Home > The Lorain National Bank > Income and Expense

The Lorain National Bank, Income and Expense

2015-06-30 (YTD Data)Rank
Total interest income$20,410,000628
Total interest expense$2,369,000589
Net interest income$18,041,000635
Provision for loan and lease losses$04,069
Total noninterest income$5,949,000616
Gross Fiduciary activities income$872,000371
Service charges on deposit accounts$1,545,000439
Trading account gains and fees$0157
Additional Noninterest Income$3,532,000646
Total noninterest expense$17,727,000603
Salaries and employee benefits$9,236,000617
Premises and equipment expense$2,265,000561
Additional noninterest expense$6,226,000550
Pre-tax net operating income$6,263,000738
Securities gains (losses)$192,000546
Applicable income taxes$1,859,000663
Income before extraordinary items$4,596,000799
Extraordinary gains, net$022
Net income$4,596,000798
Minority interest net income$075
Net income of bank and minority interests.$4,596,000799
Net charge-offs$1,487,000270
Cash dividends$2,000,000690
Sale, conversion, retirement of capital stock, net$0751
Net operating income$4,459,680795
2015-03-31 (YTD Data)Rank
Total interest income$10,149,000619
Total interest expense$1,163,000598
Net interest income$8,986,000630
Provision for loan and lease losses$03,703
Total noninterest income$2,805,000618
Gross Fiduciary activities income$422,000376
Service charges on deposit accounts$768,000432
Trading account gains and fees$0152
Additional Noninterest Income$1,615,000653
Total noninterest expense$8,993,000592
Salaries and employee benefits$4,647,000613
Premises and equipment expense$1,099,000580
Additional noninterest expense$3,247,000514
Pre-tax net operating income$2,798,000792
Securities gains (losses)$192,000380
Applicable income taxes$889,000676
Income before extraordinary items$2,101,000837
Extraordinary gains, net$013
Net income$2,101,000836
Minority interest net income$064
Net income of bank and minority interests.$2,101,000837
Net charge-offs$619,000285
Cash dividends$1,500,000470
Sale, conversion, retirement of capital stock, net$0697
Net operating income$1,966,600849
2014-12-31 (YTD Data)Rank
Total interest income$42,003,000588
Total interest expense$4,789,000595
Net interest income$37,214,000601
Provision for loan and lease losses$3,113,000317
Total noninterest income$12,999,000536
Gross Fiduciary activities income$1,685,000368
Service charges on deposit accounts$3,309,000423
Trading account gains and fees$0180
Additional Noninterest Income$8,005,000539
Total noninterest expense$35,090,000584
Salaries and employee benefits$18,800,000579
Premises and equipment expense$4,395,000563
Additional noninterest expense$11,895,000577
Pre-tax net operating income$12,010,000700
Securities gains (losses)$-5,0005,949
Applicable income taxes$3,379,000658
Income before extraordinary items$8,626,000782
Extraordinary gains, net$017
Net income$8,626,000781
Minority interest net income$084
Net income of bank and minority interests.$8,626,000781
Net charge-offs$3,202,000324
Cash dividends$5,300,000572
Sale, conversion, retirement of capital stock, net$0862
Net operating income$8,629,600768
2014-09-30 (YTD Data)Rank
Total interest income$31,355,000588
Total interest expense$3,602,000603
Net interest income$27,753,000599
Provision for loan and lease losses$2,513,000283
Total noninterest income$9,588,000539
Gross Fiduciary activities income$1,281,000362
Service charges on deposit accounts$2,469,000428
Trading account gains and fees$0174
Additional Noninterest Income$5,838,000554
Total noninterest expense$26,039,000590
Salaries and employee benefits$13,754,000592
Premises and equipment expense$3,333,000562
Additional noninterest expense$8,952,000560
Pre-tax net operating income$8,789,000721
Securities gains (losses)$-5,0006,058
Applicable income taxes$2,359,000710
Income before extraordinary items$6,425,000782
Extraordinary gains, net$015
Net income$6,425,000781
Minority interest net income$081
Net income of bank and minority interests.$6,425,000781
Net charge-offs$2,586,000302
Cash dividends$3,400,000611
Sale, conversion, retirement of capital stock, net$0819
Net operating income$6,428,650767
2014-06-30 (YTD Data)Rank
Total interest income$21,005,000587
Total interest expense$2,418,000601
Net interest income$18,587,000590
Provision for loan and lease losses$1,793,000280
Total noninterest income$6,208,000542
Gross Fiduciary activities income$856,000364
Service charges on deposit accounts$1,619,000432
Trading account gains and fees$0172
Additional Noninterest Income$3,733,000555
Total noninterest expense$17,307,000591
Salaries and employee benefits$9,105,000592
Premises and equipment expense$2,241,000557
Additional noninterest expense$5,961,000559
Pre-tax net operating income$5,695,000722
Securities gains (losses)$-5,0006,209
Applicable income taxes$1,546,000703
Income before extraordinary items$4,144,000783
Extraordinary gains, net$020
Net income$4,144,000783
Minority interest net income$080
Net income of bank and minority interests.$4,144,000784
Net charge-offs$1,868,000304
Cash dividends$2,300,000581
Sale, conversion, retirement of capital stock, net$0794
Net operating income$4,147,650759
2014-03-31 (YTD Data)Rank
Total interest income$10,393,000594
Total interest expense$1,237,000598
Net interest income$9,156,000601
Provision for loan and lease losses$900,000280
Total noninterest income$2,932,000556
Gross Fiduciary activities income$400,000372
Service charges on deposit accounts$770,000438
Trading account gains and fees$0147
Additional Noninterest Income$1,762,000560
Total noninterest expense$8,630,000598
Salaries and employee benefits$4,595,000594
Premises and equipment expense$1,112,000570
Additional noninterest expense$2,923,000574
Pre-tax net operating income$2,558,000779
Securities gains (losses)$01,715
Applicable income taxes$668,000748
Income before extraordinary items$1,890,000829
Extraordinary gains, net$016
Net income$1,890,000831
Minority interest net income$066
Net income of bank and minority interests.$1,890,000830
Net charge-offs$908,000321
Cash dividends$1,000,000600
Sale, conversion, retirement of capital stock, net$0747
Net operating income$1,890,000809
2013-12-31 (YTD Data)Rank
Total interest income$41,680,000586
Total interest expense$5,468,000591
Net interest income$36,212,000591
Provision for loan and lease losses$4,375,000304
Total noninterest income$12,037,000575
Gross Fiduciary activities income$1,555,000371
Service charges on deposit accounts$3,509,000419
Trading account gains and fees$0184
Additional Noninterest Income$6,973,000629
Total noninterest expense$34,447,000606
Salaries and employee benefits$18,058,000597
Premises and equipment expense$4,418,000558
Additional noninterest expense$11,971,000577
Pre-tax net operating income$9,427,000813
Securities gains (losses)$171,000984
Applicable income taxes$2,439,000779
Income before extraordinary items$7,159,000873
Extraordinary gains, net$029
Net income$7,159,000875
Minority interest net income$090
Net income of bank and minority interests.$7,159,000875
Net charge-offs$4,507,000370
Cash dividends$3,875,000717
Sale, conversion, retirement of capital stock, net$0924
Net operating income$7,030,750875
2013-09-30 (YTD Data)Rank
Total interest income$31,155,000591
Total interest expense$4,155,000597
Net interest income$27,000,000592
Provision for loan and lease losses$3,350,000299
Total noninterest income$8,760,000611
Gross Fiduciary activities income$1,178,000368
Service charges on deposit accounts$2,608,000420
Trading account gains and fees$0180
Additional Noninterest Income$4,974,000670
Total noninterest expense$25,586,000612
Salaries and employee benefits$13,450,000608
Premises and equipment expense$3,299,000567
Additional noninterest expense$8,837,000589
Pre-tax net operating income$6,824,000862
Securities gains (losses)$171,000891
Applicable income taxes$1,754,000832
Income before extraordinary items$5,241,000906
Extraordinary gains, net$025
Net income$5,241,000908
Minority interest net income$084
Net income of bank and minority interests.$5,241,000908
Net charge-offs$3,196,000405
Cash dividends$1,375,0001,162
Sale, conversion, retirement of capital stock, net$0868
Net operating income$5,112,750895
2013-06-30 (YTD Data)Rank
Total interest income$20,850,000587
Total interest expense$2,797,000599
Net interest income$18,053,000586
Provision for loan and lease losses$2,400,000308
Total noninterest income$6,273,000591
Gross Fiduciary activities income$815,000361
Service charges on deposit accounts$1,685,000425
Trading account gains and fees$0157
Additional Noninterest Income$3,773,000609
Total noninterest expense$17,369,000603
Salaries and employee benefits$9,252,000585
Premises and equipment expense$3,129,000409
Additional noninterest expense$4,988,000690
Pre-tax net operating income$4,557,000842
Securities gains (losses)$171,000813
Applicable income taxes$1,189,000812
Income before extraordinary items$3,539,000879
Extraordinary gains, net$022
Net income$3,539,000879
Minority interest net income$082
Net income of bank and minority interests.$3,539,000881
Net charge-offs$2,222,000409
Cash dividends$925,0001,160
Sale, conversion, retirement of capital stock, net$0838
Net operating income$3,410,750870
2013-03-31 (YTD Data)Rank
Total interest income$10,274,000599
Total interest expense$1,405,000627
Net interest income$8,869,000599
Provision for loan and lease losses$1,350,000296
Total noninterest income$3,317,000565
Gross Fiduciary activities income$375,000376
Service charges on deposit accounts$816,000432
Trading account gains and fees$0148
Additional Noninterest Income$2,126,000557
Total noninterest expense$9,190,000576
Salaries and employee benefits$5,028,000549
Premises and equipment expense$1,489,000431
Additional noninterest expense$2,673,000640
Pre-tax net operating income$1,646,0001,115
Securities gains (losses)$178,000505
Applicable income taxes$419,0001,053
Income before extraordinary items$1,405,0001,085
Extraordinary gains, net$010
Net income$1,405,0001,087
Minority interest net income$076
Net income of bank and minority interests.$1,405,0001,087
Net charge-offs$1,181,000410
Cash dividends$500,000922
Sale, conversion, retirement of capital stock, net$0789
Net operating income$1,267,9401,126
2012-12-31 (YTD Data)Rank
Total interest income$45,949,000573
Total interest expense$6,810,000625
Net interest income$39,139,000559
Provision for loan and lease losses$7,242,000368
Total noninterest income$11,637,000607
Gross Fiduciary activities income$1,563,000356
Service charges on deposit accounts$3,810,000388
Trading account gains and fees$0166
Additional Noninterest Income$6,264,000690
Total noninterest expense$34,252,000609
Salaries and employee benefits$16,768,000627
Premises and equipment expense$6,266,000397
Additional noninterest expense$11,218,000633
Pre-tax net operating income$9,282,000776
Securities gains (losses)$189,0001,755
Applicable income taxes$2,420,000742
Income before extraordinary items$7,051,000833
Extraordinary gains, net$029
Net income$7,051,000831
Minority interest net income$093
Net income of bank and minority interests.$7,051,000832
Net charge-offs$6,668,000458
Cash dividends$7,650,000386
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$6,911,140806
2012-09-30 (YTD Data)Rank
Total interest income$35,030,000567
Total interest expense$5,252,000640
Net interest income$29,778,000555
Provision for loan and lease losses$5,442,000382
Total noninterest income$8,386,000625
Gross Fiduciary activities income$1,190,000353
Service charges on deposit accounts$2,857,000394
Trading account gains and fees$0157
Additional Noninterest Income$4,339,000717
Total noninterest expense$25,695,000607
Salaries and employee benefits$12,234,000637
Premises and equipment expense$4,683,000400
Additional noninterest expense$8,778,000611
Pre-tax net operating income$7,027,000798
Securities gains (losses)$46,0002,486
Applicable income taxes$1,819,000772
Income before extraordinary items$5,254,000866
Extraordinary gains, net$020
Net income$5,254,000865
Minority interest net income$086
Net income of bank and minority interests.$5,254,000866
Net charge-offs$4,918,000467
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$0952
Net operating income$5,219,960809
2012-06-30 (YTD Data)Rank
Total interest income$23,521,000574
Total interest expense$3,586,000647
Net interest income$19,935,000555
Provision for loan and lease losses$3,567,000395
Total noninterest income$5,450,000637
Gross Fiduciary activities income$815,000350
Service charges on deposit accounts$1,864,000405
Trading account gains and fees$0153
Additional Noninterest Income$2,771,000736
Total noninterest expense$17,179,000602
Salaries and employee benefits$8,005,000645
Premises and equipment expense$3,042,000416
Additional noninterest expense$6,132,000591
Pre-tax net operating income$4,639,000793
Securities gains (losses)$03,178
Applicable income taxes$1,174,000778
Income before extraordinary items$3,465,000873
Extraordinary gains, net$019
Net income$3,465,000872
Minority interest net income$084
Net income of bank and minority interests.$3,465,000873
Net charge-offs$3,330,000481
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$0928
Net operating income$3,465,000810
2012-03-31 (YTD Data)Rank
Total interest income$11,678,000577
Total interest expense$1,848,000646
Net interest income$9,830,000567
Provision for loan and lease losses$1,900,000371
Total noninterest income$2,891,000604
Gross Fiduciary activities income$390,000349
Service charges on deposit accounts$934,000401
Trading account gains and fees$0148
Additional Noninterest Income$1,567,000659
Total noninterest expense$8,383,000608
Salaries and employee benefits$4,109,000629
Premises and equipment expense$1,116,000546
Additional noninterest expense$3,158,000561
Pre-tax net operating income$2,438,000756
Securities gains (losses)$02,210
Applicable income taxes$688,000671
Income before extraordinary items$1,750,000857
Extraordinary gains, net$019
Net income$1,750,000857
Minority interest net income$078
Net income of bank and minority interests.$1,750,000858
Net charge-offs$1,848,000419
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$1,750,000801
2011-12-31 (YTD Data)Rank
Total interest income$49,349,000561
Total interest expense$9,582,000600
Net interest income$39,767,000551
Provision for loan and lease losses$10,353,000405
Total noninterest income$10,623,000579
Gross Fiduciary activities income$1,610,000309
Service charges on deposit accounts$4,079,000378
Trading account gains and fees$0146
Additional Noninterest Income$4,934,000708
Total noninterest expense$33,848,000590
Salaries and employee benefits$15,946,000610
Premises and equipment expense$4,472,000566
Additional noninterest expense$13,430,000546
Pre-tax net operating income$6,189,000965
Securities gains (losses)$832,000523
Applicable income taxes$1,459,0001,020
Income before extraordinary items$5,562,000900
Extraordinary gains, net$029
Net income$5,562,000898
Minority interest net income$096
Net income of bank and minority interests.$5,562,000900
Net charge-offs$9,426,000489
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$4,904,720982
2011-09-30 (YTD Data)Rank
Total interest income$37,340,000559
Total interest expense$7,450,000600
Net interest income$29,890,000551
Provision for loan and lease losses$7,545,000409
Total noninterest income$7,931,000594
Gross Fiduciary activities income$1,255,000299
Service charges on deposit accounts$3,014,000386
Trading account gains and fees$0145
Additional Noninterest Income$3,662,000722
Total noninterest expense$25,819,000582
Salaries and employee benefits$12,159,000590
Premises and equipment expense$3,354,000574
Additional noninterest expense$10,306,000532
Pre-tax net operating income$4,457,0001,041
Securities gains (losses)$508,000640
Applicable income taxes$1,042,0001,054
Income before extraordinary items$3,923,000989
Extraordinary gains, net$021
Net income$3,923,000986
Minority interest net income$087
Net income of bank and minority interests.$3,923,000989
Net charge-offs$5,836,000556
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$3,521,6801,035
2011-06-30 (YTD Data)Rank
Total interest income$24,807,000565
Total interest expense$5,110,000606
Net interest income$19,697,000560
Provision for loan and lease losses$5,445,000398
Total noninterest income$5,370,000592
Gross Fiduciary activities income$875,000288
Service charges on deposit accounts$1,916,000405
Trading account gains and fees$0153
Additional Noninterest Income$2,579,000697
Total noninterest expense$17,536,000579
Salaries and employee benefits$8,173,000590
Premises and equipment expense$2,678,000487
Additional noninterest expense$6,685,000546
Pre-tax net operating income$2,086,0001,399
Securities gains (losses)$500,000364
Applicable income taxes$471,0001,376
Income before extraordinary items$2,115,0001,175
Extraordinary gains, net$015
Net income$2,115,0001,175
Minority interest net income$089
Net income of bank and minority interests.$2,115,0001,175
Net charge-offs$4,230,000535
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$1,705,0001,385
2011-03-31 (YTD Data)Rank
Total interest income$12,333,000578
Total interest expense$2,612,000615
Net interest income$9,721,000564
Provision for loan and lease losses$2,100,000492
Total noninterest income$2,657,000590
Gross Fiduciary activities income$405,000305
Service charges on deposit accounts$916,000416
Trading account gains and fees$0158
Additional Noninterest Income$1,336,000678
Total noninterest expense$9,121,000554
Salaries and employee benefits$4,092,000599
Premises and equipment expense$1,291,000504
Additional noninterest expense$3,738,000505
Pre-tax net operating income$1,157,0001,252
Securities gains (losses)$412,000190
Applicable income taxes$326,0001,040
Income before extraordinary items$1,243,000975
Extraordinary gains, net$09
Net income$1,243,000975
Minority interest net income$086
Net income of bank and minority interests.$1,243,000975
Net charge-offs$920,000905
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$917,5201,294
2010-12-31 (YTD Data)Rank
Total interest income$51,754,000571
Total interest expense$12,253,000644
Net interest income$39,501,000552
Provision for loan and lease losses$10,225,000647
Total noninterest income$11,261,000579
Gross Fiduciary activities income$1,740,000289
Service charges on deposit accounts$4,247,000366
Trading account gains and fees$-100,0007,618
Additional Noninterest Income$5,374,000706
Total noninterest expense$35,496,000581
Salaries and employee benefits$15,960,000599
Premises and equipment expense$5,905,000442
Additional noninterest expense$13,631,000562
Pre-tax net operating income$5,041,0001,028
Securities gains (losses)$5,0003,469
Applicable income taxes$706,0001,551
Income before extraordinary items$4,340,000998
Extraordinary gains, net$029
Net income$4,340,0001,000
Minority interest net income$0111
Net income of bank and minority interests.$4,340,0001,001
Net charge-offs$12,881,000493
Cash dividends$1,000,0001,460
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$4,335,700963
2010-09-30 (YTD Data)Rank
Total interest income$39,069,000570
Total interest expense$9,434,000657
Net interest income$29,635,000543
Provision for loan and lease losses$6,294,000732
Total noninterest income$8,300,000570
Gross Fiduciary activities income$1,320,000281
Service charges on deposit accounts$3,179,000366
Trading account gains and fees$-100,0007,718
Additional Noninterest Income$3,901,000680
Total noninterest expense$26,342,000569
Salaries and employee benefits$11,799,000599
Premises and equipment expense$4,490,000435
Additional noninterest expense$10,053,000546
Pre-tax net operating income$5,299,000794
Securities gains (losses)$-206,0007,488
Applicable income taxes$892,0001,094
Income before extraordinary items$4,201,000822
Extraordinary gains, net$023
Net income$4,201,000822
Minority interest net income$0110
Net income of bank and minority interests.$4,201,000823
Net charge-offs$7,889,000559
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$4,369,920745
2010-06-30 (YTD Data)Rank
Total interest income$26,265,000571
Total interest expense$6,494,000659
Net interest income$19,771,000540
Provision for loan and lease losses$4,218,000735
Total noninterest income$5,546,000567
Gross Fiduciary activities income$910,000277
Service charges on deposit accounts$2,032,000381
Trading account gains and fees$-100,0007,790
Additional Noninterest Income$2,704,000637
Total noninterest expense$17,679,000573
Salaries and employee benefits$7,877,000601
Premises and equipment expense$1,870,000702
Additional noninterest expense$7,932,000470
Pre-tax net operating income$3,420,000807
Securities gains (losses)$138,0001,194
Applicable income taxes$720,000919
Income before extraordinary items$2,838,000786
Extraordinary gains, net$019
Net income$2,838,000784
Minority interest net income$0105
Net income of bank and minority interests.$2,838,000786
Net charge-offs$3,575,000718
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$2,727,600783
2010-03-31 (YTD Data)Rank
Total interest income$13,291,000580
Total interest expense$3,364,000674
Net interest income$9,927,000550
Provision for loan and lease losses$2,109,000722
Total noninterest income$2,632,000581
Gross Fiduciary activities income$420,000289
Service charges on deposit accounts$939,000406
Trading account gains and fees$0175
Additional Noninterest Income$1,273,000662
Total noninterest expense$8,676,000582
Salaries and employee benefits$3,942,000612
Premises and equipment expense$1,548,000438
Additional noninterest expense$3,186,000574
Pre-tax net operating income$1,774,000763
Securities gains (losses)$38,0001,256
Applicable income taxes$361,000902
Income before extraordinary items$1,451,000762
Extraordinary gains, net$016
Net income$1,451,000764
Minority interest net income$091
Net income of bank and minority interests.$1,451,000766
Net charge-offs$1,718,000727
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$1,420,600751
2009-12-31 (YTD Data)Rank
Total interest income$57,641,000564
Total interest expense$19,347,000590
Net interest income$38,294,000566
Provision for loan and lease losses$19,017,000514
Total noninterest income$11,301,000590
Gross Fiduciary activities income$1,739,000274
Service charges on deposit accounts$4,477,000379
Trading account gains and fees$0211
Additional Noninterest Income$5,085,000704
Total noninterest expense$35,302,000601
Salaries and employee benefits$15,204,000629
Premises and equipment expense$6,700,000401
Additional noninterest expense$13,398,000606
Pre-tax net operating income$-4,724,0007,159
Securities gains (losses)$690,000686
Applicable income taxes$-2,447,0007,573
Income before extraordinary items$-1,587,0006,605
Extraordinary gains, net$034
Net income$-1,587,0006,605
Minority interest net income$0115
Net income of bank and minority interests.$-1,587,0006,605
Net charge-offs$11,877,000595
Cash dividends$2,190,000833
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$-2,028,6006,764
2009-09-30 (YTD Data)Rank
Total interest income$43,399,000579
Total interest expense$15,344,000591
Net interest income$28,055,000587
Provision for loan and lease losses$15,360,000459
Total noninterest income$8,562,000594
Gross Fiduciary activities income$1,308,000271
Service charges on deposit accounts$3,331,000380
Trading account gains and fees$0212
Additional Noninterest Income$3,923,000698
Total noninterest expense$26,544,000599
Salaries and employee benefits$11,168,000660
Premises and equipment expense$5,157,000402
Additional noninterest expense$10,219,000577
Pre-tax net operating income$-5,287,0007,525
Securities gains (losses)$675,000547
Applicable income taxes$-2,389,0007,764
Income before extraordinary items$-2,223,0007,236
Extraordinary gains, net$027
Net income$-2,223,0007,234
Minority interest net income$0118
Net income of bank and minority interests.$-2,223,0007,235
Net charge-offs$4,456,000892
Cash dividends$2,190,000586
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-2,655,0007,304
2009-06-30 (YTD Data)Rank
Total interest income$28,879,000596
Total interest expense$10,532,000606
Net interest income$18,347,000602
Provision for loan and lease losses$4,293,000845
Total noninterest income$5,513,000613
Gross Fiduciary activities income$850,000277
Service charges on deposit accounts$2,120,000389
Trading account gains and fees$0193
Additional Noninterest Income$2,543,000725
Total noninterest expense$17,812,000605
Salaries and employee benefits$7,534,000661
Premises and equipment expense$3,547,000394
Additional noninterest expense$6,731,000592
Pre-tax net operating income$1,755,0001,310
Securities gains (losses)$586,000440
Applicable income taxes$286,0001,587
Income before extraordinary items$2,055,000920
Extraordinary gains, net$021
Net income$2,055,000920
Minority interest net income$0112
Net income of bank and minority interests.$2,055,000920
Net charge-offs$2,967,000867
Cash dividends$972,000952
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$1,539,3201,193
2009-03-31 (YTD Data)Rank
Total interest income$14,528,000595
Total interest expense$5,459,000608
Net interest income$9,069,000601
Provision for loan and lease losses$1,809,000802
Total noninterest income$2,544,000621
Gross Fiduciary activities income$375,000299
Service charges on deposit accounts$1,026,000394
Trading account gains and fees$0171
Additional Noninterest Income$1,143,000761
Total noninterest expense$8,348,000613
Salaries and employee benefits$3,754,000669
Premises and equipment expense$1,786,000397
Additional noninterest expense$2,808,000614
Pre-tax net operating income$1,456,000877
Securities gains (losses)$338,000460
Applicable income taxes$340,000952
Income before extraordinary items$1,454,000713
Extraordinary gains, net$015
Net income$1,454,000712
Minority interest net income$0102
Net income of bank and minority interests.$1,454,000715
Net charge-offs$1,886,000623
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,180,220838
2008-12-31 (YTD Data)Rank
Total interest income$58,318,000638
Total interest expense$25,398,000624
Net interest income$32,920,000659
Provision for loan and lease losses$6,809,000799
Total noninterest income$11,979,000514
Gross Fiduciary activities income$1,838,000279
Service charges on deposit accounts$4,759,000364
Trading account gains and fees$0154
Additional Noninterest Income$5,382,000615
Total noninterest expense$34,127,000580
Salaries and employee benefits$15,396,000635
Premises and equipment expense$6,340,000430
Additional noninterest expense$12,391,000561
Pre-tax net operating income$3,963,0001,377
Securities gains (losses)$539,000351
Applicable income taxes$445,0001,968
Income before extraordinary items$4,057,0001,030
Extraordinary gains, net$039
Net income$4,057,0001,029
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,977,0001,003
Cash dividends$3,900,000720
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$3,571,9001,241
2008-09-30 (YTD Data)Rank
Total interest income$43,933,000659
Total interest expense$19,455,000644
Net interest income$24,478,000689
Provision for loan and lease losses$5,609,000603
Total noninterest income$9,174,000534
Gross Fiduciary activities income$1,496,000271
Service charges on deposit accounts$3,558,000376
Trading account gains and fees$0148
Additional Noninterest Income$4,120,000640
Total noninterest expense$25,689,000572
Salaries and employee benefits$11,571,000648
Premises and equipment expense$4,900,000429
Additional noninterest expense$9,218,000531
Pre-tax net operating income$2,354,0002,032
Securities gains (losses)$507,000317
Applicable income taxes$-72,0007,493
Income before extraordinary items$2,933,0001,266
Extraordinary gains, net$031
Net income$2,933,0001,265
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,074,000807
Cash dividends$3,400,000644
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$2,426,0001,586
2008-06-30 (YTD Data)Rank
Total interest income$29,548,000657
Total interest expense$13,487,000644
Net interest income$16,061,000693
Provision for loan and lease losses$5,138,000421
Total noninterest income$6,210,000549
Gross Fiduciary activities income$1,056,000269
Service charges on deposit accounts$2,300,000376
Trading account gains and fees$0149
Additional Noninterest Income$2,854,000637
Total noninterest expense$17,220,000570
Salaries and employee benefits$7,708,000647
Premises and equipment expense$3,294,000428
Additional noninterest expense$6,218,000513
Pre-tax net operating income$-87,0007,165
Securities gains (losses)$284,000472
Applicable income taxes$-667,0008,214
Income before extraordinary items$864,0002,891
Extraordinary gains, net$021
Net income$864,0002,891
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,084,000818
Cash dividends$2,000,000774
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$580,0003,652
2008-03-31 (YTD Data)Rank
Total interest income$15,109,000662
Total interest expense$7,360,000636
Net interest income$7,749,000709
Provision for loan and lease losses$474,0001,033
Total noninterest income$3,117,000552
Gross Fiduciary activities income$525,000269
Service charges on deposit accounts$1,111,000384
Trading account gains and fees$0158
Additional Noninterest Income$1,481,000621
Total noninterest expense$8,462,000573
Salaries and employee benefits$3,813,000660
Premises and equipment expense$1,654,000428
Additional noninterest expense$2,995,000506
Pre-tax net operating income$1,930,000972
Securities gains (losses)$215,000421
Applicable income taxes$411,0001,175
Income before extraordinary items$1,734,000863
Extraordinary gains, net$015
Net income$1,734,000865
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$294,000993
Cash dividends$1,500,000524
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$1,559,850926
2007-12-31 (YTD Data)Rank
Total interest income$58,751,000710
Total interest expense$28,545,000686
Net interest income$30,206,000734
Provision for loan and lease losses$2,255,000762
Total noninterest income$11,365,000560
Gross Fiduciary activities income$2,131,000265
Service charges on deposit accounts$4,725,000374
Trading account gains and fees$0178
Additional Noninterest Income$4,509,000752
Total noninterest expense$31,638,000592
Salaries and employee benefits$15,840,000607
Premises and equipment expense$5,771,000462
Additional noninterest expense$10,027,000582
Pre-tax net operating income$7,678,0001,098
Securities gains (losses)$274,000378
Applicable income taxes$1,645,0001,317
Income before extraordinary items$6,307,0001,037
Extraordinary gains, net$039
Net income$6,307,0001,035
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,907,000470
Cash dividends$5,096,000726
Sale, conversion, retirement of capital stock, net$-2,367,0008,514
Net operating income$6,090,5401,051
2007-09-30 (YTD Data)Rank
Total interest income$42,897,000720
Total interest expense$20,742,000709
Net interest income$22,155,000749
Provision for loan and lease losses$1,677,000603
Total noninterest income$8,276,000574
Gross Fiduciary activities income$1,561,000267
Service charges on deposit accounts$3,457,000373
Trading account gains and fees$0184
Additional Noninterest Income$3,258,000781
Total noninterest expense$23,632,000581
Salaries and employee benefits$11,966,000604
Premises and equipment expense$4,250,000471
Additional noninterest expense$7,416,000569
Pre-tax net operating income$5,122,0001,337
Securities gains (losses)$261,000333
Applicable income taxes$1,052,0001,582
Income before extraordinary items$4,331,0001,192
Extraordinary gains, net$033
Net income$4,331,0001,189
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,183,000378
Cash dividends$3,783,000718
Sale, conversion, retirement of capital stock, net$-2,367,0008,544
Net operating income$4,122,2001,238
2007-06-30 (YTD Data)Rank
Total interest income$27,029,000774
Total interest expense$12,935,000758
Net interest income$14,094,000802
Provision for loan and lease losses$1,236,000496
Total noninterest income$5,236,000619
Gross Fiduciary activities income$1,050,000268
Service charges on deposit accounts$2,216,000393
Trading account gains and fees$0168
Additional Noninterest Income$1,970,000866
Total noninterest expense$15,315,000618
Salaries and employee benefits$7,877,000626
Premises and equipment expense$2,704,000500
Additional noninterest expense$4,734,000601
Pre-tax net operating income$2,779,0001,661
Securities gains (losses)$259,000270
Applicable income taxes$669,0001,719
Income before extraordinary items$2,369,0001,485
Extraordinary gains, net$029
Net income$2,369,0001,483
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,578,000326
Cash dividends$2,478,000748
Sale, conversion, retirement of capital stock, net$-2,367,0008,604
Net operating income$2,166,9801,592
2007-03-31 (YTD Data)Rank
Total interest income$12,870,000802
Total interest expense$6,092,000794
Net interest income$6,778,000826
Provision for loan and lease losses$383,000649
Total noninterest income$3,025,000548
Gross Fiduciary activities income$525,000271
Service charges on deposit accounts$1,082,000390
Trading account gains and fees$473,00075
Additional Noninterest Income$945,000883
Total noninterest expense$7,361,000644
Salaries and employee benefits$3,857,000649
Premises and equipment expense$1,262,000538
Additional noninterest expense$2,242,000616
Pre-tax net operating income$2,059,0001,139
Securities gains (losses)$01,187
Applicable income taxes$536,0001,224
Income before extraordinary items$1,523,0001,159
Extraordinary gains, net$022
Net income$1,523,0001,158
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$425,000460
Cash dividends$1,160,000719
Sale, conversion, retirement of capital stock, net$0885
Net operating income$1,523,0001,138
2006-12-31 (YTD Data)Rank
Total interest income$49,203,000782
Total interest expense$20,907,000803
Net interest income$28,296,000783
Provision for loan and lease losses$2,280,000497
Total noninterest income$9,919,000617
Gross Fiduciary activities income$2,196,000259
Service charges on deposit accounts$4,533,000375
Trading account gains and fees$0130
Additional Noninterest Income$3,190,000954
Total noninterest expense$28,958,000614
Salaries and employee benefits$15,046,000624
Premises and equipment expense$4,888,000521
Additional noninterest expense$9,024,000611
Pre-tax net operating income$6,977,0001,414
Securities gains (losses)$-1,0006,756
Applicable income taxes$1,633,0001,545
Income before extraordinary items$5,343,0001,368
Extraordinary gains, net$051
Net income$5,343,0001,368
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,602,000469
Cash dividends$5,300,000665
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$5,343,7701,359
2006-09-30 (YTD Data)Rank
Total interest income$36,461,000784
Total interest expense$14,976,000824
Net interest income$21,485,000792
Provision for loan and lease losses$915,000823
Total noninterest income$7,076,000659
Gross Fiduciary activities income$1,654,000259
Service charges on deposit accounts$3,334,000388
Trading account gains and fees$0126
Additional Noninterest Income$2,088,0001,058
Total noninterest expense$21,646,000633
Salaries and employee benefits$11,103,000647
Premises and equipment expense$3,641,000534
Additional noninterest expense$6,902,000611
Pre-tax net operating income$6,000,0001,272
Securities gains (losses)$01,388
Applicable income taxes$1,552,0001,361
Income before extraordinary items$4,448,0001,273
Extraordinary gains, net$045
Net income$4,448,0001,273
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,233,000391
Cash dividends$4,200,000605
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$4,448,0001,261
2006-06-30 (YTD Data)Rank
Total interest income$23,639,000785
Total interest expense$9,393,000828
Net interest income$14,246,000795
Provision for loan and lease losses$315,0001,403
Total noninterest income$4,570,000675
Gross Fiduciary activities income$1,133,000261
Service charges on deposit accounts$2,110,000406
Trading account gains and fees$0126
Additional Noninterest Income$1,327,0001,102
Total noninterest expense$14,365,000644
Salaries and employee benefits$7,294,000665
Premises and equipment expense$2,419,000534
Additional noninterest expense$4,652,000611
Pre-tax net operating income$4,136,0001,217
Securities gains (losses)$01,185
Applicable income taxes$1,087,0001,308
Income before extraordinary items$3,049,0001,227
Extraordinary gains, net$039
Net income$3,049,0001,228
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$369,000717
Cash dividends$3,200,000542
Sale, conversion, retirement of capital stock, net$0887
Net operating income$3,049,0001,214
2006-03-31 (YTD Data)Rank
Total interest income$11,608,000788
Total interest expense$4,472,000830
Net interest income$7,136,000788
Provision for loan and lease losses$150,0001,421
Total noninterest income$2,155,000691
Gross Fiduciary activities income$548,000261
Service charges on deposit accounts$968,000427
Trading account gains and fees$0115
Additional Noninterest Income$639,0001,126
Total noninterest expense$7,213,000636
Salaries and employee benefits$3,617,000669
Premises and equipment expense$1,215,000524
Additional noninterest expense$2,381,000581
Pre-tax net operating income$1,928,0001,288
Securities gains (losses)$0955
Applicable income taxes$512,0001,373
Income before extraordinary items$1,416,0001,290
Extraordinary gains, net$021
Net income$1,416,0001,289
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$204,000608
Cash dividends$2,000,000412
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,416,0001,272
2005-12-31 (YTD Data)Rank
Total interest income$43,353,000739
Total interest expense$13,675,000826
Net interest income$29,678,000712
Provision for loan and lease losses$1,248,000847
Total noninterest income$10,276,000613
Gross Fiduciary activities income$2,075,000264
Service charges on deposit accounts$4,219,000400
Trading account gains and fees$0138
Additional Noninterest Income$3,982,000805
Total noninterest expense$30,058,000592
Salaries and employee benefits$15,095,000601
Premises and equipment expense$4,831,000507
Additional noninterest expense$10,132,000553
Pre-tax net operating income$8,648,0001,120
Securities gains (losses)$100,000702
Applicable income taxes$2,425,0001,165
Income before extraordinary items$6,323,0001,150
Extraordinary gains, net$046
Net income$6,323,0001,150
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,012,000393
Cash dividends$3,575,000901
Sale, conversion, retirement of capital stock, net$0934
Net operating income$6,251,0001,136
2005-09-30 (YTD Data)Rank
Total interest income$31,653,000734
Total interest expense$9,546,000833
Net interest income$22,107,000703
Provision for loan and lease losses$1,098,000701
Total noninterest income$8,018,000599
Gross Fiduciary activities income$1,736,000238
Service charges on deposit accounts$3,112,000408
Trading account gains and fees$0126
Additional Noninterest Income$3,170,000771
Total noninterest expense$22,698,000587
Salaries and employee benefits$11,664,000585
Premises and equipment expense$3,649,000501
Additional noninterest expense$7,385,000560
Pre-tax net operating income$6,329,0001,127
Securities gains (losses)$101,000658
Applicable income taxes$1,914,0001,113
Income before extraordinary items$4,516,0001,197
Extraordinary gains, net$035
Net income$4,516,0001,197
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$594,000727
Cash dividends$3,575,000627
Sale, conversion, retirement of capital stock, net$0769
Net operating income$4,445,3001,193
2005-06-30 (YTD Data)Rank
Total interest income$20,549,000738
Total interest expense$5,851,000853
Net interest income$14,698,000700
Provision for loan and lease losses$798,000638
Total noninterest income$5,421,000587
Gross Fiduciary activities income$1,142,000241
Service charges on deposit accounts$1,960,000423
Trading account gains and fees$0116
Additional Noninterest Income$2,319,000725
Total noninterest expense$15,944,000562
Salaries and employee benefits$8,212,000554
Premises and equipment expense$2,501,000481
Additional noninterest expense$5,231,000534
Pre-tax net operating income$3,377,0001,389
Securities gains (losses)$101,000559
Applicable income taxes$1,078,0001,285
Income before extraordinary items$2,400,0001,450
Extraordinary gains, net$030
Net income$2,400,0001,449
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$391,000729
Cash dividends$2,392,000622
Sale, conversion, retirement of capital stock, net$0643
Net operating income$2,330,3101,459
2005-03-31 (YTD Data)Rank
Total interest income$10,033,000747
Total interest expense$2,787,000850
Net interest income$7,246,000699
Provision for loan and lease losses$399,000601
Total noninterest income$2,767,000560
Gross Fiduciary activities income$548,000253
Service charges on deposit accounts$908,000440
Trading account gains and fees$0115
Additional Noninterest Income$1,311,000650
Total noninterest expense$7,653,000572
Salaries and employee benefits$4,017,000560
Premises and equipment expense$1,250,000477
Additional noninterest expense$2,386,000569
Pre-tax net operating income$1,961,0001,170
Securities gains (losses)$82,000415
Applicable income taxes$573,0001,193
Income before extraordinary items$1,470,0001,180
Extraordinary gains, net$024
Net income$1,470,0001,180
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$240,000607
Cash dividends$1,195,000572
Sale, conversion, retirement of capital stock, net$0491
Net operating income$1,410,9601,203
2004-12-31 (YTD Data)Rank
Total interest income$37,280,000750
Total interest expense$9,376,000858
Net interest income$27,904,000699
Provision for loan and lease losses$1,748,000622
Total noninterest income$11,231,000557
Gross Fiduciary activities income$2,200,000246
Service charges on deposit accounts$4,168,000419
Trading account gains and fees$0138
Additional Noninterest Income$4,863,000685
Total noninterest expense$26,056,000636
Salaries and employee benefits$13,125,000649
Premises and equipment expense$4,416,000525
Additional noninterest expense$8,515,000628
Pre-tax net operating income$11,331,000777
Securities gains (losses)$-777,0008,891
Applicable income taxes$3,043,000897
Income before extraordinary items$7,511,000874
Extraordinary gains, net$034
Net income$7,511,000875
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,092,000448
Cash dividends$4,777,000654
Sale, conversion, retirement of capital stock, net$0872
Net operating income$8,062,670793
2004-09-30 (YTD Data)Rank
Total interest income$27,478,000756
Total interest expense$6,806,000865
Net interest income$20,672,000701
Provision for loan and lease losses$1,349,000590
Total noninterest income$8,120,000579
Gross Fiduciary activities income$1,675,000242
Service charges on deposit accounts$3,146,000429
Trading account gains and fees$0134
Additional Noninterest Income$3,299,000745
Total noninterest expense$18,838,000651
Salaries and employee benefits$9,264,000683
Premises and equipment expense$3,236,000534
Additional noninterest expense$6,338,000626
Pre-tax net operating income$8,605,000776
Securities gains (losses)$381,000501
Applicable income taxes$2,663,000801
Income before extraordinary items$6,323,000793
Extraordinary gains, net$026
Net income$6,323,000794
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,728,000388
Cash dividends$3,582,000608
Sale, conversion, retirement of capital stock, net$0738
Net operating income$6,056,300796
2004-06-30 (YTD Data)Rank
Total interest income$18,016,000762
Total interest expense$4,428,000880
Net interest income$13,588,000707
Provision for loan and lease losses$950,000539
Total noninterest income$5,265,000595
Gross Fiduciary activities income$1,150,000239
Service charges on deposit accounts$2,003,000438
Trading account gains and fees$0130
Additional Noninterest Income$2,112,000765
Total noninterest expense$12,153,000671
Salaries and employee benefits$6,015,000705
Premises and equipment expense$2,112,000540
Additional noninterest expense$4,026,000650
Pre-tax net operating income$5,750,000763
Securities gains (losses)$223,000606
Applicable income taxes$1,753,000804
Income before extraordinary items$4,220,000779
Extraordinary gains, net$021
Net income$4,220,000779
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$691,000562
Cash dividends$2,387,000612
Sale, conversion, retirement of capital stock, net$0638
Net operating income$4,061,670777
2004-03-31 (YTD Data)Rank
Total interest income$8,966,000782
Total interest expense$2,174,000919
Net interest income$6,792,000713
Provision for loan and lease losses$525,000495
Total noninterest income$2,645,000585
Gross Fiduciary activities income$625,000231
Service charges on deposit accounts$984,000439
Trading account gains and fees$0121
Additional Noninterest Income$1,036,000767
Total noninterest expense$5,928,000687
Salaries and employee benefits$3,077,000697
Premises and equipment expense$1,044,000556
Additional noninterest expense$1,807,000699
Pre-tax net operating income$2,984,000744
Securities gains (losses)$223,000462
Applicable income taxes$963,000757
Income before extraordinary items$2,244,000743
Extraordinary gains, net$016
Net income$2,244,000743
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$436,000466
Cash dividends$1,192,000583
Sale, conversion, retirement of capital stock, net$0464
Net operating income$2,087,900749
2003-12-31 (YTD Data)Rank
Total interest income$37,905,000752
Total interest expense$9,470,000948
Net interest income$28,435,000666
Provision for loan and lease losses$2,695,000528
Total noninterest income$11,068,000604
Gross Fiduciary activities income$1,909,000267
Service charges on deposit accounts$4,260,000401
Trading account gains and fees$0160
Additional Noninterest Income$4,899,000779
Total noninterest expense$26,051,000643
Salaries and employee benefits$14,028,000612
Premises and equipment expense$3,946,000578
Additional noninterest expense$8,077,000668
Pre-tax net operating income$10,757,000803
Securities gains (losses)$449,000813
Applicable income taxes$3,438,000830
Income before extraordinary items$7,768,000834
Extraordinary gains, net$054
Net income$7,768,000836
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,618,000644
Cash dividends$4,626,000695
Sale, conversion, retirement of capital stock, net$0868
Net operating income$7,458,190811
2003-09-30 (YTD Data)Rank
Total interest income$28,680,000761
Total interest expense$7,268,000960
Net interest income$21,412,000669
Provision for loan and lease losses$2,125,000510
Total noninterest income$7,966,000649
Gross Fiduciary activities income$1,412,000282
Service charges on deposit accounts$3,208,000410
Trading account gains and fees$0153
Additional Noninterest Income$3,346,000855
Total noninterest expense$17,715,000708
Salaries and employee benefits$9,018,000723
Premises and equipment expense$2,869,000604
Additional noninterest expense$5,828,000686
Pre-tax net operating income$9,538,000712
Securities gains (losses)$449,000740
Applicable income taxes$3,138,000739
Income before extraordinary items$6,849,000747
Extraordinary gains, net$040
Net income$6,849,000748
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,136,000632
Cash dividends$3,387,000668
Sale, conversion, retirement of capital stock, net$0722
Net operating income$6,539,190729
2003-06-30 (YTD Data)Rank
Total interest income$19,291,000758
Total interest expense$5,014,000959
Net interest income$14,277,000671
Provision for loan and lease losses$1,134,000592
Total noninterest income$4,686,000703
Gross Fiduciary activities income$922,000289
Service charges on deposit accounts$2,055,000422
Trading account gains and fees$0150
Additional Noninterest Income$1,709,0001,020
Total noninterest expense$11,556,000716
Salaries and employee benefits$5,783,000750
Premises and equipment expense$1,885,000616
Additional noninterest expense$3,888,000692
Pre-tax net operating income$6,273,000722
Securities gains (losses)$450,000620
Applicable income taxes$2,116,000741
Income before extraordinary items$4,607,000750
Extraordinary gains, net$030
Net income$4,607,000751
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$682,000681
Cash dividends$2,243,000670
Sale, conversion, retirement of capital stock, net$0589
Net operating income$4,296,500724
2003-03-31 (YTD Data)Rank
Total interest income$9,674,000761
Total interest expense$2,583,000959
Net interest income$7,091,000674
Provision for loan and lease losses$564,000576
Total noninterest income$2,296,000710
Gross Fiduciary activities income$495,000282
Service charges on deposit accounts$994,000418
Trading account gains and fees$0134
Additional Noninterest Income$807,0001,041
Total noninterest expense$5,855,000705
Salaries and employee benefits$3,020,000718
Premises and equipment expense$931,000627
Additional noninterest expense$1,904,000679
Pre-tax net operating income$2,968,000760
Securities gains (losses)$203,000651
Applicable income taxes$960,000828
Income before extraordinary items$2,211,000766
Extraordinary gains, net$021
Net income$2,211,000765
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$514,000488
Cash dividends$1,123,000626
Sale, conversion, retirement of capital stock, net$0419
Net operating income$2,068,900754
2002-12-31 (YTD Data)Rank
Total interest income$41,302,000735
Total interest expense$12,368,000911
Net interest income$28,934,000657
Provision for loan and lease losses$2,200,000689
Total noninterest income$9,727,000644
Gross Fiduciary activities income$2,206,000270
Service charges on deposit accounts$4,083,000401
Trading account gains and fees$0153
Additional Noninterest Income$3,438,000915
Total noninterest expense$23,571,000686
Salaries and employee benefits$11,917,000695
Premises and equipment expense$3,542,000631
Additional noninterest expense$8,112,000658
Pre-tax net operating income$12,890,000682
Securities gains (losses)$732,000513
Applicable income taxes$4,287,000680
Income before extraordinary items$9,335,000682
Extraordinary gains, net$070
Net income$9,335,000683
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,437,000700
Cash dividends$4,468,000682
Sale, conversion, retirement of capital stock, net$0862
Net operating income$8,829,920686
2001-12-31 (YTD Data)Rank
Total interest income$44,915,000755
Total interest expense$17,272,000944
Net interest income$27,643,000651
Provision for loan and lease losses$2,200,000650
Total noninterest income$9,282,000636
Gross Fiduciary activities income$2,497,000255
Service charges on deposit accounts$3,529,000424
Trading account gains and fees$0177
Additional Noninterest Income$3,256,000884
Total noninterest expense$22,450,000696
Salaries and employee benefits$11,419,000661
Premises and equipment expense$3,435,000636
Additional noninterest expense$7,596,000693
Pre-tax net operating income$12,275,000633
Securities gains (losses)$250,0001,023
Applicable income taxes$4,024,000648
Income before extraordinary items$8,501,000660
Extraordinary gains, net$0105
Net income$8,501,000664
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,560,000688
Cash dividends$4,365,000688
Sale, conversion, retirement of capital stock, net$0922
Net operating income$8,331,000646
2000-12-31 (YTD Data)Rank
Total interest income$46,465,000765
Total interest expense$19,474,000913
Net interest income$26,991,000659
Provision for loan and lease losses$1,700,000690
Total noninterest income$8,491,000657
Gross Fiduciary activities income$2,477,000260
Service charges on deposit accounts$3,149,000426
Trading account gains and fees$0180
Additional Noninterest Income$2,865,000885
Total noninterest expense$21,063,000726
Salaries and employee benefits$10,658,000672
Premises and equipment expense$3,923,000566
Additional noninterest expense$6,482,000779
Pre-tax net operating income$12,719,000631
Securities gains (losses)$01,956
Applicable income taxes$4,345,000607
Income before extraordinary items$8,374,000661
Extraordinary gains, net$038
Net income$8,374,000661
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,117,000684
Cash dividends$4,191,000729
Sale, conversion, retirement of capital stock, net$0969
Net operating income$8,374,000657
1999-12-31 (YTD Data)Rank
Total interest income$41,491,000819
Total interest expense$16,130,000962
Net interest income$25,361,000719
Provision for loan and lease losses$2,000,000565
Total noninterest income$8,208,000694
Gross Fiduciary activities income$2,205,000315
Service charges on deposit accounts$2,967,000462
Trading account gains and fees$0173
Additional Noninterest Income$3,036,000883
Total noninterest expense$20,511,000746
Salaries and employee benefits$10,287,000685
Premises and equipment expense$3,962,000564
Additional noninterest expense$6,262,000823
Pre-tax net operating income$11,058,000758
Securities gains (losses)$03,155
Applicable income taxes$3,683,000745
Income before extraordinary items$7,375,000785
Extraordinary gains, net$035
Net income$7,375,000785
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$816,000823
Cash dividends$3,794,000810
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$7,375,000771
1998-12-31 (YTD Data)Rank
Total interest income$37,949,000886
Total interest expense$14,434,0001,086
Net interest income$23,515,000742
Provision for loan and lease losses$2,725,000472
Total noninterest income$7,103,000743
Gross Fiduciary activities income$1,993,000322
Service charges on deposit accounts$2,533,000510
Trading account gains and fees$0224
Additional Noninterest Income$2,577,000997
Total noninterest expense$18,836,000786
Salaries and employee benefits$9,357,000722
Premises and equipment expense$3,882,000567
Additional noninterest expense$5,597,000884
Pre-tax net operating income$9,057,000871
Securities gains (losses)$256,000799
Applicable income taxes$3,102,000842
Income before extraordinary items$6,211,000877
Extraordinary gains, net$263,00010
Net income$6,474,000846
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,410,000349
Cash dividends$3,381,000895
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$6,039,480864
1997-12-31 (YTD Data)Rank
Total interest income$34,893,000980
Total interest expense$13,441,0001,197
Net interest income$21,452,000839
Provision for loan and lease losses$750,0001,253
Total noninterest income$5,909,000824
Gross Fiduciary activities income$1,399,000391
Service charges on deposit accounts$2,143,000606
Trading account gains and fees$0239
Additional Noninterest Income$2,367,000978
Total noninterest expense$17,368,000828
Salaries and employee benefits$8,856,000775
Premises and equipment expense$3,466,000600
Additional noninterest expense$5,046,000959
Pre-tax net operating income$9,243,000871
Securities gains (losses)$03,944
Applicable income taxes$3,149,000887
Income before extraordinary items$6,094,000906
Extraordinary gains, net$044
Net income$6,094,000908
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$698,0001,030
Cash dividends$2,934,000972
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$6,094,000882
1996-12-31 (YTD Data)Rank
Total interest income$32,215,0001,073
Total interest expense$11,481,0001,412
Net interest income$20,734,000900
Provision for loan and lease losses$600,0001,497
Total noninterest income$5,007,000950
Gross Fiduciary activities income$1,176,000465
Service charges on deposit accounts$1,903,000697
Trading account gains and fees$0262
Additional Noninterest Income$1,928,0001,181
Total noninterest expense$16,576,000919
Salaries and employee benefits$8,307,000826
Premises and equipment expense$3,177,000709
Additional noninterest expense$5,092,0001,119
Pre-tax net operating income$8,565,000896
Securities gains (losses)$-1,0009,274
Applicable income taxes$2,837,000914
Income before extraordinary items$5,727,000920
Extraordinary gains, net$053
Net income$5,727,000921
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$486,0001,459
Cash dividends$10,509,000407
Sale, conversion, retirement of capital stock, net$0953
Net operating income$5,727,670902
1995-12-31 (YTD Data)Rank
Total interest income$30,876,0001,136
Total interest expense$11,636,0001,400
Net interest income$19,240,000958
Provision for loan and lease losses$400,0001,857
Total noninterest income$4,361,0001,048
Gross Fiduciary activities income$1,112,000511
Service charges on deposit accounts$1,360,000980
Trading account gains and fees$0522
Additional Noninterest Income$1,889,0001,168
Total noninterest expense$16,005,000951
Salaries and employee benefits$8,083,000858
Premises and equipment expense$3,023,000758
Additional noninterest expense$4,899,0001,140
Pre-tax net operating income$7,196,0001,088
Securities gains (losses)$03,831
Applicable income taxes$2,287,0001,120
Income before extraordinary items$4,909,0001,083
Extraordinary gains, net$065
Net income$4,909,0001,081
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$230,0002,289
Cash dividends$2,094,0001,191
Sale, conversion, retirement of capital stock, net$0809
Net operating income$4,909,0001,067
1994-12-31 (YTD Data)Rank
Total interest income$26,621,0001,173
Total interest expense$8,572,0001,507
Net interest income$18,049,0001,023
Provision for loan and lease losses$400,0001,822
Total noninterest income$4,202,0001,040
Gross Fiduciary activities income$984,000528
Service charges on deposit accounts$1,300,0001,022
Trading account gains and fees$0475
Additional Noninterest Income$1,918,0001,158
Total noninterest expense$15,677,000975
Salaries and employee benefits$7,822,000876
Premises and equipment expense$2,801,000799
Additional noninterest expense$5,054,0001,161
Pre-tax net operating income$6,174,0001,212
Securities gains (losses)$03,600
Applicable income taxes$1,834,0001,295
Income before extraordinary items$4,340,0001,171
Extraordinary gains, net$0249
Net income$4,340,0001,171
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$282,0001,994
Cash dividends$1,841,0001,200
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$4,340,0001,182
1993-12-31 (YTD Data)Rank
Total interest income$25,786,0001,236
Total interest expense$8,540,0001,565
Net interest income$17,246,0001,065
Provision for loan and lease losses$500,0002,086
Total noninterest income$3,930,0001,181
Gross Fiduciary activities income$886,000577
Service charges on deposit accounts$1,505,000870
Trading account gains and fees$0532
Additional Noninterest Income$1,539,0001,528
Total noninterest expense$15,004,0001,056
Salaries and employee benefits$7,454,000908
Premises and equipment expense$2,669,000846
Additional noninterest expense$4,881,0001,297
Pre-tax net operating income$5,672,0001,226
Securities gains (losses)$140,0002,061
Applicable income taxes$1,804,0001,326
Income before extraordinary items$4,008,0001,270
Extraordinary gains, net$03,149
Net income$4,008,0001,309
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$192,0003,212
Cash dividends$4,725,000515
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$3,911,4001,209
1992-12-31 (YTD Data)Rank
Total interest income$27,391,0001,331
Total interest expense$10,223,0001,687
Net interest income$17,168,0001,081
Provision for loan and lease losses$700,0002,369
Total noninterest income$3,658,0001,225
Gross Fiduciary activities income$809,000604
Service charges on deposit accounts$1,477,000885
Trading account gains and fees$0504
Additional Noninterest Income$1,372,0001,607
Total noninterest expense$14,807,0001,082
Salaries and employee benefits$7,270,000939
Premises and equipment expense$2,823,000841
Additional noninterest expense$4,714,0001,395
Pre-tax net operating income$5,319,0001,213
Securities gains (losses)$14,0006,053
Applicable income taxes$1,535,0001,426
Income before extraordinary items$3,798,0001,229
Extraordinary gains, net$01,422
Net income$3,798,0001,230
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$97,0006,002
Cash dividends$1,555,0001,049
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$3,788,0601,145

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.