Home > The Merchants National Bank > Income and Expense

The Merchants National Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$52,935,000875
Total interest expense$17,592,000860
Net interest income$35,343,000903
Provision for loan and lease losses$200,0001,989
Total noninterest income$5,837,0001,074
Gross Fiduciary activities income$0981
Service charges on deposit accounts$1,711,000650
Trading account gains and feesNANA
Additional Noninterest Income$4,126,0001,003
Total noninterest expense$28,196,000940
Salaries and employee benefits$14,648,000982
Premises and equipment expense$2,801,000928
Additional noninterest expense$4,126,0001,003
Pre-tax net operating income$12,784,000968
Securities gains (losses)$0988
Applicable income taxes$2,503,000834
Income before extraordinary items$10,281,000989
Extraordinary gains, net$054
Net income$10,281,0001,003
Minority interest net income$088
Net income of bank and minority interests.$10,281,000992
Net charge-offs$-352,0004,511
Cash dividends$7,500,000590
Sale, conversion, retirement of capital stock, net$0540
Net operating income$10,281,0001,004
2023-09-30 (YTD Data)Rank
Total interest income$38,888,000874
Total interest expense$12,271,000856
Net interest income$26,617,000911
Provision for loan and lease losses$200,0001,644
Total noninterest income$4,113,0001,130
Gross Fiduciary activities income$0950
Service charges on deposit accounts$1,269,000652
Trading account gains and feesNANA
Additional Noninterest Income$2,844,0001,067
Total noninterest expense$20,673,000953
Salaries and employee benefits$10,945,000989
Premises and equipment expense$2,132,000926
Additional noninterest expense$2,844,0001,067
Pre-tax net operating income$9,857,000975
Securities gains (losses)$0849
Applicable income taxes$1,927,000846
Income before extraordinary items$7,930,0001,008
Extraordinary gains, net$052
Net income$7,930,0001,013
Minority interest net income$081
Net income of bank and minority interests.$7,930,0001,008
Net charge-offs$-271,0004,504
Cash dividends$4,531,000649
Sale, conversion, retirement of capital stock, net$0507
Net operating income$7,930,0001,022
2023-06-30 (YTD Data)Rank
Total interest income$25,184,000871
Total interest expense$7,320,000854
Net interest income$17,864,000903
Provision for loan and lease losses$200,0001,332
Total noninterest income$2,716,0001,083
Gross Fiduciary activities income$0931
Service charges on deposit accounts$837,000654
Trading account gains and feesNANA
Additional Noninterest Income$1,879,0001,015
Total noninterest expense$13,730,000943
Salaries and employee benefits$7,434,000975
Premises and equipment expense$1,402,000919
Additional noninterest expense$1,879,0001,014
Pre-tax net operating income$6,650,000983
Securities gains (losses)$0938
Applicable income taxes$1,297,000849
Income before extraordinary items$5,353,0001,004
Extraordinary gains, net$051
Net income$5,353,0001,017
Minority interest net income$081
Net income of bank and minority interests.$5,353,0001,004
Net charge-offs$-118,0004,473
Cash dividends$3,736,000554
Sale, conversion, retirement of capital stock, net$0486
Net operating income$5,353,0001,009
2023-03-31 (YTD Data)Rank
Total interest income$12,077,000895
Total interest expense$3,125,000868
Net interest income$8,952,000914
Provision for loan and lease losses$150,0001,007
Total noninterest income$1,332,0001,095
Gross Fiduciary activities income$0913
Service charges on deposit accounts$414,000668
Trading account gains and feesNANA
Additional Noninterest Income$918,0001,034
Total noninterest expense$6,993,000941
Salaries and employee benefits$3,827,000972
Premises and equipment expense$724,000913
Additional noninterest expense$918,0001,034
Pre-tax net operating income$3,141,0001,042
Securities gains (losses)$0950
Applicable income taxes$607,000915
Income before extraordinary items$2,534,0001,056
Extraordinary gains, net$04
Net income$2,534,0001,055
Minority interest net income$048
Net income of bank and minority interests.$2,534,0001,055
Net charge-offs$-39,0004,386
Cash dividends$778,000966
Sale, conversion, retirement of capital stock, net$0430
Net operating income$2,534,0001,072
2022-12-31 (YTD Data)Rank
Total interest income$43,684,000836
Total interest expense$3,653,000999
Net interest income$40,031,000825
Provision for loan and lease losses$600,0001,102
Total noninterest income$5,525,0001,133
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$1,621,000690
Trading account gains and feesNANA
Additional Noninterest Income$3,904,0001,067
Total noninterest expense$26,816,000951
Salaries and employee benefits$14,522,000985
Premises and equipment expense$2,901,000887
Additional noninterest expense$3,904,0001,067
Pre-tax net operating income$18,140,000814
Securities gains (losses)$0691
Applicable income taxes$3,773,000721
Income before extraordinary items$14,367,000826
Extraordinary gains, net$05
Net income$14,367,000827
Minority interest net income$063
Net income of bank and minority interests.$14,367,000827
Net charge-offs$-238,0004,468
Cash dividends$6,963,000605
Sale, conversion, retirement of capital stock, net$0568
Net operating income$14,367,000846
2022-09-30 (YTD Data)Rank
Total interest income$31,905,000827
Total interest expense$2,027,0001,012
Net interest income$29,878,000814
Provision for loan and lease losses$450,0001,008
Total noninterest income$4,195,0001,137
Gross Fiduciary activities income$0968
Service charges on deposit accounts$1,191,000712
Trading account gains and feesNANA
Additional Noninterest Income$3,004,0001,069
Total noninterest expense$19,802,000958
Salaries and employee benefits$10,882,000983
Premises and equipment expense$2,156,000892
Additional noninterest expense$3,004,0001,069
Pre-tax net operating income$13,821,000810
Securities gains (losses)$0740
Applicable income taxes$2,905,000707
Income before extraordinary items$10,916,000824
Extraordinary gains, net$04
Net income$10,916,000823
Minority interest net income$057
Net income of bank and minority interests.$10,916,000824
Net charge-offs$-115,0004,340
Cash dividends$4,103,000673
Sale, conversion, retirement of capital stock, net$0519
Net operating income$10,916,000840
2022-06-30 (YTD Data)Rank
Total interest income$20,420,000821
Total interest expense$1,172,000992
Net interest income$19,248,000814
Provision for loan and lease losses$300,000908
Total noninterest income$2,828,0001,116
Gross Fiduciary activities income$0925
Service charges on deposit accounts$753,000737
Trading account gains and feesNANA
Additional Noninterest Income$2,075,0001,082
Total noninterest expense$13,060,000947
Salaries and employee benefits$7,437,000949
Premises and equipment expense$1,421,000888
Additional noninterest expense$4,202,000895
Pre-tax net operating income$8,716,000806
Securities gains (losses)$0687
Applicable income taxes$1,853,000688
Income before extraordinary items$6,863,000819
Extraordinary gains, net$04
Net income$6,863,000819
Minority interest net income$060
Net income of bank and minority interests.$6,863,000819
Net charge-offs$-4,0003,378
Cash dividends$3,428,000560
Sale, conversion, retirement of capital stock, net$0494
Net operating income$6,863,000835
2022-03-31 (YTD Data)Rank
Total interest income$10,002,000813
Total interest expense$622,000880
Net interest income$9,380,000811
Provision for loan and lease losses$150,000763
Total noninterest income$1,516,0001,054
Gross Fiduciary activities income$0892
Service charges on deposit accounts$362,000756
Trading account gains and feesNANA
Additional Noninterest Income$1,154,000995
Total noninterest expense$6,760,000918
Salaries and employee benefits$3,966,000908
Premises and equipment expense$743,000864
Additional noninterest expense$2,051,000900
Pre-tax net operating income$3,986,000828
Securities gains (losses)$0623
Applicable income taxes$848,000717
Income before extraordinary items$3,138,000857
Extraordinary gains, net$04
Net income$3,138,000856
Minority interest net income$050
Net income of bank and minority interests.$3,138,000857
Net charge-offs$-13,0004,007
Cash dividends$654,0001,007
Sale, conversion, retirement of capital stock, net$0453
Net operating income$3,138,000867
2021-12-31 (YTD Data)Rank
Total interest income$43,348,000767
Total interest expense$3,469,000793
Net interest income$39,879,000770
Provision for loan and lease losses$600,000874
Total noninterest income$5,382,0001,252
Gross Fiduciary activities income$0994
Service charges on deposit accounts$1,314,000778
Trading account gains and feesNANA
Additional Noninterest Income$4,068,0001,238
Total noninterest expense$27,324,000914
Salaries and employee benefits$15,048,000932
Premises and equipment expense$3,014,000860
Additional noninterest expense$9,262,000831
Pre-tax net operating income$17,337,000839
Securities gains (losses)$02,062
Applicable income taxes$3,705,000759
Income before extraordinary items$13,632,000895
Extraordinary gains, net$010
Net income$13,632,000896
Minority interest net income$074
Net income of bank and minority interests.$13,632,000896
Net charge-offs$4,0002,487
Cash dividends$6,812,000621
Sale, conversion, retirement of capital stock, net$0582
Net operating income$13,632,000882
2021-09-30 (YTD Data)Rank
Total interest income$31,994,000793
Total interest expense$2,747,000800
Net interest income$29,247,000798
Provision for loan and lease losses$450,000883
Total noninterest income$3,965,0001,300
Gross Fiduciary activities income$0957
Service charges on deposit accounts$967,000789
Trading account gains and feesNANA
Additional Noninterest Income$2,998,0001,286
Total noninterest expense$19,734,000947
Salaries and employee benefits$10,741,000981
Premises and equipment expense$2,233,000881
Additional noninterest expense$6,760,000850
Pre-tax net operating income$13,028,000874
Securities gains (losses)$02,015
Applicable income taxes$2,775,000783
Income before extraordinary items$10,253,000927
Extraordinary gains, net$08
Net income$10,253,000927
Minority interest net income$069
Net income of bank and minority interests.$10,253,000927
Net charge-offs$-4,0003,372
Cash dividends$4,076,000678
Sale, conversion, retirement of capital stock, net$0543
Net operating income$10,253,000909
2021-06-30 (YTD Data)Rank
Total interest income$20,481,000820
Total interest expense$1,930,000793
Net interest income$18,551,000825
Provision for loan and lease losses$300,000865
Total noninterest income$2,558,0001,308
Gross Fiduciary activities income$0951
Service charges on deposit accounts$598,000806
Trading account gains and feesNANA
Additional Noninterest Income$1,960,0001,311
Total noninterest expense$12,620,000975
Salaries and employee benefits$6,913,0001,009
Premises and equipment expense$1,504,000875
Additional noninterest expense$4,203,000885
Pre-tax net operating income$8,189,000896
Securities gains (losses)$01,818
Applicable income taxes$1,736,000810
Income before extraordinary items$6,453,000970
Extraordinary gains, net$06
Net income$6,453,000970
Minority interest net income$067
Net income of bank and minority interests.$6,453,000970
Net charge-offs$-21,0004,072
Cash dividends$3,414,000564
Sale, conversion, retirement of capital stock, net$0517
Net operating income$6,453,000947
2021-03-31 (YTD Data)Rank
Total interest income$10,006,000832
Total interest expense$1,035,000770
Net interest income$8,971,000840
Provision for loan and lease losses$150,000937
Total noninterest income$1,379,0001,242
Gross Fiduciary activities income$0922
Service charges on deposit accounts$296,000799
Trading account gains and feesNANA
Additional Noninterest Income$1,083,0001,205
Total noninterest expense$6,356,000959
Salaries and employee benefits$3,498,000993
Premises and equipment expense$768,000872
Additional noninterest expense$2,090,000861
Pre-tax net operating income$3,844,000945
Securities gains (losses)$01,392
Applicable income taxes$816,000842
Income before extraordinary items$3,028,0001,014
Extraordinary gains, net$03
Net income$3,028,0001,014
Minority interest net income$055
Net income of bank and minority interests.$3,028,0001,014
Net charge-offs$15,0001,237
Cash dividends$670,000997
Sale, conversion, retirement of capital stock, net$0482
Net operating income$3,028,000987
2020-12-31 (YTD Data)Rank
Total interest income$42,999,000780
Total interest expense$5,796,000828
Net interest income$37,203,000773
Provision for loan and lease losses$1,650,0001,182
Total noninterest income$5,466,0001,194
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$1,398,000721
Trading account gains and feesNANA
Additional Noninterest Income$4,068,0001,193
Total noninterest expense$25,290,000942
Salaries and employee benefits$14,870,000913
Premises and equipment expense$3,086,000832
Additional noninterest expense$7,334,000953
Pre-tax net operating income$15,729,000710
Securities gains (losses)$02,675
Applicable income taxes$3,249,000660
Income before extraordinary items$12,480,000776
Extraordinary gains, net$04
Net income$12,480,000776
Minority interest net income$072
Net income of bank and minority interests.$12,480,000776
Net charge-offs$304,0001,285
Cash dividends$4,072,000891
Sale, conversion, retirement of capital stock, net$0566
Net operating income$12,480,000743
2020-09-30 (YTD Data)Rank
Total interest income$31,655,000796
Total interest expense$4,631,000833
Net interest income$27,024,000791
Provision for loan and lease losses$1,200,0001,222
Total noninterest income$3,885,0001,203
Gross Fiduciary activities income$0981
Service charges on deposit accounts$1,042,000715
Trading account gains and feesNANA
Additional Noninterest Income$2,843,0001,210
Total noninterest expense$17,721,000972
Salaries and employee benefits$10,154,000970
Premises and equipment expense$2,304,000827
Additional noninterest expense$5,263,000968
Pre-tax net operating income$11,988,000677
Securities gains (losses)$02,494
Applicable income taxes$2,489,000622
Income before extraordinary items$9,499,000747
Extraordinary gains, net$04
Net income$9,499,000747
Minority interest net income$065
Net income of bank and minority interests.$9,499,000747
Net charge-offs$165,0001,369
Cash dividends$2,036,0001,089
Sale, conversion, retirement of capital stock, net$0532
Net operating income$9,499,000718
2020-06-30 (YTD Data)Rank
Total interest income$21,413,000790
Total interest expense$3,297,000842
Net interest income$18,116,000788
Provision for loan and lease losses$750,0001,265
Total noninterest income$2,400,0001,202
Gross Fiduciary activities income$0970
Service charges on deposit accounts$698,000718
Trading account gains and feesNANA
Additional Noninterest Income$1,702,0001,213
Total noninterest expense$11,668,000974
Salaries and employee benefits$6,725,000973
Premises and equipment expense$1,516,000838
Additional noninterest expense$3,427,000992
Pre-tax net operating income$8,098,000621
Securities gains (losses)$02,249
Applicable income taxes$1,671,000561
Income before extraordinary items$6,427,000671
Extraordinary gains, net$04
Net income$6,427,000671
Minority interest net income$065
Net income of bank and minority interests.$6,427,000671
Net charge-offs$167,0001,103
Cash dividends$2,508,000670
Sale, conversion, retirement of capital stock, net$0504
Net operating income$6,427,000645
2020-03-31 (YTD Data)Rank
Total interest income$10,915,000771
Total interest expense$1,755,000881
Net interest income$9,160,000749
Provision for loan and lease losses$300,0001,167
Total noninterest income$1,193,0001,150
Gross Fiduciary activities income$0941
Service charges on deposit accounts$426,000702
Trading account gains and feesNANA
Additional Noninterest Income$767,0001,171
Total noninterest expense$5,825,000982
Salaries and employee benefits$3,386,000964
Premises and equipment expense$749,000864
Additional noninterest expense$1,690,0001,013
Pre-tax net operating income$4,228,000548
Securities gains (losses)$01,705
Applicable income taxes$859,000512
Income before extraordinary items$3,369,000581
Extraordinary gains, net$04
Net income$3,369,000582
Minority interest net income$056
Net income of bank and minority interests.$3,369,000581
Net charge-offs$92,000918
Cash dividends$257,0001,763
Sale, conversion, retirement of capital stock, net$0482
Net operating income$3,369,000559
2019-12-31 (YTD Data)Rank
Total interest income$40,505,000844
Total interest expense$6,748,000956
Net interest income$33,757,000818
Provision for loan and lease losses$854,0001,021
Total noninterest income$4,596,0001,191
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$1,603,000766
Trading account gains and feesNANA
Additional Noninterest Income$2,993,0001,204
Total noninterest expense$24,809,000929
Salaries and employee benefits$13,022,000971
Premises and equipment expense$2,353,0001,027
Additional noninterest expense$9,434,000745
Pre-tax net operating income$12,690,000865
Securities gains (losses)$02,379
Applicable income taxes$2,538,000776
Income before extraordinary items$10,152,000928
Extraordinary gains, net$011
Net income$10,152,000929
Minority interest net income$076
Net income of bank and minority interests.$10,152,000929
Net charge-offs$322,0001,310
Cash dividends$17,701,000329
Sale, conversion, retirement of capital stock, net$0626
Net operating income$10,152,000903
2019-09-30 (YTD Data)Rank
Total interest income$29,120,000877
Total interest expense$4,923,000996
Net interest income$24,197,000853
Provision for loan and lease losses$629,000978
Total noninterest income$3,277,0001,221
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$1,199,000768
Trading account gains and feesNANA
Additional Noninterest Income$2,078,0001,257
Total noninterest expense$18,493,000923
Salaries and employee benefits$9,226,0001,017
Premises and equipment expense$1,741,0001,045
Additional noninterest expense$7,526,000696
Pre-tax net operating income$8,352,000988
Securities gains (losses)$02,167
Applicable income taxes$1,636,000881
Income before extraordinary items$6,716,0001,042
Extraordinary gains, net$011
Net income$6,716,0001,043
Minority interest net income$072
Net income of bank and minority interests.$6,716,0001,043
Net charge-offs$139,0001,542
Cash dividends$15,414,000276
Sale, conversion, retirement of capital stock, net$0590
Net operating income$6,716,0001,022
2019-06-30 (YTD Data)Rank
Total interest income$18,125,000929
Total interest expense$3,037,0001,037
Net interest income$15,088,000894
Provision for loan and lease losses$479,000887
Total noninterest income$1,988,0001,283
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$721,000828
Trading account gains and feesNANA
Additional Noninterest Income$1,267,0001,293
Total noninterest expense$11,184,000987
Salaries and employee benefits$5,885,0001,045
Premises and equipment expense$1,042,0001,137
Additional noninterest expense$4,257,000813
Pre-tax net operating income$5,413,000977
Securities gains (losses)$01,702
Applicable income taxes$1,095,000856
Income before extraordinary items$4,318,0001,047
Extraordinary gains, net$011
Net income$4,318,0001,047
Minority interest net income$069
Net income of bank and minority interests.$4,318,0001,047
Net charge-offs$189,0001,026
Cash dividends$15,414,000221
Sale, conversion, retirement of capital stock, net$0573
Net operating income$4,318,0001,025
2019-03-31 (YTD Data)Rank
Total interest income$8,118,0001,007
Total interest expense$1,348,0001,123
Net interest income$6,770,000987
Provision for loan and lease losses$190,000987
Total noninterest income$860,0001,364
Gross Fiduciary activities income$0972
Service charges on deposit accounts$314,000920
Trading account gains and feesNANA
Additional Noninterest Income$546,0001,364
Total noninterest expense$4,766,0001,120
Salaries and employee benefits$2,751,0001,120
Premises and equipment expense$483,0001,231
Additional noninterest expense$1,532,0001,051
Pre-tax net operating income$2,674,000960
Securities gains (losses)$01,087
Applicable income taxes$541,000855
Income before extraordinary items$2,133,0001,026
Extraordinary gains, net$05
Net income$2,133,0001,025
Minority interest net income$052
Net income of bank and minority interests.$2,133,0001,025
Net charge-offs$170,000684
Cash dividends$02,803
Sale, conversion, retirement of capital stock, net$0529
Net operating income$2,133,0001,005
2018-12-31 (YTD Data)Rank
Total interest income$31,221,000986
Total interest expense$4,357,0001,050
Net interest income$26,864,000971
Provision for loan and lease losses$460,0001,526
Total noninterest income$3,572,0001,370
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$1,468,000836
Trading account gains and feesNANA
Additional Noninterest Income$2,104,0001,452
Total noninterest expense$16,967,0001,209
Salaries and employee benefits$9,423,0001,223
Premises and equipment expense$1,722,0001,335
Additional noninterest expense$5,822,0001,107
Pre-tax net operating income$13,009,000837
Securities gains (losses)$5,000828
Applicable income taxes$2,778,000692
Income before extraordinary items$10,236,000896
Extraordinary gains, net$06
Net income$10,236,000895
Minority interest net income$072
Net income of bank and minority interests.$10,236,000895
Net charge-offs$335,0001,247
Cash dividends$5,597,000679
Sale, conversion, retirement of capital stock, net$0671
Net operating income$10,232,050894
2018-09-30 (YTD Data)Rank
Total interest income$23,209,000986
Total interest expense$3,114,0001,033
Net interest income$20,095,000971
Provision for loan and lease losses$322,0001,511
Total noninterest income$2,642,0001,395
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$1,089,000839
Trading account gains and feesNANA
Additional Noninterest Income$1,553,0001,489
Total noninterest expense$12,568,0001,225
Salaries and employee benefits$7,112,0001,216
Premises and equipment expense$1,287,0001,339
Additional noninterest expense$4,169,0001,135
Pre-tax net operating income$9,847,000839
Securities gains (losses)$6,000797
Applicable income taxes$1,994,000730
Income before extraordinary items$7,859,000878
Extraordinary gains, net$05
Net income$7,859,000876
Minority interest net income$066
Net income of bank and minority interests.$7,859,000877
Net charge-offs$135,0001,499
Cash dividends$3,799,000671
Sale, conversion, retirement of capital stock, net$0633
Net operating income$7,854,200872
2018-06-30 (YTD Data)Rank
Total interest income$15,282,000984
Total interest expense$1,944,0001,030
Net interest income$13,338,000965
Provision for loan and lease losses$230,0001,401
Total noninterest income$1,687,0001,441
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$711,000847
Trading account gains and feesNANA
Additional Noninterest Income$976,0001,542
Total noninterest expense$8,321,0001,234
Salaries and employee benefits$4,702,0001,230
Premises and equipment expense$853,0001,357
Additional noninterest expense$2,766,0001,143
Pre-tax net operating income$6,474,000825
Securities gains (losses)$5,000702
Applicable income taxes$1,308,000721
Income before extraordinary items$5,171,000870
Extraordinary gains, net$06
Net income$5,171,000868
Minority interest net income$065
Net income of bank and minority interests.$5,171,000869
Net charge-offs$93,0001,359
Cash dividends$3,799,000484
Sale, conversion, retirement of capital stock, net$0620
Net operating income$5,167,000865
2018-03-31 (YTD Data)Rank
Total interest income$7,413,000999
Total interest expense$919,0001,023
Net interest income$6,494,000987
Provision for loan and lease losses$138,0001,230
Total noninterest income$853,0001,422
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$346,000872
Trading account gains and feesNANA
Additional Noninterest Income$507,0001,469
Total noninterest expense$4,058,0001,262
Salaries and employee benefits$2,273,0001,288
Premises and equipment expense$420,0001,391
Additional noninterest expense$1,365,0001,155
Pre-tax net operating income$3,151,000828
Securities gains (losses)$6,000514
Applicable income taxes$636,000719
Income before extraordinary items$2,521,000874
Extraordinary gains, net$07
Net income$2,521,000875
Minority interest net income$052
Net income of bank and minority interests.$2,521,000874
Net charge-offs$-45,0005,205
Cash dividends$02,774
Sale, conversion, retirement of capital stock, net$0580
Net operating income$2,516,200867
2017-12-31 (YTD Data)Rank
Total interest income$28,262,0001,017
Total interest expense$3,222,0001,009
Net interest income$25,040,0001,007
Provision for loan and lease losses$660,0001,194
Total noninterest income$3,233,0001,501
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$1,270,000953
Trading account gains and feesNANA
Additional Noninterest Income$1,963,0001,556
Total noninterest expense$15,373,0001,291
Salaries and employee benefits$8,695,0001,297
Premises and equipment expense$1,671,0001,373
Additional noninterest expense$5,007,0001,246
Pre-tax net operating income$12,240,000835
Securities gains (losses)$89,000663
Applicable income taxes$5,031,000655
Income before extraordinary items$7,298,000983
Extraordinary gains, net$09
Net income$7,298,000983
Minority interest net income$076
Net income of bank and minority interests.$7,298,000983
Net charge-offs$187,0001,888
Cash dividends$5,495,000619
Sale, conversion, retirement of capital stock, net$0711
Net operating income$7,241,040982
2017-09-30 (YTD Data)Rank
Total interest income$20,732,0001,034
Total interest expense$2,382,0001,007
Net interest income$18,350,0001,024
Provision for loan and lease losses$480,0001,181
Total noninterest income$2,387,0001,530
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$922,000990
Trading account gains and feesNANA
Additional Noninterest Income$1,465,0001,573
Total noninterest expense$11,284,0001,311
Salaries and employee benefits$6,447,0001,315
Premises and equipment expense$1,241,0001,388
Additional noninterest expense$3,596,0001,283
Pre-tax net operating income$8,973,000864
Securities gains (losses)$02,274
Applicable income taxes$2,902,000706
Income before extraordinary items$6,071,000977
Extraordinary gains, net$09
Net income$6,071,000977
Minority interest net income$071
Net income of bank and minority interests.$6,071,000977
Net charge-offs$97,0001,969
Cash dividends$3,955,000609
Sale, conversion, retirement of capital stock, net$0677
Net operating income$6,071,000966
2017-06-30 (YTD Data)Rank
Total interest income$13,495,0001,046
Total interest expense$1,551,0001,003
Net interest income$11,944,0001,042
Provision for loan and lease losses$300,0001,177
Total noninterest income$1,525,0001,586
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$587,0001,019
Trading account gains and feesNANA
Additional Noninterest Income$938,0001,607
Total noninterest expense$7,418,0001,338
Salaries and employee benefits$4,207,0001,347
Premises and equipment expense$840,0001,379
Additional noninterest expense$2,371,0001,295
Pre-tax net operating income$5,751,000874
Securities gains (losses)$01,906
Applicable income taxes$1,853,000705
Income before extraordinary items$3,898,000992
Extraordinary gains, net$011
Net income$3,898,000993
Minority interest net income$071
Net income of bank and minority interests.$3,898,000992
Net charge-offs$124,0001,367
Cash dividends$3,955,000441
Sale, conversion, retirement of capital stock, net$0659
Net operating income$3,898,000983
2017-03-31 (YTD Data)Rank
Total interest income$6,653,0001,052
Total interest expense$755,0001,010
Net interest income$5,898,0001,050
Provision for loan and lease losses$180,000999
Total noninterest income$745,0001,604
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$282,0001,057
Trading account gains and feesNANA
Additional Noninterest Income$463,0001,603
Total noninterest expense$3,685,0001,363
Salaries and employee benefits$2,099,0001,365
Premises and equipment expense$406,0001,429
Additional noninterest expense$1,180,0001,307
Pre-tax net operating income$2,778,000882
Securities gains (losses)$01,153
Applicable income taxes$893,000712
Income before extraordinary items$1,885,0001,004
Extraordinary gains, net$08
Net income$1,885,0001,005
Minority interest net income$055
Net income of bank and minority interests.$1,885,0001,004
Net charge-offs$113,000863
Cash dividends$02,846
Sale, conversion, retirement of capital stock, net$0632
Net operating income$1,885,000988
2016-12-31 (YTD Data)Rank
Total interest income$27,243,000997
Total interest expense$3,399,000861
Net interest income$23,844,0001,015
Provision for loan and lease losses$499,0001,485
Total noninterest income$3,027,0001,640
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$948,0001,265
Trading account gains and fees$0170
Additional Noninterest Income$2,079,0001,561
Total noninterest expense$15,130,0001,314
Salaries and employee benefits$8,261,0001,340
Premises and equipment expense$1,724,0001,341
Additional noninterest expense$5,145,0001,224
Pre-tax net operating income$11,242,000834
Securities gains (losses)$03,212
Applicable income taxes$3,639,000683
Income before extraordinary items$7,603,000984
Extraordinary gains, net$05
Net income$7,603,000983
Minority interest net income$082
Net income of bank and minority interests.$7,603,000983
Net charge-offs$664,000897
Cash dividends$5,190,000640
Sale, conversion, retirement of capital stock, net$0759
Net operating income$7,603,000960
2016-09-30 (YTD Data)Rank
Total interest income$20,420,000998
Total interest expense$2,586,000852
Net interest income$17,834,0001,018
Provision for loan and lease losses$349,0001,487
Total noninterest income$2,189,0001,677
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$682,0001,308
Trading account gains and fees$0169
Additional Noninterest Income$1,507,0001,589
Total noninterest expense$11,194,0001,325
Salaries and employee benefits$6,124,0001,349
Premises and equipment expense$1,301,0001,345
Additional noninterest expense$3,769,0001,258
Pre-tax net operating income$8,480,000832
Securities gains (losses)$03,160
Applicable income taxes$2,688,000703
Income before extraordinary items$5,792,000965
Extraordinary gains, net$05
Net income$5,792,000965
Minority interest net income$071
Net income of bank and minority interests.$5,792,000965
Net charge-offs$368,000997
Cash dividends$3,815,000629
Sale, conversion, retirement of capital stock, net$0719
Net operating income$5,792,000936
2016-06-30 (YTD Data)Rank
Total interest income$13,625,000998
Total interest expense$1,748,000836
Net interest income$11,877,0001,021
Provision for loan and lease losses$124,0002,089
Total noninterest income$1,421,0001,680
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$410,0001,398
Trading account gains and fees$0157
Additional Noninterest Income$1,011,0001,539
Total noninterest expense$7,451,0001,337
Salaries and employee benefits$4,059,0001,363
Premises and equipment expense$868,0001,336
Additional noninterest expense$2,524,0001,259
Pre-tax net operating income$5,723,000824
Securities gains (losses)$02,835
Applicable income taxes$1,816,000695
Income before extraordinary items$3,907,000937
Extraordinary gains, net$016
Net income$3,907,000935
Minority interest net income$071
Net income of bank and minority interests.$3,907,000936
Net charge-offs$253,000976
Cash dividends$3,815,000472
Sale, conversion, retirement of capital stock, net$0705
Net operating income$3,907,000902
2016-03-31 (YTD Data)Rank
Total interest income$6,835,000994
Total interest expense$874,000826
Net interest income$5,961,0001,008
Provision for loan and lease losses$49,0002,210
Total noninterest income$650,0001,748
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$180,0001,553
Trading account gains and fees$0142
Additional Noninterest Income$470,0001,571
Total noninterest expense$3,612,0001,366
Salaries and employee benefits$1,976,0001,388
Premises and equipment expense$432,0001,348
Additional noninterest expense$1,204,0001,302
Pre-tax net operating income$2,950,000776
Securities gains (losses)$02,077
Applicable income taxes$931,000667
Income before extraordinary items$2,019,000877
Extraordinary gains, net$012
Net income$2,019,000878
Minority interest net income$062
Net income of bank and minority interests.$2,019,000878
Net charge-offs$127,000881
Cash dividends$02,895
Sale, conversion, retirement of capital stock, net$0659
Net operating income$2,019,000858
2015-12-31 (YTD Data)Rank
Total interest income$27,408,000954
Total interest expense$3,477,000805
Net interest income$23,931,000964
Provision for loan and lease losses$1,069,000785
Total noninterest income$2,575,0001,796
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$787,0001,500
Trading account gains and fees$0159
Additional Noninterest Income$1,788,0001,656
Total noninterest expense$14,937,0001,319
Salaries and employee benefits$8,322,0001,309
Premises and equipment expense$1,670,0001,385
Additional noninterest expense$4,945,0001,279
Pre-tax net operating income$10,500,000855
Securities gains (losses)$-3,0005,742
Applicable income taxes$3,251,000713
Income before extraordinary items$7,246,000976
Extraordinary gains, net$023
Net income$7,246,000976
Minority interest net income$081
Net income of bank and minority interests.$7,246,000976
Net charge-offs$586,0001,031
Cash dividends$2,452,0001,154
Sale, conversion, retirement of capital stock, net$0804
Net operating income$7,248,070957
2015-09-30 (YTD Data)Rank
Total interest income$20,382,000969
Total interest expense$2,600,000815
Net interest income$17,782,000978
Provision for loan and lease losses$859,000688
Total noninterest income$2,002,0001,754
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$593,0001,508
Trading account gains and fees$0153
Additional Noninterest Income$1,409,0001,603
Total noninterest expense$11,113,0001,329
Salaries and employee benefits$6,256,0001,312
Premises and equipment expense$1,236,0001,408
Additional noninterest expense$3,621,0001,301
Pre-tax net operating income$7,812,000869
Securities gains (losses)$03,031
Applicable income taxes$2,383,000744
Income before extraordinary items$5,429,000982
Extraordinary gains, net$3,00019
Net income$5,432,000981
Minority interest net income$078
Net income of bank and minority interests.$5,432,000981
Net charge-offs$475,000896
Cash dividends$1,230,0001,393
Sale, conversion, retirement of capital stock, net$0773
Net operating income$5,429,000954
2015-06-30 (YTD Data)Rank
Total interest income$13,433,000973
Total interest expense$1,698,000835
Net interest income$11,735,000985
Provision for loan and lease losses$572,000684
Total noninterest income$1,228,0001,870
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$383,0001,525
Trading account gains and fees$0157
Additional Noninterest Income$845,0001,742
Total noninterest expense$7,487,0001,321
Salaries and employee benefits$4,263,0001,297
Premises and equipment expense$818,0001,435
Additional noninterest expense$2,406,0001,311
Pre-tax net operating income$4,904,000912
Securities gains (losses)$02,636
Applicable income taxes$1,505,000768
Income before extraordinary items$3,399,0001,042
Extraordinary gains, net$3,00018
Net income$3,402,0001,041
Minority interest net income$075
Net income of bank and minority interests.$3,402,0001,041
Net charge-offs$334,000847
Cash dividends$1,230,0001,045
Sale, conversion, retirement of capital stock, net$0751
Net operating income$3,399,0001,011
2015-03-31 (YTD Data)Rank
Total interest income$6,610,000984
Total interest expense$830,000856
Net interest income$5,780,000996
Provision for loan and lease losses$316,000604
Total noninterest income$557,0001,973
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$187,0001,523
Trading account gains and fees$0152
Additional Noninterest Income$370,0001,860
Total noninterest expense$3,790,0001,307
Salaries and employee benefits$2,161,0001,290
Premises and equipment expense$402,0001,480
Additional noninterest expense$1,227,0001,285
Pre-tax net operating income$2,231,000966
Securities gains (losses)$02,027
Applicable income taxes$676,000824
Income before extraordinary items$1,555,0001,095
Extraordinary gains, net$013
Net income$1,555,0001,096
Minority interest net income$064
Net income of bank and minority interests.$1,555,0001,096
Net charge-offs$173,000810
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$0697
Net operating income$1,555,0001,062
2014-12-31 (YTD Data)Rank
Total interest income$26,482,000967
Total interest expense$3,306,000898
Net interest income$23,176,000959
Provision for loan and lease losses$1,135,000789
Total noninterest income$2,360,0001,881
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$897,0001,430
Trading account gains and fees$0180
Additional Noninterest Income$1,463,0001,795
Total noninterest expense$14,525,0001,342
Salaries and employee benefits$7,917,0001,333
Premises and equipment expense$1,694,0001,399
Additional noninterest expense$4,914,0001,314
Pre-tax net operating income$9,876,000841
Securities gains (losses)$03,259
Applicable income taxes$2,999,000714
Income before extraordinary items$6,877,000969
Extraordinary gains, net$017
Net income$6,877,000968
Minority interest net income$084
Net income of bank and minority interests.$6,877,000968
Net charge-offs$895,000985
Cash dividends$2,313,0001,141
Sale, conversion, retirement of capital stock, net$0862
Net operating income$6,877,000939
2014-09-30 (YTD Data)Rank
Total interest income$19,588,000981
Total interest expense$2,473,000920
Net interest income$17,115,000981
Provision for loan and lease losses$819,000796
Total noninterest income$1,651,0001,978
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$693,0001,406
Trading account gains and fees$0174
Additional Noninterest Income$958,0001,999
Total noninterest expense$10,837,0001,355
Salaries and employee benefits$5,987,0001,327
Premises and equipment expense$1,255,0001,424
Additional noninterest expense$3,595,0001,343
Pre-tax net operating income$7,110,000889
Securities gains (losses)$02,980
Applicable income taxes$2,129,000759
Income before extraordinary items$4,981,0001,001
Extraordinary gains, net$015
Net income$4,981,0001,000
Minority interest net income$081
Net income of bank and minority interests.$4,981,0001,000
Net charge-offs$628,000970
Cash dividends$1,132,0001,419
Sale, conversion, retirement of capital stock, net$0819
Net operating income$4,981,000979
2014-06-30 (YTD Data)Rank
Total interest income$12,862,000993
Total interest expense$1,670,000909
Net interest income$11,192,000997
Provision for loan and lease losses$502,000840
Total noninterest income$1,132,0001,933
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$452,0001,413
Trading account gains and fees$0172
Additional Noninterest Income$680,0001,887
Total noninterest expense$7,304,0001,349
Salaries and employee benefits$3,934,0001,350
Premises and equipment expense$802,0001,490
Additional noninterest expense$2,568,0001,264
Pre-tax net operating income$4,518,000902
Securities gains (losses)$02,580
Applicable income taxes$1,340,000771
Income before extraordinary items$3,178,0001,014
Extraordinary gains, net$020
Net income$3,178,0001,015
Minority interest net income$080
Net income of bank and minority interests.$3,178,0001,015
Net charge-offs$396,0001,042
Cash dividends$1,132,0001,054
Sale, conversion, retirement of capital stock, net$0794
Net operating income$3,178,000992
2014-03-31 (YTD Data)Rank
Total interest income$6,371,000999
Total interest expense$830,000924
Net interest income$5,541,0001,011
Provision for loan and lease losses$267,000795
Total noninterest income$595,0001,809
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$224,0001,400
Trading account gains and fees$0147
Additional Noninterest Income$371,0001,750
Total noninterest expense$3,576,0001,376
Salaries and employee benefits$1,970,0001,364
Premises and equipment expense$412,0001,485
Additional noninterest expense$1,194,0001,332
Pre-tax net operating income$2,293,000864
Securities gains (losses)$01,715
Applicable income taxes$694,000729
Income before extraordinary items$1,599,000973
Extraordinary gains, net$016
Net income$1,599,000973
Minority interest net income$066
Net income of bank and minority interests.$1,599,000974
Net charge-offs$221,000886
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$1,599,000956
2013-12-31 (YTD Data)Rank
Total interest income$25,753,000978
Total interest expense$3,322,0001,015
Net interest income$22,431,000969
Provision for loan and lease losses$1,238,000925
Total noninterest income$2,408,0001,902
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$940,0001,441
Trading account gains and fees$0184
Additional Noninterest Income$1,468,0001,877
Total noninterest expense$13,995,0001,411
Salaries and employee benefits$7,558,0001,389
Premises and equipment expense$1,505,0001,575
Additional noninterest expense$4,932,0001,359
Pre-tax net operating income$9,606,000799
Securities gains (losses)$03,182
Applicable income taxes$2,975,000666
Income before extraordinary items$6,631,000944
Extraordinary gains, net$029
Net income$6,631,000946
Minority interest net income$090
Net income of bank and minority interests.$6,631,000946
Net charge-offs$842,0001,433
Cash dividends$2,264,0001,089
Sale, conversion, retirement of capital stock, net$0924
Net operating income$6,631,000914
2013-09-30 (YTD Data)Rank
Total interest income$19,097,0001,005
Total interest expense$2,473,0001,051
Net interest income$16,624,000988
Provision for loan and lease losses$984,000897
Total noninterest income$1,874,0001,879
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$710,0001,440
Trading account gains and fees$0180
Additional Noninterest Income$1,164,0001,853
Total noninterest expense$10,247,0001,440
Salaries and employee benefits$5,466,0001,441
Premises and equipment expense$1,131,0001,573
Additional noninterest expense$3,650,0001,371
Pre-tax net operating income$7,267,000805
Securities gains (losses)$03,040
Applicable income taxes$2,274,000666
Income before extraordinary items$4,993,000931
Extraordinary gains, net$025
Net income$4,993,000933
Minority interest net income$084
Net income of bank and minority interests.$4,993,000933
Net charge-offs$628,0001,381
Cash dividends$1,132,0001,327
Sale, conversion, retirement of capital stock, net$0868
Net operating income$4,993,000909
2013-06-30 (YTD Data)Rank
Total interest income$12,595,0001,005
Total interest expense$1,665,0001,068
Net interest income$10,930,000987
Provision for loan and lease losses$730,000858
Total noninterest income$1,315,0001,832
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$459,0001,452
Trading account gains and fees$0157
Additional Noninterest Income$856,0001,780
Total noninterest expense$6,888,0001,433
Salaries and employee benefits$3,731,0001,411
Premises and equipment expense$793,0001,514
Additional noninterest expense$2,364,0001,402
Pre-tax net operating income$4,627,000827
Securities gains (losses)$02,791
Applicable income taxes$1,443,000697
Income before extraordinary items$3,184,000964
Extraordinary gains, net$022
Net income$3,184,000966
Minority interest net income$082
Net income of bank and minority interests.$3,184,000967
Net charge-offs$563,0001,166
Cash dividends$1,132,000984
Sale, conversion, retirement of capital stock, net$0838
Net operating income$3,184,000927
2013-03-31 (YTD Data)Rank
Total interest income$6,286,0001,008
Total interest expense$845,0001,093
Net interest income$5,441,000992
Provision for loan and lease losses$365,000870
Total noninterest income$637,0001,877
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$219,0001,504
Trading account gains and fees$0148
Additional Noninterest Income$418,0001,799
Total noninterest expense$3,540,0001,406
Salaries and employee benefits$1,926,0001,386
Premises and equipment expense$387,0001,566
Additional noninterest expense$1,227,0001,340
Pre-tax net operating income$2,173,000864
Securities gains (losses)$01,966
Applicable income taxes$671,000715
Income before extraordinary items$1,502,0001,014
Extraordinary gains, net$010
Net income$1,502,0001,014
Minority interest net income$076
Net income of bank and minority interests.$1,502,0001,016
Net charge-offs$281,0001,106
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$0789
Net operating income$1,502,000960
2012-12-31 (YTD Data)Rank
Total interest income$27,033,000969
Total interest expense$4,248,0001,068
Net interest income$22,785,000960
Provision for loan and lease losses$1,675,0001,226
Total noninterest income$2,647,0001,793
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$961,0001,463
Trading account gains and fees$0166
Additional Noninterest Income$1,686,0001,718
Total noninterest expense$13,564,0001,439
Salaries and employee benefits$7,293,0001,395
Premises and equipment expense$1,511,0001,567
Additional noninterest expense$4,760,0001,424
Pre-tax net operating income$10,193,000701
Securities gains (losses)$03,810
Applicable income taxes$3,140,000586
Income before extraordinary items$7,053,000832
Extraordinary gains, net$-3,0007,057
Net income$7,050,000832
Minority interest net income$093
Net income of bank and minority interests.$7,050,000833
Net charge-offs$1,321,0001,519
Cash dividends$2,227,0001,128
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$7,053,000785
2012-09-30 (YTD Data)Rank
Total interest income$20,286,000987
Total interest expense$3,340,0001,068
Net interest income$16,946,000972
Provision for loan and lease losses$1,285,0001,216
Total noninterest income$2,049,0001,757
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$719,0001,481
Trading account gains and fees$0157
Additional Noninterest Income$1,330,0001,647
Total noninterest expense$9,866,0001,492
Salaries and employee benefits$5,280,0001,444
Premises and equipment expense$1,104,0001,614
Additional noninterest expense$3,482,0001,459
Pre-tax net operating income$7,844,000717
Securities gains (losses)$03,575
Applicable income taxes$2,409,000606
Income before extraordinary items$5,435,000834
Extraordinary gains, net$020
Net income$5,435,000832
Minority interest net income$086
Net income of bank and minority interests.$5,435,000834
Net charge-offs$970,0001,501
Cash dividends$1,089,0001,249
Sale, conversion, retirement of capital stock, net$0952
Net operating income$5,435,000777
2012-06-30 (YTD Data)Rank
Total interest income$13,532,000994
Total interest expense$2,331,0001,053
Net interest income$11,201,000987
Provision for loan and lease losses$820,0001,270
Total noninterest income$1,342,0001,764
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$473,0001,486
Trading account gains and fees$0153
Additional Noninterest Income$869,0001,670
Total noninterest expense$6,629,0001,477
Salaries and employee benefits$3,596,0001,428
Premises and equipment expense$739,0001,616
Additional noninterest expense$2,294,0001,474
Pre-tax net operating income$5,094,000729
Securities gains (losses)$03,178
Applicable income taxes$1,556,000618
Income before extraordinary items$3,538,000853
Extraordinary gains, net$019
Net income$3,538,000851
Minority interest net income$084
Net income of bank and minority interests.$3,538,000853
Net charge-offs$701,0001,449
Cash dividends$1,089,000905
Sale, conversion, retirement of capital stock, net$0928
Net operating income$3,538,000790
2012-03-31 (YTD Data)Rank
Total interest income$6,826,000991
Total interest expense$1,211,0001,051
Net interest income$5,615,000980
Provision for loan and lease losses$390,0001,275
Total noninterest income$606,0001,884
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$230,0001,506
Trading account gains and fees$0148
Additional Noninterest Income$376,0001,836
Total noninterest expense$3,430,0001,429
Salaries and employee benefits$1,854,0001,402
Premises and equipment expense$362,0001,647
Additional noninterest expense$1,214,0001,393
Pre-tax net operating income$2,401,000763
Securities gains (losses)$02,210
Applicable income taxes$720,000648
Income before extraordinary items$1,681,000889
Extraordinary gains, net$019
Net income$1,681,000890
Minority interest net income$078
Net income of bank and minority interests.$1,681,000890
Net charge-offs$343,0001,378
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$1,681,000838
2011-12-31 (YTD Data)Rank
Total interest income$28,171,000985
Total interest expense$6,288,000971
Net interest income$21,883,0001,002
Provision for loan and lease losses$1,700,0001,748
Total noninterest income$2,366,0001,791
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$1,023,0001,452
Trading account gains and fees$0146
Additional Noninterest Income$1,343,0001,763
Total noninterest expense$13,557,0001,431
Salaries and employee benefits$7,049,0001,397
Premises and equipment expense$1,504,0001,651
Additional noninterest expense$5,004,0001,380
Pre-tax net operating income$8,992,000689
Securities gains (losses)$03,838
Applicable income taxes$2,624,000635
Income before extraordinary items$6,368,000777
Extraordinary gains, net$029
Net income$6,368,000775
Minority interest net income$096
Net income of bank and minority interests.$6,368,000777
Net charge-offs$1,373,0002,000
Cash dividends$2,178,000893
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$6,368,000754
2011-09-30 (YTD Data)Rank
Total interest income$21,474,000986
Total interest expense$4,890,000976
Net interest income$16,584,000999
Provision for loan and lease losses$1,165,0001,787
Total noninterest income$1,790,0001,754
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$764,0001,464
Trading account gains and fees$0145
Additional Noninterest Income$1,026,0001,742
Total noninterest expense$10,626,0001,383
Salaries and employee benefits$5,562,0001,337
Premises and equipment expense$1,135,0001,658
Additional noninterest expense$3,929,0001,312
Pre-tax net operating income$6,583,000722
Securities gains (losses)$03,555
Applicable income taxes$1,914,000646
Income before extraordinary items$4,669,000820
Extraordinary gains, net$021
Net income$4,669,000819
Minority interest net income$087
Net income of bank and minority interests.$4,669,000820
Net charge-offs$914,0001,998
Cash dividends$1,089,0001,083
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$4,669,000790
2011-06-30 (YTD Data)Rank
Total interest income$14,284,0001,000
Total interest expense$3,344,000992
Net interest income$10,940,0001,009
Provision for loan and lease losses$766,0001,779
Total noninterest income$1,174,0001,784
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$490,0001,494
Trading account gains and fees$0153
Additional Noninterest Income$684,0001,733
Total noninterest expense$6,930,0001,426
Salaries and employee benefits$3,613,0001,388
Premises and equipment expense$756,0001,673
Additional noninterest expense$2,561,0001,366
Pre-tax net operating income$4,418,000715
Securities gains (losses)$02,914
Applicable income taxes$1,279,000628
Income before extraordinary items$3,139,000800
Extraordinary gains, net$015
Net income$3,139,000799
Minority interest net income$089
Net income of bank and minority interests.$3,139,000800
Net charge-offs$535,0002,077
Cash dividends$1,089,000758
Sale, conversion, retirement of capital stock, net$0986
Net operating income$3,139,000768
2011-03-31 (YTD Data)Rank
Total interest income$7,117,0001,014
Total interest expense$1,701,0001,005
Net interest income$5,416,0001,021
Provision for loan and lease losses$359,0001,762
Total noninterest income$597,0001,755
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$237,0001,509
Trading account gains and fees$0158
Additional Noninterest Income$360,0001,692
Total noninterest expense$3,552,0001,403
Salaries and employee benefits$1,849,0001,371
Premises and equipment expense$380,0001,696
Additional noninterest expense$1,323,0001,326
Pre-tax net operating income$2,102,000748
Securities gains (losses)$01,772
Applicable income taxes$607,000631
Income before extraordinary items$1,495,000826
Extraordinary gains, net$09
Net income$1,495,000824
Minority interest net income$086
Net income of bank and minority interests.$1,495,000826
Net charge-offs$136,0002,450
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$1,495,000813
2010-12-31 (YTD Data)Rank
Total interest income$29,015,0001,060
Total interest expense$7,962,0001,041
Net interest income$21,053,0001,050
Provision for loan and lease losses$1,555,0002,406
Total noninterest income$2,597,0001,713
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,156,0001,306
Trading account gains and fees$0175
Additional Noninterest Income$1,441,0001,740
Total noninterest expense$13,404,0001,476
Salaries and employee benefits$6,803,0001,449
Premises and equipment expense$1,528,0001,683
Additional noninterest expense$5,073,0001,430
Pre-tax net operating income$8,691,000620
Securities gains (losses)$23,0003,038
Applicable income taxes$2,482,000616
Income before extraordinary items$6,232,000718
Extraordinary gains, net$029
Net income$6,232,000717
Minority interest net income$0111
Net income of bank and minority interests.$6,232,000719
Net charge-offs$1,096,0002,559
Cash dividends$2,130,000772
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$6,215,440689
2010-09-30 (YTD Data)Rank
Total interest income$22,054,0001,059
Total interest expense$6,108,0001,057
Net interest income$15,946,0001,041
Provision for loan and lease losses$1,134,0002,342
Total noninterest income$2,014,0001,679
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$884,0001,322
Trading account gains and fees$0165
Additional Noninterest Income$1,130,0001,665
Total noninterest expense$10,199,0001,457
Salaries and employee benefits$5,225,0001,422
Premises and equipment expense$1,155,0001,698
Additional noninterest expense$3,819,0001,392
Pre-tax net operating income$6,627,000643
Securities gains (losses)$18,0002,932
Applicable income taxes$1,876,000621
Income before extraordinary items$4,769,000728
Extraordinary gains, net$023
Net income$4,769,000727
Minority interest net income$0110
Net income of bank and minority interests.$4,769,000728
Net charge-offs$817,0002,434
Cash dividends$1,041,0001,010
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$4,756,040691
2010-06-30 (YTD Data)Rank
Total interest income$14,615,0001,081
Total interest expense$4,130,0001,083
Net interest income$10,485,0001,060
Provision for loan and lease losses$796,0002,193
Total noninterest income$1,524,0001,495
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$581,0001,353
Trading account gains and fees$0152
Additional Noninterest Income$943,0001,348
Total noninterest expense$6,779,0001,455
Salaries and employee benefits$3,433,0001,442
Premises and equipment expense$784,0001,678
Additional noninterest expense$2,562,0001,386
Pre-tax net operating income$4,434,000630
Securities gains (losses)$18,0002,397
Applicable income taxes$1,238,000596
Income before extraordinary items$3,214,000699
Extraordinary gains, net$019
Net income$3,214,000698
Minority interest net income$0105
Net income of bank and minority interests.$3,214,000699
Net charge-offs$677,0002,127
Cash dividends$1,041,000675
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$3,201,040680
2010-03-31 (YTD Data)Rank
Total interest income$7,305,0001,105
Total interest expense$2,110,0001,116
Net interest income$5,195,0001,080
Provision for loan and lease losses$424,0002,008
Total noninterest income$874,0001,365
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$282,0001,389
Trading account gains and fees$0175
Additional Noninterest Income$592,0001,137
Total noninterest expense$3,354,0001,497
Salaries and employee benefits$1,707,0001,469
Premises and equipment expense$400,0001,698
Additional noninterest expense$1,247,0001,423
Pre-tax net operating income$2,291,000596
Securities gains (losses)$02,284
Applicable income taxes$621,000588
Income before extraordinary items$1,670,000671
Extraordinary gains, net$016
Net income$1,670,000673
Minority interest net income$091
Net income of bank and minority interests.$1,670,000675
Net charge-offs$347,0001,891
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$1,670,000649
2009-12-31 (YTD Data)Rank
Total interest income$26,958,0001,286
Total interest expense$9,333,0001,275
Net interest income$17,625,0001,271
Provision for loan and lease losses$1,136,0003,298
Total noninterest income$2,251,0001,957
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$1,150,0001,486
Trading account gains and fees$0211
Additional Noninterest Income$1,101,0002,036
Total noninterest expense$12,586,0001,628
Salaries and employee benefits$6,082,0001,631
Premises and equipment expense$1,321,0002,021
Additional noninterest expense$5,183,0001,443
Pre-tax net operating income$6,154,000702
Securities gains (losses)$03,754
Applicable income taxes$1,593,000672
Income before extraordinary items$4,561,000748
Extraordinary gains, net$034
Net income$4,561,000747
Minority interest net income$0115
Net income of bank and minority interests.$4,561,000748
Net charge-offs$804,0003,175
Cash dividends$9,681,000191
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$4,561,000741
2009-09-30 (YTD Data)Rank
Total interest income$19,593,0001,339
Total interest expense$7,019,0001,341
Net interest income$12,574,0001,328
Provision for loan and lease losses$598,0003,539
Total noninterest income$1,689,0002,001
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$826,0001,542
Trading account gains and fees$0212
Additional Noninterest Income$863,0002,023
Total noninterest expense$8,951,0001,689
Salaries and employee benefits$4,396,0001,715
Premises and equipment expense$907,0002,223
Additional noninterest expense$3,648,0001,484
Pre-tax net operating income$4,714,000721
Securities gains (losses)$03,497
Applicable income taxes$1,426,000629
Income before extraordinary items$3,288,000830
Extraordinary gains, net$027
Net income$3,288,000831
Minority interest net income$0118
Net income of bank and minority interests.$3,288,000831
Net charge-offs$490,0003,074
Cash dividends$8,640,000152
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$3,288,000819
2009-06-30 (YTD Data)Rank
Total interest income$12,709,0001,404
Total interest expense$4,745,0001,399
Net interest income$7,964,0001,397
Provision for loan and lease losses$280,0003,840
Total noninterest income$1,133,0001,996
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$522,0001,587
Trading account gains and fees$0193
Additional Noninterest Income$611,0001,969
Total noninterest expense$5,713,0001,792
Salaries and employee benefits$2,848,0001,790
Premises and equipment expense$599,0002,274
Additional noninterest expense$2,266,0001,613
Pre-tax net operating income$3,104,000752
Securities gains (losses)$03,136
Applicable income taxes$934,000656
Income before extraordinary items$2,170,000873
Extraordinary gains, net$021
Net income$2,170,000873
Minority interest net income$0112
Net income of bank and minority interests.$2,170,000873
Net charge-offs$211,0003,358
Cash dividends$1,040,000857
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$2,170,000845
2009-03-31 (YTD Data)Rank
Total interest income$6,365,0001,417
Total interest expense$2,378,0001,460
Net interest income$3,987,0001,386
Provision for loan and lease losses$168,0003,084
Total noninterest income$549,0001,999
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$250,0001,614
Trading account gains and fees$0171
Additional Noninterest Income$299,0001,960
Total noninterest expense$2,689,0001,854
Salaries and employee benefits$1,448,0001,787
Premises and equipment expense$309,0002,245
Additional noninterest expense$932,0001,737
Pre-tax net operating income$1,679,000756
Securities gains (losses)$02,434
Applicable income taxes$505,000666
Income before extraordinary items$1,174,000905
Extraordinary gains, net$015
Net income$1,174,000905
Minority interest net income$0102
Net income of bank and minority interests.$1,174,000907
Net charge-offs$81,0003,089
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,174,000846
2008-12-31 (YTD Data)Rank
Total interest income$25,892,0001,499
Total interest expense$10,241,0001,586
Net interest income$15,651,0001,428
Provision for loan and lease losses$605,0003,477
Total noninterest income$2,037,0002,114
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$1,186,0001,504
Trading account gains and fees$0154
Additional Noninterest Income$851,0002,370
Total noninterest expense$9,758,0001,977
Salaries and employee benefits$5,163,0001,955
Premises and equipment expense$1,143,0002,345
Additional noninterest expense$3,452,0001,772
Pre-tax net operating income$7,325,000759
Securities gains (losses)$-462,0007,518
Applicable income taxes$1,866,000716
Income before extraordinary items$4,997,000816
Extraordinary gains, net$039
Net income$4,997,000816
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$357,0003,291
Cash dividends$2,546,0001,076
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$5,334,260817
2008-09-30 (YTD Data)Rank
Total interest income$19,836,0001,507
Total interest expense$7,792,0001,618
Net interest income$12,044,0001,405
Provision for loan and lease losses$485,0002,767
Total noninterest income$1,552,0002,160
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$886,0001,523
Trading account gains and fees$0148
Additional Noninterest Income$666,0002,387
Total noninterest expense$7,436,0001,927
Salaries and employee benefits$4,013,0001,925
Premises and equipment expense$802,0002,481
Additional noninterest expense$2,621,0001,696
Pre-tax net operating income$5,675,000898
Securities gains (losses)$-492,0007,776
Applicable income taxes$1,745,000728
Income before extraordinary items$3,438,0001,079
Extraordinary gains, net$031
Net income$3,438,0001,078
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$218,0002,942
Cash dividends$1,001,0001,789
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$3,762,7201,036
2008-06-30 (YTD Data)Rank
Total interest income$13,252,0001,525
Total interest expense$5,285,0001,662
Net interest income$7,967,0001,402
Provision for loan and lease losses$385,0002,216
Total noninterest income$1,051,0002,158
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$575,0001,542
Trading account gains and fees$0149
Additional Noninterest Income$476,0002,324
Total noninterest expense$4,904,0001,952
Salaries and employee benefits$2,663,0001,951
Premises and equipment expense$555,0002,407
Additional noninterest expense$1,686,0001,734
Pre-tax net operating income$3,729,000950
Securities gains (losses)$03,233
Applicable income taxes$1,166,000822
Income before extraordinary items$2,563,0001,078
Extraordinary gains, net$021
Net income$2,563,0001,078
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$128,0002,725
Cash dividends$1,001,0001,382
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$2,563,0001,063
2008-03-31 (YTD Data)Rank
Total interest income$6,675,0001,558
Total interest expense$2,756,0001,700
Net interest income$3,919,0001,416
Provision for loan and lease losses$150,0002,123
Total noninterest income$513,0002,202
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$281,0001,561
Trading account gains and fees$0158
Additional Noninterest Income$232,0002,338
Total noninterest expense$2,436,0001,966
Salaries and employee benefits$1,357,0001,934
Premises and equipment expense$269,0002,503
Additional noninterest expense$810,0001,756
Pre-tax net operating income$1,846,0001,033
Securities gains (losses)$02,688
Applicable income taxes$587,000883
Income before extraordinary items$1,259,0001,197
Extraordinary gains, net$015
Net income$1,259,0001,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$70,0002,134
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$1,259,0001,156
2007-12-31 (YTD Data)Rank
Total interest income$26,111,0001,653
Total interest expense$11,581,0001,728
Net interest income$14,530,0001,561
Provision for loan and lease losses$631,0001,987
Total noninterest income$1,961,0002,244
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$1,210,0001,482
Trading account gains and fees$0178
Additional Noninterest Income$751,0002,651
Total noninterest expense$9,433,0001,965
Salaries and employee benefits$4,998,0002,010
Premises and equipment expense$1,062,0002,439
Additional noninterest expense$3,373,0001,653
Pre-tax net operating income$6,427,0001,310
Securities gains (losses)$02,146
Applicable income taxes$1,813,0001,218
Income before extraordinary items$4,614,0001,400
Extraordinary gains, net$039
Net income$4,614,0001,400
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$338,0002,135
Cash dividends$5,078,000728
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$4,614,0001,387
2007-09-30 (YTD Data)Rank
Total interest income$19,459,0001,665
Total interest expense$8,618,0001,740
Net interest income$10,841,0001,577
Provision for loan and lease losses$470,0001,651
Total noninterest income$1,474,0002,246
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$906,0001,453
Trading account gains and fees$0184
Additional Noninterest Income$568,0002,645
Total noninterest expense$7,124,0001,924
Salaries and employee benefits$3,870,0001,948
Premises and equipment expense$797,0002,421
Additional noninterest expense$2,457,0001,663
Pre-tax net operating income$4,721,0001,435
Securities gains (losses)$01,655
Applicable income taxes$1,416,0001,287
Income before extraordinary items$3,305,0001,528
Extraordinary gains, net$033
Net income$3,305,0001,527
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$222,0001,833
Cash dividends$3,572,000758
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$3,305,0001,523
2007-06-30 (YTD Data)Rank
Total interest income$12,844,0001,693
Total interest expense$5,679,0001,762
Net interest income$7,165,0001,611
Provision for loan and lease losses$277,0001,656
Total noninterest income$993,0002,258
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$591,0001,490
Trading account gains and fees$0168
Additional Noninterest Income$402,0002,568
Total noninterest expense$4,755,0001,945
Salaries and employee benefits$2,589,0001,966
Premises and equipment expense$539,0002,397
Additional noninterest expense$1,627,0001,665
Pre-tax net operating income$3,126,0001,477
Securities gains (losses)$01,444
Applicable income taxes$938,0001,332
Income before extraordinary items$2,188,0001,597
Extraordinary gains, net$029
Net income$2,188,0001,596
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$96,0002,116
Cash dividends$2,573,000724
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$2,188,0001,580
2007-03-31 (YTD Data)Rank
Total interest income$6,321,0001,714
Total interest expense$2,801,0001,772
Net interest income$3,520,0001,635
Provision for loan and lease losses$85,0002,287
Total noninterest income$512,0002,178
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$281,0001,525
Trading account gains and fees$0195
Additional Noninterest Income$231,0002,339
Total noninterest expense$2,436,0001,896
Salaries and employee benefits$1,355,0001,899
Premises and equipment expense$257,0002,518
Additional noninterest expense$824,0001,623
Pre-tax net operating income$1,511,0001,532
Securities gains (losses)$01,187
Applicable income taxes$453,0001,386
Income before extraordinary items$1,058,0001,629
Extraordinary gains, net$022
Net income$1,058,0001,629
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0007,465
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$1,058,0001,616
2006-12-31 (YTD Data)Rank
Total interest income$23,807,0001,694
Total interest expense$9,667,0001,737
Net interest income$14,140,0001,618
Provision for loan and lease losses$605,0001,598
Total noninterest income$1,865,0002,341
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$1,200,0001,490
Trading account gains and fees$0130
Additional Noninterest Income$665,0002,827
Total noninterest expense$8,685,0002,030
Salaries and employee benefits$4,599,0002,126
Premises and equipment expense$972,0002,541
Additional noninterest expense$3,114,0001,693
Pre-tax net operating income$6,715,0001,450
Securities gains (losses)$01,687
Applicable income taxes$1,980,0001,351
Income before extraordinary items$4,735,0001,528
Extraordinary gains, net$051
Net income$4,735,0001,529
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$540,0001,108
Cash dividends$2,953,0001,141
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$4,735,0001,511
2006-09-30 (YTD Data)Rank
Total interest income$17,661,0001,700
Total interest expense$6,991,0001,741
Net interest income$10,670,0001,629
Provision for loan and lease losses$425,0001,613
Total noninterest income$1,419,0002,317
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$893,0001,515
Trading account gains and fees$0126
Additional Noninterest Income$526,0002,775
Total noninterest expense$6,565,0002,014
Salaries and employee benefits$3,552,0002,063
Premises and equipment expense$711,0002,598
Additional noninterest expense$2,302,0001,707
Pre-tax net operating income$5,099,0001,486
Securities gains (losses)$01,388
Applicable income taxes$1,530,0001,376
Income before extraordinary items$3,569,0001,562
Extraordinary gains, net$045
Net income$3,569,0001,563
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$296,0001,157
Cash dividends$973,0001,978
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$3,569,0001,542
2006-06-30 (YTD Data)Rank
Total interest income$11,583,0001,688
Total interest expense$4,488,0001,726
Net interest income$7,095,0001,633
Provision for loan and lease losses$325,0001,371
Total noninterest income$930,0002,336
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$563,0001,570
Trading account gains and fees$0126
Additional Noninterest Income$367,0002,687
Total noninterest expense$4,328,0002,031
Salaries and employee benefits$2,353,0002,078
Premises and equipment expense$466,0002,636
Additional noninterest expense$1,509,0001,746
Pre-tax net operating income$3,372,0001,498
Securities gains (losses)$01,185
Applicable income taxes$1,013,0001,387
Income before extraordinary items$2,359,0001,563
Extraordinary gains, net$039
Net income$2,359,0001,564
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$257,000927
Cash dividends$973,0001,492
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,359,0001,546
2006-03-31 (YTD Data)Rank
Total interest income$5,629,0001,688
Total interest expense$2,160,0001,703
Net interest income$3,469,0001,664
Provision for loan and lease losses$165,0001,317
Total noninterest income$467,0002,287
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$276,0001,545
Trading account gains and fees$0115
Additional Noninterest Income$191,0002,569
Total noninterest expense$2,181,0002,026
Salaries and employee benefits$1,172,0002,099
Premises and equipment expense$219,0002,795
Additional noninterest expense$790,0001,656
Pre-tax net operating income$1,590,0001,541
Securities gains (losses)$0955
Applicable income taxes$478,0001,449
Income before extraordinary items$1,112,0001,617
Extraordinary gains, net$021
Net income$1,112,0001,616
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$228,000562
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,112,0001,597
2005-12-31 (YTD Data)Rank
Total interest income$21,618,0001,551
Total interest expense$7,804,0001,454
Net interest income$13,814,0001,589
Provision for loan and lease losses$720,0001,384
Total noninterest income$1,905,0002,300
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$1,224,0001,434
Trading account gains and fees$0138
Additional Noninterest Income$681,0002,828
Total noninterest expense$8,185,0002,042
Salaries and employee benefits$4,317,0002,136
Premises and equipment expense$909,0002,572
Additional noninterest expense$2,959,0001,707
Pre-tax net operating income$6,814,0001,409
Securities gains (losses)$02,296
Applicable income taxes$2,025,0001,351
Income before extraordinary items$4,789,0001,475
Extraordinary gains, net$046
Net income$4,789,0001,475
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$594,0001,003
Cash dividends$1,973,0001,499
Sale, conversion, retirement of capital stock, net$0934
Net operating income$4,789,0001,458
2005-09-30 (YTD Data)Rank
Total interest income$16,101,0001,511
Total interest expense$5,687,0001,412
Net interest income$10,414,0001,561
Provision for loan and lease losses$540,0001,309
Total noninterest income$1,439,0002,276
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$910,0001,420
Trading account gains and fees$0126
Additional Noninterest Income$529,0002,771
Total noninterest expense$6,169,0002,011
Salaries and employee benefits$3,285,0002,085
Premises and equipment expense$697,0002,518
Additional noninterest expense$2,187,0001,712
Pre-tax net operating income$5,144,0001,399
Securities gains (losses)$02,317
Applicable income taxes$1,553,0001,346
Income before extraordinary items$3,591,0001,487
Extraordinary gains, net$035
Net income$3,591,0001,488
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$409,000998
Cash dividends$960,0001,866
Sale, conversion, retirement of capital stock, net$0769
Net operating income$3,591,0001,460
2005-06-30 (YTD Data)Rank
Total interest income$10,556,0001,495
Total interest expense$3,704,0001,362
Net interest income$6,852,0001,565
Provision for loan and lease losses$360,0001,295
Total noninterest income$965,0002,238
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$580,0001,459
Trading account gains and fees$0116
Additional Noninterest Income$385,0002,611
Total noninterest expense$4,130,0001,991
Salaries and employee benefits$2,216,0002,042
Premises and equipment expense$461,0002,518
Additional noninterest expense$1,453,0001,699
Pre-tax net operating income$3,327,0001,407
Securities gains (losses)$02,146
Applicable income taxes$1,005,0001,374
Income before extraordinary items$2,322,0001,489
Extraordinary gains, net$030
Net income$2,322,0001,488
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$254,0001,024
Cash dividends$960,0001,369
Sale, conversion, retirement of capital stock, net$0643
Net operating income$2,322,0001,462
2005-03-31 (YTD Data)Rank
Total interest income$5,146,0001,506
Total interest expense$1,811,0001,322
Net interest income$3,335,0001,604
Provision for loan and lease losses$180,0001,214
Total noninterest income$508,0002,117
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$275,0001,485
Trading account gains and fees$0115
Additional Noninterest Income$233,0002,259
Total noninterest expense$2,097,0001,974
Salaries and employee benefits$1,136,0002,013
Premises and equipment expense$228,0002,551
Additional noninterest expense$733,0001,679
Pre-tax net operating income$1,566,0001,456
Securities gains (losses)$01,685
Applicable income taxes$471,0001,417
Income before extraordinary items$1,095,0001,533
Extraordinary gains, net$024
Net income$1,095,0001,535
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$140,000886
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$1,095,0001,510
2004-12-31 (YTD Data)Rank
Total interest income$20,235,0001,414
Total interest expense$6,972,0001,167
Net interest income$13,263,0001,530
Provision for loan and lease losses$676,0001,495
Total noninterest income$1,768,0002,395
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$1,174,0001,502
Trading account gains and fees$0138
Additional Noninterest Income$594,0003,004
Total noninterest expense$7,890,0002,028
Salaries and employee benefits$3,980,0002,183
Premises and equipment expense$945,0002,414
Additional noninterest expense$2,965,0001,641
Pre-tax net operating income$6,465,0001,341
Securities gains (losses)$03,819
Applicable income taxes$1,918,0001,316
Income before extraordinary items$4,547,0001,418
Extraordinary gains, net$034
Net income$4,547,0001,419
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$590,0001,171
Cash dividends$907,0002,501
Sale, conversion, retirement of capital stock, net$0872
Net operating income$4,547,0001,380
2004-09-30 (YTD Data)Rank
Total interest income$15,185,0001,393
Total interest expense$5,116,0001,165
Net interest income$10,069,0001,497
Provision for loan and lease losses$494,0001,473
Total noninterest income$1,335,0002,396
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$897,0001,479
Trading account gains and fees$0134
Additional Noninterest Income$438,0003,033
Total noninterest expense$5,964,0002,003
Salaries and employee benefits$3,028,0002,151
Premises and equipment expense$714,0002,383
Additional noninterest expense$2,222,0001,620
Pre-tax net operating income$4,946,0001,325
Securities gains (losses)$03,710
Applicable income taxes$1,531,0001,261
Income before extraordinary items$3,415,0001,445
Extraordinary gains, net$026
Net income$3,415,0001,446
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$409,0001,140
Cash dividends$907,0001,833
Sale, conversion, retirement of capital stock, net$0738
Net operating income$3,415,0001,400
2004-06-30 (YTD Data)Rank
Total interest income$10,050,0001,386
Total interest expense$3,344,0001,178
Net interest income$6,706,0001,489
Provision for loan and lease losses$334,0001,416
Total noninterest income$882,0002,417
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$590,0001,488
Trading account gains and fees$0130
Additional Noninterest Income$292,0003,038
Total noninterest expense$3,995,0001,996
Salaries and employee benefits$2,048,0002,131
Premises and equipment expense$492,0002,326
Additional noninterest expense$1,455,0001,655
Pre-tax net operating income$3,259,0001,312
Securities gains (losses)$03,413
Applicable income taxes$1,033,0001,251
Income before extraordinary items$2,226,0001,449
Extraordinary gains, net$021
Net income$2,226,0001,450
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$274,0001,105
Cash dividends$907,0001,390
Sale, conversion, retirement of capital stock, net$0638
Net operating income$2,226,0001,397
2004-03-31 (YTD Data)Rank
Total interest income$5,034,0001,382
Total interest expense$1,683,0001,184
Net interest income$3,351,0001,483
Provision for loan and lease losses$153,0001,395
Total noninterest income$427,0002,428
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$287,0001,495
Trading account gains and fees$0121
Additional Noninterest Income$140,0003,060
Total noninterest expense$1,993,0002,014
Salaries and employee benefits$1,018,0002,153
Premises and equipment expense$248,0002,331
Additional noninterest expense$727,0001,635
Pre-tax net operating income$1,632,0001,296
Securities gains (losses)$02,934
Applicable income taxes$518,0001,265
Income before extraordinary items$1,114,0001,436
Extraordinary gains, net$016
Net income$1,114,0001,436
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$85,0001,458
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$1,114,0001,362
2003-12-31 (YTD Data)Rank
Total interest income$20,005,0001,437
Total interest expense$7,124,0001,240
Net interest income$12,881,0001,511
Provision for loan and lease losses$2,907,000494
Total noninterest income$1,507,0002,835
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$1,179,0001,458
Trading account gains and fees$0160
Additional Noninterest Income$328,0004,323
Total noninterest expense$6,900,0002,282
Salaries and employee benefits$3,195,0002,629
Premises and equipment expense$1,114,0002,045
Additional noninterest expense$2,591,0001,863
Pre-tax net operating income$4,581,0001,760
Securities gains (losses)$04,500
Applicable income taxes$1,276,0001,848
Income before extraordinary items$3,305,0001,871
Extraordinary gains, net$054
Net income$3,305,0001,873
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,580,000455
Cash dividends$1,902,0001,435
Sale, conversion, retirement of capital stock, net$0868
Net operating income$3,305,0001,791
2003-09-30 (YTD Data)Rank
Total interest income$15,457,0001,416
Total interest expense$5,337,0001,297
Net interest income$10,120,0001,452
Provision for loan and lease losses$2,452,000450
Total noninterest income$1,126,0002,910
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$882,0001,487
Trading account gains and fees$0153
Additional Noninterest Income$244,0004,427
Total noninterest expense$5,545,0002,139
Salaries and employee benefits$2,778,0002,288
Premises and equipment expense$854,0002,010
Additional noninterest expense$1,913,0001,877
Pre-tax net operating income$3,249,0001,914
Securities gains (losses)$04,204
Applicable income taxes$901,0002,017
Income before extraordinary items$2,348,0002,033
Extraordinary gains, net$040
Net income$2,348,0002,032
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,183,000411
Cash dividends$960,0001,806
Sale, conversion, retirement of capital stock, net$0722
Net operating income$2,348,0001,929
2003-06-30 (YTD Data)Rank
Total interest income$10,284,0001,431
Total interest expense$3,569,0001,347
Net interest income$6,715,0001,457
Provision for loan and lease losses$666,000907
Total noninterest income$741,0002,901
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$570,0001,503
Trading account gains and fees$0150
Additional Noninterest Income$171,0004,325
Total noninterest expense$3,880,0002,029
Salaries and employee benefits$2,031,0002,089
Premises and equipment expense$569,0002,013
Additional noninterest expense$1,280,0001,875
Pre-tax net operating income$2,910,0001,455
Securities gains (losses)$03,782
Applicable income taxes$926,0001,455
Income before extraordinary items$1,984,0001,633
Extraordinary gains, net$030
Net income$1,984,0001,633
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$477,000872
Cash dividends$960,0001,354
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,984,0001,524
2003-03-31 (YTD Data)Rank
Total interest income$5,020,0001,478
Total interest expense$1,758,0001,400
Net interest income$3,262,0001,486
Provision for loan and lease losses$404,000715
Total noninterest income$371,0002,803
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$274,0001,516
Trading account gains and fees$0134
Additional Noninterest Income$97,0003,987
Total noninterest expense$1,957,0002,004
Salaries and employee benefits$1,016,0002,076
Premises and equipment expense$289,0001,962
Additional noninterest expense$652,0001,803
Pre-tax net operating income$1,272,0001,648
Securities gains (losses)$02,891
Applicable income taxes$396,0001,637
Income before extraordinary items$876,0001,805
Extraordinary gains, net$021
Net income$876,0001,804
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$194,000969
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$876,0001,695
2002-12-31 (YTD Data)Rank
Total interest income$20,600,0001,494
Total interest expense$7,893,0001,426
Net interest income$12,707,0001,523
Provision for loan and lease losses$436,0002,651
Total noninterest income$1,509,0002,607
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$1,157,0001,404
Trading account gains and fees$0153
Additional Noninterest Income$352,0003,931
Total noninterest expense$7,088,0002,120
Salaries and employee benefits$3,505,0002,289
Premises and equipment expense$1,028,0002,126
Additional noninterest expense$2,555,0001,819
Pre-tax net operating income$6,692,0001,259
Securities gains (losses)$04,537
Applicable income taxes$2,084,0001,243
Income before extraordinary items$4,608,0001,354
Extraordinary gains, net$070
Net income$4,608,0001,353
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$291,0002,421
Cash dividends$1,800,0001,431
Sale, conversion, retirement of capital stock, net$0862
Net operating income$4,608,0001,305
2001-12-31 (YTD Data)Rank
Total interest income$22,116,0001,535
Total interest expense$10,793,0001,505
Net interest income$11,323,0001,575
Provision for loan and lease losses$177,0004,440
Total noninterest income$1,472,0002,541
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$1,135,0001,318
Trading account gains and fees$0177
Additional Noninterest Income$337,0003,881
Total noninterest expense$6,548,0002,201
Salaries and employee benefits$3,334,0002,249
Premises and equipment expense$991,0002,150
Additional noninterest expense$2,223,0002,023
Pre-tax net operating income$6,070,0001,234
Securities gains (losses)$04,612
Applicable income taxes$1,862,0001,252
Income before extraordinary items$4,208,0001,295
Extraordinary gains, net$0105
Net income$4,208,0001,294
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$128,0003,638
Cash dividends$1,560,0001,608
Sale, conversion, retirement of capital stock, net$0922
Net operating income$4,208,0001,245
2000-12-31 (YTD Data)Rank
Total interest income$21,299,0001,618
Total interest expense$10,395,0001,655
Net interest income$10,904,0001,605
Provision for loan and lease losses$177,0004,055
Total noninterest income$1,265,0002,656
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$983,0001,384
Trading account gains and fees$0180
Additional Noninterest Income$282,0004,056
Total noninterest expense$6,126,0002,235
Salaries and employee benefits$3,283,0002,179
Premises and equipment expense$843,0002,454
Additional noninterest expense$2,000,0002,155
Pre-tax net operating income$5,866,0001,264
Securities gains (losses)$01,956
Applicable income taxes$1,873,0001,239
Income before extraordinary items$3,993,0001,321
Extraordinary gains, net$038
Net income$3,993,0001,322
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$171,0002,650
Cash dividends$1,350,0001,782
Sale, conversion, retirement of capital stock, net$0969
Net operating income$3,993,0001,308
1999-12-31 (YTD Data)Rank
Total interest income$18,107,0001,795
Total interest expense$8,089,0001,841
Net interest income$10,018,0001,736
Provision for loan and lease losses$130,0004,573
Total noninterest income$1,124,0002,832
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$877,0001,499
Trading account gains and fees$0173
Additional Noninterest Income$247,0004,467
Total noninterest expense$5,744,0002,363
Salaries and employee benefits$3,081,0002,276
Premises and equipment expense$768,0002,640
Additional noninterest expense$1,895,0002,310
Pre-tax net operating income$5,268,0001,441
Securities gains (losses)$3,0002,393
Applicable income taxes$1,678,0001,439
Income before extraordinary items$3,593,0001,495
Extraordinary gains, net$035
Net income$3,593,0001,496
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$136,0003,017
Cash dividends$1,250,0001,912
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$3,590,9601,471
1998-12-31 (YTD Data)Rank
Total interest income$16,652,0001,939
Total interest expense$7,530,0002,026
Net interest income$9,122,0001,879
Provision for loan and lease losses$315,0002,500
Total noninterest income$1,019,0003,027
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$764,0001,661
Trading account gains and fees$0224
Additional Noninterest Income$255,0004,381
Total noninterest expense$4,995,0002,616
Salaries and employee benefits$2,792,0002,420
Premises and equipment expense$519,0003,576
Additional noninterest expense$1,684,0002,476
Pre-tax net operating income$4,831,0001,530
Securities gains (losses)$04,449
Applicable income taxes$1,518,0001,606
Income before extraordinary items$3,313,0001,588
Extraordinary gains, net$032
Net income$3,313,0001,588
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$135,0003,111
Cash dividends$2,150,0001,257
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$3,313,0001,530
1997-12-31 (YTD Data)Rank
Total interest income$15,729,0002,074
Total interest expense$7,136,0002,116
Net interest income$8,593,0002,028
Provision for loan and lease losses$241,0003,012
Total noninterest income$951,0003,171
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$750,0001,730
Trading account gains and fees$0239
Additional Noninterest Income$201,0004,944
Total noninterest expense$4,607,0002,763
Salaries and employee benefits$2,534,0002,605
Premises and equipment expense$473,0003,888
Additional noninterest expense$1,600,0002,566
Pre-tax net operating income$4,696,0001,642
Securities gains (losses)$-2,0009,246
Applicable income taxes$1,457,0001,751
Income before extraordinary items$3,237,0001,669
Extraordinary gains, net$044
Net income$3,237,0001,670
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$98,0003,872
Cash dividends$1,200,0001,883
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$3,238,3801,630
1996-12-31 (YTD Data)Rank
Total interest income$14,097,0002,365
Total interest expense$6,325,0002,439
Net interest income$7,772,0002,320
Provision for loan and lease losses$190,0003,537
Total noninterest income$887,0003,430
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$721,0001,881
Trading account gains and fees$0262
Additional Noninterest Income$166,0005,678
Total noninterest expense$4,222,0003,178
Salaries and employee benefits$2,334,0002,863
Premises and equipment expense$488,0003,850
Additional noninterest expense$1,400,0003,308
Pre-tax net operating income$4,247,0001,696
Securities gains (losses)$-18,00010,586
Applicable income taxes$1,342,0001,784
Income before extraordinary items$2,887,0001,720
Extraordinary gains, net$053
Net income$2,887,0001,721
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$71,0004,609
Cash dividends$750,0002,610
Sale, conversion, retirement of capital stock, net$120,000646
Net operating income$2,899,2401,682
1995-12-31 (YTD Data)Rank
Total interest income$13,009,0002,566
Total interest expense$5,948,0002,581
Net interest income$7,061,0002,541
Provision for loan and lease losses$100,0004,579
Total noninterest income$766,0003,809
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$584,0002,319
Trading account gains and fees$0522
Additional Noninterest Income$182,0005,396
Total noninterest expense$4,368,0003,072
Salaries and employee benefits$2,106,0003,145
Premises and equipment expense$530,0003,577
Additional noninterest expense$1,732,0002,704
Pre-tax net operating income$3,359,0002,189
Securities gains (losses)$15,0002,090
Applicable income taxes$1,023,0002,332
Income before extraordinary items$2,351,0002,161
Extraordinary gains, net$065
Net income$2,351,0002,159
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0004,742
Cash dividends$550,0003,104
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,340,5002,126
1994-12-31 (YTD Data)Rank
Total interest income$11,264,0002,700
Total interest expense$4,546,0002,692
Net interest income$6,718,0002,702
Provision for loan and lease losses$708,0001,191
Total noninterest income$685,0004,193
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$531,0002,566
Trading account gains and fees$0475
Additional Noninterest Income$154,0006,138
Total noninterest expense$3,988,0003,437
Salaries and employee benefits$1,734,0003,762
Premises and equipment expense$489,0003,874
Additional noninterest expense$1,765,0002,876
Pre-tax net operating income$2,707,0002,618
Securities gains (losses)$-32,00010,707
Applicable income taxes$812,0002,731
Income before extraordinary items$1,863,0002,607
Extraordinary gains, net$0249
Net income$1,863,0002,606
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$451,0001,466
Cash dividends$210,0005,320
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,885,4002,596
1993-12-31 (YTD Data)Rank
Total interest income$10,998,0002,819
Total interest expense$4,700,0002,740
Net interest income$6,298,0002,886
Provision for loan and lease losses$1,145,0001,187
Total noninterest income$673,0004,561
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$516,0002,697
Trading account gains and fees$0532
Additional Noninterest Income$157,0006,409
Total noninterest expense$3,835,0003,621
Salaries and employee benefits$1,744,0003,731
Premises and equipment expense$400,0004,714
Additional noninterest expense$1,691,0003,155
Pre-tax net operating income$1,991,0003,329
Securities gains (losses)$-5,00012,580
Applicable income taxes$560,0003,797
Income before extraordinary items$1,426,0003,393
Extraordinary gains, net$03,149
Net income$1,426,0003,502
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,084,0001,095
Cash dividends$190,0005,586
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,429,6003,208
1992-12-31 (YTD Data)Rank
Total interest income$11,188,0003,131
Total interest expense$5,524,0003,010
Net interest income$5,664,0003,233
Provision for loan and lease losses$644,0002,512
Total noninterest income$487,0005,749
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$336,0004,066
Trading account gains and fees$0504
Additional Noninterest Income$151,0006,621
Total noninterest expense$3,470,0003,961
Salaries and employee benefits$1,544,0004,120
Premises and equipment expense$349,0005,384
Additional noninterest expense$1,577,0003,445
Pre-tax net operating income$2,037,0003,054
Securities gains (losses)$154,0002,386
Applicable income taxes$648,0003,215
Income before extraordinary items$1,543,0003,002
Extraordinary gains, net$01,422
Net income$1,543,0003,034
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$503,0002,455
Cash dividends$170,0005,484
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,435,2002,968

* 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.