The Waggoner National Bank of Vernon, Income and Expense

2025-03-31 (YTD Data)Rank
Total interest income$3,954,0002,433
Total interest expense$1,458,0002,269
Net interest income$2,496,0002,496
Provision for loan and lease losses$-8,0004,204
Total noninterest income$858,0001,429
Gross Fiduciary activities income$332,000521
Service charges on deposit accounts$203,0001,164
Trading account gains and feesNANA
Additional Noninterest Income$323,0001,905
Total noninterest expense$1,880,0002,535
Salaries and employee benefits$1,115,0002,450
Premises and equipment expense$133,0002,893
Additional noninterest expense$323,0001,905
Pre-tax net operating income$1,482,0001,769
Securities gains (losses)$-2,0003,863
Applicable income taxes$03,151
Income before extraordinary items$1,480,0001,591
Extraordinary gains, net$047
Net income$1,480,0001,608
Minority interest net income$065
Net income of bank and minority interests.$1,480,0001,591
Net charge-offs$-2,0003,609
Cash dividends$905,000990
Sale, conversion, retirement of capital stock, net$0467
Net operating income$1,482,0001,603
2024-12-31 (YTD Data)Rank
Total interest income$16,734,0002,336
Total interest expense$6,189,0002,240
Net interest income$10,545,0002,334
Provision for loan and lease losses$1,0003,256
Total noninterest income$3,326,0001,493
Gross Fiduciary activities income$1,124,000527
Service charges on deposit accounts$840,0001,174
Trading account gains and feesNANA
Additional Noninterest Income$1,362,0001,935
Total noninterest expense$7,075,0002,604
Salaries and employee benefits$4,327,0002,452
Premises and equipment expense$582,0002,760
Additional noninterest expense$1,362,0001,935
Pre-tax net operating income$6,795,0001,515
Securities gains (losses)$-15,0003,656
Applicable income taxes$03,278
Income before extraordinary items$6,780,0001,384
Extraordinary gains, net$053
Net income$6,780,0001,398
Minority interest net income$090
Net income of bank and minority interests.$6,780,0001,385
Net charge-offs$133,0001,590
Cash dividends$6,654,000697
Sale, conversion, retirement of capital stock, net$0564
Net operating income$6,795,0001,387
2024-09-30 (YTD Data)Rank
Total interest income$12,645,0002,309
Total interest expense$4,744,0002,200
Net interest income$7,901,0002,322
Provision for loan and lease losses$19,0002,860
Total noninterest income$2,524,0001,485
Gross Fiduciary activities income$849,000533
Service charges on deposit accounts$616,0001,178
Trading account gains and feesNANA
Additional Noninterest Income$1,059,0001,901
Total noninterest expense$5,392,0002,547
Salaries and employee benefits$3,268,0002,424
Premises and equipment expense$439,0002,745
Additional noninterest expense$1,059,0001,901
Pre-tax net operating income$5,014,0001,518
Securities gains (losses)$0930
Applicable income taxes$03,278
Income before extraordinary items$5,014,0001,366
Extraordinary gains, net$051
Net income$5,014,0001,383
Minority interest net income$082
Net income of bank and minority interests.$5,014,0001,369
Net charge-offs$134,0001,237
Cash dividends$2,577,0001,004
Sale, conversion, retirement of capital stock, net$0527
Net operating income$5,014,0001,373
2024-06-30 (YTD Data)Rank
Total interest income$8,446,0002,275
Total interest expense$3,217,0002,149
Net interest income$5,229,0002,312
Provision for loan and lease losses$02,935
Total noninterest income$1,574,0001,529
Gross Fiduciary activities income$478,000557
Service charges on deposit accounts$389,0001,208
Trading account gains and feesNANA
Additional Noninterest Income$707,0001,871
Total noninterest expense$3,629,0002,518
Salaries and employee benefits$2,238,0002,391
Premises and equipment expense$286,0002,776
Additional noninterest expense$707,0001,871
Pre-tax net operating income$3,174,0001,554
Securities gains (losses)$-1,0003,490
Applicable income taxes$03,283
Income before extraordinary items$3,173,0001,397
Extraordinary gains, net$052
Net income$3,173,0001,417
Minority interest net income$084
Net income of bank and minority interests.$3,173,0001,399
Net charge-offs$108,0001,052
Cash dividends$1,521,0001,093
Sale, conversion, retirement of capital stock, net$0496
Net operating income$3,174,0001,401
2024-03-31 (YTD Data)Rank
Total interest income$4,243,0002,242
Total interest expense$1,714,0002,033
Net interest income$2,529,0002,366
Provision for loan and lease losses$02,578
Total noninterest income$803,0001,492
Gross Fiduciary activities income$265,000510
Service charges on deposit accounts$189,0001,229
Trading account gains and feesNANA
Additional Noninterest Income$349,0001,841
Total noninterest expense$1,873,0002,460
Salaries and employee benefits$1,164,0002,340
Premises and equipment expense$145,0002,755
Additional noninterest expense$349,0001,841
Pre-tax net operating income$1,459,0001,597
Securities gains (losses)$-1,0003,860
Applicable income taxes$03,183
Income before extraordinary items$1,458,0001,444
Extraordinary gains, net$051
Net income$1,458,0001,457
Minority interest net income$072
Net income of bank and minority interests.$1,458,0001,443
Net charge-offs$100,000715
Cash dividends$864,000914
Sale, conversion, retirement of capital stock, net$0434
Net operating income$1,459,0001,444
2023-12-31 (YTD Data)Rank
Total interest income$18,208,0002,014
Total interest expense$6,146,0001,797
Net interest income$12,062,0002,105
Provision for loan and lease losses$250,0001,809
Total noninterest income$3,874,0001,389
Gross Fiduciary activities income$1,004,000507
Service charges on deposit accounts$761,0001,239
Trading account gains and feesNANA
Additional Noninterest Income$2,109,0001,572
Total noninterest expense$7,281,0002,497
Salaries and employee benefits$4,322,0002,412
Premises and equipment expense$574,0002,779
Additional noninterest expense$2,109,0001,572
Pre-tax net operating income$8,405,0001,345
Securities gains (losses)$-79,0003,751
Applicable income taxes$03,369
Income before extraordinary items$8,326,0001,175
Extraordinary gains, net$054
Net income$8,326,0001,190
Minority interest net income$088
Net income of bank and minority interests.$8,326,0001,178
Net charge-offs$46,0001,843
Cash dividends$6,512,000653
Sale, conversion, retirement of capital stock, net$0540
Net operating income$8,405,0001,186
2023-09-30 (YTD Data)Rank
Total interest income$13,511,0002,000
Total interest expense$4,385,0001,730
Net interest income$9,126,0002,109
Provision for loan and lease losses$03,085
Total noninterest income$2,914,0001,381
Gross Fiduciary activities income$754,000500
Service charges on deposit accounts$561,0001,259
Trading account gains and feesNANA
Additional Noninterest Income$1,599,0001,555
Total noninterest expense$5,305,0002,530
Salaries and employee benefits$3,194,0002,426
Premises and equipment expense$425,0002,798
Additional noninterest expense$1,599,0001,555
Pre-tax net operating income$6,735,0001,328
Securities gains (losses)$-79,0003,944
Applicable income taxes$03,407
Income before extraordinary items$6,656,0001,158
Extraordinary gains, net$052
Net income$6,656,0001,165
Minority interest net income$081
Net income of bank and minority interests.$6,656,0001,158
Net charge-offs$20,0001,896
Cash dividends$2,619,000972
Sale, conversion, retirement of capital stock, net$0507
Net operating income$6,735,0001,165
2023-06-30 (YTD Data)Rank
Total interest income$8,898,0001,986
Total interest expense$2,690,0001,680
Net interest income$6,208,0002,101
Provision for loan and lease losses$02,940
Total noninterest income$1,451,0001,588
Gross Fiduciary activities income$482,000504
Service charges on deposit accounts$366,0001,259
Trading account gains and feesNANA
Additional Noninterest Income$603,0002,004
Total noninterest expense$3,581,0002,493
Salaries and employee benefits$2,199,0002,377
Premises and equipment expense$275,0002,819
Additional noninterest expense$603,0002,001
Pre-tax net operating income$4,078,0001,416
Securities gains (losses)$-79,0004,179
Applicable income taxes$03,436
Income before extraordinary items$3,999,0001,249
Extraordinary gains, net$051
Net income$3,999,0001,260
Minority interest net income$081
Net income of bank and minority interests.$3,999,0001,249
Net charge-offs$19,0001,563
Cash dividends$1,468,0001,116
Sale, conversion, retirement of capital stock, net$0486
Net operating income$4,078,0001,246
2023-03-31 (YTD Data)Rank
Total interest income$4,327,0002,002
Total interest expense$1,138,0001,686
Net interest income$3,189,0002,077
Provision for loan and lease losses$02,612
Total noninterest income$754,0001,545
Gross Fiduciary activities income$256,000505
Service charges on deposit accounts$187,0001,244
Trading account gains and feesNANA
Additional Noninterest Income$311,0001,967
Total noninterest expense$1,784,0002,532
Salaries and employee benefits$1,098,0002,413
Premises and equipment expense$137,0002,884
Additional noninterest expense$311,0001,967
Pre-tax net operating income$2,159,0001,385
Securities gains (losses)$-80,0004,331
Applicable income taxes$03,388
Income before extraordinary items$2,079,0001,242
Extraordinary gains, net$04
Net income$2,079,0001,242
Minority interest net income$048
Net income of bank and minority interests.$2,079,0001,242
Net charge-offs$3,0001,707
Cash dividends$812,000942
Sale, conversion, retirement of capital stock, net$0430
Net operating income$2,159,0001,228
2022-12-31 (YTD Data)Rank
Total interest income$13,893,0002,068
Total interest expense$1,456,0001,943
Net interest income$12,437,0002,051
Provision for loan and lease losses$500,0001,219
Total noninterest income$3,596,0001,454
Gross Fiduciary activities income$1,013,000509
Service charges on deposit accounts$839,0001,161
Trading account gains and feesNANA
Additional Noninterest Income$1,744,0001,760
Total noninterest expense$7,104,0002,494
Salaries and employee benefits$4,299,0002,381
Premises and equipment expense$565,0002,820
Additional noninterest expense$1,744,0001,760
Pre-tax net operating income$8,429,0001,435
Securities gains (losses)$-263,0004,173
Applicable income taxes$03,596
Income before extraordinary items$8,166,0001,289
Extraordinary gains, net$05
Net income$8,166,0001,289
Minority interest net income$063
Net income of bank and minority interests.$8,166,0001,289
Net charge-offs$51,0001,524
Cash dividends$5,692,000709
Sale, conversion, retirement of capital stock, net$0568
Net operating income$8,429,0001,270
2022-09-30 (YTD Data)Rank
Total interest income$9,676,0002,112
Total interest expense$709,0002,180
Net interest income$8,967,0002,086
Provision for loan and lease losses$200,0001,467
Total noninterest income$2,755,0001,454
Gross Fiduciary activities income$773,000510
Service charges on deposit accounts$620,0001,187
Trading account gains and feesNANA
Additional Noninterest Income$1,362,0001,735
Total noninterest expense$5,233,0002,508
Salaries and employee benefits$3,174,0002,405
Premises and equipment expense$425,0002,809
Additional noninterest expense$1,362,0001,735
Pre-tax net operating income$6,289,0001,434
Securities gains (losses)$47,000246
Applicable income taxes$03,603
Income before extraordinary items$6,336,0001,232
Extraordinary gains, net$04
Net income$6,336,0001,231
Minority interest net income$057
Net income of bank and minority interests.$6,336,0001,232
Net charge-offs$12,0001,769
Cash dividends$3,108,000824
Sale, conversion, retirement of capital stock, net$0519
Net operating income$6,289,0001,267
2022-06-30 (YTD Data)Rank
Total interest income$5,987,0002,179
Total interest expense$366,0002,400
Net interest income$5,621,0002,153
Provision for loan and lease losses$25,0002,200
Total noninterest income$1,980,0001,391
Gross Fiduciary activities income$516,000472
Service charges on deposit accounts$387,0001,225
Trading account gains and feesNANA
Additional Noninterest Income$1,077,0001,600
Total noninterest expense$3,390,0002,544
Salaries and employee benefits$2,062,0002,447
Premises and equipment expense$268,0002,912
Additional noninterest expense$1,060,0002,520
Pre-tax net operating income$4,186,0001,364
Securities gains (losses)$89,000156
Applicable income taxes$03,564
Income before extraordinary items$4,275,0001,178
Extraordinary gains, net$04
Net income$4,275,0001,176
Minority interest net income$060
Net income of bank and minority interests.$4,275,0001,178
Net charge-offs$-1,0002,999
Cash dividends$1,467,0001,071
Sale, conversion, retirement of capital stock, net$0494
Net operating income$4,186,0001,217
2022-03-31 (YTD Data)Rank
Total interest income$2,785,0002,233
Total interest expense$160,0002,544
Net interest income$2,625,0002,202
Provision for loan and lease losses$02,285
Total noninterest income$875,0001,495
Gross Fiduciary activities income$263,000473
Service charges on deposit accounts$190,0001,223
Trading account gains and feesNANA
Additional Noninterest Income$422,0001,863
Total noninterest expense$1,686,0002,554
Salaries and employee benefits$1,024,0002,469
Premises and equipment expense$127,0003,001
Additional noninterest expense$535,0002,474
Pre-tax net operating income$1,814,0001,440
Securities gains (losses)$89,000148
Applicable income taxes$03,450
Income before extraordinary items$1,903,0001,240
Extraordinary gains, net$04
Net income$1,903,0001,240
Minority interest net income$050
Net income of bank and minority interests.$1,903,0001,240
Net charge-offs$9,0001,211
Cash dividends$800,000877
Sale, conversion, retirement of capital stock, net$0453
Net operating income$1,814,0001,299
2021-12-31 (YTD Data)Rank
Total interest income$11,050,0002,316
Total interest expense$941,0002,299
Net interest income$10,109,0002,316
Provision for loan and lease losses$250,0001,548
Total noninterest income$4,040,0001,505
Gross Fiduciary activities income$928,000490
Service charges on deposit accounts$698,0001,253
Trading account gains and feesNANA
Additional Noninterest Income$2,414,0001,720
Total noninterest expense$6,705,0002,559
Salaries and employee benefits$4,005,0002,493
Premises and equipment expense$561,0002,845
Additional noninterest expense$2,139,0002,468
Pre-tax net operating income$7,194,0001,604
Securities gains (losses)$996,000222
Applicable income taxes$03,710
Income before extraordinary items$8,190,0001,323
Extraordinary gains, net$010
Net income$8,190,0001,323
Minority interest net income$074
Net income of bank and minority interests.$8,190,0001,323
Net charge-offs$19,0002,086
Cash dividends$6,482,000645
Sale, conversion, retirement of capital stock, net$0582
Net operating income$7,194,0001,445
2021-09-30 (YTD Data)Rank
Total interest income$8,269,0002,378
Total interest expense$782,0002,246
Net interest income$7,487,0002,375
Provision for loan and lease losses$250,0001,285
Total noninterest income$3,319,0001,457
Gross Fiduciary activities income$696,000484
Service charges on deposit accounts$500,0001,292
Trading account gains and feesNANA
Additional Noninterest Income$2,123,0001,606
Total noninterest expense$4,841,0002,631
Salaries and employee benefits$2,940,0002,543
Premises and equipment expense$416,0002,879
Additional noninterest expense$1,485,0002,617
Pre-tax net operating income$5,715,0001,605
Securities gains (losses)$985,000197
Applicable income taxes$03,719
Income before extraordinary items$6,700,0001,292
Extraordinary gains, net$08
Net income$6,700,0001,292
Minority interest net income$069
Net income of bank and minority interests.$6,700,0001,292
Net charge-offs$6,0002,115
Cash dividends$2,331,0001,046
Sale, conversion, retirement of capital stock, net$0543
Net operating income$5,715,0001,437
2021-06-30 (YTD Data)Rank
Total interest income$5,513,0002,363
Total interest expense$552,0002,216
Net interest income$4,961,0002,366
Provision for loan and lease losses$02,862
Total noninterest income$2,528,0001,324
Gross Fiduciary activities income$455,000490
Service charges on deposit accounts$310,0001,325
Trading account gains and feesNANA
Additional Noninterest Income$1,763,0001,393
Total noninterest expense$3,240,0002,609
Salaries and employee benefits$1,980,0002,526
Premises and equipment expense$277,0002,888
Additional noninterest expense$983,0002,611
Pre-tax net operating income$4,249,0001,469
Securities gains (losses)$502,000269
Applicable income taxes$03,702
Income before extraordinary items$4,751,0001,228
Extraordinary gains, net$06
Net income$4,751,0001,229
Minority interest net income$067
Net income of bank and minority interests.$4,751,0001,229
Net charge-offs$-3,0003,379
Cash dividends$1,431,0001,094
Sale, conversion, retirement of capital stock, net$0517
Net operating income$4,249,0001,304
2021-03-31 (YTD Data)Rank
Total interest income$2,734,0002,372
Total interest expense$289,0002,231
Net interest income$2,445,0002,377
Provision for loan and lease losses$02,741
Total noninterest income$1,314,0001,282
Gross Fiduciary activities income$224,000491
Service charges on deposit accounts$152,0001,340
Trading account gains and feesNANA
Additional Noninterest Income$938,0001,327
Total noninterest expense$1,618,0002,602
Salaries and employee benefits$988,0002,505
Premises and equipment expense$138,0002,909
Additional noninterest expense$492,0002,563
Pre-tax net operating income$2,141,0001,455
Securities gains (losses)$01,392
Applicable income taxes$03,613
Income before extraordinary items$2,141,0001,328
Extraordinary gains, net$03
Net income$2,141,0001,327
Minority interest net income$055
Net income of bank and minority interests.$2,141,0001,328
Net charge-offs$11,0001,336
Cash dividends$631,0001,031
Sale, conversion, retirement of capital stock, net$0482
Net operating income$2,141,0001,295
2020-12-31 (YTD Data)Rank
Total interest income$11,699,0002,280
Total interest expense$1,713,0002,172
Net interest income$9,986,0002,261
Provision for loan and lease losses$04,319
Total noninterest income$3,082,0001,705
Gross Fiduciary activities income$992,000463
Service charges on deposit accounts$751,0001,191
Trading account gains and feesNANA
Additional Noninterest Income$1,339,0002,183
Total noninterest expense$6,537,0002,569
Salaries and employee benefits$3,833,0002,543
Premises and equipment expense$550,0002,898
Additional noninterest expense$2,154,0002,419
Pre-tax net operating income$6,531,0001,458
Securities gains (losses)$183,0001,071
Applicable income taxes$03,697
Income before extraordinary items$6,714,0001,302
Extraordinary gains, net$04
Net income$6,714,0001,303
Minority interest net income$072
Net income of bank and minority interests.$6,714,0001,303
Net charge-offs$674,000827
Cash dividends$4,497,000836
Sale, conversion, retirement of capital stock, net$0566
Net operating income$6,531,0001,290
2020-09-30 (YTD Data)Rank
Total interest income$8,808,0002,294
Total interest expense$1,400,0002,135
Net interest income$7,408,0002,273
Provision for loan and lease losses$04,239
Total noninterest income$2,369,0001,633
Gross Fiduciary activities income$741,000458
Service charges on deposit accounts$558,0001,190
Trading account gains and feesNANA
Additional Noninterest Income$1,070,0002,083
Total noninterest expense$4,998,0002,512
Salaries and employee benefits$2,915,0002,505
Premises and equipment expense$412,0002,907
Additional noninterest expense$1,671,0002,336
Pre-tax net operating income$4,779,0001,451
Securities gains (losses)$183,000932
Applicable income taxes$03,696
Income before extraordinary items$4,962,0001,279
Extraordinary gains, net$04
Net income$4,962,0001,279
Minority interest net income$065
Net income of bank and minority interests.$4,962,0001,279
Net charge-offs$272,0001,073
Cash dividends$2,376,000975
Sale, conversion, retirement of capital stock, net$0532
Net operating income$4,779,0001,283
2020-06-30 (YTD Data)Rank
Total interest income$5,986,0002,294
Total interest expense$1,031,0002,103
Net interest income$4,955,0002,292
Provision for loan and lease losses$04,134
Total noninterest income$1,617,0001,541
Gross Fiduciary activities income$488,000460
Service charges on deposit accounts$368,0001,206
Trading account gains and feesNANA
Additional Noninterest Income$761,0001,955
Total noninterest expense$3,347,0002,510
Salaries and employee benefits$1,987,0002,481
Premises and equipment expense$278,0002,889
Additional noninterest expense$1,082,0002,379
Pre-tax net operating income$3,225,0001,362
Securities gains (losses)$183,000736
Applicable income taxes$03,655
Income before extraordinary items$3,408,0001,190
Extraordinary gains, net$04
Net income$3,408,0001,190
Minority interest net income$065
Net income of bank and minority interests.$3,408,0001,190
Net charge-offs$293,000826
Cash dividends$1,427,0001,044
Sale, conversion, retirement of capital stock, net$0504
Net operating income$3,225,0001,203
2020-03-31 (YTD Data)Rank
Total interest income$3,170,0002,171
Total interest expense$613,0002,023
Net interest income$2,557,0002,192
Provision for loan and lease losses$03,711
Total noninterest income$709,0001,584
Gross Fiduciary activities income$254,000459
Service charges on deposit accounts$220,0001,214
Trading account gains and feesNANA
Additional Noninterest Income$235,0002,256
Total noninterest expense$1,634,0002,580
Salaries and employee benefits$986,0002,514
Premises and equipment expense$137,0002,940
Additional noninterest expense$511,0002,510
Pre-tax net operating income$1,632,0001,243
Securities gains (losses)$183,000402
Applicable income taxes$03,513
Income before extraordinary items$1,815,0001,014
Extraordinary gains, net$04
Net income$1,815,0001,014
Minority interest net income$056
Net income of bank and minority interests.$1,815,0001,014
Net charge-offs$16,0001,683
Cash dividends$629,0001,104
Sale, conversion, retirement of capital stock, net$0482
Net operating income$1,632,0001,084
2019-12-31 (YTD Data)Rank
Total interest income$14,174,0002,017
Total interest expense$2,836,0001,881
Net interest income$11,338,0002,016
Provision for loan and lease losses$150,0002,594
Total noninterest income$2,910,0001,598
Gross Fiduciary activities income$1,040,000450
Service charges on deposit accounts$912,0001,199
Trading account gains and feesNANA
Additional Noninterest Income$958,0002,299
Total noninterest expense$6,491,0002,563
Salaries and employee benefits$3,890,0002,499
Premises and equipment expense$648,0002,672
Additional noninterest expense$1,953,0002,596
Pre-tax net operating income$7,607,0001,270
Securities gains (losses)$359,000460
Applicable income taxes$03,859
Income before extraordinary items$7,966,0001,116
Extraordinary gains, net$011
Net income$7,966,0001,118
Minority interest net income$076
Net income of bank and minority interests.$7,966,0001,118
Net charge-offs$133,0002,012
Cash dividends$6,774,000637
Sale, conversion, retirement of capital stock, net$0626
Net operating income$7,607,0001,138
2019-09-30 (YTD Data)Rank
Total interest income$10,813,0002,001
Total interest expense$2,155,0001,876
Net interest income$8,658,0002,009
Provision for loan and lease losses$150,0002,250
Total noninterest income$2,179,0001,595
Gross Fiduciary activities income$790,000447
Service charges on deposit accounts$671,0001,224
Trading account gains and feesNANA
Additional Noninterest Income$718,0002,292
Total noninterest expense$4,823,0002,599
Salaries and employee benefits$2,901,0002,520
Premises and equipment expense$502,0002,637
Additional noninterest expense$1,420,0002,659
Pre-tax net operating income$5,864,0001,277
Securities gains (losses)$344,000379
Applicable income taxes$03,902
Income before extraordinary items$6,208,0001,107
Extraordinary gains, net$011
Net income$6,208,0001,108
Minority interest net income$072
Net income of bank and minority interests.$6,208,0001,108
Net charge-offs$-49,0004,817
Cash dividends$4,089,000704
Sale, conversion, retirement of capital stock, net$0590
Net operating income$5,864,0001,136
2019-06-30 (YTD Data)Rank
Total interest income$7,320,0001,975
Total interest expense$1,444,0001,849
Net interest income$5,876,0001,978
Provision for loan and lease losses$150,0001,792
Total noninterest income$1,421,0001,579
Gross Fiduciary activities income$513,000451
Service charges on deposit accounts$434,0001,234
Trading account gains and feesNANA
Additional Noninterest Income$474,0002,269
Total noninterest expense$3,220,0002,611
Salaries and employee benefits$1,953,0002,501
Premises and equipment expense$349,0002,561
Additional noninterest expense$918,0002,748
Pre-tax net operating income$3,927,0001,257
Securities gains (losses)$137,000460
Applicable income taxes$03,901
Income before extraordinary items$4,064,0001,101
Extraordinary gains, net$011
Net income$4,064,0001,101
Minority interest net income$069
Net income of bank and minority interests.$4,064,0001,101
Net charge-offs$-123,0005,086
Cash dividends$3,190,000612
Sale, conversion, retirement of capital stock, net$0573
Net operating income$3,927,0001,105
2019-03-31 (YTD Data)Rank
Total interest income$3,638,0001,987
Total interest expense$711,0001,820
Net interest income$2,927,0001,993
Provision for loan and lease losses$75,0001,682
Total noninterest income$686,0001,587
Gross Fiduciary activities income$249,000459
Service charges on deposit accounts$211,0001,259
Trading account gains and feesNANA
Additional Noninterest Income$226,0002,264
Total noninterest expense$1,594,0002,652
Salaries and employee benefits$984,0002,513
Premises and equipment expense$171,0002,622
Additional noninterest expense$439,0002,823
Pre-tax net operating income$1,944,0001,236
Securities gains (losses)$33,000474
Applicable income taxes$03,800
Income before extraordinary items$1,977,0001,100
Extraordinary gains, net$05
Net income$1,977,0001,099
Minority interest net income$052
Net income of bank and minority interests.$1,977,0001,099
Net charge-offs$-145,0005,237
Cash dividends$797,000986
Sale, conversion, retirement of capital stock, net$0529
Net operating income$1,944,0001,095
2018-12-31 (YTD Data)Rank
Total interest income$14,026,0001,957
Total interest expense$2,032,0001,915
Net interest income$11,994,0001,959
Provision for loan and lease losses$450,0001,544
Total noninterest income$3,042,0001,530
Gross Fiduciary activities income$1,085,000445
Service charges on deposit accounts$994,0001,176
Trading account gains and feesNANA
Additional Noninterest Income$963,0002,286
Total noninterest expense$6,494,0002,579
Salaries and employee benefits$3,980,0002,464
Premises and equipment expense$593,0002,853
Additional noninterest expense$1,921,0002,652
Pre-tax net operating income$8,092,0001,213
Securities gains (losses)$134,000261
Applicable income taxes$03,978
Income before extraordinary items$8,226,0001,076
Extraordinary gains, net$06
Net income$8,226,0001,075
Minority interest net income$072
Net income of bank and minority interests.$8,226,0001,075
Net charge-offs$338,0001,242
Cash dividends$7,341,000540
Sale, conversion, retirement of capital stock, net$0671
Net operating income$8,092,0001,082
2018-09-30 (YTD Data)Rank
Total interest income$10,258,0001,984
Total interest expense$1,367,0001,985
Net interest income$8,891,0001,972
Provision for loan and lease losses$300,0001,565
Total noninterest income$2,213,0001,582
Gross Fiduciary activities income$743,000458
Service charges on deposit accounts$746,0001,176
Trading account gains and feesNANA
Additional Noninterest Income$724,0002,306
Total noninterest expense$4,827,0002,614
Salaries and employee benefits$2,957,0002,476
Premises and equipment expense$443,0002,889
Additional noninterest expense$1,427,0002,691
Pre-tax net operating income$5,977,0001,234
Securities gains (losses)$132,000256
Applicable income taxes$04,032
Income before extraordinary items$6,109,0001,086
Extraordinary gains, net$05
Net income$6,109,0001,085
Minority interest net income$066
Net income of bank and minority interests.$6,109,0001,085
Net charge-offs$310,000978
Cash dividends$3,992,000650
Sale, conversion, retirement of capital stock, net$0633
Net operating income$5,977,0001,089
2018-06-30 (YTD Data)Rank
Total interest income$6,730,0001,997
Total interest expense$843,0002,015
Net interest income$5,887,0001,990
Provision for loan and lease losses$150,0001,766
Total noninterest income$1,458,0001,596
Gross Fiduciary activities income$487,000460
Service charges on deposit accounts$499,0001,165
Trading account gains and feesNANA
Additional Noninterest Income$472,0002,324
Total noninterest expense$3,209,0002,635
Salaries and employee benefits$1,996,0002,474
Premises and equipment expense$286,0002,958
Additional noninterest expense$927,0002,742
Pre-tax net operating income$3,986,0001,222
Securities gains (losses)$132,000214
Applicable income taxes$04,018
Income before extraordinary items$4,118,0001,057
Extraordinary gains, net$06
Net income$4,118,0001,056
Minority interest net income$065
Net income of bank and minority interests.$4,118,0001,056
Net charge-offs$289,000748
Cash dividends$3,195,000547
Sale, conversion, retirement of capital stock, net$0620
Net operating income$3,986,0001,076
2018-03-31 (YTD Data)Rank
Total interest income$3,296,0002,023
Total interest expense$412,0001,982
Net interest income$2,884,0002,009
Provision for loan and lease losses$03,508
Total noninterest income$738,0001,568
Gross Fiduciary activities income$241,000469
Service charges on deposit accounts$255,0001,156
Trading account gains and feesNANA
Additional Noninterest Income$242,0002,262
Total noninterest expense$1,605,0002,654
Salaries and employee benefits$999,0002,511
Premises and equipment expense$138,0003,059
Additional noninterest expense$468,0002,758
Pre-tax net operating income$2,017,0001,189
Securities gains (losses)$108,000162
Applicable income taxes$03,948
Income before extraordinary items$2,125,0001,018
Extraordinary gains, net$07
Net income$2,125,0001,017
Minority interest net income$052
Net income of bank and minority interests.$2,125,0001,018
Net charge-offs$2,0002,440
Cash dividends$799,000857
Sale, conversion, retirement of capital stock, net$0580
Net operating income$2,017,0001,044
2017-12-31 (YTD Data)Rank
Total interest income$12,493,0002,063
Total interest expense$1,210,0002,230
Net interest income$11,283,0002,015
Provision for loan and lease losses$500,0001,444
Total noninterest income$3,070,0001,563
Gross Fiduciary activities income$1,104,000439
Service charges on deposit accounts$1,028,0001,163
Trading account gains and feesNANA
Additional Noninterest Income$938,0002,364
Total noninterest expense$6,512,0002,625
Salaries and employee benefits$3,911,0002,505
Premises and equipment expense$623,0002,860
Additional noninterest expense$1,978,0002,674
Pre-tax net operating income$7,341,0001,263
Securities gains (losses)$321,000293
Applicable income taxes$04,135
Income before extraordinary items$7,662,000935
Extraordinary gains, net$09
Net income$7,662,000935
Minority interest net income$076
Net income of bank and minority interests.$7,662,000935
Net charge-offs$156,0002,038
Cash dividends$6,052,000562
Sale, conversion, retirement of capital stock, net$0711
Net operating income$7,341,000967
2017-09-30 (YTD Data)Rank
Total interest income$9,157,0002,108
Total interest expense$842,0002,326
Net interest income$8,315,0002,052
Provision for loan and lease losses$350,0001,474
Total noninterest income$2,346,0001,548
Gross Fiduciary activities income$861,000434
Service charges on deposit accounts$764,0001,184
Trading account gains and feesNANA
Additional Noninterest Income$721,0002,370
Total noninterest expense$4,921,0002,626
Salaries and employee benefits$2,917,0002,520
Premises and equipment expense$468,0002,882
Additional noninterest expense$1,536,0002,622
Pre-tax net operating income$5,390,0001,302
Securities gains (losses)$321,000281
Applicable income taxes$04,172
Income before extraordinary items$5,711,0001,048
Extraordinary gains, net$09
Net income$5,711,0001,047
Minority interest net income$071
Net income of bank and minority interests.$5,711,0001,048
Net charge-offs$139,0001,675
Cash dividends$4,255,000575
Sale, conversion, retirement of capital stock, net$0677
Net operating income$5,390,0001,081
2017-06-30 (YTD Data)Rank
Total interest income$5,923,0002,140
Total interest expense$496,0002,503
Net interest income$5,427,0002,076
Provision for loan and lease losses$03,871
Total noninterest income$1,522,0001,587
Gross Fiduciary activities income$540,000442
Service charges on deposit accounts$490,0001,207
Trading account gains and feesNANA
Additional Noninterest Income$492,0002,356
Total noninterest expense$3,264,0002,641
Salaries and employee benefits$1,945,0002,537
Premises and equipment expense$304,0002,930
Additional noninterest expense$1,015,0002,635
Pre-tax net operating income$3,685,0001,270
Securities gains (losses)$267,000234
Applicable income taxes$04,189
Income before extraordinary items$3,952,000982
Extraordinary gains, net$011
Net income$3,952,000983
Minority interest net income$071
Net income of bank and minority interests.$3,952,000982
Net charge-offs$138,0001,291
Cash dividends$2,657,000601
Sale, conversion, retirement of capital stock, net$0659
Net operating income$3,685,0001,043
2017-03-31 (YTD Data)Rank
Total interest income$2,910,0002,166
Total interest expense$234,0002,573
Net interest income$2,676,0002,090
Provision for loan and lease losses$03,537
Total noninterest income$797,0001,513
Gross Fiduciary activities income$303,000428
Service charges on deposit accounts$237,0001,241
Trading account gains and feesNANA
Additional Noninterest Income$257,0002,283
Total noninterest expense$1,596,0002,714
Salaries and employee benefits$966,0002,588
Premises and equipment expense$145,0003,056
Additional noninterest expense$485,0002,727
Pre-tax net operating income$1,877,0001,242
Securities gains (losses)$199,000157
Applicable income taxes$04,086
Income before extraordinary items$2,076,000909
Extraordinary gains, net$08
Net income$2,076,000909
Minority interest net income$055
Net income of bank and minority interests.$2,076,000909
Net charge-offs$17,0001,973
Cash dividends$528,0001,156
Sale, conversion, retirement of capital stock, net$0632
Net operating income$1,877,000995
2016-12-31 (YTD Data)Rank
Total interest income$11,411,0002,159
Total interest expense$865,0002,670
Net interest income$10,546,0002,088
Provision for loan and lease losses$500,0001,458
Total noninterest income$3,942,0001,361
Gross Fiduciary activities income$1,171,000426
Service charges on deposit accounts$994,0001,219
Trading account gains and fees$0170
Additional Noninterest Income$1,777,0001,704
Total noninterest expense$6,561,0002,687
Salaries and employee benefits$3,696,0002,644
Premises and equipment expense$637,0002,908
Additional noninterest expense$2,228,0002,553
Pre-tax net operating income$7,427,0001,179
Securities gains (losses)$602,000366
Applicable income taxes$04,278
Income before extraordinary items$8,029,000926
Extraordinary gains, net$05
Net income$8,029,000925
Minority interest net income$082
Net income of bank and minority interests.$8,029,000925
Net charge-offs$133,0002,341
Cash dividends$7,635,000481
Sale, conversion, retirement of capital stock, net$0759
Net operating income$7,427,000980
2016-09-30 (YTD Data)Rank
Total interest income$8,476,0002,178
Total interest expense$645,0002,679
Net interest income$7,831,0002,102
Provision for loan and lease losses$400,0001,350
Total noninterest income$3,160,0001,287
Gross Fiduciary activities income$875,000429
Service charges on deposit accounts$740,0001,218
Trading account gains and fees$0169
Additional Noninterest Income$1,545,0001,563
Total noninterest expense$4,852,0002,698
Salaries and employee benefits$2,760,0002,656
Premises and equipment expense$476,0002,933
Additional noninterest expense$1,616,0002,630
Pre-tax net operating income$5,739,0001,160
Securities gains (losses)$554,000353
Applicable income taxes$04,325
Income before extraordinary items$6,293,000888
Extraordinary gains, net$05
Net income$6,293,000887
Minority interest net income$071
Net income of bank and minority interests.$6,293,000888
Net charge-offs$136,0001,783
Cash dividends$4,959,000511
Sale, conversion, retirement of capital stock, net$0719
Net operating income$5,739,000946
2016-06-30 (YTD Data)Rank
Total interest income$5,642,0002,189
Total interest expense$435,0002,672
Net interest income$5,207,0002,109
Provision for loan and lease losses$04,017
Total noninterest income$2,342,0001,182
Gross Fiduciary activities income$542,000447
Service charges on deposit accounts$472,0001,244
Trading account gains and fees$0157
Additional Noninterest Income$1,328,0001,287
Total noninterest expense$3,260,0002,698
Salaries and employee benefits$1,874,0002,622
Premises and equipment expense$303,0003,017
Additional noninterest expense$1,083,0002,625
Pre-tax net operating income$4,289,0001,046
Securities gains (losses)$478,000289
Applicable income taxes$04,338
Income before extraordinary items$4,767,000788
Extraordinary gains, net$016
Net income$4,767,000787
Minority interest net income$071
Net income of bank and minority interests.$4,767,000787
Net charge-offs$105,0001,572
Cash dividends$3,406,000515
Sale, conversion, retirement of capital stock, net$0705
Net operating income$4,289,000835
2016-03-31 (YTD Data)Rank
Total interest income$2,811,0002,191
Total interest expense$219,0002,670
Net interest income$2,592,0002,119
Provision for loan and lease losses$03,656
Total noninterest income$778,0001,552
Gross Fiduciary activities income$235,000470
Service charges on deposit accounts$236,0001,239
Trading account gains and fees$0142
Additional Noninterest Income$307,0002,062
Total noninterest expense$1,669,0002,655
Salaries and employee benefits$971,0002,573
Premises and equipment expense$149,0003,073
Additional noninterest expense$549,0002,577
Pre-tax net operating income$1,701,0001,265
Securities gains (losses)$293,000217
Applicable income taxes$04,259
Income before extraordinary items$1,994,000891
Extraordinary gains, net$012
Net income$1,994,000892
Minority interest net income$062
Net income of bank and minority interests.$1,994,000892
Net charge-offs$21,0001,949
Cash dividends$902,000805
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,701,0001,027
2015-12-31 (YTD Data)Rank
Total interest income$10,950,0002,194
Total interest expense$868,0002,670
Net interest income$10,082,0002,116
Provision for loan and lease losses$300,0001,890
Total noninterest income$3,066,0001,580
Gross Fiduciary activities income$997,000462
Service charges on deposit accounts$916,0001,306
Trading account gains and fees$0159
Additional Noninterest Income$1,153,0002,198
Total noninterest expense$6,385,0002,741
Salaries and employee benefits$3,590,0002,683
Premises and equipment expense$605,0003,082
Additional noninterest expense$2,190,0002,599
Pre-tax net operating income$6,463,0001,273
Securities gains (losses)$479,000366
Applicable income taxes$04,402
Income before extraordinary items$6,942,0001,033
Extraordinary gains, net$023
Net income$6,942,0001,032
Minority interest net income$081
Net income of bank and minority interests.$6,942,0001,033
Net charge-offs$178,0002,091
Cash dividends$6,418,000539
Sale, conversion, retirement of capital stock, net$0804
Net operating income$6,463,0001,069
2015-09-30 (YTD Data)Rank
Total interest income$8,170,0002,215
Total interest expense$653,0002,695
Net interest income$7,517,0002,130
Provision for loan and lease losses$04,232
Total noninterest income$2,182,0001,650
Gross Fiduciary activities income$766,000456
Service charges on deposit accounts$664,0001,368
Trading account gains and fees$0153
Additional Noninterest Income$752,0002,391
Total noninterest expense$4,629,0002,820
Salaries and employee benefits$2,691,0002,693
Premises and equipment expense$450,0003,147
Additional noninterest expense$1,488,0002,808
Pre-tax net operating income$5,070,0001,263
Securities gains (losses)$430,000339
Applicable income taxes$04,489
Income before extraordinary items$5,500,000973
Extraordinary gains, net$021
Net income$5,500,000973
Minority interest net income$078
Net income of bank and minority interests.$5,500,000973
Net charge-offs$90,0002,267
Cash dividends$3,922,000588
Sale, conversion, retirement of capital stock, net$0773
Net operating income$5,070,0001,035
2015-06-30 (YTD Data)Rank
Total interest income$5,475,0002,205
Total interest expense$438,0002,703
Net interest income$5,037,0002,124
Provision for loan and lease losses$04,069
Total noninterest income$1,451,0001,651
Gross Fiduciary activities income$524,000459
Service charges on deposit accounts$421,0001,405
Trading account gains and fees$0157
Additional Noninterest Income$506,0002,391
Total noninterest expense$3,132,0002,801
Salaries and employee benefits$1,825,0002,672
Premises and equipment expense$299,0003,175
Additional noninterest expense$1,008,0002,790
Pre-tax net operating income$3,356,0001,259
Securities gains (losses)$363,000331
Applicable income taxes$04,497
Income before extraordinary items$3,719,000956
Extraordinary gains, net$022
Net income$3,719,000956
Minority interest net income$075
Net income of bank and minority interests.$3,719,000956
Net charge-offs$44,0002,414
Cash dividends$3,119,000489
Sale, conversion, retirement of capital stock, net$0751
Net operating income$3,356,0001,026
2015-03-31 (YTD Data)Rank
Total interest income$2,748,0002,192
Total interest expense$217,0002,729
Net interest income$2,531,0002,111
Provision for loan and lease losses$03,703
Total noninterest income$740,0001,597
Gross Fiduciary activities income$271,000455
Service charges on deposit accounts$207,0001,403
Trading account gains and fees$0152
Additional Noninterest Income$262,0002,290
Total noninterest expense$1,570,0002,806
Salaries and employee benefits$913,0002,702
Premises and equipment expense$144,0003,285
Additional noninterest expense$513,0002,727
Pre-tax net operating income$1,701,0001,196
Securities gains (losses)$246,000300
Applicable income taxes$04,400
Income before extraordinary items$1,947,000888
Extraordinary gains, net$013
Net income$1,947,000888
Minority interest net income$064
Net income of bank and minority interests.$1,947,000888
Net charge-offs$35,0001,797
Cash dividends$803,000795
Sale, conversion, retirement of capital stock, net$0697
Net operating income$1,701,000975
2014-12-31 (YTD Data)Rank
Total interest income$10,965,0002,193
Total interest expense$945,0002,677
Net interest income$10,020,0002,119
Provision for loan and lease losses$04,603
Total noninterest income$2,661,0001,719
Gross Fiduciary activities income$1,051,000455
Service charges on deposit accounts$910,0001,410
Trading account gains and fees$0180
Additional Noninterest Income$700,0002,825
Total noninterest expense$6,265,0002,826
Salaries and employee benefits$3,692,0002,670
Premises and equipment expense$602,0003,221
Additional noninterest expense$1,971,0002,906
Pre-tax net operating income$6,416,0001,247
Securities gains (losses)$503,000393
Applicable income taxes$04,531
Income before extraordinary items$6,919,000964
Extraordinary gains, net$017
Net income$6,919,000963
Minority interest net income$084
Net income of bank and minority interests.$6,919,000963
Net charge-offs$87,0003,308
Cash dividends$6,262,000504
Sale, conversion, retirement of capital stock, net$0862
Net operating income$6,416,0001,010
2014-09-30 (YTD Data)Rank
Total interest income$8,235,0002,209
Total interest expense$725,0002,668
Net interest income$7,510,0002,138
Provision for loan and lease losses$04,401
Total noninterest income$2,241,0001,574
Gross Fiduciary activities income$812,000455
Service charges on deposit accounts$687,0001,415
Trading account gains and fees$0174
Additional Noninterest Income$742,0002,361
Total noninterest expense$4,699,0002,845
Salaries and employee benefits$2,822,0002,621
Premises and equipment expense$458,0003,238
Additional noninterest expense$1,419,0003,013
Pre-tax net operating income$5,052,0001,205
Securities gains (losses)$368,000407
Applicable income taxes$04,583
Income before extraordinary items$5,420,000916
Extraordinary gains, net$015
Net income$5,420,000915
Minority interest net income$081
Net income of bank and minority interests.$5,420,000915
Net charge-offs$59,0003,132
Cash dividends$2,416,000808
Sale, conversion, retirement of capital stock, net$0819
Net operating income$5,052,000961
2014-06-30 (YTD Data)Rank
Total interest income$5,474,0002,213
Total interest expense$499,0002,634
Net interest income$4,975,0002,136
Provision for loan and lease losses$04,196
Total noninterest income$1,421,0001,610
Gross Fiduciary activities income$548,000451
Service charges on deposit accounts$449,0001,422
Trading account gains and fees$0172
Additional Noninterest Income$424,0002,542
Total noninterest expense$3,122,0002,862
Salaries and employee benefits$1,945,0002,572
Premises and equipment expense$306,0003,244
Additional noninterest expense$871,0003,201
Pre-tax net operating income$3,274,0001,209
Securities gains (losses)$215,000464
Applicable income taxes$04,568
Income before extraordinary items$3,489,000929
Extraordinary gains, net$020
Net income$3,489,000929
Minority interest net income$080
Net income of bank and minority interests.$3,489,000929
Net charge-offs$38,0003,009
Cash dividends$1,612,000772
Sale, conversion, retirement of capital stock, net$0794
Net operating income$3,274,000973
2014-03-31 (YTD Data)Rank
Total interest income$2,718,0002,218
Total interest expense$258,0002,610
Net interest income$2,460,0002,151
Provision for loan and lease losses$03,817
Total noninterest income$725,0001,552
Gross Fiduciary activities income$284,000447
Service charges on deposit accounts$224,0001,400
Trading account gains and fees$0147
Additional Noninterest Income$217,0002,439
Total noninterest expense$1,592,0002,849
Salaries and employee benefits$1,016,0002,470
Premises and equipment expense$153,0003,298
Additional noninterest expense$423,0003,281
Pre-tax net operating income$1,593,0001,193
Securities gains (losses)$76,000519
Applicable income taxes$04,445
Income before extraordinary items$1,669,000941
Extraordinary gains, net$016
Net income$1,669,000941
Minority interest net income$066
Net income of bank and minority interests.$1,669,000942
Net charge-offs$29,0002,245
Cash dividends$806,000723
Sale, conversion, retirement of capital stock, net$0747
Net operating income$1,593,000961
2013-12-31 (YTD Data)Rank
Total interest income$11,067,0002,208
Total interest expense$1,031,0002,879
Net interest income$10,036,0002,084
Provision for loan and lease losses$05,091
Total noninterest income$2,643,0001,784
Gross Fiduciary activities income$903,000476
Service charges on deposit accounts$946,0001,435
Trading account gains and fees$0184
Additional Noninterest Income$794,0002,680
Total noninterest expense$6,218,0002,900
Salaries and employee benefits$3,943,0002,506
Premises and equipment expense$652,0003,107
Additional noninterest expense$1,623,0003,443
Pre-tax net operating income$6,461,0001,144
Securities gains (losses)$406,000534
Applicable income taxes$04,631
Income before extraordinary items$6,867,000909
Extraordinary gains, net$029
Net income$6,867,000910
Minority interest net income$090
Net income of bank and minority interests.$6,867,000910
Net charge-offs$44,0004,431
Cash dividends$4,830,000588
Sale, conversion, retirement of capital stock, net$0924
Net operating income$6,461,000930
2013-09-30 (YTD Data)Rank
Total interest income$8,269,0002,232
Total interest expense$776,0002,947
Net interest income$7,493,0002,101
Provision for loan and lease losses$04,941
Total noninterest income$1,962,0001,811
Gross Fiduciary activities income$687,000472
Service charges on deposit accounts$697,0001,466
Trading account gains and fees$0180
Additional Noninterest Income$578,0002,798
Total noninterest expense$4,583,0002,951
Salaries and employee benefits$2,898,0002,554
Premises and equipment expense$472,0003,240
Additional noninterest expense$1,213,0003,466
Pre-tax net operating income$4,872,0001,170
Securities gains (losses)$382,000526
Applicable income taxes$04,713
Income before extraordinary items$5,254,000902
Extraordinary gains, net$025
Net income$5,254,000904
Minority interest net income$084
Net income of bank and minority interests.$5,254,000904
Net charge-offs$5,0004,904
Cash dividends$817,0001,646
Sale, conversion, retirement of capital stock, net$0868
Net operating income$4,872,000928
2013-06-30 (YTD Data)Rank
Total interest income$5,500,0002,233
Total interest expense$518,0002,991
Net interest income$4,982,0002,096
Provision for loan and lease losses$04,788
Total noninterest income$1,305,0001,845
Gross Fiduciary activities income$470,000472
Service charges on deposit accounts$443,0001,496
Trading account gains and fees$0157
Additional Noninterest Income$392,0002,831
Total noninterest expense$3,046,0002,960
Salaries and employee benefits$1,921,0002,582
Premises and equipment expense$314,0003,254
Additional noninterest expense$811,0003,466
Pre-tax net operating income$3,241,0001,148
Securities gains (losses)$358,000490
Applicable income taxes$04,679
Income before extraordinary items$3,599,000869
Extraordinary gains, net$022
Net income$3,599,000869
Minority interest net income$082
Net income of bank and minority interests.$3,599,000871
Net charge-offs$21,0003,979
Cash dividends$550,0001,604
Sale, conversion, retirement of capital stock, net$0838
Net operating income$3,241,000912
2013-03-31 (YTD Data)Rank
Total interest income$2,748,0002,262
Total interest expense$261,0003,051
Net interest income$2,487,0002,109
Provision for loan and lease losses$04,409
Total noninterest income$674,0001,785
Gross Fiduciary activities income$253,000463
Service charges on deposit accounts$221,0001,488
Trading account gains and fees$0148
Additional Noninterest Income$200,0002,775
Total noninterest expense$1,507,0003,000
Salaries and employee benefits$945,0002,648
Premises and equipment expense$154,0003,327
Additional noninterest expense$408,0003,464
Pre-tax net operating income$1,654,0001,110
Securities gains (losses)$277,000346
Applicable income taxes$04,602
Income before extraordinary items$1,931,000799
Extraordinary gains, net$010
Net income$1,931,000800
Minority interest net income$076
Net income of bank and minority interests.$1,931,000801
Net charge-offs$22,0003,012
Cash dividends$550,000872
Sale, conversion, retirement of capital stock, net$0789
Net operating income$1,654,000876
2012-12-31 (YTD Data)Rank
Total interest income$11,119,0002,337
Total interest expense$1,206,0003,189
Net interest income$9,913,0002,171
Provision for loan and lease losses$100,0004,651
Total noninterest income$2,792,0001,734
Gross Fiduciary activities income$959,000462
Service charges on deposit accounts$1,040,0001,378
Trading account gains and fees$0166
Additional Noninterest Income$793,0002,696
Total noninterest expense$5,827,0003,108
Salaries and employee benefits$3,697,0002,643
Premises and equipment expense$575,0003,494
Additional noninterest expense$1,555,0003,700
Pre-tax net operating income$6,778,0001,049
Securities gains (losses)$247,0001,514
Applicable income taxes$04,751
Income before extraordinary items$7,025,000840
Extraordinary gains, net$029
Net income$7,025,000839
Minority interest net income$093
Net income of bank and minority interests.$7,025,000840
Net charge-offs$-72,0006,904
Cash dividends$5,947,000497
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$6,778,000821
2012-09-30 (YTD Data)Rank
Total interest income$8,315,0002,388
Total interest expense$933,0003,230
Net interest income$7,382,0002,220
Provision for loan and lease losses$100,0004,329
Total noninterest income$2,026,0001,771
Gross Fiduciary activities income$636,000483
Service charges on deposit accounts$780,0001,380
Trading account gains and fees$0157
Additional Noninterest Income$610,0002,654
Total noninterest expense$4,287,0003,163
Salaries and employee benefits$2,697,0002,732
Premises and equipment expense$437,0003,502
Additional noninterest expense$1,153,0003,753
Pre-tax net operating income$5,021,0001,077
Securities gains (losses)$224,0001,343
Applicable income taxes$04,802
Income before extraordinary items$5,245,000869
Extraordinary gains, net$020
Net income$5,245,000868
Minority interest net income$086
Net income of bank and minority interests.$5,245,000869
Net charge-offs$-155,0007,079
Cash dividends$2,457,000655
Sale, conversion, retirement of capital stock, net$0952
Net operating income$5,021,000855
2012-06-30 (YTD Data)Rank
Total interest income$5,542,0002,396
Total interest expense$646,0003,247
Net interest income$4,896,0002,229
Provision for loan and lease losses$100,0003,821
Total noninterest income$1,285,0001,822
Gross Fiduciary activities income$415,000491
Service charges on deposit accounts$515,0001,386
Trading account gains and fees$0153
Additional Noninterest Income$355,0002,830
Total noninterest expense$2,831,0003,199
Salaries and employee benefits$1,790,0002,747
Premises and equipment expense$282,0003,575
Additional noninterest expense$759,0003,794
Pre-tax net operating income$3,250,0001,095
Securities gains (losses)$155,0001,295
Applicable income taxes$04,770
Income before extraordinary items$3,405,000893
Extraordinary gains, net$019
Net income$3,405,000892
Minority interest net income$084
Net income of bank and minority interests.$3,405,000893
Net charge-offs$-192,0007,165
Cash dividends$1,632,000632
Sale, conversion, retirement of capital stock, net$0928
Net operating income$3,250,000882
2012-03-31 (YTD Data)Rank
Total interest income$2,796,0002,407
Total interest expense$341,0003,208
Net interest income$2,455,0002,229
Provision for loan and lease losses$100,0002,838
Total noninterest income$653,0001,799
Gross Fiduciary activities income$224,000477
Service charges on deposit accounts$250,0001,406
Trading account gains and fees$0148
Additional Noninterest Income$179,0002,813
Total noninterest expense$1,405,0003,212
Salaries and employee benefits$880,0002,798
Premises and equipment expense$123,0003,927
Additional noninterest expense$402,0003,623
Pre-tax net operating income$1,603,0001,094
Securities gains (losses)$112,000864
Applicable income taxes$04,704
Income before extraordinary items$1,715,000874
Extraordinary gains, net$019
Net income$1,715,000874
Minority interest net income$078
Net income of bank and minority interests.$1,715,000875
Net charge-offs$16,0003,803
Cash dividends$807,000564
Sale, conversion, retirement of capital stock, net$0861
Net operating income$1,603,000883
2011-12-31 (YTD Data)Rank
Total interest income$11,206,0002,497
Total interest expense$1,721,0003,101
Net interest income$9,485,0002,302
Provision for loan and lease losses$1,800,0001,675
Total noninterest income$2,690,0001,618
Gross Fiduciary activities income$826,000442
Service charges on deposit accounts$1,130,0001,305
Trading account gains and fees$0146
Additional Noninterest Income$734,0002,572
Total noninterest expense$5,665,0003,200
Salaries and employee benefits$3,334,0002,868
Premises and equipment expense$598,0003,584
Additional noninterest expense$1,733,0003,517
Pre-tax net operating income$4,710,0001,237
Securities gains (losses)$306,0001,120
Applicable income taxes$04,719
Income before extraordinary items$5,016,0001,005
Extraordinary gains, net$029
Net income$5,016,0001,005
Minority interest net income$096
Net income of bank and minority interests.$5,016,0001,005
Net charge-offs$1,877,0001,613
Cash dividends$4,104,000507
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$4,710,0001,019
2011-09-30 (YTD Data)Rank
Total interest income$8,366,0002,531
Total interest expense$1,345,0003,116
Net interest income$7,021,0002,338
Provision for loan and lease losses$1,160,0001,790
Total noninterest income$2,002,0001,612
Gross Fiduciary activities income$620,000433
Service charges on deposit accounts$861,0001,295
Trading account gains and fees$0145
Additional Noninterest Income$521,0002,641
Total noninterest expense$4,304,0003,177
Salaries and employee benefits$2,501,0002,856
Premises and equipment expense$467,0003,518
Additional noninterest expense$1,336,0003,433
Pre-tax net operating income$3,559,0001,275
Securities gains (losses)$304,000920
Applicable income taxes$04,740
Income before extraordinary items$3,863,0001,004
Extraordinary gains, net$021
Net income$3,863,0001,003
Minority interest net income$087
Net income of bank and minority interests.$3,863,0001,004
Net charge-offs$1,472,0001,510
Cash dividends$2,309,000564
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$3,559,0001,026
2011-06-30 (YTD Data)Rank
Total interest income$5,580,0002,543
Total interest expense$935,0003,123
Net interest income$4,645,0002,362
Provision for loan and lease losses$535,0002,230
Total noninterest income$1,306,0001,632
Gross Fiduciary activities income$395,000456
Service charges on deposit accounts$568,0001,273
Trading account gains and fees$0153
Additional Noninterest Income$343,0002,687
Total noninterest expense$2,913,0003,174
Salaries and employee benefits$1,711,0002,820
Premises and equipment expense$310,0003,569
Additional noninterest expense$892,0003,483
Pre-tax net operating income$2,503,0001,186
Securities gains (losses)$202,000730
Applicable income taxes$04,697
Income before extraordinary items$2,705,000912
Extraordinary gains, net$015
Net income$2,705,000911
Minority interest net income$089
Net income of bank and minority interests.$2,705,000912
Net charge-offs$1,348,0001,215
Cash dividends$1,539,000542
Sale, conversion, retirement of capital stock, net$0986
Net operating income$2,503,000951
2011-03-31 (YTD Data)Rank
Total interest income$2,770,0002,583
Total interest expense$477,0003,164
Net interest income$2,293,0002,393
Provision for loan and lease losses$150,0002,750
Total noninterest income$652,0001,651
Gross Fiduciary activities income$214,000439
Service charges on deposit accounts$268,0001,326
Trading account gains and fees$0158
Additional Noninterest Income$170,0002,711
Total noninterest expense$1,425,0003,235
Salaries and employee benefits$836,0002,890
Premises and equipment expense$144,0003,809
Additional noninterest expense$445,0003,480
Pre-tax net operating income$1,370,0001,078
Securities gains (losses)$20,0001,097
Applicable income taxes$04,545
Income before extraordinary items$1,390,000874
Extraordinary gains, net$09
Net income$1,390,000873
Minority interest net income$086
Net income of bank and minority interests.$1,390,000874
Net charge-offs$934,000895
Cash dividends$770,000499
Sale, conversion, retirement of capital stock, net$0925
Net operating income$1,370,000865
2010-12-31 (YTD Data)Rank
Total interest income$11,438,0002,623
Total interest expense$2,304,0003,190
Net interest income$9,134,0002,391
Provision for loan and lease losses$1,550,0002,410
Total noninterest income$2,553,0001,733
Gross Fiduciary activities income$603,000516
Service charges on deposit accounts$1,250,0001,202
Trading account gains and fees$0175
Additional Noninterest Income$700,0002,692
Total noninterest expense$5,779,0003,205
Salaries and employee benefits$3,279,0002,884
Premises and equipment expense$602,0003,710
Additional noninterest expense$1,898,0003,398
Pre-tax net operating income$4,358,0001,167
Securities gains (losses)$572,000793
Applicable income taxes$04,655
Income before extraordinary items$4,930,000896
Extraordinary gains, net$029
Net income$4,930,000897
Minority interest net income$0111
Net income of bank and minority interests.$4,930,000898
Net charge-offs$272,0004,428
Cash dividends$4,823,000350
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$4,358,000960
2010-09-30 (YTD Data)Rank
Total interest income$8,568,0002,680
Total interest expense$1,805,0003,202
Net interest income$6,763,0002,451
Provision for loan and lease losses$1,150,0002,317
Total noninterest income$1,904,0001,759
Gross Fiduciary activities income$447,000517
Service charges on deposit accounts$932,0001,243
Trading account gains and fees$0165
Additional Noninterest Income$525,0002,684
Total noninterest expense$4,344,0003,200
Salaries and employee benefits$2,457,0002,896
Premises and equipment expense$466,0003,682
Additional noninterest expense$1,421,0003,387
Pre-tax net operating income$3,173,0001,246
Securities gains (losses)$541,000682
Applicable income taxes$04,726
Income before extraordinary items$3,714,000939
Extraordinary gains, net$023
Net income$3,714,000941
Minority interest net income$0110
Net income of bank and minority interests.$3,714,000941
Net charge-offs$205,0004,207
Cash dividends$2,810,000393
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$3,173,0001,023
2010-06-30 (YTD Data)Rank
Total interest income$5,730,0002,699
Total interest expense$1,234,0003,237
Net interest income$4,496,0002,463
Provision for loan and lease losses$550,0002,712
Total noninterest income$1,260,0001,713
Gross Fiduciary activities income$295,000523
Service charges on deposit accounts$607,0001,291
Trading account gains and fees$0152
Additional Noninterest Income$358,0002,572
Total noninterest expense$2,945,0003,165
Salaries and employee benefits$1,666,0002,862
Premises and equipment expense$309,0003,722
Additional noninterest expense$970,0003,280
Pre-tax net operating income$2,261,0001,166
Securities gains (losses)$263,000779
Applicable income taxes$04,691
Income before extraordinary items$2,524,000890
Extraordinary gains, net$019
Net income$2,524,000890
Minority interest net income$0105
Net income of bank and minority interests.$2,524,000891
Net charge-offs$139,0003,909
Cash dividends$2,040,000342
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$2,261,000951
2010-03-31 (YTD Data)Rank
Total interest income$2,873,0002,747
Total interest expense$628,0003,320
Net interest income$2,245,0002,502
Provision for loan and lease losses$200,0002,974
Total noninterest income$590,0001,798
Gross Fiduciary activities income$143,000537
Service charges on deposit accounts$285,0001,374
Trading account gains and fees$0175
Additional Noninterest Income$162,0002,714
Total noninterest expense$1,433,0003,258
Salaries and employee benefits$828,0002,927
Premises and equipment expense$159,0003,729
Additional noninterest expense$446,0003,484
Pre-tax net operating income$1,202,0001,099
Securities gains (losses)$7,0001,814
Applicable income taxes$04,611
Income before extraordinary items$1,209,000906
Extraordinary gains, net$016
Net income$1,209,000910
Minority interest net income$091
Net income of bank and minority interests.$1,209,000910
Net charge-offs$66,0003,486
Cash dividends$1,014,000320
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$1,202,000886
2009-12-31 (YTD Data)Rank
Total interest income$11,914,0002,772
Total interest expense$2,910,0003,492
Net interest income$9,004,0002,413
Provision for loan and lease losses$1,100,0003,352
Total noninterest income$2,554,0001,798
Gross Fiduciary activities income$525,000537
Service charges on deposit accounts$1,339,0001,290
Trading account gains and fees$0211
Additional Noninterest Income$690,0002,687
Total noninterest expense$5,987,0003,185
Salaries and employee benefits$3,230,0002,994
Premises and equipment expense$603,0003,859
Additional noninterest expense$2,154,0003,133
Pre-tax net operating income$4,471,000933
Securities gains (losses)$293,0001,264
Applicable income taxes$1,0004,275
Income before extraordinary items$4,763,000717
Extraordinary gains, net$034
Net income$4,763,000716
Minority interest net income$0115
Net income of bank and minority interests.$4,763,000717
Net charge-offs$231,0004,818
Cash dividends$3,518,000493
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$4,470,000756
2009-09-30 (YTD Data)Rank
Total interest income$8,939,0002,815
Total interest expense$2,240,0003,553
Net interest income$6,699,0002,430
Provision for loan and lease losses$900,0002,931
Total noninterest income$1,901,0001,845
Gross Fiduciary activities income$384,000538
Service charges on deposit accounts$1,001,0001,288
Trading account gains and fees$0212
Additional Noninterest Income$516,0002,758
Total noninterest expense$4,253,0003,334
Salaries and employee benefits$2,443,0002,997
Premises and equipment expense$472,0003,785
Additional noninterest expense$1,338,0003,575
Pre-tax net operating income$3,447,000959
Securities gains (losses)$286,0001,032
Applicable income taxes$1,0004,465
Income before extraordinary items$3,732,000727
Extraordinary gains, net$027
Net income$3,732,000726
Minority interest net income$0118
Net income of bank and minority interests.$3,732,000728
Net charge-offs$165,0004,489
Cash dividends$2,317,000546
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$3,446,000778
2009-06-30 (YTD Data)Rank
Total interest income$5,999,0002,827
Total interest expense$1,536,0003,613
Net interest income$4,463,0002,420
Provision for loan and lease losses$600,0002,697
Total noninterest income$1,267,0001,846
Gross Fiduciary activities income$254,000546
Service charges on deposit accounts$673,0001,257
Trading account gains and fees$0193
Additional Noninterest Income$340,0002,790
Total noninterest expense$2,810,0003,390
Salaries and employee benefits$1,625,0003,036
Premises and equipment expense$316,0003,790
Additional noninterest expense$869,0003,650
Pre-tax net operating income$2,320,000983
Securities gains (losses)$133,0001,279
Applicable income taxes$1,0004,523
Income before extraordinary items$2,452,000758
Extraordinary gains, net$021
Net income$2,452,000755
Minority interest net income$0112
Net income of bank and minority interests.$2,452,000758
Net charge-offs$114,0004,103
Cash dividends$1,545,000575
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$2,319,000776
2009-03-31 (YTD Data)Rank
Total interest income$3,029,0002,838
Total interest expense$821,0003,548
Net interest income$2,208,0002,441
Provision for loan and lease losses$300,0002,285
Total noninterest income$628,0001,829
Gross Fiduciary activities income$122,000558
Service charges on deposit accounts$324,0001,267
Trading account gains and fees$0171
Additional Noninterest Income$182,0002,640
Total noninterest expense$1,353,0003,418
Salaries and employee benefits$821,0003,037
Premises and equipment expense$163,0003,735
Additional noninterest expense$369,0003,811
Pre-tax net operating income$1,183,0001,081
Securities gains (losses)$121,000904
Applicable income taxes$04,835
Income before extraordinary items$1,304,000794
Extraordinary gains, net$015
Net income$1,304,000795
Minority interest net income$0102
Net income of bank and minority interests.$1,304,000796
Net charge-offs$51,0003,523
Cash dividends$772,000593
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,183,000833
2008-12-31 (YTD Data)Rank
Total interest income$13,086,0002,811
Total interest expense$4,675,0003,147
Net interest income$8,411,0002,581
Provision for loan and lease losses$850,0002,947
Total noninterest income$2,928,0001,605
Gross Fiduciary activities income$657,000506
Service charges on deposit accounts$1,397,0001,286
Trading account gains and fees$0154
Additional Noninterest Income$874,0002,336
Total noninterest expense$5,963,0003,093
Salaries and employee benefits$3,544,0002,790
Premises and equipment expense$671,0003,611
Additional noninterest expense$1,748,0003,212
Pre-tax net operating income$4,526,0001,204
Securities gains (losses)$330,000509
Applicable income taxes$5,0004,660
Income before extraordinary items$4,851,000836
Extraordinary gains, net$039
Net income$4,851,000836
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$977,0001,990
Cash dividends$3,117,000877
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$4,521,000980
2008-09-30 (YTD Data)Rank
Total interest income$9,989,0002,820
Total interest expense$3,685,0003,109
Net interest income$6,304,0002,602
Provision for loan and lease losses$550,0002,590
Total noninterest income$2,300,0001,595
Gross Fiduciary activities income$517,000501
Service charges on deposit accounts$1,045,0001,296
Trading account gains and fees$0148
Additional Noninterest Income$738,0002,230
Total noninterest expense$4,398,0003,122
Salaries and employee benefits$2,596,0002,873
Premises and equipment expense$480,0003,744
Additional noninterest expense$1,322,0003,102
Pre-tax net operating income$3,656,0001,345
Securities gains (losses)$309,000456
Applicable income taxes$1,0005,240
Income before extraordinary items$3,964,000919
Extraordinary gains, net$031
Net income$3,964,000918
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$657,0001,670
Cash dividends$2,345,000899
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$3,655,0001,061
2008-06-30 (YTD Data)Rank
Total interest income$6,678,0002,858
Total interest expense$2,594,0003,083
Net interest income$4,084,0002,660
Provision for loan and lease losses$200,0003,141
Total noninterest income$1,514,0001,633
Gross Fiduciary activities income$332,000521
Service charges on deposit accounts$687,0001,293
Trading account gains and fees$0149
Additional Noninterest Income$495,0002,267
Total noninterest expense$2,955,0003,104
Salaries and employee benefits$1,741,0002,894
Premises and equipment expense$312,0003,851
Additional noninterest expense$902,0003,009
Pre-tax net operating income$2,443,0001,414
Securities gains (losses)$284,000472
Applicable income taxes$1,0005,487
Income before extraordinary items$2,726,0001,004
Extraordinary gains, net$021
Net income$2,726,0001,004
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$298,0001,812
Cash dividends$2,345,000693
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$2,442,0001,109
2008-03-31 (YTD Data)Rank
Total interest income$3,454,0002,824
Total interest expense$1,444,0002,984
Net interest income$2,010,0002,693
Provision for loan and lease losses$06,080
Total noninterest income$746,0001,654
Gross Fiduciary activities income$165,000534
Service charges on deposit accounts$323,0001,356
Trading account gains and fees$0158
Additional Noninterest Income$258,0002,178
Total noninterest expense$1,444,0003,175
Salaries and employee benefits$866,0002,938
Premises and equipment expense$152,0003,950
Additional noninterest expense$426,0003,117
Pre-tax net operating income$1,312,0001,425
Securities gains (losses)$106,000688
Applicable income taxes$1,0005,476
Income before extraordinary items$1,417,0001,063
Extraordinary gains, net$015
Net income$1,417,0001,066
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$51,0002,428
Cash dividends$754,000960
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$1,311,0001,116
2007-12-31 (YTD Data)Rank
Total interest income$15,063,0002,669
Total interest expense$7,113,0002,582
Net interest income$7,950,0002,740
Provision for loan and lease losses$06,851
Total noninterest income$2,978,0001,653
Gross Fiduciary activities income$664,000528
Service charges on deposit accounts$1,242,0001,443
Trading account gains and fees$0178
Additional Noninterest Income$1,072,0002,123
Total noninterest expense$5,811,0003,051
Salaries and employee benefits$3,457,0002,839
Premises and equipment expense$611,0003,794
Additional noninterest expense$1,743,0003,022
Pre-tax net operating income$5,117,0001,605
Securities gains (losses)$-65,0008,062
Applicable income taxes$18,0005,466
Income before extraordinary items$5,034,0001,270
Extraordinary gains, net$039
Net income$5,034,0001,269
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0004,354
Cash dividends$5,555,000677
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$5,099,0001,246
2007-09-30 (YTD Data)Rank
Total interest income$11,329,0002,665
Total interest expense$5,403,0002,551
Net interest income$5,926,0002,758
Provision for loan and lease losses$06,528
Total noninterest income$2,195,0001,676
Gross Fiduciary activities income$512,000522
Service charges on deposit accounts$897,0001,469
Trading account gains and fees$0184
Additional Noninterest Income$786,0002,146
Total noninterest expense$4,381,0003,020
Salaries and employee benefits$2,610,0002,802
Premises and equipment expense$470,0003,717
Additional noninterest expense$1,301,0002,975
Pre-tax net operating income$3,740,0001,765
Securities gains (losses)$-69,0008,232
Applicable income taxes$06,220
Income before extraordinary items$3,671,0001,392
Extraordinary gains, net$033
Net income$3,671,0001,389
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$67,0003,311
Cash dividends$3,965,000688
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$3,740,0001,359
2007-06-30 (YTD Data)Rank
Total interest income$7,527,0002,690
Total interest expense$3,594,0002,564
Net interest income$3,933,0002,792
Provision for loan and lease losses$06,209
Total noninterest income$1,442,0001,718
Gross Fiduciary activities income$337,000531
Service charges on deposit accounts$586,0001,504
Trading account gains and fees$0168
Additional Noninterest Income$519,0002,195
Total noninterest expense$2,893,0003,058
Salaries and employee benefits$1,720,0002,875
Premises and equipment expense$308,0003,786
Additional noninterest expense$865,0002,982
Pre-tax net operating income$2,482,0001,822
Securities gains (losses)$-75,0008,363
Applicable income taxes$06,265
Income before extraordinary items$2,407,0001,453
Extraordinary gains, net$029
Net income$2,407,0001,451
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$401,000831
Cash dividends$3,462,000581
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$2,482,0001,404
2007-03-31 (YTD Data)Rank
Total interest income$3,668,0002,742
Total interest expense$1,757,0002,599
Net interest income$1,911,0002,868
Provision for loan and lease losses$05,779
Total noninterest income$724,0001,692
Gross Fiduciary activities income$166,000538
Service charges on deposit accounts$282,0001,520
Trading account gains and fees$0195
Additional Noninterest Income$276,0002,077
Total noninterest expense$1,407,0003,141
Salaries and employee benefits$853,0002,908
Premises and equipment expense$151,0003,851
Additional noninterest expense$403,0003,152
Pre-tax net operating income$1,228,0001,826
Securities gains (losses)$-75,0008,531
Applicable income taxes$06,196
Income before extraordinary items$1,153,0001,504
Extraordinary gains, net$022
Net income$1,153,0001,505
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0002,538
Cash dividends$265,0002,125
Sale, conversion, retirement of capital stock, net$0885
Net operating income$1,228,0001,409
2006-12-31 (YTD Data)Rank
Total interest income$14,326,0002,649
Total interest expense$6,225,0002,519
Net interest income$8,101,0002,724
Provision for loan and lease losses$06,850
Total noninterest income$2,716,0001,770
Gross Fiduciary activities income$653,000522
Service charges on deposit accounts$1,139,0001,555
Trading account gains and fees$0130
Additional Noninterest Income$924,0002,351
Total noninterest expense$5,750,0002,975
Salaries and employee benefits$3,380,0002,816
Premises and equipment expense$611,0003,717
Additional noninterest expense$1,759,0002,879
Pre-tax net operating income$5,067,0001,855
Securities gains (losses)$-112,0008,245
Applicable income taxes$-74,0008,338
Income before extraordinary items$5,029,0001,447
Extraordinary gains, net$051
Net income$5,029,0001,448
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$165,0002,463
Cash dividends$4,925,000729
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$5,141,0001,406
2006-09-30 (YTD Data)Rank
Total interest income$10,539,0002,678
Total interest expense$4,405,0002,571
Net interest income$6,134,0002,727
Provision for loan and lease losses$06,685
Total noninterest income$2,069,0001,760
Gross Fiduciary activities income$506,000508
Service charges on deposit accounts$852,0001,570
Trading account gains and fees$0126
Additional Noninterest Income$711,0002,301
Total noninterest expense$4,270,0002,996
Salaries and employee benefits$2,526,0002,822
Premises and equipment expense$450,0003,774
Additional noninterest expense$1,294,0002,916
Pre-tax net operating income$3,933,0001,874
Securities gains (losses)$-15,0007,737
Applicable income taxes$-13,0008,423
Income before extraordinary items$3,931,0001,432
Extraordinary gains, net$045
Net income$3,931,0001,433
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$154,0001,801
Cash dividends$3,271,000769
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$3,946,0001,412
2006-06-30 (YTD Data)Rank
Total interest income$6,831,0002,704
Total interest expense$2,727,0002,640
Net interest income$4,104,0002,735
Provision for loan and lease losses$06,419
Total noninterest income$1,336,0001,802
Gross Fiduciary activities income$312,000535
Service charges on deposit accounts$562,0001,573
Trading account gains and fees$0126
Additional Noninterest Income$462,0002,332
Total noninterest expense$2,809,0003,050
Salaries and employee benefits$1,680,0002,822
Premises and equipment expense$299,0003,777
Additional noninterest expense$830,0003,036
Pre-tax net operating income$2,631,0001,873
Securities gains (losses)$01,185
Applicable income taxes$-13,0008,497
Income before extraordinary items$2,644,0001,419
Extraordinary gains, net$039
Net income$2,644,0001,420
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$138,0001,409
Cash dividends$2,487,000691
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,644,0001,409
2006-03-31 (YTD Data)Rank
Total interest income$3,358,0002,696
Total interest expense$1,272,0002,684
Net interest income$2,086,0002,690
Provision for loan and lease losses$06,013
Total noninterest income$660,0001,783
Gross Fiduciary activities income$169,000518
Service charges on deposit accounts$253,0001,664
Trading account gains and fees$0115
Additional Noninterest Income$238,0002,256
Total noninterest expense$1,390,0003,081
Salaries and employee benefits$841,0002,851
Premises and equipment expense$147,0003,848
Additional noninterest expense$402,0003,102
Pre-tax net operating income$1,356,0001,787
Securities gains (losses)$0955
Applicable income taxes$-13,0008,539
Income before extraordinary items$1,369,0001,339
Extraordinary gains, net$021
Net income$1,369,0001,338
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0002,945
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,369,0001,320
2005-12-31 (YTD Data)Rank
Total interest income$11,992,0002,710
Total interest expense$3,913,0002,702
Net interest income$8,079,0002,675
Provision for loan and lease losses$240,0003,239
Total noninterest income$2,563,0001,833
Gross Fiduciary activities income$549,000562
Service charges on deposit accounts$1,112,0001,562
Trading account gains and fees$0138
Additional Noninterest Income$902,0002,357
Total noninterest expense$5,721,0002,873
Salaries and employee benefits$3,471,0002,618
Premises and equipment expense$618,0003,567
Additional noninterest expense$1,632,0003,032
Pre-tax net operating income$4,681,0001,964
Securities gains (losses)$3,0001,899
Applicable income taxes$1,289,0001,902
Income before extraordinary items$3,395,0002,022
Extraordinary gains, net$046
Net income$3,395,0002,023
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,0004,476
Cash dividends$2,674,0001,143
Sale, conversion, retirement of capital stock, net$0934
Net operating income$3,392,8401,997
2005-09-30 (YTD Data)Rank
Total interest income$8,672,0002,751
Total interest expense$2,685,0002,769
Net interest income$5,987,0002,683
Provision for loan and lease losses$180,0003,127
Total noninterest income$1,903,0001,856
Gross Fiduciary activities income$380,000572
Service charges on deposit accounts$840,0001,539
Trading account gains and fees$0126
Additional Noninterest Income$683,0002,357
Total noninterest expense$4,309,0002,829
Salaries and employee benefits$2,640,0002,541
Premises and equipment expense$457,0003,604
Additional noninterest expense$1,212,0003,015
Pre-tax net operating income$3,401,0002,032
Securities gains (losses)$52,000865
Applicable income taxes$920,0002,001
Income before extraordinary items$2,533,0002,038
Extraordinary gains, net$035
Net income$2,533,0002,037
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$44,0003,660
Cash dividends$1,615,0001,245
Sale, conversion, retirement of capital stock, net$0769
Net operating income$2,495,0402,034
2005-06-30 (YTD Data)Rank
Total interest income$5,595,0002,753
Total interest expense$1,630,0002,856
Net interest income$3,965,0002,682
Provision for loan and lease losses$06,626
Total noninterest income$1,250,0001,870
Gross Fiduciary activities income$227,000606
Service charges on deposit accounts$557,0001,516
Trading account gains and fees$0116
Additional Noninterest Income$466,0002,291
Total noninterest expense$2,904,0002,788
Salaries and employee benefits$1,829,0002,440
Premises and equipment expense$298,0003,648
Additional noninterest expense$777,0003,095
Pre-tax net operating income$2,311,0001,957
Securities gains (losses)$39,000881
Applicable income taxes$652,0001,887
Income before extraordinary items$1,698,0002,001
Extraordinary gains, net$030
Net income$1,698,0002,000
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0003,351
Cash dividends$1,077,0001,214
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,669,9201,993
2005-03-31 (YTD Data)Rank
Total interest income$2,749,0002,766
Total interest expense$778,0002,864
Net interest income$1,971,0002,677
Provision for loan and lease losses$06,226
Total noninterest income$631,0001,804
Gross Fiduciary activities income$112,000623
Service charges on deposit accounts$271,0001,504
Trading account gains and fees$0115
Additional Noninterest Income$248,0002,164
Total noninterest expense$1,355,0002,981
Salaries and employee benefits$820,0002,719
Premises and equipment expense$147,0003,704
Additional noninterest expense$388,0003,099
Pre-tax net operating income$1,247,0001,816
Securities gains (losses)$01,685
Applicable income taxes$350,0001,773
Income before extraordinary items$897,0001,891
Extraordinary gains, net$024
Net income$897,0001,892
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0002,763
Cash dividends$538,0001,145
Sale, conversion, retirement of capital stock, net$0491
Net operating income$897,0001,852
2004-12-31 (YTD Data)Rank
Total interest income$10,321,0002,750
Total interest expense$2,478,0003,078
Net interest income$7,843,0002,584
Provision for loan and lease losses$240,0003,319
Total noninterest income$2,270,0002,010
Gross Fiduciary activities income$419,000620
Service charges on deposit accounts$1,080,0001,625
Trading account gains and fees$0138
Additional Noninterest Income$771,0002,560
Total noninterest expense$5,353,0002,926
Salaries and employee benefits$3,219,0002,672
Premises and equipment expense$591,0003,574
Additional noninterest expense$1,543,0003,058
Pre-tax net operating income$4,520,0001,854
Securities gains (losses)$275,000675
Applicable income taxes$1,224,0001,873
Income before extraordinary items$3,571,0001,782
Extraordinary gains, net$034
Net income$3,571,0001,782
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$251,0002,242
Cash dividends$2,158,0001,266
Sale, conversion, retirement of capital stock, net$0872
Net operating income$3,367,5001,828
2004-09-30 (YTD Data)Rank
Total interest income$7,591,0002,769
Total interest expense$1,790,0003,116
Net interest income$5,801,0002,591
Provision for loan and lease losses$180,0003,152
Total noninterest income$1,651,0002,064
Gross Fiduciary activities income$317,000616
Service charges on deposit accounts$797,0001,658
Trading account gains and fees$0134
Additional Noninterest Income$537,0002,680
Total noninterest expense$3,969,0002,932
Salaries and employee benefits$2,422,0002,638
Premises and equipment expense$449,0003,553
Additional noninterest expense$1,098,0003,160
Pre-tax net operating income$3,303,0001,895
Securities gains (losses)$253,000671
Applicable income taxes$946,0001,865
Income before extraordinary items$2,610,0001,832
Extraordinary gains, net$026
Net income$2,610,0001,833
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$84,0003,071
Cash dividends$1,615,0001,181
Sale, conversion, retirement of capital stock, net$0738
Net operating income$2,425,3101,904
2004-06-30 (YTD Data)Rank
Total interest income$4,983,0002,795
Total interest expense$1,175,0003,135
Net interest income$3,808,0002,606
Provision for loan and lease losses$180,0002,366
Total noninterest income$1,078,0002,083
Gross Fiduciary activities income$213,000621
Service charges on deposit accounts$525,0001,667
Trading account gains and fees$0130
Additional Noninterest Income$340,0002,780
Total noninterest expense$2,645,0002,939
Salaries and employee benefits$1,632,0002,628
Premises and equipment expense$296,0003,593
Additional noninterest expense$717,0003,240
Pre-tax net operating income$2,061,0001,996
Securities gains (losses)$272,000524
Applicable income taxes$607,0001,910
Income before extraordinary items$1,726,0001,829
Extraordinary gains, net$021
Net income$1,726,0001,830
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$48,0003,087
Cash dividends$1,076,0001,184
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,524,7201,992
2004-03-31 (YTD Data)Rank
Total interest income$2,547,0002,745
Total interest expense$603,0003,104
Net interest income$1,944,0002,547
Provision for loan and lease losses$06,501
Total noninterest income$456,0002,311
Gross Fiduciary activities income$100,000646
Service charges on deposit accounts$254,0001,675
Trading account gains and fees$0121
Additional Noninterest Income$102,0003,674
Total noninterest expense$1,267,0003,063
Salaries and employee benefits$820,0002,622
Premises and equipment expense$147,0003,640
Additional noninterest expense$300,0003,750
Pre-tax net operating income$1,133,0001,814
Securities gains (losses)$141,000646
Applicable income taxes$345,0001,743
Income before extraordinary items$929,0001,693
Extraordinary gains, net$016
Net income$929,0001,693
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0002,824
Cash dividends$538,0001,123
Sale, conversion, retirement of capital stock, net$0464
Net operating income$826,0701,803
2003-12-31 (YTD Data)Rank
Total interest income$10,235,0002,772
Total interest expense$2,638,0003,209
Net interest income$7,597,0002,537
Provision for loan and lease losses$660,0001,702
Total noninterest income$1,832,0002,465
Gross Fiduciary activities income$400,000633
Service charges on deposit accounts$1,016,0001,700
Trading account gains and fees$0160
Additional Noninterest Income$416,0003,906
Total noninterest expense$4,801,0003,152
Salaries and employee benefits$2,955,0002,803
Premises and equipment expense$598,0003,529
Additional noninterest expense$1,248,0003,618
Pre-tax net operating income$3,968,0001,985
Securities gains (losses)$714,000599
Applicable income taxes$1,240,0001,895
Income before extraordinary items$3,442,0001,809
Extraordinary gains, net$054
Net income$3,442,0001,812
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$253,0002,487
Cash dividends$3,896,000811
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,913,6401,997
2003-09-30 (YTD Data)Rank
Total interest income$7,666,0002,811
Total interest expense$2,033,0003,247
Net interest income$5,633,0002,582
Provision for loan and lease losses$300,0002,501
Total noninterest income$1,338,0002,563
Gross Fiduciary activities income$292,000642
Service charges on deposit accounts$753,0001,727
Trading account gains and fees$0153
Additional Noninterest Income$293,0004,080
Total noninterest expense$3,545,0003,194
Salaries and employee benefits$2,184,0002,848
Premises and equipment expense$458,0003,471
Additional noninterest expense$903,0003,706
Pre-tax net operating income$3,126,0001,979
Securities gains (losses)$669,000573
Applicable income taxes$1,065,0001,768
Income before extraordinary items$2,730,0001,764
Extraordinary gains, net$040
Net income$2,730,0001,765
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$181,0002,327
Cash dividends$2,752,000783
Sale, conversion, retirement of capital stock, net$0722
Net operating income$2,248,3201,993
2003-06-30 (YTD Data)Rank
Total interest income$5,137,0002,812
Total interest expense$1,392,0003,268
Net interest income$3,745,0002,589
Provision for loan and lease losses$07,324
Total noninterest income$874,0002,583
Gross Fiduciary activities income$195,000645
Service charges on deposit accounts$505,0001,667
Trading account gains and fees$0150
Additional Noninterest Income$174,0004,295
Total noninterest expense$2,309,0003,264
Salaries and employee benefits$1,420,0002,927
Premises and equipment expense$293,0003,567
Additional noninterest expense$596,0003,718
Pre-tax net operating income$2,310,0001,802
Securities gains (losses)$468,000598
Applicable income taxes$799,0001,620
Income before extraordinary items$1,979,0001,637
Extraordinary gains, net$030
Net income$1,979,0001,637
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$70,0002,995
Cash dividends$2,204,000678
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,646,7201,823
2003-03-31 (YTD Data)Rank
Total interest income$2,615,0002,788
Total interest expense$717,0003,250
Net interest income$1,898,0002,561
Provision for loan and lease losses$06,934
Total noninterest income$414,0002,601
Gross Fiduciary activities income$99,000653
Service charges on deposit accounts$258,0001,588
Trading account gains and fees$0134
Additional Noninterest Income$57,0005,014
Total noninterest expense$1,136,0003,297
Salaries and employee benefits$697,0002,967
Premises and equipment expense$142,0003,648
Additional noninterest expense$297,0003,677
Pre-tax net operating income$1,176,0001,776
Securities gains (losses)$264,000554
Applicable income taxes$428,0001,544
Income before extraordinary items$1,012,0001,589
Extraordinary gains, net$021
Net income$1,012,0001,588
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0002,802
Cash dividends$205,0002,168
Sale, conversion, retirement of capital stock, net$0419
Net operating income$827,2001,804
2002-12-31 (YTD Data)Rank
Total interest income$10,655,0002,853
Total interest expense$3,160,0003,399
Net interest income$7,495,0002,554
Provision for loan and lease losses$660,0001,912
Total noninterest income$1,653,0002,459
Gross Fiduciary activities income$424,000631
Service charges on deposit accounts$999,0001,619
Trading account gains and fees$0153
Additional Noninterest Income$230,0004,752
Total noninterest expense$4,503,0003,220
Salaries and employee benefits$2,747,0002,852
Premises and equipment expense$567,0003,582
Additional noninterest expense$1,189,0003,630
Pre-tax net operating income$3,985,0001,998
Securities gains (losses)$270,000971
Applicable income taxes$1,199,0001,948
Income before extraordinary items$3,056,0001,962
Extraordinary gains, net$070
Net income$3,056,0001,961
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$387,0001,986
Cash dividends$1,305,0001,823
Sale, conversion, retirement of capital stock, net$0862
Net operating income$2,861,6002,020
2001-12-31 (YTD Data)Rank
Total interest income$11,990,0002,829
Total interest expense$5,388,0002,948
Net interest income$6,602,0002,704
Provision for loan and lease losses$500,0002,196
Total noninterest income$1,556,0002,447
Gross Fiduciary activities income$408,000656
Service charges on deposit accounts$940,0001,591
Trading account gains and fees$0177
Additional Noninterest Income$208,0004,847
Total noninterest expense$4,301,0003,208
Salaries and employee benefits$2,585,0002,865
Premises and equipment expense$581,0003,458
Additional noninterest expense$1,135,0003,678
Pre-tax net operating income$3,357,0002,047
Securities gains (losses)$87,0001,866
Applicable income taxes$912,0002,220
Income before extraordinary items$2,532,0002,061
Extraordinary gains, net$0105
Net income$2,532,0002,063
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$173,0003,125
Cash dividends$1,342,0001,817
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,467,6202,045
2000-12-31 (YTD Data)Rank
Total interest income$12,095,0002,883
Total interest expense$5,637,0002,948
Net interest income$6,458,0002,755
Provision for loan and lease losses$310,0002,759
Total noninterest income$1,284,0002,625
Gross Fiduciary activities income$412,000658
Service charges on deposit accounts$696,0001,989
Trading account gains and fees$0180
Additional Noninterest Income$176,0005,094
Total noninterest expense$3,950,0003,363
Salaries and employee benefits$2,513,0002,819
Premises and equipment expense$498,0003,804
Additional noninterest expense$939,0004,190
Pre-tax net operating income$3,482,0002,093
Securities gains (losses)$-340,0009,657
Applicable income taxes$886,0002,343
Income before extraordinary items$2,256,0002,284
Extraordinary gains, net$038
Net income$2,256,0002,284
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$200,0002,400
Cash dividends$4,270,000715
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,500,8002,081
1999-12-31 (YTD Data)Rank
Total interest income$10,678,0003,021
Total interest expense$4,825,0003,032
Net interest income$5,853,0002,989
Provision for loan and lease losses$290,0002,751
Total noninterest income$1,202,0002,684
Gross Fiduciary activities income$385,000711
Service charges on deposit accounts$654,0002,031
Trading account gains and fees$0173
Additional Noninterest Income$163,0005,408
Total noninterest expense$3,747,0003,514
Salaries and employee benefits$2,274,0003,054
Premises and equipment expense$409,0004,452
Additional noninterest expense$1,064,0003,813
Pre-tax net operating income$3,018,0002,409
Securities gains (losses)$-65,0009,859
Applicable income taxes$801,0002,639
Income before extraordinary items$2,152,0002,420
Extraordinary gains, net$035
Net income$2,152,0002,420
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$176,0002,589
Cash dividends$895,0002,484
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,199,4502,344
1998-12-31 (YTD Data)Rank
Total interest income$10,665,0003,026
Total interest expense$4,994,0003,003
Net interest income$5,671,0003,039
Provision for loan and lease losses$440,0001,913
Total noninterest income$1,180,0002,729
Gross Fiduciary activities income$364,000734
Service charges on deposit accounts$607,0002,113
Trading account gains and fees$0224
Additional Noninterest Income$209,0004,852
Total noninterest expense$3,567,0003,553
Salaries and employee benefits$2,198,0003,049
Premises and equipment expense$389,0004,524
Additional noninterest expense$980,0004,026
Pre-tax net operating income$2,844,0002,498
Securities gains (losses)$10,0002,952
Applicable income taxes$811,0002,711
Income before extraordinary items$2,043,0002,496
Extraordinary gains, net$032
Net income$2,043,0002,495
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$190,0002,532
Cash dividends$844,0002,515
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,035,8002,429
1997-12-31 (YTD Data)Rank
Total interest income$10,508,0003,085
Total interest expense$4,957,0003,004
Net interest income$5,551,0003,151
Provision for loan and lease losses$400,0002,088
Total noninterest income$1,232,0002,571
Gross Fiduciary activities income$410,000725
Service charges on deposit accounts$606,0002,164
Trading account gains and fees$0239
Additional Noninterest Income$216,0004,771
Total noninterest expense$3,471,0003,636
Salaries and employee benefits$2,116,0003,125
Premises and equipment expense$416,0004,318
Additional noninterest expense$939,0004,142
Pre-tax net operating income$2,912,0002,555
Securities gains (losses)$-17,00010,300
Applicable income taxes$879,0002,714
Income before extraordinary items$2,016,0002,567
Extraordinary gains, net$044
Net income$2,016,0002,566
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$178,0002,726
Cash dividends$954,0002,286
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,027,9002,502
1996-12-31 (YTD Data)Rank
Total interest income$10,397,0003,164
Total interest expense$4,892,0003,064
Net interest income$5,505,0003,213
Provision for loan and lease losses$200,0003,395
Total noninterest income$1,078,0002,947
Gross Fiduciary activities income$307,000851
Service charges on deposit accounts$556,0002,447
Trading account gains and fees$0262
Additional Noninterest Income$215,0004,984
Total noninterest expense$3,670,0003,607
Salaries and employee benefits$2,213,0003,016
Premises and equipment expense$408,0004,461
Additional noninterest expense$1,049,0004,240
Pre-tax net operating income$2,713,0002,578
Securities gains (losses)$3,0003,304
Applicable income taxes$867,0002,654
Income before extraordinary items$1,849,0002,629
Extraordinary gains, net$053
Net income$1,849,0002,631
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$192,0002,749
Cash dividends$789,0002,544
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,846,9602,589
1995-12-31 (YTD Data)Rank
Total interest income$9,990,0003,285
Total interest expense$4,797,0003,133
Net interest income$5,193,0003,408
Provision for loan and lease losses$5,0008,671
Total noninterest income$1,025,0003,048
Gross Fiduciary activities income$306,000891
Service charges on deposit accounts$513,0002,642
Trading account gains and fees$0522
Additional Noninterest Income$206,0005,048
Total noninterest expense$3,678,0003,578
Salaries and employee benefits$2,057,0003,234
Premises and equipment expense$423,0004,322
Additional noninterest expense$1,198,0003,743
Pre-tax net operating income$2,535,0002,805
Securities gains (losses)$03,831
Applicable income taxes$788,0002,907
Income before extraordinary items$1,747,0002,820
Extraordinary gains, net$065
Net income$1,747,0002,818
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$120,0003,382
Cash dividends$769,0002,498
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,747,0002,784
1994-12-31 (YTD Data)Rank
Total interest income$8,849,0003,395
Total interest expense$3,456,0003,487
Net interest income$5,393,0003,324
Provision for loan and lease losses$09,146
Total noninterest income$945,0003,240
Gross Fiduciary activities income$322,000880
Service charges on deposit accounts$452,0003,045
Trading account gains and fees$0475
Additional Noninterest Income$171,0005,800
Total noninterest expense$3,763,0003,611
Salaries and employee benefits$2,117,0003,113
Premises and equipment expense$385,0004,739
Additional noninterest expense$1,261,0003,880
Pre-tax net operating income$2,575,0002,750
Securities gains (losses)$3,0002,889
Applicable income taxes$790,0002,800
Income before extraordinary items$1,788,0002,708
Extraordinary gains, net$0249
Net income$1,788,0002,707
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$166,0002,815
Cash dividends$747,0002,417
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,785,9302,726
1993-12-31 (YTD Data)Rank
Total interest income$9,515,0003,252
Total interest expense$3,248,0003,844
Net interest income$6,267,0002,906
Provision for loan and lease losses$86,0006,164
Total noninterest income$772,0004,105
Gross Fiduciary activities income$305,000929
Service charges on deposit accounts$326,0004,124
Trading account gains and fees$0532
Additional Noninterest Income$141,0006,763
Total noninterest expense$3,819,0003,630
Salaries and employee benefits$1,984,0003,310
Premises and equipment expense$364,0005,080
Additional noninterest expense$1,471,0003,565
Pre-tax net operating income$3,134,0002,176
Securities gains (losses)$07,477
Applicable income taxes$965,0002,343
Income before extraordinary items$2,169,0002,306
Extraordinary gains, net$198,0001,028
Net income$2,367,0002,198
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$307,0002,442
Cash dividends$743,0002,297
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,169,0002,172
1992-12-31 (YTD Data)Rank
Total interest income$10,816,0003,239
Total interest expense$4,425,0003,702
Net interest income$6,391,0002,862
Provision for loan and lease losses$644,0002,512
Total noninterest income$751,0004,160
Gross Fiduciary activities income$236,0001,039
Service charges on deposit accounts$325,0004,174
Trading account gains and fees$0504
Additional Noninterest Income$190,0005,835
Total noninterest expense$3,562,0003,871
Salaries and employee benefits$1,795,0003,569
Premises and equipment expense$374,0005,066
Additional noninterest expense$1,393,0003,806
Pre-tax net operating income$2,936,0002,120
Securities gains (losses)$48,0004,198
Applicable income taxes$904,0002,313
Income before extraordinary items$2,080,0002,204
Extraordinary gains, net$01,422
Net income$2,080,0002,232
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$358,0003,016
Cash dividends$689,0002,175
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,046,4002,053

* 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.