Home > United Central Bank > Income and Expense

United Central Bank, Income and Expense

2014-06-30 (YTD Data)Rank
Total interest income$26,622,000463
Total interest expense$5,946,000239
Net interest income$20,676,000531
Provision for loan and lease losses$-8,920,0006,643
Total noninterest income$16,785,000259
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$2,247,000324
Trading account gains and fees$0172
Additional Noninterest Income$14,538,000205
Total noninterest expense$48,534,000241
Salaries and employee benefits$12,514,000449
Premises and equipment expense$3,514,000382
Additional noninterest expense$32,506,000159
Pre-tax net operating income$-2,153,0006,630
Securities gains (losses)$1,087,000114
Applicable income taxes$59,0003,348
Income before extraordinary items$-1,125,0006,585
Extraordinary gains, net$020
Net income$-1,125,0006,585
Minority interest net income$080
Net income of bank and minority interests.$-1,125,0006,585
Net charge-offs$9,146,00091
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$0794
Net operating income$-2,212,0006,626
2014-03-31 (YTD Data)Rank
Total interest income$13,999,000445
Total interest expense$3,014,000239
Net interest income$10,985,000494
Provision for loan and lease losses$-6,544,0006,720
Total noninterest income$11,413,000213
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$1,162,000314
Trading account gains and fees$0147
Additional Noninterest Income$10,251,000161
Total noninterest expense$23,990,000246
Salaries and employee benefits$6,072,000461
Premises and equipment expense$1,829,000377
Additional noninterest expense$16,089,000162
Pre-tax net operating income$4,952,000440
Securities gains (losses)$01,715
Applicable income taxes$1,519,000424
Income before extraordinary items$3,433,000471
Extraordinary gains, net$016
Net income$3,433,000470
Minority interest net income$066
Net income of bank and minority interests.$3,433,000471
Net charge-offs$1,684,000198
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$3,433,000460
2013-12-31 (YTD Data)Rank
Total interest income$66,153,000389
Total interest expense$16,792,000194
Net interest income$49,361,000439
Provision for loan and lease losses$634,0001,580
Total noninterest income$29,971,000297
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$5,395,000290
Trading account gains and fees$0184
Additional Noninterest Income$24,576,000247
Total noninterest expense$80,383,000290
Salaries and employee benefits$24,684,000451
Premises and equipment expense$7,003,000374
Additional noninterest expense$48,696,000199
Pre-tax net operating income$-1,685,0006,639
Securities gains (losses)$03,182
Applicable income taxes$1,948,000924
Income before extraordinary items$-3,633,0006,734
Extraordinary gains, net$029
Net income$-3,633,0006,734
Minority interest net income$090
Net income of bank and minority interests.$-3,633,0006,734
Net charge-offs$13,657,000145
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$0924
Net operating income$-3,633,0006,732
2013-09-30 (YTD Data)Rank
Total interest income$51,374,000382
Total interest expense$13,374,000187
Net interest income$38,000,000432
Provision for loan and lease losses$3,101,000322
Total noninterest income$23,180,000301
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$4,123,000288
Trading account gains and fees$0180
Additional Noninterest Income$19,057,000252
Total noninterest expense$50,479,000338
Salaries and employee benefits$18,543,000454
Premises and equipment expense$5,152,000381
Additional noninterest expense$26,784,000236
Pre-tax net operating income$7,600,000772
Securities gains (losses)$03,040
Applicable income taxes$3,047,000543
Income before extraordinary items$4,553,0001,028
Extraordinary gains, net$025
Net income$4,553,0001,031
Minority interest net income$084
Net income of bank and minority interests.$4,553,0001,031
Net charge-offs$13,279,000116
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0868
Net operating income$4,553,0001,002
2013-06-30 (YTD Data)Rank
Total interest income$35,812,000365
Total interest expense$9,268,000186
Net interest income$26,544,000418
Provision for loan and lease losses$2,145,000330
Total noninterest income$16,690,000291
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$2,305,000325
Trading account gains and fees$0157
Additional Noninterest Income$14,385,000238
Total noninterest expense$35,207,000322
Salaries and employee benefits$12,908,000438
Premises and equipment expense$3,704,000351
Additional noninterest expense$18,595,000233
Pre-tax net operating income$5,882,000671
Securities gains (losses)$02,791
Applicable income taxes$2,148,000512
Income before extraordinary items$3,734,000828
Extraordinary gains, net$022
Net income$3,734,000828
Minority interest net income$082
Net income of bank and minority interests.$3,734,000830
Net charge-offs$12,322,00097
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$0838
Net operating income$3,734,000806
2013-03-31 (YTD Data)Rank
Total interest income$18,807,000352
Total interest expense$4,879,000180
Net interest income$13,928,000403
Provision for loan and lease losses$-741,0006,967
Total noninterest income$3,131,000591
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$1,165,000314
Trading account gains and fees$0148
Additional Noninterest Income$1,966,000590
Total noninterest expense$15,940,000361
Salaries and employee benefits$6,570,000436
Premises and equipment expense$1,851,000348
Additional noninterest expense$7,519,000276
Pre-tax net operating income$1,860,000990
Securities gains (losses)$01,966
Applicable income taxes$648,000739
Income before extraordinary items$1,212,0001,234
Extraordinary gains, net$010
Net income$1,212,0001,236
Minority interest net income$076
Net income of bank and minority interests.$1,212,0001,236
Net charge-offs$7,635,00096
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$0789
Net operating income$1,212,0001,179
2012-12-31 (YTD Data)Rank
Total interest income$91,543,000305
Total interest expense$23,469,000177
Net interest income$68,074,000344
Provision for loan and lease losses$-509,0006,989
Total noninterest income$18,094,000454
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$4,579,000335
Trading account gains and fees$0166
Additional Noninterest Income$13,515,000403
Total noninterest expense$107,767,000223
Salaries and employee benefits$26,864,000409
Premises and equipment expense$9,192,000281
Additional noninterest expense$71,711,000154
Pre-tax net operating income$-21,090,0007,055
Securities gains (losses)$03,810
Applicable income taxes$-4,430,0007,044
Income before extraordinary items$-16,660,0007,047
Extraordinary gains, net$029
Net income$-16,660,0007,047
Minority interest net income$093
Net income of bank and minority interests.$-16,660,0007,047
Net charge-offs$22,800,000165
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$-16,660,0007,044
2012-09-30 (YTD Data)Rank
Total interest income$72,943,000291
Total interest expense$18,177,000185
Net interest income$54,766,000326
Provision for loan and lease losses$2,355,000743
Total noninterest income$10,313,000537
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$3,292,000353
Trading account gains and fees$0157
Additional Noninterest Income$7,021,000506
Total noninterest expense$62,835,000279
Salaries and employee benefits$20,095,000406
Premises and equipment expense$6,350,000296
Additional noninterest expense$36,390,000202
Pre-tax net operating income$-111,0006,441
Securities gains (losses)$7,0003,196
Applicable income taxes$-136,0006,936
Income before extraordinary items$32,0006,327
Extraordinary gains, net$020
Net income$32,0006,326
Minority interest net income$086
Net income of bank and minority interests.$32,0006,326
Net charge-offs$12,826,000209
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$0952
Net operating income$27,5206,207
2012-06-30 (YTD Data)Rank
Total interest income$49,802,000291
Total interest expense$12,513,000186
Net interest income$37,289,000322
Provision for loan and lease losses$456,0001,903
Total noninterest income$7,776,000480
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$2,084,000367
Trading account gains and fees$0153
Additional Noninterest Income$5,692,000430
Total noninterest expense$38,610,000293
Salaries and employee benefits$13,899,000390
Premises and equipment expense$4,242,000298
Additional noninterest expense$20,469,000223
Pre-tax net operating income$5,999,000622
Securities gains (losses)$8,0002,780
Applicable income taxes$2,719,000421
Income before extraordinary items$3,288,000923
Extraordinary gains, net$019
Net income$3,288,000922
Minority interest net income$084
Net income of bank and minority interests.$3,288,000923
Net charge-offs$5,798,000300
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$0928
Net operating income$3,282,880870
2012-03-31 (YTD Data)Rank
Total interest income$25,899,000280
Total interest expense$6,552,000184
Net interest income$19,347,000306
Provision for loan and lease losses$1,643,000422
Total noninterest income$5,856,000361
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$1,026,000368
Trading account gains and fees$0148
Additional Noninterest Income$4,830,000292
Total noninterest expense$19,709,000286
Salaries and employee benefits$7,492,000361
Premises and equipment expense$2,181,000295
Additional noninterest expense$10,036,000222
Pre-tax net operating income$3,851,000512
Securities gains (losses)$02,210
Applicable income taxes$2,065,000314
Income before extraordinary items$1,786,000844
Extraordinary gains, net$019
Net income$1,786,000843
Minority interest net income$078
Net income of bank and minority interests.$1,786,000845
Net charge-offs$2,375,000353
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$1,786,000790
2011-12-31 (YTD Data)Rank
Total interest income$111,292,000270
Total interest expense$29,674,000194
Net interest income$81,618,000288
Provision for loan and lease losses$88,098,00069
Total noninterest income$52,803,000180
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$5,166,000308
Trading account gains and fees$0146
Additional Noninterest Income$47,637,000151
Total noninterest expense$76,146,000288
Salaries and employee benefits$27,320,000373
Premises and equipment expense$9,469,000279
Additional noninterest expense$39,357,000230
Pre-tax net operating income$-29,823,0007,323
Securities gains (losses)$2,561,000192
Applicable income taxes$-8,471,0007,332
Income before extraordinary items$-18,791,0007,288
Extraordinary gains, net$029
Net income$-18,791,0007,288
Minority interest net income$096
Net income of bank and minority interests.$-18,791,0007,288
Net charge-offs$49,334,000125
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$-20,558,0907,293
2011-09-30 (YTD Data)Rank
Total interest income$85,929,000257
Total interest expense$22,402,000200
Net interest income$63,527,000280
Provision for loan and lease losses$10,683,000304
Total noninterest income$11,253,000456
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$4,071,000298
Trading account gains and fees$0145
Additional Noninterest Income$7,182,000445
Total noninterest expense$52,158,000306
Salaries and employee benefits$19,533,000389
Premises and equipment expense$6,859,000295
Additional noninterest expense$25,766,000245
Pre-tax net operating income$11,939,000446
Securities gains (losses)$2,561,000157
Applicable income taxes$6,181,000296
Income before extraordinary items$8,319,000501
Extraordinary gains, net$021
Net income$8,319,000500
Minority interest net income$087
Net income of bank and minority interests.$8,319,000501
Net charge-offs$14,250,000263
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$6,679,960589
2011-06-30 (YTD Data)Rank
Total interest income$58,676,000259
Total interest expense$15,113,000208
Net interest income$43,563,000278
Provision for loan and lease losses$5,963,000364
Total noninterest income$10,713,000359
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$2,834,000281
Trading account gains and fees$0153
Additional Noninterest Income$7,879,000317
Total noninterest expense$34,688,000312
Salaries and employee benefits$13,328,000384
Premises and equipment expense$4,615,000297
Additional noninterest expense$16,745,000255
Pre-tax net operating income$13,625,000282
Securities gains (losses)$2,561,00093
Applicable income taxes$6,165,000213
Income before extraordinary items$10,021,000297
Extraordinary gains, net$015
Net income$10,021,000298
Minority interest net income$089
Net income of bank and minority interests.$10,021,000298
Net charge-offs$6,695,000363
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$8,381,960330
2011-03-31 (YTD Data)Rank
Total interest income$29,968,000256
Total interest expense$7,526,000217
Net interest income$22,442,000272
Provision for loan and lease losses$2,385,000446
Total noninterest income$5,937,000334
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$1,446,000274
Trading account gains and fees$0158
Additional Noninterest Income$4,491,000293
Total noninterest expense$18,282,000300
Salaries and employee benefits$6,911,000373
Premises and equipment expense$2,377,000296
Additional noninterest expense$8,994,000248
Pre-tax net operating income$7,712,000267
Securities gains (losses)$01,772
Applicable income taxes$2,762,000234
Income before extraordinary items$4,950,000300
Extraordinary gains, net$09
Net income$4,950,000299
Minority interest net income$086
Net income of bank and minority interests.$4,950,000300
Net charge-offs$5,160,000267
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$4,950,000289
2010-12-31 (YTD Data)Rank
Total interest income$121,845,000255
Total interest expense$39,204,000196
Net interest income$82,641,000284
Provision for loan and lease losses$54,704,000166
Total noninterest income$30,767,000285
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$6,186,000259
Trading account gains and fees$0175
Additional Noninterest Income$24,581,000252
Total noninterest expense$74,479,000294
Salaries and employee benefits$28,168,000348
Premises and equipment expense$9,085,000299
Additional noninterest expense$37,226,000251
Pre-tax net operating income$-15,775,0007,466
Securities gains (losses)$343,0001,150
Applicable income taxes$-2,568,0007,498
Income before extraordinary items$-12,864,0007,443
Extraordinary gains, net$029
Net income$-12,864,0007,443
Minority interest net income$0111
Net income of bank and minority interests.$-12,864,0007,443
Net charge-offs$25,522,000276
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$-13,148,6907,437
2010-09-30 (YTD Data)Rank
Total interest income$97,499,000244
Total interest expense$31,187,000189
Net interest income$66,312,000265
Provision for loan and lease losses$6,850,000685
Total noninterest income$12,062,000447
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$4,541,000263
Trading account gains and fees$0165
Additional Noninterest Income$7,521,000434
Total noninterest expense$43,109,000372
Salaries and employee benefits$20,083,000363
Premises and equipment expense$7,298,000282
Additional noninterest expense$15,728,000373
Pre-tax net operating income$28,415,000186
Securities gains (losses)$343,000980
Applicable income taxes$10,519,000165
Income before extraordinary items$18,239,000211
Extraordinary gains, net$023
Net income$18,239,000212
Minority interest net income$0110
Net income of bank and minority interests.$18,239,000213
Net charge-offs$8,204,000535
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$18,019,480209
2010-06-30 (YTD Data)Rank
Total interest income$63,559,000253
Total interest expense$21,957,000187
Net interest income$41,602,000280
Provision for loan and lease losses$3,600,000823
Total noninterest income$9,086,000399
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$3,008,000266
Trading account gains and fees$0152
Additional Noninterest Income$6,078,000373
Total noninterest expense$28,713,000376
Salaries and employee benefits$13,831,000345
Premises and equipment expense$5,023,000264
Additional noninterest expense$9,859,000384
Pre-tax net operating income$18,375,000184
Securities gains (losses)$12,0002,543
Applicable income taxes$6,865,000158
Income before extraordinary items$11,522,000210
Extraordinary gains, net$019
Net income$11,522,000210
Minority interest net income$0105
Net income of bank and minority interests.$11,522,000210
Net charge-offs$5,721,000523
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$11,514,320209
2010-03-31 (YTD Data)Rank
Total interest income$32,247,000261
Total interest expense$11,532,000191
Net interest income$20,715,000283
Provision for loan and lease losses$1,800,000801
Total noninterest income$5,969,000333
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$1,484,000266
Trading account gains and fees$0175
Additional Noninterest Income$4,485,000288
Total noninterest expense$13,057,000405
Salaries and employee benefits$6,465,000378
Premises and equipment expense$2,423,000295
Additional noninterest expense$4,169,000447
Pre-tax net operating income$11,827,000152
Securities gains (losses)$6,0001,850
Applicable income taxes$4,069,000144
Income before extraordinary items$7,764,000167
Extraordinary gains, net$016
Net income$7,764,000169
Minority interest net income$091
Net income of bank and minority interests.$7,764,000169
Net charge-offs$4,085,000394
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$7,760,040162
2009-12-31 (YTD Data)Rank
Total interest income$91,822,000365
Total interest expense$39,995,000283
Net interest income$51,827,000417
Provision for loan and lease losses$40,850,000294
Total noninterest income$165,747,000105
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$5,262,000331
Trading account gains and fees$0211
Additional Noninterest Income$160,485,00086
Total noninterest expense$55,913,000404
Salaries and employee benefits$26,217,000370
Premises and equipment expense$7,040,000382
Additional noninterest expense$22,656,000396
Pre-tax net operating income$120,811,00067
Securities gains (losses)$879,000551
Applicable income taxes$43,399,00065
Income before extraordinary items$78,291,00073
Extraordinary gains, net$034
Net income$78,291,00071
Minority interest net income$0115
Net income of bank and minority interests.$78,291,00071
Net charge-offs$16,400,000468
Cash dividends$623,0002,263
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$77,728,44073
2009-09-30 (YTD Data)Rank
Total interest income$58,617,000446
Total interest expense$26,897,000341
Net interest income$31,720,000514
Provision for loan and lease losses$24,900,000344
Total noninterest income$162,247,00090
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$3,698,000348
Trading account gains and fees$0212
Additional Noninterest Income$158,549,00071
Total noninterest expense$32,890,000493
Salaries and employee benefits$15,001,000499
Premises and equipment expense$4,311,000474
Additional noninterest expense$13,578,000451
Pre-tax net operating income$136,177,00056
Securities gains (losses)$-625,0007,783
Applicable income taxes$45,968,00060
Income before extraordinary items$89,584,00061
Extraordinary gains, net$027
Net income$89,584,00061
Minority interest net income$0118
Net income of bank and minority interests.$89,584,00061
Net charge-offs$15,478,000375
Cash dividends$623,0001,752
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$89,996,50059
2009-06-30 (YTD Data)Rank
Total interest income$27,584,000628
Total interest expense$13,950,000462
Net interest income$13,634,000794
Provision for loan and lease losses$2,800,0001,140
Total noninterest income$4,710,000679
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$2,291,000369
Trading account gains and fees$0193
Additional Noninterest Income$2,419,000759
Total noninterest expense$16,253,000659
Salaries and employee benefits$8,806,000562
Premises and equipment expense$2,497,000556
Additional noninterest expense$4,950,000784
Pre-tax net operating income$-709,0006,819
Securities gains (losses)$56,0001,844
Applicable income taxes$-392,0007,513
Income before extraordinary items$-261,0006,491
Extraordinary gains, net$021
Net income$-261,0006,490
Minority interest net income$0112
Net income of bank and minority interests.$-261,0006,490
Net charge-offs$1,829,0001,186
Cash dividends$623,0001,382
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-296,8406,523
2009-03-31 (YTD Data)Rank
Total interest income$13,079,000663
Total interest expense$6,950,000478
Net interest income$6,129,000879
Provision for loan and lease losses$1,300,0001,004
Total noninterest income$1,932,000764
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$1,078,000374
Trading account gains and fees$0171
Additional Noninterest Income$854,000954
Total noninterest expense$7,925,000648
Salaries and employee benefits$4,473,000562
Premises and equipment expense$1,264,000556
Additional noninterest expense$2,188,000772
Pre-tax net operating income$-1,164,0007,677
Securities gains (losses)$36,0001,437
Applicable income taxes$-441,0007,871
Income before extraordinary items$-687,0007,578
Extraordinary gains, net$015
Net income$-687,0007,579
Minority interest net income$0102
Net income of bank and minority interests.$-687,0007,579
Net charge-offs$812,0001,068
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-710,0407,575
2008-12-31 (YTD Data)Rank
Total interest income$57,056,000647
Total interest expense$26,502,000593
Net interest income$30,554,000706
Provision for loan and lease losses$5,585,000942
Total noninterest income$10,486,000566
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$4,485,000391
Trading account gains and fees$0154
Additional Noninterest Income$6,001,000560
Total noninterest expense$30,220,000659
Salaries and employee benefits$17,766,000541
Premises and equipment expense$4,421,000629
Additional noninterest expense$8,033,000823
Pre-tax net operating income$5,235,0001,061
Securities gains (losses)$11,0002,474
Applicable income taxes$2,152,000639
Income before extraordinary items$3,094,0001,319
Extraordinary gains, net$039
Net income$3,094,0001,321
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,935,0001,018
Cash dividends$1,057,0002,209
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$3,086,9601,426
2008-09-30 (YTD Data)Rank
Total interest income$42,813,000672
Total interest expense$19,782,000636
Net interest income$23,031,000730
Provision for loan and lease losses$3,350,000840
Total noninterest income$8,825,000552
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$3,385,000392
Trading account gains and fees$0148
Additional Noninterest Income$5,440,000519
Total noninterest expense$21,717,000680
Salaries and employee benefits$13,126,000568
Premises and equipment expense$3,061,000679
Additional noninterest expense$5,530,000840
Pre-tax net operating income$6,789,000741
Securities gains (losses)$11,0002,331
Applicable income taxes$2,388,000561
Income before extraordinary items$4,412,000832
Extraordinary gains, net$031
Net income$4,412,000831
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,883,000861
Cash dividends$793,0002,119
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$4,404,850887
2008-06-30 (YTD Data)Rank
Total interest income$28,493,000681
Total interest expense$13,546,000640
Net interest income$14,947,000737
Provision for loan and lease losses$2,200,000732
Total noninterest income$4,640,000675
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$2,297,000377
Trading account gains and fees$0149
Additional Noninterest Income$2,343,000753
Total noninterest expense$14,019,000698
Salaries and employee benefits$8,891,000559
Premises and equipment expense$1,960,000704
Additional noninterest expense$3,168,000936
Pre-tax net operating income$3,368,0001,066
Securities gains (losses)$11,0002,404
Applicable income taxes$1,141,000844
Income before extraordinary items$2,238,0001,240
Extraordinary gains, net$021
Net income$2,238,0001,241
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$778,000995
Cash dividends$529,0002,198
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$2,230,7401,226
2008-03-31 (YTD Data)Rank
Total interest income$14,769,000675
Total interest expense$6,892,000668
Net interest income$7,877,000701
Provision for loan and lease losses$1,300,000531
Total noninterest income$2,802,000591
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$1,426,000312
Trading account gains and fees$0158
Additional Noninterest Income$1,376,000653
Total noninterest expense$7,023,000682
Salaries and employee benefits$4,076,000618
Premises and equipment expense$966,000726
Additional noninterest expense$1,981,000730
Pre-tax net operating income$2,356,000815
Securities gains (losses)$02,688
Applicable income taxes$813,000683
Income before extraordinary items$1,543,000974
Extraordinary gains, net$015
Net income$1,543,000976
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$205,0001,253
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$1,543,000930
2007-12-31 (YTD Data)Rank
Total interest income$59,320,000701
Total interest expense$26,447,000739
Net interest income$32,873,000679
Provision for loan and lease losses$2,700,000670
Total noninterest income$12,841,000521
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$5,070,000351
Trading account gains and fees$0178
Additional Noninterest Income$7,771,000484
Total noninterest expense$27,913,000675
Salaries and employee benefits$16,848,000576
Premises and equipment expense$3,514,000762
Additional noninterest expense$7,551,000763
Pre-tax net operating income$15,101,000588
Securities gains (losses)$02,146
Applicable income taxes$4,999,000549
Income before extraordinary items$10,102,000644
Extraordinary gains, net$039
Net income$10,102,000643
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,575,000733
Cash dividends$1,106,0002,467
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$10,102,000631
2007-09-30 (YTD Data)Rank
Total interest income$43,879,000701
Total interest expense$19,322,000760
Net interest income$24,557,000685
Provision for loan and lease losses$2,100,000499
Total noninterest income$10,121,000505
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$3,815,000343
Trading account gains and fees$0184
Additional Noninterest Income$6,306,000468
Total noninterest expense$20,566,000673
Salaries and employee benefits$12,434,000584
Premises and equipment expense$2,485,000803
Additional noninterest expense$5,647,000753
Pre-tax net operating income$12,012,000592
Securities gains (losses)$01,655
Applicable income taxes$3,986,000556
Income before extraordinary items$8,026,000654
Extraordinary gains, net$033
Net income$8,026,000652
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,358,000534
Cash dividends$830,0002,264
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$8,026,000641
2007-06-30 (YTD Data)Rank
Total interest income$28,316,000734
Total interest expense$12,552,000791
Net interest income$15,764,000719
Provision for loan and lease losses$1,500,000417
Total noninterest income$6,797,000519
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$2,636,000343
Trading account gains and fees$0168
Additional Noninterest Income$4,161,000494
Total noninterest expense$13,478,000702
Salaries and employee benefits$7,925,000622
Premises and equipment expense$1,654,000820
Additional noninterest expense$3,899,000731
Pre-tax net operating income$7,583,000657
Securities gains (losses)$01,444
Applicable income taxes$2,536,000599
Income before extraordinary items$5,047,000724
Extraordinary gains, net$029
Net income$5,047,000723
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$748,000547
Cash dividends$553,0002,313
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$5,047,000716
2007-03-31 (YTD Data)Rank
Total interest income$14,203,000732
Total interest expense$6,463,000754
Net interest income$7,740,000726
Provision for loan and lease losses$600,000449
Total noninterest income$3,316,000516
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$1,380,000320
Trading account gains and fees$0195
Additional Noninterest Income$1,936,000512
Total noninterest expense$6,585,000711
Salaries and employee benefits$3,710,000680
Premises and equipment expense$896,000761
Additional noninterest expense$1,979,000703
Pre-tax net operating income$3,871,000635
Securities gains (losses)$01,187
Applicable income taxes$1,354,000576
Income before extraordinary items$2,517,000714
Extraordinary gains, net$022
Net income$2,517,000713
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$220,000689
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$2,517,000705
2006-12-31 (YTD Data)Rank
Total interest income$43,648,000894
Total interest expense$16,191,0001,025
Net interest income$27,457,000808
Provision for loan and lease losses$3,000,000373
Total noninterest income$11,581,000547
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$5,488,000324
Trading account gains and fees$0130
Additional Noninterest Income$6,093,000589
Total noninterest expense$22,547,000784
Salaries and employee benefits$13,485,000691
Premises and equipment expense$2,710,000920
Additional noninterest expense$6,352,000841
Pre-tax net operating income$13,491,000750
Securities gains (losses)$01,687
Applicable income taxes$4,490,000691
Income before extraordinary items$9,001,000825
Extraordinary gains, net$051
Net income$9,001,000824
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$852,000793
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$9,001,000815
2006-09-30 (YTD Data)Rank
Total interest income$29,854,000981
Total interest expense$9,921,0001,242
Net interest income$19,933,000846
Provision for loan and lease losses$2,100,000382
Total noninterest income$8,600,000564
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$4,116,000330
Trading account gains and fees$0126
Additional Noninterest Income$4,484,000601
Total noninterest expense$16,360,000820
Salaries and employee benefits$9,685,000740
Premises and equipment expense$1,929,000984
Additional noninterest expense$4,746,000852
Pre-tax net operating income$10,073,000784
Securities gains (losses)$01,388
Applicable income taxes$3,344,000726
Income before extraordinary items$6,729,000866
Extraordinary gains, net$045
Net income$6,729,000865
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$548,000748
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$6,729,000856
2006-06-30 (YTD Data)Rank
Total interest income$18,335,0001,050
Total interest expense$5,728,0001,357
Net interest income$12,607,000895
Provision for loan and lease losses$1,300,000395
Total noninterest income$5,435,000589
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$2,764,000322
Trading account gains and fees$0126
Additional Noninterest Income$2,671,000643
Total noninterest expense$10,359,000866
Salaries and employee benefits$6,304,000767
Premises and equipment expense$1,242,0001,018
Additional noninterest expense$2,813,000954
Pre-tax net operating income$6,383,000816
Securities gains (losses)$01,185
Applicable income taxes$2,107,000766
Income before extraordinary items$4,276,000909
Extraordinary gains, net$039
Net income$4,276,000910
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$406,000665
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$4,276,000891
2006-03-31 (YTD Data)Rank
Total interest income$8,503,0001,106
Total interest expense$2,655,0001,385
Net interest income$5,848,000969
Provision for loan and lease losses$600,000400
Total noninterest income$2,640,000593
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,406,000302
Trading account gains and fees$0115
Additional Noninterest Income$1,234,000688
Total noninterest expense$4,835,000929
Salaries and employee benefits$3,016,000803
Premises and equipment expense$587,0001,093
Additional noninterest expense$1,232,0001,086
Pre-tax net operating income$3,053,000834
Securities gains (losses)$0955
Applicable income taxes$1,008,000783
Income before extraordinary items$2,045,000929
Extraordinary gains, net$021
Net income$2,045,000928
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$309,000452
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$2,045,000908
2005-12-31 (YTD Data)Rank
Total interest income$27,357,0001,225
Total interest expense$8,158,0001,388
Net interest income$19,199,0001,128
Provision for loan and lease losses$2,750,000387
Total noninterest income$10,792,000586
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$4,933,000342
Trading account gains and fees$0138
Additional Noninterest Income$5,859,000612
Total noninterest expense$16,635,0001,027
Salaries and employee benefits$9,957,000916
Premises and equipment expense$2,050,0001,203
Additional noninterest expense$4,628,0001,104
Pre-tax net operating income$10,606,000931
Securities gains (losses)$02,296
Applicable income taxes$3,505,000855
Income before extraordinary items$7,101,0001,024
Extraordinary gains, net$046
Net income$7,101,0001,024
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,613,000318
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$7,101,0001,002
2005-09-30 (YTD Data)Rank
Total interest income$19,221,0001,265
Total interest expense$5,597,0001,437
Net interest income$13,624,0001,163
Provision for loan and lease losses$2,150,000354
Total noninterest income$8,192,000588
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$3,579,000358
Trading account gains and fees$0126
Additional Noninterest Income$4,613,000596
Total noninterest expense$11,951,0001,054
Salaries and employee benefits$7,177,000942
Premises and equipment expense$1,529,0001,183
Additional noninterest expense$3,245,0001,170
Pre-tax net operating income$7,715,000954
Securities gains (losses)$02,317
Applicable income taxes$2,552,000889
Income before extraordinary items$5,163,0001,042
Extraordinary gains, net$035
Net income$5,163,0001,042
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,128,000287
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$5,163,0001,023
2005-06-30 (YTD Data)Rank
Total interest income$12,130,0001,295
Total interest expense$3,286,0001,530
Net interest income$8,844,0001,194
Provision for loan and lease losses$1,500,000342
Total noninterest income$4,950,000628
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$2,314,000361
Trading account gains and fees$0116
Additional Noninterest Income$2,636,000651
Total noninterest expense$7,658,0001,094
Salaries and employee benefits$4,606,000975
Premises and equipment expense$989,0001,218
Additional noninterest expense$2,063,0001,218
Pre-tax net operating income$4,636,0001,019
Securities gains (losses)$02,146
Applicable income taxes$1,529,000938
Income before extraordinary items$3,107,0001,131
Extraordinary gains, net$030
Net income$3,107,0001,131
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,507,000275
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$3,107,0001,108
2005-03-31 (YTD Data)Rank
Total interest income$5,574,0001,387
Total interest expense$1,477,0001,611
Net interest income$4,097,0001,304
Provision for loan and lease losses$650,000373
Total noninterest income$2,503,000608
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$1,122,000356
Trading account gains and fees$0115
Additional Noninterest Income$1,381,000625
Total noninterest expense$3,674,0001,134
Salaries and employee benefits$2,228,0001,002
Premises and equipment expense$478,0001,257
Additional noninterest expense$968,0001,279
Pre-tax net operating income$2,276,0001,021
Securities gains (losses)$01,685
Applicable income taxes$751,000949
Income before extraordinary items$1,525,0001,131
Extraordinary gains, net$024
Net income$1,525,0001,132
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$281,000542
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$1,525,0001,107
2004-12-31 (YTD Data)Rank
Total interest income$19,699,0001,460
Total interest expense$4,726,0001,727
Net interest income$14,973,0001,353
Provision for loan and lease losses$1,420,000754
Total noninterest income$8,485,000687
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$3,878,000458
Trading account gains and fees$0138
Additional Noninterest Income$4,607,000705
Total noninterest expense$14,735,0001,102
Salaries and employee benefits$8,293,0001,040
Premises and equipment expense$1,746,0001,324
Additional noninterest expense$4,696,0001,063
Pre-tax net operating income$7,303,0001,188
Securities gains (losses)$03,819
Applicable income taxes$2,388,0001,092
Income before extraordinary items$4,915,0001,319
Extraordinary gains, net$034
Net income$4,915,0001,320
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$703,000999
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$4,915,0001,286
2004-09-30 (YTD Data)Rank
Total interest income$14,197,0001,509
Total interest expense$3,407,0001,760
Net interest income$10,790,0001,387
Provision for loan and lease losses$920,000834
Total noninterest income$6,345,000695
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$2,806,000484
Trading account gains and fees$0134
Additional Noninterest Income$3,539,000718
Total noninterest expense$10,449,0001,166
Salaries and employee benefits$6,019,0001,069
Premises and equipment expense$1,230,0001,407
Additional noninterest expense$3,200,0001,150
Pre-tax net operating income$5,766,0001,142
Securities gains (losses)$03,710
Applicable income taxes$1,883,0001,065
Income before extraordinary items$3,883,0001,271
Extraordinary gains, net$026
Net income$3,883,0001,272
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$568,000856
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$3,883,0001,231
2004-06-30 (YTD Data)Rank
Total interest income$9,195,0001,538
Total interest expense$2,191,0001,811
Net interest income$7,004,0001,410
Provision for loan and lease losses$470,0001,064
Total noninterest income$3,731,000781
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$1,829,000494
Trading account gains and fees$0130
Additional Noninterest Income$1,902,000831
Total noninterest expense$6,819,0001,183
Salaries and employee benefits$3,923,0001,091
Premises and equipment expense$781,0001,480
Additional noninterest expense$2,115,0001,153
Pre-tax net operating income$3,446,0001,243
Securities gains (losses)$03,413
Applicable income taxes$1,123,0001,164
Income before extraordinary items$2,323,0001,396
Extraordinary gains, net$021
Net income$2,323,0001,397
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$606,000609
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$2,323,0001,345
2004-03-31 (YTD Data)Rank
Total interest income$4,533,0001,554
Total interest expense$1,059,0001,885
Net interest income$3,474,0001,425
Provision for loan and lease losses$320,000755
Total noninterest income$1,234,0001,064
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$893,000491
Trading account gains and fees$0121
Additional Noninterest Income$341,0001,717
Total noninterest expense$3,131,0001,306
Salaries and employee benefits$1,966,0001,103
Premises and equipment expense$362,0001,622
Additional noninterest expense$803,0001,498
Pre-tax net operating income$1,257,0001,652
Securities gains (losses)$02,934
Applicable income taxes$403,0001,535
Income before extraordinary items$854,0001,829
Extraordinary gains, net$016
Net income$854,0001,829
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$506,000429
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$854,0001,748
2003-12-31 (YTD Data)Rank
Total interest income$18,514,0001,553
Total interest expense$5,411,0001,670
Net interest income$13,103,0001,482
Provision for loan and lease losses$1,250,000943
Total noninterest income$5,732,0001,019
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$3,571,000485
Trading account gains and fees$0160
Additional Noninterest Income$2,161,0001,392
Total noninterest expense$12,977,0001,245
Salaries and employee benefits$7,294,0001,176
Premises and equipment expense$1,662,0001,365
Additional noninterest expense$4,021,0001,238
Pre-tax net operating income$4,608,0001,749
Securities gains (losses)$122,0001,712
Applicable income taxes$1,586,0001,548
Income before extraordinary items$3,144,0001,958
Extraordinary gains, net$054
Net income$3,144,0001,958
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,174,000519
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$3,063,4801,912
2003-09-30 (YTD Data)Rank
Total interest income$13,956,0001,566
Total interest expense$4,304,0001,635
Net interest income$9,652,0001,523
Provision for loan and lease losses$700,0001,218
Total noninterest income$4,209,0001,074
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$2,674,000490
Trading account gains and fees$0153
Additional Noninterest Income$1,535,0001,514
Total noninterest expense$10,000,0001,217
Salaries and employee benefits$5,590,0001,147
Premises and equipment expense$1,250,0001,374
Additional noninterest expense$3,160,0001,199
Pre-tax net operating income$3,161,0001,960
Securities gains (losses)$58,0002,190
Applicable income taxes$1,095,0001,722
Income before extraordinary items$2,124,0002,202
Extraordinary gains, net$040
Net income$2,124,0002,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,858,000464
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$2,085,7202,132
2003-06-30 (YTD Data)Rank
Total interest income$9,216,0001,594
Total interest expense$3,037,0001,585
Net interest income$6,179,0001,584
Provision for loan and lease losses$300,0001,769
Total noninterest income$2,497,0001,155
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$1,798,000478
Trading account gains and fees$0150
Additional Noninterest Income$699,0001,969
Total noninterest expense$6,519,0001,243
Salaries and employee benefits$3,728,0001,144
Premises and equipment expense$834,0001,376
Additional noninterest expense$1,957,0001,272
Pre-tax net operating income$1,857,0002,170
Securities gains (losses)$58,0001,914
Applicable income taxes$651,0001,926
Income before extraordinary items$1,264,0002,453
Extraordinary gains, net$030
Net income$1,264,0002,451
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,374,000424
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,225,7202,376
2003-03-31 (YTD Data)Rank
Total interest income$4,610,0001,611
Total interest expense$1,566,0001,579
Net interest income$3,044,0001,607
Provision for loan and lease losses$100,0002,353
Total noninterest income$1,389,0001,031
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$923,000452
Trading account gains and fees$0134
Additional Noninterest Income$466,0001,560
Total noninterest expense$3,278,0001,229
Salaries and employee benefits$1,856,0001,136
Premises and equipment expense$409,0001,420
Additional noninterest expense$1,013,0001,210
Pre-tax net operating income$1,055,0001,946
Securities gains (losses)$02,891
Applicable income taxes$357,0001,786
Income before extraordinary items$698,0002,198
Extraordinary gains, net$021
Net income$698,0002,196
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,130,000306
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$698,0002,084
2002-12-31 (YTD Data)Rank
Total interest income$19,263,0001,593
Total interest expense$6,997,0001,627
Net interest income$12,266,0001,578
Provision for loan and lease losses$2,745,000585
Total noninterest income$5,707,000928
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$3,779,000428
Trading account gains and fees$0153
Additional Noninterest Income$1,928,0001,350
Total noninterest expense$12,189,0001,258
Salaries and employee benefits$7,109,0001,126
Premises and equipment expense$1,586,0001,388
Additional noninterest expense$3,494,0001,363
Pre-tax net operating income$3,039,0002,478
Securities gains (losses)$59,0002,258
Applicable income taxes$1,060,0002,120
Income before extraordinary items$2,038,0002,758
Extraordinary gains, net$070
Net income$2,038,0002,756
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,165,000835
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,999,0602,723
2001-12-31 (YTD Data)Rank
Total interest income$23,582,0001,450
Total interest expense$10,915,0001,484
Net interest income$12,667,0001,404
Provision for loan and lease losses$885,0001,378
Total noninterest income$4,548,0001,078
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$3,321,000454
Trading account gains and fees$0177
Additional Noninterest Income$1,227,0001,771
Total noninterest expense$11,809,0001,230
Salaries and employee benefits$7,048,0001,053
Premises and equipment expense$1,708,0001,251
Additional noninterest expense$3,053,0001,526
Pre-tax net operating income$4,521,0001,592
Securities gains (losses)$04,612
Applicable income taxes$1,458,0001,525
Income before extraordinary items$3,063,0001,718
Extraordinary gains, net$0105
Net income$3,063,0001,720
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$797,0001,103
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$3,063,0001,645
2000-12-31 (YTD Data)Rank
Total interest income$24,980,0001,396
Total interest expense$11,835,0001,458
Net interest income$13,145,0001,333
Provision for loan and lease losses$549,0001,736
Total noninterest income$4,166,0001,047
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$3,294,000409
Trading account gains and fees$0180
Additional Noninterest Income$872,0002,031
Total noninterest expense$12,154,0001,147
Salaries and employee benefits$6,722,0001,044
Premises and equipment expense$1,685,0001,200
Additional noninterest expense$3,747,0001,217
Pre-tax net operating income$4,608,0001,604
Securities gains (losses)$01,956
Applicable income taxes$1,567,0001,454
Income before extraordinary items$3,041,0001,727
Extraordinary gains, net$038
Net income$3,041,0001,727
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$765,000905
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$3,041,0001,722
1999-12-31 (YTD Data)Rank
Total interest income$19,165,0001,695
Total interest expense$8,362,0001,772
Net interest income$10,803,0001,610
Provision for loan and lease losses$1,019,000954
Total noninterest income$4,270,0001,041
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$3,506,000398
Trading account gains and fees$0173
Additional Noninterest Income$764,0002,234
Total noninterest expense$9,942,0001,393
Salaries and employee benefits$5,838,0001,181
Premises and equipment expense$1,411,0001,453
Additional noninterest expense$2,693,0001,657
Pre-tax net operating income$4,112,0001,800
Securities gains (losses)$03,155
Applicable income taxes$1,398,0001,688
Income before extraordinary items$2,714,0001,961
Extraordinary gains, net$035
Net income$2,714,0001,962
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$226,0002,221
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,714,0001,927
1998-12-31 (YTD Data)Rank
Total interest income$13,938,0002,338
Total interest expense$6,410,0002,342
Net interest income$7,528,0002,269
Provision for loan and lease losses$532,0001,642
Total noninterest income$3,685,0001,145
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$3,069,000428
Trading account gains and fees$0224
Additional Noninterest Income$616,0002,600
Total noninterest expense$7,194,0001,807
Salaries and employee benefits$3,818,0001,730
Premises and equipment expense$1,063,0001,851
Additional noninterest expense$2,313,0001,825
Pre-tax net operating income$3,487,0002,072
Securities gains (losses)$04,449
Applicable income taxes$1,186,0002,015
Income before extraordinary items$2,301,0002,264
Extraordinary gains, net$032
Net income$2,301,0002,263
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$40,0005,328
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,301,0002,190
1997-12-31 (YTD Data)Rank
Total interest income$10,603,0003,055
Total interest expense$4,681,0003,173
Net interest income$5,922,0002,940
Provision for loan and lease losses$591,0001,557
Total noninterest income$2,608,0001,434
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$2,233,000581
Trading account gains and feesNANA
Additional Noninterest Income$375,0003,427
Total noninterest expense$5,517,0002,346
Salaries and employee benefits$2,422,0002,727
Premises and equipment expense$812,0002,387
Additional noninterest expense$2,283,0001,864
Pre-tax net operating income$2,422,0002,995
Securities gains (losses)$03,944
Applicable income taxes$785,0002,972
Income before extraordinary items$1,637,0003,098
Extraordinary gains, net$044
Net income$1,637,0003,097
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$170,0002,815
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,637,0003,038
1996-12-31 (YTD Data)Rank
Total interest income$7,570,0004,243
Total interest expense$3,117,0004,618
Net interest income$4,453,0003,925
Provision for loan and lease losses$363,0002,239
Total noninterest income$2,060,0001,795
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,695,000779
Trading account gains and feesNANA
Additional Noninterest Income$365,0003,597
Total noninterest expense$4,415,0003,067
Salaries and employee benefits$1,975,0003,370
Premises and equipment expense$656,0002,951
Additional noninterest expense$1,784,0002,719
Pre-tax net operating income$1,735,0003,838
Securities gains (losses)$04,148
Applicable income taxes$594,0003,619
Income before extraordinary items$1,141,0004,035
Extraordinary gains, net$053
Net income$1,141,0004,036
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$133,0003,393
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,141,0003,979
1995-12-31 (YTD Data)Rank
Total interest income$5,236,0005,797
Total interest expense$1,932,0006,622
Net interest income$3,304,0005,101
Provision for loan and lease losses$215,0002,872
Total noninterest income$1,600,0002,184
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,337,0001,005
Trading account gains and feesNANA
Additional Noninterest Income$263,0004,353
Total noninterest expense$3,467,0003,781
Salaries and employee benefits$1,610,0004,027
Premises and equipment expense$526,0003,601
Additional noninterest expense$1,331,0003,417
Pre-tax net operating income$1,222,0005,183
Securities gains (losses)$03,831
Applicable income taxes$414,0004,828
Income before extraordinary items$808,0005,412
Extraordinary gains, net$065
Net income$808,0005,409
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$60,0004,802
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$808,0005,380
1994-12-31 (YTD Data)Rank
Total interest income$3,577,0007,228
Total interest expense$1,063,0008,423
Net interest income$2,514,0006,457
Provision for loan and lease losses$250,0002,585
Total noninterest income$1,356,0002,486
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$787,0001,719
Trading account gains and feesNANA
Additional Noninterest Income$569,0002,697
Total noninterest expense$2,856,0004,600
Salaries and employee benefits$1,310,0004,844
Premises and equipment expense$427,0004,344
Additional noninterest expense$1,119,0004,303
Pre-tax net operating income$764,0007,056
Securities gains (losses)$03,600
Applicable income taxes$263,0006,354
Income before extraordinary items$501,0007,307
Extraordinary gains, net$0249
Net income$501,0007,311
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$282,0001,994
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$501,0007,334
1993-12-31 (YTD Data)Rank
Total interest income$3,189,0008,032
Total interest expense$980,0009,204
Net interest income$2,209,0007,161
Provision for loan and lease losses$137,0004,886
Total noninterest income$1,227,0002,860
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$703,0001,937
Trading account gains and feesNANA
Additional Noninterest Income$524,0003,168
Total noninterest expense$2,442,0005,379
Salaries and employee benefits$962,0006,347
Premises and equipment expense$331,0005,447
Additional noninterest expense$1,149,0004,363
Pre-tax net operating income$857,0006,536
Securities gains (losses)$07,477
Applicable income taxes$291,0006,186
Income before extraordinary items$566,0007,036
Extraordinary gains, net$-44,00012,684
Net income$522,0007,545
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$202,0003,123
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$566,0006,775
1992-12-31 (YTD Data)Rank
Total interest income$3,263,0008,538
Total interest expense$1,207,0009,581
Net interest income$2,056,0007,599
Provision for loan and lease losses$217,0005,017
Total noninterest income$883,0003,670
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$619,0002,204
Trading account gains and feesNANA
Additional Noninterest Income$264,0004,795
Total noninterest expense$2,067,0006,209
Salaries and employee benefits$801,0007,251
Premises and equipment expense$319,0005,724
Additional noninterest expense$947,0005,285
Pre-tax net operating income$655,0007,358
Securities gains (losses)$08,369
Applicable income taxes$219,0007,205
Income before extraordinary items$436,0007,877
Extraordinary gains, net$01,422
Net income$436,0007,998
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$202,0004,180
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$436,0007,521

* 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.