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Vinings Bank, Income and Expense

2021-12-31 (YTD Data)Rank
Total interest income$23,026,0001,309
Total interest expense$1,759,0001,468
Net interest income$21,267,0001,291
Provision for loan and lease losses$1,212,000486
Total noninterest income$3,976,0001,524
Gross Fiduciary activities income$0994
Service charges on deposit accounts$107,0003,378
Trading account gains and fees$0132
Additional Noninterest Income$3,869,0001,273
Total noninterest expense$13,990,0001,541
Salaries and employee benefits$9,806,0001,311
Premises and equipment expense$1,164,0001,855
Additional noninterest expense$3,020,0001,970
Pre-tax net operating income$10,041,0001,277
Securities gains (losses)$5,176,00081
Applicable income taxes$2,653,000921
Income before extraordinary items$12,564,000964
Extraordinary gains, net$010
Net income$12,564,000965
Minority interest net income$074
Net income of bank and minority interests.$12,564,000965
Net charge-offs$1,046,000406
Cash dividends$4,191,000914
Sale, conversion, retirement of capital stock, net$0582
Net operating income$8,267,9201,294
2021-09-30 (YTD Data)Rank
Total interest income$18,059,0001,300
Total interest expense$1,436,0001,447
Net interest income$16,623,0001,269
Provision for loan and lease losses$293,0001,190
Total noninterest income$2,646,0001,665
Gross Fiduciary activities income$0957
Service charges on deposit accounts$79,0003,413
Trading account gains and fees$0132
Additional Noninterest Income$2,567,0001,428
Total noninterest expense$9,805,0001,624
Salaries and employee benefits$6,796,0001,406
Premises and equipment expense$876,0001,880
Additional noninterest expense$2,133,0002,066
Pre-tax net operating income$9,171,0001,148
Securities gains (losses)$4,962,00073
Applicable income taxes$2,684,000797
Income before extraordinary items$11,449,000840
Extraordinary gains, net$08
Net income$11,449,000840
Minority interest net income$069
Net income of bank and minority interests.$11,449,000840
Net charge-offs$113,0001,033
Cash dividends$3,608,000747
Sale, conversion, retirement of capital stock, net$0543
Net operating income$7,429,7801,188
2021-06-30 (YTD Data)Rank
Total interest income$12,004,0001,295
Total interest expense$1,079,0001,378
Net interest income$10,925,0001,267
Provision for loan and lease losses$85,0001,828
Total noninterest income$1,606,0001,732
Gross Fiduciary activities income$0951
Service charges on deposit accounts$45,0003,559
Trading account gains and fees$0133
Additional Noninterest Income$1,561,0001,478
Total noninterest expense$6,013,0001,732
Salaries and employee benefits$4,077,0001,538
Premises and equipment expense$575,0001,893
Additional noninterest expense$1,361,0002,099
Pre-tax net operating income$6,433,0001,093
Securities gains (losses)$3,870,00067
Applicable income taxes$2,011,000757
Income before extraordinary items$8,292,000780
Extraordinary gains, net$06
Net income$8,292,000780
Minority interest net income$067
Net income of bank and minority interests.$8,292,000780
Net charge-offs$113,000866
Cash dividends$3,038,000608
Sale, conversion, retirement of capital stock, net$0517
Net operating income$5,196,0001,131
2021-03-31 (YTD Data)Rank
Total interest income$5,919,0001,311
Total interest expense$646,0001,224
Net interest income$5,273,0001,295
Provision for loan and lease losses$82,0001,400
Total noninterest income$516,0002,200
Gross Fiduciary activities income$0922
Service charges on deposit accounts$18,0003,763
Trading account gains and fees$0127
Additional Noninterest Income$498,0001,925
Total noninterest expense$2,968,0001,737
Salaries and employee benefits$1,981,0001,561
Premises and equipment expense$290,0001,885
Additional noninterest expense$697,0002,044
Pre-tax net operating income$2,739,0001,223
Securities gains (losses)$142,000391
Applicable income taxes$431,0001,253
Income before extraordinary items$2,450,0001,213
Extraordinary gains, net$03
Net income$2,450,0001,213
Minority interest net income$055
Net income of bank and minority interests.$2,450,0001,213
Net charge-offs$-1,0003,038
Cash dividends$2,468,000410
Sale, conversion, retirement of capital stock, net$0482
Net operating income$2,329,3001,216
2020-12-31 (YTD Data)Rank
Total interest income$17,998,0001,633
Total interest expense$2,148,0001,890
Net interest income$15,850,0001,575
Provision for loan and lease losses$1,239,0001,406
Total noninterest income$3,814,0001,510
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$85,0003,722
Trading account gains and fees$0133
Additional Noninterest Income$3,729,0001,266
Total noninterest expense$11,871,0001,724
Salaries and employee benefits$8,383,0001,449
Premises and equipment expense$1,147,0001,857
Additional noninterest expense$2,341,0002,289
Pre-tax net operating income$6,554,0001,454
Securities gains (losses)$4,119,000125
Applicable income taxes$1,670,0001,050
Income before extraordinary items$9,003,0001,052
Extraordinary gains, net$04
Net income$9,003,0001,052
Minority interest net income$072
Net income of bank and minority interests.$9,003,0001,052
Net charge-offs$100,0002,002
Cash dividends$1,727,0001,663
Sale, conversion, retirement of capital stock, net$0566
Net operating income$5,543,0401,467
2020-09-30 (YTD Data)Rank
Total interest income$12,471,0001,750
Total interest expense$1,760,0001,853
Net interest income$10,711,0001,710
Provision for loan and lease losses$752,0001,597
Total noninterest income$1,922,0001,834
Gross Fiduciary activities income$0981
Service charges on deposit accounts$57,0003,848
Trading account gains and fees$0125
Additional Noninterest Income$1,865,0001,554
Total noninterest expense$7,801,0001,875
Salaries and employee benefits$5,291,0001,662
Premises and equipment expense$850,0001,866
Additional noninterest expense$1,660,0002,345
Pre-tax net operating income$4,080,0001,646
Securities gains (losses)$1,734,000200
Applicable income taxes$736,0001,408
Income before extraordinary items$5,078,0001,251
Extraordinary gains, net$04
Net income$5,078,0001,251
Minority interest net income$065
Net income of bank and minority interests.$5,078,0001,251
Net charge-offs$-2,0003,908
Cash dividends$1,253,0001,482
Sale, conversion, retirement of capital stock, net$0532
Net operating income$3,569,4201,632
2020-06-30 (YTD Data)Rank
Total interest income$7,744,0001,880
Total interest expense$1,357,0001,770
Net interest income$6,387,0001,859
Provision for loan and lease losses$355,0001,883
Total noninterest income$847,0002,209
Gross Fiduciary activities income$0970
Service charges on deposit accounts$35,0003,955
Trading account gains and fees$0123
Additional Noninterest Income$812,0001,885
Total noninterest expense$4,937,0001,952
Salaries and employee benefits$3,254,0001,761
Premises and equipment expense$559,0001,879
Additional noninterest expense$1,124,0002,320
Pre-tax net operating income$1,942,0002,048
Securities gains (losses)$372,000458
Applicable income taxes$116,0002,431
Income before extraordinary items$2,198,0001,707
Extraordinary gains, net$04
Net income$2,198,0001,708
Minority interest net income$065
Net income of bank and minority interests.$2,198,0001,708
Net charge-offs$-2,0003,888
Cash dividends$835,0001,490
Sale, conversion, retirement of capital stock, net$0504
Net operating income$1,844,6001,908
2020-03-31 (YTD Data)Rank
Total interest income$3,460,0002,033
Total interest expense$865,0001,599
Net interest income$2,595,0002,159
Provision for loan and lease losses$75,0002,175
Total noninterest income$309,0002,485
Gross Fiduciary activities income$0941
Service charges on deposit accounts$13,0004,350
Trading account gains and fees$0106
Additional Noninterest Income$296,0002,014
Total noninterest expense$2,433,0001,991
Salaries and employee benefits$1,590,0001,799
Premises and equipment expense$270,0001,947
Additional noninterest expense$573,0002,319
Pre-tax net operating income$396,0003,082
Securities gains (losses)$237,000337
Applicable income taxes$-52,0004,929
Income before extraordinary items$685,0002,202
Extraordinary gains, net$04
Net income$685,0002,201
Minority interest net income$056
Net income of bank and minority interests.$685,0002,202
Net charge-offs$-1,0003,618
Cash dividends$417,0001,418
Sale, conversion, retirement of capital stock, net$0482
Net operating income$448,0002,763
2019-12-31 (YTD Data)Rank
Total interest income$13,535,0002,094
Total interest expense$3,942,0001,491
Net interest income$9,593,0002,309
Provision for loan and lease losses$03,973
Total noninterest income$1,508,0002,281
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$36,0004,658
Trading account gains and fees$0135
Additional Noninterest Income$1,472,0001,808
Total noninterest expense$9,249,0002,037
Salaries and employee benefits$6,520,0001,728
Premises and equipment expense$1,000,0002,035
Additional noninterest expense$1,729,0002,821
Pre-tax net operating income$1,852,0003,122
Securities gains (losses)$2,443,000132
Applicable income taxes$286,0002,403
Income before extraordinary items$4,009,0001,881
Extraordinary gains, net$011
Net income$4,009,0001,883
Minority interest net income$076
Net income of bank and minority interests.$4,009,0001,883
Net charge-offs$160,0001,869
Cash dividends$1,295,0002,036
Sale, conversion, retirement of capital stock, net$0626
Net operating income$1,737,0103,056
2019-09-30 (YTD Data)Rank
Total interest income$10,085,0002,122
Total interest expense$2,927,0001,510
Net interest income$7,158,0002,354
Provision for loan and lease losses$03,836
Total noninterest income$1,186,0002,242
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$25,0004,763
Trading account gains and fees$0129
Additional Noninterest Income$1,161,0001,758
Total noninterest expense$6,752,0002,080
Salaries and employee benefits$4,660,0001,799
Premises and equipment expense$738,0002,077
Additional noninterest expense$1,354,0002,750
Pre-tax net operating income$1,592,0003,029
Securities gains (losses)$610,000270
Applicable income taxes$-27,0005,148
Income before extraordinary items$2,229,0002,363
Extraordinary gains, net$011
Net income$2,229,0002,364
Minority interest net income$072
Net income of bank and minority interests.$2,229,0002,364
Net charge-offs$161,0001,443
Cash dividends$1,139,0001,674
Sale, conversion, retirement of capital stock, net$0590
Net operating income$1,619,0002,826
2019-06-30 (YTD Data)Rank
Total interest income$6,512,0002,170
Total interest expense$1,856,0001,548
Net interest income$4,656,0002,411
Provision for loan and lease losses$03,685
Total noninterest income$406,0003,076
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$15,0004,832
Trading account gains and fees$0131
Additional Noninterest Income$391,0002,507
Total noninterest expense$4,430,0002,106
Salaries and employee benefits$3,134,0001,790
Premises and equipment expense$475,0002,130
Additional noninterest expense$821,0002,957
Pre-tax net operating income$632,0003,711
Securities gains (losses)$218,000359
Applicable income taxes$-167,0005,257
Income before extraordinary items$1,017,0002,927
Extraordinary gains, net$011
Net income$1,017,0002,926
Minority interest net income$069
Net income of bank and minority interests.$1,017,0002,926
Net charge-offs$-2,0004,040
Cash dividends$759,0001,699
Sale, conversion, retirement of capital stock, net$0573
Net operating income$799,0003,228
2019-03-31 (YTD Data)Rank
Total interest income$3,167,0002,216
Total interest expense$869,0001,586
Net interest income$2,298,0002,439
Provision for loan and lease losses$03,406
Total noninterest income$148,0003,454
Gross Fiduciary activities income$0972
Service charges on deposit accounts$7,0004,897
Trading account gains and fees$0126
Additional Noninterest Income$141,0002,818
Total noninterest expense$2,286,0002,067
Salaries and employee benefits$1,598,0001,776
Premises and equipment expense$217,0002,285
Additional noninterest expense$471,0002,694
Pre-tax net operating income$160,0004,395
Securities gains (losses)$218,000190
Applicable income taxes$-95,0005,297
Income before extraordinary items$473,0002,965
Extraordinary gains, net$05
Net income$473,0002,963
Minority interest net income$052
Net income of bank and minority interests.$473,0002,964
Net charge-offs$-1,0003,818
Cash dividends$380,0001,550
Sale, conversion, retirement of capital stock, net$0529
Net operating income$255,0003,822
2018-12-31 (YTD Data)Rank
Total interest income$11,270,0002,312
Total interest expense$2,203,0001,810
Net interest income$9,067,0002,439
Provision for loan and lease losses$04,082
Total noninterest income$1,151,0002,665
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$20,0005,076
Trading account gains and fees$0126
Additional Noninterest Income$1,131,0002,100
Total noninterest expense$8,197,0002,202
Salaries and employee benefits$5,755,0001,877
Premises and equipment expense$786,0002,390
Additional noninterest expense$1,656,0002,967
Pre-tax net operating income$2,021,0003,132
Securities gains (losses)$396,000150
Applicable income taxes$-174,0005,322
Income before extraordinary items$2,591,0002,539
Extraordinary gains, net$06
Net income$2,591,0002,538
Minority interest net income$072
Net income of bank and minority interests.$2,591,0002,538
Net charge-offs$-20,0004,676
Cash dividends$1,315,0001,891
Sale, conversion, retirement of capital stock, net$0671
Net operating income$2,195,0002,790
2018-09-30 (YTD Data)Rank
Total interest income$8,287,0002,344
Total interest expense$1,532,0001,842
Net interest income$6,755,0002,453
Provision for loan and lease losses$03,948
Total noninterest income$764,0002,857
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$15,0005,143
Trading account gains and fees$0138
Additional Noninterest Income$749,0002,255
Total noninterest expense$6,048,0002,227
Salaries and employee benefits$4,196,0001,910
Premises and equipment expense$525,0002,587
Additional noninterest expense$1,327,0002,818
Pre-tax net operating income$1,471,0003,227
Securities gains (losses)$396,000145
Applicable income taxes$-123,0005,418
Income before extraordinary items$1,990,0002,528
Extraordinary gains, net$05
Net income$1,990,0002,527
Minority interest net income$066
Net income of bank and minority interests.$1,990,0002,527
Net charge-offs$-13,0004,548
Cash dividends$1,139,0001,555
Sale, conversion, retirement of capital stock, net$0633
Net operating income$1,594,0002,880
2018-06-30 (YTD Data)Rank
Total interest income$5,330,0002,396
Total interest expense$963,0001,833
Net interest income$4,367,0002,507
Provision for loan and lease losses$03,782
Total noninterest income$436,0003,077
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$10,0005,193
Trading account gains and fees$0130
Additional Noninterest Income$426,0002,445
Total noninterest expense$3,933,0002,280
Salaries and employee benefits$2,696,0001,978
Premises and equipment expense$276,0003,019
Additional noninterest expense$961,0002,688
Pre-tax net operating income$870,0003,361
Securities gains (losses)$368,000122
Applicable income taxes$-88,0005,471
Income before extraordinary items$1,326,0002,514
Extraordinary gains, net$06
Net income$1,326,0002,513
Minority interest net income$065
Net income of bank and minority interests.$1,326,0002,513
Net charge-offs$-11,0004,546
Cash dividends$759,0001,552
Sale, conversion, retirement of capital stock, net$0620
Net operating income$958,0003,020
2018-03-31 (YTD Data)Rank
Total interest income$2,635,0002,418
Total interest expense$456,0001,833
Net interest income$2,179,0002,511
Provision for loan and lease losses$03,508
Total noninterest income$249,0002,859
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$5,0005,244
Trading account gains and fees$0123
Additional Noninterest Income$244,0002,254
Total noninterest expense$1,915,0002,345
Salaries and employee benefits$1,308,0002,056
Premises and equipment expense$123,0003,267
Additional noninterest expense$484,0002,696
Pre-tax net operating income$513,0003,070
Securities gains (losses)$368,00084
Applicable income taxes$14,0003,380
Income before extraordinary items$867,0002,049
Extraordinary gains, net$07
Net income$867,0002,048
Minority interest net income$052
Net income of bank and minority interests.$867,0002,049
Net charge-offs$-10,0004,740
Cash dividends$379,0001,424
Sale, conversion, retirement of capital stock, net$0580
Net operating income$506,3602,862
2017-12-31 (YTD Data)Rank
Total interest income$10,256,0002,403
Total interest expense$1,459,0001,967
Net interest income$8,797,0002,453
Provision for loan and lease losses$04,227
Total noninterest income$404,0004,193
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$21,0005,321
Trading account gains and fees$0151
Additional Noninterest Income$383,0003,504
Total noninterest expense$6,697,0002,583
Salaries and employee benefits$4,497,0002,272
Premises and equipment expense$377,0003,771
Additional noninterest expense$1,823,0002,832
Pre-tax net operating income$2,504,0002,749
Securities gains (losses)$159,000466
Applicable income taxes$24,0003,718
Income before extraordinary items$2,639,0002,244
Extraordinary gains, net$09
Net income$2,639,0002,244
Minority interest net income$076
Net income of bank and minority interests.$2,639,0002,244
Net charge-offs$59,0002,853
Cash dividends$1,459,0001,750
Sale, conversion, retirement of capital stock, net$167,000426
Net operating income$2,481,5902,312
2017-09-30 (YTD Data)Rank
Total interest income$7,464,0002,467
Total interest expense$1,046,0002,014
Net interest income$6,418,0002,525
Provision for loan and lease losses$04,088
Total noninterest income$308,0004,216
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$16,0005,379
Trading account gains and fees$0145
Additional Noninterest Income$292,0003,517
Total noninterest expense$5,181,0002,533
Salaries and employee benefits$3,300,0002,320
Premises and equipment expense$290,0003,741
Additional noninterest expense$1,591,0002,559
Pre-tax net operating income$1,545,0003,117
Securities gains (losses)$382,000252
Applicable income taxes$-198,0005,679
Income before extraordinary items$2,125,0002,303
Extraordinary gains, net$09
Net income$2,125,0002,302
Minority interest net income$071
Net income of bank and minority interests.$2,125,0002,303
Net charge-offs$151,0001,602
Cash dividends$1,080,0001,617
Sale, conversion, retirement of capital stock, net$0677
Net operating income$1,743,0002,601
2017-06-30 (YTD Data)Rank
Total interest income$4,922,0002,465
Total interest expense$660,0002,047
Net interest income$4,262,0002,520
Provision for loan and lease losses$03,871
Total noninterest income$196,0004,284
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$10,0005,434
Trading account gains and fees$0139
Additional Noninterest Income$186,0003,578
Total noninterest expense$3,459,0002,536
Salaries and employee benefits$2,134,0002,389
Premises and equipment expense$194,0003,752
Additional noninterest expense$1,131,0002,449
Pre-tax net operating income$999,0003,119
Securities gains (losses)$382,000184
Applicable income taxes$-106,0005,727
Income before extraordinary items$1,487,0002,167
Extraordinary gains, net$011
Net income$1,487,0002,168
Minority interest net income$071
Net income of bank and minority interests.$1,487,0002,168
Net charge-offs$153,0001,232
Cash dividends$702,0001,636
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,105,0002,646
2017-03-31 (YTD Data)Rank
Total interest income$2,389,0002,516
Total interest expense$293,0002,215
Net interest income$2,096,0002,545
Provision for loan and lease losses$03,537
Total noninterest income$91,0004,396
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$5,0005,481
Trading account gains and fees$0142
Additional Noninterest Income$86,0003,672
Total noninterest expense$1,576,0002,728
Salaries and employee benefits$1,036,0002,461
Premises and equipment expense$95,0003,835
Additional noninterest expense$445,0002,891
Pre-tax net operating income$611,0002,772
Securities gains (losses)$190,000164
Applicable income taxes$-20,0005,736
Income before extraordinary items$821,0001,941
Extraordinary gains, net$08
Net income$821,0001,941
Minority interest net income$055
Net income of bank and minority interests.$821,0001,941
Net charge-offs$-2,0004,280
Cash dividends$345,0001,532
Sale, conversion, retirement of capital stock, net$0632
Net operating income$631,0002,333
2016-12-31 (YTD Data)Rank
Total interest income$9,544,0002,500
Total interest expense$1,041,0002,354
Net interest income$8,503,0002,496
Provision for loan and lease losses$04,332
Total noninterest income$459,0004,209
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$22,0005,541
Trading account gains and fees$0170
Additional Noninterest Income$437,0003,440
Total noninterest expense$6,317,0002,760
Salaries and employee benefits$4,074,0002,464
Premises and equipment expense$381,0003,866
Additional noninterest expense$1,862,0002,883
Pre-tax net operating income$2,645,0002,589
Securities gains (losses)$1,047,000222
Applicable income taxes$183,0002,989
Income before extraordinary items$3,509,0001,837
Extraordinary gains, net$05
Net income$3,509,0001,836
Minority interest net income$082
Net income of bank and minority interests.$3,509,0001,836
Net charge-offs$322,0001,459
Cash dividends$1,978,0001,441
Sale, conversion, retirement of capital stock, net$61,000552
Net operating income$2,514,3502,344
2016-09-30 (YTD Data)Rank
Total interest income$7,136,0002,505
Total interest expense$780,0002,358
Net interest income$6,356,0002,512
Provision for loan and lease losses$04,186
Total noninterest income$339,0004,248
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$16,0005,613
Trading account gains and fees$0169
Additional Noninterest Income$323,0003,463
Total noninterest expense$4,650,0002,785
Salaries and employee benefits$2,988,0002,492
Premises and equipment expense$288,0003,871
Additional noninterest expense$1,374,0002,924
Pre-tax net operating income$2,045,0002,582
Securities gains (losses)$1,036,000194
Applicable income taxes$304,0002,489
Income before extraordinary items$2,777,0001,791
Extraordinary gains, net$05
Net income$2,777,0001,791
Minority interest net income$071
Net income of bank and minority interests.$2,777,0001,791
Net charge-offs$258,0001,266
Cash dividends$1,137,0001,540
Sale, conversion, retirement of capital stock, net$59,000490
Net operating income$1,844,6002,417
2016-06-30 (YTD Data)Rank
Total interest income$4,768,0002,504
Total interest expense$527,0002,339
Net interest income$4,241,0002,511
Provision for loan and lease losses$04,017
Total noninterest income$216,0004,310
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$10,0005,686
Trading account gains and fees$0157
Additional Noninterest Income$206,0003,553
Total noninterest expense$3,089,0002,800
Salaries and employee benefits$1,974,0002,530
Premises and equipment expense$196,0003,849
Additional noninterest expense$919,0002,924
Pre-tax net operating income$1,368,0002,548
Securities gains (losses)$603,000242
Applicable income taxes$209,0002,466
Income before extraordinary items$1,762,0001,851
Extraordinary gains, net$016
Net income$1,762,0001,850
Minority interest net income$071
Net income of bank and minority interests.$1,762,0001,850
Net charge-offs$259,000953
Cash dividends$796,0001,524
Sale, conversion, retirement of capital stock, net$56,000434
Net operating income$1,225,3302,400
2016-03-31 (YTD Data)Rank
Total interest income$2,368,0002,524
Total interest expense$270,0002,314
Net interest income$2,098,0002,536
Provision for loan and lease losses$03,656
Total noninterest income$77,0004,694
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$6,0005,671
Trading account gains and fees$0142
Additional Noninterest Income$71,0004,003
Total noninterest expense$1,510,0002,857
Salaries and employee benefits$941,0002,617
Premises and equipment expense$102,0003,826
Additional noninterest expense$467,0002,892
Pre-tax net operating income$665,0002,560
Securities gains (losses)$204,000293
Applicable income taxes$75,0002,689
Income before extraordinary items$794,0002,003
Extraordinary gains, net$012
Net income$794,0002,003
Minority interest net income$062
Net income of bank and minority interests.$794,0002,003
Net charge-offs$260,000536
Cash dividends$337,0001,528
Sale, conversion, retirement of capital stock, net$52,000335
Net operating income$608,3602,373
2015-12-31 (YTD Data)Rank
Total interest income$8,974,0002,600
Total interest expense$1,133,0002,214
Net interest income$7,841,0002,649
Provision for loan and lease losses$04,380
Total noninterest income$305,0004,786
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$24,0005,771
Trading account gains and fees$0159
Additional Noninterest Income$281,0004,059
Total noninterest expense$5,469,0003,037
Salaries and employee benefits$3,180,0002,925
Premises and equipment expense$440,0003,724
Additional noninterest expense$1,849,0002,955
Pre-tax net operating income$2,677,0002,514
Securities gains (losses)$677,000282
Applicable income taxes$374,0002,473
Income before extraordinary items$2,980,0002,070
Extraordinary gains, net$023
Net income$2,980,0002,071
Minority interest net income$081
Net income of bank and minority interests.$2,980,0002,072
Net charge-offs$364,0001,441
Cash dividends$1,109,0002,001
Sale, conversion, retirement of capital stock, net$-6,855,0006,175
Net operating income$2,377,4702,382
2015-09-30 (YTD Data)Rank
Total interest income$6,842,0002,584
Total interest expense$843,0002,250
Net interest income$5,999,0002,610
Provision for loan and lease losses$04,232
Total noninterest income$153,0005,252
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$16,0005,876
Trading account gains and fees$0153
Additional Noninterest Income$137,0004,585
Total noninterest expense$4,076,0003,082
Salaries and employee benefits$2,348,0002,971
Premises and equipment expense$329,0003,781
Additional noninterest expense$1,399,0002,940
Pre-tax net operating income$2,076,0002,506
Securities gains (losses)$651,000248
Applicable income taxes$361,0002,305
Income before extraordinary items$2,366,0001,980
Extraordinary gains, net$021
Net income$2,366,0001,982
Minority interest net income$078
Net income of bank and minority interests.$2,366,0001,982
Net charge-offs$-2,0004,778
Cash dividends$857,0001,766
Sale, conversion, retirement of capital stock, net$-7,211,0006,261
Net operating income$1,799,6302,404
2015-06-30 (YTD Data)Rank
Total interest income$4,613,0002,553
Total interest expense$552,0002,296
Net interest income$4,061,0002,581
Provision for loan and lease losses$04,069
Total noninterest income$90,0005,386
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$9,0005,984
Trading account gains and fees$0157
Additional Noninterest Income$81,0004,731
Total noninterest expense$2,785,0003,057
Salaries and employee benefits$1,565,0002,995
Premises and equipment expense$216,0003,841
Additional noninterest expense$1,004,0002,801
Pre-tax net operating income$1,366,0002,507
Securities gains (losses)$422,000288
Applicable income taxes$242,0002,299
Income before extraordinary items$1,546,0001,989
Extraordinary gains, net$022
Net income$1,546,0001,992
Minority interest net income$075
Net income of bank and minority interests.$1,546,0001,991
Net charge-offs$-1,0004,579
Cash dividends$606,0001,710
Sale, conversion, retirement of capital stock, net$-7,405,0006,340
Net operating income$1,183,0802,404
2015-03-31 (YTD Data)Rank
Total interest income$2,342,0002,530
Total interest expense$274,0002,329
Net interest income$2,068,0002,520
Provision for loan and lease losses$03,703
Total noninterest income$16,0006,089
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$4,0006,054
Trading account gains and fees$0152
Additional Noninterest Income$12,0005,695
Total noninterest expense$1,510,0002,888
Salaries and employee benefits$785,0003,008
Premises and equipment expense$101,0004,015
Additional noninterest expense$624,0002,336
Pre-tax net operating income$574,0002,774
Securities gains (losses)$417,000190
Applicable income taxes$221,0001,718
Income before extraordinary items$770,0001,980
Extraordinary gains, net$013
Net income$770,0001,983
Minority interest net income$064
Net income of bank and minority interests.$770,0001,982
Net charge-offs$-1,0004,352
Cash dividends$301,0001,517
Sale, conversion, retirement of capital stock, net$7,000586
Net operating income$444,7402,862
2014-12-31 (YTD Data)Rank
Total interest income$9,279,0002,572
Total interest expense$1,071,0002,474
Net interest income$8,208,0002,562
Provision for loan and lease losses$04,603
Total noninterest income$1,134,0002,917
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$20,0006,136
Trading account gains and fees$0180
Additional Noninterest Income$1,114,0002,177
Total noninterest expense$5,415,0003,144
Salaries and employee benefits$2,753,0003,262
Premises and equipment expense$408,0004,052
Additional noninterest expense$2,254,0002,625
Pre-tax net operating income$3,927,0001,866
Securities gains (losses)$476,000413
Applicable income taxes$976,0001,565
Income before extraordinary items$3,427,0001,801
Extraordinary gains, net$017
Net income$3,427,0001,800
Minority interest net income$084
Net income of bank and minority interests.$3,427,0001,800
Net charge-offs$23,0004,231
Cash dividends$1,505,0001,557
Sale, conversion, retirement of capital stock, net$50,000639
Net operating income$3,055,7201,948
2014-09-30 (YTD Data)Rank
Total interest income$6,924,0002,595
Total interest expense$799,0002,520
Net interest income$6,125,0002,591
Provision for loan and lease losses$04,401
Total noninterest income$689,0003,271
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$13,0006,244
Trading account gains and fees$0174
Additional Noninterest Income$676,0002,485
Total noninterest expense$3,964,0003,206
Salaries and employee benefits$2,065,0003,292
Premises and equipment expense$305,0004,101
Additional noninterest expense$1,594,0002,748
Pre-tax net operating income$2,850,0001,939
Securities gains (losses)$436,000356
Applicable income taxes$742,0001,586
Income before extraordinary items$2,544,0001,822
Extraordinary gains, net$015
Net income$2,544,0001,822
Minority interest net income$081
Net income of bank and minority interests.$2,544,0001,821
Net charge-offs$-18,0005,763
Cash dividends$1,003,0001,507
Sale, conversion, retirement of capital stock, net$42,000586
Net operating income$2,208,2802,006
2014-06-30 (YTD Data)Rank
Total interest income$4,550,0002,635
Total interest expense$531,0002,536
Net interest income$4,019,0002,617
Provision for loan and lease losses$04,196
Total noninterest income$446,0003,312
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$9,0006,279
Trading account gains and fees$0172
Additional Noninterest Income$437,0002,492
Total noninterest expense$2,609,0003,249
Salaries and employee benefits$1,388,0003,287
Premises and equipment expense$209,0004,084
Additional noninterest expense$1,012,0002,854
Pre-tax net operating income$1,856,0001,930
Securities gains (losses)$02,580
Applicable income taxes$389,0001,790
Income before extraordinary items$1,467,0002,019
Extraordinary gains, net$020
Net income$1,467,0002,022
Minority interest net income$080
Net income of bank and minority interests.$1,467,0002,021
Net charge-offs$-17,0005,822
Cash dividends$803,0001,362
Sale, conversion, retirement of capital stock, net$34,000527
Net operating income$1,467,0001,965
2014-03-31 (YTD Data)Rank
Total interest income$2,229,0002,681
Total interest expense$265,0002,560
Net interest income$1,964,0002,672
Provision for loan and lease losses$03,817
Total noninterest income$215,0003,343
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$4,0006,347
Trading account gains and fees$0147
Additional Noninterest Income$211,0002,478
Total noninterest expense$1,311,0003,262
Salaries and employee benefits$707,0003,262
Premises and equipment expense$102,0004,167
Additional noninterest expense$502,0002,874
Pre-tax net operating income$868,0001,975
Securities gains (losses)$01,715
Applicable income taxes$175,0001,859
Income before extraordinary items$693,0002,022
Extraordinary gains, net$016
Net income$693,0002,025
Minority interest net income$066
Net income of bank and minority interests.$693,0002,025
Net charge-offs$-1,0004,711
Cash dividends$702,000809
Sale, conversion, retirement of capital stock, net$27,000428
Net operating income$693,0001,982
2013-12-31 (YTD Data)Rank
Total interest income$8,714,0002,749
Total interest expense$1,230,0002,519
Net interest income$7,484,0002,775
Provision for loan and lease losses$05,091
Total noninterest income$1,729,0002,358
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$16,0006,462
Trading account gains and fees$0184
Additional Noninterest Income$1,713,0001,702
Total noninterest expense$5,102,0003,361
Salaries and employee benefits$2,648,0003,400
Premises and equipment expense$418,0004,119
Additional noninterest expense$2,036,0002,929
Pre-tax net operating income$4,111,0001,689
Securities gains (losses)$487,000463
Applicable income taxes$1,218,0001,291
Income before extraordinary items$3,380,0001,716
Extraordinary gains, net$029
Net income$3,380,0001,720
Minority interest net income$090
Net income of bank and minority interests.$3,380,0001,720
Net charge-offs$-4,0006,009
Cash dividends$402,0002,977
Sale, conversion, retirement of capital stock, net$0924
Net operating income$3,019,6201,857
2013-09-30 (YTD Data)Rank
Total interest income$6,477,0002,795
Total interest expense$950,0002,539
Net interest income$5,527,0002,806
Provision for loan and lease losses$04,941
Total noninterest income$1,052,0002,743
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$12,0006,532
Trading account gains and fees$0180
Additional Noninterest Income$1,040,0001,994
Total noninterest expense$3,807,0003,382
Salaries and employee benefits$1,984,0003,410
Premises and equipment expense$316,0004,144
Additional noninterest expense$1,507,0002,971
Pre-tax net operating income$2,772,0001,873
Securities gains (losses)$487,000420
Applicable income taxes$842,0001,403
Income before extraordinary items$2,417,0001,816
Extraordinary gains, net$025
Net income$2,417,0001,820
Minority interest net income$084
Net income of bank and minority interests.$2,417,0001,821
Net charge-offs$-3,0005,867
Cash dividends$301,0002,587
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,056,6202,016
2013-06-30 (YTD Data)Rank
Total interest income$4,299,0002,796
Total interest expense$654,0002,532
Net interest income$3,645,0002,830
Provision for loan and lease losses$04,788
Total noninterest income$520,0003,223
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$8,0006,574
Trading account gains and fees$0157
Additional Noninterest Income$512,0002,443
Total noninterest expense$2,511,0003,409
Salaries and employee benefits$1,348,0003,385
Premises and equipment expense$209,0004,181
Additional noninterest expense$954,0003,068
Pre-tax net operating income$1,654,0002,031
Securities gains (losses)$468,000390
Applicable income taxes$532,0001,451
Income before extraordinary items$1,590,0001,837
Extraordinary gains, net$022
Net income$1,590,0001,842
Minority interest net income$082
Net income of bank and minority interests.$1,590,0001,843
Net charge-offs$-2,0005,680
Cash dividends$201,0002,541
Sale, conversion, retirement of capital stock, net$0838
Net operating income$1,239,0002,162
2013-03-31 (YTD Data)Rank
Total interest income$2,172,0002,786
Total interest expense$346,0002,476
Net interest income$1,826,0002,825
Provision for loan and lease losses$04,409
Total noninterest income$240,0003,360
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$3,0006,676
Trading account gains and fees$0148
Additional Noninterest Income$237,0002,534
Total noninterest expense$1,257,0003,440
Salaries and employee benefits$701,0003,320
Premises and equipment expense$104,0004,221
Additional noninterest expense$452,0003,207
Pre-tax net operating income$809,0002,019
Securities gains (losses)$443,000238
Applicable income taxes$333,0001,233
Income before extraordinary items$919,0001,594
Extraordinary gains, net$010
Net income$919,0001,596
Minority interest net income$076
Net income of bank and minority interests.$919,0001,596
Net charge-offs$-1,0005,189
Cash dividends$101,0002,024
Sale, conversion, retirement of capital stock, net$0789
Net operating income$595,6102,184
2012-12-31 (YTD Data)Rank
Total interest income$9,041,0002,820
Total interest expense$1,770,0002,384
Net interest income$7,271,0002,897
Provision for loan and lease losses$05,905
Total noninterest income$429,0004,726
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$35,0006,469
Trading account gains and fees$0166
Additional Noninterest Income$394,0003,657
Total noninterest expense$5,037,0003,443
Salaries and employee benefits$2,555,0003,519
Premises and equipment expense$403,0004,295
Additional noninterest expense$2,079,0003,009
Pre-tax net operating income$2,663,0002,301
Securities gains (losses)$1,022,000512
Applicable income taxes$146,0003,236
Income before extraordinary items$3,539,0001,613
Extraordinary gains, net$029
Net income$3,539,0001,614
Minority interest net income$093
Net income of bank and minority interests.$3,539,0001,614
Net charge-offs$469,0002,731
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$2,557,8801,999
2012-09-30 (YTD Data)Rank
Total interest income$6,744,0002,884
Total interest expense$1,327,0002,473
Net interest income$5,417,0002,955
Provision for loan and lease losses$05,790
Total noninterest income$671,0003,490
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$30,0006,487
Trading account gains and fees$0157
Additional Noninterest Income$641,0002,581
Total noninterest expense$3,662,0003,550
Salaries and employee benefits$1,844,0003,632
Premises and equipment expense$302,0004,340
Additional noninterest expense$1,516,0003,086
Pre-tax net operating income$2,426,0002,035
Securities gains (losses)$952,000419
Applicable income taxes$04,802
Income before extraordinary items$3,378,0001,336
Extraordinary gains, net$020
Net income$3,378,0001,337
Minority interest net income$086
Net income of bank and minority interests.$3,378,0001,337
Net charge-offs$308,0002,788
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$0952
Net operating income$2,426,0001,699
2012-06-30 (YTD Data)Rank
Total interest income$4,498,0002,907
Total interest expense$930,0002,443
Net interest income$3,568,0002,999
Provision for loan and lease losses$05,619
Total noninterest income$444,0003,470
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$20,0006,521
Trading account gains and fees$0153
Additional Noninterest Income$424,0002,569
Total noninterest expense$2,452,0003,556
Salaries and employee benefits$1,213,0003,679
Premises and equipment expense$200,0004,362
Additional noninterest expense$1,039,0003,029
Pre-tax net operating income$1,560,0002,072
Securities gains (losses)$467,000585
Applicable income taxes$04,770
Income before extraordinary items$2,027,0001,466
Extraordinary gains, net$019
Net income$2,027,0001,466
Minority interest net income$084
Net income of bank and minority interests.$2,027,0001,466
Net charge-offs$307,0002,292
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$0928
Net operating income$1,560,0001,736
2012-03-31 (YTD Data)Rank
Total interest income$2,216,0002,966
Total interest expense$482,0002,450
Net interest income$1,734,0003,081
Provision for loan and lease losses$05,254
Total noninterest income$82,0005,221
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$9,0006,588
Trading account gains and fees$0148
Additional Noninterest Income$73,0004,160
Total noninterest expense$1,079,0003,884
Salaries and employee benefits$610,0003,689
Premises and equipment expense$103,0004,335
Additional noninterest expense$366,0003,862
Pre-tax net operating income$737,0002,170
Securities gains (losses)$111,000867
Applicable income taxes$04,704
Income before extraordinary items$848,0001,715
Extraordinary gains, net$019
Net income$848,0001,716
Minority interest net income$078
Net income of bank and minority interests.$848,0001,716
Net charge-offs$-8,0006,564
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$737,0001,828
2011-12-31 (YTD Data)Rank
Total interest income$9,327,0002,944
Total interest expense$2,150,0002,618
Net interest income$7,177,0003,007
Provision for loan and lease losses$140,0005,014
Total noninterest income$371,0004,902
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$39,0006,504
Trading account gains and fees$0146
Additional Noninterest Income$332,0003,713
Total noninterest expense$4,721,0003,686
Salaries and employee benefits$2,340,0003,750
Premises and equipment expense$407,0004,521
Additional noninterest expense$1,974,0003,178
Pre-tax net operating income$2,687,0002,022
Securities gains (losses)$856,000512
Applicable income taxes$04,719
Income before extraordinary items$3,543,0001,382
Extraordinary gains, net$029
Net income$3,543,0001,382
Minority interest net income$096
Net income of bank and minority interests.$3,543,0001,382
Net charge-offs$819,0002,602
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$1,0001,088
Net operating income$2,687,0001,691
2011-09-30 (YTD Data)Rank
Total interest income$7,007,0002,978
Total interest expense$1,656,0002,656
Net interest income$5,351,0003,042
Provision for loan and lease losses$140,0004,573
Total noninterest income$271,0004,995
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$29,0006,549
Trading account gains and fees$0145
Additional Noninterest Income$242,0003,803
Total noninterest expense$3,254,0003,905
Salaries and employee benefits$1,722,0003,798
Premises and equipment expense$305,0004,574
Additional noninterest expense$1,227,0003,635
Pre-tax net operating income$2,228,0001,923
Securities gains (losses)$636,000532
Applicable income taxes$04,740
Income before extraordinary items$2,864,0001,355
Extraordinary gains, net$021
Net income$2,864,0001,354
Minority interest net income$087
Net income of bank and minority interests.$2,864,0001,355
Net charge-offs$100,0004,433
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$1,0001,016
Net operating income$2,228,0001,602
2011-06-30 (YTD Data)Rank
Total interest income$4,644,0002,998
Total interest expense$1,143,0002,666
Net interest income$3,501,0003,081
Provision for loan and lease losses$140,0004,013
Total noninterest income$229,0004,633
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$16,0006,666
Trading account gains and fees$0153
Additional Noninterest Income$213,0003,396
Total noninterest expense$2,053,0004,087
Salaries and employee benefits$1,149,0003,839
Premises and equipment expense$197,0004,684
Additional noninterest expense$707,0004,079
Pre-tax net operating income$1,537,0001,846
Securities gains (losses)$353,000482
Applicable income taxes$04,697
Income before extraordinary items$1,890,0001,331
Extraordinary gains, net$015
Net income$1,890,0001,331
Minority interest net income$089
Net income of bank and minority interests.$1,890,0001,331
Net charge-offs$101,0003,829
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$1,000964
Net operating income$1,537,0001,524
2011-03-31 (YTD Data)Rank
Total interest income$2,299,0003,042
Total interest expense$583,0002,696
Net interest income$1,716,0003,126
Provision for loan and lease losses$05,840
Total noninterest income$146,0004,222
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$6,0006,773
Trading account gains and fees$0158
Additional Noninterest Income$140,0003,028
Total noninterest expense$1,032,0004,097
Salaries and employee benefits$583,0003,809
Premises and equipment expense$94,0004,869
Additional noninterest expense$355,0004,056
Pre-tax net operating income$830,0001,723
Securities gains (losses)$10,0001,304
Applicable income taxes$04,545
Income before extraordinary items$840,0001,425
Extraordinary gains, net$09
Net income$840,0001,425
Minority interest net income$086
Net income of bank and minority interests.$840,0001,425
Net charge-offs$05,107
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$1,000891
Net operating income$830,0001,395
2010-12-31 (YTD Data)Rank
Total interest income$9,056,0003,206
Total interest expense$2,576,0002,922
Net interest income$6,480,0003,271
Provision for loan and lease losses$4,420,0001,254
Total noninterest income$202,0005,940
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$22,0006,598
Trading account gains and fees$0175
Additional Noninterest Income$180,0004,736
Total noninterest expense$4,326,0003,994
Salaries and employee benefits$2,545,0003,536
Premises and equipment expense$428,0004,581
Additional noninterest expense$1,353,0004,283
Pre-tax net operating income$-2,064,0006,786
Securities gains (losses)$536,000838
Applicable income taxes$04,655
Income before extraordinary items$-1,528,0006,751
Extraordinary gains, net$029
Net income$-1,528,0006,751
Minority interest net income$0111
Net income of bank and minority interests.$-1,528,0006,752
Net charge-offs$4,178,0001,172
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$387,000504
Net operating income$-2,064,0006,837
2010-09-30 (YTD Data)Rank
Total interest income$6,830,0003,255
Total interest expense$1,979,0002,977
Net interest income$4,851,0003,324
Provision for loan and lease losses$2,634,0001,388
Total noninterest income$117,0006,360
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$15,0006,717
Trading account gains and fees$0165
Additional Noninterest Income$102,0005,180
Total noninterest expense$3,134,0004,092
Salaries and employee benefits$1,967,0003,482
Premises and equipment expense$312,0004,736
Additional noninterest expense$855,0004,738
Pre-tax net operating income$-800,0006,697
Securities gains (losses)$246,0001,215
Applicable income taxes$04,726
Income before extraordinary items$-554,0006,692
Extraordinary gains, net$023
Net income$-554,0006,693
Minority interest net income$0110
Net income of bank and minority interests.$-554,0006,693
Net charge-offs$1,328,0001,888
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$380,000418
Net operating income$-800,0006,767
2010-06-30 (YTD Data)Rank
Total interest income$4,564,0003,283
Total interest expense$1,363,0003,004
Net interest income$3,201,0003,363
Provision for loan and lease losses$2,262,0001,170
Total noninterest income$78,0006,392
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$7,0006,815
Trading account gains and fees$0152
Additional Noninterest Income$71,0005,137
Total noninterest expense$2,141,0004,039
Salaries and employee benefits$1,398,0003,345
Premises and equipment expense$204,0004,818
Additional noninterest expense$539,0004,879
Pre-tax net operating income$-1,124,0007,057
Securities gains (losses)$246,000814
Applicable income taxes$04,691
Income before extraordinary items$-878,0007,040
Extraordinary gains, net$019
Net income$-878,0007,040
Minority interest net income$0105
Net income of bank and minority interests.$-878,0007,040
Net charge-offs$1,328,0001,477
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$341,000311
Net operating income$-1,124,0007,108
2010-03-31 (YTD Data)Rank
Total interest income$2,263,0003,363
Total interest expense$676,0003,142
Net interest income$1,587,0003,402
Provision for loan and lease losses$1,790,000809
Total noninterest income$26,0006,890
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$3,0006,921
Trading account gains and fees$0175
Additional Noninterest Income$23,0005,777
Total noninterest expense$1,192,0003,782
Salaries and employee benefits$694,0003,416
Premises and equipment expense$99,0004,976
Additional noninterest expense$399,0003,803
Pre-tax net operating income$-1,369,0007,500
Securities gains (losses)$38,0001,256
Applicable income taxes$04,611
Income before extraordinary items$-1,331,0007,539
Extraordinary gains, net$016
Net income$-1,331,0007,539
Minority interest net income$091
Net income of bank and minority interests.$-1,331,0007,540
Net charge-offs$948,0001,074
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$170,000242
Net operating income$-1,369,0007,548
2009-12-31 (YTD Data)Rank
Total interest income$7,687,0003,926
Total interest expense$3,665,0002,938
Net interest income$4,022,0004,557
Provision for loan and lease losses$2,186,0002,374
Total noninterest income$64,0007,293
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$21,0006,882
Trading account gains and fees$0211
Additional Noninterest Income$43,0006,513
Total noninterest expense$4,081,0004,280
Salaries and employee benefits$2,713,0003,460
Premises and equipment expense$355,0005,292
Additional noninterest expense$1,013,0005,208
Pre-tax net operating income$-2,181,0006,683
Securities gains (losses)$976,000513
Applicable income taxes$04,388
Income before extraordinary items$-1,205,0006,453
Extraordinary gains, net$034
Net income$-1,205,0006,453
Minority interest net income$0115
Net income of bank and minority interests.$-1,205,0006,453
Net charge-offs$100,0005,692
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$681,000488
Net operating income$-2,181,0006,797
2009-09-30 (YTD Data)Rank
Total interest income$5,648,0004,037
Total interest expense$2,652,0003,155
Net interest income$2,996,0004,589
Provision for loan and lease losses$621,0003,480
Total noninterest income$44,0007,464
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$13,0006,976
Trading account gains and fees$0212
Additional Noninterest Income$31,0006,688
Total noninterest expense$2,942,0004,408
Salaries and employee benefits$2,028,0003,499
Premises and equipment expense$260,0005,382
Additional noninterest expense$654,0005,601
Pre-tax net operating income$-523,0006,353
Securities gains (losses)$205,0001,273
Applicable income taxes$04,592
Income before extraordinary items$-318,0006,262
Extraordinary gains, net$027
Net income$-318,0006,263
Minority interest net income$0118
Net income of bank and minority interests.$-318,0006,262
Net charge-offs$06,987
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$511,000427
Net operating income$-523,0006,439
2009-06-30 (YTD Data)Rank
Total interest income$3,372,0004,374
Total interest expense$1,630,0003,460
Net interest income$1,742,0004,974
Provision for loan and lease losses$416,0003,216
Total noninterest income$27,0007,566
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$8,0007,058
Trading account gains and fees$0193
Additional Noninterest Income$19,0006,847
Total noninterest expense$1,870,0004,571
Salaries and employee benefits$1,286,0003,691
Premises and equipment expense$138,0005,946
Additional noninterest expense$446,0005,552
Pre-tax net operating income$-517,0006,651
Securities gains (losses)$109,0001,432
Applicable income taxes$04,657
Income before extraordinary items$-408,0006,659
Extraordinary gains, net$021
Net income$-408,0006,660
Minority interest net income$0112
Net income of bank and minority interests.$-408,0006,660
Net charge-offs$06,628
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$341,000396
Net operating income$-517,0006,765
2009-03-31 (YTD Data)Rank
Total interest income$1,506,0004,744
Total interest expense$753,0003,764
Net interest income$753,0005,387
Provision for loan and lease losses$213,0002,767
Total noninterest income$9,0007,788
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$3,0007,123
Trading account gains and fees$0171
Additional Noninterest Income$6,0007,210
Total noninterest expense$902,0004,607
Salaries and employee benefits$646,0003,705
Premises and equipment expense$49,0006,650
Additional noninterest expense$207,0005,508
Pre-tax net operating income$-353,0007,141
Securities gains (losses)$109,000959
Applicable income taxes$04,835
Income before extraordinary items$-244,0007,105
Extraordinary gains, net$015
Net income$-244,0007,106
Minority interest net income$0102
Net income of bank and minority interests.$-244,0007,106
Net charge-offs$05,728
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$170,000290
Net operating income$-353,0007,235
2008-12-31 (YTD Data)Rank
Total interest income$4,513,0005,730
Total interest expense$1,935,0005,393
Net interest income$2,578,0005,833
Provision for loan and lease losses$639,0003,394
Total noninterest income$23,0007,919
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$2,0007,282
Trading account gains and fees$0154
Additional Noninterest Income$21,0007,407
Total noninterest expense$3,248,0004,864
Salaries and employee benefits$2,410,0003,881
Premises and equipment expense$220,0006,499
Additional noninterest expense$618,0006,162
Pre-tax net operating income$-1,286,0007,138
Securities gains (losses)$75,0001,332
Applicable income taxes$04,979
Income before extraordinary items$-1,211,0007,095
Extraordinary gains, net$039
Net income$-1,211,0007,096
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0006,426
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$705,000475
Net operating income$-1,286,0007,238
2008-09-30 (YTD Data)Rank
Total interest income$2,993,0006,089
Total interest expense$1,203,0005,963
Net interest income$1,790,0006,062
Provision for loan and lease losses$461,0002,851
Total noninterest income$14,0008,083
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$1,0007,351
Trading account gains and fees$0148
Additional Noninterest Income$13,0007,670
Total noninterest expense$2,413,0004,875
Salaries and employee benefits$1,804,0003,918
Premises and equipment expense$170,0006,474
Additional noninterest expense$439,0006,244
Pre-tax net operating income$-1,070,0007,570
Securities gains (losses)$18,0002,081
Applicable income taxes$05,372
Income before extraordinary items$-1,052,0007,533
Extraordinary gains, net$031
Net income$-1,052,0007,531
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0005,625
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$565,000359
Net operating income$-1,070,0007,654
2008-06-30 (YTD Data)Rank
Total interest income$1,681,0006,519
Total interest expense$627,0006,602
Net interest income$1,054,0006,371
Provision for loan and lease losses$328,0002,414
Total noninterest income$7,0008,189
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$1,0007,382
Trading account gains and fees$0149
Additional Noninterest Income$6,0007,890
Total noninterest expense$1,592,0004,930
Salaries and employee benefits$1,203,0003,948
Premises and equipment expense$119,0006,405
Additional noninterest expense$270,0006,457
Pre-tax net operating income$-859,0007,828
Securities gains (losses)$03,233
Applicable income taxes$05,627
Income before extraordinary items$-859,0007,929
Extraordinary gains, net$021
Net income$-859,0007,928
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,998
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$385,000296
Net operating income$-859,0007,909
2008-03-31 (YTD Data)Rank
Total interest income$699,0006,976
Total interest expense$230,0007,253
Net interest income$469,0006,648
Provision for loan and lease losses$130,0002,351
Total noninterest income$2,0008,268
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$07,431
Trading account gains and fees$0158
Additional Noninterest Income$2,0008,025
Total noninterest expense$761,0005,089
Salaries and employee benefits$584,0004,055
Premises and equipment expense$62,0006,354
Additional noninterest expense$115,0006,809
Pre-tax net operating income$-420,0008,019
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$-420,0008,094
Extraordinary gains, net$015
Net income$-420,0008,093
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,009
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$205,000211
Net operating income$-420,0008,074
2007-12-31 (YTD Data)Rank
Total interest income$920,0008,228
Total interest expense$205,0008,292
Net interest income$715,0008,076
Provision for loan and lease losses$267,0003,396
Total noninterest income$-3,0008,483
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$07,508
Trading account gains and fees$0178
Additional Noninterest Income$-3,0008,442
Total noninterest expense$2,186,0005,972
Salaries and employee benefits$1,016,0006,390
Premises and equipment expense$112,0007,623
Additional noninterest expense$1,058,0004,463
Pre-tax net operating income$-1,741,0008,240
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$-1,741,0008,283
Extraordinary gains, net$039
Net income$-1,741,0008,280
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,600
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$20,461,00082
Net operating income$-1,741,0008,271
2007-09-30 (YTD Data)Rank
Total interest income$334,0008,459
Total interest expense$68,0008,440
Net interest income$266,0008,436
Provision for loan and lease losses$118,0003,891
Total noninterest income$-1,0008,514
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$07,525
Trading account gains and fees$0184
Additional Noninterest Income$-1,0008,486
Total noninterest expense$1,546,0006,134
Salaries and employee benefits$481,0007,399
Premises and equipment expense$63,0007,902
Additional noninterest expense$1,002,0003,689
Pre-tax net operating income$-1,399,0008,374
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$-1,399,0008,400
Extraordinary gains, net$033
Net income$-1,399,0008,397
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,076
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$20,236,00058
Net operating income$-1,399,0008,392

* 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.