Home > West Pointe Bank > Income and Expense

West Pointe Bank, Income and Expense

2020-03-31 (YTD Data)Rank
Total interest income$3,321,0002,092
Total interest expense$908,0001,528
Net interest income$2,413,0002,283
Provision for loan and lease losses$60,0002,352
Total noninterest income$198,0003,031
Gross Fiduciary activities income$67,000646
Service charges on deposit accounts$23,0003,893
Trading account gains and feesNANA
Additional Noninterest Income$108,0003,096
Total noninterest expense$1,427,0002,800
Salaries and employee benefits$1,007,0002,469
Premises and equipment expense$72,0003,921
Additional noninterest expense$348,0003,189
Pre-tax net operating income$1,124,0001,673
Securities gains (losses)$8,0001,366
Applicable income taxes$268,0001,165
Income before extraordinary items$864,0001,863
Extraordinary gains, net$04
Net income$864,0001,863
Minority interest net income$056
Net income of bank and minority interests.$864,0001,863
Net charge-offs$137,000751
Cash dividends$170,0002,033
Sale, conversion, retirement of capital stock, net$0482
Net operating income$857,6801,846
2019-12-31 (YTD Data)Rank
Total interest income$13,750,0002,069
Total interest expense$3,814,0001,528
Net interest income$9,936,0002,250
Provision for loan and lease losses$700,0001,194
Total noninterest income$951,0002,897
Gross Fiduciary activities income$129,000714
Service charges on deposit accounts$90,0004,025
Trading account gains and feesNANA
Additional Noninterest Income$732,0002,598
Total noninterest expense$5,563,0002,823
Salaries and employee benefits$3,787,0002,550
Premises and equipment expense$289,0003,961
Additional noninterest expense$1,487,0003,097
Pre-tax net operating income$4,624,0001,858
Securities gains (losses)$02,379
Applicable income taxes$1,025,0001,416
Income before extraordinary items$3,599,0002,038
Extraordinary gains, net$011
Net income$3,599,0002,040
Minority interest net income$076
Net income of bank and minority interests.$3,599,0002,040
Net charge-offs$-1,190,0005,157
Cash dividends$1,175,0002,162
Sale, conversion, retirement of capital stock, net$0626
Net operating income$3,599,0002,005
2019-09-30 (YTD Data)Rank
Total interest income$10,336,0002,087
Total interest expense$2,892,0001,524
Net interest income$7,444,0002,286
Provision for loan and lease losses$450,0001,249
Total noninterest income$797,0002,754
Gross Fiduciary activities income$102,000710
Service charges on deposit accounts$69,0004,062
Trading account gains and feesNANA
Additional Noninterest Income$626,0002,460
Total noninterest expense$4,016,0002,897
Salaries and employee benefits$2,825,0002,568
Premises and equipment expense$212,0004,048
Additional noninterest expense$979,0003,364
Pre-tax net operating income$3,775,0001,796
Securities gains (losses)$02,167
Applicable income taxes$867,0001,346
Income before extraordinary items$2,908,0001,981
Extraordinary gains, net$011
Net income$2,908,0001,981
Minority interest net income$072
Net income of bank and minority interests.$2,908,0001,982
Net charge-offs$-1,072,0005,230
Cash dividends$975,0001,858
Sale, conversion, retirement of capital stock, net$0590
Net operating income$2,908,0001,952
2019-06-30 (YTD Data)Rank
Total interest income$7,001,0002,054
Total interest expense$1,927,0001,510
Net interest income$5,074,0002,250
Provision for loan and lease losses$300,0001,195
Total noninterest income$653,0002,437
Gross Fiduciary activities income$72,000714
Service charges on deposit accounts$47,0004,062
Trading account gains and feesNANA
Additional Noninterest Income$534,0002,135
Total noninterest expense$2,674,0002,910
Salaries and employee benefits$1,821,0002,644
Premises and equipment expense$146,0004,013
Additional noninterest expense$707,0003,249
Pre-tax net operating income$2,753,0001,655
Securities gains (losses)$01,702
Applicable income taxes$646,0001,238
Income before extraordinary items$2,107,0001,831
Extraordinary gains, net$011
Net income$2,107,0001,830
Minority interest net income$069
Net income of bank and minority interests.$2,107,0001,831
Net charge-offs$-38,0004,837
Cash dividends$450,0002,212
Sale, conversion, retirement of capital stock, net$0573
Net operating income$2,107,0001,804
2019-03-31 (YTD Data)Rank
Total interest income$3,628,0001,996
Total interest expense$945,0001,493
Net interest income$2,683,0002,157
Provision for loan and lease losses$150,0001,133
Total noninterest income$490,0001,944
Gross Fiduciary activities income$37,000718
Service charges on deposit accounts$22,0004,147
Trading account gains and feesNANA
Additional Noninterest Income$431,0001,600
Total noninterest expense$1,369,0002,891
Salaries and employee benefits$905,0002,668
Premises and equipment expense$72,0004,075
Additional noninterest expense$392,0003,045
Pre-tax net operating income$1,654,0001,406
Securities gains (losses)$01,087
Applicable income taxes$399,0001,054
Income before extraordinary items$1,255,0001,564
Extraordinary gains, net$05
Net income$1,255,0001,563
Minority interest net income$052
Net income of bank and minority interests.$1,255,0001,563
Net charge-offs$-17,0004,823
Cash dividends$450,0001,415
Sale, conversion, retirement of capital stock, net$0529
Net operating income$1,255,0001,541
2018-12-31 (YTD Data)Rank
Total interest income$12,607,0002,125
Total interest expense$3,021,0001,428
Net interest income$9,586,0002,317
Provision for loan and lease losses$2,600,000417
Total noninterest income$714,0003,303
Gross Fiduciary activities income$205,000707
Service charges on deposit accounts$78,0004,364
Trading account gains and fees$0126
Additional Noninterest Income$431,0003,262
Total noninterest expense$5,488,0002,873
Salaries and employee benefits$3,922,0002,484
Premises and equipment expense$285,0004,094
Additional noninterest expense$1,281,0003,459
Pre-tax net operating income$2,212,0002,973
Securities gains (losses)$01,125
Applicable income taxes$375,0002,225
Income before extraordinary items$1,837,0003,061
Extraordinary gains, net$06
Net income$1,837,0003,060
Minority interest net income$072
Net income of bank and minority interests.$1,837,0003,060
Net charge-offs$4,495,000210
Cash dividends$04,033
Sale, conversion, retirement of capital stock, net$0671
Net operating income$1,837,0003,057
2018-09-30 (YTD Data)Rank
Total interest income$9,264,0002,154
Total interest expense$2,155,0001,416
Net interest income$7,109,0002,346
Provision for loan and lease losses$1,050,000622
Total noninterest income$537,0003,327
Gross Fiduciary activities income$156,000697
Service charges on deposit accounts$59,0004,399
Trading account gains and fees$0138
Additional Noninterest Income$322,0003,301
Total noninterest expense$4,108,0002,894
Salaries and employee benefits$2,971,0002,468
Premises and equipment expense$214,0004,134
Additional noninterest expense$923,0003,553
Pre-tax net operating income$2,488,0002,402
Securities gains (losses)$01,118
Applicable income taxes$504,0001,773
Income before extraordinary items$1,984,0002,532
Extraordinary gains, net$05
Net income$1,984,0002,531
Minority interest net income$066
Net income of bank and minority interests.$1,984,0002,531
Net charge-offs$-52,0004,941
Cash dividends$03,618
Sale, conversion, retirement of capital stock, net$0633
Net operating income$1,984,0002,524
2018-06-30 (YTD Data)Rank
Total interest income$5,955,0002,195
Total interest expense$1,338,0001,415
Net interest income$4,617,0002,391
Provision for loan and lease losses$03,782
Total noninterest income$378,0003,252
Gross Fiduciary activities income$121,000688
Service charges on deposit accounts$40,0004,431
Trading account gains and fees$0130
Additional Noninterest Income$217,0003,280
Total noninterest expense$2,710,0002,934
Salaries and employee benefits$1,952,0002,505
Premises and equipment expense$145,0004,130
Additional noninterest expense$613,0003,567
Pre-tax net operating income$2,285,0001,897
Securities gains (losses)$0961
Applicable income taxes$512,0001,388
Income before extraordinary items$1,773,0002,061
Extraordinary gains, net$06
Net income$1,773,0002,059
Minority interest net income$065
Net income of bank and minority interests.$1,773,0002,060
Net charge-offs$-35,0004,922
Cash dividends$03,485
Sale, conversion, retirement of capital stock, net$0620
Net operating income$1,773,0002,051
2018-03-31 (YTD Data)Rank
Total interest income$2,947,0002,204
Total interest expense$644,0001,405
Net interest income$2,303,0002,398
Provision for loan and lease losses$03,508
Total noninterest income$188,0003,257
Gross Fiduciary activities income$68,000676
Service charges on deposit accounts$20,0004,465
Trading account gains and fees$0123
Additional Noninterest Income$100,0003,345
Total noninterest expense$1,359,0002,959
Salaries and employee benefits$975,0002,542
Premises and equipment expense$74,0004,152
Additional noninterest expense$310,0003,588
Pre-tax net operating income$1,132,0001,864
Securities gains (losses)$0735
Applicable income taxes$253,0001,358
Income before extraordinary items$879,0002,028
Extraordinary gains, net$07
Net income$879,0002,027
Minority interest net income$052
Net income of bank and minority interests.$879,0002,028
Net charge-offs$-17,0004,936
Cash dividends$02,774
Sale, conversion, retirement of capital stock, net$0580
Net operating income$879,0002,016
2017-12-31 (YTD Data)Rank
Total interest income$11,317,0002,222
Total interest expense$1,996,0001,541
Net interest income$9,321,0002,333
Provision for loan and lease losses$04,227
Total noninterest income$629,0003,631
Gross Fiduciary activities income$115,000771
Service charges on deposit accounts$95,0004,392
Trading account gains and fees$0151
Additional Noninterest Income$419,0003,394
Total noninterest expense$5,433,0002,953
Salaries and employee benefits$3,868,0002,523
Premises and equipment expense$282,0004,259
Additional noninterest expense$1,283,0003,529
Pre-tax net operating income$4,517,0001,867
Securities gains (losses)$02,243
Applicable income taxes$1,562,0001,500
Income before extraordinary items$2,955,0002,080
Extraordinary gains, net$09
Net income$2,955,0002,080
Minority interest net income$076
Net income of bank and minority interests.$2,955,0002,080
Net charge-offs$-102,0005,296
Cash dividends$7,592,000465
Sale, conversion, retirement of capital stock, net$0711
Net operating income$2,955,0002,053
2017-09-30 (YTD Data)Rank
Total interest income$8,338,0002,254
Total interest expense$1,411,0001,596
Net interest income$6,927,0002,368
Provision for loan and lease losses$04,088
Total noninterest income$465,0003,669
Gross Fiduciary activities income$77,000784
Service charges on deposit accounts$74,0004,387
Trading account gains and fees$0145
Additional Noninterest Income$314,0003,409
Total noninterest expense$3,939,0003,028
Salaries and employee benefits$2,868,0002,552
Premises and equipment expense$212,0004,290
Additional noninterest expense$859,0003,779
Pre-tax net operating income$3,453,0001,855
Securities gains (losses)$02,274
Applicable income taxes$1,078,0001,407
Income before extraordinary items$2,375,0002,112
Extraordinary gains, net$09
Net income$2,375,0002,113
Minority interest net income$071
Net income of bank and minority interests.$2,375,0002,113
Net charge-offs$-48,0005,146
Cash dividends$7,395,000367
Sale, conversion, retirement of capital stock, net$0677
Net operating income$2,375,0002,085
2017-06-30 (YTD Data)Rank
Total interest income$5,433,0002,279
Total interest expense$870,0001,655
Net interest income$4,563,0002,382
Provision for loan and lease losses$03,871
Total noninterest income$305,0003,703
Gross Fiduciary activities income$48,000793
Service charges on deposit accounts$51,0004,369
Trading account gains and fees$0139
Additional Noninterest Income$206,0003,434
Total noninterest expense$2,569,0003,082
Salaries and employee benefits$1,862,0002,621
Premises and equipment expense$143,0004,291
Additional noninterest expense$564,0003,837
Pre-tax net operating income$2,299,0001,822
Securities gains (losses)$01,906
Applicable income taxes$714,0001,377
Income before extraordinary items$1,585,0002,067
Extraordinary gains, net$011
Net income$1,585,0002,067
Minority interest net income$071
Net income of bank and minority interests.$1,585,0002,067
Net charge-offs$-60,0005,330
Cash dividends$7,190,000266
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,585,0002,032
2017-03-31 (YTD Data)Rank
Total interest income$2,672,0002,311
Total interest expense$413,0001,716
Net interest income$2,259,0002,397
Provision for loan and lease losses$03,537
Total noninterest income$160,0003,621
Gross Fiduciary activities income$24,000801
Service charges on deposit accounts$29,0004,249
Trading account gains and fees$0142
Additional Noninterest Income$107,0003,376
Total noninterest expense$1,319,0003,069
Salaries and employee benefits$937,0002,654
Premises and equipment expense$73,0004,297
Additional noninterest expense$309,0003,646
Pre-tax net operating income$1,100,0001,841
Securities gains (losses)$01,153
Applicable income taxes$336,0001,399
Income before extraordinary items$764,0002,048
Extraordinary gains, net$08
Net income$764,0002,049
Minority interest net income$055
Net income of bank and minority interests.$764,0002,049
Net charge-offs$-16,0005,175
Cash dividends$02,846
Sale, conversion, retirement of capital stock, net$0632
Net operating income$764,0002,023
2016-12-31 (YTD Data)Rank
Total interest income$10,979,0002,230
Total interest expense$1,686,0001,628
Net interest income$9,293,0002,325
Provision for loan and lease losses$-1,000,0005,822
Total noninterest income$586,0003,847
Gross Fiduciary activities income$141,000770
Service charges on deposit accounts$109,0004,413
Trading account gains and fees$0170
Additional Noninterest Income$336,0003,803
Total noninterest expense$5,589,0002,971
Salaries and employee benefits$3,832,0002,572
Premises and equipment expense$308,0004,269
Additional noninterest expense$1,449,0003,420
Pre-tax net operating income$5,290,0001,555
Securities gains (losses)$03,212
Applicable income taxes$1,690,0001,186
Income before extraordinary items$3,600,0001,804
Extraordinary gains, net$05
Net income$3,600,0001,803
Minority interest net income$082
Net income of bank and minority interests.$3,600,0001,803
Net charge-offs$-350,0005,758
Cash dividends$584,0002,821
Sale, conversion, retirement of capital stock, net$0759
Net operating income$3,600,0001,763
2016-09-30 (YTD Data)Rank
Total interest income$8,267,0002,222
Total interest expense$1,272,0001,618
Net interest income$6,995,0002,314
Provision for loan and lease losses$30,0003,648
Total noninterest income$554,0003,513
Gross Fiduciary activities income$118,000753
Service charges on deposit accounts$85,0004,386
Trading account gains and fees$0169
Additional Noninterest Income$351,0003,363
Total noninterest expense$4,159,0002,987
Salaries and employee benefits$2,877,0002,562
Premises and equipment expense$227,0004,311
Additional noninterest expense$1,055,0003,495
Pre-tax net operating income$3,360,0001,798
Securities gains (losses)$03,160
Applicable income taxes$1,025,0001,385
Income before extraordinary items$2,335,0002,070
Extraordinary gains, net$05
Net income$2,335,0002,070
Minority interest net income$071
Net income of bank and minority interests.$2,335,0002,070
Net charge-offs$-403,0005,836
Cash dividends$402,0002,617
Sale, conversion, retirement of capital stock, net$0719
Net operating income$2,335,0001,998
2016-06-30 (YTD Data)Rank
Total interest income$5,562,0002,212
Total interest expense$839,0001,629
Net interest income$4,723,0002,303
Provision for loan and lease losses$30,0003,242
Total noninterest income$399,0003,405
Gross Fiduciary activities income$90,000747
Service charges on deposit accounts$57,0004,403
Trading account gains and fees$0157
Additional Noninterest Income$252,0003,267
Total noninterest expense$2,769,0003,010
Salaries and employee benefits$1,907,0002,591
Premises and equipment expense$149,0004,366
Additional noninterest expense$713,0003,496
Pre-tax net operating income$2,323,0001,739
Securities gains (losses)$02,835
Applicable income taxes$716,0001,331
Income before extraordinary items$1,607,0001,992
Extraordinary gains, net$016
Net income$1,607,0001,992
Minority interest net income$071
Net income of bank and minority interests.$1,607,0001,992
Net charge-offs$-401,0005,955
Cash dividends$218,0002,789
Sale, conversion, retirement of capital stock, net$0705
Net operating income$1,607,0001,926
2016-03-31 (YTD Data)Rank
Total interest income$2,804,0002,197
Total interest expense$419,0001,635
Net interest income$2,385,0002,280
Provision for loan and lease losses$15,0002,996
Total noninterest income$218,0003,227
Gross Fiduciary activities income$66,000703
Service charges on deposit accounts$28,0004,424
Trading account gains and fees$0142
Additional Noninterest Income$124,0003,228
Total noninterest expense$1,311,0003,132
Salaries and employee benefits$874,0002,781
Premises and equipment expense$70,0004,504
Additional noninterest expense$367,0003,430
Pre-tax net operating income$1,277,0001,583
Securities gains (losses)$02,077
Applicable income taxes$404,0001,230
Income before extraordinary items$873,0001,836
Extraordinary gains, net$012
Net income$873,0001,837
Minority interest net income$062
Net income of bank and minority interests.$873,0001,837
Net charge-offs$-4,0004,749
Cash dividends$02,895
Sale, conversion, retirement of capital stock, net$0659
Net operating income$873,0001,793
2015-12-31 (YTD Data)Rank
Total interest income$11,186,0002,153
Total interest expense$1,718,0001,585
Net interest income$9,468,0002,260
Provision for loan and lease losses$-2,485,0006,126
Total noninterest income$722,0003,591
Gross Fiduciary activities income$91,000838
Service charges on deposit accounts$107,0004,621
Trading account gains and fees$0159
Additional Noninterest Income$524,0003,218
Total noninterest expense$5,611,0002,999
Salaries and employee benefits$3,586,0002,688
Premises and equipment expense$326,0004,315
Additional noninterest expense$1,699,0003,133
Pre-tax net operating income$7,064,0001,192
Securities gains (losses)$03,216
Applicable income taxes$2,369,000888
Income before extraordinary items$4,695,0001,415
Extraordinary gains, net$023
Net income$4,695,0001,415
Minority interest net income$081
Net income of bank and minority interests.$4,695,0001,415
Net charge-offs$-397,0005,970
Cash dividends$4,380,000732
Sale, conversion, retirement of capital stock, net$0804
Net operating income$4,695,0001,389
2015-09-30 (YTD Data)Rank
Total interest income$8,391,0002,169
Total interest expense$1,285,0001,605
Net interest income$7,106,0002,273
Provision for loan and lease losses$15,0003,904
Total noninterest income$534,0003,628
Gross Fiduciary activities income$69,000835
Service charges on deposit accounts$81,0004,658
Trading account gains and fees$0153
Additional Noninterest Income$384,0003,279
Total noninterest expense$3,989,0003,116
Salaries and employee benefits$2,606,0002,760
Premises and equipment expense$228,0004,487
Additional noninterest expense$1,155,0003,363
Pre-tax net operating income$3,636,0001,638
Securities gains (losses)$03,031
Applicable income taxes$1,117,0001,270
Income before extraordinary items$2,519,0001,882
Extraordinary gains, net$021
Net income$2,519,0001,884
Minority interest net income$078
Net income of bank and minority interests.$2,519,0001,884
Net charge-offs$-471,0006,101
Cash dividends$425,0002,485
Sale, conversion, retirement of capital stock, net$0773
Net operating income$2,519,0001,846
2015-06-30 (YTD Data)Rank
Total interest income$5,610,0002,159
Total interest expense$858,0001,604
Net interest income$4,752,0002,250
Provision for loan and lease losses$15,0003,621
Total noninterest income$375,0003,555
Gross Fiduciary activities income$47,000842
Service charges on deposit accounts$54,0004,660
Trading account gains and fees$0157
Additional Noninterest Income$274,0003,180
Total noninterest expense$2,676,0003,128
Salaries and employee benefits$1,779,0002,731
Premises and equipment expense$152,0004,529
Additional noninterest expense$745,0003,439
Pre-tax net operating income$2,436,0001,612
Securities gains (losses)$02,636
Applicable income taxes$744,0001,290
Income before extraordinary items$1,692,0001,859
Extraordinary gains, net$022
Net income$1,692,0001,862
Minority interest net income$075
Net income of bank and minority interests.$1,692,0001,862
Net charge-offs$-479,0006,213
Cash dividends$230,0002,658
Sale, conversion, retirement of capital stock, net$0751
Net operating income$1,692,0001,817
2015-03-31 (YTD Data)Rank
Total interest income$2,819,0002,149
Total interest expense$428,0001,620
Net interest income$2,391,0002,233
Provision for loan and lease losses$15,0002,956
Total noninterest income$219,0003,270
Gross Fiduciary activities income$24,000848
Service charges on deposit accounts$26,0004,712
Trading account gains and fees$0152
Additional Noninterest Income$169,0002,858
Total noninterest expense$1,270,0003,248
Salaries and employee benefits$784,0003,011
Premises and equipment expense$77,0004,543
Additional noninterest expense$409,0003,249
Pre-tax net operating income$1,325,0001,487
Securities gains (losses)$02,027
Applicable income taxes$407,0001,178
Income before extraordinary items$918,0001,726
Extraordinary gains, net$013
Net income$918,0001,728
Minority interest net income$064
Net income of bank and minority interests.$918,0001,728
Net charge-offs$-487,0006,344
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$0697
Net operating income$918,0001,663
2014-12-31 (YTD Data)Rank
Total interest income$11,699,0002,088
Total interest expense$1,771,0001,639
Net interest income$9,928,0002,143
Provision for loan and lease losses$165,0002,677
Total noninterest income$683,0003,747
Gross Fiduciary activities income$110,000837
Service charges on deposit accounts$119,0004,739
Trading account gains and fees$0180
Additional Noninterest Income$454,0003,405
Total noninterest expense$5,409,0003,147
Salaries and employee benefits$3,373,0002,836
Premises and equipment expense$288,0004,751
Additional noninterest expense$1,748,0003,187
Pre-tax net operating income$5,037,0001,504
Securities gains (losses)$03,259
Applicable income taxes$1,611,0001,140
Income before extraordinary items$3,426,0001,802
Extraordinary gains, net$017
Net income$3,426,0001,801
Minority interest net income$084
Net income of bank and minority interests.$3,426,0001,801
Net charge-offs$389,0001,752
Cash dividends$3,160,000876
Sale, conversion, retirement of capital stock, net$0862
Net operating income$3,426,0001,770
2014-09-30 (YTD Data)Rank
Total interest income$8,928,0002,064
Total interest expense$1,343,0001,644
Net interest income$7,585,0002,114
Provision for loan and lease losses$135,0002,485
Total noninterest income$494,0003,856
Gross Fiduciary activities income$78,000843
Service charges on deposit accounts$88,0004,828
Trading account gains and fees$0174
Additional Noninterest Income$328,0003,510
Total noninterest expense$3,882,0003,255
Salaries and employee benefits$2,494,0002,878
Premises and equipment expense$214,0004,819
Additional noninterest expense$1,174,0003,461
Pre-tax net operating income$4,062,0001,436
Securities gains (losses)$02,980
Applicable income taxes$1,329,0001,077
Income before extraordinary items$2,733,0001,716
Extraordinary gains, net$015
Net income$2,733,0001,717
Minority interest net income$081
Net income of bank and minority interests.$2,733,0001,716
Net charge-offs$326,0001,525
Cash dividends$2,525,000775
Sale, conversion, retirement of capital stock, net$0819
Net operating income$2,733,0001,680
2014-06-30 (YTD Data)Rank
Total interest income$5,960,0002,056
Total interest expense$903,0001,650
Net interest income$5,057,0002,096
Provision for loan and lease losses$105,0002,287
Total noninterest income$337,0003,813
Gross Fiduciary activities income$53,000854
Service charges on deposit accounts$58,0004,837
Trading account gains and fees$0172
Additional Noninterest Income$226,0003,445
Total noninterest expense$2,608,0003,253
Salaries and employee benefits$1,697,0002,847
Premises and equipment expense$138,0004,908
Additional noninterest expense$773,0003,503
Pre-tax net operating income$2,681,0001,415
Securities gains (losses)$02,580
Applicable income taxes$868,0001,071
Income before extraordinary items$1,813,0001,667
Extraordinary gains, net$020
Net income$1,813,0001,670
Minority interest net income$080
Net income of bank and minority interests.$1,813,0001,669
Net charge-offs$-81,0006,269
Cash dividends$2,300,000581
Sale, conversion, retirement of capital stock, net$0794
Net operating income$1,813,0001,643
2014-03-31 (YTD Data)Rank
Total interest income$2,944,0002,080
Total interest expense$457,0001,658
Net interest income$2,487,0002,122
Provision for loan and lease losses$75,0001,807
Total noninterest income$164,0003,836
Gross Fiduciary activities income$27,000863
Service charges on deposit accounts$27,0004,957
Trading account gains and fees$0147
Additional Noninterest Income$110,0003,432
Total noninterest expense$1,286,0003,303
Salaries and employee benefits$804,0002,987
Premises and equipment expense$72,0004,889
Additional noninterest expense$410,0003,355
Pre-tax net operating income$1,290,0001,423
Securities gains (losses)$01,715
Applicable income taxes$409,0001,072
Income before extraordinary items$881,0001,663
Extraordinary gains, net$016
Net income$881,0001,667
Minority interest net income$066
Net income of bank and minority interests.$881,0001,666
Net charge-offs$-75,0006,419
Cash dividends$1,340,000473
Sale, conversion, retirement of capital stock, net$0747
Net operating income$881,0001,631
2013-12-31 (YTD Data)Rank
Total interest income$13,529,0001,846
Total interest expense$2,174,0001,572
Net interest income$11,355,0001,883
Provision for loan and lease losses$1,200,000946
Total noninterest income$692,0003,880
Gross Fiduciary activities income$240,000746
Service charges on deposit accounts$110,0005,111
Trading account gains and fees$0184
Additional Noninterest Income$342,0003,912
Total noninterest expense$5,747,0003,079
Salaries and employee benefits$3,033,0003,082
Premises and equipment expense$275,0005,023
Additional noninterest expense$2,439,0002,526
Pre-tax net operating income$5,100,0001,407
Securities gains (losses)$03,182
Applicable income taxes$1,648,0001,051
Income before extraordinary items$3,452,0001,697
Extraordinary gains, net$029
Net income$3,452,0001,701
Minority interest net income$090
Net income of bank and minority interests.$3,452,0001,701
Net charge-offs$5,725,000299
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$0924
Net operating income$3,452,0001,655
2013-09-30 (YTD Data)Rank
Total interest income$10,412,0001,810
Total interest expense$1,673,0001,570
Net interest income$8,739,0001,843
Provision for loan and lease losses$900,000951
Total noninterest income$556,0003,845
Gross Fiduciary activities income$212,000708
Service charges on deposit accounts$81,0005,187
Trading account gains and fees$0180
Additional Noninterest Income$263,0003,942
Total noninterest expense$3,919,0003,308
Salaries and employee benefits$2,120,0003,257
Premises and equipment expense$193,0005,164
Additional noninterest expense$1,606,0002,823
Pre-tax net operating income$4,476,0001,260
Securities gains (losses)$03,040
Applicable income taxes$1,490,000940
Income before extraordinary items$2,986,0001,513
Extraordinary gains, net$025
Net income$2,986,0001,515
Minority interest net income$084
Net income of bank and minority interests.$2,986,0001,516
Net charge-offs$5,486,000239
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,986,0001,470
2013-06-30 (YTD Data)Rank
Total interest income$6,855,0001,824
Total interest expense$1,151,0001,550
Net interest income$5,704,0001,871
Provision for loan and lease losses$600,000990
Total noninterest income$264,0004,432
Gross Fiduciary activities income$74,000826
Service charges on deposit accounts$50,0005,300
Trading account gains and fees$0157
Additional Noninterest Income$140,0004,300
Total noninterest expense$2,797,0003,150
Salaries and employee benefits$1,449,0003,213
Premises and equipment expense$124,0005,249
Additional noninterest expense$1,224,0002,488
Pre-tax net operating income$2,571,0001,407
Securities gains (losses)$02,791
Applicable income taxes$828,0001,068
Income before extraordinary items$1,743,0001,709
Extraordinary gains, net$022
Net income$1,743,0001,713
Minority interest net income$082
Net income of bank and minority interests.$1,743,0001,714
Net charge-offs$5,056,000197
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$0838
Net operating income$1,743,0001,642
2013-03-31 (YTD Data)Rank
Total interest income$3,138,0001,996
Total interest expense$599,0001,538
Net interest income$2,539,0002,070
Provision for loan and lease losses$300,000980
Total noninterest income$144,0004,264
Gross Fiduciary activities income$48,000788
Service charges on deposit accounts$26,0005,216
Trading account gains and fees$0148
Additional Noninterest Income$70,0004,284
Total noninterest expense$1,286,0003,380
Salaries and employee benefits$673,0003,420
Premises and equipment expense$65,0005,194
Additional noninterest expense$548,0002,754
Pre-tax net operating income$1,097,0001,580
Securities gains (losses)$01,966
Applicable income taxes$338,0001,223
Income before extraordinary items$759,0001,876
Extraordinary gains, net$010
Net income$759,0001,877
Minority interest net income$076
Net income of bank and minority interests.$759,0001,878
Net charge-offs$672,000633
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$0789
Net operating income$759,0001,795
2012-12-31 (YTD Data)Rank
Total interest income$14,495,0001,819
Total interest expense$3,120,0001,424
Net interest income$11,375,0001,927
Provision for loan and lease losses$1,800,0001,159
Total noninterest income$617,0004,128
Gross Fiduciary activities income$86,000905
Service charges on deposit accounts$115,0005,226
Trading account gains and fees$0166
Additional Noninterest Income$416,0003,591
Total noninterest expense$5,736,0003,133
Salaries and employee benefits$3,337,0002,902
Premises and equipment expense$237,0005,452
Additional noninterest expense$2,162,0002,910
Pre-tax net operating income$4,456,0001,522
Securities gains (losses)$03,810
Applicable income taxes$1,387,0001,160
Income before extraordinary items$3,069,0001,822
Extraordinary gains, net$029
Net income$3,069,0001,821
Minority interest net income$093
Net income of bank and minority interests.$3,069,0001,822
Net charge-offs$2,188,0001,090
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$3,069,0001,723
2012-09-30 (YTD Data)Rank
Total interest income$11,382,0001,775
Total interest expense$2,430,0001,436
Net interest income$8,952,0001,854
Provision for loan and lease losses$1,350,0001,177
Total noninterest income$426,0004,321
Gross Fiduciary activities income$63,000899
Service charges on deposit accounts$89,0005,251
Trading account gains and fees$0157
Additional Noninterest Income$274,0003,811
Total noninterest expense$4,067,0003,296
Salaries and employee benefits$2,440,0002,977
Premises and equipment expense$178,0005,501
Additional noninterest expense$1,449,0003,199
Pre-tax net operating income$3,961,0001,337
Securities gains (losses)$03,575
Applicable income taxes$1,275,0001,020
Income before extraordinary items$2,686,0001,635
Extraordinary gains, net$020
Net income$2,686,0001,636
Minority interest net income$086
Net income of bank and minority interests.$2,686,0001,636
Net charge-offs$547,0002,072
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$0952
Net operating income$2,686,0001,547
2012-06-30 (YTD Data)Rank
Total interest income$7,639,0001,767
Total interest expense$1,698,0001,422
Net interest income$5,941,0001,866
Provision for loan and lease losses$900,0001,191
Total noninterest income$301,0004,207
Gross Fiduciary activities income$41,000915
Service charges on deposit accounts$64,0005,123
Trading account gains and fees$0153
Additional Noninterest Income$196,0003,710
Total noninterest expense$2,746,0003,290
Salaries and employee benefits$1,666,0002,928
Premises and equipment expense$114,0005,590
Additional noninterest expense$966,0003,214
Pre-tax net operating income$2,596,0001,356
Securities gains (losses)$03,178
Applicable income taxes$833,0001,029
Income before extraordinary items$1,763,0001,654
Extraordinary gains, net$019
Net income$1,763,0001,652
Minority interest net income$084
Net income of bank and minority interests.$1,763,0001,654
Net charge-offs$398,0002,008
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$0928
Net operating income$1,763,0001,570
2012-03-31 (YTD Data)Rank
Total interest income$3,834,0001,779
Total interest expense$889,0001,421
Net interest income$2,945,0001,884
Provision for loan and lease losses$450,0001,139
Total noninterest income$137,0004,417
Gross Fiduciary activities income$20,000918
Service charges on deposit accounts$33,0005,070
Trading account gains and fees$0148
Additional Noninterest Income$84,0003,962
Total noninterest expense$1,354,0003,326
Salaries and employee benefits$799,0003,032
Premises and equipment expense$55,0005,677
Additional noninterest expense$500,0003,093
Pre-tax net operating income$1,278,0001,373
Securities gains (losses)$02,210
Applicable income taxes$411,0001,051
Income before extraordinary items$867,0001,678
Extraordinary gains, net$019
Net income$867,0001,678
Minority interest net income$078
Net income of bank and minority interests.$867,0001,679
Net charge-offs$103,0002,416
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$0861
Net operating income$867,0001,575
2011-12-31 (YTD Data)Rank
Total interest income$18,171,0001,570
Total interest expense$4,743,0001,285
Net interest income$13,428,0001,661
Provision for loan and lease losses$2,400,0001,379
Total noninterest income$579,0004,140
Gross Fiduciary activities income$86,000861
Service charges on deposit accounts$125,0005,190
Trading account gains and fees$0146
Additional Noninterest Income$368,0003,548
Total noninterest expense$6,242,0002,959
Salaries and employee benefits$3,453,0002,777
Premises and equipment expense$244,0005,664
Additional noninterest expense$2,545,0002,554
Pre-tax net operating income$5,365,0001,110
Securities gains (losses)$03,838
Applicable income taxes$1,725,000890
Income before extraordinary items$3,640,0001,356
Extraordinary gains, net$029
Net income$3,640,0001,356
Minority interest net income$096
Net income of bank and minority interests.$3,640,0001,356
Net charge-offs$2,742,0001,274
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$3,640,0001,289
2011-09-30 (YTD Data)Rank
Total interest income$14,053,0001,540
Total interest expense$3,726,0001,276
Net interest income$10,327,0001,626
Provision for loan and lease losses$1,800,0001,333
Total noninterest income$429,0004,184
Gross Fiduciary activities income$69,000837
Service charges on deposit accounts$94,0005,214
Trading account gains and fees$0145
Additional Noninterest Income$266,0003,641
Total noninterest expense$4,700,0002,950
Salaries and employee benefits$2,511,0002,842
Premises and equipment expense$184,0005,697
Additional noninterest expense$2,005,0002,459
Pre-tax net operating income$4,256,0001,084
Securities gains (losses)$03,555
Applicable income taxes$1,384,000848
Income before extraordinary items$2,872,0001,352
Extraordinary gains, net$021
Net income$2,872,0001,351
Minority interest net income$087
Net income of bank and minority interests.$2,872,0001,352
Net charge-offs$448,0002,793
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$2,872,0001,272
2011-06-30 (YTD Data)Rank
Total interest income$9,596,0001,516
Total interest expense$2,566,0001,278
Net interest income$7,030,0001,606
Provision for loan and lease losses$1,200,0001,329
Total noninterest income$292,0004,153
Gross Fiduciary activities income$48,000855
Service charges on deposit accounts$61,0005,245
Trading account gains and fees$0153
Additional Noninterest Income$183,0003,646
Total noninterest expense$3,181,0002,941
Salaries and employee benefits$1,612,0002,955
Premises and equipment expense$118,0005,797
Additional noninterest expense$1,451,0002,307
Pre-tax net operating income$2,941,0001,028
Securities gains (losses)$02,914
Applicable income taxes$963,000782
Income before extraordinary items$1,978,0001,268
Extraordinary gains, net$015
Net income$1,978,0001,268
Minority interest net income$089
Net income of bank and minority interests.$1,978,0001,268
Net charge-offs$445,0002,266
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$1,978,0001,208
2011-03-31 (YTD Data)Rank
Total interest income$4,903,0001,500
Total interest expense$1,313,0001,296
Net interest income$3,590,0001,547
Provision for loan and lease losses$600,0001,247
Total noninterest income$145,0004,239
Gross Fiduciary activities income$23,000861
Service charges on deposit accounts$30,0005,223
Trading account gains and fees$0158
Additional Noninterest Income$92,0003,703
Total noninterest expense$1,614,0002,908
Salaries and employee benefits$805,0002,984
Premises and equipment expense$64,0005,701
Additional noninterest expense$745,0002,232
Pre-tax net operating income$1,521,000995
Securities gains (losses)$01,772
Applicable income taxes$498,000761
Income before extraordinary items$1,023,0001,208
Extraordinary gains, net$09
Net income$1,023,0001,207
Minority interest net income$086
Net income of bank and minority interests.$1,023,0001,208
Net charge-offs$411,0001,504
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$1,023,0001,169
2010-12-31 (YTD Data)Rank
Total interest income$22,192,0001,379
Total interest expense$6,037,0001,377
Net interest income$16,155,0001,382
Provision for loan and lease losses$9,287,000707
Total noninterest income$629,0004,137
Gross Fiduciary activities income$124,000839
Service charges on deposit accounts$161,0004,789
Trading account gains and fees$0175
Additional Noninterest Income$344,0003,745
Total noninterest expense$5,356,0003,404
Salaries and employee benefits$2,872,0003,236
Premises and equipment expense$210,0006,132
Additional noninterest expense$2,274,0002,908
Pre-tax net operating income$2,141,0002,120
Securities gains (losses)$03,793
Applicable income taxes$454,0001,985
Income before extraordinary items$1,687,0002,313
Extraordinary gains, net$029
Net income$1,687,0002,311
Minority interest net income$0111
Net income of bank and minority interests.$1,687,0002,314
Net charge-offs$1,919,0001,910
Cash dividends$500,0002,343
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$1,687,0002,213
2010-09-30 (YTD Data)Rank
Total interest income$16,889,0001,387
Total interest expense$4,641,0001,396
Net interest income$12,248,0001,381
Provision for loan and lease losses$9,287,000526
Total noninterest income$480,0004,157
Gross Fiduciary activities income$102,000811
Service charges on deposit accounts$122,0004,852
Trading account gains and fees$0165
Additional Noninterest Income$256,0003,801
Total noninterest expense$4,163,0003,310
Salaries and employee benefits$2,438,0002,915
Premises and equipment expense$158,0006,192
Additional noninterest expense$1,567,0003,089
Pre-tax net operating income$-722,0006,661
Securities gains (losses)$03,651
Applicable income taxes$-603,0007,402
Income before extraordinary items$-119,0006,335
Extraordinary gains, net$023
Net income$-119,0006,335
Minority interest net income$0110
Net income of bank and minority interests.$-119,0006,335
Net charge-offs$821,0002,432
Cash dividends$500,0001,751
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$-119,0006,236
2010-06-30 (YTD Data)Rank
Total interest income$11,318,0001,394
Total interest expense$3,155,0001,430
Net interest income$8,163,0001,388
Provision for loan and lease losses$1,600,0001,453
Total noninterest income$317,0004,150
Gross Fiduciary activities income$66,000824
Service charges on deposit accounts$82,0004,831
Trading account gains and fees$0152
Additional Noninterest Income$169,0003,790
Total noninterest expense$2,623,0003,482
Salaries and employee benefits$1,586,0002,990
Premises and equipment expense$102,0006,274
Additional noninterest expense$935,0003,387
Pre-tax net operating income$4,257,000652
Securities gains (losses)$03,184
Applicable income taxes$1,479,000505
Income before extraordinary items$2,778,000802
Extraordinary gains, net$019
Net income$2,778,000802
Minority interest net income$0105
Net income of bank and minority interests.$2,778,000803
Net charge-offs$213,0003,470
Cash dividends$500,0001,315
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$2,778,000773
2010-03-31 (YTD Data)Rank
Total interest income$5,681,0001,423
Total interest expense$1,588,0001,486
Net interest income$4,093,0001,398
Provision for loan and lease losses$1,050,0001,127
Total noninterest income$151,0004,270
Gross Fiduciary activities income$44,000793
Service charges on deposit accounts$39,0004,918
Trading account gains and fees$0175
Additional Noninterest Income$68,0004,171
Total noninterest expense$1,363,0003,405
Salaries and employee benefits$820,0002,948
Premises and equipment expense$54,0006,263
Additional noninterest expense$489,0003,252
Pre-tax net operating income$1,831,000740
Securities gains (losses)$02,284
Applicable income taxes$630,000576
Income before extraordinary items$1,201,000912
Extraordinary gains, net$016
Net income$1,201,000916
Minority interest net income$091
Net income of bank and minority interests.$1,201,000916
Net charge-offs$156,0002,681
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$1,201,000887
2009-12-31 (YTD Data)Rank
Total interest income$22,269,0001,537
Total interest expense$8,984,0001,331
Net interest income$13,285,0001,690
Provision for loan and lease losses$8,213,0001,006
Total noninterest income$612,0004,329
Gross Fiduciary activities income$64,000925
Service charges on deposit accounts$205,0004,617
Trading account gains and fees$0211
Additional Noninterest Income$343,0003,772
Total noninterest expense$5,508,0003,403
Salaries and employee benefits$2,757,0003,423
Premises and equipment expense$220,0006,324
Additional noninterest expense$2,531,0002,710
Pre-tax net operating income$176,0004,871
Securities gains (losses)$03,754
Applicable income taxes$-313,0006,879
Income before extraordinary items$489,0003,902
Extraordinary gains, net$034
Net income$489,0003,901
Minority interest net income$0115
Net income of bank and minority interests.$489,0003,901
Net charge-offs$9,524,000716
Cash dividends$125,0003,994
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$489,0003,836
2009-09-30 (YTD Data)Rank
Total interest income$16,644,0001,569
Total interest expense$7,188,0001,307
Net interest income$9,456,0001,773
Provision for loan and lease losses$2,763,0001,556
Total noninterest income$454,0004,416
Gross Fiduciary activities income$45,000927
Service charges on deposit accounts$158,0004,581
Trading account gains and fees$0212
Additional Noninterest Income$251,0003,898
Total noninterest expense$4,443,0003,224
Salaries and employee benefits$2,341,0003,087
Premises and equipment expense$160,0006,427
Additional noninterest expense$1,942,0002,635
Pre-tax net operating income$2,704,0001,206
Securities gains (losses)$03,497
Applicable income taxes$783,0001,025
Income before extraordinary items$1,921,0001,386
Extraordinary gains, net$027
Net income$1,921,0001,384
Minority interest net income$0118
Net income of bank and minority interests.$1,921,0001,386
Net charge-offs$2,337,0001,381
Cash dividends$125,0003,450
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$1,921,0001,365
2009-06-30 (YTD Data)Rank
Total interest income$10,849,0001,640
Total interest expense$5,152,0001,277
Net interest income$5,697,0001,928
Provision for loan and lease losses$1,163,0001,897
Total noninterest income$302,0004,411
Gross Fiduciary activities income$30,000940
Service charges on deposit accounts$103,0004,607
Trading account gains and fees$0193
Additional Noninterest Income$169,0003,909
Total noninterest expense$2,872,0003,337
Salaries and employee benefits$1,521,0003,195
Premises and equipment expense$107,0006,458
Additional noninterest expense$1,244,0002,739
Pre-tax net operating income$1,964,0001,163
Securities gains (losses)$03,136
Applicable income taxes$586,000950
Income before extraordinary items$1,378,0001,377
Extraordinary gains, net$021
Net income$1,378,0001,374
Minority interest net income$0112
Net income of bank and minority interests.$1,378,0001,376
Net charge-offs$538,0002,268
Cash dividends$75,0003,463
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$1,378,0001,334
2009-03-31 (YTD Data)Rank
Total interest income$5,278,0001,699
Total interest expense$2,791,0001,226
Net interest income$2,487,0002,211
Provision for loan and lease losses$600,0001,587
Total noninterest income$150,0004,401
Gross Fiduciary activities income$14,000953
Service charges on deposit accounts$56,0004,381
Trading account gains and fees$0171
Additional Noninterest Income$80,0004,007
Total noninterest expense$1,200,0003,761
Salaries and employee benefits$774,0003,188
Premises and equipment expense$49,0006,650
Additional noninterest expense$377,0003,753
Pre-tax net operating income$837,0001,534
Securities gains (losses)$02,434
Applicable income taxes$236,0001,279
Income before extraordinary items$601,0001,794
Extraordinary gains, net$015
Net income$601,0001,795
Minority interest net income$0102
Net income of bank and minority interests.$601,0001,796
Net charge-offs$-2,0007,404
Cash dividends$25,0002,880
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$601,0001,695
2008-12-31 (YTD Data)Rank
Total interest income$22,760,0001,694
Total interest expense$13,100,0001,241
Net interest income$9,660,0002,287
Provision for loan and lease losses$2,415,0001,594
Total noninterest income$508,0004,804
Gross Fiduciary activities income$76,000922
Service charges on deposit accounts$171,0005,074
Trading account gains and fees$0154
Additional Noninterest Income$261,0004,348
Total noninterest expense$4,883,0003,632
Salaries and employee benefits$2,949,0003,306
Premises and equipment expense$235,0006,378
Additional noninterest expense$1,699,0003,299
Pre-tax net operating income$2,870,0001,876
Securities gains (losses)$03,220
Applicable income taxes$582,0001,698
Income before extraordinary items$2,288,0001,742
Extraordinary gains, net$039
Net income$2,288,0001,743
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$911,0002,063
Cash dividends$750,0002,739
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$2,288,0001,864
2008-09-30 (YTD Data)Rank
Total interest income$17,304,0001,716
Total interest expense$10,059,0001,256
Net interest income$7,245,0002,299
Provision for loan and lease losses$385,0003,138
Total noninterest income$385,0004,894
Gross Fiduciary activities income$62,000910
Service charges on deposit accounts$125,0005,163
Trading account gains and fees$0148
Additional Noninterest Income$198,0004,435
Total noninterest expense$3,425,0003,825
Salaries and employee benefits$2,149,0003,421
Premises and equipment expense$164,0006,546
Additional noninterest expense$1,112,0003,582
Pre-tax net operating income$3,820,0001,294
Securities gains (losses)$03,106
Applicable income taxes$1,207,000999
Income before extraordinary items$2,613,0001,415
Extraordinary gains, net$031
Net income$2,613,0001,412
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$339,0002,415
Cash dividends$350,0003,203
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$2,613,0001,492
2008-06-30 (YTD Data)Rank
Total interest income$11,665,0001,724
Total interest expense$6,915,0001,265
Net interest income$4,750,0002,315
Provision for loan and lease losses$240,0002,857
Total noninterest income$263,0004,894
Gross Fiduciary activities income$45,000912
Service charges on deposit accounts$85,0005,148
Trading account gains and fees$0149
Additional Noninterest Income$133,0004,505
Total noninterest expense$2,248,0003,887
Salaries and employee benefits$1,393,0003,524
Premises and equipment expense$112,0006,544
Additional noninterest expense$743,0003,552
Pre-tax net operating income$2,525,0001,364
Securities gains (losses)$03,233
Applicable income taxes$797,0001,114
Income before extraordinary items$1,728,0001,579
Extraordinary gains, net$021
Net income$1,728,0001,579
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,998
Cash dividends$150,0003,727
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$1,728,0001,548
2008-03-31 (YTD Data)Rank
Total interest income$5,978,0001,725
Total interest expense$3,644,0001,284
Net interest income$2,334,0002,354
Provision for loan and lease losses$120,0002,457
Total noninterest income$138,0004,795
Gross Fiduciary activities income$23,000924
Service charges on deposit accounts$46,0004,958
Trading account gains and fees$0158
Additional Noninterest Income$69,0004,449
Total noninterest expense$1,044,0004,117
Salaries and employee benefits$713,0003,498
Premises and equipment expense$62,0006,354
Additional noninterest expense$269,0004,455
Pre-tax net operating income$1,308,0001,429
Securities gains (losses)$02,688
Applicable income taxes$422,0001,150
Income before extraordinary items$886,0001,678
Extraordinary gains, net$015
Net income$886,0001,680
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,009
Cash dividends$100,0002,880
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$886,0001,615
2007-12-31 (YTD Data)Rank
Total interest income$25,181,0001,709
Total interest expense$15,207,0001,313
Net interest income$9,974,0002,252
Provision for loan and lease losses$480,0002,381
Total noninterest income$663,0004,420
Gross Fiduciary activities income$168,000835
Service charges on deposit accounts$182,0005,087
Trading account gains and fees$0178
Additional Noninterest Income$313,0004,159
Total noninterest expense$4,177,0003,978
Salaries and employee benefits$2,748,0003,461
Premises and equipment expense$306,0005,729
Additional noninterest expense$1,123,0004,262
Pre-tax net operating income$5,980,0001,399
Securities gains (losses)$02,146
Applicable income taxes$2,044,0001,120
Income before extraordinary items$3,936,0001,624
Extraordinary gains, net$039
Net income$3,936,0001,623
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$189,0002,931
Cash dividends$250,0004,633
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$3,936,0001,610
2007-09-30 (YTD Data)Rank
Total interest income$18,742,0001,723
Total interest expense$11,269,0001,330
Net interest income$7,473,0002,260
Provision for loan and lease losses$360,0002,007
Total noninterest income$499,0004,426
Gross Fiduciary activities income$129,000830
Service charges on deposit accounts$136,0005,117
Trading account gains and fees$0184
Additional Noninterest Income$234,0004,196
Total noninterest expense$2,986,0004,112
Salaries and employee benefits$2,015,0003,509
Premises and equipment expense$180,0006,334
Additional noninterest expense$791,0004,394
Pre-tax net operating income$4,626,0001,465
Securities gains (losses)$01,655
Applicable income taxes$1,589,0001,163
Income before extraordinary items$3,037,0001,666
Extraordinary gains, net$033
Net income$3,037,0001,665
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0005,809
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$3,037,0001,651
2007-06-30 (YTD Data)Rank
Total interest income$12,255,0001,769
Total interest expense$7,302,0001,376
Net interest income$4,953,0002,301
Provision for loan and lease losses$240,0001,865
Total noninterest income$296,0004,697
Gross Fiduciary activities income$56,000910
Service charges on deposit accounts$89,0005,167
Trading account gains and fees$0168
Additional Noninterest Income$151,0004,293
Total noninterest expense$1,904,0004,267
Salaries and employee benefits$1,308,0003,615
Premises and equipment expense$104,0006,694
Additional noninterest expense$492,0004,634
Pre-tax net operating income$3,105,0001,492
Securities gains (losses)$01,444
Applicable income taxes$1,066,0001,219
Income before extraordinary items$2,039,0001,695
Extraordinary gains, net$029
Net income$2,039,0001,695
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,517
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$2,039,0001,674
2007-03-31 (YTD Data)Rank
Total interest income$5,991,0001,802
Total interest expense$3,537,0001,408
Net interest income$2,454,0002,324
Provision for loan and lease losses$120,0001,752
Total noninterest income$148,0004,668
Gross Fiduciary activities income$29,000914
Service charges on deposit accounts$39,0005,359
Trading account gains and fees$0195
Additional Noninterest Income$80,0004,208
Total noninterest expense$955,0004,274
Salaries and employee benefits$670,0003,582
Premises and equipment expense$60,0006,403
Additional noninterest expense$225,0004,862
Pre-tax net operating income$1,527,0001,518
Securities gains (losses)$01,187
Applicable income taxes$514,0001,259
Income before extraordinary items$1,013,0001,695
Extraordinary gains, net$022
Net income$1,013,0001,695
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,509
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$1,013,0001,684
2006-12-31 (YTD Data)Rank
Total interest income$21,592,0001,859
Total interest expense$11,296,0001,488
Net interest income$10,296,0002,242
Provision for loan and lease losses$700,0001,414
Total noninterest income$585,0004,794
Gross Fiduciary activities income$85,000959
Service charges on deposit accounts$179,0005,192
Trading account gains and fees$0130
Additional Noninterest Income$321,0004,172
Total noninterest expense$3,875,0004,081
Salaries and employee benefits$2,672,0003,447
Premises and equipment expense$260,0006,109
Additional noninterest expense$943,0004,704
Pre-tax net operating income$6,306,0001,535
Securities gains (losses)$01,687
Applicable income taxes$2,365,0001,169
Income before extraordinary items$3,941,0001,814
Extraordinary gains, net$051
Net income$3,941,0001,816
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$74,0003,535
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$3,941,0001,791
2006-09-30 (YTD Data)Rank
Total interest income$15,291,0001,941
Total interest expense$7,951,0001,536
Net interest income$7,340,0002,354
Provision for loan and lease losses$360,0001,848
Total noninterest income$454,0004,740
Gross Fiduciary activities income$70,000935
Service charges on deposit accounts$143,0005,141
Trading account gains and fees$0126
Additional Noninterest Income$241,0004,157
Total noninterest expense$2,773,0004,207
Salaries and employee benefits$1,882,0003,606
Premises and equipment expense$203,0006,030
Additional noninterest expense$688,0004,771
Pre-tax net operating income$4,661,0001,603
Securities gains (losses)$01,388
Applicable income taxes$1,574,0001,343
Income before extraordinary items$3,087,0001,789
Extraordinary gains, net$045
Net income$3,087,0001,791
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$61,0002,946
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$3,087,0001,769
2006-06-30 (YTD Data)Rank
Total interest income$9,913,0001,956
Total interest expense$5,044,0001,542
Net interest income$4,869,0002,376
Provision for loan and lease losses$240,0001,809
Total noninterest income$304,0004,702
Gross Fiduciary activities income$48,000952
Service charges on deposit accounts$96,0005,111
Trading account gains and fees$0126
Additional Noninterest Income$160,0004,176
Total noninterest expense$1,793,0004,315
Salaries and employee benefits$1,207,0003,729
Premises and equipment expense$140,0005,947
Additional noninterest expense$446,0004,851
Pre-tax net operating income$3,140,0001,586
Securities gains (losses)$01,185
Applicable income taxes$1,061,0001,336
Income before extraordinary items$2,079,0001,751
Extraordinary gains, net$039
Net income$2,079,0001,752
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0007,463
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,079,0001,742
2006-03-31 (YTD Data)Rank
Total interest income$4,748,0002,002
Total interest expense$2,348,0001,562
Net interest income$2,400,0002,403
Provision for loan and lease losses$120,0001,730
Total noninterest income$150,0004,678
Gross Fiduciary activities income$25,000949
Service charges on deposit accounts$45,0005,172
Trading account gains and fees$0115
Additional Noninterest Income$80,0004,150
Total noninterest expense$892,0004,345
Salaries and employee benefits$616,0003,685
Premises and equipment expense$66,0006,124
Additional noninterest expense$210,0005,028
Pre-tax net operating income$1,538,0001,594
Securities gains (losses)$0955
Applicable income taxes$519,0001,354
Income before extraordinary items$1,019,0001,757
Extraordinary gains, net$021
Net income$1,019,0001,756
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0007,443
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,019,0001,741
2005-12-31 (YTD Data)Rank
Total interest income$15,774,0002,112
Total interest expense$6,819,0001,670
Net interest income$8,955,0002,450
Provision for loan and lease losses$880,0001,175
Total noninterest income$638,0004,634
Gross Fiduciary activities income$86,000972
Service charges on deposit accounts$166,0005,427
Trading account gains and fees$0138
Additional Noninterest Income$386,0003,831
Total noninterest expense$3,523,0004,269
Salaries and employee benefits$2,344,0003,663
Premises and equipment expense$237,0006,342
Additional noninterest expense$942,0004,616
Pre-tax net operating income$5,190,0001,808
Securities gains (losses)$02,296
Applicable income taxes$1,740,0001,523
Income before extraordinary items$3,450,0001,985
Extraordinary gains, net$046
Net income$3,450,0001,984
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$799,000806
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$3,450,0001,963
2005-09-30 (YTD Data)Rank
Total interest income$11,284,0002,155
Total interest expense$4,745,0001,700
Net interest income$6,539,0002,481
Provision for loan and lease losses$480,0001,448
Total noninterest income$482,0004,645
Gross Fiduciary activities income$64,000964
Service charges on deposit accounts$124,0005,464
Trading account gains and fees$0126
Additional Noninterest Income$294,0003,839
Total noninterest expense$2,547,0004,356
Salaries and employee benefits$1,713,0003,724
Premises and equipment expense$182,0006,253
Additional noninterest expense$652,0004,850
Pre-tax net operating income$3,994,0001,767
Securities gains (losses)$02,317
Applicable income taxes$1,352,0001,497
Income before extraordinary items$2,642,0001,972
Extraordinary gains, net$035
Net income$2,642,0001,971
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0007,295
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$2,642,0001,940
2005-06-30 (YTD Data)Rank
Total interest income$7,103,0002,220
Total interest expense$2,890,0001,752
Net interest income$4,213,0002,533
Provision for loan and lease losses$210,0002,058
Total noninterest income$299,0004,796
Gross Fiduciary activities income$42,000962
Service charges on deposit accounts$78,0005,536
Trading account gains and fees$0116
Additional Noninterest Income$179,0003,951
Total noninterest expense$1,645,0004,450
Salaries and employee benefits$1,117,0003,766
Premises and equipment expense$122,0006,241
Additional noninterest expense$406,0005,039
Pre-tax net operating income$2,657,0001,744
Securities gains (losses)$02,146
Applicable income taxes$908,0001,473
Income before extraordinary items$1,749,0001,942
Extraordinary gains, net$030
Net income$1,749,0001,942
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0007,029
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,749,0001,909
2005-03-31 (YTD Data)Rank
Total interest income$3,284,0002,349
Total interest expense$1,302,0001,829
Net interest income$1,982,0002,664
Provision for loan and lease losses$60,0002,830
Total noninterest income$145,0004,794
Gross Fiduciary activities income$21,000974
Service charges on deposit accounts$40,0005,458
Trading account gains and fees$0115
Additional Noninterest Income$84,0004,085
Total noninterest expense$770,0004,673
Salaries and employee benefits$522,0003,965
Premises and equipment expense$56,0006,500
Additional noninterest expense$192,0005,230
Pre-tax net operating income$1,297,0001,758
Securities gains (losses)$01,685
Applicable income taxes$447,0001,475
Income before extraordinary items$850,0001,977
Extraordinary gains, net$024
Net income$850,0001,978
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0006,685
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$850,0001,943
2004-12-31 (YTD Data)Rank
Total interest income$11,723,0002,453
Total interest expense$4,403,0001,844
Net interest income$7,320,0002,766
Provision for loan and lease losses$360,0002,548
Total noninterest income$665,0004,543
Gross Fiduciary activities income$66,0001,018
Service charges on deposit accounts$165,0005,611
Trading account gains and fees$0138
Additional Noninterest Income$434,0003,565
Total noninterest expense$3,262,0004,406
Salaries and employee benefits$2,152,0003,755
Premises and equipment expense$225,0006,455
Additional noninterest expense$885,0004,759
Pre-tax net operating income$4,363,0001,902
Securities gains (losses)$03,819
Applicable income taxes$1,573,0001,547
Income before extraordinary items$2,790,0002,209
Extraordinary gains, net$034
Net income$2,790,0002,210
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$323,0001,884
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$2,790,0002,159
2004-09-30 (YTD Data)Rank
Total interest income$8,539,0002,479
Total interest expense$3,207,0001,871
Net interest income$5,332,0002,818
Provision for loan and lease losses$225,0002,754
Total noninterest income$509,0004,493
Gross Fiduciary activities income$45,0001,032
Service charges on deposit accounts$126,0005,623
Trading account gains and fees$0134
Additional Noninterest Income$338,0003,503
Total noninterest expense$2,308,0004,550
Salaries and employee benefits$1,540,0003,872
Premises and equipment expense$170,0006,433
Additional noninterest expense$598,0005,064
Pre-tax net operating income$3,308,0001,891
Securities gains (losses)$03,710
Applicable income taxes$1,156,0001,586
Income before extraordinary items$2,152,0002,177
Extraordinary gains, net$026
Net income$2,152,0002,179
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,496
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$2,152,0002,124
2004-06-30 (YTD Data)Rank
Total interest income$5,578,0002,510
Total interest expense$2,091,0001,890
Net interest income$3,487,0002,863
Provision for loan and lease losses$120,0003,090
Total noninterest income$380,0004,222
Gross Fiduciary activities income$29,0001,046
Service charges on deposit accounts$84,0005,624
Trading account gains and fees$0130
Additional Noninterest Income$267,0003,192
Total noninterest expense$1,539,0004,583
Salaries and employee benefits$1,035,0003,870
Premises and equipment expense$112,0006,506
Additional noninterest expense$392,0005,129
Pre-tax net operating income$2,208,0001,885
Securities gains (losses)$03,413
Applicable income taxes$754,0001,604
Income before extraordinary items$1,454,0002,132
Extraordinary gains, net$021
Net income$1,454,0002,133
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,017
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,454,0002,076
2004-03-31 (YTD Data)Rank
Total interest income$2,794,0002,503
Total interest expense$1,064,0001,875
Net interest income$1,730,0002,874
Provision for loan and lease losses$60,0002,918
Total noninterest income$160,0004,617
Gross Fiduciary activities income$12,0001,071
Service charges on deposit accounts$39,0005,736
Trading account gains and fees$0121
Additional Noninterest Income$109,0003,531
Total noninterest expense$720,0004,825
Salaries and employee benefits$481,0004,133
Premises and equipment expense$56,0006,504
Additional noninterest expense$183,0005,379
Pre-tax net operating income$1,110,0001,843
Securities gains (losses)$02,934
Applicable income taxes$379,0001,641
Income before extraordinary items$731,0002,090
Extraordinary gains, net$016
Net income$731,0002,090
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$731,0002,012
2003-12-31 (YTD Data)Rank
Total interest income$11,472,0002,481
Total interest expense$4,847,0001,849
Net interest income$6,625,0002,899
Provision for loan and lease losses$580,0001,932
Total noninterest income$1,000,0003,727
Gross Fiduciary activities income$94,000970
Service charges on deposit accounts$172,0005,589
Trading account gains and fees$0160
Additional Noninterest Income$734,0002,876
Total noninterest expense$3,110,0004,496
Salaries and employee benefits$2,032,0003,873
Premises and equipment expense$246,0006,225
Additional noninterest expense$832,0004,922
Pre-tax net operating income$3,935,0002,000
Securities gains (losses)$04,500
Applicable income taxes$1,328,0001,795
Income before extraordinary items$2,607,0002,290
Extraordinary gains, net$054
Net income$2,607,0002,293
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0007,027
Cash dividends$45,0005,968
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,607,0002,191
2003-09-30 (YTD Data)Rank
Total interest income$8,638,0002,509
Total interest expense$3,743,0001,873
Net interest income$4,895,0002,948
Provision for loan and lease losses$385,0002,081
Total noninterest income$845,0003,513
Gross Fiduciary activities income$79,000957
Service charges on deposit accounts$134,0005,543
Trading account gains and fees$0153
Additional Noninterest Income$632,0002,739
Total noninterest expense$2,218,0004,626
Salaries and employee benefits$1,467,0003,995
Premises and equipment expense$179,0006,311
Additional noninterest expense$572,0005,183
Pre-tax net operating income$3,137,0001,971
Securities gains (losses)$04,204
Applicable income taxes$1,070,0001,755
Income before extraordinary items$2,067,0002,266
Extraordinary gains, net$040
Net income$2,067,0002,264
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,967
Cash dividends$45,0005,165
Sale, conversion, retirement of capital stock, net$0722
Net operating income$2,067,0002,151
2003-06-30 (YTD Data)Rank
Total interest income$5,764,0002,529
Total interest expense$2,529,0001,897
Net interest income$3,235,0002,965
Provision for loan and lease losses$240,0002,189
Total noninterest income$530,0003,621
Gross Fiduciary activities income$70,000905
Service charges on deposit accounts$90,0005,497
Trading account gains and fees$0150
Additional Noninterest Income$370,0002,916
Total noninterest expense$1,473,0004,655
Salaries and employee benefits$999,0003,919
Premises and equipment expense$114,0006,421
Additional noninterest expense$360,0005,374
Pre-tax net operating income$2,052,0001,988
Securities gains (losses)$03,782
Applicable income taxes$702,0001,814
Income before extraordinary items$1,350,0002,309
Extraordinary gains, net$030
Net income$1,350,0002,307
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,535
Cash dividends$45,0004,813
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,350,0002,182
2003-03-31 (YTD Data)Rank
Total interest income$2,848,0002,573
Total interest expense$1,264,0001,951
Net interest income$1,584,0003,017
Provision for loan and lease losses$120,0002,030
Total noninterest income$243,0003,698
Gross Fiduciary activities income$20,0001,017
Service charges on deposit accounts$44,0005,485
Trading account gains and fees$0134
Additional Noninterest Income$179,0002,909
Total noninterest expense$701,0004,785
Salaries and employee benefits$482,0004,017
Premises and equipment expense$58,0006,382
Additional noninterest expense$161,0005,702
Pre-tax net operating income$1,006,0002,032
Securities gains (losses)$02,891
Applicable income taxes$342,0001,858
Income before extraordinary items$664,0002,308
Extraordinary gains, net$021
Net income$664,0002,306
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$45,0003,495
Sale, conversion, retirement of capital stock, net$0419
Net operating income$664,0002,182
2002-12-31 (YTD Data)Rank
Total interest income$11,019,0002,765
Total interest expense$5,080,0002,210
Net interest income$5,939,0003,164
Provision for loan and lease losses$630,0001,978
Total noninterest income$706,0004,313
Gross Fiduciary activities income$30,0001,212
Service charges on deposit accounts$181,0005,450
Trading account gains and fees$0153
Additional Noninterest Income$495,0003,299
Total noninterest expense$2,591,0004,959
Salaries and employee benefits$1,559,0004,549
Premises and equipment expense$240,0006,266
Additional noninterest expense$792,0004,954
Pre-tax net operating income$3,424,0002,251
Securities gains (losses)$04,537
Applicable income taxes$1,233,0001,910
Income before extraordinary items$2,191,0002,619
Extraordinary gains, net$070
Net income$2,191,0002,618
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,632
Cash dividends$45,0006,022
Sale, conversion, retirement of capital stock, net$0862
Net operating income$2,191,0002,524
2001-12-31 (YTD Data)Rank
Total interest income$11,189,0003,022
Total interest expense$6,678,0002,400
Net interest income$4,511,0003,758
Provision for loan and lease losses$480,0002,273
Total noninterest income$473,0005,214
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$165,0005,585
Trading account gains and fees$0177
Additional Noninterest Income$308,0004,064
Total noninterest expense$2,170,0005,433
Salaries and employee benefits$1,272,0005,110
Premises and equipment expense$244,0006,160
Additional noninterest expense$654,0005,523
Pre-tax net operating income$2,334,0002,813
Securities gains (losses)$04,612
Applicable income taxes$838,0002,350
Income before extraordinary items$1,496,0003,236
Extraordinary gains, net$0105
Net income$1,496,0003,241
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0004,802
Cash dividends$45,0006,218
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,496,0003,126
2000-12-31 (YTD Data)Rank
Total interest income$10,986,0003,147
Total interest expense$6,944,0002,423
Net interest income$4,042,0004,146
Provision for loan and lease losses$607,0001,593
Total noninterest income$260,0006,670
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$151,0005,749
Trading account gains and fees$0180
Additional Noninterest Income$109,0006,226
Total noninterest expense$1,847,0005,971
Salaries and employee benefits$1,020,0005,839
Premises and equipment expense$223,0006,414
Additional noninterest expense$604,0005,765
Pre-tax net operating income$1,848,0003,508
Securities gains (losses)$01,956
Applicable income taxes$702,0002,776
Income before extraordinary items$1,146,0003,985
Extraordinary gains, net$038
Net income$1,146,0003,987
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$174,0002,625
Cash dividends$162,0005,390
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,146,0003,976
1999-12-31 (YTD Data)Rank
Total interest income$8,104,0003,864
Total interest expense$4,540,0003,211
Net interest income$3,564,0004,594
Provision for loan and lease losses$462,0001,885
Total noninterest income$229,0007,154
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$109,0006,547
Trading account gains and feesNANA
Additional Noninterest Income$120,0006,180
Total noninterest expense$1,665,0006,371
Salaries and employee benefits$922,0006,212
Premises and equipment expense$232,0006,305
Additional noninterest expense$511,0006,435
Pre-tax net operating income$1,666,0003,815
Securities gains (losses)$1,0002,805
Applicable income taxes$649,0003,057
Income before extraordinary items$1,018,0004,377
Extraordinary gains, net$035
Net income$1,018,0004,379
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0006,647
Cash dividends$65,0006,451
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,017,3604,348
1998-12-31 (YTD Data)Rank
Total interest income$5,410,0005,370
Total interest expense$3,124,0004,570
Net interest income$2,286,0006,149
Provision for loan and lease losses$300,0002,562
Total noninterest income$286,0006,602
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$76,0007,388
Trading account gains and feesNANA
Additional Noninterest Income$210,0004,842
Total noninterest expense$1,354,0007,090
Salaries and employee benefits$722,0007,062
Premises and equipment expense$239,0006,124
Additional noninterest expense$393,0007,272
Pre-tax net operating income$918,0005,679
Securities gains (losses)$04,449
Applicable income taxes$363,0004,679
Income before extraordinary items$555,0006,294
Extraordinary gains, net$032
Net income$555,0006,293
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$555,0006,176
1997-12-31 (YTD Data)Rank
Total interest income$3,399,0007,294
Total interest expense$1,914,0006,437
Net interest income$1,485,0008,016
Provision for loan and lease losses$412,0002,051
Total noninterest income$162,0008,402
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$72,0007,828
Trading account gains and feesNANA
Additional Noninterest Income$90,0007,074
Total noninterest expense$1,114,0007,965
Salaries and employee benefits$585,0008,019
Premises and equipment expense$208,0006,702
Additional noninterest expense$321,0008,113
Pre-tax net operating income$121,0009,985
Securities gains (losses)$1,0003,559
Applicable income taxes$-155,00010,765
Income before extraordinary items$277,0008,546
Extraordinary gains, net$044
Net income$277,0008,548
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,223
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$276,0008,506
1996-12-31 (YTD Data)Rank
Total interest income$1,007,00010,803
Total interest expense$511,00010,565
Net interest income$496,00010,901
Provision for loan and lease losses$290,0002,650
Total noninterest income$24,00011,209
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$14,0009,689
Trading account gains and feesNANA
Additional Noninterest Income$10,00010,975
Total noninterest expense$604,00010,156
Salaries and employee benefits$329,00010,115
Premises and equipment expense$77,0009,895
Additional noninterest expense$198,0009,951
Pre-tax net operating income$-374,00011,181
Securities gains (losses)$04,148
Applicable income taxes$-6,00010,924
Income before extraordinary items$-368,00011,220
Extraordinary gains, net$053
Net income$-368,00011,219
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$4,721,000159
Net operating income$-368,00011,191

* 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.