Home > West Texas State Bank > Income and Expense

West Texas State Bank, Income and Expense

2019-09-30 (YTD Data)Rank
Total interest income$13,533,0001,669
Total interest expense$548,0003,773
Net interest income$12,985,0001,429
Provision for loan and lease losses$-367,0005,178
Total noninterest income$2,641,0001,434
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$295,0002,249
Trading account gains and feesNANA
Additional Noninterest Income$2,346,0001,162
Total noninterest expense$9,233,0001,623
Salaries and employee benefits$5,062,0001,699
Premises and equipment expense$815,0001,933
Additional noninterest expense$3,356,0001,379
Pre-tax net operating income$6,760,0001,163
Securities gains (losses)$-593,0005,226
Applicable income taxes$03,902
Income before extraordinary items$6,167,0001,116
Extraordinary gains, net$011
Net income$6,167,0001,117
Minority interest net income$072
Net income of bank and minority interests.$6,167,0001,117
Net charge-offs$-370,0005,155
Cash dividends$2,014,0001,186
Sale, conversion, retirement of capital stock, net$0590
Net operating income$6,760,0001,017
2019-06-30 (YTD Data)Rank
Total interest income$8,973,0001,680
Total interest expense$375,0003,725
Net interest income$8,598,0001,434
Provision for loan and lease losses$30,0003,043
Total noninterest income$1,175,0001,792
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$194,0002,254
Trading account gains and feesNANA
Additional Noninterest Income$981,0001,513
Total noninterest expense$6,381,0001,568
Salaries and employee benefits$3,607,0001,593
Premises and equipment expense$530,0001,974
Additional noninterest expense$2,244,0001,389
Pre-tax net operating income$3,362,0001,411
Securities gains (losses)$-593,0005,277
Applicable income taxes$03,901
Income before extraordinary items$2,769,0001,473
Extraordinary gains, net$011
Net income$2,769,0001,472
Minority interest net income$069
Net income of bank and minority interests.$2,769,0001,473
Net charge-offs$-293,0005,201
Cash dividends$2,014,000853
Sale, conversion, retirement of capital stock, net$0573
Net operating income$3,362,0001,254
2019-03-31 (YTD Data)Rank
Total interest income$4,386,0001,716
Total interest expense$178,0003,780
Net interest income$4,208,0001,451
Provision for loan and lease losses$30,0002,400
Total noninterest income$740,0001,501
Gross Fiduciary activities income$0972
Service charges on deposit accounts$96,0002,272
Trading account gains and feesNANA
Additional Noninterest Income$644,0001,237
Total noninterest expense$3,233,0001,557
Salaries and employee benefits$1,867,0001,559
Premises and equipment expense$254,0002,059
Additional noninterest expense$1,112,0001,390
Pre-tax net operating income$1,685,0001,387
Securities gains (losses)$01,087
Applicable income taxes$03,800
Income before extraordinary items$1,685,0001,248
Extraordinary gains, net$05
Net income$1,685,0001,247
Minority interest net income$052
Net income of bank and minority interests.$1,685,0001,247
Net charge-offs$-158,0005,249
Cash dividends$2,014,000495
Sale, conversion, retirement of capital stock, net$0529
Net operating income$1,685,0001,227
2018-12-31 (YTD Data)Rank
Total interest income$17,392,0001,635
Total interest expense$524,0003,874
Net interest income$16,868,0001,434
Provision for loan and lease losses$220,0002,284
Total noninterest income$1,730,0002,153
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$387,0002,334
Trading account gains and feesNANA
Additional Noninterest Income$1,343,0001,912
Total noninterest expense$12,946,0001,520
Salaries and employee benefits$6,988,0001,601
Premises and equipment expense$1,179,0001,831
Additional noninterest expense$4,779,0001,293
Pre-tax net operating income$5,432,0001,672
Securities gains (losses)$-212,0005,165
Applicable income taxes$03,978
Income before extraordinary items$5,220,0001,537
Extraordinary gains, net$06
Net income$5,220,0001,535
Minority interest net income$072
Net income of bank and minority interests.$5,220,0001,536
Net charge-offs$833,000687
Cash dividends$04,033
Sale, conversion, retirement of capital stock, net$0671
Net operating income$5,432,0001,473
2018-09-30 (YTD Data)Rank
Total interest income$12,987,0001,627
Total interest expense$361,0003,927
Net interest income$12,626,0001,435
Provision for loan and lease losses$190,0002,035
Total noninterest income$1,277,0002,200
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$284,0002,386
Trading account gains and feesNANA
Additional Noninterest Income$993,0001,940
Total noninterest expense$9,515,0001,536
Salaries and employee benefits$5,195,0001,615
Premises and equipment expense$803,0001,963
Additional noninterest expense$3,517,0001,320
Pre-tax net operating income$4,198,0001,622
Securities gains (losses)$-155,0005,304
Applicable income taxes$04,032
Income before extraordinary items$4,043,0001,494
Extraordinary gains, net$05
Net income$4,043,0001,492
Minority interest net income$066
Net income of bank and minority interests.$4,043,0001,493
Net charge-offs$1,011,000437
Cash dividends$03,618
Sale, conversion, retirement of capital stock, net$0633
Net operating income$4,198,0001,433
2018-06-30 (YTD Data)Rank
Total interest income$7,859,0001,758
Total interest expense$207,0004,084
Net interest income$7,652,0001,567
Provision for loan and lease losses$60,0002,584
Total noninterest income$871,0002,164
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$187,0002,397
Trading account gains and feesNANA
Additional Noninterest Income$684,0001,906
Total noninterest expense$6,364,0001,544
Salaries and employee benefits$3,501,0001,619
Premises and equipment expense$461,0002,190
Additional noninterest expense$2,402,0001,295
Pre-tax net operating income$2,099,0002,032
Securities gains (losses)$-155,0005,397
Applicable income taxes$04,018
Income before extraordinary items$1,944,0001,924
Extraordinary gains, net$06
Net income$1,944,0001,922
Minority interest net income$065
Net income of bank and minority interests.$1,944,0001,923
Net charge-offs$739,000391
Cash dividends$03,485
Sale, conversion, retirement of capital stock, net$0620
Net operating income$2,099,0001,803
2018-03-31 (YTD Data)Rank
Total interest income$3,689,0001,842
Total interest expense$104,0004,066
Net interest income$3,585,0001,663
Provision for loan and lease losses$30,0002,415
Total noninterest income$441,0002,139
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$94,0002,399
Trading account gains and feesNANA
Additional Noninterest Income$347,0001,855
Total noninterest expense$3,195,0001,552
Salaries and employee benefits$1,788,0001,597
Premises and equipment expense$200,0002,449
Additional noninterest expense$1,207,0001,274
Pre-tax net operating income$801,0002,386
Securities gains (losses)$-155,0005,510
Applicable income taxes$03,948
Income before extraordinary items$646,0002,495
Extraordinary gains, net$07
Net income$646,0002,495
Minority interest net income$052
Net income of bank and minority interests.$646,0002,495
Net charge-offs$-112,0005,402
Cash dividends$02,774
Sale, conversion, retirement of capital stock, net$0580
Net operating income$801,0002,152
2017-12-31 (YTD Data)Rank
Total interest income$13,337,0001,944
Total interest expense$307,0004,376
Net interest income$13,030,0001,777
Provision for loan and lease losses$125,0002,809
Total noninterest income$1,762,0002,193
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$470,0002,130
Trading account gains and feesNANA
Additional Noninterest Income$1,292,0001,985
Total noninterest expense$11,479,0001,673
Salaries and employee benefits$6,385,0001,723
Premises and equipment expense$1,096,0001,980
Additional noninterest expense$3,998,0001,525
Pre-tax net operating income$3,188,0002,391
Securities gains (losses)$-192,0005,508
Applicable income taxes$04,135
Income before extraordinary items$2,996,0002,058
Extraordinary gains, net$09
Net income$2,996,0002,057
Minority interest net income$076
Net income of bank and minority interests.$2,996,0002,058
Net charge-offs$4,082,000237
Cash dividends$04,147
Sale, conversion, retirement of capital stock, net$0711
Net operating income$3,188,0001,915
2017-09-30 (YTD Data)Rank
Total interest income$9,730,0001,988
Total interest expense$213,0004,488
Net interest income$9,517,0001,823
Provision for loan and lease losses$50,0003,230
Total noninterest income$1,284,0002,257
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$371,0002,052
Trading account gains and feesNANA
Additional Noninterest Income$913,0002,090
Total noninterest expense$8,632,0001,678
Salaries and employee benefits$4,765,0001,735
Premises and equipment expense$673,0002,275
Additional noninterest expense$3,194,0001,429
Pre-tax net operating income$2,119,0002,638
Securities gains (losses)$-49,0005,589
Applicable income taxes$04,172
Income before extraordinary items$2,070,0002,345
Extraordinary gains, net$09
Net income$2,070,0002,344
Minority interest net income$071
Net income of bank and minority interests.$2,070,0002,345
Net charge-offs$2,828,000237
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$0677
Net operating income$2,119,0002,284
2017-06-30 (YTD Data)Rank
Total interest income$5,774,0002,184
Total interest expense$140,0004,515
Net interest income$5,634,0002,004
Provision for loan and lease losses$03,871
Total noninterest income$1,373,0001,681
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$332,0001,625
Trading account gains and feesNANA
Additional Noninterest Income$1,041,0001,508
Total noninterest expense$5,753,0001,689
Salaries and employee benefits$3,101,0001,773
Premises and equipment expense$496,0002,145
Additional noninterest expense$2,156,0001,412
Pre-tax net operating income$1,254,0002,777
Securities gains (losses)$-52,0005,672
Applicable income taxes$04,189
Income before extraordinary items$1,202,0002,528
Extraordinary gains, net$011
Net income$1,202,0002,527
Minority interest net income$071
Net income of bank and minority interests.$1,202,0002,528
Net charge-offs$2,878,000181
Cash dividends$03,544
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,254,0002,429
2017-03-31 (YTD Data)Rank
Total interest income$3,015,0002,104
Total interest expense$64,0004,642
Net interest income$2,951,0001,927
Provision for loan and lease losses$03,537
Total noninterest income$412,0002,299
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$134,0001,929
Trading account gains and feesNANA
Additional Noninterest Income$278,0002,196
Total noninterest expense$2,878,0001,706
Salaries and employee benefits$1,559,0001,780
Premises and equipment expense$297,0001,903
Additional noninterest expense$1,022,0001,472
Pre-tax net operating income$485,0003,130
Securities gains (losses)$-92,0005,799
Applicable income taxes$04,086
Income before extraordinary items$393,0003,160
Extraordinary gains, net$08
Net income$393,0003,158
Minority interest net income$055
Net income of bank and minority interests.$393,0003,160
Net charge-offs$-222,0005,736
Cash dividends$02,846
Sale, conversion, retirement of capital stock, net$0632
Net operating income$485,0002,786
2016-12-31 (YTD Data)Rank
Total interest income$13,548,0001,873
Total interest expense$247,0004,729
Net interest income$13,301,0001,690
Provision for loan and lease losses$5,432,000244
Total noninterest income$3,820,0001,384
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$618,0001,767
Trading account gains and fees$12,000160
Additional Noninterest Income$3,190,0001,157
Total noninterest expense$10,765,0001,782
Salaries and employee benefits$5,339,0001,992
Premises and equipment expense$1,274,0001,765
Additional noninterest expense$4,152,0001,483
Pre-tax net operating income$924,0004,165
Securities gains (losses)$15,0002,508
Applicable income taxes$04,278
Income before extraordinary items$939,0003,965
Extraordinary gains, net$05
Net income$939,0003,963
Minority interest net income$082
Net income of bank and minority interests.$939,0003,964
Net charge-offs$5,050,000207
Cash dividends$537,0002,887
Sale, conversion, retirement of capital stock, net$0759
Net operating income$924,0003,923
2016-09-30 (YTD Data)Rank
Total interest income$10,441,0001,824
Total interest expense$183,0004,783
Net interest income$10,258,0001,642
Provision for loan and lease losses$5,432,000193
Total noninterest income$3,615,0001,175
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$476,0001,737
Trading account gains and fees$105,000129
Additional Noninterest Income$3,034,000980
Total noninterest expense$7,846,0001,824
Salaries and employee benefits$4,027,0001,975
Premises and equipment expense$836,0001,979
Additional noninterest expense$2,983,0001,545
Pre-tax net operating income$595,0004,434
Securities gains (losses)$15,0002,436
Applicable income taxes$04,325
Income before extraordinary items$610,0004,231
Extraordinary gains, net$05
Net income$610,0004,230
Minority interest net income$071
Net income of bank and minority interests.$610,0004,231
Net charge-offs$2,105,000290
Cash dividends$537,0002,304
Sale, conversion, retirement of capital stock, net$0719
Net operating income$595,0004,186
2016-06-30 (YTD Data)Rank
Total interest income$7,057,0001,793
Total interest expense$120,0004,851
Net interest income$6,937,0001,617
Provision for loan and lease losses$1,163,000448
Total noninterest income$904,0002,225
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$325,0001,696
Trading account gains and fees$50,000138
Additional Noninterest Income$529,0002,307
Total noninterest expense$5,194,0001,838
Salaries and employee benefits$2,712,0001,956
Premises and equipment expense$536,0002,037
Additional noninterest expense$1,946,0001,572
Pre-tax net operating income$1,484,0002,419
Securities gains (losses)$4,0002,523
Applicable income taxes$04,338
Income before extraordinary items$1,488,0002,143
Extraordinary gains, net$1,872,0004
Net income$3,360,0001,094
Minority interest net income$071
Net income of bank and minority interests.$3,360,0001,094
Net charge-offs$1,426,000277
Cash dividends$537,0001,892
Sale, conversion, retirement of capital stock, net$0705
Net operating income$1,484,0002,082
2016-03-31 (YTD Data)Rank
Total interest income$3,619,0001,760
Total interest expense$60,0004,887
Net interest income$3,559,0001,580
Provision for loan and lease losses$1,013,000274
Total noninterest income$441,0002,238
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$169,0001,637
Trading account gains and fees$24,000128
Additional Noninterest Income$248,0002,348
Total noninterest expense$2,617,0001,834
Salaries and employee benefits$1,356,0001,966
Premises and equipment expense$258,0002,111
Additional noninterest expense$1,003,0001,520
Pre-tax net operating income$370,0003,532
Securities gains (losses)$4,0001,767
Applicable income taxes$04,259
Income before extraordinary items$374,0003,254
Extraordinary gains, net$1,872,0002
Net income$2,246,000812
Minority interest net income$062
Net income of bank and minority interests.$2,246,000814
Net charge-offs$493,000344
Cash dividends$535,0001,147
Sale, conversion, retirement of capital stock, net$0659
Net operating income$370,0003,201
2015-12-31 (YTD Data)Rank
Total interest income$13,981,0001,768
Total interest expense$241,0004,926
Net interest income$13,740,0001,591
Provision for loan and lease losses$3,641,000275
Total noninterest income$1,866,0002,199
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$616,0001,811
Trading account gains and fees$46,000127
Additional Noninterest Income$1,204,0002,130
Total noninterest expense$10,231,0001,851
Salaries and employee benefits$5,036,0002,041
Premises and equipment expense$1,216,0001,866
Additional noninterest expense$3,979,0001,533
Pre-tax net operating income$1,734,0003,258
Securities gains (losses)$244,000646
Applicable income taxes$04,402
Income before extraordinary items$1,978,0002,755
Extraordinary gains, net$023
Net income$1,978,0002,756
Minority interest net income$081
Net income of bank and minority interests.$1,978,0002,757
Net charge-offs$1,202,000588
Cash dividends$2,820,0001,039
Sale, conversion, retirement of capital stock, net$0804
Net operating income$1,734,0002,932
2015-09-30 (YTD Data)Rank
Total interest income$10,450,0001,797
Total interest expense$181,0005,004
Net interest income$10,269,0001,614
Provision for loan and lease losses$50,0003,229
Total noninterest income$1,360,0002,249
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$447,0001,860
Trading account gains and fees$0153
Additional Noninterest Income$913,0002,142
Total noninterest expense$7,445,0001,909
Salaries and employee benefits$3,760,0002,063
Premises and equipment expense$867,0001,974
Additional noninterest expense$2,818,0001,610
Pre-tax net operating income$4,134,0001,482
Securities gains (losses)$259,000532
Applicable income taxes$04,489
Income before extraordinary items$4,393,0001,209
Extraordinary gains, net$021
Net income$4,393,0001,208
Minority interest net income$078
Net income of bank and minority interests.$4,393,0001,209
Net charge-offs$764,000623
Cash dividends$2,283,000882
Sale, conversion, retirement of capital stock, net$0773
Net operating income$4,134,0001,227
2015-06-30 (YTD Data)Rank
Total interest income$6,979,0001,793
Total interest expense$121,0005,054
Net interest income$6,858,0001,613
Provision for loan and lease losses$04,069
Total noninterest income$897,0002,270
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$287,0001,883
Trading account gains and fees$0157
Additional Noninterest Income$610,0002,155
Total noninterest expense$4,887,0001,949
Salaries and employee benefits$2,495,0002,084
Premises and equipment expense$575,0001,988
Additional noninterest expense$1,817,0001,673
Pre-tax net operating income$2,868,0001,432
Securities gains (losses)$265,000422
Applicable income taxes$04,497
Income before extraordinary items$3,133,0001,121
Extraordinary gains, net$022
Net income$3,133,0001,120
Minority interest net income$075
Net income of bank and minority interests.$3,133,0001,122
Net charge-offs$322,000863
Cash dividends$1,611,000848
Sale, conversion, retirement of capital stock, net$0751
Net operating income$2,868,0001,188
2015-03-31 (YTD Data)Rank
Total interest income$3,363,0001,853
Total interest expense$61,0005,083
Net interest income$3,302,0001,674
Provision for loan and lease losses$03,703
Total noninterest income$447,0002,256
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$142,0001,891
Trading account gains and fees$0152
Additional Noninterest Income$305,0002,105
Total noninterest expense$2,384,0001,993
Salaries and employee benefits$1,252,0002,080
Premises and equipment expense$264,0002,148
Additional noninterest expense$868,0001,740
Pre-tax net operating income$1,365,0001,449
Securities gains (losses)$02,027
Applicable income taxes$04,400
Income before extraordinary items$1,365,0001,233
Extraordinary gains, net$013
Net income$1,365,0001,233
Minority interest net income$064
Net income of bank and minority interests.$1,365,0001,234
Net charge-offs$5,0002,746
Cash dividends$1,209,000564
Sale, conversion, retirement of capital stock, net$0697
Net operating income$1,365,0001,193
2014-12-31 (YTD Data)Rank
Total interest income$11,293,0002,142
Total interest expense$252,0005,212
Net interest income$11,041,0001,957
Provision for loan and lease losses$04,603
Total noninterest income$3,092,0001,536
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$593,0001,990
Trading account gains and fees$0180
Additional Noninterest Income$2,499,0001,252
Total noninterest expense$9,584,0001,982
Salaries and employee benefits$4,613,0002,203
Premises and equipment expense$1,009,0002,223
Additional noninterest expense$3,962,0001,574
Pre-tax net operating income$4,549,0001,659
Securities gains (losses)$1,089,000195
Applicable income taxes$04,531
Income before extraordinary items$5,638,0001,170
Extraordinary gains, net$017
Net income$5,638,0001,168
Minority interest net income$084
Net income of bank and minority interests.$5,638,0001,169
Net charge-offs$-817,0006,438
Cash dividends$1,074,0001,953
Sale, conversion, retirement of capital stock, net$0862
Net operating income$4,549,0001,394
2014-09-30 (YTD Data)Rank
Total interest income$8,137,0002,233
Total interest expense$189,0005,290
Net interest income$7,948,0002,022
Provision for loan and lease losses$04,401
Total noninterest income$2,450,0001,470
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$458,0001,941
Trading account gains and fees$45,000140
Additional Noninterest Income$1,947,0001,223
Total noninterest expense$6,288,0002,251
Salaries and employee benefits$3,276,0002,316
Premises and equipment expense$781,0002,187
Additional noninterest expense$2,231,0002,045
Pre-tax net operating income$4,110,0001,427
Securities gains (losses)$926,000169
Applicable income taxes$04,583
Income before extraordinary items$5,036,000991
Extraordinary gains, net$015
Net income$5,036,000990
Minority interest net income$081
Net income of bank and minority interests.$5,036,000990
Net charge-offs$-826,0006,526
Cash dividends$537,0002,143
Sale, conversion, retirement of capital stock, net$0819
Net operating income$4,110,0001,178
2014-06-30 (YTD Data)Rank
Total interest income$5,233,0002,302
Total interest expense$120,0005,412
Net interest income$5,113,0002,072
Provision for loan and lease losses$04,196
Total noninterest income$815,0002,383
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$303,0001,937
Trading account gains and fees$0172
Additional Noninterest Income$512,0002,280
Total noninterest expense$4,118,0002,280
Salaries and employee benefits$2,156,0002,341
Premises and equipment expense$507,0002,247
Additional noninterest expense$1,455,0002,075
Pre-tax net operating income$1,810,0001,967
Securities gains (losses)$892,000137
Applicable income taxes$04,568
Income before extraordinary items$2,702,0001,178
Extraordinary gains, net$020
Net income$2,702,0001,178
Minority interest net income$080
Net income of bank and minority interests.$2,702,0001,179
Net charge-offs$-852,0006,605
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$0794
Net operating income$1,810,0001,648
2014-03-31 (YTD Data)Rank
Total interest income$2,602,0002,317
Total interest expense$61,0005,457
Net interest income$2,541,0002,085
Provision for loan and lease losses$03,817
Total noninterest income$403,0002,361
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$152,0001,911
Trading account gains and fees$0147
Additional Noninterest Income$251,0002,254
Total noninterest expense$2,038,0002,300
Salaries and employee benefits$1,090,0002,326
Premises and equipment expense$239,0002,396
Additional noninterest expense$709,0002,123
Pre-tax net operating income$906,0001,909
Securities gains (losses)$630,000110
Applicable income taxes$04,445
Income before extraordinary items$1,536,0001,017
Extraordinary gains, net$016
Net income$1,536,0001,018
Minority interest net income$066
Net income of bank and minority interests.$1,536,0001,018
Net charge-offs$-858,0006,696
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$906,0001,587
2013-12-31 (YTD Data)Rank
Total interest income$12,097,0002,039
Total interest expense$364,0005,085
Net interest income$11,733,0001,829
Provision for loan and lease losses$1,000,0001,089
Total noninterest income$1,370,0002,731
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$617,0002,017
Trading account gains and fees$0184
Additional Noninterest Income$753,0002,756
Total noninterest expense$8,032,0002,327
Salaries and employee benefits$4,013,0002,473
Premises and equipment expense$1,003,0002,247
Additional noninterest expense$3,016,0002,074
Pre-tax net operating income$4,071,0001,703
Securities gains (losses)$2,361,000108
Applicable income taxes$04,631
Income before extraordinary items$6,432,000963
Extraordinary gains, net$029
Net income$6,432,000966
Minority interest net income$090
Net income of bank and minority interests.$6,432,000966
Net charge-offs$96,0003,776
Cash dividends$3,349,000799
Sale, conversion, retirement of capital stock, net$0924
Net operating income$4,071,0001,442
2013-09-30 (YTD Data)Rank
Total interest income$9,319,0001,995
Total interest expense$297,0005,026
Net interest income$9,022,0001,793
Provision for loan and lease losses$900,000951
Total noninterest income$1,033,0002,775
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$465,0002,005
Trading account gains and fees$0180
Additional Noninterest Income$568,0002,826
Total noninterest expense$5,681,0002,458
Salaries and employee benefits$2,888,0002,563
Premises and equipment expense$635,0002,609
Additional noninterest expense$2,158,0002,153
Pre-tax net operating income$3,474,0001,546
Securities gains (losses)$1,765,000132
Applicable income taxes$04,713
Income before extraordinary items$5,239,000907
Extraordinary gains, net$025
Net income$5,239,000909
Minority interest net income$084
Net income of bank and minority interests.$5,239,000909
Net charge-offs$107,0003,191
Cash dividends$3,199,000608
Sale, conversion, retirement of capital stock, net$0868
Net operating income$3,474,0001,286
2013-06-30 (YTD Data)Rank
Total interest income$6,308,0001,976
Total interest expense$209,0004,977
Net interest income$6,099,0001,758
Provision for loan and lease losses$600,000990
Total noninterest income$676,0002,825
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$302,0002,025
Trading account gains and fees$0157
Additional Noninterest Income$374,0002,901
Total noninterest expense$3,824,0002,439
Salaries and employee benefits$1,964,0002,532
Premises and equipment expense$394,0002,776
Additional noninterest expense$1,466,0002,119
Pre-tax net operating income$2,351,0001,513
Securities gains (losses)$1,706,000118
Applicable income taxes$04,679
Income before extraordinary items$4,057,000767
Extraordinary gains, net$022
Net income$4,057,000769
Minority interest net income$082
Net income of bank and minority interests.$4,057,000769
Net charge-offs$91,0002,841
Cash dividends$2,935,000468
Sale, conversion, retirement of capital stock, net$0838
Net operating income$2,351,0001,234
2013-03-31 (YTD Data)Rank
Total interest income$3,190,0001,970
Total interest expense$108,0005,002
Net interest income$3,082,0001,745
Provision for loan and lease losses$300,000980
Total noninterest income$348,0002,774
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$154,0001,989
Trading account gains and fees$0148
Additional Noninterest Income$194,0002,819
Total noninterest expense$1,868,0002,520
Salaries and employee benefits$1,023,0002,469
Premises and equipment expense$195,0002,811
Additional noninterest expense$650,0002,372
Pre-tax net operating income$1,262,0001,401
Securities gains (losses)$998,000110
Applicable income taxes$04,602
Income before extraordinary items$2,260,000698
Extraordinary gains, net$010
Net income$2,260,000697
Minority interest net income$076
Net income of bank and minority interests.$2,260,000699
Net charge-offs$65,0002,229
Cash dividends$2,349,000269
Sale, conversion, retirement of capital stock, net$0789
Net operating income$1,262,0001,134
2012-12-31 (YTD Data)Rank
Total interest income$12,484,0002,094
Total interest expense$594,0004,770
Net interest income$11,890,0001,839
Provision for loan and lease losses$2,150,0001,010
Total noninterest income$1,217,0002,942
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$573,0002,228
Trading account gains and fees$0166
Additional Noninterest Income$644,0003,004
Total noninterest expense$7,510,0002,505
Salaries and employee benefits$4,053,0002,410
Premises and equipment expense$949,0002,366
Additional noninterest expense$2,508,0002,553
Pre-tax net operating income$3,447,0001,848
Securities gains (losses)$3,763,000126
Applicable income taxes$04,751
Income before extraordinary items$7,210,000817
Extraordinary gains, net$029
Net income$7,210,000817
Minority interest net income$093
Net income of bank and minority interests.$7,210,000817
Net charge-offs$1,460,0001,429
Cash dividends$1,788,0001,321
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$3,447,0001,564
2012-09-30 (YTD Data)Rank
Total interest income$9,238,0002,158
Total interest expense$474,0004,775
Net interest income$8,764,0001,895
Provision for loan and lease losses$775,0001,740
Total noninterest income$903,0002,974
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$431,0002,253
Trading account gains and fees$0157
Additional Noninterest Income$472,0003,032
Total noninterest expense$5,289,0002,652
Salaries and employee benefits$2,825,0002,616
Premises and equipment expense$648,0002,596
Additional noninterest expense$1,816,0002,644
Pre-tax net operating income$3,603,0001,462
Securities gains (losses)$2,783,000140
Applicable income taxes$04,802
Income before extraordinary items$6,386,000720
Extraordinary gains, net$020
Net income$6,386,000719
Minority interest net income$086
Net income of bank and minority interests.$6,386,000720
Net charge-offs$455,0002,309
Cash dividends$1,137,0001,214
Sale, conversion, retirement of capital stock, net$0952
Net operating income$3,603,0001,179
2012-06-30 (YTD Data)Rank
Total interest income$6,152,0002,167
Total interest expense$324,0004,823
Net interest income$5,828,0001,898
Provision for loan and lease losses$450,0001,913
Total noninterest income$588,0002,963
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$280,0002,278
Trading account gains and fees$0153
Additional Noninterest Income$308,0003,036
Total noninterest expense$3,497,0002,676
Salaries and employee benefits$1,888,0002,613
Premises and equipment expense$424,0002,646
Additional noninterest expense$1,185,0002,712
Pre-tax net operating income$2,469,0001,407
Securities gains (losses)$1,545,000174
Applicable income taxes$04,770
Income before extraordinary items$4,014,000761
Extraordinary gains, net$019
Net income$4,014,000759
Minority interest net income$084
Net income of bank and minority interests.$4,014,000761
Net charge-offs$-185,0007,157
Cash dividends$704,0001,274
Sale, conversion, retirement of capital stock, net$0928
Net operating income$2,469,0001,143
2012-03-31 (YTD Data)Rank
Total interest income$2,979,0002,268
Total interest expense$157,0004,998
Net interest income$2,822,0001,964
Provision for loan and lease losses$225,0001,839
Total noninterest income$281,0003,045
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$131,0002,388
Trading account gains and fees$0148
Additional Noninterest Income$150,0003,069
Total noninterest expense$1,719,0002,715
Salaries and employee benefits$953,0002,593
Premises and equipment expense$212,0002,673
Additional noninterest expense$554,0002,846
Pre-tax net operating income$1,159,0001,488
Securities gains (losses)$644,000220
Applicable income taxes$04,704
Income before extraordinary items$1,803,000838
Extraordinary gains, net$019
Net income$1,803,000837
Minority interest net income$078
Net income of bank and minority interests.$1,803,000839
Net charge-offs$-2,0006,038
Cash dividends$508,000842
Sale, conversion, retirement of capital stock, net$0861
Net operating income$1,159,0001,183
2011-12-31 (YTD Data)Rank
Total interest income$10,914,0002,557
Total interest expense$707,0005,175
Net interest income$10,207,0002,144
Provision for loan and lease losses$1,710,0001,745
Total noninterest income$882,0003,341
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$505,0002,546
Trading account gains and fees$0146
Additional Noninterest Income$377,0003,522
Total noninterest expense$6,495,0002,861
Salaries and employee benefits$3,548,0002,717
Premises and equipment expense$960,0002,489
Additional noninterest expense$1,987,0003,154
Pre-tax net operating income$2,884,0001,912
Securities gains (losses)$1,832,000256
Applicable income taxes$04,719
Income before extraordinary items$4,716,0001,054
Extraordinary gains, net$029
Net income$4,716,0001,054
Minority interest net income$096
Net income of bank and minority interests.$4,716,0001,054
Net charge-offs$1,190,0002,164
Cash dividends$4,537,000458
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$2,884,0001,595
2011-09-30 (YTD Data)Rank
Total interest income$8,157,0002,586
Total interest expense$563,0005,175
Net interest income$7,594,0002,162
Provision for loan and lease losses$270,0003,754
Total noninterest income$663,0003,344
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$385,0002,524
Trading account gains and fees$0145
Additional Noninterest Income$278,0003,577
Total noninterest expense$4,706,0002,948
Salaries and employee benefits$2,651,0002,718
Premises and equipment expense$646,0002,767
Additional noninterest expense$1,409,0003,309
Pre-tax net operating income$3,281,0001,373
Securities gains (losses)$1,832,000200
Applicable income taxes$04,740
Income before extraordinary items$5,113,000759
Extraordinary gains, net$021
Net income$5,113,000758
Minority interest net income$087
Net income of bank and minority interests.$5,113,000759
Net charge-offs$-27,0007,163
Cash dividends$4,057,000353
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$3,281,0001,112
2011-06-30 (YTD Data)Rank
Total interest income$5,355,0002,645
Total interest expense$386,0005,217
Net interest income$4,969,0002,209
Provision for loan and lease losses$180,0003,659
Total noninterest income$432,0003,405
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$251,0002,557
Trading account gains and fees$0153
Additional Noninterest Income$181,0003,663
Total noninterest expense$3,158,0002,961
Salaries and employee benefits$1,809,0002,678
Premises and equipment expense$411,0002,901
Additional noninterest expense$938,0003,351
Pre-tax net operating income$2,063,0001,411
Securities gains (losses)$1,682,000126
Applicable income taxes$04,697
Income before extraordinary items$3,745,000696
Extraordinary gains, net$015
Net income$3,745,000695
Minority interest net income$089
Net income of bank and minority interests.$3,745,000696
Net charge-offs$-23,0007,182
Cash dividends$3,175,000296
Sale, conversion, retirement of capital stock, net$0986
Net operating income$2,063,0001,163
2011-03-31 (YTD Data)Rank
Total interest income$2,710,0002,633
Total interest expense$196,0005,283
Net interest income$2,514,0002,170
Provision for loan and lease losses$90,0003,467
Total noninterest income$210,0003,487
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$123,0002,573
Trading account gains and fees$0158
Additional Noninterest Income$87,0003,779
Total noninterest expense$1,566,0002,991
Salaries and employee benefits$907,0002,674
Premises and equipment expense$189,0003,127
Additional noninterest expense$470,0003,339
Pre-tax net operating income$1,068,0001,357
Securities gains (losses)$1,258,00084
Applicable income taxes$04,545
Income before extraordinary items$2,326,000566
Extraordinary gains, net$09
Net income$2,326,000566
Minority interest net income$086
Net income of bank and minority interests.$2,326,000566
Net charge-offs$-8,0006,939
Cash dividends$1,400,000293
Sale, conversion, retirement of capital stock, net$0925
Net operating income$1,068,0001,117
2010-12-31 (YTD Data)Rank
Total interest income$10,976,0002,727
Total interest expense$939,0005,367
Net interest income$10,037,0002,183
Provision for loan and lease losses$360,0004,589
Total noninterest income$886,0003,445
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$564,0002,413
Trading account gains and fees$0175
Additional Noninterest Income$322,0003,843
Total noninterest expense$6,820,0002,786
Salaries and employee benefits$3,638,0002,638
Premises and equipment expense$838,0002,883
Additional noninterest expense$2,344,0002,819
Pre-tax net operating income$3,743,0001,337
Securities gains (losses)$1,521,000340
Applicable income taxes$04,655
Income before extraordinary items$5,264,000839
Extraordinary gains, net$029
Net income$5,264,000839
Minority interest net income$0111
Net income of bank and minority interests.$5,264,000840
Net charge-offs$92,0005,482
Cash dividends$3,360,000491
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$3,743,0001,108
2010-09-30 (YTD Data)Rank
Total interest income$8,150,0002,806
Total interest expense$720,0005,468
Net interest income$7,430,0002,245
Provision for loan and lease losses$270,0004,458
Total noninterest income$661,0003,509
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$423,0002,478
Trading account gains and fees$0165
Additional Noninterest Income$238,0003,909
Total noninterest expense$4,629,0003,045
Salaries and employee benefits$2,662,0002,704
Premises and equipment expense$561,0003,178
Additional noninterest expense$1,406,0003,409
Pre-tax net operating income$3,192,0001,238
Securities gains (losses)$1,174,000359
Applicable income taxes$04,726
Income before extraordinary items$4,366,000792
Extraordinary gains, net$023
Net income$4,366,000790
Minority interest net income$0110
Net income of bank and minority interests.$4,366,000793
Net charge-offs$61,0005,366
Cash dividends$2,595,000422
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$3,192,0001,018
2010-06-30 (YTD Data)Rank
Total interest income$5,310,0002,886
Total interest expense$490,0005,532
Net interest income$4,820,0002,317
Provision for loan and lease losses$180,0004,360
Total noninterest income$433,0003,497
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$277,0002,516
Trading account gains and fees$0152
Additional Noninterest Income$156,0003,914
Total noninterest expense$3,046,0003,076
Salaries and employee benefits$1,793,0002,697
Premises and equipment expense$362,0003,274
Additional noninterest expense$891,0003,509
Pre-tax net operating income$2,027,0001,288
Securities gains (losses)$928,000280
Applicable income taxes$04,691
Income before extraordinary items$2,955,000759
Extraordinary gains, net$019
Net income$2,955,000755
Minority interest net income$0105
Net income of bank and minority interests.$2,955,000759
Net charge-offs$-94,0007,742
Cash dividends$1,915,000373
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$2,027,0001,060
2010-03-31 (YTD Data)Rank
Total interest income$2,572,0003,030
Total interest expense$249,0005,603
Net interest income$2,323,0002,429
Provision for loan and lease losses$90,0004,075
Total noninterest income$214,0003,504
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$137,0002,519
Trading account gains and fees$0175
Additional Noninterest Income$77,0003,982
Total noninterest expense$1,518,0003,113
Salaries and employee benefits$910,0002,693
Premises and equipment expense$176,0003,445
Additional noninterest expense$432,0003,608
Pre-tax net operating income$929,0001,403
Securities gains (losses)$633,000202
Applicable income taxes$04,611
Income before extraordinary items$1,562,000710
Extraordinary gains, net$016
Net income$1,562,000712
Minority interest net income$091
Net income of bank and minority interests.$1,562,000714
Net charge-offs$-101,0007,848
Cash dividends$1,225,000273
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$929,0001,151
2009-12-31 (YTD Data)Rank
Total interest income$11,223,0002,916
Total interest expense$1,022,0005,985
Net interest income$10,201,0002,149
Provision for loan and lease losses$1,660,0002,736
Total noninterest income$916,0003,512
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$613,0002,501
Trading account gains and fees$0211
Additional Noninterest Income$303,0003,967
Total noninterest expense$6,508,0002,980
Salaries and employee benefits$3,621,0002,696
Premises and equipment expense$692,0003,490
Additional noninterest expense$2,195,0003,081
Pre-tax net operating income$2,949,0001,354
Securities gains (losses)$2,687,000212
Applicable income taxes$04,388
Income before extraordinary items$5,636,000596
Extraordinary gains, net$034
Net income$5,636,000596
Minority interest net income$0115
Net income of bank and minority interests.$5,636,000597
Net charge-offs$1,524,0002,355
Cash dividends$3,850,000459
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$2,949,0001,133
2009-09-30 (YTD Data)Rank
Total interest income$8,406,0002,971
Total interest expense$752,0006,162
Net interest income$7,654,0002,145
Provision for loan and lease losses$270,0004,739
Total noninterest income$696,0003,546
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$466,0002,498
Trading account gains and fees$0212
Additional Noninterest Income$230,0004,050
Total noninterest expense$4,699,0003,082
Salaries and employee benefits$2,647,0002,780
Premises and equipment expense$493,0003,653
Additional noninterest expense$1,559,0003,186
Pre-tax net operating income$3,381,000981
Securities gains (losses)$357,000877
Applicable income taxes$04,592
Income before extraordinary items$3,738,000723
Extraordinary gains, net$027
Net income$3,738,000723
Minority interest net income$0118
Net income of bank and minority interests.$3,738,000724
Net charge-offs$29,0006,056
Cash dividends$2,983,000422
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$3,381,000796
2009-06-30 (YTD Data)Rank
Total interest income$5,599,0002,999
Total interest expense$499,0006,276
Net interest income$5,100,0002,143
Provision for loan and lease losses$180,0004,468
Total noninterest income$460,0003,585
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$301,0002,533
Trading account gains and fees$0193
Additional Noninterest Income$159,0003,999
Total noninterest expense$3,090,0003,147
Salaries and employee benefits$1,777,0002,808
Premises and equipment expense$322,0003,731
Additional noninterest expense$991,0003,313
Pre-tax net operating income$2,290,000997
Securities gains (losses)$346,000674
Applicable income taxes$04,657
Income before extraordinary items$2,636,000687
Extraordinary gains, net$021
Net income$2,636,000685
Minority interest net income$0112
Net income of bank and minority interests.$2,636,000688
Net charge-offs$26,0005,436
Cash dividends$2,078,000428
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$2,290,000787
2009-03-31 (YTD Data)Rank
Total interest income$2,781,0003,055
Total interest expense$254,0006,348
Net interest income$2,527,0002,162
Provision for loan and lease losses$90,0004,033
Total noninterest income$233,0003,517
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$150,0002,472
Trading account gains and fees$0171
Additional Noninterest Income$83,0003,952
Total noninterest expense$1,532,0003,085
Salaries and employee benefits$897,0002,817
Premises and equipment expense$157,0003,852
Additional noninterest expense$478,0003,120
Pre-tax net operating income$1,138,0001,118
Securities gains (losses)$335,000465
Applicable income taxes$04,835
Income before extraordinary items$1,473,000701
Extraordinary gains, net$015
Net income$1,473,000700
Minority interest net income$0102
Net income of bank and minority interests.$1,473,000703
Net charge-offs$-31,0008,068
Cash dividends$1,218,000364
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,138,000878
2008-12-31 (YTD Data)Rank
Total interest income$13,202,0002,790
Total interest expense$2,380,0004,867
Net interest income$10,822,0002,049
Provision for loan and lease losses$360,0004,303
Total noninterest income$1,006,0003,388
Gross Fiduciary activities income$21,0001,104
Service charges on deposit accounts$624,0002,574
Trading account gains and fees$0154
Additional Noninterest Income$361,0003,765
Total noninterest expense$5,720,0003,215
Salaries and employee benefits$3,427,0002,883
Premises and equipment expense$647,0003,702
Additional noninterest expense$1,646,0003,382
Pre-tax net operating income$5,748,000972
Securities gains (losses)$33,0001,871
Applicable income taxes$04,979
Income before extraordinary items$5,781,000699
Extraordinary gains, net$039
Net income$5,781,000699
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$97,0005,006
Cash dividends$5,228,000540
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$5,748,000755
2008-09-30 (YTD Data)Rank
Total interest income$9,229,0003,034
Total interest expense$2,012,0004,689
Net interest income$7,217,0002,307
Provision for loan and lease losses$270,0003,724
Total noninterest income$769,0003,429
Gross Fiduciary activities income$21,0001,049
Service charges on deposit accounts$473,0002,565
Trading account gains and fees$0148
Additional Noninterest Income$275,0003,832
Total noninterest expense$4,215,0003,246
Salaries and employee benefits$2,503,0002,975
Premises and equipment expense$464,0003,856
Additional noninterest expense$1,248,0003,272
Pre-tax net operating income$3,501,0001,407
Securities gains (losses)$14,0002,218
Applicable income taxes$05,372
Income before extraordinary items$3,515,0001,052
Extraordinary gains, net$031
Net income$3,515,0001,050
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0006,427
Cash dividends$4,318,000514
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$3,501,0001,115
2008-06-30 (YTD Data)Rank
Total interest income$6,362,0002,975
Total interest expense$1,524,0004,469
Net interest income$4,838,0002,282
Provision for loan and lease losses$180,0003,306
Total noninterest income$504,0003,483
Gross Fiduciary activities income$14,0001,072
Service charges on deposit accounts$306,0002,606
Trading account gains and fees$0149
Additional Noninterest Income$184,0003,922
Total noninterest expense$2,864,0003,201
Salaries and employee benefits$1,676,0002,994
Premises and equipment expense$309,0003,879
Additional noninterest expense$879,0003,078
Pre-tax net operating income$2,298,0001,493
Securities gains (losses)$14,0002,273
Applicable income taxes$05,627
Income before extraordinary items$2,312,0001,194
Extraordinary gains, net$021
Net income$2,312,0001,195
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0005,516
Cash dividends$3,424,000491
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$2,298,0001,182
2008-03-31 (YTD Data)Rank
Total interest income$3,465,0002,811
Total interest expense$939,0004,066
Net interest income$2,526,0002,190
Provision for loan and lease losses$90,0002,858
Total noninterest income$246,0003,549
Gross Fiduciary activities income$2,0001,203
Service charges on deposit accounts$153,0002,573
Trading account gains and fees$0158
Additional Noninterest Income$91,0003,952
Total noninterest expense$1,438,0003,191
Salaries and employee benefits$836,0003,042
Premises and equipment expense$153,0003,924
Additional noninterest expense$449,0002,980
Pre-tax net operating income$1,244,0001,488
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$1,244,0001,212
Extraordinary gains, net$015
Net income$1,244,0001,215
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0004,346
Cash dividends$2,564,000340
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$1,244,0001,171
2007-12-31 (YTD Data)Rank
Total interest income$15,957,0002,549
Total interest expense$4,866,0003,531
Net interest income$11,091,0002,045
Provision for loan and lease losses$360,0002,860
Total noninterest income$1,012,0003,514
Gross Fiduciary activities income$52,0001,006
Service charges on deposit accounts$702,0002,365
Trading account gains and fees$0178
Additional Noninterest Income$258,0004,517
Total noninterest expense$5,620,0003,137
Salaries and employee benefits$3,271,0003,011
Premises and equipment expense$746,0003,270
Additional noninterest expense$1,603,0003,240
Pre-tax net operating income$6,123,0001,371
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$6,123,0001,064
Extraordinary gains, net$039
Net income$6,123,0001,062
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-160,0008,427
Cash dividends$3,222,0001,120
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$6,123,0001,045
2007-09-30 (YTD Data)Rank
Total interest income$11,810,0002,570
Total interest expense$3,655,0003,535
Net interest income$8,155,0002,091
Provision for loan and lease losses$270,0002,452
Total noninterest income$756,0003,517
Gross Fiduciary activities income$39,0001,001
Service charges on deposit accounts$526,0002,347
Trading account gains and fees$0184
Additional Noninterest Income$191,0004,572
Total noninterest expense$4,048,0003,217
Salaries and employee benefits$2,389,0003,045
Premises and equipment expense$504,0003,530
Additional noninterest expense$1,155,0003,295
Pre-tax net operating income$4,593,0001,475
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$4,593,0001,139
Extraordinary gains, net$033
Net income$4,593,0001,136
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-78,0008,335
Cash dividends$2,265,0001,108
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$4,593,0001,118
2007-06-30 (YTD Data)Rank
Total interest income$7,703,0002,637
Total interest expense$2,364,0003,603
Net interest income$5,339,0002,162
Provision for loan and lease losses$180,0002,301
Total noninterest income$495,0003,586
Gross Fiduciary activities income$26,0001,011
Service charges on deposit accounts$346,0002,374
Trading account gains and fees$0168
Additional Noninterest Income$123,0004,702
Total noninterest expense$2,688,0003,255
Salaries and employee benefits$1,591,0003,087
Premises and equipment expense$331,0003,589
Additional noninterest expense$766,0003,312
Pre-tax net operating income$2,966,0001,560
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$2,966,0001,208
Extraordinary gains, net$029
Net income$2,966,0001,207
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-77,0008,385
Cash dividends$1,397,0001,188
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$2,966,0001,189
2007-03-31 (YTD Data)Rank
Total interest income$3,879,0002,617
Total interest expense$1,180,0003,574
Net interest income$2,699,0002,144
Provision for loan and lease losses$90,0002,153
Total noninterest income$244,0003,589
Gross Fiduciary activities income$14,0001,006
Service charges on deposit accounts$169,0002,368
Trading account gains and fees$0195
Additional Noninterest Income$61,0004,714
Total noninterest expense$1,355,0003,232
Salaries and employee benefits$804,0003,070
Premises and equipment expense$162,0003,666
Additional noninterest expense$389,0003,246
Pre-tax net operating income$1,498,0001,546
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$1,498,0001,183
Extraordinary gains, net$022
Net income$1,498,0001,182
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0002,389
Cash dividends$860,000924
Sale, conversion, retirement of capital stock, net$0885
Net operating income$1,498,0001,161
2006-12-31 (YTD Data)Rank
Total interest income$12,910,0002,907
Total interest expense$3,391,0004,003
Net interest income$9,519,0002,390
Provision for loan and lease losses$300,0002,748
Total noninterest income$953,0003,664
Gross Fiduciary activities income$49,0001,030
Service charges on deposit accounts$775,0002,173
Trading account gains and fees$0130
Additional Noninterest Income$129,0005,899
Total noninterest expense$5,119,0003,284
Salaries and employee benefits$3,114,0003,026
Premises and equipment expense$624,0003,654
Additional noninterest expense$1,381,0003,519
Pre-tax net operating income$5,053,0001,858
Securities gains (losses)$-180,0008,361
Applicable income taxes$06,600
Income before extraordinary items$4,873,0001,490
Extraordinary gains, net$051
Net income$4,873,0001,491
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$57,0003,898
Cash dividends$3,170,0001,066
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$5,053,0001,424
2006-09-30 (YTD Data)Rank
Total interest income$9,507,0002,932
Total interest expense$2,265,0004,214
Net interest income$7,242,0002,390
Provision for loan and lease losses$225,0002,598
Total noninterest income$703,0003,704
Gross Fiduciary activities income$37,0001,025
Service charges on deposit accounts$574,0002,205
Trading account gains and fees$0126
Additional Noninterest Income$92,0005,992
Total noninterest expense$3,816,0003,295
Salaries and employee benefits$2,299,0003,056
Premises and equipment expense$476,0003,614
Additional noninterest expense$1,041,0003,502
Pre-tax net operating income$3,904,0001,884
Securities gains (losses)$-179,0008,522
Applicable income taxes$06,687
Income before extraordinary items$3,725,0001,503
Extraordinary gains, net$045
Net income$3,725,0001,504
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0004,367
Cash dividends$2,707,000899
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$3,904,0001,420
2006-06-30 (YTD Data)Rank
Total interest income$5,938,0003,049
Total interest expense$1,344,0004,387
Net interest income$4,594,0002,490
Provision for loan and lease losses$150,0002,563
Total noninterest income$468,0003,676
Gross Fiduciary activities income$25,0001,037
Service charges on deposit accounts$377,0002,207
Trading account gains and fees$0126
Additional Noninterest Income$66,0005,904
Total noninterest expense$2,533,0003,317
Salaries and employee benefits$1,524,0003,078
Premises and equipment expense$312,0003,653
Additional noninterest expense$697,0003,493
Pre-tax net operating income$2,379,0002,038
Securities gains (losses)$01,185
Applicable income taxes$06,706
Income before extraordinary items$2,379,0001,549
Extraordinary gains, net$039
Net income$2,379,0001,550
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0003,763
Cash dividends$1,833,000888
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,379,0001,533
2006-03-31 (YTD Data)Rank
Total interest income$2,900,0003,058
Total interest expense$639,0004,422
Net interest income$2,261,0002,512
Provision for loan and lease losses$75,0002,394
Total noninterest income$238,0003,590
Gross Fiduciary activities income$13,0001,040
Service charges on deposit accounts$191,0002,123
Trading account gains and fees$0115
Additional Noninterest Income$34,0005,852
Total noninterest expense$1,255,0003,352
Salaries and employee benefits$762,0003,097
Premises and equipment expense$159,0003,609
Additional noninterest expense$334,0003,578
Pre-tax net operating income$1,169,0002,018
Securities gains (losses)$0955
Applicable income taxes$06,588
Income before extraordinary items$1,169,0001,553
Extraordinary gains, net$021
Net income$1,169,0001,552
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,0007,562
Cash dividends$1,138,000674
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,169,0001,534
2005-12-31 (YTD Data)Rank
Total interest income$9,394,0003,312
Total interest expense$1,674,0004,959
Net interest income$7,720,0002,794
Provision for loan and lease losses$240,0003,239
Total noninterest income$999,0003,570
Gross Fiduciary activities income$49,0001,047
Service charges on deposit accounts$784,0002,146
Trading account gains and fees$0138
Additional Noninterest Income$166,0005,547
Total noninterest expense$4,737,0003,387
Salaries and employee benefits$2,906,0003,055
Premises and equipment expense$632,0003,500
Additional noninterest expense$1,199,0003,873
Pre-tax net operating income$3,742,0002,328
Securities gains (losses)$-75,0008,334
Applicable income taxes$06,964
Income before extraordinary items$3,667,0001,874
Extraordinary gains, net$046
Net income$3,667,0001,873
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0004,682
Cash dividends$2,200,0001,359
Sale, conversion, retirement of capital stock, net$0934
Net operating income$3,742,0001,816
2005-09-30 (YTD Data)Rank
Total interest income$6,708,0003,382
Total interest expense$1,116,0005,140
Net interest income$5,592,0002,857
Provision for loan and lease losses$180,0003,127
Total noninterest income$771,0003,493
Gross Fiduciary activities income$37,0001,038
Service charges on deposit accounts$593,0002,120
Trading account gains and fees$0126
Additional Noninterest Income$141,0005,297
Total noninterest expense$3,528,0003,373
Salaries and employee benefits$2,166,0003,034
Premises and equipment expense$485,0003,426
Additional noninterest expense$877,0003,894
Pre-tax net operating income$2,655,0002,459
Securities gains (losses)$-32,0008,352
Applicable income taxes$06,976
Income before extraordinary items$2,623,0001,984
Extraordinary gains, net$035
Net income$2,623,0001,983
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0003,633
Cash dividends$1,588,0001,271
Sale, conversion, retirement of capital stock, net$0769
Net operating income$2,655,0001,935
2005-06-30 (YTD Data)Rank
Total interest income$4,225,0003,473
Total interest expense$633,0005,423
Net interest income$3,592,0002,930
Provision for loan and lease losses$120,0003,004
Total noninterest income$500,0003,516
Gross Fiduciary activities income$24,0001,042
Service charges on deposit accounts$387,0002,125
Trading account gains and fees$0116
Additional Noninterest Income$89,0005,401
Total noninterest expense$2,338,0003,371
Salaries and employee benefits$1,439,0003,036
Premises and equipment expense$313,0003,501
Additional noninterest expense$586,0003,880
Pre-tax net operating income$1,634,0002,574
Securities gains (losses)$-26,0008,439
Applicable income taxes$06,961
Income before extraordinary items$1,608,0002,110
Extraordinary gains, net$030
Net income$1,608,0002,109
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0003,735
Cash dividends$1,238,0001,094
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,634,0002,033
2005-03-31 (YTD Data)Rank
Total interest income$2,012,0003,572
Total interest expense$296,0005,516
Net interest income$1,716,0003,035
Provision for loan and lease losses$60,0002,830
Total noninterest income$252,0003,438
Gross Fiduciary activities income$11,0001,058
Service charges on deposit accounts$188,0002,124
Trading account gains and fees$0115
Additional Noninterest Income$53,0005,055
Total noninterest expense$1,164,0003,396
Salaries and employee benefits$720,0003,054
Premises and equipment expense$156,0003,539
Additional noninterest expense$288,0003,930
Pre-tax net operating income$744,0002,725
Securities gains (losses)$-9,0008,513
Applicable income taxes$06,892
Income before extraordinary items$735,0002,239
Extraordinary gains, net$024
Net income$735,0002,240
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0004,435
Cash dividends$750,000848
Sale, conversion, retirement of capital stock, net$0491
Net operating income$744,0002,174
2004-12-31 (YTD Data)Rank
Total interest income$7,182,0003,728
Total interest expense$968,0005,765
Net interest income$6,214,0003,202
Provision for loan and lease losses$180,0003,881
Total noninterest income$1,078,0003,365
Gross Fiduciary activities income$58,0001,036
Service charges on deposit accounts$837,0002,053
Trading account gains and fees$0138
Additional Noninterest Income$183,0005,292
Total noninterest expense$4,737,0003,283
Salaries and employee benefits$2,836,0002,987
Premises and equipment expense$669,0003,243
Additional noninterest expense$1,232,0003,659
Pre-tax net operating income$2,375,0003,126
Securities gains (losses)$135,0001,042
Applicable income taxes$07,185
Income before extraordinary items$2,510,0002,424
Extraordinary gains, net$034
Net income$2,510,0002,426
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$151,0003,021
Cash dividends$2,437,0001,159
Sale, conversion, retirement of capital stock, net$0872
Net operating income$2,375,0002,480
2004-09-30 (YTD Data)Rank
Total interest income$5,221,0003,794
Total interest expense$714,0005,771
Net interest income$4,507,0003,277
Provision for loan and lease losses$135,0003,719
Total noninterest income$807,0003,385
Gross Fiduciary activities income$44,0001,034
Service charges on deposit accounts$616,0002,113
Trading account gains and fees$0134
Additional Noninterest Income$147,0005,169
Total noninterest expense$3,582,0003,234
Salaries and employee benefits$2,154,0002,931
Premises and equipment expense$480,0003,367
Additional noninterest expense$948,0003,574
Pre-tax net operating income$1,597,0003,436
Securities gains (losses)$136,000989
Applicable income taxes$07,220
Income before extraordinary items$1,733,0002,630
Extraordinary gains, net$026
Net income$1,733,0002,632
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-19,0008,375
Cash dividends$2,088,000940
Sale, conversion, retirement of capital stock, net$0738
Net operating income$1,597,0002,730
2004-06-30 (YTD Data)Rank
Total interest income$3,433,0003,839
Total interest expense$468,0005,841
Net interest income$2,965,0003,299
Provision for loan and lease losses$90,0003,641
Total noninterest income$544,0003,383
Gross Fiduciary activities income$31,0001,038
Service charges on deposit accounts$407,0002,115
Trading account gains and fees$0130
Additional Noninterest Income$106,0005,055
Total noninterest expense$2,402,0003,212
Salaries and employee benefits$1,451,0002,921
Premises and equipment expense$315,0003,411
Additional noninterest expense$636,0003,564
Pre-tax net operating income$1,017,0003,491
Securities gains (losses)$111,000965
Applicable income taxes$07,214
Income before extraordinary items$1,128,0002,659
Extraordinary gains, net$021
Net income$1,128,0002,660
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0005,407
Cash dividends$1,550,000860
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,017,0002,813
2004-03-31 (YTD Data)Rank
Total interest income$1,724,0003,836
Total interest expense$236,0005,862
Net interest income$1,488,0003,290
Provision for loan and lease losses$45,0003,437
Total noninterest income$271,0003,328
Gross Fiduciary activities income$14,0001,054
Service charges on deposit accounts$194,0002,132
Trading account gains and fees$0121
Additional Noninterest Income$63,0004,647
Total noninterest expense$1,214,0003,195
Salaries and employee benefits$724,0002,926
Premises and equipment expense$154,0003,516
Additional noninterest expense$336,0003,408
Pre-tax net operating income$500,0003,526
Securities gains (losses)$87,000881
Applicable income taxes$07,103
Income before extraordinary items$587,0002,556
Extraordinary gains, net$016
Net income$587,0002,557
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-17,0008,486
Cash dividends$1,200,000567
Sale, conversion, retirement of capital stock, net$0464
Net operating income$500,0002,845
2003-12-31 (YTD Data)Rank
Total interest income$7,200,0003,729
Total interest expense$1,073,0005,918
Net interest income$6,127,0003,127
Provision for loan and lease losses$1,490,000834
Total noninterest income$1,042,0003,633
Gross Fiduciary activities income$46,0001,085
Service charges on deposit accounts$792,0002,140
Trading account gains and fees$0160
Additional Noninterest Income$204,0005,241
Total noninterest expense$4,765,0003,172
Salaries and employee benefits$2,765,0002,982
Premises and equipment expense$736,0002,957
Additional noninterest expense$1,264,0003,581
Pre-tax net operating income$914,0005,385
Securities gains (losses)$1,127,000436
Applicable income taxes$07,459
Income before extraordinary items$2,041,0002,820
Extraordinary gains, net$054
Net income$2,041,0002,821
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,598,000653
Cash dividends$2,513,0001,147
Sale, conversion, retirement of capital stock, net$0868
Net operating income$914,0004,737
2003-09-30 (YTD Data)Rank
Total interest income$5,445,0003,748
Total interest expense$825,0005,980
Net interest income$4,620,0003,116
Provision for loan and lease losses$180,0003,498
Total noninterest income$785,0003,688
Gross Fiduciary activities income$32,0001,095
Service charges on deposit accounts$599,0002,147
Trading account gains and fees$0153
Additional Noninterest Income$154,0005,292
Total noninterest expense$3,568,0003,176
Salaries and employee benefits$2,150,0002,887
Premises and equipment expense$498,0003,230
Additional noninterest expense$920,0003,647
Pre-tax net operating income$1,657,0003,278
Securities gains (losses)$1,112,000413
Applicable income taxes$07,524
Income before extraordinary items$2,769,0001,734
Extraordinary gains, net$040
Net income$2,769,0001,735
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$115,0003,026
Cash dividends$2,025,000993
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,657,0002,596
2003-06-30 (YTD Data)Rank
Total interest income$3,692,0003,727
Total interest expense$574,0005,970
Net interest income$3,118,0003,076
Provision for loan and lease losses$120,0003,448
Total noninterest income$530,0003,621
Gross Fiduciary activities income$21,0001,106
Service charges on deposit accounts$397,0002,111
Trading account gains and fees$0150
Additional Noninterest Income$112,0005,124
Total noninterest expense$2,400,0003,159
Salaries and employee benefits$1,444,0002,874
Premises and equipment expense$316,0003,337
Additional noninterest expense$640,0003,508
Pre-tax net operating income$1,128,0003,224
Securities gains (losses)$918,000388
Applicable income taxes$07,529
Income before extraordinary items$2,046,0001,584
Extraordinary gains, net$030
Net income$2,046,0001,583
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$112,0002,341
Cash dividends$1,238,0001,098
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,128,0002,559
2003-03-31 (YTD Data)Rank
Total interest income$1,851,0003,737
Total interest expense$298,0005,952
Net interest income$1,553,0003,077
Provision for loan and lease losses$60,0003,248
Total noninterest income$273,0003,466
Gross Fiduciary activities income$12,0001,101
Service charges on deposit accounts$190,0002,105
Trading account gains and fees$0134
Additional Noninterest Income$71,0004,573
Total noninterest expense$1,206,0003,129
Salaries and employee benefits$730,0002,848
Premises and equipment expense$150,0003,487
Additional noninterest expense$326,0003,392
Pre-tax net operating income$560,0003,240
Securities gains (losses)$767,000265
Applicable income taxes$07,403
Income before extraordinary items$1,327,0001,246
Extraordinary gains, net$021
Net income$1,327,0001,245
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0004,051
Cash dividends$738,000886
Sale, conversion, retirement of capital stock, net$0419
Net operating income$560,0002,558
2002-12-31 (YTD Data)Rank
Total interest income$8,076,0003,615
Total interest expense$1,575,0005,571
Net interest income$6,501,0002,928
Provision for loan and lease losses$180,0004,547
Total noninterest income$1,079,0003,309
Gross Fiduciary activities income$54,0001,098
Service charges on deposit accounts$703,0002,239
Trading account gains and fees$0153
Additional Noninterest Income$322,0004,102
Total noninterest expense$4,915,0002,971
Salaries and employee benefits$2,998,0002,631
Premises and equipment expense$628,0003,274
Additional noninterest expense$1,289,0003,408
Pre-tax net operating income$2,485,0002,895
Securities gains (losses)$692,000531
Applicable income taxes$07,681
Income before extraordinary items$3,177,0001,890
Extraordinary gains, net$070
Net income$3,177,0001,888
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$357,0002,102
Cash dividends$2,575,0001,061
Sale, conversion, retirement of capital stock, net$0862
Net operating income$2,485,0002,286
2001-12-31 (YTD Data)Rank
Total interest income$9,376,0003,506
Total interest expense$3,018,0004,708
Net interest income$6,358,0002,796
Provision for loan and lease losses$08,228
Total noninterest income$1,115,0003,091
Gross Fiduciary activities income$60,0001,098
Service charges on deposit accounts$611,0002,400
Trading account gains and fees$0177
Additional Noninterest Income$444,0003,336
Total noninterest expense$4,628,0003,016
Salaries and employee benefits$2,788,0002,678
Premises and equipment expense$703,0002,936
Additional noninterest expense$1,137,0003,672
Pre-tax net operating income$2,845,0002,389
Securities gains (losses)$165,0001,341
Applicable income taxes$07,903
Income before extraordinary items$3,010,0001,748
Extraordinary gains, net$0105
Net income$3,010,0001,748
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$113,0003,857
Cash dividends$3,100,000892
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,845,0001,779
2000-12-31 (YTD Data)Rank
Total interest income$10,577,0003,247
Total interest expense$3,899,0004,051
Net interest income$6,678,0002,661
Provision for loan and lease losses$08,337
Total noninterest income$1,010,0003,101
Gross Fiduciary activities income$53,0001,040
Service charges on deposit accounts$535,0002,528
Trading account gains and fees$0180
Additional Noninterest Income$422,0003,225
Total noninterest expense$4,395,0003,063
Salaries and employee benefits$2,620,0002,716
Premises and equipment expense$615,0003,195
Additional noninterest expense$1,160,0003,541
Pre-tax net operating income$3,293,0002,191
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$3,293,0001,603
Extraordinary gains, net$038
Net income$3,293,0001,603
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-29,0009,498
Cash dividends$2,257,0001,222
Sale, conversion, retirement of capital stock, net$0969
Net operating income$3,293,0001,592
1999-12-31 (YTD Data)Rank
Total interest income$4,188,0006,204
Total interest expense$1,935,0006,111
Net interest income$2,253,0006,174
Provision for loan and lease losses$83,0005,609
Total noninterest income$299,0006,443
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$209,0005,013
Trading account gains and feesNANA
Additional Noninterest Income$90,0006,873
Total noninterest expense$1,458,0006,886
Salaries and employee benefits$780,0006,840
Premises and equipment expense$213,0006,603
Additional noninterest expense$465,0006,781
Pre-tax net operating income$1,011,0005,281
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$1,011,0004,401
Extraordinary gains, net$035
Net income$1,011,0004,402
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$54,0004,686
Cash dividends$907,0002,438
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,011,0004,370
1998-12-31 (YTD Data)Rank
Total interest income$4,431,0006,112
Total interest expense$2,074,0006,066
Net interest income$2,357,0006,053
Provision for loan and lease losses$08,652
Total noninterest income$311,0006,363
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$216,0004,927
Trading account gains and feesNANA
Additional Noninterest Income$95,0006,752
Total noninterest expense$1,603,0006,424
Salaries and employee benefits$832,0006,548
Premises and equipment expense$231,0006,246
Additional noninterest expense$540,0006,166
Pre-tax net operating income$1,065,0005,225
Securities gains (losses)$27,0002,200
Applicable income taxes$-261,00010,344
Income before extraordinary items$1,353,0003,549
Extraordinary gains, net$032
Net income$1,353,0003,549
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0005,498
Cash dividends$1,179,0001,982
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,326,0003,522
1997-12-31 (YTD Data)Rank
Total interest income$4,145,0006,526
Total interest expense$1,877,0006,512
Net interest income$2,268,0006,414
Provision for loan and lease losses$08,829
Total noninterest income$323,0006,418
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$240,0004,791
Trading account gains and feesNANA
Additional Noninterest Income$83,0007,280
Total noninterest expense$1,612,0006,506
Salaries and employee benefits$838,0006,597
Premises and equipment expense$232,0006,317
Additional noninterest expense$542,0006,178
Pre-tax net operating income$979,0005,896
Securities gains (losses)$03,944
Applicable income taxes$281,0005,907
Income before extraordinary items$698,0005,914
Extraordinary gains, net$044
Net income$698,0005,916
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-29,00010,349
Cash dividends$376,0004,093
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$698,0005,870
1996-12-31 (YTD Data)Rank
Total interest income$4,064,0006,802
Total interest expense$1,806,0006,830
Net interest income$2,258,0006,644
Provision for loan and lease losses$-100,00011,258
Total noninterest income$344,0006,488
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$261,0004,668
Trading account gains and feesNANA
Additional Noninterest Income$83,0007,649
Total noninterest expense$1,628,0006,767
Salaries and employee benefits$831,0006,827
Premises and equipment expense$233,0006,494
Additional noninterest expense$564,0006,586
Pre-tax net operating income$1,074,0005,499
Securities gains (losses)$04,148
Applicable income taxes$263,0006,270
Income before extraordinary items$811,0005,254
Extraordinary gains, net$053
Net income$811,0005,255
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-216,00011,342
Cash dividends$330,0004,303
Sale, conversion, retirement of capital stock, net$0953
Net operating income$811,0005,188
1995-12-31 (YTD Data)Rank
Total interest income$4,241,0006,758
Total interest expense$1,903,0006,680
Net interest income$2,338,0006,602
Provision for loan and lease losses$08,958
Total noninterest income$341,0006,586
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$269,0004,688
Trading account gains and feesNANA
Additional Noninterest Income$72,0008,274
Total noninterest expense$1,558,0007,097
Salaries and employee benefits$794,0007,129
Premises and equipment expense$226,0006,736
Additional noninterest expense$538,0006,964
Pre-tax net operating income$1,121,0005,519
Securities gains (losses)$03,831
Applicable income taxes$320,0005,779
Income before extraordinary items$801,0005,443
Extraordinary gains, net$065
Net income$801,0005,441
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0006,779
Cash dividends$1,504,0001,497
Sale, conversion, retirement of capital stock, net$0809
Net operating income$801,0005,416
1994-12-31 (YTD Data)Rank
Total interest income$3,738,0007,015
Total interest expense$1,531,0006,803
Net interest income$2,207,0007,076
Provision for loan and lease losses$09,146
Total noninterest income$386,0006,272
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$265,0004,825
Trading account gains and feesNANA
Additional Noninterest Income$121,0006,901
Total noninterest expense$1,635,0007,184
Salaries and employee benefits$788,0007,270
Premises and equipment expense$230,0006,858
Additional noninterest expense$617,0006,914
Pre-tax net operating income$958,0006,128
Securities gains (losses)$119,000709
Applicable income taxes$249,0006,553
Income before extraordinary items$828,0005,226
Extraordinary gains, net$0249
Net income$828,0005,234
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$94,0003,857
Cash dividends$1,000,0001,879
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$736,3705,764
1993-12-31 (YTD Data)Rank
Total interest income$3,591,0007,406
Total interest expense$1,388,0007,587
Net interest income$2,203,0007,180
Provision for loan and lease losses$87,0006,144
Total noninterest income$363,0006,869
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$284,0004,638
Trading account gains and feesNANA
Additional Noninterest Income$79,0008,670
Total noninterest expense$1,550,0007,649
Salaries and employee benefits$763,0007,553
Premises and equipment expense$246,0006,763
Additional noninterest expense$541,0007,851
Pre-tax net operating income$929,0006,213
Securities gains (losses)$89,0002,664
Applicable income taxes$244,0006,893
Income before extraordinary items$774,0005,708
Extraordinary gains, net$-244,00013,079
Net income$530,0007,480
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0005,571
Cash dividends$455,0003,336
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$706,3605,802
1992-12-31 (YTD Data)Rank
Total interest income$3,980,0007,536
Total interest expense$1,720,0007,842
Net interest income$2,260,0007,091
Provision for loan and lease losses$247,0004,624
Total noninterest income$343,0007,193
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$250,0005,136
Trading account gains and feesNANA
Additional Noninterest Income$93,0008,327
Total noninterest expense$1,627,0007,481
Salaries and employee benefits$750,0007,603
Premises and equipment expense$263,0006,563
Additional noninterest expense$614,0007,383
Pre-tax net operating income$729,0006,944
Securities gains (losses)$240,0001,774
Applicable income taxes$238,0006,864
Income before extraordinary items$731,0005,735
Extraordinary gains, net$01,422
Net income$731,0005,803
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$221,0003,986
Cash dividends$594,0002,454
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$551,0006,554

* 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.