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Charter Bank, Income and Expense

2019-09-30 (YTD Data)Rank
Total interest income$5,311,0003,209
Total interest expense$1,366,0002,502
Net interest income$3,945,0003,368
Provision for loan and lease losses$912,000730
Total noninterest income$-1,177,0005,247
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$143,0003,253
Trading account gains and fees$0129
Additional Noninterest Income$-1,320,0005,253
Total noninterest expense$6,010,0002,252
Salaries and employee benefits$2,121,0003,052
Premises and equipment expense$599,0002,365
Additional noninterest expense$3,290,0001,407
Pre-tax net operating income$-4,154,0005,253
Securities gains (losses)$12,0001,604
Applicable income taxes$-932,0005,249
Income before extraordinary items$-3,210,0005,240
Extraordinary gains, net$011
Net income$-3,210,0005,240
Minority interest net income$072
Net income of bank and minority interests.$-3,210,0005,240
Net charge-offs$1,985,000315
Cash dividends$03,588
Sale, conversion, retirement of capital stock, net$0590
Net operating income$-3,219,4805,238
2019-06-30 (YTD Data)Rank
Total interest income$3,527,0003,224
Total interest expense$866,0002,552
Net interest income$2,661,0003,373
Provision for loan and lease losses$5,0003,598
Total noninterest income$202,0003,931
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$91,0003,316
Trading account gains and fees$0131
Additional Noninterest Income$111,0003,900
Total noninterest expense$2,568,0002,999
Salaries and employee benefits$1,353,0003,139
Premises and equipment expense$383,0002,427
Additional noninterest expense$832,0002,927
Pre-tax net operating income$290,0004,464
Securities gains (losses)$12,0001,180
Applicable income taxes$95,0002,711
Income before extraordinary items$207,0004,619
Extraordinary gains, net$011
Net income$207,0004,617
Minority interest net income$069
Net income of bank and minority interests.$207,0004,617
Net charge-offs$72,0001,594
Cash dividends$03,456
Sale, conversion, retirement of capital stock, net$0573
Net operating income$197,5204,628
2019-03-31 (YTD Data)Rank
Total interest income$1,709,0003,295
Total interest expense$412,0002,596
Net interest income$1,297,0003,445
Provision for loan and lease losses$03,406
Total noninterest income$101,0003,924
Gross Fiduciary activities income$0972
Service charges on deposit accounts$45,0003,322
Trading account gains and fees$0126
Additional Noninterest Income$56,0003,892
Total noninterest expense$1,263,0003,049
Salaries and employee benefits$690,0003,136
Premises and equipment expense$189,0002,466
Additional noninterest expense$384,0003,099
Pre-tax net operating income$135,0004,508
Securities gains (losses)$01,087
Applicable income taxes$34,0002,890
Income before extraordinary items$101,0004,626
Extraordinary gains, net$05
Net income$101,0004,625
Minority interest net income$052
Net income of bank and minority interests.$101,0004,625
Net charge-offs$38,0001,361
Cash dividends$02,803
Sale, conversion, retirement of capital stock, net$0529
Net operating income$101,0004,616
2018-12-31 (YTD Data)Rank
Total interest income$6,841,0003,201
Total interest expense$1,534,0002,303
Net interest income$5,307,0003,386
Provision for loan and lease losses$226,0002,258
Total noninterest income$414,0004,009
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$159,0003,610
Trading account gains and fees$0126
Additional Noninterest Income$255,0003,850
Total noninterest expense$5,050,0003,034
Salaries and employee benefits$2,824,0003,063
Premises and equipment expense$763,0002,437
Additional noninterest expense$1,463,0003,218
Pre-tax net operating income$445,0004,698
Securities gains (losses)$01,125
Applicable income taxes$136,0002,922
Income before extraordinary items$309,0004,832
Extraordinary gains, net$06
Net income$309,0004,831
Minority interest net income$072
Net income of bank and minority interests.$309,0004,831
Net charge-offs$404,0001,100
Cash dividends$04,033
Sale, conversion, retirement of capital stock, net$0671
Net operating income$309,0004,837
2018-09-30 (YTD Data)Rank
Total interest income$5,045,0003,243
Total interest expense$1,118,0002,272
Net interest income$3,927,0003,437
Provision for loan and lease losses$5,0003,869
Total noninterest income$298,0004,090
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$117,0003,657
Trading account gains and fees$0138
Additional Noninterest Income$181,0003,938
Total noninterest expense$3,791,0003,039
Salaries and employee benefits$2,115,0003,064
Premises and equipment expense$554,0002,505
Additional noninterest expense$1,122,0003,185
Pre-tax net operating income$429,0004,648
Securities gains (losses)$01,118
Applicable income taxes$107,0002,963
Income before extraordinary items$322,0004,737
Extraordinary gains, net$05
Net income$322,0004,735
Minority interest net income$066
Net income of bank and minority interests.$322,0004,736
Net charge-offs$228,0001,151
Cash dividends$03,618
Sale, conversion, retirement of capital stock, net$0633
Net operating income$322,0004,746
2018-06-30 (YTD Data)Rank
Total interest income$3,235,0003,312
Total interest expense$692,0002,308
Net interest income$2,543,0003,504
Provision for loan and lease losses$03,782
Total noninterest income$195,0004,128
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$75,0003,713
Trading account gains and fees$0130
Additional Noninterest Income$120,0003,974
Total noninterest expense$2,462,0003,109
Salaries and employee benefits$1,355,0003,149
Premises and equipment expense$363,0002,536
Additional noninterest expense$744,0003,200
Pre-tax net operating income$276,0004,681
Securities gains (losses)$0961
Applicable income taxes$57,0003,079
Income before extraordinary items$219,0004,736
Extraordinary gains, net$06
Net income$219,0004,735
Minority interest net income$065
Net income of bank and minority interests.$219,0004,735
Net charge-offs$252,000819
Cash dividends$03,485
Sale, conversion, retirement of capital stock, net$0620
Net operating income$219,0004,743
2018-03-31 (YTD Data)Rank
Total interest income$1,577,0003,353
Total interest expense$342,0002,245
Net interest income$1,235,0003,573
Provision for loan and lease losses$03,508
Total noninterest income$92,0004,196
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$36,0003,791
Trading account gains and fees$0123
Additional Noninterest Income$56,0004,038
Total noninterest expense$1,197,0003,185
Salaries and employee benefits$683,0003,163
Premises and equipment expense$176,0002,649
Additional noninterest expense$338,0003,411
Pre-tax net operating income$130,0004,729
Securities gains (losses)$0735
Applicable income taxes$40,0002,846
Income before extraordinary items$90,0004,873
Extraordinary gains, net$07
Net income$90,0004,872
Minority interest net income$052
Net income of bank and minority interests.$90,0004,873
Net charge-offs$281,000438
Cash dividends$02,774
Sale, conversion, retirement of capital stock, net$0580
Net operating income$90,0004,874
2017-12-31 (YTD Data)Rank
Total interest income$6,399,0003,293
Total interest expense$1,052,0002,468
Net interest income$5,347,0003,400
Provision for loan and lease losses$267,0002,091
Total noninterest income$34,0005,526
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$167,0003,698
Trading account gains and fees$0151
Additional Noninterest Income$-133,0005,630
Total noninterest expense$5,249,0003,011
Salaries and employee benefits$2,860,0003,091
Premises and equipment expense$819,0002,423
Additional noninterest expense$1,570,0003,138
Pre-tax net operating income$-135,0005,502
Securities gains (losses)$26,0001,226
Applicable income taxes$578,0002,313
Income before extraordinary items$-687,0005,543
Extraordinary gains, net$09
Net income$-687,0005,543
Minority interest net income$076
Net income of bank and minority interests.$-687,0005,543
Net charge-offs$98,0002,452
Cash dividends$04,147
Sale, conversion, retirement of capital stock, net$3,000695
Net operating income$-713,0005,544
2017-09-30 (YTD Data)Rank
Total interest income$4,781,0003,312
Total interest expense$746,0002,536
Net interest income$4,035,0003,419
Provision for loan and lease losses$128,0002,453
Total noninterest income$223,0004,561
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$130,0003,673
Trading account gains and fees$0145
Additional Noninterest Income$93,0004,696
Total noninterest expense$3,910,0003,038
Salaries and employee benefits$2,121,0003,110
Premises and equipment expense$624,0002,399
Additional noninterest expense$1,165,0003,161
Pre-tax net operating income$220,0005,143
Securities gains (losses)$26,0001,206
Applicable income taxes$108,0003,115
Income before extraordinary items$138,0005,265
Extraordinary gains, net$09
Net income$138,0005,264
Minority interest net income$071
Net income of bank and minority interests.$138,0005,265
Net charge-offs$78,0002,126
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$0677
Net operating income$121,3605,284
2017-06-30 (YTD Data)Rank
Total interest income$3,176,0003,319
Total interest expense$472,0002,588
Net interest income$2,704,0003,405
Provision for loan and lease losses$128,0001,989
Total noninterest income$126,0004,735
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$87,0003,669
Trading account gains and fees$0139
Additional Noninterest Income$39,0005,023
Total noninterest expense$2,599,0003,057
Salaries and employee benefits$1,394,0003,163
Premises and equipment expense$424,0002,371
Additional noninterest expense$781,0003,160
Pre-tax net operating income$103,0005,285
Securities gains (losses)$27,000880
Applicable income taxes$59,0003,234
Income before extraordinary items$71,0005,364
Extraordinary gains, net$011
Net income$71,0005,362
Minority interest net income$071
Net income of bank and minority interests.$71,0005,363
Net charge-offs$65,0001,808
Cash dividends$03,544
Sale, conversion, retirement of capital stock, net$0659
Net operating income$53,7205,420
2017-03-31 (YTD Data)Rank
Total interest income$1,546,0003,377
Total interest expense$210,0002,766
Net interest income$1,336,0003,445
Provision for loan and lease losses$03,537
Total noninterest income$33,0005,263
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$42,0003,742
Trading account gains and fees$0142
Additional Noninterest Income$-9,0005,807
Total noninterest expense$1,313,0003,076
Salaries and employee benefits$712,0003,163
Premises and equipment expense$227,0002,300
Additional noninterest expense$374,0003,242
Pre-tax net operating income$56,0005,255
Securities gains (losses)$01,153
Applicable income taxes$29,0003,190
Income before extraordinary items$27,0005,430
Extraordinary gains, net$08
Net income$27,0005,430
Minority interest net income$055
Net income of bank and minority interests.$27,0005,430
Net charge-offs$52,0001,304
Cash dividends$02,846
Sale, conversion, retirement of capital stock, net$0632
Net operating income$27,0005,427
2016-12-31 (YTD Data)Rank
Total interest income$5,774,0003,516
Total interest expense$601,0003,333
Net interest income$5,173,0003,510
Provision for loan and lease losses$86,0003,267
Total noninterest income$336,0004,551
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$167,0003,820
Trading account gains and fees$0170
Additional Noninterest Income$169,0004,527
Total noninterest expense$5,104,0003,146
Salaries and employee benefits$2,814,0003,157
Premises and equipment expense$784,0002,540
Additional noninterest expense$1,506,0003,335
Pre-tax net operating income$319,0005,127
Securities gains (losses)$20,0002,370
Applicable income taxes$170,0003,030
Income before extraordinary items$169,0005,384
Extraordinary gains, net$05
Net income$169,0005,383
Minority interest net income$082
Net income of bank and minority interests.$169,0005,383
Net charge-offs$124,0002,414
Cash dividends$04,239
Sale, conversion, retirement of capital stock, net$0759
Net operating income$156,2005,365
2016-09-30 (YTD Data)Rank
Total interest income$4,329,0003,530
Total interest expense$435,0003,398
Net interest income$3,894,0003,511
Provision for loan and lease losses$86,0002,929
Total noninterest income$267,0004,533
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$130,0003,798
Trading account gains and fees$0169
Additional Noninterest Income$137,0004,500
Total noninterest expense$3,803,0003,167
Salaries and employee benefits$2,100,0003,164
Premises and equipment expense$543,0002,677
Additional noninterest expense$1,160,0003,291
Pre-tax net operating income$272,0005,126
Securities gains (losses)$18,0002,362
Applicable income taxes$142,0003,028
Income before extraordinary items$148,0005,413
Extraordinary gains, net$05
Net income$148,0005,412
Minority interest net income$071
Net income of bank and minority interests.$148,0005,413
Net charge-offs$126,0001,860
Cash dividends$03,792
Sale, conversion, retirement of capital stock, net$0719
Net operating income$136,4805,393
2016-06-30 (YTD Data)Rank
Total interest income$2,864,0003,566
Total interest expense$277,0003,510
Net interest income$2,587,0003,533
Provision for loan and lease losses$61,0002,694
Total noninterest income$58,0005,515
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$88,0003,769
Trading account gains and fees$0157
Additional Noninterest Income$-30,0006,005
Total noninterest expense$2,507,0003,194
Salaries and employee benefits$1,387,0003,207
Premises and equipment expense$339,0002,822
Additional noninterest expense$781,0003,296
Pre-tax net operating income$77,0005,537
Securities gains (losses)$-2,0005,810
Applicable income taxes$48,0003,418
Income before extraordinary items$27,0005,715
Extraordinary gains, net$016
Net income$27,0005,713
Minority interest net income$071
Net income of bank and minority interests.$27,0005,714
Net charge-offs$42,0002,277
Cash dividends$03,654
Sale, conversion, retirement of capital stock, net$0705
Net operating income$28,2805,678
2016-03-31 (YTD Data)Rank
Total interest income$1,443,0003,550
Total interest expense$137,0003,552
Net interest income$1,306,0003,522
Provision for loan and lease losses$61,0001,943
Total noninterest income$-17,0006,094
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$46,0003,713
Trading account gains and fees$0142
Additional Noninterest Income$-63,0006,100
Total noninterest expense$1,192,0003,315
Salaries and employee benefits$668,0003,308
Premises and equipment expense$168,0002,856
Additional noninterest expense$356,0003,506
Pre-tax net operating income$36,0005,577
Securities gains (losses)$1,0001,958
Applicable income taxes$22,0003,437
Income before extraordinary items$15,0005,730
Extraordinary gains, net$012
Net income$15,0005,729
Minority interest net income$062
Net income of bank and minority interests.$15,0005,729
Net charge-offs$81,0001,129
Cash dividends$02,895
Sale, conversion, retirement of capital stock, net$0659
Net operating income$14,3605,696
2015-12-31 (YTD Data)Rank
Total interest income$5,576,0003,608
Total interest expense$575,0003,468
Net interest income$5,001,0003,588
Provision for loan and lease losses$278,0001,992
Total noninterest income$301,0004,805
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$204,0003,676
Trading account gains and fees$0159
Additional Noninterest Income$97,0005,110
Total noninterest expense$4,715,0003,359
Salaries and employee benefits$2,480,0003,441
Premises and equipment expense$683,0002,855
Additional noninterest expense$1,552,0003,332
Pre-tax net operating income$309,0005,265
Securities gains (losses)$4,0002,883
Applicable income taxes$143,0003,145
Income before extraordinary items$170,0005,537
Extraordinary gains, net$023
Net income$170,0005,539
Minority interest net income$081
Net income of bank and minority interests.$170,0005,540
Net charge-offs$269,0001,712
Cash dividends$04,291
Sale, conversion, retirement of capital stock, net$0804
Net operating income$167,4405,503
2015-09-30 (YTD Data)Rank
Total interest income$4,104,0003,678
Total interest expense$441,0003,476
Net interest income$3,663,0003,667
Provision for loan and lease losses$178,0002,112
Total noninterest income$277,0004,622
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$152,0003,721
Trading account gains and fees$0153
Additional Noninterest Income$125,0004,683
Total noninterest expense$3,539,0003,385
Salaries and employee benefits$1,827,0003,485
Premises and equipment expense$515,0002,895
Additional noninterest expense$1,197,0003,292
Pre-tax net operating income$223,0005,414
Securities gains (losses)$2,0002,829
Applicable income taxes$104,0003,256
Income before extraordinary items$121,0005,659
Extraordinary gains, net$021
Net income$121,0005,662
Minority interest net income$078
Net income of bank and minority interests.$121,0005,662
Net charge-offs$179,0001,654
Cash dividends$03,825
Sale, conversion, retirement of capital stock, net$0773
Net operating income$119,7205,629
2015-06-30 (YTD Data)Rank
Total interest income$2,706,0003,721
Total interest expense$301,0003,443
Net interest income$2,405,0003,721
Provision for loan and lease losses$177,0001,643
Total noninterest income$168,0004,740
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$98,0003,757
Trading account gains and fees$0157
Additional Noninterest Income$70,0004,899
Total noninterest expense$2,360,0003,401
Salaries and employee benefits$1,215,0003,514
Premises and equipment expense$342,0002,904
Additional noninterest expense$803,0003,299
Pre-tax net operating income$36,0005,863
Securities gains (losses)$2,0002,428
Applicable income taxes$26,0003,757
Income before extraordinary items$12,0005,982
Extraordinary gains, net$022
Net income$12,0005,983
Minority interest net income$075
Net income of bank and minority interests.$12,0005,984
Net charge-offs$201,0001,183
Cash dividends$03,664
Sale, conversion, retirement of capital stock, net$0751
Net operating income$10,7205,953
2015-03-31 (YTD Data)Rank
Total interest income$1,322,0003,786
Total interest expense$149,0003,493
Net interest income$1,173,0003,793
Provision for loan and lease losses$03,703
Total noninterest income$81,0004,779
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$47,0003,792
Trading account gains and fees$0152
Additional Noninterest Income$34,0004,939
Total noninterest expense$1,175,0003,426
Salaries and employee benefits$599,0003,572
Premises and equipment expense$176,0002,888
Additional noninterest expense$400,0003,302
Pre-tax net operating income$79,0005,379
Securities gains (losses)$2,0001,821
Applicable income taxes$35,0003,243
Income before extraordinary items$46,0005,647
Extraordinary gains, net$013
Net income$46,0005,647
Minority interest net income$064
Net income of bank and minority interests.$46,0005,648
Net charge-offs$-3,0004,874
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$0697
Net operating income$44,7205,618
2014-12-31 (YTD Data)Rank
Total interest income$4,986,0003,964
Total interest expense$574,0003,731
Net interest income$4,412,0003,957
Provision for loan and lease losses$535,0001,393
Total noninterest income$621,0003,932
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$192,0003,974
Trading account gains and fees$0180
Additional Noninterest Income$429,0003,495
Total noninterest expense$4,420,0003,584
Salaries and employee benefits$2,372,0003,610
Premises and equipment expense$726,0002,853
Additional noninterest expense$1,322,0003,833
Pre-tax net operating income$78,0005,923
Securities gains (losses)$-12,0006,069
Applicable income taxes$59,0003,649
Income before extraordinary items$7,0006,091
Extraordinary gains, net$017
Net income$7,0006,091
Minority interest net income$084
Net income of bank and minority interests.$7,0006,092
Net charge-offs$443,0001,601
Cash dividends$04,358
Sale, conversion, retirement of capital stock, net$5,000824
Net operating income$14,6806,062
2014-09-30 (YTD Data)Rank
Total interest income$3,706,0004,020
Total interest expense$425,0003,811
Net interest income$3,281,0004,017
Provision for loan and lease losses$423,0001,332
Total noninterest income$506,0003,816
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$145,0004,009
Trading account gains and fees$0174
Additional Noninterest Income$361,0003,353
Total noninterest expense$3,281,0003,632
Salaries and employee benefits$1,772,0003,623
Premises and equipment expense$525,0002,941
Additional noninterest expense$984,0003,875
Pre-tax net operating income$83,0005,932
Securities gains (losses)$-12,0006,180
Applicable income taxes$44,0003,709
Income before extraordinary items$27,0006,104
Extraordinary gains, net$015
Net income$27,0006,103
Minority interest net income$081
Net income of bank and minority interests.$27,0006,104
Net charge-offs$256,0001,729
Cash dividends$03,845
Sale, conversion, retirement of capital stock, net$0819
Net operating income$34,6806,059
2014-06-30 (YTD Data)Rank
Total interest income$2,481,0004,023
Total interest expense$279,0003,885
Net interest income$2,202,0004,005
Provision for loan and lease losses$282,0001,351
Total noninterest income$319,0003,918
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$102,0003,907
Trading account gains and fees$0172
Additional Noninterest Income$217,0003,501
Total noninterest expense$2,166,0003,665
Salaries and employee benefits$1,186,0003,639
Premises and equipment expense$331,0003,082
Additional noninterest expense$649,0003,918
Pre-tax net operating income$73,0005,896
Securities gains (losses)$-1,0006,043
Applicable income taxes$42,0003,531
Income before extraordinary items$30,0006,097
Extraordinary gains, net$020
Net income$30,0006,098
Minority interest net income$080
Net income of bank and minority interests.$30,0006,099
Net charge-offs$92,0002,263
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$0794
Net operating income$30,6406,071
2014-03-31 (YTD Data)Rank
Total interest income$1,236,0004,048
Total interest expense$142,0003,903
Net interest income$1,094,0004,032
Provision for loan and lease losses$30,0002,577
Total noninterest income$164,0003,836
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$55,0003,769
Trading account gains and fees$0147
Additional Noninterest Income$109,0003,444
Total noninterest expense$1,054,0003,771
Salaries and employee benefits$595,0003,665
Premises and equipment expense$147,0003,389
Additional noninterest expense$312,0004,020
Pre-tax net operating income$174,0004,680
Securities gains (losses)$01,715
Applicable income taxes$83,0002,517
Income before extraordinary items$91,0005,250
Extraordinary gains, net$016
Net income$91,0005,251
Minority interest net income$066
Net income of bank and minority interests.$91,0005,251
Net charge-offs$-3,0005,214
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$91,0005,203
2013-12-31 (YTD Data)Rank
Total interest income$4,932,0004,111
Total interest expense$576,0004,160
Net interest income$4,356,0004,058
Provision for loan and lease losses$78,0003,917
Total noninterest income$754,0003,715
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$187,0004,210
Trading account gains and fees$0184
Additional Noninterest Income$567,0003,193
Total noninterest expense$4,375,0003,704
Salaries and employee benefits$2,259,0003,797
Premises and equipment expense$754,0002,820
Additional noninterest expense$1,362,0003,894
Pre-tax net operating income$657,0004,682
Securities gains (losses)$16,0002,449
Applicable income taxes$256,0002,765
Income before extraordinary items$417,0005,095
Extraordinary gains, net$029
Net income$417,0005,098
Minority interest net income$090
Net income of bank and minority interests.$417,0005,098
Net charge-offs$72,0004,062
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$46,000679
Net operating income$406,7605,075
2013-09-30 (YTD Data)Rank
Total interest income$3,628,0004,203
Total interest expense$432,0004,250
Net interest income$3,196,0004,148
Provision for loan and lease losses$28,0004,342
Total noninterest income$524,0003,933
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$140,0004,243
Trading account gains and fees$0180
Additional Noninterest Income$384,0003,381
Total noninterest expense$3,235,0003,762
Salaries and employee benefits$1,673,0003,829
Premises and equipment expense$531,0002,973
Additional noninterest expense$1,031,0003,869
Pre-tax net operating income$457,0004,873
Securities gains (losses)$16,0002,321
Applicable income taxes$191,0002,832
Income before extraordinary items$282,0005,336
Extraordinary gains, net$025
Net income$282,0005,337
Minority interest net income$084
Net income of bank and minority interests.$282,0005,338
Net charge-offs$61,0003,704
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$38,000622
Net operating income$271,7605,292
2013-06-30 (YTD Data)Rank
Total interest income$2,369,0004,276
Total interest expense$286,0004,324
Net interest income$2,083,0004,201
Provision for loan and lease losses$10,0004,495
Total noninterest income$316,0004,128
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$87,0004,347
Trading account gains and fees$0157
Additional Noninterest Income$229,0003,576
Total noninterest expense$2,177,0003,755
Salaries and employee benefits$1,110,0003,861
Premises and equipment expense$376,0002,849
Additional noninterest expense$691,0003,859
Pre-tax net operating income$212,0005,260
Securities gains (losses)$16,0002,123
Applicable income taxes$113,0002,925
Income before extraordinary items$115,0005,752
Extraordinary gains, net$022
Net income$115,0005,754
Minority interest net income$082
Net income of bank and minority interests.$115,0005,754
Net charge-offs$4,0004,592
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$25,000591
Net operating income$104,7605,740
2013-03-31 (YTD Data)Rank
Total interest income$1,138,0004,398
Total interest expense$143,0004,410
Net interest income$995,0004,343
Provision for loan and lease losses$35,0003,111
Total noninterest income$144,0004,264
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$38,0004,575
Trading account gains and fees$0148
Additional Noninterest Income$106,0003,670
Total noninterest expense$1,005,0003,977
Salaries and employee benefits$527,0004,027
Premises and equipment expense$169,0003,112
Additional noninterest expense$309,0004,142
Pre-tax net operating income$99,0005,329
Securities gains (losses)$13,0001,412
Applicable income taxes$47,0003,024
Income before extraordinary items$65,0005,657
Extraordinary gains, net$010
Net income$65,0005,659
Minority interest net income$076
Net income of bank and minority interests.$65,0005,659
Net charge-offs$04,145
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$12,000552
Net operating income$56,6805,676
2012-12-31 (YTD Data)Rank
Total interest income$4,742,0004,439
Total interest expense$699,0004,407
Net interest income$4,043,0004,380
Provision for loan and lease losses$411,0002,983
Total noninterest income$878,0003,484
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$140,0004,893
Trading account gains and fees$0166
Additional Noninterest Income$738,0002,819
Total noninterest expense$3,992,0004,044
Salaries and employee benefits$1,889,0004,266
Premises and equipment expense$658,0003,163
Additional noninterest expense$1,445,0003,887
Pre-tax net operating income$518,0004,874
Securities gains (losses)$93,0002,325
Applicable income taxes$242,0002,855
Income before extraordinary items$369,0005,283
Extraordinary gains, net$029
Net income$369,0005,280
Minority interest net income$093
Net income of bank and minority interests.$369,0005,281
Net charge-offs$758,0002,119
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$50,000710
Net operating income$309,4805,252
2012-09-30 (YTD Data)Rank
Total interest income$3,524,0004,531
Total interest expense$546,0004,440
Net interest income$2,978,0004,497
Provision for loan and lease losses$181,0003,631
Total noninterest income$215,0005,329
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$99,0005,055
Trading account gains and fees$0157
Additional Noninterest Income$116,0004,935
Total noninterest expense$2,712,0004,316
Salaries and employee benefits$1,418,0004,284
Premises and equipment expense$491,0003,203
Additional noninterest expense$803,0004,658
Pre-tax net operating income$300,0005,304
Securities gains (losses)$98,0001,993
Applicable income taxes$114,0003,276
Income before extraordinary items$284,0005,385
Extraordinary gains, net$020
Net income$284,0005,384
Minority interest net income$086
Net income of bank and minority interests.$284,0005,384
Net charge-offs$492,0002,210
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$38,000663
Net operating income$214,4205,482
2012-06-30 (YTD Data)Rank
Total interest income$2,344,0004,584
Total interest expense$385,0004,420
Net interest income$1,959,0004,553
Provision for loan and lease losses$166,0003,226
Total noninterest income$148,0005,323
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$62,0005,181
Trading account gains and fees$0153
Additional Noninterest Income$86,0004,844
Total noninterest expense$1,797,0004,359
Salaries and employee benefits$945,0004,316
Premises and equipment expense$326,0003,230
Additional noninterest expense$526,0004,717
Pre-tax net operating income$144,0005,626
Securities gains (losses)$33,0002,291
Applicable income taxes$57,0003,457
Income before extraordinary items$120,0005,828
Extraordinary gains, net$019
Net income$120,0005,827
Minority interest net income$084
Net income of bank and minority interests.$120,0005,827
Net charge-offs$410,0001,973
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$25,000629
Net operating income$97,5605,807
2012-03-31 (YTD Data)Rank
Total interest income$1,176,0004,610
Total interest expense$211,0004,326
Net interest income$965,0004,632
Provision for loan and lease losses$153,0002,286
Total noninterest income$85,0005,174
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$31,0005,167
Trading account gains and fees$0148
Additional Noninterest Income$54,0004,597
Total noninterest expense$879,0004,456
Salaries and employee benefits$462,0004,396
Premises and equipment expense$158,0003,324
Additional noninterest expense$259,0004,775
Pre-tax net operating income$18,0006,242
Securities gains (losses)$02,210
Applicable income taxes$7,0004,126
Income before extraordinary items$11,0006,428
Extraordinary gains, net$019
Net income$11,0006,427
Minority interest net income$078
Net income of bank and minority interests.$11,0006,428
Net charge-offs$411,0001,233
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$12,000577
Net operating income$11,0006,307
2011-12-31 (YTD Data)Rank
Total interest income$4,502,0004,833
Total interest expense$1,049,0004,300
Net interest income$3,453,0004,927
Provision for loan and lease losses$23,0006,186
Total noninterest income$196,0005,752
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$100,0005,510
Trading account gains and fees$0146
Additional Noninterest Income$96,0005,351
Total noninterest expense$3,488,0004,494
Salaries and employee benefits$1,816,0004,420
Premises and equipment expense$607,0003,548
Additional noninterest expense$1,065,0004,753
Pre-tax net operating income$138,0005,644
Securities gains (losses)$24,0002,997
Applicable income taxes$28,0003,989
Income before extraordinary items$134,0005,760
Extraordinary gains, net$2,253,0008
Net income$2,387,0001,949
Minority interest net income$096
Net income of bank and minority interests.$2,387,0001,949
Net charge-offs$210,0004,244
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$50,000804
Net operating income$114,0805,705
2011-09-30 (YTD Data)Rank
Total interest income$3,326,0004,938
Total interest expense$805,0004,345
Net interest income$2,521,0005,036
Provision for loan and lease losses$23,0005,958
Total noninterest income$139,0005,926
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$70,0005,630
Trading account gains and fees$0145
Additional Noninterest Income$69,0005,495
Total noninterest expense$2,581,0004,530
Salaries and employee benefits$1,360,0004,422
Premises and equipment expense$450,0003,615
Additional noninterest expense$771,0004,861
Pre-tax net operating income$56,0005,973
Securities gains (losses)$9,0003,085
Applicable income taxes$21,0004,025
Income before extraordinary items$44,0006,116
Extraordinary gains, net$021
Net income$44,0006,117
Minority interest net income$087
Net income of bank and minority interests.$44,0006,117
Net charge-offs$109,0004,344
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$37,000762
Net operating income$37,8806,034
2011-06-30 (YTD Data)Rank
Total interest income$2,184,0005,014
Total interest expense$546,0004,424
Net interest income$1,638,0005,114
Provision for loan and lease losses$18,0005,762
Total noninterest income$83,0006,082
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$41,0005,787
Trading account gains and fees$0153
Additional Noninterest Income$42,0005,630
Total noninterest expense$1,728,0004,564
Salaries and employee benefits$914,0004,437
Premises and equipment expense$302,0003,627
Additional noninterest expense$512,0004,939
Pre-tax net operating income$-25,0006,275
Securities gains (losses)$8,0002,429
Applicable income taxes$14,0003,977
Income before extraordinary items$-31,0006,379
Extraordinary gains, net$015
Net income$-31,0006,378
Minority interest net income$089
Net income of bank and minority interests.$-31,0006,379
Net charge-offs$85,0004,004
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$25,000705
Net operating income$-39,0006,338
2011-03-31 (YTD Data)Rank
Total interest income$1,066,0005,106
Total interest expense$280,0004,481
Net interest income$786,0005,221
Provision for loan and lease losses$12,0005,317
Total noninterest income$33,0006,395
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$16,0006,075
Trading account gains and fees$0158
Additional Noninterest Income$17,0005,953
Total noninterest expense$868,0004,572
Salaries and employee benefits$464,0004,433
Premises and equipment expense$148,0003,732
Additional noninterest expense$256,0004,951
Pre-tax net operating income$-61,0006,579
Securities gains (losses)$01,772
Applicable income taxes$7,0003,925
Income before extraordinary items$-68,0006,632
Extraordinary gains, net$09
Net income$-68,0006,632
Minority interest net income$086
Net income of bank and minority interests.$-68,0006,632
Net charge-offs$50,0003,347
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$12,000654
Net operating income$-68,0006,620
2010-12-31 (YTD Data)Rank
Total interest income$3,781,0005,535
Total interest expense$1,159,0004,909
Net interest income$2,622,0005,666
Provision for loan and lease losses$670,0003,674
Total noninterest income$138,0006,382
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$61,0006,060
Trading account gains and fees$0175
Additional Noninterest Income$77,0005,723
Total noninterest expense$3,384,0004,687
Salaries and employee benefits$1,807,0004,518
Premises and equipment expense$479,0004,300
Additional noninterest expense$1,098,0004,840
Pre-tax net operating income$-1,294,0006,595
Securities gains (losses)$03,793
Applicable income taxes$30,0003,855
Income before extraordinary items$-1,324,0006,698
Extraordinary gains, net$029
Net income$-1,324,0006,698
Minority interest net income$0111
Net income of bank and minority interests.$-1,324,0006,699
Net charge-offs$11,0006,545
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$50,000943
Net operating income$-1,324,0006,676
2010-09-30 (YTD Data)Rank
Total interest income$2,750,0005,720
Total interest expense$842,0005,121
Net interest income$1,908,0005,816
Provision for loan and lease losses$104,0005,649
Total noninterest income$96,0006,581
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$42,0006,224
Trading account gains and fees$0165
Additional Noninterest Income$54,0005,909
Total noninterest expense$2,408,0004,838
Salaries and employee benefits$1,337,0004,586
Premises and equipment expense$310,0004,751
Additional noninterest expense$761,0005,053
Pre-tax net operating income$-508,0006,553
Securities gains (losses)$03,651
Applicable income taxes$22,0003,956
Income before extraordinary items$-530,0006,678
Extraordinary gains, net$023
Net income$-530,0006,679
Minority interest net income$0110
Net income of bank and minority interests.$-530,0006,679
Net charge-offs$11,0006,236
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$38,000884
Net operating income$-530,0006,622
2010-06-30 (YTD Data)Rank
Total interest income$1,788,0005,809
Total interest expense$557,0005,238
Net interest income$1,231,0005,902
Provision for loan and lease losses$104,0005,107
Total noninterest income$45,0006,935
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$24,0006,378
Trading account gains and fees$0152
Additional Noninterest Income$21,0006,429
Total noninterest expense$1,548,0004,972
Salaries and employee benefits$853,0004,747
Premises and equipment expense$191,0004,980
Additional noninterest expense$504,0005,063
Pre-tax net operating income$-376,0006,646
Securities gains (losses)$03,184
Applicable income taxes$15,0003,923
Income before extraordinary items$-391,0006,774
Extraordinary gains, net$019
Net income$-391,0006,776
Minority interest net income$0105
Net income of bank and minority interests.$-391,0006,775
Net charge-offs$11,0005,773
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$25,000826
Net operating income$-391,0006,733
2010-03-31 (YTD Data)Rank
Total interest income$872,0005,935
Total interest expense$274,0005,398
Net interest income$598,0006,011
Provision for loan and lease losses$72,0004,420
Total noninterest income$18,0007,169
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$11,0006,478
Trading account gains and fees$0175
Additional Noninterest Income$7,0006,844
Total noninterest expense$763,0005,068
Salaries and employee benefits$419,0004,858
Premises and equipment expense$92,0005,136
Additional noninterest expense$252,0005,096
Pre-tax net operating income$-219,0006,860
Securities gains (losses)$02,284
Applicable income taxes$8,0003,919
Income before extraordinary items$-227,0006,971
Extraordinary gains, net$016
Net income$-227,0006,972
Minority interest net income$091
Net income of bank and minority interests.$-227,0006,971
Net charge-offs$11,0004,779
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$13,000755
Net operating income$-227,0006,934
2009-12-31 (YTD Data)Rank
Total interest income$2,682,0006,560
Total interest expense$1,103,0005,831
Net interest income$1,579,0006,805
Provision for loan and lease losses$349,0005,067
Total noninterest income$70,0007,243
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$47,0006,516
Trading account gains and fees$0211
Additional Noninterest Income$23,0006,887
Total noninterest expense$3,005,0005,172
Salaries and employee benefits$1,647,0004,918
Premises and equipment expense$343,0005,365
Additional noninterest expense$1,015,0005,198
Pre-tax net operating income$-1,705,0006,532
Securities gains (losses)$03,754
Applicable income taxes$25,0003,576
Income before extraordinary items$-1,730,0006,658
Extraordinary gains, net$034
Net income$-1,730,0006,658
Minority interest net income$0115
Net income of bank and minority interests.$-1,730,0006,658
Net charge-offs$18,0006,703
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$62,0001,010
Net operating income$-1,730,0006,653
2009-09-30 (YTD Data)Rank
Total interest income$1,849,0006,786
Total interest expense$846,0005,930
Net interest income$1,003,0007,130
Provision for loan and lease losses$241,0004,901
Total noninterest income$51,0007,392
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$36,0006,545
Trading account gains and fees$0212
Additional Noninterest Income$15,0007,138
Total noninterest expense$2,139,0005,334
Salaries and employee benefits$1,256,0004,900
Premises and equipment expense$212,0005,829
Additional noninterest expense$671,0005,535
Pre-tax net operating income$-1,326,0006,797
Securities gains (losses)$03,497
Applicable income taxes$17,0003,848
Income before extraordinary items$-1,343,0006,930
Extraordinary gains, net$027
Net income$-1,343,0006,931
Minority interest net income$0118
Net income of bank and minority interests.$-1,343,0006,931
Net charge-offs$9,0006,555
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$49,000926
Net operating income$-1,343,0006,907
2009-06-30 (YTD Data)Rank
Total interest income$1,093,0007,077
Total interest expense$563,0006,044
Net interest income$530,0007,485
Provision for loan and lease losses$166,0004,603
Total noninterest income$28,0007,546
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$23,0006,604
Trading account gains and fees$0193
Additional Noninterest Income$5,0007,481
Total noninterest expense$1,365,0005,500
Salaries and employee benefits$850,0004,911
Premises and equipment expense$139,0005,929
Additional noninterest expense$376,0005,991
Pre-tax net operating income$-973,0007,011
Securities gains (losses)$03,136
Applicable income taxes$10,0004,008
Income before extraordinary items$-983,0007,143
Extraordinary gains, net$021
Net income$-983,0007,143
Minority interest net income$0112
Net income of bank and minority interests.$-983,0007,144
Net charge-offs$3,0006,371
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$36,000884
Net operating income$-983,0007,136
2009-03-31 (YTD Data)Rank
Total interest income$492,0007,284
Total interest expense$274,0006,195
Net interest income$218,0007,714
Provision for loan and lease losses$82,0004,202
Total noninterest income$11,0007,734
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$10,0006,707
Trading account gains and fees$0171
Additional Noninterest Income$1,0007,715
Total noninterest expense$651,0005,585
Salaries and employee benefits$444,0004,842
Premises and equipment expense$80,0005,652
Additional noninterest expense$127,0006,685
Pre-tax net operating income$-504,0007,328
Securities gains (losses)$02,434
Applicable income taxes$2,0004,551
Income before extraordinary items$-506,0007,452
Extraordinary gains, net$015
Net income$-506,0007,452
Minority interest net income$0102
Net income of bank and minority interests.$-506,0007,453
Net charge-offs$05,728
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$25,000697
Net operating income$-506,0007,420
2008-12-31 (YTD Data)Rank
Total interest income$1,427,0007,742
Total interest expense$333,0007,947
Net interest income$1,094,0007,483
Provision for loan and lease losses$557,0003,646
Total noninterest income$14,0007,991
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$14,0007,122
Trading account gains and fees$0154
Additional Noninterest Income$07,939
Total noninterest expense$3,191,0004,918
Salaries and employee benefits$1,913,0004,612
Premises and equipment expense$374,0005,273
Additional noninterest expense$904,0005,132
Pre-tax net operating income$-2,640,0007,519
Securities gains (losses)$03,220
Applicable income taxes$12,0004,478
Income before extraordinary items$-2,652,0007,540
Extraordinary gains, net$039
Net income$-2,652,0007,538
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,039
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$16,844,000101
Net operating income$-2,652,0007,618
2008-09-30 (YTD Data)Rank
Total interest income$949,0007,916
Total interest expense$151,0008,193
Net interest income$798,0007,581
Provision for loan and lease losses$398,0003,093
Total noninterest income$6,0008,155
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$6,0007,248
Trading account gains and fees$0148
Additional Noninterest Income$08,105
Total noninterest expense$2,370,0004,928
Salaries and employee benefits$1,440,0004,611
Premises and equipment expense$272,0005,364
Additional noninterest expense$658,0005,150
Pre-tax net operating income$-1,964,0007,849
Securities gains (losses)$03,106
Applicable income taxes$11,0004,828
Income before extraordinary items$-1,975,0007,859
Extraordinary gains, net$031
Net income$-1,975,0007,859
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,534
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$16,839,00067
Net operating income$-1,975,0007,935
2008-06-30 (YTD Data)Rank
Total interest income$586,0008,042
Total interest expense$59,0008,331
Net interest income$527,0007,634
Provision for loan and lease losses$203,0003,126
Total noninterest income$1,0008,287
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$2,0007,352
Trading account gains and fees$0149
Additional Noninterest Income$-1,0008,305
Total noninterest expense$1,697,0004,749
Salaries and employee benefits$1,030,0004,425
Premises and equipment expense$178,0005,454
Additional noninterest expense$489,0004,795
Pre-tax net operating income$-1,372,0008,051
Securities gains (losses)$03,233
Applicable income taxes$05,627
Income before extraordinary items$-1,372,0008,122
Extraordinary gains, net$021
Net income$-1,372,0008,122
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,998
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$16,814,00052
Net operating income$-1,372,0008,110
2008-03-31 (YTD Data)Rank
Total interest income$345,0007,976
Total interest expense$4,0008,458
Net interest income$341,0007,295
Provision for loan and lease losses$06,080
Total noninterest income$1,0008,296
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$07,431
Trading account gains and fees$0158
Additional Noninterest Income$1,0008,110
Total noninterest expense$923,0004,493
Salaries and employee benefits$623,0003,863
Premises and equipment expense$68,0006,121
Additional noninterest expense$232,0004,924
Pre-tax net operating income$-581,0008,134
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$-581,0008,180
Extraordinary gains, net$015
Net income$-581,0008,179
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,009
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$16,814,00026
Net operating income$-581,0008,168

* 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.