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Choice Financial Group, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$268,790,000247
Total interest expense$126,324,000205
Net interest income$142,466,000278
Provision for loan and lease losses$8,248,000238
Total noninterest income$46,229,000263
Gross Fiduciary activities income$0981
Service charges on deposit accounts$9,391,000173
Trading account gains and fees$-88,0001,187
Additional Noninterest Income$36,926,000214
Total noninterest expense$98,717,000325
Salaries and employee benefits$59,242,000284
Premises and equipment expense$5,650,000500
Additional noninterest expense$36,926,000214
Pre-tax net operating income$81,730,000240
Securities gains (losses)$376,000113
Applicable income taxes$20,258,000209
Income before extraordinary items$61,848,000243
Extraordinary gains, net$054
Net income$61,848,000246
Minority interest net income$088
Net income of bank and minority interests.$61,848,000245
Net charge-offs$-28,0004,069
Cash dividends$18,043,000322
Sale, conversion, retirement of capital stock, net$0540
Net operating income$61,550,960250
2023-09-30 (YTD Data)Rank
Total interest income$195,940,000249
Total interest expense$89,187,000206
Net interest income$106,753,000282
Provision for loan and lease losses$1,894,000459
Total noninterest income$35,123,000254
Gross Fiduciary activities income$0950
Service charges on deposit accounts$6,159,000192
Trading account gains and fees$22,000103
Additional Noninterest Income$28,942,000206
Total noninterest expense$71,642,000330
Salaries and employee benefits$44,642,000288
Premises and equipment expense$4,130,000509
Additional noninterest expense$28,942,000206
Pre-tax net operating income$68,340,000225
Securities gains (losses)$104,000155
Applicable income taxes$17,796,000199
Income before extraordinary items$50,648,000232
Extraordinary gains, net$052
Net income$50,648,000234
Minority interest net income$081
Net income of bank and minority interests.$50,648,000233
Net charge-offs$-700,0004,582
Cash dividends$12,496,000327
Sale, conversion, retirement of capital stock, net$0507
Net operating income$50,565,840237
2023-06-30 (YTD Data)Rank
Total interest income$122,656,000250
Total interest expense$52,083,000199
Net interest income$70,573,000282
Provision for loan and lease losses$1,099,000485
Total noninterest income$24,260,000246
Gross Fiduciary activities income$0931
Service charges on deposit accounts$3,518,000205
Trading account gains and fees$29,00096
Additional Noninterest Income$20,713,000190
Total noninterest expense$45,186,000334
Salaries and employee benefits$28,383,000294
Premises and equipment expense$2,742,000502
Additional noninterest expense$20,713,000190
Pre-tax net operating income$48,548,000225
Securities gains (losses)$131,000147
Applicable income taxes$12,361,000195
Income before extraordinary items$36,318,000228
Extraordinary gains, net$051
Net income$36,318,000232
Minority interest net income$081
Net income of bank and minority interests.$36,318,000228
Net charge-offs$-119,0004,475
Cash dividends$7,342,000343
Sale, conversion, retirement of capital stock, net$0486
Net operating income$36,214,510230
2023-03-31 (YTD Data)Rank
Total interest income$55,854,000268
Total interest expense$20,842,000220
Net interest income$35,012,000291
Provision for loan and lease losses$1,056,000339
Total noninterest income$13,005,000230
Gross Fiduciary activities income$0913
Service charges on deposit accounts$2,104,000191
Trading account gains and fees$33,00090
Additional Noninterest Income$10,868,000181
Total noninterest expense$21,373,000356
Salaries and employee benefits$13,644,000314
Premises and equipment expense$1,309,000541
Additional noninterest expense$10,868,000181
Pre-tax net operating income$25,588,000222
Securities gains (losses)$56,000243
Applicable income taxes$6,323,000189
Income before extraordinary items$19,321,000221
Extraordinary gains, net$04
Net income$19,321,000221
Minority interest net income$048
Net income of bank and minority interests.$19,321,000221
Net charge-offs$-46,0004,426
Cash dividends$3,394,000349
Sale, conversion, retirement of capital stock, net$0430
Net operating income$19,276,760226
2022-12-31 (YTD Data)Rank
Total interest income$141,006,000310
Total interest expense$17,003,000291
Net interest income$124,003,000314
Provision for loan and lease losses$1,911,000539
Total noninterest income$41,565,000289
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$6,472,000224
Trading account gains and fees$1,288,00073
Additional Noninterest Income$33,805,000239
Total noninterest expense$79,907,000361
Salaries and employee benefits$49,634,000327
Premises and equipment expense$5,018,000543
Additional noninterest expense$33,805,000239
Pre-tax net operating income$83,750,000263
Securities gains (losses)$-99,0003,905
Applicable income taxes$21,162,000225
Income before extraordinary items$62,489,000278
Extraordinary gains, net$05
Net income$62,489,000278
Minority interest net income$063
Net income of bank and minority interests.$62,489,000278
Net charge-offs$-382,0004,561
Cash dividends$20,658,000289
Sale, conversion, retirement of capital stock, net$0568
Net operating income$62,567,210282
2022-09-30 (YTD Data)Rank
Total interest income$94,902,000324
Total interest expense$5,681,000420
Net interest income$89,221,000314
Provision for loan and lease losses$1,400,000500
Total noninterest income$29,329,000310
Gross Fiduciary activities income$0968
Service charges on deposit accounts$4,844,000228
Trading account gains and fees$-151,0001,198
Additional Noninterest Income$24,636,000253
Total noninterest expense$58,110,000369
Salaries and employee benefits$36,355,000333
Premises and equipment expense$3,706,000550
Additional noninterest expense$24,636,000253
Pre-tax net operating income$59,040,000282
Securities gains (losses)$-159,0004,312
Applicable income taxes$14,530,000250
Income before extraordinary items$44,351,000284
Extraordinary gains, net$04
Net income$44,351,000284
Minority interest net income$057
Net income of bank and minority interests.$44,351,000284
Net charge-offs$-383,0004,595
Cash dividends$11,525,000318
Sale, conversion, retirement of capital stock, net$0519
Net operating income$44,476,610287
2022-06-30 (YTD Data)Rank
Total interest income$59,157,000324
Total interest expense$2,437,000490
Net interest income$56,720,000316
Provision for loan and lease losses$1,050,000406
Total noninterest income$22,032,000280
Gross Fiduciary activities income$0925
Service charges on deposit accounts$3,236,000229
Trading account gains and fees$48,00098
Additional Noninterest Income$18,748,000234
Total noninterest expense$38,295,000362
Salaries and employee benefits$23,981,000327
Premises and equipment expense$2,505,000537
Additional noninterest expense$11,809,000382
Pre-tax net operating income$39,407,000269
Securities gains (losses)$-156,0004,433
Applicable income taxes$10,049,000233
Income before extraordinary items$29,202,000275
Extraordinary gains, net$04
Net income$29,202,000276
Minority interest net income$060
Net income of bank and minority interests.$29,202,000275
Net charge-offs$-182,0004,529
Cash dividends$8,528,000302
Sale, conversion, retirement of capital stock, net$0494
Net operating income$29,325,240278
2022-03-31 (YTD Data)Rank
Total interest income$28,589,000325
Total interest expense$1,212,000459
Net interest income$27,377,000317
Provision for loan and lease losses$525,000320
Total noninterest income$14,566,000233
Gross Fiduciary activities income$0892
Service charges on deposit accounts$1,668,000231
Trading account gains and fees$0103
Additional Noninterest Income$12,898,000193
Total noninterest expense$19,800,000361
Salaries and employee benefits$12,543,000326
Premises and equipment expense$1,242,000547
Additional noninterest expense$6,015,000374
Pre-tax net operating income$21,618,000245
Securities gains (losses)$-8,0004,222
Applicable income taxes$5,342,000225
Income before extraordinary items$16,268,000257
Extraordinary gains, net$04
Net income$16,268,000257
Minority interest net income$050
Net income of bank and minority interests.$16,268,000257
Net charge-offs$-57,0004,432
Cash dividends$5,300,000249
Sale, conversion, retirement of capital stock, net$0453
Net operating income$16,274,320258
2021-12-31 (YTD Data)Rank
Total interest income$118,349,000314
Total interest expense$7,556,000369
Net interest income$110,793,000310
Provision for loan and lease losses$4,950,000112
Total noninterest income$32,031,000372
Gross Fiduciary activities income$0994
Service charges on deposit accounts$6,334,000224
Trading account gains and fees$-34,0001,254
Additional Noninterest Income$25,731,000349
Total noninterest expense$73,154,000375
Salaries and employee benefits$48,764,000327
Premises and equipment expense$5,304,000503
Additional noninterest expense$19,086,000439
Pre-tax net operating income$64,720,000311
Securities gains (losses)$453,000391
Applicable income taxes$16,701,000281
Income before extraordinary items$48,472,000346
Extraordinary gains, net$010
Net income$48,472,000346
Minority interest net income$074
Net income of bank and minority interests.$48,472,000346
Net charge-offs$1,371,000350
Cash dividends$11,949,000431
Sale, conversion, retirement of capital stock, net$0582
Net operating income$48,114,130342
2021-09-30 (YTD Data)Rank
Total interest income$88,219,000316
Total interest expense$6,006,000369
Net interest income$82,213,000315
Provision for loan and lease losses$3,600,000107
Total noninterest income$23,004,000393
Gross Fiduciary activities income$0957
Service charges on deposit accounts$4,552,000228
Trading account gains and fees$-67,0001,287
Additional Noninterest Income$18,519,000370
Total noninterest expense$52,463,000389
Salaries and employee benefits$35,407,000340
Premises and equipment expense$3,848,000531
Additional noninterest expense$13,208,000471
Pre-tax net operating income$49,154,000316
Securities gains (losses)$354,000409
Applicable income taxes$12,318,000284
Income before extraordinary items$37,190,000339
Extraordinary gains, net$08
Net income$37,190,000338
Minority interest net income$069
Net income of bank and minority interests.$37,190,000339
Net charge-offs$469,000524
Cash dividends$9,049,000409
Sale, conversion, retirement of capital stock, net$0543
Net operating income$36,910,340336
2021-06-30 (YTD Data)Rank
Total interest income$58,081,000316
Total interest expense$4,229,000363
Net interest income$53,852,000313
Provision for loan and lease losses$2,250,000129
Total noninterest income$15,189,000398
Gross Fiduciary activities income$0951
Service charges on deposit accounts$2,834,000232
Trading account gains and fees$0133
Additional Noninterest Income$12,355,000378
Total noninterest expense$34,631,000389
Salaries and employee benefits$23,671,000339
Premises and equipment expense$2,586,000526
Additional noninterest expense$8,374,000484
Pre-tax net operating income$32,160,000320
Securities gains (losses)$266,000407
Applicable income taxes$8,472,000283
Income before extraordinary items$23,954,000340
Extraordinary gains, net$06
Net income$23,954,000339
Minority interest net income$067
Net income of bank and minority interests.$23,954,000340
Net charge-offs$676,000333
Cash dividends$6,049,000386
Sale, conversion, retirement of capital stock, net$0517
Net operating income$23,743,860336
2021-03-31 (YTD Data)Rank
Total interest income$29,292,000315
Total interest expense$2,189,000366
Net interest income$27,103,000306
Provision for loan and lease losses$1,350,000137
Total noninterest income$7,786,000401
Gross Fiduciary activities income$0922
Service charges on deposit accounts$1,403,000233
Trading account gains and fees$0127
Additional Noninterest Income$6,383,000379
Total noninterest expense$17,155,000389
Salaries and employee benefits$11,924,000338
Premises and equipment expense$1,316,000521
Additional noninterest expense$3,915,000489
Pre-tax net operating income$16,384,000317
Securities gains (losses)$302,000264
Applicable income taxes$4,270,000280
Income before extraordinary items$12,416,000336
Extraordinary gains, net$03
Net income$12,416,000335
Minority interest net income$055
Net income of bank and minority interests.$12,416,000336
Net charge-offs$26,0001,055
Cash dividends$3,500,000309
Sale, conversion, retirement of capital stock, net$0482
Net operating income$12,177,420333
2020-12-31 (YTD Data)Rank
Total interest income$117,312,000317
Total interest expense$15,126,000347
Net interest income$102,186,000313
Provision for loan and lease losses$6,934,000457
Total noninterest income$26,940,000401
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$6,254,000217
Trading account gains and fees$339,000118
Additional Noninterest Income$20,347,000402
Total noninterest expense$59,521,000429
Salaries and employee benefits$40,830,000365
Premises and equipment expense$5,225,000508
Additional noninterest expense$13,466,000564
Pre-tax net operating income$62,671,000240
Securities gains (losses)$406,000687
Applicable income taxes$15,195,000220
Income before extraordinary items$47,882,000259
Extraordinary gains, net$04
Net income$47,882,000258
Minority interest net income$072
Net income of bank and minority interests.$47,882,000259
Net charge-offs$3,505,000282
Cash dividends$12,200,000394
Sale, conversion, retirement of capital stock, net$0566
Net operating income$47,561,260251
2020-09-30 (YTD Data)Rank
Total interest income$86,676,000317
Total interest expense$12,469,000338
Net interest income$74,207,000322
Provision for loan and lease losses$6,057,000433
Total noninterest income$18,761,000409
Gross Fiduciary activities income$0981
Service charges on deposit accounts$4,856,000217
Trading account gains and fees$0125
Additional Noninterest Income$13,905,000404
Total noninterest expense$43,594,000433
Salaries and employee benefits$30,442,000360
Premises and equipment expense$3,885,000509
Additional noninterest expense$9,267,000593
Pre-tax net operating income$43,317,000240
Securities gains (losses)$198,000895
Applicable income taxes$11,146,000202
Income before extraordinary items$32,369,000261
Extraordinary gains, net$04
Net income$32,369,000259
Minority interest net income$065
Net income of bank and minority interests.$32,369,000261
Net charge-offs$532,000725
Cash dividends$9,700,000368
Sale, conversion, retirement of capital stock, net$0532
Net operating income$32,212,580255
2020-06-30 (YTD Data)Rank
Total interest income$57,437,000320
Total interest expense$9,401,000337
Net interest income$48,036,000328
Provision for loan and lease losses$2,038,000711
Total noninterest income$11,925,000395
Gross Fiduciary activities income$0970
Service charges on deposit accounts$2,995,000222
Trading account gains and fees$0123
Additional Noninterest Income$8,930,000380
Total noninterest expense$28,894,000431
Salaries and employee benefits$20,091,000356
Premises and equipment expense$2,611,000505
Additional noninterest expense$6,192,000589
Pre-tax net operating income$29,029,000208
Securities gains (losses)$198,000705
Applicable income taxes$7,126,000187
Income before extraordinary items$22,101,000231
Extraordinary gains, net$04
Net income$22,101,000231
Minority interest net income$065
Net income of bank and minority interests.$22,101,000231
Net charge-offs$11,0002,415
Cash dividends$7,100,000340
Sale, conversion, retirement of capital stock, net$0504
Net operating income$21,944,580223
2020-03-31 (YTD Data)Rank
Total interest income$28,605,000330
Total interest expense$6,074,000311
Net interest income$22,531,000339
Provision for loan and lease losses$1,019,000595
Total noninterest income$5,513,000396
Gross Fiduciary activities income$0941
Service charges on deposit accounts$1,466,000246
Trading account gains and fees$0106
Additional Noninterest Income$4,047,000367
Total noninterest expense$14,186,000441
Salaries and employee benefits$9,821,000366
Premises and equipment expense$1,359,000492
Additional noninterest expense$3,006,000609
Pre-tax net operating income$12,839,000212
Securities gains (losses)$198,000387
Applicable income taxes$3,468,000168
Income before extraordinary items$9,569,000230
Extraordinary gains, net$04
Net income$9,569,000230
Minority interest net income$056
Net income of bank and minority interests.$9,569,000230
Net charge-offs$-13,0004,549
Cash dividends$4,300,000322
Sale, conversion, retirement of capital stock, net$0482
Net operating income$9,412,580230
2019-12-31 (YTD Data)Rank
Total interest income$116,383,000328
Total interest expense$22,905,000341
Net interest income$93,478,000326
Provision for loan and lease losses$5,362,000248
Total noninterest income$19,271,000438
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$3,769,000352
Trading account gains and fees$0135
Additional Noninterest Income$15,502,000389
Total noninterest expense$60,187,000397
Salaries and employee benefits$39,499,000342
Premises and equipment expense$5,224,000504
Additional noninterest expense$15,464,000468
Pre-tax net operating income$47,200,000327
Securities gains (losses)$64,0001,139
Applicable income taxes$11,776,000291
Income before extraordinary items$35,488,000346
Extraordinary gains, net$011
Net income$35,488,000347
Minority interest net income$076
Net income of bank and minority interests.$35,488,000347
Net charge-offs$440,0001,126
Cash dividends$14,500,000370
Sale, conversion, retirement of capital stock, net$0626
Net operating income$35,437,440340
2019-09-30 (YTD Data)Rank
Total interest income$87,130,000337
Total interest expense$16,569,000357
Net interest income$70,561,000329
Provision for loan and lease losses$4,537,000223
Total noninterest income$13,857,000454
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$2,512,000384
Trading account gains and fees$0129
Additional Noninterest Income$11,345,000387
Total noninterest expense$44,895,000396
Salaries and employee benefits$30,890,000336
Premises and equipment expense$3,928,000508
Additional noninterest expense$10,077,000535
Pre-tax net operating income$34,986,000329
Securities gains (losses)$52,0001,055
Applicable income taxes$10,301,000270
Income before extraordinary items$24,737,000360
Extraordinary gains, net$011
Net income$24,737,000361
Minority interest net income$072
Net income of bank and minority interests.$24,737,000361
Net charge-offs$683,000628
Cash dividends$12,000,000324
Sale, conversion, retirement of capital stock, net$0590
Net operating income$24,695,920354
2019-06-30 (YTD Data)Rank
Total interest income$57,011,000339
Total interest expense$10,310,000375
Net interest income$46,701,000333
Provision for loan and lease losses$3,158,000213
Total noninterest income$9,182,000449
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$1,649,000388
Trading account gains and fees$0131
Additional Noninterest Income$7,533,000379
Total noninterest expense$29,615,000403
Salaries and employee benefits$20,025,000340
Premises and equipment expense$3,123,000435
Additional noninterest expense$6,467,000553
Pre-tax net operating income$23,110,000325
Securities gains (losses)$51,000743
Applicable income taxes$6,943,000264
Income before extraordinary items$16,218,000362
Extraordinary gains, net$011
Net income$16,218,000363
Minority interest net income$069
Net income of bank and minority interests.$16,218,000363
Net charge-offs$630,000492
Cash dividends$9,000,000290
Sale, conversion, retirement of capital stock, net$0573
Net operating income$16,177,710355
2019-03-31 (YTD Data)Rank
Total interest income$27,998,000343
Total interest expense$4,938,000380
Net interest income$23,060,000336
Provision for loan and lease losses$1,579,000209
Total noninterest income$4,682,000419
Gross Fiduciary activities income$0972
Service charges on deposit accounts$800,000390
Trading account gains and fees$0126
Additional Noninterest Income$3,882,000352
Total noninterest expense$14,677,000402
Salaries and employee benefits$9,895,000345
Premises and equipment expense$1,547,000441
Additional noninterest expense$3,235,000547
Pre-tax net operating income$11,486,000323
Securities gains (losses)$01,087
Applicable income taxes$2,818,000292
Income before extraordinary items$8,668,000346
Extraordinary gains, net$05
Net income$8,668,000346
Minority interest net income$052
Net income of bank and minority interests.$8,668,000346
Net charge-offs$98,000895
Cash dividends$8,000,000205
Sale, conversion, retirement of capital stock, net$0529
Net operating income$8,668,000335
2018-12-31 (YTD Data)Rank
Total interest income$73,906,000444
Total interest expense$10,583,000489
Net interest income$63,323,000442
Provision for loan and lease losses$1,669,000584
Total noninterest income$15,356,000503
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$1,858,000688
Trading account gains and fees$0126
Additional Noninterest Income$13,498,000409
Total noninterest expense$43,132,000520
Salaries and employee benefits$28,733,000440
Premises and equipment expense$4,397,000578
Additional noninterest expense$10,002,000703
Pre-tax net operating income$33,878,000404
Securities gains (losses)$1,0001,025
Applicable income taxes$9,469,000320
Income before extraordinary items$24,410,000443
Extraordinary gains, net$06
Net income$24,410,000442
Minority interest net income$072
Net income of bank and minority interests.$24,410,000442
Net charge-offs$1,061,000556
Cash dividends$31,159,000207
Sale, conversion, retirement of capital stock, net$0671
Net operating income$24,409,210443
2018-09-30 (YTD Data)Rank
Total interest income$48,368,000499
Total interest expense$6,505,000558
Net interest income$41,863,000486
Provision for loan and lease losses$03,948
Total noninterest income$10,675,000536
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$1,181,000781
Trading account gains and fees$0138
Additional Noninterest Income$9,494,000432
Total noninterest expense$28,124,000605
Salaries and employee benefits$18,528,000505
Premises and equipment expense$2,903,000654
Additional noninterest expense$6,693,000765
Pre-tax net operating income$24,414,000419
Securities gains (losses)$-1,0004,378
Applicable income taxes$6,047,000363
Income before extraordinary items$18,366,000443
Extraordinary gains, net$05
Net income$18,366,000442
Minority interest net income$066
Net income of bank and minority interests.$18,366,000442
Net charge-offs$-88,0005,083
Cash dividends$31,159,000161
Sale, conversion, retirement of capital stock, net$0633
Net operating income$18,366,790442
2018-06-30 (YTD Data)Rank
Total interest income$29,247,000536
Total interest expense$3,778,000587
Net interest income$25,469,000525
Provision for loan and lease losses$03,782
Total noninterest income$7,252,000530
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$693,000871
Trading account gains and fees$0130
Additional Noninterest Income$6,559,000422
Total noninterest expense$17,628,000648
Salaries and employee benefits$11,430,000544
Premises and equipment expense$1,872,000682
Additional noninterest expense$4,326,000781
Pre-tax net operating income$15,093,000430
Securities gains (losses)$-1,0004,637
Applicable income taxes$3,910,000357
Income before extraordinary items$11,182,000463
Extraordinary gains, net$06
Net income$11,182,000462
Minority interest net income$065
Net income of bank and minority interests.$11,182,000462
Net charge-offs$-9,0004,493
Cash dividends$7,159,000293
Sale, conversion, retirement of capital stock, net$0620
Net operating income$11,182,790462
2018-03-31 (YTD Data)Rank
Total interest income$14,077,000549
Total interest expense$1,788,000582
Net interest income$12,289,000540
Provision for loan and lease losses$03,508
Total noninterest income$3,754,000511
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$339,000888
Trading account gains and fees$0123
Additional Noninterest Income$3,415,000407
Total noninterest expense$9,004,000647
Salaries and employee benefits$5,983,000521
Premises and equipment expense$917,000700
Additional noninterest expense$2,104,000786
Pre-tax net operating income$7,039,000443
Securities gains (losses)$0735
Applicable income taxes$2,232,000328
Income before extraordinary items$4,807,000511
Extraordinary gains, net$07
Net income$4,807,000511
Minority interest net income$052
Net income of bank and minority interests.$4,807,000511
Net charge-offs$-7,0004,604
Cash dividends$7,158,000167
Sale, conversion, retirement of capital stock, net$0580
Net operating income$4,807,000512
2017-12-31 (YTD Data)Rank
Total interest income$54,538,000526
Total interest expense$5,266,000647
Net interest income$49,272,000516
Provision for loan and lease losses$04,227
Total noninterest income$14,053,000541
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$1,455,000839
Trading account gains and fees$0151
Additional Noninterest Income$12,598,000434
Total noninterest expense$35,004,000632
Salaries and employee benefits$22,710,000528
Premises and equipment expense$3,686,000684
Additional noninterest expense$8,608,000782
Pre-tax net operating income$28,321,000412
Securities gains (losses)$1,0002,108
Applicable income taxes$04,135
Income before extraordinary items$28,322,000311
Extraordinary gains, net$09
Net income$28,322,000311
Minority interest net income$076
Net income of bank and minority interests.$28,322,000311
Net charge-offs$-1,555,0005,636
Cash dividends$15,396,000279
Sale, conversion, retirement of capital stock, net$0711
Net operating income$28,321,000313
2017-09-30 (YTD Data)Rank
Total interest income$40,595,000530
Total interest expense$3,751,000659
Net interest income$36,844,000518
Provision for loan and lease losses$04,088
Total noninterest income$10,470,000553
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$1,101,000836
Trading account gains and fees$0145
Additional Noninterest Income$9,369,000446
Total noninterest expense$25,804,000640
Salaries and employee benefits$16,874,000532
Premises and equipment expense$2,764,000690
Additional noninterest expense$6,166,000799
Pre-tax net operating income$21,510,000420
Securities gains (losses)$02,274
Applicable income taxes$04,172
Income before extraordinary items$21,510,000341
Extraordinary gains, net$09
Net income$21,510,000341
Minority interest net income$071
Net income of bank and minority interests.$21,510,000341
Net charge-offs$-1,692,0005,710
Cash dividends$14,635,000224
Sale, conversion, retirement of capital stock, net$0677
Net operating income$21,510,000337
2017-06-30 (YTD Data)Rank
Total interest income$26,491,000538
Total interest expense$2,362,000677
Net interest income$24,129,000521
Provision for loan and lease losses$03,871
Total noninterest income$6,709,000563
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$716,000847
Trading account gains and fees$0139
Additional Noninterest Income$5,993,000462
Total noninterest expense$16,869,000652
Salaries and employee benefits$10,993,000551
Premises and equipment expense$1,849,000681
Additional noninterest expense$4,027,000820
Pre-tax net operating income$13,969,000426
Securities gains (losses)$01,906
Applicable income taxes$04,189
Income before extraordinary items$13,969,000347
Extraordinary gains, net$011
Net income$13,969,000347
Minority interest net income$071
Net income of bank and minority interests.$13,969,000347
Net charge-offs$-495,0005,720
Cash dividends$8,757,000231
Sale, conversion, retirement of capital stock, net$0659
Net operating income$13,969,000345
2017-03-31 (YTD Data)Rank
Total interest income$12,775,000556
Total interest expense$1,155,000677
Net interest income$11,620,000537
Provision for loan and lease losses$100,0001,432
Total noninterest income$3,560,000536
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$338,000902
Trading account gains and fees$0142
Additional Noninterest Income$3,222,000425
Total noninterest expense$8,797,000631
Salaries and employee benefits$5,820,000526
Premises and equipment expense$953,000664
Additional noninterest expense$2,024,000807
Pre-tax net operating income$6,283,000449
Securities gains (losses)$01,153
Applicable income taxes$04,086
Income before extraordinary items$6,283,000381
Extraordinary gains, net$08
Net income$6,283,000380
Minority interest net income$055
Net income of bank and minority interests.$6,283,000381
Net charge-offs$86,0001,009
Cash dividends$8,757,000132
Sale, conversion, retirement of capital stock, net$0632
Net operating income$6,283,000377
2016-12-31 (YTD Data)Rank
Total interest income$51,686,000521
Total interest expense$4,053,000729
Net interest income$47,633,000502
Provision for loan and lease losses$325,0001,915
Total noninterest income$12,806,000584
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$1,375,000913
Trading account gains and fees$0170
Additional Noninterest Income$11,431,000467
Total noninterest expense$33,801,000643
Salaries and employee benefits$22,034,000537
Premises and equipment expense$3,663,000684
Additional noninterest expense$8,104,000825
Pre-tax net operating income$26,313,000410
Securities gains (losses)$1,0003,113
Applicable income taxes$04,278
Income before extraordinary items$26,314,000327
Extraordinary gains, net$05
Net income$26,314,000326
Minority interest net income$082
Net income of bank and minority interests.$26,314,000326
Net charge-offs$-452,0005,783
Cash dividends$16,151,000249
Sale, conversion, retirement of capital stock, net$0759
Net operating income$26,313,000324
2016-09-30 (YTD Data)Rank
Total interest income$38,901,000515
Total interest expense$2,908,000760
Net interest income$35,993,000494
Provision for loan and lease losses$225,0001,908
Total noninterest income$9,195,000597
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$1,030,000910
Trading account gains and fees$0169
Additional Noninterest Income$8,165,000485
Total noninterest expense$25,558,000634
Salaries and employee benefits$16,713,000532
Premises and equipment expense$2,802,000665
Additional noninterest expense$6,043,000828
Pre-tax net operating income$19,405,000418
Securities gains (losses)$1,0003,060
Applicable income taxes$04,325
Income before extraordinary items$19,406,000327
Extraordinary gains, net$05
Net income$19,406,000327
Minority interest net income$071
Net income of bank and minority interests.$19,406,000327
Net charge-offs$-522,0005,866
Cash dividends$15,551,000200
Sale, conversion, retirement of capital stock, net$0719
Net operating income$19,405,000322
2016-06-30 (YTD Data)Rank
Total interest income$25,858,000515
Total interest expense$1,841,000792
Net interest income$24,017,000494
Provision for loan and lease losses$225,0001,514
Total noninterest income$6,109,000593
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$664,000929
Trading account gains and fees$0157
Additional Noninterest Income$5,445,000472
Total noninterest expense$16,757,000643
Salaries and employee benefits$10,912,000540
Premises and equipment expense$1,870,000662
Additional noninterest expense$3,975,000832
Pre-tax net operating income$13,144,000411
Securities gains (losses)$02,835
Applicable income taxes$04,338
Income before extraordinary items$13,144,000320
Extraordinary gains, net$016
Net income$13,144,000319
Minority interest net income$071
Net income of bank and minority interests.$13,144,000319
Net charge-offs$-193,0005,850
Cash dividends$6,400,000300
Sale, conversion, retirement of capital stock, net$0705
Net operating income$13,144,000317
2016-03-31 (YTD Data)Rank
Total interest income$12,423,000539
Total interest expense$891,000817
Net interest income$11,532,000517
Provision for loan and lease losses$03,656
Total noninterest income$3,306,000539
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$323,000949
Trading account gains and fees$0142
Additional Noninterest Income$2,983,000422
Total noninterest expense$7,922,000682
Salaries and employee benefits$5,121,000577
Premises and equipment expense$850,000744
Additional noninterest expense$1,951,000835
Pre-tax net operating income$6,916,000381
Securities gains (losses)$02,077
Applicable income taxes$04,259
Income before extraordinary items$6,916,000301
Extraordinary gains, net$012
Net income$6,916,000301
Minority interest net income$062
Net income of bank and minority interests.$6,916,000301
Net charge-offs$-139,0005,933
Cash dividends$6,400,000177
Sale, conversion, retirement of capital stock, net$0659
Net operating income$6,916,000298
2015-12-31 (YTD Data)Rank
Total interest income$44,385,000570
Total interest expense$3,028,000920
Net interest income$41,357,000553
Provision for loan and lease losses$-2,000,0006,104
Total noninterest income$9,905,000685
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$1,178,0001,060
Trading account gains and fees$0159
Additional Noninterest Income$8,727,000549
Total noninterest expense$28,089,000734
Salaries and employee benefits$18,017,000634
Premises and equipment expense$2,948,000841
Additional noninterest expense$7,124,000918
Pre-tax net operating income$25,173,000397
Securities gains (losses)$119,0001,067
Applicable income taxes$04,402
Income before extraordinary items$25,292,000317
Extraordinary gains, net$023
Net income$25,292,000317
Minority interest net income$081
Net income of bank and minority interests.$25,292,000317
Net charge-offs$-924,0006,089
Cash dividends$27,996,000177
Sale, conversion, retirement of capital stock, net$0804
Net operating income$25,173,000315
2015-09-30 (YTD Data)Rank
Total interest income$30,748,000629
Total interest expense$2,087,0001,021
Net interest income$28,661,000605
Provision for loan and lease losses$-2,000,0006,216
Total noninterest income$6,403,000768
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$804,0001,160
Trading account gains and fees$0153
Additional Noninterest Income$5,599,000622
Total noninterest expense$18,343,000857
Salaries and employee benefits$11,732,000744
Premises and equipment expense$2,017,000917
Additional noninterest expense$4,594,0001,067
Pre-tax net operating income$18,721,000411
Securities gains (losses)$28,0001,833
Applicable income taxes$04,489
Income before extraordinary items$18,749,000325
Extraordinary gains, net$021
Net income$18,749,000324
Minority interest net income$078
Net income of bank and minority interests.$18,749,000324
Net charge-offs$-1,456,0006,224
Cash dividends$27,996,000143
Sale, conversion, retirement of capital stock, net$0773
Net operating income$18,721,000323
2015-06-30 (YTD Data)Rank
Total interest income$20,154,000639
Total interest expense$1,391,0001,026
Net interest income$18,763,000610
Provision for loan and lease losses$-2,000,0006,303
Total noninterest income$4,478,000750
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$524,0001,161
Trading account gains and fees$0157
Additional Noninterest Income$3,954,000605
Total noninterest expense$12,231,000860
Salaries and employee benefits$7,819,000752
Premises and equipment expense$1,331,000928
Additional noninterest expense$3,081,0001,066
Pre-tax net operating income$13,010,000395
Securities gains (losses)$11,0001,976
Applicable income taxes$04,497
Income before extraordinary items$13,021,000321
Extraordinary gains, net$022
Net income$13,021,000321
Minority interest net income$075
Net income of bank and minority interests.$13,021,000321
Net charge-offs$-1,536,0006,311
Cash dividends$9,248,000228
Sale, conversion, retirement of capital stock, net$0751
Net operating income$13,010,000314
2015-03-31 (YTD Data)Rank
Total interest income$9,733,000656
Total interest expense$696,0001,033
Net interest income$9,037,000628
Provision for loan and lease losses$03,703
Total noninterest income$2,528,000657
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$280,0001,078
Trading account gains and fees$0152
Additional Noninterest Income$2,248,000525
Total noninterest expense$5,871,000894
Salaries and employee benefits$3,660,000805
Premises and equipment expense$680,000919
Additional noninterest expense$1,531,0001,055
Pre-tax net operating income$5,694,000436
Securities gains (losses)$02,027
Applicable income taxes$04,400
Income before extraordinary items$5,694,000342
Extraordinary gains, net$013
Net income$5,694,000342
Minority interest net income$064
Net income of bank and minority interests.$5,694,000342
Net charge-offs$-1,585,0006,397
Cash dividends$9,248,000139
Sale, conversion, retirement of capital stock, net$0697
Net operating income$5,694,000336
2014-12-31 (YTD Data)Rank
Total interest income$38,225,000656
Total interest expense$2,753,0001,080
Net interest income$35,472,000620
Provision for loan and lease losses$04,603
Total noninterest income$9,089,000692
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$964,0001,335
Trading account gains and fees$0180
Additional Noninterest Income$8,125,000532
Total noninterest expense$22,800,000884
Salaries and employee benefits$14,165,000783
Premises and equipment expense$2,297,0001,048
Additional noninterest expense$6,338,0001,042
Pre-tax net operating income$21,761,000429
Securities gains (losses)$8,0002,740
Applicable income taxes$04,531
Income before extraordinary items$21,769,000343
Extraordinary gains, net$017
Net income$21,769,000343
Minority interest net income$084
Net income of bank and minority interests.$21,769,000343
Net charge-offs$-2,577,0006,493
Cash dividends$10,280,000327
Sale, conversion, retirement of capital stock, net$0862
Net operating income$21,761,000337
2014-09-30 (YTD Data)Rank
Total interest income$28,149,000666
Total interest expense$2,058,0001,094
Net interest income$26,091,000627
Provision for loan and lease losses$04,401
Total noninterest income$6,993,000672
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$759,0001,284
Trading account gains and fees$0174
Additional Noninterest Income$6,234,000517
Total noninterest expense$16,224,000929
Salaries and employee benefits$9,896,000827
Premises and equipment expense$1,819,0001,002
Additional noninterest expense$4,509,0001,099
Pre-tax net operating income$16,860,000416
Securities gains (losses)$8,0002,425
Applicable income taxes$04,583
Income before extraordinary items$16,868,000330
Extraordinary gains, net$015
Net income$16,868,000329
Minority interest net income$081
Net income of bank and minority interests.$16,868,000330
Net charge-offs$-2,124,0006,571
Cash dividends$8,030,000302
Sale, conversion, retirement of capital stock, net$0819
Net operating income$16,860,000325
2014-06-30 (YTD Data)Rank
Total interest income$18,212,000687
Total interest expense$1,387,0001,087
Net interest income$16,825,000652
Provision for loan and lease losses$04,196
Total noninterest income$3,797,000785
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$518,0001,238
Trading account gains and fees$0172
Additional Noninterest Income$3,279,000615
Total noninterest expense$10,311,000970
Salaries and employee benefits$6,298,000868
Premises and equipment expense$1,164,0001,044
Additional noninterest expense$2,849,0001,142
Pre-tax net operating income$10,311,000443
Securities gains (losses)$-1,0006,043
Applicable income taxes$04,568
Income before extraordinary items$10,310,000355
Extraordinary gains, net$020
Net income$10,310,000355
Minority interest net income$080
Net income of bank and minority interests.$10,310,000355
Net charge-offs$-2,024,0006,646
Cash dividends$8,030,000216
Sale, conversion, retirement of capital stock, net$0794
Net operating income$10,311,000346
2014-03-31 (YTD Data)Rank
Total interest income$7,086,000884
Total interest expense$575,0001,305
Net interest income$6,511,000841
Provision for loan and lease losses$03,817
Total noninterest income$1,425,000953
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$236,0001,336
Trading account gains and fees$0147
Additional Noninterest Income$1,189,000734
Total noninterest expense$4,107,0001,233
Salaries and employee benefits$2,515,0001,101
Premises and equipment expense$497,0001,242
Additional noninterest expense$1,095,0001,437
Pre-tax net operating income$3,829,000541
Securities gains (losses)$01,715
Applicable income taxes$04,445
Income before extraordinary items$3,829,000437
Extraordinary gains, net$016
Net income$3,829,000436
Minority interest net income$066
Net income of bank and minority interests.$3,829,000437
Net charge-offs$-1,285,0006,712
Cash dividends$8,030,000123
Sale, conversion, retirement of capital stock, net$0747
Net operating income$3,829,000420
2013-12-31 (YTD Data)Rank
Total interest income$29,958,000834
Total interest expense$2,718,0001,245
Net interest income$27,240,000783
Provision for loan and lease losses$-3,000,0006,742
Total noninterest income$5,127,0001,113
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$773,0001,696
Trading account gains and fees$0184
Additional Noninterest Income$4,354,000894
Total noninterest expense$17,074,0001,192
Salaries and employee benefits$10,369,0001,045
Premises and equipment expense$1,742,0001,369
Additional noninterest expense$4,963,0001,354
Pre-tax net operating income$18,293,000468
Securities gains (losses)$111,0001,244
Applicable income taxes$75,0003,571
Income before extraordinary items$18,329,000391
Extraordinary gains, net$029
Net income$18,329,000390
Minority interest net income$090
Net income of bank and minority interests.$18,329,000391
Net charge-offs$-4,479,0006,808
Cash dividends$23,826,000179
Sale, conversion, retirement of capital stock, net$0924
Net operating income$18,218,000383
2013-09-30 (YTD Data)Rank
Total interest income$22,372,000842
Total interest expense$2,105,0001,249
Net interest income$20,267,000796
Provision for loan and lease losses$04,941
Total noninterest income$3,667,0001,173
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$580,0001,692
Trading account gains and fees$0180
Additional Noninterest Income$3,087,000951
Total noninterest expense$12,364,0001,231
Salaries and employee benefits$7,543,0001,083
Premises and equipment expense$1,301,0001,384
Additional noninterest expense$3,520,0001,417
Pre-tax net operating income$11,570,000533
Securities gains (losses)$112,0001,150
Applicable income taxes$75,0003,487
Income before extraordinary items$11,607,000450
Extraordinary gains, net$025
Net income$11,607,000449
Minority interest net income$084
Net income of bank and minority interests.$11,607,000451
Net charge-offs$-3,707,0006,885
Cash dividends$6,821,000335
Sale, conversion, retirement of capital stock, net$0868
Net operating income$11,496,120444
2013-06-30 (YTD Data)Rank
Total interest income$14,639,000852
Total interest expense$1,462,0001,223
Net interest income$13,177,000801
Provision for loan and lease losses$04,788
Total noninterest income$2,385,0001,201
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$384,0001,674
Trading account gains and fees$0157
Additional Noninterest Income$2,001,000987
Total noninterest expense$8,183,0001,237
Salaries and employee benefits$5,078,0001,062
Premises and equipment expense$863,0001,395
Additional noninterest expense$2,242,0001,455
Pre-tax net operating income$7,379,000552
Securities gains (losses)$112,0001,044
Applicable income taxes$75,0003,208
Income before extraordinary items$7,416,000459
Extraordinary gains, net$022
Net income$7,416,000459
Minority interest net income$082
Net income of bank and minority interests.$7,416,000461
Net charge-offs$-1,097,0006,921
Cash dividends$6,821,000232
Sale, conversion, retirement of capital stock, net$0838
Net operating income$7,305,120447
2013-03-31 (YTD Data)Rank
Total interest income$7,125,000876
Total interest expense$763,0001,212
Net interest income$6,362,000832
Provision for loan and lease losses$04,409
Total noninterest income$1,279,0001,133
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$225,0001,457
Trading account gains and fees$0148
Additional Noninterest Income$1,054,000958
Total noninterest expense$3,802,0001,326
Salaries and employee benefits$2,315,0001,185
Premises and equipment expense$407,0001,495
Additional noninterest expense$1,080,0001,504
Pre-tax net operating income$3,839,000540
Securities gains (losses)$01,966
Applicable income taxes$230,0001,576
Income before extraordinary items$3,609,000464
Extraordinary gains, net$010
Net income$3,609,000463
Minority interest net income$076
Net income of bank and minority interests.$3,609,000465
Net charge-offs$-649,0006,991
Cash dividends$6,821,000118
Sale, conversion, retirement of capital stock, net$0789
Net operating income$3,609,000447
2012-12-31 (YTD Data)Rank
Total interest income$28,755,000909
Total interest expense$3,834,0001,166
Net interest income$24,921,000860
Provision for loan and lease losses$05,905
Total noninterest income$5,921,0001,015
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$743,0001,795
Trading account gains and fees$0166
Additional Noninterest Income$5,178,000791
Total noninterest expense$15,541,0001,287
Salaries and employee benefits$9,561,0001,101
Premises and equipment expense$1,580,0001,508
Additional noninterest expense$4,400,0001,528
Pre-tax net operating income$15,301,000519
Securities gains (losses)$1,0003,729
Applicable income taxes$896,0001,577
Income before extraordinary items$14,406,000462
Extraordinary gains, net$029
Net income$14,406,000460
Minority interest net income$093
Net income of bank and minority interests.$14,406,000461
Net charge-offs$-922,0007,066
Cash dividends$5,668,000512
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$14,405,060452
2012-09-30 (YTD Data)Rank
Total interest income$21,502,000930
Total interest expense$3,040,0001,161
Net interest income$18,462,000884
Provision for loan and lease losses$05,790
Total noninterest income$4,606,000994
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$569,0001,793
Trading account gains and fees$0157
Additional Noninterest Income$4,037,000754
Total noninterest expense$10,849,0001,373
Salaries and employee benefits$6,679,0001,176
Premises and equipment expense$1,203,0001,493
Additional noninterest expense$2,967,0001,693
Pre-tax net operating income$12,219,000505
Securities gains (losses)$2,0003,410
Applicable income taxes$712,0001,557
Income before extraordinary items$11,509,000449
Extraordinary gains, net$020
Net income$11,509,000448
Minority interest net income$086
Net income of bank and minority interests.$11,509,000448
Net charge-offs$-307,0007,121
Cash dividends$4,168,000418
Sale, conversion, retirement of capital stock, net$0952
Net operating income$11,507,120435
2012-06-30 (YTD Data)Rank
Total interest income$14,247,000951
Total interest expense$2,203,0001,111
Net interest income$12,044,000912
Provision for loan and lease losses$05,619
Total noninterest income$3,310,000908
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$369,0001,832
Trading account gains and fees$0153
Additional Noninterest Income$2,941,000703
Total noninterest expense$7,155,0001,381
Salaries and employee benefits$4,479,0001,167
Premises and equipment expense$799,0001,487
Additional noninterest expense$1,877,0001,777
Pre-tax net operating income$8,199,000491
Securities gains (losses)$2,0003,012
Applicable income taxes$470,0001,547
Income before extraordinary items$7,731,000422
Extraordinary gains, net$019
Net income$7,731,000421
Minority interest net income$084
Net income of bank and minority interests.$7,731,000421
Net charge-offs$-500,0007,219
Cash dividends$4,068,000300
Sale, conversion, retirement of capital stock, net$0928
Net operating income$7,729,120409
2012-03-31 (YTD Data)Rank
Total interest income$7,159,000949
Total interest expense$1,251,0001,017
Net interest income$5,908,000928
Provision for loan and lease losses$05,254
Total noninterest income$1,993,000782
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$198,0001,711
Trading account gains and fees$0148
Additional Noninterest Income$1,795,000597
Total noninterest expense$3,414,0001,437
Salaries and employee benefits$2,080,0001,255
Premises and equipment expense$393,0001,519
Additional noninterest expense$941,0001,769
Pre-tax net operating income$4,487,000455
Securities gains (losses)$02,210
Applicable income taxes$247,0001,500
Income before extraordinary items$4,240,000393
Extraordinary gains, net$019
Net income$4,240,000394
Minority interest net income$078
Net income of bank and minority interests.$4,240,000394
Net charge-offs$-456,0007,281
Cash dividends$4,068,000153
Sale, conversion, retirement of capital stock, net$0861
Net operating income$4,240,000375
2011-12-31 (YTD Data)Rank
Total interest income$29,012,000960
Total interest expense$6,686,000906
Net interest income$22,326,000982
Provision for loan and lease losses$3,950,000959
Total noninterest income$4,967,0001,054
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$642,0002,129
Trading account gains and fees$0146
Additional Noninterest Income$4,325,000790
Total noninterest expense$14,796,0001,323
Salaries and employee benefits$8,608,0001,152
Premises and equipment expense$1,624,0001,521
Additional noninterest expense$4,564,0001,506
Pre-tax net operating income$8,547,000723
Securities gains (losses)$14,0003,210
Applicable income taxes$432,0002,171
Income before extraordinary items$8,129,000631
Extraordinary gains, net$029
Net income$8,129,000630
Minority interest net income$096
Net income of bank and minority interests.$8,129,000631
Net charge-offs$4,052,000958
Cash dividends$525,0002,371
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$8,115,700609
2011-09-30 (YTD Data)Rank
Total interest income$21,642,000976
Total interest expense$5,241,000903
Net interest income$16,401,0001,013
Provision for loan and lease losses$3,950,000750
Total noninterest income$3,767,0001,046
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$490,0002,115
Trading account gains and fees$0145
Additional Noninterest Income$3,277,000778
Total noninterest expense$10,635,0001,379
Salaries and employee benefits$6,245,0001,194
Premises and equipment expense$1,240,0001,518
Additional noninterest expense$3,150,0001,619
Pre-tax net operating income$5,583,000830
Securities gains (losses)$12,0002,990
Applicable income taxes$252,0002,442
Income before extraordinary items$5,343,000735
Extraordinary gains, net$021
Net income$5,343,000734
Minority interest net income$087
Net income of bank and minority interests.$5,343,000735
Net charge-offs$2,882,000977
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$5,331,600699
2011-06-30 (YTD Data)Rank
Total interest income$14,041,0001,015
Total interest expense$3,637,000897
Net interest income$10,404,0001,077
Provision for loan and lease losses$3,000,000678
Total noninterest income$2,399,0001,075
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$346,0001,995
Trading account gains and fees$0153
Additional Noninterest Income$2,053,000820
Total noninterest expense$6,892,0001,432
Salaries and employee benefits$3,980,0001,252
Premises and equipment expense$849,0001,489
Additional noninterest expense$2,063,0001,671
Pre-tax net operating income$2,911,0001,035
Securities gains (losses)$12,0002,290
Applicable income taxes$139,0002,584
Income before extraordinary items$2,784,000886
Extraordinary gains, net$015
Net income$2,784,000886
Minority interest net income$089
Net income of bank and minority interests.$2,784,000886
Net charge-offs$904,0001,558
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$2,772,600862
2011-03-31 (YTD Data)Rank
Total interest income$6,992,0001,035
Total interest expense$1,924,000881
Net interest income$5,068,0001,092
Provision for loan and lease losses$2,250,000464
Total noninterest income$1,211,0001,063
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$196,0001,775
Trading account gains and fees$0158
Additional Noninterest Income$1,015,000817
Total noninterest expense$3,349,0001,479
Salaries and employee benefits$1,983,0001,266
Premises and equipment expense$436,0001,478
Additional noninterest expense$930,0001,820
Pre-tax net operating income$680,0002,013
Securities gains (losses)$01,772
Applicable income taxes$-12,0007,028
Income before extraordinary items$692,0001,695
Extraordinary gains, net$09
Net income$692,0001,695
Minority interest net income$086
Net income of bank and minority interests.$692,0001,695
Net charge-offs$1,055,000831
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$692,0001,644
2010-12-31 (YTD Data)Rank
Total interest income$29,771,0001,031
Total interest expense$8,972,000926
Net interest income$20,799,0001,070
Provision for loan and lease losses$6,975,000878
Total noninterest income$4,847,0001,117
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$700,0002,040
Trading account gains and fees$0175
Additional Noninterest Income$4,147,000850
Total noninterest expense$14,036,0001,418
Salaries and employee benefits$8,085,0001,217
Premises and equipment expense$1,470,0001,742
Additional noninterest expense$4,481,0001,606
Pre-tax net operating income$4,635,0001,100
Securities gains (losses)$17,0003,166
Applicable income taxes$371,0002,168
Income before extraordinary items$4,281,0001,012
Extraordinary gains, net$029
Net income$4,281,0001,014
Minority interest net income$0111
Net income of bank and minority interests.$4,281,0001,015
Net charge-offs$7,818,000730
Cash dividends$1,100,0001,370
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$4,265,360977
2010-09-30 (YTD Data)Rank
Total interest income$22,322,0001,046
Total interest expense$6,874,000941
Net interest income$15,448,0001,085
Provision for loan and lease losses$4,875,000893
Total noninterest income$3,645,0001,089
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$534,0002,077
Trading account gains and fees$0165
Additional Noninterest Income$3,111,000806
Total noninterest expense$10,308,0001,443
Salaries and employee benefits$5,958,0001,238
Premises and equipment expense$1,092,0001,776
Additional noninterest expense$3,258,0001,633
Pre-tax net operating income$3,910,0001,047
Securities gains (losses)$13,0003,034
Applicable income taxes$341,0002,024
Income before extraordinary items$3,582,000970
Extraordinary gains, net$023
Net income$3,582,000973
Minority interest net income$0110
Net income of bank and minority interests.$3,582,000973
Net charge-offs$2,380,0001,356
Cash dividends$600,0001,540
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$3,570,170926
2010-06-30 (YTD Data)Rank
Total interest income$14,575,0001,089
Total interest expense$4,681,000957
Net interest income$9,894,0001,142
Provision for loan and lease losses$3,825,000788
Total noninterest income$2,450,0001,061
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$378,0001,979
Trading account gains and fees$0152
Additional Noninterest Income$2,072,000785
Total noninterest expense$6,832,0001,444
Salaries and employee benefits$4,005,0001,221
Premises and equipment expense$727,0001,802
Additional noninterest expense$2,100,0001,680
Pre-tax net operating income$1,687,0001,537
Securities gains (losses)$13,0002,514
Applicable income taxes$191,0002,173
Income before extraordinary items$1,509,0001,462
Extraordinary gains, net$019
Net income$1,509,0001,462
Minority interest net income$0105
Net income of bank and minority interests.$1,509,0001,463
Net charge-offs$2,255,0001,041
Cash dividends$600,0001,128
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,497,4301,408
2010-03-31 (YTD Data)Rank
Total interest income$7,302,0001,107
Total interest expense$2,456,000953
Net interest income$4,846,0001,173
Provision for loan and lease losses$325,0002,296
Total noninterest income$1,307,000979
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$223,0001,714
Trading account gains and fees$0175
Additional Noninterest Income$1,084,000741
Total noninterest expense$3,457,0001,451
Salaries and employee benefits$2,033,0001,218
Premises and equipment expense$400,0001,698
Additional noninterest expense$1,024,0001,714
Pre-tax net operating income$2,371,000573
Securities gains (losses)$02,284
Applicable income taxes$101,0002,110
Income before extraordinary items$2,270,000475
Extraordinary gains, net$016
Net income$2,270,000476
Minority interest net income$091
Net income of bank and minority interests.$2,270,000477
Net charge-offs$61,0003,562
Cash dividends$600,000554
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$2,270,000467
2009-12-31 (YTD Data)Rank
Total interest income$30,166,0001,134
Total interest expense$12,268,000966
Net interest income$17,898,0001,253
Provision for loan and lease losses$17,011,000553
Total noninterest income$5,254,0001,048
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$886,0001,875
Trading account gains and fees$0211
Additional Noninterest Income$4,368,000793
Total noninterest expense$13,331,0001,554
Salaries and employee benefits$7,587,0001,303
Premises and equipment expense$1,710,0001,569
Additional noninterest expense$4,034,0001,841
Pre-tax net operating income$-7,190,0007,362
Securities gains (losses)$6,0003,400
Applicable income taxes$-488,0007,020
Income before extraordinary items$-6,696,0007,410
Extraordinary gains, net$034
Net income$-6,696,0007,409
Minority interest net income$0115
Net income of bank and minority interests.$-6,696,0007,409
Net charge-offs$15,874,000479
Cash dividends$2,948,000603
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$-6,701,5807,422
2009-09-30 (YTD Data)Rank
Total interest income$22,660,0001,155
Total interest expense$9,459,000987
Net interest income$13,201,0001,270
Provision for loan and lease losses$2,180,0001,804
Total noninterest income$4,306,000988
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$690,0001,818
Trading account gains and fees$0212
Additional Noninterest Income$3,616,000746
Total noninterest expense$10,057,0001,526
Salaries and employee benefits$5,921,0001,264
Premises and equipment expense$1,306,0001,571
Additional noninterest expense$2,830,0001,877
Pre-tax net operating income$5,270,000646
Securities gains (losses)$6,0003,115
Applicable income taxes$356,0001,750
Income before extraordinary items$4,920,000548
Extraordinary gains, net$027
Net income$4,920,000550
Minority interest net income$0118
Net income of bank and minority interests.$4,920,000550
Net charge-offs$-6,0007,826
Cash dividends$2,948,000425
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$4,914,420539
2009-06-30 (YTD Data)Rank
Total interest income$15,249,0001,171
Total interest expense$6,463,0001,024
Net interest income$8,786,0001,269
Provision for loan and lease losses$2,180,0001,330
Total noninterest income$2,565,0001,086
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$472,0001,753
Trading account gains and fees$0193
Additional Noninterest Income$2,093,000854
Total noninterest expense$6,621,0001,577
Salaries and employee benefits$3,936,0001,302
Premises and equipment expense$873,0001,593
Additional noninterest expense$1,812,0001,971
Pre-tax net operating income$2,550,000897
Securities gains (losses)$-1,0007,343
Applicable income taxes$307,0001,505
Income before extraordinary items$2,242,000836
Extraordinary gains, net$021
Net income$2,242,000836
Minority interest net income$0112
Net income of bank and minority interests.$2,242,000836
Net charge-offs$-46,0008,089
Cash dividends$2,923,000308
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$2,242,880807
2009-03-31 (YTD Data)Rank
Total interest income$7,586,0001,189
Total interest expense$3,358,0001,022
Net interest income$4,228,0001,310
Provision for loan and lease losses$145,0003,383
Total noninterest income$1,324,0001,026
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$221,0001,808
Trading account gains and fees$0171
Additional Noninterest Income$1,103,000782
Total noninterest expense$3,260,0001,542
Salaries and employee benefits$1,977,0001,307
Premises and equipment expense$447,0001,590
Additional noninterest expense$836,0001,916
Pre-tax net operating income$2,147,000565
Securities gains (losses)$-1,0007,699
Applicable income taxes$145,0001,774
Income before extraordinary items$2,001,000498
Extraordinary gains, net$015
Net income$2,001,000499
Minority interest net income$0102
Net income of bank and minority interests.$2,001,000501
Net charge-offs$-235,0008,228
Cash dividends$2,898,000156
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$2,001,930460
2008-12-31 (YTD Data)Rank
Total interest income$30,698,0001,250
Total interest expense$15,440,0001,042
Net interest income$15,258,0001,468
Provision for loan and lease losses$1,488,0002,174
Total noninterest income$6,706,000831
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$983,0001,786
Trading account gains and fees$0154
Additional Noninterest Income$5,723,000578
Total noninterest expense$12,916,0001,513
Salaries and employee benefits$7,934,0001,270
Premises and equipment expense$1,850,0001,494
Additional noninterest expense$3,132,0001,936
Pre-tax net operating income$7,560,000738
Securities gains (losses)$-96,0007,240
Applicable income taxes$511,0001,838
Income before extraordinary items$6,953,000568
Extraordinary gains, net$039
Net income$6,953,000568
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$914,0002,057
Cash dividends$3,708,000753
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$7,042,280596
2008-09-30 (YTD Data)Rank
Total interest income$22,851,0001,295
Total interest expense$11,628,0001,080
Net interest income$11,223,0001,510
Provision for loan and lease losses$742,0002,191
Total noninterest income$4,939,000884
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$781,0001,713
Trading account gains and fees$0148
Additional Noninterest Income$4,158,000635
Total noninterest expense$9,330,0001,560
Salaries and employee benefits$5,692,0001,367
Premises and equipment expense$1,361,0001,536
Additional noninterest expense$2,277,0001,917
Pre-tax net operating income$6,090,000833
Securities gains (losses)$-115,0007,544
Applicable income taxes$405,0002,147
Income before extraordinary items$5,570,000649
Extraordinary gains, net$031
Net income$5,570,000648
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$98,0003,991
Cash dividends$3,548,000624
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$5,676,950678
2008-06-30 (YTD Data)Rank
Total interest income$15,017,0001,328
Total interest expense$7,645,0001,142
Net interest income$7,372,0001,519
Provision for loan and lease losses$551,0001,798
Total noninterest income$3,625,000820
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$488,0001,793
Trading account gains and fees$0149
Additional Noninterest Income$3,137,000599
Total noninterest expense$6,245,0001,550
Salaries and employee benefits$3,777,0001,381
Premises and equipment expense$922,0001,508
Additional noninterest expense$1,546,0001,867
Pre-tax net operating income$4,201,000843
Securities gains (losses)$-138,0008,279
Applicable income taxes$274,0002,317
Income before extraordinary items$3,789,000726
Extraordinary gains, net$021
Net income$3,789,000725
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0004,728
Cash dividends$3,373,000504
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$3,917,340690
2008-03-31 (YTD Data)Rank
Total interest income$7,579,0001,359
Total interest expense$3,875,0001,203
Net interest income$3,704,0001,498
Provision for loan and lease losses$101,0002,687
Total noninterest income$1,400,0001,023
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$239,0001,787
Trading account gains and fees$0158
Additional Noninterest Income$1,161,000765
Total noninterest expense$3,034,0001,598
Salaries and employee benefits$1,862,0001,412
Premises and equipment expense$454,0001,540
Additional noninterest expense$718,0001,961
Pre-tax net operating income$1,969,000959
Securities gains (losses)$-5,0008,275
Applicable income taxes$133,0002,470
Income before extraordinary items$1,831,000819
Extraordinary gains, net$015
Net income$1,831,000820
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0004,488
Cash dividends$3,123,000279
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$1,835,650786
2007-12-31 (YTD Data)Rank
Total interest income$30,101,0001,430
Total interest expense$14,962,0001,334
Net interest income$15,139,0001,505
Provision for loan and lease losses$824,0001,644
Total noninterest income$4,059,0001,290
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$777,0002,193
Trading account gains and fees$0178
Additional Noninterest Income$3,282,000943
Total noninterest expense$11,105,0001,663
Salaries and employee benefits$6,830,0001,478
Premises and equipment expense$1,677,0001,591
Additional noninterest expense$2,598,0002,110
Pre-tax net operating income$7,269,0001,164
Securities gains (losses)$-20,0007,762
Applicable income taxes$493,0002,755
Income before extraordinary items$6,756,000967
Extraordinary gains, net$039
Net income$6,756,000965
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$167,0003,084
Cash dividends$3,600,0001,015
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$6,774,600952
2007-09-30 (YTD Data)Rank
Total interest income$21,891,0001,477
Total interest expense$10,903,0001,381
Net interest income$10,988,0001,561
Provision for loan and lease losses$663,0001,259
Total noninterest income$2,917,0001,328
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$582,0002,171
Trading account gains and fees$0184
Additional Noninterest Income$2,335,000987
Total noninterest expense$8,104,0001,699
Salaries and employee benefits$4,889,0001,548
Premises and equipment expense$1,267,0001,571
Additional noninterest expense$1,948,0002,064
Pre-tax net operating income$5,138,0001,330
Securities gains (losses)$-20,0007,962
Applicable income taxes$349,0002,983
Income before extraordinary items$4,769,0001,101
Extraordinary gains, net$033
Net income$4,769,0001,098
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$55,0003,530
Cash dividends$3,450,000779
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$4,787,6001,077
2007-06-30 (YTD Data)Rank
Total interest income$13,961,0001,563
Total interest expense$6,884,0001,449
Net interest income$7,077,0001,627
Provision for loan and lease losses$252,0001,778
Total noninterest income$1,811,0001,428
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$386,0002,187
Trading account gains and fees$0168
Additional Noninterest Income$1,425,0001,087
Total noninterest expense$5,301,0001,743
Salaries and employee benefits$3,186,0001,615
Premises and equipment expense$839,0001,601
Additional noninterest expense$1,276,0002,105
Pre-tax net operating income$3,335,0001,406
Securities gains (losses)$-10,0007,993
Applicable income taxes$228,0003,094
Income before extraordinary items$3,097,0001,155
Extraordinary gains, net$029
Net income$3,097,0001,154
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0003,342
Cash dividends$3,250,000604
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$3,106,3001,134
2007-03-31 (YTD Data)Rank
Total interest income$6,733,0001,614
Total interest expense$3,281,0001,516
Net interest income$3,452,0001,670
Provision for loan and lease losses$89,0002,252
Total noninterest income$836,0001,509
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$195,0002,093
Trading account gains and fees$0195
Additional Noninterest Income$641,0001,138
Total noninterest expense$2,645,0001,757
Salaries and employee benefits$1,576,0001,650
Premises and equipment expense$447,0001,498
Additional noninterest expense$622,0002,113
Pre-tax net operating income$1,554,0001,491
Securities gains (losses)$-10,0008,261
Applicable income taxes$107,0003,185
Income before extraordinary items$1,437,0001,230
Extraordinary gains, net$022
Net income$1,437,0001,229
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0002,733
Cash dividends$3,000,000330
Sale, conversion, retirement of capital stock, net$0885
Net operating income$1,446,3001,200
2006-12-31 (YTD Data)Rank
Total interest income$24,790,0001,630
Total interest expense$11,264,0001,491
Net interest income$13,526,0001,696
Provision for loan and lease losses$542,0001,779
Total noninterest income$3,713,0001,360
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$790,0002,130
Trading account gains and fees$0130
Additional Noninterest Income$2,923,0001,018
Total noninterest expense$9,805,0001,817
Salaries and employee benefits$5,991,0001,638
Premises and equipment expense$1,328,0001,889
Additional noninterest expense$2,486,0002,113
Pre-tax net operating income$6,892,0001,426
Securities gains (losses)$-5,0007,083
Applicable income taxes$483,0003,201
Income before extraordinary items$6,404,0001,149
Extraordinary gains, net$051
Net income$6,404,0001,150
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$504,0001,170
Cash dividends$3,075,0001,096
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$6,408,6501,137
2006-09-30 (YTD Data)Rank
Total interest income$18,032,0001,660
Total interest expense$7,978,0001,533
Net interest income$10,054,0001,729
Provision for loan and lease losses$461,0001,484
Total noninterest income$2,350,0001,570
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$598,0002,129
Trading account gains and fees$0126
Additional Noninterest Income$1,752,0001,216
Total noninterest expense$6,815,0001,937
Salaries and employee benefits$4,165,0001,763
Premises and equipment expense$924,0002,044
Additional noninterest expense$1,726,0002,250
Pre-tax net operating income$5,128,0001,478
Securities gains (losses)$-5,0007,392
Applicable income taxes$358,0003,337
Income before extraordinary items$4,765,0001,193
Extraordinary gains, net$045
Net income$4,765,0001,193
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$137,0001,930
Cash dividends$2,825,000873
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$4,769,6501,184
2006-06-30 (YTD Data)Rank
Total interest income$11,475,0001,704
Total interest expense$4,908,0001,591
Net interest income$6,567,0001,770
Provision for loan and lease losses$411,0001,149
Total noninterest income$1,562,0001,577
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$388,0002,154
Trading account gains and fees$0126
Additional Noninterest Income$1,174,0001,207
Total noninterest expense$4,608,0001,917
Salaries and employee benefits$2,833,0001,730
Premises and equipment expense$642,0001,968
Additional noninterest expense$1,133,0002,292
Pre-tax net operating income$3,110,0001,600
Securities gains (losses)$01,185
Applicable income taxes$217,0003,508
Income before extraordinary items$2,893,0001,299
Extraordinary gains, net$039
Net income$2,893,0001,300
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0001,697
Cash dividends$2,600,000648
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,893,0001,278
2006-03-31 (YTD Data)Rank
Total interest income$5,405,0001,779
Total interest expense$2,249,0001,638
Net interest income$3,156,0001,833
Provision for loan and lease losses$76,0002,386
Total noninterest income$766,0001,567
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$196,0002,079
Trading account gains and fees$0115
Additional Noninterest Income$570,0001,214
Total noninterest expense$2,335,0001,910
Salaries and employee benefits$1,430,0001,721
Premises and equipment expense$325,0001,950
Additional noninterest expense$580,0002,226
Pre-tax net operating income$1,511,0001,621
Securities gains (losses)$0955
Applicable income taxes$105,0003,523
Income before extraordinary items$1,406,0001,300
Extraordinary gains, net$021
Net income$1,406,0001,299
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$34,0001,837
Cash dividends$2,400,000375
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,406,0001,283
2005-12-31 (YTD Data)Rank
Total interest income$19,113,0001,761
Total interest expense$6,875,0001,660
Net interest income$12,238,0001,789
Provision for loan and lease losses$375,0002,387
Total noninterest income$2,940,0001,640
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$724,0002,284
Trading account gains and fees$0138
Additional Noninterest Income$2,216,0001,259
Total noninterest expense$8,519,0001,966
Salaries and employee benefits$5,151,0001,810
Premises and equipment expense$1,176,0002,030
Additional noninterest expense$2,192,0002,287
Pre-tax net operating income$6,284,0001,524
Securities gains (losses)$-13,0007,637
Applicable income taxes$425,0003,605
Income before extraordinary items$5,846,0001,233
Extraordinary gains, net$046
Net income$5,846,0001,233
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-95,0008,617
Cash dividends$4,675,000701
Sale, conversion, retirement of capital stock, net$0934
Net operating income$5,858,0901,208
2005-09-30 (YTD Data)Rank
Total interest income$13,842,0001,777
Total interest expense$4,757,0001,696
Net interest income$9,085,0001,801
Provision for loan and lease losses$300,0002,192
Total noninterest income$2,164,0001,669
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$540,0002,292
Trading account gains and fees$0126
Additional Noninterest Income$1,624,0001,278
Total noninterest expense$6,154,0002,018
Salaries and employee benefits$3,638,0001,893
Premises and equipment expense$874,0002,039
Additional noninterest expense$1,642,0002,247
Pre-tax net operating income$4,795,0001,493
Securities gains (losses)$-6,0007,744
Applicable income taxes$335,0003,606
Income before extraordinary items$4,454,0001,217
Extraordinary gains, net$035
Net income$4,454,0001,217
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-113,0008,661
Cash dividends$4,600,000518
Sale, conversion, retirement of capital stock, net$0769
Net operating income$4,459,5801,186
2005-06-30 (YTD Data)Rank
Total interest income$8,933,0001,779
Total interest expense$2,909,0001,736
Net interest income$6,024,0001,791
Provision for loan and lease losses$225,0001,956
Total noninterest income$1,420,0001,671
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$339,0002,377
Trading account gains and fees$0116
Additional Noninterest Income$1,081,0001,268
Total noninterest expense$4,036,0002,041
Salaries and employee benefits$2,402,0001,899
Premises and equipment expense$556,0002,122
Additional noninterest expense$1,078,0002,271
Pre-tax net operating income$3,183,0001,466
Securities gains (losses)$-6,0007,982
Applicable income taxes$222,0003,612
Income before extraordinary items$2,955,0001,190
Extraordinary gains, net$030
Net income$2,955,0001,191
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-92,0008,644
Cash dividends$2,100,000686
Sale, conversion, retirement of capital stock, net$0643
Net operating income$2,960,5801,163
2005-03-31 (YTD Data)Rank
Total interest income$4,219,0001,847
Total interest expense$1,319,0001,802
Net interest income$2,900,0001,847
Provision for loan and lease losses$75,0002,455
Total noninterest income$722,0001,606
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$167,0002,345
Trading account gains and fees$0115
Additional Noninterest Income$555,0001,230
Total noninterest expense$1,909,0002,165
Salaries and employee benefits$1,142,0002,001
Premises and equipment expense$265,0002,234
Additional noninterest expense$502,0002,429
Pre-tax net operating income$1,638,0001,395
Securities gains (losses)$-6,0008,424
Applicable income taxes$114,0003,555
Income before extraordinary items$1,518,0001,138
Extraordinary gains, net$024
Net income$1,518,0001,139
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-11,0008,027
Cash dividends$2,100,000338
Sale, conversion, retirement of capital stock, net$0491
Net operating income$1,523,5801,109
2004-12-31 (YTD Data)Rank
Total interest income$13,837,0002,051
Total interest expense$4,067,0002,013
Net interest income$9,770,0002,081
Provision for loan and lease losses$585,0001,707
Total noninterest income$2,616,0001,796
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$575,0002,803
Trading account gains and fees$0138
Additional Noninterest Income$2,041,0001,294
Total noninterest expense$7,445,0002,134
Salaries and employee benefits$4,352,0002,001
Premises and equipment expense$1,061,0002,156
Additional noninterest expense$2,032,0002,388
Pre-tax net operating income$4,356,0001,903
Securities gains (losses)$03,819
Applicable income taxes$292,0004,208
Income before extraordinary items$4,064,0001,587
Extraordinary gains, net$034
Net income$4,064,0001,588
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$137,0003,170
Cash dividends$1,742,0001,535
Sale, conversion, retirement of capital stock, net$0872
Net operating income$4,064,0001,547
2004-09-30 (YTD Data)Rank
Total interest income$9,855,0002,168
Total interest expense$2,839,0002,113
Net interest income$7,016,0002,159
Provision for loan and lease losses$425,0001,681
Total noninterest income$1,968,0001,806
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$413,0002,931
Trading account gains and fees$0134
Additional Noninterest Income$1,555,0001,297
Total noninterest expense$5,343,0002,216
Salaries and employee benefits$3,088,0002,111
Premises and equipment expense$823,0002,091
Additional noninterest expense$1,432,0002,490
Pre-tax net operating income$3,216,0001,954
Securities gains (losses)$10,0002,712
Applicable income taxes$226,0004,255
Income before extraordinary items$3,000,0001,625
Extraordinary gains, net$026
Net income$3,000,0001,626
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-48,0008,650
Cash dividends$1,607,0001,182
Sale, conversion, retirement of capital stock, net$0738
Net operating income$2,990,7001,576
2004-06-30 (YTD Data)Rank
Total interest income$6,278,0002,230
Total interest expense$1,764,0002,221
Net interest income$4,514,0002,213
Provision for loan and lease losses$200,0002,196
Total noninterest income$1,291,0001,807
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$258,0003,067
Trading account gains and fees$0130
Additional Noninterest Income$1,033,0001,290
Total noninterest expense$3,530,0002,237
Salaries and employee benefits$2,073,0002,109
Premises and equipment expense$549,0002,085
Additional noninterest expense$908,0002,604
Pre-tax net operating income$2,075,0001,982
Securities gains (losses)$03,413
Applicable income taxes$145,0004,308
Income before extraordinary items$1,930,0001,663
Extraordinary gains, net$021
Net income$1,930,0001,664
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$63,0002,756
Cash dividends$1,497,000912
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,930,0001,596
2004-03-31 (YTD Data)Rank
Total interest income$3,020,0002,331
Total interest expense$862,0002,286
Net interest income$2,158,0002,307
Provision for loan and lease losses$90,0002,254
Total noninterest income$618,0001,839
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$124,0003,080
Trading account gains and fees$0121
Additional Noninterest Income$494,0001,309
Total noninterest expense$1,737,0002,287
Salaries and employee benefits$1,008,0002,179
Premises and equipment expense$284,0002,038
Additional noninterest expense$445,0002,634
Pre-tax net operating income$949,0002,101
Securities gains (losses)$02,934
Applicable income taxes$66,0004,439
Income before extraordinary items$883,0001,770
Extraordinary gains, net$016
Net income$883,0001,770
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-41,0008,807
Cash dividends$1,387,000504
Sale, conversion, retirement of capital stock, net$0464
Net operating income$883,0001,689
2003-12-31 (YTD Data)Rank
Total interest income$11,467,0002,483
Total interest expense$3,513,0002,491
Net interest income$7,954,0002,442
Provision for loan and lease losses$280,0003,324
Total noninterest income$2,697,0001,835
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$543,0002,907
Trading account gains and fees$0160
Additional Noninterest Income$2,154,0001,394
Total noninterest expense$6,200,0002,523
Salaries and employee benefits$3,618,0002,345
Premises and equipment expense$792,0002,785
Additional noninterest expense$1,790,0002,653
Pre-tax net operating income$4,171,0001,912
Securities gains (losses)$04,500
Applicable income taxes$398,0003,788
Income before extraordinary items$3,773,0001,644
Extraordinary gains, net$054
Net income$3,773,0001,646
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$225,0002,688
Cash dividends$1,277,0001,968
Sale, conversion, retirement of capital stock, net$0868
Net operating income$3,773,0001,571
2003-09-30 (YTD Data)Rank
Total interest income$8,374,0002,589
Total interest expense$2,629,0002,580
Net interest income$5,745,0002,534
Provision for loan and lease losses$217,0003,209
Total noninterest income$1,978,0001,921
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$408,0002,917
Trading account gains and fees$0153
Additional Noninterest Income$1,570,0001,488
Total noninterest expense$4,397,0002,650
Salaries and employee benefits$2,592,0002,440
Premises and equipment expense$584,0002,844
Additional noninterest expense$1,221,0002,843
Pre-tax net operating income$3,109,0001,990
Securities gains (losses)$04,204
Applicable income taxes$378,0003,501
Income before extraordinary items$2,731,0001,762
Extraordinary gains, net$040
Net income$2,731,0001,763
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-32,0008,831
Cash dividends$1,277,0001,457
Sale, conversion, retirement of capital stock, net$0722
Net operating income$2,731,0001,671
2003-06-30 (YTD Data)Rank
Total interest income$5,427,0002,679
Total interest expense$1,727,0002,668
Net interest income$3,700,0002,628
Provision for loan and lease losses$125,0003,389
Total noninterest income$1,251,0001,988
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$265,0002,933
Trading account gains and fees$0150
Additional Noninterest Income$986,0001,531
Total noninterest expense$2,914,0002,674
Salaries and employee benefits$1,731,0002,431
Premises and equipment expense$378,0002,907
Additional noninterest expense$805,0002,855
Pre-tax net operating income$1,912,0002,123
Securities gains (losses)$03,782
Applicable income taxes$295,0003,276
Income before extraordinary items$1,617,0001,969
Extraordinary gains, net$030
Net income$1,617,0001,968
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-24,0008,807
Cash dividends$638,0001,817
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,617,0001,859
2003-03-31 (YTD Data)Rank
Total interest income$2,632,0002,771
Total interest expense$868,0002,726
Net interest income$1,764,0002,748
Provision for loan and lease losses$63,0003,194
Total noninterest income$601,0001,995
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$127,0002,959
Trading account gains and fees$0134
Additional Noninterest Income$474,0001,544
Total noninterest expense$1,428,0002,706
Salaries and employee benefits$844,0002,496
Premises and equipment expense$184,0002,956
Additional noninterest expense$400,0002,865
Pre-tax net operating income$874,0002,293
Securities gains (losses)$02,891
Applicable income taxes$225,0002,499
Income before extraordinary items$649,0002,355
Extraordinary gains, net$021
Net income$649,0002,353
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-32,0009,012
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$649,0002,226
2002-12-31 (YTD Data)Rank
Total interest income$11,284,0002,699
Total interest expense$4,002,0002,749
Net interest income$7,282,0002,619
Provision for loan and lease losses$750,0001,730
Total noninterest income$2,513,0001,793
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$515,0002,901
Trading account gains and fees$0153
Additional Noninterest Income$1,998,0001,308
Total noninterest expense$6,244,0002,379
Salaries and employee benefits$3,512,0002,277
Premises and equipment expense$940,0002,312
Additional noninterest expense$1,792,0002,552
Pre-tax net operating income$2,801,0002,628
Securities gains (losses)$73,0002,058
Applicable income taxes$1,032,0002,165
Income before extraordinary items$1,842,0002,971
Extraordinary gains, net$070
Net income$1,842,0002,970
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$494,0001,672
Cash dividends$1,770,0001,456
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,795,2802,950
2001-12-31 (YTD Data)Rank
Total interest income$12,669,0002,689
Total interest expense$6,302,0002,539
Net interest income$6,367,0002,792
Provision for loan and lease losses$249,0003,640
Total noninterest income$1,495,0002,515
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$247,0004,669
Trading account gains and fees$0177
Additional Noninterest Income$1,248,0001,744
Total noninterest expense$5,558,0002,542
Salaries and employee benefits$3,092,0002,431
Premises and equipment expense$768,0002,739
Additional noninterest expense$1,698,0002,597
Pre-tax net operating income$2,055,0003,120
Securities gains (losses)$14,0003,398
Applicable income taxes$448,0003,504
Income before extraordinary items$1,621,0003,044
Extraordinary gains, net$0105
Net income$1,621,0003,048
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,203,000818
Cash dividends$2,884,000967
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,610,0802,960
2000-12-31 (YTD Data)Rank
Total interest income$3,422,0006,990
Total interest expense$1,970,0006,316
Net interest income$1,452,0007,537
Provision for loan and lease losses$40,0006,852
Total noninterest income$774,0003,741
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$79,0007,016
Trading account gains and feesNANA
Additional Noninterest Income$695,0002,373
Total noninterest expense$1,499,0006,755
Salaries and employee benefits$925,0006,222
Premises and equipment expense$215,0006,536
Additional noninterest expense$359,0007,489
Pre-tax net operating income$687,0006,273
Securities gains (losses)$01,956
Applicable income taxes$232,0005,124
Income before extraordinary items$455,0006,568
Extraordinary gains, net$038
Net income$455,0006,566
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$44,0004,965
Cash dividends$261,0004,711
Sale, conversion, retirement of capital stock, net$0969
Net operating income$455,0006,582
1999-12-31 (YTD Data)Rank
Total interest income$3,232,0007,122
Total interest expense$1,772,0006,415
Net interest income$1,460,0007,662
Provision for loan and lease losses$65,0006,026
Total noninterest income$748,0003,794
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$91,0006,892
Trading account gains and feesNANA
Additional Noninterest Income$657,0002,475
Total noninterest expense$1,328,0007,223
Salaries and employee benefits$803,0006,739
Premises and equipment expense$192,0006,941
Additional noninterest expense$333,0007,849
Pre-tax net operating income$815,0005,869
Securities gains (losses)$03,155
Applicable income taxes$294,0004,860
Income before extraordinary items$521,0006,295
Extraordinary gains, net$035
Net income$521,0006,293
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0005,236
Cash dividends$40,0006,712
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$521,0006,277
1998-12-31 (YTD Data)Rank
Total interest income$3,042,0007,487
Total interest expense$1,701,0006,762
Net interest income$1,341,0008,016
Provision for loan and lease losses$164,0003,980
Total noninterest income$494,0004,970
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$53,0007,959
Trading account gains and feesNANA
Additional Noninterest Income$441,0003,231
Total noninterest expense$1,221,0007,487
Salaries and employee benefits$695,0007,212
Premises and equipment expense$184,0006,975
Additional noninterest expense$342,0007,729
Pre-tax net operating income$450,0007,629
Securities gains (losses)$04,449
Applicable income taxes$175,0006,496
Income before extraordinary items$275,0008,077
Extraordinary gains, net$032
Net income$275,0008,076
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0006,250
Cash dividends$140,0005,882
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$275,0007,999
1997-12-31 (YTD Data)Rank
Total interest income$2,755,0008,063
Total interest expense$1,477,0007,401
Net interest income$1,278,0008,513
Provision for loan and lease losses$153,0004,084
Total noninterest income$516,0004,908
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$66,0007,983
Trading account gains and feesNANA
Additional Noninterest Income$450,0003,041
Total noninterest expense$1,279,0007,411
Salaries and employee benefits$755,0006,995
Premises and equipment expense$179,0007,216
Additional noninterest expense$345,0007,854
Pre-tax net operating income$362,0008,658
Securities gains (losses)$03,944
Applicable income taxes$129,0007,928
Income before extraordinary items$233,0008,887
Extraordinary gains, net$044
Net income$233,0008,892
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0003,790
Cash dividends$125,0006,160
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$233,0008,856
1996-12-31 (YTD Data)Rank
Total interest income$2,162,0009,153
Total interest expense$1,144,0008,544
Net interest income$1,018,0009,508
Provision for loan and lease losses$71,0005,818
Total noninterest income$394,0005,993
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$73,0008,196
Trading account gains and feesNANA
Additional Noninterest Income$321,0003,918
Total noninterest expense$1,002,0008,658
Salaries and employee benefits$573,0008,301
Premises and equipment expense$148,0008,108
Additional noninterest expense$281,0009,071
Pre-tax net operating income$339,0008,870
Securities gains (losses)$04,148
Applicable income taxes$95,0008,825
Income before extraordinary items$244,0008,885
Extraordinary gains, net$053
Net income$244,0008,888
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$44,0005,548
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$100,000660
Net operating income$244,0008,826
1995-12-31 (YTD Data)Rank
Total interest income$1,562,00010,411
Total interest expense$944,0009,449
Net interest income$618,00011,078
Provision for loan and lease losses$43,0006,516
Total noninterest income$236,0007,897
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$32,0009,747
Trading account gains and feesNANA
Additional Noninterest Income$204,0005,077
Total noninterest expense$880,0009,429
Salaries and employee benefits$530,0008,854
Premises and equipment expense$98,0009,671
Additional noninterest expense$252,0009,795
Pre-tax net operating income$-69,00011,576
Securities gains (losses)$51,0001,292
Applicable income taxes$-16,00011,542
Income before extraordinary items$-2,00011,505
Extraordinary gains, net$065
Net income$-2,00011,502
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$70,0007,384
Sale, conversion, retirement of capital stock, net$200,000480
Net operating income$-34,64011,534
1994-12-31 (YTD Data)Rank
Total interest income$596,00012,319
Total interest expense$242,00012,231
Net interest income$354,00012,321
Provision for loan and lease losses$10,0008,460
Total noninterest income$45,00012,039
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$9,00010,745
Trading account gains and feesNANA
Additional Noninterest Income$36,00010,409
Total noninterest expense$297,00012,365
Salaries and employee benefits$162,00012,299
Premises and equipment expense$28,00012,262
Additional noninterest expense$107,00012,238
Pre-tax net operating income$92,00011,677
Securities gains (losses)$-18,00010,260
Applicable income taxes$3,00011,532
Income before extraordinary items$71,00011,649
Extraordinary gains, net$0249
Net income$71,00011,657
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,944
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$88,28011,538
1993-12-31 (YTD Data)Rank
Total interest income$969,00012,352
Total interest expense$410,00012,178
Net interest income$559,00012,370
Provision for loan and lease losses$010,371
Total noninterest income$21,00013,055
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$18,00011,051
Trading account gains and feesNANA
Additional Noninterest Income$3,00013,123
Total noninterest expense$478,00012,273
Salaries and employee benefits$303,00011,615
Premises and equipment expense$25,00012,982
Additional noninterest expense$150,00012,427
Pre-tax net operating income$102,00011,853
Securities gains (losses)$-6,00012,616
Applicable income taxes$10,00011,823
Income before extraordinary items$86,00011,942
Extraordinary gains, net$25,0002,588
Net income$111,00011,742
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0007,730
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$91,40011,697
1992-12-31 (YTD Data)Rank
Total interest income$1,126,00012,775
Total interest expense$525,00012,651
Net interest income$601,00012,708
Provision for loan and lease losses$6,00011,435
Total noninterest income$22,00013,657
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$18,00011,411
Trading account gains and feesNANA
Additional Noninterest Income$4,00013,723
Total noninterest expense$485,00012,722
Salaries and employee benefits$307,00011,930
Premises and equipment expense$33,00013,314
Additional noninterest expense$145,00013,029
Pre-tax net operating income$132,00011,695
Securities gains (losses)$2,0007,695
Applicable income taxes$24,00011,995
Income before extraordinary items$110,00011,805
Extraordinary gains, net$49,000993
Net income$159,00011,235
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,00010,870
Cash dividends$520,0002,688
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$108,36011,530

* 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.