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Clear Fork Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$46,728,000987
Total interest expense$13,088,0001,081
Net interest income$33,640,000946
Provision for loan and lease losses$3,695,000393
Total noninterest income$2,316,0001,866
Gross Fiduciary activities income$0981
Service charges on deposit accounts$725,0001,284
Trading account gains and feesNANA
Additional Noninterest Income$1,591,0001,822
Total noninterest expense$18,811,0001,266
Salaries and employee benefits$10,368,0001,307
Premises and equipment expense$1,649,0001,425
Additional noninterest expense$1,591,0001,822
Pre-tax net operating income$13,450,000930
Securities gains (losses)$-31,0003,552
Applicable income taxes$03,369
Income before extraordinary items$13,419,000799
Extraordinary gains, net$054
Net income$13,419,000811
Minority interest net income$088
Net income of bank and minority interests.$13,419,000802
Net charge-offs$-217,0004,455
Cash dividends$5,965,000706
Sale, conversion, retirement of capital stock, net$0540
Net operating income$13,450,000806
2023-09-30 (YTD Data)Rank
Total interest income$33,703,000998
Total interest expense$8,702,0001,100
Net interest income$25,001,000956
Provision for loan and lease losses$586,000915
Total noninterest income$1,707,0001,878
Gross Fiduciary activities income$0950
Service charges on deposit accounts$540,0001,288
Trading account gains and feesNANA
Additional Noninterest Income$1,167,0001,840
Total noninterest expense$13,770,0001,286
Salaries and employee benefits$7,686,0001,316
Premises and equipment expense$1,265,0001,404
Additional noninterest expense$1,167,0001,840
Pre-tax net operating income$12,352,000826
Securities gains (losses)$-31,0003,725
Applicable income taxes$03,407
Income before extraordinary items$12,321,000699
Extraordinary gains, net$052
Net income$12,321,000703
Minority interest net income$081
Net income of bank and minority interests.$12,321,000699
Net charge-offs$-143,0004,430
Cash dividends$5,965,000544
Sale, conversion, retirement of capital stock, net$0507
Net operating income$12,352,000711
2023-06-30 (YTD Data)Rank
Total interest income$21,420,0001,015
Total interest expense$4,914,0001,127
Net interest income$16,506,000968
Provision for loan and lease losses$586,000713
Total noninterest income$970,0001,976
Gross Fiduciary activities income$0931
Service charges on deposit accounts$358,0001,278
Trading account gains and feesNANA
Additional Noninterest Income$612,0001,994
Total noninterest expense$9,085,0001,289
Salaries and employee benefits$5,076,0001,318
Premises and equipment expense$814,0001,433
Additional noninterest expense$612,0001,991
Pre-tax net operating income$7,805,000868
Securities gains (losses)$-31,0003,987
Applicable income taxes$03,436
Income before extraordinary items$7,774,000727
Extraordinary gains, net$051
Net income$7,774,000739
Minority interest net income$081
Net income of bank and minority interests.$7,774,000727
Net charge-offs$-66,0004,384
Cash dividends$5,468,000414
Sale, conversion, retirement of capital stock, net$0486
Net operating income$7,805,000729
2023-03-31 (YTD Data)Rank
Total interest income$9,728,0001,086
Total interest expense$1,381,0001,516
Net interest income$8,347,000959
Provision for loan and lease losses$02,612
Total noninterest income$453,0002,068
Gross Fiduciary activities income$0913
Service charges on deposit accounts$185,0001,256
Trading account gains and feesNANA
Additional Noninterest Income$268,0002,120
Total noninterest expense$4,338,0001,352
Salaries and employee benefits$2,489,0001,362
Premises and equipment expense$394,0001,506
Additional noninterest expense$268,0002,120
Pre-tax net operating income$4,462,000803
Securities gains (losses)$-31,0004,179
Applicable income taxes$03,388
Income before extraordinary items$4,431,000683
Extraordinary gains, net$04
Net income$4,431,000682
Minority interest net income$048
Net income of bank and minority interests.$4,431,000682
Net charge-offs$21,0001,099
Cash dividends$4,474,000289
Sale, conversion, retirement of capital stock, net$0430
Net operating income$4,462,000690
2022-12-31 (YTD Data)Rank
Total interest income$29,873,0001,160
Total interest expense$1,976,0001,609
Net interest income$27,897,0001,100
Provision for loan and lease losses$03,012
Total noninterest income$1,768,0002,174
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$633,0001,448
Trading account gains and feesNANA
Additional Noninterest Income$1,135,0002,201
Total noninterest expense$15,752,0001,425
Salaries and employee benefits$9,153,0001,417
Premises and equipment expense$1,296,0001,711
Additional noninterest expense$1,135,0002,201
Pre-tax net operating income$13,913,0001,010
Securities gains (losses)$0691
Applicable income taxes$03,596
Income before extraordinary items$13,913,000858
Extraordinary gains, net$05
Net income$13,913,000859
Minority interest net income$063
Net income of bank and minority interests.$13,913,000859
Net charge-offs$1,042,000409
Cash dividends$6,457,000637
Sale, conversion, retirement of capital stock, net$0568
Net operating income$13,913,000878
2022-09-30 (YTD Data)Rank
Total interest income$20,522,0001,189
Total interest expense$1,379,0001,400
Net interest income$19,143,0001,162
Provision for loan and lease losses$02,835
Total noninterest income$1,484,0002,083
Gross Fiduciary activities income$0968
Service charges on deposit accounts$964,000844
Trading account gains and feesNANA
Additional Noninterest Income$520,0002,759
Total noninterest expense$10,731,0001,550
Salaries and employee benefits$6,081,0001,552
Premises and equipment expense$988,0001,703
Additional noninterest expense$520,0002,759
Pre-tax net operating income$9,896,0001,045
Securities gains (losses)$0740
Applicable income taxes$03,603
Income before extraordinary items$9,896,000901
Extraordinary gains, net$04
Net income$9,896,000901
Minority interest net income$057
Net income of bank and minority interests.$9,896,000901
Net charge-offs$1,467,000248
Cash dividends$6,457,000483
Sale, conversion, retirement of capital stock, net$0519
Net operating income$9,896,000916
2022-06-30 (YTD Data)Rank
Total interest income$12,690,0001,211
Total interest expense$887,0001,254
Net interest income$11,803,0001,196
Provision for loan and lease losses$02,599
Total noninterest income$981,0002,086
Gross Fiduciary activities income$0925
Service charges on deposit accounts$619,000859
Trading account gains and feesNANA
Additional Noninterest Income$362,0002,750
Total noninterest expense$6,750,0001,598
Salaries and employee benefits$3,793,0001,625
Premises and equipment expense$623,0001,783
Additional noninterest expense$2,334,0001,440
Pre-tax net operating income$6,034,0001,057
Securities gains (losses)$0687
Applicable income taxes$03,564
Income before extraordinary items$6,034,000906
Extraordinary gains, net$04
Net income$6,034,000906
Minority interest net income$060
Net income of bank and minority interests.$6,034,000906
Net charge-offs$41,0001,050
Cash dividends$5,959,000390
Sale, conversion, retirement of capital stock, net$0494
Net operating income$6,034,000921
2022-03-31 (YTD Data)Rank
Total interest income$6,040,0001,217
Total interest expense$448,0001,207
Net interest income$5,592,0001,219
Provision for loan and lease losses$02,285
Total noninterest income$482,0002,101
Gross Fiduciary activities income$0892
Service charges on deposit accounts$305,000855
Trading account gains and feesNANA
Additional Noninterest Income$177,0002,704
Total noninterest expense$3,269,0001,621
Salaries and employee benefits$1,946,0001,600
Premises and equipment expense$278,0001,939
Additional noninterest expense$1,045,0001,523
Pre-tax net operating income$2,805,0001,061
Securities gains (losses)$0623
Applicable income taxes$03,450
Income before extraordinary items$2,805,000934
Extraordinary gains, net$04
Net income$2,805,000933
Minority interest net income$050
Net income of bank and minority interests.$2,805,000934
Net charge-offs$-55,0004,423
Cash dividends$4,966,000266
Sale, conversion, retirement of capital stock, net$0453
Net operating income$2,805,000943
2021-12-31 (YTD Data)Rank
Total interest income$25,807,0001,194
Total interest expense$2,059,0001,299
Net interest income$23,748,0001,184
Provision for loan and lease losses$3,500,000161
Total noninterest income$1,893,0002,294
Gross Fiduciary activities income$0994
Service charges on deposit accounts$619,0001,379
Trading account gains and feesNANA
Additional Noninterest Income$1,274,0002,391
Total noninterest expense$11,948,0001,739
Salaries and employee benefits$6,203,0001,890
Premises and equipment expense$1,157,0001,866
Additional noninterest expense$4,588,0001,426
Pre-tax net operating income$10,193,0001,258
Securities gains (losses)$02,062
Applicable income taxes$03,710
Income before extraordinary items$10,193,0001,133
Extraordinary gains, net$010
Net income$10,193,0001,133
Minority interest net income$074
Net income of bank and minority interests.$10,193,0001,133
Net charge-offs$7,707,000136
Cash dividends$6,966,000618
Sale, conversion, retirement of capital stock, net$0582
Net operating income$10,193,0001,117
2021-09-30 (YTD Data)Rank
Total interest income$19,630,0001,203
Total interest expense$1,533,0001,377
Net interest income$18,097,0001,188
Provision for loan and lease losses$3,500,000110
Total noninterest income$1,441,0002,314
Gross Fiduciary activities income$0957
Service charges on deposit accounts$457,0001,386
Trading account gains and feesNANA
Additional Noninterest Income$984,0002,409
Total noninterest expense$7,671,0001,954
Salaries and employee benefits$3,523,0002,249
Premises and equipment expense$916,0001,821
Additional noninterest expense$3,232,0001,504
Pre-tax net operating income$8,367,0001,231
Securities gains (losses)$02,015
Applicable income taxes$03,719
Income before extraordinary items$8,367,0001,095
Extraordinary gains, net$08
Net income$8,367,0001,096
Minority interest net income$069
Net income of bank and minority interests.$8,367,0001,096
Net charge-offs$8,111,000115
Cash dividends$6,866,000490
Sale, conversion, retirement of capital stock, net$0543
Net operating income$8,367,0001,081
2021-06-30 (YTD Data)Rank
Total interest income$13,452,0001,174
Total interest expense$1,058,0001,401
Net interest income$12,394,0001,158
Provision for loan and lease losses$2,000,000145
Total noninterest income$912,0002,337
Gross Fiduciary activities income$0951
Service charges on deposit accounts$291,0001,384
Trading account gains and feesNANA
Additional Noninterest Income$621,0002,417
Total noninterest expense$5,090,0001,951
Salaries and employee benefits$2,308,0002,282
Premises and equipment expense$662,0001,707
Additional noninterest expense$2,120,0001,504
Pre-tax net operating income$6,216,0001,117
Securities gains (losses)$01,818
Applicable income taxes$03,702
Income before extraordinary items$6,216,000995
Extraordinary gains, net$06
Net income$6,216,000994
Minority interest net income$067
Net income of bank and minority interests.$6,216,000995
Net charge-offs$5,372,000121
Cash dividends$6,370,000372
Sale, conversion, retirement of capital stock, net$0517
Net operating income$6,216,000972
2021-03-31 (YTD Data)Rank
Total interest income$7,162,0001,109
Total interest expense$526,0001,464
Net interest income$6,636,0001,074
Provision for loan and lease losses$1,000,000187
Total noninterest income$400,0002,484
Gross Fiduciary activities income$0922
Service charges on deposit accounts$147,0001,373
Trading account gains and feesNANA
Additional Noninterest Income$253,0002,615
Total noninterest expense$2,437,0001,993
Salaries and employee benefits$1,162,0002,262
Premises and equipment expense$336,0001,700
Additional noninterest expense$939,0001,612
Pre-tax net operating income$3,599,0001,000
Securities gains (losses)$01,392
Applicable income taxes$03,613
Income before extraordinary items$3,599,000881
Extraordinary gains, net$03
Net income$3,599,000881
Minority interest net income$055
Net income of bank and minority interests.$3,599,000881
Net charge-offs$416,000290
Cash dividends$4,944,000250
Sale, conversion, retirement of capital stock, net$0482
Net operating income$3,599,000861
2020-12-31 (YTD Data)Rank
Total interest income$27,855,0001,136
Total interest expense$3,729,0001,241
Net interest income$24,126,0001,106
Provision for loan and lease losses$4,250,000645
Total noninterest income$1,454,0002,464
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$611,0001,395
Trading account gains and feesNANA
Additional Noninterest Income$843,0002,644
Total noninterest expense$10,996,0001,821
Salaries and employee benefits$6,479,0001,776
Premises and equipment expense$884,0002,197
Additional noninterest expense$3,633,0001,653
Pre-tax net operating income$10,334,0001,039
Securities gains (losses)$206,0001,022
Applicable income taxes$03,697
Income before extraordinary items$10,540,000911
Extraordinary gains, net$04
Net income$10,540,000911
Minority interest net income$072
Net income of bank and minority interests.$10,540,000911
Net charge-offs$-21,0004,393
Cash dividends$7,191,000583
Sale, conversion, retirement of capital stock, net$0566
Net operating income$10,334,000889
2020-09-30 (YTD Data)Rank
Total interest income$21,705,0001,100
Total interest expense$3,131,0001,187
Net interest income$18,574,0001,068
Provision for loan and lease losses$4,250,000559
Total noninterest income$1,147,0002,371
Gross Fiduciary activities income$0981
Service charges on deposit accounts$452,0001,402
Trading account gains and feesNANA
Additional Noninterest Income$695,0002,512
Total noninterest expense$7,679,0001,903
Salaries and employee benefits$4,242,0001,953
Premises and equipment expense$686,0002,142
Additional noninterest expense$2,751,0001,617
Pre-tax net operating income$7,792,000997
Securities gains (losses)$206,000879
Applicable income taxes$03,696
Income before extraordinary items$7,998,000864
Extraordinary gains, net$04
Net income$7,998,000864
Minority interest net income$065
Net income of bank and minority interests.$7,998,000864
Net charge-offs$166,0001,364
Cash dividends$7,191,000454
Sale, conversion, retirement of capital stock, net$0532
Net operating income$7,792,000851
2020-06-30 (YTD Data)Rank
Total interest income$15,211,0001,051
Total interest expense$2,344,0001,159
Net interest income$12,867,0001,040
Provision for loan and lease losses$2,750,000586
Total noninterest income$772,0002,315
Gross Fiduciary activities income$0970
Service charges on deposit accounts$312,0001,364
Trading account gains and feesNANA
Additional Noninterest Income$460,0002,448
Total noninterest expense$5,143,0001,896
Salaries and employee benefits$2,851,0001,943
Premises and equipment expense$446,0002,178
Additional noninterest expense$1,846,0001,599
Pre-tax net operating income$5,746,000848
Securities gains (losses)$206,000691
Applicable income taxes$03,655
Income before extraordinary items$5,952,000723
Extraordinary gains, net$04
Net income$5,952,000723
Minority interest net income$065
Net income of bank and minority interests.$5,952,000723
Net charge-offs$175,0001,076
Cash dividends$6,591,000357
Sale, conversion, retirement of capital stock, net$0504
Net operating income$5,746,000719
2020-03-31 (YTD Data)Rank
Total interest income$7,276,0001,098
Total interest expense$1,301,0001,151
Net interest income$5,975,0001,080
Provision for loan and lease losses$1,000,000602
Total noninterest income$409,0002,153
Gross Fiduciary activities income$0941
Service charges on deposit accounts$184,0001,385
Trading account gains and feesNANA
Additional Noninterest Income$225,0002,309
Total noninterest expense$2,532,0001,925
Salaries and employee benefits$1,441,0001,946
Premises and equipment expense$226,0002,174
Additional noninterest expense$865,0001,710
Pre-tax net operating income$2,852,000767
Securities gains (losses)$206,000371
Applicable income taxes$03,513
Income before extraordinary items$3,058,000633
Extraordinary gains, net$04
Net income$3,058,000633
Minority interest net income$056
Net income of bank and minority interests.$3,058,000633
Net charge-offs$-52,0004,867
Cash dividends$5,592,000281
Sale, conversion, retirement of capital stock, net$0482
Net operating income$2,852,000666
2019-12-31 (YTD Data)Rank
Total interest income$30,427,0001,073
Total interest expense$5,917,0001,069
Net interest income$24,510,0001,066
Provision for loan and lease losses$3,000,000370
Total noninterest income$1,765,0002,107
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$688,0001,523
Trading account gains and feesNANA
Additional Noninterest Income$1,077,0002,164
Total noninterest expense$11,685,0001,688
Salaries and employee benefits$6,693,0001,693
Premises and equipment expense$1,133,0001,865
Additional noninterest expense$3,859,0001,562
Pre-tax net operating income$11,590,000937
Securities gains (losses)$02,379
Applicable income taxes$03,859
Income before extraordinary items$11,590,000825
Extraordinary gains, net$011
Net income$11,590,000826
Minority interest net income$076
Net income of bank and minority interests.$11,590,000826
Net charge-offs$1,548,000501
Cash dividends$6,596,000651
Sale, conversion, retirement of capital stock, net$0626
Net operating income$11,590,000802
2019-09-30 (YTD Data)Rank
Total interest income$23,056,0001,070
Total interest expense$4,433,0001,080
Net interest income$18,623,0001,063
Provision for loan and lease losses$2,000,000407
Total noninterest income$1,350,0002,076
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$499,0001,570
Trading account gains and feesNANA
Additional Noninterest Income$851,0002,101
Total noninterest expense$7,977,0001,833
Salaries and employee benefits$4,258,0001,925
Premises and equipment expense$912,0001,802
Additional noninterest expense$2,807,0001,593
Pre-tax net operating income$9,996,000845
Securities gains (losses)$02,167
Applicable income taxes$03,902
Income before extraordinary items$9,996,000736
Extraordinary gains, net$011
Net income$9,996,000738
Minority interest net income$072
Net income of bank and minority interests.$9,996,000737
Net charge-offs$1,032,000489
Cash dividends$6,596,000491
Sale, conversion, retirement of capital stock, net$0590
Net operating income$9,996,000726
2019-06-30 (YTD Data)Rank
Total interest income$15,264,0001,067
Total interest expense$2,761,0001,120
Net interest income$12,503,0001,050
Provision for loan and lease losses$2,000,000287
Total noninterest income$893,0002,087
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$324,0001,584
Trading account gains and feesNANA
Additional Noninterest Income$569,0002,065
Total noninterest expense$5,410,0001,804
Salaries and employee benefits$2,869,0001,913
Premises and equipment expense$626,0001,767
Additional noninterest expense$1,915,0001,574
Pre-tax net operating income$5,986,000904
Securities gains (losses)$01,702
Applicable income taxes$03,901
Income before extraordinary items$5,986,000786
Extraordinary gains, net$011
Net income$5,986,000787
Minority interest net income$069
Net income of bank and minority interests.$5,986,000786
Net charge-offs$914,000362
Cash dividends$5,996,000392
Sale, conversion, retirement of capital stock, net$0573
Net operating income$5,986,000773
2019-03-31 (YTD Data)Rank
Total interest income$7,475,0001,086
Total interest expense$1,283,0001,165
Net interest income$6,192,0001,065
Provision for loan and lease losses$600,000408
Total noninterest income$445,0002,055
Gross Fiduciary activities income$0972
Service charges on deposit accounts$164,0001,558
Trading account gains and feesNANA
Additional Noninterest Income$281,0002,027
Total noninterest expense$2,615,0001,865
Salaries and employee benefits$1,452,0001,911
Premises and equipment expense$240,0002,142
Additional noninterest expense$923,0001,617
Pre-tax net operating income$3,422,000784
Securities gains (losses)$01,087
Applicable income taxes$03,800
Income before extraordinary items$3,422,000694
Extraordinary gains, net$05
Net income$3,422,000695
Minority interest net income$052
Net income of bank and minority interests.$3,422,000693
Net charge-offs$7,0002,096
Cash dividends$4,997,000279
Sale, conversion, retirement of capital stock, net$0529
Net operating income$3,422,000680
2018-12-31 (YTD Data)Rank
Total interest income$27,944,0001,071
Total interest expense$3,562,0001,246
Net interest income$24,382,0001,056
Provision for loan and lease losses$5,250,000251
Total noninterest income$1,633,0002,237
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$638,0001,656
Trading account gains and feesNANA
Additional Noninterest Income$995,0002,245
Total noninterest expense$11,111,0001,743
Salaries and employee benefits$6,546,0001,697
Premises and equipment expense$815,0002,337
Additional noninterest expense$3,750,0001,594
Pre-tax net operating income$9,654,0001,063
Securities gains (losses)$01,125
Applicable income taxes$03,978
Income before extraordinary items$9,654,000939
Extraordinary gains, net$06
Net income$9,654,000938
Minority interest net income$072
Net income of bank and minority interests.$9,654,000938
Net charge-offs$4,198,000221
Cash dividends$5,797,000656
Sale, conversion, retirement of capital stock, net$0671
Net operating income$9,654,000938
2018-09-30 (YTD Data)Rank
Total interest income$20,355,0001,087
Total interest expense$2,385,0001,293
Net interest income$17,970,0001,066
Provision for loan and lease losses$4,500,000220
Total noninterest income$1,179,0002,293
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$470,0001,701
Trading account gains and feesNANA
Additional Noninterest Income$709,0002,329
Total noninterest expense$7,821,0001,831
Salaries and employee benefits$4,343,0001,870
Premises and equipment expense$703,0002,139
Additional noninterest expense$2,775,0001,599
Pre-tax net operating income$6,828,0001,120
Securities gains (losses)$01,118
Applicable income taxes$04,032
Income before extraordinary items$6,828,0001,000
Extraordinary gains, net$05
Net income$6,828,000999
Minority interest net income$066
Net income of bank and minority interests.$6,828,000999
Net charge-offs$2,687,000235
Cash dividends$5,797,000482
Sale, conversion, retirement of capital stock, net$0633
Net operating income$6,828,000996
2018-06-30 (YTD Data)Rank
Total interest income$13,168,0001,104
Total interest expense$1,314,0001,441
Net interest income$11,854,0001,079
Provision for loan and lease losses$4,000,000184
Total noninterest income$763,0002,331
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$317,0001,661
Trading account gains and feesNANA
Additional Noninterest Income$446,0002,385
Total noninterest expense$5,236,0001,836
Salaries and employee benefits$2,904,0001,876
Premises and equipment expense$466,0002,178
Additional noninterest expense$1,866,0001,602
Pre-tax net operating income$3,381,0001,381
Securities gains (losses)$0961
Applicable income taxes$04,018
Income before extraordinary items$3,381,0001,233
Extraordinary gains, net$06
Net income$3,381,0001,232
Minority interest net income$065
Net income of bank and minority interests.$3,381,0001,232
Net charge-offs$806,000372
Cash dividends$5,298,000365
Sale, conversion, retirement of capital stock, net$0620
Net operating income$3,381,0001,227
2018-03-31 (YTD Data)Rank
Total interest income$6,374,0001,132
Total interest expense$607,0001,470
Net interest income$5,767,0001,095
Provision for loan and lease losses$1,000,000277
Total noninterest income$372,0002,354
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$163,0001,624
Trading account gains and feesNANA
Additional Noninterest Income$209,0002,422
Total noninterest expense$2,609,0001,867
Salaries and employee benefits$1,357,0001,996
Premises and equipment expense$257,0002,078
Additional noninterest expense$995,0001,514
Pre-tax net operating income$2,530,0001,001
Securities gains (losses)$0735
Applicable income taxes$03,948
Income before extraordinary items$2,530,000871
Extraordinary gains, net$07
Net income$2,530,000872
Minority interest net income$052
Net income of bank and minority interests.$2,530,000871
Net charge-offs$870,000239
Cash dividends$4,298,000231
Sale, conversion, retirement of capital stock, net$0580
Net operating income$2,530,000862
2017-12-31 (YTD Data)Rank
Total interest income$22,181,0001,239
Total interest expense$1,792,0001,670
Net interest income$20,389,0001,189
Provision for loan and lease losses$3,000,000354
Total noninterest income$1,363,0002,521
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$662,0001,632
Trading account gains and feesNANA
Additional Noninterest Income$701,0002,718
Total noninterest expense$9,652,0001,968
Salaries and employee benefits$5,478,0001,951
Premises and equipment expense$821,0002,419
Additional noninterest expense$3,353,0001,777
Pre-tax net operating income$9,100,0001,063
Securities gains (losses)$58,000827
Applicable income taxes$04,135
Income before extraordinary items$9,158,000807
Extraordinary gains, net$09
Net income$9,158,000808
Minority interest net income$076
Net income of bank and minority interests.$9,158,000807
Net charge-offs$3,155,000283
Cash dividends$6,634,000517
Sale, conversion, retirement of capital stock, net$0711
Net operating income$9,100,000800
2017-09-30 (YTD Data)Rank
Total interest income$16,249,0001,264
Total interest expense$1,286,0001,717
Net interest income$14,963,0001,218
Provision for loan and lease losses$1,500,000501
Total noninterest income$1,220,0002,319
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$499,0001,636
Trading account gains and feesNANA
Additional Noninterest Income$721,0002,370
Total noninterest expense$7,206,0001,968
Salaries and employee benefits$4,098,0001,954
Premises and equipment expense$645,0002,335
Additional noninterest expense$2,463,0001,804
Pre-tax net operating income$7,477,0001,013
Securities gains (losses)$58,000816
Applicable income taxes$04,172
Income before extraordinary items$7,535,000805
Extraordinary gains, net$09
Net income$7,535,000805
Minority interest net income$071
Net income of bank and minority interests.$7,535,000805
Net charge-offs$1,014,000491
Cash dividends$6,634,000396
Sale, conversion, retirement of capital stock, net$0677
Net operating income$7,477,000794
2017-06-30 (YTD Data)Rank
Total interest income$10,875,0001,254
Total interest expense$822,0001,737
Net interest income$10,053,0001,209
Provision for loan and lease losses$1,000,000498
Total noninterest income$802,0002,352
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$337,0001,604
Trading account gains and feesNANA
Additional Noninterest Income$465,0002,410
Total noninterest expense$4,750,0001,988
Salaries and employee benefits$2,670,0002,008
Premises and equipment expense$427,0002,358
Additional noninterest expense$1,653,0001,779
Pre-tax net operating income$5,105,000980
Securities gains (losses)$-6,0005,430
Applicable income taxes$04,189
Income before extraordinary items$5,099,000787
Extraordinary gains, net$011
Net income$5,099,000787
Minority interest net income$071
Net income of bank and minority interests.$5,099,000787
Net charge-offs$942,000372
Cash dividends$6,140,000302
Sale, conversion, retirement of capital stock, net$0659
Net operating income$5,105,000766
2017-03-31 (YTD Data)Rank
Total interest income$5,343,0001,257
Total interest expense$386,0001,799
Net interest income$4,957,0001,212
Provision for loan and lease losses$500,000453
Total noninterest income$431,0002,226
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$167,0001,615
Trading account gains and feesNANA
Additional Noninterest Income$264,0002,251
Total noninterest expense$2,368,0002,016
Salaries and employee benefits$1,322,0002,048
Premises and equipment expense$213,0002,404
Additional noninterest expense$833,0001,775
Pre-tax net operating income$2,520,000954
Securities gains (losses)$-135,0005,810
Applicable income taxes$04,086
Income before extraordinary items$2,385,000804
Extraordinary gains, net$08
Net income$2,385,000804
Minority interest net income$055
Net income of bank and minority interests.$2,385,000804
Net charge-offs$-79,0005,569
Cash dividends$5,150,000191
Sale, conversion, retirement of capital stock, net$0632
Net operating income$2,520,000753
2016-12-31 (YTD Data)Rank
Total interest income$18,073,0001,410
Total interest expense$1,380,0001,918
Net interest income$16,693,0001,367
Provision for loan and lease losses$2,050,000518
Total noninterest income$1,631,0002,374
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$766,0001,493
Trading account gains and fees$0170
Additional Noninterest Income$865,0002,576
Total noninterest expense$7,918,0002,307
Salaries and employee benefits$4,425,0002,304
Premises and equipment expense$815,0002,462
Additional noninterest expense$2,678,0002,176
Pre-tax net operating income$8,356,0001,065
Securities gains (losses)$959,000248
Applicable income taxes$04,278
Income before extraordinary items$9,315,000811
Extraordinary gains, net$05
Net income$9,315,000811
Minority interest net income$082
Net income of bank and minority interests.$9,315,000810
Net charge-offs$1,301,000544
Cash dividends$5,950,000580
Sale, conversion, retirement of capital stock, net$0759
Net operating income$8,356,000867
2016-09-30 (YTD Data)Rank
Total interest income$13,993,0001,367
Total interest expense$1,029,0001,938
Net interest income$12,964,0001,331
Provision for loan and lease losses$1,700,000463
Total noninterest income$1,228,0002,373
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$574,0001,491
Trading account gains and fees$0169
Additional Noninterest Income$654,0002,566
Total noninterest expense$5,625,0002,411
Salaries and employee benefits$3,231,0002,351
Premises and equipment expense$546,0002,664
Additional noninterest expense$1,848,0002,338
Pre-tax net operating income$6,867,0001,001
Securities gains (losses)$949,000219
Applicable income taxes$04,325
Income before extraordinary items$7,816,000732
Extraordinary gains, net$05
Net income$7,816,000732
Minority interest net income$071
Net income of bank and minority interests.$7,816,000732
Net charge-offs$745,000599
Cash dividends$5,950,000444
Sale, conversion, retirement of capital stock, net$0719
Net operating income$6,867,000801
2016-06-30 (YTD Data)Rank
Total interest income$9,599,0001,349
Total interest expense$679,0001,955
Net interest income$8,920,0001,310
Provision for loan and lease losses$1,200,000436
Total noninterest income$828,0002,342
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$380,0001,491
Trading account gains and fees$0157
Additional Noninterest Income$448,0002,513
Total noninterest expense$3,698,0002,456
Salaries and employee benefits$2,153,0002,359
Premises and equipment expense$331,0002,856
Additional noninterest expense$1,214,0002,366
Pre-tax net operating income$4,850,000955
Securities gains (losses)$112,000886
Applicable income taxes$04,338
Income before extraordinary items$4,962,000768
Extraordinary gains, net$016
Net income$4,962,000767
Minority interest net income$071
Net income of bank and minority interests.$4,962,000767
Net charge-offs$301,000862
Cash dividends$5,454,000338
Sale, conversion, retirement of capital stock, net$0705
Net operating income$4,850,000754
2016-03-31 (YTD Data)Rank
Total interest income$4,929,0001,319
Total interest expense$334,0001,974
Net interest income$4,595,0001,263
Provision for loan and lease losses$500,000456
Total noninterest income$429,0002,272
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$189,0001,493
Trading account gains and fees$0142
Additional Noninterest Income$240,0002,390
Total noninterest expense$1,833,0002,487
Salaries and employee benefits$1,070,0002,383
Premises and equipment expense$161,0002,935
Additional noninterest expense$602,0002,378
Pre-tax net operating income$2,691,000842
Securities gains (losses)$1,0001,958
Applicable income taxes$04,259
Income before extraordinary items$2,692,000681
Extraordinary gains, net$012
Net income$2,692,000680
Minority interest net income$062
Net income of bank and minority interests.$2,692,000681
Net charge-offs$-12,0005,253
Cash dividends$4,462,000222
Sale, conversion, retirement of capital stock, net$0659
Net operating income$2,691,000666
2015-12-31 (YTD Data)Rank
Total interest income$17,642,0001,407
Total interest expense$1,204,0002,111
Net interest income$16,438,0001,360
Provision for loan and lease losses$1,160,000711
Total noninterest income$1,602,0002,404
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$651,0001,743
Trading account gains and fees$0159
Additional Noninterest Income$951,0002,443
Total noninterest expense$7,801,0002,344
Salaries and employee benefits$4,464,0002,265
Premises and equipment expense$848,0002,443
Additional noninterest expense$2,489,0002,349
Pre-tax net operating income$9,079,000966
Securities gains (losses)$50,0001,646
Applicable income taxes$04,402
Income before extraordinary items$9,129,000797
Extraordinary gains, net$023
Net income$9,129,000797
Minority interest net income$081
Net income of bank and minority interests.$9,129,000797
Net charge-offs$344,0001,492
Cash dividends$5,532,000607
Sale, conversion, retirement of capital stock, net$0804
Net operating income$9,079,000781
2015-09-30 (YTD Data)Rank
Total interest income$13,262,0001,415
Total interest expense$891,0002,155
Net interest income$12,371,0001,364
Provision for loan and lease losses$795,000722
Total noninterest income$1,146,0002,481
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$469,0001,802
Trading account gains and fees$0153
Additional Noninterest Income$677,0002,519
Total noninterest expense$5,775,0002,369
Salaries and employee benefits$3,341,0002,274
Premises and equipment expense$685,0002,347
Additional noninterest expense$1,749,0002,478
Pre-tax net operating income$6,947,000963
Securities gains (losses)$121,000916
Applicable income taxes$04,489
Income before extraordinary items$7,068,000781
Extraordinary gains, net$021
Net income$7,068,000780
Minority interest net income$078
Net income of bank and minority interests.$7,068,000781
Net charge-offs$25,0003,231
Cash dividends$5,532,000447
Sale, conversion, retirement of capital stock, net$0773
Net operating income$6,947,000775
2015-06-30 (YTD Data)Rank
Total interest income$8,906,0001,419
Total interest expense$594,0002,168
Net interest income$8,312,0001,361
Provision for loan and lease losses$530,000720
Total noninterest income$706,0002,606
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$277,0001,941
Trading account gains and fees$0157
Additional Noninterest Income$429,0002,591
Total noninterest expense$3,872,0002,369
Salaries and employee benefits$2,212,0002,295
Premises and equipment expense$462,0002,352
Additional noninterest expense$1,198,0002,431
Pre-tax net operating income$4,616,000970
Securities gains (losses)$181,000566
Applicable income taxes$04,497
Income before extraordinary items$4,797,000769
Extraordinary gains, net$022
Net income$4,797,000768
Minority interest net income$075
Net income of bank and minority interests.$4,797,000769
Net charge-offs$2,0003,666
Cash dividends$5,036,000346
Sale, conversion, retirement of capital stock, net$0751
Net operating income$4,616,000775
2015-03-31 (YTD Data)Rank
Total interest income$4,574,0001,381
Total interest expense$297,0002,193
Net interest income$4,277,0001,321
Provision for loan and lease losses$265,000714
Total noninterest income$359,0002,551
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$147,0001,850
Trading account gains and fees$0152
Additional Noninterest Income$212,0002,554
Total noninterest expense$1,887,0002,433
Salaries and employee benefits$1,085,0002,343
Premises and equipment expense$232,0002,375
Additional noninterest expense$570,0002,528
Pre-tax net operating income$2,484,000871
Securities gains (losses)$49,000849
Applicable income taxes$04,400
Income before extraordinary items$2,533,000702
Extraordinary gains, net$013
Net income$2,533,000700
Minority interest net income$064
Net income of bank and minority interests.$2,533,000702
Net charge-offs$-36,0005,861
Cash dividends$3,973,000232
Sale, conversion, retirement of capital stock, net$0697
Net operating income$2,484,000692
2014-12-31 (YTD Data)Rank
Total interest income$16,476,0001,517
Total interest expense$1,198,0002,263
Net interest income$15,278,0001,451
Provision for loan and lease losses$725,0001,098
Total noninterest income$1,502,0002,507
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$651,0001,837
Trading account gains and fees$0180
Additional Noninterest Income$851,0002,558
Total noninterest expense$6,844,0002,665
Salaries and employee benefits$3,827,0002,589
Premises and equipment expense$821,0002,610
Additional noninterest expense$2,196,0002,671
Pre-tax net operating income$9,211,000903
Securities gains (losses)$-135,0006,362
Applicable income taxes$04,531
Income before extraordinary items$9,076,000746
Extraordinary gains, net$017
Net income$9,076,000745
Minority interest net income$084
Net income of bank and minority interests.$9,076,000745
Net charge-offs$764,0001,103
Cash dividends$5,463,000562
Sale, conversion, retirement of capital stock, net$0862
Net operating income$9,211,000726
2014-09-30 (YTD Data)Rank
Total interest income$12,796,0001,476
Total interest expense$900,0002,295
Net interest income$11,896,0001,410
Provision for loan and lease losses$725,000864
Total noninterest income$1,144,0002,511
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$495,0001,835
Trading account gains and fees$0174
Additional Noninterest Income$649,0002,535
Total noninterest expense$5,140,0002,658
Salaries and employee benefits$2,954,0002,534
Premises and equipment expense$665,0002,499
Additional noninterest expense$1,521,0002,847
Pre-tax net operating income$7,175,000879
Securities gains (losses)$-135,0006,466
Applicable income taxes$04,583
Income before extraordinary items$7,040,000724
Extraordinary gains, net$015
Net income$7,040,000723
Minority interest net income$081
Net income of bank and minority interests.$7,040,000723
Net charge-offs$496,0001,164
Cash dividends$5,463,000414
Sale, conversion, retirement of capital stock, net$0819
Net operating income$7,175,000691
2014-06-30 (YTD Data)Rank
Total interest income$8,600,0001,460
Total interest expense$607,0002,304
Net interest income$7,993,0001,387
Provision for loan and lease losses$725,000628
Total noninterest income$758,0002,481
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$327,0001,830
Trading account gains and fees$0172
Additional Noninterest Income$431,0002,512
Total noninterest expense$3,407,0002,676
Salaries and employee benefits$1,989,0002,517
Premises and equipment expense$444,0002,510
Additional noninterest expense$974,0002,949
Pre-tax net operating income$4,619,000886
Securities gains (losses)$02,580
Applicable income taxes$04,568
Income before extraordinary items$4,619,000712
Extraordinary gains, net$020
Net income$4,619,000711
Minority interest net income$080
Net income of bank and minority interests.$4,619,000712
Net charge-offs$311,0001,231
Cash dividends$4,966,000326
Sale, conversion, retirement of capital stock, net$0794
Net operating income$4,619,000695
2014-03-31 (YTD Data)Rank
Total interest income$4,406,0001,439
Total interest expense$308,0002,310
Net interest income$4,098,0001,353
Provision for loan and lease losses$250,000826
Total noninterest income$361,0002,525
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$164,0001,807
Trading account gains and fees$0147
Additional Noninterest Income$197,0002,584
Total noninterest expense$1,685,0002,706
Salaries and employee benefits$987,0002,543
Premises and equipment expense$194,0002,813
Additional noninterest expense$504,0002,867
Pre-tax net operating income$2,524,000786
Securities gains (losses)$01,715
Applicable income taxes$04,445
Income before extraordinary items$2,524,000629
Extraordinary gains, net$016
Net income$2,524,000630
Minority interest net income$066
Net income of bank and minority interests.$2,524,000630
Net charge-offs$-1,0004,711
Cash dividends$3,973,000195
Sale, conversion, retirement of capital stock, net$0747
Net operating income$2,524,000623
2013-12-31 (YTD Data)Rank
Total interest income$16,017,0001,561
Total interest expense$1,175,0002,604
Net interest income$14,842,0001,468
Provision for loan and lease losses$650,0001,542
Total noninterest income$1,528,0002,561
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$646,0001,945
Trading account gains and fees$0184
Additional Noninterest Income$882,0002,535
Total noninterest expense$6,919,0002,655
Salaries and employee benefits$3,875,0002,553
Premises and equipment expense$797,0002,712
Additional noninterest expense$2,247,0002,728
Pre-tax net operating income$8,801,000877
Securities gains (losses)$03,182
Applicable income taxes$04,631
Income before extraordinary items$8,801,000728
Extraordinary gains, net$029
Net income$8,801,000729
Minority interest net income$090
Net income of bank and minority interests.$8,801,000729
Net charge-offs$346,0002,406
Cash dividends$5,463,000526
Sale, conversion, retirement of capital stock, net$0924
Net operating income$8,801,000704
2013-09-30 (YTD Data)Rank
Total interest income$11,917,0001,583
Total interest expense$897,0002,646
Net interest income$11,020,0001,480
Provision for loan and lease losses$400,0001,764
Total noninterest income$1,147,0002,606
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$485,0001,952
Trading account gains and fees$0180
Additional Noninterest Income$662,0002,591
Total noninterest expense$5,046,0002,718
Salaries and employee benefits$2,903,0002,551
Premises and equipment expense$596,0002,740
Additional noninterest expense$1,547,0002,902
Pre-tax net operating income$6,721,000879
Securities gains (losses)$03,040
Applicable income taxes$04,713
Income before extraordinary items$6,721,000723
Extraordinary gains, net$025
Net income$6,721,000724
Minority interest net income$084
Net income of bank and minority interests.$6,721,000725
Net charge-offs$331,0002,022
Cash dividends$5,463,000381
Sale, conversion, retirement of capital stock, net$0868
Net operating income$6,721,000699
2013-06-30 (YTD Data)Rank
Total interest income$8,020,0001,563
Total interest expense$590,0002,735
Net interest income$7,430,0001,444
Provision for loan and lease losses$300,0001,629
Total noninterest income$754,0002,644
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$323,0001,926
Trading account gains and fees$0157
Additional Noninterest Income$431,0002,691
Total noninterest expense$3,303,0002,769
Salaries and employee benefits$1,941,0002,560
Premises and equipment expense$401,0002,737
Additional noninterest expense$961,0003,052
Pre-tax net operating income$4,581,000838
Securities gains (losses)$02,791
Applicable income taxes$04,679
Income before extraordinary items$4,581,000697
Extraordinary gains, net$022
Net income$4,581,000699
Minority interest net income$082
Net income of bank and minority interests.$4,581,000699
Net charge-offs$136,0002,463
Cash dividends$4,966,000311
Sale, conversion, retirement of capital stock, net$0838
Net operating income$4,581,000673
2013-03-31 (YTD Data)Rank
Total interest income$4,160,0001,525
Total interest expense$303,0002,753
Net interest income$3,857,0001,392
Provision for loan and lease losses$150,0001,610
Total noninterest income$366,0002,692
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$161,0001,923
Trading account gains and fees$0148
Additional Noninterest Income$205,0002,747
Total noninterest expense$1,690,0002,738
Salaries and employee benefits$972,0002,570
Premises and equipment expense$226,0002,510
Additional noninterest expense$492,0003,024
Pre-tax net operating income$2,383,000789
Securities gains (losses)$01,966
Applicable income taxes$04,602
Income before extraordinary items$2,383,000670
Extraordinary gains, net$010
Net income$2,383,000669
Minority interest net income$076
Net income of bank and minority interests.$2,383,000671
Net charge-offs$-2,0005,471
Cash dividends$4,273,000170
Sale, conversion, retirement of capital stock, net$0789
Net operating income$2,383,000642
2012-12-31 (YTD Data)Rank
Total interest income$15,656,0001,696
Total interest expense$1,513,0002,699
Net interest income$14,143,0001,561
Provision for loan and lease losses$100,0004,651
Total noninterest income$1,502,0002,619
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$662,0001,989
Trading account gains and fees$0166
Additional Noninterest Income$840,0002,610
Total noninterest expense$7,093,0002,625
Salaries and employee benefits$3,828,0002,557
Premises and equipment expense$942,0002,381
Additional noninterest expense$2,323,0002,741
Pre-tax net operating income$8,452,000850
Securities gains (losses)$-14,0006,756
Applicable income taxes$04,751
Income before extraordinary items$8,438,000708
Extraordinary gains, net$029
Net income$8,438,000705
Minority interest net income$093
Net income of bank and minority interests.$8,438,000708
Net charge-offs$81,0004,582
Cash dividends$5,471,000531
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$8,452,000677
2012-09-30 (YTD Data)Rank
Total interest income$11,853,0001,711
Total interest expense$1,192,0002,691
Net interest income$10,661,0001,564
Provision for loan and lease losses$05,790
Total noninterest income$1,124,0002,619
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$494,0002,022
Trading account gains and fees$0157
Additional Noninterest Income$630,0002,607
Total noninterest expense$5,269,0002,658
Salaries and employee benefits$2,897,0002,551
Premises and equipment expense$700,0002,438
Additional noninterest expense$1,672,0002,852
Pre-tax net operating income$6,516,000863
Securities gains (losses)$03,575
Applicable income taxes$04,802
Income before extraordinary items$6,516,000710
Extraordinary gains, net$020
Net income$6,516,000710
Minority interest net income$086
Net income of bank and minority interests.$6,516,000711
Net charge-offs$74,0004,249
Cash dividends$5,471,000345
Sale, conversion, retirement of capital stock, net$0952
Net operating income$6,516,000682
2012-06-30 (YTD Data)Rank
Total interest income$8,139,0001,673
Total interest expense$831,0002,693
Net interest income$7,308,0001,525
Provision for loan and lease losses$05,619
Total noninterest income$746,0002,592
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$334,0001,980
Trading account gains and fees$0153
Additional Noninterest Income$412,0002,609
Total noninterest expense$3,484,0002,687
Salaries and employee benefits$1,938,0002,532
Premises and equipment expense$411,0002,721
Additional noninterest expense$1,135,0002,818
Pre-tax net operating income$4,570,000809
Securities gains (losses)$03,178
Applicable income taxes$04,770
Income before extraordinary items$4,570,000668
Extraordinary gains, net$019
Net income$4,570,000667
Minority interest net income$084
Net income of bank and minority interests.$4,570,000668
Net charge-offs$22,0004,582
Cash dividends$4,974,000256
Sale, conversion, retirement of capital stock, net$0928
Net operating income$4,570,000646
2012-03-31 (YTD Data)Rank
Total interest income$4,136,0001,670
Total interest expense$428,0002,717
Net interest income$3,708,0001,509
Provision for loan and lease losses$05,254
Total noninterest income$363,0002,627
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$167,0001,966
Trading account gains and fees$0148
Additional Noninterest Income$196,0002,697
Total noninterest expense$1,769,0002,646
Salaries and employee benefits$960,0002,580
Premises and equipment expense$183,0002,991
Additional noninterest expense$626,0002,557
Pre-tax net operating income$2,302,000794
Securities gains (losses)$02,210
Applicable income taxes$04,704
Income before extraordinary items$2,302,000663
Extraordinary gains, net$019
Net income$2,302,000664
Minority interest net income$078
Net income of bank and minority interests.$2,302,000664
Net charge-offs$-27,0006,953
Cash dividends$3,979,000159
Sale, conversion, retirement of capital stock, net$0861
Net operating income$2,302,000642
2011-12-31 (YTD Data)Rank
Total interest income$15,526,0001,816
Total interest expense$2,016,0002,764
Net interest income$13,510,0001,647
Provision for loan and lease losses$323,0004,017
Total noninterest income$1,453,0002,501
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$677,0002,039
Trading account gains and fees$0146
Additional Noninterest Income$776,0002,499
Total noninterest expense$6,598,0002,804
Salaries and employee benefits$3,787,0002,532
Premises and equipment expense$699,0003,215
Additional noninterest expense$2,112,0002,982
Pre-tax net operating income$8,042,000762
Securities gains (losses)$03,838
Applicable income taxes$04,719
Income before extraordinary items$8,042,000639
Extraordinary gains, net$029
Net income$8,042,000637
Minority interest net income$096
Net income of bank and minority interests.$8,042,000639
Net charge-offs$263,0003,951
Cash dividends$5,455,000399
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$8,042,000616
2011-09-30 (YTD Data)Rank
Total interest income$11,599,0001,837
Total interest expense$1,517,0002,849
Net interest income$10,082,0001,667
Provision for loan and lease losses$173,0004,355
Total noninterest income$1,111,0002,466
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$510,0002,035
Trading account gains and fees$0145
Additional Noninterest Income$601,0002,417
Total noninterest expense$4,703,0002,949
Salaries and employee benefits$2,683,0002,695
Premises and equipment expense$527,0003,235
Additional noninterest expense$1,493,0003,165
Pre-tax net operating income$6,317,000749
Securities gains (losses)$03,555
Applicable income taxes$04,740
Income before extraordinary items$6,317,000634
Extraordinary gains, net$021
Net income$6,317,000633
Minority interest net income$087
Net income of bank and minority interests.$6,317,000634
Net charge-offs$108,0004,355
Cash dividends$5,455,000274
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$6,317,000606
2011-06-30 (YTD Data)Rank
Total interest income$7,665,0001,873
Total interest expense$1,014,0002,926
Net interest income$6,651,0001,686
Provision for loan and lease losses$173,0003,743
Total noninterest income$835,0002,269
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$338,0002,035
Trading account gains and fees$0153
Additional Noninterest Income$497,0002,106
Total noninterest expense$3,253,0002,877
Salaries and employee benefits$1,785,0002,710
Premises and equipment expense$342,0003,308
Additional noninterest expense$1,126,0002,886
Pre-tax net operating income$4,060,000761
Securities gains (losses)$02,914
Applicable income taxes$04,697
Income before extraordinary items$4,060,000640
Extraordinary gains, net$015
Net income$4,060,000638
Minority interest net income$089
Net income of bank and minority interests.$4,060,000640
Net charge-offs$162,0003,323
Cash dividends$4,958,000194
Sale, conversion, retirement of capital stock, net$0986
Net operating income$4,060,000620
2011-03-31 (YTD Data)Rank
Total interest income$3,900,0001,848
Total interest expense$508,0002,997
Net interest income$3,392,0001,647
Provision for loan and lease losses$05,840
Total noninterest income$397,0002,352
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$163,0002,076
Trading account gains and fees$0158
Additional Noninterest Income$234,0002,246
Total noninterest expense$1,619,0002,901
Salaries and employee benefits$893,0002,720
Premises and equipment expense$169,0003,407
Additional noninterest expense$557,0002,917
Pre-tax net operating income$2,170,000730
Securities gains (losses)$01,772
Applicable income taxes$04,545
Income before extraordinary items$2,170,000605
Extraordinary gains, net$09
Net income$2,170,000602
Minority interest net income$086
Net income of bank and minority interests.$2,170,000605
Net charge-offs$-1,0006,209
Cash dividends$3,963,000114
Sale, conversion, retirement of capital stock, net$0925
Net operating income$2,170,000589
2010-12-31 (YTD Data)Rank
Total interest income$16,153,0001,872
Total interest expense$2,420,0003,071
Net interest income$13,733,0001,623
Provision for loan and lease losses$795,0003,411
Total noninterest income$1,454,0002,568
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$659,0002,144
Trading account gains and fees$0175
Additional Noninterest Income$795,0002,502
Total noninterest expense$6,838,0002,781
Salaries and employee benefits$3,877,0002,480
Premises and equipment expense$772,0003,055
Additional noninterest expense$2,189,0002,994
Pre-tax net operating income$7,554,000709
Securities gains (losses)$474,000932
Applicable income taxes$04,655
Income before extraordinary items$8,028,000565
Extraordinary gains, net$029
Net income$8,028,000564
Minority interest net income$0111
Net income of bank and minority interests.$8,028,000565
Net charge-offs$79,0005,608
Cash dividends$4,954,000342
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$7,554,000568
2010-09-30 (YTD Data)Rank
Total interest income$12,234,0001,897
Total interest expense$1,865,0003,131
Net interest income$10,369,0001,636
Provision for loan and lease losses$600,0003,239
Total noninterest income$1,077,0002,596
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$495,0002,189
Trading account gains and fees$0165
Additional Noninterest Income$582,0002,528
Total noninterest expense$5,177,0002,761
Salaries and employee benefits$2,928,0002,474
Premises and equipment expense$622,0002,949
Additional noninterest expense$1,627,0002,987
Pre-tax net operating income$5,669,000750
Securities gains (losses)$611,000624
Applicable income taxes$04,726
Income before extraordinary items$6,280,000548
Extraordinary gains, net$023
Net income$6,280,000548
Minority interest net income$0110
Net income of bank and minority interests.$6,280,000550
Net charge-offs$43,0005,615
Cash dividends$4,954,000227
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$5,669,000582
2010-06-30 (YTD Data)Rank
Total interest income$8,239,0001,902
Total interest expense$1,260,0003,193
Net interest income$6,979,0001,617
Provision for loan and lease losses$400,0003,175
Total noninterest income$701,0002,590
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$336,0002,159
Trading account gains and fees$0152
Additional Noninterest Income$365,0002,542
Total noninterest expense$3,596,0002,669
Salaries and employee benefits$2,057,0002,377
Premises and equipment expense$400,0003,055
Additional noninterest expense$1,139,0002,846
Pre-tax net operating income$3,684,000750
Securities gains (losses)$611,000398
Applicable income taxes$04,691
Income before extraordinary items$4,295,000510
Extraordinary gains, net$019
Net income$4,295,000512
Minority interest net income$0105
Net income of bank and minority interests.$4,295,000512
Net charge-offs$-17,0007,567
Cash dividends$4,459,000163
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$3,684,000584
2010-03-31 (YTD Data)Rank
Total interest income$4,215,0001,906
Total interest expense$638,0003,282
Net interest income$3,577,0001,604
Provision for loan and lease losses$200,0002,974
Total noninterest income$342,0002,623
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$166,0002,165
Trading account gains and fees$0175
Additional Noninterest Income$176,0002,581
Total noninterest expense$1,585,0003,000
Salaries and employee benefits$862,0002,829
Premises and equipment expense$183,0003,357
Additional noninterest expense$540,0002,970
Pre-tax net operating income$2,134,000637
Securities gains (losses)$02,284
Applicable income taxes$04,611
Income before extraordinary items$2,134,000520
Extraordinary gains, net$016
Net income$2,134,000522
Minority interest net income$091
Net income of bank and minority interests.$2,134,000522
Net charge-offs$-19,0007,635
Cash dividends$3,468,00096
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$2,134,000503
2009-12-31 (YTD Data)Rank
Total interest income$16,527,0002,059
Total interest expense$2,819,0003,584
Net interest income$13,708,0001,637
Provision for loan and lease losses$550,0004,387
Total noninterest income$1,326,0002,775
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$719,0002,200
Trading account gains and fees$0211
Additional Noninterest Income$607,0002,884
Total noninterest expense$6,751,0002,879
Salaries and employee benefits$3,617,0002,703
Premises and equipment expense$790,0003,148
Additional noninterest expense$2,344,0002,898
Pre-tax net operating income$7,733,000555
Securities gains (losses)$-222,0007,439
Applicable income taxes$04,388
Income before extraordinary items$7,511,000430
Extraordinary gains, net$034
Net income$7,511,000430
Minority interest net income$0115
Net income of bank and minority interests.$7,511,000432
Net charge-offs$190,0005,063
Cash dividends$4,475,000394
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$7,733,000422
2009-09-30 (YTD Data)Rank
Total interest income$12,427,0002,086
Total interest expense$2,111,0003,723
Net interest income$10,316,0001,628
Provision for loan and lease losses$135,0005,613
Total noninterest income$1,010,0002,801
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$547,0002,190
Trading account gains and fees$0212
Additional Noninterest Income$463,0002,943
Total noninterest expense$4,912,0002,955
Salaries and employee benefits$2,621,0002,815
Premises and equipment expense$589,0003,208
Additional noninterest expense$1,702,0002,964
Pre-tax net operating income$6,279,000548
Securities gains (losses)$-227,0007,609
Applicable income taxes$04,592
Income before extraordinary items$6,052,000439
Extraordinary gains, net$027
Net income$6,052,000438
Minority interest net income$0118
Net income of bank and minority interests.$6,052,000439
Net charge-offs$133,0004,768
Cash dividends$4,165,000302
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$6,279,000415
2009-06-30 (YTD Data)Rank
Total interest income$8,434,0002,083
Total interest expense$1,448,0003,761
Net interest income$6,986,0001,609
Provision for loan and lease losses$90,0005,421
Total noninterest income$654,0002,869
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$376,0002,127
Trading account gains and fees$0193
Additional Noninterest Income$278,0003,120
Total noninterest expense$3,359,0002,914
Salaries and employee benefits$1,764,0002,825
Premises and equipment expense$408,0003,126
Additional noninterest expense$1,187,0002,857
Pre-tax net operating income$4,191,000525
Securities gains (losses)$-227,0007,810
Applicable income taxes$04,657
Income before extraordinary items$3,964,000442
Extraordinary gains, net$021
Net income$3,964,000441
Minority interest net income$0112
Net income of bank and minority interests.$3,964,000442
Net charge-offs$154,0003,741
Cash dividends$3,666,000240
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$4,191,000396
2009-03-31 (YTD Data)Rank
Total interest income$4,277,0002,082
Total interest expense$750,0003,772
Net interest income$3,527,0001,584
Provision for loan and lease losses$45,0004,992
Total noninterest income$318,0002,909
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$184,0002,105
Trading account gains and fees$0171
Additional Noninterest Income$134,0003,166
Total noninterest expense$1,658,0002,885
Salaries and employee benefits$916,0002,759
Premises and equipment expense$214,0003,070
Additional noninterest expense$528,0002,863
Pre-tax net operating income$2,142,000566
Securities gains (losses)$-2,0007,731
Applicable income taxes$04,835
Income before extraordinary items$2,140,000455
Extraordinary gains, net$015
Net income$2,140,000456
Minority interest net income$0102
Net income of bank and minority interests.$2,140,000457
Net charge-offs$-7,0007,788
Cash dividends$2,644,000175
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$2,142,000426
2008-12-31 (YTD Data)Rank
Total interest income$17,107,0002,209
Total interest expense$4,719,0003,124
Net interest income$12,388,0001,799
Provision for loan and lease losses$550,0003,663
Total noninterest income$1,203,0003,042
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$666,0002,445
Trading account gains and fees$0154
Additional Noninterest Income$537,0003,067
Total noninterest expense$6,026,0003,062
Salaries and employee benefits$3,533,0002,798
Premises and equipment expense$869,0002,965
Additional noninterest expense$1,624,0003,423
Pre-tax net operating income$7,015,000789
Securities gains (losses)$-1,0006,828
Applicable income taxes$04,979
Income before extraordinary items$7,014,000561
Extraordinary gains, net$039
Net income$7,014,000561
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0006,751
Cash dividends$4,306,000647
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$7,015,000600
2008-09-30 (YTD Data)Rank
Total interest income$12,727,0002,280
Total interest expense$3,774,0003,054
Net interest income$8,953,0001,893
Provision for loan and lease losses$135,0004,747
Total noninterest income$908,0003,091
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$487,0002,512
Trading account gains and fees$0148
Additional Noninterest Income$421,0003,101
Total noninterest expense$3,962,0003,406
Salaries and employee benefits$2,113,0003,462
Premises and equipment expense$669,0002,918
Additional noninterest expense$1,180,0003,433
Pre-tax net operating income$5,764,000882
Securities gains (losses)$-1,0007,156
Applicable income taxes$05,372
Income before extraordinary items$5,763,000631
Extraordinary gains, net$031
Net income$5,763,000630
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-47,0008,196
Cash dividends$4,306,000517
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$5,764,000666
2008-06-30 (YTD Data)Rank
Total interest income$8,408,0002,324
Total interest expense$2,668,0003,014
Net interest income$5,740,0001,951
Provision for loan and lease losses$90,0004,395
Total noninterest income$556,0003,286
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$295,0002,673
Trading account gains and fees$0149
Additional Noninterest Income$261,0003,269
Total noninterest expense$2,666,0003,391
Salaries and employee benefits$1,408,0003,501
Premises and equipment expense$443,0002,945
Additional noninterest expense$815,0003,312
Pre-tax net operating income$3,540,0001,011
Securities gains (losses)$-1,0007,955
Applicable income taxes$05,627
Income before extraordinary items$3,539,000777
Extraordinary gains, net$021
Net income$3,539,000776
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-36,0008,196
Cash dividends$3,683,000456
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$3,540,000763
2008-03-31 (YTD Data)Rank
Total interest income$4,255,0002,363
Total interest expense$1,404,0003,055
Net interest income$2,851,0001,959
Provision for loan and lease losses$45,0003,899
Total noninterest income$280,0003,279
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$139,0002,775
Trading account gains and fees$0158
Additional Noninterest Income$141,0003,147
Total noninterest expense$1,296,0003,484
Salaries and employee benefits$704,0003,529
Premises and equipment expense$186,0003,416
Additional noninterest expense$406,0003,274
Pre-tax net operating income$1,790,0001,066
Securities gains (losses)$-1,0008,175
Applicable income taxes$05,622
Income before extraordinary items$1,789,000837
Extraordinary gains, net$015
Net income$1,789,000839
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-8,0007,847
Cash dividends$2,436,000362
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$1,790,000804
2007-12-31 (YTD Data)Rank
Total interest income$16,571,0002,461
Total interest expense$5,850,0003,065
Net interest income$10,721,0002,108
Provision for loan and lease losses$150,0004,308
Total noninterest income$1,134,0003,258
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$667,0002,460
Trading account gains and fees$0178
Additional Noninterest Income$467,0003,435
Total noninterest expense$5,592,0003,152
Salaries and employee benefits$3,283,0003,002
Premises and equipment expense$691,0003,474
Additional noninterest expense$1,618,0003,213
Pre-tax net operating income$6,113,0001,374
Securities gains (losses)$-89,0008,123
Applicable income taxes$06,070
Income before extraordinary items$6,024,0001,078
Extraordinary gains, net$039
Net income$6,024,0001,076
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-50,0008,277
Cash dividends$5,253,000708
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$6,113,0001,046
2007-09-30 (YTD Data)Rank
Total interest income$12,341,0002,486
Total interest expense$4,328,0003,109
Net interest income$8,013,0002,128
Provision for loan and lease losses$135,0003,624
Total noninterest income$864,0003,227
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$517,0002,377
Trading account gains and fees$0184
Additional Noninterest Income$347,0003,477
Total noninterest expense$3,601,0003,537
Salaries and employee benefits$1,980,0003,571
Premises and equipment expense$535,0003,367
Additional noninterest expense$1,086,0003,470
Pre-tax net operating income$5,141,0001,327
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$5,141,0001,026
Extraordinary gains, net$033
Net income$5,141,0001,024
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-69,0008,305
Cash dividends$5,253,000549
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$5,141,0001,008
2007-06-30 (YTD Data)Rank
Total interest income$8,213,0002,505
Total interest expense$2,868,0003,112
Net interest income$5,345,0002,159
Provision for loan and lease losses$90,0003,429
Total noninterest income$568,0003,279
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$336,0002,428
Trading account gains and fees$0168
Additional Noninterest Income$232,0003,501
Total noninterest expense$2,382,0003,587
Salaries and employee benefits$1,334,0003,562
Premises and equipment expense$343,0003,495
Additional noninterest expense$705,0003,542
Pre-tax net operating income$3,441,0001,370
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$3,441,0001,048
Extraordinary gains, net$029
Net income$3,441,0001,047
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-58,0008,324
Cash dividends$4,630,000453
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$3,441,0001,031
2007-03-31 (YTD Data)Rank
Total interest income$4,017,0002,551
Total interest expense$1,377,0003,198
Net interest income$2,640,0002,188
Provision for loan and lease losses$45,0003,197
Total noninterest income$276,0003,301
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$154,0002,550
Trading account gains and fees$0195
Additional Noninterest Income$122,0003,401
Total noninterest expense$1,168,0003,647
Salaries and employee benefits$648,0003,675
Premises and equipment expense$167,0003,593
Additional noninterest expense$353,0003,510
Pre-tax net operating income$1,703,0001,379
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$1,703,0001,040
Extraordinary gains, net$022
Net income$1,703,0001,039
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-15,0008,023
Cash dividends$3,384,000308
Sale, conversion, retirement of capital stock, net$0885
Net operating income$1,703,0001,024
2006-12-31 (YTD Data)Rank
Total interest income$14,353,0002,643
Total interest expense$4,447,0003,318
Net interest income$9,906,0002,304
Provision for loan and lease losses$200,0003,517
Total noninterest income$991,0003,570
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$591,0002,719
Trading account gains and fees$0130
Additional Noninterest Income$400,0003,737
Total noninterest expense$5,381,0003,148
Salaries and employee benefits$3,207,0002,950
Premises and equipment expense$750,0003,157
Additional noninterest expense$1,424,0003,434
Pre-tax net operating income$5,316,0001,791
Securities gains (losses)$01,687
Applicable income taxes$06,600
Income before extraordinary items$5,316,0001,373
Extraordinary gains, net$051
Net income$5,316,0001,373
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$192,0002,234
Cash dividends$4,309,000817
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$5,316,0001,365
2006-09-30 (YTD Data)Rank
Total interest income$10,492,0002,688
Total interest expense$3,186,0003,334
Net interest income$7,306,0002,367
Provision for loan and lease losses$135,0003,558
Total noninterest income$757,0003,525
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$465,0002,623
Trading account gains and fees$0126
Additional Noninterest Income$292,0003,785
Total noninterest expense$3,442,0003,579
Salaries and employee benefits$1,964,0003,501
Premises and equipment expense$523,0003,345
Additional noninterest expense$955,0003,749
Pre-tax net operating income$4,486,0001,657
Securities gains (losses)$01,388
Applicable income taxes$06,687
Income before extraordinary items$4,486,0001,263
Extraordinary gains, net$045
Net income$4,486,0001,263
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0004,550
Cash dividends$4,309,000595
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$4,486,0001,245
2006-06-30 (YTD Data)Rank
Total interest income$6,929,0002,674
Total interest expense$2,064,0003,294
Net interest income$4,865,0002,380
Provision for loan and lease losses$90,0003,463
Total noninterest income$458,0003,725
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$260,0002,980
Trading account gains and fees$0126
Additional Noninterest Income$198,0003,764
Total noninterest expense$2,281,0003,607
Salaries and employee benefits$1,321,0003,484
Premises and equipment expense$345,0003,364
Additional noninterest expense$615,0003,834
Pre-tax net operating income$2,952,0001,677
Securities gains (losses)$01,185
Applicable income taxes$06,706
Income before extraordinary items$2,952,0001,261
Extraordinary gains, net$039
Net income$2,952,0001,262
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0003,967
Cash dividends$3,686,000486
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,952,0001,250
2006-03-31 (YTD Data)Rank
Total interest income$3,424,0002,652
Total interest expense$990,0003,279
Net interest income$2,434,0002,380
Provision for loan and lease losses$45,0003,261
Total noninterest income$249,0003,479
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$128,0002,944
Trading account gains and fees$0115
Additional Noninterest Income$121,0003,366
Total noninterest expense$1,145,0003,608
Salaries and employee benefits$659,0003,504
Premises and equipment expense$165,0003,494
Additional noninterest expense$321,0003,687
Pre-tax net operating income$1,493,0001,636
Securities gains (losses)$0955
Applicable income taxes$06,588
Income before extraordinary items$1,493,0001,242
Extraordinary gains, net$021
Net income$1,493,0001,241
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,0007,292
Cash dividends$2,440,000373
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,493,0001,222
2005-12-31 (YTD Data)Rank
Total interest income$11,826,0002,746
Total interest expense$2,745,0003,571
Net interest income$9,081,0002,418
Provision for loan and lease losses$180,0003,751
Total noninterest income$1,765,0002,415
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$521,0002,974
Trading account gains and fees$0138
Additional Noninterest Income$1,244,0001,916
Total noninterest expense$5,371,0003,045
Salaries and employee benefits$3,606,0002,532
Premises and equipment expense$563,0003,845
Additional noninterest expense$1,202,0003,865
Pre-tax net operating income$5,295,0001,768
Securities gains (losses)$21,0001,240
Applicable income taxes$06,964
Income before extraordinary items$5,316,0001,346
Extraordinary gains, net$046
Net income$5,316,0001,348
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0005,152
Cash dividends$4,640,000709
Sale, conversion, retirement of capital stock, net$0934
Net operating income$5,295,0001,335
2005-09-30 (YTD Data)Rank
Total interest income$8,698,0002,743
Total interest expense$1,910,0003,628
Net interest income$6,788,0002,411
Provision for loan and lease losses$135,0003,636
Total noninterest income$1,584,0002,119
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$394,0002,958
Trading account gains and fees$0126
Additional Noninterest Income$1,190,0001,594
Total noninterest expense$3,818,0003,163
Salaries and employee benefits$2,487,0002,690
Premises and equipment expense$455,0003,621
Additional noninterest expense$876,0003,898
Pre-tax net operating income$4,419,0001,618
Securities gains (losses)$21,0001,208
Applicable income taxes$06,976
Income before extraordinary items$4,440,0001,225
Extraordinary gains, net$035
Net income$4,440,0001,225
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$19,0004,590
Cash dividends$4,640,000512
Sale, conversion, retirement of capital stock, net$0769
Net operating income$4,419,0001,199
2005-06-30 (YTD Data)Rank
Total interest income$5,606,0002,750
Total interest expense$1,165,0003,699
Net interest income$4,441,0002,430
Provision for loan and lease losses$90,0003,491
Total noninterest income$1,333,0001,772
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$258,0002,945
Trading account gains and fees$0116
Additional Noninterest Income$1,075,0001,274
Total noninterest expense$2,708,0002,970
Salaries and employee benefits$1,793,0002,487
Premises and equipment expense$310,0003,524
Additional noninterest expense$605,0003,774
Pre-tax net operating income$2,976,0001,563
Securities gains (losses)$21,0001,089
Applicable income taxes$06,961
Income before extraordinary items$2,997,0001,176
Extraordinary gains, net$030
Net income$2,997,0001,176
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0003,630
Cash dividends$4,017,000395
Sale, conversion, retirement of capital stock, net$0643
Net operating income$2,976,0001,154
2005-03-31 (YTD Data)Rank
Total interest income$2,734,0002,781
Total interest expense$531,0003,862
Net interest income$2,203,0002,429
Provision for loan and lease losses$45,0003,327
Total noninterest income$210,0003,855
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$125,0002,945
Trading account gains and fees$0115
Additional Noninterest Income$85,0004,053
Total noninterest expense$1,053,0003,701
Salaries and employee benefits$609,0003,521
Premises and equipment expense$151,0003,632
Additional noninterest expense$293,0003,887
Pre-tax net operating income$1,315,0001,743
Securities gains (losses)$01,685
Applicable income taxes$06,892
Income before extraordinary items$1,315,0001,315
Extraordinary gains, net$024
Net income$1,315,0001,317
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-13,0008,116
Cash dividends$3,020,000255
Sale, conversion, retirement of capital stock, net$0491
Net operating income$1,315,0001,283
2004-12-31 (YTD Data)Rank
Total interest income$10,603,0002,672
Total interest expense$1,795,0003,984
Net interest income$8,808,0002,316
Provision for loan and lease losses$165,0004,077
Total noninterest income$841,0003,927
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$530,0003,007
Trading account gains and fees$0138
Additional Noninterest Income$311,0004,199
Total noninterest expense$4,622,0003,342
Salaries and employee benefits$2,752,0003,078
Premises and equipment expense$601,0003,525
Additional noninterest expense$1,269,0003,587
Pre-tax net operating income$4,862,0001,742
Securities gains (losses)$-239,0008,820
Applicable income taxes$07,185
Income before extraordinary items$4,623,0001,395
Extraordinary gains, net$034
Net income$4,623,0001,396
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$50,0004,645
Cash dividends$4,760,000656
Sale, conversion, retirement of capital stock, net$0872
Net operating income$4,862,0001,294
2004-09-30 (YTD Data)Rank
Total interest income$7,912,0002,664
Total interest expense$1,313,0004,021
Net interest income$6,599,0002,287
Provision for loan and lease losses$126,0003,901
Total noninterest income$638,0003,930
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$400,0003,014
Trading account gains and fees$0134
Additional Noninterest Income$238,0004,156
Total noninterest expense$3,138,0003,570
Salaries and employee benefits$1,755,0003,504
Premises and equipment expense$472,0003,416
Additional noninterest expense$911,0003,682
Pre-tax net operating income$3,973,0001,623
Securities gains (losses)$-239,0008,947
Applicable income taxes$07,220
Income before extraordinary items$3,734,0001,321
Extraordinary gains, net$026
Net income$3,734,0001,322
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0005,003
Cash dividends$4,760,000483
Sale, conversion, retirement of capital stock, net$0738
Net operating income$3,973,0001,205
2004-06-30 (YTD Data)Rank
Total interest income$5,284,0002,645
Total interest expense$867,0004,037
Net interest income$4,417,0002,264
Provision for loan and lease losses$81,0003,895
Total noninterest income$449,0003,825
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$290,0002,784
Trading account gains and fees$0130
Additional Noninterest Income$159,0004,193
Total noninterest expense$2,115,0003,580
Salaries and employee benefits$1,168,0003,528
Premises and equipment expense$308,0003,472
Additional noninterest expense$639,0003,555
Pre-tax net operating income$2,670,0001,578
Securities gains (losses)$-239,0009,013
Applicable income taxes$07,214
Income before extraordinary items$2,431,0001,333
Extraordinary gains, net$021
Net income$2,431,0001,334
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0004,323
Cash dividends$4,262,000379
Sale, conversion, retirement of capital stock, net$0638
Net operating income$2,670,0001,178
2004-03-31 (YTD Data)Rank
Total interest income$2,694,0002,593
Total interest expense$432,0004,092
Net interest income$2,262,0002,213
Provision for loan and lease losses$36,0003,870
Total noninterest income$221,0003,817
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$138,0002,841
Trading account gains and fees$0121
Additional Noninterest Income$83,0004,094
Total noninterest expense$1,036,0003,655
Salaries and employee benefits$558,0003,675
Premises and equipment expense$152,0003,556
Additional noninterest expense$326,0003,506
Pre-tax net operating income$1,411,0001,474
Securities gains (losses)$02,934
Applicable income taxes$07,103
Income before extraordinary items$1,411,0001,163
Extraordinary gains, net$016
Net income$1,411,0001,163
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-14,0008,405
Cash dividends$3,165,000252
Sale, conversion, retirement of capital stock, net$0464
Net operating income$1,411,0001,097
2003-12-31 (YTD Data)Rank
Total interest income$10,783,0002,624
Total interest expense$1,952,0004,103
Net interest income$8,831,0002,186
Provision for loan and lease losses$145,0004,649
Total noninterest income$821,0004,179
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$536,0002,942
Trading account gains and fees$0160
Additional Noninterest Income$285,0004,607
Total noninterest expense$4,528,0003,330
Salaries and employee benefits$2,701,0003,048
Premises and equipment expense$624,0003,413
Additional noninterest expense$1,203,0003,713
Pre-tax net operating income$4,979,0001,633
Securities gains (losses)$38,0002,739
Applicable income taxes$07,459
Income before extraordinary items$5,017,0001,283
Extraordinary gains, net$054
Net income$5,017,0001,285
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$40,0005,344
Cash dividends$5,016,000623
Sale, conversion, retirement of capital stock, net$0868
Net operating income$4,979,0001,216
2003-09-30 (YTD Data)Rank
Total interest income$8,098,0002,660
Total interest expense$1,501,0004,135
Net interest income$6,597,0002,211
Provision for loan and lease losses$135,0004,077
Total noninterest income$610,0004,251
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$395,0002,977
Trading account gains and fees$0153
Additional Noninterest Income$215,0004,649
Total noninterest expense$3,091,0003,608
Salaries and employee benefits$1,721,0003,493
Premises and equipment expense$528,0003,069
Additional noninterest expense$842,0003,922
Pre-tax net operating income$3,981,0001,588
Securities gains (losses)$04,204
Applicable income taxes$07,524
Income before extraordinary items$3,981,0001,236
Extraordinary gains, net$040
Net income$3,981,0001,236
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0005,702
Cash dividends$5,016,000477
Sale, conversion, retirement of capital stock, net$0722
Net operating income$3,981,0001,167
2003-06-30 (YTD Data)Rank
Total interest income$5,388,0002,693
Total interest expense$1,037,0004,127
Net interest income$4,351,0002,240
Provision for loan and lease losses$90,0004,018
Total noninterest income$409,0004,189
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$265,0002,933
Trading account gains and fees$0150
Additional Noninterest Income$144,0004,641
Total noninterest expense$2,055,0003,607
Salaries and employee benefits$1,156,0003,470
Premises and equipment expense$347,0003,096
Additional noninterest expense$552,0003,944
Pre-tax net operating income$2,615,0001,606
Securities gains (losses)$03,782
Applicable income taxes$07,529
Income before extraordinary items$2,615,0001,265
Extraordinary gains, net$030
Net income$2,615,0001,265
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0003,655
Cash dividends$4,418,000398
Sale, conversion, retirement of capital stock, net$0589
Net operating income$2,615,0001,182
2003-03-31 (YTD Data)Rank
Total interest income$2,684,0002,720
Total interest expense$516,0004,238
Net interest income$2,168,0002,244
Provision for loan and lease losses$45,0003,818
Total noninterest income$205,0004,096
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$130,0002,900
Trading account gains and fees$0134
Additional Noninterest Income$75,0004,475
Total noninterest expense$1,015,0003,613
Salaries and employee benefits$584,0003,433
Premises and equipment expense$170,0003,154
Additional noninterest expense$261,0004,074
Pre-tax net operating income$1,313,0001,600
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$1,313,0001,257
Extraordinary gains, net$021
Net income$1,313,0001,256
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0004,268
Cash dividends$3,222,000259
Sale, conversion, retirement of capital stock, net$0419
Net operating income$1,313,0001,178
2002-12-31 (YTD Data)Rank
Total interest income$11,605,0002,632
Total interest expense$2,778,0003,767
Net interest income$8,827,0002,192
Provision for loan and lease losses$115,0005,483
Total noninterest income$819,0003,934
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$553,0002,731
Trading account gains and fees$0153
Additional Noninterest Income$266,0004,507
Total noninterest expense$4,471,0003,240
Salaries and employee benefits$2,735,0002,872
Premises and equipment expense$565,0003,594
Additional noninterest expense$1,171,0003,677
Pre-tax net operating income$5,060,0001,613
Securities gains (losses)$3,0004,139
Applicable income taxes$12,0007,232
Income before extraordinary items$5,051,0001,244
Extraordinary gains, net$070
Net income$5,051,0001,244
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,0006,007
Cash dividends$4,697,000660
Sale, conversion, retirement of capital stock, net$0862
Net operating income$5,048,0001,193
2001-12-31 (YTD Data)Rank
Total interest income$13,534,0002,526
Total interest expense$5,165,0003,070
Net interest income$8,369,0002,135
Provision for loan and lease losses$101,0005,569
Total noninterest income$759,0004,001
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$530,0002,704
Trading account gains and fees$0177
Additional Noninterest Income$229,0004,650
Total noninterest expense$4,042,0003,396
Salaries and employee benefits$2,437,0003,012
Premises and equipment expense$531,0003,700
Additional noninterest expense$1,074,0003,837
Pre-tax net operating income$4,985,0001,442
Securities gains (losses)$04,612
Applicable income taxes$12,0007,523
Income before extraordinary items$4,973,0001,099
Extraordinary gains, net$0105
Net income$4,973,0001,101
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$79,0004,430
Cash dividends$4,360,000689
Sale, conversion, retirement of capital stock, net$0922
Net operating income$4,973,0001,059
2000-12-31 (YTD Data)Rank
Total interest income$13,262,0002,620
Total interest expense$5,488,0003,044
Net interest income$7,774,0002,283
Provision for loan and lease losses$55,0006,399
Total noninterest income$722,0003,915
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$519,0002,608
Trading account gains and fees$0180
Additional Noninterest Income$203,0004,761
Total noninterest expense$3,778,0003,485
Salaries and employee benefits$2,281,0003,078
Premises and equipment expense$485,0003,886
Additional noninterest expense$1,012,0003,962
Pre-tax net operating income$4,663,0001,583
Securities gains (losses)$01,956
Applicable income taxes$12,0008,023
Income before extraordinary items$4,651,0001,133
Extraordinary gains, net$038
Net income$4,651,0001,133
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0007,027
Cash dividends$3,694,000811
Sale, conversion, retirement of capital stock, net$0969
Net operating income$4,651,0001,133
1999-12-31 (YTD Data)Rank
Total interest income$11,485,0002,818
Total interest expense$4,581,0003,169
Net interest income$6,904,0002,542
Provision for loan and lease losses$60,0006,124
Total noninterest income$746,0003,800
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$543,0002,444
Trading account gains and fees$0173
Additional Noninterest Income$203,0004,910
Total noninterest expense$3,546,0003,671
Salaries and employee benefits$2,144,0003,217
Premises and equipment expense$403,0004,509
Additional noninterest expense$999,0004,027
Pre-tax net operating income$4,044,0001,823
Securities gains (losses)$03,155
Applicable income taxes$6,0008,581
Income before extraordinary items$4,038,0001,344
Extraordinary gains, net$035
Net income$4,038,0001,344
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,0005,094
Cash dividends$3,782,000811
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$4,038,0001,322
1998-12-31 (YTD Data)Rank
Total interest income$12,175,0002,679
Total interest expense$4,990,0003,006
Net interest income$7,185,0002,371
Provision for loan and lease losses$165,0003,956
Total noninterest income$694,0004,012
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$508,0002,532
Trading account gains and fees$0224
Additional Noninterest Income$186,0005,150
Total noninterest expense$3,455,0003,657
Salaries and employee benefits$2,091,0003,191
Premises and equipment expense$382,0004,585
Additional noninterest expense$982,0004,021
Pre-tax net operating income$4,259,0001,728
Securities gains (losses)$04,449
Applicable income taxes$12,0009,035
Income before extraordinary items$4,247,0001,257
Extraordinary gains, net$032
Net income$4,247,0001,257
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$37,0005,453
Cash dividends$2,799,0001,041
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$4,247,0001,211
1997-12-31 (YTD Data)Rank
Total interest income$11,893,0002,761
Total interest expense$4,887,0003,043
Net interest income$7,006,0002,479
Provision for loan and lease losses$-200,00010,822
Total noninterest income$658,0004,154
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$517,0002,542
Trading account gains and fees$0239
Additional Noninterest Income$141,0005,858
Total noninterest expense$3,424,0003,675
Salaries and employee benefits$2,115,0003,127
Premises and equipment expense$441,0004,106
Additional noninterest expense$868,0004,450
Pre-tax net operating income$4,440,0001,724
Securities gains (losses)$6,0002,665
Applicable income taxes$327,0005,489
Income before extraordinary items$4,119,0001,323
Extraordinary gains, net$044
Net income$4,119,0001,324
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0008,093
Cash dividends$2,199,0001,206
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$4,113,4201,290
1996-12-31 (YTD Data)Rank
Total interest income$11,429,0002,894
Total interest expense$4,648,0003,214
Net interest income$6,781,0002,596
Provision for loan and lease losses$09,041
Total noninterest income$657,0004,285
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$434,0003,101
Trading account gains and fees$0262
Additional Noninterest Income$223,0004,881
Total noninterest expense$3,377,0003,911
Salaries and employee benefits$2,019,0003,309
Premises and equipment expense$426,0004,317
Additional noninterest expense$932,0004,638
Pre-tax net operating income$4,061,0001,775
Securities gains (losses)$67,0001,163
Applicable income taxes$1,157,0002,068
Income before extraordinary items$2,971,0001,674
Extraordinary gains, net$053
Net income$2,971,0001,675
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0008,286
Cash dividends$3,260,000892
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,922,7601,666
1995-12-31 (YTD Data)Rank
Total interest income$10,970,0003,021
Total interest expense$4,487,0003,315
Net interest income$6,483,0002,749
Provision for loan and lease losses$08,958
Total noninterest income$664,0004,258
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$414,0003,258
Trading account gains and fees$0522
Additional Noninterest Income$250,0004,479
Total noninterest expense$3,452,0003,792
Salaries and employee benefits$1,950,0003,384
Premises and equipment expense$433,0004,241
Additional noninterest expense$1,069,0004,129
Pre-tax net operating income$3,695,0001,990
Securities gains (losses)$29,0001,653
Applicable income taxes$1,037,0002,302
Income before extraordinary items$2,687,0001,870
Extraordinary gains, net$065
Net income$2,687,0001,869
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0006,571
Cash dividends$1,650,0001,405
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,666,1201,863
1994-12-31 (YTD Data)Rank
Total interest income$10,419,0002,922
Total interest expense$3,429,0003,506
Net interest income$6,990,0002,582
Provision for loan and lease losses$09,146
Total noninterest income$647,0004,391
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$376,0003,597
Trading account gains and fees$0475
Additional Noninterest Income$271,0004,379
Total noninterest expense$3,786,0003,589
Salaries and employee benefits$1,976,0003,327
Premises and equipment expense$480,0003,931
Additional noninterest expense$1,330,0003,701
Pre-tax net operating income$3,851,0001,841
Securities gains (losses)$43,0001,243
Applicable income taxes$1,057,0002,111
Income before extraordinary items$2,837,0001,734
Extraordinary gains, net$0249
Net income$2,837,0001,733
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$52,0005,032
Cash dividends$1,500,0001,399
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,805,6101,747
1993-12-31 (YTD Data)Rank
Total interest income$11,110,0002,792
Total interest expense$3,489,0003,599
Net interest income$7,621,0002,347
Provision for loan and lease losses$154,0004,583
Total noninterest income$699,0004,448
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$350,0003,870
Trading account gains and fees$0532
Additional Noninterest Income$349,0004,111
Total noninterest expense$3,836,0003,620
Salaries and employee benefits$1,959,0003,354
Premises and equipment expense$530,0003,684
Additional noninterest expense$1,347,0003,826
Pre-tax net operating income$4,330,0001,610
Securities gains (losses)$280,0001,363
Applicable income taxes$1,333,0001,749
Income before extraordinary items$3,277,0001,559
Extraordinary gains, net$03,149
Net income$3,277,0001,609
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$77,0005,115
Cash dividends$540,0002,896
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$3,078,2001,558
1992-12-31 (YTD Data)Rank
Total interest income$11,973,0002,929
Total interest expense$4,668,0003,519
Net interest income$7,305,0002,491
Provision for loan and lease losses$254,0004,549
Total noninterest income$773,0004,069
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$308,0004,353
Trading account gains and fees$0504
Additional Noninterest Income$465,0003,344
Total noninterest expense$3,634,0003,806
Salaries and employee benefits$1,849,0003,452
Premises and equipment expense$546,0003,669
Additional noninterest expense$1,239,0004,224
Pre-tax net operating income$4,190,0001,509
Securities gains (losses)$57,0003,915
Applicable income taxes$1,245,0001,690
Income before extraordinary items$3,002,0001,543
Extraordinary gains, net$01,422
Net income$3,002,0001,554
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,00010,379
Cash dividends$510,0002,726
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,961,5301,443

* 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.