Crystal Lake Bank and Trust Company, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$93,374,000572
Total interest expense$31,069,000573
Net interest income$62,305,000562
Provision for loan and lease losses$2,194,000532
Total noninterest income$4,532,0001,258
Gross Fiduciary activities income$0981
Service charges on deposit accounts$681,0001,349
Trading account gains and fees$831,00068
Additional Noninterest Income$3,020,0001,243
Total noninterest expense$23,938,0001,046
Salaries and employee benefits$10,567,0001,287
Premises and equipment expense$2,934,000886
Additional noninterest expense$3,020,0001,243
Pre-tax net operating income$40,705,000412
Securities gains (losses)$70,000326
Applicable income taxes$10,774,000326
Income before extraordinary items$30,001,000425
Extraordinary gains, net$054
Net income$30,001,000429
Minority interest net income$088
Net income of bank and minority interests.$30,001,000426
Net charge-offs$514,000746
Cash dividends$5,000,000804
Sale, conversion, retirement of capital stock, net$365,000303
Net operating income$29,945,700436
2023-09-30 (YTD Data)Rank
Total interest income$68,299,000577
Total interest expense$21,292,000579
Net interest income$47,007,000566
Provision for loan and lease losses$467,0001,040
Total noninterest income$3,080,0001,320
Gross Fiduciary activities income$0950
Service charges on deposit accounts$514,0001,336
Trading account gains and fees$557,00073
Additional Noninterest Income$2,009,0001,355
Total noninterest expense$16,360,0001,122
Salaries and employee benefits$8,036,0001,280
Premises and equipment expense$1,194,0001,466
Additional noninterest expense$2,009,0001,355
Pre-tax net operating income$33,260,000396
Securities gains (losses)$-85,0003,963
Applicable income taxes$8,857,000322
Income before extraordinary items$24,318,000419
Extraordinary gains, net$052
Net income$24,318,000423
Minority interest net income$081
Net income of bank and minority interests.$24,318,000419
Net charge-offs$252,000786
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$268,000295
Net operating income$24,385,150425
2023-06-30 (YTD Data)Rank
Total interest income$43,234,000574
Total interest expense$12,271,000583
Net interest income$30,963,000567
Provision for loan and lease losses$461,000815
Total noninterest income$2,151,0001,248
Gross Fiduciary activities income$0931
Service charges on deposit accounts$338,0001,339
Trading account gains and fees$409,00068
Additional Noninterest Income$1,404,0001,230
Total noninterest expense$10,996,0001,105
Salaries and employee benefits$5,361,0001,276
Premises and equipment expense$814,0001,433
Additional noninterest expense$1,404,0001,229
Pre-tax net operating income$21,657,000411
Securities gains (losses)$23,000433
Applicable income taxes$5,790,000328
Income before extraordinary items$15,890,000418
Extraordinary gains, net$051
Net income$15,890,000427
Minority interest net income$081
Net income of bank and minority interests.$15,890,000419
Net charge-offs$173,000722
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$175,000292
Net operating income$15,871,830425
2023-03-31 (YTD Data)Rank
Total interest income$20,318,000597
Total interest expense$5,162,000592
Net interest income$15,156,000590
Provision for loan and lease losses$-370,0004,613
Total noninterest income$1,458,0001,019
Gross Fiduciary activities income$0913
Service charges on deposit accounts$171,0001,345
Trading account gains and fees$251,00071
Additional Noninterest Income$1,036,000938
Total noninterest expense$5,575,0001,114
Salaries and employee benefits$2,648,0001,297
Premises and equipment expense$426,0001,414
Additional noninterest expense$1,036,000938
Pre-tax net operating income$11,409,000399
Securities gains (losses)$66,000222
Applicable income taxes$3,043,000324
Income before extraordinary items$8,432,000415
Extraordinary gains, net$04
Net income$8,432,000415
Minority interest net income$048
Net income of bank and minority interests.$8,432,000416
Net charge-offs$-9,0004,009
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$88,000267
Net operating income$8,379,860422
2022-09-30 (YTD Data)Rank
Total interest income$32,611,000811
Total interest expense$3,378,000671
Net interest income$29,233,000834
Provision for loan and lease losses$1,403,000496
Total noninterest income$2,674,0001,491
Gross Fiduciary activities income$0968
Service charges on deposit accounts$600,0001,216
Trading account gains and fees$384,00088
Additional Noninterest Income$1,690,0001,536
Total noninterest expense$14,180,0001,231
Salaries and employee benefits$6,538,0001,468
Premises and equipment expense$1,033,0001,638
Additional noninterest expense$1,690,0001,536
Pre-tax net operating income$16,324,000703
Securities gains (losses)$-407,0004,458
Applicable income taxes$4,269,000560
Income before extraordinary items$11,648,000785
Extraordinary gains, net$04
Net income$11,648,000785
Minority interest net income$057
Net income of bank and minority interests.$11,648,000785
Net charge-offs$210,000677
Cash dividends$5,000,000575
Sale, conversion, retirement of capital stock, net$289,000321
Net operating income$11,969,530770
2022-06-30 (YTD Data)Rank
Total interest income$19,220,000862
Total interest expense$1,644,000705
Net interest income$17,576,000872
Provision for loan and lease losses$411,000773
Total noninterest income$1,891,0001,431
Gross Fiduciary activities income$0925
Service charges on deposit accounts$411,0001,174
Trading account gains and fees$345,00076
Additional Noninterest Income$1,135,0001,547
Total noninterest expense$9,277,0001,241
Salaries and employee benefits$4,236,0001,500
Premises and equipment expense$699,0001,633
Additional noninterest expense$4,342,000863
Pre-tax net operating income$9,779,000718
Securities gains (losses)$-265,0004,502
Applicable income taxes$2,578,000561
Income before extraordinary items$6,936,000815
Extraordinary gains, net$04
Net income$6,936,000815
Minority interest net income$060
Net income of bank and minority interests.$6,936,000815
Net charge-offs$189,000550
Cash dividends$5,000,000418
Sale, conversion, retirement of capital stock, net$164,000318
Net operating income$7,145,350805
2022-03-31 (YTD Data)Rank
Total interest income$9,101,000880
Total interest expense$789,000701
Net interest income$8,312,000890
Provision for loan and lease losses$280,000528
Total noninterest income$891,0001,476
Gross Fiduciary activities income$0892
Service charges on deposit accounts$199,0001,189
Trading account gains and fees$200,00077
Additional Noninterest Income$492,0001,685
Total noninterest expense$4,618,0001,242
Salaries and employee benefits$2,109,0001,510
Premises and equipment expense$347,0001,653
Additional noninterest expense$2,162,000862
Pre-tax net operating income$4,305,000772
Securities gains (losses)$-152,0004,575
Applicable income taxes$1,118,000599
Income before extraordinary items$3,035,000881
Extraordinary gains, net$04
Net income$3,035,000880
Minority interest net income$050
Net income of bank and minority interests.$3,035,000881
Net charge-offs$112,000474
Cash dividends$02,284
Sale, conversion, retirement of capital stock, net$90,000285
Net operating income$3,155,080860
2021-12-31 (YTD Data)Rank
Total interest income$35,911,000915
Total interest expense$4,248,000631
Net interest income$31,663,000927
Provision for loan and lease losses$-2,687,0004,625
Total noninterest income$3,963,0001,528
Gross Fiduciary activities income$0994
Service charges on deposit accounts$753,0001,183
Trading account gains and fees$525,00091
Additional Noninterest Income$2,685,0001,595
Total noninterest expense$18,717,0001,224
Salaries and employee benefits$8,129,0001,545
Premises and equipment expense$1,436,0001,573
Additional noninterest expense$9,152,000838
Pre-tax net operating income$19,596,000748
Securities gains (losses)$-90,0004,641
Applicable income taxes$5,291,000600
Income before extraordinary items$14,215,000862
Extraordinary gains, net$010
Net income$14,215,000863
Minority interest net income$074
Net income of bank and minority interests.$14,215,000863
Net charge-offs$256,000905
Cash dividends$03,608
Sale, conversion, retirement of capital stock, net$166,000422
Net operating income$14,286,100843
2021-09-30 (YTD Data)Rank
Total interest income$26,777,000933
Total interest expense$3,406,000628
Net interest income$23,371,000953
Provision for loan and lease losses$-3,061,0004,721
Total noninterest income$2,938,0001,576
Gross Fiduciary activities income$0957
Service charges on deposit accounts$547,0001,206
Trading account gains and fees$448,00091
Additional Noninterest Income$1,943,0001,702
Total noninterest expense$13,936,0001,229
Salaries and employee benefits$6,116,0001,543
Premises and equipment expense$1,074,0001,601
Additional noninterest expense$6,746,000851
Pre-tax net operating income$15,434,000745
Securities gains (losses)$-62,0004,753
Applicable income taxes$4,125,000608
Income before extraordinary items$11,247,000856
Extraordinary gains, net$08
Net income$11,247,000856
Minority interest net income$069
Net income of bank and minority interests.$11,247,000856
Net charge-offs$200,000792
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$86,000428
Net operating income$11,295,980836
2021-06-30 (YTD Data)Rank
Total interest income$17,814,000930
Total interest expense$2,472,000596
Net interest income$15,342,000957
Provision for loan and lease losses$-2,858,0004,771
Total noninterest income$1,481,0001,816
Gross Fiduciary activities income$0951
Service charges on deposit accounts$349,0001,214
Trading account gains and fees$-2,0001,293
Additional Noninterest Income$1,134,0001,791
Total noninterest expense$9,436,0001,208
Salaries and employee benefits$4,136,0001,522
Premises and equipment expense$781,0001,491
Additional noninterest expense$4,519,000840
Pre-tax net operating income$10,245,000747
Securities gains (losses)$-43,0004,791
Applicable income taxes$2,731,000601
Income before extraordinary items$7,471,000854
Extraordinary gains, net$06
Net income$7,471,000853
Minority interest net income$067
Net income of bank and minority interests.$7,471,000854
Net charge-offs$203,000650
Cash dividends$03,104
Sale, conversion, retirement of capital stock, net$53,000421
Net operating income$7,504,970826
2021-03-31 (YTD Data)Rank
Total interest income$8,910,000920
Total interest expense$1,349,000579
Net interest income$7,561,000953
Provision for loan and lease losses$-1,453,0004,815
Total noninterest income$716,0001,851
Gross Fiduciary activities income$0922
Service charges on deposit accounts$176,0001,202
Trading account gains and fees$-2,0001,300
Additional Noninterest Income$542,0001,838
Total noninterest expense$4,518,0001,238
Salaries and employee benefits$1,982,0001,559
Premises and equipment expense$388,0001,515
Additional noninterest expense$2,148,000851
Pre-tax net operating income$5,212,000741
Securities gains (losses)$-47,0004,836
Applicable income taxes$1,374,000601
Income before extraordinary items$3,791,000846
Extraordinary gains, net$03
Net income$3,791,000846
Minority interest net income$055
Net income of bank and minority interests.$3,791,000846
Net charge-offs$228,000402
Cash dividends$02,452
Sale, conversion, retirement of capital stock, net$20,000411
Net operating income$3,828,130819
2020-12-31 (YTD Data)Rank
Total interest income$39,259,000856
Total interest expense$7,732,000630
Net interest income$31,527,000895
Provision for loan and lease losses$4,947,000581
Total noninterest income$2,561,0001,869
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$755,0001,185
Trading account gains and fees$731,000101
Additional Noninterest Income$1,075,0002,408
Total noninterest expense$17,935,0001,207
Salaries and employee benefits$7,087,0001,674
Premises and equipment expense$1,381,0001,622
Additional noninterest expense$9,467,000773
Pre-tax net operating income$11,206,000966
Securities gains (losses)$33,0001,912
Applicable income taxes$2,968,000699
Income before extraordinary items$8,271,0001,120
Extraordinary gains, net$04
Net income$8,271,0001,119
Minority interest net income$072
Net income of bank and minority interests.$8,271,0001,120
Net charge-offs$501,000971
Cash dividends$11,000,000420
Sale, conversion, retirement of capital stock, net$-72,0004,929
Net operating income$8,244,9301,087
2020-09-30 (YTD Data)Rank
Total interest income$30,163,000836
Total interest expense$6,207,000632
Net interest income$23,956,000887
Provision for loan and lease losses$4,610,000517
Total noninterest income$1,930,0001,825
Gross Fiduciary activities income$0981
Service charges on deposit accounts$562,0001,185
Trading account gains and fees$676,00093
Additional Noninterest Income$692,0002,519
Total noninterest expense$13,764,0001,167
Salaries and employee benefits$5,405,0001,631
Premises and equipment expense$1,004,0001,657
Additional noninterest expense$7,355,000741
Pre-tax net operating income$7,512,0001,023
Securities gains (losses)$37,0001,675
Applicable income taxes$2,072,000711
Income before extraordinary items$5,477,0001,189
Extraordinary gains, net$04
Net income$5,477,0001,188
Minority interest net income$065
Net income of bank and minority interests.$5,477,0001,189
Net charge-offs$399,000871
Cash dividends$11,000,000336
Sale, conversion, retirement of capital stock, net$-28,0004,972
Net operating income$5,447,7701,153
2020-06-30 (YTD Data)Rank
Total interest income$20,981,000809
Total interest expense$4,511,000627
Net interest income$16,470,000857
Provision for loan and lease losses$3,958,000474
Total noninterest income$1,510,0001,619
Gross Fiduciary activities income$0970
Service charges on deposit accounts$380,0001,180
Trading account gains and fees$670,00084
Additional Noninterest Income$460,0002,448
Total noninterest expense$9,312,0001,149
Salaries and employee benefits$3,720,0001,580
Premises and equipment expense$730,0001,544
Additional noninterest expense$4,862,000735
Pre-tax net operating income$4,710,0001,006
Securities gains (losses)$37,0001,432
Applicable income taxes$1,295,000683
Income before extraordinary items$3,452,0001,174
Extraordinary gains, net$04
Net income$3,452,0001,174
Minority interest net income$065
Net income of bank and minority interests.$3,452,0001,174
Net charge-offs$200,0001,012
Cash dividends$11,000,000260
Sale, conversion, retirement of capital stock, net$-32,0005,006
Net operating income$3,422,7701,157
2020-03-31 (YTD Data)Rank
Total interest income$10,794,000779
Total interest expense$2,470,000646
Net interest income$8,324,000832
Provision for loan and lease losses$969,000631
Total noninterest income$1,102,0001,210
Gross Fiduciary activities income$0941
Service charges on deposit accounts$210,0001,255
Trading account gains and fees$580,00069
Additional Noninterest Income$312,0001,965
Total noninterest expense$4,082,0001,301
Salaries and employee benefits$1,829,0001,617
Premises and equipment expense$377,0001,517
Additional noninterest expense$1,876,000931
Pre-tax net operating income$4,375,000529
Securities gains (losses)$27,0001,058
Applicable income taxes$1,174,000405
Income before extraordinary items$3,228,000607
Extraordinary gains, net$04
Net income$3,228,000608
Minority interest net income$056
Net income of bank and minority interests.$3,228,000607
Net charge-offs$75,0001,015
Cash dividends$11,000,000178
Sale, conversion, retirement of capital stock, net$-29,0005,063
Net operating income$3,206,670592
2019-12-31 (YTD Data)Rank
Total interest income$47,885,000722
Total interest expense$10,728,000649
Net interest income$37,157,000737
Provision for loan and lease losses$607,0001,323
Total noninterest income$2,669,0001,682
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$858,0001,264
Trading account gains and fees$1,097,00088
Additional Noninterest Income$714,0002,629
Total noninterest expense$16,468,0001,252
Salaries and employee benefits$7,209,0001,583
Premises and equipment expense$1,768,0001,301
Additional noninterest expense$7,491,000909
Pre-tax net operating income$22,751,000551
Securities gains (losses)$79,0001,050
Applicable income taxes$5,946,000450
Income before extraordinary items$16,884,000610
Extraordinary gains, net$011
Net income$16,884,000609
Minority interest net income$076
Net income of bank and minority interests.$16,884,000611
Net charge-offs$230,0001,563
Cash dividends$03,944
Sale, conversion, retirement of capital stock, net$92,000487
Net operating income$16,821,590599
2019-09-30 (YTD Data)Rank
Total interest income$36,080,000721
Total interest expense$8,076,000649
Net interest income$28,004,000739
Provision for loan and lease losses$746,000868
Total noninterest income$2,374,0001,512
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$632,0001,280
Trading account gains and fees$1,015,00081
Additional Noninterest Income$727,0002,282
Total noninterest expense$12,227,0001,266
Salaries and employee benefits$5,297,0001,621
Premises and equipment expense$1,317,0001,313
Additional noninterest expense$5,613,000897
Pre-tax net operating income$17,405,000550
Securities gains (losses)$85,000858
Applicable income taxes$4,549,000451
Income before extraordinary items$12,941,000607
Extraordinary gains, net$011
Net income$12,941,000607
Minority interest net income$072
Net income of bank and minority interests.$12,941,000607
Net charge-offs$296,0001,044
Cash dividends$03,588
Sale, conversion, retirement of capital stock, net$71,000454
Net operating income$12,873,850603
2019-06-30 (YTD Data)Rank
Total interest income$23,480,000731
Total interest expense$5,262,000655
Net interest income$18,218,000759
Provision for loan and lease losses$346,0001,111
Total noninterest income$1,110,0001,847
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$423,0001,264
Trading account gains and fees$203,000105
Additional Noninterest Income$484,0002,247
Total noninterest expense$8,160,0001,275
Salaries and employee benefits$3,515,0001,629
Premises and equipment expense$898,0001,294
Additional noninterest expense$3,747,000907
Pre-tax net operating income$10,822,000562
Securities gains (losses)$56,000719
Applicable income taxes$2,827,000469
Income before extraordinary items$8,051,000620
Extraordinary gains, net$011
Net income$8,051,000620
Minority interest net income$069
Net income of bank and minority interests.$8,051,000620
Net charge-offs$162,0001,125
Cash dividends$03,456
Sale, conversion, retirement of capital stock, net$54,000428
Net operating income$8,006,760611
2019-03-31 (YTD Data)Rank
Total interest income$11,590,000736
Total interest expense$2,545,000662
Net interest income$9,045,000765
Provision for loan and lease losses$272,000755
Total noninterest income$600,0001,731
Gross Fiduciary activities income$0972
Service charges on deposit accounts$209,0001,269
Trading account gains and fees$90,000103
Additional Noninterest Income$301,0001,958
Total noninterest expense$4,009,0001,288
Salaries and employee benefits$1,737,0001,664
Premises and equipment expense$472,0001,264
Additional noninterest expense$1,800,000929
Pre-tax net operating income$5,364,000561
Securities gains (losses)$17,000607
Applicable income taxes$1,370,000472
Income before extraordinary items$4,011,000614
Extraordinary gains, net$05
Net income$4,011,000614
Minority interest net income$052
Net income of bank and minority interests.$4,011,000613
Net charge-offs$147,000743
Cash dividends$02,803
Sale, conversion, retirement of capital stock, net$29,000386
Net operating income$3,997,570599
2018-12-31 (YTD Data)Rank
Total interest income$39,953,000789
Total interest expense$8,286,000613
Net interest income$31,667,000844
Provision for loan and lease losses$451,0001,543
Total noninterest income$1,453,0002,375
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$911,0001,247
Trading account gains and fees$0126
Additional Noninterest Income$542,0002,958
Total noninterest expense$15,855,0001,280
Salaries and employee benefits$6,695,0001,665
Premises and equipment expense$1,717,0001,338
Additional noninterest expense$7,443,000896
Pre-tax net operating income$16,814,000679
Securities gains (losses)$-98,0005,009
Applicable income taxes$4,252,000532
Income before extraordinary items$12,464,000751
Extraordinary gains, net$06
Net income$12,464,000750
Minority interest net income$072
Net income of bank and minority interests.$12,464,000750
Net charge-offs$56,0002,565
Cash dividends$1,500,0001,725
Sale, conversion, retirement of capital stock, net$127,000460
Net operating income$12,541,420747
2018-09-30 (YTD Data)Rank
Total interest income$29,234,000795
Total interest expense$5,832,000610
Net interest income$23,402,000851
Provision for loan and lease losses$299,0001,595
Total noninterest income$1,128,0002,343
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$683,0001,261
Trading account gains and fees$6,000135
Additional Noninterest Income$439,0002,914
Total noninterest expense$11,928,0001,266
Salaries and employee benefits$5,012,0001,678
Premises and equipment expense$1,277,0001,350
Additional noninterest expense$5,639,000876
Pre-tax net operating income$12,303,000696
Securities gains (losses)$-110,0005,254
Applicable income taxes$3,149,000545
Income before extraordinary items$9,044,000780
Extraordinary gains, net$05
Net income$9,044,000779
Minority interest net income$066
Net income of bank and minority interests.$9,044,000779
Net charge-offs$-62,0004,986
Cash dividends$1,500,0001,289
Sale, conversion, retirement of capital stock, net$98,000434
Net operating income$9,130,900772
2018-06-30 (YTD Data)Rank
Total interest income$18,766,000811
Total interest expense$3,522,000630
Net interest income$15,244,000863
Provision for loan and lease losses$148,0001,859
Total noninterest income$749,0002,355
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$456,0001,254
Trading account gains and fees$5,000128
Additional Noninterest Income$288,0002,944
Total noninterest expense$7,815,0001,292
Salaries and employee benefits$3,297,0001,695
Premises and equipment expense$827,0001,398
Additional noninterest expense$3,691,000891
Pre-tax net operating income$8,030,000703
Securities gains (losses)$-101,0005,350
Applicable income taxes$2,032,000548
Income before extraordinary items$5,897,000780
Extraordinary gains, net$06
Net income$5,897,000779
Minority interest net income$065
Net income of bank and minority interests.$5,897,000779
Net charge-offs$-195,0005,343
Cash dividends$03,485
Sale, conversion, retirement of capital stock, net$67,000412
Net operating income$5,976,790771
2018-03-31 (YTD Data)Rank
Total interest income$9,021,000834
Total interest expense$1,510,000674
Net interest income$7,511,000866
Provision for loan and lease losses$275,000752
Total noninterest income$266,0002,777
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$231,0001,241
Trading account gains and fees$6,000116
Additional Noninterest Income$29,0004,612
Total noninterest expense$3,895,0001,299
Salaries and employee benefits$1,711,0001,665
Premises and equipment expense$397,0001,457
Additional noninterest expense$1,787,000905
Pre-tax net operating income$3,607,000736
Securities gains (losses)$-91,0005,467
Applicable income taxes$888,000586
Income before extraordinary items$2,628,000836
Extraordinary gains, net$07
Net income$2,628,000836
Minority interest net income$052
Net income of bank and minority interests.$2,628,000836
Net charge-offs$51,0001,187
Cash dividends$02,774
Sale, conversion, retirement of capital stock, net$35,000373
Net operating income$2,699,890808
2017-12-31 (YTD Data)Rank
Total interest income$33,377,000857
Total interest expense$5,165,000658
Net interest income$28,212,000893
Provision for loan and lease losses$382,0001,709
Total noninterest income$1,165,0002,728
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$883,0001,311
Trading account gains and fees$7,000146
Additional Noninterest Income$275,0003,891
Total noninterest expense$14,998,0001,324
Salaries and employee benefits$6,439,0001,708
Premises and equipment expense$1,713,0001,341
Additional noninterest expense$6,846,000953
Pre-tax net operating income$13,997,000733
Securities gains (losses)$5,0001,791
Applicable income taxes$5,553,000621
Income before extraordinary items$8,449,000861
Extraordinary gains, net$09
Net income$8,449,000862
Minority interest net income$076
Net income of bank and minority interests.$8,449,000861
Net charge-offs$306,0001,465
Cash dividends$7,000,000497
Sale, conversion, retirement of capital stock, net$129,000463
Net operating income$8,445,800852
2017-09-30 (YTD Data)Rank
Total interest income$24,734,000863
Total interest expense$3,726,000661
Net interest income$21,008,000900
Provision for loan and lease losses$343,0001,497
Total noninterest income$692,0003,078
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$643,0001,361
Trading account gains and fees$-28,0002,093
Additional Noninterest Income$77,0004,826
Total noninterest expense$11,123,0001,334
Salaries and employee benefits$4,707,0001,752
Premises and equipment expense$1,314,0001,335
Additional noninterest expense$5,102,000961
Pre-tax net operating income$10,234,000750
Securities gains (losses)$5,0001,816
Applicable income taxes$3,912,000571
Income before extraordinary items$6,327,000936
Extraordinary gains, net$09
Net income$6,327,000936
Minority interest net income$071
Net income of bank and minority interests.$6,327,000936
Net charge-offs$251,0001,240
Cash dividends$3,000,000755
Sale, conversion, retirement of capital stock, net$81,000443
Net operating income$6,323,800923
2017-06-30 (YTD Data)Rank
Total interest income$16,024,000879
Total interest expense$2,293,000695
Net interest income$13,731,000913
Provision for loan and lease losses$160,0001,764
Total noninterest income$598,0002,719
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$415,0001,374
Trading account gains and fees$-24,0002,194
Additional Noninterest Income$207,0003,430
Total noninterest expense$7,540,0001,318
Salaries and employee benefits$3,151,0001,747
Premises and equipment expense$958,0001,229
Additional noninterest expense$3,431,000951
Pre-tax net operating income$6,629,000750
Securities gains (losses)$3,0001,556
Applicable income taxes$2,527,000575
Income before extraordinary items$4,105,000942
Extraordinary gains, net$011
Net income$4,105,000943
Minority interest net income$071
Net income of bank and minority interests.$4,105,000942
Net charge-offs$185,0001,103
Cash dividends$3,000,000535
Sale, conversion, retirement of capital stock, net$56,000416
Net operating income$4,103,080931
2017-03-31 (YTD Data)Rank
Total interest income$7,614,000920
Total interest expense$1,024,000758
Net interest income$6,590,000950
Provision for loan and lease losses$101,0001,430
Total noninterest income$195,0003,337
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$208,0001,372
Trading account gains and fees$-13,0002,364
Additional Noninterest Income$05,747
Total noninterest expense$3,642,0001,372
Salaries and employee benefits$1,616,0001,735
Premises and equipment expense$444,0001,328
Additional noninterest expense$1,582,0001,017
Pre-tax net operating income$3,042,000797
Securities gains (losses)$01,153
Applicable income taxes$1,143,000595
Income before extraordinary items$1,899,000996
Extraordinary gains, net$08
Net income$1,899,000997
Minority interest net income$055
Net income of bank and minority interests.$1,899,000996
Net charge-offs$128,000790
Cash dividends$3,000,000280
Sale, conversion, retirement of capital stock, net$30,000382
Net operating income$1,899,000979
2016-12-31 (YTD Data)Rank
Total interest income$31,081,000865
Total interest expense$4,998,000603
Net interest income$26,083,000926
Provision for loan and lease losses$1,885,000541
Total noninterest income$3,111,0001,598
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$843,0001,388
Trading account gains and fees$940,00084
Additional Noninterest Income$1,328,0002,051
Total noninterest expense$14,846,0001,334
Salaries and employee benefits$6,794,0001,590
Premises and equipment expense$1,594,0001,434
Additional noninterest expense$6,458,0001,014
Pre-tax net operating income$12,463,000763
Securities gains (losses)$668,000334
Applicable income taxes$5,036,000556
Income before extraordinary items$8,095,000921
Extraordinary gains, net$05
Net income$8,095,000920
Minority interest net income$082
Net income of bank and minority interests.$8,095,000920
Net charge-offs$1,518,000479
Cash dividends$6,000,000561
Sale, conversion, retirement of capital stock, net$119,000476
Net operating income$7,667,480949
2016-09-30 (YTD Data)Rank
Total interest income$22,757,000885
Total interest expense$3,771,000589
Net interest income$18,986,000949
Provision for loan and lease losses$1,371,000545
Total noninterest income$2,378,0001,584
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$629,0001,394
Trading account gains and fees$557,00088
Additional Noninterest Income$1,192,0001,825
Total noninterest expense$11,044,0001,337
Salaries and employee benefits$5,118,0001,585
Premises and equipment expense$1,178,0001,456
Additional noninterest expense$4,748,0001,044
Pre-tax net operating income$8,949,000794
Securities gains (losses)$548,000356
Applicable income taxes$3,632,000573
Income before extraordinary items$5,865,000957
Extraordinary gains, net$05
Net income$5,865,000957
Minority interest net income$071
Net income of bank and minority interests.$5,865,000957
Net charge-offs$1,254,000407
Cash dividends$4,000,000598
Sale, conversion, retirement of capital stock, net$72,000467
Net operating income$5,514,280998
2016-06-30 (YTD Data)Rank
Total interest income$15,289,000878
Total interest expense$2,480,000596
Net interest income$12,809,000937
Provision for loan and lease losses$870,000565
Total noninterest income$1,709,0001,476
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$417,0001,384
Trading account gains and fees$461,00073
Additional Noninterest Income$831,0001,757
Total noninterest expense$7,263,0001,358
Salaries and employee benefits$3,455,0001,569
Premises and equipment expense$742,0001,539
Additional noninterest expense$3,066,0001,071
Pre-tax net operating income$6,385,000728
Securities gains (losses)$369,000366
Applicable income taxes$2,592,000538
Income before extraordinary items$4,162,000879
Extraordinary gains, net$016
Net income$4,162,000878
Minority interest net income$071
Net income of bank and minority interests.$4,162,000878
Net charge-offs$925,000378
Cash dividends$4,000,000443
Sale, conversion, retirement of capital stock, net$50,000446
Net operating income$3,925,840895
2016-03-31 (YTD Data)Rank
Total interest income$7,754,000862
Total interest expense$1,224,000603
Net interest income$6,530,000915
Provision for loan and lease losses$293,000727
Total noninterest income$963,0001,336
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$205,0001,404
Trading account gains and fees$408,00069
Additional Noninterest Income$350,0001,901
Total noninterest expense$3,646,0001,354
Salaries and employee benefits$1,839,0001,482
Premises and equipment expense$422,0001,374
Additional noninterest expense$1,385,0001,161
Pre-tax net operating income$3,554,000652
Securities gains (losses)$260,000237
Applicable income taxes$1,472,000484
Income before extraordinary items$2,342,000786
Extraordinary gains, net$012
Net income$2,342,000785
Minority interest net income$062
Net income of bank and minority interests.$2,342,000786
Net charge-offs$313,000474
Cash dividends$4,000,000239
Sale, conversion, retirement of capital stock, net$26,000408
Net operating income$2,175,600808
2015-12-31 (YTD Data)Rank
Total interest income$28,577,000905
Total interest expense$4,314,000651
Net interest income$24,263,000950
Provision for loan and lease losses$2,421,000380
Total noninterest income$3,075,0001,574
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$787,0001,500
Trading account gains and fees$607,00087
Additional Noninterest Income$1,681,0001,723
Total noninterest expense$14,111,0001,385
Salaries and employee benefits$6,470,0001,628
Premises and equipment expense$1,669,0001,388
Additional noninterest expense$5,972,0001,088
Pre-tax net operating income$10,806,000832
Securities gains (losses)$34,0001,912
Applicable income taxes$4,172,000600
Income before extraordinary items$6,668,0001,066
Extraordinary gains, net$023
Net income$6,668,0001,065
Minority interest net income$081
Net income of bank and minority interests.$6,668,0001,066
Net charge-offs$1,811,000408
Cash dividends$5,000,000661
Sale, conversion, retirement of capital stock, net$65,000566
Net operating income$6,646,2401,043
2015-09-30 (YTD Data)Rank
Total interest income$21,277,000920
Total interest expense$3,100,000679
Net interest income$18,177,000951
Provision for loan and lease losses$2,018,000335
Total noninterest income$2,378,0001,559
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$581,0001,527
Trading account gains and fees$611,00081
Additional Noninterest Income$1,186,0001,812
Total noninterest expense$10,555,0001,387
Salaries and employee benefits$4,922,0001,608
Premises and equipment expense$1,251,0001,394
Additional noninterest expense$4,382,0001,110
Pre-tax net operating income$7,982,000840
Securities gains (losses)$34,0001,718
Applicable income taxes$3,080,000624
Income before extraordinary items$4,936,0001,086
Extraordinary gains, net$021
Net income$4,936,0001,084
Minority interest net income$078
Net income of bank and minority interests.$4,936,0001,086
Net charge-offs$1,475,000353
Cash dividends$5,000,000479
Sale, conversion, retirement of capital stock, net$94,000461
Net operating income$4,914,2401,064
2015-06-30 (YTD Data)Rank
Total interest income$13,813,000939
Total interest expense$1,926,000728
Net interest income$11,887,000971
Provision for loan and lease losses$1,741,000274
Total noninterest income$1,477,0001,633
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$371,0001,568
Trading account gains and fees$483,00084
Additional Noninterest Income$623,0002,116
Total noninterest expense$7,049,0001,397
Salaries and employee benefits$3,252,0001,635
Premises and equipment expense$841,0001,401
Additional noninterest expense$2,956,0001,098
Pre-tax net operating income$4,574,000976
Securities gains (losses)$20,0001,718
Applicable income taxes$1,767,000695
Income before extraordinary items$2,827,0001,234
Extraordinary gains, net$022
Net income$2,827,0001,236
Minority interest net income$075
Net income of bank and minority interests.$2,827,0001,235
Net charge-offs$284,000938
Cash dividends$03,664
Sale, conversion, retirement of capital stock, net$66,000438
Net operating income$2,814,2001,208
2015-03-31 (YTD Data)Rank
Total interest income$6,800,000952
Total interest expense$945,000745
Net interest income$5,855,000982
Provision for loan and lease losses$1,124,000208
Total noninterest income$605,0001,863
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$178,0001,596
Trading account gains and fees$169,00085
Additional Noninterest Income$258,0002,312
Total noninterest expense$3,526,0001,385
Salaries and employee benefits$1,673,0001,602
Premises and equipment expense$432,0001,393
Additional noninterest expense$1,421,0001,119
Pre-tax net operating income$1,810,0001,140
Securities gains (losses)$20,0001,240
Applicable income taxes$696,000803
Income before extraordinary items$1,134,0001,431
Extraordinary gains, net$013
Net income$1,134,0001,434
Minority interest net income$064
Net income of bank and minority interests.$1,134,0001,433
Net charge-offs$181,000785
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$29,000424
Net operating income$1,121,2001,402
2014-12-31 (YTD Data)Rank
Total interest income$28,533,000882
Total interest expense$4,292,000673
Net interest income$24,241,000904
Provision for loan and lease losses$2,558,000390
Total noninterest income$1,789,0002,271
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$610,0001,934
Trading account gains and fees$65,000145
Additional Noninterest Income$1,114,0002,177
Total noninterest expense$14,104,0001,373
Salaries and employee benefits$6,490,0001,598
Premises and equipment expense$1,640,0001,455
Additional noninterest expense$5,974,0001,104
Pre-tax net operating income$9,368,000891
Securities gains (losses)$42,0001,849
Applicable income taxes$3,664,000623
Income before extraordinary items$5,746,0001,143
Extraordinary gains, net$017
Net income$5,746,0001,140
Minority interest net income$084
Net income of bank and minority interests.$5,746,0001,142
Net charge-offs$5,242,000227
Cash dividends$2,000,0001,263
Sale, conversion, retirement of capital stock, net$140,000490
Net operating income$5,719,1201,124
2014-09-30 (YTD Data)Rank
Total interest income$21,503,000883
Total interest expense$3,250,000669
Net interest income$18,253,000911
Provision for loan and lease losses$1,915,000365
Total noninterest income$1,273,0002,350
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$429,0002,050
Trading account gains and fees$65,000129
Additional Noninterest Income$779,0002,297
Total noninterest expense$10,693,0001,374
Salaries and employee benefits$4,935,0001,579
Premises and equipment expense$1,194,0001,497
Additional noninterest expense$4,564,0001,084
Pre-tax net operating income$6,918,000917
Securities gains (losses)$33,0001,724
Applicable income taxes$2,718,000636
Income before extraordinary items$4,233,0001,172
Extraordinary gains, net$015
Net income$4,233,0001,170
Minority interest net income$081
Net income of bank and minority interests.$4,233,0001,171
Net charge-offs$3,433,000246
Cash dividends$03,845
Sale, conversion, retirement of capital stock, net$87,000482
Net operating income$4,211,8801,153
2014-06-30 (YTD Data)Rank
Total interest income$14,333,000877
Total interest expense$2,202,000663
Net interest income$12,131,000904
Provision for loan and lease losses$2,040,000244
Total noninterest income$705,0002,590
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$266,0002,163
Trading account gains and fees$65,000131
Additional Noninterest Income$374,0002,742
Total noninterest expense$7,237,0001,355
Salaries and employee benefits$3,342,0001,562
Premises and equipment expense$840,0001,423
Additional noninterest expense$3,055,0001,063
Pre-tax net operating income$3,559,0001,117
Securities gains (losses)$18,0001,704
Applicable income taxes$1,396,000748
Income before extraordinary items$2,181,0001,422
Extraordinary gains, net$020
Net income$2,181,0001,424
Minority interest net income$080
Net income of bank and minority interests.$2,181,0001,424
Net charge-offs$1,850,000307
Cash dividends$03,668
Sale, conversion, retirement of capital stock, net$54,000468
Net operating income$2,169,4801,406
2014-03-31 (YTD Data)Rank
Total interest income$7,020,000898
Total interest expense$1,109,000666
Net interest income$5,911,000931
Provision for loan and lease losses$102,0001,578
Total noninterest income$384,0002,434
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$127,0002,211
Trading account gains and fees$-1,0006,684
Additional Noninterest Income$258,0002,215
Total noninterest expense$3,611,0001,370
Salaries and employee benefits$1,743,0001,507
Premises and equipment expense$455,0001,346
Additional noninterest expense$1,413,0001,130
Pre-tax net operating income$2,582,000771
Securities gains (losses)$5,0001,340
Applicable income taxes$1,019,000549
Income before extraordinary items$1,568,000995
Extraordinary gains, net$016
Net income$1,568,000995
Minority interest net income$066
Net income of bank and minority interests.$1,568,000996
Net charge-offs$627,000413
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$22,000457
Net operating income$1,564,800977
2013-12-31 (YTD Data)Rank
Total interest income$26,869,000944
Total interest expense$4,678,000715
Net interest income$22,191,000983
Provision for loan and lease losses$6,869,000220
Total noninterest income$953,0003,287
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$584,0002,111
Trading account gains and fees$43,000158
Additional Noninterest Income$326,0003,981
Total noninterest expense$13,436,0001,459
Salaries and employee benefits$5,978,0001,718
Premises and equipment expense$1,658,0001,431
Additional noninterest expense$5,800,0001,165
Pre-tax net operating income$2,839,0002,253
Securities gains (losses)$-261,0006,655
Applicable income taxes$949,0001,516
Income before extraordinary items$1,629,0003,007
Extraordinary gains, net$029
Net income$1,629,0003,009
Minority interest net income$090
Net income of bank and minority interests.$1,629,0003,010
Net charge-offs$7,014,000250
Cash dividends$04,350
Sale, conversion, retirement of capital stock, net$66,000603
Net operating income$1,796,0402,752
2013-09-30 (YTD Data)Rank
Total interest income$19,954,000956
Total interest expense$3,551,000727
Net interest income$16,403,0001,006
Provision for loan and lease losses$4,354,000239
Total noninterest income$584,0003,727
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$432,0002,144
Trading account gains and fees$45,000149
Additional Noninterest Income$107,0005,107
Total noninterest expense$10,148,0001,453
Salaries and employee benefits$4,674,0001,653
Premises and equipment expense$1,254,0001,431
Additional noninterest expense$4,220,0001,184
Pre-tax net operating income$2,485,0002,070
Securities gains (losses)$1,0002,916
Applicable income taxes$931,0001,318
Income before extraordinary items$1,555,0002,595
Extraordinary gains, net$025
Net income$1,555,0002,599
Minority interest net income$084
Net income of bank and minority interests.$1,555,0002,599
Net charge-offs$5,718,000228
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$98,000464
Net operating income$1,554,3602,507
2013-06-30 (YTD Data)Rank
Total interest income$13,152,000961
Total interest expense$2,422,000738
Net interest income$10,730,0001,014
Provision for loan and lease losses$3,506,000215
Total noninterest income$393,0003,741
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$277,0002,180
Trading account gains and fees$47,000123
Additional Noninterest Income$69,0005,176
Total noninterest expense$6,645,0001,480
Salaries and employee benefits$3,351,0001,551
Premises and equipment expense$862,0001,398
Additional noninterest expense$2,432,0001,357
Pre-tax net operating income$972,0002,953
Securities gains (losses)$02,791
Applicable income taxes$348,0001,871
Income before extraordinary items$624,0003,540
Extraordinary gains, net$022
Net income$624,0003,542
Minority interest net income$082
Net income of bank and minority interests.$624,0003,543
Net charge-offs$3,906,000255
Cash dividends$03,564
Sale, conversion, retirement of capital stock, net$70,000424
Net operating income$624,0003,435
2013-03-31 (YTD Data)Rank
Total interest income$6,470,000978
Total interest expense$1,216,000761
Net interest income$5,254,0001,037
Provision for loan and lease losses$1,350,000296
Total noninterest income$332,0002,855
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$135,0002,210
Trading account gains and fees$-6,0006,989
Additional Noninterest Income$203,0002,760
Total noninterest expense$3,284,0001,501
Salaries and employee benefits$1,710,0001,540
Premises and equipment expense$425,0001,440
Additional noninterest expense$1,149,0001,417
Pre-tax net operating income$952,0001,792
Securities gains (losses)$01,966
Applicable income taxes$358,0001,172
Income before extraordinary items$594,0002,276
Extraordinary gains, net$010
Net income$594,0002,278
Minority interest net income$076
Net income of bank and minority interests.$594,0002,278
Net charge-offs$1,282,000381
Cash dividends$02,726
Sale, conversion, retirement of capital stock, net$36,000386
Net operating income$594,0002,188
2012-12-31 (YTD Data)Rank
Total interest income$27,646,000948
Total interest expense$5,721,000771
Net interest income$21,925,0001,004
Provision for loan and lease losses$3,528,000675
Total noninterest income$1,331,0002,801
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$537,0002,343
Trading account gains and fees$125,000116
Additional Noninterest Income$669,0002,956
Total noninterest expense$12,837,0001,519
Salaries and employee benefits$6,188,0001,637
Premises and equipment expense$1,697,0001,406
Additional noninterest expense$4,952,0001,367
Pre-tax net operating income$6,891,0001,033
Securities gains (losses)$221,0001,611
Applicable income taxes$2,762,000657
Income before extraordinary items$4,350,0001,358
Extraordinary gains, net$029
Net income$4,350,0001,359
Minority interest net income$093
Net income of bank and minority interests.$4,350,0001,359
Net charge-offs$3,908,000694
Cash dividends$04,373
Sale, conversion, retirement of capital stock, net$111,000552
Net operating income$4,208,5601,315
2012-09-30 (YTD Data)Rank
Total interest income$20,892,000962
Total interest expense$4,408,000794
Net interest income$16,484,0001,005
Provision for loan and lease losses$3,373,000572
Total noninterest income$1,264,0002,443
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$400,0002,384
Trading account gains and fees$125,000105
Additional Noninterest Income$739,0002,388
Total noninterest expense$9,742,0001,507
Salaries and employee benefits$4,716,0001,606
Premises and equipment expense$1,295,0001,387
Additional noninterest expense$3,731,0001,362
Pre-tax net operating income$4,633,0001,156
Securities gains (losses)$154,0001,645
Applicable income taxes$1,861,000756
Income before extraordinary items$2,926,0001,517
Extraordinary gains, net$020
Net income$2,926,0001,518
Minority interest net income$086
Net income of bank and minority interests.$2,926,0001,518
Net charge-offs$2,099,000900
Cash dividends$03,773
Sale, conversion, retirement of capital stock, net$59,000567
Net operating income$2,827,4401,481
2012-06-30 (YTD Data)Rank
Total interest income$14,219,000955
Total interest expense$3,028,000792
Net interest income$11,191,000988
Provision for loan and lease losses$1,237,000923
Total noninterest income$788,0002,504
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$268,0002,358
Trading account gains and fees$80,000109
Additional Noninterest Income$440,0002,514
Total noninterest expense$6,517,0001,505
Salaries and employee benefits$3,173,0001,599
Premises and equipment expense$840,0001,414
Additional noninterest expense$2,504,0001,358
Pre-tax net operating income$4,225,000863
Securities gains (losses)$104,0001,569
Applicable income taxes$1,692,000583
Income before extraordinary items$2,637,0001,140
Extraordinary gains, net$019
Net income$2,637,0001,140
Minority interest net income$084
Net income of bank and minority interests.$2,637,0001,140
Net charge-offs$2,028,000681
Cash dividends$03,576
Sale, conversion, retirement of capital stock, net$41,000531
Net operating income$2,570,4401,094
2012-03-31 (YTD Data)Rank
Total interest income$7,201,000941
Total interest expense$1,556,000801
Net interest income$5,645,000973
Provision for loan and lease losses$774,000748
Total noninterest income$590,0001,933
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$133,0002,364
Trading account gains and fees$75,000101
Additional Noninterest Income$382,0001,809
Total noninterest expense$3,409,0001,441
Salaries and employee benefits$1,618,0001,561
Premises and equipment expense$422,0001,418
Additional noninterest expense$1,369,0001,228
Pre-tax net operating income$2,052,000873
Securities gains (losses)$-4,0006,988
Applicable income taxes$805,000594
Income before extraordinary items$1,243,0001,178
Extraordinary gains, net$019
Net income$1,243,0001,178
Minority interest net income$078
Net income of bank and minority interests.$1,243,0001,178
Net charge-offs$446,0001,177
Cash dividends$02,768
Sale, conversion, retirement of capital stock, net$20,000485
Net operating income$1,245,5601,117
2011-12-31 (YTD Data)Rank
Total interest income$28,107,000989
Total interest expense$7,188,000827
Net interest income$20,919,0001,060
Provision for loan and lease losses$12,960,000337
Total noninterest income$1,739,0002,216
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$544,0002,408
Trading account gains and fees$526,00079
Additional Noninterest Income$669,0002,703
Total noninterest expense$11,413,0001,690
Salaries and employee benefits$5,969,0001,640
Premises and equipment expense$1,349,0001,849
Additional noninterest expense$4,095,0001,675
Pre-tax net operating income$-1,715,0006,745
Securities gains (losses)$70,0002,337
Applicable income taxes$-681,0007,115
Income before extraordinary items$-964,0006,628
Extraordinary gains, net$029
Net income$-964,0006,629
Minority interest net income$096
Net income of bank and minority interests.$-964,0006,628
Net charge-offs$11,634,000390
Cash dividends$04,207
Sale, conversion, retirement of capital stock, net$145,000582
Net operating income$-1,008,8006,614
2011-09-30 (YTD Data)Rank
Total interest income$21,085,0001,005
Total interest expense$5,501,000855
Net interest income$15,584,0001,079
Provision for loan and lease losses$10,576,000305
Total noninterest income$759,0003,095
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$406,0002,425
Trading account gains and fees$357,00088
Additional Noninterest Income$-4,0006,901
Total noninterest expense$8,430,0001,723
Salaries and employee benefits$4,660,0001,584
Premises and equipment expense$975,0001,917
Additional noninterest expense$2,795,0001,818
Pre-tax net operating income$-2,663,0007,078
Securities gains (losses)$51,0002,319
Applicable income taxes$-1,053,0007,307
Income before extraordinary items$-1,559,0006,992
Extraordinary gains, net$021
Net income$-1,559,0006,993
Minority interest net income$087
Net income of bank and minority interests.$-1,559,0006,993
Net charge-offs$9,449,000367
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$59,000674
Net operating income$-1,591,6406,975
2011-06-30 (YTD Data)Rank
Total interest income$13,670,0001,049
Total interest expense$3,690,000884
Net interest income$9,980,0001,121
Provision for loan and lease losses$6,269,000343
Total noninterest income$-43,0007,265
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$263,0002,451
Trading account gains and fees$0153
Additional Noninterest Income$-306,0007,321
Total noninterest expense$5,439,0001,793
Salaries and employee benefits$3,118,0001,589
Premises and equipment expense$664,0001,905
Additional noninterest expense$1,657,0002,055
Pre-tax net operating income$-1,771,0007,143
Securities gains (losses)$30,0001,889
Applicable income taxes$-695,0007,382
Income before extraordinary items$-1,046,0007,048
Extraordinary gains, net$015
Net income$-1,046,0007,047
Minority interest net income$089
Net income of bank and minority interests.$-1,046,0007,048
Net charge-offs$5,118,000455
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$39,000599
Net operating income$-1,065,2007,035
2011-03-31 (YTD Data)Rank
Total interest income$6,878,0001,051
Total interest expense$1,865,000915
Net interest income$5,013,0001,110
Provision for loan and lease losses$4,457,000269
Total noninterest income$299,0002,834
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$127,0002,507
Trading account gains and fees$0158
Additional Noninterest Income$172,0002,696
Total noninterest expense$2,610,0001,875
Salaries and employee benefits$1,618,0001,554
Premises and equipment expense$345,0001,869
Additional noninterest expense$647,0002,563
Pre-tax net operating income$-1,755,0007,373
Securities gains (losses)$01,772
Applicable income taxes$-686,0007,495
Income before extraordinary items$-1,069,0007,303
Extraordinary gains, net$09
Net income$-1,069,0007,303
Minority interest net income$086
Net income of bank and minority interests.$-1,069,0007,304
Net charge-offs$1,906,000555
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$20,000548
Net operating income$-1,069,0007,307
2010-12-31 (YTD Data)Rank
Total interest income$29,512,0001,040
Total interest expense$8,888,000933
Net interest income$20,624,0001,081
Provision for loan and lease losses$6,429,000932
Total noninterest income$-786,0007,526
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$553,0002,458
Trading account gains and fees$0175
Additional Noninterest Income$-1,339,0007,522
Total noninterest expense$13,403,0001,477
Salaries and employee benefits$5,480,0001,776
Premises and equipment expense$1,319,0001,938
Additional noninterest expense$6,604,0001,120
Pre-tax net operating income$6,0005,753
Securities gains (losses)$735,000636
Applicable income taxes$237,0002,575
Income before extraordinary items$504,0004,307
Extraordinary gains, net$029
Net income$504,0004,308
Minority interest net income$0111
Net income of bank and minority interests.$504,0004,308
Net charge-offs$7,207,000775
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$158,000680
Net operating income$4,2005,818
2010-09-30 (YTD Data)Rank
Total interest income$21,822,0001,070
Total interest expense$6,779,000956
Net interest income$15,043,0001,122
Provision for loan and lease losses$5,844,000777
Total noninterest income$950,0002,827
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$420,0002,491
Trading account gains and fees$0165
Additional Noninterest Income$530,0002,668
Total noninterest expense$9,834,0001,498
Salaries and employee benefits$4,305,0001,705
Premises and equipment expense$990,0001,957
Additional noninterest expense$4,539,0001,187
Pre-tax net operating income$315,0004,800
Securities gains (losses)$733,000538
Applicable income taxes$359,0001,979
Income before extraordinary items$689,0003,538
Extraordinary gains, net$023
Net income$689,0003,536
Minority interest net income$0110
Net income of bank and minority interests.$689,0003,538
Net charge-offs$6,411,000665
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$73,000738
Net operating income$205,2205,111
2010-06-30 (YTD Data)Rank
Total interest income$14,549,0001,091
Total interest expense$4,635,000967
Net interest income$9,914,0001,137
Provision for loan and lease losses$5,652,000582
Total noninterest income$632,0002,772
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$281,0002,484
Trading account gains and fees$0152
Additional Noninterest Income$351,0002,599
Total noninterest expense$6,142,0001,604
Salaries and employee benefits$2,849,0001,725
Premises and equipment expense$663,0001,961
Additional noninterest expense$2,630,0001,356
Pre-tax net operating income$-1,248,0007,102
Securities gains (losses)$63,0001,740
Applicable income taxes$-488,0007,481
Income before extraordinary items$-697,0006,961
Extraordinary gains, net$019
Net income$-697,0006,961
Minority interest net income$0105
Net income of bank and minority interests.$-697,0006,961
Net charge-offs$4,548,000614
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$49,000680
Net operating income$-737,3206,949
2010-03-31 (YTD Data)Rank
Total interest income$7,220,0001,121
Total interest expense$2,400,000982
Net interest income$4,820,0001,179
Provision for loan and lease losses$2,396,000651
Total noninterest income$328,0002,699
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$136,0002,530
Trading account gains and fees$0175
Additional Noninterest Income$192,0002,463
Total noninterest expense$2,975,0001,679
Salaries and employee benefits$1,430,0001,748
Premises and equipment expense$348,0001,935
Additional noninterest expense$1,197,0001,480
Pre-tax net operating income$-223,0006,867
Securities gains (losses)$62,0001,041
Applicable income taxes$-79,0007,413
Income before extraordinary items$-82,0006,706
Extraordinary gains, net$016
Net income$-82,0006,707
Minority interest net income$091
Net income of bank and minority interests.$-82,0006,706
Net charge-offs$3,234,000465
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$24,000623
Net operating income$-121,6806,750
2009-12-31 (YTD Data)Rank
Total interest income$31,366,0001,095
Total interest expense$11,921,000995
Net interest income$19,445,0001,133
Provision for loan and lease losses$7,218,0001,103
Total noninterest income$1,160,0003,045
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$532,0002,758
Trading account gains and fees$0211
Additional Noninterest Income$628,0002,835
Total noninterest expense$10,919,0001,867
Salaries and employee benefits$5,246,0001,885
Premises and equipment expense$1,375,0001,959
Additional noninterest expense$4,298,0001,736
Pre-tax net operating income$2,468,0001,591
Securities gains (losses)$168,0001,690
Applicable income taxes$963,000991
Income before extraordinary items$1,673,0001,933
Extraordinary gains, net$034
Net income$1,673,0001,930
Minority interest net income$0115
Net income of bank and minority interests.$1,673,0001,932
Net charge-offs$3,938,0001,359
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$117,000851
Net operating income$1,565,4802,011
2009-09-30 (YTD Data)Rank
Total interest income$23,486,0001,119
Total interest expense$9,235,0001,020
Net interest income$14,251,0001,164
Provision for loan and lease losses$5,969,000931
Total noninterest income$899,0003,032
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$367,0002,956
Trading account gains and fees$0212
Additional Noninterest Income$532,0002,712
Total noninterest expense$8,307,0001,831
Salaries and employee benefits$3,983,0001,880
Premises and equipment expense$1,056,0001,929
Additional noninterest expense$3,268,0001,656
Pre-tax net operating income$874,0002,969
Securities gains (losses)$168,0001,418
Applicable income taxes$365,0001,728
Income before extraordinary items$677,0003,193
Extraordinary gains, net$027
Net income$677,0003,191
Minority interest net income$0118
Net income of bank and minority interests.$677,0003,193
Net charge-offs$2,012,0001,495
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$83,000805
Net operating income$567,8003,380
2009-06-30 (YTD Data)Rank
Total interest income$14,891,0001,197
Total interest expense$6,289,0001,054
Net interest income$8,602,0001,295
Provision for loan and lease losses$2,128,0001,347
Total noninterest income$556,0003,175
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$228,0003,074
Trading account gains and fees$0193
Additional Noninterest Income$328,0002,842
Total noninterest expense$5,662,0001,812
Salaries and employee benefits$2,653,0001,907
Premises and equipment expense$703,0001,957
Additional noninterest expense$2,306,0001,585
Pre-tax net operating income$1,368,0001,649
Securities gains (losses)$169,0001,117
Applicable income taxes$562,000984
Income before extraordinary items$975,0001,876
Extraordinary gains, net$021
Net income$975,0001,873
Minority interest net income$0112
Net income of bank and minority interests.$975,0001,875
Net charge-offs$537,0002,269
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$56,000767
Net operating income$866,8402,037
2009-03-31 (YTD Data)Rank
Total interest income$7,228,0001,254
Total interest expense$3,232,0001,070
Net interest income$3,996,0001,382
Provision for loan and lease losses$583,0001,644
Total noninterest income$362,0002,676
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$106,0003,154
Trading account gains and fees$0171
Additional Noninterest Income$256,0002,172
Total noninterest expense$2,712,0001,828
Salaries and employee benefits$1,390,0001,866
Premises and equipment expense$360,0001,946
Additional noninterest expense$962,0001,688
Pre-tax net operating income$1,063,0001,210
Securities gains (losses)$-6,0007,794
Applicable income taxes$394,000836
Income before extraordinary items$663,0001,628
Extraordinary gains, net$015
Net income$663,0001,629
Minority interest net income$0102
Net income of bank and minority interests.$663,0001,630
Net charge-offs$288,0001,818
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$30,000648
Net operating income$666,8401,538
2008-12-31 (YTD Data)Rank
Total interest income$31,262,0001,225
Total interest expense$15,989,0001,006
Net interest income$15,273,0001,466
Provision for loan and lease losses$551,0003,660
Total noninterest income$3,084,0001,535
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$381,0003,553
Trading account gains and fees$0154
Additional Noninterest Income$2,703,0001,054
Total noninterest expense$9,508,0002,030
Salaries and employee benefits$5,087,0001,981
Premises and equipment expense$1,273,0002,122
Additional noninterest expense$3,148,0001,929
Pre-tax net operating income$8,298,000663
Securities gains (losses)$112,0001,051
Applicable income taxes$3,155,000454
Income before extraordinary items$5,255,000775
Extraordinary gains, net$039
Net income$5,255,000775
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$346,0003,329
Cash dividends$3,375,000808
Sale, conversion, retirement of capital stock, net$200,000774
Net operating income$5,183,320842
2008-09-30 (YTD Data)Rank
Total interest income$23,526,0001,246
Total interest expense$12,273,0001,021
Net interest income$11,253,0001,504
Provision for loan and lease losses$380,0003,152
Total noninterest income$2,423,0001,534
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$281,0003,611
Trading account gains and fees$0148
Additional Noninterest Income$2,142,0001,052
Total noninterest expense$6,835,0002,107
Salaries and employee benefits$3,659,0002,100
Premises and equipment expense$917,0002,206
Additional noninterest expense$2,259,0001,929
Pre-tax net operating income$6,461,000784
Securities gains (losses)$63,0001,277
Applicable income taxes$2,442,000547
Income before extraordinary items$4,082,000894
Extraordinary gains, net$031
Net income$4,082,000893
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$258,0002,728
Cash dividends$3,375,000648
Sale, conversion, retirement of capital stock, net$148,000663
Net operating income$4,041,680968
2008-06-30 (YTD Data)Rank
Total interest income$15,804,0001,257
Total interest expense$8,294,0001,054
Net interest income$7,510,0001,493
Provision for loan and lease losses$380,0002,225
Total noninterest income$1,920,0001,376
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$177,0003,726
Trading account gains and fees$0149
Additional Noninterest Income$1,743,000933
Total noninterest expense$4,493,0002,142
Salaries and employee benefits$2,431,0002,134
Premises and equipment expense$603,0002,248
Additional noninterest expense$1,459,0001,973
Pre-tax net operating income$4,557,000776
Securities gains (losses)$63,0001,279
Applicable income taxes$1,728,000583
Income before extraordinary items$2,892,000952
Extraordinary gains, net$021
Net income$2,892,000952
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$173,0002,384
Cash dividends$3,375,000503
Sale, conversion, retirement of capital stock, net$103,000572
Net operating income$2,851,680944
2008-03-31 (YTD Data)Rank
Total interest income$8,177,0001,238
Total interest expense$4,374,0001,071
Net interest income$3,803,0001,455
Provision for loan and lease losses$380,0001,185
Total noninterest income$812,0001,549
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$84,0003,792
Trading account gains and fees$0158
Additional Noninterest Income$728,0001,080
Total noninterest expense$2,292,0002,094
Salaries and employee benefits$1,254,0002,093
Premises and equipment expense$311,0002,185
Additional noninterest expense$727,0001,937
Pre-tax net operating income$1,943,000967
Securities gains (losses)$62,000968
Applicable income taxes$740,000729
Income before extraordinary items$1,265,0001,187
Extraordinary gains, net$015
Net income$1,265,0001,190
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$130,0001,582
Cash dividends$2,700,000325
Sale, conversion, retirement of capital stock, net$45,000493
Net operating income$1,225,3201,186
2007-12-31 (YTD Data)Rank
Total interest income$36,848,0001,153
Total interest expense$21,629,000913
Net interest income$15,219,0001,496
Provision for loan and lease losses$566,0002,143
Total noninterest income$849,0003,885
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$277,0004,253
Trading account gains and fees$0178
Additional Noninterest Income$572,0003,086
Total noninterest expense$8,862,0002,080
Salaries and employee benefits$4,312,0002,338
Premises and equipment expense$1,140,0002,287
Additional noninterest expense$3,410,0001,629
Pre-tax net operating income$6,640,0001,277
Securities gains (losses)$31,000956
Applicable income taxes$2,361,000979
Income before extraordinary items$4,310,0001,485
Extraordinary gains, net$039
Net income$4,310,0001,485
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$287,0002,358
Cash dividends$4,850,000772
Sale, conversion, retirement of capital stock, net$362,000601
Net operating income$4,289,8501,472
2007-09-30 (YTD Data)Rank
Total interest income$27,933,0001,148
Total interest expense$16,546,000896
Net interest income$11,387,0001,502
Provision for loan and lease losses$350,0002,081
Total noninterest income$536,0004,250
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$190,0004,444
Trading account gains and fees$0184
Additional Noninterest Income$346,0003,481
Total noninterest expense$6,669,0002,048
Salaries and employee benefits$3,141,0002,398
Premises and equipment expense$858,0002,254
Additional noninterest expense$2,670,0001,517
Pre-tax net operating income$4,904,0001,379
Securities gains (losses)$10,0001,001
Applicable income taxes$1,760,0001,067
Income before extraordinary items$3,154,0001,608
Extraordinary gains, net$033
Net income$3,154,0001,607
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$81,0003,076
Cash dividends$2,850,000916
Sale, conversion, retirement of capital stock, net$137,000688
Net operating income$3,147,6001,600
2007-06-30 (YTD Data)Rank
Total interest income$18,539,0001,165
Total interest expense$11,108,000889
Net interest income$7,431,0001,558
Provision for loan and lease losses$27,0005,100
Total noninterest income$362,0004,250
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$113,0004,690
Trading account gains and fees$0168
Additional Noninterest Income$249,0003,351
Total noninterest expense$4,530,0002,040
Salaries and employee benefits$2,080,0002,449
Premises and equipment expense$591,0002,184
Additional noninterest expense$1,859,0001,472
Pre-tax net operating income$3,236,0001,443
Securities gains (losses)$10,000866
Applicable income taxes$1,158,0001,144
Income before extraordinary items$2,088,0001,658
Extraordinary gains, net$029
Net income$2,088,0001,658
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0004,059
Cash dividends$1,750,000998
Sale, conversion, retirement of capital stock, net$92,000620
Net operating income$2,081,6001,642
2007-03-31 (YTD Data)Rank
Total interest income$9,232,0001,158
Total interest expense$5,659,000867
Net interest income$3,573,0001,618
Provision for loan and lease losses$05,779
Total noninterest income$173,0004,313
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$50,0004,884
Trading account gains and fees$0195
Additional Noninterest Income$123,0003,375
Total noninterest expense$2,292,0002,022
Salaries and employee benefits$1,016,0002,523
Premises and equipment expense$310,0002,104
Additional noninterest expense$966,0001,385
Pre-tax net operating income$1,454,0001,576
Securities gains (losses)$01,187
Applicable income taxes$514,0001,259
Income before extraordinary items$940,0001,816
Extraordinary gains, net$022
Net income$940,0001,816
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0002,972
Cash dividends$1,750,000513
Sale, conversion, retirement of capital stock, net$47,000498
Net operating income$940,0001,805
2006-12-31 (YTD Data)Rank
Total interest income$32,674,0001,206
Total interest expense$19,555,000853
Net interest income$13,119,0001,753
Provision for loan and lease losses$420,0002,183
Total noninterest income$723,0004,286
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$240,0004,594
Trading account gains and fees$0130
Additional Noninterest Income$483,0003,397
Total noninterest expense$8,060,0002,196
Salaries and employee benefits$3,732,0002,604
Premises and equipment expense$1,124,0002,212
Additional noninterest expense$3,204,0001,636
Pre-tax net operating income$5,362,0001,777
Securities gains (losses)$1,0001,542
Applicable income taxes$1,894,0001,391
Income before extraordinary items$3,469,0002,034
Extraordinary gains, net$051
Net income$3,469,0002,035
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$296,0001,690
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$244,000722
Net operating income$3,468,3502,021
2006-09-30 (YTD Data)Rank
Total interest income$23,498,0001,252
Total interest expense$13,822,000882
Net interest income$9,676,0001,807
Provision for loan and lease losses$308,0002,104
Total noninterest income$550,0004,268
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$181,0004,618
Trading account gains and fees$0126
Additional Noninterest Income$369,0003,345
Total noninterest expense$5,865,0002,248
Salaries and employee benefits$2,716,0002,664
Premises and equipment expense$817,0002,278
Additional noninterest expense$2,332,0001,685
Pre-tax net operating income$4,053,0001,818
Securities gains (losses)$1,0001,261
Applicable income taxes$1,430,0001,442
Income before extraordinary items$2,624,0002,067
Extraordinary gains, net$045
Net income$2,624,0002,069
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$264,0001,263
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$187,000605
Net operating income$2,623,3502,061
2006-06-30 (YTD Data)Rank
Total interest income$14,944,0001,293
Total interest expense$8,596,000895
Net interest income$6,348,0001,828
Provision for loan and lease losses$190,0002,197
Total noninterest income$401,0004,040
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$116,0004,683
Trading account gains and fees$0126
Additional Noninterest Income$285,0003,111
Total noninterest expense$3,733,0002,362
Salaries and employee benefits$1,767,0002,724
Premises and equipment expense$508,0002,431
Additional noninterest expense$1,458,0001,794
Pre-tax net operating income$2,826,0001,744
Securities gains (losses)$1,0001,053
Applicable income taxes$1,014,0001,385
Income before extraordinary items$1,813,0001,999
Extraordinary gains, net$039
Net income$1,813,0002,001
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$239,000971
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$139,000484
Net operating income$1,812,3601,988
2006-03-31 (YTD Data)Rank
Total interest income$7,261,0001,306
Total interest expense$4,070,000897
Net interest income$3,191,0001,809
Provision for loan and lease losses$190,0001,193
Total noninterest income$265,0003,342
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$56,0004,691
Trading account gains and fees$0115
Additional Noninterest Income$209,0002,427
Total noninterest expense$1,844,0002,393
Salaries and employee benefits$871,0002,763
Premises and equipment expense$241,0002,538
Additional noninterest expense$732,0001,785
Pre-tax net operating income$1,422,0001,703
Securities gains (losses)$1,000856
Applicable income taxes$510,0001,378
Income before extraordinary items$913,0001,945
Extraordinary gains, net$021
Net income$913,0001,944
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$200,000625
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$92,000325
Net operating income$912,3601,925
2005-12-31 (YTD Data)Rank
Total interest income$25,266,0001,316
Total interest expense$13,252,000850
Net interest income$12,014,0001,828
Provision for loan and lease losses$275,0003,001
Total noninterest income$1,361,0002,866
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$218,0004,862
Trading account gains and fees$0138
Additional Noninterest Income$1,143,0002,030
Total noninterest expense$6,789,0002,462
Salaries and employee benefits$3,003,0002,957
Premises and equipment expense$683,0003,303
Additional noninterest expense$3,103,0001,629
Pre-tax net operating income$6,311,0001,519
Securities gains (losses)$81,000773
Applicable income taxes$2,306,0001,212
Income before extraordinary items$4,086,0001,716
Extraordinary gains, net$046
Net income$4,086,0001,715
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$129,0002,933
Cash dividends$2,850,0001,083
Sale, conversion, retirement of capital stock, net$0934
Net operating income$4,034,1601,704
2005-09-30 (YTD Data)Rank
Total interest income$18,366,0001,320
Total interest expense$9,467,000839
Net interest income$8,899,0001,838
Provision for loan and lease losses$218,0002,822
Total noninterest income$1,137,0002,682
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$166,0004,859
Trading account gains and fees$0126
Additional Noninterest Income$971,0001,858
Total noninterest expense$5,164,0002,401
Salaries and employee benefits$2,270,0002,914
Premises and equipment expense$498,0003,366
Additional noninterest expense$2,396,0001,572
Pre-tax net operating income$4,654,0001,540
Securities gains (losses)$81,000730
Applicable income taxes$1,703,0001,246
Income before extraordinary items$3,032,0001,735
Extraordinary gains, net$035
Net income$3,032,0001,736
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0004,898
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$2,980,1601,736
2005-06-30 (YTD Data)Rank
Total interest income$11,796,0001,335
Total interest expense$5,985,000836
Net interest income$5,811,0001,869
Provision for loan and lease losses$65,0004,019
Total noninterest income$682,0002,821
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$110,0004,838
Trading account gains and fees$0116
Additional Noninterest Income$572,0001,999
Total noninterest expense$3,422,0002,395
Salaries and employee benefits$1,537,0002,863
Premises and equipment expense$331,0003,345
Additional noninterest expense$1,554,0001,585
Pre-tax net operating income$3,006,0001,545
Securities gains (losses)$75,000662
Applicable income taxes$1,106,0001,253
Income before extraordinary items$1,975,0001,734
Extraordinary gains, net$030
Net income$1,975,0001,734
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0003,782
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,927,0001,741
2005-03-31 (YTD Data)Rank
Total interest income$5,706,0001,347
Total interest expense$2,850,000836
Net interest income$2,856,0001,880
Provision for loan and lease losses$43,0003,526
Total noninterest income$394,0002,514
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$53,0004,860
Trading account gains and fees$0115
Additional Noninterest Income$341,0001,730
Total noninterest expense$1,807,0002,297
Salaries and employee benefits$818,0002,728
Premises and equipment expense$173,0003,260
Additional noninterest expense$816,0001,524
Pre-tax net operating income$1,400,0001,622
Securities gains (losses)$01,685
Applicable income taxes$505,0001,347
Income before extraordinary items$895,0001,895
Extraordinary gains, net$024
Net income$895,0001,896
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0004,435
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$895,0001,856
2004-12-31 (YTD Data)Rank
Total interest income$20,625,0001,386
Total interest expense$9,814,000831
Net interest income$10,811,0001,872
Provision for loan and lease losses$570,0001,751
Total noninterest income$1,707,0002,457
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$228,0004,935
Trading account gains and fees$0138
Additional Noninterest Income$1,479,0001,655
Total noninterest expense$7,422,0002,143
Salaries and employee benefits$3,458,0002,518
Premises and equipment expense$682,0003,197
Additional noninterest expense$3,282,0001,506
Pre-tax net operating income$4,526,0001,853
Securities gains (losses)$117,0001,141
Applicable income taxes$1,703,0001,454
Income before extraordinary items$2,940,0002,115
Extraordinary gains, net$034
Net income$2,940,0002,116
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$160,0002,939
Cash dividends$5,000,000614
Sale, conversion, retirement of capital stock, net$0872
Net operating income$2,865,1202,120
2004-09-30 (YTD Data)Rank
Total interest income$15,105,0001,401
Total interest expense$7,131,000825
Net interest income$7,974,0001,893
Provision for loan and lease losses$448,0001,634
Total noninterest income$1,206,0002,567
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$170,0005,004
Trading account gains and fees$0134
Additional Noninterest Income$1,036,0001,735
Total noninterest expense$5,548,0002,144
Salaries and employee benefits$2,581,0002,496
Premises and equipment expense$503,0003,240
Additional noninterest expense$2,464,0001,491
Pre-tax net operating income$3,184,0001,973
Securities gains (losses)$139,000977
Applicable income taxes$1,228,0001,510
Income before extraordinary items$2,095,0002,225
Extraordinary gains, net$026
Net income$2,095,0002,227
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$98,0002,849
Cash dividends$3,500,000615
Sale, conversion, retirement of capital stock, net$0738
Net operating income$2,006,0402,261
2004-06-30 (YTD Data)Rank
Total interest income$9,890,0001,413
Total interest expense$4,680,000829
Net interest income$5,210,0001,910
Provision for loan and lease losses$281,0001,670
Total noninterest income$819,0002,549
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$108,0005,108
Trading account gains and fees$0130
Additional Noninterest Income$711,0001,698
Total noninterest expense$3,653,0002,172
Salaries and employee benefits$1,682,0002,556
Premises and equipment expense$337,0003,230
Additional noninterest expense$1,634,0001,481
Pre-tax net operating income$2,095,0001,966
Securities gains (losses)$85,0001,131
Applicable income taxes$808,0001,519
Income before extraordinary items$1,372,0002,241
Extraordinary gains, net$021
Net income$1,372,0002,242
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$41,0003,266
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,317,6002,262
2004-03-31 (YTD Data)Rank
Total interest income$4,923,0001,430
Total interest expense$2,336,000856
Net interest income$2,587,0001,930
Provision for loan and lease losses$199,0001,168
Total noninterest income$392,0002,575
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$50,0005,207
Trading account gains and fees$0121
Additional Noninterest Income$342,0001,712
Total noninterest expense$1,811,0002,202
Salaries and employee benefits$841,0002,571
Premises and equipment expense$174,0003,178
Additional noninterest expense$796,0001,513
Pre-tax net operating income$969,0002,062
Securities gains (losses)$85,000891
Applicable income taxes$388,0001,597
Income before extraordinary items$666,0002,277
Extraordinary gains, net$016
Net income$666,0002,278
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0004,134
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$611,6002,374
2003-12-31 (YTD Data)Rank
Total interest income$17,184,0001,662
Total interest expense$8,340,0001,071
Net interest income$8,844,0002,182
Provision for loan and lease losses$825,0001,419
Total noninterest income$2,050,0002,284
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$178,0005,511
Trading account gains and fees$0160
Additional Noninterest Income$1,872,0001,543
Total noninterest expense$6,890,0002,289
Salaries and employee benefits$3,385,0002,487
Premises and equipment expense$643,0003,322
Additional noninterest expense$2,862,0001,691
Pre-tax net operating income$3,179,0002,395
Securities gains (losses)$72,0002,185
Applicable income taxes$1,162,0001,974
Income before extraordinary items$2,089,0002,765
Extraordinary gains, net$054
Net income$2,089,0002,766
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$247,0002,527
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,042,9202,693
2003-09-30 (YTD Data)Rank
Total interest income$12,439,0001,745
Total interest expense$6,170,0001,135
Net interest income$6,269,0002,327
Provision for loan and lease losses$684,0001,251
Total noninterest income$1,707,0002,150
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$123,0005,743
Trading account gains and fees$0153
Additional Noninterest Income$1,584,0001,477
Total noninterest expense$5,119,0002,311
Salaries and employee benefits$2,604,0002,431
Premises and equipment expense$462,0003,445
Additional noninterest expense$2,053,0001,758
Pre-tax net operating income$2,173,0002,676
Securities gains (losses)$72,0002,017
Applicable income taxes$803,0002,201
Income before extraordinary items$1,442,0003,052
Extraordinary gains, net$040
Net income$1,442,0003,051
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$229,0002,031
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,395,9202,969
2003-06-30 (YTD Data)Rank
Total interest income$7,909,0001,855
Total interest expense$4,057,0001,177
Net interest income$3,852,0002,523
Provision for loan and lease losses$447,0001,290
Total noninterest income$1,155,0002,114
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$77,0005,845
Trading account gains and fees$0150
Additional Noninterest Income$1,078,0001,438
Total noninterest expense$3,325,0002,360
Salaries and employee benefits$1,675,0002,502
Premises and equipment expense$297,0003,520
Additional noninterest expense$1,353,0001,775
Pre-tax net operating income$1,235,0003,017
Securities gains (losses)$76,0001,726
Applicable income taxes$466,0002,420
Income before extraordinary items$845,0003,353
Extraordinary gains, net$030
Net income$845,0003,353
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$144,0002,018
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$796,3603,327
2003-03-31 (YTD Data)Rank
Total interest income$3,817,0001,926
Total interest expense$1,976,0001,236
Net interest income$1,841,0002,634
Provision for loan and lease losses$219,0001,278
Total noninterest income$553,0002,122
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$37,0005,850
Trading account gains and fees$0134
Additional Noninterest Income$516,0001,453
Total noninterest expense$1,622,0002,395
Salaries and employee benefits$815,0002,573
Premises and equipment expense$145,0003,578
Additional noninterest expense$662,0001,774
Pre-tax net operating income$553,0003,272
Securities gains (losses)$43,0001,472
Applicable income taxes$210,0002,601
Income before extraordinary items$386,0003,557
Extraordinary gains, net$021
Net income$386,0003,555
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$57,0002,045
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$358,0503,571
2002-12-31 (YTD Data)Rank
Total interest income$12,908,0002,386
Total interest expense$6,782,0001,688
Net interest income$6,126,0003,091
Provision for loan and lease losses$819,0001,596
Total noninterest income$1,849,0002,278
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$125,0006,171
Trading account gains and fees$0153
Additional Noninterest Income$1,724,0001,477
Total noninterest expense$5,338,0002,757
Salaries and employee benefits$2,698,0002,909
Premises and equipment expense$418,0004,491
Additional noninterest expense$2,222,0002,083
Pre-tax net operating income$1,818,0003,636
Securities gains (losses)$-36,0009,048
Applicable income taxes$629,0003,040
Income before extraordinary items$1,153,0004,193
Extraordinary gains, net$070
Net income$1,153,0004,194
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$450,0001,799
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,176,4004,036
2001-12-31 (YTD Data)Rank
Total interest income$10,992,0003,056
Total interest expense$6,951,0002,306
Net interest income$4,041,0004,097
Provision for loan and lease losses$503,0002,187
Total noninterest income$1,554,0002,450
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$94,0006,690
Trading account gains and fees$0177
Additional Noninterest Income$1,460,0001,559
Total noninterest expense$4,230,0003,258
Salaries and employee benefits$2,122,0003,419
Premises and equipment expense$347,0005,060
Additional noninterest expense$1,761,0002,522
Pre-tax net operating income$862,0005,304
Securities gains (losses)$14,0003,398
Applicable income taxes$278,0004,417
Income before extraordinary items$598,0005,638
Extraordinary gains, net$0105
Net income$598,0005,641
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$332,0002,083
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$588,4805,544
2000-12-31 (YTD Data)Rank
Total interest income$7,693,0004,257
Total interest expense$5,661,0002,935
Net interest income$2,032,0006,517
Provision for loan and lease losses$320,0002,708
Total noninterest income$1,514,0002,329
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$58,0007,444
Trading account gains and feesNANA
Additional Noninterest Income$1,456,0001,414
Total noninterest expense$3,027,0004,197
Salaries and employee benefits$1,413,0004,582
Premises and equipment expense$550,0003,517
Additional noninterest expense$1,064,0003,806
Pre-tax net operating income$199,0008,365
Securities gains (losses)$7,0001,253
Applicable income taxes$51,0007,210
Income before extraordinary items$155,0008,386
Extraordinary gains, net$038
Net income$155,0008,384
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$202,0002,388
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$149,7508,424
1999-12-31 (YTD Data)Rank
Total interest income$4,857,0005,670
Total interest expense$3,253,0004,309
Net interest income$1,604,0007,383
Provision for loan and lease losses$237,0003,218
Total noninterest income$321,0006,257
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$19,0008,514
Trading account gains and feesNANA
Additional Noninterest Income$302,0004,006
Total noninterest expense$2,297,0005,166
Salaries and employee benefits$1,122,0005,420
Premises and equipment expense$391,0004,622
Additional noninterest expense$784,0004,867
Pre-tax net operating income$-609,0009,918
Securities gains (losses)$03,155
Applicable income taxes$-259,00010,073
Income before extraordinary items$-350,0009,809
Extraordinary gains, net$035
Net income$-350,0009,809
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$71,0004,193
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-350,0009,786
1998-12-31 (YTD Data)Rank
Total interest income$2,285,0008,330
Total interest expense$1,294,0007,692
Net interest income$991,0008,814
Provision for loan and lease losses$360,0002,235
Total noninterest income$6,00010,330
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0009,040
Trading account gains and feesNANA
Additional Noninterest Income$5,00010,199
Total noninterest expense$1,714,0006,200
Salaries and employee benefits$894,0006,232
Premises and equipment expense$111,0008,461
Additional noninterest expense$709,0005,114
Pre-tax net operating income$-1,077,00010,353
Securities gains (losses)$04,449
Applicable income taxes$-418,00010,385
Income before extraordinary items$-659,00010,291
Extraordinary gains, net$032
Net income$-659,00010,287
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0007,124
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-659,00010,268
1997-12-31 (YTD Data)Rank
Total interest income$10,00010,918
Total interest expense$1,00010,893
Net interest income$9,00010,915
Provision for loan and lease losses$08,829
Total noninterest income$010,883
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,486
Trading account gains and feesNANA
Additional Noninterest Income$010,861
Total noninterest expense$34,00010,918
Salaries and employee benefits$22,00010,900
Premises and equipment expense$6,00010,870
Additional noninterest expense$6,00010,917
Pre-tax net operating income$-25,00010,420
Securities gains (losses)$03,944
Applicable income taxes$-10,00010,517
Income before extraordinary items$-15,00010,422
Extraordinary gains, net$044
Net income$-15,00010,425
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$6,350,000152
Net operating income$-15,00010,386

* 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.