Home > First Niagara Bank > Income and Expense

First Niagara Bank, Income and Expense

2016-09-30 (YTD Data)		Rank
Total interest income	$186,652,000	160
Total interest expense	$11,040,000	227
Net interest income	$175,612,000	154
Provision for loan and lease losses	$17,261,000	97
Total noninterest income	$49,038,000	172
Gross Fiduciary activities income	$1,533,000	332
Service charges on deposit accounts	$13,738,000	104
Trading account gains and fees	$1,795,000	62
Additional Noninterest Income	$31,972,000	182
Total noninterest expense	$212,712,000	114
Salaries and employee benefits	$115,240,000	98
Premises and equipment expense	$17,948,000	130
Additional noninterest expense	$79,524,000	114
Pre-tax net operating income	$-5,323,000	5,977
Securities gains (losses)	$-5,658,000	5,977
Applicable income taxes	$-7,604,000	5,971
Income before extraordinary items	$-3,377,000	5,964
Extraordinary gains, net	$0	5
Net income	$-3,382,000	5,964
Minority interest net income	$5,000	64
Net income of bank and minority interests.	$-3,377,000	5,964
Net charge-offs	$2,428,000	257
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$244,120	5,085
2016-06-30 (YTD Data)		Rank
Total interest income	$618,346,000	47
Total interest expense	$61,378,000	48
Net interest income	$556,968,000	49
Provision for loan and lease losses	$34,887,000	54
Total noninterest income	$156,320,000	71
Gross Fiduciary activities income	$4,617,000	130
Service charges on deposit accounts	$39,458,000	41
Trading account gains and fees	$5,493,000	40
Additional Noninterest Income	$106,752,000	62
Total noninterest expense	$493,667,000	43
Salaries and employee benefits	$242,006,000	39
Premises and equipment expense	$71,803,000	33
Additional noninterest expense	$179,858,000	52
Pre-tax net operating income	$184,734,000	61
Securities gains (losses)	$-8,549,000	6,057
Applicable income taxes	$52,049,000	73
Income before extraordinary items	$124,136,000	62
Extraordinary gains, net	$0	16
Net income	$124,122,000	61
Minority interest net income	$14,000	57
Net income of bank and minority interests.	$124,136,000	61
Net charge-offs	$24,080,000	57
Cash dividends	$85,000,000	45
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$130,120,300	60
2016-03-31 (YTD Data)		Rank
Total interest income	$310,327,000	47
Total interest expense	$29,302,000	50
Net interest income	$281,025,000	48
Provision for loan and lease losses	$22,519,000	52
Total noninterest income	$75,517,000	70
Gross Fiduciary activities income	$2,292,000	129
Service charges on deposit accounts	$19,552,000	42
Trading account gains and fees	$1,398,000	52
Additional Noninterest Income	$52,275,000	59
Total noninterest expense	$248,001,000	45
Salaries and employee benefits	$121,420,000	37
Premises and equipment expense	$36,418,000	31
Additional noninterest expense	$90,163,000	49
Pre-tax net operating income	$86,022,000	63
Securities gains (losses)	$3,436,000	29
Applicable income taxes	$28,035,000	70
Income before extraordinary items	$61,423,000	61
Extraordinary gains, net	$0	12
Net income	$61,416,000	60
Minority interest net income	$7,000	53
Net income of bank and minority interests.	$61,423,000	60
Net charge-offs	$11,755,000	56
Cash dividends	$40,000,000	53
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$59,052,160	61
2015-12-31 (YTD Data)		Rank
Total interest income	$1,204,225,000	46
Total interest expense	$94,562,000	61
Net interest income	$1,109,663,000	43
Provision for loan and lease losses	$76,289,000	47
Total noninterest income	$328,784,000	64
Gross Fiduciary activities income	$10,188,000	123
Service charges on deposit accounts	$80,828,000	39
Trading account gains and fees	$17,072,000	36
Additional Noninterest Income	$220,696,000	61
Total noninterest expense	$986,437,000	43
Salaries and employee benefits	$449,057,000	40
Premises and equipment expense	$151,280,000	29
Additional noninterest expense	$386,100,000	49
Pre-tax net operating income	$375,721,000	56
Securities gains (losses)	$8,166,000	38
Applicable income taxes	$108,255,000	66
Income before extraordinary items	$275,632,000	53
Extraordinary gains, net	$0	23
Net income	$275,604,000	53
Minority interest net income	$28,000	59
Net income of bank and minority interests.	$275,632,000	53
Net charge-offs	$68,504,000	47
Cash dividends	$100,000,000	79
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$269,752,480	56
2015-09-30 (YTD Data)		Rank
Total interest income	$898,677,000	44
Total interest expense	$69,203,000	63
Net interest income	$829,474,000	42
Provision for loan and lease losses	$53,889,000	46
Total noninterest income	$242,143,000	62
Gross Fiduciary activities income	$7,696,000	124
Service charges on deposit accounts	$59,726,000	37
Trading account gains and fees	$11,315,000	35
Additional Noninterest Income	$163,406,000	60
Total noninterest expense	$734,026,000	44
Salaries and employee benefits	$335,512,000	39
Premises and equipment expense	$113,841,000	28
Additional noninterest expense	$284,673,000	49
Pre-tax net operating income	$283,702,000	58
Securities gains (losses)	$5,201,000	42
Applicable income taxes	$81,169,000	67
Income before extraordinary items	$207,734,000	52
Extraordinary gains, net	$0	21
Net income	$207,713,000	52
Minority interest net income	$21,000	61
Net income of bank and minority interests.	$207,734,000	52
Net charge-offs	$49,440,000	45
Cash dividends	$45,000,000	108
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$203,989,280	52
2015-06-30 (YTD Data)		Rank
Total interest income	$597,758,000	44
Total interest expense	$45,229,000	64
Net interest income	$552,529,000	42
Provision for loan and lease losses	$34,621,000	42
Total noninterest income	$158,598,000	64
Gross Fiduciary activities income	$5,184,000	124
Service charges on deposit accounts	$38,748,000	39
Trading account gains and fees	$11,818,000	30
Additional Noninterest Income	$102,848,000	65
Total noninterest expense	$491,935,000	42
Salaries and employee benefits	$224,844,000	39
Premises and equipment expense	$75,968,000	29
Additional noninterest expense	$191,123,000	46
Pre-tax net operating income	$184,571,000	58
Securities gains (losses)	$4,229,000	42
Applicable income taxes	$53,242,000	68
Income before extraordinary items	$135,558,000	57
Extraordinary gains, net	$0	22
Net income	$135,544,000	57
Minority interest net income	$14,000	59
Net income of bank and minority interests.	$135,558,000	57
Net charge-offs	$33,272,000	44
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$132,513,120	59
2015-03-31 (YTD Data)		Rank
Total interest income	$298,055,000	44
Total interest expense	$21,903,000	66
Net interest income	$276,152,000	42
Provision for loan and lease losses	$14,165,000	47
Total noninterest income	$73,643,000	69
Gross Fiduciary activities income	$2,602,000	123
Service charges on deposit accounts	$18,480,000	40
Trading account gains and fees	$6,500,000	29
Additional Noninterest Income	$46,061,000	65
Total noninterest expense	$249,278,000	41
Salaries and employee benefits	$114,747,000	37
Premises and equipment expense	$38,589,000	29
Additional noninterest expense	$95,942,000	46
Pre-tax net operating income	$86,352,000	60
Securities gains (losses)	$2,078,000	49
Applicable income taxes	$26,222,000	71
Income before extraordinary items	$62,208,000	57
Extraordinary gains, net	$0	13
Net income	$62,201,000	57
Minority interest net income	$7,000	56
Net income of bank and minority interests.	$62,208,000	57
Net charge-offs	$17,278,000	42
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$60,753,400	58
2014-12-31 (YTD Data)		Rank
Total interest income	$1,212,985,000	44
Total interest expense	$75,897,000	71
Net interest income	$1,137,088,000	40
Provision for loan and lease losses	$90,100,000	36
Total noninterest income	$303,570,000	64
Gross Fiduciary activities income	$10,104,000	123
Service charges on deposit accounts	$78,910,000	37
Trading account gains and fees	$15,004,000	39
Additional Noninterest Income	$199,552,000	59
Total noninterest expense	$2,106,895,000	30
Salaries and employee benefits	$468,914,000	34
Premises and equipment expense	$148,614,000	29
Additional noninterest expense	$1,489,367,000	22
Pre-tax net operating income	$-756,337,000	6,518
Securities gains (losses)	$6,299,000	45
Applicable income taxes	$-81,402,000	6,507
Income before extraordinary items	$-668,636,000	6,509
Extraordinary gains, net	$0	17
Net income	$-668,608,000	6,509
Minority interest net income	$-28,000	6,500
Net income of bank and minority interests.	$-668,636,000	6,509
Net charge-offs	$57,963,000	47
Cash dividends	$80,000,000	87
Sale, conversion, retirement of capital stock, net	$22,272,000	19
Net operating income	$-674,242,110	6,509
2014-09-30 (YTD Data)		Rank
Total interest income	$910,098,000	45
Total interest expense	$55,694,000	73
Net interest income	$854,404,000	41
Provision for loan and lease losses	$67,600,000	37
Total noninterest income	$227,842,000	64
Gross Fiduciary activities income	$7,536,000	123
Service charges on deposit accounts	$58,275,000	40
Trading account gains and fees	$7,747,000	39
Additional Noninterest Income	$154,284,000	60
Total noninterest expense	$1,874,388,000	27
Salaries and employee benefits	$352,566,000	35
Premises and equipment expense	$110,739,000	29
Additional noninterest expense	$1,411,083,000	21
Pre-tax net operating income	$-859,742,000	6,598
Securities gains (losses)	$3,595,000	61
Applicable income taxes	$-99,707,000	6,589
Income before extraordinary items	$-756,440,000	6,589
Extraordinary gains, net	$0	15
Net income	$-756,419,000	6,589
Minority interest net income	$-21,000	6,580
Net income of bank and minority interests.	$-756,440,000	6,589
Net charge-offs	$45,521,000	48
Cash dividends	$80,000,000	63
Sale, conversion, retirement of capital stock, net	$848,000	164
Net operating income	$-759,603,600	6,589
2014-06-30 (YTD Data)		Rank
Total interest income	$604,579,000	46
Total interest expense	$36,386,000	73
Net interest income	$568,193,000	41
Provision for loan and lease losses	$46,800,000	36
Total noninterest income	$155,555,000	61
Gross Fiduciary activities income	$4,978,000	123
Service charges on deposit accounts	$40,034,000	37
Trading account gains and fees	$3,516,000	45
Additional Noninterest Income	$107,027,000	59
Total noninterest expense	$484,313,000	40
Salaries and employee benefits	$236,473,000	35
Premises and equipment expense	$74,780,000	29
Additional noninterest expense	$173,060,000	48
Pre-tax net operating income	$192,635,000	57
Securities gains (losses)	$2,272,000	61
Applicable income taxes	$38,567,000	83
Income before extraordinary items	$156,340,000	50
Extraordinary gains, net	$0	20
Net income	$156,354,000	50
Minority interest net income	$-14,000	6,646
Net income of bank and minority interests.	$156,340,000	50
Net charge-offs	$32,548,000	47
Cash dividends	$80,000,000	44
Sale, conversion, retirement of capital stock, net	$577,000	150
Net operating income	$154,522,400	49
2014-03-31 (YTD Data)		Rank
Total interest income	$301,332,000	46
Total interest expense	$17,916,000	72
Net interest income	$283,416,000	41
Provision for loan and lease losses	$24,400,000	37
Total noninterest income	$76,166,000	61
Gross Fiduciary activities income	$2,463,000	124
Service charges on deposit accounts	$19,887,000	36
Trading account gains and fees	$1,348,000	47
Additional Noninterest Income	$52,468,000	58
Total noninterest expense	$244,944,000	39
Salaries and employee benefits	$122,094,000	33
Premises and equipment expense	$37,829,000	29
Additional noninterest expense	$85,021,000	47
Pre-tax net operating income	$90,238,000	57
Securities gains (losses)	$67,000	556
Applicable income taxes	$20,196,000	88
Income before extraordinary items	$70,109,000	52
Extraordinary gains, net	$0	16
Net income	$70,116,000	52
Minority interest net income	$-7,000	6,713
Net income of bank and minority interests.	$70,109,000	52
Net charge-offs	$18,637,000	43
Cash dividends	$40,000,000	44
Sale, conversion, retirement of capital stock, net	$298,000	141
Net operating income	$70,056,740	52
2013-12-31 (YTD Data)		Rank
Total interest income	$1,214,087,000	44
Total interest expense	$70,801,000	78
Net interest income	$1,143,286,000	41
Provision for loan and lease losses	$103,400,000	39
Total noninterest income	$367,140,000	56
Gross Fiduciary activities income	$9,544,000	128
Service charges on deposit accounts	$88,949,000	34
Trading account gains and fees	$13,393,000	37
Additional Noninterest Income	$255,254,000	52
Total noninterest expense	$918,458,000	44
Salaries and employee benefits	$459,305,000	34
Premises and equipment expense	$133,373,000	32
Additional noninterest expense	$325,780,000	50
Pre-tax net operating income	$488,568,000	49
Securities gains (losses)	$7,105,000	52
Applicable income taxes	$154,296,000	51
Income before extraordinary items	$341,377,000	50
Extraordinary gains, net	$0	29
Net income	$341,399,000	50
Minority interest net income	$-22,000	6,797
Net income of bank and minority interests.	$341,377,000	50
Net charge-offs	$56,648,000	58
Cash dividends	$175,000,000	51
Sale, conversion, retirement of capital stock, net	$1,735,000	166
Net operating income	$336,474,550	48
2013-09-30 (YTD Data)		Rank
Total interest income	$903,297,000	43
Total interest expense	$52,785,000	81
Net interest income	$850,512,000	41
Provision for loan and lease losses	$71,800,000	39
Total noninterest income	$276,351,000	55
Gross Fiduciary activities income	$7,074,000	127
Service charges on deposit accounts	$66,660,000	34
Trading account gains and fees	$6,824,000	44
Additional Noninterest Income	$195,793,000	52
Total noninterest expense	$694,377,000	41
Salaries and employee benefits	$347,475,000	34
Premises and equipment expense	$99,859,000	31
Additional noninterest expense	$247,043,000	50
Pre-tax net operating income	$360,686,000	51
Securities gains (losses)	$6,567,000	45
Applicable income taxes	$115,375,000	50
Income before extraordinary items	$251,878,000	50
Extraordinary gains, net	$0	25
Net income	$251,895,000	50
Minority interest net income	$-17,000	6,877
Net income of bank and minority interests.	$251,878,000	50
Net charge-offs	$36,369,000	63
Cash dividends	$125,000,000	47
Sale, conversion, retirement of capital stock, net	$913,000	167
Net operating income	$247,346,770	50
2013-06-30 (YTD Data)		Rank
Total interest income	$595,512,000	43
Total interest expense	$35,092,000	81
Net interest income	$560,420,000	41
Provision for loan and lease losses	$44,600,000	44
Total noninterest income	$185,681,000	55
Gross Fiduciary activities income	$4,671,000	126
Service charges on deposit accounts	$43,551,000	34
Trading account gains and fees	$10,878,000	29
Additional Noninterest Income	$126,581,000	55
Total noninterest expense	$466,262,000	40
Salaries and employee benefits	$234,253,000	34
Premises and equipment expense	$67,333,000	31
Additional noninterest expense	$164,676,000	48
Pre-tax net operating income	$235,239,000	53
Securities gains (losses)	$4,771,000	50
Applicable income taxes	$78,600,000	54
Income before extraordinary items	$161,410,000	55
Extraordinary gains, net	$0	22
Net income	$161,421,000	55
Minority interest net income	$-11,000	6,924
Net income of bank and minority interests.	$161,410,000	55
Net charge-offs	$23,414,000	68
Cash dividends	$75,000,000	43
Sale, conversion, retirement of capital stock, net	$484,000	173
Net operating income	$158,213,430	54
2013-03-31 (YTD Data)		Rank
Total interest income	$296,451,000	43
Total interest expense	$17,936,000	81
Net interest income	$278,515,000	41
Provision for loan and lease losses	$19,800,000	47
Total noninterest income	$94,549,000	53
Gross Fiduciary activities income	$2,323,000	127
Service charges on deposit accounts	$21,155,000	35
Trading account gains and fees	$2,381,000	43
Additional Noninterest Income	$68,690,000	51
Total noninterest expense	$235,727,000	39
Salaries and employee benefits	$119,823,000	33
Premises and equipment expense	$33,420,000	31
Additional noninterest expense	$82,484,000	48
Pre-tax net operating income	$117,537,000	50
Securities gains (losses)	$1,741,000	74
Applicable income taxes	$37,643,000	52
Income before extraordinary items	$81,635,000	51
Extraordinary gains, net	$0	10
Net income	$81,640,000	51
Minority interest net income	$-5,000	7,004
Net income of bank and minority interests.	$81,635,000	51
Net charge-offs	$10,320,000	76
Cash dividends	$25,000,000	52
Sale, conversion, retirement of capital stock, net	$253,000	138
Net operating income	$80,451,120	50
2012-12-31 (YTD Data)		Rank
Total interest income	$1,179,157,000	46
Total interest expense	$111,615,000	65
Net interest income	$1,067,542,000	44
Provision for loan and lease losses	$91,028,000	55
Total noninterest income	$343,549,000	56
Gross Fiduciary activities income	$9,187,000	116
Service charges on deposit accounts	$75,484,000	41
Trading account gains and fees	$38,828,000	27
Additional Noninterest Income	$220,050,000	61
Total noninterest expense	$1,035,970,000	41
Salaries and employee benefits	$434,551,000	34
Premises and equipment expense	$126,474,000	33
Additional noninterest expense	$474,945,000	46
Pre-tax net operating income	$284,093,000	70
Securities gains (losses)	$19,661,000	34
Applicable income taxes	$93,166,000	70
Income before extraordinary items	$210,588,000	70
Extraordinary gains, net	$0	29
Net income	$210,610,000	70
Minority interest net income	$-22,000	7,063
Net income of bank and minority interests.	$210,588,000	70
Net charge-offs	$48,099,000	93
Cash dividends	$45,000,000	124
Sale, conversion, retirement of capital stock, net	$1,506,000	179
Net operating income	$197,021,910	71
2012-09-30 (YTD Data)		Rank
Total interest income	$894,768,000	47
Total interest expense	$91,890,000	63
Net interest income	$802,878,000	44
Provision for loan and lease losses	$69,503,000	55
Total noninterest income	$251,625,000	56
Gross Fiduciary activities income	$6,835,000	114
Service charges on deposit accounts	$53,538,000	41
Trading account gains and fees	$25,489,000	27
Additional Noninterest Income	$165,763,000	60
Total noninterest expense	$801,523,000	40
Salaries and employee benefits	$326,036,000	34
Premises and equipment expense	$92,515,000	32
Additional noninterest expense	$382,972,000	46
Pre-tax net operating income	$183,477,000	80
Securities gains (losses)	$18,399,000	30
Applicable income taxes	$64,382,000	77
Income before extraordinary items	$137,494,000	79
Extraordinary gains, net	$0	20
Net income	$137,510,000	79
Minority interest net income	$-16,000	7,162
Net income of bank and minority interests.	$137,494,000	79
Net charge-offs	$39,163,000	84
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$832,000	187
Net operating income	$124,982,680	84
2012-06-30 (YTD Data)		Rank
Total interest income	$591,930,000	46
Total interest expense	$70,352,000	57
Net interest income	$521,578,000	45
Provision for loan and lease losses	$47,703,000	52
Total noninterest income	$148,712,000	61
Gross Fiduciary activities income	$4,542,000	115
Service charges on deposit accounts	$31,967,000	43
Trading account gains and fees	$12,443,000	32
Additional Noninterest Income	$99,760,000	65
Total noninterest expense	$537,248,000	38
Salaries and employee benefits	$207,376,000	37
Premises and equipment expense	$58,720,000	33
Additional noninterest expense	$271,152,000	44
Pre-tax net operating income	$85,339,000	102
Securities gains (losses)	$17,122,000	28
Applicable income taxes	$34,107,000	94
Income before extraordinary items	$68,354,000	95
Extraordinary gains, net	$0	19
Net income	$68,365,000	95
Minority interest net income	$-11,000	7,227
Net income of bank and minority interests.	$68,354,000	95
Net charge-offs	$29,092,000	84
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$590,000	156
Net operating income	$56,882,260	105
2012-03-31 (YTD Data)		Rank
Total interest income	$291,393,000	46
Total interest expense	$40,648,000	52
Net interest income	$250,745,000	45
Provision for loan and lease losses	$19,900,000	57
Total noninterest income	$70,152,000	67
Gross Fiduciary activities income	$2,265,000	116
Service charges on deposit accounts	$14,235,000	48
Trading account gains and fees	$4,867,000	38
Additional Noninterest Income	$48,785,000	63
Total noninterest expense	$197,767,000	45
Salaries and employee benefits	$96,967,000	37
Premises and equipment expense	$25,799,000	36
Additional noninterest expense	$75,001,000	51
Pre-tax net operating income	$103,230,000	56
Securities gains (losses)	$1,173,000	113
Applicable income taxes	$36,504,000	56
Income before extraordinary items	$67,899,000	57
Extraordinary gains, net	$0	19
Net income	$67,905,000	57
Minority interest net income	$-6,000	7,290
Net income of bank and minority interests.	$67,899,000	57
Net charge-offs	$13,254,000	91
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$319,000	130
Net operating income	$67,136,550	56
2011-12-31 (YTD Data)		Rank
Total interest income	$1,068,993,000	51
Total interest expense	$159,664,000	60
Net interest income	$909,329,000	49
Provision for loan and lease losses	$54,371,000	107
Total noninterest income	$242,407,000	70
Gross Fiduciary activities income	$9,570,000	97
Service charges on deposit accounts	$54,621,000	48
Trading account gains and fees	$8,349,000	44
Additional Noninterest Income	$169,867,000	64
Total noninterest expense	$788,848,000	45
Salaries and employee benefits	$392,046,000	35
Premises and equipment expense	$100,849,000	38
Additional noninterest expense	$295,953,000	56
Pre-tax net operating income	$308,517,000	62
Securities gains (losses)	$5,284,000	101
Applicable income taxes	$106,701,000	60
Income before extraordinary items	$207,100,000	60
Extraordinary gains, net	$0	29
Net income	$207,122,000	61
Minority interest net income	$-22,000	7,338
Net income of bank and minority interests.	$207,100,000	61
Net charge-offs	$29,625,000	183
Cash dividends	$75,000,000	68
Sale, conversion, retirement of capital stock, net	$3,199,000	197
Net operating income	$203,612,560	63
2011-09-30 (YTD Data)		Rank
Total interest income	$776,478,000	50
Total interest expense	$117,184,000	60
Net interest income	$659,294,000	50
Provision for loan and lease losses	$41,185,000	98
Total noninterest income	$177,932,000	71
Gross Fiduciary activities income	$7,306,000	97
Service charges on deposit accounts	$39,429,000	49
Trading account gains and fees	$5,854,000	50
Additional Noninterest Income	$125,343,000	66
Total noninterest expense	$591,030,000	45
Salaries and employee benefits	$299,350,000	34
Premises and equipment expense	$74,173,000	37
Additional noninterest expense	$217,507,000	57
Pre-tax net operating income	$205,011,000	68
Securities gains (losses)	$920,000	382
Applicable income taxes	$67,701,000	69
Income before extraordinary items	$138,230,000	68
Extraordinary gains, net	$0	21
Net income	$138,247,000	69
Minority interest net income	$-17,000	7,418
Net income of bank and minority interests.	$138,230,000	69
Net charge-offs	$23,790,000	173
Cash dividends	$75,000,000	42
Sale, conversion, retirement of capital stock, net	$2,036,000	204
Net operating income	$137,613,600	67
2011-06-30 (YTD Data)		Rank
Total interest income	$488,327,000	53
Total interest expense	$71,424,000	68
Net interest income	$416,903,000	52
Provision for loan and lease losses	$27,339,000	111
Total noninterest income	$108,716,000	78
Gross Fiduciary activities income	$5,095,000	94
Service charges on deposit accounts	$24,144,000	53
Trading account gains and fees	$2,809,000	53
Additional Noninterest Income	$76,668,000	77
Total noninterest expense	$390,256,000	49
Salaries and employee benefits	$208,624,000	36
Premises and equipment expense	$44,132,000	40
Additional noninterest expense	$137,500,000	62
Pre-tax net operating income	$108,024,000	84
Securities gains (losses)	$17,000	2,165
Applicable income taxes	$33,748,000	85
Income before extraordinary items	$74,293,000	82
Extraordinary gains, net	$0	15
Net income	$74,298,000	82
Minority interest net income	$-5,000	7,494
Net income of bank and minority interests.	$74,293,000	82
Net charge-offs	$15,665,000	188
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$1,480,000	142
Net operating income	$74,281,270	81
2011-03-31 (YTD Data)		Rank
Total interest income	$210,044,000	60
Total interest expense	$30,421,000	78
Net interest income	$179,623,000	57
Provision for loan and lease losses	$12,900,000	117
Total noninterest income	$49,641,000	84
Gross Fiduciary activities income	$1,082,000	156
Service charges on deposit accounts	$10,758,000	57
Trading account gains and fees	$2,172,000	48
Additional Noninterest Income	$35,629,000	78
Total noninterest expense	$139,253,000	63
Salaries and employee benefits	$73,067,000	46
Premises and equipment expense	$19,747,000	45
Additional noninterest expense	$46,439,000	77
Pre-tax net operating income	$77,111,000	65
Securities gains (losses)	$17,000	1,151
Applicable income taxes	$25,231,000	69
Income before extraordinary items	$51,897,000	68
Extraordinary gains, net	$0	9
Net income	$51,902,000	68
Minority interest net income	$-5,000	7,557
Net income of bank and minority interests.	$51,897,000	68
Net charge-offs	$8,128,000	183
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$656,000	120
Net operating income	$51,885,610	66
2010-12-31 (YTD Data)		Rank
Total interest income	$751,380,000	70
Total interest expense	$125,922,000	87
Net interest income	$625,458,000	66
Provision for loan and lease losses	$48,631,000	182
Total noninterest income	$177,478,000	92
Gross Fiduciary activities income	$3,513,000	178
Service charges on deposit accounts	$47,992,000	52
Trading account gains and fees	$221,000	108
Additional Noninterest Income	$125,752,000	83
Total noninterest expense	$513,064,000	64
Salaries and employee benefits	$248,744,000	53
Premises and equipment expense	$69,419,000	50
Additional noninterest expense	$194,901,000	78
Pre-tax net operating income	$241,241,000	64
Securities gains (losses)	$-430,000	7,407
Applicable income taxes	$82,411,000	60
Income before extraordinary items	$158,400,000	67
Extraordinary gains, net	$0	29
Net income	$158,419,000	67
Minority interest net income	$-19,000	7,642
Net income of bank and minority interests.	$158,400,000	67
Net charge-offs	$41,580,000	196
Cash dividends	$60,000,000	50
Sale, conversion, retirement of capital stock, net	$3,309,000	194
Net operating income	$158,683,800	65
2010-09-30 (YTD Data)		Rank
Total interest income	$544,562,000	72
Total interest expense	$93,725,000	89
Net interest income	$450,837,000	66
Provision for loan and lease losses	$35,131,000	187
Total noninterest income	$126,392,000	94
Gross Fiduciary activities income	$2,349,000	195
Service charges on deposit accounts	$37,443,000	52
Trading account gains and fees	$-715,000	7,747
Additional Noninterest Income	$87,315,000	88
Total noninterest expense	$376,630,000	66
Salaries and employee benefits	$186,022,000	52
Premises and equipment expense	$65,114,000	43
Additional noninterest expense	$125,494,000	86
Pre-tax net operating income	$165,468,000	62
Securities gains (losses)	$83,000	2,079
Applicable income taxes	$57,736,000	59
Income before extraordinary items	$107,815,000	68
Extraordinary gains, net	$0	23
Net income	$107,828,000	69
Minority interest net income	$-13,000	7,745
Net income of bank and minority interests.	$107,815,000	69
Net charge-offs	$28,902,000	195
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$2,065,000	199
Net operating income	$107,761,050	67
2010-06-30 (YTD Data)		Rank
Total interest income	$342,179,000	73
Total interest expense	$59,955,000	94
Net interest income	$282,224,000	69
Provision for loan and lease losses	$24,131,000	185
Total noninterest income	$79,356,000	97
Gross Fiduciary activities income	$1,274,000	217
Service charges on deposit accounts	$24,034,000	52
Trading account gains and fees	$-624,000	7,814
Additional Noninterest Income	$54,672,000	97
Total noninterest expense	$246,608,000	67
Salaries and employee benefits	$118,878,000	52
Premises and equipment expense	$42,182,000	44
Additional noninterest expense	$85,548,000	85
Pre-tax net operating income	$90,841,000	66
Securities gains (losses)	$69,000	1,672
Applicable income taxes	$33,476,000	61
Income before extraordinary items	$57,434,000	74
Extraordinary gains, net	$0	19
Net income	$57,441,000	73
Minority interest net income	$-7,000	7,810
Net income of bank and minority interests.	$57,434,000	74
Net charge-offs	$22,025,000	188
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$1,487,000	174
Net operating income	$57,389,840	70
2010-03-31 (YTD Data)		Rank
Total interest income	$145,219,000	81
Total interest expense	$25,522,000	101
Net interest income	$119,697,000	74
Provision for loan and lease losses	$13,131,000	184
Total noninterest income	$35,652,000	106
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-17,000	7,894
Additional Noninterest Income	$35,669,000	80
Total noninterest expense	$90,707,000	76
Salaries and employee benefits	$49,431,000	62
Premises and equipment expense	$16,268,000	51
Additional noninterest expense	$25,008,000	113
Pre-tax net operating income	$51,511,000	63
Securities gains (losses)	$69,000	978
Applicable income taxes	$18,627,000	57
Income before extraordinary items	$32,953,000	66
Extraordinary gains, net	$0	16
Net income	$32,953,000	67
Minority interest net income	$0	91
Net income of bank and minority interests.	$32,953,000	67
Net charge-offs	$11,945,000	188
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$32,908,840	66
2009-12-31 (YTD Data)		Rank
Total interest income	$492,876,000	94
Total interest expense	$121,231,000	106
Net interest income	$371,645,000	87
Provision for loan and lease losses	$43,650,000	275
Total noninterest income	$120,818,000	122
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-126,000	7,975
Additional Noninterest Income	$120,944,000	99
Total noninterest expense	$315,198,000	96
Salaries and employee benefits	$166,520,000	69
Premises and equipment expense	$44,981,000	71
Additional noninterest expense	$103,697,000	125
Pre-tax net operating income	$133,615,000	64
Securities gains (losses)	$398,000	1,022
Applicable income taxes	$45,731,000	63
Income before extraordinary items	$88,282,000	69
Extraordinary gains, net	$0	34
Net income	$88,090,000	65
Minority interest net income	$192,000	58
Net income of bank and minority interests.	$88,282,000	65
Net charge-offs	$33,140,000	268
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$88,019,320	70
2009-09-30 (YTD Data)		Rank
Total interest income	$346,853,000	105
Total interest expense	$93,022,000	115
Net interest income	$253,831,000	96
Provision for loan and lease losses	$32,650,000	272
Total noninterest income	$86,130,000	122
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-231,000	8,078
Additional Noninterest Income	$86,361,000	104
Total noninterest expense	$224,659,000	106
Salaries and employee benefits	$115,935,000	76
Premises and equipment expense	$31,241,000	78
Additional noninterest expense	$77,483,000	129
Pre-tax net operating income	$82,652,000	77
Securities gains (losses)	$945,000	409
Applicable income taxes	$29,053,000	77
Income before extraordinary items	$54,544,000	78
Extraordinary gains, net	$0	27
Net income	$54,381,000	77
Minority interest net income	$163,000	62
Net income of bank and minority interests.	$54,544,000	77
Net charge-offs	$27,366,000	231
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$53,929,750	81
2009-06-30 (YTD Data)		Rank
Total interest income	$217,542,000	116
Total interest expense	$64,300,000	123
Net interest income	$153,242,000	109
Provision for loan and lease losses	$17,650,000	326
Total noninterest income	$55,302,000	123
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$179,000	118
Additional Noninterest Income	$55,123,000	102
Total noninterest expense	$127,422,000	125
Salaries and employee benefits	$68,603,000	83
Premises and equipment expense	$19,090,000	83
Additional noninterest expense	$39,729,000	161
Pre-tax net operating income	$63,472,000	67
Securities gains (losses)	$945,000	304
Applicable income taxes	$22,379,000	66
Income before extraordinary items	$42,038,000	70
Extraordinary gains, net	$0	21
Net income	$41,929,000	69
Minority interest net income	$109,000	58
Net income of bank and minority interests.	$42,038,000	69
Net charge-offs	$12,901,000	315
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$41,423,750	69
2009-03-31 (YTD Data)		Rank
Total interest income	$106,299,000	116
Total interest expense	$33,359,000	121
Net interest income	$72,940,000	111
Provision for loan and lease losses	$8,750,000	284
Total noninterest income	$27,063,000	122
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$370,000	81
Additional Noninterest Income	$26,693,000	104
Total noninterest expense	$61,207,000	123
Salaries and employee benefits	$33,283,000	89
Premises and equipment expense	$9,641,000	87
Additional noninterest expense	$18,283,000	160
Pre-tax net operating income	$30,046,000	74
Securities gains (losses)	$1,107,000	174
Applicable income taxes	$11,119,000	66
Income before extraordinary items	$20,034,000	80
Extraordinary gains, net	$0	15
Net income	$19,974,000	80
Minority interest net income	$60,000	56
Net income of bank and minority interests.	$20,034,000	80
Net charge-offs	$6,930,000	256
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$19,325,520	78
2008-12-31 (YTD Data)		Rank
Total interest income	$443,534,000	124
Total interest expense	$171,573,000	123
Net interest income	$271,961,000	115
Provision for loan and lease losses	$23,200,000	332
Total noninterest income	$113,051,000	110
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-205,000	8,219
Additional Noninterest Income	$113,256,000	90
Total noninterest expense	$220,551,000	133
Salaries and employee benefits	$132,832,000	83
Premises and equipment expense	$37,482,000	84
Additional noninterest expense	$50,237,000	218
Pre-tax net operating income	$141,261,000	67
Securities gains (losses)	$743,000	274
Applicable income taxes	$48,697,000	65
Income before extraordinary items	$93,307,000	66
Extraordinary gains, net	$0	39
Net income	$93,307,000	66
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,843,000	279
Cash dividends	$56,400,000	85
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$92,816,620	75
2008-09-30 (YTD Data)		Rank
Total interest income	$333,173,000	129
Total interest expense	$133,625,000	129
Net interest income	$199,548,000	123
Provision for loan and lease losses	$14,500,000	310
Total noninterest income	$85,439,000	114
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$11,000	128
Additional Noninterest Income	$85,428,000	97
Total noninterest expense	$164,506,000	131
Salaries and employee benefits	$100,028,000	89
Premises and equipment expense	$27,957,000	90
Additional noninterest expense	$36,521,000	209
Pre-tax net operating income	$105,981,000	82
Securities gains (losses)	$616,000	273
Applicable income taxes	$37,056,000	79
Income before extraordinary items	$69,541,000	86
Extraordinary gains, net	$0	31
Net income	$69,541,000	85
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,972,000	279
Cash dividends	$41,400,000	85
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$69,140,600	91
2008-06-30 (YTD Data)		Rank
Total interest income	$222,623,000	131
Total interest expense	$94,235,000	130
Net interest income	$128,388,000	127
Provision for loan and lease losses	$8,000,000	320
Total noninterest income	$57,077,000	118
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-12,000	8,350
Additional Noninterest Income	$57,089,000	98
Total noninterest expense	$109,850,000	129
Salaries and employee benefits	$66,725,000	93
Premises and equipment expense	$19,048,000	91
Additional noninterest expense	$24,077,000	196
Pre-tax net operating income	$67,615,000	94
Securities gains (losses)	$385,000	378
Applicable income taxes	$23,584,000	92
Income before extraordinary items	$44,416,000	97
Extraordinary gains, net	$0	21
Net income	$44,416,000	97
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,008,000	262
Cash dividends	$6,400,000	268
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$44,165,750	97
2008-03-31 (YTD Data)		Rank
Total interest income	$110,648,000	132
Total interest expense	$49,841,000	135
Net interest income	$60,807,000	130
Provision for loan and lease losses	$3,100,000	296
Total noninterest income	$28,161,000	122
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$28,161,000	97
Total noninterest expense	$55,034,000	128
Salaries and employee benefits	$33,086,000	96
Premises and equipment expense	$10,021,000	91
Additional noninterest expense	$11,927,000	188
Pre-tax net operating income	$30,834,000	107
Securities gains (losses)	$254,000	378
Applicable income taxes	$10,950,000	105
Income before extraordinary items	$20,138,000	111
Extraordinary gains, net	$0	15
Net income	$20,138,000	111
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,952,000	291
Cash dividends	$6,400,000	154
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$19,972,900	111
2007-12-31 (YTD Data)		Rank
Total interest income	$426,348,000	141
Total interest expense	$199,797,000	149
Net interest income	$226,551,000	129
Provision for loan and lease losses	$8,500,000	277
Total noninterest income	$128,621,000	111
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$128,621,000	86
Total noninterest expense	$209,087,000	126
Salaries and employee benefits	$123,122,000	98
Premises and equipment expense	$36,033,000	89
Additional noninterest expense	$49,932,000	178
Pre-tax net operating income	$137,585,000	105
Securities gains (losses)	$-4,670,000	8,487
Applicable income taxes	$44,401,000	104
Income before extraordinary items	$88,514,000	112
Extraordinary gains, net	$0	39
Net income	$88,514,000	111
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,085,000	177
Cash dividends	$96,000,000	85
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$91,642,900	109
2007-09-30 (YTD Data)		Rank
Total interest income	$318,373,000	140
Total interest expense	$147,564,000	150
Net interest income	$170,809,000	130
Provision for loan and lease losses	$6,000,000	228
Total noninterest income	$80,000,000	124
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$80,000,000	92
Total noninterest expense	$154,525,000	127
Salaries and employee benefits	$92,577,000	98
Premises and equipment expense	$27,148,000	90
Additional noninterest expense	$34,800,000	179
Pre-tax net operating income	$90,284,000	130
Securities gains (losses)	$608,000	202
Applicable income taxes	$30,789,000	128
Income before extraordinary items	$60,103,000	135
Extraordinary gains, net	$0	33
Net income	$60,103,000	133
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,862,000	151
Cash dividends	$52,000,000	107
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$59,701,720	133
2007-06-30 (YTD Data)		Rank
Total interest income	$210,556,000	155
Total interest expense	$96,277,000	161
Net interest income	$114,279,000	141
Provision for loan and lease losses	$3,900,000	209
Total noninterest income	$51,421,000	139
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$51,421,000	101
Total noninterest expense	$104,378,000	140
Salaries and employee benefits	$62,952,000	106
Premises and equipment expense	$18,479,000	100
Additional noninterest expense	$22,947,000	186
Pre-tax net operating income	$57,422,000	152
Securities gains (losses)	$322,000	247
Applicable income taxes	$19,668,000	146
Income before extraordinary items	$38,076,000	152
Extraordinary gains, net	$0	29
Net income	$38,076,000	153
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,712,000	150
Cash dividends	$35,400,000	115
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$37,863,480	150
2007-03-31 (YTD Data)		Rank
Total interest income	$104,095,000	155
Total interest expense	$47,403,000	160
Net interest income	$56,692,000	139
Provision for loan and lease losses	$1,600,000	211
Total noninterest income	$27,278,000	130
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$27,278,000	97
Total noninterest expense	$52,366,000	138
Salaries and employee benefits	$32,038,000	105
Premises and equipment expense	$9,225,000	98
Additional noninterest expense	$11,103,000	192
Pre-tax net operating income	$30,004,000	143
Securities gains (losses)	$102,000	302
Applicable income taxes	$10,294,000	140
Income before extraordinary items	$19,812,000	147
Extraordinary gains, net	$0	22
Net income	$19,812,000	147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,463,000	143
Cash dividends	$16,900,000	100
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$19,744,680	145
2006-12-31 (YTD Data)		Rank
Total interest income	$415,728,000	143
Total interest expense	$171,023,000	154
Net interest income	$244,705,000	132
Provision for loan and lease losses	$6,456,000	197
Total noninterest income	$108,640,000	131
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$108,640,000	99
Total noninterest expense	$205,306,000	132
Salaries and employee benefits	$123,358,000	98
Premises and equipment expense	$35,461,000	97
Additional noninterest expense	$46,487,000	178
Pre-tax net operating income	$141,583,000	132
Securities gains (losses)	$3,468,000	74
Applicable income taxes	$50,052,000	129
Income before extraordinary items	$94,999,000	132
Extraordinary gains, net	$0	51
Net income	$94,999,000	133
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,883,000	160
Cash dividends	$98,900,000	84
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$92,744,800	133
2006-09-30 (YTD Data)		Rank
Total interest income	$309,630,000	153
Total interest expense	$123,908,000	164
Net interest income	$185,722,000	140
Provision for loan and lease losses	$5,156,000	190
Total noninterest income	$80,803,000	140
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$80,803,000	106
Total noninterest expense	$151,309,000	142
Salaries and employee benefits	$90,296,000	104
Premises and equipment expense	$26,379,000	100
Additional noninterest expense	$34,634,000	189
Pre-tax net operating income	$110,060,000	139
Securities gains (losses)	$3,072,000	70
Applicable income taxes	$39,443,000	134
Income before extraordinary items	$73,689,000	141
Extraordinary gains, net	$0	45
Net income	$73,689,000	142
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,798,000	160
Cash dividends	$61,700,000	97
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$71,692,200	140
2006-06-30 (YTD Data)		Rank
Total interest income	$204,616,000	156
Total interest expense	$79,089,000	165
Net interest income	$125,527,000	143
Provision for loan and lease losses	$3,856,000	166
Total noninterest income	$54,130,000	141
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$54,130,000	109
Total noninterest expense	$101,282,000	144
Salaries and employee benefits	$60,377,000	107
Premises and equipment expense	$17,664,000	103
Additional noninterest expense	$23,241,000	189
Pre-tax net operating income	$74,519,000	143
Securities gains (losses)	$120,000	328
Applicable income taxes	$26,005,000	139
Income before extraordinary items	$48,634,000	147
Extraordinary gains, net	$0	39
Net income	$48,634,000	147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,534,000	152
Cash dividends	$23,500,000	134
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$48,556,000	144
2006-03-31 (YTD Data)		Rank
Total interest income	$100,618,000	156
Total interest expense	$38,496,000	160
Net interest income	$62,122,000	142
Provision for loan and lease losses	$2,300,000	148
Total noninterest income	$26,158,000	143
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$26,158,000	108
Total noninterest expense	$50,528,000	145
Salaries and employee benefits	$29,832,000	112
Premises and equipment expense	$9,040,000	100
Additional noninterest expense	$11,656,000	190
Pre-tax net operating income	$35,452,000	145
Securities gains (losses)	$50,000	351
Applicable income taxes	$12,243,000	142
Income before extraordinary items	$23,259,000	149
Extraordinary gains, net	$0	21
Net income	$23,259,000	150
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,199,000	134
Cash dividends	$23,500,000	78
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$23,226,000	147
2005-12-31 (YTD Data)		Rank
Total interest income	$375,090,000	146
Total interest expense	$126,668,000	148
Net interest income	$248,422,000	133
Provision for loan and lease losses	$7,348,000	184
Total noninterest income	$89,136,000	158
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$89,136,000	119
Total noninterest expense	$182,515,000	148
Salaries and employee benefits	$100,473,000	124
Premises and equipment expense	$31,281,000	108
Additional noninterest expense	$50,761,000	187
Pre-tax net operating income	$147,695,000	139
Securities gains (losses)	$376,000	345
Applicable income taxes	$54,213,000	134
Income before extraordinary items	$93,858,000	145
Extraordinary gains, net	$0	46
Net income	$93,858,000	145
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,106,000	173
Cash dividends	$215,000,000	53
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$93,617,360	140
2005-09-30 (YTD Data)		Rank
Total interest income	$276,668,000	148
Total interest expense	$90,652,000	150
Net interest income	$186,016,000	134
Provision for loan and lease losses	$4,848,000	192
Total noninterest income	$64,308,000	163
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$64,308,000	129
Total noninterest expense	$134,475,000	154
Salaries and employee benefits	$73,108,000	129
Premises and equipment expense	$22,708,000	113
Additional noninterest expense	$38,659,000	183
Pre-tax net operating income	$111,001,000	139
Securities gains (losses)	$221,000	453
Applicable income taxes	$41,023,000	136
Income before extraordinary items	$70,199,000	146
Extraordinary gains, net	$0	35
Net income	$70,199,000	146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,656,000	186
Cash dividends	$145,000,000	57
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$70,057,560	143
2005-06-30 (YTD Data)		Rank
Total interest income	$180,390,000	146
Total interest expense	$57,424,000	146
Net interest income	$122,966,000	132
Provision for loan and lease losses	$3,201,000	183
Total noninterest income	$39,058,000	174
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$39,058,000	136
Total noninterest expense	$87,926,000	155
Salaries and employee benefits	$47,011,000	130
Premises and equipment expense	$14,663,000	121
Additional noninterest expense	$26,252,000	179
Pre-tax net operating income	$70,897,000	140
Securities gains (losses)	$189,000	417
Applicable income taxes	$25,181,000	141
Income before extraordinary items	$45,905,000	149
Extraordinary gains, net	$0	30
Net income	$45,905,000	149
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,438,000	201
Cash dividends	$145,000,000	39
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$45,782,150	144
2005-03-31 (YTD Data)		Rank
Total interest income	$86,476,000	146
Total interest expense	$26,693,000	144
Net interest income	$59,783,000	132
Provision for loan and lease losses	$2,301,000	129
Total noninterest income	$18,662,000	180
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$18,662,000	142
Total noninterest expense	$43,001,000	160
Salaries and employee benefits	$22,958,000	136
Premises and equipment expense	$6,911,000	122
Additional noninterest expense	$13,132,000	182
Pre-tax net operating income	$33,143,000	151
Securities gains (losses)	$122,000	337
Applicable income taxes	$11,809,000	146
Income before extraordinary items	$21,456,000	155
Extraordinary gains, net	$0	24
Net income	$21,456,000	156
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,539,000	180
Cash dividends	$100,000,000	29
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$21,376,700	152
2004-12-31 (YTD Data)		Rank
Total interest income	$224,410,000	181
Total interest expense	$70,220,000	167
Net interest income	$154,190,000	187
Provision for loan and lease losses	$8,441,000	166
Total noninterest income	$52,095,000	216
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$52,095,000	169
Total noninterest expense	$117,982,000	197
Salaries and employee benefits	$67,569,000	164
Premises and equipment expense	$19,499,000	158
Additional noninterest expense	$30,914,000	253
Pre-tax net operating income	$79,862,000	185
Securities gains (losses)	$672,000	376
Applicable income taxes	$27,766,000	184
Income before extraordinary items	$52,768,000	194
Extraordinary gains, net	$0	34
Net income	$52,768,000	195
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,089,000	185
Cash dividends	$38,600,000	150
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$52,324,480	191
2004-09-30 (YTD Data)		Rank
Total interest income	$165,535,000	187
Total interest expense	$51,757,000	167
Net interest income	$113,778,000	188
Provision for loan and lease losses	$6,595,000	171
Total noninterest income	$38,546,000	222
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$38,546,000	173
Total noninterest expense	$86,645,000	202
Salaries and employee benefits	$50,112,000	165
Premises and equipment expense	$14,626,000	160
Additional noninterest expense	$21,907,000	259
Pre-tax net operating income	$59,084,000	190
Securities gains (losses)	$463,000	446
Applicable income taxes	$20,533,000	187
Income before extraordinary items	$39,014,000	195
Extraordinary gains, net	$0	26
Net income	$39,014,000	196
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,392,000	182
Cash dividends	$38,600,000	122
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$38,708,420	191
2004-06-30 (YTD Data)		Rank
Total interest income	$108,741,000	186
Total interest expense	$34,140,000	163
Net interest income	$74,601,000	189
Provision for loan and lease losses	$4,853,000	162
Total noninterest income	$25,345,000	226
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$25,345,000	182
Total noninterest expense	$56,848,000	203
Salaries and employee benefits	$32,805,000	166
Premises and equipment expense	$9,732,000	160
Additional noninterest expense	$14,311,000	256
Pre-tax net operating income	$38,245,000	196
Securities gains (losses)	$331,000	455
Applicable income taxes	$13,041,000	193
Income before extraordinary items	$25,535,000	203
Extraordinary gains, net	$0	21
Net income	$25,535,000	204
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,489,000	186
Cash dividends	$24,600,000	119
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$25,316,540	200
2004-03-31 (YTD Data)		Rank
Total interest income	$53,031,000	187
Total interest expense	$16,890,000	166
Net interest income	$36,141,000	192
Provision for loan and lease losses	$1,750,000	210
Total noninterest income	$11,914,000	226
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$11,914,000	182
Total noninterest expense	$27,907,000	206
Salaries and employee benefits	$16,383,000	168
Premises and equipment expense	$4,899,000	161
Additional noninterest expense	$6,625,000	264
Pre-tax net operating income	$18,398,000	194
Securities gains (losses)	$181,000	541
Applicable income taxes	$6,413,000	195
Income before extraordinary items	$12,166,000	207
Extraordinary gains, net	$0	16
Net income	$12,166,000	208
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,055,000	262
Cash dividends	$11,000,000	112
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$12,048,350	197
2003-12-31 (YTD Data)		Rank
Total interest income	$168,473,000	215
Total interest expense	$64,914,000	185
Net interest income	$103,559,000	234
Provision for loan and lease losses	$7,929,000	233
Total noninterest income	$46,070,000	240
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$46,070,000	197
Total noninterest expense	$86,550,000	243
Salaries and employee benefits	$51,610,000	194
Premises and equipment expense	$14,599,000	194
Additional noninterest expense	$20,341,000	332
Pre-tax net operating income	$55,150,000	227
Securities gains (losses)	$1,361,000	384
Applicable income taxes	$20,616,000	225
Income before extraordinary items	$35,895,000	252
Extraordinary gains, net	$0	54
Net income	$35,895,000	254
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,384,000	266
Cash dividends	$32,500,000	164
Sale, conversion, retirement of capital stock, net	$175,004,000	13
Net operating income	$35,023,960	236
2003-09-30 (YTD Data)		Rank
Total interest income	$126,138,000	224
Total interest expense	$50,271,000	189
Net interest income	$75,867,000	248
Provision for loan and lease losses	$5,921,000	243
Total noninterest income	$35,393,000	243
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$35,393,000	198
Total noninterest expense	$64,364,000	247
Salaries and employee benefits	$38,438,000	195
Premises and equipment expense	$10,944,000	199
Additional noninterest expense	$14,982,000	348
Pre-tax net operating income	$40,975,000	236
Securities gains (losses)	$911,000	472
Applicable income taxes	$16,001,000	231
Income before extraordinary items	$25,885,000	265
Extraordinary gains, net	$0	40
Net income	$25,885,000	265
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,577,000	290
Cash dividends	$12,500,000	265
Sale, conversion, retirement of capital stock, net	$175,004,000	10
Net operating income	$25,301,960	246
2003-06-30 (YTD Data)		Rank
Total interest income	$84,534,000	223
Total interest expense	$34,989,000	186
Net interest income	$49,545,000	251
Provision for loan and lease losses	$4,164,000	233
Total noninterest income	$24,044,000	235
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$24,044,000	191
Total noninterest expense	$42,961,000	247
Salaries and employee benefits	$25,667,000	194
Premises and equipment expense	$7,277,000	197
Additional noninterest expense	$10,017,000	342
Pre-tax net operating income	$26,464,000	244
Securities gains (losses)	$636,000	495
Applicable income taxes	$10,781,000	229
Income before extraordinary items	$16,319,000	285
Extraordinary gains, net	$0	30
Net income	$16,319,000	286
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,258,000	300
Cash dividends	$8,000,000	239
Sale, conversion, retirement of capital stock, net	$175,004,000	7
Net operating income	$15,911,960	264
2003-03-31 (YTD Data)		Rank
Total interest income	$42,406,000	227
Total interest expense	$18,140,000	188
Net interest income	$24,266,000	257
Provision for loan and lease losses	$1,957,000	247
Total noninterest income	$13,228,000	231
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$13,228,000	180
Total noninterest expense	$22,539,000	236
Salaries and employee benefits	$13,424,000	188
Premises and equipment expense	$3,804,000	196
Additional noninterest expense	$5,311,000	323
Pre-tax net operating income	$12,998,000	251
Securities gains (losses)	$387,000	424
Applicable income taxes	$5,836,000	221
Income before extraordinary items	$7,549,000	298
Extraordinary gains, net	$0	21
Net income	$7,549,000	298
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$919,000	341
Cash dividends	$4,000,000	223
Sale, conversion, retirement of capital stock, net	$175,004,000	3
Net operating income	$7,301,320	280
2002-12-31 (YTD Data)		Rank
Total interest income	$162,891,000	240
Total interest expense	$74,664,000	204
Net interest income	$88,227,000	283
Provision for loan and lease losses	$6,681,000	313
Total noninterest income	$49,412,000	231
Gross Fiduciary activities income	$259,000	755
Service charges on deposit accounts	$9,881,000	193
Trading account gains and fees	$0	153
Additional Noninterest Income	$39,272,000	206
Total noninterest expense	$83,939,000	248
Salaries and employee benefits	$48,603,000	201
Premises and equipment expense	$12,989,000	217
Additional noninterest expense	$22,347,000	323
Pre-tax net operating income	$47,019,000	253
Securities gains (losses)	$-1,110,000	9,310
Applicable income taxes	$17,918,000	244
Income before extraordinary items	$27,991,000	289
Extraordinary gains, net	$0	70
Net income	$27,991,000	289
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,321,000	350
Cash dividends	$10,400,000	354
Sale, conversion, retirement of capital stock, net	$808,000	409
Net operating income	$28,701,400	267
2001-12-31 (YTD Data)		Rank
Total interest income	$121,346,000	340
Total interest expense	$68,965,000	290
Net interest income	$52,381,000	393
Provision for loan and lease losses	$2,290,000	629
Total noninterest income	$39,176,000	256
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$7,085,000	239
Trading account gains and fees	$0	177
Additional Noninterest Income	$32,091,000	233
Total noninterest expense	$62,225,000	305
Salaries and employee benefits	$36,575,000	224
Premises and equipment expense	$8,920,000	288
Additional noninterest expense	$16,730,000	399
Pre-tax net operating income	$27,042,000	343
Securities gains (losses)	$-215,000	9,546
Applicable income taxes	$9,531,000	340
Income before extraordinary items	$17,296,000	366
Extraordinary gains, net	$0	105
Net income	$17,296,000	367
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,809,000	612
Cash dividends	$10,000,000	367
Sale, conversion, retirement of capital stock, net	$805,000	441
Net operating income	$17,433,600	353
2000-12-31 (YTD Data)		Rank
Total interest income	$120,530,000	361
Total interest expense	$70,388,000	337
Net interest income	$50,142,000	402
Provision for loan and lease losses	$2,037,000	606
Total noninterest income	$32,642,000	277
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$6,193,000	244
Trading account gains and fees	$0	180
Additional Noninterest Income	$26,449,000	247
Total noninterest expense	$54,746,000	320
Salaries and employee benefits	$30,692,000	254
Premises and equipment expense	$8,015,000	303
Additional noninterest expense	$16,039,000	416
Pre-tax net operating income	$26,001,000	368
Securities gains (losses)	$-73,000	9,326
Applicable income taxes	$9,014,000	360
Income before extraordinary items	$16,914,000	373
Extraordinary gains, net	$0	38
Net income	$16,914,000	374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$583,000	1,111
Cash dividends	$95,000,000	90
Sale, conversion, retirement of capital stock, net	$494,000	545
Net operating income	$16,961,450	371
1999-12-31 (YTD Data)		Rank
Total interest income	$105,606,000	390
Total interest expense	$58,283,000	342
Net interest income	$47,323,000	442
Provision for loan and lease losses	$2,466,000	478
Total noninterest income	$26,909,000	328
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$4,477,000	321
Trading account gains and fees	$0	173
Additional Noninterest Income	$22,432,000	286
Total noninterest expense	$46,803,000	379
Salaries and employee benefits	$27,075,000	293
Premises and equipment expense	$6,817,000	356
Additional noninterest expense	$12,911,000	497
Pre-tax net operating income	$24,963,000	406
Securities gains (losses)	$511,000	339
Applicable income taxes	$8,745,000	399
Income before extraordinary items	$16,729,000	414
Extraordinary gains, net	$0	35
Net income	$16,729,000	414
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$614,000	1,029
Cash dividends	$10,000,000	389
Sale, conversion, retirement of capital stock, net	$550,000	592
Net operating income	$16,391,740	414
1998-12-31 (YTD Data)		Rank
Total interest income	$91,019,000	437
Total interest expense	$49,370,000	401
Net interest income	$41,649,000	468
Provision for loan and lease losses	$2,084,000	561
Total noninterest income	$8,535,000	664
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$3,457,000	383
Trading account gains and fees	$0	224
Additional Noninterest Income	$5,078,000	637
Total noninterest expense	$31,562,000	511
Salaries and employee benefits	$15,557,000	473
Premises and equipment expense	$5,161,000	428
Additional noninterest expense	$10,844,000	559
Pre-tax net operating income	$16,538,000	509
Securities gains (losses)	$138,000	1,094
Applicable income taxes	$5,531,000	535
Income before extraordinary items	$11,145,000	530
Extraordinary gains, net	$0	32
Net income	$11,145,000	529
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$995,000	754
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$52,440,000	18
Net operating income	$11,052,540	511
1997-12-31 (YTD Data)		Rank
Total interest income	$82,742,000	467
Total interest expense	$44,979,000	429
Net interest income	$37,763,000	508
Provision for loan and lease losses	$1,493,000	733
Total noninterest income	$5,687,000	846
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$2,783,000	475
Trading account gains and fees	$0	239
Additional Noninterest Income	$2,904,000	857
Total noninterest expense	$25,357,000	598
Salaries and employee benefits	$12,829,000	529
Premises and equipment expense	$4,513,000	481
Additional noninterest expense	$8,015,000	691
Pre-tax net operating income	$16,600,000	538
Securities gains (losses)	$910,000	301
Applicable income taxes	$6,259,000	520
Income before extraordinary items	$11,251,000	534
Extraordinary gains, net	$0	44
Net income	$11,251,000	534
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,111,000	745
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$10,668,600	545
1996-12-31 (YTD Data)		Rank
Total interest income	$75,416,000	534
Total interest expense	$40,655,000	491
Net interest income	$34,761,000	584
Provision for loan and lease losses	$2,187,000	574
Total noninterest income	$4,846,000	971
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$2,200,000	620
Trading account gains and fees	$0	262
Additional Noninterest Income	$2,646,000	958
Total noninterest expense	$20,950,000	756
Salaries and employee benefits	$11,255,000	625
Premises and equipment expense	$3,740,000	596
Additional noninterest expense	$5,955,000	996
Pre-tax net operating income	$16,470,000	528
Securities gains (losses)	$576,000	382
Applicable income taxes	$6,278,000	501
Income before extraordinary items	$10,768,000	544
Extraordinary gains, net	$0	53
Net income	$10,768,000	546
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$355,000	1,835
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$10,399,360	545
1995-12-31 (YTD Data)		Rank
Total interest income	$70,195,000	593
Total interest expense	$39,034,000	532
Net interest income	$31,161,000	663
Provision for loan and lease losses	$1,016,000	927
Total noninterest income	$3,624,000	1,193
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$1,589,000	829
Trading account gains and fees	$0	522
Additional Noninterest Income	$2,035,000	1,114
Total noninterest expense	$20,176,000	781
Salaries and employee benefits	$9,502,000	742
Premises and equipment expense	$3,085,000	743
Additional noninterest expense	$7,589,000	822
Pre-tax net operating income	$13,593,000	643
Securities gains (losses)	$1,476,000	168
Applicable income taxes	$5,144,000	602
Income before extraordinary items	$9,925,000	603
Extraordinary gains, net	$0	65
Net income	$9,925,000	603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$501,000	1,384
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$8,950,840	650
1994-12-31 (YTD Data)		Rank
Total interest income	$63,488,000	567
Total interest expense	$31,819,000	507
Net interest income	$31,669,000	641
Provision for loan and lease losses	$948,000	968
Total noninterest income	$2,988,000	1,370
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,320,000	1,004
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,668,000	1,281
Total noninterest expense	$18,430,000	864
Salaries and employee benefits	$9,066,000	765
Premises and equipment expense	$2,676,000	829
Additional noninterest expense	$6,688,000	937
Pre-tax net operating income	$15,279,000	566
Securities gains (losses)	$-850,000	12,372
Applicable income taxes	$4,704,000	607
Income before extraordinary items	$9,725,000	576
Extraordinary gains, net	$-924,000	12,589
Net income	$8,801,000	638
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$786,000	1,022
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$10,294,500	549
1993-12-31 (YTD Data)		Rank
Total interest income	$62,237,000	572
Total interest expense	$32,669,000	497
Net interest income	$29,568,000	668
Provision for loan and lease losses	$1,522,000	991
Total noninterest income	$3,047,000	1,441
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$1,285,000	1,029
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,762,000	1,373
Total noninterest expense	$16,770,000	964
Salaries and employee benefits	$8,258,000	842
Premises and equipment expense	$2,399,000	921
Additional noninterest expense	$6,113,000	1,079
Pre-tax net operating income	$14,323,000	526
Securities gains (losses)	$3,600,000	205
Applicable income taxes	$6,578,000	443
Income before extraordinary items	$11,345,000	492
Extraordinary gains, net	$129,000	1,357
Net income	$11,474,000	500
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$181,000	3,310
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$9,041,000	546
1992-12-31 (YTD Data)		Rank
Total interest income	$61,562,000	647
Total interest expense	$34,358,000	596
Net interest income	$27,204,000	735
Provision for loan and lease losses	$1,398,000	1,479
Total noninterest income	$1,828,000	2,057
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$1,058,000	1,254
Trading account gains and fees	$-49,000	5,248
Additional Noninterest Income	$819,000	2,282
Total noninterest expense	$15,867,000	1,024
Salaries and employee benefits	$7,638,000	881
Premises and equipment expense	$2,008,000	1,117
Additional noninterest expense	$6,221,000	1,112
Pre-tax net operating income	$11,767,000	543
Securities gains (losses)	$5,733,000	183
Applicable income taxes	$6,278,000	398
Income before extraordinary items	$11,222,000	441
Extraordinary gains, net	$0	1,422
Net income	$11,222,000	445
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$597,000	2,179
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$7,552,880	568

* 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.