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RVR Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$23,769,0001,674
Total interest expense$5,553,0001,904
Net interest income$18,216,0001,561
Provision for loan and lease losses$1,210,000745
Total noninterest income$4,104,0001,334
Gross Fiduciary activities income$332,000638
Service charges on deposit accounts$529,0001,581
Trading account gains and feesNANA
Additional Noninterest Income$3,243,0001,193
Total noninterest expense$13,575,0001,653
Salaries and employee benefits$7,558,0001,678
Premises and equipment expense$1,356,0001,655
Additional noninterest expense$3,243,0001,193
Pre-tax net operating income$7,535,0001,460
Securities gains (losses)$0988
Applicable income taxes$150,0002,597
Income before extraordinary items$7,385,0001,283
Extraordinary gains, net$054
Net income$7,385,0001,299
Minority interest net income$088
Net income of bank and minority interests.$7,385,0001,286
Net charge-offs$-218,0004,456
Cash dividends$5,582,000742
Sale, conversion, retirement of capital stock, net$0540
Net operating income$7,385,0001,304
2023-09-30 (YTD Data)Rank
Total interest income$17,172,0001,682
Total interest expense$3,649,0001,933
Net interest income$13,523,0001,585
Provision for loan and lease losses$907,000693
Total noninterest income$3,131,0001,311
Gross Fiduciary activities income$249,000630
Service charges on deposit accounts$414,0001,545
Trading account gains and feesNANA
Additional Noninterest Income$2,468,0001,184
Total noninterest expense$10,096,0001,659
Salaries and employee benefits$5,416,0001,730
Premises and equipment expense$1,051,0001,611
Additional noninterest expense$2,468,0001,184
Pre-tax net operating income$5,651,0001,510
Securities gains (losses)$0849
Applicable income taxes$140,0002,526
Income before extraordinary items$5,511,0001,334
Extraordinary gains, net$052
Net income$5,511,0001,344
Minority interest net income$081
Net income of bank and minority interests.$5,511,0001,334
Net charge-offs$-215,0004,477
Cash dividends$3,214,000841
Sale, conversion, retirement of capital stock, net$0507
Net operating income$5,511,0001,354
2023-06-30 (YTD Data)Rank
Total interest income$11,044,0001,705
Total interest expense$2,072,0001,979
Net interest income$8,972,0001,599
Provision for loan and lease losses$603,000686
Total noninterest income$2,109,0001,260
Gross Fiduciary activities income$161,000630
Service charges on deposit accounts$295,0001,473
Trading account gains and feesNANA
Additional Noninterest Income$1,653,0001,116
Total noninterest expense$6,859,0001,618
Salaries and employee benefits$3,650,0001,717
Premises and equipment expense$734,0001,562
Additional noninterest expense$1,653,0001,115
Pre-tax net operating income$3,619,0001,551
Securities gains (losses)$0938
Applicable income taxes$97,0002,560
Income before extraordinary items$3,522,0001,379
Extraordinary gains, net$051
Net income$3,522,0001,394
Minority interest net income$081
Net income of bank and minority interests.$3,522,0001,379
Net charge-offs$-227,0004,551
Cash dividends$3,152,000610
Sale, conversion, retirement of capital stock, net$0486
Net operating income$3,522,0001,391
2023-03-31 (YTD Data)Rank
Total interest income$5,397,0001,718
Total interest expense$878,0001,994
Net interest income$4,519,0001,603
Provision for loan and lease losses$300,000662
Total noninterest income$1,056,0001,258
Gross Fiduciary activities income$81,000658
Service charges on deposit accounts$158,0001,427
Trading account gains and feesNANA
Additional Noninterest Income$817,0001,114
Total noninterest expense$3,283,0001,702
Salaries and employee benefits$1,673,0001,849
Premises and equipment expense$380,0001,542
Additional noninterest expense$817,0001,114
Pre-tax net operating income$1,992,0001,477
Securities gains (losses)$0950
Applicable income taxes$48,0002,572
Income before extraordinary items$1,944,0001,316
Extraordinary gains, net$04
Net income$1,944,0001,315
Minority interest net income$048
Net income of bank and minority interests.$1,944,0001,316
Net charge-offs$-143,0004,577
Cash dividends$2,000,000476
Sale, conversion, retirement of capital stock, net$0430
Net operating income$1,944,0001,332
2022-12-31 (YTD Data)Rank
Total interest income$17,825,0001,711
Total interest expense$887,0002,579
Net interest income$16,938,0001,638
Provision for loan and lease losses$910,000868
Total noninterest income$4,054,0001,355
Gross Fiduciary activities income$356,000654
Service charges on deposit accounts$630,0001,451
Trading account gains and feesNANA
Additional Noninterest Income$3,068,0001,243
Total noninterest expense$12,841,0001,687
Salaries and employee benefits$6,939,0001,761
Premises and equipment expense$1,168,0001,850
Additional noninterest expense$3,068,0001,243
Pre-tax net operating income$7,241,0001,600
Securities gains (losses)$0691
Applicable income taxes$159,0002,758
Income before extraordinary items$7,082,0001,433
Extraordinary gains, net$05
Net income$7,082,0001,432
Minority interest net income$063
Net income of bank and minority interests.$7,082,0001,433
Net charge-offs$456,000620
Cash dividends$2,200,0001,399
Sale, conversion, retirement of capital stock, net$0568
Net operating income$7,082,0001,454
2022-09-30 (YTD Data)Rank
Total interest income$12,733,0001,722
Total interest expense$481,0002,707
Net interest income$12,252,0001,661
Provision for loan and lease losses$681,000799
Total noninterest income$2,900,0001,420
Gross Fiduciary activities income$247,000657
Service charges on deposit accounts$472,0001,466
Trading account gains and feesNANA
Additional Noninterest Income$2,181,0001,315
Total noninterest expense$9,426,0001,706
Salaries and employee benefits$4,954,0001,819
Premises and equipment expense$875,0001,865
Additional noninterest expense$2,181,0001,315
Pre-tax net operating income$5,045,0001,687
Securities gains (losses)$0740
Applicable income taxes$137,0002,684
Income before extraordinary items$4,908,0001,509
Extraordinary gains, net$04
Net income$4,908,0001,509
Minority interest net income$057
Net income of bank and minority interests.$4,908,0001,509
Net charge-offs$407,000494
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$0519
Net operating income$4,908,0001,540
2022-06-30 (YTD Data)Rank
Total interest income$8,162,0001,734
Total interest expense$299,0002,661
Net interest income$7,863,0001,682
Provision for loan and lease losses$450,000730
Total noninterest income$1,785,0001,480
Gross Fiduciary activities income$168,000618
Service charges on deposit accounts$308,0001,476
Trading account gains and feesNANA
Additional Noninterest Income$1,309,0001,433
Total noninterest expense$6,165,0001,721
Salaries and employee benefits$3,186,0001,865
Premises and equipment expense$561,0001,912
Additional noninterest expense$2,418,0001,386
Pre-tax net operating income$3,033,0001,722
Securities gains (losses)$0687
Applicable income taxes$90,0002,624
Income before extraordinary items$2,943,0001,538
Extraordinary gains, net$04
Net income$2,943,0001,537
Minority interest net income$060
Net income of bank and minority interests.$2,943,0001,538
Net charge-offs$519,000331
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$0494
Net operating income$2,943,0001,574
2022-03-31 (YTD Data)Rank
Total interest income$3,968,0001,734
Total interest expense$149,0002,633
Net interest income$3,819,0001,678
Provision for loan and lease losses$225,000608
Total noninterest income$856,0001,514
Gross Fiduciary activities income$86,000617
Service charges on deposit accounts$147,0001,522
Trading account gains and feesNANA
Additional Noninterest Income$623,0001,472
Total noninterest expense$3,124,0001,692
Salaries and employee benefits$1,641,0001,815
Premises and equipment expense$285,0001,905
Additional noninterest expense$1,198,0001,375
Pre-tax net operating income$1,326,0001,797
Securities gains (losses)$0623
Applicable income taxes$43,0002,586
Income before extraordinary items$1,283,0001,623
Extraordinary gains, net$04
Net income$1,283,0001,622
Minority interest net income$050
Net income of bank and minority interests.$1,283,0001,623
Net charge-offs$120,000460
Cash dividends$02,284
Sale, conversion, retirement of capital stock, net$0453
Net operating income$1,283,0001,645
2021-12-31 (YTD Data)Rank
Total interest income$12,048,0002,196
Total interest expense$591,0002,929
Net interest income$11,457,0002,102
Provision for loan and lease losses$306,0001,382
Total noninterest income$3,364,0001,676
Gross Fiduciary activities income$325,000629
Service charges on deposit accounts$469,0001,665
Trading account gains and feesNANA
Additional Noninterest Income$2,570,0001,639
Total noninterest expense$9,176,0002,085
Salaries and employee benefits$5,061,0002,153
Premises and equipment expense$722,0002,469
Additional noninterest expense$3,393,0001,811
Pre-tax net operating income$5,339,0001,958
Securities gains (losses)$02,062
Applicable income taxes$120,0002,976
Income before extraordinary items$5,219,0001,835
Extraordinary gains, net$010
Net income$5,219,0001,835
Minority interest net income$074
Net income of bank and minority interests.$5,219,0001,836
Net charge-offs$561,000591
Cash dividends$2,404,0001,367
Sale, conversion, retirement of capital stock, net$0582
Net operating income$5,219,0001,794
2021-09-30 (YTD Data)Rank
Total interest income$8,862,0002,271
Total interest expense$470,0002,944
Net interest income$8,392,0002,180
Provision for loan and lease losses$55,0002,303
Total noninterest income$2,616,0001,678
Gross Fiduciary activities income$241,000622
Service charges on deposit accounts$336,0001,711
Trading account gains and feesNANA
Additional Noninterest Income$2,039,0001,646
Total noninterest expense$6,182,0002,248
Salaries and employee benefits$3,312,0002,349
Premises and equipment expense$514,0002,564
Additional noninterest expense$2,356,0001,909
Pre-tax net operating income$4,771,0001,829
Securities gains (losses)$02,015
Applicable income taxes$87,0002,987
Income before extraordinary items$4,684,0001,682
Extraordinary gains, net$08
Net income$4,684,0001,681
Minority interest net income$069
Net income of bank and minority interests.$4,684,0001,682
Net charge-offs$-77,0004,366
Cash dividends$1,504,0001,382
Sale, conversion, retirement of capital stock, net$0543
Net operating income$4,684,0001,654
2021-06-30 (YTD Data)Rank
Total interest income$6,115,0002,200
Total interest expense$351,0002,861
Net interest income$5,764,0002,104
Provision for loan and lease losses$52,0002,131
Total noninterest income$1,362,0001,896
Gross Fiduciary activities income$155,000630
Service charges on deposit accounts$218,0001,695
Trading account gains and feesNANA
Additional Noninterest Income$989,0001,921
Total noninterest expense$3,940,0002,315
Salaries and employee benefits$2,115,0002,420
Premises and equipment expense$338,0002,572
Additional noninterest expense$1,487,0001,982
Pre-tax net operating income$3,134,0001,826
Securities gains (losses)$01,818
Applicable income taxes$56,0002,989
Income before extraordinary items$3,078,0001,680
Extraordinary gains, net$06
Net income$3,078,0001,680
Minority interest net income$067
Net income of bank and minority interests.$3,078,0001,680
Net charge-offs$-74,0004,496
Cash dividends$600,0001,779
Sale, conversion, retirement of capital stock, net$0517
Net operating income$3,078,0001,653
2021-03-31 (YTD Data)Rank
Total interest income$2,729,0002,375
Total interest expense$204,0002,730
Net interest income$2,525,0002,312
Provision for loan and lease losses$51,0001,715
Total noninterest income$688,0001,903
Gross Fiduciary activities income$72,000637
Service charges on deposit accounts$109,0001,689
Trading account gains and feesNANA
Additional Noninterest Income$507,0001,906
Total noninterest expense$1,913,0002,336
Salaries and employee benefits$1,050,0002,433
Premises and equipment expense$166,0002,618
Additional noninterest expense$697,0002,044
Pre-tax net operating income$1,249,0002,103
Securities gains (losses)$01,392
Applicable income taxes$26,0002,974
Income before extraordinary items$1,223,0001,971
Extraordinary gains, net$03
Net income$1,223,0001,971
Minority interest net income$055
Net income of bank and minority interests.$1,223,0001,971
Net charge-offs$-95,0004,755
Cash dividends$600,0001,054
Sale, conversion, retirement of capital stock, net$0482
Net operating income$1,223,0001,935
2020-12-31 (YTD Data)Rank
Total interest income$12,122,0002,220
Total interest expense$1,238,0002,643
Net interest income$10,884,0002,115
Provision for loan and lease losses$352,0002,549
Total noninterest income$2,426,0001,915
Gross Fiduciary activities income$266,000647
Service charges on deposit accounts$492,0001,636
Trading account gains and feesNANA
Additional Noninterest Income$1,668,0001,980
Total noninterest expense$8,228,0002,225
Salaries and employee benefits$4,578,0002,267
Premises and equipment expense$736,0002,454
Additional noninterest expense$2,914,0001,951
Pre-tax net operating income$4,730,0001,852
Securities gains (losses)$02,675
Applicable income taxes$113,0002,888
Income before extraordinary items$4,617,0001,732
Extraordinary gains, net$04
Net income$4,617,0001,732
Minority interest net income$072
Net income of bank and minority interests.$4,617,0001,732
Net charge-offs$4,0003,213
Cash dividends$3,259,0001,054
Sale, conversion, retirement of capital stock, net$0566
Net operating income$4,617,0001,696
2020-09-30 (YTD Data)Rank
Total interest income$9,049,0002,243
Total interest expense$977,0002,656
Net interest income$8,072,0002,117
Provision for loan and lease losses$301,0002,420
Total noninterest income$1,773,0001,909
Gross Fiduciary activities income$191,000642
Service charges on deposit accounts$351,0001,685
Trading account gains and feesNANA
Additional Noninterest Income$1,231,0001,943
Total noninterest expense$5,871,0002,283
Salaries and employee benefits$3,107,0002,413
Premises and equipment expense$586,0002,361
Additional noninterest expense$2,178,0001,940
Pre-tax net operating income$3,673,0001,781
Securities gains (losses)$02,494
Applicable income taxes$84,0002,892
Income before extraordinary items$3,589,0001,672
Extraordinary gains, net$04
Net income$3,589,0001,673
Minority interest net income$065
Net income of bank and minority interests.$3,589,0001,673
Net charge-offs$-10,0004,251
Cash dividends$2,234,0001,021
Sale, conversion, retirement of capital stock, net$0532
Net operating income$3,589,0001,627
2020-06-30 (YTD Data)Rank
Total interest income$6,100,0002,255
Total interest expense$686,0002,680
Net interest income$5,414,0002,124
Provision for loan and lease losses$301,0002,040
Total noninterest income$1,147,0001,882
Gross Fiduciary activities income$127,000651
Service charges on deposit accounts$229,0001,732
Trading account gains and feesNANA
Additional Noninterest Income$791,0001,912
Total noninterest expense$3,902,0002,282
Salaries and employee benefits$2,013,0002,460
Premises and equipment expense$418,0002,268
Additional noninterest expense$1,471,0001,909
Pre-tax net operating income$2,358,0001,773
Securities gains (losses)$02,249
Applicable income taxes$55,0002,853
Income before extraordinary items$2,303,0001,638
Extraordinary gains, net$04
Net income$2,303,0001,639
Minority interest net income$065
Net income of bank and minority interests.$2,303,0001,639
Net charge-offs$-2,0003,888
Cash dividends$829,0001,495
Sale, conversion, retirement of capital stock, net$0504
Net operating income$2,303,0001,592
2020-03-31 (YTD Data)Rank
Total interest income$3,019,0002,252
Total interest expense$379,0002,685
Net interest income$2,640,0002,124
Provision for loan and lease losses$151,0001,623
Total noninterest income$621,0001,716
Gross Fiduciary activities income$65,000650
Service charges on deposit accounts$150,0001,625
Trading account gains and feesNANA
Additional Noninterest Income$406,0001,714
Total noninterest expense$2,057,0002,239
Salaries and employee benefits$1,074,0002,359
Premises and equipment expense$208,0002,290
Additional noninterest expense$775,0001,874
Pre-tax net operating income$1,053,0001,758
Securities gains (losses)$01,705
Applicable income taxes$27,0002,749
Income before extraordinary items$1,026,0001,625
Extraordinary gains, net$04
Net income$1,026,0001,626
Minority interest net income$056
Net income of bank and minority interests.$1,026,0001,626
Net charge-offs$-6,0004,282
Cash dividends$829,000928
Sale, conversion, retirement of capital stock, net$0482
Net operating income$1,026,0001,601
2019-12-31 (YTD Data)Rank
Total interest income$12,135,0002,265
Total interest expense$1,639,0002,636
Net interest income$10,496,0002,143
Provision for loan and lease losses$308,0001,926
Total noninterest income$2,575,0001,717
Gross Fiduciary activities income$250,000665
Service charges on deposit accounts$645,0001,595
Trading account gains and feesNANA
Additional Noninterest Income$1,680,0001,700
Total noninterest expense$7,965,0002,250
Salaries and employee benefits$4,377,0002,289
Premises and equipment expense$819,0002,312
Additional noninterest expense$2,769,0002,053
Pre-tax net operating income$4,798,0001,816
Securities gains (losses)$1,0002,288
Applicable income taxes$112,0002,971
Income before extraordinary items$4,687,0001,678
Extraordinary gains, net$011
Net income$4,687,0001,680
Minority interest net income$076
Net income of bank and minority interests.$4,687,0001,680
Net charge-offs$25,0003,025
Cash dividends$3,513,0001,065
Sale, conversion, retirement of capital stock, net$0626
Net operating income$4,686,0201,649
2019-09-30 (YTD Data)Rank
Total interest income$9,062,0002,307
Total interest expense$1,229,0002,660
Net interest income$7,833,0002,187
Provision for loan and lease losses$305,0001,586
Total noninterest income$1,937,0001,710
Gross Fiduciary activities income$186,000663
Service charges on deposit accounts$475,0001,614
Trading account gains and feesNANA
Additional Noninterest Income$1,276,0001,672
Total noninterest expense$5,713,0002,328
Salaries and employee benefits$3,008,0002,441
Premises and equipment expense$635,0002,279
Additional noninterest expense$2,070,0002,069
Pre-tax net operating income$3,752,0001,802
Securities gains (losses)$1,0002,065
Applicable income taxes$85,0003,025
Income before extraordinary items$3,668,0001,652
Extraordinary gains, net$011
Net income$3,668,0001,653
Minority interest net income$072
Net income of bank and minority interests.$3,668,0001,653
Net charge-offs$15,0002,825
Cash dividends$2,140,0001,135
Sale, conversion, retirement of capital stock, net$0590
Net operating income$3,667,0201,619
2019-06-30 (YTD Data)Rank
Total interest income$5,969,0002,321
Total interest expense$807,0002,663
Net interest income$5,162,0002,214
Provision for loan and lease losses$303,0001,185
Total noninterest income$1,248,0001,716
Gross Fiduciary activities income$120,000671
Service charges on deposit accounts$306,0001,635
Trading account gains and feesNANA
Additional Noninterest Income$822,0001,687
Total noninterest expense$3,774,0002,354
Salaries and employee benefits$1,956,0002,499
Premises and equipment expense$438,0002,251
Additional noninterest expense$1,380,0002,077
Pre-tax net operating income$2,333,0001,882
Securities gains (losses)$1,0001,602
Applicable income taxes$58,0003,015
Income before extraordinary items$2,276,0001,722
Extraordinary gains, net$011
Net income$2,276,0001,722
Minority interest net income$069
Net income of bank and minority interests.$2,276,0001,722
Net charge-offs$-5,0004,282
Cash dividends$1,250,0001,245
Sale, conversion, retirement of capital stock, net$0573
Net operating income$2,275,0201,691
2019-03-31 (YTD Data)Rank
Total interest income$2,867,0002,388
Total interest expense$388,0002,682
Net interest income$2,479,0002,296
Provision for loan and lease losses$151,0001,131
Total noninterest income$582,0001,769
Gross Fiduciary activities income$61,000674
Service charges on deposit accounts$156,0001,621
Trading account gains and feesNANA
Additional Noninterest Income$365,0001,749
Total noninterest expense$1,938,0002,324
Salaries and employee benefits$1,040,0002,422
Premises and equipment expense$217,0002,285
Additional noninterest expense$681,0002,082
Pre-tax net operating income$972,0002,091
Securities gains (losses)$1,0001,020
Applicable income taxes$31,0002,945
Income before extraordinary items$942,0001,968
Extraordinary gains, net$05
Net income$942,0001,966
Minority interest net income$052
Net income of bank and minority interests.$942,0001,967
Net charge-offs$-9,0004,625
Cash dividends$500,0001,319
Sale, conversion, retirement of capital stock, net$0529
Net operating income$941,0301,949
2018-12-31 (YTD Data)Rank
Total interest income$10,657,0002,414
Total interest expense$1,154,0002,729
Net interest income$9,503,0002,340
Provision for loan and lease losses$206,0002,332
Total noninterest income$2,237,0001,867
Gross Fiduciary activities income$256,000681
Service charges on deposit accounts$658,0001,613
Trading account gains and feesNANA
Additional Noninterest Income$1,323,0001,927
Total noninterest expense$7,624,0002,330
Salaries and employee benefits$4,079,0002,425
Premises and equipment expense$722,0002,518
Additional noninterest expense$2,823,0002,026
Pre-tax net operating income$3,910,0002,141
Securities gains (losses)$01,125
Applicable income taxes$99,0003,093
Income before extraordinary items$3,811,0001,973
Extraordinary gains, net$06
Net income$3,811,0001,971
Minority interest net income$072
Net income of bank and minority interests.$3,811,0001,972
Net charge-offs$-54,0004,911
Cash dividends$2,118,0001,404
Sale, conversion, retirement of capital stock, net$0671
Net operating income$3,811,0001,964
2018-09-30 (YTD Data)Rank
Total interest income$7,805,0002,447
Total interest expense$812,0002,747
Net interest income$6,993,0002,384
Provision for loan and lease losses$206,0001,955
Total noninterest income$1,668,0001,890
Gross Fiduciary activities income$192,000679
Service charges on deposit accounts$486,0001,632
Trading account gains and feesNANA
Additional Noninterest Income$990,0001,948
Total noninterest expense$5,583,0002,371
Salaries and employee benefits$2,920,0002,496
Premises and equipment expense$563,0002,476
Additional noninterest expense$2,100,0002,033
Pre-tax net operating income$2,872,0002,188
Securities gains (losses)$01,118
Applicable income taxes$73,0003,167
Income before extraordinary items$2,799,0002,002
Extraordinary gains, net$05
Net income$2,799,0001,999
Minority interest net income$066
Net income of bank and minority interests.$2,799,0002,001
Net charge-offs$-74,0005,042
Cash dividends$1,749,0001,184
Sale, conversion, retirement of capital stock, net$0633
Net operating income$2,799,0001,991
2018-06-30 (YTD Data)Rank
Total interest income$5,076,0002,475
Total interest expense$518,0002,751
Net interest income$4,558,0002,422
Provision for loan and lease losses$204,0001,498
Total noninterest income$1,078,0001,927
Gross Fiduciary activities income$129,000678
Service charges on deposit accounts$325,0001,630
Trading account gains and feesNANA
Additional Noninterest Income$624,0002,015
Total noninterest expense$3,643,0002,421
Salaries and employee benefits$1,938,0002,526
Premises and equipment expense$306,0002,836
Additional noninterest expense$1,399,0002,051
Pre-tax net operating income$1,789,0002,256
Securities gains (losses)$0961
Applicable income taxes$48,0003,160
Income before extraordinary items$1,741,0002,089
Extraordinary gains, net$06
Net income$1,741,0002,087
Minority interest net income$065
Net income of bank and minority interests.$1,741,0002,088
Net charge-offs$-74,0005,124
Cash dividends$1,338,0001,059
Sale, conversion, retirement of capital stock, net$0620
Net operating income$1,741,0002,082
2018-03-31 (YTD Data)Rank
Total interest income$2,525,0002,479
Total interest expense$239,0002,811
Net interest income$2,286,0002,412
Provision for loan and lease losses$152,0001,099
Total noninterest income$568,0001,844
Gross Fiduciary activities income$68,000676
Service charges on deposit accounts$164,0001,618
Trading account gains and feesNANA
Additional Noninterest Income$336,0001,882
Total noninterest expense$1,859,0002,402
Salaries and employee benefits$1,034,0002,443
Premises and equipment expense$142,0003,015
Additional noninterest expense$683,0002,079
Pre-tax net operating income$843,0002,303
Securities gains (losses)$0735
Applicable income taxes$24,0003,143
Income before extraordinary items$819,0002,137
Extraordinary gains, net$07
Net income$819,0002,136
Minority interest net income$052
Net income of bank and minority interests.$819,0002,137
Net charge-offs$-165,0005,460
Cash dividends$450,0001,277
Sale, conversion, retirement of capital stock, net$0580
Net operating income$819,0002,122
2017-12-31 (YTD Data)Rank
Total interest income$9,755,0002,489
Total interest expense$906,0002,722
Net interest income$8,849,0002,441
Provision for loan and lease losses$845,0001,010
Total noninterest income$2,203,0001,914
Gross Fiduciary activities income$257,000691
Service charges on deposit accounts$767,0001,468
Trading account gains and feesNANA
Additional Noninterest Income$1,179,0002,083
Total noninterest expense$7,190,0002,467
Salaries and employee benefits$3,971,0002,484
Premises and equipment expense$610,0002,888
Additional noninterest expense$2,609,0002,188
Pre-tax net operating income$3,017,0002,476
Securities gains (losses)$02,243
Applicable income taxes$94,0003,313
Income before extraordinary items$2,923,0002,096
Extraordinary gains, net$09
Net income$2,923,0002,096
Minority interest net income$076
Net income of bank and minority interests.$2,923,0002,096
Net charge-offs$-45,0005,111
Cash dividends$1,481,0001,743
Sale, conversion, retirement of capital stock, net$0711
Net operating income$2,923,0002,075
2017-09-30 (YTD Data)Rank
Total interest income$7,280,0002,511
Total interest expense$677,0002,702
Net interest income$6,603,0002,469
Provision for loan and lease losses$689,000935
Total noninterest income$1,628,0001,954
Gross Fiduciary activities income$192,000690
Service charges on deposit accounts$590,0001,448
Trading account gains and feesNANA
Additional Noninterest Income$846,0002,168
Total noninterest expense$5,417,0002,469
Salaries and employee benefits$3,026,0002,466
Premises and equipment expense$455,0002,930
Additional noninterest expense$1,936,0002,196
Pre-tax net operating income$2,125,0002,634
Securities gains (losses)$02,274
Applicable income taxes$70,0003,322
Income before extraordinary items$2,055,0002,362
Extraordinary gains, net$09
Net income$2,055,0002,361
Minority interest net income$071
Net income of bank and minority interests.$2,055,0002,362
Net charge-offs$-52,0005,174
Cash dividends$1,110,0001,588
Sale, conversion, retirement of capital stock, net$0677
Net operating income$2,055,0002,340
2017-06-30 (YTD Data)Rank
Total interest income$4,777,0002,528
Total interest expense$442,0002,698
Net interest income$4,335,0002,480
Provision for loan and lease losses$458,000905
Total noninterest income$1,075,0001,957
Gross Fiduciary activities income$132,000688
Service charges on deposit accounts$376,0001,487
Trading account gains and feesNANA
Additional Noninterest Income$567,0002,172
Total noninterest expense$3,638,0002,463
Salaries and employee benefits$1,999,0002,490
Premises and equipment expense$313,0002,888
Additional noninterest expense$1,326,0002,129
Pre-tax net operating income$1,314,0002,703
Securities gains (losses)$01,906
Applicable income taxes$46,0003,345
Income before extraordinary items$1,268,0002,429
Extraordinary gains, net$011
Net income$1,268,0002,429
Minority interest net income$071
Net income of bank and minority interests.$1,268,0002,429
Net charge-offs$5,0003,121
Cash dividends$470,0002,093
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,268,0002,406
2017-03-31 (YTD Data)Rank
Total interest income$2,322,0002,575
Total interest expense$216,0002,706
Net interest income$2,106,0002,535
Provision for loan and lease losses$227,000856
Total noninterest income$524,0001,981
Gross Fiduciary activities income$63,000702
Service charges on deposit accounts$177,0001,551
Trading account gains and feesNANA
Additional Noninterest Income$284,0002,170
Total noninterest expense$1,879,0002,413
Salaries and employee benefits$1,067,0002,409
Premises and equipment expense$154,0002,946
Additional noninterest expense$658,0002,148
Pre-tax net operating income$524,0003,007
Securities gains (losses)$01,153
Applicable income taxes$12,0003,531
Income before extraordinary items$512,0002,713
Extraordinary gains, net$08
Net income$512,0002,713
Minority interest net income$055
Net income of bank and minority interests.$512,0002,713
Net charge-offs$5,0002,440
Cash dividends$470,0001,284
Sale, conversion, retirement of capital stock, net$0632
Net operating income$512,0002,694
2016-12-31 (YTD Data)Rank
Total interest income$8,619,0002,704
Total interest expense$655,0003,161
Net interest income$7,964,0002,636
Provision for loan and lease losses$616,0001,279
Total noninterest income$2,011,0002,109
Gross Fiduciary activities income$238,000715
Service charges on deposit accounts$771,0001,482
Trading account gains and fees$0170
Additional Noninterest Income$1,002,0002,401
Total noninterest expense$6,774,0002,625
Salaries and employee benefits$3,690,0002,646
Premises and equipment expense$558,0003,158
Additional noninterest expense$2,526,0002,295
Pre-tax net operating income$2,585,0002,624
Securities gains (losses)$03,212
Applicable income taxes$85,0003,391
Income before extraordinary items$2,500,0002,408
Extraordinary gains, net$05
Net income$2,500,0002,407
Minority interest net income$082
Net income of bank and minority interests.$2,500,0002,408
Net charge-offs$635,000927
Cash dividends$1,707,0001,578
Sale, conversion, retirement of capital stock, net$0759
Net operating income$2,500,0002,356
2016-09-30 (YTD Data)Rank
Total interest income$6,358,0002,742
Total interest expense$464,0003,275
Net interest income$5,894,0002,662
Provision for loan and lease losses$458,0001,208
Total noninterest income$1,497,0002,126
Gross Fiduciary activities income$177,000709
Service charges on deposit accounts$575,0001,486
Trading account gains and fees$0169
Additional Noninterest Income$745,0002,411
Total noninterest expense$5,092,0002,601
Salaries and employee benefits$2,783,0002,630
Premises and equipment expense$434,0003,095
Additional noninterest expense$1,875,0002,306
Pre-tax net operating income$1,841,0002,760
Securities gains (losses)$03,160
Applicable income taxes$63,0003,464
Income before extraordinary items$1,778,0002,528
Extraordinary gains, net$05
Net income$1,778,0002,529
Minority interest net income$071
Net income of bank and minority interests.$1,778,0002,529
Net charge-offs$12,0003,364
Cash dividends$1,415,0001,334
Sale, conversion, retirement of capital stock, net$0719
Net operating income$1,778,0002,478
2016-06-30 (YTD Data)Rank
Total interest income$4,162,0002,792
Total interest expense$297,0003,377
Net interest income$3,865,0002,701
Provision for loan and lease losses$307,0001,212
Total noninterest income$966,0002,155
Gross Fiduciary activities income$113,000723
Service charges on deposit accounts$361,0001,557
Trading account gains and fees$0157
Additional Noninterest Income$492,0002,391
Total noninterest expense$3,334,0002,650
Salaries and employee benefits$1,802,0002,718
Premises and equipment expense$274,0003,230
Additional noninterest expense$1,258,0002,309
Pre-tax net operating income$1,190,0002,771
Securities gains (losses)$02,835
Applicable income taxes$42,0003,481
Income before extraordinary items$1,148,0002,558
Extraordinary gains, net$016
Net income$1,148,0002,557
Minority interest net income$071
Net income of bank and minority interests.$1,148,0002,557
Net charge-offs$-4,0004,670
Cash dividends$1,415,0001,011
Sale, conversion, retirement of capital stock, net$0705
Net operating income$1,148,0002,489
2016-03-31 (YTD Data)Rank
Total interest income$2,058,0002,807
Total interest expense$142,0003,482
Net interest income$1,916,0002,712
Provision for loan and lease losses$153,0001,130
Total noninterest income$458,0002,184
Gross Fiduciary activities income$54,000727
Service charges on deposit accounts$166,0001,657
Trading account gains and fees$0142
Additional Noninterest Income$238,0002,404
Total noninterest expense$1,632,0002,700
Salaries and employee benefits$846,0002,840
Premises and equipment expense$140,0003,213
Additional noninterest expense$646,0002,240
Pre-tax net operating income$589,0002,761
Securities gains (losses)$02,077
Applicable income taxes$21,0003,459
Income before extraordinary items$568,0002,531
Extraordinary gains, net$012
Net income$568,0002,531
Minority interest net income$062
Net income of bank and minority interests.$568,0002,531
Net charge-offs$03,094
Cash dividends$865,000834
Sale, conversion, retirement of capital stock, net$0659
Net operating income$568,0002,482
2015-12-31 (YTD Data)Rank
Total interest income$8,483,0002,731
Total interest expense$634,0003,269
Net interest income$7,849,0002,644
Provision for loan and lease losses$797,000979
Total noninterest income$2,353,0001,900
Gross Fiduciary activities income$169,000772
Service charges on deposit accounts$746,0001,564
Trading account gains and fees$0159
Additional Noninterest Income$1,438,0001,914
Total noninterest expense$6,409,0002,731
Salaries and employee benefits$3,467,0002,757
Premises and equipment expense$527,0003,373
Additional noninterest expense$2,415,0002,412
Pre-tax net operating income$2,996,0002,329
Securities gains (losses)$03,216
Applicable income taxes$84,0003,413
Income before extraordinary items$2,912,0002,101
Extraordinary gains, net$023
Net income$2,912,0002,102
Minority interest net income$081
Net income of bank and minority interests.$2,912,0002,103
Net charge-offs$537,0001,108
Cash dividends$2,686,0001,079
Sale, conversion, retirement of capital stock, net$0804
Net operating income$2,912,0002,060
2015-09-30 (YTD Data)Rank
Total interest income$6,385,0002,736
Total interest expense$487,0003,259
Net interest income$5,898,0002,659
Provision for loan and lease losses$692,000799
Total noninterest income$1,882,0001,825
Gross Fiduciary activities income$125,000771
Service charges on deposit accounts$562,0001,568
Trading account gains and fees$0153
Additional Noninterest Income$1,195,0001,807
Total noninterest expense$4,730,0002,777
Salaries and employee benefits$2,545,0002,809
Premises and equipment expense$399,0003,397
Additional noninterest expense$1,786,0002,423
Pre-tax net operating income$2,358,0002,282
Securities gains (losses)$03,031
Applicable income taxes$63,0003,529
Income before extraordinary items$2,295,0002,030
Extraordinary gains, net$021
Net income$2,295,0002,031
Minority interest net income$078
Net income of bank and minority interests.$2,295,0002,032
Net charge-offs$408,000996
Cash dividends$1,923,0001,035
Sale, conversion, retirement of capital stock, net$0773
Net operating income$2,295,0001,987
2015-06-30 (YTD Data)Rank
Total interest income$4,280,0002,720
Total interest expense$328,0003,270
Net interest income$3,952,0002,633
Provision for loan and lease losses$458,000831
Total noninterest income$1,400,0001,690
Gross Fiduciary activities income$82,000783
Service charges on deposit accounts$382,0001,531
Trading account gains and fees$0157
Additional Noninterest Income$936,0001,628
Total noninterest expense$3,249,0002,735
Salaries and employee benefits$1,792,0002,711
Premises and equipment expense$254,0003,503
Additional noninterest expense$1,203,0002,418
Pre-tax net operating income$1,645,0002,192
Securities gains (losses)$02,636
Applicable income taxes$42,0003,543
Income before extraordinary items$1,603,0001,930
Extraordinary gains, net$022
Net income$1,603,0001,932
Minority interest net income$075
Net income of bank and minority interests.$1,603,0001,932
Net charge-offs$399,000773
Cash dividends$1,190,0001,084
Sale, conversion, retirement of capital stock, net$0751
Net operating income$1,603,0001,888
2015-03-31 (YTD Data)Rank
Total interest income$2,161,0002,709
Total interest expense$166,0003,272
Net interest income$1,995,0002,613
Provision for loan and lease losses$227,000814
Total noninterest income$878,0001,406
Gross Fiduciary activities income$42,000786
Service charges on deposit accounts$175,0001,629
Trading account gains and fees$0152
Additional Noninterest Income$661,0001,238
Total noninterest expense$1,707,0002,644
Salaries and employee benefits$954,0002,620
Premises and equipment expense$126,0003,553
Additional noninterest expense$627,0002,318
Pre-tax net operating income$939,0001,962
Securities gains (losses)$02,027
Applicable income taxes$21,0003,502
Income before extraordinary items$918,0001,726
Extraordinary gains, net$013
Net income$918,0001,728
Minority interest net income$064
Net income of bank and minority interests.$918,0001,728
Net charge-offs$68,0001,349
Cash dividends$590,0001,000
Sale, conversion, retirement of capital stock, net$0697
Net operating income$918,0001,663
2014-12-31 (YTD Data)Rank
Total interest income$8,428,0002,773
Total interest expense$760,0003,143
Net interest income$7,668,0002,724
Provision for loan and lease losses$53,0003,733
Total noninterest income$1,815,0002,258
Gross Fiduciary activities income$162,000800
Service charges on deposit accounts$756,0001,648
Trading account gains and fees$0180
Additional Noninterest Income$897,0002,479
Total noninterest expense$6,127,0002,871
Salaries and employee benefits$3,376,0002,833
Premises and equipment expense$532,0003,492
Additional noninterest expense$2,219,0002,651
Pre-tax net operating income$3,303,0002,117
Securities gains (losses)$03,259
Applicable income taxes$85,0003,480
Income before extraordinary items$3,218,0001,903
Extraordinary gains, net$017
Net income$3,218,0001,902
Minority interest net income$084
Net income of bank and minority interests.$3,218,0001,901
Net charge-offs$500,0001,460
Cash dividends$3,202,000860
Sale, conversion, retirement of capital stock, net$0862
Net operating income$3,218,0001,869
2014-09-30 (YTD Data)Rank
Total interest income$6,344,0002,792
Total interest expense$585,0003,153
Net interest income$5,759,0002,729
Provision for loan and lease losses$1,0004,384
Total noninterest income$1,384,0002,235
Gross Fiduciary activities income$123,000792
Service charges on deposit accounts$563,0001,665
Trading account gains and fees$0174
Additional Noninterest Income$698,0002,438
Total noninterest expense$4,404,0002,970
Salaries and employee benefits$2,374,0002,988
Premises and equipment expense$403,0003,519
Additional noninterest expense$1,627,0002,715
Pre-tax net operating income$2,738,0001,997
Securities gains (losses)$02,980
Applicable income taxes$64,0003,544
Income before extraordinary items$2,674,0001,742
Extraordinary gains, net$015
Net income$2,674,0001,743
Minority interest net income$081
Net income of bank and minority interests.$2,674,0001,742
Net charge-offs$26,0003,704
Cash dividends$2,012,000927
Sale, conversion, retirement of capital stock, net$0819
Net operating income$2,674,0001,713
2014-06-30 (YTD Data)Rank
Total interest income$4,262,0002,779
Total interest expense$397,0003,148
Net interest income$3,865,0002,711
Provision for loan and lease losses$1,0004,178
Total noninterest income$926,0002,184
Gross Fiduciary activities income$82,000802
Service charges on deposit accounts$366,0001,685
Trading account gains and fees$0172
Additional Noninterest Income$478,0002,361
Total noninterest expense$2,996,0002,943
Salaries and employee benefits$1,625,0002,947
Premises and equipment expense$271,0003,518
Additional noninterest expense$1,100,0002,672
Pre-tax net operating income$1,794,0001,985
Securities gains (losses)$02,580
Applicable income taxes$43,0003,517
Income before extraordinary items$1,751,0001,717
Extraordinary gains, net$020
Net income$1,751,0001,720
Minority interest net income$080
Net income of bank and minority interests.$1,751,0001,719
Net charge-offs$32,0003,126
Cash dividends$1,232,000987
Sale, conversion, retirement of capital stock, net$0794
Net operating income$1,751,0001,684
2014-03-31 (YTD Data)Rank
Total interest income$2,121,0002,790
Total interest expense$201,0003,163
Net interest income$1,920,0002,717
Provision for loan and lease losses$03,817
Total noninterest income$492,0002,067
Gross Fiduciary activities income$44,000800
Service charges on deposit accounts$190,0001,619
Trading account gains and fees$0147
Additional Noninterest Income$258,0002,215
Total noninterest expense$1,490,0002,979
Salaries and employee benefits$776,0003,059
Premises and equipment expense$136,0003,559
Additional noninterest expense$578,0002,569
Pre-tax net operating income$922,0001,882
Securities gains (losses)$01,715
Applicable income taxes$22,0003,447
Income before extraordinary items$900,0001,627
Extraordinary gains, net$016
Net income$900,0001,630
Minority interest net income$066
Net income of bank and minority interests.$900,0001,630
Net charge-offs$03,660
Cash dividends$686,000822
Sale, conversion, retirement of capital stock, net$0747
Net operating income$900,0001,595
2013-12-31 (YTD Data)Rank
Total interest income$8,467,0002,816
Total interest expense$1,007,0002,925
Net interest income$7,460,0002,779
Provision for loan and lease losses$2,0005,057
Total noninterest income$952,0003,288
Gross Fiduciary activities income$161,000811
Service charges on deposit accounts$839,0001,587
Trading account gains and fees$0184
Additional Noninterest Income$-48,0006,570
Total noninterest expense$5,738,0003,082
Salaries and employee benefits$3,010,0003,104
Premises and equipment expense$523,0003,636
Additional noninterest expense$2,205,0002,774
Pre-tax net operating income$2,672,0002,353
Securities gains (losses)$03,182
Applicable income taxes$88,0003,485
Income before extraordinary items$2,584,0002,144
Extraordinary gains, net$029
Net income$2,584,0002,148
Minority interest net income$090
Net income of bank and minority interests.$2,584,0002,148
Net charge-offs$149,0003,337
Cash dividends$3,005,000857
Sale, conversion, retirement of capital stock, net$0924
Net operating income$2,584,0002,090
2013-09-30 (YTD Data)Rank
Total interest income$6,271,0002,860
Total interest expense$792,0002,903
Net interest income$5,479,0002,827
Provision for loan and lease losses$2,0004,897
Total noninterest income$616,0003,630
Gross Fiduciary activities income$118,000808
Service charges on deposit accounts$617,0001,615
Trading account gains and fees$0180
Additional Noninterest Income$-119,0006,746
Total noninterest expense$4,242,0003,109
Salaries and employee benefits$2,173,0003,202
Premises and equipment expense$396,0003,644
Additional noninterest expense$1,673,0002,732
Pre-tax net operating income$1,851,0002,565
Securities gains (losses)$03,040
Applicable income taxes$65,0003,573
Income before extraordinary items$1,786,0002,325
Extraordinary gains, net$025
Net income$1,786,0002,330
Minority interest net income$084
Net income of bank and minority interests.$1,786,0002,330
Net charge-offs$107,0003,191
Cash dividends$2,134,000836
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,786,0002,263
2013-06-30 (YTD Data)Rank
Total interest income$4,129,0002,888
Total interest expense$554,0002,869
Net interest income$3,575,0002,871
Provision for loan and lease losses$1,0004,755
Total noninterest income$648,0002,901
Gross Fiduciary activities income$80,000815
Service charges on deposit accounts$393,0001,641
Trading account gains and fees$0157
Additional Noninterest Income$175,0003,993
Total noninterest expense$2,896,0003,078
Salaries and employee benefits$1,474,0003,184
Premises and equipment expense$269,0003,604
Additional noninterest expense$1,153,0002,629
Pre-tax net operating income$1,326,0002,415
Securities gains (losses)$02,791
Applicable income taxes$44,0003,565
Income before extraordinary items$1,282,0002,186
Extraordinary gains, net$022
Net income$1,282,0002,194
Minority interest net income$082
Net income of bank and minority interests.$1,282,0002,192
Net charge-offs$103,0002,731
Cash dividends$1,550,000772
Sale, conversion, retirement of capital stock, net$0838
Net operating income$1,282,0002,096
2013-03-31 (YTD Data)Rank
Total interest income$2,049,0002,926
Total interest expense$290,0002,857
Net interest income$1,759,0002,914
Provision for loan and lease losses$1,0004,363
Total noninterest income$378,0002,632
Gross Fiduciary activities income$39,000824
Service charges on deposit accounts$192,0001,664
Trading account gains and fees$0148
Additional Noninterest Income$147,0003,201
Total noninterest expense$1,433,0003,124
Salaries and employee benefits$695,0003,339
Premises and equipment expense$132,0003,682
Additional noninterest expense$606,0002,520
Pre-tax net operating income$703,0002,264
Securities gains (losses)$01,966
Applicable income taxes$22,0003,542
Income before extraordinary items$681,0002,039
Extraordinary gains, net$010
Net income$681,0002,040
Minority interest net income$076
Net income of bank and minority interests.$681,0002,041
Net charge-offs$2,0003,902
Cash dividends$1,550,000375
Sale, conversion, retirement of capital stock, net$0789
Net operating income$681,0001,959
2012-12-31 (YTD Data)Rank
Total interest income$8,713,0002,896
Total interest expense$1,534,0002,659
Net interest income$7,179,0002,921
Provision for loan and lease losses$1,0005,896
Total noninterest income$1,529,0002,587
Gross Fiduciary activities income$151,000828
Service charges on deposit accounts$763,0001,757
Trading account gains and fees$0166
Additional Noninterest Income$615,0003,066
Total noninterest expense$6,113,0002,987
Salaries and employee benefits$2,939,0003,173
Premises and equipment expense$540,0003,634
Additional noninterest expense$2,634,0002,453
Pre-tax net operating income$2,594,0002,344
Securities gains (losses)$03,810
Applicable income taxes$88,0003,599
Income before extraordinary items$2,506,0002,173
Extraordinary gains, net$029
Net income$2,506,0002,172
Minority interest net income$093
Net income of bank and minority interests.$2,506,0002,174
Net charge-offs$96,0004,461
Cash dividends$2,417,0001,038
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$2,506,0002,044
2012-09-30 (YTD Data)Rank
Total interest income$6,482,0002,971
Total interest expense$1,225,0002,641
Net interest income$5,257,0003,027
Provision for loan and lease losses$301,0002,958
Total noninterest income$1,110,0002,636
Gross Fiduciary activities income$116,000820
Service charges on deposit accounts$570,0001,788
Trading account gains and fees$0157
Additional Noninterest Income$424,0003,188
Total noninterest expense$4,535,0003,025
Salaries and employee benefits$2,152,0003,251
Premises and equipment expense$414,0003,639
Additional noninterest expense$1,969,0002,453
Pre-tax net operating income$1,531,0002,842
Securities gains (losses)$03,575
Applicable income taxes$65,0003,648
Income before extraordinary items$1,466,0002,681
Extraordinary gains, net$020
Net income$1,466,0002,683
Minority interest net income$086
Net income of bank and minority interests.$1,466,0002,682
Net charge-offs$428,0002,376
Cash dividends$1,553,000965
Sale, conversion, retirement of capital stock, net$0952
Net operating income$1,466,0002,555
2012-06-30 (YTD Data)Rank
Total interest income$4,302,0003,007
Total interest expense$871,0002,603
Net interest income$3,431,0003,096
Provision for loan and lease losses$301,0002,384
Total noninterest income$914,0002,298
Gross Fiduciary activities income$69,000845
Service charges on deposit accounts$372,0001,821
Trading account gains and fees$0153
Additional Noninterest Income$473,0002,404
Total noninterest expense$3,052,0003,016
Salaries and employee benefits$1,475,0003,186
Premises and equipment expense$277,0003,625
Additional noninterest expense$1,300,0002,488
Pre-tax net operating income$992,0002,860
Securities gains (losses)$03,178
Applicable income taxes$44,0003,618
Income before extraordinary items$948,0002,707
Extraordinary gains, net$019
Net income$948,0002,707
Minority interest net income$084
Net income of bank and minority interests.$948,0002,707
Net charge-offs$374,0002,074
Cash dividends$567,0001,481
Sale, conversion, retirement of capital stock, net$0928
Net operating income$948,0002,580
2012-03-31 (YTD Data)Rank
Total interest income$2,166,0003,021
Total interest expense$467,0002,535
Net interest income$1,699,0003,129
Provision for loan and lease losses$226,0001,838
Total noninterest income$485,0002,190
Gross Fiduciary activities income$33,000857
Service charges on deposit accounts$196,0001,725
Trading account gains and fees$0148
Additional Noninterest Income$256,0002,315
Total noninterest expense$1,480,0003,090
Salaries and employee benefits$695,0003,361
Premises and equipment expense$134,0003,731
Additional noninterest expense$651,0002,454
Pre-tax net operating income$478,0002,961
Securities gains (losses)$02,210
Applicable income taxes$23,0003,599
Income before extraordinary items$455,0002,809
Extraordinary gains, net$019
Net income$455,0002,811
Minority interest net income$078
Net income of bank and minority interests.$455,0002,812
Net charge-offs$2,0004,518
Cash dividends$567,000788
Sale, conversion, retirement of capital stock, net$0861
Net operating income$455,0002,664
2011-12-31 (YTD Data)Rank
Total interest income$9,384,0002,932
Total interest expense$2,225,0002,546
Net interest income$7,159,0003,014
Provision for loan and lease losses$1,058,0002,337
Total noninterest income$1,886,0002,102
Gross Fiduciary activities income$135,000804
Service charges on deposit accounts$841,0001,720
Trading account gains and fees$0146
Additional Noninterest Income$910,0002,271
Total noninterest expense$5,639,0003,209
Salaries and employee benefits$2,772,0003,301
Premises and equipment expense$528,0003,889
Additional noninterest expense$2,339,0002,731
Pre-tax net operating income$2,348,0002,220
Securities gains (losses)$03,838
Applicable income taxes$14,0004,225
Income before extraordinary items$2,334,0001,979
Extraordinary gains, net$029
Net income$2,334,0001,980
Minority interest net income$096
Net income of bank and minority interests.$2,334,0001,980
Net charge-offs$468,0003,265
Cash dividends$567,0002,279
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$2,334,0001,897
2011-09-30 (YTD Data)Rank
Total interest income$7,133,0002,914
Total interest expense$1,723,0002,574
Net interest income$5,410,0003,004
Provision for loan and lease losses$907,0002,073
Total noninterest income$1,475,0002,030
Gross Fiduciary activities income$103,000793
Service charges on deposit accounts$639,0001,703
Trading account gains and fees$0145
Additional Noninterest Income$733,0002,161
Total noninterest expense$4,287,0003,193
Salaries and employee benefits$2,029,0003,354
Premises and equipment expense$398,0003,927
Additional noninterest expense$1,860,0002,613
Pre-tax net operating income$1,691,0002,365
Securities gains (losses)$03,555
Applicable income taxes$-8,0006,772
Income before extraordinary items$1,699,0002,095
Extraordinary gains, net$021
Net income$1,699,0002,095
Minority interest net income$087
Net income of bank and minority interests.$1,699,0002,096
Net charge-offs$281,0003,322
Cash dividends$03,617
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$1,699,0001,998
2011-06-30 (YTD Data)Rank
Total interest income$4,788,0002,919
Total interest expense$1,171,0002,614
Net interest income$3,617,0002,991
Provision for loan and lease losses$681,0001,929
Total noninterest income$944,0002,077
Gross Fiduciary activities income$68,000800
Service charges on deposit accounts$412,0001,727
Trading account gains and fees$0153
Additional Noninterest Income$464,0002,210
Total noninterest expense$2,876,0003,202
Salaries and employee benefits$1,316,0003,448
Premises and equipment expense$268,0003,933
Additional noninterest expense$1,292,0002,568
Pre-tax net operating income$1,004,0002,527
Securities gains (losses)$02,914
Applicable income taxes$-29,0006,969
Income before extraordinary items$1,033,0002,214
Extraordinary gains, net$015
Net income$1,033,0002,214
Minority interest net income$089
Net income of bank and minority interests.$1,033,0002,214
Net charge-offs$281,0002,764
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$1,033,0002,141
2011-03-31 (YTD Data)Rank
Total interest income$2,502,0002,824
Total interest expense$585,0002,688
Net interest income$1,917,0002,825
Provision for loan and lease losses$456,0001,501
Total noninterest income$480,0002,055
Gross Fiduciary activities income$32,000825
Service charges on deposit accounts$211,0001,670
Trading account gains and fees$0158
Additional Noninterest Income$237,0002,229
Total noninterest expense$1,524,0003,069
Salaries and employee benefits$676,0003,408
Premises and equipment expense$136,0003,958
Additional noninterest expense$712,0002,330
Pre-tax net operating income$417,0002,886
Securities gains (losses)$01,772
Applicable income taxes$-49,0007,191
Income before extraordinary items$466,0002,382
Extraordinary gains, net$09
Net income$466,0002,381
Minority interest net income$086
Net income of bank and minority interests.$466,0002,382
Net charge-offs$66,0003,125
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$466,0002,338
2010-12-31 (YTD Data)Rank
Total interest income$10,385,0002,858
Total interest expense$2,866,0002,698
Net interest income$7,519,0002,890
Provision for loan and lease losses$3,703,0001,405
Total noninterest income$2,267,0001,900
Gross Fiduciary activities income$136,000820
Service charges on deposit accounts$987,0001,520
Trading account gains and fees$0175
Additional Noninterest Income$1,144,0002,017
Total noninterest expense$5,717,0003,230
Salaries and employee benefits$2,736,0003,356
Premises and equipment expense$494,0004,217
Additional noninterest expense$2,487,0002,697
Pre-tax net operating income$366,0004,715
Securities gains (losses)$03,793
Applicable income taxes$83,0003,365
Income before extraordinary items$283,0004,999
Extraordinary gains, net$029
Net income$283,0005,002
Minority interest net income$0111
Net income of bank and minority interests.$283,0005,002
Net charge-offs$3,789,0001,261
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$283,0004,857
2010-09-30 (YTD Data)Rank
Total interest income$7,801,0002,910
Total interest expense$2,245,0002,709
Net interest income$5,556,0002,969
Provision for loan and lease losses$1,196,0002,279
Total noninterest income$1,706,0001,909
Gross Fiduciary activities income$104,000809
Service charges on deposit accounts$757,0001,545
Trading account gains and fees$0165
Additional Noninterest Income$845,0002,008
Total noninterest expense$4,221,0003,282
Salaries and employee benefits$2,009,0003,423
Premises and equipment expense$378,0004,223
Additional noninterest expense$1,834,0002,687
Pre-tax net operating income$1,845,0002,023
Securities gains (losses)$03,651
Applicable income taxes$63,0003,431
Income before extraordinary items$1,782,0001,848
Extraordinary gains, net$023
Net income$1,782,0001,849
Minority interest net income$0110
Net income of bank and minority interests.$1,782,0001,850
Net charge-offs$1,272,0001,938
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$1,782,0001,754
2010-06-30 (YTD Data)Rank
Total interest income$5,186,0002,957
Total interest expense$1,551,0002,709
Net interest income$3,635,0003,024
Provision for loan and lease losses$746,0002,296
Total noninterest income$1,161,0001,816
Gross Fiduciary activities income$68,000819
Service charges on deposit accounts$518,0001,519
Trading account gains and fees$0152
Additional Noninterest Income$575,0001,915
Total noninterest expense$2,714,0003,369
Salaries and employee benefits$1,308,0003,515
Premises and equipment expense$247,0004,299
Additional noninterest expense$1,159,0002,793
Pre-tax net operating income$1,336,0001,881
Securities gains (losses)$03,184
Applicable income taxes$43,0003,388
Income before extraordinary items$1,293,0001,684
Extraordinary gains, net$019
Net income$1,293,0001,683
Minority interest net income$0105
Net income of bank and minority interests.$1,293,0001,684
Net charge-offs$589,0002,258
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,293,0001,612
2010-03-31 (YTD Data)Rank
Total interest income$2,569,0003,034
Total interest expense$803,0002,754
Net interest income$1,766,0003,107
Provision for loan and lease losses$150,0003,336
Total noninterest income$497,0002,040
Gross Fiduciary activities income$35,000829
Service charges on deposit accounts$252,0001,551
Trading account gains and fees$0175
Additional Noninterest Income$210,0002,321
Total noninterest expense$1,350,0003,432
Salaries and employee benefits$652,0003,577
Premises and equipment expense$132,0004,226
Additional noninterest expense$566,0002,854
Pre-tax net operating income$763,0001,693
Securities gains (losses)$02,284
Applicable income taxes$22,0003,391
Income before extraordinary items$741,0001,479
Extraordinary gains, net$016
Net income$741,0001,481
Minority interest net income$091
Net income of bank and minority interests.$741,0001,481
Net charge-offs$8,0004,945
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$741,0001,425
2009-12-31 (YTD Data)Rank
Total interest income$10,972,0002,978
Total interest expense$3,595,0002,980
Net interest income$7,377,0002,926
Provision for loan and lease losses$1,420,0002,968
Total noninterest income$2,247,0001,962
Gross Fiduciary activities income$113,000855
Service charges on deposit accounts$1,149,0001,487
Trading account gains and fees$0211
Additional Noninterest Income$985,0002,156
Total noninterest expense$5,471,0003,423
Salaries and employee benefits$2,696,0003,483
Premises and equipment expense$501,0004,370
Additional noninterest expense$2,274,0002,987
Pre-tax net operating income$2,733,0001,461
Securities gains (losses)$03,754
Applicable income taxes$82,0002,992
Income before extraordinary items$2,651,0001,259
Extraordinary gains, net$034
Net income$2,651,0001,259
Minority interest net income$0115
Net income of bank and minority interests.$2,651,0001,258
Net charge-offs$1,051,0002,801
Cash dividends$1,636,0001,103
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$2,651,0001,247
2009-09-30 (YTD Data)Rank
Total interest income$8,183,0003,046
Total interest expense$2,730,0003,072
Net interest income$5,453,0002,958
Provision for loan and lease losses$825,0003,064
Total noninterest income$1,688,0002,003
Gross Fiduciary activities income$80,000849
Service charges on deposit accounts$873,0001,474
Trading account gains and fees$0212
Additional Noninterest Income$735,0002,231
Total noninterest expense$4,097,0003,435
Salaries and employee benefits$1,978,0003,575
Premises and equipment expense$373,0004,431
Additional noninterest expense$1,746,0002,892
Pre-tax net operating income$2,219,0001,467
Securities gains (losses)$03,497
Applicable income taxes$59,0003,234
Income before extraordinary items$2,160,0001,242
Extraordinary gains, net$027
Net income$2,160,0001,240
Minority interest net income$0118
Net income of bank and minority interests.$2,160,0001,242
Net charge-offs$271,0003,865
Cash dividends$1,636,000786
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$2,160,0001,222
2009-06-30 (YTD Data)Rank
Total interest income$5,406,0003,104
Total interest expense$1,819,0003,195
Net interest income$3,587,0002,981
Provision for loan and lease losses$440,0003,134
Total noninterest income$1,123,0002,007
Gross Fiduciary activities income$53,000855
Service charges on deposit accounts$587,0001,446
Trading account gains and fees$0193
Additional Noninterest Income$483,0002,272
Total noninterest expense$2,712,0003,486
Salaries and employee benefits$1,265,0003,736
Premises and equipment expense$246,0004,501
Additional noninterest expense$1,201,0002,827
Pre-tax net operating income$1,558,0001,473
Securities gains (losses)$03,136
Applicable income taxes$39,0003,325
Income before extraordinary items$1,519,0001,240
Extraordinary gains, net$021
Net income$1,519,0001,238
Minority interest net income$0112
Net income of bank and minority interests.$1,519,0001,239
Net charge-offs$254,0003,140
Cash dividends$1,480,000616
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$1,519,0001,211
2009-03-31 (YTD Data)Rank
Total interest income$2,674,0003,162
Total interest expense$928,0003,260
Net interest income$1,746,0003,048
Provision for loan and lease losses$120,0003,591
Total noninterest income$534,0002,029
Gross Fiduciary activities income$22,000897
Service charges on deposit accounts$287,0001,432
Trading account gains and fees$0171
Additional Noninterest Income$225,0002,352
Total noninterest expense$1,260,0003,630
Salaries and employee benefits$637,0003,748
Premises and equipment expense$129,0004,416
Additional noninterest expense$494,0003,034
Pre-tax net operating income$900,0001,433
Securities gains (losses)$02,434
Applicable income taxes$19,0003,607
Income before extraordinary items$881,0001,244
Extraordinary gains, net$015
Net income$881,0001,245
Minority interest net income$0102
Net income of bank and minority interests.$881,0001,246
Net charge-offs$80,0003,104
Cash dividends$984,000472
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$881,0001,172
2008-12-31 (YTD Data)Rank
Total interest income$11,507,0003,145
Total interest expense$4,354,0003,296
Net interest income$7,153,0002,989
Provision for loan and lease losses$420,0004,065
Total noninterest income$2,180,0002,008
Gross Fiduciary activities income$131,000847
Service charges on deposit accounts$1,225,0001,462
Trading account gains and fees$0154
Additional Noninterest Income$824,0002,422
Total noninterest expense$5,216,0003,443
Salaries and employee benefits$2,851,0003,397
Premises and equipment expense$539,0004,261
Additional noninterest expense$1,826,0003,106
Pre-tax net operating income$3,697,0001,475
Securities gains (losses)$03,220
Applicable income taxes$65,0003,696
Income before extraordinary items$3,632,0001,141
Extraordinary gains, net$039
Net income$3,632,0001,141
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$277,0003,646
Cash dividends$3,727,000749
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$3,632,0001,213
2008-09-30 (YTD Data)Rank
Total interest income$8,624,0003,213
Total interest expense$3,363,0003,332
Net interest income$5,261,0003,071
Provision for loan and lease losses$270,0003,724
Total noninterest income$1,675,0002,044
Gross Fiduciary activities income$99,000848
Service charges on deposit accounts$922,0001,466
Trading account gains and fees$0148
Additional Noninterest Income$654,0002,415
Total noninterest expense$3,787,0003,517
Salaries and employee benefits$2,023,0003,586
Premises and equipment expense$406,0004,270
Additional noninterest expense$1,358,0003,017
Pre-tax net operating income$2,879,0001,691
Securities gains (losses)$03,106
Applicable income taxes$48,0004,123
Income before extraordinary items$2,831,0001,312
Extraordinary gains, net$031
Net income$2,831,0001,311
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0004,764
Cash dividends$2,765,000769
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$2,831,0001,381
2008-06-30 (YTD Data)Rank
Total interest income$5,728,0003,270
Total interest expense$2,303,0003,388
Net interest income$3,425,0003,125
Provision for loan and lease losses$180,0003,306
Total noninterest income$1,054,0002,154
Gross Fiduciary activities income$68,000862
Service charges on deposit accounts$557,0001,581
Trading account gains and fees$0149
Additional Noninterest Income$429,0002,471
Total noninterest expense$2,494,0003,575
Salaries and employee benefits$1,342,0003,631
Premises and equipment expense$271,0004,290
Additional noninterest expense$881,0003,073
Pre-tax net operating income$1,805,0001,846
Securities gains (losses)$03,233
Applicable income taxes$31,0004,398
Income before extraordinary items$1,774,0001,544
Extraordinary gains, net$021
Net income$1,774,0001,544
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0003,962
Cash dividends$1,993,000818
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$1,774,0001,510
2008-03-31 (YTD Data)Rank
Total interest income$2,882,0003,337
Total interest expense$1,194,0003,466
Net interest income$1,688,0003,173
Provision for loan and lease losses$90,0002,858
Total noninterest income$515,0002,197
Gross Fiduciary activities income$34,000874
Service charges on deposit accounts$278,0001,574
Trading account gains and fees$0158
Additional Noninterest Income$203,0002,553
Total noninterest expense$1,311,0003,449
Salaries and employee benefits$744,0003,377
Premises and equipment expense$137,0004,265
Additional noninterest expense$430,0003,093
Pre-tax net operating income$802,0002,156
Securities gains (losses)$02,688
Applicable income taxes$16,0004,511
Income before extraordinary items$786,0001,843
Extraordinary gains, net$015
Net income$786,0001,845
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0002,625
Cash dividends$965,000797
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$786,0001,776
2007-12-31 (YTD Data)Rank
Total interest income$11,984,0003,287
Total interest expense$5,401,0003,273
Net interest income$6,583,0003,260
Provision for loan and lease losses$330,0003,017
Total noninterest income$1,902,0002,296
Gross Fiduciary activities income$122,000890
Service charges on deposit accounts$1,010,0001,750
Trading account gains and fees$0178
Additional Noninterest Income$770,0002,610
Total noninterest expense$4,929,0003,468
Salaries and employee benefits$2,743,0003,465
Premises and equipment expense$543,0004,124
Additional noninterest expense$1,643,0003,168
Pre-tax net operating income$3,226,0002,333
Securities gains (losses)$02,146
Applicable income taxes$711,0002,278
Income before extraordinary items$2,515,0002,344
Extraordinary gains, net$039
Net income$2,515,0002,343
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$344,0002,116
Cash dividends$1,657,0001,861
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$2,515,0002,335
2007-09-30 (YTD Data)Rank
Total interest income$8,935,0003,304
Total interest expense$4,077,0003,241
Net interest income$4,858,0003,308
Provision for loan and lease losses$270,0002,452
Total noninterest income$1,434,0002,284
Gross Fiduciary activities income$89,000892
Service charges on deposit accounts$734,0001,773
Trading account gains and fees$0184
Additional Noninterest Income$611,0002,536
Total noninterest expense$3,777,0003,402
Salaries and employee benefits$2,083,0003,414
Premises and equipment expense$418,0004,032
Additional noninterest expense$1,276,0003,024
Pre-tax net operating income$2,245,0002,630
Securities gains (losses)$01,655
Applicable income taxes$696,0002,096
Income before extraordinary items$1,549,0002,907
Extraordinary gains, net$033
Net income$1,549,0002,906
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0005,266
Cash dividends$1,339,0001,644
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$1,549,0002,891
2007-06-30 (YTD Data)Rank
Total interest income$5,822,0003,384
Total interest expense$2,645,0003,298
Net interest income$3,177,0003,388
Provision for loan and lease losses$180,0002,301
Total noninterest income$907,0002,377
Gross Fiduciary activities income$56,000910
Service charges on deposit accounts$463,0001,880
Trading account gains and fees$0168
Additional Noninterest Income$388,0002,619
Total noninterest expense$2,505,0003,433
Salaries and employee benefits$1,368,0003,488
Premises and equipment expense$280,0004,044
Additional noninterest expense$857,0003,006
Pre-tax net operating income$1,399,0002,802
Securities gains (losses)$01,444
Applicable income taxes$681,0001,700
Income before extraordinary items$718,0003,758
Extraordinary gains, net$029
Net income$718,0003,758
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0004,902
Cash dividends$759,0001,866
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$718,0003,743
2007-03-31 (YTD Data)Rank
Total interest income$2,851,0003,418
Total interest expense$1,287,0003,351
Net interest income$1,564,0003,430
Provision for loan and lease losses$90,0002,153
Total noninterest income$411,0002,512
Gross Fiduciary activities income$25,000937
Service charges on deposit accounts$215,0001,942
Trading account gains and fees$0195
Additional Noninterest Income$171,0002,786
Total noninterest expense$1,295,0003,361
Salaries and employee benefits$728,0003,346
Premises and equipment expense$137,0004,125
Additional noninterest expense$430,0002,979
Pre-tax net operating income$590,0003,163
Securities gains (losses)$01,187
Applicable income taxes$789,000879
Income before extraordinary items$-199,0008,327
Extraordinary gains, net$022
Net income$-199,0008,325
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-27,0008,237
Cash dividends$259,0002,144
Sale, conversion, retirement of capital stock, net$0885
Net operating income$-199,0008,315
2006-12-31 (YTD Data)Rank
Total interest income$10,922,0003,338
Total interest expense$4,622,0003,234
Net interest income$6,300,0003,400
Provision for loan and lease losses$300,0002,748
Total noninterest income$1,680,0002,496
Gross Fiduciary activities income$96,000938
Service charges on deposit accounts$881,0001,953
Trading account gains and fees$0130
Additional Noninterest Income$703,0002,759
Total noninterest expense$4,804,0003,459
Salaries and employee benefits$2,543,0003,571
Premises and equipment expense$532,0004,102
Additional noninterest expense$1,729,0002,925
Pre-tax net operating income$2,876,0002,857
Securities gains (losses)$01,687
Applicable income taxes$695,0002,680
Income before extraordinary items$2,181,0002,913
Extraordinary gains, net$051
Net income$2,181,0002,913
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$483,0001,202
Cash dividends$1,024,0002,505
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$2,181,0002,901
2006-09-30 (YTD Data)Rank
Total interest income$8,044,0003,363
Total interest expense$3,333,0003,232
Net interest income$4,711,0003,426
Provision for loan and lease losses$270,0002,327
Total noninterest income$1,325,0002,434
Gross Fiduciary activities income$72,000927
Service charges on deposit accounts$749,0001,756
Trading account gains and fees$0126
Additional Noninterest Income$504,0002,837
Total noninterest expense$3,627,0003,427
Salaries and employee benefits$1,918,0003,552
Premises and equipment expense$403,0004,091
Additional noninterest expense$1,306,0002,886
Pre-tax net operating income$2,139,0002,980
Securities gains (losses)$01,388
Applicable income taxes$510,0002,846
Income before extraordinary items$1,629,0003,015
Extraordinary gains, net$045
Net income$1,629,0003,016
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$433,000905
Cash dividends$1,024,0001,890
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$1,629,0003,006
2006-06-30 (YTD Data)Rank
Total interest income$5,210,0003,393
Total interest expense$2,156,0003,198
Net interest income$3,054,0003,503
Provision for loan and lease losses$180,0002,262
Total noninterest income$887,0002,423
Gross Fiduciary activities income$48,000952
Service charges on deposit accounts$513,0001,702
Trading account gains and fees$0126
Additional Noninterest Income$326,0002,863
Total noninterest expense$2,413,0003,444
Salaries and employee benefits$1,245,0003,628
Premises and equipment expense$281,0003,972
Additional noninterest expense$887,0002,857
Pre-tax net operating income$1,348,0003,100
Securities gains (losses)$01,185
Applicable income taxes$302,0003,035
Income before extraordinary items$1,046,0003,113
Extraordinary gains, net$039
Net income$1,046,0003,115
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$405,000667
Cash dividends$368,0002,838
Sale, conversion, retirement of capital stock, net$0887
Net operating income$1,046,0003,099
2006-03-31 (YTD Data)Rank
Total interest income$2,558,0003,377
Total interest expense$1,063,0003,107
Net interest income$1,495,0003,545
Provision for loan and lease losses$90,0002,132
Total noninterest income$422,0002,466
Gross Fiduciary activities income$24,000958
Service charges on deposit accounts$254,0001,660
Trading account gains and fees$0115
Additional Noninterest Income$144,0003,050
Total noninterest expense$1,240,0003,375
Salaries and employee benefits$671,0003,453
Premises and equipment expense$139,0004,008
Additional noninterest expense$430,0002,924
Pre-tax net operating income$587,0003,361
Securities gains (losses)$0955
Applicable income taxes$102,0003,569
Income before extraordinary items$485,0003,242
Extraordinary gains, net$021
Net income$485,0003,241
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,0007,838
Cash dividends$160,0002,643
Sale, conversion, retirement of capital stock, net$0648
Net operating income$485,0003,221
2005-12-31 (YTD Data)Rank
Total interest income$9,198,0003,360
Total interest expense$3,162,0003,182
Net interest income$6,036,0003,406
Provision for loan and lease losses$300,0002,799
Total noninterest income$1,599,0002,581
Gross Fiduciary activities income$90,000962
Service charges on deposit accounts$832,0002,044
Trading account gains and fees$0138
Additional Noninterest Income$677,0002,834
Total noninterest expense$4,562,0003,485
Salaries and employee benefits$2,406,0003,594
Premises and equipment expense$579,0003,758
Additional noninterest expense$1,577,0003,110
Pre-tax net operating income$2,773,0002,949
Securities gains (losses)$02,296
Applicable income taxes$663,0002,910
Income before extraordinary items$2,110,0002,958
Extraordinary gains, net$046
Net income$2,110,0002,959
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$54,0004,191
Cash dividends$1,240,0002,088
Sale, conversion, retirement of capital stock, net$0934
Net operating income$2,110,0002,927
2005-09-30 (YTD Data)Rank
Total interest income$6,734,0003,370
Total interest expense$2,199,0003,247
Net interest income$4,535,0003,388
Provision for loan and lease losses$225,0002,711
Total noninterest income$1,202,0002,577
Gross Fiduciary activities income$64,000964
Service charges on deposit accounts$630,0002,024
Trading account gains and fees$0126
Additional Noninterest Income$508,0002,855
Total noninterest expense$3,425,0003,459
Salaries and employee benefits$1,801,0003,567
Premises and equipment expense$451,0003,648
Additional noninterest expense$1,173,0003,095
Pre-tax net operating income$2,087,0002,956
Securities gains (losses)$02,317
Applicable income taxes$491,0002,982
Income before extraordinary items$1,596,0002,988
Extraordinary gains, net$035
Net income$1,596,0002,989
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,0004,007
Cash dividends$924,0001,914
Sale, conversion, retirement of capital stock, net$0769
Net operating income$1,596,0002,946
2005-06-30 (YTD Data)Rank
Total interest income$4,346,0003,394
Total interest expense$1,372,0003,276
Net interest income$2,974,0003,428
Provision for loan and lease losses$150,0002,598
Total noninterest income$788,0002,567
Gross Fiduciary activities income$42,000962
Service charges on deposit accounts$409,0002,033
Trading account gains and fees$0116
Additional Noninterest Income$337,0002,848
Total noninterest expense$2,286,0003,432
Salaries and employee benefits$1,173,0003,631
Premises and equipment expense$309,0003,533
Additional noninterest expense$804,0003,009
Pre-tax net operating income$1,326,0003,024
Securities gains (losses)$02,146
Applicable income taxes$295,0003,133
Income before extraordinary items$1,031,0003,014
Extraordinary gains, net$030
Net income$1,031,0003,014
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0003,677
Cash dividends$728,0001,706
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,031,0002,972
2005-03-31 (YTD Data)Rank
Total interest income$2,118,0003,431
Total interest expense$658,0003,270
Net interest income$1,460,0003,477
Provision for loan and lease losses$75,0002,455
Total noninterest income$388,0002,539
Gross Fiduciary activities income$18,000999
Service charges on deposit accounts$198,0002,016
Trading account gains and fees$0115
Additional Noninterest Income$172,0002,731
Total noninterest expense$1,193,0003,324
Salaries and employee benefits$620,0003,470
Premises and equipment expense$159,0003,485
Additional noninterest expense$414,0002,932
Pre-tax net operating income$580,0003,302
Securities gains (losses)$01,685
Applicable income taxes$136,0003,256
Income before extraordinary items$444,0003,346
Extraordinary gains, net$024
Net income$444,0003,347
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0007,095
Cash dividends$456,0001,333
Sale, conversion, retirement of capital stock, net$0491
Net operating income$444,0003,311
2004-12-31 (YTD Data)Rank
Total interest income$8,475,0003,264
Total interest expense$2,493,0003,065
Net interest income$5,982,0003,300
Provision for loan and lease losses$315,0002,812
Total noninterest income$1,413,0002,795
Gross Fiduciary activities income$72,0001,001
Service charges on deposit accounts$857,0002,003
Trading account gains and fees$0138
Additional Noninterest Income$484,0003,367
Total noninterest expense$4,496,0003,412
Salaries and employee benefits$2,285,0003,587
Premises and equipment expense$657,0003,293
Additional noninterest expense$1,554,0003,046
Pre-tax net operating income$2,584,0002,923
Securities gains (losses)$5,0003,151
Applicable income taxes$639,0002,924
Income before extraordinary items$1,950,0002,974
Extraordinary gains, net$034
Net income$1,950,0002,974
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0003,605
Cash dividends$1,124,0002,136
Sale, conversion, retirement of capital stock, net$0872
Net operating income$1,946,2502,927
2004-09-30 (YTD Data)Rank
Total interest income$6,267,0003,275
Total interest expense$1,844,0003,043
Net interest income$4,423,0003,317
Provision for loan and lease losses$240,0002,636
Total noninterest income$1,069,0002,790
Gross Fiduciary activities income$54,0001,002
Service charges on deposit accounts$647,0002,020
Trading account gains and fees$0134
Additional Noninterest Income$368,0003,350
Total noninterest expense$3,375,0003,385
Salaries and employee benefits$1,713,0003,577
Premises and equipment expense$503,0003,240
Additional noninterest expense$1,159,0003,034
Pre-tax net operating income$1,877,0003,043
Securities gains (losses)$5,0003,038
Applicable income taxes$461,0003,053
Income before extraordinary items$1,421,0003,095
Extraordinary gains, net$026
Net income$1,421,0003,096
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0005,993
Cash dividends$840,0001,959
Sale, conversion, retirement of capital stock, net$0738
Net operating income$1,417,2003,038
2004-06-30 (YTD Data)Rank
Total interest income$4,152,0003,293
Total interest expense$1,218,0003,041
Net interest income$2,934,0003,328
Provision for loan and lease losses$240,0001,886
Total noninterest income$688,0002,873
Gross Fiduciary activities income$34,0001,021
Service charges on deposit accounts$406,0002,120
Trading account gains and fees$0130
Additional Noninterest Income$248,0003,336
Total noninterest expense$2,244,0003,422
Salaries and employee benefits$1,127,0003,627
Premises and equipment expense$338,0003,224
Additional noninterest expense$779,0003,006
Pre-tax net operating income$1,138,0003,238
Securities gains (losses)$5,0002,738
Applicable income taxes$269,0003,266
Income before extraordinary items$874,0003,295
Extraordinary gains, net$021
Net income$874,0003,295
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0004,807
Cash dividends$424,0002,377
Sale, conversion, retirement of capital stock, net$0638
Net operating income$870,2003,212
2004-03-31 (YTD Data)Rank
Total interest income$2,077,0003,287
Total interest expense$614,0003,062
Net interest income$1,463,0003,327
Provision for loan and lease losses$60,0002,918
Total noninterest income$297,0003,130
Gross Fiduciary activities income$18,0001,012
Service charges on deposit accounts$190,0002,180
Trading account gains and fees$0121
Additional Noninterest Income$89,0003,959
Total noninterest expense$1,116,0003,449
Salaries and employee benefits$549,0003,723
Premises and equipment expense$176,0003,144
Additional noninterest expense$391,0002,982
Pre-tax net operating income$584,0003,146
Securities gains (losses)$3,0002,499
Applicable income taxes$143,0003,179
Income before extraordinary items$444,0003,230
Extraordinary gains, net$016
Net income$444,0003,230
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-16,0008,465
Cash dividends$424,0001,392
Sale, conversion, retirement of capital stock, net$0464
Net operating income$441,7203,129
2003-12-31 (YTD Data)Rank
Total interest income$8,565,0003,238
Total interest expense$2,655,0003,190
Net interest income$5,910,0003,232
Provision for loan and lease losses$240,0003,615
Total noninterest income$1,177,0003,351
Gross Fiduciary activities income$46,0001,085
Service charges on deposit accounts$777,0002,163
Trading account gains and fees$0160
Additional Noninterest Income$354,0004,195
Total noninterest expense$4,073,0003,664
Salaries and employee benefits$2,005,0003,910
Premises and equipment expense$642,0003,327
Additional noninterest expense$1,426,0003,229
Pre-tax net operating income$2,774,0002,666
Securities gains (losses)$2,0004,163
Applicable income taxes$715,0002,750
Income before extraordinary items$2,061,0002,799
Extraordinary gains, net$054
Net income$2,061,0002,800
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$152,0003,331
Cash dividends$1,233,0002,019
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,059,5202,670
2003-09-30 (YTD Data)Rank
Total interest income$6,473,0003,260
Total interest expense$2,008,0003,279
Net interest income$4,465,0003,218
Provision for loan and lease losses$195,0003,379
Total noninterest income$880,0003,431
Gross Fiduciary activities income$32,0001,095
Service charges on deposit accounts$585,0002,180
Trading account gains and fees$0153
Additional Noninterest Income$263,0004,284
Total noninterest expense$2,954,0003,746
Salaries and employee benefits$1,409,0004,134
Premises and equipment expense$477,0003,344
Additional noninterest expense$1,068,0003,215
Pre-tax net operating income$2,196,0002,647
Securities gains (losses)$2,0003,872
Applicable income taxes$574,0002,763
Income before extraordinary items$1,624,0002,793
Extraordinary gains, net$040
Net income$1,624,0002,792
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$159,0002,504
Cash dividends$773,0002,048
Sale, conversion, retirement of capital stock, net$0722
Net operating income$1,622,5202,650
2003-06-30 (YTD Data)Rank
Total interest income$4,315,0003,285
Total interest expense$1,348,0003,343
Net interest income$2,967,0003,223
Provision for loan and lease losses$90,0004,018
Total noninterest income$603,0003,333
Gross Fiduciary activities income$19,0001,124
Service charges on deposit accounts$397,0002,111
Trading account gains and fees$0150
Additional Noninterest Income$187,0004,154
Total noninterest expense$1,980,0003,724
Salaries and employee benefits$955,0004,058
Premises and equipment expense$300,0003,489
Additional noninterest expense$725,0003,134
Pre-tax net operating income$1,500,0002,592
Securities gains (losses)$2,0003,460
Applicable income taxes$404,0002,670
Income before extraordinary items$1,098,0002,771
Extraordinary gains, net$030
Net income$1,098,0002,770
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$101,0002,486
Cash dividends$522,0002,078
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,096,5402,616
2003-03-31 (YTD Data)Rank
Total interest income$2,113,0003,370
Total interest expense$675,0003,413
Net interest income$1,438,0003,289
Provision for loan and lease losses$45,0003,818
Total noninterest income$289,0003,335
Gross Fiduciary activities income$9,0001,140
Service charges on deposit accounts$198,0002,041
Trading account gains and fees$0134
Additional Noninterest Income$82,0004,290
Total noninterest expense$964,0003,779
Salaries and employee benefits$441,0004,307
Premises and equipment expense$151,0003,467
Additional noninterest expense$372,0003,038
Pre-tax net operating income$718,0002,683
Securities gains (losses)$1,0002,714
Applicable income taxes$191,0002,777
Income before extraordinary items$528,0002,830
Extraordinary gains, net$021
Net income$528,0002,828
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-15,0008,751
Cash dividends$330,0001,663
Sale, conversion, retirement of capital stock, net$0419
Net operating income$527,2702,692
2002-12-31 (YTD Data)Rank
Total interest income$8,677,0003,408
Total interest expense$3,375,0003,213
Net interest income$5,302,0003,489
Provision for loan and lease losses$180,0004,547
Total noninterest income$1,060,0003,342
Gross Fiduciary activities income$36,0001,184
Service charges on deposit accounts$747,0002,124
Trading account gains and fees$0153
Additional Noninterest Income$277,0004,430
Total noninterest expense$3,880,0003,637
Salaries and employee benefits$1,912,0003,885
Premises and equipment expense$577,0003,527
Additional noninterest expense$1,391,0003,154
Pre-tax net operating income$2,302,0003,076
Securities gains (losses)$04,537
Applicable income taxes$595,0003,136
Income before extraordinary items$1,707,0003,167
Extraordinary gains, net$070
Net income$1,707,0003,166
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$74,0004,660
Cash dividends$1,244,0001,897
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,707,0003,060
2001-12-31 (YTD Data)Rank
Total interest income$9,557,0003,447
Total interest expense$4,906,0003,201
Net interest income$4,651,0003,644
Provision for loan and lease losses$180,0004,345
Total noninterest income$1,047,0003,232
Gross Fiduciary activities income$17,0001,335
Service charges on deposit accounts$776,0001,957
Trading account gains and fees$0177
Additional Noninterest Income$254,0004,468
Total noninterest expense$3,289,0004,030
Salaries and employee benefits$1,713,0004,074
Premises and equipment expense$403,0004,581
Additional noninterest expense$1,173,0003,571
Pre-tax net operating income$2,229,0002,925
Securities gains (losses)$3,0004,114
Applicable income taxes$586,0003,013
Income before extraordinary items$1,646,0003,009
Extraordinary gains, net$0105
Net income$1,646,0003,013
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$74,0004,533
Cash dividends$996,0002,285
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,643,7802,910
2000-12-31 (YTD Data)Rank
Total interest income$9,417,0003,578
Total interest expense$4,887,0003,391
Net interest income$4,530,0003,773
Provision for loan and lease losses$180,0003,942
Total noninterest income$940,0003,273
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$673,0002,061
Trading account gains and fees$0180
Additional Noninterest Income$267,0004,168
Total noninterest expense$3,003,0004,227
Salaries and employee benefits$1,578,0004,185
Premises and equipment expense$346,0004,972
Additional noninterest expense$1,079,0003,750
Pre-tax net operating income$2,287,0002,993
Securities gains (losses)$01,956
Applicable income taxes$600,0003,107
Income before extraordinary items$1,687,0002,954
Extraordinary gains, net$038
Net income$1,687,0002,952
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0007,122
Cash dividends$866,0002,531
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,687,0002,939
1999-12-31 (YTD Data)Rank
Total interest income$8,446,0003,719
Total interest expense$4,194,0003,444
Net interest income$4,252,0003,965
Provision for loan and lease losses$90,0005,432
Total noninterest income$811,0003,582
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$557,0002,394
Trading account gains and fees$0173
Additional Noninterest Income$254,0004,406
Total noninterest expense$2,752,0004,531
Salaries and employee benefits$1,325,0004,799
Premises and equipment expense$339,0005,072
Additional noninterest expense$1,088,0003,740
Pre-tax net operating income$2,221,0003,070
Securities gains (losses)$-5,0009,083
Applicable income taxes$595,0003,240
Income before extraordinary items$1,621,0003,057
Extraordinary gains, net$035
Net income$1,621,0003,058
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0005,020
Cash dividends$1,080,0002,136
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,624,6503,014
1998-12-31 (YTD Data)Rank
Total interest income$8,372,0003,770
Total interest expense$4,099,0003,606
Net interest income$4,273,0003,909
Provision for loan and lease losses$90,0005,311
Total noninterest income$801,0003,626
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$541,0002,379
Trading account gains and feesNANA
Additional Noninterest Income$260,0004,332
Total noninterest expense$2,625,0004,605
Salaries and employee benefits$1,426,0004,427
Premises and equipment expense$299,0005,389
Additional noninterest expense$900,0004,292
Pre-tax net operating income$2,359,0002,932
Securities gains (losses)$9,0003,034
Applicable income taxes$645,0003,219
Income before extraordinary items$1,723,0002,896
Extraordinary gains, net$032
Net income$1,723,0002,897
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-15,0009,764
Cash dividends$1,660,0001,530
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,716,4302,821
1997-12-31 (YTD Data)Rank
Total interest income$7,737,0004,091
Total interest expense$3,817,0003,849
Net interest income$3,920,0004,308
Provision for loan and lease losses$380,0002,180
Total noninterest income$955,0003,151
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$564,0002,327
Trading account gains and feesNANA
Additional Noninterest Income$391,0003,325
Total noninterest expense$2,577,0004,671
Salaries and employee benefits$1,389,0004,537
Premises and equipment expense$315,0005,280
Additional noninterest expense$873,0004,428
Pre-tax net operating income$1,918,0003,680
Securities gains (losses)$1,0003,559
Applicable income taxes$462,0004,449
Income before extraordinary items$1,457,0003,448
Extraordinary gains, net$044
Net income$1,457,0003,448
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$459,0001,434
Cash dividends$840,0002,484
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,456,2403,369
1996-12-31 (YTD Data)Rank
Total interest income$7,117,0004,513
Total interest expense$3,446,0004,249
Net interest income$3,671,0004,641
Provision for loan and lease losses$157,0003,967
Total noninterest income$876,0003,462
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$531,0002,561
Trading account gains and feesNANA
Additional Noninterest Income$345,0003,729
Total noninterest expense$2,440,0005,102
Salaries and employee benefits$1,299,0004,859
Premises and equipment expense$312,0005,425
Additional noninterest expense$829,0005,070
Pre-tax net operating income$1,950,0003,475
Securities gains (losses)$3,0003,304
Applicable income taxes$527,0003,982
Income before extraordinary items$1,426,0003,351
Extraordinary gains, net$053
Net income$1,426,0003,350
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0009,914
Cash dividends$935,0002,255
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,423,8103,312
1995-12-31 (YTD Data)Rank
Total interest income$6,782,0004,695
Total interest expense$3,461,0004,201
Net interest income$3,321,0005,079
Provision for loan and lease losses$207,0002,933
Total noninterest income$873,0003,437
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$573,0002,360
Trading account gains and feesNANA
Additional Noninterest Income$300,0004,001
Total noninterest expense$2,411,0005,161
Salaries and employee benefits$1,196,0005,233
Premises and equipment expense$322,0005,333
Additional noninterest expense$893,0004,795
Pre-tax net operating income$1,576,0004,278
Securities gains (losses)$28,0001,681
Applicable income taxes$412,0004,841
Income before extraordinary items$1,192,0003,980
Extraordinary gains, net$065
Net income$1,192,0003,978
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$74,0004,392
Cash dividends$580,0003,030
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,171,2804,025
1994-12-31 (YTD Data)Rank
Total interest income$5,695,0005,092
Total interest expense$2,578,0004,527
Net interest income$3,117,0005,444
Provision for loan and lease losses$60,0005,594
Total noninterest income$775,0003,815
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$550,0002,476
Trading account gains and feesNANA
Additional Noninterest Income$225,0004,885
Total noninterest expense$2,356,0005,435
Salaries and employee benefits$1,124,0005,554
Premises and equipment expense$305,0005,645
Additional noninterest expense$927,0005,049
Pre-tax net operating income$1,476,0004,471
Securities gains (losses)$03,600
Applicable income taxes$355,0005,214
Income before extraordinary items$1,121,0004,110
Extraordinary gains, net$0249
Net income$1,121,0004,112
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,696
Cash dividends$440,0003,510
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,121,0004,144
1993-12-31 (YTD Data)Rank
Total interest income$5,230,0005,554
Total interest expense$2,486,0004,835
Net interest income$2,744,0006,082
Provision for loan and lease losses$45,0007,729
Total noninterest income$800,0003,990
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$546,0002,542
Trading account gains and feesNANA
Additional Noninterest Income$254,0004,970
Total noninterest expense$2,290,0005,684
Salaries and employee benefits$1,126,0005,536
Premises and equipment expense$263,0006,446
Additional noninterest expense$901,0005,359
Pre-tax net operating income$1,209,0005,154
Securities gains (losses)$3,0006,505
Applicable income taxes$268,0006,519
Income before extraordinary items$944,0004,908
Extraordinary gains, net$03,149
Net income$944,0005,052
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0008,555
Cash dividends$300,0004,359
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$941,6604,690
1992-12-31 (YTD Data)Rank
Total interest income$5,195,0006,184
Total interest expense$2,603,0005,788
Net interest income$2,592,0006,417
Provision for loan and lease losses$55,0008,828
Total noninterest income$736,0004,242
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$510,0002,716
Trading account gains and feesNANA
Additional Noninterest Income$226,0005,284
Total noninterest expense$2,005,0006,370
Salaries and employee benefits$1,053,0005,770
Premises and equipment expense$160,0008,845
Additional noninterest expense$792,0006,122
Pre-tax net operating income$1,268,0004,702
Securities gains (losses)$08,369
Applicable income taxes$303,0005,887
Income before extraordinary items$965,0004,653
Extraordinary gains, net$01,422
Net income$965,0004,703
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-28,00013,250
Cash dividends$415,0003,216
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$965,0004,332

* 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.