Home > Southern First Bank > Income and Expense

Southern First Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$177,815,000329
Total interest expense$97,763,000236
Net interest income$80,052,000456
Provision for loan and lease losses$2,210,000529
Total noninterest income$9,449,000764
Gross Fiduciary activities income$0981
Service charges on deposit accounts$897,0001,087
Trading account gains and fees$0123
Additional Noninterest Income$8,552,000603
Total noninterest expense$67,434,000434
Salaries and employee benefits$41,364,000390
Premises and equipment expense$9,933,000298
Additional noninterest expense$8,552,000603
Pre-tax net operating income$19,857,000693
Securities gains (losses)$0988
Applicable income taxes$4,512,000574
Income before extraordinary items$15,345,000720
Extraordinary gains, net$054
Net income$15,345,000731
Minority interest net income$088
Net income of bank and minority interests.$15,345,000723
Net charge-offs$166,0001,259
Cash dividends$03,459
Sale, conversion, retirement of capital stock, net$0540
Net operating income$15,345,000729
2023-09-30 (YTD Data)Rank
Total interest income$128,645,000332
Total interest expense$68,244,000243
Net interest income$60,401,000460
Provision for loan and lease losses$2,850,000373
Total noninterest income$7,117,000774
Gross Fiduciary activities income$0950
Service charges on deposit accounts$652,0001,104
Trading account gains and fees$0125
Additional Noninterest Income$6,465,000616
Total noninterest expense$50,767,000427
Salaries and employee benefits$31,477,000385
Premises and equipment expense$7,301,000304
Additional noninterest expense$6,465,000616
Pre-tax net operating income$13,901,000756
Securities gains (losses)$0849
Applicable income taxes$3,212,000619
Income before extraordinary items$10,689,000784
Extraordinary gains, net$052
Net income$10,689,000788
Minority interest net income$081
Net income of bank and minority interests.$10,689,000784
Net charge-offs$358,000675
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$0507
Net operating income$10,689,000803
2023-06-30 (YTD Data)Rank
Total interest income$81,152,000331
Total interest expense$40,697,000239
Net interest income$40,455,000452
Provision for loan and lease losses$2,950,000281
Total noninterest income$4,500,000784
Gross Fiduciary activities income$0931
Service charges on deposit accounts$413,0001,133
Trading account gains and fees$0112
Additional Noninterest Income$4,087,000608
Total noninterest expense$34,011,000418
Salaries and employee benefits$20,769,000383
Premises and equipment expense$4,826,000296
Additional noninterest expense$4,087,000608
Pre-tax net operating income$7,994,000849
Securities gains (losses)$0938
Applicable income taxes$1,888,000684
Income before extraordinary items$6,106,000909
Extraordinary gains, net$051
Net income$6,106,000921
Minority interest net income$081
Net income of bank and minority interests.$6,106,000909
Net charge-offs$484,000453
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$0486
Net operating income$6,106,000919
2023-03-31 (YTD Data)Rank
Total interest income$38,409,000348
Total interest expense$17,374,000244
Net interest income$21,035,000446
Provision for loan and lease losses$1,855,000247
Total noninterest income$2,053,000819
Gross Fiduciary activities income$0913
Service charges on deposit accounts$203,0001,170
Trading account gains and fees$097
Additional Noninterest Income$1,850,000642
Total noninterest expense$17,102,000427
Salaries and employee benefits$10,638,000384
Premises and equipment expense$2,391,000313
Additional noninterest expense$1,850,000642
Pre-tax net operating income$4,131,000865
Securities gains (losses)$0950
Applicable income taxes$961,000693
Income before extraordinary items$3,170,000901
Extraordinary gains, net$04
Net income$3,170,000899
Minority interest net income$048
Net income of bank and minority interests.$3,170,000900
Net charge-offs$59,000746
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$0430
Net operating income$3,170,000911
2022-12-31 (YTD Data)Rank
Total interest income$118,046,000357
Total interest expense$18,332,000281
Net interest income$99,714,000366
Provision for loan and lease losses$5,375,000265
Total noninterest income$9,346,000794
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$781,0001,233
Trading account gains and fees$0116
Additional Noninterest Income$8,565,000626
Total noninterest expense$63,634,000441
Salaries and employee benefits$39,074,000400
Premises and equipment expense$8,883,000328
Additional noninterest expense$8,565,000626
Pre-tax net operating income$40,051,000445
Securities gains (losses)$12,000413
Applicable income taxes$9,407,000400
Income before extraordinary items$30,656,000456
Extraordinary gains, net$05
Net income$30,656,000457
Minority interest net income$063
Net income of bank and minority interests.$30,656,000457
Net charge-offs$-1,356,0004,674
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$0568
Net operating income$30,646,520462
2022-09-30 (YTD Data)Rank
Total interest income$82,970,000359
Total interest expense$7,915,000312
Net interest income$75,055,000352
Provision for loan and lease losses$3,075,000303
Total noninterest income$7,808,000759
Gross Fiduciary activities income$0968
Service charges on deposit accounts$594,0001,224
Trading account gains and fees$0111
Additional Noninterest Income$7,214,000592
Total noninterest expense$47,376,000439
Salaries and employee benefits$28,869,000399
Premises and equipment expense$6,281,000342
Additional noninterest expense$7,214,000592
Pre-tax net operating income$32,412,000417
Securities gains (losses)$12,000411
Applicable income taxes$7,696,000372
Income before extraordinary items$24,728,000430
Extraordinary gains, net$04
Net income$24,728,000429
Minority interest net income$057
Net income of bank and minority interests.$24,728,000430
Net charge-offs$-1,333,0004,707
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$0519
Net operating income$24,718,520440
2022-06-30 (YTD Data)Rank
Total interest income$51,983,000353
Total interest expense$2,881,000424
Net interest income$49,102,000352
Provision for loan and lease losses$2,550,000225
Total noninterest income$4,987,000765
Gross Fiduciary activities income$0925
Service charges on deposit accounts$400,0001,197
Trading account gains and fees$0108
Additional Noninterest Income$4,587,000628
Total noninterest expense$30,770,000443
Salaries and employee benefits$18,981,000400
Premises and equipment expense$3,905,000352
Additional noninterest expense$7,884,000526
Pre-tax net operating income$20,769,000416
Securities gains (losses)$12,000377
Applicable income taxes$4,865,000369
Income before extraordinary items$15,916,000423
Extraordinary gains, net$04
Net income$15,916,000422
Minority interest net income$060
Net income of bank and minority interests.$15,916,000423
Net charge-offs$267,000465
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$0494
Net operating income$15,906,520434
2022-03-31 (YTD Data)Rank
Total interest income$24,621,000359
Total interest expense$927,000603
Net interest income$23,694,000356
Provision for loan and lease losses$1,025,000198
Total noninterest income$3,075,000680
Gross Fiduciary activities income$0892
Service charges on deposit accounts$191,0001,220
Trading account gains and fees$0103
Additional Noninterest Income$2,884,000546
Total noninterest expense$15,011,000457
Salaries and employee benefits$9,261,000416
Premises and equipment expense$1,735,000406
Additional noninterest expense$4,015,000503
Pre-tax net operating income$10,733,000402
Securities gains (losses)$4,000477
Applicable income taxes$2,423,000365
Income before extraordinary items$8,314,000409
Extraordinary gains, net$04
Net income$8,314,000408
Minority interest net income$050
Net income of bank and minority interests.$8,314,000409
Net charge-offs$-11,0003,948
Cash dividends$02,284
Sale, conversion, retirement of capital stock, net$0453
Net operating income$8,310,840414
2021-12-31 (YTD Data)Rank
Total interest income$93,891,000383
Total interest expense$3,932,000686
Net interest income$89,959,000372
Provision for loan and lease losses$-12,400,0004,742
Total noninterest income$17,759,000564
Gross Fiduciary activities income$0994
Service charges on deposit accounts$757,0001,178
Trading account gains and fees$0132
Additional Noninterest Income$17,002,000470
Total noninterest expense$57,522,000460
Salaries and employee benefits$35,068,000433
Premises and equipment expense$6,731,000415
Additional noninterest expense$15,723,000527
Pre-tax net operating income$62,596,000325
Securities gains (losses)$-3,0004,291
Applicable income taxes$14,468,000306
Income before extraordinary items$48,125,000348
Extraordinary gains, net$010
Net income$48,125,000349
Minority interest net income$074
Net income of bank and minority interests.$48,125,000348
Net charge-offs$1,341,000356
Cash dividends$03,608
Sale, conversion, retirement of capital stock, net$0582
Net operating income$48,127,370341
2021-09-30 (YTD Data)Rank
Total interest income$69,656,000395
Total interest expense$3,021,000707
Net interest income$66,635,000376
Provision for loan and lease losses$-8,200,0004,793
Total noninterest income$14,388,000542
Gross Fiduciary activities income$0957
Service charges on deposit accounts$557,0001,195
Trading account gains and fees$0132
Additional Noninterest Income$13,831,000458
Total noninterest expense$42,720,000465
Salaries and employee benefits$26,281,000436
Premises and equipment expense$4,707,000447
Additional noninterest expense$11,732,000530
Pre-tax net operating income$46,503,000333
Securities gains (losses)$-3,0004,477
Applicable income taxes$10,723,000315
Income before extraordinary items$35,777,000350
Extraordinary gains, net$08
Net income$35,777,000349
Minority interest net income$069
Net income of bank and minority interests.$35,777,000350
Net charge-offs$-125,0004,524
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$0543
Net operating income$35,779,370343
2021-06-30 (YTD Data)Rank
Total interest income$46,059,000396
Total interest expense$2,086,000716
Net interest income$43,973,000376
Provision for loan and lease losses$-2,200,0004,752
Total noninterest income$10,203,000522
Gross Fiduciary activities income$0951
Service charges on deposit accounts$358,0001,194
Trading account gains and fees$0133
Additional Noninterest Income$9,845,000445
Total noninterest expense$28,682,000456
Salaries and employee benefits$17,562,000432
Premises and equipment expense$3,071,000456
Additional noninterest expense$8,049,000501
Pre-tax net operating income$27,694,000364
Securities gains (losses)$-3,0004,550
Applicable income taxes$6,276,000345
Income before extraordinary items$21,415,000381
Extraordinary gains, net$06
Net income$21,415,000379
Minority interest net income$067
Net income of bank and minority interests.$21,415,000381
Net charge-offs$37,0001,256
Cash dividends$03,104
Sale, conversion, retirement of capital stock, net$0517
Net operating income$21,417,370375
2021-03-31 (YTD Data)Rank
Total interest income$22,939,000393
Total interest expense$1,163,000680
Net interest income$21,776,000375
Provision for loan and lease losses$-300,0004,718
Total noninterest income$6,936,000428
Gross Fiduciary activities income$0922
Service charges on deposit accounts$185,0001,166
Trading account gains and fees$0127
Additional Noninterest Income$6,751,000363
Total noninterest expense$15,255,000436
Salaries and employee benefits$8,964,000427
Premises and equipment expense$1,578,000446
Additional noninterest expense$4,713,000419
Pre-tax net operating income$13,757,000365
Securities gains (losses)$-1,0004,533
Applicable income taxes$3,041,000354
Income before extraordinary items$10,715,000381
Extraordinary gains, net$03
Net income$10,715,000378
Minority interest net income$055
Net income of bank and minority interests.$10,715,000381
Net charge-offs$350,000314
Cash dividends$02,452
Sale, conversion, retirement of capital stock, net$0482
Net operating income$10,715,790373
2020-12-31 (YTD Data)Rank
Total interest income$97,565,000368
Total interest expense$13,317,000383
Net interest income$84,248,000365
Provision for loan and lease losses$29,600,000187
Total noninterest income$28,201,000389
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$860,0001,082
Trading account gains and fees$0133
Additional Noninterest Income$27,341,000323
Total noninterest expense$57,059,000451
Salaries and employee benefits$33,064,000439
Premises and equipment expense$5,925,000457
Additional noninterest expense$18,070,000445
Pre-tax net operating income$25,790,000477
Securities gains (losses)$3,0002,512
Applicable income taxes$5,906,000434
Income before extraordinary items$19,887,000524
Extraordinary gains, net$04
Net income$19,887,000524
Minority interest net income$072
Net income of bank and minority interests.$19,887,000524
Net charge-offs$2,093,000402
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$0566
Net operating income$19,884,630505
2020-09-30 (YTD Data)Rank
Total interest income$73,851,000367
Total interest expense$11,452,000371
Net interest income$62,399,000363
Provision for loan and lease losses$27,300,000188
Total noninterest income$21,452,000374
Gross Fiduciary activities income$0981
Service charges on deposit accounts$670,0001,037
Trading account gains and fees$0125
Additional Noninterest Income$20,782,000308
Total noninterest expense$42,301,000448
Salaries and employee benefits$24,184,000439
Premises and equipment expense$4,390,000457
Additional noninterest expense$13,727,000428
Pre-tax net operating income$14,250,000590
Securities gains (losses)$1,0002,423
Applicable income taxes$3,312,000500
Income before extraordinary items$10,939,000646
Extraordinary gains, net$04
Net income$10,939,000645
Minority interest net income$065
Net income of bank and minority interests.$10,939,000646
Net charge-offs$1,723,000355
Cash dividends$03,384
Sale, conversion, retirement of capital stock, net$0532
Net operating income$10,938,210618
2020-06-30 (YTD Data)Rank
Total interest income$50,317,000360
Total interest expense$9,057,000345
Net interest income$41,260,000363
Provision for loan and lease losses$16,200,000212
Total noninterest income$13,147,000367
Gross Fiduciary activities income$0970
Service charges on deposit accounts$459,0001,031
Trading account gains and fees$0123
Additional Noninterest Income$12,688,000299
Total noninterest expense$27,348,000450
Salaries and employee benefits$15,913,000434
Premises and equipment expense$2,875,000462
Additional noninterest expense$8,560,000447
Pre-tax net operating income$10,859,000475
Securities gains (losses)$02,249
Applicable income taxes$2,496,000418
Income before extraordinary items$8,363,000524
Extraordinary gains, net$04
Net income$8,363,000521
Minority interest net income$065
Net income of bank and minority interests.$8,363,000524
Net charge-offs$1,240,000346
Cash dividends$03,237
Sale, conversion, retirement of capital stock, net$0504
Net operating income$8,363,000500
2020-03-31 (YTD Data)Rank
Total interest income$23,950,000376
Total interest expense$5,333,000336
Net interest income$18,617,000388
Provision for loan and lease losses$6,000,000241
Total noninterest income$5,322,000405
Gross Fiduciary activities income$0941
Service charges on deposit accounts$262,0001,075
Trading account gains and fees$0106
Additional Noninterest Income$5,060,000307
Total noninterest expense$13,796,000453
Salaries and employee benefits$7,665,000446
Premises and equipment expense$1,461,000467
Additional noninterest expense$4,670,000416
Pre-tax net operating income$4,143,000556
Securities gains (losses)$01,705
Applicable income taxes$915,000494
Income before extraordinary items$3,228,000607
Extraordinary gains, net$04
Net income$3,228,000608
Minority interest net income$056
Net income of bank and minority interests.$3,228,000607
Net charge-offs$179,000667
Cash dividends$02,639
Sale, conversion, retirement of capital stock, net$0482
Net operating income$3,228,000590
2019-12-31 (YTD Data)Rank
Total interest income$93,039,000387
Total interest expense$24,467,000323
Net interest income$68,572,000418
Provision for loan and lease losses$2,300,000479
Total noninterest income$15,960,000500
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$1,061,0001,094
Trading account gains and fees$0135
Additional Noninterest Income$14,899,000396
Total noninterest expense$46,324,000499
Salaries and employee benefits$28,368,000457
Premises and equipment expense$5,213,000509
Additional noninterest expense$12,743,000562
Pre-tax net operating income$35,908,000393
Securities gains (losses)$727,000283
Applicable income taxes$7,863,000373
Income before extraordinary items$28,772,000396
Extraordinary gains, net$011
Net income$28,772,000396
Minority interest net income$076
Net income of bank and minority interests.$28,772,000396
Net charge-offs$1,420,000529
Cash dividends$03,944
Sale, conversion, retirement of capital stock, net$0626
Net operating income$28,197,670400
2019-09-30 (YTD Data)Rank
Total interest income$69,001,000398
Total interest expense$18,650,000326
Net interest income$50,351,000430
Provision for loan and lease losses$1,250,000579
Total noninterest income$11,909,000505
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$802,0001,093
Trading account gains and fees$0129
Additional Noninterest Income$11,107,000392
Total noninterest expense$34,002,000513
Salaries and employee benefits$21,272,000454
Premises and equipment expense$3,848,000517
Additional noninterest expense$8,882,000600
Pre-tax net operating income$27,008,000399
Securities gains (losses)$8,0001,718
Applicable income taxes$5,842,000375
Income before extraordinary items$21,174,000413
Extraordinary gains, net$011
Net income$21,174,000412
Minority interest net income$072
Net income of bank and minority interests.$21,174,000413
Net charge-offs$1,164,000450
Cash dividends$03,588
Sale, conversion, retirement of capital stock, net$0590
Net operating income$21,167,680407
2019-06-30 (YTD Data)Rank
Total interest income$44,858,000406
Total interest expense$12,023,000333
Net interest income$32,835,000440
Provision for loan and lease losses$600,000719
Total noninterest income$7,328,000529
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$530,0001,087
Trading account gains and fees$0131
Additional Noninterest Income$6,798,000409
Total noninterest expense$22,304,000519
Salaries and employee benefits$13,759,000468
Premises and equipment expense$2,516,000526
Additional noninterest expense$6,029,000594
Pre-tax net operating income$17,259,000403
Securities gains (losses)$6,0001,330
Applicable income taxes$3,669,000383
Income before extraordinary items$13,596,000415
Extraordinary gains, net$011
Net income$13,596,000416
Minority interest net income$069
Net income of bank and minority interests.$13,596,000416
Net charge-offs$218,000943
Cash dividends$03,456
Sale, conversion, retirement of capital stock, net$0573
Net operating income$13,591,260408
2019-03-31 (YTD Data)Rank
Total interest income$21,673,000413
Total interest expense$5,631,000341
Net interest income$16,042,000447
Provision for loan and lease losses$300,000677
Total noninterest income$3,104,000573
Gross Fiduciary activities income$0972
Service charges on deposit accounts$265,0001,075
Trading account gains and fees$0126
Additional Noninterest Income$2,839,000461
Total noninterest expense$10,762,000535
Salaries and employee benefits$6,569,000481
Premises and equipment expense$1,255,000532
Additional noninterest expense$2,938,000590
Pre-tax net operating income$8,084,000409
Securities gains (losses)$3,000920
Applicable income taxes$1,902,000373
Income before extraordinary items$6,185,000446
Extraordinary gains, net$05
Net income$6,185,000446
Minority interest net income$052
Net income of bank and minority interests.$6,185,000446
Net charge-offs$11,0001,939
Cash dividends$02,803
Sale, conversion, retirement of capital stock, net$0529
Net operating income$6,182,630437
2018-12-31 (YTD Data)Rank
Total interest income$77,019,000428
Total interest expense$15,923,000359
Net interest income$61,096,000455
Provision for loan and lease losses$1,900,000526
Total noninterest income$9,583,000704
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$1,040,0001,138
Trading account gains and fees$0126
Additional Noninterest Income$8,543,000558
Total noninterest expense$39,273,000569
Salaries and employee benefits$24,621,000505
Premises and equipment expense$4,725,000541
Additional noninterest expense$9,927,000710
Pre-tax net operating income$29,506,000436
Securities gains (losses)$7,000778
Applicable income taxes$6,573,000391
Income before extraordinary items$22,940,000462
Extraordinary gains, net$06
Net income$22,940,000461
Minority interest net income$072
Net income of bank and minority interests.$22,940,000461
Net charge-offs$1,661,000407
Cash dividends$04,033
Sale, conversion, retirement of capital stock, net$0671
Net operating income$22,934,470461
2018-09-30 (YTD Data)Rank
Total interest income$55,815,000434
Total interest expense$10,995,000363
Net interest income$44,820,000463
Provision for loan and lease losses$1,300,000533
Total noninterest income$7,275,000701
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$769,0001,144
Trading account gains and fees$0138
Additional Noninterest Income$6,506,000560
Total noninterest expense$28,977,000577
Salaries and employee benefits$18,113,000519
Premises and equipment expense$3,521,000543
Additional noninterest expense$7,343,000698
Pre-tax net operating income$21,818,000443
Securities gains (losses)$01,118
Applicable income taxes$4,830,000417
Income before extraordinary items$16,988,000468
Extraordinary gains, net$05
Net income$16,988,000467
Minority interest net income$066
Net income of bank and minority interests.$16,988,000467
Net charge-offs$683,000582
Cash dividends$03,618
Sale, conversion, retirement of capital stock, net$0633
Net operating income$16,988,000466
2018-06-30 (YTD Data)Rank
Total interest income$35,851,000441
Total interest expense$6,780,000368
Net interest income$29,071,000472
Provision for loan and lease losses$900,000507
Total noninterest income$4,978,000689
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$512,0001,136
Trading account gains and fees$0130
Additional Noninterest Income$4,466,000552
Total noninterest expense$18,989,000589
Salaries and employee benefits$11,760,000532
Premises and equipment expense$2,251,000567
Additional noninterest expense$4,978,000689
Pre-tax net operating income$14,160,000447
Securities gains (losses)$-1,0004,637
Applicable income taxes$3,121,000423
Income before extraordinary items$11,038,000468
Extraordinary gains, net$06
Net income$11,038,000467
Minority interest net income$065
Net income of bank and minority interests.$11,038,000467
Net charge-offs$323,000690
Cash dividends$03,485
Sale, conversion, retirement of capital stock, net$0620
Net operating income$11,038,790466
2018-03-31 (YTD Data)Rank
Total interest income$17,246,000452
Total interest expense$3,020,000380
Net interest income$14,226,000479
Provision for loan and lease losses$500,000462
Total noninterest income$2,333,000705
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$257,0001,150
Trading account gains and fees$0123
Additional Noninterest Income$2,076,000564
Total noninterest expense$9,125,000637
Salaries and employee benefits$5,619,000564
Premises and equipment expense$1,057,000597
Additional noninterest expense$2,449,000685
Pre-tax net operating income$6,934,000448
Securities gains (losses)$-1,0004,986
Applicable income taxes$1,580,000410
Income before extraordinary items$5,353,000478
Extraordinary gains, net$07
Net income$5,353,000477
Minority interest net income$052
Net income of bank and minority interests.$5,353,000478
Net charge-offs$171,000629
Cash dividends$02,774
Sale, conversion, retirement of capital stock, net$0580
Net operating income$5,353,790476
2017-12-31 (YTD Data)Rank
Total interest income$61,514,000474
Total interest expense$9,829,000381
Net interest income$51,685,000494
Provision for loan and lease losses$2,000,000510
Total noninterest income$9,069,000738
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$1,169,0001,038
Trading account gains and fees$0151
Additional Noninterest Income$7,900,000606
Total noninterest expense$34,348,000643
Salaries and employee benefits$20,999,000569
Premises and equipment expense$3,836,000649
Additional noninterest expense$9,513,000708
Pre-tax net operating income$24,406,000467
Securities gains (losses)$4,0001,851
Applicable income taxes$10,878,000382
Income before extraordinary items$13,532,000572
Extraordinary gains, net$09
Net income$13,532,000572
Minority interest net income$076
Net income of bank and minority interests.$13,532,000572
Net charge-offs$1,332,000564
Cash dividends$04,147
Sale, conversion, retirement of capital stock, net$0711
Net operating income$13,529,440565
2017-09-30 (YTD Data)Rank
Total interest income$45,092,000486
Total interest expense$7,193,000378
Net interest income$37,899,000507
Provision for loan and lease losses$1,500,000501
Total noninterest income$7,167,000717
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$886,0001,031
Trading account gains and fees$0145
Additional Noninterest Income$6,281,000584
Total noninterest expense$26,003,000636
Salaries and employee benefits$15,775,000577
Premises and equipment expense$2,831,000670
Additional noninterest expense$7,397,000686
Pre-tax net operating income$17,563,000502
Securities gains (losses)$2,0002,024
Applicable income taxes$6,229,000417
Income before extraordinary items$11,336,000565
Extraordinary gains, net$09
Net income$11,336,000565
Minority interest net income$071
Net income of bank and minority interests.$11,336,000565
Net charge-offs$776,000590
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$0677
Net operating income$11,334,700558
2017-06-30 (YTD Data)Rank
Total interest income$29,053,000492
Total interest expense$4,665,000373
Net interest income$24,388,000514
Provision for loan and lease losses$1,000,000498
Total noninterest income$4,700,000728
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$561,0001,061
Trading account gains and fees$0139
Additional Noninterest Income$4,139,000586
Total noninterest expense$17,248,000637
Salaries and employee benefits$10,397,000584
Premises and equipment expense$1,871,000671
Additional noninterest expense$4,980,000685
Pre-tax net operating income$10,840,000517
Securities gains (losses)$2,0001,641
Applicable income taxes$3,872,000433
Income before extraordinary items$6,970,000595
Extraordinary gains, net$011
Net income$6,970,000594
Minority interest net income$071
Net income of bank and minority interests.$6,970,000595
Net charge-offs$411,000669
Cash dividends$03,544
Sale, conversion, retirement of capital stock, net$0659
Net operating income$6,968,720587
2017-03-31 (YTD Data)Rank
Total interest income$14,054,000506
Total interest expense$2,224,000372
Net interest income$11,830,000527
Provision for loan and lease losses$500,000453
Total noninterest income$2,248,000734
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$278,0001,075
Trading account gains and fees$0142
Additional Noninterest Income$1,970,000596
Total noninterest expense$8,585,000646
Salaries and employee benefits$5,062,000610
Premises and equipment expense$897,000715
Additional noninterest expense$2,626,000645
Pre-tax net operating income$4,993,000529
Securities gains (losses)$01,153
Applicable income taxes$1,755,000458
Income before extraordinary items$3,238,000622
Extraordinary gains, net$08
Net income$3,238,000622
Minority interest net income$055
Net income of bank and minority interests.$3,238,000622
Net charge-offs$68,0001,139
Cash dividends$02,846
Sale, conversion, retirement of capital stock, net$0632
Net operating income$3,238,000609
2016-12-31 (YTD Data)Rank
Total interest income$51,455,000526
Total interest expense$7,792,000381
Net interest income$43,663,000551
Provision for loan and lease losses$2,300,000471
Total noninterest income$9,159,000737
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$1,002,0001,211
Trading account gains and fees$0170
Additional Noninterest Income$8,157,000594
Total noninterest expense$29,942,000714
Salaries and employee benefits$18,187,000649
Premises and equipment expense$3,305,000751
Additional noninterest expense$8,450,000782
Pre-tax net operating income$20,580,000498
Securities gains (losses)$431,000495
Applicable income taxes$7,504,000418
Income before extraordinary items$13,507,000572
Extraordinary gains, net$05
Net income$13,507,000571
Minority interest net income$082
Net income of bank and minority interests.$13,507,000571
Net charge-offs$1,074,000623
Cash dividends$04,239
Sale, conversion, retirement of capital stock, net$668,000245
Net operating income$13,231,160573
2016-09-30 (YTD Data)Rank
Total interest income$37,921,000534
Total interest expense$5,750,000384
Net interest income$32,171,000558
Provision for loan and lease losses$2,025,000406
Total noninterest income$8,107,000658
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$732,0001,229
Trading account gains and fees$0169
Additional Noninterest Income$7,375,000524
Total noninterest expense$22,981,000696
Salaries and employee benefits$13,798,000641
Premises and equipment expense$2,459,000758
Additional noninterest expense$6,724,000742
Pre-tax net operating income$15,272,000503
Securities gains (losses)$431,000451
Applicable income taxes$5,595,000421
Income before extraordinary items$10,108,000583
Extraordinary gains, net$05
Net income$10,108,000583
Minority interest net income$071
Net income of bank and minority interests.$10,108,000583
Net charge-offs$1,176,000428
Cash dividends$03,792
Sale, conversion, retirement of capital stock, net$0719
Net operating income$9,832,160576
2016-06-30 (YTD Data)Rank
Total interest income$24,932,000537
Total interest expense$3,817,000385
Net interest income$21,115,000568
Provision for loan and lease losses$1,200,000436
Total noninterest income$5,104,000672
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$463,0001,271
Trading account gains and fees$0157
Additional Noninterest Income$4,641,000527
Total noninterest expense$15,071,000708
Salaries and employee benefits$9,030,000654
Premises and equipment expense$1,606,000780
Additional noninterest expense$4,435,000747
Pre-tax net operating income$9,948,000509
Securities gains (losses)$325,000405
Applicable income taxes$3,701,000424
Income before extraordinary items$6,572,000585
Extraordinary gains, net$016
Net income$6,572,000584
Minority interest net income$071
Net income of bank and minority interests.$6,572,000584
Net charge-offs$512,000585
Cash dividends$03,654
Sale, conversion, retirement of capital stock, net$0705
Net operating income$6,364,000585
2016-03-31 (YTD Data)Rank
Total interest income$12,366,000546
Total interest expense$1,923,000382
Net interest income$10,443,000576
Provision for loan and lease losses$625,000387
Total noninterest income$1,963,000801
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$220,0001,320
Trading account gains and fees$0142
Additional Noninterest Income$1,743,000636
Total noninterest expense$6,984,000757
Salaries and employee benefits$4,117,000724
Premises and equipment expense$793,000795
Additional noninterest expense$2,074,000787
Pre-tax net operating income$4,797,000506
Securities gains (losses)$307,000211
Applicable income taxes$1,789,000423
Income before extraordinary items$3,315,000557
Extraordinary gains, net$012
Net income$3,315,000556
Minority interest net income$062
Net income of bank and minority interests.$3,315,000557
Net charge-offs$356,000435
Cash dividends$02,895
Sale, conversion, retirement of capital stock, net$0659
Net operating income$3,115,450573
2015-12-31 (YTD Data)Rank
Total interest income$46,148,000550
Total interest expense$7,156,000382
Net interest income$38,992,000587
Provision for loan and lease losses$3,200,000302
Total noninterest income$6,931,000890
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$893,0001,348
Trading account gains and fees$0159
Additional Noninterest Income$6,038,000704
Total noninterest expense$26,310,000790
Salaries and employee benefits$15,311,000746
Premises and equipment expense$2,991,000831
Additional noninterest expense$8,008,000817
Pre-tax net operating income$16,413,000569
Securities gains (losses)$297,000562
Applicable income taxes$5,581,000483
Income before extraordinary items$11,129,000666
Extraordinary gains, net$023
Net income$11,129,000665
Minority interest net income$081
Net income of bank and minority interests.$11,129,000666
Net charge-offs$1,323,000553
Cash dividends$04,291
Sale, conversion, retirement of capital stock, net$0804
Net operating income$10,930,010664
2015-09-30 (YTD Data)Rank
Total interest income$33,963,000565
Total interest expense$5,230,000395
Net interest income$28,733,000603
Provision for loan and lease losses$2,500,000277
Total noninterest income$5,119,000911
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$676,0001,343
Trading account gains and fees$0153
Additional Noninterest Income$4,443,000725
Total noninterest expense$19,486,000801
Salaries and employee benefits$11,453,000761
Premises and equipment expense$2,239,000844
Additional noninterest expense$5,794,000851
Pre-tax net operating income$11,866,000607
Securities gains (losses)$297,000480
Applicable income taxes$4,139,000510
Income before extraordinary items$8,024,000687
Extraordinary gains, net$021
Net income$8,024,000684
Minority interest net income$078
Net income of bank and minority interests.$8,024,000687
Net charge-offs$884,000558
Cash dividends$03,825
Sale, conversion, retirement of capital stock, net$0773
Net operating income$7,827,980685
2015-06-30 (YTD Data)Rank
Total interest income$22,182,000574
Total interest expense$3,388,000405
Net interest income$18,794,000608
Provision for loan and lease losses$1,625,000286
Total noninterest income$3,119,000968
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$446,0001,341
Trading account gains and fees$0157
Additional Noninterest Income$2,673,000786
Total noninterest expense$12,945,000802
Salaries and employee benefits$7,630,000764
Premises and equipment expense$1,449,000857
Additional noninterest expense$3,866,000853
Pre-tax net operating income$7,343,000653
Securities gains (losses)$295,000385
Applicable income taxes$2,591,000539
Income before extraordinary items$5,047,000728
Extraordinary gains, net$022
Net income$5,047,000727
Minority interest net income$075
Net income of bank and minority interests.$5,047,000728
Net charge-offs$450,000691
Cash dividends$03,664
Sale, conversion, retirement of capital stock, net$0751
Net operating income$4,852,300734
2015-03-31 (YTD Data)Rank
Total interest income$10,824,000589
Total interest expense$1,648,000414
Net interest income$9,176,000617
Provision for loan and lease losses$625,000323
Total noninterest income$1,125,0001,185
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$226,0001,296
Trading account gains and fees$0152
Additional Noninterest Income$899,0001,002
Total noninterest expense$6,534,000798
Salaries and employee benefits$3,927,000753
Premises and equipment expense$657,000947
Additional noninterest expense$1,950,000829
Pre-tax net operating income$3,142,000716
Securities gains (losses)$259,000289
Applicable income taxes$1,144,000571
Income before extraordinary items$2,257,000779
Extraordinary gains, net$013
Net income$2,257,000777
Minority interest net income$064
Net income of bank and minority interests.$2,257,000779
Net charge-offs$136,000923
Cash dividends$02,892
Sale, conversion, retirement of capital stock, net$0697
Net operating income$2,086,060814
2014-12-31 (YTD Data)Rank
Total interest income$40,047,000620
Total interest expense$6,494,000433
Net interest income$33,553,000656
Provision for loan and lease losses$4,175,000245
Total noninterest income$4,782,0001,135
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$923,0001,398
Trading account gains and fees$0180
Additional Noninterest Income$3,859,000921
Total noninterest expense$23,607,000853
Salaries and employee benefits$13,062,000840
Premises and equipment expense$2,661,000913
Additional noninterest expense$7,884,000824
Pre-tax net operating income$10,553,000787
Securities gains (losses)$230,000748
Applicable income taxes$3,348,000660
Income before extraordinary items$7,435,000891
Extraordinary gains, net$017
Net income$7,435,000890
Minority interest net income$084
Net income of bank and minority interests.$7,435,000890
Net charge-offs$2,636,000393
Cash dividends$400,0003,108
Sale, conversion, retirement of capital stock, net$0862
Net operating income$7,276,300896
2014-09-30 (YTD Data)Rank
Total interest income$29,457,000635
Total interest expense$4,866,000436
Net interest income$24,591,000669
Provision for loan and lease losses$3,275,000229
Total noninterest income$3,713,0001,114
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$689,0001,412
Trading account gains and fees$0174
Additional Noninterest Income$3,024,000894
Total noninterest expense$17,646,000853
Salaries and employee benefits$9,563,000858
Premises and equipment expense$2,194,000847
Additional noninterest expense$5,889,000831
Pre-tax net operating income$7,383,000852
Securities gains (losses)$230,000584
Applicable income taxes$2,363,000709
Income before extraordinary items$5,250,000953
Extraordinary gains, net$015
Net income$5,250,000952
Minority interest net income$081
Net income of bank and minority interests.$5,250,000952
Net charge-offs$2,183,000346
Cash dividends$400,0002,448
Sale, conversion, retirement of capital stock, net$0819
Net operating income$5,091,300954
2014-06-30 (YTD Data)Rank
Total interest income$19,180,000647
Total interest expense$3,228,000438
Net interest income$15,952,000682
Provision for loan and lease losses$1,950,000256
Total noninterest income$2,212,0001,189
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$444,0001,437
Trading account gains and fees$0172
Additional Noninterest Income$1,768,000981
Total noninterest expense$11,765,000850
Salaries and employee benefits$6,198,000881
Premises and equipment expense$1,428,000872
Additional noninterest expense$4,139,000793
Pre-tax net operating income$4,449,000922
Securities gains (losses)$230,000440
Applicable income taxes$1,525,000710
Income before extraordinary items$3,154,0001,021
Extraordinary gains, net$020
Net income$3,154,0001,021
Minority interest net income$080
Net income of bank and minority interests.$3,154,0001,022
Net charge-offs$1,060,000473
Cash dividends$100,0003,133
Sale, conversion, retirement of capital stock, net$0794
Net operating income$2,999,9001,052
2014-03-31 (YTD Data)Rank
Total interest income$9,368,000665
Total interest expense$1,607,000442
Net interest income$7,761,000706
Provision for loan and lease losses$1,000,000254
Total noninterest income$944,0001,303
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$213,0001,470
Trading account gains and fees$0147
Additional Noninterest Income$731,0001,089
Total noninterest expense$5,606,000898
Salaries and employee benefits$3,046,000915
Premises and equipment expense$713,000887
Additional noninterest expense$1,847,000862
Pre-tax net operating income$2,099,000937
Securities gains (losses)$01,715
Applicable income taxes$681,000735
Income before extraordinary items$1,418,0001,097
Extraordinary gains, net$016
Net income$1,418,0001,098
Minority interest net income$066
Net income of bank and minority interests.$1,418,0001,098
Net charge-offs$500,000501
Cash dividends$02,887
Sale, conversion, retirement of capital stock, net$0747
Net operating income$1,418,0001,078
2013-12-31 (YTD Data)Rank
Total interest income$36,217,000685
Total interest expense$6,681,000467
Net interest income$29,536,000721
Provision for loan and lease losses$3,475,000378
Total noninterest income$3,521,0001,445
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$878,0001,518
Trading account gains and fees$0184
Additional Noninterest Income$2,643,0001,253
Total noninterest expense$21,116,000969
Salaries and employee benefits$11,035,000973
Premises and equipment expense$2,999,000816
Additional noninterest expense$7,082,000956
Pre-tax net operating income$8,466,000911
Securities gains (losses)$03,182
Applicable income taxes$2,732,000712
Income before extraordinary items$5,734,0001,082
Extraordinary gains, net$029
Net income$5,734,0001,084
Minority interest net income$090
Net income of bank and minority interests.$5,734,0001,084
Net charge-offs$2,353,000665
Cash dividends$1,900,0001,257
Sale, conversion, retirement of capital stock, net$0924
Net operating income$5,734,0001,057
2013-09-30 (YTD Data)Rank
Total interest income$26,832,000701
Total interest expense$5,069,000478
Net interest income$21,763,000735
Provision for loan and lease losses$2,650,000378
Total noninterest income$2,706,0001,444
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$635,0001,576
Trading account gains and fees$0180
Additional Noninterest Income$2,071,0001,241
Total noninterest expense$15,649,000980
Salaries and employee benefits$8,196,000980
Premises and equipment expense$2,163,000850
Additional noninterest expense$5,290,000959
Pre-tax net operating income$6,170,000947
Securities gains (losses)$03,040
Applicable income taxes$2,044,000717
Income before extraordinary items$4,126,0001,128
Extraordinary gains, net$025
Net income$4,126,0001,130
Minority interest net income$084
Net income of bank and minority interests.$4,126,0001,130
Net charge-offs$1,925,000610
Cash dividends$1,700,000998
Sale, conversion, retirement of capital stock, net$0868
Net operating income$4,126,0001,102
2013-06-30 (YTD Data)Rank
Total interest income$17,701,000704
Total interest expense$3,434,000482
Net interest income$14,267,000742
Provision for loan and lease losses$1,875,000388
Total noninterest income$1,706,0001,515
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$428,0001,530
Trading account gains and fees$0157
Additional Noninterest Income$1,278,0001,329
Total noninterest expense$10,286,000987
Salaries and employee benefits$5,387,0001,007
Premises and equipment expense$1,422,000856
Additional noninterest expense$3,477,000958
Pre-tax net operating income$3,812,000993
Securities gains (losses)$02,791
Applicable income taxes$1,253,000774
Income before extraordinary items$2,559,0001,192
Extraordinary gains, net$022
Net income$2,559,0001,194
Minority interest net income$082
Net income of bank and minority interests.$2,559,0001,195
Net charge-offs$1,405,000594
Cash dividends$1,400,000837
Sale, conversion, retirement of capital stock, net$0838
Net operating income$2,559,0001,141
2013-03-31 (YTD Data)Rank
Total interest income$8,758,000716
Total interest expense$1,758,000487
Net interest income$7,000,000753
Provision for loan and lease losses$1,125,000345
Total noninterest income$846,0001,508
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$224,0001,462
Trading account gains and fees$0148
Additional Noninterest Income$622,0001,353
Total noninterest expense$5,091,0001,008
Salaries and employee benefits$2,662,0001,023
Premises and equipment expense$693,000896
Additional noninterest expense$1,736,000971
Pre-tax net operating income$1,630,0001,123
Securities gains (losses)$01,966
Applicable income taxes$520,000885
Income before extraordinary items$1,110,0001,342
Extraordinary gains, net$010
Net income$1,110,0001,343
Minority interest net income$076
Net income of bank and minority interests.$1,110,0001,344
Net charge-offs$848,000535
Cash dividends$700,000730
Sale, conversion, retirement of capital stock, net$0789
Net operating income$1,110,0001,292
2012-12-31 (YTD Data)Rank
Total interest income$34,801,000748
Total interest expense$8,297,000502
Net interest income$26,504,000809
Provision for loan and lease losses$4,550,000547
Total noninterest income$2,357,0001,946
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$767,0001,750
Trading account gains and fees$0166
Additional Noninterest Income$1,590,0001,793
Total noninterest expense$18,231,0001,099
Salaries and employee benefits$9,235,0001,143
Premises and equipment expense$2,418,000982
Additional noninterest expense$6,578,0001,058
Pre-tax net operating income$6,080,0001,168
Securities gains (losses)$363,0001,196
Applicable income taxes$2,087,000844
Income before extraordinary items$4,356,0001,355
Extraordinary gains, net$029
Net income$4,356,0001,356
Minority interest net income$093
Net income of bank and minority interests.$4,356,0001,356
Net charge-offs$4,384,000632
Cash dividends$900,0002,076
Sale, conversion, retirement of capital stock, net$-904,0007,053
Net operating income$4,109,1601,334
2012-09-30 (YTD Data)Rank
Total interest income$25,947,000764
Total interest expense$6,369,000513
Net interest income$19,578,000833
Provision for loan and lease losses$3,600,000529
Total noninterest income$1,714,0001,991
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$584,0001,751
Trading account gains and fees$0157
Additional Noninterest Income$1,130,0001,837
Total noninterest expense$13,490,0001,102
Salaries and employee benefits$6,809,0001,154
Premises and equipment expense$1,782,0001,005
Additional noninterest expense$4,899,0001,052
Pre-tax net operating income$4,202,0001,277
Securities gains (losses)$363,000958
Applicable income taxes$1,477,000925
Income before extraordinary items$3,088,0001,452
Extraordinary gains, net$020
Net income$3,088,0001,453
Minority interest net income$086
Net income of bank and minority interests.$3,088,0001,453
Net charge-offs$3,271,000635
Cash dividends$550,0001,931
Sale, conversion, retirement of capital stock, net$-904,0007,157
Net operating income$2,841,1601,468
2012-06-30 (YTD Data)Rank
Total interest income$17,133,000787
Total interest expense$4,394,000516
Net interest income$12,739,000851
Provision for loan and lease losses$2,475,000545
Total noninterest income$1,015,0002,134
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$353,0001,889
Trading account gains and fees$0153
Additional Noninterest Income$662,0001,981
Total noninterest expense$8,821,0001,127
Salaries and employee benefits$4,428,0001,179
Premises and equipment expense$1,173,0001,010
Additional noninterest expense$3,220,0001,073
Pre-tax net operating income$2,458,0001,413
Securities gains (losses)$68,0001,848
Applicable income taxes$793,0001,070
Income before extraordinary items$1,733,0001,680
Extraordinary gains, net$019
Net income$1,733,0001,678
Minority interest net income$084
Net income of bank and minority interests.$1,733,0001,680
Net charge-offs$2,269,000631
Cash dividends$550,0001,501
Sale, conversion, retirement of capital stock, net$0928
Net operating income$1,686,0801,629
2012-03-31 (YTD Data)Rank
Total interest income$8,583,000794
Total interest expense$2,332,000505
Net interest income$6,251,000868
Provision for loan and lease losses$1,200,000541
Total noninterest income$461,0002,272
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$181,0001,844
Trading account gains and fees$0148
Additional Noninterest Income$280,0002,199
Total noninterest expense$4,420,0001,130
Salaries and employee benefits$2,252,0001,154
Premises and equipment expense$571,0001,041
Additional noninterest expense$1,597,0001,068
Pre-tax net operating income$1,092,0001,558
Securities gains (losses)$72,0001,059
Applicable income taxes$360,0001,157
Income before extraordinary items$804,0001,787
Extraordinary gains, net$019
Net income$804,0001,788
Minority interest net income$078
Net income of bank and minority interests.$804,0001,788
Net charge-offs$929,000703
Cash dividends$250,0001,398
Sale, conversion, retirement of capital stock, net$0861
Net operating income$754,3201,777
2011-12-31 (YTD Data)Rank
Total interest income$35,247,000798
Total interest expense$11,505,000488
Net interest income$23,742,000922
Provision for loan and lease losses$5,270,000755
Total noninterest income$1,728,0002,229
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$638,0002,135
Trading account gains and fees$0146
Additional Noninterest Income$1,090,0002,020
Total noninterest expense$16,651,0001,184
Salaries and employee benefits$8,275,0001,202
Premises and equipment expense$2,231,0001,120
Additional noninterest expense$6,145,0001,144
Pre-tax net operating income$3,549,0001,576
Securities gains (losses)$-2,0006,752
Applicable income taxes$1,045,0001,306
Income before extraordinary items$2,502,0001,878
Extraordinary gains, net$029
Net income$2,502,0001,879
Minority interest net income$096
Net income of bank and minority interests.$2,502,0001,879
Net charge-offs$4,731,000840
Cash dividends$550,0002,322
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$2,503,4201,789
2011-09-30 (YTD Data)Rank
Total interest income$26,420,000816
Total interest expense$8,907,000494
Net interest income$17,513,000951
Provision for loan and lease losses$3,045,000923
Total noninterest income$773,0003,073
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$464,0002,195
Trading account gains and fees$0145
Additional Noninterest Income$309,0003,423
Total noninterest expense$12,415,0001,190
Salaries and employee benefits$6,300,0001,182
Premises and equipment expense$1,630,0001,161
Additional noninterest expense$4,485,0001,159
Pre-tax net operating income$2,826,0001,562
Securities gains (losses)$-10,0007,008
Applicable income taxes$863,0001,210
Income before extraordinary items$1,953,0001,875
Extraordinary gains, net$021
Net income$1,953,0001,875
Minority interest net income$087
Net income of bank and minority interests.$1,953,0001,875
Net charge-offs$2,680,0001,013
Cash dividends$250,0002,494
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$1,959,9001,776
2011-06-30 (YTD Data)Rank
Total interest income$17,542,000827
Total interest expense$6,116,000505
Net interest income$11,426,000970
Provision for loan and lease losses$1,375,0001,211
Total noninterest income$108,0005,754
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$296,0002,247
Trading account gains and fees$0153
Additional Noninterest Income$-188,0007,271
Total noninterest expense$8,147,0001,225
Salaries and employee benefits$4,092,0001,218
Premises and equipment expense$1,064,0001,205
Additional noninterest expense$2,991,0001,190
Pre-tax net operating income$2,012,0001,446
Securities gains (losses)$-25,0007,156
Applicable income taxes$619,0001,122
Income before extraordinary items$1,368,0001,750
Extraordinary gains, net$015
Net income$1,368,0001,750
Minority interest net income$089
Net income of bank and minority interests.$1,368,0001,750
Net charge-offs$1,042,0001,437
Cash dividends$03,374
Sale, conversion, retirement of capital stock, net$0986
Net operating income$1,385,2501,662
2011-03-31 (YTD Data)Rank
Total interest income$8,631,000846
Total interest expense$3,119,000516
Net interest income$5,512,0001,002
Provision for loan and lease losses$725,0001,103
Total noninterest income$39,0006,229
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$138,0002,345
Trading account gains and fees$0158
Additional Noninterest Income$-99,0007,364
Total noninterest expense$3,908,0001,277
Salaries and employee benefits$1,994,0001,258
Premises and equipment expense$526,0001,249
Additional noninterest expense$1,388,0001,272
Pre-tax net operating income$918,0001,566
Securities gains (losses)$01,772
Applicable income taxes$280,0001,181
Income before extraordinary items$638,0001,822
Extraordinary gains, net$09
Net income$638,0001,821
Minority interest net income$086
Net income of bank and minority interests.$638,0001,822
Net charge-offs$724,0001,057
Cash dividends$02,576
Sale, conversion, retirement of capital stock, net$0925
Net operating income$638,0001,771
2010-12-31 (YTD Data)Rank
Total interest income$35,629,000850
Total interest expense$14,877,000526
Net interest income$20,752,0001,077
Provision for loan and lease losses$5,610,0001,049
Total noninterest income$1,116,0003,039
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$583,0002,338
Trading account gains and fees$0175
Additional Noninterest Income$533,0003,090
Total noninterest expense$15,645,0001,279
Salaries and employee benefits$7,871,0001,252
Premises and equipment expense$2,087,0001,242
Additional noninterest expense$5,687,0001,296
Pre-tax net operating income$613,0004,121
Securities gains (losses)$1,156,000438
Applicable income taxes$426,0002,041
Income before extraordinary items$1,343,0002,688
Extraordinary gains, net$029
Net income$1,343,0002,684
Minority interest net income$0111
Net income of bank and minority interests.$1,343,0002,689
Net charge-offs$4,984,0001,019
Cash dividends$04,193
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$464,4404,276
2010-09-30 (YTD Data)Rank
Total interest income$26,869,000852
Total interest expense$11,528,000528
Net interest income$15,341,0001,092
Provision for loan and lease losses$4,975,000886
Total noninterest income$1,061,0002,619
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$444,0002,372
Trading account gains and fees$0165
Additional Noninterest Income$617,0002,442
Total noninterest expense$11,533,0001,284
Salaries and employee benefits$5,730,0001,293
Premises and equipment expense$1,611,0001,214
Additional noninterest expense$4,192,0001,290
Pre-tax net operating income$-106,0006,167
Securities gains (losses)$1,104,000377
Applicable income taxes$194,0002,586
Income before extraordinary items$804,0003,270
Extraordinary gains, net$023
Net income$804,0003,268
Minority interest net income$0110
Net income of bank and minority interests.$804,0003,270
Net charge-offs$4,324,000869
Cash dividends$03,702
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$-90,2406,187
2010-06-30 (YTD Data)Rank
Total interest income$17,855,000867
Total interest expense$7,875,000535
Net interest income$9,980,0001,131
Provision for loan and lease losses$3,700,000804
Total noninterest income$996,0002,060
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$288,0002,437
Trading account gains and fees$0152
Additional Noninterest Income$708,0001,663
Total noninterest expense$8,001,0001,239
Salaries and employee benefits$3,990,0001,226
Premises and equipment expense$1,089,0001,219
Additional noninterest expense$2,922,0001,216
Pre-tax net operating income$-725,0006,881
Securities gains (losses)$1,104,000239
Applicable income taxes$25,0003,662
Income before extraordinary items$354,0003,993
Extraordinary gains, net$019
Net income$354,0003,991
Minority interest net income$0105
Net income of bank and minority interests.$354,0003,992
Net charge-offs$3,107,000806
Cash dividends$03,476
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-672,7206,912
2010-03-31 (YTD Data)Rank
Total interest income$8,889,000888
Total interest expense$3,953,000570
Net interest income$4,936,0001,148
Provision for loan and lease losses$1,400,000933
Total noninterest income$523,0001,972
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$146,0002,396
Trading account gains and fees$0175
Additional Noninterest Income$377,0001,564
Total noninterest expense$3,949,0001,266
Salaries and employee benefits$1,990,0001,252
Premises and equipment expense$546,0001,251
Additional noninterest expense$1,413,0001,252
Pre-tax net operating income$110,0004,940
Securities gains (losses)$16,0001,584
Applicable income taxes$-13,0007,130
Income before extraordinary items$139,0004,513
Extraordinary gains, net$016
Net income$139,0004,513
Minority interest net income$091
Net income of bank and minority interests.$139,0004,512
Net charge-offs$1,223,000904
Cash dividends$02,646
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$123,0004,582
2009-12-31 (YTD Data)Rank
Total interest income$36,288,000933
Total interest expense$16,371,000698
Net interest income$19,917,0001,094
Provision for loan and lease losses$4,310,0001,587
Total noninterest income$1,695,0002,370
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$732,0002,168
Trading account gains and fees$0211
Additional Noninterest Income$963,0002,191
Total noninterest expense$14,935,0001,370
Salaries and employee benefits$7,426,0001,351
Premises and equipment expense$1,889,0001,438
Additional noninterest expense$5,620,0001,335
Pre-tax net operating income$2,367,0001,655
Securities gains (losses)$41,0002,739
Applicable income taxes$563,0001,435
Income before extraordinary items$1,845,0001,802
Extraordinary gains, net$034
Net income$1,845,0001,799
Minority interest net income$0115
Net income of bank and minority interests.$1,845,0001,801
Net charge-offs$3,556,0001,447
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$1,813,4301,790
2009-09-30 (YTD Data)Rank
Total interest income$27,177,000950
Total interest expense$12,406,000738
Net interest income$14,771,0001,115
Provision for loan and lease losses$2,810,0001,538
Total noninterest income$1,347,0002,335
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$551,0002,178
Trading account gains and fees$0212
Additional Noninterest Income$796,0002,135
Total noninterest expense$11,107,0001,377
Salaries and employee benefits$5,553,0001,369
Premises and equipment expense$1,306,0001,571
Additional noninterest expense$4,248,0001,287
Pre-tax net operating income$2,201,0001,478
Securities gains (losses)$34,0002,497
Applicable income taxes$634,0001,177
Income before extraordinary items$1,601,0001,672
Extraordinary gains, net$027
Net income$1,601,0001,671
Minority interest net income$0118
Net income of bank and minority interests.$1,601,0001,672
Net charge-offs$1,900,0001,552
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$1,576,5201,656
2009-06-30 (YTD Data)Rank
Total interest income$18,033,000970
Total interest expense$8,295,000780
Net interest income$9,738,0001,142
Provision for loan and lease losses$1,725,0001,542
Total noninterest income$878,0002,382
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$352,0002,232
Trading account gains and fees$0193
Additional Noninterest Income$526,0002,148
Total noninterest expense$7,334,0001,413
Salaries and employee benefits$3,678,0001,417
Premises and equipment expense$831,0001,669
Additional noninterest expense$2,825,0001,310
Pre-tax net operating income$1,557,0001,474
Securities gains (losses)$03,136
Applicable income taxes$475,0001,126
Income before extraordinary items$1,082,0001,725
Extraordinary gains, net$021
Net income$1,082,0001,722
Minority interest net income$0112
Net income of bank and minority interests.$1,082,0001,724
Net charge-offs$991,0001,635
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$1,082,0001,681
2009-03-31 (YTD Data)Rank
Total interest income$8,925,000993
Total interest expense$4,286,000781
Net interest income$4,639,0001,193
Provision for loan and lease losses$750,0001,392
Total noninterest income$387,0002,555
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$175,0002,191
Trading account gains and fees$0171
Additional Noninterest Income$212,0002,433
Total noninterest expense$3,387,0001,477
Salaries and employee benefits$1,829,0001,432
Premises and equipment expense$382,0001,850
Additional noninterest expense$1,176,0001,382
Pre-tax net operating income$889,0001,457
Securities gains (losses)$02,434
Applicable income taxes$274,0001,145
Income before extraordinary items$615,0001,755
Extraordinary gains, net$015
Net income$615,0001,756
Minority interest net income$0102
Net income of bank and minority interests.$615,0001,757
Net charge-offs$326,0001,702
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$615,0001,665
2008-12-31 (YTD Data)Rank
Total interest income$40,356,000926
Total interest expense$20,753,000756
Net interest income$19,603,0001,117
Provision for loan and lease losses$3,161,0001,337
Total noninterest income$-576,0008,241
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$653,0002,483
Trading account gains and fees$0154
Additional Noninterest Income$-1,229,0008,255
Total noninterest expense$12,218,0001,602
Salaries and employee benefits$6,560,0001,578
Premises and equipment expense$1,478,0001,852
Additional noninterest expense$4,180,0001,476
Pre-tax net operating income$3,648,0001,493
Securities gains (losses)$33,0001,871
Applicable income taxes$1,035,0001,172
Income before extraordinary items$2,646,0001,538
Extraordinary gains, net$039
Net income$2,646,0001,539
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,905,0001,335
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$2,622,2401,655
2008-09-30 (YTD Data)Rank
Total interest income$30,801,000938
Total interest expense$15,864,000777
Net interest income$14,937,0001,119
Provision for loan and lease losses$1,950,0001,211
Total noninterest income$-844,0008,343
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$468,0002,583
Trading account gains and fees$0148
Additional Noninterest Income$-1,312,0008,362
Total noninterest expense$9,156,0001,594
Salaries and employee benefits$4,976,0001,579
Premises and equipment expense$1,100,0001,855
Additional noninterest expense$3,080,0001,459
Pre-tax net operating income$2,987,0001,629
Securities gains (losses)$7,0002,502
Applicable income taxes$930,0001,225
Income before extraordinary items$2,064,0001,731
Extraordinary gains, net$031
Net income$2,064,0001,730
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,208,0001,153
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$2,059,1701,830
2008-06-30 (YTD Data)Rank
Total interest income$20,711,000944
Total interest expense$10,895,000781
Net interest income$9,816,0001,118
Provision for loan and lease losses$1,300,0001,034
Total noninterest income$623,0003,066
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$291,0002,704
Trading account gains and fees$0149
Additional Noninterest Income$332,0002,872
Total noninterest expense$6,141,0001,580
Salaries and employee benefits$3,413,0001,547
Premises and equipment expense$680,0001,996
Additional noninterest expense$2,048,0001,431
Pre-tax net operating income$2,998,0001,190
Securities gains (losses)$03,233
Applicable income taxes$986,000957
Income before extraordinary items$2,012,0001,379
Extraordinary gains, net$021
Net income$2,012,0001,380
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$588,0001,189
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$2,012,0001,348
2008-03-31 (YTD Data)Rank
Total interest income$10,381,000963
Total interest expense$5,618,000808
Net interest income$4,763,0001,147
Provision for loan and lease losses$600,000895
Total noninterest income$272,0003,330
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$149,0002,633
Trading account gains and fees$0158
Additional Noninterest Income$123,0003,399
Total noninterest expense$2,969,0001,637
Salaries and employee benefits$1,663,0001,595
Premises and equipment expense$340,0002,001
Additional noninterest expense$966,0001,496
Pre-tax net operating income$1,466,0001,291
Securities gains (losses)$02,688
Applicable income taxes$490,0001,027
Income before extraordinary items$976,0001,531
Extraordinary gains, net$015
Net income$976,0001,534
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$126,0001,602
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$976,0001,473
2007-12-31 (YTD Data)Rank
Total interest income$39,672,0001,063
Total interest expense$21,793,000904
Net interest income$17,879,0001,252
Provision for loan and lease losses$2,050,000828
Total noninterest income$792,0004,025
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$431,0003,379
Trading account gains and fees$0178
Additional Noninterest Income$361,0003,932
Total noninterest expense$10,853,0001,703
Salaries and employee benefits$5,856,0001,717
Premises and equipment expense$1,380,0001,891
Additional noninterest expense$3,617,0001,530
Pre-tax net operating income$5,768,0001,440
Securities gains (losses)$02,146
Applicable income taxes$1,876,0001,186
Income before extraordinary items$3,892,0001,640
Extraordinary gains, net$039
Net income$3,892,0001,639
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,249,000859
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$7,0001,257
Net operating income$3,892,0001,628
2007-09-30 (YTD Data)Rank
Total interest income$29,091,0001,093
Total interest expense$15,890,000934
Net interest income$13,201,0001,272
Provision for loan and lease losses$1,290,000725
Total noninterest income$563,0004,143
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$293,0003,558
Trading account gains and fees$0184
Additional Noninterest Income$270,0003,952
Total noninterest expense$8,101,0001,701
Salaries and employee benefits$4,365,0001,730
Premises and equipment expense$1,036,0001,882
Additional noninterest expense$2,700,0001,503
Pre-tax net operating income$4,373,0001,547
Securities gains (losses)$01,655
Applicable income taxes$1,278,0001,377
Income before extraordinary items$3,095,0001,631
Extraordinary gains, net$033
Net income$3,095,0001,630
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$792,000770
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$7,0001,090
Net operating income$3,095,0001,618
2007-06-30 (YTD Data)Rank
Total interest income$18,772,0001,150
Total interest expense$10,284,000970
Net interest income$8,488,0001,343
Provision for loan and lease losses$840,000674
Total noninterest income$356,0004,285
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$182,0003,700
Trading account gains and fees$0168
Additional Noninterest Income$174,0004,057
Total noninterest expense$5,317,0001,737
Salaries and employee benefits$2,859,0001,795
Premises and equipment expense$709,0001,848
Additional noninterest expense$1,749,0001,547
Pre-tax net operating income$2,687,0001,705
Securities gains (losses)$01,444
Applicable income taxes$799,0001,492
Income before extraordinary items$1,888,0001,839
Extraordinary gains, net$029
Net income$1,888,0001,839
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$495,000716
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$8,000980
Net operating income$1,888,0001,820
2007-03-31 (YTD Data)Rank
Total interest income$8,993,0001,180
Total interest expense$4,933,000998
Net interest income$4,060,0001,404
Provision for loan and lease losses$460,000560
Total noninterest income$186,0004,175
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$75,0004,035
Trading account gains and fees$0195
Additional Noninterest Income$111,0003,572
Total noninterest expense$2,502,0001,844
Salaries and employee benefits$1,384,0001,856
Premises and equipment expense$379,0001,756
Additional noninterest expense$739,0001,803
Pre-tax net operating income$1,284,0001,777
Securities gains (losses)$01,187
Applicable income taxes$452,0001,389
Income before extraordinary items$832,0001,994
Extraordinary gains, net$022
Net income$832,0001,994
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$57,0001,624
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$832,0001,982
2006-12-31 (YTD Data)Rank
Total interest income$31,030,0001,270
Total interest expense$15,632,0001,072
Net interest income$15,398,0001,482
Provision for loan and lease losses$1,650,000662
Total noninterest income$637,0004,585
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$259,0004,415
Trading account gains and fees$0130
Additional Noninterest Income$378,0003,833
Total noninterest expense$7,675,0002,311
Salaries and employee benefits$4,342,0002,251
Premises and equipment expense$788,0003,047
Additional noninterest expense$2,545,0002,071
Pre-tax net operating income$6,710,0001,453
Securities gains (losses)$01,687
Applicable income taxes$2,027,0001,316
Income before extraordinary items$4,683,0001,551
Extraordinary gains, net$051
Net income$4,683,0001,552
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,191,000594
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$4,683,0001,531
2006-09-30 (YTD Data)Rank
Total interest income$22,331,0001,315
Total interest expense$10,944,0001,121
Net interest income$11,387,0001,525
Provision for loan and lease losses$1,200,000648
Total noninterest income$427,0004,870
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$195,0004,446
Trading account gains and fees$0126
Additional Noninterest Income$232,0004,236
Total noninterest expense$5,635,0002,348
Salaries and employee benefits$3,162,0002,330
Premises and equipment expense$591,0003,049
Additional noninterest expense$1,882,0002,084
Pre-tax net operating income$4,979,0001,511
Securities gains (losses)$01,388
Applicable income taxes$1,574,0001,343
Income before extraordinary items$3,405,0001,633
Extraordinary gains, net$045
Net income$3,405,0001,634
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,070,000435
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$3,405,0001,613
2006-06-30 (YTD Data)Rank
Total interest income$14,174,0001,359
Total interest expense$6,754,0001,146
Net interest income$7,420,0001,550
Provision for loan and lease losses$800,000644
Total noninterest income$255,0005,103
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$128,0004,460
Trading account gains and fees$0126
Additional Noninterest Income$127,0004,635
Total noninterest expense$3,657,0002,420
Salaries and employee benefits$2,091,0002,351
Premises and equipment expense$397,0003,020
Additional noninterest expense$1,169,0002,224
Pre-tax net operating income$3,218,0001,555
Securities gains (losses)$01,185
Applicable income taxes$1,041,0001,359
Income before extraordinary items$2,177,0001,676
Extraordinary gains, net$039
Net income$2,177,0001,677
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,056,000324
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,177,0001,661
2006-03-31 (YTD Data)Rank
Total interest income$6,653,0001,423
Total interest expense$3,049,0001,210
Net interest income$3,604,0001,591
Provision for loan and lease losses$400,000608
Total noninterest income$129,0005,033
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$62,0004,465
Trading account gains and fees$0115
Additional Noninterest Income$67,0004,504
Total noninterest expense$1,832,0002,413
Salaries and employee benefits$1,034,0002,379
Premises and equipment expense$207,0002,939
Additional noninterest expense$591,0002,186
Pre-tax net operating income$1,501,0001,628
Securities gains (losses)$0955
Applicable income taxes$484,0001,436
Income before extraordinary items$1,017,0001,762
Extraordinary gains, net$021
Net income$1,017,0001,761
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$375,000402
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,017,0001,745
2005-12-31 (YTD Data)Rank
Total interest income$21,800,0001,535
Total interest expense$9,183,0001,236
Net interest income$12,617,0001,735
Provision for loan and lease losses$1,000,0001,040
Total noninterest income$695,0004,401
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$252,0004,559
Trading account gains and fees$0138
Additional Noninterest Income$443,0003,594
Total noninterest expense$6,350,0002,607
Salaries and employee benefits$3,340,0002,708
Premises and equipment expense$756,0003,037
Additional noninterest expense$2,254,0002,218
Pre-tax net operating income$5,962,0001,591
Securities gains (losses)$02,296
Applicable income taxes$1,541,0001,673
Income before extraordinary items$4,421,0001,587
Extraordinary gains, net$046
Net income$4,421,0001,586
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$227,0002,118
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$4,421,0001,563
2005-09-30 (YTD Data)Rank
Total interest income$15,580,0001,579
Total interest expense$6,492,0001,232
Net interest income$9,088,0001,799
Provision for loan and lease losses$835,000903
Total noninterest income$531,0004,373
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$195,0004,515
Trading account gains and fees$0126
Additional Noninterest Income$336,0003,594
Total noninterest expense$4,617,0002,649
Salaries and employee benefits$2,428,0002,742
Premises and equipment expense$554,0003,075
Additional noninterest expense$1,635,0002,255
Pre-tax net operating income$4,167,0001,702
Securities gains (losses)$02,317
Applicable income taxes$1,477,0001,397
Income before extraordinary items$2,690,0001,948
Extraordinary gains, net$035
Net income$2,690,0001,947
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-32,0008,325
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$2,690,0001,910
2005-06-30 (YTD Data)Rank
Total interest income$9,882,0001,620
Total interest expense$4,026,0001,238
Net interest income$5,856,0001,854
Provision for loan and lease losses$610,000808
Total noninterest income$360,0004,304
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$136,0004,370
Trading account gains and fees$0116
Additional Noninterest Income$224,0003,569
Total noninterest expense$3,033,0002,667
Salaries and employee benefits$1,591,0002,773
Premises and equipment expense$352,0003,175
Additional noninterest expense$1,090,0002,246
Pre-tax net operating income$2,573,0001,796
Securities gains (losses)$02,146
Applicable income taxes$908,0001,473
Income before extraordinary items$1,665,0002,031
Extraordinary gains, net$030
Net income$1,665,0002,030
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-50,0008,480
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$1,665,0001,997
2005-03-31 (YTD Data)Rank
Total interest income$4,614,0001,699
Total interest expense$1,815,0001,318
Net interest income$2,799,0001,921
Provision for loan and lease losses$345,000681
Total noninterest income$178,0004,283
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$74,0004,114
Trading account gains and fees$0115
Additional Noninterest Income$104,0003,652
Total noninterest expense$1,482,0002,743
Salaries and employee benefits$795,0002,781
Premises and equipment expense$156,0003,539
Additional noninterest expense$531,0002,295
Pre-tax net operating income$1,150,0001,939
Securities gains (losses)$01,685
Applicable income taxes$404,0001,591
Income before extraordinary items$746,0002,208
Extraordinary gains, net$024
Net income$746,0002,209
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-11,0008,027
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$746,0002,168
2004-12-31 (YTD Data)Rank
Total interest income$14,091,0002,006
Total interest expense$4,984,0001,643
Net interest income$9,107,0002,241
Provision for loan and lease losses$1,310,000819
Total noninterest income$635,0004,668
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$296,0004,347
Trading account gains and fees$0138
Additional Noninterest Income$339,0004,038
Total noninterest expense$4,851,0003,206
Salaries and employee benefits$2,497,0003,349
Premises and equipment expense$574,0003,666
Additional noninterest expense$1,780,0002,672
Pre-tax net operating income$3,581,0002,233
Securities gains (losses)$03,819
Applicable income taxes$1,234,0001,864
Income before extraordinary items$2,347,0002,550
Extraordinary gains, net$034
Net income$2,347,0002,553
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$297,0002,007
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$2,347,0002,500
2004-09-30 (YTD Data)Rank
Total interest income$9,871,0002,164
Total interest expense$3,435,0001,747
Net interest income$6,436,0002,346
Provision for loan and lease losses$1,025,000758
Total noninterest income$454,0004,805
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$212,0004,482
Trading account gains and fees$0134
Additional Noninterest Income$242,0004,117
Total noninterest expense$3,496,0003,300
Salaries and employee benefits$1,812,0003,410
Premises and equipment expense$423,0003,726
Additional noninterest expense$1,261,0002,790
Pre-tax net operating income$2,369,0002,506
Securities gains (losses)$03,710
Applicable income taxes$802,0002,099
Income before extraordinary items$1,567,0002,847
Extraordinary gains, net$026
Net income$1,567,0002,848
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$157,0002,214
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$1,567,0002,774
2004-06-30 (YTD Data)Rank
Total interest income$6,206,0002,261
Total interest expense$2,094,0001,887
Net interest income$4,112,0002,434
Provision for loan and lease losses$650,000778
Total noninterest income$299,0004,838
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$140,0004,495
Trading account gains and fees$0130
Additional Noninterest Income$159,0004,193
Total noninterest expense$2,313,0003,341
Salaries and employee benefits$1,200,0003,446
Premises and equipment expense$278,0003,769
Additional noninterest expense$835,0002,816
Pre-tax net operating income$1,448,0002,659
Securities gains (losses)$03,413
Applicable income taxes$491,0002,236
Income before extraordinary items$957,0003,043
Extraordinary gains, net$021
Net income$957,0003,043
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$178,0001,499
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$957,0002,960
2004-03-31 (YTD Data)Rank
Total interest income$2,993,0002,362
Total interest expense$964,0002,071
Net interest income$2,029,0002,461
Provision for loan and lease losses$350,000704
Total noninterest income$137,0005,004
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$67,0004,509
Trading account gains and fees$0121
Additional Noninterest Income$70,0004,441
Total noninterest expense$1,119,0003,443
Salaries and employee benefits$599,0003,461
Premises and equipment expense$135,0003,876
Additional noninterest expense$385,0003,015
Pre-tax net operating income$697,0002,719
Securities gains (losses)$02,934
Applicable income taxes$238,0002,268
Income before extraordinary items$459,0003,145
Extraordinary gains, net$016
Net income$459,0003,145
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0003,417
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$459,0003,027
2003-12-31 (YTD Data)Rank
Total interest income$9,893,0002,852
Total interest expense$3,437,0002,537
Net interest income$6,456,0002,982
Provision for loan and lease losses$939,0001,265
Total noninterest income$250,0006,948
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$252,0004,738
Trading account gains and fees$0160
Additional Noninterest Income$-2,0009,114
Total noninterest expense$3,962,0003,742
Salaries and employee benefits$1,983,0003,949
Premises and equipment expense$571,0003,668
Additional noninterest expense$1,408,0003,266
Pre-tax net operating income$1,805,0003,629
Securities gains (losses)$04,500
Applicable income taxes$617,0003,006
Income before extraordinary items$1,188,0004,163
Extraordinary gains, net$054
Net income$1,188,0004,167
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$169,0003,157
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,188,0003,998
2003-09-30 (YTD Data)Rank
Total interest income$7,168,0003,000
Total interest expense$2,571,0002,624
Net interest income$4,597,0003,133
Provision for loan and lease losses$655,0001,308
Total noninterest income$192,0006,958
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$191,0004,738
Trading account gains and fees$0153
Additional Noninterest Income$1,0009,071
Total noninterest expense$2,949,0003,750
Salaries and employee benefits$1,463,0004,003
Premises and equipment expense$430,0003,649
Additional noninterest expense$1,056,0003,228
Pre-tax net operating income$1,185,0004,108
Securities gains (losses)$04,204
Applicable income taxes$407,0003,380
Income before extraordinary items$778,0004,681
Extraordinary gains, net$040
Net income$778,0004,682
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$113,0003,051
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$778,0004,496
2003-06-30 (YTD Data)Rank
Total interest income$4,616,0003,105
Total interest expense$1,707,0002,702
Net interest income$2,909,0003,281
Provision for loan and lease losses$402,0001,381
Total noninterest income$134,0006,855
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$123,0004,793
Trading account gains and fees$0150
Additional Noninterest Income$11,0008,392
Total noninterest expense$1,956,0003,770
Salaries and employee benefits$968,0004,019
Premises and equipment expense$292,0003,586
Additional noninterest expense$696,0003,249
Pre-tax net operating income$685,0004,487
Securities gains (losses)$03,782
Applicable income taxes$243,0003,605
Income before extraordinary items$442,0005,135
Extraordinary gains, net$030
Net income$442,0005,135
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0005,202
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$442,0004,931
2003-03-31 (YTD Data)Rank
Total interest income$2,274,0003,153
Total interest expense$873,0002,711
Net interest income$1,401,0003,364
Provision for loan and lease losses$287,0001,000
Total noninterest income$104,0005,817
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$60,0004,759
Trading account gains and fees$0134
Additional Noninterest Income$44,0005,509
Total noninterest expense$930,0003,891
Salaries and employee benefits$479,0004,033
Premises and equipment expense$158,0003,343
Additional noninterest expense$293,0003,718
Pre-tax net operating income$288,0004,894
Securities gains (losses)$02,891
Applicable income taxes$102,0003,894
Income before extraordinary items$186,0005,500
Extraordinary gains, net$021
Net income$186,0005,498
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0004,508
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$186,0005,303
2002-12-31 (YTD Data)Rank
Total interest income$8,298,0003,545
Total interest expense$3,473,0003,128
Net interest income$4,825,0003,771
Provision for loan and lease losses$1,022,0001,325
Total noninterest income$375,0005,938
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$183,0005,416
Trading account gains and fees$0153
Additional Noninterest Income$192,0005,118
Total noninterest expense$3,406,0004,057
Salaries and employee benefits$1,769,0004,147
Premises and equipment expense$543,0003,710
Additional noninterest expense$1,094,0003,902
Pre-tax net operating income$772,0005,856
Securities gains (losses)$04,537
Applicable income taxes$07,681
Income before extraordinary items$772,0005,301
Extraordinary gains, net$070
Net income$772,0005,300
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$418,0001,876
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$772,0005,162
2001-12-31 (YTD Data)Rank
Total interest income$6,384,0004,742
Total interest expense$3,403,0004,296
Net interest income$2,981,0005,102
Provision for loan and lease losses$539,0002,090
Total noninterest income$210,0007,211
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$94,0006,690
Trading account gains and fees$0177
Additional Noninterest Income$116,0006,082
Total noninterest expense$2,842,0004,523
Salaries and employee benefits$1,481,0004,559
Premises and equipment expense$487,0003,968
Additional noninterest expense$874,0004,491
Pre-tax net operating income$-190,0008,957
Securities gains (losses)$04,612
Applicable income taxes$-22,0009,065
Income before extraordinary items$-168,0009,019
Extraordinary gains, net$0105
Net income$-168,0009,021
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,017
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-168,0008,962
2000-12-31 (YTD Data)Rank
Total interest income$3,160,0007,242
Total interest expense$1,640,0006,876
Net interest income$1,520,0007,436
Provision for loan and lease losses$600,0001,605
Total noninterest income$46,0009,389
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$36,0007,956
Trading account gains and feesNANA
Additional Noninterest Income$10,0009,421
Total noninterest expense$1,780,0006,099
Salaries and employee benefits$991,0005,950
Premises and equipment expense$251,0006,034
Additional noninterest expense$538,0006,141
Pre-tax net operating income$-814,0009,670
Securities gains (losses)$01,956
Applicable income taxes$-38,0009,451
Income before extraordinary items$-776,0009,678
Extraordinary gains, net$038
Net income$-776,0009,677
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$8,991,00082
Net operating income$-776,0009,677

* 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.