Home > The Farmers Bank > Income and Expense

The Farmers Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$44,800,0001,026
Total interest expense$8,513,0001,440
Net interest income$36,287,000871
Provision for loan and lease losses$360,0001,508
Total noninterest income$6,690,000983
Gross Fiduciary activities income$0981
Service charges on deposit accounts$1,904,000585
Trading account gains and feesNANA
Additional Noninterest Income$4,786,000904
Total noninterest expense$23,720,0001,059
Salaries and employee benefits$14,427,000996
Premises and equipment expense$2,531,000995
Additional noninterest expense$4,786,000904
Pre-tax net operating income$18,897,000713
Securities gains (losses)$0988
Applicable income taxes$4,386,000589
Income before extraordinary items$14,511,000761
Extraordinary gains, net$054
Net income$14,511,000772
Minority interest net income$088
Net income of bank and minority interests.$14,511,000764
Net charge-offs$838,000585
Cash dividends$3,552,0001,037
Sale, conversion, retirement of capital stock, net$0540
Net operating income$14,511,000767
2023-09-30 (YTD Data)Rank
Total interest income$33,264,0001,011
Total interest expense$5,955,0001,413
Net interest income$27,309,000879
Provision for loan and lease losses$45,0002,529
Total noninterest income$5,248,000968
Gross Fiduciary activities income$0950
Service charges on deposit accounts$1,479,000561
Trading account gains and feesNANA
Additional Noninterest Income$3,769,000892
Total noninterest expense$17,944,0001,048
Salaries and employee benefits$10,961,000986
Premises and equipment expense$1,921,000990
Additional noninterest expense$3,769,000892
Pre-tax net operating income$14,568,000724
Securities gains (losses)$0849
Applicable income taxes$3,404,000601
Income before extraordinary items$11,164,000764
Extraordinary gains, net$052
Net income$11,164,000768
Minority interest net income$081
Net income of bank and minority interests.$11,164,000764
Net charge-offs$652,000507
Cash dividends$2,664,000962
Sale, conversion, retirement of capital stock, net$0507
Net operating income$11,164,000777
2023-06-30 (YTD Data)Rank
Total interest income$21,885,000990
Total interest expense$3,610,0001,383
Net interest income$18,275,000881
Provision for loan and lease losses$32,0002,422
Total noninterest income$2,975,0001,006
Gross Fiduciary activities income$0931
Service charges on deposit accounts$974,000557
Trading account gains and feesNANA
Additional Noninterest Income$2,001,000968
Total noninterest expense$11,723,0001,056
Salaries and employee benefits$7,142,000997
Premises and equipment expense$1,269,000986
Additional noninterest expense$2,001,000967
Pre-tax net operating income$9,495,000729
Securities gains (losses)$0938
Applicable income taxes$2,209,000616
Income before extraordinary items$7,286,000769
Extraordinary gains, net$051
Net income$7,286,000781
Minority interest net income$081
Net income of bank and minority interests.$7,286,000769
Net charge-offs$674,000372
Cash dividends$1,776,000969
Sale, conversion, retirement of capital stock, net$0486
Net operating income$7,286,000779
2023-03-31 (YTD Data)Rank
Total interest income$10,739,000997
Total interest expense$1,402,0001,496
Net interest income$9,337,000880
Provision for loan and lease losses$18,0002,162
Total noninterest income$1,404,0001,051
Gross Fiduciary activities income$0913
Service charges on deposit accounts$488,000566
Trading account gains and feesNANA
Additional Noninterest Income$916,0001,037
Total noninterest expense$5,802,0001,080
Salaries and employee benefits$3,637,0001,010
Premises and equipment expense$624,0001,030
Additional noninterest expense$916,0001,037
Pre-tax net operating income$4,921,000732
Securities gains (losses)$0950
Applicable income taxes$1,145,000615
Income before extraordinary items$3,776,000773
Extraordinary gains, net$04
Net income$3,776,000772
Minority interest net income$048
Net income of bank and minority interests.$3,776,000772
Net charge-offs$482,000282
Cash dividends$888,000897
Sale, conversion, retirement of capital stock, net$0430
Net operating income$3,776,000786
2022-12-31 (YTD Data)Rank
Total interest income$37,368,000943
Total interest expense$2,051,0001,573
Net interest income$35,317,000888
Provision for loan and lease losses$580,0001,146
Total noninterest income$6,374,0001,021
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$2,033,000565
Trading account gains and feesNANA
Additional Noninterest Income$4,341,000997
Total noninterest expense$22,511,0001,085
Salaries and employee benefits$13,780,0001,024
Premises and equipment expense$2,444,0001,022
Additional noninterest expense$4,341,000997
Pre-tax net operating income$18,600,000800
Securities gains (losses)$9,000448
Applicable income taxes$4,321,000659
Income before extraordinary items$14,288,000832
Extraordinary gains, net$05
Net income$14,288,000833
Minority interest net income$063
Net income of bank and minority interests.$14,288,000833
Net charge-offs$101,0001,217
Cash dividends$3,120,0001,107
Sale, conversion, retirement of capital stock, net$0568
Net operating income$14,280,890852
2022-09-30 (YTD Data)Rank
Total interest income$27,291,000935
Total interest expense$1,426,0001,376
Net interest income$25,865,000895
Provision for loan and lease losses$60,0002,156
Total noninterest income$4,792,0001,031
Gross Fiduciary activities income$0968
Service charges on deposit accounts$1,527,000570
Trading account gains and feesNANA
Additional Noninterest Income$3,265,0001,003
Total noninterest expense$17,142,0001,062
Salaries and employee benefits$10,826,000989
Premises and equipment expense$1,808,0001,026
Additional noninterest expense$3,265,0001,003
Pre-tax net operating income$13,455,000827
Securities gains (losses)$9,000447
Applicable income taxes$3,138,000670
Income before extraordinary items$10,326,000865
Extraordinary gains, net$04
Net income$10,326,000865
Minority interest net income$057
Net income of bank and minority interests.$10,326,000865
Net charge-offs$59,0001,141
Cash dividends$2,340,0001,010
Sale, conversion, retirement of capital stock, net$0519
Net operating income$10,318,890886
2022-06-30 (YTD Data)Rank
Total interest income$17,569,000925
Total interest expense$982,0001,153
Net interest income$16,587,000905
Provision for loan and lease losses$35,0002,046
Total noninterest income$3,263,0001,010
Gross Fiduciary activities income$0925
Service charges on deposit accounts$995,000576
Trading account gains and feesNANA
Additional Noninterest Income$2,268,0001,004
Total noninterest expense$11,235,0001,067
Salaries and employee benefits$7,114,000991
Premises and equipment expense$1,174,0001,044
Additional noninterest expense$2,947,0001,170
Pre-tax net operating income$8,580,000815
Securities gains (losses)$9,000405
Applicable income taxes$1,991,000660
Income before extraordinary items$6,598,000856
Extraordinary gains, net$04
Net income$6,598,000856
Minority interest net income$060
Net income of bank and minority interests.$6,598,000856
Net charge-offs$-16,0003,814
Cash dividends$1,560,0001,006
Sale, conversion, retirement of capital stock, net$0494
Net operating income$6,590,890870
2022-03-31 (YTD Data)Rank
Total interest income$8,522,000934
Total interest expense$506,0001,085
Net interest income$8,016,000913
Provision for loan and lease losses$20,0001,778
Total noninterest income$1,494,0001,063
Gross Fiduciary activities income$0892
Service charges on deposit accounts$490,000580
Trading account gains and feesNANA
Additional Noninterest Income$1,004,0001,082
Total noninterest expense$5,541,0001,084
Salaries and employee benefits$3,551,0001,000
Premises and equipment expense$589,0001,054
Additional noninterest expense$1,401,0001,208
Pre-tax net operating income$3,949,000832
Securities gains (losses)$8,000410
Applicable income taxes$907,000685
Income before extraordinary items$3,050,000877
Extraordinary gains, net$04
Net income$3,050,000876
Minority interest net income$050
Net income of bank and minority interests.$3,050,000877
Net charge-offs$19,000973
Cash dividends$780,000900
Sale, conversion, retirement of capital stock, net$0453
Net operating income$3,043,680891
2021-12-31 (YTD Data)Rank
Total interest income$33,178,000968
Total interest expense$2,445,0001,111
Net interest income$30,733,000951
Provision for loan and lease losses$30,0002,737
Total noninterest income$7,046,0001,065
Gross Fiduciary activities income$0994
Service charges on deposit accounts$1,811,000578
Trading account gains and feesNANA
Additional Noninterest Income$5,235,0001,039
Total noninterest expense$22,847,0001,057
Salaries and employee benefits$14,798,000947
Premises and equipment expense$2,290,0001,077
Additional noninterest expense$5,759,0001,175
Pre-tax net operating income$14,902,000939
Securities gains (losses)$95,000889
Applicable income taxes$3,411,000795
Income before extraordinary items$11,586,0001,024
Extraordinary gains, net$010
Net income$11,586,0001,025
Minority interest net income$074
Net income of bank and minority interests.$11,586,0001,025
Net charge-offs$-43,0004,078
Cash dividends$2,880,0001,214
Sale, conversion, retirement of capital stock, net$0582
Net operating income$11,510,9501,017
2021-09-30 (YTD Data)Rank
Total interest income$24,648,000992
Total interest expense$1,894,0001,135
Net interest income$22,754,000977
Provision for loan and lease losses$5,0002,896
Total noninterest income$5,278,0001,081
Gross Fiduciary activities income$0957
Service charges on deposit accounts$1,317,000592
Trading account gains and feesNANA
Additional Noninterest Income$3,961,0001,061
Total noninterest expense$16,935,0001,069
Salaries and employee benefits$11,077,000959
Premises and equipment expense$1,694,0001,098
Additional noninterest expense$4,164,0001,207
Pre-tax net operating income$11,092,000980
Securities gains (losses)$81,000884
Applicable income taxes$2,546,000825
Income before extraordinary items$8,627,0001,069
Extraordinary gains, net$08
Net income$8,627,0001,070
Minority interest net income$069
Net income of bank and minority interests.$8,627,0001,070
Net charge-offs$-37,0004,103
Cash dividends$2,160,0001,104
Sale, conversion, retirement of capital stock, net$0543
Net operating income$8,563,0101,057
2021-06-30 (YTD Data)Rank
Total interest income$16,282,000985
Total interest expense$1,320,0001,130
Net interest income$14,962,000972
Provision for loan and lease losses$02,862
Total noninterest income$3,489,0001,081
Gross Fiduciary activities income$0951
Service charges on deposit accounts$850,000590
Trading account gains and feesNANA
Additional Noninterest Income$2,639,0001,070
Total noninterest expense$11,249,0001,067
Salaries and employee benefits$7,450,000940
Premises and equipment expense$1,122,0001,096
Additional noninterest expense$2,677,0001,236
Pre-tax net operating income$7,202,0001,003
Securities gains (losses)$81,000736
Applicable income taxes$1,641,000847
Income before extraordinary items$5,642,0001,081
Extraordinary gains, net$06
Net income$5,642,0001,082
Minority interest net income$067
Net income of bank and minority interests.$5,642,0001,082
Net charge-offs$-171,0004,722
Cash dividends$1,440,0001,091
Sale, conversion, retirement of capital stock, net$0517
Net operating income$5,578,0101,073
2021-03-31 (YTD Data)Rank
Total interest income$8,088,000982
Total interest expense$709,0001,121
Net interest income$7,379,000969
Provision for loan and lease losses$02,741
Total noninterest income$1,734,0001,092
Gross Fiduciary activities income$0922
Service charges on deposit accounts$436,000578
Trading account gains and feesNANA
Additional Noninterest Income$1,298,0001,068
Total noninterest expense$5,536,0001,065
Salaries and employee benefits$3,673,000943
Premises and equipment expense$552,0001,123
Additional noninterest expense$1,311,0001,246
Pre-tax net operating income$3,577,0001,005
Securities gains (losses)$78,000536
Applicable income taxes$819,000838
Income before extraordinary items$2,836,0001,078
Extraordinary gains, net$03
Net income$2,836,0001,078
Minority interest net income$055
Net income of bank and minority interests.$2,836,0001,078
Net charge-offs$-172,0004,850
Cash dividends$720,000959
Sale, conversion, retirement of capital stock, net$0482
Net operating income$2,774,3801,058
2020-12-31 (YTD Data)Rank
Total interest income$33,447,000968
Total interest expense$4,840,000984
Net interest income$28,607,000947
Provision for loan and lease losses$480,0002,282
Total noninterest income$6,654,0001,059
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$2,005,000524
Trading account gains and feesNANA
Additional Noninterest Income$4,649,0001,073
Total noninterest expense$21,614,0001,050
Salaries and employee benefits$13,933,000963
Premises and equipment expense$2,263,0001,062
Additional noninterest expense$5,418,0001,193
Pre-tax net operating income$13,167,000843
Securities gains (losses)$27,0001,983
Applicable income taxes$2,843,000726
Income before extraordinary items$10,351,000928
Extraordinary gains, net$04
Net income$10,351,000928
Minority interest net income$072
Net income of bank and minority interests.$10,351,000928
Net charge-offs$103,0001,985
Cash dividends$2,506,0001,285
Sale, conversion, retirement of capital stock, net$0566
Net operating income$10,329,670890
2020-09-30 (YTD Data)Rank
Total interest income$25,242,000966
Total interest expense$3,942,000975
Net interest income$21,300,000946
Provision for loan and lease losses$480,0002,006
Total noninterest income$4,896,0001,036
Gross Fiduciary activities income$0981
Service charges on deposit accounts$1,495,000518
Trading account gains and feesNANA
Additional Noninterest Income$3,401,0001,053
Total noninterest expense$16,193,0001,042
Salaries and employee benefits$10,474,000946
Premises and equipment expense$1,708,0001,052
Additional noninterest expense$4,011,0001,179
Pre-tax net operating income$9,523,000836
Securities gains (losses)$15,0002,008
Applicable income taxes$2,123,000695
Income before extraordinary items$7,415,000928
Extraordinary gains, net$04
Net income$7,415,000928
Minority interest net income$065
Net income of bank and minority interests.$7,415,000928
Net charge-offs$51,0002,047
Cash dividends$1,879,0001,168
Sale, conversion, retirement of capital stock, net$0532
Net operating income$7,403,150898
2020-06-30 (YTD Data)Rank
Total interest income$17,019,000970
Total interest expense$2,860,000956
Net interest income$14,159,000956
Provision for loan and lease losses$280,0002,125
Total noninterest income$3,006,0001,041
Gross Fiduciary activities income$0970
Service charges on deposit accounts$1,027,000509
Trading account gains and feesNANA
Additional Noninterest Income$1,979,0001,098
Total noninterest expense$10,816,0001,029
Salaries and employee benefits$6,995,000941
Premises and equipment expense$1,104,0001,075
Additional noninterest expense$2,717,0001,158
Pre-tax net operating income$6,069,000800
Securities gains (losses)$13,0001,801
Applicable income taxes$1,340,000661
Income before extraordinary items$4,742,000892
Extraordinary gains, net$04
Net income$4,742,000892
Minority interest net income$065
Net income of bank and minority interests.$4,742,000892
Net charge-offs$16,0002,286
Cash dividends$1,253,0001,118
Sale, conversion, retirement of capital stock, net$0504
Net operating income$4,731,730870
2020-03-31 (YTD Data)Rank
Total interest income$8,544,000970
Total interest expense$1,585,000961
Net interest income$6,959,000960
Provision for loan and lease losses$173,0001,557
Total noninterest income$1,552,000969
Gross Fiduciary activities income$0941
Service charges on deposit accounts$613,000506
Trading account gains and feesNANA
Additional Noninterest Income$939,0001,013
Total noninterest expense$5,340,0001,046
Salaries and employee benefits$3,440,000949
Premises and equipment expense$531,0001,128
Additional noninterest expense$1,369,0001,171
Pre-tax net operating income$2,998,000737
Securities gains (losses)$13,0001,249
Applicable income taxes$656,000616
Income before extraordinary items$2,355,000810
Extraordinary gains, net$04
Net income$2,355,000810
Minority interest net income$056
Net income of bank and minority interests.$2,355,000810
Net charge-offs$32,0001,402
Cash dividends$626,0001,107
Sale, conversion, retirement of capital stock, net$0482
Net operating income$2,344,730801
2019-12-31 (YTD Data)Rank
Total interest income$33,541,000989
Total interest expense$7,406,000886
Net interest income$26,135,0001,009
Provision for loan and lease losses$210,0002,300
Total noninterest income$6,494,000946
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$2,723,000468
Trading account gains and feesNANA
Additional Noninterest Income$3,771,0001,012
Total noninterest expense$20,287,0001,075
Salaries and employee benefits$13,150,000965
Premises and equipment expense$2,256,0001,062
Additional noninterest expense$4,881,0001,277
Pre-tax net operating income$12,132,000894
Securities gains (losses)$45,0001,280
Applicable income taxes$2,684,000746
Income before extraordinary items$9,493,000974
Extraordinary gains, net$011
Net income$9,493,000975
Minority interest net income$076
Net income of bank and minority interests.$9,493,000975
Net charge-offs$75,0002,391
Cash dividends$2,400,0001,412
Sale, conversion, retirement of capital stock, net$0626
Net operating income$9,457,450967
2019-09-30 (YTD Data)Rank
Total interest income$24,999,000995
Total interest expense$5,631,000883
Net interest income$19,368,0001,027
Provision for loan and lease losses$172,0002,142
Total noninterest income$4,827,000939
Gross Fiduciary activities income$01,014
Service charges on deposit accounts$2,038,000459
Trading account gains and feesNANA
Additional Noninterest Income$2,789,0001,007
Total noninterest expense$15,064,0001,082
Salaries and employee benefits$9,828,000971
Premises and equipment expense$1,614,0001,111
Additional noninterest expense$3,622,0001,284
Pre-tax net operating income$8,959,000923
Securities gains (losses)$42,0001,129
Applicable income taxes$1,969,000774
Income before extraordinary items$7,032,0001,004
Extraordinary gains, net$011
Net income$7,032,0001,005
Minority interest net income$072
Net income of bank and minority interests.$7,032,0001,005
Net charge-offs$20,0002,707
Cash dividends$1,800,0001,287
Sale, conversion, retirement of capital stock, net$0590
Net operating income$6,998,820988
2019-06-30 (YTD Data)Rank
Total interest income$16,547,000992
Total interest expense$3,757,000869
Net interest income$12,790,0001,027
Provision for loan and lease losses$145,0001,897
Total noninterest income$3,171,000942
Gross Fiduciary activities income$01,004
Service charges on deposit accounts$1,328,000468
Trading account gains and feesNANA
Additional Noninterest Income$1,843,000983
Total noninterest expense$10,012,0001,082
Salaries and employee benefits$6,521,000965
Premises and equipment expense$1,042,0001,137
Additional noninterest expense$2,449,0001,290
Pre-tax net operating income$5,804,000924
Securities gains (losses)$21,0001,032
Applicable income taxes$1,262,000772
Income before extraordinary items$4,563,000995
Extraordinary gains, net$011
Net income$4,563,000995
Minority interest net income$069
Net income of bank and minority interests.$4,563,000995
Net charge-offs$-11,0004,508
Cash dividends$1,200,0001,279
Sale, conversion, retirement of capital stock, net$0573
Net operating income$4,546,410982
2019-03-31 (YTD Data)Rank
Total interest income$8,155,0001,002
Total interest expense$1,832,000861
Net interest income$6,323,0001,043
Provision for loan and lease losses$115,0001,379
Total noninterest income$1,581,000908
Gross Fiduciary activities income$0972
Service charges on deposit accounts$651,000471
Trading account gains and feesNANA
Additional Noninterest Income$930,000943
Total noninterest expense$4,938,0001,086
Salaries and employee benefits$3,204,000981
Premises and equipment expense$493,0001,210
Additional noninterest expense$1,241,0001,256
Pre-tax net operating income$2,851,000906
Securities gains (losses)$18,000594
Applicable income taxes$614,000769
Income before extraordinary items$2,255,000980
Extraordinary gains, net$05
Net income$2,255,000979
Minority interest net income$052
Net income of bank and minority interests.$2,255,000979
Net charge-offs$14,0001,843
Cash dividends$600,0001,170
Sale, conversion, retirement of capital stock, net$0529
Net operating income$2,240,780967
2018-12-31 (YTD Data)Rank
Total interest income$30,909,000995
Total interest expense$4,451,0001,034
Net interest income$26,458,000986
Provision for loan and lease losses$870,000997
Total noninterest income$5,646,0001,008
Gross Fiduciary activities income$01,098
Service charges on deposit accounts$2,372,000541
Trading account gains and feesNANA
Additional Noninterest Income$3,274,0001,072
Total noninterest expense$19,764,0001,076
Salaries and employee benefits$12,767,000960
Premises and equipment expense$1,944,0001,209
Additional noninterest expense$5,053,0001,220
Pre-tax net operating income$11,470,000930
Securities gains (losses)$63,000389
Applicable income taxes$2,432,000760
Income before extraordinary items$9,101,000991
Extraordinary gains, net$06
Net income$9,101,000990
Minority interest net income$072
Net income of bank and minority interests.$9,101,000990
Net charge-offs$668,000801
Cash dividends$2,556,0001,234
Sale, conversion, retirement of capital stock, net$0671
Net operating income$9,051,230995
2018-09-30 (YTD Data)Rank
Total interest income$22,818,000999
Total interest expense$2,949,0001,082
Net interest income$19,869,000983
Provision for loan and lease losses$392,0001,355
Total noninterest income$4,312,0001,003
Gross Fiduciary activities income$01,048
Service charges on deposit accounts$1,957,000488
Trading account gains and feesNANA
Additional Noninterest Income$2,355,0001,127
Total noninterest expense$14,775,0001,083
Salaries and employee benefits$9,538,000966
Premises and equipment expense$1,454,0001,206
Additional noninterest expense$3,783,0001,233
Pre-tax net operating income$9,014,000910
Securities gains (losses)$63,000380
Applicable income taxes$1,920,000747
Income before extraordinary items$7,157,000963
Extraordinary gains, net$05
Net income$7,157,000962
Minority interest net income$066
Net income of bank and minority interests.$7,157,000962
Net charge-offs$436,000779
Cash dividends$1,917,0001,122
Sale, conversion, retirement of capital stock, net$0633
Net operating income$7,107,230961
2018-06-30 (YTD Data)Rank
Total interest income$14,900,0001,006
Total interest expense$1,799,0001,110
Net interest income$13,101,000991
Provision for loan and lease losses$47,0002,882
Total noninterest income$2,821,0001,018
Gross Fiduciary activities income$01,037
Service charges on deposit accounts$1,287,000489
Trading account gains and feesNANA
Additional Noninterest Income$1,534,0001,141
Total noninterest expense$9,847,0001,077
Salaries and employee benefits$6,348,000967
Premises and equipment expense$934,0001,252
Additional noninterest expense$2,565,0001,218
Pre-tax net operating income$6,028,000890
Securities gains (losses)$12,000565
Applicable income taxes$1,272,000742
Income before extraordinary items$4,768,000953
Extraordinary gains, net$06
Net income$4,768,000951
Minority interest net income$065
Net income of bank and minority interests.$4,768,000952
Net charge-offs$273,000779
Cash dividends$1,278,0001,103
Sale, conversion, retirement of capital stock, net$0620
Net operating income$4,758,520946
2018-03-31 (YTD Data)Rank
Total interest income$7,222,0001,024
Total interest expense$848,0001,112
Net interest income$6,374,0001,007
Provision for loan and lease losses$22,0002,757
Total noninterest income$1,358,0001,036
Gross Fiduciary activities income$01,003
Service charges on deposit accounts$645,000497
Trading account gains and feesNANA
Additional Noninterest Income$713,0001,185
Total noninterest expense$4,822,0001,101
Salaries and employee benefits$3,125,000990
Premises and equipment expense$470,0001,268
Additional noninterest expense$1,227,0001,258
Pre-tax net operating income$2,888,000891
Securities gains (losses)$-11,0005,228
Applicable income taxes$592,000759
Income before extraordinary items$2,285,000958
Extraordinary gains, net$07
Net income$2,285,000958
Minority interest net income$052
Net income of bank and minority interests.$2,285,000958
Net charge-offs$120,000767
Cash dividends$639,0001,005
Sale, conversion, retirement of capital stock, net$0580
Net operating income$2,293,690943
2017-12-31 (YTD Data)Rank
Total interest income$27,724,0001,032
Total interest expense$2,862,0001,129
Net interest income$24,862,0001,011
Provision for loan and lease losses$118,0002,930
Total noninterest income$5,756,0001,020
Gross Fiduciary activities income$01,137
Service charges on deposit accounts$2,515,000507
Trading account gains and feesNANA
Additional Noninterest Income$3,241,0001,105
Total noninterest expense$18,909,0001,106
Salaries and employee benefits$12,140,000988
Premises and equipment expense$1,895,0001,225
Additional noninterest expense$4,874,0001,274
Pre-tax net operating income$11,591,000876
Securities gains (losses)$11,0001,559
Applicable income taxes$4,277,000738
Income before extraordinary items$7,325,000981
Extraordinary gains, net$09
Net income$7,325,000981
Minority interest net income$076
Net income of bank and minority interests.$7,325,000981
Net charge-offs$496,0001,098
Cash dividends$2,544,0001,165
Sale, conversion, retirement of capital stock, net$0711
Net operating income$7,317,960971
2017-09-30 (YTD Data)Rank
Total interest income$20,651,0001,038
Total interest expense$2,046,0001,161
Net interest income$18,605,0001,014
Provision for loan and lease losses$85,0002,864
Total noninterest income$4,262,0001,042
Gross Fiduciary activities income$01,093
Service charges on deposit accounts$1,856,000521
Trading account gains and feesNANA
Additional Noninterest Income$2,406,0001,124
Total noninterest expense$14,157,0001,110
Salaries and employee benefits$9,094,000989
Premises and equipment expense$1,405,0001,252
Additional noninterest expense$3,658,0001,266
Pre-tax net operating income$8,625,000895
Securities gains (losses)$02,274
Applicable income taxes$2,606,000766
Income before extraordinary items$6,019,000986
Extraordinary gains, net$09
Net income$6,019,000986
Minority interest net income$071
Net income of bank and minority interests.$6,019,000986
Net charge-offs$565,000739
Cash dividends$1,908,0001,107
Sale, conversion, retirement of capital stock, net$0677
Net operating income$6,019,000975
2017-06-30 (YTD Data)Rank
Total interest income$13,673,0001,034
Total interest expense$1,296,0001,173
Net interest income$12,377,0001,013
Provision for loan and lease losses$38,0003,028
Total noninterest income$2,744,0001,065
Gross Fiduciary activities income$01,079
Service charges on deposit accounts$1,206,000528
Trading account gains and feesNANA
Additional Noninterest Income$1,538,0001,173
Total noninterest expense$9,362,0001,121
Salaries and employee benefits$5,993,0001,005
Premises and equipment expense$926,0001,271
Additional noninterest expense$2,443,0001,259
Pre-tax net operating income$5,721,000881
Securities gains (losses)$01,906
Applicable income taxes$1,727,000741
Income before extraordinary items$3,994,000970
Extraordinary gains, net$011
Net income$3,994,000971
Minority interest net income$071
Net income of bank and minority interests.$3,994,000970
Net charge-offs$570,000510
Cash dividends$1,272,0001,096
Sale, conversion, retirement of capital stock, net$0659
Net operating income$3,994,000959
2017-03-31 (YTD Data)Rank
Total interest income$6,801,0001,030
Total interest expense$634,0001,172
Net interest income$6,167,0001,013
Provision for loan and lease losses$22,0002,759
Total noninterest income$1,325,0001,092
Gross Fiduciary activities income$01,045
Service charges on deposit accounts$589,000539
Trading account gains and feesNANA
Additional Noninterest Income$736,0001,189
Total noninterest expense$4,664,0001,134
Salaries and employee benefits$2,969,0001,020
Premises and equipment expense$458,0001,289
Additional noninterest expense$1,237,0001,256
Pre-tax net operating income$2,806,000874
Securities gains (losses)$01,153
Applicable income taxes$842,000747
Income before extraordinary items$1,964,000957
Extraordinary gains, net$08
Net income$1,964,000958
Minority interest net income$055
Net income of bank and minority interests.$1,964,000957
Net charge-offs$70,0001,126
Cash dividends$636,0001,025
Sale, conversion, retirement of capital stock, net$0632
Net operating income$1,964,000944
2016-12-31 (YTD Data)Rank
Total interest income$26,352,0001,029
Total interest expense$2,410,0001,193
Net interest income$23,942,0001,011
Provision for loan and lease losses$213,0002,366
Total noninterest income$5,272,0001,108
Gross Fiduciary activities income$01,172
Service charges on deposit accounts$2,219,000589
Trading account gains and fees$0170
Additional Noninterest Income$3,053,0001,196
Total noninterest expense$18,015,0001,147
Salaries and employee benefits$11,342,0001,035
Premises and equipment expense$1,926,0001,221
Additional noninterest expense$4,747,0001,321
Pre-tax net operating income$10,986,000859
Securities gains (losses)$17,0002,451
Applicable income taxes$3,288,000731
Income before extraordinary items$7,715,000971
Extraordinary gains, net$05
Net income$7,715,000970
Minority interest net income$082
Net income of bank and minority interests.$7,715,000970
Net charge-offs$262,0001,667
Cash dividends$2,400,0001,214
Sale, conversion, retirement of capital stock, net$0759
Net operating income$7,703,100945
2016-09-30 (YTD Data)Rank
Total interest income$19,626,0001,028
Total interest expense$1,781,0001,213
Net interest income$17,845,0001,017
Provision for loan and lease losses$176,0002,199
Total noninterest income$3,833,0001,129
Gross Fiduciary activities income$01,132
Service charges on deposit accounts$1,610,000608
Trading account gains and fees$0169
Additional Noninterest Income$2,223,0001,216
Total noninterest expense$13,470,0001,158
Salaries and employee benefits$8,510,0001,034
Premises and equipment expense$1,448,0001,224
Additional noninterest expense$3,512,0001,334
Pre-tax net operating income$8,032,000881
Securities gains (losses)$7,0002,695
Applicable income taxes$2,375,000776
Income before extraordinary items$5,664,000995
Extraordinary gains, net$05
Net income$5,664,000995
Minority interest net income$071
Net income of bank and minority interests.$5,664,000995
Net charge-offs$162,0001,629
Cash dividends$1,800,0001,127
Sale, conversion, retirement of capital stock, net$0719
Net operating income$5,659,100966
2016-06-30 (YTD Data)Rank
Total interest income$12,904,0001,046
Total interest expense$1,181,0001,214
Net interest income$11,723,0001,028
Provision for loan and lease losses$74,0002,582
Total noninterest income$2,439,0001,153
Gross Fiduciary activities income$01,122
Service charges on deposit accounts$992,000644
Trading account gains and fees$0157
Additional Noninterest Income$1,447,0001,220
Total noninterest expense$8,893,0001,160
Salaries and employee benefits$5,599,0001,046
Premises and equipment expense$934,0001,261
Additional noninterest expense$2,360,0001,331
Pre-tax net operating income$5,195,000901
Securities gains (losses)$5,0002,477
Applicable income taxes$1,517,000792
Income before extraordinary items$3,683,000997
Extraordinary gains, net$016
Net income$3,683,000996
Minority interest net income$071
Net income of bank and minority interests.$3,683,000996
Net charge-offs$113,0001,518
Cash dividends$1,200,0001,138
Sale, conversion, retirement of capital stock, net$0705
Net operating income$3,679,450969
2016-03-31 (YTD Data)Rank
Total interest income$6,390,0001,050
Total interest expense$602,0001,180
Net interest income$5,788,0001,036
Provision for loan and lease losses$62,0001,936
Total noninterest income$1,130,0001,193
Gross Fiduciary activities income$01,076
Service charges on deposit accounts$465,000677
Trading account gains and fees$0142
Additional Noninterest Income$665,0001,258
Total noninterest expense$4,344,0001,189
Salaries and employee benefits$2,731,0001,085
Premises and equipment expense$459,0001,271
Additional noninterest expense$1,154,0001,344
Pre-tax net operating income$2,512,000898
Securities gains (losses)$5,0001,720
Applicable income taxes$721,000802
Income before extraordinary items$1,796,0001,001
Extraordinary gains, net$012
Net income$1,796,0001,002
Minority interest net income$062
Net income of bank and minority interests.$1,796,0001,002
Net charge-offs$58,0001,342
Cash dividends$600,0001,065
Sale, conversion, retirement of capital stock, net$0659
Net operating income$1,792,450967
2015-12-31 (YTD Data)Rank
Total interest income$24,606,0001,055
Total interest expense$2,431,0001,146
Net interest income$22,175,0001,037
Provision for loan and lease losses$1,025,000809
Total noninterest income$4,595,0001,192
Gross Fiduciary activities income$01,209
Service charges on deposit accounts$2,035,000647
Trading account gains and fees$0159
Additional Noninterest Income$2,560,0001,288
Total noninterest expense$16,821,0001,191
Salaries and employee benefits$10,537,0001,073
Premises and equipment expense$1,835,0001,273
Additional noninterest expense$4,449,0001,402
Pre-tax net operating income$8,924,000986
Securities gains (losses)$-36,0005,995
Applicable income taxes$2,510,000855
Income before extraordinary items$6,378,0001,099
Extraordinary gains, net$023
Net income$6,378,0001,099
Minority interest net income$081
Net income of bank and minority interests.$6,378,0001,099
Net charge-offs$1,202,000588
Cash dividends$2,160,0001,272
Sale, conversion, retirement of capital stock, net$0804
Net operating income$6,403,9201,079
2015-09-30 (YTD Data)Rank
Total interest income$18,346,0001,067
Total interest expense$1,812,0001,164
Net interest income$16,534,0001,050
Provision for loan and lease losses$1,010,000586
Total noninterest income$3,411,0001,206
Gross Fiduciary activities income$01,169
Service charges on deposit accounts$1,503,000656
Trading account gains and fees$0153
Additional Noninterest Income$1,908,0001,306
Total noninterest expense$12,482,0001,207
Salaries and employee benefits$7,844,0001,083
Premises and equipment expense$1,346,0001,327
Additional noninterest expense$3,292,0001,423
Pre-tax net operating income$6,453,0001,030
Securities gains (losses)$1,0002,915
Applicable income taxes$1,821,000902
Income before extraordinary items$4,633,0001,149
Extraordinary gains, net$021
Net income$4,633,0001,146
Minority interest net income$078
Net income of bank and minority interests.$4,633,0001,149
Net charge-offs$1,185,000428
Cash dividends$1,560,0001,174
Sale, conversion, retirement of capital stock, net$0773
Net operating income$4,632,2801,116
2015-06-30 (YTD Data)Rank
Total interest income$12,146,0001,071
Total interest expense$1,204,0001,170
Net interest income$10,942,0001,048
Provision for loan and lease losses$892,000481
Total noninterest income$2,208,0001,247
Gross Fiduciary activities income$01,152
Service charges on deposit accounts$988,000645
Trading account gains and fees$0157
Additional Noninterest Income$1,220,0001,361
Total noninterest expense$8,144,0001,243
Salaries and employee benefits$5,139,0001,098
Premises and equipment expense$833,0001,420
Additional noninterest expense$2,172,0001,438
Pre-tax net operating income$4,114,0001,062
Securities gains (losses)$1,0002,511
Applicable income taxes$1,156,000929
Income before extraordinary items$2,959,0001,186
Extraordinary gains, net$022
Net income$2,959,0001,186
Minority interest net income$075
Net income of bank and minority interests.$2,959,0001,187
Net charge-offs$1,011,000348
Cash dividends$960,0001,284
Sale, conversion, retirement of capital stock, net$0751
Net operating income$2,958,2801,154
2015-03-31 (YTD Data)Rank
Total interest income$6,023,0001,074
Total interest expense$601,0001,171
Net interest income$5,422,0001,056
Provision for loan and lease losses$532,000392
Total noninterest income$1,004,0001,286
Gross Fiduciary activities income$01,118
Service charges on deposit accounts$492,000639
Trading account gains and fees$0152
Additional Noninterest Income$512,0001,483
Total noninterest expense$3,943,0001,271
Salaries and employee benefits$2,461,0001,154
Premises and equipment expense$412,0001,444
Additional noninterest expense$1,070,0001,439
Pre-tax net operating income$1,951,0001,086
Securities gains (losses)$02,027
Applicable income taxes$548,000959
Income before extraordinary items$1,403,0001,203
Extraordinary gains, net$013
Net income$1,403,0001,203
Minority interest net income$064
Net income of bank and minority interests.$1,403,0001,204
Net charge-offs$389,000443
Cash dividends$480,0001,162
Sale, conversion, retirement of capital stock, net$0697
Net operating income$1,403,0001,162
2014-12-31 (YTD Data)Rank
Total interest income$23,883,0001,070
Total interest expense$2,793,0001,063
Net interest income$21,090,0001,068
Provision for loan and lease losses$3,599,000276
Total noninterest income$4,174,0001,249
Gross Fiduciary activities income$01,256
Service charges on deposit accounts$2,295,000600
Trading account gains and fees$0180
Additional Noninterest Income$1,879,0001,536
Total noninterest expense$15,899,0001,251
Salaries and employee benefits$9,250,0001,175
Premises and equipment expense$1,758,0001,347
Additional noninterest expense$4,891,0001,322
Pre-tax net operating income$5,766,0001,357
Securities gains (losses)$1,0003,149
Applicable income taxes$1,422,0001,242
Income before extraordinary items$4,345,0001,474
Extraordinary gains, net$017
Net income$4,345,0001,472
Minority interest net income$084
Net income of bank and minority interests.$4,345,0001,473
Net charge-offs$3,735,000298
Cash dividends$1,560,0001,528
Sale, conversion, retirement of capital stock, net$0862
Net operating income$4,344,2501,454
2014-09-30 (YTD Data)Rank
Total interest income$17,711,0001,092
Total interest expense$2,128,0001,061
Net interest income$15,583,0001,089
Provision for loan and lease losses$2,839,000260
Total noninterest income$3,141,0001,251
Gross Fiduciary activities income$01,202
Service charges on deposit accounts$1,711,000599
Trading account gains and fees$0174
Additional Noninterest Income$1,430,0001,503
Total noninterest expense$11,787,0001,273
Salaries and employee benefits$6,903,0001,177
Premises and equipment expense$1,307,0001,370
Additional noninterest expense$3,577,0001,350
Pre-tax net operating income$4,098,0001,430
Securities gains (losses)$02,980
Applicable income taxes$981,0001,327
Income before extraordinary items$3,117,0001,515
Extraordinary gains, net$015
Net income$3,117,0001,515
Minority interest net income$081
Net income of bank and minority interests.$3,117,0001,515
Net charge-offs$2,866,000276
Cash dividends$1,170,0001,389
Sale, conversion, retirement of capital stock, net$0819
Net operating income$3,117,0001,492
2014-06-30 (YTD Data)Rank
Total interest income$11,697,0001,097
Total interest expense$1,428,0001,056
Net interest income$10,269,0001,089
Provision for loan and lease losses$2,020,000245
Total noninterest income$2,120,0001,232
Gross Fiduciary activities income$01,182
Service charges on deposit accounts$1,118,000601
Trading account gains and fees$0172
Additional Noninterest Income$1,002,0001,447
Total noninterest expense$7,888,0001,266
Salaries and employee benefits$4,560,0001,186
Premises and equipment expense$861,0001,389
Additional noninterest expense$2,467,0001,310
Pre-tax net operating income$2,481,0001,508
Securities gains (losses)$02,580
Applicable income taxes$558,0001,438
Income before extraordinary items$1,923,0001,590
Extraordinary gains, net$020
Net income$1,923,0001,593
Minority interest net income$080
Net income of bank and minority interests.$1,923,0001,592
Net charge-offs$2,137,000272
Cash dividends$780,0001,398
Sale, conversion, retirement of capital stock, net$0794
Net operating income$1,923,0001,568
2014-03-31 (YTD Data)Rank
Total interest income$5,735,0001,115
Total interest expense$716,0001,063
Net interest income$5,019,0001,113
Provision for loan and lease losses$1,063,000240
Total noninterest income$911,0001,330
Gross Fiduciary activities income$01,141
Service charges on deposit accounts$550,000602
Trading account gains and fees$0147
Additional Noninterest Income$361,0001,788
Total noninterest expense$3,803,0001,322
Salaries and employee benefits$2,230,0001,238
Premises and equipment expense$417,0001,460
Additional noninterest expense$1,156,0001,370
Pre-tax net operating income$1,064,0001,680
Securities gains (losses)$01,715
Applicable income taxes$215,0001,644
Income before extraordinary items$849,0001,719
Extraordinary gains, net$016
Net income$849,0001,723
Minority interest net income$066
Net income of bank and minority interests.$849,0001,722
Net charge-offs$854,000339
Cash dividends$390,0001,258
Sale, conversion, retirement of capital stock, net$0747
Net operating income$849,0001,692
2013-12-31 (YTD Data)Rank
Total interest income$22,657,0001,137
Total interest expense$3,016,0001,113
Net interest income$19,641,0001,113
Provision for loan and lease losses$4,225,000313
Total noninterest income$3,606,0001,416
Gross Fiduciary activities income$01,299
Service charges on deposit accounts$2,240,000620
Trading account gains and fees$0184
Additional Noninterest Income$1,366,0001,971
Total noninterest expense$15,412,0001,298
Salaries and employee benefits$8,669,0001,238
Premises and equipment expense$1,730,0001,378
Additional noninterest expense$5,013,0001,338
Pre-tax net operating income$3,610,0001,856
Securities gains (losses)$212,000856
Applicable income taxes$783,0001,702
Income before extraordinary items$3,039,0001,879
Extraordinary gains, net$029
Net income$3,039,0001,881
Minority interest net income$090
Net income of bank and minority interests.$3,039,0001,881
Net charge-offs$3,792,000440
Cash dividends$1,560,0001,442
Sale, conversion, retirement of capital stock, net$0924
Net operating income$2,869,4001,922
2013-09-30 (YTD Data)Rank
Total interest income$16,772,0001,153
Total interest expense$2,286,0001,146
Net interest income$14,486,0001,135
Provision for loan and lease losses$3,168,000316
Total noninterest income$2,730,0001,435
Gross Fiduciary activities income$01,238
Service charges on deposit accounts$1,691,000613
Trading account gains and fees$0180
Additional Noninterest Income$1,039,0001,995
Total noninterest expense$11,473,0001,303
Salaries and employee benefits$6,480,0001,243
Premises and equipment expense$1,279,0001,405
Additional noninterest expense$3,714,0001,346
Pre-tax net operating income$2,575,0002,005
Securities gains (losses)$211,000791
Applicable income taxes$567,0001,792
Income before extraordinary items$2,219,0001,959
Extraordinary gains, net$025
Net income$2,219,0001,966
Minority interest net income$084
Net income of bank and minority interests.$2,219,0001,965
Net charge-offs$3,115,000412
Cash dividends$1,170,0001,296
Sale, conversion, retirement of capital stock, net$0868
Net operating income$2,050,2002,022
2013-06-30 (YTD Data)Rank
Total interest income$11,075,0001,157
Total interest expense$1,541,0001,166
Net interest income$9,534,0001,137
Provision for loan and lease losses$2,100,000338
Total noninterest income$1,813,0001,443
Gross Fiduciary activities income$01,226
Service charges on deposit accounts$1,119,000603
Trading account gains and fees$0157
Additional Noninterest Income$694,0002,032
Total noninterest expense$7,577,0001,317
Salaries and employee benefits$4,289,0001,250
Premises and equipment expense$837,0001,442
Additional noninterest expense$2,451,0001,348
Pre-tax net operating income$1,670,0002,007
Securities gains (losses)$211,000719
Applicable income taxes$393,0001,754
Income before extraordinary items$1,488,0001,936
Extraordinary gains, net$022
Net income$1,488,0001,942
Minority interest net income$082
Net income of bank and minority interests.$1,488,0001,942
Net charge-offs$2,137,000422
Cash dividends$780,0001,308
Sale, conversion, retirement of capital stock, net$0838
Net operating income$1,321,3102,053
2013-03-31 (YTD Data)Rank
Total interest income$5,634,0001,141
Total interest expense$788,0001,178
Net interest income$4,846,0001,128
Provision for loan and lease losses$1,050,000368
Total noninterest income$955,0001,398
Gross Fiduciary activities income$01,171
Service charges on deposit accounts$572,000581
Trading account gains and fees$0148
Additional Noninterest Income$383,0001,915
Total noninterest expense$3,709,0001,354
Salaries and employee benefits$2,125,0001,269
Premises and equipment expense$405,0001,505
Additional noninterest expense$1,179,0001,382
Pre-tax net operating income$1,042,0001,641
Securities gains (losses)$30,0001,139
Applicable income taxes$249,0001,512
Income before extraordinary items$823,0001,726
Extraordinary gains, net$010
Net income$823,0001,728
Minority interest net income$076
Net income of bank and minority interests.$823,0001,728
Net charge-offs$951,000491
Cash dividends$390,0001,132
Sale, conversion, retirement of capital stock, net$0789
Net operating income$799,9001,706
2012-12-31 (YTD Data)Rank
Total interest income$23,381,0001,144
Total interest expense$3,771,0001,183
Net interest income$19,610,0001,115
Provision for loan and lease losses$4,900,000516
Total noninterest income$2,823,0001,710
Gross Fiduciary activities income$01,334
Service charges on deposit accounts$2,461,000581
Trading account gains and fees$0166
Additional Noninterest Income$362,0003,772
Total noninterest expense$15,538,0001,288
Salaries and employee benefits$8,833,0001,194
Premises and equipment expense$1,718,0001,382
Additional noninterest expense$4,987,0001,356
Pre-tax net operating income$1,995,0002,813
Securities gains (losses)$1,819,000300
Applicable income taxes$796,0001,702
Income before extraordinary items$3,018,0001,851
Extraordinary gains, net$029
Net income$3,018,0001,849
Minority interest net income$093
Net income of bank and minority interests.$3,018,0001,851
Net charge-offs$6,329,000487
Cash dividends$1,608,0001,411
Sale, conversion, retirement of capital stock, net$01,002
Net operating income$1,580,9902,890
2012-09-30 (YTD Data)Rank
Total interest income$17,766,0001,145
Total interest expense$2,907,0001,221
Net interest income$14,859,0001,116
Provision for loan and lease losses$3,850,000500
Total noninterest income$1,988,0001,797
Gross Fiduciary activities income$01,274
Service charges on deposit accounts$1,850,000586
Trading account gains and fees$0157
Additional Noninterest Income$138,0004,738
Total noninterest expense$11,794,0001,273
Salaries and employee benefits$6,669,0001,179
Premises and equipment expense$1,287,0001,402
Additional noninterest expense$3,838,0001,330
Pre-tax net operating income$1,203,0003,314
Securities gains (losses)$1,819,000224
Applicable income taxes$658,0001,649
Income before extraordinary items$2,364,0001,819
Extraordinary gains, net$020
Net income$2,364,0001,818
Minority interest net income$086
Net income of bank and minority interests.$2,364,0001,820
Net charge-offs$4,610,000492
Cash dividends$1,206,0001,167
Sale, conversion, retirement of capital stock, net$0952
Net operating income$945,1803,383
2012-06-30 (YTD Data)Rank
Total interest income$12,010,0001,140
Total interest expense$1,987,0001,235
Net interest income$10,023,0001,110
Provision for loan and lease losses$2,800,000482
Total noninterest income$1,739,0001,447
Gross Fiduciary activities income$01,262
Service charges on deposit accounts$1,239,000575
Trading account gains and fees$0153
Additional Noninterest Income$500,0002,325
Total noninterest expense$7,960,0001,256
Salaries and employee benefits$4,470,0001,171
Premises and equipment expense$831,0001,426
Additional noninterest expense$2,659,0001,274
Pre-tax net operating income$1,002,0002,837
Securities gains (losses)$899,000312
Applicable income taxes$395,0001,725
Income before extraordinary items$1,506,0001,880
Extraordinary gains, net$019
Net income$1,506,0001,879
Minority interest net income$084
Net income of bank and minority interests.$1,506,0001,880
Net charge-offs$3,207,000489
Cash dividends$804,0001,151
Sale, conversion, retirement of capital stock, net$0928
Net operating income$795,7902,899
2012-03-31 (YTD Data)Rank
Total interest income$6,063,0001,134
Total interest expense$1,036,0001,228
Net interest income$5,027,0001,104
Provision for loan and lease losses$1,100,000565
Total noninterest income$880,0001,437
Gross Fiduciary activities income$01,204
Service charges on deposit accounts$630,000561
Trading account gains and fees$0148
Additional Noninterest Income$250,0002,341
Total noninterest expense$3,849,0001,290
Salaries and employee benefits$2,255,0001,153
Premises and equipment expense$400,0001,486
Additional noninterest expense$1,194,0001,412
Pre-tax net operating income$958,0001,747
Securities gains (losses)$02,210
Applicable income taxes$199,0001,735
Income before extraordinary items$759,0001,873
Extraordinary gains, net$019
Net income$759,0001,874
Minority interest net income$078
Net income of bank and minority interests.$759,0001,875
Net charge-offs$1,494,000504
Cash dividends$402,0001,020
Sale, conversion, retirement of capital stock, net$0861
Net operating income$759,0001,773
2011-12-31 (YTD Data)Rank
Total interest income$26,883,0001,050
Total interest expense$5,584,0001,081
Net interest income$21,299,0001,036
Provision for loan and lease losses$6,693,000626
Total noninterest income$3,783,0001,276
Gross Fiduciary activities income$01,311
Service charges on deposit accounts$2,799,000537
Trading account gains and fees$0146
Additional Noninterest Income$984,0002,160
Total noninterest expense$15,651,0001,260
Salaries and employee benefits$8,861,0001,110
Premises and equipment expense$1,824,0001,365
Additional noninterest expense$4,966,0001,389
Pre-tax net operating income$2,738,0001,991
Securities gains (losses)$458,000842
Applicable income taxes$583,0001,882
Income before extraordinary items$2,613,0001,812
Extraordinary gains, net$029
Net income$2,613,0001,813
Minority interest net income$096
Net income of bank and minority interests.$2,613,0001,813
Net charge-offs$4,865,000814
Cash dividends$1,752,0001,078
Sale, conversion, retirement of capital stock, net$01,108
Net operating income$2,237,4401,977
2011-09-30 (YTD Data)Rank
Total interest income$20,771,0001,019
Total interest expense$4,418,0001,067
Net interest income$16,353,0001,019
Provision for loan and lease losses$4,667,000661
Total noninterest income$3,017,0001,233
Gross Fiduciary activities income$01,257
Service charges on deposit accounts$2,107,000536
Trading account gains and fees$0145
Additional Noninterest Income$910,0001,871
Total noninterest expense$11,876,0001,245
Salaries and employee benefits$6,765,0001,096
Premises and equipment expense$1,363,0001,381
Additional noninterest expense$3,748,0001,379
Pre-tax net operating income$2,827,0001,561
Securities gains (losses)$316,000898
Applicable income taxes$722,0001,394
Income before extraordinary items$2,421,0001,580
Extraordinary gains, net$021
Net income$2,421,0001,580
Minority interest net income$087
Net income of bank and minority interests.$2,421,0001,580
Net charge-offs$3,116,000919
Cash dividends$1,314,000928
Sale, conversion, retirement of capital stock, net$01,036
Net operating income$2,177,6801,633
2011-06-30 (YTD Data)Rank
Total interest income$14,078,0001,012
Total interest expense$3,079,0001,064
Net interest income$10,999,0001,004
Provision for loan and lease losses$3,015,000673
Total noninterest income$2,049,0001,207
Gross Fiduciary activities income$01,239
Service charges on deposit accounts$1,379,000539
Trading account gains and fees$0153
Additional Noninterest Income$670,0001,758
Total noninterest expense$7,838,0001,276
Salaries and employee benefits$4,538,0001,104
Premises and equipment expense$897,0001,408
Additional noninterest expense$2,403,0001,458
Pre-tax net operating income$2,195,0001,333
Securities gains (losses)$02,914
Applicable income taxes$520,0001,283
Income before extraordinary items$1,675,0001,466
Extraordinary gains, net$015
Net income$1,675,0001,466
Minority interest net income$089
Net income of bank and minority interests.$1,675,0001,466
Net charge-offs$1,159,0001,349
Cash dividends$876,000905
Sale, conversion, retirement of capital stock, net$0986
Net operating income$1,675,0001,403
2011-03-31 (YTD Data)Rank
Total interest income$7,022,0001,030
Total interest expense$1,657,0001,037
Net interest income$5,365,0001,026
Provision for loan and lease losses$757,0001,055
Total noninterest income$1,058,0001,163
Gross Fiduciary activities income$01,199
Service charges on deposit accounts$664,000549
Trading account gains and fees$0158
Additional Noninterest Income$394,0001,587
Total noninterest expense$3,963,0001,258
Salaries and employee benefits$2,263,0001,121
Premises and equipment expense$438,0001,469
Additional noninterest expense$1,262,0001,385
Pre-tax net operating income$1,703,000886
Securities gains (losses)$01,772
Applicable income taxes$493,000764
Income before extraordinary items$1,210,0001,004
Extraordinary gains, net$09
Net income$1,210,0001,004
Minority interest net income$086
Net income of bank and minority interests.$1,210,0001,004
Net charge-offs$425,0001,472
Cash dividends$438,000830
Sale, conversion, retirement of capital stock, net$0925
Net operating income$1,210,000979
2010-12-31 (YTD Data)Rank
Total interest income$28,277,0001,094
Total interest expense$7,209,0001,143
Net interest income$21,068,0001,047
Provision for loan and lease losses$3,660,0001,413
Total noninterest income$4,229,0001,219
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$3,128,000482
Trading account gains and fees$0175
Additional Noninterest Income$1,101,0002,066
Total noninterest expense$15,356,0001,306
Salaries and employee benefits$9,104,0001,084
Premises and equipment expense$1,804,0001,429
Additional noninterest expense$4,448,0001,613
Pre-tax net operating income$6,281,000843
Securities gains (losses)$328,0001,184
Applicable income taxes$2,077,000727
Income before extraordinary items$4,532,000971
Extraordinary gains, net$029
Net income$4,532,000973
Minority interest net income$0111
Net income of bank and minority interests.$4,532,000974
Net charge-offs$2,688,0001,565
Cash dividends$1,914,000858
Sale, conversion, retirement of capital stock, net$01,226
Net operating income$4,305,680968
2010-09-30 (YTD Data)Rank
Total interest income$21,238,0001,106
Total interest expense$5,463,0001,174
Net interest income$15,775,0001,056
Provision for loan and lease losses$2,745,0001,340
Total noninterest income$3,197,0001,201
Gross Fiduciary activities income$01,319
Service charges on deposit accounts$2,411,000470
Trading account gains and fees$0165
Additional Noninterest Income$786,0002,092
Total noninterest expense$11,313,0001,313
Salaries and employee benefits$6,665,0001,109
Premises and equipment expense$1,348,0001,447
Additional noninterest expense$3,300,0001,610
Pre-tax net operating income$4,914,000852
Securities gains (losses)$11,0003,082
Applicable income taxes$1,550,000722
Income before extraordinary items$3,375,0001,019
Extraordinary gains, net$023
Net income$3,375,0001,022
Minority interest net income$0110
Net income of bank and minority interests.$3,375,0001,022
Net charge-offs$2,127,0001,450
Cash dividends$1,476,000759
Sale, conversion, retirement of capital stock, net$01,139
Net operating income$3,367,410976
2010-06-30 (YTD Data)Rank
Total interest income$14,010,0001,124
Total interest expense$3,653,0001,217
Net interest income$10,357,0001,080
Provision for loan and lease losses$1,830,0001,346
Total noninterest income$2,223,0001,142
Gross Fiduciary activities income$01,300
Service charges on deposit accounts$1,640,000466
Trading account gains and fees$0152
Additional Noninterest Income$583,0001,897
Total noninterest expense$7,562,0001,302
Salaries and employee benefits$4,541,0001,083
Premises and equipment expense$864,0001,518
Additional noninterest expense$2,157,0001,633
Pre-tax net operating income$3,188,000861
Securities gains (losses)$9,0002,629
Applicable income taxes$1,000,000717
Income before extraordinary items$2,197,0001,027
Extraordinary gains, net$019
Net income$2,197,0001,028
Minority interest net income$0105
Net income of bank and minority interests.$2,197,0001,028
Net charge-offs$1,509,0001,360
Cash dividends$1,038,000677
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$2,190,790982
2010-03-31 (YTD Data)Rank
Total interest income$6,801,0001,186
Total interest expense$1,813,0001,284
Net interest income$4,988,0001,133
Provision for loan and lease losses$915,0001,233
Total noninterest income$1,184,0001,063
Gross Fiduciary activities income$01,246
Service charges on deposit accounts$808,000469
Trading account gains and fees$0175
Additional Noninterest Income$376,0001,568
Total noninterest expense$3,747,0001,340
Salaries and employee benefits$2,244,0001,111
Premises and equipment expense$425,0001,588
Additional noninterest expense$1,078,0001,627
Pre-tax net operating income$1,510,000886
Securities gains (losses)$4,0001,944
Applicable income taxes$468,000746
Income before extraordinary items$1,046,0001,048
Extraordinary gains, net$016
Net income$1,046,0001,048
Minority interest net income$091
Net income of bank and minority interests.$1,046,0001,050
Net charge-offs$922,0001,092
Cash dividends$600,000554
Sale, conversion, retirement of capital stock, net$01,017
Net operating income$1,043,2401,017
2009-12-31 (YTD Data)Rank
Total interest income$26,996,0001,281
Total interest expense$7,710,0001,524
Net interest income$19,286,0001,145
Provision for loan and lease losses$2,490,0002,193
Total noninterest income$3,647,0001,395
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$3,527,000471
Trading account gains and fees$0211
Additional Noninterest Income$120,0005,406
Total noninterest expense$14,950,0001,369
Salaries and employee benefits$9,192,0001,073
Premises and equipment expense$1,679,0001,598
Additional noninterest expense$4,079,0001,826
Pre-tax net operating income$5,493,000770
Securities gains (losses)$292,0001,266
Applicable income taxes$1,742,000629
Income before extraordinary items$4,043,000857
Extraordinary gains, net$034
Net income$4,043,000855
Minority interest net income$0115
Net income of bank and minority interests.$4,043,000856
Net charge-offs$1,934,0002,069
Cash dividends$1,608,0001,118
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$3,838,600892
2009-09-30 (YTD Data)Rank
Total interest income$20,087,0001,314
Total interest expense$5,932,0001,558
Net interest income$14,155,0001,174
Provision for loan and lease losses$1,425,0002,281
Total noninterest income$3,002,0001,319
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$2,618,000476
Trading account gains and fees$0212
Additional Noninterest Income$384,0003,252
Total noninterest expense$11,236,0001,360
Salaries and employee benefits$7,016,0001,061
Premises and equipment expense$1,199,0001,715
Additional noninterest expense$3,021,0001,775
Pre-tax net operating income$4,496,000762
Securities gains (losses)$65,0002,125
Applicable income taxes$1,386,000644
Income before extraordinary items$3,175,000862
Extraordinary gains, net$027
Net income$3,175,000863
Minority interest net income$0118
Net income of bank and minority interests.$3,175,000863
Net charge-offs$1,114,0002,085
Cash dividends$1,206,0001,053
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$3,129,500858
2009-06-30 (YTD Data)Rank
Total interest income$13,266,0001,345
Total interest expense$4,109,0001,588
Net interest income$9,157,0001,217
Provision for loan and lease losses$810,0002,321
Total noninterest income$1,791,0001,449
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$1,665,000502
Trading account gains and fees$0193
Additional Noninterest Income$126,0004,407
Total noninterest expense$7,366,0001,407
Salaries and employee benefits$4,583,0001,107
Premises and equipment expense$745,0001,855
Additional noninterest expense$2,038,0001,786
Pre-tax net operating income$2,772,000831
Securities gains (losses)$64,0001,749
Applicable income taxes$836,000716
Income before extraordinary items$2,000,000952
Extraordinary gains, net$021
Net income$2,000,000952
Minority interest net income$0112
Net income of bank and minority interests.$2,000,000952
Net charge-offs$527,0002,297
Cash dividends$804,0001,119
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$1,954,560940
2009-03-31 (YTD Data)Rank
Total interest income$6,652,0001,364
Total interest expense$2,146,0001,584
Net interest income$4,506,0001,230
Provision for loan and lease losses$405,0001,977
Total noninterest income$1,008,0001,279
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$788,000517
Trading account gains and fees$0171
Additional Noninterest Income$220,0002,380
Total noninterest expense$3,460,0001,443
Salaries and employee benefits$2,190,0001,161
Premises and equipment expense$372,0001,896
Additional noninterest expense$898,0001,798
Pre-tax net operating income$1,649,000771
Securities gains (losses)$8,0001,969
Applicable income taxes$511,000660
Income before extraordinary items$1,146,000929
Extraordinary gains, net$015
Net income$1,146,000929
Minority interest net income$0102
Net income of bank and minority interests.$1,146,000931
Net charge-offs$223,0002,058
Cash dividends$402,0001,063
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$1,140,480875
2008-12-31 (YTD Data)Rank
Total interest income$29,073,0001,334
Total interest expense$10,158,0001,600
Net interest income$18,915,0001,174
Provision for loan and lease losses$1,585,0002,090
Total noninterest income$4,871,0001,081
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$3,634,000476
Trading account gains and fees$0154
Additional Noninterest Income$1,237,0001,842
Total noninterest expense$13,603,0001,436
Salaries and employee benefits$8,540,0001,159
Premises and equipment expense$1,501,0001,817
Additional noninterest expense$3,562,0001,724
Pre-tax net operating income$8,598,000646
Securities gains (losses)$119,0001,004
Applicable income taxes$2,953,000475
Income before extraordinary items$5,764,000702
Extraordinary gains, net$039
Net income$5,764,000702
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,439,0001,597
Cash dividends$1,680,0001,571
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$5,685,460762
2008-09-30 (YTD Data)Rank
Total interest income$22,222,0001,330
Total interest expense$7,853,0001,604
Net interest income$14,369,0001,178
Provision for loan and lease losses$915,0001,933
Total noninterest income$3,917,0001,064
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$2,777,000469
Trading account gains and fees$0148
Additional Noninterest Income$1,140,0001,661
Total noninterest expense$10,245,0001,413
Salaries and employee benefits$6,500,0001,167
Premises and equipment expense$1,102,0001,850
Additional noninterest expense$2,643,0001,681
Pre-tax net operating income$7,126,000701
Securities gains (losses)$118,000858
Applicable income taxes$2,492,000536
Income before extraordinary items$4,752,000768
Extraordinary gains, net$031
Net income$4,752,000767
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,072,0001,247
Cash dividends$1,260,0001,534
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$4,674,120825
2008-06-30 (YTD Data)Rank
Total interest income$15,046,0001,326
Total interest expense$5,516,0001,587
Net interest income$9,530,0001,167
Provision for loan and lease losses$510,0001,888
Total noninterest income$2,578,0001,089
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$1,790,000474
Trading account gains and fees$0149
Additional Noninterest Income$788,0001,650
Total noninterest expense$6,830,0001,405
Salaries and employee benefits$4,375,0001,170
Premises and equipment expense$708,0001,914
Additional noninterest expense$1,747,0001,684
Pre-tax net operating income$4,768,000735
Securities gains (losses)$112,000892
Applicable income taxes$1,682,000597
Income before extraordinary items$3,198,000848
Extraordinary gains, net$021
Net income$3,198,000847
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$340,0001,669
Cash dividends$840,0001,632
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$3,124,080854
2008-03-31 (YTD Data)Rank
Total interest income$7,614,0001,348
Total interest expense$2,892,0001,618
Net interest income$4,722,0001,161
Provision for loan and lease losses$255,0001,560
Total noninterest income$1,305,0001,071
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$894,000466
Trading account gains and fees$0158
Additional Noninterest Income$411,0001,595
Total noninterest expense$3,305,0001,448
Salaries and employee benefits$2,097,0001,240
Premises and equipment expense$344,0001,980
Additional noninterest expense$864,0001,659
Pre-tax net operating income$2,467,000768
Securities gains (losses)$21,0001,562
Applicable income taxes$858,000656
Income before extraordinary items$1,630,000927
Extraordinary gains, net$015
Net income$1,630,000929
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$175,0001,361
Cash dividends$420,0001,534
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$1,616,140891
2007-12-31 (YTD Data)Rank
Total interest income$30,290,0001,418
Total interest expense$11,816,0001,699
Net interest income$18,474,0001,204
Provision for loan and lease losses$917,0001,521
Total noninterest income$5,144,0001,075
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$3,861,000452
Trading account gains and fees$0178
Additional Noninterest Income$1,283,0001,872
Total noninterest expense$12,804,0001,443
Salaries and employee benefits$7,918,0001,259
Premises and equipment expense$1,482,0001,773
Additional noninterest expense$3,404,0001,638
Pre-tax net operating income$9,897,000860
Securities gains (losses)$-22,0007,785
Applicable income taxes$3,385,000729
Income before extraordinary items$6,490,0001,010
Extraordinary gains, net$039
Net income$6,490,0001,008
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$544,0001,591
Cash dividends$1,536,0001,965
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$6,504,520990
2007-09-30 (YTD Data)Rank
Total interest income$22,377,0001,447
Total interest expense$8,772,0001,709
Net interest income$13,605,0001,232
Provision for loan and lease losses$609,0001,333
Total noninterest income$3,853,0001,074
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$2,820,000461
Trading account gains and fees$0184
Additional Noninterest Income$1,033,0001,789
Total noninterest expense$9,599,0001,428
Salaries and employee benefits$5,954,0001,258
Premises and equipment expense$1,089,0001,805
Additional noninterest expense$2,556,0001,585
Pre-tax net operating income$7,250,000953
Securities gains (losses)$-14,0007,864
Applicable income taxes$2,527,000791
Income before extraordinary items$4,709,0001,117
Extraordinary gains, net$033
Net income$4,709,0001,114
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$253,0001,680
Cash dividends$1,152,0001,814
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$4,718,1001,092
2007-06-30 (YTD Data)Rank
Total interest income$14,581,0001,490
Total interest expense$5,728,0001,748
Net interest income$8,853,0001,285
Provision for loan and lease losses$353,0001,357
Total noninterest income$2,478,0001,131
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$1,784,000485
Trading account gains and fees$0168
Additional Noninterest Income$694,0001,789
Total noninterest expense$6,348,0001,445
Salaries and employee benefits$3,916,0001,302
Premises and equipment expense$706,0001,857
Additional noninterest expense$1,726,0001,567
Pre-tax net operating income$4,630,0001,032
Securities gains (losses)$-14,0008,066
Applicable income taxes$1,605,000869
Income before extraordinary items$3,011,0001,190
Extraordinary gains, net$029
Net income$3,011,0001,189
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$132,0001,759
Cash dividends$768,0001,856
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$3,020,1001,166
2007-03-31 (YTD Data)Rank
Total interest income$7,026,0001,541
Total interest expense$2,823,0001,760
Net interest income$4,203,0001,351
Provision for loan and lease losses$123,0001,733
Total noninterest income$1,168,0001,162
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$839,000499
Trading account gains and fees$0195
Additional Noninterest Income$329,0001,839
Total noninterest expense$3,130,0001,475
Salaries and employee benefits$1,890,0001,353
Premises and equipment expense$339,0001,924
Additional noninterest expense$901,0001,484
Pre-tax net operating income$2,118,0001,098
Securities gains (losses)$01,187
Applicable income taxes$729,000944
Income before extraordinary items$1,389,0001,263
Extraordinary gains, net$022
Net income$1,389,0001,263
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0002,349
Cash dividends$384,0001,718
Sale, conversion, retirement of capital stock, net$0885
Net operating income$1,389,0001,244
2006-12-31 (YTD Data)Rank
Total interest income$24,701,0001,639
Total interest expense$8,376,0001,967
Net interest income$16,325,0001,390
Provision for loan and lease losses$490,0001,940
Total noninterest income$4,548,0001,190
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$3,340,000514
Trading account gains and fees$0130
Additional Noninterest Income$1,208,0001,957
Total noninterest expense$11,464,0001,560
Salaries and employee benefits$6,960,0001,411
Premises and equipment expense$1,349,0001,866
Additional noninterest expense$3,155,0001,670
Pre-tax net operating income$8,919,0001,104
Securities gains (losses)$01,687
Applicable income taxes$3,108,000910
Income before extraordinary items$5,811,0001,253
Extraordinary gains, net$051
Net income$5,811,0001,253
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$473,0001,221
Cash dividends$2,100,0001,457
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$5,811,0001,236
2006-09-30 (YTD Data)Rank
Total interest income$17,927,0001,671
Total interest expense$5,822,0002,044
Net interest income$12,105,0001,426
Provision for loan and lease losses$353,0001,893
Total noninterest income$3,345,0001,208
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$2,456,000524
Trading account gains and fees$0126
Additional Noninterest Income$889,0001,995
Total noninterest expense$8,455,0001,588
Salaries and employee benefits$5,245,0001,413
Premises and equipment expense$983,0001,934
Additional noninterest expense$2,227,0001,752
Pre-tax net operating income$6,642,0001,153
Securities gains (losses)$01,388
Applicable income taxes$2,313,000967
Income before extraordinary items$4,329,0001,307
Extraordinary gains, net$045
Net income$4,329,0001,307
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$409,000939
Cash dividends$1,440,0001,493
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$4,329,0001,295
2006-06-30 (YTD Data)Rank
Total interest income$11,538,0001,696
Total interest expense$3,521,0002,115
Net interest income$8,017,0001,435
Provision for loan and lease losses$200,0002,096
Total noninterest income$2,185,0001,229
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,590,000538
Trading account gains and fees$0126
Additional Noninterest Income$595,0001,976
Total noninterest expense$5,542,0001,618
Salaries and employee benefits$3,444,0001,434
Premises and equipment expense$643,0001,963
Additional noninterest expense$1,455,0001,799
Pre-tax net operating income$4,460,0001,138
Securities gains (losses)$01,185
Applicable income taxes$1,561,000954
Income before extraordinary items$2,899,0001,298
Extraordinary gains, net$039
Net income$2,899,0001,299
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$294,000843
Cash dividends$960,0001,502
Sale, conversion, retirement of capital stock, net$0887
Net operating income$2,899,0001,277
2006-03-31 (YTD Data)Rank
Total interest income$5,466,0001,748
Total interest expense$1,640,0002,168
Net interest income$3,826,0001,501
Provision for loan and lease losses$127,0001,668
Total noninterest income$1,055,0001,229
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$761,000539
Trading account gains and fees$0115
Additional Noninterest Income$294,0001,972
Total noninterest expense$2,691,0001,664
Salaries and employee benefits$1,659,0001,497
Premises and equipment expense$317,0001,995
Additional noninterest expense$715,0001,830
Pre-tax net operating income$2,063,0001,199
Securities gains (losses)$-4,0008,056
Applicable income taxes$717,0001,030
Income before extraordinary items$1,342,0001,369
Extraordinary gains, net$021
Net income$1,342,0001,368
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$156,000717
Cash dividends$480,0001,419
Sale, conversion, retirement of capital stock, net$0648
Net operating income$1,344,6001,347
2005-12-31 (YTD Data)Rank
Total interest income$18,804,0001,796
Total interest expense$4,815,0002,273
Net interest income$13,989,0001,567
Provision for loan and lease losses$729,0001,369
Total noninterest income$4,189,0001,234
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$2,956,000572
Trading account gains and fees$0138
Additional Noninterest Income$1,233,0001,929
Total noninterest expense$10,458,0001,635
Salaries and employee benefits$6,302,0001,494
Premises and equipment expense$1,281,0001,891
Additional noninterest expense$2,875,0001,755
Pre-tax net operating income$6,991,0001,371
Securities gains (losses)$-68,0008,301
Applicable income taxes$2,390,0001,182
Income before extraordinary items$4,533,0001,549
Extraordinary gains, net$046
Net income$4,533,0001,549
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$402,0001,396
Cash dividends$1,794,0001,608
Sale, conversion, retirement of capital stock, net$0934
Net operating income$4,577,2001,515
2005-09-30 (YTD Data)Rank
Total interest income$13,661,0001,799
Total interest expense$3,347,0002,327
Net interest income$10,314,0001,580
Provision for loan and lease losses$509,0001,385
Total noninterest income$3,035,0001,277
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$2,148,000588
Trading account gains and fees$0126
Additional Noninterest Income$887,0001,969
Total noninterest expense$7,765,0001,630
Salaries and employee benefits$4,695,0001,486
Premises and equipment expense$956,0001,883
Additional noninterest expense$2,114,0001,767
Pre-tax net operating income$5,075,0001,411
Securities gains (losses)$13,0001,390
Applicable income taxes$1,748,0001,215
Income before extraordinary items$3,340,0001,578
Extraordinary gains, net$035
Net income$3,340,0001,579
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$210,0001,623
Cash dividends$1,314,0001,476
Sale, conversion, retirement of capital stock, net$0769
Net operating income$3,331,4201,553
2005-06-30 (YTD Data)Rank
Total interest income$8,842,0001,797
Total interest expense$2,031,0002,405
Net interest income$6,811,0001,575
Provision for loan and lease losses$332,0001,395
Total noninterest income$1,935,0001,305
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$1,322,000629
Trading account gains and fees$0116
Additional Noninterest Income$613,0001,902
Total noninterest expense$5,156,0001,638
Salaries and employee benefits$3,116,0001,487
Premises and equipment expense$633,0001,889
Additional noninterest expense$1,407,0001,759
Pre-tax net operating income$3,258,0001,436
Securities gains (losses)$13,0001,257
Applicable income taxes$1,114,0001,244
Income before extraordinary items$2,157,0001,595
Extraordinary gains, net$030
Net income$2,157,0001,595
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$158,0001,419
Cash dividends$834,0001,520
Sale, conversion, retirement of capital stock, net$0643
Net operating income$2,148,4201,575
2005-03-31 (YTD Data)Rank
Total interest income$4,270,0001,833
Total interest expense$972,0002,399
Net interest income$3,298,0001,619
Provision for loan and lease losses$145,0001,514
Total noninterest income$873,0001,397
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$601,000677
Trading account gains and fees$0115
Additional Noninterest Income$272,0002,017
Total noninterest expense$2,503,0001,681
Salaries and employee benefits$1,528,0001,527
Premises and equipment expense$302,0001,989
Additional noninterest expense$673,0001,831
Pre-tax net operating income$1,523,0001,497
Securities gains (losses)$4,0001,261
Applicable income taxes$516,0001,319
Income before extraordinary items$1,011,0001,654
Extraordinary gains, net$024
Net income$1,011,0001,656
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,728
Cash dividends$354,0001,575
Sale, conversion, retirement of capital stock, net$0491
Net operating income$1,008,3601,634
2004-12-31 (YTD Data)Rank
Total interest income$16,334,0001,750
Total interest expense$3,866,0002,100
Net interest income$12,468,0001,631
Provision for loan and lease losses$756,0001,354
Total noninterest income$3,882,0001,306
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$2,786,000625
Trading account gains and fees$0138
Additional Noninterest Income$1,096,0002,036
Total noninterest expense$9,824,0001,657
Salaries and employee benefits$5,909,0001,504
Premises and equipment expense$1,179,0001,945
Additional noninterest expense$2,736,0001,783
Pre-tax net operating income$5,770,0001,485
Securities gains (losses)$23,0002,306
Applicable income taxes$1,967,0001,295
Income before extraordinary items$3,826,0001,679
Extraordinary gains, net$034
Net income$3,826,0001,680
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$591,0001,168
Cash dividends$1,296,0001,929
Sale, conversion, retirement of capital stock, net$0872
Net operating income$3,810,8201,633
2004-09-30 (YTD Data)Rank
Total interest income$12,066,0001,755
Total interest expense$2,910,0002,056
Net interest income$9,156,0001,657
Provision for loan and lease losses$606,0001,226
Total noninterest income$2,844,0001,359
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$2,068,000642
Trading account gains and fees$0134
Additional Noninterest Income$776,0002,117
Total noninterest expense$7,218,0001,669
Salaries and employee benefits$4,429,0001,500
Premises and equipment expense$845,0002,044
Additional noninterest expense$1,944,0001,840
Pre-tax net operating income$4,176,0001,544
Securities gains (losses)$18,0002,374
Applicable income taxes$1,407,0001,357
Income before extraordinary items$2,787,0001,740
Extraordinary gains, net$026
Net income$2,787,0001,741
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$521,000911
Cash dividends$972,0001,762
Sale, conversion, retirement of capital stock, net$0738
Net operating income$2,775,1201,695
2004-06-30 (YTD Data)Rank
Total interest income$7,935,0001,770
Total interest expense$1,966,0002,006
Net interest income$5,969,0001,685
Provision for loan and lease losses$403,0001,219
Total noninterest income$1,842,0001,367
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$1,331,000654
Trading account gains and fees$0130
Additional Noninterest Income$511,0002,159
Total noninterest expense$4,790,0001,680
Salaries and employee benefits$2,922,0001,514
Premises and equipment expense$545,0002,094
Additional noninterest expense$1,323,0001,806
Pre-tax net operating income$2,618,0001,604
Securities gains (losses)$-9,0008,681
Applicable income taxes$872,0001,433
Income before extraordinary items$1,737,0001,817
Extraordinary gains, net$021
Net income$1,737,0001,818
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$269,0001,121
Cash dividends$648,0001,783
Sale, conversion, retirement of capital stock, net$0638
Net operating income$1,743,0301,763
2004-03-31 (YTD Data)Rank
Total interest income$3,856,0001,826
Total interest expense$994,0001,991
Net interest income$2,862,0001,741
Provision for loan and lease losses$213,0001,102
Total noninterest income$860,0001,409
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$634,000671
Trading account gains and fees$0121
Additional Noninterest Income$226,0002,281
Total noninterest expense$2,316,0001,753
Salaries and employee benefits$1,425,0001,573
Premises and equipment expense$253,0002,277
Additional noninterest expense$638,0001,852
Pre-tax net operating income$1,193,0001,728
Securities gains (losses)$43,0001,278
Applicable income taxes$410,0001,514
Income before extraordinary items$826,0001,893
Extraordinary gains, net$016
Net income$826,0001,893
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$199,000814
Cash dividends$324,0001,642
Sale, conversion, retirement of capital stock, net$0464
Net operating income$797,1901,874
2003-12-31 (YTD Data)Rank
Total interest income$14,917,0001,898
Total interest expense$4,772,0001,875
Net interest income$10,145,0001,920
Provision for loan and lease losses$722,0001,586
Total noninterest income$4,437,0001,234
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$2,785,000614
Trading account gains and fees$0160
Additional Noninterest Income$1,652,0001,691
Total noninterest expense$8,940,0001,776
Salaries and employee benefits$5,473,0001,576
Premises and equipment expense$975,0002,303
Additional noninterest expense$2,492,0001,933
Pre-tax net operating income$4,920,0001,655
Securities gains (losses)$36,0002,779
Applicable income taxes$1,603,0001,530
Income before extraordinary items$3,353,0001,851
Extraordinary gains, net$054
Net income$3,353,0001,854
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$460,0001,716
Cash dividends$1,248,0002,003
Sale, conversion, retirement of capital stock, net$0868
Net operating income$3,328,5201,781
2003-09-30 (YTD Data)Rank
Total interest income$11,043,0001,958
Total interest expense$3,736,0001,874
Net interest income$7,307,0002,015
Provision for loan and lease losses$543,0001,549
Total noninterest income$3,394,0001,253
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$2,066,000629
Trading account gains and fees$0153
Additional Noninterest Income$1,328,0001,677
Total noninterest expense$6,617,0001,799
Salaries and employee benefits$4,094,0001,584
Premises and equipment expense$708,0002,382
Additional noninterest expense$1,815,0001,973
Pre-tax net operating income$3,541,0001,768
Securities gains (losses)$17,0003,051
Applicable income taxes$1,138,0001,674
Income before extraordinary items$2,420,0001,986
Extraordinary gains, net$040
Net income$2,420,0001,985
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$387,0001,423
Cash dividends$936,0001,832
Sale, conversion, retirement of capital stock, net$0722
Net operating income$2,408,4401,883
2003-06-30 (YTD Data)Rank
Total interest income$7,359,0001,977
Total interest expense$2,560,0001,881
Net interest income$4,799,0002,040
Provision for loan and lease losses$401,0001,384
Total noninterest income$2,277,0001,236
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$1,361,000628
Trading account gains and fees$0150
Additional Noninterest Income$916,0001,618
Total noninterest expense$4,325,0001,826
Salaries and employee benefits$2,666,0001,610
Premises and equipment expense$461,0002,420
Additional noninterest expense$1,198,0001,994
Pre-tax net operating income$2,350,0001,774
Securities gains (losses)$15,0002,750
Applicable income taxes$752,0001,712
Income before extraordinary items$1,613,0001,974
Extraordinary gains, net$030
Net income$1,613,0001,973
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$272,0001,336
Cash dividends$624,0001,843
Sale, conversion, retirement of capital stock, net$0589
Net operating income$1,602,8001,877
2003-03-31 (YTD Data)Rank
Total interest income$3,640,0002,008
Total interest expense$1,301,0001,896
Net interest income$2,339,0002,094
Provision for loan and lease losses$153,0001,654
Total noninterest income$935,0001,400
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$645,000644
Trading account gains and fees$0134
Additional Noninterest Income$290,0002,157
Total noninterest expense$2,082,0001,887
Salaries and employee benefits$1,279,0001,669
Premises and equipment expense$227,0002,452
Additional noninterest expense$576,0002,045
Pre-tax net operating income$1,039,0001,973
Securities gains (losses)$2,0002,590
Applicable income taxes$296,0002,075
Income before extraordinary items$745,0002,100
Extraordinary gains, net$021
Net income$745,0002,098
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$71,0001,835
Cash dividends$312,0001,716
Sale, conversion, retirement of capital stock, net$0419
Net operating income$743,5601,990
2002-12-31 (YTD Data)Rank
Total interest income$15,101,0002,039
Total interest expense$5,041,0002,229
Net interest income$10,060,0001,935
Provision for loan and lease losses$884,0001,509
Total noninterest income$3,795,0001,302
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$2,770,000589
Trading account gains and fees$0153
Additional Noninterest Income$1,025,0002,139
Total noninterest expense$8,446,0001,797
Salaries and employee benefits$4,973,0001,620
Premises and equipment expense$932,0002,328
Additional noninterest expense$2,541,0001,831
Pre-tax net operating income$4,525,0001,795
Securities gains (losses)$21,0003,108
Applicable income taxes$1,231,0001,913
Income before extraordinary items$3,315,0001,806
Extraordinary gains, net$070
Net income$3,315,0001,805
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$620,0001,395
Cash dividends$1,179,0001,986
Sale, conversion, retirement of capital stock, net$0862
Net operating income$3,299,6701,755
2001-12-31 (YTD Data)Rank
Total interest income$16,702,0002,056
Total interest expense$7,689,0002,092
Net interest income$9,013,0001,974
Provision for loan and lease losses$689,0001,696
Total noninterest income$3,845,0001,214
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$2,673,000570
Trading account gains and fees$0177
Additional Noninterest Income$1,172,0001,829
Total noninterest expense$8,303,0001,756
Salaries and employee benefits$4,431,0001,702
Premises and equipment expense$966,0002,216
Additional noninterest expense$2,906,0001,597
Pre-tax net operating income$3,866,0001,820
Securities gains (losses)$17,0003,266
Applicable income taxes$925,0002,190
Income before extraordinary items$2,958,0001,779
Extraordinary gains, net$0105
Net income$2,958,0001,779
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$625,0001,326
Cash dividends$1,191,0002,003
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,945,0801,719
2000-12-31 (YTD Data)Rank
Total interest income$16,321,0002,159
Total interest expense$7,460,0002,277
Net interest income$8,861,0002,000
Provision for loan and lease losses$763,0001,315
Total noninterest income$3,447,0001,192
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$2,269,000591
Trading account gains and fees$0180
Additional Noninterest Income$1,178,0001,667
Total noninterest expense$7,482,0001,862
Salaries and employee benefits$3,936,0001,827
Premises and equipment expense$944,0002,189
Additional noninterest expense$2,602,0001,704
Pre-tax net operating income$4,063,0001,797
Securities gains (losses)$4,0001,432
Applicable income taxes$1,081,0001,987
Income before extraordinary items$2,986,0001,759
Extraordinary gains, net$038
Net income$2,986,0001,759
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$735,000935
Cash dividends$957,0002,378
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,983,0801,754
1999-12-31 (YTD Data)Rank
Total interest income$15,246,0002,142
Total interest expense$6,111,0002,409
Net interest income$9,135,0001,932
Provision for loan and lease losses$590,0001,545
Total noninterest income$2,538,0001,548
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,399,000942
Trading account gains and fees$0173
Additional Noninterest Income$1,139,0001,708
Total noninterest expense$6,872,0001,989
Salaries and employee benefits$3,649,0001,916
Premises and equipment expense$963,0002,121
Additional noninterest expense$2,260,0001,927
Pre-tax net operating income$4,211,0001,761
Securities gains (losses)$-20,0009,544
Applicable income taxes$1,191,0001,937
Income before extraordinary items$3,000,0001,778
Extraordinary gains, net$035
Net income$3,000,0001,779
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$257,0002,042
Cash dividends$888,0002,497
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$3,014,4001,734
1998-12-31 (YTD Data)Rank
Total interest income$14,512,0002,246
Total interest expense$5,982,0002,529
Net interest income$8,530,0002,005
Provision for loan and lease losses$690,0001,327
Total noninterest income$2,458,0001,559
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,348,000921
Trading account gains and fees$0224
Additional Noninterest Income$1,110,0001,720
Total noninterest expense$6,629,0001,970
Salaries and employee benefits$3,508,0001,895
Premises and equipment expense$969,0002,018
Additional noninterest expense$2,152,0001,970
Pre-tax net operating income$3,669,0001,976
Securities gains (losses)$21,0002,394
Applicable income taxes$1,039,0002,240
Income before extraordinary items$2,651,0001,977
Extraordinary gains, net$032
Net income$2,651,0001,976
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$644,0001,033
Cash dividends$816,0002,554
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,635,8801,914
1997-12-31 (YTD Data)Rank
Total interest income$13,469,0002,429
Total interest expense$5,356,0002,794
Net interest income$8,113,0002,154
Provision for loan and lease losses$430,0001,986
Total noninterest income$1,914,0001,837
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,301,000971
Trading account gains and fees$0239
Additional Noninterest Income$613,0002,440
Total noninterest expense$5,878,0002,189
Salaries and employee benefits$3,118,0002,114
Premises and equipment expense$925,0002,129
Additional noninterest expense$1,835,0002,267
Pre-tax net operating income$3,719,0002,023
Securities gains (losses)$13,0002,177
Applicable income taxes$1,107,0002,235
Income before extraordinary items$2,625,0002,011
Extraordinary gains, net$044
Net income$2,625,0002,010
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$338,0001,815
Cash dividends$816,0002,522
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,615,9001,965
1996-12-31 (YTD Data)Rank
Total interest income$12,401,0002,684
Total interest expense$4,978,0003,015
Net interest income$7,423,0002,424
Provision for loan and lease losses$480,0001,787
Total noninterest income$1,880,0001,942
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,297,0001,017
Trading account gains and fees$0262
Additional Noninterest Income$583,0002,614
Total noninterest expense$5,185,0002,625
Salaries and employee benefits$2,908,0002,283
Premises and equipment expense$820,0002,390
Additional noninterest expense$1,457,0003,198
Pre-tax net operating income$3,638,0001,986
Securities gains (losses)$8,0002,673
Applicable income taxes$1,109,0002,146
Income before extraordinary items$2,537,0001,950
Extraordinary gains, net$053
Net income$2,537,0001,951
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$368,0001,785
Cash dividends$816,0002,459
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,531,4001,917
1995-12-31 (YTD Data)Rank
Total interest income$11,399,0002,924
Total interest expense$4,500,0003,305
Net interest income$6,899,0002,599
Provision for loan and lease losses$285,0002,365
Total noninterest income$1,682,0002,106
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,165,0001,143
Trading account gains and fees$0522
Additional Noninterest Income$517,0002,808
Total noninterest expense$4,951,0002,745
Salaries and employee benefits$2,731,0002,436
Premises and equipment expense$779,0002,554
Additional noninterest expense$1,441,0003,193
Pre-tax net operating income$3,345,0002,198
Securities gains (losses)$7,0002,620
Applicable income taxes$992,0002,400
Income before extraordinary items$2,360,0002,150
Extraordinary gains, net$065
Net income$2,360,0002,148
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$262,0002,121
Cash dividends$1,272,0001,695
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,355,1002,117
1994-12-31 (YTD Data)Rank
Total interest income$9,715,0003,111
Total interest expense$3,345,0003,577
Net interest income$6,370,0002,842
Provision for loan and lease losses$220,0002,852
Total noninterest income$1,546,0002,239
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,042,0001,290
Trading account gains and fees$0475
Additional Noninterest Income$504,0002,932
Total noninterest expense$4,649,0002,969
Salaries and employee benefits$2,509,0002,651
Premises and equipment expense$718,0002,768
Additional noninterest expense$1,422,0003,481
Pre-tax net operating income$3,047,0002,338
Securities gains (losses)$-65,00011,238
Applicable income taxes$855,0002,617
Income before extraordinary items$2,127,0002,279
Extraordinary gains, net$0249
Net income$2,127,0002,276
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$219,0002,342
Cash dividends$960,0001,994
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,173,1502,269
1993-12-31 (YTD Data)Rank
Total interest income$8,640,0003,551
Total interest expense$2,944,0004,173
Net interest income$5,696,0003,180
Provision for loan and lease losses$475,0002,177
Total noninterest income$1,712,0002,205
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$941,0001,437
Trading account gains and fees$0532
Additional Noninterest Income$771,0002,445
Total noninterest expense$4,215,0003,326
Salaries and employee benefits$2,319,0002,840
Premises and equipment expense$572,0003,470
Additional noninterest expense$1,324,0003,877
Pre-tax net operating income$2,718,0002,517
Securities gains (losses)$11,0005,374
Applicable income taxes$722,0003,032
Income before extraordinary items$2,007,0002,507
Extraordinary gains, net$03,149
Net income$2,007,0002,598
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$213,0003,020
Cash dividends$1,524,0001,257
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,998,8602,371
1992-12-31 (YTD Data)Rank
Total interest income$8,528,0004,053
Total interest expense$3,472,0004,571
Net interest income$5,056,0003,590
Provision for loan and lease losses$550,0002,794
Total noninterest income$1,379,0002,550
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$849,0001,602
Trading account gains and feesNANA
Additional Noninterest Income$530,0003,068
Total noninterest expense$3,574,0003,864
Salaries and employee benefits$1,961,0003,261
Premises and equipment expense$466,0004,222
Additional noninterest expense$1,147,0004,527
Pre-tax net operating income$2,311,0002,703
Securities gains (losses)$3,0007,429
Applicable income taxes$660,0003,149
Income before extraordinary items$1,654,0002,786
Extraordinary gains, net$01,422
Net income$1,654,0002,823
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$373,0002,941
Cash dividends$408,0003,250
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,651,8702,579

* 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.