text: INTEREST INCOME: 
  
  Interest and fees on loans 
  Interest on investment securities: 
  
  Taxable 
  Exempt from federal income tax 
  Interest on federal funds sold and interest-bearing 
  deposits in banks 
  
  Total interest income 
  
  INTEREST EXPENSE: 
  Interest on deposits 
  Other 
  
  Total interest expense 
  
  Net interest income 
  
  PROVISION FOR LOAN LOSSES 
  
  Net interest income after provision for loan losses 
  
  NONINTEREST INCOME: 
  Trust department income 
  Service fees on deposit accounts 
  ATM fees 
  Real estate mortgage fees 
  Net gain on securities transactions 
  Other 
  
  Total noninterest income 
  
  NONINTEREST EXPENSE: 
  
  Salaries and employee benefits 
  Net occupancy expense 
  Equipment expense 
  Printing, stationary and supplies 
  Correspondent bank service charges 
  Amortization of intangible assets 
  Other expenses 
  
  Total noninterest expense 
  
  EARNINGS BEFORE INCOME TAXES 
  
  INCOME TAX EXPENSE 
  
  NET EARNINGS 
  
  NET EARNINGS PER SHARE, BASIC 
  
  NET EARNINGS PER SHARE, ASSUMING DILUTION 