Interest Income and Interest Expense

12 Months Ended

Dec. 31, 2011

Notes to Financial Statements

Interest Income and Interest Expense

NOTE S   INTEREST INCOME AND INTEREST EXPENSE

Major categories of interest income and interest expense are as follows:

	December 31,
	2011		2010		2009
INTEREST INCOME
Interest and Fees on Loans:
Real Estate Loans	$	3,395,911	$	3,588,326	$	3,531,844
Installment Loans		126,077		138,452		132,183
Credit Cards and Related Plans		1,883,551		1,985,136		2,092,520
Commercial and All Other Loans		326,790		264,302		237,431
Interest on Certificates of Deposit		34,195		54,790		58,028
Interest and Dividends on Investment Securities		7,788		15,496		33,933
Interest on Federal Funds Sold		17,448		20,151		24,970
	$	5,791,760	$	6,066,653	$	6,110,909
INTEREST EXPENSE
Interest on Time Deposits of $100,000 or More	$	44,949	$	59,406	$	81,297
Interest on Other Deposits		306,618		313,248		309,235
Interest on Notes Payable		74,421		74,584		93,782
	$	425,988	$	447,238	$	484,314