Home > Bank of Bolivar > Income and Expense

Bank of Bolivar, Income and Expense

2020-06-30 (YTD Data)		Rank
Total interest income	$5,778,000	2,344
Total interest expense	$810,000	2,474
Net interest income	$4,968,000	2,288
Provision for loan and lease losses	$325,000	1,964
Total noninterest income	$542,000	2,720
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$107,000	2,730
Trading account gains and fees	NA	NA
Additional Noninterest Income	$435,000	2,515
Total noninterest expense	$3,234,000	2,556
Salaries and employee benefits	$1,886,000	2,573
Premises and equipment expense	$318,000	2,665
Additional noninterest expense	$1,030,000	2,464
Pre-tax net operating income	$1,951,000	2,042
Securities gains (losses)	$45,000	1,339
Applicable income taxes	$436,000	1,456
Income before extraordinary items	$1,560,000	2,187
Extraordinary gains, net	$0	4
Net income	$1,560,000	2,187
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,560,000	2,187
Net charge-offs	$7,000	2,562
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,524,450	2,178
2020-03-31 (YTD Data)		Rank
Total interest income	$1,484,000	3,396
Total interest expense	$277,000	3,120
Net interest income	$1,207,000	3,411
Provision for loan and lease losses	$85,000	2,108
Total noninterest income	$161,000	3,287
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$41,000	3,299
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	2,978
Total noninterest expense	$838,000	3,701
Salaries and employee benefits	$484,000	3,644
Premises and equipment expense	$81,000	3,759
Additional noninterest expense	$273,000	3,615
Pre-tax net operating income	$445,000	2,933
Securities gains (losses)	$-11,000	4,805
Applicable income taxes	$96,000	1,971
Income before extraordinary items	$338,000	3,135
Extraordinary gains, net	$0	4
Net income	$338,000	3,135
Minority interest net income	$0	56
Net income of bank and minority interests.	$338,000	3,136
Net charge-offs	$3,000	2,231
Cash dividends	$2,246,000	489
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$346,690	3,077
2019-12-31 (YTD Data)		Rank
Total interest income	$14,047,000	2,028
Total interest expense	$3,249,000	1,709
Net interest income	$10,798,000	2,098
Provision for loan and lease losses	$230,000	2,227
Total noninterest income	$1,518,000	2,275
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$455,000	2,051
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,063,000	2,174
Total noninterest expense	$9,020,000	2,069
Salaries and employee benefits	$5,112,000	2,078
Premises and equipment expense	$1,052,000	1,973
Additional noninterest expense	$2,856,000	2,003
Pre-tax net operating income	$3,066,000	2,419
Securities gains (losses)	$89,000	990
Applicable income taxes	$463,000	2,052
Income before extraordinary items	$2,692,000	2,461
Extraordinary gains, net	$0	11
Net income	$2,692,000	2,462
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,692,000	2,463
Net charge-offs	$96,000	2,230
Cash dividends	$825,000	2,547
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,616,350	2,478
2019-09-30 (YTD Data)		Rank
Total interest income	$10,426,000	2,069
Total interest expense	$2,448,000	1,720
Net interest income	$7,978,000	2,143
Provision for loan and lease losses	$212,000	1,913
Total noninterest income	$1,188,000	2,239
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$332,000	2,095
Trading account gains and fees	NA	NA
Additional Noninterest Income	$856,000	2,093
Total noninterest expense	$6,797,000	2,066
Salaries and employee benefits	$3,824,000	2,087
Premises and equipment expense	$772,000	2,017
Additional noninterest expense	$2,201,000	1,963
Pre-tax net operating income	$2,157,000	2,590
Securities gains (losses)	$45,000	1,104
Applicable income taxes	$282,000	2,279
Income before extraordinary items	$1,920,000	2,598
Extraordinary gains, net	$0	11
Net income	$1,920,000	2,599
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,920,000	2,599
Net charge-offs	$21,000	2,686
Cash dividends	$430,000	2,635
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,880,850	2,590
2019-06-30 (YTD Data)		Rank
Total interest income	$6,813,000	2,101
Total interest expense	$1,598,000	1,717
Net interest income	$5,215,000	2,193
Provision for loan and lease losses	$142,000	1,909
Total noninterest income	$763,000	2,245
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$212,000	2,121
Trading account gains and fees	NA	NA
Additional Noninterest Income	$551,000	2,093
Total noninterest expense	$4,538,000	2,074
Salaries and employee benefits	$2,532,000	2,098
Premises and equipment expense	$509,000	2,041
Additional noninterest expense	$1,497,000	1,940
Pre-tax net operating income	$1,298,000	2,736
Securities gains (losses)	$38,000	827
Applicable income taxes	$141,000	2,458
Income before extraordinary items	$1,195,000	2,679
Extraordinary gains, net	$0	11
Net income	$1,195,000	2,678
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,195,000	2,678
Net charge-offs	$12,000	2,529
Cash dividends	$370,000	2,422
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,161,180	2,695
2019-03-31 (YTD Data)		Rank
Total interest income	$3,317,000	2,140
Total interest expense	$765,000	1,727
Net interest income	$2,552,000	2,235
Provision for loan and lease losses	$65,000	1,834
Total noninterest income	$243,000	2,800
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$101,000	2,189
Trading account gains and fees	NA	NA
Additional Noninterest Income	$142,000	2,812
Total noninterest expense	$2,313,000	2,052
Salaries and employee benefits	$1,271,000	2,109
Premises and equipment expense	$247,000	2,097
Additional noninterest expense	$795,000	1,831
Pre-tax net operating income	$417,000	3,317
Securities gains (losses)	$5,000	841
Applicable income taxes	$25,000	3,045
Income before extraordinary items	$397,000	3,230
Extraordinary gains, net	$0	5
Net income	$397,000	3,228
Minority interest net income	$0	52
Net income of bank and minority interests.	$397,000	3,229
Net charge-offs	$11,000	1,939
Cash dividends	$100,000	2,404
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$392,300	3,245
2018-12-31 (YTD Data)		Rank
Total interest income	$12,280,000	2,168
Total interest expense	$2,278,000	1,770
Net interest income	$10,002,000	2,249
Provision for loan and lease losses	$303,000	1,951
Total noninterest income	$1,115,000	2,712
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$361,000	2,448
Trading account gains and fees	NA	NA
Additional Noninterest Income	$754,000	2,572
Total noninterest expense	$8,721,000	2,109
Salaries and employee benefits	$4,866,000	2,143
Premises and equipment expense	$923,000	2,161
Additional noninterest expense	$2,932,000	1,960
Pre-tax net operating income	$2,093,000	3,064
Securities gains (losses)	$305,000	176
Applicable income taxes	$337,000	2,298
Income before extraordinary items	$2,061,000	2,888
Extraordinary gains, net	$0	6
Net income	$2,061,000	2,887
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,061,000	2,887
Net charge-offs	$11,000	3,326
Cash dividends	$801,000	2,451
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,798,700	3,092
2018-09-30 (YTD Data)		Rank
Total interest income	$8,999,000	2,196
Total interest expense	$1,557,000	1,819
Net interest income	$7,442,000	2,267
Provision for loan and lease losses	$240,000	1,788
Total noninterest income	$837,000	2,742
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$255,000	2,554
Trading account gains and fees	NA	NA
Additional Noninterest Income	$582,000	2,560
Total noninterest expense	$6,277,000	2,172
Salaries and employee benefits	$3,584,000	2,171
Premises and equipment expense	$657,000	2,253
Additional noninterest expense	$2,036,000	2,094
Pre-tax net operating income	$1,762,000	2,944
Securities gains (losses)	$313,000	164
Applicable income taxes	$304,000	2,229
Income before extraordinary items	$1,771,000	2,717
Extraordinary gains, net	$0	5
Net income	$1,771,000	2,716
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,771,000	2,716
Net charge-offs	$13,000	2,889
Cash dividends	$671,000	2,097
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,504,950	2,977
2018-06-30 (YTD Data)		Rank
Total interest income	$5,831,000	2,230
Total interest expense	$970,000	1,816
Net interest income	$4,861,000	2,302
Provision for loan and lease losses	$142,000	1,887
Total noninterest income	$543,000	2,766
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$162,000	2,636
Trading account gains and fees	NA	NA
Additional Noninterest Income	$381,000	2,590
Total noninterest expense	$4,127,000	2,205
Salaries and employee benefits	$2,354,000	2,207
Premises and equipment expense	$433,000	2,291
Additional noninterest expense	$1,340,000	2,126
Pre-tax net operating income	$1,135,000	2,965
Securities gains (losses)	$321,000	135
Applicable income taxes	$223,000	2,119
Income before extraordinary items	$1,233,000	2,622
Extraordinary gains, net	$0	6
Net income	$1,233,000	2,621
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,233,000	2,621
Net charge-offs	$8,000	2,667
Cash dividends	$596,000	1,799
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$960,150	3,017
2018-03-31 (YTD Data)		Rank
Total interest income	$2,808,000	2,293
Total interest expense	$450,000	1,852
Net interest income	$2,358,000	2,357
Provision for loan and lease losses	$62,000	1,867
Total noninterest income	$284,000	2,694
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$82,000	2,626
Trading account gains and fees	NA	NA
Additional Noninterest Income	$202,000	2,474
Total noninterest expense	$2,003,000	2,277
Salaries and employee benefits	$1,145,000	2,264
Premises and equipment expense	$220,000	2,304
Additional noninterest expense	$638,000	2,177
Pre-tax net operating income	$577,000	2,884
Securities gains (losses)	$4,000	555
Applicable income taxes	$73,000	2,425
Income before extraordinary items	$508,000	2,875
Extraordinary gains, net	$0	7
Net income	$508,000	2,875
Minority interest net income	$0	52
Net income of bank and minority interests.	$508,000	2,875
Net charge-offs	$4,000	2,263
Cash dividends	$96,000	2,375
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$504,520	2,870
2017-12-31 (YTD Data)		Rank
Total interest income	$10,377,000	2,379
Total interest expense	$1,442,000	1,989
Net interest income	$8,935,000	2,424
Provision for loan and lease losses	$170,000	2,549
Total noninterest income	$1,280,000	2,606
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$319,000	2,761
Trading account gains and fees	NA	NA
Additional Noninterest Income	$961,000	2,346
Total noninterest expense	$7,531,000	2,377
Salaries and employee benefits	$4,135,000	2,418
Premises and equipment expense	$894,000	2,267
Additional noninterest expense	$2,502,000	2,253
Pre-tax net operating income	$2,514,000	2,743
Securities gains (losses)	$0	2,243
Applicable income taxes	$565,000	2,329
Income before extraordinary items	$1,949,000	2,737
Extraordinary gains, net	$0	9
Net income	$1,949,000	2,736
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,949,000	2,737
Net charge-offs	$-111,000	5,320
Cash dividends	$1,459,000	1,750
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,949,000	2,721
2017-09-30 (YTD Data)		Rank
Total interest income	$7,631,000	2,420
Total interest expense	$1,027,000	2,043
Net interest income	$6,604,000	2,465
Provision for loan and lease losses	$109,000	2,587
Total noninterest income	$976,000	2,598
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$238,000	2,788
Trading account gains and fees	NA	NA
Additional Noninterest Income	$738,000	2,346
Total noninterest expense	$5,634,000	2,394
Salaries and employee benefits	$3,069,000	2,438
Premises and equipment expense	$672,000	2,279
Additional noninterest expense	$1,893,000	2,244
Pre-tax net operating income	$1,837,000	2,844
Securities gains (losses)	$0	2,274
Applicable income taxes	$426,000	2,207
Income before extraordinary items	$1,411,000	2,953
Extraordinary gains, net	$0	9
Net income	$1,411,000	2,952
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,411,000	2,953
Net charge-offs	$-117,000	5,382
Cash dividends	$837,000	1,886
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,411,000	2,932
2017-06-30 (YTD Data)		Rank
Total interest income	$4,988,000	2,436
Total interest expense	$654,000	2,068
Net interest income	$4,334,000	2,481
Provision for loan and lease losses	$76,000	2,463
Total noninterest income	$661,000	2,581
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$156,000	2,819
Trading account gains and fees	NA	NA
Additional Noninterest Income	$505,000	2,315
Total noninterest expense	$3,725,000	2,407
Salaries and employee benefits	$2,023,000	2,467
Premises and equipment expense	$438,000	2,315
Additional noninterest expense	$1,264,000	2,230
Pre-tax net operating income	$1,194,000	2,849
Securities gains (losses)	$0	1,906
Applicable income taxes	$278,000	2,210
Income before extraordinary items	$916,000	2,954
Extraordinary gains, net	$0	11
Net income	$916,000	2,954
Minority interest net income	$0	71
Net income of bank and minority interests.	$916,000	2,954
Net charge-offs	$-123,000	5,486
Cash dividends	$582,000	1,836
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$916,000	2,936
2017-03-31 (YTD Data)		Rank
Total interest income	$2,459,000	2,459
Total interest expense	$309,000	2,122
Net interest income	$2,150,000	2,500
Provision for loan and lease losses	$40,000	2,253
Total noninterest income	$288,000	2,761
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$77,000	2,837
Trading account gains and fees	NA	NA
Additional Noninterest Income	$211,000	2,513
Total noninterest expense	$1,799,000	2,505
Salaries and employee benefits	$985,000	2,540
Premises and equipment expense	$227,000	2,300
Additional noninterest expense	$587,000	2,358
Pre-tax net operating income	$599,000	2,809
Securities gains (losses)	$0	1,153
Applicable income taxes	$143,000	2,161
Income before extraordinary items	$456,000	2,909
Extraordinary gains, net	$0	8
Net income	$456,000	2,909
Minority interest net income	$0	55
Net income of bank and minority interests.	$456,000	2,909
Net charge-offs	$-68,000	5,535
Cash dividends	$290,000	1,688
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$456,000	2,890
2016-12-31 (YTD Data)		Rank
Total interest income	$9,457,000	2,522
Total interest expense	$1,194,000	2,140
Net interest income	$8,263,000	2,552
Provision for loan and lease losses	$364,000	1,790
Total noninterest income	$1,134,000	2,835
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$336,000	2,762
Trading account gains and fees	$0	170
Additional Noninterest Income	$798,000	2,668
Total noninterest expense	$7,170,000	2,508
Salaries and employee benefits	$3,822,000	2,580
Premises and equipment expense	$915,000	2,284
Additional noninterest expense	$2,433,000	2,361
Pre-tax net operating income	$1,863,000	3,180
Securities gains (losses)	$108,000	1,285
Applicable income taxes	$379,000	2,488
Income before extraordinary items	$1,592,000	3,174
Extraordinary gains, net	$0	5
Net income	$1,592,000	3,173
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,592,000	3,173
Net charge-offs	$186,000	2,000
Cash dividends	$1,000,000	2,193
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,504,520	3,234
2016-09-30 (YTD Data)		Rank
Total interest income	$7,004,000	2,560
Total interest expense	$898,000	2,137
Net interest income	$6,106,000	2,590
Provision for loan and lease losses	$325,000	1,538
Total noninterest income	$863,000	2,830
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$249,000	2,786
Trading account gains and fees	$0	169
Additional Noninterest Income	$614,000	2,634
Total noninterest expense	$5,392,000	2,498
Salaries and employee benefits	$2,865,000	2,572
Premises and equipment expense	$679,000	2,306
Additional noninterest expense	$1,848,000	2,338
Pre-tax net operating income	$1,252,000	3,407
Securities gains (losses)	$108,000	1,200
Applicable income taxes	$239,000	2,672
Income before extraordinary items	$1,121,000	3,309
Extraordinary gains, net	$0	5
Net income	$1,121,000	3,307
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,121,000	3,309
Net charge-offs	$181,000	1,536
Cash dividends	$780,000	1,911
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,032,440	3,384
2016-06-30 (YTD Data)		Rank
Total interest income	$4,602,000	2,600
Total interest expense	$600,000	2,133
Net interest income	$4,002,000	2,639
Provision for loan and lease losses	$254,000	1,395
Total noninterest income	$569,000	2,832
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$161,000	2,831
Trading account gains and fees	$0	157
Additional Noninterest Income	$408,000	2,637
Total noninterest expense	$3,622,000	2,493
Salaries and employee benefits	$1,942,000	2,561
Premises and equipment expense	$446,000	2,335
Additional noninterest expense	$1,234,000	2,347
Pre-tax net operating income	$695,000	3,675
Securities gains (losses)	$108,000	914
Applicable income taxes	$121,000	2,873
Income before extraordinary items	$682,000	3,458
Extraordinary gains, net	$0	16
Net income	$682,000	3,454
Minority interest net income	$0	71
Net income of bank and minority interests.	$682,000	3,456
Net charge-offs	$176,000	1,226
Cash dividends	$640,000	1,719
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$590,200	3,646
2016-03-31 (YTD Data)		Rank
Total interest income	$2,263,000	2,624
Total interest expense	$296,000	2,161
Net interest income	$1,967,000	2,671
Provision for loan and lease losses	$122,000	1,361
Total noninterest income	$223,000	3,192
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$83,000	2,745
Trading account gains and fees	$0	142
Additional Noninterest Income	$140,000	3,072
Total noninterest expense	$1,854,000	2,461
Salaries and employee benefits	$1,004,000	2,509
Premises and equipment expense	$223,000	2,344
Additional noninterest expense	$627,000	2,307
Pre-tax net operating income	$214,000	4,350
Securities gains (losses)	$87,000	592
Applicable income taxes	$24,000	3,391
Income before extraordinary items	$277,000	3,755
Extraordinary gains, net	$0	12
Net income	$277,000	3,752
Minority interest net income	$0	62
Net income of bank and minority interests.	$277,000	3,753
Net charge-offs	$153,000	784
Cash dividends	$240,000	1,812
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$196,960	4,209
2015-12-31 (YTD Data)		Rank
Total interest income	$8,935,000	2,614
Total interest expense	$1,186,000	2,138
Net interest income	$7,749,000	2,668
Provision for loan and lease losses	$218,000	2,249
Total noninterest income	$1,314,000	2,656
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$368,000	2,679
Trading account gains and fees	$0	159
Additional Noninterest Income	$946,000	2,452
Total noninterest expense	$7,270,000	2,491
Salaries and employee benefits	$3,880,000	2,553
Premises and equipment expense	$851,000	2,437
Additional noninterest expense	$2,539,000	2,310
Pre-tax net operating income	$1,575,000	3,433
Securities gains (losses)	$83,000	1,280
Applicable income taxes	$205,000	2,929
Income before extraordinary items	$1,453,000	3,282
Extraordinary gains, net	$0	23
Net income	$1,453,000	3,283
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,453,000	3,284
Net charge-offs	$205,000	1,965
Cash dividends	$685,000	2,588
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,379,960	3,328
2015-09-30 (YTD Data)		Rank
Total interest income	$6,675,000	2,639
Total interest expense	$888,000	2,165
Net interest income	$5,787,000	2,695
Provision for loan and lease losses	$167,000	2,172
Total noninterest income	$984,000	2,687
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$265,000	2,755
Trading account gains and fees	$0	153
Additional Noninterest Income	$719,000	2,449
Total noninterest expense	$5,467,000	2,487
Salaries and employee benefits	$2,948,000	2,531
Premises and equipment expense	$625,000	2,508
Additional noninterest expense	$1,894,000	2,319
Pre-tax net operating income	$1,137,000	3,548
Securities gains (losses)	$83,000	1,149
Applicable income taxes	$147,000	3,031
Income before extraordinary items	$1,073,000	3,390
Extraordinary gains, net	$0	21
Net income	$1,073,000	3,388
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,073,000	3,389
Net charge-offs	$201,000	1,546
Cash dividends	$300,000	2,790
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$999,960	3,447
2015-06-30 (YTD Data)		Rank
Total interest income	$4,366,000	2,682
Total interest expense	$591,000	2,179
Net interest income	$3,775,000	2,734
Provision for loan and lease losses	$123,000	1,990
Total noninterest income	$639,000	2,750
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$170,000	2,794
Trading account gains and fees	$0	157
Additional Noninterest Income	$469,000	2,479
Total noninterest expense	$3,696,000	2,467
Salaries and employee benefits	$1,991,000	2,524
Premises and equipment expense	$412,000	2,536
Additional noninterest expense	$1,293,000	2,276
Pre-tax net operating income	$595,000	3,905
Securities gains (losses)	$74,000	998
Applicable income taxes	$50,000	3,444
Income before extraordinary items	$619,000	3,611
Extraordinary gains, net	$0	22
Net income	$619,000	3,612
Minority interest net income	$0	75
Net income of bank and minority interests.	$619,000	3,613
Net charge-offs	$165,000	1,317
Cash dividends	$300,000	2,403
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$550,180	3,753
2015-03-31 (YTD Data)		Rank
Total interest income	$2,179,000	2,685
Total interest expense	$295,000	2,208
Net interest income	$1,884,000	2,733
Provision for loan and lease losses	$78,000	1,659
Total noninterest income	$305,000	2,781
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$83,000	2,821
Trading account gains and fees	$0	152
Additional Noninterest Income	$222,000	2,494
Total noninterest expense	$1,820,000	2,517
Salaries and employee benefits	$1,001,000	2,527
Premises and equipment expense	$205,000	2,599
Additional noninterest expense	$614,000	2,370
Pre-tax net operating income	$291,000	3,924
Securities gains (losses)	$11,000	1,447
Applicable income taxes	$16,000	3,628
Income before extraordinary items	$286,000	3,733
Extraordinary gains, net	$0	13
Net income	$286,000	3,736
Minority interest net income	$0	64
Net income of bank and minority interests.	$286,000	3,737
Net charge-offs	$115,000	1,016
Cash dividends	$150,000	2,039
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$275,550	3,721
2014-12-31 (YTD Data)		Rank
Total interest income	$8,462,000	2,767
Total interest expense	$1,167,000	2,305
Net interest income	$7,295,000	2,810
Provision for loan and lease losses	$87,000	3,353
Total noninterest income	$1,247,000	2,783
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$403,000	2,677
Trading account gains and fees	$0	180
Additional Noninterest Income	$844,000	2,570
Total noninterest expense	$6,883,000	2,654
Salaries and employee benefits	$3,696,000	2,667
Premises and equipment expense	$724,000	2,861
Additional noninterest expense	$2,463,000	2,442
Pre-tax net operating income	$1,572,000	3,397
Securities gains (losses)	$30,000	2,077
Applicable income taxes	$231,000	2,844
Income before extraordinary items	$1,371,000	3,398
Extraordinary gains, net	$0	17
Net income	$1,371,000	3,400
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,371,000	3,400
Net charge-offs	$397,000	1,734
Cash dividends	$870,000	2,208
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,345,200	3,377
2014-09-30 (YTD Data)		Rank
Total interest income	$6,297,000	2,802
Total interest expense	$874,000	2,363
Net interest income	$5,423,000	2,846
Provision for loan and lease losses	$49,000	3,438
Total noninterest income	$883,000	2,884
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$302,000	2,697
Trading account gains and fees	$0	174
Additional Noninterest Income	$581,000	2,693
Total noninterest expense	$5,097,000	2,679
Salaries and employee benefits	$2,758,000	2,675
Premises and equipment expense	$521,000	2,959
Additional noninterest expense	$1,818,000	2,481
Pre-tax net operating income	$1,160,000	3,508
Securities gains (losses)	$24,000	1,926
Applicable income taxes	$166,000	2,956
Income before extraordinary items	$1,018,000	3,466
Extraordinary gains, net	$0	15
Net income	$1,018,000	3,466
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,018,000	3,467
Net charge-offs	$343,000	1,483
Cash dividends	$790,000	1,753
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$997,360	3,454
2014-06-30 (YTD Data)		Rank
Total interest income	$4,151,000	2,832
Total interest expense	$592,000	2,348
Net interest income	$3,559,000	2,886
Provision for loan and lease losses	$4,000	4,097
Total noninterest income	$553,000	2,941
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$200,000	2,705
Trading account gains and fees	$0	172
Additional Noninterest Income	$353,000	2,818
Total noninterest expense	$3,411,000	2,667
Salaries and employee benefits	$1,831,000	2,700
Premises and equipment expense	$347,000	2,983
Additional noninterest expense	$1,233,000	2,420
Pre-tax net operating income	$697,000	3,599
Securities gains (losses)	$24,000	1,570
Applicable income taxes	$89,000	3,101
Income before extraordinary items	$632,000	3,532
Extraordinary gains, net	$0	20
Net income	$632,000	3,537
Minority interest net income	$0	80
Net income of bank and minority interests.	$632,000	3,538
Net charge-offs	$231,000	1,474
Cash dividends	$510,000	1,781
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$610,880	3,545
2014-03-31 (YTD Data)		Rank
Total interest income	$2,060,000	2,862
Total interest expense	$300,000	2,355
Net interest income	$1,760,000	2,912
Provision for loan and lease losses	$2,000	3,744
Total noninterest income	$233,000	3,186
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$96,000	2,751
Trading account gains and fees	$0	147
Additional Noninterest Income	$137,000	3,097
Total noninterest expense	$1,694,000	2,693
Salaries and employee benefits	$895,000	2,757
Premises and equipment expense	$180,000	2,964
Additional noninterest expense	$619,000	2,414
Pre-tax net operating income	$297,000	3,837
Securities gains (losses)	$13,000	1,084
Applicable income taxes	$29,000	3,308
Income before extraordinary items	$281,000	3,656
Extraordinary gains, net	$0	16
Net income	$281,000	3,658
Minority interest net income	$0	66
Net income of bank and minority interests.	$281,000	3,659
Net charge-offs	$223,000	877
Cash dividends	$250,000	1,571
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$269,170	3,682
2013-12-31 (YTD Data)		Rank
Total interest income	$8,730,000	2,742
Total interest expense	$1,348,000	2,368
Net interest income	$7,382,000	2,801
Provision for loan and lease losses	$52,000	4,237
Total noninterest income	$1,259,000	2,844
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$413,000	2,741
Trading account gains and fees	$0	184
Additional Noninterest Income	$846,000	2,598
Total noninterest expense	$6,920,000	2,654
Salaries and employee benefits	$3,646,000	2,697
Premises and equipment expense	$710,000	2,937
Additional noninterest expense	$2,564,000	2,400
Pre-tax net operating income	$1,669,000	3,203
Securities gains (losses)	$3,000	2,899
Applicable income taxes	$280,000	2,692
Income before extraordinary items	$1,392,000	3,298
Extraordinary gains, net	$0	29
Net income	$1,392,000	3,300
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,392,000	3,301
Net charge-offs	$-3,000	5,962
Cash dividends	$220,000	3,524
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,389,510	3,242
2013-09-30 (YTD Data)		Rank
Total interest income	$6,620,000	2,732
Total interest expense	$1,032,000	2,388
Net interest income	$5,588,000	2,785
Provision for loan and lease losses	$168,000	2,821
Total noninterest income	$986,000	2,843
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$300,000	2,821
Trading account gains and fees	$0	180
Additional Noninterest Income	$686,000	2,538
Total noninterest expense	$5,197,000	2,652
Salaries and employee benefits	$2,721,000	2,716
Premises and equipment expense	$517,000	3,033
Additional noninterest expense	$1,959,000	2,347
Pre-tax net operating income	$1,209,000	3,350
Securities gains (losses)	$3,000	2,773
Applicable income taxes	$198,000	2,798
Income before extraordinary items	$1,014,000	3,401
Extraordinary gains, net	$0	25
Net income	$1,014,000	3,404
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,014,000	3,405
Net charge-offs	$-45,000	6,443
Cash dividends	$120,000	3,237
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,011,480	3,332
2013-06-30 (YTD Data)		Rank
Total interest income	$4,415,000	2,734
Total interest expense	$701,000	2,391
Net interest income	$3,714,000	2,779
Provision for loan and lease losses	$126,000	2,656
Total noninterest income	$701,000	2,761
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$192,000	2,878
Trading account gains and fees	$0	157
Additional Noninterest Income	$509,000	2,450
Total noninterest expense	$3,413,000	2,694
Salaries and employee benefits	$1,821,000	2,731
Premises and equipment expense	$336,000	3,087
Additional noninterest expense	$1,256,000	2,435
Pre-tax net operating income	$876,000	3,158
Securities gains (losses)	$3,000	2,553
Applicable income taxes	$156,000	2,653
Income before extraordinary items	$723,000	3,253
Extraordinary gains, net	$0	22
Net income	$723,000	3,254
Minority interest net income	$0	82
Net income of bank and minority interests.	$723,000	3,256
Net charge-offs	$49,000	3,369
Cash dividends	$120,000	2,891
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$720,540	3,164
2013-03-31 (YTD Data)		Rank
Total interest income	$2,233,000	2,725
Total interest expense	$361,000	2,404
Net interest income	$1,872,000	2,772
Provision for loan and lease losses	$66,000	2,533
Total noninterest income	$269,000	3,151
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$90,000	2,991
Trading account gains and fees	$0	148
Additional Noninterest Income	$179,000	2,931
Total noninterest expense	$1,702,000	2,726
Salaries and employee benefits	$907,000	2,752
Premises and equipment expense	$172,000	3,062
Additional noninterest expense	$623,000	2,462
Pre-tax net operating income	$373,000	3,413
Securities gains (losses)	$3,000	1,729
Applicable income taxes	$58,000	2,891
Income before extraordinary items	$318,000	3,462
Extraordinary gains, net	$0	10
Net income	$318,000	3,462
Minority interest net income	$0	76
Net income of bank and minority interests.	$318,000	3,464
Net charge-offs	$17,000	3,178
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$315,450	3,389
2012-12-31 (YTD Data)		Rank
Total interest income	$9,286,000	2,748
Total interest expense	$1,739,000	2,413
Net interest income	$7,547,000	2,794
Provision for loan and lease losses	$452,000	2,845
Total noninterest income	$849,000	3,545
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$426,000	2,797
Trading account gains and fees	$0	166
Additional Noninterest Income	$423,000	3,564
Total noninterest expense	$6,796,000	2,734
Salaries and employee benefits	$3,554,000	2,743
Premises and equipment expense	$714,000	2,973
Additional noninterest expense	$2,528,000	2,535
Pre-tax net operating income	$1,148,000	3,800
Securities gains (losses)	$55,000	2,669
Applicable income taxes	$134,000	3,299
Income before extraordinary items	$1,069,000	3,772
Extraordinary gains, net	$0	29
Net income	$1,069,000	3,773
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,069,000	3,774
Net charge-offs	$299,000	3,303
Cash dividends	$739,000	2,330
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,020,050	3,714
2012-09-30 (YTD Data)		Rank
Total interest income	$7,023,000	2,787
Total interest expense	$1,330,000	2,467
Net interest income	$5,693,000	2,818
Provision for loan and lease losses	$791,000	1,725
Total noninterest income	$649,000	3,547
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$313,000	2,874
Trading account gains and fees	$0	157
Additional Noninterest Income	$336,000	3,525
Total noninterest expense	$5,067,000	2,752
Salaries and employee benefits	$2,652,000	2,776
Premises and equipment expense	$533,000	3,016
Additional noninterest expense	$1,882,000	2,562
Pre-tax net operating income	$484,000	4,747
Securities gains (losses)	$46,000	2,486
Applicable income taxes	$-25,000	6,812
Income before extraordinary items	$555,000	4,505
Extraordinary gains, net	$0	20
Net income	$555,000	4,504
Minority interest net income	$0	86
Net income of bank and minority interests.	$555,000	4,503
Net charge-offs	$727,000	1,778
Cash dividends	$289,000	2,613
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$509,000	4,444
2012-06-30 (YTD Data)		Rank
Total interest income	$4,707,000	2,803
Total interest expense	$912,000	2,487
Net interest income	$3,795,000	2,824
Provision for loan and lease losses	$731,000	1,383
Total noninterest income	$226,000	4,699
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$212,000	2,827
Trading account gains and fees	$0	153
Additional Noninterest Income	$14,000	6,336
Total noninterest expense	$3,376,000	2,763
Salaries and employee benefits	$1,765,000	2,779
Premises and equipment expense	$338,000	3,144
Additional noninterest expense	$1,273,000	2,535
Pre-tax net operating income	$-86,000	6,508
Securities gains (losses)	$46,000	2,098
Applicable income taxes	$-97,000	7,019
Income before extraordinary items	$57,000	6,193
Extraordinary gains, net	$0	19
Net income	$57,000	6,193
Minority interest net income	$0	84
Net income of bank and minority interests.	$57,000	6,193
Net charge-offs	$723,000	1,408
Cash dividends	$150,000	2,721
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$27,560	6,210
2012-03-31 (YTD Data)		Rank
Total interest income	$2,390,000	2,789
Total interest expense	$460,000	2,560
Net interest income	$1,930,000	2,803
Provision for loan and lease losses	$155,000	2,270
Total noninterest income	$183,000	3,834
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$105,000	2,825
Trading account gains and fees	$0	148
Additional Noninterest Income	$78,000	4,052
Total noninterest expense	$1,628,000	2,851
Salaries and employee benefits	$869,000	2,834
Premises and equipment expense	$164,000	3,233
Additional noninterest expense	$595,000	2,679
Pre-tax net operating income	$330,000	3,658
Securities gains (losses)	$0	2,210
Applicable income taxes	$44,000	3,166
Income before extraordinary items	$286,000	3,729
Extraordinary gains, net	$0	19
Net income	$286,000	3,731
Minority interest net income	$0	78
Net income of bank and minority interests.	$286,000	3,732
Net charge-offs	$117,000	2,319
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$286,000	3,561
2011-12-31 (YTD Data)		Rank
Total interest income	$9,987,000	2,759
Total interest expense	$2,074,000	2,701
Net interest income	$7,913,000	2,767
Provision for loan and lease losses	$1,262,000	2,096
Total noninterest income	$1,170,000	2,847
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$463,000	2,733
Trading account gains and fees	$0	146
Additional Noninterest Income	$707,000	2,629
Total noninterest expense	$6,659,000	2,782
Salaries and employee benefits	$3,384,000	2,824
Premises and equipment expense	$670,000	3,298
Additional noninterest expense	$2,605,000	2,512
Pre-tax net operating income	$1,162,000	3,453
Securities gains (losses)	$52,000	2,568
Applicable income taxes	$115,000	3,290
Income before extraordinary items	$1,099,000	3,372
Extraordinary gains, net	$0	29
Net income	$1,099,000	3,375
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,099,000	3,375
Net charge-offs	$1,488,000	1,885
Cash dividends	$230,000	3,233
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,051,680	3,339
2011-09-30 (YTD Data)		Rank
Total interest income	$7,586,000	2,758
Total interest expense	$1,579,000	2,758
Net interest income	$6,007,000	2,735
Provision for loan and lease losses	$889,000	2,128
Total noninterest income	$825,000	2,948
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$347,000	2,744
Trading account gains and fees	$0	145
Additional Noninterest Income	$478,000	2,769
Total noninterest expense	$4,976,000	2,784
Salaries and employee benefits	$2,532,000	2,829
Premises and equipment expense	$504,000	3,327
Additional noninterest expense	$1,940,000	2,531
Pre-tax net operating income	$967,000	3,370
Securities gains (losses)	$52,000	2,307
Applicable income taxes	$113,000	3,116
Income before extraordinary items	$906,000	3,264
Extraordinary gains, net	$0	21
Net income	$906,000	3,265
Minority interest net income	$0	87
Net income of bank and minority interests.	$906,000	3,265
Net charge-offs	$1,162,000	1,752
Cash dividends	$230,000	2,595
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$859,720	3,257
2011-06-30 (YTD Data)		Rank
Total interest income	$5,044,000	2,785
Total interest expense	$1,072,000	2,807
Net interest income	$3,972,000	2,752
Provision for loan and lease losses	$649,000	1,982
Total noninterest income	$549,000	2,956
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$230,000	2,734
Trading account gains and fees	$0	153
Additional Noninterest Income	$319,000	2,774
Total noninterest expense	$3,380,000	2,771
Salaries and employee benefits	$1,686,000	2,848
Premises and equipment expense	$338,000	3,346
Additional noninterest expense	$1,356,000	2,467
Pre-tax net operating income	$492,000	3,851
Securities gains (losses)	$42,000	1,689
Applicable income taxes	$10,000	4,094
Income before extraordinary items	$524,000	3,484
Extraordinary gains, net	$0	15
Net income	$524,000	3,485
Minority interest net income	$0	89
Net income of bank and minority interests.	$524,000	3,485
Net charge-offs	$1,005,000	1,469
Cash dividends	$230,000	2,177
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$482,840	3,554
2011-03-31 (YTD Data)		Rank
Total interest income	$2,525,000	2,800
Total interest expense	$554,000	2,815
Net interest income	$1,971,000	2,765
Provision for loan and lease losses	$364,000	1,748
Total noninterest income	$297,000	2,844
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$111,000	2,768
Trading account gains and fees	$0	158
Additional Noninterest Income	$186,000	2,576
Total noninterest expense	$1,643,000	2,861
Salaries and employee benefits	$838,000	2,885
Premises and equipment expense	$170,000	3,392
Additional noninterest expense	$635,000	2,603
Pre-tax net operating income	$261,000	3,754
Securities gains (losses)	$3,000	1,535
Applicable income taxes	$64,000	2,633
Income before extraordinary items	$200,000	3,989
Extraordinary gains, net	$0	9
Net income	$200,000	3,988
Minority interest net income	$0	86
Net income of bank and minority interests.	$200,000	3,989
Net charge-offs	$981,000	871
Cash dividends	$30,000	2,382
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$197,720	3,957
2010-12-31 (YTD Data)		Rank
Total interest income	$10,313,000	2,887
Total interest expense	$2,879,000	2,692
Net interest income	$7,434,000	2,924
Provision for loan and lease losses	$1,420,000	2,537
Total noninterest income	$1,349,000	2,703
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$570,000	2,398
Trading account gains and fees	$0	175
Additional Noninterest Income	$779,000	2,533
Total noninterest expense	$6,297,000	2,992
Salaries and employee benefits	$3,274,000	2,887
Premises and equipment expense	$692,000	3,329
Additional noninterest expense	$2,331,000	2,838
Pre-tax net operating income	$1,066,000	3,278
Securities gains (losses)	$206,000	1,557
Applicable income taxes	$335,000	2,260
Income before extraordinary items	$937,000	3,341
Extraordinary gains, net	$0	29
Net income	$937,000	3,338
Minority interest net income	$0	111
Net income of bank and minority interests.	$937,000	3,341
Net charge-offs	$852,000	2,899
Cash dividends	$120,000	3,613
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$784,560	3,512
2010-09-30 (YTD Data)		Rank
Total interest income	$7,750,000	2,936
Total interest expense	$2,215,000	2,743
Net interest income	$5,535,000	2,981
Provision for loan and lease losses	$989,000	2,526
Total noninterest income	$958,000	2,817
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$441,000	2,387
Trading account gains and fees	$0	165
Additional Noninterest Income	$517,000	2,712
Total noninterest expense	$4,702,000	2,994
Salaries and employee benefits	$2,450,000	2,902
Premises and equipment expense	$517,000	3,390
Additional noninterest expense	$1,735,000	2,802
Pre-tax net operating income	$802,000	3,462
Securities gains (losses)	$205,000	1,362
Applicable income taxes	$266,000	2,263
Income before extraordinary items	$741,000	3,410
Extraordinary gains, net	$0	23
Net income	$741,000	3,409
Minority interest net income	$0	110
Net income of bank and minority interests.	$741,000	3,410
Net charge-offs	$544,000	2,961
Cash dividends	$120,000	3,078
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$589,300	3,668
2010-06-30 (YTD Data)		Rank
Total interest income	$5,165,000	2,969
Total interest expense	$1,512,000	2,770
Net interest income	$3,653,000	3,007
Provision for loan and lease losses	$726,000	2,323
Total noninterest income	$620,000	2,803
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$299,000	2,364
Trading account gains and fees	$0	152
Additional Noninterest Income	$321,000	2,751
Total noninterest expense	$3,128,000	3,007
Salaries and employee benefits	$1,639,000	2,909
Premises and equipment expense	$342,000	3,447
Additional noninterest expense	$1,147,000	2,820
Pre-tax net operating income	$419,000	3,928
Securities gains (losses)	$174,000	1,025
Applicable income taxes	$192,000	2,170
Income before extraordinary items	$401,000	3,781
Extraordinary gains, net	$0	19
Net income	$401,000	3,779
Minority interest net income	$0	105
Net income of bank and minority interests.	$401,000	3,780
Net charge-offs	$153,000	3,805
Cash dividends	$120,000	2,699
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$282,680	4,270
2010-03-31 (YTD Data)		Rank
Total interest income	$2,638,000	2,959
Total interest expense	$779,000	2,817
Net interest income	$1,859,000	2,977
Provision for loan and lease losses	$340,000	2,255
Total noninterest income	$315,000	2,771
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$144,000	2,415
Trading account gains and fees	$0	175
Additional Noninterest Income	$171,000	2,625
Total noninterest expense	$1,555,000	3,056
Salaries and employee benefits	$812,000	2,969
Premises and equipment expense	$170,000	3,538
Additional noninterest expense	$573,000	2,822
Pre-tax net operating income	$279,000	3,492
Securities gains (losses)	$55,000	1,104
Applicable income taxes	$81,000	2,328
Income before extraordinary items	$253,000	3,460
Extraordinary gains, net	$0	16
Net income	$253,000	3,457
Minority interest net income	$0	91
Net income of bank and minority interests.	$253,000	3,459
Net charge-offs	$113,000	2,991
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$211,200	3,662
2009-12-31 (YTD Data)		Rank
Total interest income	$10,614,000	3,085
Total interest expense	$3,821,000	2,842
Net interest income	$6,793,000	3,122
Provision for loan and lease losses	$964,000	3,572
Total noninterest income	$1,222,000	2,944
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$610,000	2,514
Trading account gains and fees	$0	211
Additional Noninterest Income	$612,000	2,872
Total noninterest expense	$5,930,000	3,207
Salaries and employee benefits	$2,917,000	3,266
Premises and equipment expense	$712,000	3,406
Additional noninterest expense	$2,301,000	2,948
Pre-tax net operating income	$1,121,000	2,816
Securities gains (losses)	$175,000	1,656
Applicable income taxes	$395,000	1,775
Income before extraordinary items	$901,000	2,948
Extraordinary gains, net	$0	34
Net income	$901,000	2,947
Minority interest net income	$0	115
Net income of bank and minority interests.	$901,000	2,948
Net charge-offs	$791,000	3,189
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$778,500	3,132
2009-09-30 (YTD Data)		Rank
Total interest income	$8,094,000	3,074
Total interest expense	$2,984,000	2,872
Net interest income	$5,110,000	3,136
Provision for loan and lease losses	$690,000	3,309
Total noninterest income	$904,000	3,022
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$448,000	2,558
Trading account gains and fees	$0	212
Additional Noninterest Income	$456,000	2,970
Total noninterest expense	$4,426,000	3,236
Salaries and employee benefits	$2,189,000	3,288
Premises and equipment expense	$522,000	3,515
Additional noninterest expense	$1,715,000	2,943
Pre-tax net operating income	$898,000	2,928
Securities gains (losses)	$131,000	1,628
Applicable income taxes	$321,000	1,866
Income before extraordinary items	$708,000	3,101
Extraordinary gains, net	$0	27
Net income	$708,000	3,098
Minority interest net income	$0	118
Net income of bank and minority interests.	$708,000	3,101
Net charge-offs	$702,000	2,629
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$617,610	3,241
2009-06-30 (YTD Data)		Rank
Total interest income	$5,375,000	3,114
Total interest expense	$2,050,000	2,904
Net interest income	$3,325,000	3,178
Provision for loan and lease losses	$344,000	3,513
Total noninterest income	$687,000	2,781
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$277,000	2,663
Trading account gains and fees	$0	193
Additional Noninterest Income	$410,000	2,521
Total noninterest expense	$2,988,000	3,227
Salaries and employee benefits	$1,453,000	3,322
Premises and equipment expense	$349,000	3,539
Additional noninterest expense	$1,186,000	2,859
Pre-tax net operating income	$680,000	2,821
Securities gains (losses)	$78,000	1,642
Applicable income taxes	$248,000	1,738
Income before extraordinary items	$510,000	3,054
Extraordinary gains, net	$0	21
Net income	$510,000	3,051
Minority interest net income	$0	112
Net income of bank and minority interests.	$510,000	3,053
Net charge-offs	$66,000	4,659
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$457,740	3,144
2009-03-31 (YTD Data)		Rank
Total interest income	$2,686,000	3,145
Total interest expense	$1,048,000	2,946
Net interest income	$1,638,000	3,203
Provision for loan and lease losses	$157,000	3,162
Total noninterest income	$289,000	3,091
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$130,000	2,736
Trading account gains and fees	$0	171
Additional Noninterest Income	$159,000	2,871
Total noninterest expense	$1,466,000	3,197
Salaries and employee benefits	$724,000	3,372
Premises and equipment expense	$168,000	3,672
Additional noninterest expense	$574,000	2,664
Pre-tax net operating income	$304,000	3,317
Securities gains (losses)	$19,000	1,701
Applicable income taxes	$115,000	2,038
Income before extraordinary items	$208,000	3,798
Extraordinary gains, net	$0	15
Net income	$208,000	3,798
Minority interest net income	$0	102
Net income of bank and minority interests.	$208,000	3,799
Net charge-offs	$17,000	4,442
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$195,840	3,751
2008-12-31 (YTD Data)		Rank
Total interest income	$11,104,000	3,250
Total interest expense	$5,037,000	2,948
Net interest income	$6,067,000	3,452
Provision for loan and lease losses	$390,000	4,176
Total noninterest income	$1,348,000	2,824
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$636,000	2,535
Trading account gains and fees	$0	154
Additional Noninterest Income	$712,000	2,627
Total noninterest expense	$5,136,000	3,487
Salaries and employee benefits	$2,758,000	3,485
Premises and equipment expense	$624,000	3,818
Additional noninterest expense	$1,754,000	3,201
Pre-tax net operating income	$1,889,000	2,563
Securities gains (losses)	$1,000	3,084
Applicable income taxes	$540,000	1,772
Income before extraordinary items	$1,350,000	2,712
Extraordinary gains, net	$0	39
Net income	$1,350,000	2,711
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$364,000	3,260
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,349,290	2,854
2008-09-30 (YTD Data)		Rank
Total interest income	$8,397,000	3,288
Total interest expense	$3,885,000	2,978
Net interest income	$4,512,000	3,490
Provision for loan and lease losses	$334,000	3,368
Total noninterest income	$1,039,000	2,831
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$484,000	2,521
Trading account gains and fees	$0	148
Additional Noninterest Income	$555,000	2,647
Total noninterest expense	$3,797,000	3,510
Salaries and employee benefits	$2,078,000	3,498
Premises and equipment expense	$450,000	3,941
Additional noninterest expense	$1,269,000	3,222
Pre-tax net operating income	$1,420,000	2,953
Securities gains (losses)	$1,000	2,971
Applicable income taxes	$390,000	2,185
Income before extraordinary items	$1,031,000	3,035
Extraordinary gains, net	$0	31
Net income	$1,031,000	3,031
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$267,000	2,699
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,030,270	3,188
2008-06-30 (YTD Data)		Rank
Total interest income	$5,671,000	3,298
Total interest expense	$2,684,000	2,998
Net interest income	$2,987,000	3,503
Provision for loan and lease losses	$59,000	5,056
Total noninterest income	$740,000	2,747
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$316,000	2,534
Trading account gains and fees	$0	149
Additional Noninterest Income	$424,000	2,490
Total noninterest expense	$2,504,000	3,568
Salaries and employee benefits	$1,384,000	3,545
Premises and equipment expense	$289,000	4,070
Additional noninterest expense	$831,000	3,254
Pre-tax net operating income	$1,164,000	2,639
Securities gains (losses)	$0	3,233
Applicable income taxes	$329,000	2,101
Income before extraordinary items	$835,000	2,962
Extraordinary gains, net	$0	21
Net income	$835,000	2,964
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	4,683
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$835,000	2,918
2008-03-31 (YTD Data)		Rank
Total interest income	$2,946,000	3,280
Total interest expense	$1,417,000	3,040
Net interest income	$1,529,000	3,436
Provision for loan and lease losses	$33,000	4,291
Total noninterest income	$391,000	2,637
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$157,000	2,520
Trading account gains and fees	$0	158
Additional Noninterest Income	$234,000	2,325
Total noninterest expense	$1,218,000	3,650
Salaries and employee benefits	$684,000	3,612
Premises and equipment expense	$145,000	4,090
Additional noninterest expense	$389,000	3,399
Pre-tax net operating income	$669,000	2,506
Securities gains (losses)	$0	2,688
Applicable income taxes	$188,000	2,052
Income before extraordinary items	$481,000	2,781
Extraordinary gains, net	$0	15
Net income	$481,000	2,783
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,902
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$481,000	2,699
2007-12-31 (YTD Data)		Rank
Total interest income	$12,478,000	3,177
Total interest expense	$5,954,000	3,017
Net interest income	$6,524,000	3,287
Provision for loan and lease losses	$354,000	2,900
Total noninterest income	$1,267,000	3,031
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$589,000	2,710
Trading account gains and fees	$0	178
Additional Noninterest Income	$678,000	2,807
Total noninterest expense	$4,468,000	3,780
Salaries and employee benefits	$2,361,000	3,889
Premises and equipment expense	$476,000	4,515
Additional noninterest expense	$1,631,000	3,182
Pre-tax net operating income	$2,969,000	2,493
Securities gains (losses)	$0	2,146
Applicable income taxes	$923,000	1,954
Income before extraordinary items	$2,046,000	2,765
Extraordinary gains, net	$0	39
Net income	$2,046,000	2,764
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$204,000	2,834
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,046,000	2,747
2007-09-30 (YTD Data)		Rank
Total interest income	$9,280,000	3,200
Total interest expense	$4,423,000	3,045
Net interest income	$4,857,000	3,309
Provision for loan and lease losses	$306,000	2,282
Total noninterest income	$978,000	2,963
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$442,000	2,695
Trading account gains and fees	$0	184
Additional Noninterest Income	$536,000	2,724
Total noninterest expense	$3,229,000	3,880
Salaries and employee benefits	$1,724,000	3,946
Premises and equipment expense	$333,000	4,700
Additional noninterest expense	$1,172,000	3,251
Pre-tax net operating income	$2,300,000	2,572
Securities gains (losses)	$0	1,655
Applicable income taxes	$722,000	2,041
Income before extraordinary items	$1,578,000	2,864
Extraordinary gains, net	$0	33
Net income	$1,578,000	2,863
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$178,000	2,121
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,578,000	2,850
2007-06-30 (YTD Data)		Rank
Total interest income	$6,070,000	3,264
Total interest expense	$2,910,000	3,078
Net interest income	$3,160,000	3,406
Provision for loan and lease losses	$225,000	1,984
Total noninterest income	$674,000	2,912
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$288,000	2,737
Trading account gains and fees	$0	168
Additional Noninterest Income	$386,000	2,625
Total noninterest expense	$2,090,000	3,995
Salaries and employee benefits	$1,125,000	4,039
Premises and equipment expense	$213,000	4,833
Additional noninterest expense	$752,000	3,356
Pre-tax net operating income	$1,519,000	2,650
Securities gains (losses)	$0	1,444
Applicable income taxes	$478,000	2,131
Income before extraordinary items	$1,041,000	2,946
Extraordinary gains, net	$0	29
Net income	$1,041,000	2,945
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$165,000	1,522
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,041,000	2,933
2007-03-31 (YTD Data)		Rank
Total interest income	$3,019,000	3,269
Total interest expense	$1,433,000	3,105
Net interest income	$1,586,000	3,385
Provision for loan and lease losses	$180,000	1,262
Total noninterest income	$315,000	3,018
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$137,000	2,783
Trading account gains and fees	$0	195
Additional Noninterest Income	$178,000	2,727
Total noninterest expense	$995,000	4,158
Salaries and employee benefits	$560,000	4,073
Premises and equipment expense	$106,000	4,871
Additional noninterest expense	$329,000	3,693
Pre-tax net operating income	$726,000	2,731
Securities gains (losses)	$0	1,187
Applicable income taxes	$230,000	2,201
Income before extraordinary items	$496,000	3,044
Extraordinary gains, net	$0	22
Net income	$496,000	3,044
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	941
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$496,000	3,025
2006-12-31 (YTD Data)		Rank
Total interest income	$10,839,000	3,366
Total interest expense	$4,916,000	3,071
Net interest income	$5,923,000	3,552
Provision for loan and lease losses	$319,000	2,660
Total noninterest income	$1,107,000	3,310
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$527,000	2,951
Trading account gains and fees	$0	130
Additional Noninterest Income	$580,000	3,082
Total noninterest expense	$3,702,000	4,204
Salaries and employee benefits	$2,012,000	4,243
Premises and equipment expense	$405,000	4,878
Additional noninterest expense	$1,285,000	3,730
Pre-tax net operating income	$3,009,000	2,771
Securities gains (losses)	$0	1,687
Applicable income taxes	$1,045,000	2,134
Income before extraordinary items	$1,964,000	3,138
Extraordinary gains, net	$0	51
Net income	$1,964,000	3,137
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$173,000	2,391
Cash dividends	$50,000	5,682
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,964,000	3,126
2006-09-30 (YTD Data)		Rank
Total interest income	$7,824,000	3,441
Total interest expense	$3,508,000	3,103
Net interest income	$4,316,000	3,654
Provision for loan and lease losses	$230,000	2,570
Total noninterest income	$818,000	3,350
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$389,000	3,001
Trading account gains and fees	$0	126
Additional Noninterest Income	$429,000	3,098
Total noninterest expense	$2,712,000	4,274
Salaries and employee benefits	$1,469,000	4,305
Premises and equipment expense	$301,000	4,932
Additional noninterest expense	$942,000	3,788
Pre-tax net operating income	$2,192,000	2,937
Securities gains (losses)	$0	1,388
Applicable income taxes	$738,000	2,319
Income before extraordinary items	$1,454,000	3,266
Extraordinary gains, net	$0	45
Net income	$1,454,000	3,268
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$134,000	1,954
Cash dividends	$50,000	5,012
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,454,000	3,262
2006-06-30 (YTD Data)		Rank
Total interest income	$5,000,000	3,498
Total interest expense	$2,202,000	3,141
Net interest income	$2,798,000	3,737
Provision for loan and lease losses	$186,000	2,224
Total noninterest income	$553,000	3,291
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$252,000	3,046
Trading account gains and fees	$0	126
Additional Noninterest Income	$301,000	3,010
Total noninterest expense	$1,788,000	4,324
Salaries and employee benefits	$947,000	4,441
Premises and equipment expense	$196,000	5,000
Additional noninterest expense	$645,000	3,698
Pre-tax net operating income	$1,377,000	3,059
Securities gains (losses)	$0	1,185
Applicable income taxes	$460,000	2,427
Income before extraordinary items	$917,000	3,409
Extraordinary gains, net	$0	39
Net income	$917,000	3,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$127,000	1,480
Cash dividends	$50,000	4,764
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$917,000	3,397
2006-03-31 (YTD Data)		Rank
Total interest income	$2,375,000	3,568
Total interest expense	$1,033,000	3,180
Net interest income	$1,342,000	3,851
Provision for loan and lease losses	$42,000	3,489
Total noninterest income	$250,000	3,467
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$125,000	2,993
Trading account gains and fees	$0	115
Additional Noninterest Income	$125,000	3,308
Total noninterest expense	$877,000	4,400
Salaries and employee benefits	$456,000	4,592
Premises and equipment expense	$94,000	5,139
Additional noninterest expense	$327,000	3,639
Pre-tax net operating income	$673,000	3,054
Securities gains (losses)	$0	955
Applicable income taxes	$226,000	2,433
Income before extraordinary items	$447,000	3,423
Extraordinary gains, net	$0	21
Net income	$447,000	3,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,786
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$447,000	3,401
2005-12-31 (YTD Data)		Rank
Total interest income	$7,922,000	3,787
Total interest expense	$3,233,000	3,128
Net interest income	$4,689,000	4,146
Provision for loan and lease losses	$223,000	3,406
Total noninterest income	$1,051,000	3,436
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$468,000	3,189
Trading account gains and fees	$0	138
Additional Noninterest Income	$583,000	3,115
Total noninterest expense	$3,228,000	4,548
Salaries and employee benefits	$1,713,000	4,631
Premises and equipment expense	$358,000	5,209
Additional noninterest expense	$1,157,000	3,962
Pre-tax net operating income	$2,289,000	3,360
Securities gains (losses)	$0	2,296
Applicable income taxes	$764,000	2,675
Income before extraordinary items	$1,525,000	3,747
Extraordinary gains, net	$0	46
Net income	$1,525,000	3,748
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	8,267
Cash dividends	$111,000	5,417
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,525,000	3,711
2005-09-30 (YTD Data)		Rank
Total interest income	$5,711,000	3,852
Total interest expense	$2,305,000	3,128
Net interest income	$3,406,000	4,231
Provision for loan and lease losses	$117,000	3,935
Total noninterest income	$767,000	3,506
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$338,000	3,280
Trading account gains and fees	$0	126
Additional Noninterest Income	$429,000	3,159
Total noninterest expense	$2,369,000	4,590
Salaries and employee benefits	$1,265,000	4,662
Premises and equipment expense	$250,000	5,434
Additional noninterest expense	$854,000	3,978
Pre-tax net operating income	$1,687,000	3,468
Securities gains (losses)	$0	2,317
Applicable income taxes	$541,000	2,813
Income before extraordinary items	$1,146,000	3,797
Extraordinary gains, net	$0	35
Net income	$1,146,000	3,798
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-42,000	8,421
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,146,000	3,751
2005-06-30 (YTD Data)		Rank
Total interest income	$3,679,000	3,890
Total interest expense	$1,464,000	3,106
Net interest income	$2,215,000	4,282
Provision for loan and lease losses	$91,000	3,481
Total noninterest income	$480,000	3,620
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$208,000	3,422
Trading account gains and fees	$0	116
Additional Noninterest Income	$272,000	3,244
Total noninterest expense	$1,543,000	4,643
Salaries and employee benefits	$814,000	4,755
Premises and equipment expense	$158,000	5,558
Additional noninterest expense	$571,000	3,951
Pre-tax net operating income	$1,061,000	3,565
Securities gains (losses)	$0	2,146
Applicable income taxes	$336,000	2,898
Income before extraordinary items	$725,000	3,896
Extraordinary gains, net	$0	30
Net income	$725,000	3,898
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-50,000	8,480
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$725,000	3,838
2005-03-31 (YTD Data)		Rank
Total interest income	$1,765,000	3,980
Total interest expense	$687,000	3,167
Net interest income	$1,078,000	4,386
Provision for loan and lease losses	$56,000	3,043
Total noninterest income	$214,000	3,805
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$94,000	3,574
Trading account gains and fees	$0	115
Additional Noninterest Income	$120,000	3,395
Total noninterest expense	$736,000	4,811
Salaries and employee benefits	$394,000	4,896
Premises and equipment expense	$72,000	5,866
Additional noninterest expense	$270,000	4,122
Pre-tax net operating income	$500,000	3,683
Securities gains (losses)	$0	1,685
Applicable income taxes	$160,000	2,993
Income before extraordinary items	$340,000	4,028
Extraordinary gains, net	$0	24
Net income	$340,000	4,030
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,685
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$340,000	3,989
2004-12-31 (YTD Data)		Rank
Total interest income	$6,102,000	4,209
Total interest expense	$2,260,000	3,296
Net interest income	$3,842,000	4,614
Provision for loan and lease losses	$196,000	3,732
Total noninterest income	$930,000	3,721
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$407,000	3,605
Trading account gains and fees	$0	138
Additional Noninterest Income	$523,000	3,228
Total noninterest expense	$2,699,000	5,029
Salaries and employee benefits	$1,435,000	5,097
Premises and equipment expense	$266,000	6,027
Additional noninterest expense	$998,000	4,361
Pre-tax net operating income	$1,877,000	3,665
Securities gains (losses)	$16,000	2,543
Applicable income taxes	$633,000	2,932
Income before extraordinary items	$1,260,000	4,079
Extraordinary gains, net	$0	34
Net income	$1,260,000	4,080
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$113,000	3,448
Cash dividends	$212,000	4,797
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,249,280	4,039
2004-09-30 (YTD Data)		Rank
Total interest income	$4,456,000	4,272
Total interest expense	$1,644,000	3,337
Net interest income	$2,812,000	4,689
Provision for loan and lease losses	$117,000	4,021
Total noninterest income	$680,000	3,809
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$294,000	3,715
Trading account gains and fees	$0	134
Additional Noninterest Income	$386,000	3,261
Total noninterest expense	$1,945,000	5,129
Salaries and employee benefits	$1,039,000	5,188
Premises and equipment expense	$183,000	6,237
Additional noninterest expense	$723,000	4,409
Pre-tax net operating income	$1,430,000	3,693
Securities gains (losses)	$16,000	2,442
Applicable income taxes	$489,000	2,946
Income before extraordinary items	$957,000	4,116
Extraordinary gains, net	$0	26
Net income	$957,000	4,116
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	3,698
Cash dividends	$30,000	5,147
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$946,440	4,074
2004-06-30 (YTD Data)		Rank
Total interest income	$2,912,000	4,342
Total interest expense	$1,073,000	3,388
Net interest income	$1,839,000	4,750
Provision for loan and lease losses	$26,000	5,598
Total noninterest income	$438,000	3,890
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$185,000	3,835
Trading account gains and fees	$0	130
Additional Noninterest Income	$253,000	3,306
Total noninterest expense	$1,307,000	5,123
Salaries and employee benefits	$691,000	5,217
Premises and equipment expense	$127,000	6,167
Additional noninterest expense	$489,000	4,387
Pre-tax net operating income	$944,000	3,667
Securities gains (losses)	$12,000	2,314
Applicable income taxes	$319,000	2,976
Income before extraordinary items	$637,000	4,077
Extraordinary gains, net	$0	21
Net income	$637,000	4,078
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,719
Cash dividends	$30,000	4,858
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$628,960	4,028
2004-03-31 (YTD Data)		Rank
Total interest income	$1,422,000	4,432
Total interest expense	$535,000	3,435
Net interest income	$887,000	4,866
Provision for loan and lease losses	$25,000	4,502
Total noninterest income	$184,000	4,261
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$84,000	4,000
Trading account gains and fees	$0	121
Additional Noninterest Income	$100,000	3,719
Total noninterest expense	$659,000	5,124
Salaries and employee benefits	$349,000	5,200
Premises and equipment expense	$61,000	6,270
Additional noninterest expense	$249,000	4,333
Pre-tax net operating income	$387,000	4,163
Securities gains (losses)	$10,000	2,045
Applicable income taxes	$125,000	3,416
Income before extraordinary items	$272,000	4,539
Extraordinary gains, net	$0	16
Net income	$272,000	4,538
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,591
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$265,100	4,472
2003-12-31 (YTD Data)		Rank
Total interest income	$5,554,000	4,533
Total interest expense	$2,369,000	3,489
Net interest income	$3,185,000	5,116
Provision for loan and lease losses	$100,000	5,309
Total noninterest income	$1,118,000	3,468
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$291,000	4,373
Trading account gains and fees	$0	160
Additional Noninterest Income	$827,000	2,681
Total noninterest expense	$2,579,000	5,110
Salaries and employee benefits	$1,381,000	5,133
Premises and equipment expense	$267,000	6,000
Additional noninterest expense	$931,000	4,509
Pre-tax net operating income	$1,624,000	3,918
Securities gains (losses)	$33,000	2,848
Applicable income taxes	$533,000	3,272
Income before extraordinary items	$1,124,000	4,298
Extraordinary gains, net	$0	54
Net income	$1,124,000	4,300
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,094
Cash dividends	$100,000	5,525
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,101,560	4,197
2003-09-30 (YTD Data)		Rank
Total interest income	$4,128,000	4,622
Total interest expense	$1,806,000	3,549
Net interest income	$2,322,000	5,232
Provision for loan and lease losses	$60,000	5,499
Total noninterest income	$893,000	3,396
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$210,000	4,482
Trading account gains and fees	$0	153
Additional Noninterest Income	$683,000	2,606
Total noninterest expense	$1,899,000	5,157
Salaries and employee benefits	$1,014,000	5,203
Premises and equipment expense	$203,000	5,970
Additional noninterest expense	$682,000	4,550
Pre-tax net operating income	$1,256,000	3,951
Securities gains (losses)	$33,000	2,620
Applicable income taxes	$420,000	3,330
Income before extraordinary items	$869,000	4,393
Extraordinary gains, net	$0	40
Net income	$869,000	4,393
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	5,484
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$846,890	4,288
2003-06-30 (YTD Data)		Rank
Total interest income	$2,725,000	4,698
Total interest expense	$1,221,000	3,615
Net interest income	$1,504,000	5,317
Provision for loan and lease losses	$36,000	5,560
Total noninterest income	$616,000	3,285
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$131,000	4,632
Trading account gains and fees	$0	150
Additional Noninterest Income	$485,000	2,487
Total noninterest expense	$1,288,000	5,099
Salaries and employee benefits	$684,000	5,170
Premises and equipment expense	$147,000	5,723
Additional noninterest expense	$457,000	4,539
Pre-tax net operating income	$796,000	4,074
Securities gains (losses)	$31,000	2,340
Applicable income taxes	$273,000	3,402
Income before extraordinary items	$554,000	4,526
Extraordinary gains, net	$0	30
Net income	$554,000	4,525
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	4,731
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$533,230	4,407
2003-03-31 (YTD Data)		Rank
Total interest income	$1,338,000	4,781
Total interest expense	$608,000	3,708
Net interest income	$730,000	5,411
Provision for loan and lease losses	$18,000	5,381
Total noninterest income	$292,000	3,305
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$67,000	4,483
Trading account gains and fees	$0	134
Additional Noninterest Income	$225,000	2,514
Total noninterest expense	$619,000	5,236
Salaries and employee benefits	$327,000	5,335
Premises and equipment expense	$68,000	5,942
Additional noninterest expense	$224,000	4,575
Pre-tax net operating income	$385,000	4,123
Securities gains (losses)	$25,000	1,791
Applicable income taxes	$137,000	3,381
Income before extraordinary items	$273,000	4,495
Extraordinary gains, net	$0	21
Net income	$273,000	4,495
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,508
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$256,250	4,448
2002-12-31 (YTD Data)		Rank
Total interest income	$4,889,000	5,251
Total interest expense	$2,366,000	4,278
Net interest income	$2,523,000	5,876
Provision for loan and lease losses	$166,000	4,734
Total noninterest income	$695,000	4,358
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$244,000	4,758
Trading account gains and fees	$0	153
Additional Noninterest Income	$451,000	3,476
Total noninterest expense	$2,183,000	5,557
Salaries and employee benefits	$1,148,000	5,642
Premises and equipment expense	$236,000	6,316
Additional noninterest expense	$799,000	4,925
Pre-tax net operating income	$869,000	5,567
Securities gains (losses)	$26,000	2,961
Applicable income taxes	$301,000	4,444
Income before extraordinary items	$594,000	5,991
Extraordinary gains, net	$0	70
Net income	$594,000	5,990
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	6,007
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$576,840	5,932
2001-12-31 (YTD Data)		Rank
Total interest income	$4,712,000	5,821
Total interest expense	$2,692,000	5,132
Net interest income	$2,020,000	6,404
Provision for loan and lease losses	$211,000	4,006
Total noninterest income	$477,000	5,194
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$232,000	4,812
Trading account gains and fees	$0	177
Additional Noninterest Income	$245,000	4,522
Total noninterest expense	$1,717,000	6,303
Salaries and employee benefits	$889,000	6,417
Premises and equipment expense	$214,000	6,589
Additional noninterest expense	$614,000	5,750
Pre-tax net operating income	$569,000	6,285
Securities gains (losses)	$55,000	2,257
Applicable income taxes	$212,000	4,928
Income before extraordinary items	$412,000	6,511
Extraordinary gains, net	$0	105
Net income	$412,000	6,515
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	4,516
Cash dividends	$50,000	6,151
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$375,700	6,578
2000-12-31 (YTD Data)		Rank
Total interest income	$4,259,000	6,287
Total interest expense	$2,420,000	5,676
Net interest income	$1,839,000	6,844
Provision for loan and lease losses	$58,000	6,353
Total noninterest income	$173,000	7,567
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$62,000	7,346
Trading account gains and fees	NA	NA
Additional Noninterest Income	$111,000	6,180
Total noninterest expense	$1,453,000	6,868
Salaries and employee benefits	$752,000	6,967
Premises and equipment expense	$216,000	6,525
Additional noninterest expense	$485,000	6,540
Pre-tax net operating income	$501,000	6,995
Securities gains (losses)	$0	1,956
Applicable income taxes	$144,000	5,996
Income before extraordinary items	$357,000	7,120
Extraordinary gains, net	$0	38
Net income	$357,000	7,118
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	5,816
Cash dividends	$95,000	6,027
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$357,000	7,113
1999-12-31 (YTD Data)		Rank
Total interest income	$2,974,000	7,408
Total interest expense	$1,661,000	6,616
Net interest income	$1,313,000	7,957
Provision for loan and lease losses	$140,000	4,418
Total noninterest income	$127,000	8,430
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$44,000	7,982
Trading account gains and fees	NA	NA
Additional Noninterest Income	$83,000	7,068
Total noninterest expense	$1,075,000	7,916
Salaries and employee benefits	$576,000	7,885
Premises and equipment expense	$113,000	8,364
Additional noninterest expense	$386,000	7,390
Pre-tax net operating income	$225,000	8,457
Securities gains (losses)	$0	3,155
Applicable income taxes	$8,000	8,537
Income before extraordinary items	$217,000	8,168
Extraordinary gains, net	$0	35
Net income	$217,000	8,166
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,038
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$217,000	8,139
1998-12-31 (YTD Data)		Rank
Total interest income	$1,793,000	8,937
Total interest expense	$1,027,000	8,344
Net interest income	$766,000	9,340
Provision for loan and lease losses	$132,000	4,434
Total noninterest income	$76,000	9,418
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$33,000	8,449
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	8,420
Total noninterest expense	$682,000	9,157
Salaries and employee benefits	$390,000	9,031
Premises and equipment expense	$79,000	9,163
Additional noninterest expense	$213,000	8,983
Pre-tax net operating income	$28,000	9,691
Securities gains (losses)	$0	4,449
Applicable income taxes	$7,000	9,157
Income before extraordinary items	$21,000	9,752
Extraordinary gains, net	$0	32
Net income	$21,000	9,751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$21,000	9,697
1997-12-31 (YTD Data)		Rank
Total interest income	$496,000	10,709
Total interest expense	$224,000	10,640
Net interest income	$272,000	10,714
Provision for loan and lease losses	$124,000	4,561
Total noninterest income	$19,000	10,698
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$6,000	9,358
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	10,252
Total noninterest expense	$483,000	10,186
Salaries and employee benefits	$258,000	10,222
Premises and equipment expense	$78,000	9,482
Additional noninterest expense	$147,000	10,028
Pre-tax net operating income	$-316,000	10,644
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$-316,000	10,678
Extraordinary gains, net	$0	44
Net income	$-316,000	10,678
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$3,000,000	310
Net operating income	$-316,000	10,659

* 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.