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Community Bank of Santa Maria, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$16,038,000	2,182
Total interest expense	$1,531,000	3,310
Net interest income	$14,507,000	1,861
Provision for loan and lease losses	$0	3,275
Total noninterest income	$1,226,000	2,517
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$417,000	1,851
Trading account gains and fees	NA	NA
Additional Noninterest Income	$809,000	2,488
Total noninterest expense	$10,226,000	2,019
Salaries and employee benefits	$6,252,000	1,908
Premises and equipment expense	$705,000	2,487
Additional noninterest expense	$809,000	2,488
Pre-tax net operating income	$5,507,000	1,826
Securities gains (losses)	$-15,000	3,432
Applicable income taxes	$1,345,000	1,249
Income before extraordinary items	$4,147,000	1,946
Extraordinary gains, net	$0	54
Net income	$4,147,000	1,969
Minority interest net income	$0	88
Net income of bank and minority interests.	$4,147,000	1,949
Net charge-offs	$-10,000	3,847
Cash dividends	$1,000,000	2,148
Sale, conversion, retirement of capital stock, net	$32,000	470
Net operating income	$4,158,850	1,973
2023-09-30 (YTD Data)		Rank
Total interest income	$11,806,000	2,172
Total interest expense	$1,019,000	3,338
Net interest income	$10,787,000	1,889
Provision for loan and lease losses	$0	3,085
Total noninterest income	$925,000	2,495
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$314,000	1,846
Trading account gains and fees	NA	NA
Additional Noninterest Income	$611,000	2,470
Total noninterest expense	$7,628,000	2,016
Salaries and employee benefits	$4,649,000	1,916
Premises and equipment expense	$531,000	2,483
Additional noninterest expense	$611,000	2,469
Pre-tax net operating income	$4,084,000	1,878
Securities gains (losses)	$43,000	275
Applicable income taxes	$1,010,000	1,284
Income before extraordinary items	$3,117,000	2,013
Extraordinary gains, net	$0	52
Net income	$3,117,000	2,032
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,117,000	2,013
Net charge-offs	$-7,000	3,746
Cash dividends	$1,000,000	1,672
Sale, conversion, retirement of capital stock, net	$22,000	455
Net operating income	$3,083,030	2,045
2023-06-30 (YTD Data)		Rank
Total interest income	$7,764,000	2,165
Total interest expense	$565,000	3,393
Net interest income	$7,199,000	1,895
Provision for loan and lease losses	$0	2,940
Total noninterest income	$615,000	2,452
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$206,000	1,859
Trading account gains and fees	NA	NA
Additional Noninterest Income	$409,000	2,420
Total noninterest expense	$5,067,000	2,018
Salaries and employee benefits	$3,093,000	1,915
Premises and equipment expense	$354,000	2,470
Additional noninterest expense	$409,000	2,416
Pre-tax net operating income	$2,747,000	1,850
Securities gains (losses)	$38,000	317
Applicable income taxes	$672,000	1,274
Income before extraordinary items	$2,113,000	1,995
Extraordinary gains, net	$0	51
Net income	$2,113,000	2,019
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,113,000	1,995
Net charge-offs	$-5,000	3,722
Cash dividends	$875,000	1,495
Sale, conversion, retirement of capital stock, net	$15,000	440
Net operating income	$2,082,980	2,028
2023-03-31 (YTD Data)		Rank
Total interest income	$3,934,000	2,128
Total interest expense	$215,000	3,486
Net interest income	$3,719,000	1,845
Provision for loan and lease losses	$0	2,612
Total noninterest income	$302,000	2,473
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$93,000	1,981
Trading account gains and fees	NA	NA
Additional Noninterest Income	$209,000	2,382
Total noninterest expense	$2,536,000	2,043
Salaries and employee benefits	$1,574,000	1,929
Premises and equipment expense	$177,000	2,512
Additional noninterest expense	$209,000	2,382
Pre-tax net operating income	$1,485,000	1,804
Securities gains (losses)	$24,000	396
Applicable income taxes	$370,000	1,226
Income before extraordinary items	$1,139,000	1,934
Extraordinary gains, net	$0	4
Net income	$1,139,000	1,934
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,139,000	1,934
Net charge-offs	$-3,000	3,659
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$8,000	400
Net operating income	$1,120,040	1,978
2022-12-31 (YTD Data)		Rank
Total interest income	$13,927,000	2,064
Total interest expense	$360,000	3,580
Net interest income	$13,567,000	1,930
Provision for loan and lease losses	$-83,000	4,347
Total noninterest income	$1,110,000	2,680
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$364,000	2,052
Trading account gains and fees	NA	NA
Additional Noninterest Income	$746,000	2,648
Total noninterest expense	$9,619,000	2,065
Salaries and employee benefits	$6,174,000	1,916
Premises and equipment expense	$684,000	2,527
Additional noninterest expense	$746,000	2,648
Pre-tax net operating income	$5,141,000	2,016
Securities gains (losses)	$-6,000	3,342
Applicable income taxes	$1,322,000	1,352
Income before extraordinary items	$3,813,000	2,165
Extraordinary gains, net	$0	5
Net income	$3,813,000	2,164
Minority interest net income	$0	63
Net income of bank and minority interests.	$3,813,000	2,164
Net charge-offs	$-3,000	3,401
Cash dividends	$575,000	2,613
Sale, conversion, retirement of capital stock, net	$104,000	465
Net operating income	$3,817,740	2,191
2022-09-30 (YTD Data)		Rank
Total interest income	$10,031,000	2,065
Total interest expense	$274,000	3,403
Net interest income	$9,757,000	1,968
Provision for loan and lease losses	$0	2,835
Total noninterest income	$789,000	2,783
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$256,000	2,138
Trading account gains and fees	NA	NA
Additional Noninterest Income	$533,000	2,736
Total noninterest expense	$7,034,000	2,082
Salaries and employee benefits	$4,472,000	1,953
Premises and equipment expense	$512,000	2,523
Additional noninterest expense	$533,000	2,736
Pre-tax net operating income	$3,512,000	2,094
Securities gains (losses)	$-12,000	3,821
Applicable income taxes	$914,000	1,404
Income before extraordinary items	$2,586,000	2,267
Extraordinary gains, net	$0	4
Net income	$2,586,000	2,266
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,586,000	2,266
Net charge-offs	$-1,000	3,079
Cash dividends	$575,000	2,098
Sale, conversion, retirement of capital stock, net	$79,000	424
Net operating income	$2,595,480	2,298
2022-06-30 (YTD Data)		Rank
Total interest income	$6,358,000	2,092
Total interest expense	$184,000	3,295
Net interest income	$6,174,000	2,007
Provision for loan and lease losses	$0	2,599
Total noninterest income	$514,000	2,799
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$168,000	2,153
Trading account gains and fees	NA	NA
Additional Noninterest Income	$346,000	2,800
Total noninterest expense	$4,712,000	2,071
Salaries and employee benefits	$2,984,000	1,949
Premises and equipment expense	$336,000	2,557
Additional noninterest expense	$1,392,000	2,105
Pre-tax net operating income	$1,976,000	2,210
Securities gains (losses)	$-13,000	3,992
Applicable income taxes	$522,000	1,452
Income before extraordinary items	$1,441,000	2,406
Extraordinary gains, net	$0	4
Net income	$1,441,000	2,406
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,441,000	2,406
Net charge-offs	$3,000	1,878
Cash dividends	$575,000	1,787
Sale, conversion, retirement of capital stock, net	$53,000	411
Net operating income	$1,451,270	2,432
2022-03-31 (YTD Data)		Rank
Total interest income	$2,974,000	2,146
Total interest expense	$91,000	3,304
Net interest income	$2,883,000	2,051
Provision for loan and lease losses	$0	2,285
Total noninterest income	$243,000	2,821
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$81,000	2,173
Trading account gains and fees	NA	NA
Additional Noninterest Income	$162,000	2,808
Total noninterest expense	$2,417,000	2,025
Salaries and employee benefits	$1,512,000	1,925
Premises and equipment expense	$166,000	2,573
Additional noninterest expense	$739,000	2,012
Pre-tax net operating income	$709,000	2,538
Securities gains (losses)	$-8,000	4,222
Applicable income taxes	$189,000	1,648
Income before extraordinary items	$512,000	2,726
Extraordinary gains, net	$0	4
Net income	$512,000	2,724
Minority interest net income	$0	50
Net income of bank and minority interests.	$512,000	2,726
Net charge-offs	$-5,000	3,667
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$26,000	374
Net operating income	$518,320	2,736
2021-12-31 (YTD Data)		Rank
Total interest income	$13,198,000	2,056
Total interest expense	$412,000	3,411
Net interest income	$12,786,000	1,955
Provision for loan and lease losses	$300,000	1,389
Total noninterest income	$946,000	3,034
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$280,000	2,270
Trading account gains and fees	NA	NA
Additional Noninterest Income	$666,000	3,019
Total noninterest expense	$9,522,000	2,037
Salaries and employee benefits	$5,717,000	2,000
Premises and equipment expense	$686,000	2,545
Additional noninterest expense	$3,119,000	1,916
Pre-tax net operating income	$3,910,000	2,357
Securities gains (losses)	$25,000	1,416
Applicable income taxes	$952,000	1,632
Income before extraordinary items	$2,983,000	2,552
Extraordinary gains, net	$0	10
Net income	$2,983,000	2,553
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,983,000	2,553
Net charge-offs	$26,000	1,956
Cash dividends	$650,000	2,607
Sale, conversion, retirement of capital stock, net	$114,000	456
Net operating income	$2,963,250	2,536
2021-09-30 (YTD Data)		Rank
Total interest income	$10,064,000	2,058
Total interest expense	$309,000	3,500
Net interest income	$9,755,000	1,957
Provision for loan and lease losses	$300,000	1,152
Total noninterest income	$699,000	3,080
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$203,000	2,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$496,000	3,076
Total noninterest expense	$7,019,000	2,074
Salaries and employee benefits	$4,165,000	2,039
Premises and equipment expense	$527,000	2,531
Additional noninterest expense	$2,327,000	1,925
Pre-tax net operating income	$3,135,000	2,375
Securities gains (losses)	$17,000	1,472
Applicable income taxes	$782,000	1,657
Income before extraordinary items	$2,370,000	2,581
Extraordinary gains, net	$0	8
Net income	$2,370,000	2,581
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,370,000	2,581
Net charge-offs	$-16,000	3,803
Cash dividends	$650,000	2,092
Sale, conversion, retirement of capital stock, net	$86,000	428
Net operating income	$2,356,570	2,563
2021-06-30 (YTD Data)		Rank
Total interest income	$6,736,000	2,046
Total interest expense	$208,000	3,567
Net interest income	$6,528,000	1,937
Provision for loan and lease losses	$300,000	865
Total noninterest income	$452,000	3,116
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$127,000	2,345
Trading account gains and fees	NA	NA
Additional Noninterest Income	$325,000	3,068
Total noninterest expense	$4,668,000	2,069
Salaries and employee benefits	$2,771,000	2,031
Premises and equipment expense	$359,000	2,486
Additional noninterest expense	$1,538,000	1,924
Pre-tax net operating income	$2,012,000	2,389
Securities gains (losses)	$12,000	1,351
Applicable income taxes	$509,000	1,646
Income before extraordinary items	$1,515,000	2,612
Extraordinary gains, net	$0	6
Net income	$1,515,000	2,612
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,515,000	2,612
Net charge-offs	$-12,000	3,873
Cash dividends	$525,000	1,899
Sale, conversion, retirement of capital stock, net	$56,000	415
Net operating income	$1,505,520	2,597
2021-03-31 (YTD Data)		Rank
Total interest income	$3,330,000	2,058
Total interest expense	$106,000	3,613
Net interest income	$3,224,000	1,924
Provision for loan and lease losses	$300,000	548
Total noninterest income	$221,000	3,121
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$61,000	2,378
Trading account gains and fees	NA	NA
Additional Noninterest Income	$160,000	3,068
Total noninterest expense	$2,349,000	2,049
Salaries and employee benefits	$1,392,000	2,018
Premises and equipment expense	$180,000	2,505
Additional noninterest expense	$777,000	1,878
Pre-tax net operating income	$796,000	2,674
Securities gains (losses)	$13,000	986
Applicable income taxes	$211,000	1,778
Income before extraordinary items	$598,000	2,911
Extraordinary gains, net	$0	3
Net income	$598,000	2,910
Minority interest net income	$0	55
Net income of bank and minority interests.	$598,000	2,911
Net charge-offs	$-3,000	3,553
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$27,000	394
Net operating income	$587,730	2,898
2020-12-31 (YTD Data)		Rank
Total interest income	$12,195,000	2,208
Total interest expense	$481,000	3,880
Net interest income	$11,714,000	1,996
Provision for loan and lease losses	$390,000	2,477
Total noninterest income	$864,000	3,040
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$281,000	2,315
Trading account gains and fees	NA	NA
Additional Noninterest Income	$583,000	2,993
Total noninterest expense	$8,934,000	2,110
Salaries and employee benefits	$5,458,000	2,030
Premises and equipment expense	$686,000	2,562
Additional noninterest expense	$2,790,000	2,042
Pre-tax net operating income	$3,254,000	2,334
Securities gains (losses)	$-4,000	4,727
Applicable income taxes	$910,000	1,502
Income before extraordinary items	$2,340,000	2,627
Extraordinary gains, net	$0	4
Net income	$2,340,000	2,626
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,340,000	2,627
Net charge-offs	$35,000	2,580
Cash dividends	$450,000	2,904
Sale, conversion, retirement of capital stock, net	$126,000	422
Net operating income	$2,343,160	2,577
2020-09-30 (YTD Data)		Rank
Total interest income	$8,822,000	2,291
Total interest expense	$370,000	3,932
Net interest income	$8,452,000	2,055
Provision for loan and lease losses	$100,000	3,277
Total noninterest income	$648,000	3,014
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$211,000	2,324
Trading account gains and fees	NA	NA
Additional Noninterest Income	$437,000	2,963
Total noninterest expense	$6,497,000	2,138
Salaries and employee benefits	$3,879,000	2,083
Premises and equipment expense	$497,000	2,606
Additional noninterest expense	$2,121,000	1,983
Pre-tax net operating income	$2,503,000	2,288
Securities gains (losses)	$-10,000	4,787
Applicable income taxes	$698,000	1,463
Income before extraordinary items	$1,795,000	2,600
Extraordinary gains, net	$0	4
Net income	$1,795,000	2,600
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,795,000	2,600
Net charge-offs	$23,000	2,435
Cash dividends	$450,000	2,412
Sale, conversion, retirement of capital stock, net	$86,000	405
Net operating income	$1,802,900	2,547
2020-06-30 (YTD Data)		Rank
Total interest income	$5,812,000	2,338
Total interest expense	$255,000	3,978
Net interest income	$5,557,000	2,085
Provision for loan and lease losses	$40,000	3,562
Total noninterest income	$402,000	3,088
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$150,000	2,271
Trading account gains and fees	NA	NA
Additional Noninterest Income	$252,000	3,070
Total noninterest expense	$4,328,000	2,140
Salaries and employee benefits	$2,554,000	2,104
Premises and equipment expense	$325,000	2,640
Additional noninterest expense	$1,449,000	1,936
Pre-tax net operating income	$1,591,000	2,311
Securities gains (losses)	$-10,000	4,791
Applicable income taxes	$442,000	1,442
Income before extraordinary items	$1,139,000	2,631
Extraordinary gains, net	$0	4
Net income	$1,139,000	2,630
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,139,000	2,631
Net charge-offs	$27,000	2,053
Cash dividends	$450,000	2,070
Sale, conversion, retirement of capital stock, net	$56,000	389
Net operating income	$1,146,900	2,578
2020-03-31 (YTD Data)		Rank
Total interest income	$2,897,000	2,324
Total interest expense	$128,000	4,086
Net interest income	$2,769,000	2,050
Provision for loan and lease losses	$0	3,711
Total noninterest income	$214,000	2,930
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$96,000	2,185
Trading account gains and fees	NA	NA
Additional Noninterest Income	$118,000	2,996
Total noninterest expense	$2,068,000	2,228
Salaries and employee benefits	$1,315,000	2,070
Premises and equipment expense	$156,000	2,709
Additional noninterest expense	$597,000	2,262
Pre-tax net operating income	$915,000	1,963
Securities gains (losses)	$-14,000	4,843
Applicable income taxes	$254,000	1,207
Income before extraordinary items	$647,000	2,291
Extraordinary gains, net	$0	4
Net income	$647,000	2,290
Minority interest net income	$0	56
Net income of bank and minority interests.	$647,000	2,291
Net charge-offs	$-13,000	4,549
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$27,000	378
Net operating income	$658,060	2,236
2019-12-31 (YTD Data)		Rank
Total interest income	$11,646,000	2,342
Total interest expense	$507,000	4,135
Net interest income	$11,139,000	2,046
Provision for loan and lease losses	$0	3,973
Total noninterest income	$866,000	3,005
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$376,000	2,285
Trading account gains and fees	NA	NA
Additional Noninterest Income	$490,000	3,052
Total noninterest expense	$7,962,000	2,251
Salaries and employee benefits	$4,914,000	2,127
Premises and equipment expense	$623,000	2,735
Additional noninterest expense	$2,425,000	2,259
Pre-tax net operating income	$4,043,000	2,042
Securities gains (losses)	$6,000	2,041
Applicable income taxes	$1,142,000	1,315
Income before extraordinary items	$2,907,000	2,337
Extraordinary gains, net	$0	11
Net income	$2,907,000	2,340
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,907,000	2,339
Net charge-offs	$-14,000	4,526
Cash dividends	$3,250,000	1,120
Sale, conversion, retirement of capital stock, net	$110,000	472
Net operating income	$2,902,260	2,307
2019-09-30 (YTD Data)		Rank
Total interest income	$8,659,000	2,379
Total interest expense	$379,000	4,178
Net interest income	$8,280,000	2,090
Provision for loan and lease losses	$0	3,836
Total noninterest income	$622,000	3,078
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$284,000	2,298
Trading account gains and fees	NA	NA
Additional Noninterest Income	$338,000	3,156
Total noninterest expense	$5,988,000	2,261
Salaries and employee benefits	$3,677,000	2,147
Premises and equipment expense	$466,000	2,755
Additional noninterest expense	$1,845,000	2,243
Pre-tax net operating income	$2,914,000	2,147
Securities gains (losses)	$5,000	1,837
Applicable income taxes	$820,000	1,403
Income before extraordinary items	$2,099,000	2,453
Extraordinary gains, net	$0	11
Net income	$2,099,000	2,454
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,099,000	2,454
Net charge-offs	$-11,000	4,453
Cash dividends	$550,000	2,396
Sale, conversion, retirement of capital stock, net	$82,000	439
Net operating income	$2,095,050	2,428
2019-06-30 (YTD Data)		Rank
Total interest income	$5,682,000	2,406
Total interest expense	$254,000	4,184
Net interest income	$5,428,000	2,130
Provision for loan and lease losses	$0	3,685
Total noninterest income	$412,000	3,055
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$192,000	2,267
Trading account gains and fees	NA	NA
Additional Noninterest Income	$220,000	3,160
Total noninterest expense	$3,969,000	2,273
Salaries and employee benefits	$2,461,000	2,141
Premises and equipment expense	$297,000	2,844
Additional noninterest expense	$1,211,000	2,273
Pre-tax net operating income	$1,871,000	2,178
Securities gains (losses)	$0	1,702
Applicable income taxes	$525,000	1,413
Income before extraordinary items	$1,346,000	2,485
Extraordinary gains, net	$0	11
Net income	$1,346,000	2,485
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,346,000	2,485
Net charge-offs	$-6,000	4,333
Cash dividends	$550,000	2,012
Sale, conversion, retirement of capital stock, net	$55,000	426
Net operating income	$1,346,000	2,455
2019-03-31 (YTD Data)		Rank
Total interest income	$2,766,000	2,446
Total interest expense	$109,000	4,341
Net interest income	$2,657,000	2,170
Provision for loan and lease losses	$0	3,406
Total noninterest income	$202,000	3,031
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$98,000	2,245
Trading account gains and fees	NA	NA
Additional Noninterest Income	$104,000	3,177
Total noninterest expense	$2,005,000	2,265
Salaries and employee benefits	$1,250,000	2,134
Premises and equipment expense	$141,000	2,959
Additional noninterest expense	$614,000	2,242
Pre-tax net operating income	$854,000	2,272
Securities gains (losses)	$0	1,087
Applicable income taxes	$239,000	1,441
Income before extraordinary items	$615,000	2,585
Extraordinary gains, net	$0	5
Net income	$615,000	2,584
Minority interest net income	$0	52
Net income of bank and minority interests.	$615,000	2,584
Net charge-offs	$-3,000	4,217
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$27,000	398
Net operating income	$615,000	2,568
2018-12-31 (YTD Data)		Rank
Total interest income	$10,937,000	2,375
Total interest expense	$421,000	4,130
Net interest income	$10,516,000	2,148
Provision for loan and lease losses	$0	4,082
Total noninterest income	$2,605,000	1,703
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$364,000	2,436
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,241,000	1,387
Total noninterest expense	$8,018,000	2,241
Salaries and employee benefits	$4,891,000	2,137
Premises and equipment expense	$720,000	2,523
Additional noninterest expense	$2,407,000	2,283
Pre-tax net operating income	$5,103,000	1,757
Securities gains (losses)	$81,000	345
Applicable income taxes	$1,468,000	1,064
Income before extraordinary items	$3,716,000	2,000
Extraordinary gains, net	$0	6
Net income	$3,716,000	1,998
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,716,000	1,999
Net charge-offs	$-14,000	4,588
Cash dividends	$425,000	3,116
Sale, conversion, retirement of capital stock, net	$100,000	485
Net operating income	$3,652,010	2,022
2018-09-30 (YTD Data)		Rank
Total interest income	$8,120,000	2,386
Total interest expense	$301,000	4,164
Net interest income	$7,819,000	2,162
Provision for loan and lease losses	$0	3,948
Total noninterest income	$1,785,000	1,822
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$274,000	2,441
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,511,000	1,511
Total noninterest expense	$6,038,000	2,233
Salaries and employee benefits	$3,688,000	2,113
Premises and equipment expense	$524,000	2,591
Additional noninterest expense	$1,826,000	2,264
Pre-tax net operating income	$3,566,000	1,865
Securities gains (losses)	$90,000	308
Applicable income taxes	$1,031,000	1,147
Income before extraordinary items	$2,625,000	2,099
Extraordinary gains, net	$0	5
Net income	$2,625,000	2,097
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,625,000	2,098
Net charge-offs	$-10,000	4,485
Cash dividends	$425,000	2,538
Sale, conversion, retirement of capital stock, net	$74,000	460
Net operating income	$2,553,900	2,137
2018-06-30 (YTD Data)		Rank
Total interest income	$5,340,000	2,392
Total interest expense	$187,000	4,221
Net interest income	$5,153,000	2,181
Provision for loan and lease losses	$0	3,782
Total noninterest income	$1,516,000	1,552
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$188,000	2,391
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,328,000	1,264
Total noninterest expense	$4,066,000	2,236
Salaries and employee benefits	$2,473,000	2,123
Premises and equipment expense	$373,000	2,500
Additional noninterest expense	$1,220,000	2,260
Pre-tax net operating income	$2,603,000	1,703
Securities gains (losses)	$0	961
Applicable income taxes	$737,000	1,080
Income before extraordinary items	$1,866,000	1,982
Extraordinary gains, net	$0	6
Net income	$1,866,000	1,980
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,866,000	1,981
Net charge-offs	$-5,000	4,304
Cash dividends	$425,000	2,157
Sale, conversion, retirement of capital stock, net	$48,000	441
Net operating income	$1,866,000	1,970
2018-03-31 (YTD Data)		Rank
Total interest income	$2,650,000	2,404
Total interest expense	$76,000	4,433
Net interest income	$2,574,000	2,193
Provision for loan and lease losses	$0	3,508
Total noninterest income	$178,000	3,343
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$93,000	2,413
Trading account gains and fees	NA	NA
Additional Noninterest Income	$85,000	3,555
Total noninterest expense	$2,043,000	2,241
Salaries and employee benefits	$1,257,000	2,121
Premises and equipment expense	$198,000	2,463
Additional noninterest expense	$588,000	2,322
Pre-tax net operating income	$709,000	2,569
Securities gains (losses)	$0	735
Applicable income taxes	$192,000	1,608
Income before extraordinary items	$517,000	2,842
Extraordinary gains, net	$0	7
Net income	$517,000	2,842
Minority interest net income	$0	52
Net income of bank and minority interests.	$517,000	2,842
Net charge-offs	$-2,000	4,048
Cash dividends	$125,000	2,217
Sale, conversion, retirement of capital stock, net	$23,000	416
Net operating income	$517,000	2,829
2017-12-31 (YTD Data)		Rank
Total interest income	$10,024,000	2,446
Total interest expense	$305,000	4,384
Net interest income	$9,719,000	2,270
Provision for loan and lease losses	$0	4,227
Total noninterest income	$742,000	3,387
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$359,000	2,546
Trading account gains and fees	NA	NA
Additional Noninterest Income	$383,000	3,504
Total noninterest expense	$7,605,000	2,356
Salaries and employee benefits	$4,560,000	2,248
Premises and equipment expense	$712,000	2,626
Additional noninterest expense	$2,333,000	2,368
Pre-tax net operating income	$2,856,000	2,564
Securities gains (losses)	$-52,000	5,321
Applicable income taxes	$1,331,000	1,634
Income before extraordinary items	$1,473,000	3,163
Extraordinary gains, net	$0	9
Net income	$1,473,000	3,161
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,473,000	3,163
Net charge-offs	$-171,000	5,411
Cash dividends	$100,000	3,887
Sale, conversion, retirement of capital stock, net	$50,000	567
Net operating income	$1,506,280	3,100
2017-09-30 (YTD Data)		Rank
Total interest income	$7,351,000	2,493
Total interest expense	$230,000	4,396
Net interest income	$7,121,000	2,321
Provision for loan and lease losses	$0	4,088
Total noninterest income	$564,000	3,393
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$265,000	2,595
Trading account gains and fees	NA	NA
Additional Noninterest Income	$299,000	3,482
Total noninterest expense	$5,587,000	2,409
Salaries and employee benefits	$3,280,000	2,329
Premises and equipment expense	$539,000	2,638
Additional noninterest expense	$1,768,000	2,361
Pre-tax net operating income	$2,098,000	2,653
Securities gains (losses)	$0	2,274
Applicable income taxes	$800,000	1,668
Income before extraordinary items	$1,298,000	3,089
Extraordinary gains, net	$0	9
Net income	$1,298,000	3,088
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,298,000	3,089
Net charge-offs	$-172,000	5,459
Cash dividends	$100,000	3,397
Sale, conversion, retirement of capital stock, net	$40,000	532
Net operating income	$1,298,000	3,063
2017-06-30 (YTD Data)		Rank
Total interest income	$4,767,000	2,533
Total interest expense	$153,000	4,397
Net interest income	$4,614,000	2,359
Provision for loan and lease losses	$0	3,871
Total noninterest income	$349,000	3,505
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$172,000	2,639
Trading account gains and fees	NA	NA
Additional Noninterest Income	$177,000	3,642
Total noninterest expense	$3,664,000	2,445
Salaries and employee benefits	$2,139,000	2,383
Premises and equipment expense	$352,000	2,671
Additional noninterest expense	$1,173,000	2,372
Pre-tax net operating income	$1,299,000	2,722
Securities gains (losses)	$0	1,906
Applicable income taxes	$495,000	1,705
Income before extraordinary items	$804,000	3,158
Extraordinary gains, net	$0	11
Net income	$804,000	3,157
Minority interest net income	$0	71
Net income of bank and minority interests.	$804,000	3,158
Net charge-offs	$-172,000	5,553
Cash dividends	$100,000	3,181
Sale, conversion, retirement of capital stock, net	$29,000	500
Net operating income	$804,000	3,141
2017-03-31 (YTD Data)		Rank
Total interest income	$2,353,000	2,552
Total interest expense	$74,000	4,447
Net interest income	$2,279,000	2,384
Provision for loan and lease losses	$0	3,537
Total noninterest income	$165,000	3,570
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$87,000	2,620
Trading account gains and fees	NA	NA
Additional Noninterest Income	$78,000	3,810
Total noninterest expense	$1,807,000	2,495
Salaries and employee benefits	$1,068,000	2,408
Premises and equipment expense	$178,000	2,707
Additional noninterest expense	$561,000	2,445
Pre-tax net operating income	$637,000	2,696
Securities gains (losses)	$0	1,153
Applicable income taxes	$244,000	1,679
Income before extraordinary items	$393,000	3,160
Extraordinary gains, net	$0	8
Net income	$393,000	3,158
Minority interest net income	$0	55
Net income of bank and minority interests.	$393,000	3,160
Net charge-offs	$40,000	1,464
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$19,000	437
Net operating income	$393,000	3,141
2016-12-31 (YTD Data)		Rank
Total interest income	$8,947,000	2,635
Total interest expense	$288,000	4,507
Net interest income	$8,659,000	2,458
Provision for loan and lease losses	$0	4,332
Total noninterest income	$871,000	3,262
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$369,000	2,593
Trading account gains and fees	$0	170
Additional Noninterest Income	$502,000	3,267
Total noninterest expense	$7,534,000	2,405
Salaries and employee benefits	$4,363,000	2,337
Premises and equipment expense	$872,000	2,366
Additional noninterest expense	$2,299,000	2,470
Pre-tax net operating income	$1,996,000	3,063
Securities gains (losses)	$-1,000	5,500
Applicable income taxes	$768,000	1,877
Income before extraordinary items	$1,227,000	3,602
Extraordinary gains, net	$0	5
Net income	$1,227,000	3,600
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,227,000	3,601
Net charge-offs	$-35,000	5,269
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$59,000	556
Net operating income	$1,227,640	3,535
2016-09-30 (YTD Data)		Rank
Total interest income	$6,631,000	2,661
Total interest expense	$217,000	4,549
Net interest income	$6,414,000	2,491
Provision for loan and lease losses	$0	4,186
Total noninterest income	$512,000	3,643
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$279,000	2,589
Trading account gains and fees	$0	169
Additional Noninterest Income	$233,000	3,920
Total noninterest expense	$5,901,000	2,321
Salaries and employee benefits	$3,300,000	2,312
Premises and equipment expense	$662,000	2,344
Additional noninterest expense	$1,939,000	2,238
Pre-tax net operating income	$1,025,000	3,682
Securities gains (losses)	$-1,000	5,663
Applicable income taxes	$381,000	2,283
Income before extraordinary items	$643,000	4,154
Extraordinary gains, net	$0	5
Net income	$643,000	4,153
Minority interest net income	$0	71
Net income of bank and minority interests.	$643,000	4,154
Net charge-offs	$-29,000	5,201
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$44,000	526
Net operating income	$643,640	4,089
2016-06-30 (YTD Data)		Rank
Total interest income	$4,397,000	2,674
Total interest expense	$147,000	4,553
Net interest income	$4,250,000	2,505
Provision for loan and lease losses	$0	4,017
Total noninterest income	$342,000	3,660
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$191,000	2,510
Trading account gains and fees	$0	157
Additional Noninterest Income	$151,000	3,961
Total noninterest expense	$3,953,000	2,322
Salaries and employee benefits	$2,212,000	2,316
Premises and equipment expense	$452,000	2,312
Additional noninterest expense	$1,289,000	2,255
Pre-tax net operating income	$639,000	3,784
Securities gains (losses)	$-1,000	5,765
Applicable income taxes	$234,000	2,363
Income before extraordinary items	$404,000	4,255
Extraordinary gains, net	$0	16
Net income	$404,000	4,251
Minority interest net income	$0	71
Net income of bank and minority interests.	$404,000	4,253
Net charge-offs	$3,000	3,433
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$29,000	519
Net operating income	$404,640	4,187
2016-03-31 (YTD Data)		Rank
Total interest income	$2,171,000	2,709
Total interest expense	$75,000	4,547
Net interest income	$2,096,000	2,538
Provision for loan and lease losses	$0	3,656
Total noninterest income	$163,000	3,683
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$91,000	2,573
Trading account gains and fees	$0	142
Additional Noninterest Income	$72,000	3,985
Total noninterest expense	$1,973,000	2,336
Salaries and employee benefits	$1,118,000	2,293
Premises and equipment expense	$230,000	2,296
Additional noninterest expense	$625,000	2,312
Pre-tax net operating income	$286,000	3,932
Securities gains (losses)	$0	2,077
Applicable income taxes	$103,000	2,435
Income before extraordinary items	$183,000	4,367
Extraordinary gains, net	$0	12
Net income	$183,000	4,364
Minority interest net income	$0	62
Net income of bank and minority interests.	$183,000	4,366
Net charge-offs	$-5,000	4,858
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$14,000	487
Net operating income	$183,000	4,315
2015-12-31 (YTD Data)		Rank
Total interest income	$8,131,000	2,805
Total interest expense	$285,000	4,702
Net interest income	$7,846,000	2,646
Provision for loan and lease losses	$-402,000	5,918
Total noninterest income	$701,000	3,636
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$370,000	2,667
Trading account gains and fees	$0	159
Additional Noninterest Income	$331,000	3,843
Total noninterest expense	$7,336,000	2,476
Salaries and employee benefits	$4,257,000	2,351
Premises and equipment expense	$828,000	2,492
Additional noninterest expense	$2,251,000	2,541
Pre-tax net operating income	$1,613,000	3,389
Securities gains (losses)	$0	3,216
Applicable income taxes	$602,000	2,061
Income before extraordinary items	$1,011,000	3,918
Extraordinary gains, net	$0	23
Net income	$1,011,000	3,918
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,011,000	3,919
Net charge-offs	$-244,000	5,897
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$57,000	588
Net operating income	$1,011,000	3,863
2015-09-30 (YTD Data)		Rank
Total interest income	$6,055,000	2,838
Total interest expense	$213,000	4,781
Net interest income	$5,842,000	2,678
Provision for loan and lease losses	$-227,000	6,003
Total noninterest income	$553,000	3,580
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$263,000	2,766
Trading account gains and fees	$0	153
Additional Noninterest Income	$290,000	3,656
Total noninterest expense	$5,408,000	2,519
Salaries and employee benefits	$3,144,000	2,390
Premises and equipment expense	$605,000	2,569
Additional noninterest expense	$1,659,000	2,583
Pre-tax net operating income	$1,214,000	3,435
Securities gains (losses)	$0	3,031
Applicable income taxes	$452,000	2,094
Income before extraordinary items	$762,000	3,971
Extraordinary gains, net	$0	21
Net income	$762,000	3,970
Minority interest net income	$0	78
Net income of bank and minority interests.	$762,000	3,972
Net charge-offs	$-243,000	5,998
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$43,000	555
Net operating income	$762,000	3,910
2015-06-30 (YTD Data)		Rank
Total interest income	$4,052,000	2,834
Total interest expense	$143,000	4,814
Net interest income	$3,909,000	2,663
Provision for loan and lease losses	$-187,000	6,105
Total noninterest income	$359,000	3,620
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$174,000	2,754
Trading account gains and fees	$0	157
Additional Noninterest Income	$185,000	3,755
Total noninterest expense	$3,530,000	2,582
Salaries and employee benefits	$2,051,000	2,457
Premises and equipment expense	$369,000	2,768
Additional noninterest expense	$1,110,000	2,589
Pre-tax net operating income	$925,000	3,209
Securities gains (losses)	$0	2,636
Applicable income taxes	$347,000	1,983
Income before extraordinary items	$578,000	3,730
Extraordinary gains, net	$0	22
Net income	$578,000	3,731
Minority interest net income	$0	75
Net income of bank and minority interests.	$578,000	3,732
Net charge-offs	$-197,000	6,075
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$29,000	533
Net operating income	$578,000	3,670
2015-03-31 (YTD Data)		Rank
Total interest income	$2,055,000	2,809
Total interest expense	$72,000	4,859
Net interest income	$1,983,000	2,632
Provision for loan and lease losses	$-187,000	6,256
Total noninterest income	$156,000	3,841
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$89,000	2,705
Trading account gains and fees	$0	152
Additional Noninterest Income	$67,000	4,158
Total noninterest expense	$1,722,000	2,630
Salaries and employee benefits	$1,013,000	2,502
Premises and equipment expense	$175,000	2,900
Additional noninterest expense	$534,000	2,654
Pre-tax net operating income	$604,000	2,675
Securities gains (losses)	$0	2,027
Applicable income taxes	$231,000	1,672
Income before extraordinary items	$373,000	3,254
Extraordinary gains, net	$0	13
Net income	$373,000	3,257
Minority interest net income	$0	64
Net income of bank and minority interests.	$373,000	3,257
Net charge-offs	$-192,000	6,236
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$14,000	516
Net operating income	$373,000	3,175
2014-12-31 (YTD Data)		Rank
Total interest income	$7,663,000	2,966
Total interest expense	$312,000	4,890
Net interest income	$7,351,000	2,796
Provision for loan and lease losses	$0	4,603
Total noninterest income	$661,000	3,814
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$377,000	2,783
Trading account gains and fees	$0	180
Additional Noninterest Income	$284,000	4,080
Total noninterest expense	$6,898,000	2,652
Salaries and employee benefits	$3,590,000	2,716
Premises and equipment expense	$728,000	2,843
Additional noninterest expense	$2,580,000	2,351
Pre-tax net operating income	$1,114,000	3,960
Securities gains (losses)	$0	3,259
Applicable income taxes	$380,000	2,448
Income before extraordinary items	$734,000	4,420
Extraordinary gains, net	$0	17
Net income	$734,000	4,420
Minority interest net income	$0	84
Net income of bank and minority interests.	$734,000	4,421
Net charge-offs	$84,000	3,348
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$52,000	631
Net operating income	$734,000	4,374
2014-09-30 (YTD Data)		Rank
Total interest income	$5,641,000	3,034
Total interest expense	$237,000	4,944
Net interest income	$5,404,000	2,858
Provision for loan and lease losses	$0	4,401
Total noninterest income	$490,000	3,885
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$277,000	2,863
Trading account gains and fees	$0	174
Additional Noninterest Income	$213,000	4,122
Total noninterest expense	$4,841,000	2,781
Salaries and employee benefits	$2,648,000	2,755
Premises and equipment expense	$552,000	2,847
Additional noninterest expense	$1,641,000	2,690
Pre-tax net operating income	$1,053,000	3,668
Securities gains (losses)	$0	2,980
Applicable income taxes	$378,000	2,242
Income before extraordinary items	$675,000	4,186
Extraordinary gains, net	$0	15
Net income	$675,000	4,187
Minority interest net income	$0	81
Net income of bank and minority interests.	$675,000	4,187
Net charge-offs	$93,000	2,756
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$49,000	566
Net operating income	$675,000	4,134
2014-06-30 (YTD Data)		Rank
Total interest income	$3,698,000	3,076
Total interest expense	$161,000	4,960
Net interest income	$3,537,000	2,897
Provision for loan and lease losses	$0	4,196
Total noninterest income	$327,000	3,870
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$181,000	2,893
Trading account gains and fees	$0	172
Additional Noninterest Income	$146,000	4,071
Total noninterest expense	$3,128,000	2,858
Salaries and employee benefits	$1,709,000	2,829
Premises and equipment expense	$365,000	2,885
Additional noninterest expense	$1,054,000	2,759
Pre-tax net operating income	$736,000	3,526
Securities gains (losses)	$0	2,580
Applicable income taxes	$266,000	2,136
Income before extraordinary items	$470,000	4,057
Extraordinary gains, net	$0	20
Net income	$470,000	4,062
Minority interest net income	$0	80
Net income of bank and minority interests.	$470,000	4,062
Net charge-offs	$60,000	2,626
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$32,000	535
Net operating income	$470,000	4,006
2014-03-31 (YTD Data)		Rank
Total interest income	$1,836,000	3,106
Total interest expense	$82,000	5,003
Net interest income	$1,754,000	2,924
Provision for loan and lease losses	$0	3,817
Total noninterest income	$143,000	4,053
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$78,000	3,119
Trading account gains and fees	$0	147
Additional Noninterest Income	$65,000	4,219
Total noninterest expense	$1,588,000	2,857
Salaries and employee benefits	$877,000	2,789
Premises and equipment expense	$181,000	2,951
Additional noninterest expense	$530,000	2,756
Pre-tax net operating income	$309,000	3,767
Securities gains (losses)	$0	1,715
Applicable income taxes	$108,000	2,292
Income before extraordinary items	$201,000	4,243
Extraordinary gains, net	$0	16
Net income	$201,000	4,243
Minority interest net income	$0	66
Net income of bank and minority interests.	$201,000	4,245
Net charge-offs	$1,000	3,492
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$15,000	508
Net operating income	$201,000	4,188
2013-12-31 (YTD Data)		Rank
Total interest income	$6,955,000	3,266
Total interest expense	$370,000	5,054
Net interest income	$6,585,000	3,037
Provision for loan and lease losses	$0	5,091
Total noninterest income	$586,000	4,157
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$297,000	3,375
Trading account gains and fees	$0	184
Additional Noninterest Income	$289,000	4,137
Total noninterest expense	$5,967,000	3,011
Salaries and employee benefits	$3,364,000	2,884
Premises and equipment expense	$697,000	2,978
Additional noninterest expense	$1,906,000	3,094
Pre-tax net operating income	$1,204,000	3,777
Securities gains (losses)	$0	3,182
Applicable income taxes	$423,000	2,321
Income before extraordinary items	$781,000	4,290
Extraordinary gains, net	$0	29
Net income	$781,000	4,292
Minority interest net income	$0	90
Net income of bank and minority interests.	$781,000	4,293
Net charge-offs	$42,000	4,476
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$73,000	580
Net operating income	$781,000	4,237
2013-09-30 (YTD Data)		Rank
Total interest income	$5,138,000	3,336
Total interest expense	$284,000	5,113
Net interest income	$4,854,000	3,108
Provision for loan and lease losses	$20,000	4,484
Total noninterest income	$437,000	4,239
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$214,000	3,465
Trading account gains and fees	$0	180
Additional Noninterest Income	$223,000	4,180
Total noninterest expense	$4,421,000	3,035
Salaries and employee benefits	$2,480,000	2,920
Premises and equipment expense	$520,000	3,014
Additional noninterest expense	$1,421,000	3,093
Pre-tax net operating income	$850,000	3,954
Securities gains (losses)	$0	3,040
Applicable income taxes	$289,000	2,462
Income before extraordinary items	$561,000	4,418
Extraordinary gains, net	$0	25
Net income	$561,000	4,421
Minority interest net income	$0	84
Net income of bank and minority interests.	$561,000	4,422
Net charge-offs	$32,000	4,149
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$53,000	558
Net operating income	$561,000	4,345
2013-06-30 (YTD Data)		Rank
Total interest income	$3,426,000	3,340
Total interest expense	$192,000	5,144
Net interest income	$3,234,000	3,108
Provision for loan and lease losses	$20,000	4,231
Total noninterest income	$260,000	4,454
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$133,000	3,571
Trading account gains and fees	$0	157
Additional Noninterest Income	$127,000	4,440
Total noninterest expense	$2,959,000	3,029
Salaries and employee benefits	$1,670,000	2,922
Premises and equipment expense	$345,000	3,026
Additional noninterest expense	$944,000	3,094
Pre-tax net operating income	$515,000	4,103
Securities gains (losses)	$0	2,791
Applicable income taxes	$170,000	2,575
Income before extraordinary items	$345,000	4,542
Extraordinary gains, net	$0	22
Net income	$345,000	4,544
Minority interest net income	$0	82
Net income of bank and minority interests.	$345,000	4,545
Net charge-offs	$19,000	4,030
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$33,000	536
Net operating income	$345,000	4,447
2013-03-31 (YTD Data)		Rank
Total interest income	$1,707,000	3,379
Total interest expense	$99,000	5,164
Net interest income	$1,608,000	3,130
Provision for loan and lease losses	$20,000	3,573
Total noninterest income	$124,000	4,504
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$64,000	3,631
Trading account gains and fees	$0	148
Additional Noninterest Income	$60,000	4,488
Total noninterest expense	$1,467,000	3,057
Salaries and employee benefits	$834,000	2,944
Premises and equipment expense	$173,000	3,049
Additional noninterest expense	$460,000	3,164
Pre-tax net operating income	$245,000	4,163
Securities gains (losses)	$0	1,966
Applicable income taxes	$81,000	2,595
Income before extraordinary items	$164,000	4,599
Extraordinary gains, net	$0	10
Net income	$164,000	4,600
Minority interest net income	$0	76
Net income of bank and minority interests.	$164,000	4,601
Net charge-offs	$25,000	2,912
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$17,000	492
Net operating income	$164,000	4,497
2012-12-31 (YTD Data)		Rank
Total interest income	$7,147,000	3,397
Total interest expense	$444,000	5,342
Net interest income	$6,703,000	3,095
Provision for loan and lease losses	$226,000	3,775
Total noninterest income	$544,000	4,353
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$273,000	3,665
Trading account gains and fees	$0	166
Additional Noninterest Income	$271,000	4,178
Total noninterest expense	$5,941,000	3,073
Salaries and employee benefits	$3,364,000	2,888
Premises and equipment expense	$684,000	3,084
Additional noninterest expense	$1,893,000	3,216
Pre-tax net operating income	$1,080,000	3,896
Securities gains (losses)	$6,000	3,492
Applicable income taxes	$334,000	2,566
Income before extraordinary items	$752,000	4,356
Extraordinary gains, net	$0	29
Net income	$752,000	4,353
Minority interest net income	$0	93
Net income of bank and minority interests.	$752,000	4,355
Net charge-offs	$324,000	3,208
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$-9,000	6,989
Net operating income	$747,860	4,197
2012-09-30 (YTD Data)		Rank
Total interest income	$5,375,000	3,453
Total interest expense	$337,000	5,452
Net interest income	$5,038,000	3,139
Provision for loan and lease losses	$228,000	3,317
Total noninterest income	$385,000	4,492
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$207,000	3,688
Trading account gains and fees	$0	157
Additional Noninterest Income	$178,000	4,403
Total noninterest expense	$4,394,000	3,103
Salaries and employee benefits	$2,476,000	2,934
Premises and equipment expense	$512,000	3,114
Additional noninterest expense	$1,406,000	3,275
Pre-tax net operating income	$801,000	4,024
Securities gains (losses)	$6,000	3,225
Applicable income taxes	$241,000	2,669
Income before extraordinary items	$566,000	4,472
Extraordinary gains, net	$0	20
Net income	$566,000	4,471
Minority interest net income	$0	86
Net income of bank and minority interests.	$566,000	4,470
Net charge-offs	$226,000	3,154
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$19,000	770
Net operating income	$561,800	4,308
2012-06-30 (YTD Data)		Rank
Total interest income	$3,584,000	3,475
Total interest expense	$229,000	5,515
Net interest income	$3,355,000	3,156
Provision for loan and lease losses	$189,000	3,062
Total noninterest income	$264,000	4,464
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$141,000	3,634
Trading account gains and fees	$0	153
Additional Noninterest Income	$123,000	4,360
Total noninterest expense	$2,989,000	3,078
Salaries and employee benefits	$1,703,000	2,864
Premises and equipment expense	$341,000	3,123
Additional noninterest expense	$945,000	3,271
Pre-tax net operating income	$441,000	4,301
Securities gains (losses)	$6,000	2,847
Applicable income taxes	$124,000	2,882
Income before extraordinary items	$323,000	4,698
Extraordinary gains, net	$0	19
Net income	$323,000	4,701
Minority interest net income	$0	84
Net income of bank and minority interests.	$323,000	4,701
Net charge-offs	$288,000	2,367
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$6,000	832
Net operating income	$318,680	4,531
2012-03-31 (YTD Data)		Rank
Total interest income	$1,799,000	3,493
Total interest expense	$120,000	5,525
Net interest income	$1,679,000	3,158
Provision for loan and lease losses	$109,000	2,764
Total noninterest income	$128,000	4,541
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$72,000	3,586
Trading account gains and fees	$0	148
Additional Noninterest Income	$56,000	4,542
Total noninterest expense	$1,506,000	3,042
Salaries and employee benefits	$886,000	2,780
Premises and equipment expense	$173,000	3,110
Additional noninterest expense	$447,000	3,371
Pre-tax net operating income	$192,000	4,576
Securities gains (losses)	$2,000	2,023
Applicable income taxes	$52,000	3,038
Income before extraordinary items	$142,000	4,934
Extraordinary gains, net	$0	19
Net income	$142,000	4,937
Minority interest net income	$0	78
Net income of bank and minority interests.	$142,000	4,938
Net charge-offs	$175,000	1,961
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$3,000	776
Net operating income	$140,540	4,799
2011-12-31 (YTD Data)		Rank
Total interest income	$7,499,000	3,504
Total interest expense	$619,000	5,452
Net interest income	$6,880,000	3,115
Provision for loan and lease losses	$203,000	4,620
Total noninterest income	$287,000	5,279
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$332,000	3,401
Trading account gains and fees	$0	146
Additional Noninterest Income	$-45,000	6,815
Total noninterest expense	$6,202,000	2,981
Salaries and employee benefits	$3,596,000	2,684
Premises and equipment expense	$711,000	3,167
Additional noninterest expense	$1,895,000	3,281
Pre-tax net operating income	$762,000	4,156
Securities gains (losses)	$13,000	3,238
Applicable income taxes	$253,000	2,678
Income before extraordinary items	$522,000	4,599
Extraordinary gains, net	$0	29
Net income	$522,000	4,602
Minority interest net income	$0	96
Net income of bank and minority interests.	$522,000	4,601
Net charge-offs	$221,000	4,175
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$1,879,000	249
Net operating income	$513,290	4,510
2011-09-30 (YTD Data)		Rank
Total interest income	$5,627,000	3,545
Total interest expense	$490,000	5,449
Net interest income	$5,137,000	3,141
Provision for loan and lease losses	$176,000	4,327
Total noninterest income	$292,000	4,872
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$249,000	3,405
Trading account gains and fees	$0	145
Additional Noninterest Income	$43,000	5,927
Total noninterest expense	$4,676,000	2,961
Salaries and employee benefits	$2,690,000	2,690
Premises and equipment expense	$540,000	3,172
Additional noninterest expense	$1,446,000	3,244
Pre-tax net operating income	$577,000	4,282
Securities gains (losses)	$13,000	2,968
Applicable income taxes	$197,000	2,669
Income before extraordinary items	$393,000	4,688
Extraordinary gains, net	$0	21
Net income	$393,000	4,689
Minority interest net income	$0	87
Net income of bank and minority interests.	$393,000	4,689
Net charge-offs	$256,000	3,417
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$1,876,000	215
Net operating income	$384,290	4,588
2011-06-30 (YTD Data)		Rank
Total interest income	$3,705,000	3,607
Total interest expense	$342,000	5,479
Net interest income	$3,363,000	3,203
Provision for loan and lease losses	$93,000	4,471
Total noninterest income	$158,000	5,224
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$163,000	3,436
Trading account gains and fees	$0	153
Additional Noninterest Income	$-5,000	7,001
Total noninterest expense	$3,152,000	2,967
Salaries and employee benefits	$1,783,000	2,711
Premises and equipment expense	$362,000	3,173
Additional noninterest expense	$1,007,000	3,192
Pre-tax net operating income	$276,000	4,728
Securities gains (losses)	$10,000	2,357
Applicable income taxes	$91,000	2,931
Income before extraordinary items	$195,000	5,058
Extraordinary gains, net	$0	15
Net income	$195,000	5,058
Minority interest net income	$0	89
Net income of bank and minority interests.	$195,000	5,058
Net charge-offs	$37,000	4,702
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$1,871,000	123
Net operating income	$188,200	5,014
2011-03-31 (YTD Data)		Rank
Total interest income	$1,804,000	3,683
Total interest expense	$177,000	5,503
Net interest income	$1,627,000	3,274
Provision for loan and lease losses	$89,000	3,551
Total noninterest income	$149,000	4,171
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$72,000	3,641
Trading account gains and fees	$0	158
Additional Noninterest Income	$77,000	3,973
Total noninterest expense	$1,609,000	2,913
Salaries and employee benefits	$908,000	2,672
Premises and equipment expense	$178,000	3,269
Additional noninterest expense	$523,000	3,065
Pre-tax net operating income	$78,000	5,399
Securities gains (losses)	$6,000	1,415
Applicable income taxes	$25,000	3,306
Income before extraordinary items	$59,000	5,570
Extraordinary gains, net	$0	9
Net income	$59,000	5,568
Minority interest net income	$0	86
Net income of bank and minority interests.	$59,000	5,569
Net charge-offs	$50,000	3,347
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$5,000	788
Net operating income	$54,800	5,589
2010-12-31 (YTD Data)		Rank
Total interest income	$7,471,000	3,734
Total interest expense	$825,000	5,650
Net interest income	$6,646,000	3,214
Provision for loan and lease losses	$1,522,000	2,440
Total noninterest income	$764,000	3,744
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$349,000	3,341
Trading account gains and fees	$0	175
Additional Noninterest Income	$415,000	3,453
Total noninterest expense	$5,901,000	3,155
Salaries and employee benefits	$3,361,000	2,825
Premises and equipment expense	$737,000	3,160
Additional noninterest expense	$1,803,000	3,528
Pre-tax net operating income	$-13,000	5,803
Securities gains (losses)	$20,000	3,102
Applicable income taxes	$-19,000	6,617
Income before extraordinary items	$26,000	5,881
Extraordinary gains, net	$0	29
Net income	$26,000	5,881
Minority interest net income	$0	111
Net income of bank and minority interests.	$26,000	5,881
Net charge-offs	$1,932,000	1,898
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$353,000	520
Net operating income	$6,000	5,806
2010-09-30 (YTD Data)		Rank
Total interest income	$5,617,000	3,810
Total interest expense	$637,000	5,744
Net interest income	$4,980,000	3,258
Provision for loan and lease losses	$1,515,000	1,960
Total noninterest income	$557,000	3,844
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$257,000	3,452
Trading account gains and fees	$0	165
Additional Noninterest Income	$300,000	3,558
Total noninterest expense	$4,425,000	3,155
Salaries and employee benefits	$2,509,000	2,841
Premises and equipment expense	$558,000	3,192
Additional noninterest expense	$1,358,000	3,493
Pre-tax net operating income	$-403,000	6,479
Securities gains (losses)	$17,000	2,949
Applicable income taxes	$-176,000	7,175
Income before extraordinary items	$-210,000	6,449
Extraordinary gains, net	$0	23
Net income	$-210,000	6,450
Minority interest net income	$0	110
Net income of bank and minority interests.	$-210,000	6,449
Net charge-offs	$1,864,000	1,570
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$179,000	527
Net operating income	$-220,880	6,372
2010-06-30 (YTD Data)		Rank
Total interest income	$3,680,000	3,880
Total interest expense	$436,000	5,785
Net interest income	$3,244,000	3,320
Provision for loan and lease losses	$1,515,000	1,508
Total noninterest income	$309,000	4,204
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$174,000	3,426
Trading account gains and fees	$0	152
Additional Noninterest Income	$135,000	4,158
Total noninterest expense	$2,948,000	3,161
Salaries and employee benefits	$1,664,000	2,867
Premises and equipment expense	$380,000	3,167
Additional noninterest expense	$904,000	3,473
Pre-tax net operating income	$-910,000	6,970
Securities gains (losses)	$9,000	2,629
Applicable income taxes	$-382,000	7,433
Income before extraordinary items	$-519,000	6,876
Extraordinary gains, net	$0	19
Net income	$-519,000	6,878
Minority interest net income	$0	105
Net income of bank and minority interests.	$-519,000	6,877
Net charge-offs	$1,918,000	1,159
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$16,000	901
Net operating income	$-524,760	6,835
2010-03-31 (YTD Data)		Rank
Total interest income	$1,818,000	3,976
Total interest expense	$221,000	5,876
Net interest income	$1,597,000	3,391
Provision for loan and lease losses	$163,000	3,248
Total noninterest income	$136,000	4,491
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$86,000	3,446
Trading account gains and fees	$0	175
Additional Noninterest Income	$50,000	4,691
Total noninterest expense	$1,484,000	3,178
Salaries and employee benefits	$868,000	2,818
Premises and equipment expense	$191,000	3,241
Additional noninterest expense	$425,000	3,662
Pre-tax net operating income	$86,000	5,215
Securities gains (losses)	$5,000	1,894
Applicable income taxes	$32,000	3,122
Income before extraordinary items	$59,000	5,560
Extraordinary gains, net	$0	16
Net income	$59,000	5,562
Minority interest net income	$0	91
Net income of bank and minority interests.	$59,000	5,561
Net charge-offs	$576,000	1,475
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$8,000	851
Net operating income	$55,750	5,523
2009-12-31 (YTD Data)		Rank
Total interest income	$7,384,000	4,033
Total interest expense	$1,110,000	5,814
Net interest income	$6,274,000	3,331
Provision for loan and lease losses	$2,322,000	2,284
Total noninterest income	$459,000	4,880
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$308,000	3,833
Trading account gains and fees	$0	211
Additional Noninterest Income	$151,000	5,082
Total noninterest expense	$5,780,000	3,269
Salaries and employee benefits	$3,275,000	2,961
Premises and equipment expense	$742,000	3,312
Additional noninterest expense	$1,763,000	3,656
Pre-tax net operating income	$-1,369,000	6,399
Securities gains (losses)	$0	3,754
Applicable income taxes	$-578,000	7,092
Income before extraordinary items	$-791,000	6,256
Extraordinary gains, net	$0	34
Net income	$-791,000	6,255
Minority interest net income	$0	115
Net income of bank and minority interests.	$-791,000	6,255
Net charge-offs	$1,234,000	2,605
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$106,000	876
Net operating income	$-791,000	6,260
2009-09-30 (YTD Data)		Rank
Total interest income	$5,532,000	4,090
Total interest expense	$867,000	5,869
Net interest income	$4,665,000	3,361
Provision for loan and lease losses	$1,216,000	2,502
Total noninterest income	$359,000	4,862
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$220,000	3,929
Trading account gains and fees	$0	212
Additional Noninterest Income	$139,000	4,900
Total noninterest expense	$4,305,000	3,297
Salaries and employee benefits	$2,501,000	2,947
Premises and equipment expense	$557,000	3,358
Additional noninterest expense	$1,247,000	3,779
Pre-tax net operating income	$-497,000	6,333
Securities gains (losses)	$0	3,497
Applicable income taxes	$-218,000	7,116
Income before extraordinary items	$-279,000	6,210
Extraordinary gains, net	$0	27
Net income	$-279,000	6,211
Minority interest net income	$0	118
Net income of bank and minority interests.	$-279,000	6,210
Net charge-offs	$783,000	2,498
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$73,000	838
Net operating income	$-279,000	6,197
2009-06-30 (YTD Data)		Rank
Total interest income	$3,679,000	4,139
Total interest expense	$596,000	5,927
Net interest income	$3,083,000	3,379
Provision for loan and lease losses	$1,089,000	1,974
Total noninterest income	$242,000	4,875
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$137,000	4,058
Trading account gains and fees	$0	193
Additional Noninterest Income	$105,000	4,716
Total noninterest expense	$2,917,000	3,290
Salaries and employee benefits	$1,700,000	2,922
Premises and equipment expense	$373,000	3,365
Additional noninterest expense	$844,000	3,730
Pre-tax net operating income	$-681,000	6,789
Securities gains (losses)	$0	3,136
Applicable income taxes	$-287,000	7,405
Income before extraordinary items	$-394,000	6,644
Extraordinary gains, net	$0	21
Net income	$-394,000	6,645
Minority interest net income	$0	112
Net income of bank and minority interests.	$-394,000	6,645
Net charge-offs	$643,000	2,069
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$54,000	782
Net operating income	$-394,000	6,629
2009-03-31 (YTD Data)		Rank
Total interest income	$1,835,000	4,182
Total interest expense	$301,000	6,010
Net interest income	$1,534,000	3,389
Provision for loan and lease losses	$148,000	3,362
Total noninterest income	$139,000	4,576
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$66,000	4,093
Trading account gains and fees	$0	171
Additional Noninterest Income	$73,000	4,164
Total noninterest expense	$1,444,000	3,240
Salaries and employee benefits	$843,000	2,969
Premises and equipment expense	$188,000	3,400
Additional noninterest expense	$413,000	3,484
Pre-tax net operating income	$81,000	5,245
Securities gains (losses)	$0	2,434
Applicable income taxes	$31,000	3,260
Income before extraordinary items	$50,000	5,682
Extraordinary gains, net	$0	15
Net income	$50,000	5,685
Minority interest net income	$0	102
Net income of bank and minority interests.	$50,000	5,685
Net charge-offs	$81,000	3,089
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$41,000	553
Net operating income	$50,000	5,516
2008-12-31 (YTD Data)		Rank
Total interest income	$8,514,000	3,957
Total interest expense	$1,932,000	5,400
Net interest income	$6,582,000	3,228
Provision for loan and lease losses	$1,629,000	2,053
Total noninterest income	$512,000	4,787
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$310,000	3,961
Trading account gains and fees	$0	154
Additional Noninterest Income	$202,000	4,813
Total noninterest expense	$5,309,000	3,403
Salaries and employee benefits	$3,065,000	3,185
Premises and equipment expense	$740,000	3,369
Additional noninterest expense	$1,504,000	3,609
Pre-tax net operating income	$156,000	5,864
Securities gains (losses)	$0	3,220
Applicable income taxes	$51,000	3,847
Income before extraordinary items	$105,000	5,844
Extraordinary gains, net	$0	39
Net income	$105,000	5,845
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,095,000	1,866
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$-778,000	8,275
Net operating income	$105,000	5,991
2008-09-30 (YTD Data)		Rank
Total interest income	$6,523,000	3,958
Total interest expense	$1,550,000	5,347
Net interest income	$4,973,000	3,231
Provision for loan and lease losses	$1,422,000	1,475
Total noninterest income	$401,000	4,805
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$237,000	3,960
Trading account gains and fees	$0	148
Additional Noninterest Income	$164,000	4,802
Total noninterest expense	$4,185,000	3,270
Salaries and employee benefits	$2,455,000	3,043
Premises and equipment expense	$560,000	3,368
Additional noninterest expense	$1,170,000	3,449
Pre-tax net operating income	$-233,000	7,055
Securities gains (losses)	$0	3,106
Applicable income taxes	$0	5,372
Income before extraordinary items	$-233,000	6,943
Extraordinary gains, net	$0	31
Net income	$-233,000	6,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$982,000	1,320
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$-1,202,000	8,368
Net operating income	$-233,000	7,107
2008-06-30 (YTD Data)		Rank
Total interest income	$4,401,000	3,978
Total interest expense	$1,114,000	5,310
Net interest income	$3,287,000	3,247
Provision for loan and lease losses	$152,000	3,585
Total noninterest income	$276,000	4,799
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$161,000	3,926
Trading account gains and fees	$0	149
Additional Noninterest Income	$115,000	4,810
Total noninterest expense	$2,894,000	3,163
Salaries and employee benefits	$1,722,000	2,915
Premises and equipment expense	$378,000	3,358
Additional noninterest expense	$794,000	3,383
Pre-tax net operating income	$517,000	4,321
Securities gains (losses)	$0	3,233
Applicable income taxes	$206,000	2,657
Income before extraordinary items	$311,000	4,932
Extraordinary gains, net	$0	21
Net income	$311,000	4,933
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	4,260
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$-1,212,000	8,441
Net operating income	$311,000	4,874
2008-03-31 (YTD Data)		Rank
Total interest income	$2,263,000	3,987
Total interest expense	$625,000	5,173
Net interest income	$1,638,000	3,257
Provision for loan and lease losses	$33,000	4,291
Total noninterest income	$120,000	5,085
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$74,000	4,043
Trading account gains and fees	$0	158
Additional Noninterest Income	$46,000	5,219
Total noninterest expense	$1,475,000	3,111
Salaries and employee benefits	$895,000	2,842
Premises and equipment expense	$192,000	3,352
Additional noninterest expense	$388,000	3,402
Pre-tax net operating income	$250,000	4,529
Securities gains (losses)	$0	2,688
Applicable income taxes	$101,000	2,793
Income before extraordinary items	$149,000	5,213
Extraordinary gains, net	$0	15
Net income	$149,000	5,215
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,346
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$-949,000	8,481
Net operating income	$149,000	5,110
2007-12-31 (YTD Data)		Rank
Total interest income	$9,488,000	3,904
Total interest expense	$2,529,000	5,230
Net interest income	$6,959,000	3,125
Provision for loan and lease losses	$123,000	4,588
Total noninterest income	$519,000	4,957
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$312,000	4,008
Trading account gains and fees	$0	178
Additional Noninterest Income	$207,000	4,993
Total noninterest expense	$5,414,000	3,235
Salaries and employee benefits	$3,244,000	3,025
Premises and equipment expense	$709,000	3,410
Additional noninterest expense	$1,461,000	3,494
Pre-tax net operating income	$1,941,000	3,370
Securities gains (losses)	$0	2,146
Applicable income taxes	$787,000	2,159
Income before extraordinary items	$1,154,000	4,015
Extraordinary gains, net	$0	39
Net income	$1,154,000	4,016
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,625
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$247,000	696
Net operating income	$1,154,000	4,010
2007-09-30 (YTD Data)		Rank
Total interest income	$7,114,000	3,919
Total interest expense	$1,869,000	5,281
Net interest income	$5,245,000	3,111
Provision for loan and lease losses	$94,000	4,213
Total noninterest income	$404,000	4,882
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$234,000	4,004
Trading account gains and fees	$0	184
Additional Noninterest Income	$170,000	4,816
Total noninterest expense	$4,020,000	3,231
Salaries and employee benefits	$2,392,000	3,040
Premises and equipment expense	$516,000	3,474
Additional noninterest expense	$1,112,000	3,387
Pre-tax net operating income	$1,535,000	3,422
Securities gains (losses)	$0	1,655
Applicable income taxes	$618,000	2,244
Income before extraordinary items	$917,000	4,080
Extraordinary gains, net	$0	33
Net income	$917,000	4,079
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$191,000	603
Net operating income	$917,000	4,065
2007-06-30 (YTD Data)		Rank
Total interest income	$4,650,000	3,980
Total interest expense	$1,204,000	5,370
Net interest income	$3,446,000	3,169
Provision for loan and lease losses	$80,000	3,654
Total noninterest income	$281,000	4,808
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$153,000	4,045
Trading account gains and fees	$0	168
Additional Noninterest Income	$128,000	4,623
Total noninterest expense	$2,620,000	3,326
Salaries and employee benefits	$1,574,000	3,115
Premises and equipment expense	$332,000	3,585
Additional noninterest expense	$714,000	3,508
Pre-tax net operating income	$1,027,000	3,471
Securities gains (losses)	$0	1,444
Applicable income taxes	$403,000	2,369
Income before extraordinary items	$624,000	4,079
Extraordinary gains, net	$0	29
Net income	$624,000	4,079
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,195
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$171,000	483
Net operating income	$624,000	4,069
2007-03-31 (YTD Data)		Rank
Total interest income	$2,242,000	4,081
Total interest expense	$579,000	5,474
Net interest income	$1,663,000	3,258
Provision for loan and lease losses	$13,000	4,876
Total noninterest income	$144,000	4,732
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$75,000	4,035
Trading account gains and fees	$0	195
Additional Noninterest Income	$69,000	4,489
Total noninterest expense	$1,243,000	3,467
Salaries and employee benefits	$765,000	3,212
Premises and equipment expense	$153,000	3,821
Additional noninterest expense	$325,000	3,724
Pre-tax net operating income	$551,000	3,301
Securities gains (losses)	$0	1,187
Applicable income taxes	$225,000	2,240
Income before extraordinary items	$326,000	3,978
Extraordinary gains, net	$0	22
Net income	$326,000	3,979
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,566
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$116,000	322
Net operating income	$326,000	3,961
2006-12-31 (YTD Data)		Rank
Total interest income	$7,657,000	4,319
Total interest expense	$1,751,000	5,757
Net interest income	$5,906,000	3,564
Provision for loan and lease losses	$91,000	4,869
Total noninterest income	$447,000	5,373
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$246,000	4,540
Trading account gains and fees	$0	130
Additional Noninterest Income	$201,000	5,115
Total noninterest expense	$4,414,000	3,679
Salaries and employee benefits	$2,625,000	3,489
Premises and equipment expense	$587,000	3,833
Additional noninterest expense	$1,202,000	3,926
Pre-tax net operating income	$1,848,000	3,828
Securities gains (losses)	$0	1,687
Applicable income taxes	$767,000	2,532
Income before extraordinary items	$1,081,000	4,532
Extraordinary gains, net	$0	51
Net income	$1,081,000	4,534
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,543
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$327,000	667
Net operating income	$1,081,000	4,520
2006-09-30 (YTD Data)		Rank
Total interest income	$5,568,000	4,384
Total interest expense	$1,224,000	5,869
Net interest income	$4,344,000	3,635
Provision for loan and lease losses	$0	6,685
Total noninterest income	$333,000	5,417
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$181,000	4,618
Trading account gains and fees	$0	126
Additional Noninterest Income	$152,000	5,098
Total noninterest expense	$3,247,000	3,740
Salaries and employee benefits	$1,922,000	3,549
Premises and equipment expense	$431,000	3,894
Additional noninterest expense	$894,000	3,940
Pre-tax net operating income	$1,430,000	3,899
Securities gains (losses)	$0	1,388
Applicable income taxes	$603,000	2,586
Income before extraordinary items	$827,000	4,623
Extraordinary gains, net	$0	45
Net income	$827,000	4,627
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,294
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$197,000	593
Net operating income	$827,000	4,617
2006-06-30 (YTD Data)		Rank
Total interest income	$3,582,000	4,441
Total interest expense	$759,000	5,937
Net interest income	$2,823,000	3,710
Provision for loan and lease losses	$0	6,419
Total noninterest income	$202,000	5,614
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$116,000	4,683
Trading account gains and fees	$0	126
Additional Noninterest Income	$86,000	5,447
Total noninterest expense	$2,133,000	3,792
Salaries and employee benefits	$1,254,000	3,615
Premises and equipment expense	$286,000	3,912
Additional noninterest expense	$593,000	3,951
Pre-tax net operating income	$892,000	4,064
Securities gains (losses)	$0	1,185
Applicable income taxes	$373,000	2,720
Income before extraordinary items	$519,000	4,790
Extraordinary gains, net	$0	39
Net income	$519,000	4,794
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,673
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$181,000	446
Net operating income	$519,000	4,778
2006-03-31 (YTD Data)		Rank
Total interest income	$1,746,000	4,462
Total interest expense	$361,000	5,954
Net interest income	$1,385,000	3,766
Provision for loan and lease losses	$0	6,013
Total noninterest income	$104,000	5,514
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$56,000	4,691
Trading account gains and fees	$0	115
Additional Noninterest Income	$48,000	5,189
Total noninterest expense	$1,040,000	3,899
Salaries and employee benefits	$613,000	3,700
Premises and equipment expense	$133,000	4,114
Additional noninterest expense	$294,000	3,959
Pre-tax net operating income	$449,000	3,997
Securities gains (losses)	$0	955
Applicable income taxes	$189,000	2,686
Income before extraordinary items	$260,000	4,773
Extraordinary gains, net	$0	21
Net income	$260,000	4,773
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,110
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$164,000	260
Net operating income	$260,000	4,749
2005-12-31 (YTD Data)		Rank
Total interest income	$5,154,000	5,056
Total interest expense	$941,000	6,432
Net interest income	$4,213,000	4,467
Provision for loan and lease losses	$222,000	3,415
Total noninterest income	$476,000	5,347
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$205,000	4,982
Trading account gains and fees	$0	138
Additional Noninterest Income	$271,000	4,558
Total noninterest expense	$3,470,000	4,309
Salaries and employee benefits	$2,037,000	4,077
Premises and equipment expense	$435,000	4,612
Additional noninterest expense	$998,000	4,427
Pre-tax net operating income	$997,000	5,373
Securities gains (losses)	$0	2,296
Applicable income taxes	$291,000	4,177
Income before extraordinary items	$706,000	5,646
Extraordinary gains, net	$0	46
Net income	$706,000	5,648
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,503
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$7,181,000	254
Net operating income	$706,000	5,624
2005-09-30 (YTD Data)		Rank
Total interest income	$3,608,000	5,247
Total interest expense	$623,000	6,630
Net interest income	$2,985,000	4,663
Provision for loan and lease losses	$102,000	4,129
Total noninterest income	$346,000	5,457
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$148,000	5,101
Trading account gains and fees	$0	126
Additional Noninterest Income	$198,000	4,627
Total noninterest expense	$2,456,000	4,480
Salaries and employee benefits	$1,427,000	4,247
Premises and equipment expense	$309,000	4,740
Additional noninterest expense	$720,000	4,534
Pre-tax net operating income	$773,000	5,407
Securities gains (losses)	$0	2,317
Applicable income taxes	$198,000	4,432
Income before extraordinary items	$575,000	5,562
Extraordinary gains, net	$0	35
Net income	$575,000	5,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$7,131,000	180
Net operating income	$575,000	5,524
2005-06-30 (YTD Data)		Rank
Total interest income	$2,267,000	5,365
Total interest expense	$382,000	6,713
Net interest income	$1,885,000	4,786
Provision for loan and lease losses	$54,000	4,449
Total noninterest income	$228,000	5,451
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$90,000	5,257
Trading account gains and fees	$0	116
Additional Noninterest Income	$138,000	4,501
Total noninterest expense	$1,550,000	4,630
Salaries and employee benefits	$912,000	4,369
Premises and equipment expense	$189,000	5,007
Additional noninterest expense	$449,000	4,729
Pre-tax net operating income	$509,000	5,445
Securities gains (losses)	$0	2,146
Applicable income taxes	$93,000	4,905
Income before extraordinary items	$416,000	5,350
Extraordinary gains, net	$0	30
Net income	$416,000	5,352
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$7,131,000	117
Net operating income	$416,000	5,310
2005-03-31 (YTD Data)		Rank
Total interest income	$1,070,000	5,529
Total interest expense	$175,000	6,851
Net interest income	$895,000	4,983
Provision for loan and lease losses	$27,000	4,321
Total noninterest income	$102,000	5,632
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$44,000	5,270
Trading account gains and fees	$0	115
Additional Noninterest Income	$58,000	4,849
Total noninterest expense	$724,000	4,876
Salaries and employee benefits	$428,000	4,605
Premises and equipment expense	$89,000	5,250
Additional noninterest expense	$207,000	4,958
Pre-tax net operating income	$246,000	5,482
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$246,000	4,914
Extraordinary gains, net	$0	24
Net income	$246,000	4,915
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$49,000	324
Net operating income	$246,000	4,868
2004-12-31 (YTD Data)		Rank
Total interest income	$3,369,000	6,075
Total interest expense	$511,000	7,263
Net interest income	$2,858,000	5,560
Provision for loan and lease losses	$129,000	4,503
Total noninterest income	$440,000	5,586
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$166,000	5,602
Trading account gains and fees	$0	138
Additional Noninterest Income	$274,000	4,443
Total noninterest expense	$2,586,000	5,184
Salaries and employee benefits	$1,520,000	4,900
Premises and equipment expense	$357,000	5,139
Additional noninterest expense	$709,000	5,483
Pre-tax net operating income	$583,000	6,438
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$583,000	6,014
Extraordinary gains, net	$0	34
Net income	$583,000	6,017
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$179,000	591
Net operating income	$583,000	5,947
2004-09-30 (YTD Data)		Rank
Total interest income	$2,406,000	6,235
Total interest expense	$369,000	7,354
Net interest income	$2,037,000	5,736
Provision for loan and lease losses	$81,000	4,696
Total noninterest income	$324,000	5,656
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$122,000	5,684
Trading account gains and fees	$0	134
Additional Noninterest Income	$202,000	4,478
Total noninterest expense	$1,940,000	5,142
Salaries and employee benefits	$1,147,000	4,827
Premises and equipment expense	$268,000	5,108
Additional noninterest expense	$525,000	5,487
Pre-tax net operating income	$340,000	6,999
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$340,000	6,665
Extraordinary gains, net	$0	26
Net income	$340,000	6,665
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$20,000	661
Net operating income	$340,000	6,593
2004-06-30 (YTD Data)		Rank
Total interest income	$1,538,000	6,387
Total interest expense	$244,000	7,429
Net interest income	$1,294,000	5,888
Provision for loan and lease losses	$49,000	4,763
Total noninterest income	$208,000	5,730
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$81,000	5,696
Trading account gains and fees	$0	130
Additional Noninterest Income	$127,000	4,664
Total noninterest expense	$1,278,000	5,205
Salaries and employee benefits	$757,000	4,895
Premises and equipment expense	$177,000	5,163
Additional noninterest expense	$344,000	5,561
Pre-tax net operating income	$175,000	7,379
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$175,000	7,118
Extraordinary gains, net	$0	21
Net income	$175,000	7,118
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$20,000	555
Net operating income	$175,000	7,041
2004-03-31 (YTD Data)		Rank
Total interest income	$742,000	6,522
Total interest expense	$119,000	7,546
Net interest income	$623,000	6,024
Provision for loan and lease losses	$13,000	5,421
Total noninterest income	$88,000	6,069
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$38,000	5,782
Trading account gains and fees	$0	121
Additional Noninterest Income	$50,000	5,122
Total noninterest expense	$616,000	5,363
Salaries and employee benefits	$362,000	5,069
Premises and equipment expense	$88,000	5,242
Additional noninterest expense	$166,000	5,673
Pre-tax net operating income	$82,000	7,438
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$82,000	7,188
Extraordinary gains, net	$0	16
Net income	$82,000	7,190
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$20,000	377
Net operating income	$82,000	7,113
2003-12-31 (YTD Data)		Rank
Total interest income	$2,469,000	7,065
Total interest expense	$470,000	7,843
Net interest income	$1,999,000	6,596
Provision for loan and lease losses	$178,000	4,291
Total noninterest income	$651,000	4,748
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$152,000	5,836
Trading account gains and fees	$0	160
Additional Noninterest Income	$499,000	3,586
Total noninterest expense	$2,199,000	5,683
Salaries and employee benefits	$1,260,000	5,472
Premises and equipment expense	$324,000	5,429
Additional noninterest expense	$615,000	5,916
Pre-tax net operating income	$273,000	7,538
Securities gains (losses)	$0	4,500
Applicable income taxes	$1,000	7,379
Income before extraordinary items	$272,000	7,412
Extraordinary gains, net	$0	54
Net income	$272,000	7,413
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	8,690
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$30,000	765
Net operating income	$272,000	7,275
2003-09-30 (YTD Data)		Rank
Total interest income	$1,750,000	7,303
Total interest expense	$349,000	8,025
Net interest income	$1,401,000	6,830
Provision for loan and lease losses	$129,000	4,241
Total noninterest income	$539,000	4,527
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$117,000	5,833
Trading account gains and fees	$0	153
Additional Noninterest Income	$422,000	3,438
Total noninterest expense	$1,608,000	5,739
Salaries and employee benefits	$910,000	5,562
Premises and equipment expense	$235,000	5,523
Additional noninterest expense	$463,000	5,880
Pre-tax net operating income	$203,000	7,712
Securities gains (losses)	$0	4,204
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$202,000	7,577
Extraordinary gains, net	$0	40
Net income	$202,000	7,581
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	8,639
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$202,000	7,425
2003-06-30 (YTD Data)		Rank
Total interest income	$1,077,000	7,530
Total interest expense	$220,000	8,202
Net interest income	$857,000	7,095
Provision for loan and lease losses	$101,000	3,832
Total noninterest income	$369,000	4,438
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$75,000	5,891
Trading account gains and fees	$0	150
Additional Noninterest Income	$294,000	3,327
Total noninterest expense	$1,019,000	5,929
Salaries and employee benefits	$567,000	5,800
Premises and equipment expense	$149,000	5,669
Additional noninterest expense	$303,000	5,950
Pre-tax net operating income	$106,000	7,954
Securities gains (losses)	$0	3,782
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$105,000	7,902
Extraordinary gains, net	$0	30
Net income	$105,000	7,903
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	8,223
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$105,000	7,729
2003-03-31 (YTD Data)		Rank
Total interest income	$485,000	7,809
Total interest expense	$92,000	8,532
Net interest income	$393,000	7,336
Provision for loan and lease losses	$44,000	4,021
Total noninterest income	$168,000	4,593
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$34,000	6,012
Trading account gains and fees	$0	134
Additional Noninterest Income	$134,000	3,408
Total noninterest expense	$490,000	6,070
Salaries and employee benefits	$268,000	6,005
Premises and equipment expense	$70,000	5,840
Additional noninterest expense	$152,000	5,884
Pre-tax net operating income	$27,000	8,356
Securities gains (losses)	$0	2,891
Applicable income taxes	$1,000	7,273
Income before extraordinary items	$26,000	8,360
Extraordinary gains, net	$0	21
Net income	$26,000	8,358
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,979
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$26,000	8,235
2002-12-31 (YTD Data)		Rank
Total interest income	$1,418,000	8,485
Total interest expense	$360,000	8,765
Net interest income	$1,058,000	8,179
Provision for loan and lease losses	$137,000	5,105
Total noninterest income	$449,000	5,493
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$114,000	6,335
Trading account gains and fees	$0	153
Additional Noninterest Income	$335,000	4,026
Total noninterest expense	$1,651,000	6,568
Salaries and employee benefits	$906,000	6,497
Premises and equipment expense	$285,000	5,732
Additional noninterest expense	$460,000	6,742
Pre-tax net operating income	$-281,000	8,875
Securities gains (losses)	$0	4,537
Applicable income taxes	$1,000	7,615
Income before extraordinary items	$-282,000	8,953
Extraordinary gains, net	$0	70
Net income	$-282,000	8,952
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,572
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$20,000	769
Net operating income	$-282,000	8,897
2001-12-31 (YTD Data)		Rank
Total interest income	$653,000	9,350
Total interest expense	$202,000	9,385
Net interest income	$451,000	9,259
Provision for loan and lease losses	$110,000	5,436
Total noninterest income	$169,000	7,646
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$31,000	7,960
Trading account gains and fees	$0	177
Additional Noninterest Income	$138,000	5,698
Total noninterest expense	$1,363,000	7,089
Salaries and employee benefits	$597,000	7,687
Premises and equipment expense	$270,000	5,857
Additional noninterest expense	$496,000	6,462
Pre-tax net operating income	$-853,000	9,307
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,000	7,858
Income before extraordinary items	$-854,000	9,375
Extraordinary gains, net	$0	105
Net income	$-854,000	9,376
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$5,683,000	159
Net operating income	$-854,000	9,344

* 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.