Home > Heritage Bank of Nevada > Income and Expense

Heritage Bank of Nevada, Income and Expense

2019-06-30 (YTD Data)		Rank
Total interest income	$19,390,000	877
Total interest expense	$1,351,000	1,932
Net interest income	$18,039,000	768
Provision for loan and lease losses	$0	3,685
Total noninterest income	$1,270,000	1,698
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$310,000	1,623
Trading account gains and fees	NA	NA
Additional Noninterest Income	$960,000	1,533
Total noninterest expense	$6,830,000	1,482
Salaries and employee benefits	$4,080,000	1,437
Premises and equipment expense	$666,000	1,686
Additional noninterest expense	$2,084,000	1,475
Pre-tax net operating income	$12,479,000	512
Securities gains (losses)	$0	1,702
Applicable income taxes	$1,516,000	688
Income before extraordinary items	$10,963,000	504
Extraordinary gains, net	$0	11
Net income	$10,963,000	503
Minority interest net income	$0	69
Net income of bank and minority interests.	$10,963,000	503
Net charge-offs	$-29,000	4,771
Cash dividends	$4,525,000	473
Sale, conversion, retirement of capital stock, net	$227,000	253
Net operating income	$10,963,000	485
2019-03-31 (YTD Data)		Rank
Total interest income	$9,706,000	876
Total interest expense	$660,000	1,924
Net interest income	$9,046,000	764
Provision for loan and lease losses	$0	3,406
Total noninterest income	$502,000	1,921
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$153,000	1,645
Trading account gains and fees	NA	NA
Additional Noninterest Income	$349,000	1,813
Total noninterest expense	$3,384,000	1,498
Salaries and employee benefits	$2,016,000	1,451
Premises and equipment expense	$338,000	1,685
Additional noninterest expense	$1,030,000	1,486
Pre-tax net operating income	$6,164,000	509
Securities gains (losses)	$0	1,087
Applicable income taxes	$1,244,000	505
Income before extraordinary items	$4,920,000	528
Extraordinary gains, net	$0	5
Net income	$4,920,000	526
Minority interest net income	$0	52
Net income of bank and minority interests.	$4,920,000	527
Net charge-offs	$-4,000	4,334
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$113,000	222
Net operating income	$4,920,000	513
2018-12-31 (YTD Data)		Rank
Total interest income	$36,193,000	872
Total interest expense	$2,024,000	1,921
Net interest income	$34,169,000	777
Provision for loan and lease losses	$-750,000	5,327
Total noninterest income	$2,481,000	1,764
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$647,000	1,634
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,834,000	1,580
Total noninterest expense	$13,690,000	1,451
Salaries and employee benefits	$8,176,000	1,397
Premises and equipment expense	$1,402,000	1,599
Additional noninterest expense	$4,112,000	1,468
Pre-tax net operating income	$23,710,000	519
Securities gains (losses)	$-16,000	4,523
Applicable income taxes	$4,708,000	496
Income before extraordinary items	$18,986,000	541
Extraordinary gains, net	$0	6
Net income	$18,986,000	540
Minority interest net income	$0	72
Net income of bank and minority interests.	$18,986,000	540
Net charge-offs	$-231,000	5,193
Cash dividends	$3,036,000	1,066
Sale, conversion, retirement of capital stock, net	$558,000	299
Net operating income	$18,998,800	537
2018-09-30 (YTD Data)		Rank
Total interest income	$26,465,000	879
Total interest expense	$1,465,000	1,897
Net interest income	$25,000,000	791
Provision for loan and lease losses	$-900,000	5,415
Total noninterest income	$1,867,000	1,762
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$485,000	1,637
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,382,000	1,593
Total noninterest expense	$10,213,000	1,462
Salaries and employee benefits	$6,028,000	1,408
Premises and equipment expense	$1,062,000	1,593
Additional noninterest expense	$3,123,000	1,462
Pre-tax net operating income	$17,554,000	524
Securities gains (losses)	$-16,000	4,874
Applicable income taxes	$3,379,000	517
Income before extraordinary items	$14,159,000	541
Extraordinary gains, net	$0	5
Net income	$14,159,000	539
Minority interest net income	$0	66
Net income of bank and minority interests.	$14,159,000	540
Net charge-offs	$-201,000	5,254
Cash dividends	$3,036,000	770
Sale, conversion, retirement of capital stock, net	$409,000	271
Net operating income	$14,171,960	541
2018-06-30 (YTD Data)		Rank
Total interest income	$17,279,000	886
Total interest expense	$966,000	1,825
Net interest income	$16,313,000	806
Provision for loan and lease losses	$-300,000	5,431
Total noninterest income	$1,336,000	1,685
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$340,000	1,565
Trading account gains and fees	NA	NA
Additional Noninterest Income	$996,000	1,524
Total noninterest expense	$6,719,000	1,479
Salaries and employee benefits	$3,954,000	1,441
Premises and equipment expense	$695,000	1,629
Additional noninterest expense	$2,070,000	1,465
Pre-tax net operating income	$11,230,000	542
Securities gains (losses)	$-16,000	5,070
Applicable income taxes	$2,115,000	540
Income before extraordinary items	$9,099,000	551
Extraordinary gains, net	$0	6
Net income	$9,099,000	548
Minority interest net income	$0	65
Net income of bank and minority interests.	$9,099,000	550
Net charge-offs	$-154,000	5,302
Cash dividends	$2,037,000	748
Sale, conversion, retirement of capital stock, net	$267,000	252
Net operating income	$9,111,960	551
2018-03-31 (YTD Data)		Rank
Total interest income	$8,360,000	905
Total interest expense	$481,000	1,763
Net interest income	$7,879,000	823
Provision for loan and lease losses	$0	3,508
Total noninterest income	$637,000	1,731
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$170,000	1,571
Trading account gains and fees	NA	NA
Additional Noninterest Income	$467,000	1,554
Total noninterest expense	$3,386,000	1,490
Salaries and employee benefits	$2,017,000	1,420
Premises and equipment expense	$353,000	1,632
Additional noninterest expense	$1,016,000	1,491
Pre-tax net operating income	$5,130,000	569
Securities gains (losses)	$-16,000	5,283
Applicable income taxes	$798,000	625
Income before extraordinary items	$4,316,000	563
Extraordinary gains, net	$0	7
Net income	$4,316,000	564
Minority interest net income	$0	52
Net income of bank and minority interests.	$4,316,000	563
Net charge-offs	$-147,000	5,444
Cash dividends	$1,019,000	697
Sale, conversion, retirement of capital stock, net	$130,000	232
Net operating income	$4,329,440	562
2017-12-31 (YTD Data)		Rank
Total interest income	$31,906,000	903
Total interest expense	$1,122,000	2,359
Net interest income	$30,784,000	818
Provision for loan and lease losses	$-575,000	5,541
Total noninterest income	$2,719,000	1,689
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$712,000	1,546
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,007,000	1,533
Total noninterest expense	$13,140,000	1,512
Salaries and employee benefits	$7,679,000	1,458
Premises and equipment expense	$1,349,000	1,668
Additional noninterest expense	$4,112,000	1,478
Pre-tax net operating income	$20,938,000	531
Securities gains (losses)	$5,000	1,791
Applicable income taxes	$8,664,000	451
Income before extraordinary items	$12,279,000	625
Extraordinary gains, net	$0	9
Net income	$12,279,000	625
Minority interest net income	$0	76
Net income of bank and minority interests.	$12,279,000	625
Net charge-offs	$105,000	2,381
Cash dividends	$5,426,000	626
Sale, conversion, retirement of capital stock, net	$440,000	310
Net operating income	$12,275,800	619
2017-09-30 (YTD Data)		Rank
Total interest income	$23,516,000	916
Total interest expense	$806,000	2,400
Net interest income	$22,710,000	829
Provision for loan and lease losses	$0	4,088
Total noninterest income	$2,006,000	1,718
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$536,000	1,550
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,470,000	1,568
Total noninterest expense	$9,853,000	1,520
Salaries and employee benefits	$5,721,000	1,470
Premises and equipment expense	$1,015,000	1,673
Additional noninterest expense	$3,117,000	1,466
Pre-tax net operating income	$14,863,000	558
Securities gains (losses)	$0	2,274
Applicable income taxes	$4,990,000	494
Income before extraordinary items	$9,873,000	635
Extraordinary gains, net	$0	9
Net income	$9,873,000	635
Minority interest net income	$0	71
Net income of bank and minority interests.	$9,873,000	635
Net charge-offs	$113,000	1,817
Cash dividends	$4,447,000	556
Sale, conversion, retirement of capital stock, net	$337,000	291
Net operating income	$9,873,000	624
2017-06-30 (YTD Data)		Rank
Total interest income	$15,297,000	931
Total interest expense	$532,000	2,370
Net interest income	$14,765,000	849
Provision for loan and lease losses	$0	3,871
Total noninterest income	$1,274,000	1,769
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$356,000	1,545
Trading account gains and fees	NA	NA
Additional Noninterest Income	$918,000	1,627
Total noninterest expense	$6,393,000	1,548
Salaries and employee benefits	$3,740,000	1,499
Premises and equipment expense	$677,000	1,682
Additional noninterest expense	$1,976,000	1,525
Pre-tax net operating income	$9,646,000	564
Securities gains (losses)	$0	1,906
Applicable income taxes	$3,217,000	496
Income before extraordinary items	$6,429,000	630
Extraordinary gains, net	$0	11
Net income	$6,429,000	630
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,429,000	630
Net charge-offs	$108,000	1,461
Cash dividends	$3,467,000	493
Sale, conversion, retirement of capital stock, net	$224,000	266
Net operating income	$6,429,000	620
2017-03-31 (YTD Data)		Rank
Total interest income	$7,445,000	945
Total interest expense	$266,000	2,361
Net interest income	$7,179,000	863
Provision for loan and lease losses	$0	3,537
Total noninterest income	$593,000	1,837
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$177,000	1,551
Trading account gains and fees	NA	NA
Additional Noninterest Income	$416,000	1,716
Total noninterest expense	$3,198,000	1,560
Salaries and employee benefits	$1,900,000	1,496
Premises and equipment expense	$342,000	1,678
Additional noninterest expense	$956,000	1,571
Pre-tax net operating income	$4,574,000	568
Securities gains (losses)	$0	1,153
Applicable income taxes	$1,504,000	510
Income before extraordinary items	$3,070,000	645
Extraordinary gains, net	$0	8
Net income	$3,070,000	645
Minority interest net income	$0	55
Net income of bank and minority interests.	$3,070,000	645
Net charge-offs	$-7,000	4,847
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$94,000	258
Net operating income	$3,070,000	634
2016-12-31 (YTD Data)		Rank
Total interest income	$28,556,000	955
Total interest expense	$969,000	2,473
Net interest income	$27,587,000	863
Provision for loan and lease losses	$-171,000	5,629
Total noninterest income	$3,227,000	1,570
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$718,000	1,578
Trading account gains and fees	$0	170
Additional Noninterest Income	$2,509,000	1,369
Total noninterest expense	$12,865,000	1,519
Salaries and employee benefits	$7,350,000	1,479
Premises and equipment expense	$1,418,000	1,603
Additional noninterest expense	$4,097,000	1,502
Pre-tax net operating income	$18,120,000	562
Securities gains (losses)	$-5,000	5,596
Applicable income taxes	$5,847,000	498
Income before extraordinary items	$12,268,000	639
Extraordinary gains, net	$0	5
Net income	$12,268,000	638
Minority interest net income	$0	82
Net income of bank and minority interests.	$12,268,000	638
Net charge-offs	$-153,000	5,616
Cash dividends	$3,702,000	881
Sale, conversion, retirement of capital stock, net	$329,000	332
Net operating income	$12,271,400	624
2016-09-30 (YTD Data)		Rank
Total interest income	$21,189,000	962
Total interest expense	$699,000	2,539
Net interest income	$20,490,000	868
Provision for loan and lease losses	$96,000	2,787
Total noninterest income	$2,422,000	1,557
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$546,000	1,565
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,876,000	1,365
Total noninterest expense	$9,611,000	1,518
Salaries and employee benefits	$5,511,000	1,478
Premises and equipment expense	$1,044,000	1,632
Additional noninterest expense	$3,056,000	1,516
Pre-tax net operating income	$13,205,000	575
Securities gains (losses)	$-5,000	5,761
Applicable income taxes	$4,157,000	524
Income before extraordinary items	$9,043,000	650
Extraordinary gains, net	$0	5
Net income	$9,043,000	650
Minority interest net income	$0	71
Net income of bank and minority interests.	$9,043,000	650
Net charge-offs	$-123,000	5,625
Cash dividends	$3,193,000	722
Sale, conversion, retirement of capital stock, net	$250,000	307
Net operating income	$9,046,450	628
2016-06-30 (YTD Data)		Rank
Total interest income	$13,935,000	971
Total interest expense	$456,000	2,586
Net interest income	$13,479,000	876
Provision for loan and lease losses	$96,000	2,359
Total noninterest income	$1,762,000	1,447
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$357,000	1,568
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,405,000	1,238
Total noninterest expense	$6,407,000	1,530
Salaries and employee benefits	$3,661,000	1,489
Premises and equipment expense	$702,000	1,614
Additional noninterest expense	$2,044,000	1,510
Pre-tax net operating income	$8,738,000	566
Securities gains (losses)	$-5,000	5,854
Applicable income taxes	$2,674,000	525
Income before extraordinary items	$6,059,000	644
Extraordinary gains, net	$0	16
Net income	$6,059,000	642
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,059,000	643
Net charge-offs	$-88,000	5,672
Cash dividends	$3,193,000	535
Sale, conversion, retirement of capital stock, net	$162,000	309
Net operating income	$6,062,450	619
2016-03-31 (YTD Data)		Rank
Total interest income	$6,807,000	998
Total interest expense	$225,000	2,623
Net interest income	$6,582,000	908
Provision for loan and lease losses	$21,000	2,849
Total noninterest income	$1,129,000	1,194
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$180,000	1,553
Trading account gains and fees	$0	142
Additional Noninterest Income	$949,000	968
Total noninterest expense	$3,260,000	1,505
Salaries and employee benefits	$1,867,000	1,467
Premises and equipment expense	$359,000	1,592
Additional noninterest expense	$1,034,000	1,480
Pre-tax net operating income	$4,430,000	540
Securities gains (losses)	$0	2,077
Applicable income taxes	$1,241,000	545
Income before extraordinary items	$3,189,000	576
Extraordinary gains, net	$0	12
Net income	$3,189,000	575
Minority interest net income	$0	62
Net income of bank and minority interests.	$3,189,000	576
Net charge-offs	$-18,000	5,431
Cash dividends	$1,665,000	499
Sale, conversion, retirement of capital stock, net	$59,000	321
Net operating income	$3,189,000	561
2015-12-31 (YTD Data)		Rank
Total interest income	$25,581,000	1,018
Total interest expense	$876,000	2,657
Net interest income	$24,705,000	924
Provision for loan and lease losses	$-605,000	5,979
Total noninterest income	$2,774,000	1,693
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$750,000	1,556
Trading account gains and fees	$0	159
Additional Noninterest Income	$2,024,000	1,508
Total noninterest expense	$12,349,000	1,562
Salaries and employee benefits	$6,956,000	1,525
Premises and equipment expense	$1,296,000	1,764
Additional noninterest expense	$4,097,000	1,487
Pre-tax net operating income	$15,735,000	593
Securities gains (losses)	$9,000	2,638
Applicable income taxes	$4,924,000	525
Income before extraordinary items	$10,820,000	682
Extraordinary gains, net	$0	23
Net income	$10,820,000	681
Minority interest net income	$0	81
Net income of bank and minority interests.	$10,820,000	682
Net charge-offs	$-83,000	5,685
Cash dividends	$490,000	2,966
Sale, conversion, retirement of capital stock, net	$350,000	360
Net operating income	$10,813,790	672
2015-09-30 (YTD Data)		Rank
Total interest income	$18,990,000	1,033
Total interest expense	$651,000	2,703
Net interest income	$18,339,000	940
Provision for loan and lease losses	$0	4,232
Total noninterest income	$2,111,000	1,686
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$562,000	1,568
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,549,000	1,501
Total noninterest expense	$9,086,000	1,598
Salaries and employee benefits	$5,172,000	1,541
Premises and equipment expense	$957,000	1,805
Additional noninterest expense	$2,957,000	1,542
Pre-tax net operating income	$11,364,000	634
Securities gains (losses)	$9,000	2,412
Applicable income taxes	$3,433,000	578
Income before extraordinary items	$7,940,000	692
Extraordinary gains, net	$0	21
Net income	$7,940,000	689
Minority interest net income	$0	78
Net income of bank and minority interests.	$7,940,000	692
Net charge-offs	$1,000	4,077
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$268,000	321
Net operating income	$7,933,700	672
2015-06-30 (YTD Data)		Rank
Total interest income	$12,471,000	1,044
Total interest expense	$434,000	2,716
Net interest income	$12,037,000	950
Provision for loan and lease losses	$0	4,069
Total noninterest income	$1,471,000	1,636
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$374,000	1,555
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,097,000	1,456
Total noninterest expense	$5,991,000	1,620
Salaries and employee benefits	$3,450,000	1,554
Premises and equipment expense	$632,000	1,823
Additional noninterest expense	$1,909,000	1,600
Pre-tax net operating income	$7,517,000	632
Securities gains (losses)	$1,000	2,511
Applicable income taxes	$2,139,000	609
Income before extraordinary items	$5,379,000	683
Extraordinary gains, net	$0	22
Net income	$5,379,000	680
Minority interest net income	$0	75
Net income of bank and minority interests.	$5,379,000	683
Net charge-offs	$-23,000	5,514
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$178,000	304
Net operating income	$5,378,280	661
2015-03-31 (YTD Data)		Rank
Total interest income	$6,114,000	1,062
Total interest expense	$218,000	2,724
Net interest income	$5,896,000	973
Provision for loan and lease losses	$0	3,703
Total noninterest income	$637,000	1,806
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$188,000	1,513
Trading account gains and fees	$0	152
Additional Noninterest Income	$449,000	1,636
Total noninterest expense	$2,966,000	1,644
Salaries and employee benefits	$1,708,000	1,572
Premises and equipment expense	$326,000	1,803
Additional noninterest expense	$932,000	1,618
Pre-tax net operating income	$3,567,000	647
Securities gains (losses)	$0	2,027
Applicable income taxes	$928,000	654
Income before extraordinary items	$2,639,000	682
Extraordinary gains, net	$0	13
Net income	$2,639,000	679
Minority interest net income	$0	64
Net income of bank and minority interests.	$2,639,000	682
Net charge-offs	$-13,000	5,532
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$84,000	282
Net operating income	$2,639,000	659
2014-12-31 (YTD Data)		Rank
Total interest income	$23,628,000	1,084
Total interest expense	$930,000	2,716
Net interest income	$22,698,000	986
Provision for loan and lease losses	$1,000,000	868
Total noninterest income	$3,460,000	1,410
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$801,000	1,585
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,659,000	1,194
Total noninterest expense	$11,853,000	1,615
Salaries and employee benefits	$6,455,000	1,606
Premises and equipment expense	$1,335,000	1,733
Additional noninterest expense	$4,063,000	1,538
Pre-tax net operating income	$13,305,000	634
Securities gains (losses)	$24,000	2,223
Applicable income taxes	$4,461,000	540
Income before extraordinary items	$8,868,000	766
Extraordinary gains, net	$0	17
Net income	$8,868,000	764
Minority interest net income	$0	84
Net income of bank and minority interests.	$8,868,000	765
Net charge-offs	$400,000	1,724
Cash dividends	$1,959,000	1,316
Sale, conversion, retirement of capital stock, net	$231,000	410
Net operating income	$8,851,920	750
2014-09-30 (YTD Data)		Rank
Total interest income	$17,423,000	1,112
Total interest expense	$701,000	2,745
Net interest income	$16,722,000	1,016
Provision for loan and lease losses	$1,000,000	664
Total noninterest income	$2,828,000	1,341
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$606,000	1,577
Trading account gains and fees	$0	174
Additional Noninterest Income	$2,222,000	1,117
Total noninterest expense	$8,793,000	1,641
Salaries and employee benefits	$4,906,000	1,589
Premises and equipment expense	$1,005,000	1,751
Additional noninterest expense	$2,882,000	1,625
Pre-tax net operating income	$9,757,000	644
Securities gains (losses)	$17,000	2,109
Applicable income taxes	$3,271,000	556
Income before extraordinary items	$6,503,000	772
Extraordinary gains, net	$0	15
Net income	$6,503,000	771
Minority interest net income	$0	81
Net income of bank and minority interests.	$6,503,000	771
Net charge-offs	$451,000	1,244
Cash dividends	$1,959,000	978
Sale, conversion, retirement of capital stock, net	$164,000	379
Net operating income	$6,491,610	760
2014-06-30 (YTD Data)		Rank
Total interest income	$11,429,000	1,124
Total interest expense	$467,000	2,771
Net interest income	$10,962,000	1,024
Provision for loan and lease losses	$750,000	594
Total noninterest income	$2,241,000	1,175
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$400,000	1,571
Trading account gains and fees	$0	172
Additional Noninterest Income	$1,841,000	950
Total noninterest expense	$5,798,000	1,650
Salaries and employee benefits	$3,248,000	1,596
Premises and equipment expense	$652,000	1,818
Additional noninterest expense	$1,898,000	1,638
Pre-tax net operating income	$6,655,000	623
Securities gains (losses)	$0	2,580
Applicable income taxes	$2,228,000	536
Income before extraordinary items	$4,427,000	742
Extraordinary gains, net	$0	20
Net income	$4,427,000	741
Minority interest net income	$0	80
Net income of bank and minority interests.	$4,427,000	742
Net charge-offs	$83,000	2,367
Cash dividends	$1,959,000	677
Sale, conversion, retirement of capital stock, net	$99,000	382
Net operating income	$4,427,000	723
2014-03-31 (YTD Data)		Rank
Total interest income	$5,590,000	1,146
Total interest expense	$234,000	2,815
Net interest income	$5,356,000	1,054
Provision for loan and lease losses	$375,000	572
Total noninterest income	$792,000	1,468
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$195,000	1,586
Trading account gains and fees	$0	147
Additional Noninterest Income	$597,000	1,246
Total noninterest expense	$2,918,000	1,646
Salaries and employee benefits	$1,666,000	1,574
Premises and equipment expense	$318,000	1,883
Additional noninterest expense	$934,000	1,646
Pre-tax net operating income	$2,855,000	705
Securities gains (losses)	$0	1,715
Applicable income taxes	$902,000	609
Income before extraordinary items	$1,953,000	799
Extraordinary gains, net	$0	16
Net income	$1,953,000	801
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,953,000	800
Net charge-offs	$24,000	2,372
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$46,000	362
Net operating income	$1,953,000	776
2013-12-31 (YTD Data)		Rank
Total interest income	$21,784,000	1,173
Total interest expense	$1,111,000	2,720
Net interest income	$20,673,000	1,068
Provision for loan and lease losses	$2,638,000	498
Total noninterest income	$2,521,000	1,835
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$793,000	1,654
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,728,000	1,690
Total noninterest expense	$11,513,000	1,675
Salaries and employee benefits	$6,136,000	1,664
Premises and equipment expense	$1,134,000	2,006
Additional noninterest expense	$4,243,000	1,550
Pre-tax net operating income	$9,043,000	847
Securities gains (losses)	$-5,000	6,182
Applicable income taxes	$2,975,000	666
Income before extraordinary items	$6,063,000	1,020
Extraordinary gains, net	$436,000	12
Net income	$6,499,000	958
Minority interest net income	$0	90
Net income of bank and minority interests.	$6,499,000	958
Net charge-offs	$1,432,000	972
Cash dividends	$300,000	3,264
Sale, conversion, retirement of capital stock, net	$122,000	519
Net operating income	$6,066,350	996
2013-09-30 (YTD Data)		Rank
Total interest income	$16,111,000	1,194
Total interest expense	$862,000	2,738
Net interest income	$15,249,000	1,084
Provision for loan and lease losses	$1,838,000	533
Total noninterest income	$1,873,000	1,881
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$588,000	1,671
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,285,000	1,737
Total noninterest expense	$8,648,000	1,681
Salaries and employee benefits	$4,622,000	1,673
Premises and equipment expense	$821,000	2,098
Additional noninterest expense	$3,205,000	1,534
Pre-tax net operating income	$6,636,000	891
Securities gains (losses)	$0	3,040
Applicable income taxes	$2,192,000	678
Income before extraordinary items	$4,444,000	1,058
Extraordinary gains, net	$436,000	13
Net income	$4,880,000	957
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,880,000	957
Net charge-offs	$626,000	1,385
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$87,000	488
Net operating income	$4,444,000	1,029
2013-06-30 (YTD Data)		Rank
Total interest income	$10,570,000	1,209
Total interest expense	$596,000	2,716
Net interest income	$9,974,000	1,093
Provision for loan and lease losses	$1,188,000	590
Total noninterest income	$1,266,000	1,898
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$391,000	1,647
Trading account gains and fees	$0	157
Additional Noninterest Income	$875,000	1,757
Total noninterest expense	$5,745,000	1,674
Salaries and employee benefits	$3,058,000	1,691
Premises and equipment expense	$534,000	2,148
Additional noninterest expense	$2,153,000	1,516
Pre-tax net operating income	$4,307,000	880
Securities gains (losses)	$0	2,791
Applicable income taxes	$1,421,000	707
Income before extraordinary items	$2,886,000	1,080
Extraordinary gains, net	$436,000	10
Net income	$3,322,000	929
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,322,000	930
Net charge-offs	$695,000	1,003
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$55,000	460
Net operating income	$2,886,000	1,037
2013-03-31 (YTD Data)		Rank
Total interest income	$5,248,000	1,228
Total interest expense	$316,000	2,676
Net interest income	$4,932,000	1,105
Provision for loan and lease losses	$562,000	638
Total noninterest income	$667,000	1,799
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$192,000	1,664
Trading account gains and fees	$0	148
Additional Noninterest Income	$475,000	1,633
Total noninterest expense	$2,802,000	1,732
Salaries and employee benefits	$1,526,000	1,717
Premises and equipment expense	$261,000	2,238
Additional noninterest expense	$1,015,000	1,597
Pre-tax net operating income	$2,235,000	838
Securities gains (losses)	$0	1,966
Applicable income taxes	$726,000	685
Income before extraordinary items	$1,509,000	1,006
Extraordinary gains, net	$0	10
Net income	$1,509,000	1,006
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,509,000	1,008
Net charge-offs	$500,000	771
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$24,000	446
Net operating income	$1,509,000	951
2012-12-31 (YTD Data)		Rank
Total interest income	$21,850,000	1,217
Total interest expense	$1,717,000	2,440
Net interest income	$20,133,000	1,085
Provision for loan and lease losses	$3,613,000	661
Total noninterest income	$2,414,000	1,919
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$805,000	1,684
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,609,000	1,775
Total noninterest expense	$12,000,000	1,609
Salaries and employee benefits	$5,913,000	1,706
Premises and equipment expense	$1,172,000	1,989
Additional noninterest expense	$4,915,000	1,379
Pre-tax net operating income	$6,934,000	1,025
Securities gains (losses)	$114,000	2,167
Applicable income taxes	$2,142,000	824
Income before extraordinary items	$4,906,000	1,212
Extraordinary gains, net	$0	29
Net income	$4,906,000	1,214
Minority interest net income	$0	93
Net income of bank and minority interests.	$4,906,000	1,213
Net charge-offs	$2,406,000	1,008
Cash dividends	$227,000	3,515
Sale, conversion, retirement of capital stock, net	$99,000	580
Net operating income	$4,826,200	1,161
2012-09-30 (YTD Data)		Rank
Total interest income	$16,437,000	1,237
Total interest expense	$1,352,000	2,431
Net interest income	$15,085,000	1,104
Provision for loan and lease losses	$2,892,000	644
Total noninterest income	$1,769,000	1,955
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$576,000	1,775
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,193,000	1,775
Total noninterest expense	$8,810,000	1,647
Salaries and employee benefits	$4,319,000	1,749
Premises and equipment expense	$861,000	2,047
Additional noninterest expense	$3,630,000	1,405
Pre-tax net operating income	$5,152,000	1,046
Securities gains (losses)	$114,000	1,876
Applicable income taxes	$1,560,000	878
Income before extraordinary items	$3,706,000	1,211
Extraordinary gains, net	$0	20
Net income	$3,706,000	1,212
Minority interest net income	$0	86
Net income of bank and minority interests.	$3,706,000	1,212
Net charge-offs	$1,553,000	1,086
Cash dividends	$110,000	3,260
Sale, conversion, retirement of capital stock, net	$60,000	558
Net operating income	$3,626,200	1,172
2012-06-30 (YTD Data)		Rank
Total interest income	$10,934,000	1,261
Total interest expense	$945,000	2,412
Net interest income	$9,989,000	1,115
Provision for loan and lease losses	$2,040,000	628
Total noninterest income	$1,148,000	1,958
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$393,000	1,733
Trading account gains and fees	$0	153
Additional Noninterest Income	$755,000	1,823
Total noninterest expense	$5,783,000	1,677
Salaries and employee benefits	$2,846,000	1,758
Premises and equipment expense	$552,000	2,096
Additional noninterest expense	$2,385,000	1,432
Pre-tax net operating income	$3,314,000	1,076
Securities gains (losses)	$-1,000	6,818
Applicable income taxes	$927,000	942
Income before extraordinary items	$2,386,000	1,253
Extraordinary gains, net	$0	19
Net income	$2,386,000	1,253
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,386,000	1,253
Net charge-offs	$1,147,000	1,029
Cash dividends	$110,000	2,936
Sale, conversion, retirement of capital stock, net	$25,000	629
Net operating income	$2,386,720	1,177
2012-03-31 (YTD Data)		Rank
Total interest income	$5,471,000	1,259
Total interest expense	$492,000	2,414
Net interest income	$4,979,000	1,118
Provision for loan and lease losses	$1,065,000	580
Total noninterest income	$550,000	2,016
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$197,000	1,718
Trading account gains and fees	$0	148
Additional Noninterest Income	$353,000	1,912
Total noninterest expense	$2,579,000	1,850
Salaries and employee benefits	$1,435,000	1,748
Premises and equipment expense	$270,000	2,141
Additional noninterest expense	$874,000	1,889
Pre-tax net operating income	$1,885,000	942
Securities gains (losses)	$0	2,210
Applicable income taxes	$612,000	747
Income before extraordinary items	$1,273,000	1,157
Extraordinary gains, net	$0	19
Net income	$1,273,000	1,157
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,273,000	1,157
Net charge-offs	$341,000	1,382
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$25,000	449
Net operating income	$1,273,000	1,096
2011-12-31 (YTD Data)		Rank
Total interest income	$22,421,000	1,275
Total interest expense	$2,300,000	2,488
Net interest income	$20,121,000	1,107
Provision for loan and lease losses	$4,426,000	866
Total noninterest income	$1,113,000	2,937
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$777,000	1,821
Trading account gains and fees	$0	146
Additional Noninterest Income	$336,000	3,694
Total noninterest expense	$10,936,000	1,769
Salaries and employee benefits	$5,606,000	1,722
Premises and equipment expense	$1,052,000	2,312
Additional noninterest expense	$4,278,000	1,597
Pre-tax net operating income	$5,872,000	1,024
Securities gains (losses)	$128,000	1,846
Applicable income taxes	$1,974,000	798
Income before extraordinary items	$4,026,000	1,249
Extraordinary gains, net	$0	29
Net income	$4,026,000	1,249
Minority interest net income	$0	96
Net income of bank and minority interests.	$4,026,000	1,249
Net charge-offs	$3,968,000	977
Cash dividends	$3,694,000	562
Sale, conversion, retirement of capital stock, net	$523,000	404
Net operating income	$3,940,240	1,193
2011-09-30 (YTD Data)		Rank
Total interest income	$16,855,000	1,284
Total interest expense	$1,770,000	2,527
Net interest income	$15,085,000	1,112
Provision for loan and lease losses	$3,103,000	909
Total noninterest income	$1,216,000	2,307
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$575,000	1,852
Trading account gains and fees	$0	145
Additional Noninterest Income	$641,000	2,334
Total noninterest expense	$7,467,000	1,923
Salaries and employee benefits	$3,967,000	1,850
Premises and equipment expense	$809,000	2,274
Additional noninterest expense	$2,691,000	1,887
Pre-tax net operating income	$5,731,000	811
Securities gains (losses)	$128,000	1,564
Applicable income taxes	$2,069,000	605
Income before extraordinary items	$3,790,000	1,023
Extraordinary gains, net	$0	21
Net income	$3,790,000	1,022
Minority interest net income	$0	87
Net income of bank and minority interests.	$3,790,000	1,023
Net charge-offs	$2,133,000	1,170
Cash dividends	$3,302,000	412
Sale, conversion, retirement of capital stock, net	$499,000	352
Net operating income	$3,706,800	989
2011-06-30 (YTD Data)		Rank
Total interest income	$11,235,000	1,295
Total interest expense	$1,203,000	2,561
Net interest income	$10,032,000	1,114
Provision for loan and lease losses	$2,093,000	895
Total noninterest income	$797,000	2,327
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$376,000	1,854
Trading account gains and fees	$0	153
Additional Noninterest Income	$421,000	2,366
Total noninterest expense	$4,931,000	1,952
Salaries and employee benefits	$2,591,000	1,891
Premises and equipment expense	$536,000	2,309
Additional noninterest expense	$1,804,000	1,884
Pre-tax net operating income	$3,805,000	805
Securities gains (losses)	$73,000	1,346
Applicable income taxes	$1,378,000	582
Income before extraordinary items	$2,500,000	982
Extraordinary gains, net	$0	15
Net income	$2,500,000	979
Minority interest net income	$0	89
Net income of bank and minority interests.	$2,500,000	982
Net charge-offs	$1,899,000	959
Cash dividends	$3,302,000	284
Sale, conversion, retirement of capital stock, net	$474,000	232
Net operating income	$2,453,280	970
2011-03-31 (YTD Data)		Rank
Total interest income	$5,567,000	1,319
Total interest expense	$620,000	2,567
Net interest income	$4,947,000	1,130
Provision for loan and lease losses	$993,000	869
Total noninterest income	$381,000	2,431
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$186,000	1,853
Trading account gains and fees	$0	158
Additional Noninterest Income	$195,000	2,501
Total noninterest expense	$2,437,000	1,985
Salaries and employee benefits	$1,291,000	1,916
Premises and equipment expense	$274,000	2,297
Additional noninterest expense	$872,000	1,944
Pre-tax net operating income	$1,898,000	800
Securities gains (losses)	$20,000	1,097
Applicable income taxes	$650,000	596
Income before extraordinary items	$1,268,000	955
Extraordinary gains, net	$0	9
Net income	$1,268,000	955
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,268,000	955
Net charge-offs	$664,000	1,122
Cash dividends	$153,000	1,601
Sale, conversion, retirement of capital stock, net	$298,000	175
Net operating income	$1,254,800	941
2010-12-31 (YTD Data)		Rank
Total interest income	$23,347,000	1,321
Total interest expense	$3,381,000	2,332
Net interest income	$19,966,000	1,119
Provision for loan and lease losses	$5,306,000	1,094
Total noninterest income	$3,106,000	1,513
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$906,000	1,638
Trading account gains and fees	$0	175
Additional Noninterest Income	$2,200,000	1,322
Total noninterest expense	$10,225,000	1,914
Salaries and employee benefits	$5,324,000	1,818
Premises and equipment expense	$1,169,000	2,153
Additional noninterest expense	$3,732,000	1,904
Pre-tax net operating income	$7,541,000	714
Securities gains (losses)	$165,000	1,750
Applicable income taxes	$2,378,000	635
Income before extraordinary items	$5,328,000	829
Extraordinary gains, net	$0	29
Net income	$5,328,000	829
Minority interest net income	$0	111
Net income of bank and minority interests.	$5,328,000	830
Net charge-offs	$3,894,000	1,236
Cash dividends	$1,153,000	1,327
Sale, conversion, retirement of capital stock, net	$467,000	481
Net operating income	$5,214,150	813
2010-09-30 (YTD Data)		Rank
Total interest income	$17,791,000	1,314
Total interest expense	$2,707,000	2,285
Net interest income	$15,084,000	1,120
Provision for loan and lease losses	$3,806,000	1,086
Total noninterest income	$2,747,000	1,328
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$559,000	1,996
Trading account gains and fees	$0	165
Additional Noninterest Income	$2,188,000	1,045
Total noninterest expense	$7,307,000	1,984
Salaries and employee benefits	$3,672,000	1,979
Premises and equipment expense	$889,000	2,154
Additional noninterest expense	$2,746,000	1,899
Pre-tax net operating income	$6,718,000	633
Securities gains (losses)	$81,000	2,102
Applicable income taxes	$2,098,000	576
Income before extraordinary items	$4,701,000	742
Extraordinary gains, net	$0	23
Net income	$4,701,000	740
Minority interest net income	$0	110
Net income of bank and minority interests.	$4,701,000	742
Net charge-offs	$2,341,000	1,365
Cash dividends	$585,000	1,594
Sale, conversion, retirement of capital stock, net	$124,000	596
Net operating income	$4,645,110	710
2010-06-30 (YTD Data)		Rank
Total interest income	$11,910,000	1,325
Total interest expense	$1,884,000	2,278
Net interest income	$10,026,000	1,121
Provision for loan and lease losses	$2,528,000	1,071
Total noninterest income	$2,356,000	1,093
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$397,000	1,899
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,959,000	814
Total noninterest expense	$4,749,000	2,049
Salaries and employee benefits	$2,408,000	2,016
Premises and equipment expense	$586,000	2,200
Additional noninterest expense	$1,755,000	1,965
Pre-tax net operating income	$5,105,000	544
Securities gains (losses)	$40,000	2,020
Applicable income taxes	$1,721,000	440
Income before extraordinary items	$3,424,000	656
Extraordinary gains, net	$0	19
Net income	$3,424,000	657
Minority interest net income	$0	105
Net income of bank and minority interests.	$3,424,000	657
Net charge-offs	$920,000	1,813
Cash dividends	$378,000	1,668
Sale, conversion, retirement of capital stock, net	$71,000	559
Net operating income	$3,397,200	638
2010-03-31 (YTD Data)		Rank
Total interest income	$5,436,000	1,492
Total interest expense	$965,000	2,328
Net interest income	$4,471,000	1,291
Provision for loan and lease losses	$850,000	1,311
Total noninterest income	$2,015,000	709
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$176,000	2,083
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,839,000	515
Total noninterest expense	$2,295,000	2,121
Salaries and employee benefits	$1,151,000	2,142
Premises and equipment expense	$283,000	2,324
Additional noninterest expense	$861,000	1,974
Pre-tax net operating income	$3,341,000	397
Securities gains (losses)	$20,000	1,521
Applicable income taxes	$1,065,000	361
Income before extraordinary items	$2,296,000	473
Extraordinary gains, net	$0	16
Net income	$2,296,000	474
Minority interest net income	$0	91
Net income of bank and minority interests.	$2,296,000	475
Net charge-offs	$489,000	1,599
Cash dividends	$283,000	1,132
Sale, conversion, retirement of capital stock, net	$9,000	825
Net operating income	$2,282,400	465
2009-12-31 (YTD Data)		Rank
Total interest income	$20,717,000	1,652
Total interest expense	$5,139,000	2,200
Net interest income	$15,578,000	1,428
Provision for loan and lease losses	$1,750,000	2,663
Total noninterest income	$1,385,000	2,703
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$755,000	2,130
Trading account gains and fees	$0	211
Additional Noninterest Income	$630,000	2,831
Total noninterest expense	$8,696,000	2,280
Salaries and employee benefits	$4,609,000	2,133
Premises and equipment expense	$1,145,000	2,311
Additional noninterest expense	$2,942,000	2,390
Pre-tax net operating income	$6,517,000	655
Securities gains (losses)	$140,000	1,843
Applicable income taxes	$2,077,000	548
Income before extraordinary items	$4,580,000	745
Extraordinary gains, net	$0	34
Net income	$4,580,000	744
Minority interest net income	$0	115
Net income of bank and minority interests.	$4,580,000	745
Net charge-offs	$968,000	2,899
Cash dividends	$1,315,000	1,323
Sale, conversion, retirement of capital stock, net	$490,000	551
Net operating income	$4,483,400	754
2009-09-30 (YTD Data)		Rank
Total interest income	$15,470,000	1,690
Total interest expense	$4,078,000	2,186
Net interest income	$11,392,000	1,469
Provision for loan and lease losses	$1,150,000	2,569
Total noninterest income	$1,112,000	2,633
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$566,000	2,136
Trading account gains and fees	$0	212
Additional Noninterest Income	$546,000	2,675
Total noninterest expense	$6,372,000	2,325
Salaries and employee benefits	$3,235,000	2,303
Premises and equipment expense	$851,000	2,351
Additional noninterest expense	$2,286,000	2,280
Pre-tax net operating income	$4,982,000	676
Securities gains (losses)	$106,000	1,790
Applicable income taxes	$1,668,000	544
Income before extraordinary items	$3,420,000	793
Extraordinary gains, net	$0	27
Net income	$3,420,000	792
Minority interest net income	$0	118
Net income of bank and minority interests.	$3,420,000	794
Net charge-offs	$819,000	2,443
Cash dividends	$659,000	1,689
Sale, conversion, retirement of capital stock, net	$216,000	568
Net operating income	$3,348,980	804
2009-06-30 (YTD Data)		Rank
Total interest income	$10,250,000	1,729
Total interest expense	$2,831,000	2,192
Net interest income	$7,419,000	1,507
Provision for loan and lease losses	$700,000	2,488
Total noninterest income	$729,000	2,672
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$365,000	2,174
Trading account gains and fees	$0	193
Additional Noninterest Income	$364,000	2,688
Total noninterest expense	$4,283,000	2,337
Salaries and employee benefits	$2,176,000	2,326
Premises and equipment expense	$566,000	2,374
Additional noninterest expense	$1,541,000	2,280
Pre-tax net operating income	$3,165,000	740
Securities gains (losses)	$81,000	1,621
Applicable income taxes	$1,071,000	577
Income before extraordinary items	$2,175,000	871
Extraordinary gains, net	$0	21
Net income	$2,175,000	871
Minority interest net income	$0	112
Net income of bank and minority interests.	$2,175,000	871
Net charge-offs	$505,000	2,343
Cash dividends	$512,000	1,591
Sale, conversion, retirement of capital stock, net	$145,000	532
Net operating income	$2,120,730	857
2009-03-31 (YTD Data)		Rank
Total interest income	$5,132,000	1,747
Total interest expense	$1,402,000	2,279
Net interest income	$3,730,000	1,490
Provision for loan and lease losses	$300,000	2,285
Total noninterest income	$345,000	2,756
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$180,000	2,146
Trading account gains and fees	$0	171
Additional Noninterest Income	$165,000	2,808
Total noninterest expense	$2,059,000	2,357
Salaries and employee benefits	$1,090,000	2,350
Premises and equipment expense	$289,000	2,367
Additional noninterest expense	$680,000	2,285
Pre-tax net operating income	$1,716,000	737
Securities gains (losses)	$45,000	1,345
Applicable income taxes	$537,000	628
Income before extraordinary items	$1,224,000	865
Extraordinary gains, net	$0	15
Net income	$1,224,000	865
Minority interest net income	$0	102
Net income of bank and minority interests.	$1,224,000	867
Net charge-offs	$80,000	3,104
Cash dividends	$91,000	2,337
Sale, conversion, retirement of capital stock, net	$23,000	719
Net operating income	$1,192,500	823
2008-12-31 (YTD Data)		Rank
Total interest income	$20,991,000	1,825
Total interest expense	$6,455,000	2,357
Net interest income	$14,536,000	1,540
Provision for loan and lease losses	$1,010,000	2,693
Total noninterest income	$1,150,000	3,129
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$613,000	2,613
Trading account gains and fees	$0	154
Additional Noninterest Income	$537,000	3,067
Total noninterest expense	$7,957,000	2,389
Salaries and employee benefits	$4,126,000	2,448
Premises and equipment expense	$1,199,000	2,248
Additional noninterest expense	$2,632,000	2,247
Pre-tax net operating income	$6,719,000	829
Securities gains (losses)	$18,000	2,241
Applicable income taxes	$2,159,000	636
Income before extraordinary items	$4,578,000	893
Extraordinary gains, net	$0	39
Net income	$4,578,000	893
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$288,000	3,579
Cash dividends	$584,000	3,169
Sale, conversion, retirement of capital stock, net	$160,000	841
Net operating income	$4,565,760	963
2008-09-30 (YTD Data)		Rank
Total interest income	$15,694,000	1,868
Total interest expense	$4,877,000	2,428
Net interest income	$10,817,000	1,564
Provision for loan and lease losses	$485,000	2,767
Total noninterest income	$843,000	3,236
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$432,000	2,743
Trading account gains and fees	$0	148
Additional Noninterest Income	$411,000	3,139
Total noninterest expense	$5,707,000	2,475
Salaries and employee benefits	$2,876,000	2,639
Premises and equipment expense	$900,000	2,257
Additional noninterest expense	$1,931,000	2,230
Pre-tax net operating income	$5,468,000	930
Securities gains (losses)	$4,000	2,700
Applicable income taxes	$1,759,000	722
Income before extraordinary items	$3,713,000	990
Extraordinary gains, net	$0	31
Net income	$3,713,000	989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,385
Cash dividends	$474,000	2,819
Sale, conversion, retirement of capital stock, net	$124,000	714
Net operating income	$3,710,280	1,053
2008-06-30 (YTD Data)		Rank
Total interest income	$10,400,000	1,908
Total interest expense	$3,269,000	2,511
Net interest income	$7,131,000	1,575
Provision for loan and lease losses	$260,000	2,752
Total noninterest income	$553,000	3,297
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$275,000	2,818
Trading account gains and fees	$0	149
Additional Noninterest Income	$278,000	3,157
Total noninterest expense	$3,795,000	2,492
Salaries and employee benefits	$1,928,000	2,658
Premises and equipment expense	$612,000	2,211
Additional noninterest expense	$1,255,000	2,252
Pre-tax net operating income	$3,629,000	982
Securities gains (losses)	$-1,000	7,955
Applicable income taxes	$1,153,000	834
Income before extraordinary items	$2,475,000	1,109
Extraordinary gains, net	$0	21
Net income	$2,475,000	1,109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	3,504
Cash dividends	$474,000	2,365
Sale, conversion, retirement of capital stock, net	$98,000	590
Net operating income	$2,475,680	1,093
2008-03-31 (YTD Data)		Rank
Total interest income	$5,264,000	1,935
Total interest expense	$1,742,000	2,509
Net interest income	$3,522,000	1,577
Provision for loan and lease losses	$140,000	2,266
Total noninterest income	$274,000	3,312
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$144,000	2,710
Trading account gains and fees	$0	158
Additional Noninterest Income	$130,000	3,297
Total noninterest expense	$1,904,000	2,476
Salaries and employee benefits	$962,000	2,670
Premises and equipment expense	$316,000	2,157
Additional noninterest expense	$626,000	2,235
Pre-tax net operating income	$1,752,000	1,090
Securities gains (losses)	$1,000	2,556
Applicable income taxes	$553,000	921
Income before extraordinary items	$1,200,000	1,255
Extraordinary gains, net	$0	15
Net income	$1,200,000	1,258
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	2,501
Cash dividends	$109,000	2,843
Sale, conversion, retirement of capital stock, net	$52,000	469
Net operating income	$1,199,320	1,217
2007-12-31 (YTD Data)		Rank
Total interest income	$20,979,000	2,006
Total interest expense	$7,736,000	2,390
Net interest income	$13,243,000	1,706
Provision for loan and lease losses	$330,000	3,017
Total noninterest income	$1,052,000	3,447
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$478,000	3,140
Trading account gains and fees	$0	178
Additional Noninterest Income	$574,000	3,078
Total noninterest expense	$7,630,000	2,391
Salaries and employee benefits	$3,966,000	2,504
Premises and equipment expense	$1,225,000	2,127
Additional noninterest expense	$2,439,000	2,222
Pre-tax net operating income	$6,335,000	1,330
Securities gains (losses)	$19,000	1,121
Applicable income taxes	$2,026,000	1,124
Income before extraordinary items	$4,328,000	1,477
Extraordinary gains, net	$0	39
Net income	$4,328,000	1,477
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,483
Cash dividends	$1,592,000	1,927
Sale, conversion, retirement of capital stock, net	$78,000	988
Net operating income	$4,315,080	1,465
2007-09-30 (YTD Data)		Rank
Total interest income	$15,612,000	2,027
Total interest expense	$5,791,000	2,391
Net interest income	$9,821,000	1,731
Provision for loan and lease losses	$270,000	2,452
Total noninterest income	$766,000	3,495
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$345,000	3,217
Trading account gains and fees	$0	184
Additional Noninterest Income	$421,000	3,113
Total noninterest expense	$5,332,000	2,540
Salaries and employee benefits	$2,763,000	2,674
Premises and equipment expense	$897,000	2,152
Additional noninterest expense	$1,672,000	2,370
Pre-tax net operating income	$4,985,000	1,358
Securities gains (losses)	$3,000	1,317
Applicable income taxes	$1,580,000	1,168
Income before extraordinary items	$3,408,000	1,493
Extraordinary gains, net	$0	33
Net income	$3,408,000	1,491
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,926
Cash dividends	$937,000	2,099
Sale, conversion, retirement of capital stock, net	$29,000	985
Net operating income	$3,405,960	1,485
2007-06-30 (YTD Data)		Rank
Total interest income	$10,027,000	2,105
Total interest expense	$3,684,000	2,504
Net interest income	$6,343,000	1,806
Provision for loan and lease losses	$240,000	1,865
Total noninterest income	$518,000	3,490
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$225,000	3,253
Trading account gains and fees	$0	168
Additional Noninterest Income	$293,000	3,050
Total noninterest expense	$3,494,000	2,605
Salaries and employee benefits	$1,812,000	2,743
Premises and equipment expense	$575,000	2,249
Additional noninterest expense	$1,107,000	2,394
Pre-tax net operating income	$3,127,000	1,475
Securities gains (losses)	$-2,000	7,706
Applicable income taxes	$978,000	1,294
Income before extraordinary items	$2,147,000	1,617
Extraordinary gains, net	$0	29
Net income	$2,147,000	1,617
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$210,000	3,558
Sale, conversion, retirement of capital stock, net	$19,000	915
Net operating income	$2,148,380	1,601
2007-03-31 (YTD Data)		Rank
Total interest income	$4,816,000	2,170
Total interest expense	$1,746,000	2,619
Net interest income	$3,070,000	1,875
Provision for loan and lease losses	$50,000	3,068
Total noninterest income	$246,000	3,575
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$112,000	3,217
Trading account gains and fees	$0	195
Additional Noninterest Income	$134,000	3,207
Total noninterest expense	$1,716,000	2,653
Salaries and employee benefits	$903,000	2,783
Premises and equipment expense	$260,000	2,490
Additional noninterest expense	$553,000	2,383
Pre-tax net operating income	$1,550,000	1,497
Securities gains (losses)	$1,000	1,055
Applicable income taxes	$478,000	1,326
Income before extraordinary items	$1,073,000	1,607
Extraordinary gains, net	$0	22
Net income	$1,073,000	1,607
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$109,000	3,021
Sale, conversion, retirement of capital stock, net	$8,000	788
Net operating income	$1,072,310	1,593
2006-12-31 (YTD Data)		Rank
Total interest income	$17,557,000	2,225
Total interest expense	$5,624,000	2,744
Net interest income	$11,933,000	1,947
Provision for loan and lease losses	$275,000	2,942
Total noninterest income	$924,000	3,726
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$454,000	3,273
Trading account gains and fees	$0	130
Additional Noninterest Income	$470,000	3,450
Total noninterest expense	$6,434,000	2,712
Salaries and employee benefits	$3,464,000	2,752
Premises and equipment expense	$960,000	2,567
Additional noninterest expense	$2,010,000	2,557
Pre-tax net operating income	$6,148,000	1,566
Securities gains (losses)	$-1,000	6,756
Applicable income taxes	$1,971,000	1,354
Income before extraordinary items	$4,176,000	1,725
Extraordinary gains, net	$0	51
Net income	$4,176,000	1,726
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,377
Cash dividends	$472,000	3,832
Sale, conversion, retirement of capital stock, net	$110,000	877
Net operating income	$4,176,680	1,711
2006-09-30 (YTD Data)		Rank
Total interest income	$12,638,000	2,298
Total interest expense	$3,893,000	2,846
Net interest income	$8,745,000	2,007
Provision for loan and lease losses	$200,000	2,859
Total noninterest income	$668,000	3,810
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$309,000	3,501
Trading account gains and fees	$0	126
Additional Noninterest Income	$359,000	3,387
Total noninterest expense	$4,501,000	2,867
Salaries and employee benefits	$2,353,000	2,999
Premises and equipment expense	$727,000	2,549
Additional noninterest expense	$1,421,000	2,686
Pre-tax net operating income	$4,712,000	1,585
Securities gains (losses)	$-5,000	7,392
Applicable income taxes	$1,503,000	1,391
Income before extraordinary items	$3,204,000	1,740
Extraordinary gains, net	$0	45
Net income	$3,204,000	1,741
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$326,000	3,530
Sale, conversion, retirement of capital stock, net	$68,000	772
Net operating income	$3,207,400	1,725
2006-06-30 (YTD Data)		Rank
Total interest income	$8,012,000	2,366
Total interest expense	$2,351,000	2,977
Net interest income	$5,661,000	2,071
Provision for loan and lease losses	$150,000	2,563
Total noninterest income	$454,000	3,747
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$228,000	3,249
Trading account gains and fees	$0	126
Additional Noninterest Income	$226,000	3,504
Total noninterest expense	$3,015,000	2,870
Salaries and employee benefits	$1,570,000	3,016
Premises and equipment expense	$489,000	2,526
Additional noninterest expense	$956,000	2,673
Pre-tax net operating income	$2,950,000	1,682
Securities gains (losses)	$-6,000	7,728
Applicable income taxes	$938,000	1,468
Income before extraordinary items	$2,006,000	1,827
Extraordinary gains, net	$0	39
Net income	$2,006,000	1,828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$217,000	3,580
Sale, conversion, retirement of capital stock, net	$28,000	711
Net operating income	$2,010,080	1,806
2006-03-31 (YTD Data)		Rank
Total interest income	$3,811,000	2,430
Total interest expense	$1,054,000	3,123
Net interest income	$2,757,000	2,106
Provision for loan and lease losses	$50,000	3,099
Total noninterest income	$223,000	3,735
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$102,000	3,438
Trading account gains and fees	$0	115
Additional Noninterest Income	$121,000	3,366
Total noninterest expense	$1,499,000	2,874
Salaries and employee benefits	$782,000	3,040
Premises and equipment expense	$243,000	2,522
Additional noninterest expense	$474,000	2,660
Pre-tax net operating income	$1,431,000	1,690
Securities gains (losses)	$-3,000	8,027
Applicable income taxes	$447,000	1,519
Income before extraordinary items	$981,000	1,826
Extraordinary gains, net	$0	21
Net income	$981,000	1,826
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$108,000	3,014
Sale, conversion, retirement of capital stock, net	$23,000	484
Net operating income	$983,070	1,806
2005-12-31 (YTD Data)		Rank
Total interest income	$13,405,000	2,464
Total interest expense	$2,719,000	3,601
Net interest income	$10,686,000	2,073
Provision for loan and lease losses	$455,000	2,048
Total noninterest income	$1,010,000	3,538
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$409,000	3,500
Trading account gains and fees	$0	138
Additional Noninterest Income	$601,000	3,053
Total noninterest expense	$5,805,000	2,830
Salaries and employee benefits	$2,992,000	2,964
Premises and equipment expense	$953,000	2,473
Additional noninterest expense	$1,860,000	2,680
Pre-tax net operating income	$5,436,000	1,720
Securities gains (losses)	$-13,000	7,637
Applicable income taxes	$1,809,000	1,477
Income before extraordinary items	$3,614,000	1,898
Extraordinary gains, net	$0	46
Net income	$3,614,000	1,897
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	5,317
Cash dividends	$217,000	4,805
Sale, conversion, retirement of capital stock, net	$92,000	732
Net operating income	$3,622,710	1,872
2005-09-30 (YTD Data)		Rank
Total interest income	$9,697,000	2,491
Total interest expense	$1,840,000	3,728
Net interest income	$7,857,000	2,104
Provision for loan and lease losses	$385,000	1,776
Total noninterest income	$738,000	3,610
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$307,000	3,509
Trading account gains and fees	$0	126
Additional Noninterest Income	$431,000	3,148
Total noninterest expense	$4,098,000	2,955
Salaries and employee benefits	$2,001,000	3,271
Premises and equipment expense	$702,000	2,508
Additional noninterest expense	$1,395,000	2,634
Pre-tax net operating income	$4,112,000	1,724
Securities gains (losses)	$-13,000	8,007
Applicable income taxes	$1,372,000	1,476
Income before extraordinary items	$2,727,000	1,919
Extraordinary gains, net	$0	35
Net income	$2,727,000	1,918
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	4,341
Cash dividends	$180,000	4,177
Sale, conversion, retirement of capital stock, net	$63,000	609
Net operating income	$2,735,710	1,877
2005-06-30 (YTD Data)		Rank
Total interest income	$6,113,000	2,563
Total interest expense	$1,103,000	3,858
Net interest income	$5,010,000	2,163
Provision for loan and lease losses	$305,000	1,488
Total noninterest income	$480,000	3,620
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$199,000	3,528
Trading account gains and fees	$0	116
Additional Noninterest Income	$281,000	3,185
Total noninterest expense	$2,678,000	2,999
Salaries and employee benefits	$1,312,000	3,305
Premises and equipment expense	$466,000	2,486
Additional noninterest expense	$900,000	2,701
Pre-tax net operating income	$2,507,000	1,837
Securities gains (losses)	$-13,000	8,228
Applicable income taxes	$821,000	1,589
Income before extraordinary items	$1,673,000	2,025
Extraordinary gains, net	$0	30
Net income	$1,673,000	2,024
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	3,582
Cash dividends	$126,000	4,046
Sale, conversion, retirement of capital stock, net	$61,000	477
Net operating income	$1,681,710	1,981
2005-03-31 (YTD Data)		Rank
Total interest income	$2,838,000	2,702
Total interest expense	$489,000	4,075
Net interest income	$2,349,000	2,283
Provision for loan and lease losses	$225,000	1,003
Total noninterest income	$219,000	3,761
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$90,000	3,686
Trading account gains and fees	$0	115
Additional Noninterest Income	$129,000	3,269
Total noninterest expense	$1,294,000	3,105
Salaries and employee benefits	$614,000	3,498
Premises and equipment expense	$238,000	2,463
Additional noninterest expense	$442,000	2,734
Pre-tax net operating income	$1,049,000	2,075
Securities gains (losses)	$-4,000	8,340
Applicable income taxes	$359,000	1,734
Income before extraordinary items	$686,000	2,363
Extraordinary gains, net	$0	24
Net income	$686,000	2,364
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	2,412
Cash dividends	$72,000	3,215
Sale, conversion, retirement of capital stock, net	$53,000	317
Net operating income	$688,640	2,321
2004-12-31 (YTD Data)		Rank
Total interest income	$9,603,000	2,935
Total interest expense	$1,454,000	4,607
Net interest income	$8,149,000	2,501
Provision for loan and lease losses	$640,000	1,562
Total noninterest income	$937,000	3,702
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$447,000	3,399
Trading account gains and fees	$0	138
Additional Noninterest Income	$490,000	3,345
Total noninterest expense	$5,489,000	2,865
Salaries and employee benefits	$3,173,000	2,702
Premises and equipment expense	$923,000	2,473
Additional noninterest expense	$1,393,000	3,311
Pre-tax net operating income	$2,957,000	2,623
Securities gains (losses)	$86,000	1,349
Applicable income taxes	$996,000	2,166
Income before extraordinary items	$2,047,000	2,848
Extraordinary gains, net	$0	34
Net income	$2,047,000	2,850
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	6,475
Cash dividends	$194,000	4,935
Sale, conversion, retirement of capital stock, net	$4,167,000	252
Net operating income	$1,989,380	2,877
2004-09-30 (YTD Data)		Rank
Total interest income	$6,842,000	3,036
Total interest expense	$1,052,000	4,656
Net interest income	$5,790,000	2,595
Provision for loan and lease losses	$440,000	1,648
Total noninterest income	$663,000	3,850
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$340,000	3,373
Trading account gains and fees	$0	134
Additional Noninterest Income	$323,000	3,600
Total noninterest expense	$3,842,000	3,012
Salaries and employee benefits	$2,182,000	2,900
Premises and equipment expense	$694,000	2,439
Additional noninterest expense	$966,000	3,520
Pre-tax net operating income	$2,171,000	2,686
Securities gains (losses)	$83,000	1,307
Applicable income taxes	$743,000	2,219
Income before extraordinary items	$1,511,000	2,935
Extraordinary gains, net	$0	26
Net income	$1,511,000	2,936
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$134,000	4,401
Sale, conversion, retirement of capital stock, net	$140,000	485
Net operating income	$1,455,390	2,952
2004-06-30 (YTD Data)		Rank
Total interest income	$4,363,000	3,144
Total interest expense	$685,000	4,735
Net interest income	$3,678,000	2,703
Provision for loan and lease losses	$260,000	1,774
Total noninterest income	$414,000	4,015
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$178,000	3,941
Trading account gains and fees	$0	130
Additional Noninterest Income	$236,000	3,426
Total noninterest expense	$2,548,000	3,032
Salaries and employee benefits	$1,444,000	2,932
Premises and equipment expense	$467,000	2,419
Additional noninterest expense	$637,000	3,560
Pre-tax net operating income	$1,284,000	2,951
Securities gains (losses)	$74,000	1,213
Applicable income taxes	$447,000	2,379
Income before extraordinary items	$911,000	3,176
Extraordinary gains, net	$0	21
Net income	$911,000	3,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,680
Cash dividends	$134,000	3,927
Sale, conversion, retirement of capital stock, net	$82,000	425
Net operating income	$861,420	3,234
2004-03-31 (YTD Data)		Rank
Total interest income	$2,097,000	3,256
Total interest expense	$331,000	4,873
Net interest income	$1,766,000	2,822
Provision for loan and lease losses	$120,000	1,785
Total noninterest income	$196,000	4,105
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$86,000	3,952
Trading account gains and fees	$0	121
Additional Noninterest Income	$110,000	3,509
Total noninterest expense	$1,238,000	3,129
Salaries and employee benefits	$721,000	2,944
Premises and equipment expense	$237,000	2,425
Additional noninterest expense	$280,000	3,953
Pre-tax net operating income	$604,000	3,068
Securities gains (losses)	$45,000	1,261
Applicable income taxes	$250,000	2,201
Income before extraordinary items	$399,000	3,519
Extraordinary gains, net	$0	16
Net income	$399,000	3,518
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,591
Cash dividends	$74,000	3,166
Sale, conversion, retirement of capital stock, net	$63,000	294
Net operating income	$370,200	3,596
2003-12-31 (YTD Data)		Rank
Total interest income	$7,011,000	3,820
Total interest expense	$1,402,000	5,086
Net interest income	$5,609,000	3,372
Provision for loan and lease losses	$260,000	3,469
Total noninterest income	$789,000	4,264
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$356,000	3,907
Trading account gains and fees	$0	160
Additional Noninterest Income	$433,000	3,826
Total noninterest expense	$4,557,000	3,320
Salaries and employee benefits	$2,593,000	3,167
Premises and equipment expense	$806,000	2,739
Additional noninterest expense	$1,158,000	3,831
Pre-tax net operating income	$1,581,000	3,992
Securities gains (losses)	$50,000	2,510
Applicable income taxes	$517,000	3,319
Income before extraordinary items	$1,114,000	4,326
Extraordinary gains, net	$0	54
Net income	$1,114,000	4,328
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,392
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$4,901,000	203
Net operating income	$1,080,000	4,248
2003-09-30 (YTD Data)		Rank
Total interest income	$5,017,000	4,025
Total interest expense	$1,057,000	5,218
Net interest income	$3,960,000	3,551
Provision for loan and lease losses	$160,000	3,772
Total noninterest income	$574,000	4,376
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$270,000	3,897
Trading account gains and fees	$0	153
Additional Noninterest Income	$304,000	4,018
Total noninterest expense	$3,231,000	3,476
Salaries and employee benefits	$1,868,000	3,275
Premises and equipment expense	$594,000	2,799
Additional noninterest expense	$769,000	4,176
Pre-tax net operating income	$1,143,000	4,220
Securities gains (losses)	$34,000	2,597
Applicable income taxes	$370,000	3,542
Income before extraordinary items	$807,000	4,570
Extraordinary gains, net	$0	40
Net income	$807,000	4,570
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,592
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$783,540	4,477
2003-06-30 (YTD Data)		Rank
Total interest income	$3,267,000	4,126
Total interest expense	$716,000	5,264
Net interest income	$2,551,000	3,641
Provision for loan and lease losses	$90,000	4,018
Total noninterest income	$382,000	4,365
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$177,000	3,911
Trading account gains and fees	$0	150
Additional Noninterest Income	$205,000	3,991
Total noninterest expense	$2,109,000	3,530
Salaries and employee benefits	$1,214,000	3,335
Premises and equipment expense	$380,000	2,893
Additional noninterest expense	$515,000	4,147
Pre-tax net operating income	$734,000	4,301
Securities gains (losses)	$29,000	2,379
Applicable income taxes	$235,000	3,668
Income before extraordinary items	$528,000	4,650
Extraordinary gains, net	$0	30
Net income	$528,000	4,650
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$507,990	4,554
2003-03-31 (YTD Data)		Rank
Total interest income	$1,604,000	4,224
Total interest expense	$353,000	5,425
Net interest income	$1,251,000	3,680
Provision for loan and lease losses	$65,000	3,141
Total noninterest income	$184,000	4,369
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$90,000	3,801
Trading account gains and fees	$0	134
Additional Noninterest Income	$94,000	4,045
Total noninterest expense	$1,028,000	3,570
Salaries and employee benefits	$599,000	3,376
Premises and equipment expense	$200,000	2,759
Additional noninterest expense	$229,000	4,511
Pre-tax net operating income	$342,000	4,440
Securities gains (losses)	$6,000	2,344
Applicable income taxes	$103,000	3,881
Income before extraordinary items	$245,000	4,772
Extraordinary gains, net	$0	21
Net income	$245,000	4,772
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$240,800	4,625
2002-12-31 (YTD Data)		Rank
Total interest income	$5,374,000	4,921
Total interest expense	$1,224,000	6,371
Net interest income	$4,150,000	4,233
Provision for loan and lease losses	$295,000	3,501
Total noninterest income	$422,000	5,640
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$283,000	4,363
Trading account gains and fees	$0	153
Additional Noninterest Income	$139,000	5,767
Total noninterest expense	$3,480,000	3,991
Salaries and employee benefits	$2,004,000	3,730
Premises and equipment expense	$636,000	3,237
Additional noninterest expense	$840,000	4,765
Pre-tax net operating income	$797,000	5,784
Securities gains (losses)	$50,000	2,409
Applicable income taxes	$104,000	5,932
Income before extraordinary items	$743,000	5,391
Extraordinary gains, net	$0	70
Net income	$743,000	5,391
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	$75,000	677
Net operating income	$699,000	5,423
2001-12-31 (YTD Data)		Rank
Total interest income	$4,774,000	5,776
Total interest expense	$1,475,000	7,030
Net interest income	$3,299,000	4,753
Provision for loan and lease losses	$144,000	4,879
Total noninterest income	$314,000	6,295
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$234,000	4,797
Trading account gains and fees	$0	177
Additional Noninterest Income	$80,000	6,875
Total noninterest expense	$2,824,000	4,550
Salaries and employee benefits	$1,653,000	4,201
Premises and equipment expense	$474,000	4,074
Additional noninterest expense	$697,000	5,321
Pre-tax net operating income	$645,000	6,007
Securities gains (losses)	$1,000	4,410
Applicable income taxes	$127,000	5,697
Income before extraordinary items	$519,000	5,972
Extraordinary gains, net	$0	105
Net income	$519,000	5,973
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	8,952
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$11,000	838
Net operating income	$518,200	5,868
2000-12-31 (YTD Data)		Rank
Total interest income	$4,053,000	6,449
Total interest expense	$1,269,000	7,649
Net interest income	$2,784,000	5,423
Provision for loan and lease losses	$88,000	5,585
Total noninterest income	$265,000	6,623
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$220,000	4,867
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	7,994
Total noninterest expense	$2,308,000	5,144
Salaries and employee benefits	$1,334,000	4,805
Premises and equipment expense	$345,000	4,979
Additional noninterest expense	$629,000	5,599
Pre-tax net operating income	$653,000	6,396
Securities gains (losses)	$1,000	1,732
Applicable income taxes	$178,000	5,633
Income before extraordinary items	$476,000	6,449
Extraordinary gains, net	$0	38
Net income	$476,000	6,448
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,122
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$1,959,000	373
Net operating income	$475,270	6,469
1999-12-31 (YTD Data)		Rank
Total interest income	$3,235,000	7,117
Total interest expense	$1,060,000	8,014
Net interest income	$2,175,000	6,327
Provision for loan and lease losses	$110,000	5,020
Total noninterest income	$313,000	6,330
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$270,000	4,290
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	8,297
Total noninterest expense	$1,823,000	6,034
Salaries and employee benefits	$997,000	5,893
Premises and equipment expense	$308,000	5,384
Additional noninterest expense	$518,000	6,379
Pre-tax net operating income	$555,000	6,888
Securities gains (losses)	$0	3,155
Applicable income taxes	$220,000	5,500
Income before extraordinary items	$335,000	7,369
Extraordinary gains, net	$0	35
Net income	$335,000	7,370
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,495
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$335,000	7,341
1998-12-31 (YTD Data)		Rank
Total interest income	$2,707,000	7,866
Total interest expense	$959,000	8,531
Net interest income	$1,748,000	7,162
Provision for loan and lease losses	$0	8,652
Total noninterest income	$281,000	6,653
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$234,000	4,700
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	8,260
Total noninterest expense	$1,594,000	6,440
Salaries and employee benefits	$835,000	6,533
Premises and equipment expense	$229,000	6,273
Additional noninterest expense	$530,000	6,236
Pre-tax net operating income	$435,000	7,693
Securities gains (losses)	$-5,000	10,072
Applicable income taxes	$55,000	8,243
Income before extraordinary items	$375,000	7,367
Extraordinary gains, net	$0	32
Net income	$375,000	7,366
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	4,378
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$379,350	7,265
1997-12-31 (YTD Data)		Rank
Total interest income	$2,127,000	8,858
Total interest expense	$703,000	9,530
Net interest income	$1,424,000	8,172
Provision for loan and lease losses	$250,000	2,930
Total noninterest income	$222,000	7,564
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$198,000	5,361
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	9,645
Total noninterest expense	$1,236,000	7,550
Salaries and employee benefits	$659,000	7,557
Premises and equipment expense	$202,000	6,803
Additional noninterest expense	$375,000	7,577
Pre-tax net operating income	$160,000	9,792
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$160,000	9,498
Extraordinary gains, net	$0	44
Net income	$160,000	9,500
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,448
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$160,000	9,456
1996-12-31 (YTD Data)		Rank
Total interest income	$1,205,000	10,513
Total interest expense	$403,000	10,867
Net interest income	$802,000	10,106
Provision for loan and lease losses	$101,000	5,052
Total noninterest income	$72,000	10,431
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$65,000	8,398
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	11,116
Total noninterest expense	$1,064,000	8,457
Salaries and employee benefits	$583,000	8,241
Premises and equipment expense	$171,000	7,604
Additional noninterest expense	$310,000	8,768
Pre-tax net operating income	$-291,000	11,136
Securities gains (losses)	$0	4,148
Applicable income taxes	$0	10,572
Income before extraordinary items	$-291,000	11,174
Extraordinary gains, net	$0	53
Net income	$-291,000	11,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$2,000	925
Net operating income	$-291,000	11,141
1995-12-31 (YTD Data)		Rank
Total interest income	$66,000	11,948
Total interest expense	$9,000	11,939
Net interest income	$57,000	11,944
Provision for loan and lease losses	$25,000	7,325
Total noninterest income	$66,000	11,042
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,000	10,307
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	8,550
Total noninterest expense	$396,000	11,440
Salaries and employee benefits	$113,000	11,838
Premises and equipment expense	$16,000	11,846
Additional noninterest expense	$267,000	9,634
Pre-tax net operating income	$-298,000	11,727
Securities gains (losses)	$0	3,831
Applicable income taxes	$0	11,151
Income before extraordinary items	$-298,000	11,731
Extraordinary gains, net	$0	65
Net income	$-298,000	11,728
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$4,289,000	115
Net operating income	$-298,000	11,721

* 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.