Home > Belmont Savings Bank > Income and Expense

Belmont Savings Bank, Income and Expense

2019-03-31 (YTD Data)		Rank
Total interest income	$27,082,000	354
Total interest expense	$12,046,000	210
Net interest income	$15,036,000	472
Provision for loan and lease losses	$448,000	520
Total noninterest income	$1,307,000	1,028
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$116,000	1,998
Trading account gains and fees	$136,000	98
Additional Noninterest Income	$1,055,000	871
Total noninterest expense	$32,396,000	225
Salaries and employee benefits	$23,819,000	176
Premises and equipment expense	$282,000	1,916
Additional noninterest expense	$8,295,000	267
Pre-tax net operating income	$-16,501,000	5,368
Securities gains (losses)	$0	1,087
Applicable income taxes	$-3,392,000	5,356
Income before extraordinary items	$-13,109,000	5,358
Extraordinary gains, net	$0	5
Net income	$-13,109,000	5,358
Minority interest net income	$0	52
Net income of bank and minority interests.	$-13,109,000	5,358
Net charge-offs	$14,000	1,843
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$22,405,000	10
Net operating income	$-13,109,000	5,358
2018-12-31 (YTD Data)		Rank
Total interest income	$98,357,000	365
Total interest expense	$37,343,000	198
Net interest income	$61,014,000	456
Provision for loan and lease losses	$1,657,000	585
Total noninterest income	$4,924,000	1,099
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$435,000	2,194
Trading account gains and fees	$-155,000	1,789
Additional Noninterest Income	$4,644,000	839
Total noninterest expense	$32,794,000	697
Salaries and employee benefits	$20,339,000	613
Premises and equipment expense	$1,132,000	1,876
Additional noninterest expense	$11,323,000	621
Pre-tax net operating income	$31,487,000	422
Securities gains (losses)	$0	1,125
Applicable income taxes	$8,545,000	339
Income before extraordinary items	$22,942,000	461
Extraordinary gains, net	$0	6
Net income	$22,942,000	460
Minority interest net income	$0	72
Net income of bank and minority interests.	$22,942,000	460
Net charge-offs	$30,000	2,911
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$1,618,000	185
Net operating income	$22,942,000	460
2018-09-30 (YTD Data)		Rank
Total interest income	$71,984,000	368
Total interest expense	$26,433,000	196
Net interest income	$45,551,000	456
Provision for loan and lease losses	$1,192,000	574
Total noninterest income	$3,712,000	1,101
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$293,000	2,334
Trading account gains and fees	$36,000	128
Additional Noninterest Income	$3,383,000	868
Total noninterest expense	$23,124,000	730
Salaries and employee benefits	$14,964,000	624
Premises and equipment expense	$852,000	1,885
Additional noninterest expense	$7,308,000	702
Pre-tax net operating income	$24,947,000	414
Securities gains (losses)	$0	1,118
Applicable income taxes	$6,604,000	344
Income before extraordinary items	$18,343,000	444
Extraordinary gains, net	$0	5
Net income	$18,343,000	443
Minority interest net income	$0	66
Net income of bank and minority interests.	$18,343,000	443
Net charge-offs	$23,000	2,632
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$1,151,000	172
Net operating income	$18,343,000	443
2018-06-30 (YTD Data)		Rank
Total interest income	$46,324,000	374
Total interest expense	$16,152,000	197
Net interest income	$30,172,000	457
Provision for loan and lease losses	$1,001,000	471
Total noninterest income	$2,591,000	1,076
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$192,000	2,355
Trading account gains and fees	$-7,000	1,838
Additional Noninterest Income	$2,406,000	829
Total noninterest expense	$15,349,000	738
Salaries and employee benefits	$9,897,000	628
Premises and equipment expense	$570,000	1,897
Additional noninterest expense	$4,882,000	701
Pre-tax net operating income	$16,413,000	410
Securities gains (losses)	$0	961
Applicable income taxes	$4,302,000	335
Income before extraordinary items	$12,111,000	437
Extraordinary gains, net	$0	6
Net income	$12,111,000	436
Minority interest net income	$0	65
Net income of bank and minority interests.	$12,111,000	436
Net charge-offs	$17,000	2,331
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$671,000	164
Net operating income	$12,111,000	436
2018-03-31 (YTD Data)		Rank
Total interest income	$22,428,000	380
Total interest expense	$7,326,000	198
Net interest income	$15,102,000	456
Provision for loan and lease losses	$274,000	754
Total noninterest income	$896,000	1,372
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$98,000	2,334
Trading account gains and fees	$-28,000	1,863
Additional Noninterest Income	$826,000	1,059
Total noninterest expense	$7,619,000	741
Salaries and employee benefits	$4,875,000	646
Premises and equipment expense	$302,000	1,858
Additional noninterest expense	$2,442,000	689
Pre-tax net operating income	$8,105,000	409
Securities gains (losses)	$0	735
Applicable income taxes	$2,073,000	344
Income before extraordinary items	$6,032,000	435
Extraordinary gains, net	$0	7
Net income	$6,032,000	434
Minority interest net income	$0	52
Net income of bank and minority interests.	$6,032,000	435
Net charge-offs	$2,000	2,440
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$196,000	196
Net operating income	$6,032,000	436
2017-12-31 (YTD Data)		Rank
Total interest income	$77,269,000	396
Total interest expense	$21,206,000	207
Net interest income	$56,063,000	459
Provision for loan and lease losses	$2,762,000	392
Total noninterest income	$3,445,000	1,431
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$393,000	2,417
Trading account gains and fees	$97,000	122
Additional Noninterest Income	$2,955,000	1,171
Total noninterest expense	$30,438,000	720
Salaries and employee benefits	$19,596,000	620
Premises and equipment expense	$1,142,000	1,919
Additional noninterest expense	$9,700,000	696
Pre-tax net operating income	$26,308,000	437
Securities gains (losses)	$38,000	1,020
Applicable income taxes	$11,914,000	352
Income before extraordinary items	$14,432,000	544
Extraordinary gains, net	$0	9
Net income	$14,432,000	544
Minority interest net income	$0	76
Net income of bank and minority interests.	$14,432,000	544
Net charge-offs	$35,000	3,157
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$2,681,000	145
Net operating income	$14,407,680	538
2017-09-30 (YTD Data)		Rank
Total interest income	$56,101,000	404
Total interest expense	$14,753,000	211
Net interest income	$41,348,000	469
Provision for loan and lease losses	$2,070,000	390
Total noninterest income	$2,418,000	1,514
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$291,000	2,445
Trading account gains and fees	$93,000	118
Additional Noninterest Income	$2,034,000	1,270
Total noninterest expense	$22,842,000	720
Salaries and employee benefits	$14,738,000	614
Premises and equipment expense	$879,000	1,896
Additional noninterest expense	$7,225,000	703
Pre-tax net operating income	$18,854,000	467
Securities gains (losses)	$0	2,274
Applicable income taxes	$6,531,000	406
Income before extraordinary items	$12,323,000	519
Extraordinary gains, net	$0	9
Net income	$12,323,000	517
Minority interest net income	$0	71
Net income of bank and minority interests.	$12,323,000	519
Net charge-offs	$35,000	2,680
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$2,277,000	130
Net operating income	$12,323,000	515
2017-06-30 (YTD Data)		Rank
Total interest income	$36,308,000	409
Total interest expense	$9,136,000	215
Net interest income	$27,172,000	472
Provision for loan and lease losses	$1,536,000	342
Total noninterest income	$1,569,000	1,545
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$197,000	2,419
Trading account gains and fees	$77,000	112
Additional Noninterest Income	$1,295,000	1,310
Total noninterest expense	$14,961,000	731
Salaries and employee benefits	$9,476,000	650
Premises and equipment expense	$592,000	1,882
Additional noninterest expense	$4,893,000	696
Pre-tax net operating income	$12,244,000	472
Securities gains (losses)	$0	1,906
Applicable income taxes	$4,526,000	394
Income before extraordinary items	$7,718,000	546
Extraordinary gains, net	$0	11
Net income	$7,718,000	545
Minority interest net income	$0	71
Net income of bank and minority interests.	$7,718,000	546
Net charge-offs	$32,000	2,314
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$1,410,000	119
Net operating income	$7,718,000	535
2017-03-31 (YTD Data)		Rank
Total interest income	$17,524,000	419
Total interest expense	$4,282,000	222
Net interest income	$13,242,000	480
Provision for loan and lease losses	$829,000	308
Total noninterest income	$594,000	1,836
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$93,000	2,514
Trading account gains and fees	$43,000	113
Additional Noninterest Income	$458,000	1,615
Total noninterest expense	$7,386,000	749
Salaries and employee benefits	$4,672,000	667
Premises and equipment expense	$313,000	1,831
Additional noninterest expense	$2,401,000	700
Pre-tax net operating income	$5,621,000	484
Securities gains (losses)	$0	1,153
Applicable income taxes	$1,934,000	431
Income before extraordinary items	$3,687,000	561
Extraordinary gains, net	$0	8
Net income	$3,687,000	561
Minority interest net income	$0	55
Net income of bank and minority interests.	$3,687,000	561
Net charge-offs	$32,000	1,622
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$563,000	114
Net operating income	$3,687,000	546
2016-12-31 (YTD Data)		Rank
Total interest income	$61,739,000	442
Total interest expense	$14,376,000	237
Net interest income	$47,363,000	507
Provision for loan and lease losses	$2,385,000	460
Total noninterest income	$2,634,000	1,790
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$418,000	2,385
Trading account gains and fees	$6,000	163
Additional Noninterest Income	$2,210,000	1,497
Total noninterest expense	$28,132,000	768
Salaries and employee benefits	$17,823,000	667
Premises and equipment expense	$1,191,000	1,877
Additional noninterest expense	$9,118,000	733
Pre-tax net operating income	$19,480,000	521
Securities gains (losses)	$0	3,212
Applicable income taxes	$7,455,000	420
Income before extraordinary items	$12,025,000	649
Extraordinary gains, net	$0	5
Net income	$12,025,000	648
Minority interest net income	$0	82
Net income of bank and minority interests.	$12,025,000	648
Net charge-offs	$40,000	3,302
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$2,338,000	139
Net operating income	$12,025,000	635
2016-09-30 (YTD Data)		Rank
Total interest income	$45,406,000	450
Total interest expense	$10,422,000	238
Net interest income	$34,984,000	512
Provision for loan and lease losses	$1,783,000	449
Total noninterest income	$1,972,000	1,800
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$322,000	2,343
Trading account gains and fees	$43,000	148
Additional Noninterest Income	$1,607,000	1,514
Total noninterest expense	$21,144,000	759
Salaries and employee benefits	$13,407,000	661
Premises and equipment expense	$893,000	1,881
Additional noninterest expense	$6,844,000	728
Pre-tax net operating income	$14,029,000	543
Securities gains (losses)	$0	3,160
Applicable income taxes	$5,326,000	439
Income before extraordinary items	$8,703,000	671
Extraordinary gains, net	$0	5
Net income	$8,703,000	671
Minority interest net income	$0	71
Net income of bank and minority interests.	$8,703,000	671
Net charge-offs	$54,000	2,531
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$1,558,000	128
Net operating income	$8,703,000	649
2016-06-30 (YTD Data)		Rank
Total interest income	$29,652,000	464
Total interest expense	$6,686,000	244
Net interest income	$22,966,000	518
Provision for loan and lease losses	$1,340,000	404
Total noninterest income	$1,319,000	1,778
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$222,000	2,260
Trading account gains and fees	$12,000	150
Additional Noninterest Income	$1,085,000	1,471
Total noninterest expense	$14,119,000	752
Salaries and employee benefits	$8,963,000	661
Premises and equipment expense	$592,000	1,888
Additional noninterest expense	$4,564,000	734
Pre-tax net operating income	$8,826,000	562
Securities gains (losses)	$0	2,835
Applicable income taxes	$3,306,000	458
Income before extraordinary items	$5,520,000	687
Extraordinary gains, net	$0	16
Net income	$5,520,000	685
Minority interest net income	$0	71
Net income of bank and minority interests.	$5,520,000	686
Net charge-offs	$37,000	2,372
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$1,037,000	122
Net operating income	$5,520,000	667
2016-03-31 (YTD Data)		Rank
Total interest income	$14,524,000	469
Total interest expense	$3,194,000	251
Net interest income	$11,330,000	528
Provision for loan and lease losses	$599,000	410
Total noninterest income	$643,000	1,762
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$113,000	2,232
Trading account gains and fees	$1,000	141
Additional Noninterest Income	$529,000	1,457
Total noninterest expense	$7,244,000	735
Salaries and employee benefits	$4,600,000	643
Premises and equipment expense	$299,000	1,885
Additional noninterest expense	$2,345,000	711
Pre-tax net operating income	$4,130,000	575
Securities gains (losses)	$0	2,077
Applicable income taxes	$1,567,000	469
Income before extraordinary items	$2,563,000	715
Extraordinary gains, net	$0	12
Net income	$2,563,000	713
Minority interest net income	$0	62
Net income of bank and minority interests.	$2,563,000	714
Net charge-offs	$8,000	2,423
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$504,000	104
Net operating income	$2,563,000	695
2015-12-31 (YTD Data)		Rank
Total interest income	$48,695,000	525
Total interest expense	$10,333,000	278
Net interest income	$38,362,000	596
Provision for loan and lease losses	$2,317,000	400
Total noninterest income	$3,002,000	1,604
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$469,000	2,247
Trading account gains and fees	$-39,000	6,154
Additional Noninterest Income	$2,572,000	1,283
Total noninterest expense	$27,708,000	749
Salaries and employee benefits	$17,610,000	649
Premises and equipment expense	$1,296,000	1,764
Additional noninterest expense	$8,802,000	746
Pre-tax net operating income	$11,339,000	788
Securities gains (losses)	$0	3,216
Applicable income taxes	$4,363,000	581
Income before extraordinary items	$6,976,000	1,023
Extraordinary gains, net	$0	23
Net income	$6,976,000	1,023
Minority interest net income	$0	81
Net income of bank and minority interests.	$6,976,000	1,023
Net charge-offs	$-42,000	5,517
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$2,196,000	140
Net operating income	$6,976,000	1,003
2015-09-30 (YTD Data)		Rank
Total interest income	$35,091,000	556
Total interest expense	$7,438,000	283
Net interest income	$27,653,000	622
Provision for loan and lease losses	$1,430,000	434
Total noninterest income	$2,296,000	1,603
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$346,000	2,286
Trading account gains and fees	$-56,000	6,244
Additional Noninterest Income	$2,006,000	1,275
Total noninterest expense	$20,524,000	764
Salaries and employee benefits	$13,078,000	662
Premises and equipment expense	$991,000	1,742
Additional noninterest expense	$6,455,000	765
Pre-tax net operating income	$7,995,000	836
Securities gains (losses)	$0	3,031
Applicable income taxes	$3,091,000	621
Income before extraordinary items	$4,904,000	1,097
Extraordinary gains, net	$0	21
Net income	$4,904,000	1,095
Minority interest net income	$0	78
Net income of bank and minority interests.	$4,904,000	1,097
Net charge-offs	$-79,000	5,745
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$1,526,000	136
Net operating income	$4,904,000	1,066
2015-06-30 (YTD Data)		Rank
Total interest income	$22,659,000	565
Total interest expense	$4,839,000	291
Net interest income	$17,820,000	645
Provision for loan and lease losses	$704,000	569
Total noninterest income	$1,649,000	1,508
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$234,000	2,224
Trading account gains and fees	$28,000	135
Additional Noninterest Income	$1,387,000	1,256
Total noninterest expense	$13,812,000	754
Salaries and employee benefits	$8,721,000	658
Premises and equipment expense	$673,000	1,725
Additional noninterest expense	$4,418,000	756
Pre-tax net operating income	$4,953,000	904
Securities gains (losses)	$0	2,636
Applicable income taxes	$1,922,000	653
Income before extraordinary items	$3,031,000	1,160
Extraordinary gains, net	$0	22
Net income	$3,031,000	1,160
Minority interest net income	$0	75
Net income of bank and minority interests.	$3,031,000	1,161
Net charge-offs	$48,000	2,343
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$1,009,000	131
Net operating income	$3,031,000	1,128
2015-03-31 (YTD Data)		Rank
Total interest income	$11,098,000	573
Total interest expense	$2,328,000	301
Net interest income	$8,770,000	643
Provision for loan and lease losses	$338,000	574
Total noninterest income	$730,000	1,611
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$121,000	2,152
Trading account gains and fees	$39,000	122
Additional Noninterest Income	$570,000	1,366
Total noninterest expense	$6,869,000	753
Salaries and employee benefits	$4,344,000	666
Premises and equipment expense	$354,000	1,670
Additional noninterest expense	$2,171,000	758
Pre-tax net operating income	$2,293,000	932
Securities gains (losses)	$0	2,027
Applicable income taxes	$888,000	677
Income before extraordinary items	$1,405,000	1,200
Extraordinary gains, net	$0	13
Net income	$1,405,000	1,200
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,405,000	1,201
Net charge-offs	$16,000	2,251
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$478,000	122
Net operating income	$1,405,000	1,159
2014-12-31 (YTD Data)		Rank
Total interest income	$38,774,000	646
Total interest expense	$7,203,000	384
Net interest income	$31,571,000	701
Provision for loan and lease losses	$1,552,000	586
Total noninterest income	$3,268,000	1,468
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$483,000	2,334
Trading account gains and fees	$19,000	163
Additional Noninterest Income	$2,766,000	1,155
Total noninterest expense	$26,318,000	777
Salaries and employee benefits	$16,581,000	665
Premises and equipment expense	$1,305,000	1,775
Additional noninterest expense	$8,432,000	776
Pre-tax net operating income	$6,969,000	1,160
Securities gains (losses)	$0	3,259
Applicable income taxes	$2,661,000	796
Income before extraordinary items	$4,308,000	1,482
Extraordinary gains, net	$0	17
Net income	$4,308,000	1,479
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,308,000	1,481
Net charge-offs	$629,000	1,252
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$2,130,000	134
Net operating income	$4,308,000	1,459
2014-09-30 (YTD Data)		Rank
Total interest income	$28,119,000	667
Total interest expense	$5,100,000	411
Net interest income	$23,019,000	716
Provision for loan and lease losses	$988,000	675
Total noninterest income	$2,374,000	1,502
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$363,000	2,348
Trading account gains and fees	$22,000	153
Additional Noninterest Income	$1,989,000	1,208
Total noninterest expense	$19,687,000	770
Salaries and employee benefits	$12,462,000	662
Premises and equipment expense	$985,000	1,783
Additional noninterest expense	$6,240,000	787
Pre-tax net operating income	$4,718,000	1,275
Securities gains (losses)	$0	2,980
Applicable income taxes	$1,791,000	872
Income before extraordinary items	$2,927,000	1,613
Extraordinary gains, net	$0	15
Net income	$2,927,000	1,613
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,927,000	1,613
Net charge-offs	$627,000	971
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$1,537,000	122
Net operating income	$2,927,000	1,592
2014-06-30 (YTD Data)		Rank
Total interest income	$18,063,000	692
Total interest expense	$3,164,000	448
Net interest income	$14,899,000	735
Provision for loan and lease losses	$696,000	652
Total noninterest income	$1,592,000	1,495
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$252,000	2,255
Trading account gains and fees	$60,000	134
Additional Noninterest Income	$1,280,000	1,221
Total noninterest expense	$13,070,000	775
Salaries and employee benefits	$8,149,000	680
Premises and equipment expense	$670,000	1,771
Additional noninterest expense	$4,251,000	771
Pre-tax net operating income	$2,725,000	1,395
Securities gains (losses)	$0	2,580
Applicable income taxes	$1,005,000	965
Income before extraordinary items	$1,720,000	1,756
Extraordinary gains, net	$0	20
Net income	$1,720,000	1,759
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,720,000	1,758
Net charge-offs	$40,000	2,969
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$1,035,000	106
Net operating income	$1,720,000	1,714
2014-03-31 (YTD Data)		Rank
Total interest income	$8,769,000	716
Total interest expense	$1,467,000	483
Net interest income	$7,302,000	750
Provision for loan and lease losses	$388,000	559
Total noninterest income	$713,000	1,569
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$126,000	2,223
Trading account gains and fees	$21,000	129
Additional Noninterest Income	$566,000	1,290
Total noninterest expense	$6,602,000	773
Salaries and employee benefits	$4,124,000	673
Premises and equipment expense	$337,000	1,789
Additional noninterest expense	$2,141,000	759
Pre-tax net operating income	$1,025,000	1,735
Securities gains (losses)	$0	1,715
Applicable income taxes	$320,000	1,287
Income before extraordinary items	$705,000	1,985
Extraordinary gains, net	$0	16
Net income	$705,000	1,988
Minority interest net income	$0	66
Net income of bank and minority interests.	$705,000	1,988
Net charge-offs	$4,000	3,176
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$552,000	96
Net operating income	$705,000	1,951
2013-12-31 (YTD Data)		Rank
Total interest income	$31,057,000	798
Total interest expense	$5,159,000	637
Net interest income	$25,898,000	824
Provision for loan and lease losses	$1,497,000	796
Total noninterest income	$3,670,000	1,401
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$570,000	2,159
Trading account gains and fees	$50,000	153
Additional Noninterest Income	$3,050,000	1,141
Total noninterest expense	$25,026,000	806
Salaries and employee benefits	$15,207,000	725
Premises and equipment expense	$1,191,000	1,929
Additional noninterest expense	$8,628,000	793
Pre-tax net operating income	$3,045,000	2,147
Securities gains (losses)	$34,000	2,048
Applicable income taxes	$1,253,000	1,271
Income before extraordinary items	$1,826,000	2,783
Extraordinary gains, net	$0	29
Net income	$1,826,000	2,785
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,826,000	2,786
Net charge-offs	$-21,000	6,289
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$1,888,000	159
Net operating income	$1,804,240	2,744
2013-09-30 (YTD Data)		Rank
Total interest income	$22,139,000	852
Total interest expense	$3,812,000	682
Net interest income	$18,327,000	884
Provision for loan and lease losses	$865,000	998
Total noninterest income	$2,917,000	1,374
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$429,000	2,150
Trading account gains and fees	$30,000	158
Additional Noninterest Income	$2,458,000	1,114
Total noninterest expense	$18,260,000	840
Salaries and employee benefits	$11,164,000	737
Premises and equipment expense	$865,000	1,998
Additional noninterest expense	$6,231,000	819
Pre-tax net operating income	$2,119,000	2,322
Securities gains (losses)	$34,000	1,913
Applicable income taxes	$884,000	1,355
Income before extraordinary items	$1,269,000	2,966
Extraordinary gains, net	$0	25
Net income	$1,269,000	2,970
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,269,000	2,970
Net charge-offs	$-20,000	6,264
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$1,388,000	138
Net operating income	$1,247,240	2,935
2013-06-30 (YTD Data)		Rank
Total interest income	$14,144,000	882
Total interest expense	$2,548,000	698
Net interest income	$11,596,000	919
Provision for loan and lease losses	$427,000	1,314
Total noninterest income	$2,023,000	1,346
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$292,000	2,080
Trading account gains and fees	$18,000	138
Additional Noninterest Income	$1,713,000	1,087
Total noninterest expense	$11,946,000	855
Salaries and employee benefits	$7,279,000	749
Premises and equipment expense	$566,000	2,041
Additional noninterest expense	$4,101,000	817
Pre-tax net operating income	$1,246,000	2,532
Securities gains (losses)	$34,000	1,755
Applicable income taxes	$527,000	1,462
Income before extraordinary items	$753,000	3,178
Extraordinary gains, net	$0	22
Net income	$753,000	3,180
Minority interest net income	$0	82
Net income of bank and minority interests.	$753,000	3,181
Net charge-offs	$11,000	4,274
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$903,000	118
Net operating income	$731,240	3,142
2013-03-31 (YTD Data)		Rank
Total interest income	$7,006,000	901
Total interest expense	$1,273,000	729
Net interest income	$5,733,000	933
Provision for loan and lease losses	$327,000	932
Total noninterest income	$1,006,000	1,358
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$149,000	2,047
Trading account gains and fees	$0	148
Additional Noninterest Income	$857,000	1,092
Total noninterest expense	$5,774,000	895
Salaries and employee benefits	$3,680,000	747
Premises and equipment expense	$287,000	2,042
Additional noninterest expense	$1,807,000	943
Pre-tax net operating income	$638,000	2,438
Securities gains (losses)	$31,000	1,120
Applicable income taxes	$273,000	1,424
Income before extraordinary items	$396,000	3,042
Extraordinary gains, net	$0	10
Net income	$396,000	3,042
Minority interest net income	$0	76
Net income of bank and minority interests.	$396,000	3,044
Net charge-offs	$-11,000	6,232
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$449,000	94
Net operating income	$376,160	3,048
2012-12-31 (YTD Data)		Rank
Total interest income	$26,824,000	978
Total interest expense	$5,322,000	843
Net interest income	$21,502,000	1,028
Provision for loan and lease losses	$2,736,000	831
Total noninterest income	$4,692,000	1,202
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$547,000	2,313
Trading account gains and fees	$0	166
Additional Noninterest Income	$4,145,000	938
Total noninterest expense	$21,289,000	940
Salaries and employee benefits	$13,490,000	777
Premises and equipment expense	$1,008,000	2,268
Additional noninterest expense	$6,791,000	1,024
Pre-tax net operating income	$2,169,000	2,661
Securities gains (losses)	$59,000	2,619
Applicable income taxes	$759,000	1,761
Income before extraordinary items	$1,469,000	3,171
Extraordinary gains, net	$0	29
Net income	$1,469,000	3,171
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,469,000	3,171
Net charge-offs	$1,072,000	1,751
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$328,000	369
Net operating income	$1,430,060	3,079
2012-09-30 (YTD Data)		Rank
Total interest income	$19,682,000	1,020
Total interest expense	$3,982,000	889
Net interest income	$15,700,000	1,061
Provision for loan and lease losses	$2,040,000	841
Total noninterest income	$3,139,000	1,297
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$397,000	2,398
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,742,000	1,005
Total noninterest expense	$15,393,000	977
Salaries and employee benefits	$9,679,000	808
Premises and equipment expense	$738,000	2,338
Additional noninterest expense	$4,976,000	1,036
Pre-tax net operating income	$1,406,000	3,021
Securities gains (losses)	$0	3,575
Applicable income taxes	$441,000	2,069
Income before extraordinary items	$965,000	3,499
Extraordinary gains, net	$0	20
Net income	$965,000	3,499
Minority interest net income	$0	86
Net income of bank and minority interests.	$965,000	3,501
Net charge-offs	$837,000	1,625
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$138,000	406
Net operating income	$965,000	3,339
2012-06-30 (YTD Data)		Rank
Total interest income	$12,730,000	1,078
Total interest expense	$2,632,000	932
Net interest income	$10,098,000	1,100
Provision for loan and lease losses	$1,306,000	883
Total noninterest income	$2,440,000	1,146
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$263,000	2,394
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,177,000	867
Total noninterest expense	$10,083,000	989
Salaries and employee benefits	$6,369,000	820
Premises and equipment expense	$478,000	2,389
Additional noninterest expense	$3,236,000	1,062
Pre-tax net operating income	$1,149,000	2,597
Securities gains (losses)	$0	3,178
Applicable income taxes	$376,000	1,794
Income before extraordinary items	$773,000	3,113
Extraordinary gains, net	$0	19
Net income	$773,000	3,112
Minority interest net income	$0	84
Net income of bank and minority interests.	$773,000	3,113
Net charge-offs	$722,000	1,411
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$89,000	391
Net operating income	$773,000	2,955
2012-03-31 (YTD Data)		Rank
Total interest income	$6,510,000	1,048
Total interest expense	$1,297,000	976
Net interest income	$5,213,000	1,061
Provision for loan and lease losses	$481,000	1,090
Total noninterest income	$958,000	1,365
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$132,000	2,376
Trading account gains and fees	$0	148
Additional Noninterest Income	$826,000	1,047
Total noninterest expense	$5,006,000	993
Salaries and employee benefits	$3,147,000	818
Premises and equipment expense	$233,000	2,455
Additional noninterest expense	$1,626,000	1,049
Pre-tax net operating income	$684,000	2,306
Securities gains (losses)	$0	2,210
Applicable income taxes	$223,000	1,603
Income before extraordinary items	$461,000	2,775
Extraordinary gains, net	$0	19
Net income	$461,000	2,777
Minority interest net income	$0	78
Net income of bank and minority interests.	$461,000	2,778
Net charge-offs	$81,000	2,633
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$42,000	351
Net operating income	$461,000	2,637
2011-12-31 (YTD Data)		Rank
Total interest income	$22,233,000	1,284
Total interest expense	$5,694,000	1,060
Net interest income	$16,539,000	1,331
Provision for loan and lease losses	$2,285,000	1,428
Total noninterest income	$1,691,000	2,264
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$448,000	2,806
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,243,000	1,856
Total noninterest expense	$16,150,000	1,221
Salaries and employee benefits	$10,195,000	963
Premises and equipment expense	$923,000	2,579
Additional noninterest expense	$5,032,000	1,372
Pre-tax net operating income	$-205,000	6,243
Securities gains (losses)	$2,790,000	173
Applicable income taxes	$867,000	1,485
Income before extraordinary items	$1,718,000	2,524
Extraordinary gains, net	$0	29
Net income	$1,718,000	2,524
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,718,000	2,525
Net charge-offs	$398,000	3,453
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$37,213,000	24
Net operating income	$-123,400	6,201
2011-09-30 (YTD Data)		Rank
Total interest income	$16,054,000	1,350
Total interest expense	$4,396,000	1,074
Net interest income	$11,658,000	1,441
Provision for loan and lease losses	$1,538,000	1,492
Total noninterest income	$1,158,000	2,395
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$293,000	3,087
Trading account gains and fees	$0	145
Additional Noninterest Income	$865,000	1,934
Total noninterest expense	$11,617,000	1,275
Salaries and employee benefits	$7,384,000	999
Premises and equipment expense	$692,000	2,589
Additional noninterest expense	$3,541,000	1,451
Pre-tax net operating income	$-339,000	6,500
Securities gains (losses)	$2,788,000	143
Applicable income taxes	$812,000	1,278
Income before extraordinary items	$1,637,000	2,165
Extraordinary gains, net	$0	21
Net income	$1,637,000	2,165
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,637,000	2,166
Net charge-offs	$383,000	2,965
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-230,960	6,467
2011-06-30 (YTD Data)		Rank
Total interest income	$10,414,000	1,406
Total interest expense	$3,056,000	1,070
Net interest income	$7,358,000	1,518
Provision for loan and lease losses	$1,218,000	1,318
Total noninterest income	$743,000	2,434
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$209,000	2,922
Trading account gains and fees	$0	153
Additional Noninterest Income	$534,000	2,007
Total noninterest expense	$7,632,000	1,303
Salaries and employee benefits	$4,831,000	1,029
Premises and equipment expense	$463,000	2,602
Additional noninterest expense	$2,338,000	1,488
Pre-tax net operating income	$-749,000	6,896
Securities gains (losses)	$2,788,000	88
Applicable income taxes	$698,000	1,030
Income before extraordinary items	$1,341,000	1,775
Extraordinary gains, net	$0	15
Net income	$1,341,000	1,775
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,341,000	1,775
Net charge-offs	$368,000	2,455
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-499,080	6,834
2011-03-31 (YTD Data)		Rank
Total interest income	$5,059,000	1,451
Total interest expense	$1,542,000	1,094
Net interest income	$3,517,000	1,590
Provision for loan and lease losses	$476,000	1,467
Total noninterest income	$326,000	2,689
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$87,000	3,269
Trading account gains and fees	$0	158
Additional Noninterest Income	$239,000	2,218
Total noninterest expense	$3,717,000	1,337
Salaries and employee benefits	$2,395,000	1,046
Premises and equipment expense	$249,000	2,512
Additional noninterest expense	$1,073,000	1,617
Pre-tax net operating income	$-350,000	6,988
Securities gains (losses)	$2,788,000	45
Applicable income taxes	$908,000	493
Income before extraordinary items	$1,530,000	815
Extraordinary gains, net	$0	9
Net income	$1,530,000	814
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,530,000	815
Net charge-offs	$37,000	3,587
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-254,320	6,928
2010-12-31 (YTD Data)		Rank
Total interest income	$21,188,000	1,445
Total interest expense	$7,650,000	1,081
Net interest income	$13,538,000	1,637
Provision for loan and lease losses	$438,000	4,344
Total noninterest income	$1,525,000	2,484
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$375,000	3,184
Trading account gains and fees	$117,000	124
Additional Noninterest Income	$1,033,000	2,145
Total noninterest expense	$12,743,000	1,553
Salaries and employee benefits	$7,895,000	1,251
Premises and equipment expense	$881,000	2,750
Additional noninterest expense	$3,967,000	1,823
Pre-tax net operating income	$1,882,000	2,352
Securities gains (losses)	$165,000	1,750
Applicable income taxes	$220,000	2,641
Income before extraordinary items	$1,827,000	2,177
Extraordinary gains, net	$0	29
Net income	$1,827,000	2,179
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,827,000	2,180
Net charge-offs	$22,000	6,340
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,680,150	2,222
2010-09-30 (YTD Data)		Rank
Total interest income	$16,185,000	1,450
Total interest expense	$5,973,000	1,079
Net interest income	$10,212,000	1,653
Provision for loan and lease losses	$247,000	4,605
Total noninterest income	$1,345,000	2,254
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$296,000	3,175
Trading account gains and fees	$322,000	94
Additional Noninterest Income	$727,000	2,206
Total noninterest expense	$8,916,000	1,652
Salaries and employee benefits	$5,556,000	1,328
Premises and equipment expense	$630,000	2,914
Additional noninterest expense	$2,730,000	1,905
Pre-tax net operating income	$2,394,000	1,642
Securities gains (losses)	$55,000	2,354
Applicable income taxes	$800,000	1,203
Income before extraordinary items	$1,649,000	1,990
Extraordinary gains, net	$0	23
Net income	$1,649,000	1,991
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,649,000	1,992
Net charge-offs	$15,000	6,116
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,612,150	1,934
2010-06-30 (YTD Data)		Rank
Total interest income	$10,960,000	1,446
Total interest expense	$4,131,000	1,082
Net interest income	$6,829,000	1,653
Provision for loan and lease losses	$280,000	3,740
Total noninterest income	$12,000	7,415
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$205,000	3,113
Trading account gains and fees	$-643,000	7,815
Additional Noninterest Income	$450,000	2,242
Total noninterest expense	$5,491,000	1,793
Salaries and employee benefits	$3,205,000	1,539
Premises and equipment expense	$416,000	2,967
Additional noninterest expense	$1,870,000	1,863
Pre-tax net operating income	$1,070,000	2,251
Securities gains (losses)	$0	3,184
Applicable income taxes	$327,000	1,652
Income before extraordinary items	$743,000	2,650
Extraordinary gains, net	$0	19
Net income	$743,000	2,645
Minority interest net income	$0	105
Net income of bank and minority interests.	$743,000	2,649
Net charge-offs	$7,000	5,969
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$743,000	2,543
2010-03-31 (YTD Data)		Rank
Total interest income	$5,546,000	1,459
Total interest expense	$2,139,000	1,099
Net interest income	$3,407,000	1,669
Provision for loan and lease losses	$284,000	2,533
Total noninterest income	$988,000	1,245
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$96,000	3,228
Trading account gains and fees	$625,000	67
Additional Noninterest Income	$267,000	1,988
Total noninterest expense	$2,650,000	1,879
Salaries and employee benefits	$1,621,000	1,539
Premises and equipment expense	$213,000	2,978
Additional noninterest expense	$816,000	2,080
Pre-tax net operating income	$1,461,000	919
Securities gains (losses)	$0	2,284
Applicable income taxes	$559,000	650
Income before extraordinary items	$902,000	1,210
Extraordinary gains, net	$0	16
Net income	$902,000	1,213
Minority interest net income	$0	91
Net income of bank and minority interests.	$902,000	1,212
Net charge-offs	$6,000	5,069
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$902,000	1,184
2009-12-31 (YTD Data)		Rank
Total interest income	$23,078,000	1,491
Total interest expense	$10,443,000	1,140
Net interest income	$12,635,000	1,762
Provision for loan and lease losses	$366,000	4,993
Total noninterest income	$4,250,000	1,243
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$367,000	3,486
Trading account gains and fees	$2,629,000	74
Additional Noninterest Income	$1,254,000	1,864
Total noninterest expense	$10,221,000	1,977
Salaries and employee benefits	$6,300,000	1,568
Premises and equipment expense	$840,000	2,993
Additional noninterest expense	$3,081,000	2,297
Pre-tax net operating income	$6,298,000	688
Securities gains (losses)	$0	3,754
Applicable income taxes	$2,742,000	434
Income before extraordinary items	$3,556,000	961
Extraordinary gains, net	$0	34
Net income	$3,556,000	959
Minority interest net income	$0	115
Net income of bank and minority interests.	$3,556,000	960
Net charge-offs	$17,000	6,721
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$1,000	1,334
Net operating income	$3,556,000	958
2009-09-30 (YTD Data)		Rank
Total interest income	$17,440,000	1,504
Total interest expense	$8,106,000	1,153
Net interest income	$9,334,000	1,790
Provision for loan and lease losses	$214,000	5,076
Total noninterest income	$3,182,000	1,257
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$279,000	3,460
Trading account gains and fees	$2,051,000	81
Additional Noninterest Income	$852,000	2,045
Total noninterest expense	$7,632,000	1,969
Salaries and employee benefits	$4,743,000	1,586
Premises and equipment expense	$619,000	3,077
Additional noninterest expense	$2,270,000	2,299
Pre-tax net operating income	$4,670,000	731
Securities gains (losses)	$0	3,497
Applicable income taxes	$2,099,000	446
Income before extraordinary items	$2,571,000	1,064
Extraordinary gains, net	$0	27
Net income	$2,571,000	1,063
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,571,000	1,064
Net charge-offs	$17,000	6,315
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,571,000	1,042
2009-06-30 (YTD Data)		Rank
Total interest income	$11,763,000	1,525
Total interest expense	$5,587,000	1,178
Net interest income	$6,176,000	1,803
Provision for loan and lease losses	$277,000	3,856
Total noninterest income	$1,793,000	1,448
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$187,000	3,432
Trading account gains and fees	$1,075,000	82
Additional Noninterest Income	$531,000	2,132
Total noninterest expense	$5,222,000	1,953
Salaries and employee benefits	$3,152,000	1,628
Premises and equipment expense	$420,000	3,057
Additional noninterest expense	$1,650,000	2,154
Pre-tax net operating income	$2,470,000	927
Securities gains (losses)	$-744,000	7,969
Applicable income taxes	$847,000	710
Income before extraordinary items	$879,000	2,075
Extraordinary gains, net	$0	21
Net income	$879,000	2,072
Minority interest net income	$0	112
Net income of bank and minority interests.	$879,000	2,074
Net charge-offs	$15,000	5,781
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,355,160	1,355
2009-03-31 (YTD Data)		Rank
Total interest income	$5,921,000	1,532
Total interest expense	$2,902,000	1,184
Net interest income	$3,019,000	1,836
Provision for loan and lease losses	$29,000	5,632
Total noninterest income	$-602,000	8,204
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$107,000	3,139
Trading account gains and fees	$-935,000	8,232
Additional Noninterest Income	$226,000	2,346
Total noninterest expense	$2,480,000	2,006
Salaries and employee benefits	$1,609,000	1,610
Premises and equipment expense	$219,000	3,019
Additional noninterest expense	$652,000	2,381
Pre-tax net operating income	$-92,000	6,625
Securities gains (losses)	$-250,000	8,059
Applicable income taxes	$-131,000	7,612
Income before extraordinary items	$-211,000	7,051
Extraordinary gains, net	$0	15
Net income	$-211,000	7,052
Minority interest net income	$0	102
Net income of bank and minority interests.	$-211,000	7,052
Net charge-offs	$1,000	5,564
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-51,000	6,549
2008-12-31 (YTD Data)		Rank
Total interest income	$23,349,000	1,661
Total interest expense	$12,799,000	1,275
Net interest income	$10,550,000	2,101
Provision for loan and lease losses	$724,000	3,196
Total noninterest income	$-2,771,000	8,276
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$363,000	3,645
Trading account gains and fees	$-4,544,000	8,271
Additional Noninterest Income	$1,410,000	1,668
Total noninterest expense	$9,252,000	2,082
Salaries and employee benefits	$5,999,000	1,705
Premises and equipment expense	$833,000	3,077
Additional noninterest expense	$2,420,000	2,416
Pre-tax net operating income	$-2,197,000	7,413
Securities gains (losses)	$-998,000	7,742
Applicable income taxes	$-1,441,000	7,830
Income before extraordinary items	$-1,754,000	7,305
Extraordinary gains, net	$0	39
Net income	$-1,754,000	7,302
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	5,843
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-1,115,280	7,167
2008-09-30 (YTD Data)		Rank
Total interest income	$17,263,000	1,720
Total interest expense	$9,693,000	1,317
Net interest income	$7,570,000	2,222
Provision for loan and lease losses	$341,000	3,338
Total noninterest income	$-1,293,000	8,349
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$313,000	3,400
Trading account gains and fees	$-2,503,000	8,341
Additional Noninterest Income	$897,000	1,967
Total noninterest expense	$6,824,000	2,111
Salaries and employee benefits	$4,483,000	1,731
Premises and equipment expense	$625,000	3,082
Additional noninterest expense	$1,716,000	2,469
Pre-tax net operating income	$-888,000	7,468
Securities gains (losses)	$-477,000	7,760
Applicable income taxes	$-712,000	7,963
Income before extraordinary items	$-653,000	7,307
Extraordinary gains, net	$0	31
Net income	$-653,000	7,305
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,098
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-347,720	7,213
2008-06-30 (YTD Data)		Rank
Total interest income	$11,440,000	1,749
Total interest expense	$6,595,000	1,338
Net interest income	$4,845,000	2,277
Provision for loan and lease losses	$202,000	3,132
Total noninterest income	$916,000	2,384
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$209,000	3,394
Trading account gains and fees	$0	149
Additional Noninterest Income	$707,000	1,774
Total noninterest expense	$4,554,000	2,113
Salaries and employee benefits	$2,979,000	1,757
Premises and equipment expense	$429,000	3,022
Additional noninterest expense	$1,146,000	2,442
Pre-tax net operating income	$1,005,000	2,934
Securities gains (losses)	$-288,000	8,315
Applicable income taxes	$117,000	3,297
Income before extraordinary items	$600,000	3,641
Extraordinary gains, net	$0	21
Net income	$600,000	3,642
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	4,294
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$841,920	2,899
2008-03-31 (YTD Data)		Rank
Total interest income	$5,693,000	1,799
Total interest expense	$3,438,000	1,367
Net interest income	$2,255,000	2,434
Provision for loan and lease losses	$129,000	2,371
Total noninterest income	$641,000	1,854
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$93,000	3,591
Trading account gains and fees	$0	158
Additional Noninterest Income	$548,000	1,320
Total noninterest expense	$2,269,000	2,111
Salaries and employee benefits	$1,484,000	1,772
Premises and equipment expense	$225,000	2,923
Additional noninterest expense	$560,000	2,459
Pre-tax net operating income	$498,000	3,078
Securities gains (losses)	$-359,000	8,448
Applicable income taxes	$5,000	5,114
Income before extraordinary items	$134,000	5,401
Extraordinary gains, net	$0	15
Net income	$134,000	5,403
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	$0	1,000
Net operating income	$478,640	2,716
2007-12-31 (YTD Data)		Rank
Total interest income	$23,042,000	1,837
Total interest expense	$14,155,000	1,412
Net interest income	$8,887,000	2,485
Provision for loan and lease losses	$128,000	4,529
Total noninterest income	$1,221,000	3,108
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$418,000	3,447
Trading account gains and fees	$0	178
Additional Noninterest Income	$803,000	2,553
Total noninterest expense	$9,158,000	2,010
Salaries and employee benefits	$5,855,000	1,718
Premises and equipment expense	$951,000	2,679
Additional noninterest expense	$2,352,000	2,300
Pre-tax net operating income	$822,000	5,127
Securities gains (losses)	$162,000	489
Applicable income taxes	$172,000	4,004
Income before extraordinary items	$812,000	4,767
Extraordinary gains, net	$0	39
Net income	$812,000	4,768
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,921
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$677,540	5,101
2007-09-30 (YTD Data)		Rank
Total interest income	$17,292,000	1,843
Total interest expense	$10,502,000	1,431
Net interest income	$6,790,000	2,458
Provision for loan and lease losses	$94,000	4,213
Total noninterest income	$819,000	3,341
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$343,000	3,236
Trading account gains and fees	$0	184
Additional Noninterest Income	$476,000	2,930
Total noninterest expense	$6,764,000	2,017
Salaries and employee benefits	$4,397,000	1,708
Premises and equipment expense	$706,000	2,694
Additional noninterest expense	$1,661,000	2,386
Pre-tax net operating income	$751,000	4,979
Securities gains (losses)	$9,000	1,036
Applicable income taxes	$166,000	3,937
Income before extraordinary items	$594,000	5,015
Extraordinary gains, net	$0	33
Net income	$594,000	5,015
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	5,346
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$586,980	5,036
2007-06-30 (YTD Data)		Rank
Total interest income	$11,556,000	1,857
Total interest expense	$6,927,000	1,440
Net interest income	$4,629,000	2,437
Provision for loan and lease losses	$91,000	3,418
Total noninterest income	$563,000	3,299
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$231,000	3,193
Trading account gains and fees	$0	168
Additional Noninterest Income	$332,000	2,859
Total noninterest expense	$4,539,000	2,035
Salaries and employee benefits	$2,954,000	1,740
Premises and equipment expense	$471,000	2,709
Additional noninterest expense	$1,114,000	2,378
Pre-tax net operating income	$562,000	4,818
Securities gains (losses)	$0	1,444
Applicable income taxes	$125,000	3,872
Income before extraordinary items	$437,000	4,866
Extraordinary gains, net	$0	29
Net income	$437,000	4,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,902
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$437,000	4,868
2007-03-31 (YTD Data)		Rank
Total interest income	$5,811,000	1,851
Total interest expense	$3,462,000	1,434
Net interest income	$2,349,000	2,413
Provision for loan and lease losses	$70,000	2,576
Total noninterest income	$292,000	3,164
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$123,000	3,011
Trading account gains and fees	$0	195
Additional Noninterest Income	$169,000	2,811
Total noninterest expense	$2,299,000	2,013
Salaries and employee benefits	$1,509,000	1,724
Premises and equipment expense	$240,000	2,681
Additional noninterest expense	$550,000	2,399
Pre-tax net operating income	$272,000	4,878
Securities gains (losses)	$0	1,187
Applicable income taxes	$68,000	3,781
Income before extraordinary items	$204,000	5,012
Extraordinary gains, net	$0	22
Net income	$204,000	5,012
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,384
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$204,000	5,002
2006-12-31 (YTD Data)		Rank
Total interest income	$22,664,000	1,783
Total interest expense	$13,104,000	1,292
Net interest income	$9,560,000	2,381
Provision for loan and lease losses	$221,000	3,340
Total noninterest income	$1,016,000	3,509
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$366,000	3,724
Trading account gains and fees	$0	130
Additional Noninterest Income	$650,000	2,867
Total noninterest expense	$10,041,000	1,775
Salaries and employee benefits	$6,252,000	1,575
Premises and equipment expense	$1,028,000	2,408
Additional noninterest expense	$2,761,000	1,907
Pre-tax net operating income	$314,000	7,072
Securities gains (losses)	$0	1,687
Applicable income taxes	$-89,000	8,361
Income before extraordinary items	$403,000	6,506
Extraordinary gains, net	$0	51
Net income	$403,000	6,508
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,661
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$403,000	6,509
2006-09-30 (YTD Data)		Rank
Total interest income	$16,807,000	1,794
Total interest expense	$9,556,000	1,287
Net interest income	$7,251,000	2,387
Provision for loan and lease losses	$215,000	2,754
Total noninterest income	$706,000	3,690
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$235,000	4,053
Trading account gains and fees	$0	126
Additional Noninterest Income	$471,000	2,945
Total noninterest expense	$7,555,000	1,760
Salaries and employee benefits	$4,762,000	1,558
Premises and equipment expense	$725,000	2,557
Additional noninterest expense	$2,068,000	1,886
Pre-tax net operating income	$187,000	7,466
Securities gains (losses)	$0	1,388
Applicable income taxes	$20,000	5,961
Income before extraordinary items	$167,000	7,392
Extraordinary gains, net	$0	45
Net income	$167,000	7,395
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	5,412
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$167,000	7,395
2006-06-30 (YTD Data)		Rank
Total interest income	$11,055,000	1,784
Total interest expense	$6,106,000	1,282
Net interest income	$4,949,000	2,345
Provision for loan and lease losses	$162,000	2,467
Total noninterest income	$488,000	3,590
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$162,000	3,986
Trading account gains and fees	$0	126
Additional Noninterest Income	$326,000	2,863
Total noninterest expense	$5,117,000	1,738
Salaries and employee benefits	$3,199,000	1,552
Premises and equipment expense	$492,000	2,504
Additional noninterest expense	$1,426,000	1,835
Pre-tax net operating income	$158,000	7,339
Securities gains (losses)	$0	1,185
Applicable income taxes	$13,000	6,018
Income before extraordinary items	$145,000	7,197
Extraordinary gains, net	$0	39
Net income	$145,000	7,198
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,447
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$145,000	7,211
2006-03-31 (YTD Data)		Rank
Total interest income	$5,422,000	1,771
Total interest expense	$2,913,000	1,281
Net interest income	$2,509,000	2,321
Provision for loan and lease losses	$150,000	1,421
Total noninterest income	$271,000	3,292
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$90,000	3,696
Trading account gains and fees	$0	115
Additional Noninterest Income	$181,000	2,670
Total noninterest expense	$2,601,000	1,721
Salaries and employee benefits	$1,666,000	1,490
Premises and equipment expense	$249,000	2,477
Additional noninterest expense	$686,000	1,906
Pre-tax net operating income	$29,000	7,937
Securities gains (losses)	$0	955
Applicable income taxes	$5,000	6,088
Income before extraordinary items	$24,000	7,923
Extraordinary gains, net	$0	21
Net income	$24,000	7,923
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$24,000	7,919
2005-12-31 (YTD Data)		Rank
Total interest income	$18,693,000	1,804
Total interest expense	$8,298,000	1,370
Net interest income	$10,395,000	2,128
Provision for loan and lease losses	$207,000	3,533
Total noninterest income	$1,340,000	2,889
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$288,000	4,280
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,052,000	2,142
Total noninterest expense	$9,726,000	1,748
Salaries and employee benefits	$5,902,000	1,584
Premises and equipment expense	$1,025,000	2,314
Additional noninterest expense	$2,799,000	1,803
Pre-tax net operating income	$1,802,000	3,955
Securities gains (losses)	$-2,000	7,064
Applicable income taxes	$483,000	3,428
Income before extraordinary items	$1,317,000	4,116
Extraordinary gains, net	$0	46
Net income	$1,317,000	4,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	5,230
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,318,460	4,084
2005-09-30 (YTD Data)		Rank
Total interest income	$13,792,000	1,783
Total interest expense	$5,922,000	1,357
Net interest income	$7,870,000	2,101
Provision for loan and lease losses	$88,000	4,501
Total noninterest income	$1,081,000	2,754
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$213,000	4,334
Trading account gains and fees	$0	126
Additional Noninterest Income	$868,000	2,004
Total noninterest expense	$7,205,000	1,746
Salaries and employee benefits	$4,421,000	1,573
Premises and equipment expense	$773,000	2,289
Additional noninterest expense	$2,011,000	1,853
Pre-tax net operating income	$1,658,000	3,498
Securities gains (losses)	$-2,000	7,438
Applicable income taxes	$474,000	3,040
Income before extraordinary items	$1,182,000	3,696
Extraordinary gains, net	$0	35
Net income	$1,182,000	3,696
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	4,957
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,183,420	3,659
2005-06-30 (YTD Data)		Rank
Total interest income	$9,078,000	1,757
Total interest expense	$3,811,000	1,319
Net interest income	$5,267,000	2,066
Provision for loan and lease losses	$65,000	4,019
Total noninterest income	$791,000	2,560
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$138,000	4,336
Trading account gains and fees	$0	116
Additional Noninterest Income	$653,000	1,822
Total noninterest expense	$4,909,000	1,700
Salaries and employee benefits	$2,957,000	1,567
Premises and equipment expense	$542,000	2,190
Additional noninterest expense	$1,410,000	1,754
Pre-tax net operating income	$1,084,000	3,512
Securities gains (losses)	$-2,000	7,723
Applicable income taxes	$285,000	3,196
Income before extraordinary items	$797,000	3,643
Extraordinary gains, net	$0	30
Net income	$797,000	3,645
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,310
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$798,480	3,595
2005-03-31 (YTD Data)		Rank
Total interest income	$4,519,000	1,729
Total interest expense	$1,863,000	1,277
Net interest income	$2,656,000	2,031
Provision for loan and lease losses	$20,000	4,626
Total noninterest income	$503,000	2,125
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$62,000	4,532
Trading account gains and fees	$0	115
Additional Noninterest Income	$441,000	1,450
Total noninterest expense	$2,449,000	1,715
Salaries and employee benefits	$1,488,000	1,559
Premises and equipment expense	$307,000	1,956
Additional noninterest expense	$654,000	1,877
Pre-tax net operating income	$690,000	2,893
Securities gains (losses)	$-2,000	8,244
Applicable income taxes	$203,000	2,563
Income before extraordinary items	$485,000	3,119
Extraordinary gains, net	$0	24
Net income	$485,000	3,120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	2,822
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$486,400	3,075
2004-12-31 (YTD Data)		Rank
Total interest income	$18,405,000	1,564
Total interest expense	$7,894,000	1,025
Net interest income	$10,511,000	1,933
Provision for loan and lease losses	$48,000	5,981
Total noninterest income	$1,140,000	3,239
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$279,000	4,479
Trading account gains and fees	$0	138
Additional Noninterest Income	$861,000	2,367
Total noninterest expense	$10,141,000	1,601
Salaries and employee benefits	$5,906,000	1,505
Premises and equipment expense	$1,174,000	1,962
Additional noninterest expense	$3,061,000	1,594
Pre-tax net operating income	$1,462,000	4,308
Securities gains (losses)	$41,000	1,887
Applicable income taxes	$270,000	4,346
Income before extraordinary items	$1,233,000	4,141
Extraordinary gains, net	$0	34
Net income	$1,233,000	4,143
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	6,559
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,199,380	4,141
2004-09-30 (YTD Data)		Rank
Total interest income	$13,856,000	1,548
Total interest expense	$6,026,000	989
Net interest income	$7,830,000	1,917
Provision for loan and lease losses	$56,000	5,245
Total noninterest income	$846,000	3,291
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$219,000	4,407
Trading account gains and fees	$0	134
Additional Noninterest Income	$627,000	2,438
Total noninterest expense	$7,742,000	1,574
Salaries and employee benefits	$4,498,000	1,476
Premises and equipment expense	$921,000	1,876
Additional noninterest expense	$2,323,000	1,565
Pre-tax net operating income	$878,000	4,950
Securities gains (losses)	$44,000	1,759
Applicable income taxes	$98,000	5,372
Income before extraordinary items	$824,000	4,541
Extraordinary gains, net	$0	26
Net income	$824,000	4,542
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,478
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$784,840	4,593
2004-06-30 (YTD Data)		Rank
Total interest income	$9,268,000	1,527
Total interest expense	$4,149,000	949
Net interest income	$5,119,000	1,945
Provision for loan and lease losses	$14,000	6,192
Total noninterest income	$572,000	3,281
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$154,000	4,263
Trading account gains and fees	$0	130
Additional Noninterest Income	$418,000	2,442
Total noninterest expense	$5,165,000	1,572
Salaries and employee benefits	$2,943,000	1,505
Premises and equipment expense	$627,000	1,832
Additional noninterest expense	$1,595,000	1,513
Pre-tax net operating income	$512,000	5,252
Securities gains (losses)	$17,000	2,130
Applicable income taxes	$172,000	4,025
Income before extraordinary items	$357,000	5,616
Extraordinary gains, net	$0	21
Net income	$357,000	5,616
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,719
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$345,610	5,627
2004-03-31 (YTD Data)		Rank
Total interest income	$4,721,000	1,504
Total interest expense	$2,254,000	881
Net interest income	$2,467,000	2,023
Provision for loan and lease losses	$-11,000	8,930
Total noninterest income	$292,000	3,171
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$79,000	4,141
Trading account gains and fees	$0	121
Additional Noninterest Income	$213,000	2,370
Total noninterest expense	$2,520,000	1,615
Salaries and employee benefits	$1,465,000	1,518
Premises and equipment expense	$293,000	1,977
Additional noninterest expense	$762,000	1,566
Pre-tax net operating income	$250,000	5,280
Securities gains (losses)	$1,000	2,756
Applicable income taxes	$73,000	4,279
Income before extraordinary items	$178,000	5,622
Extraordinary gains, net	$0	16
Net income	$178,000	5,623
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	3,590
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$177,290	5,505
2003-12-31 (YTD Data)		Rank
Total interest income	$20,861,000	1,363
Total interest expense	$11,083,000	801
Net interest income	$9,778,000	2,008
Provision for loan and lease losses	$51,000	6,233
Total noninterest income	$2,602,000	1,890
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$302,000	4,281
Trading account gains and fees	$0	160
Additional Noninterest Income	$2,300,000	1,320
Total noninterest expense	$9,915,000	1,626
Salaries and employee benefits	$5,235,000	1,645
Premises and equipment expense	$1,198,000	1,909
Additional noninterest expense	$3,482,000	1,405
Pre-tax net operating income	$2,414,000	2,971
Securities gains (losses)	$244,000	1,204
Applicable income taxes	$804,000	2,526
Income before extraordinary items	$1,854,000	3,033
Extraordinary gains, net	$0	54
Net income	$1,854,000	3,032
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	8,615
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,683,200	3,121
2003-09-30 (YTD Data)		Rank
Total interest income	$15,885,000	1,365
Total interest expense	$8,546,000	816
Net interest income	$7,339,000	2,007
Provision for loan and lease losses	$65,000	5,417
Total noninterest income	$1,624,000	2,224
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$224,000	4,333
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,400,000	1,604
Total noninterest expense	$7,310,000	1,655
Salaries and employee benefits	$3,807,000	1,705
Premises and equipment expense	$894,000	1,918
Additional noninterest expense	$2,609,000	1,419
Pre-tax net operating income	$1,588,000	3,402
Securities gains (losses)	$146,000	1,440
Applicable income taxes	$512,000	2,980
Income before extraordinary items	$1,222,000	3,451
Extraordinary gains, net	$0	40
Net income	$1,222,000	3,450
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	8,535
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,119,800	3,520
2003-06-30 (YTD Data)		Rank
Total interest income	$10,845,000	1,350
Total interest expense	$5,843,000	821
Net interest income	$5,002,000	1,952
Provision for loan and lease losses	$-6,000	9,084
Total noninterest income	$1,393,000	1,824
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$144,000	4,389
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,249,000	1,294
Total noninterest expense	$4,787,000	1,679
Salaries and employee benefits	$2,418,000	1,781
Premises and equipment expense	$595,000	1,917
Additional noninterest expense	$1,774,000	1,395
Pre-tax net operating income	$1,614,000	2,445
Securities gains (losses)	$107,000	1,456
Applicable income taxes	$625,000	1,984
Income before extraordinary items	$1,096,000	2,776
Extraordinary gains, net	$0	30
Net income	$1,096,000	2,775
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	8,495
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,027,520	2,760
2003-03-31 (YTD Data)		Rank
Total interest income	$5,561,000	1,317
Total interest expense	$3,031,000	816
Net interest income	$2,530,000	1,933
Provision for loan and lease losses	$-9,000	9,187
Total noninterest income	$504,000	2,271
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$70,000	4,383
Trading account gains and fees	$0	134
Additional Noninterest Income	$434,000	1,639
Total noninterest expense	$2,251,000	1,753
Salaries and employee benefits	$1,011,000	2,092
Premises and equipment expense	$314,000	1,819
Additional noninterest expense	$926,000	1,310
Pre-tax net operating income	$792,000	2,498
Securities gains (losses)	$62,000	1,269
Applicable income taxes	$306,000	2,023
Income before extraordinary items	$548,000	2,749
Extraordinary gains, net	$0	21
Net income	$548,000	2,746
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	8,512
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$508,320	2,772
2002-12-31 (YTD Data)		Rank
Total interest income	$24,672,000	1,248
Total interest expense	$14,067,000	793
Net interest income	$10,605,000	1,829
Provision for loan and lease losses	$-149,000	9,284
Total noninterest income	$1,193,000	3,088
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$271,000	4,484
Trading account gains and fees	$0	153
Additional Noninterest Income	$922,000	2,294
Total noninterest expense	$9,271,000	1,651
Salaries and employee benefits	$5,255,000	1,541
Premises and equipment expense	$1,039,000	2,105
Additional noninterest expense	$2,977,000	1,585
Pre-tax net operating income	$2,676,000	2,749
Securities gains (losses)	$6,000	3,879
Applicable income taxes	$1,106,000	2,057
Income before extraordinary items	$1,576,000	3,375
Extraordinary gains, net	$0	70
Net income	$1,576,000	3,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-64,000	9,184
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,572,160	3,275
2001-12-31 (YTD Data)		Rank
Total interest income	$25,557,000	1,333
Total interest expense	$16,431,000	974
Net interest income	$9,126,000	1,951
Provision for loan and lease losses	$128,000	5,093
Total noninterest income	$2,186,000	1,880
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$209,000	5,058
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,977,000	1,259
Total noninterest expense	$7,842,000	1,843
Salaries and employee benefits	$4,286,000	1,753
Premises and equipment expense	$903,000	2,353
Additional noninterest expense	$2,653,000	1,726
Pre-tax net operating income	$3,342,000	2,057
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,459,000	1,524
Income before extraordinary items	$1,883,000	2,678
Extraordinary gains, net	$0	105
Net income	$1,883,000	2,683
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	6,614
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,883,000	2,595
2000-12-31 (YTD Data)		Rank
Total interest income	$24,282,000	1,434
Total interest expense	$15,297,000	1,136
Net interest income	$8,985,000	1,963
Provision for loan and lease losses	$44,000	6,751
Total noninterest income	$130,000	8,172
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$169,000	5,497
Trading account gains and fees	$0	180
Additional Noninterest Income	$-39,000	9,915
Total noninterest expense	$5,999,000	2,281
Salaries and employee benefits	$3,021,000	2,373
Premises and equipment expense	$609,000	3,227
Additional noninterest expense	$2,369,000	1,859
Pre-tax net operating income	$3,072,000	2,346
Securities gains (losses)	$15,000	1,035
Applicable income taxes	$815,000	2,488
Income before extraordinary items	$2,272,000	2,272
Extraordinary gains, net	$0	38
Net income	$2,272,000	2,272
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	$0	969
Net operating income	$2,260,900	2,289
1999-12-31 (YTD Data)		Rank
Total interest income	$21,362,000	1,531
Total interest expense	$12,870,000	1,182
Net interest income	$8,492,000	2,077
Provision for loan and lease losses	$190,000	3,663
Total noninterest income	$1,373,000	2,442
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$141,000	6,001
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,232,000	1,603
Total noninterest expense	$6,192,000	2,207
Salaries and employee benefits	$3,259,000	2,154
Premises and equipment expense	$475,000	3,951
Additional noninterest expense	$2,458,000	1,799
Pre-tax net operating income	$3,483,000	2,103
Securities gains (losses)	$-653,000	10,122
Applicable income taxes	$660,000	3,018
Income before extraordinary items	$2,170,000	2,402
Extraordinary gains, net	$0	35
Net income	$2,170,000	2,402
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	9,384
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,672,810	1,945
1998-12-31 (YTD Data)		Rank
Total interest income	$19,180,000	1,692
Total interest expense	$11,472,000	1,352
Net interest income	$7,708,000	2,216
Provision for loan and lease losses	$46,000	6,765
Total noninterest income	$1,113,000	2,854
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$145,000	6,016
Trading account gains and fees	$0	224
Additional Noninterest Income	$968,000	1,901
Total noninterest expense	$5,035,000	2,597
Salaries and employee benefits	$2,946,000	2,290
Premises and equipment expense	$468,000	3,890
Additional noninterest expense	$1,621,000	2,585
Pre-tax net operating income	$3,740,000	1,947
Securities gains (losses)	$5,000	3,437
Applicable income taxes	$1,305,000	1,842
Income before extraordinary items	$2,440,000	2,137
Extraordinary gains, net	$0	32
Net income	$2,440,000	2,135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	6,871
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$2,436,750	2,074
1997-12-31 (YTD Data)		Rank
Total interest income	$17,855,000	1,847
Total interest expense	$10,376,000	1,498
Net interest income	$7,479,000	2,339
Provision for loan and lease losses	$76,000	5,749
Total noninterest income	$815,000	3,528
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$148,000	6,194
Trading account gains and fees	$0	239
Additional Noninterest Income	$667,000	2,289
Total noninterest expense	$4,504,000	2,816
Salaries and employee benefits	$2,999,000	2,206
Premises and equipment expense	$466,000	3,932
Additional noninterest expense	$1,039,000	3,758
Pre-tax net operating income	$3,714,000	2,025
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$1,552,000	1,664
Income before extraordinary items	$2,163,000	2,403
Extraordinary gains, net	$0	44
Net income	$2,163,000	2,402
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$163,000	2,891
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,162,360	2,347
1996-12-31 (YTD Data)		Rank
Total interest income	$17,334,000	1,950
Total interest expense	$9,844,000	1,611
Net interest income	$7,490,000	2,398
Provision for loan and lease losses	$66,000	5,953
Total noninterest income	$582,000	4,662
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$180,000	5,903
Trading account gains and fees	$0	262
Additional Noninterest Income	$402,000	3,393
Total noninterest expense	$4,812,000	2,839
Salaries and employee benefits	$2,658,000	2,507
Premises and equipment expense	$485,000	3,871
Additional noninterest expense	$1,669,000	2,852
Pre-tax net operating income	$3,194,000	2,238
Securities gains (losses)	$-3,000	9,684
Applicable income taxes	$1,022,000	2,313
Income before extraordinary items	$2,169,000	2,273
Extraordinary gains, net	$0	53
Net income	$2,169,000	2,273
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	4,343
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$2,171,040	2,224
1995-12-31 (YTD Data)		Rank
Total interest income	$16,100,000	2,088
Total interest expense	$9,091,000	1,749
Net interest income	$7,009,000	2,557
Provision for loan and lease losses	$22,000	7,572
Total noninterest income	$413,000	5,869
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$192,000	5,831
Trading account gains and fees	$0	522
Additional Noninterest Income	$221,000	4,838
Total noninterest expense	$4,571,000	2,944
Salaries and employee benefits	$2,542,000	2,636
Premises and equipment expense	$441,000	4,174
Additional noninterest expense	$1,588,000	2,950
Pre-tax net operating income	$2,829,000	2,548
Securities gains (losses)	$-11,000	10,162
Applicable income taxes	$1,093,000	2,202
Income before extraordinary items	$1,725,000	2,860
Extraordinary gains, net	$0	65
Net income	$1,725,000	2,858
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	10,724
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,732,040	2,806
1994-12-31 (YTD Data)		Rank
Total interest income	$13,710,000	2,233
Total interest expense	$6,574,000	1,896
Net interest income	$7,136,000	2,528
Provision for loan and lease losses	$139,000	3,781
Total noninterest income	$498,000	5,308
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$240,000	5,195
Trading account gains and fees	$0	475
Additional Noninterest Income	$258,000	4,494
Total noninterest expense	$4,576,000	3,008
Salaries and employee benefits	$2,342,000	2,826
Premises and equipment expense	$415,000	4,437
Additional noninterest expense	$1,819,000	2,800
Pre-tax net operating income	$2,919,000	2,433
Securities gains (losses)	$0	3,600
Applicable income taxes	$1,073,000	2,085
Income before extraordinary items	$1,846,000	2,630
Extraordinary gains, net	$0	249
Net income	$1,846,000	2,630
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,413
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,846,000	2,650
1993-12-31 (YTD Data)		Rank
Total interest income	$14,454,000	2,153
Total interest expense	$7,057,000	1,845
Net interest income	$7,397,000	2,427
Provision for loan and lease losses	$12,000	9,545
Total noninterest income	$857,000	3,777
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$247,000	5,169
Trading account gains and fees	$0	532
Additional Noninterest Income	$610,000	2,861
Total noninterest expense	$4,080,000	3,433
Salaries and employee benefits	$2,056,000	3,197
Premises and equipment expense	$404,000	4,673
Additional noninterest expense	$1,620,000	3,277
Pre-tax net operating income	$4,162,000	1,661
Securities gains (losses)	$140,000	2,061
Applicable income taxes	$1,796,000	1,333
Income before extraordinary items	$2,506,000	1,993
Extraordinary gains, net	$0	3,149
Net income	$2,506,000	2,067
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	8,917
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,416,400	1,939
1992-12-31 (YTD Data)		Rank
Total interest income	$16,043,000	2,206
Total interest expense	$9,021,000	1,879
Net interest income	$7,022,000	2,581
Provision for loan and lease losses	$229,000	4,869
Total noninterest income	$424,000	6,321
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$213,000	5,752
Trading account gains and fees	$0	504
Additional Noninterest Income	$211,000	5,489
Total noninterest expense	$3,793,000	3,666
Salaries and employee benefits	$2,106,000	3,068
Premises and equipment expense	$356,000	5,305
Additional noninterest expense	$1,331,000	3,958
Pre-tax net operating income	$3,424,000	1,810
Securities gains (losses)	$43,000	4,369
Applicable income taxes	$1,449,000	1,486
Income before extraordinary items	$2,018,000	2,273
Extraordinary gains, net	$0	1,422
Net income	$2,018,000	2,305
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	6,521
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,990,480	2,133

* 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.