Home > 1st Constitution Bank > Income and Expense

1st Constitution Bank, Income and Expense

2021-12-31 (YTD Data)		Rank
Total interest income	$64,460,000	537
Total interest expense	$5,294,000	514
Net interest income	$59,166,000	539
Provision for loan and lease losses	$2,100,000	270
Total noninterest income	$14,077,000	670
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$771,000	1,166
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,306,000	548
Total noninterest expense	$43,067,000	614
Salaries and employee benefits	$26,296,000	562
Premises and equipment expense	$6,160,000	448
Additional noninterest expense	$10,611,000	733
Pre-tax net operating income	$28,076,000	577
Securities gains (losses)	$186,000	636
Applicable income taxes	$7,699,000	464
Income before extraordinary items	$20,563,000	635
Extraordinary gains, net	$0	10
Net income	$20,563,000	635
Minority interest net income	$0	74
Net income of bank and minority interests.	$20,563,000	636
Net charge-offs	$1,060,000	402
Cash dividends	$4,318,000	891
Sale, conversion, retirement of capital stock, net	$1,077,000	221
Net operating income	$20,416,060	626
2021-09-30 (YTD Data)		Rank
Total interest income	$48,929,000	537
Total interest expense	$4,155,000	513
Net interest income	$44,774,000	539
Provision for loan and lease losses	$2,600,000	153
Total noninterest income	$11,476,000	646
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$573,000	1,173
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,903,000	539
Total noninterest expense	$32,239,000	614
Salaries and employee benefits	$20,034,000	552
Premises and equipment expense	$4,657,000	450
Additional noninterest expense	$7,548,000	763
Pre-tax net operating income	$21,411,000	590
Securities gains (losses)	$6,000	1,729
Applicable income taxes	$5,710,000	482
Income before extraordinary items	$15,707,000	631
Extraordinary gains, net	$0	8
Net income	$15,707,000	631
Minority interest net income	$0	69
Net income of bank and minority interests.	$15,707,000	631
Net charge-offs	$1,081,000	315
Cash dividends	$3,210,000	813
Sale, conversion, retirement of capital stock, net	$832,000	201
Net operating income	$15,702,260	627
2021-06-30 (YTD Data)		Rank
Total interest income	$32,825,000	529
Total interest expense	$2,940,000	508
Net interest income	$29,885,000	526
Provision for loan and lease losses	$2,000,000	145
Total noninterest income	$7,657,000	653
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$374,000	1,159
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,283,000	543
Total noninterest expense	$21,480,000	604
Salaries and employee benefits	$13,411,000	549
Premises and equipment expense	$3,139,000	448
Additional noninterest expense	$4,930,000	775
Pre-tax net operating income	$14,062,000	584
Securities gains (losses)	$4,000	1,607
Applicable income taxes	$3,853,000	479
Income before extraordinary items	$10,213,000	649
Extraordinary gains, net	$0	6
Net income	$10,213,000	649
Minority interest net income	$0	67
Net income of bank and minority interests.	$10,213,000	649
Net charge-offs	$716,000	322
Cash dividends	$2,107,000	809
Sale, conversion, retirement of capital stock, net	$573,000	170
Net operating income	$10,209,840	639
2021-03-31 (YTD Data)		Rank
Total interest income	$16,961,000	510
Total interest expense	$1,598,000	500
Net interest income	$15,363,000	512
Provision for loan and lease losses	$1,400,000	133
Total noninterest income	$4,001,000	630
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$185,000	1,166
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,816,000	542
Total noninterest expense	$11,027,000	592
Salaries and employee benefits	$6,952,000	529
Premises and equipment expense	$1,669,000	423
Additional noninterest expense	$2,406,000	773
Pre-tax net operating income	$6,937,000	594
Securities gains (losses)	$2,000	1,277
Applicable income taxes	$1,944,000	473
Income before extraordinary items	$4,995,000	664
Extraordinary gains, net	$0	3
Net income	$4,995,000	664
Minority interest net income	$0	55
Net income of bank and minority interests.	$4,995,000	664
Net charge-offs	$-3,000	3,553
Cash dividends	$1,001,000	737
Sale, conversion, retirement of capital stock, net	$271,000	163
Net operating income	$4,993,420	649
2020-12-31 (YTD Data)		Rank
Total interest income	$69,146,000	504
Total interest expense	$10,209,000	491
Net interest income	$58,937,000	503
Provision for loan and lease losses	$6,698,000	467
Total noninterest income	$14,242,000	638
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$892,000	1,047
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,350,000	534
Total noninterest expense	$41,455,000	598
Salaries and employee benefits	$26,681,000	537
Premises and equipment expense	$6,115,000	443
Additional noninterest expense	$8,659,000	830
Pre-tax net operating income	$25,026,000	488
Securities gains (losses)	$101,000	1,381
Applicable income taxes	$6,698,000	403
Income before extraordinary items	$18,429,000	556
Extraordinary gains, net	$0	4
Net income	$18,429,000	556
Minority interest net income	$0	72
Net income of bank and minority interests.	$18,429,000	556
Net charge-offs	$328,000	1,232
Cash dividends	$4,127,000	881
Sale, conversion, retirement of capital stock, net	$1,132,000	195
Net operating income	$18,349,210	542
2020-09-30 (YTD Data)		Rank
Total interest income	$50,822,000	509
Total interest expense	$8,337,000	486
Net interest income	$42,485,000	510
Provision for loan and lease losses	$5,340,000	481
Total noninterest income	$9,968,000	642
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$686,000	1,020
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,282,000	539
Total noninterest expense	$30,366,000	598
Salaries and employee benefits	$19,276,000	543
Premises and equipment expense	$4,582,000	443
Additional noninterest expense	$6,508,000	810
Pre-tax net operating income	$16,747,000	510
Securities gains (losses)	$97,000	1,231
Applicable income taxes	$4,548,000	399
Income before extraordinary items	$12,296,000	588
Extraordinary gains, net	$0	4
Net income	$12,296,000	587
Minority interest net income	$0	65
Net income of bank and minority interests.	$12,296,000	588
Net charge-offs	$161,000	1,379
Cash dividends	$3,124,000	787
Sale, conversion, retirement of capital stock, net	$856,000	168
Net operating income	$12,219,370	567
2020-06-30 (YTD Data)		Rank
Total interest income	$33,114,000	523
Total interest expense	$6,072,000	490
Net interest income	$27,042,000	531
Provision for loan and lease losses	$3,020,000	552
Total noninterest income	$5,389,000	686
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$480,000	987
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,909,000	578
Total noninterest expense	$19,481,000	630
Salaries and employee benefits	$12,169,000	564
Premises and equipment expense	$3,048,000	443
Additional noninterest expense	$4,264,000	819
Pre-tax net operating income	$9,930,000	515
Securities gains (losses)	$18,000	1,714
Applicable income taxes	$2,633,000	401
Income before extraordinary items	$7,315,000	593
Extraordinary gains, net	$0	4
Net income	$7,315,000	592
Minority interest net income	$0	65
Net income of bank and minority interests.	$7,315,000	593
Net charge-offs	$165,000	1,111
Cash dividends	$2,113,000	773
Sale, conversion, retirement of capital stock, net	$582,000	152
Net operating income	$7,300,780	567
2020-03-31 (YTD Data)		Rank
Total interest income	$16,388,000	536
Total interest expense	$3,300,000	507
Net interest income	$13,088,000	533
Provision for loan and lease losses	$895,000	658
Total noninterest income	$2,377,000	730
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$280,000	1,011
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,097,000	578
Total noninterest expense	$9,721,000	627
Salaries and employee benefits	$6,168,000	555
Premises and equipment expense	$1,511,000	448
Additional noninterest expense	$2,042,000	844
Pre-tax net operating income	$4,849,000	489
Securities gains (losses)	$8,000	1,366
Applicable income taxes	$1,316,000	362
Income before extraordinary items	$3,541,000	553
Extraordinary gains, net	$0	4
Net income	$3,541,000	553
Minority interest net income	$0	56
Net income of bank and minority interests.	$3,541,000	553
Net charge-offs	$165,000	692
Cash dividends	$1,083,000	772
Sale, conversion, retirement of capital stock, net	$291,000	147
Net operating income	$3,534,680	535
2019-12-31 (YTD Data)		Rank
Total interest income	$60,090,000	584
Total interest expense	$12,006,000	588
Net interest income	$48,084,000	588
Provision for loan and lease losses	$1,350,000	723
Total noninterest income	$7,905,000	823
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$931,000	1,183
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,974,000	663
Total noninterest expense	$35,247,000	672
Salaries and employee benefits	$21,301,000	619
Premises and equipment expense	$5,085,000	519
Additional noninterest expense	$8,861,000	778
Pre-tax net operating income	$19,392,000	628
Securities gains (losses)	$30,000	1,474
Applicable income taxes	$5,195,000	499
Income before extraordinary items	$14,227,000	698
Extraordinary gains, net	$0	11
Net income	$14,227,000	700
Minority interest net income	$0	76
Net income of bank and minority interests.	$14,227,000	699
Net charge-offs	$481,000	1,057
Cash dividends	$3,350,000	1,100
Sale, conversion, retirement of capital stock, net	$1,086,000	206
Net operating income	$14,203,300	685
2019-09-30 (YTD Data)		Rank
Total interest income	$43,342,000	614
Total interest expense	$8,590,000	618
Net interest income	$34,752,000	607
Provision for loan and lease losses	$1,050,000	660
Total noninterest income	$5,995,000	816
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$686,000	1,203
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,309,000	664
Total noninterest expense	$24,864,000	710
Salaries and employee benefits	$15,472,000	636
Premises and equipment expense	$3,696,000	534
Additional noninterest expense	$5,696,000	886
Pre-tax net operating income	$14,833,000	626
Securities gains (losses)	$16,000	1,515
Applicable income taxes	$4,001,000	496
Income before extraordinary items	$10,848,000	694
Extraordinary gains, net	$0	11
Net income	$10,848,000	696
Minority interest net income	$0	72
Net income of bank and minority interests.	$10,848,000	695
Net charge-offs	$475,000	787
Cash dividends	$2,541,000	995
Sale, conversion, retirement of capital stock, net	$833,000	183
Net operating income	$10,835,360	686
2019-06-30 (YTD Data)		Rank
Total interest income	$28,468,000	615
Total interest expense	$5,418,000	637
Net interest income	$23,050,000	610
Provision for loan and lease losses	$700,000	645
Total noninterest income	$3,881,000	814
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$447,000	1,212
Trading account gains and fees	$0	131
Additional Noninterest Income	$3,434,000	664
Total noninterest expense	$16,505,000	714
Salaries and employee benefits	$10,239,000	645
Premises and equipment expense	$2,478,000	538
Additional noninterest expense	$3,788,000	900
Pre-tax net operating income	$9,726,000	616
Securities gains (losses)	$0	1,702
Applicable income taxes	$2,648,000	488
Income before extraordinary items	$7,078,000	691
Extraordinary gains, net	$0	11
Net income	$7,078,000	691
Minority interest net income	$0	69
Net income of bank and minority interests.	$7,078,000	691
Net charge-offs	$461,000	608
Cash dividends	$1,700,000	993
Sale, conversion, retirement of capital stock, net	$565,000	164
Net operating income	$7,078,000	680
2019-03-31 (YTD Data)		Rank
Total interest income	$13,915,000	624
Total interest expense	$2,490,000	676
Net interest income	$11,425,000	616
Provision for loan and lease losses	$300,000	677
Total noninterest income	$1,790,000	842
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$224,000	1,211
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,566,000	674
Total noninterest expense	$8,018,000	728
Salaries and employee benefits	$4,963,000	660
Premises and equipment expense	$1,271,000	525
Additional noninterest expense	$1,784,000	936
Pre-tax net operating income	$4,897,000	599
Securities gains (losses)	$0	1,087
Applicable income taxes	$1,343,000	480
Income before extraordinary items	$3,554,000	676
Extraordinary gains, net	$0	5
Net income	$3,554,000	676
Minority interest net income	$0	52
Net income of bank and minority interests.	$3,554,000	675
Net charge-offs	$-2,000	4,062
Cash dividends	$847,000	939
Sale, conversion, retirement of capital stock, net	$269,000	146
Net operating income	$3,554,000	665
2018-12-31 (YTD Data)		Rank
Total interest income	$51,473,000	627
Total interest expense	$7,347,000	677
Net interest income	$44,126,000	628
Provision for loan and lease losses	$900,000	959
Total noninterest income	$7,622,000	839
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$887,000	1,261
Trading account gains and fees	$0	126
Additional Noninterest Income	$6,735,000	669
Total noninterest expense	$33,801,000	669
Salaries and employee benefits	$19,797,000	631
Premises and equipment expense	$4,516,000	559
Additional noninterest expense	$9,488,000	738
Pre-tax net operating income	$17,047,000	671
Securities gains (losses)	$12,000	676
Applicable income taxes	$4,463,000	512
Income before extraordinary items	$12,596,000	744
Extraordinary gains, net	$0	6
Net income	$12,596,000	743
Minority interest net income	$0	72
Net income of bank and minority interests.	$12,596,000	743
Net charge-offs	$511,000	944
Cash dividends	$2,830,000	1,139
Sale, conversion, retirement of capital stock, net	$1,019,000	225
Net operating income	$12,586,520	745
2018-09-30 (YTD Data)		Rank
Total interest income	$37,719,000	632
Total interest expense	$5,118,000	680
Net interest income	$32,601,000	630
Provision for loan and lease losses	$675,000	885
Total noninterest income	$6,070,000	805
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$663,000	1,279
Trading account gains and fees	$0	138
Additional Noninterest Income	$5,407,000	646
Total noninterest expense	$25,790,000	659
Salaries and employee benefits	$14,657,000	641
Premises and equipment expense	$3,446,000	554
Additional noninterest expense	$7,687,000	672
Pre-tax net operating income	$12,206,000	702
Securities gains (losses)	$12,000	667
Applicable income taxes	$3,082,000	551
Income before extraordinary items	$9,136,000	776
Extraordinary gains, net	$0	5
Net income	$9,136,000	775
Minority interest net income	$0	66
Net income of bank and minority interests.	$9,136,000	775
Net charge-offs	$423,000	800
Cash dividends	$2,012,000	1,062
Sale, conversion, retirement of capital stock, net	$759,000	212
Net operating income	$9,126,520	774
2018-06-30 (YTD Data)		Rank
Total interest income	$23,936,000	654
Total interest expense	$2,915,000	733
Net interest income	$21,021,000	653
Provision for loan and lease losses	$450,000	888
Total noninterest income	$3,916,000	824
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$427,000	1,309
Trading account gains and fees	$0	130
Additional Noninterest Income	$3,489,000	661
Total noninterest expense	$17,896,000	636
Salaries and employee benefits	$9,757,000	640
Premises and equipment expense	$2,242,000	569
Additional noninterest expense	$5,897,000	581
Pre-tax net operating income	$6,591,000	816
Securities gains (losses)	$12,000	565
Applicable income taxes	$1,623,000	633
Income before extraordinary items	$4,980,000	909
Extraordinary gains, net	$0	6
Net income	$4,980,000	907
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,980,000	908
Net charge-offs	$-35,000	4,922
Cash dividends	$1,316,000	1,072
Sale, conversion, retirement of capital stock, net	$506,000	194
Net operating income	$4,970,520	901
2018-03-31 (YTD Data)		Rank
Total interest income	$11,055,000	692
Total interest expense	$1,226,000	805
Net interest income	$9,829,000	679
Provision for loan and lease losses	$225,000	854
Total noninterest income	$1,879,000	822
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$252,000	1,166
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,627,000	672
Total noninterest expense	$7,645,000	738
Salaries and employee benefits	$4,713,000	681
Premises and equipment expense	$813,000	781
Additional noninterest expense	$2,119,000	781
Pre-tax net operating income	$3,838,000	703
Securities gains (losses)	$6,000	514
Applicable income taxes	$892,000	585
Income before extraordinary items	$2,952,000	760
Extraordinary gains, net	$0	7
Net income	$2,952,000	760
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,952,000	760
Net charge-offs	$-59,000	5,278
Cash dividends	$636,000	1,008
Sale, conversion, retirement of capital stock, net	$237,000	179
Net operating income	$2,947,260	759
2017-12-31 (YTD Data)		Rank
Total interest income	$41,663,000	689
Total interest expense	$4,979,000	681
Net interest income	$36,684,000	690
Provision for loan and lease losses	$600,000	1,276
Total noninterest income	$8,111,000	802
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,014,000	1,178
Trading account gains and fees	$0	151
Additional Noninterest Income	$7,097,000	657
Total noninterest expense	$31,006,000	707
Salaries and employee benefits	$18,731,000	652
Premises and equipment expense	$3,318,000	748
Additional noninterest expense	$8,957,000	751
Pre-tax net operating income	$13,189,000	773
Securities gains (losses)	$128,000	536
Applicable income taxes	$6,047,000	586
Income before extraordinary items	$7,270,000	987
Extraordinary gains, net	$0	9
Net income	$7,270,000	987
Minority interest net income	$0	76
Net income of bank and minority interests.	$7,270,000	987
Net charge-offs	$81,000	2,623
Cash dividends	$1,826,000	1,518
Sale, conversion, retirement of capital stock, net	$1,245,000	203
Net operating income	$7,188,080	987
2017-09-30 (YTD Data)		Rank
Total interest income	$30,472,000	705
Total interest expense	$3,700,000	673
Net interest income	$26,772,000	713
Provision for loan and lease losses	$450,000	1,230
Total noninterest income	$6,156,000	803
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$758,000	1,190
Trading account gains and fees	$0	145
Additional Noninterest Income	$5,398,000	653
Total noninterest expense	$22,952,000	717
Salaries and employee benefits	$13,626,000	673
Premises and equipment expense	$3,233,000	582
Additional noninterest expense	$6,093,000	812
Pre-tax net operating income	$9,526,000	815
Securities gains (losses)	$128,000	495
Applicable income taxes	$3,049,000	678
Income before extraordinary items	$6,605,000	892
Extraordinary gains, net	$0	9
Net income	$6,605,000	893
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,605,000	892
Net charge-offs	$142,000	1,653
Cash dividends	$1,193,000	1,536
Sale, conversion, retirement of capital stock, net	$860,000	201
Net operating income	$6,517,960	893
2017-06-30 (YTD Data)		Rank
Total interest income	$20,541,000	697
Total interest expense	$2,383,000	673
Net interest income	$18,158,000	698
Provision for loan and lease losses	$300,000	1,177
Total noninterest income	$4,063,000	804
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$593,000	1,010
Trading account gains and fees	$0	139
Additional Noninterest Income	$3,470,000	664
Total noninterest expense	$16,218,000	678
Salaries and employee benefits	$10,009,000	603
Premises and equipment expense	$2,147,000	577
Additional noninterest expense	$4,062,000	815
Pre-tax net operating income	$5,703,000	882
Securities gains (losses)	$105,000	423
Applicable income taxes	$1,777,000	726
Income before extraordinary items	$4,031,000	961
Extraordinary gains, net	$0	11
Net income	$4,031,000	962
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,031,000	961
Net charge-offs	$87,000	1,624
Cash dividends	$1,056,000	1,250
Sale, conversion, retirement of capital stock, net	$596,000	185
Net operating income	$3,958,550	969
2017-03-31 (YTD Data)		Rank
Total interest income	$9,936,000	712
Total interest expense	$1,169,000	669
Net interest income	$8,767,000	720
Provision for loan and lease losses	$150,000	1,115
Total noninterest income	$2,298,000	723
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$262,000	1,147
Trading account gains and fees	$0	142
Additional Noninterest Income	$2,036,000	577
Total noninterest expense	$8,100,000	686
Salaries and employee benefits	$4,923,000	626
Premises and equipment expense	$1,102,000	579
Additional noninterest expense	$2,075,000	782
Pre-tax net operating income	$2,815,000	871
Securities gains (losses)	$105,000	231
Applicable income taxes	$892,000	713
Income before extraordinary items	$2,028,000	931
Extraordinary gains, net	$0	8
Net income	$2,028,000	932
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,028,000	931
Net charge-offs	$94,000	968
Cash dividends	$522,000	1,169
Sale, conversion, retirement of capital stock, net	$235,000	172
Net operating income	$1,955,550	951
2016-12-31 (YTD Data)		Rank
Total interest income	$40,862,000	665
Total interest expense	$4,731,000	635
Net interest income	$36,131,000	664
Provision for loan and lease losses	$-300,000	5,678
Total noninterest income	$6,889,000	913
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$1,137,000	1,081
Trading account gains and fees	$0	170
Additional Noninterest Income	$5,752,000	758
Total noninterest expense	$28,985,000	739
Salaries and employee benefits	$18,202,000	648
Premises and equipment expense	$4,254,000	584
Additional noninterest expense	$6,529,000	1,004
Pre-tax net operating income	$14,335,000	667
Securities gains (losses)	$0	3,212
Applicable income taxes	$4,769,000	572
Income before extraordinary items	$9,566,000	792
Extraordinary gains, net	$0	5
Net income	$9,566,000	792
Minority interest net income	$0	82
Net income of bank and minority interests.	$9,566,000	791
Net charge-offs	$-234,000	5,677
Cash dividends	$435,000	3,125
Sale, conversion, retirement of capital stock, net	$48,000	589
Net operating income	$9,566,000	766
2016-09-30 (YTD Data)		Rank
Total interest income	$30,404,000	666
Total interest expense	$3,394,000	654
Net interest income	$27,010,000	662
Provision for loan and lease losses	$-300,000	5,808
Total noninterest income	$4,892,000	954
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$880,000	1,046
Trading account gains and fees	$0	169
Additional Noninterest Income	$4,012,000	794
Total noninterest expense	$21,045,000	767
Salaries and employee benefits	$13,138,000	675
Premises and equipment expense	$3,133,000	591
Additional noninterest expense	$4,774,000	1,037
Pre-tax net operating income	$11,157,000	650
Securities gains (losses)	$0	3,160
Applicable income taxes	$3,722,000	562
Income before extraordinary items	$7,435,000	769
Extraordinary gains, net	$0	5
Net income	$7,435,000	770
Minority interest net income	$0	71
Net income of bank and minority interests.	$7,435,000	769
Net charge-offs	$-226,000	5,750
Cash dividends	$318,000	2,835
Sale, conversion, retirement of capital stock, net	$148,000	380
Net operating income	$7,435,000	748
2016-06-30 (YTD Data)		Rank
Total interest income	$19,563,000	684
Total interest expense	$2,239,000	661
Net interest income	$17,324,000	689
Provision for loan and lease losses	$-300,000	5,926
Total noninterest income	$3,132,000	967
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$600,000	1,007
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,532,000	820
Total noninterest expense	$13,856,000	767
Salaries and employee benefits	$8,547,000	695
Premises and equipment expense	$2,071,000	597
Additional noninterest expense	$3,238,000	1,014
Pre-tax net operating income	$6,900,000	677
Securities gains (losses)	$0	2,835
Applicable income taxes	$2,230,000	602
Income before extraordinary items	$4,670,000	800
Extraordinary gains, net	$0	16
Net income	$4,670,000	799
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,670,000	799
Net charge-offs	$-222,000	5,864
Cash dividends	$209,000	2,819
Sale, conversion, retirement of capital stock, net	$377,000	201
Net operating income	$4,670,000	775
2016-03-31 (YTD Data)		Rank
Total interest income	$9,694,000	691
Total interest expense	$1,087,000	677
Net interest income	$8,607,000	695
Provision for loan and lease losses	$-200,000	6,017
Total noninterest income	$1,594,000	917
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$307,000	981
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,287,000	787
Total noninterest expense	$7,032,000	752
Salaries and employee benefits	$4,256,000	696
Premises and equipment expense	$1,050,000	602
Additional noninterest expense	$1,726,000	949
Pre-tax net operating income	$3,369,000	683
Securities gains (losses)	$0	2,077
Applicable income taxes	$1,082,000	604
Income before extraordinary items	$2,287,000	803
Extraordinary gains, net	$0	12
Net income	$2,287,000	801
Minority interest net income	$0	62
Net income of bank and minority interests.	$2,287,000	803
Net charge-offs	$58,000	1,342
Cash dividends	$101,000	2,364
Sale, conversion, retirement of capital stock, net	$169,000	202
Net operating income	$2,287,000	775
2015-12-31 (YTD Data)		Rank
Total interest income	$40,944,000	625
Total interest expense	$4,280,000	655
Net interest income	$36,664,000	625
Provision for loan and lease losses	$1,100,000	753
Total noninterest income	$5,309,000	1,080
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$895,000	1,344
Trading account gains and fees	$0	159
Additional Noninterest Income	$4,414,000	879
Total noninterest expense	$27,792,000	746
Salaries and employee benefits	$15,952,000	714
Premises and equipment expense	$4,370,000	564
Additional noninterest expense	$7,470,000	875
Pre-tax net operating income	$13,081,000	687
Securities gains (losses)	$0	3,216
Applicable income taxes	$4,184,000	596
Income before extraordinary items	$8,897,000	810
Extraordinary gains, net	$0	23
Net income	$8,897,000	810
Minority interest net income	$0	81
Net income of bank and minority interests.	$8,897,000	810
Net charge-offs	$465,000	1,227
Cash dividends	$364,000	3,240
Sale, conversion, retirement of capital stock, net	$594,000	290
Net operating income	$8,897,000	797
2015-09-30 (YTD Data)		Rank
Total interest income	$31,082,000	626
Total interest expense	$3,203,000	659
Net interest income	$27,879,000	619
Provision for loan and lease losses	$600,000	892
Total noninterest income	$4,221,000	1,043
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$674,000	1,348
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,547,000	856
Total noninterest expense	$20,886,000	748
Salaries and employee benefits	$11,997,000	726
Premises and equipment expense	$3,328,000	568
Additional noninterest expense	$5,561,000	884
Pre-tax net operating income	$10,614,000	665
Securities gains (losses)	$0	3,031
Applicable income taxes	$3,404,000	584
Income before extraordinary items	$7,210,000	771
Extraordinary gains, net	$0	21
Net income	$7,210,000	769
Minority interest net income	$0	78
Net income of bank and minority interests.	$7,210,000	771
Net charge-offs	$393,000	1,023
Cash dividends	$271,000	2,899
Sale, conversion, retirement of capital stock, net	$337,000	294
Net operating income	$7,210,000	752
2015-06-30 (YTD Data)		Rank
Total interest income	$20,250,000	636
Total interest expense	$2,123,000	660
Net interest income	$18,127,000	632
Provision for loan and lease losses	$500,000	753
Total noninterest income	$3,119,000	968
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$465,000	1,294
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,654,000	792
Total noninterest expense	$13,830,000	753
Salaries and employee benefits	$7,996,000	727
Premises and equipment expense	$2,291,000	556
Additional noninterest expense	$3,543,000	920
Pre-tax net operating income	$6,916,000	685
Securities gains (losses)	$0	2,636
Applicable income taxes	$2,226,000	601
Income before extraordinary items	$4,690,000	784
Extraordinary gains, net	$0	22
Net income	$4,690,000	783
Minority interest net income	$0	75
Net income of bank and minority interests.	$4,690,000	784
Net charge-offs	$74,000	1,992
Cash dividends	$179,000	2,871
Sale, conversion, retirement of capital stock, net	$352,000	234
Net operating income	$4,690,000	764
2015-03-31 (YTD Data)		Rank
Total interest income	$9,686,000	658
Total interest expense	$1,058,000	663
Net interest income	$8,628,000	656
Provision for loan and lease losses	$500,000	407
Total noninterest income	$1,884,000	833
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$239,000	1,229
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,645,000	644
Total noninterest expense	$6,610,000	785
Salaries and employee benefits	$3,919,000	756
Premises and equipment expense	$1,169,000	549
Additional noninterest expense	$1,522,000	1,060
Pre-tax net operating income	$3,402,000	669
Securities gains (losses)	$0	2,027
Applicable income taxes	$1,085,000	594
Income before extraordinary items	$2,317,000	760
Extraordinary gains, net	$0	13
Net income	$2,317,000	758
Minority interest net income	$0	64
Net income of bank and minority interests.	$2,317,000	760
Net charge-offs	$61,000	1,419
Cash dividends	$89,000	2,399
Sale, conversion, retirement of capital stock, net	$162,000	206
Net operating income	$2,317,000	735
2014-12-31 (YTD Data)		Rank
Total interest income	$37,361,000	676
Total interest expense	$4,314,000	669
Net interest income	$33,047,000	670
Provision for loan and lease losses	$5,750,000	194
Total noninterest income	$5,652,000	998
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$988,000	1,305
Trading account gains and fees	$0	180
Additional Noninterest Income	$4,664,000	802
Total noninterest expense	$27,174,000	748
Salaries and employee benefits	$16,020,000	693
Premises and equipment expense	$4,275,000	580
Additional noninterest expense	$6,879,000	942
Pre-tax net operating income	$5,775,000	1,355
Securities gains (losses)	$-2,000	5,864
Applicable income taxes	$1,190,000	1,369
Income before extraordinary items	$4,583,000	1,410
Extraordinary gains, net	$0	17
Net income	$4,583,000	1,408
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,583,000	1,409
Net charge-offs	$5,864,000	206
Cash dividends	$354,000	3,242
Sale, conversion, retirement of capital stock, net	$884,000	233
Net operating income	$4,584,580	1,383
2014-09-30 (YTD Data)		Rank
Total interest income	$27,693,000	683
Total interest expense	$3,214,000	675
Net interest income	$24,479,000	673
Provision for loan and lease losses	$5,250,000	163
Total noninterest income	$4,268,000	994
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$754,000	1,289
Trading account gains and fees	$0	174
Additional Noninterest Income	$3,514,000	796
Total noninterest expense	$20,661,000	734
Salaries and employee benefits	$12,175,000	684
Premises and equipment expense	$3,170,000	583
Additional noninterest expense	$5,316,000	910
Pre-tax net operating income	$2,836,000	1,944
Securities gains (losses)	$-3,000	6,006
Applicable income taxes	$323,000	2,385
Income before extraordinary items	$2,510,000	1,844
Extraordinary gains, net	$0	15
Net income	$2,510,000	1,844
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,510,000	1,843
Net charge-offs	$5,181,000	175
Cash dividends	$265,000	2,862
Sale, conversion, retirement of capital stock, net	$818,000	170
Net operating income	$2,512,670	1,805
2014-06-30 (YTD Data)		Rank
Total interest income	$17,560,000	710
Total interest expense	$2,115,000	694
Net interest income	$15,445,000	708
Provision for loan and lease losses	$4,600,000	135
Total noninterest income	$2,900,000	969
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$486,000	1,310
Trading account gains and fees	$0	172
Additional Noninterest Income	$2,414,000	754
Total noninterest expense	$14,052,000	719
Salaries and employee benefits	$8,275,000	667
Premises and equipment expense	$2,099,000	587
Additional noninterest expense	$3,678,000	880
Pre-tax net operating income	$-307,000	6,439
Securities gains (losses)	$-3,000	6,148
Applicable income taxes	$-624,000	6,613
Income before extraordinary items	$314,000	4,661
Extraordinary gains, net	$0	20
Net income	$314,000	4,663
Minority interest net income	$0	80
Net income of bank and minority interests.	$314,000	4,664
Net charge-offs	$4,221,000	159
Cash dividends	$89,000	3,243
Sale, conversion, retirement of capital stock, net	$285,000	236
Net operating income	$315,920	4,607
2014-03-31 (YTD Data)		Rank
Total interest income	$7,996,000	787
Total interest expense	$1,014,000	742
Net interest income	$6,982,000	787
Provision for loan and lease losses	$500,000	452
Total noninterest income	$1,640,000	846
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$219,000	1,426
Trading account gains and fees	$0	147
Additional Noninterest Income	$1,421,000	652
Total noninterest expense	$7,346,000	694
Salaries and employee benefits	$4,590,000	596
Premises and equipment expense	$826,000	775
Additional noninterest expense	$1,930,000	829
Pre-tax net operating income	$776,000	2,138
Securities gains (losses)	$-3,000	6,318
Applicable income taxes	$75,000	2,618
Income before extraordinary items	$698,000	2,008
Extraordinary gains, net	$0	16
Net income	$698,000	2,011
Minority interest net income	$0	66
Net income of bank and minority interests.	$698,000	2,011
Net charge-offs	$508,000	494
Cash dividends	$89,000	2,332
Sale, conversion, retirement of capital stock, net	$262,000	152
Net operating income	$700,700	1,962
2013-12-31 (YTD Data)		Rank
Total interest income	$28,992,000	857
Total interest expense	$3,903,000	872
Net interest income	$25,089,000	852
Provision for loan and lease losses	$1,077,000	1,033
Total noninterest income	$6,752,000	910
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$920,000	1,466
Trading account gains and fees	$0	184
Additional Noninterest Income	$5,832,000	719
Total noninterest expense	$22,347,000	909
Salaries and employee benefits	$12,709,000	842
Premises and equipment expense	$3,259,000	744
Additional noninterest expense	$6,379,000	1,057
Pre-tax net operating income	$8,417,000	916
Securities gains (losses)	$0	3,182
Applicable income taxes	$2,406,000	786
Income before extraordinary items	$6,011,000	1,034
Extraordinary gains, net	$0	29
Net income	$6,011,000	1,036
Minority interest net income	$0	90
Net income of bank and minority interests.	$6,011,000	1,036
Net charge-offs	$1,189,000	1,109
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$658,000	259
Net operating income	$6,011,000	1,005
2013-09-30 (YTD Data)		Rank
Total interest income	$21,993,000	855
Total interest expense	$2,980,000	886
Net interest income	$19,013,000	849
Provision for loan and lease losses	$777,000	1,083
Total noninterest income	$4,296,000	1,048
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$676,000	1,502
Trading account gains and fees	$0	180
Additional Noninterest Income	$3,620,000	852
Total noninterest expense	$16,121,000	948
Salaries and employee benefits	$9,458,000	858
Premises and equipment expense	$1,930,000	941
Additional noninterest expense	$4,733,000	1,067
Pre-tax net operating income	$6,411,000	913
Securities gains (losses)	$0	3,040
Applicable income taxes	$1,832,000	797
Income before extraordinary items	$4,579,000	1,018
Extraordinary gains, net	$0	25
Net income	$4,579,000	1,021
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,579,000	1,021
Net charge-offs	$1,108,000	930
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$649,000	201
Net operating income	$4,579,000	994
2013-06-30 (YTD Data)		Rank
Total interest income	$14,653,000	851
Total interest expense	$2,033,000	882
Net interest income	$12,620,000	845
Provision for loan and lease losses	$237,000	1,931
Total noninterest income	$3,683,000	871
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$445,000	1,491
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,238,000	684
Total noninterest expense	$11,871,000	863
Salaries and employee benefits	$7,051,000	770
Premises and equipment expense	$1,602,000	762
Additional noninterest expense	$3,218,000	1,049
Pre-tax net operating income	$4,195,000	907
Securities gains (losses)	$0	2,791
Applicable income taxes	$1,197,000	805
Income before extraordinary items	$2,998,000	1,040
Extraordinary gains, net	$0	22
Net income	$2,998,000	1,041
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,998,000	1,043
Net charge-offs	$1,119,000	703
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$212,000	257
Net operating income	$2,998,000	992
2013-03-31 (YTD Data)		Rank
Total interest income	$7,472,000	838
Total interest expense	$1,059,000	874
Net interest income	$6,413,000	826
Provision for loan and lease losses	$0	4,409
Total noninterest income	$1,963,000	835
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$223,000	1,470
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,740,000	658
Total noninterest expense	$6,438,000	799
Salaries and employee benefits	$3,753,000	735
Premises and equipment expense	$805,000	770
Additional noninterest expense	$1,880,000	905
Pre-tax net operating income	$1,938,000	957
Securities gains (losses)	$0	1,966
Applicable income taxes	$555,000	832
Income before extraordinary items	$1,383,000	1,100
Extraordinary gains, net	$0	10
Net income	$1,383,000	1,102
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,383,000	1,102
Net charge-offs	$1,128,000	430
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$165,000	182
Net operating income	$1,383,000	1,041
2012-12-31 (YTD Data)		Rank
Total interest income	$32,836,000	798
Total interest expense	$4,767,000	939
Net interest income	$28,069,000	766
Provision for loan and lease losses	$2,150,000	1,010
Total noninterest income	$6,262,000	968
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$930,000	1,505
Trading account gains and fees	$0	166
Additional Noninterest Income	$5,332,000	776
Total noninterest expense	$24,741,000	804
Salaries and employee benefits	$13,726,000	765
Premises and equipment expense	$3,015,000	803
Additional noninterest expense	$8,000,000	870
Pre-tax net operating income	$7,440,000	958
Securities gains (losses)	$313,000	1,331
Applicable income taxes	$2,440,000	739
Income before extraordinary items	$5,313,000	1,111
Extraordinary gains, net	$0	29
Net income	$5,313,000	1,111
Minority interest net income	$0	93
Net income of bank and minority interests.	$5,313,000	1,111
Net charge-offs	$533,000	2,572
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$5,281,000	77
Net operating income	$5,097,030	1,094
2012-09-30 (YTD Data)		Rank
Total interest income	$24,427,000	821
Total interest expense	$3,635,000	969
Net interest income	$20,792,000	787
Provision for loan and lease losses	$1,650,000	1,004
Total noninterest income	$4,667,000	979
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$703,000	1,504
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,964,000	767
Total noninterest expense	$18,167,000	817
Salaries and employee benefits	$10,122,000	774
Premises and equipment expense	$2,284,000	800
Additional noninterest expense	$5,761,000	902
Pre-tax net operating income	$5,642,000	967
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,632,000	839
Income before extraordinary items	$4,010,000	1,130
Extraordinary gains, net	$0	20
Net income	$4,010,000	1,131
Minority interest net income	$0	86
Net income of bank and minority interests.	$4,010,000	1,131
Net charge-offs	$491,000	2,213
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$451,000	250
Net operating income	$4,010,000	1,065
2012-06-30 (YTD Data)		Rank
Total interest income	$15,941,000	843
Total interest expense	$2,488,000	982
Net interest income	$13,453,000	816
Provision for loan and lease losses	$1,150,000	981
Total noninterest income	$3,028,000	980
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$459,000	1,524
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,569,000	775
Total noninterest expense	$11,661,000	847
Salaries and employee benefits	$6,677,000	778
Premises and equipment expense	$1,629,000	741
Additional noninterest expense	$3,355,000	1,036
Pre-tax net operating income	$3,670,000	972
Securities gains (losses)	$0	3,178
Applicable income taxes	$1,077,000	838
Income before extraordinary items	$2,593,000	1,166
Extraordinary gains, net	$0	19
Net income	$2,593,000	1,165
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,593,000	1,165
Net charge-offs	$427,000	1,936
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$167,000	292
Net operating income	$2,593,000	1,087
2012-03-31 (YTD Data)		Rank
Total interest income	$8,035,000	839
Total interest expense	$1,305,000	973
Net interest income	$6,730,000	813
Provision for loan and lease losses	$600,000	917
Total noninterest income	$1,515,000	973
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$228,000	1,519
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,287,000	759
Total noninterest expense	$5,963,000	827
Salaries and employee benefits	$3,269,000	787
Premises and equipment expense	$857,000	708
Additional noninterest expense	$1,837,000	927
Pre-tax net operating income	$1,682,000	1,049
Securities gains (losses)	$0	2,210
Applicable income taxes	$451,000	970
Income before extraordinary items	$1,231,000	1,190
Extraordinary gains, net	$0	19
Net income	$1,231,000	1,189
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,231,000	1,190
Net charge-offs	$252,000	1,640
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$165,000	178
Net operating income	$1,231,000	1,132
2011-12-31 (YTD Data)		Rank
Total interest income	$29,855,000	935
Total interest expense	$6,105,000	998
Net interest income	$23,750,000	921
Provision for loan and lease losses	$2,558,000	1,322
Total noninterest income	$5,526,000	955
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$892,000	1,641
Trading account gains and fees	$0	146
Additional Noninterest Income	$4,634,000	746
Total noninterest expense	$20,815,000	949
Salaries and employee benefits	$12,353,000	805
Premises and equipment expense	$3,017,000	827
Additional noninterest expense	$5,445,000	1,275
Pre-tax net operating income	$5,903,000	1,019
Securities gains (losses)	$0	3,838
Applicable income taxes	$1,523,000	983
Income before extraordinary items	$4,380,000	1,145
Extraordinary gains, net	$0	29
Net income	$4,380,000	1,145
Minority interest net income	$0	96
Net income of bank and minority interests.	$4,380,000	1,145
Net charge-offs	$2,787,000	1,262
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$-248,000	7,316
Net operating income	$4,380,000	1,085
2011-09-30 (YTD Data)		Rank
Total interest income	$21,494,000	981
Total interest expense	$4,681,000	1,021
Net interest income	$16,813,000	984
Provision for loan and lease losses	$1,283,000	1,672
Total noninterest income	$4,027,000	989
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$648,000	1,683
Trading account gains and fees	$0	145
Additional Noninterest Income	$3,379,000	763
Total noninterest expense	$15,210,000	975
Salaries and employee benefits	$9,052,000	821
Premises and equipment expense	$2,265,000	840
Additional noninterest expense	$3,893,000	1,327
Pre-tax net operating income	$4,347,000	1,059
Securities gains (losses)	$0	3,555
Applicable income taxes	$1,128,000	991
Income before extraordinary items	$3,219,000	1,193
Extraordinary gains, net	$0	21
Net income	$3,219,000	1,193
Minority interest net income	$0	87
Net income of bank and minority interests.	$3,219,000	1,193
Net charge-offs	$1,538,000	1,468
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$-358,000	7,411
Net operating income	$3,219,000	1,131
2011-06-30 (YTD Data)		Rank
Total interest income	$14,018,000	1,017
Total interest expense	$3,139,000	1,050
Net interest income	$10,879,000	1,017
Provision for loan and lease losses	$675,000	1,934
Total noninterest income	$2,557,000	1,023
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$411,000	1,730
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,146,000	795
Total noninterest expense	$10,210,000	973
Salaries and employee benefits	$5,875,000	851
Premises and equipment expense	$1,468,000	875
Additional noninterest expense	$2,867,000	1,229
Pre-tax net operating income	$2,551,000	1,165
Securities gains (losses)	$0	2,914
Applicable income taxes	$602,000	1,152
Income before extraordinary items	$1,949,000	1,285
Extraordinary gains, net	$0	15
Net income	$1,949,000	1,285
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,949,000	1,285
Net charge-offs	$568,000	2,018
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$-453,000	7,502
Net operating income	$1,949,000	1,225
2011-03-31 (YTD Data)		Rank
Total interest income	$6,933,000	1,042
Total interest expense	$1,505,000	1,117
Net interest income	$5,428,000	1,018
Provision for loan and lease losses	$400,000	1,629
Total noninterest income	$1,313,000	1,014
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$176,000	1,930
Trading account gains and fees	$0	158
Additional Noninterest Income	$1,137,000	748
Total noninterest expense	$4,951,000	1,007
Salaries and employee benefits	$2,880,000	877
Premises and equipment expense	$729,000	906
Additional noninterest expense	$1,342,000	1,309
Pre-tax net operating income	$1,390,000	1,066
Securities gains (losses)	$0	1,772
Applicable income taxes	$426,000	843
Income before extraordinary items	$964,000	1,281
Extraordinary gains, net	$0	9
Net income	$964,000	1,281
Minority interest net income	$0	86
Net income of bank and minority interests.	$964,000	1,281
Net charge-offs	$413,000	1,500
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$-213,000	7,559
Net operating income	$964,000	1,241
2010-12-31 (YTD Data)		Rank
Total interest income	$29,299,000	1,048
Total interest expense	$7,748,000	1,071
Net interest income	$21,551,000	1,019
Provision for loan and lease losses	$2,325,000	1,890
Total noninterest income	$5,548,000	996
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$731,000	1,974
Trading account gains and fees	$0	175
Additional Noninterest Income	$4,817,000	768
Total noninterest expense	$19,130,000	1,038
Salaries and employee benefits	$11,240,000	876
Premises and equipment expense	$2,528,000	1,023
Additional noninterest expense	$5,362,000	1,351
Pre-tax net operating income	$5,644,000	919
Securities gains (losses)	$0	3,793
Applicable income taxes	$1,631,000	848
Income before extraordinary items	$4,013,000	1,088
Extraordinary gains, net	$0	29
Net income	$4,013,000	1,089
Minority interest net income	$0	111
Net income of bank and minority interests.	$4,013,000	1,091
Net charge-offs	$1,067,000	2,597
Cash dividends	$1,852,000	880
Sale, conversion, retirement of capital stock, net	$-10,886,000	7,655
Net operating income	$4,013,000	1,033
2010-09-30 (YTD Data)		Rank
Total interest income	$21,615,000	1,088
Total interest expense	$5,984,000	1,077
Net interest income	$15,631,000	1,070
Provision for loan and lease losses	$1,725,000	1,818
Total noninterest income	$3,836,000	1,041
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$550,000	2,027
Trading account gains and fees	$0	165
Additional Noninterest Income	$3,286,000	776
Total noninterest expense	$13,669,000	1,078
Salaries and employee benefits	$8,088,000	903
Premises and equipment expense	$1,895,000	1,038
Additional noninterest expense	$3,686,000	1,441
Pre-tax net operating income	$4,073,000	1,002
Securities gains (losses)	$0	3,651
Applicable income taxes	$1,169,000	897
Income before extraordinary items	$2,904,000	1,163
Extraordinary gains, net	$0	23
Net income	$2,904,000	1,167
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,904,000	1,167
Net charge-offs	$504,000	3,070
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$-553,000	7,740
Net operating income	$2,904,000	1,115
2010-06-30 (YTD Data)		Rank
Total interest income	$13,925,000	1,133
Total interest expense	$4,106,000	1,090
Net interest income	$9,819,000	1,148
Provision for loan and lease losses	$850,000	2,119
Total noninterest income	$2,401,000	1,076
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$365,000	2,028
Trading account gains and fees	$0	152
Additional Noninterest Income	$2,036,000	800
Total noninterest expense	$8,859,000	1,104
Salaries and employee benefits	$5,218,000	935
Premises and equipment expense	$1,219,000	1,094
Additional noninterest expense	$2,422,000	1,464
Pre-tax net operating income	$2,511,000	1,065
Securities gains (losses)	$0	3,184
Applicable income taxes	$666,000	976
Income before extraordinary items	$1,845,000	1,209
Extraordinary gains, net	$0	19
Net income	$1,845,000	1,210
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,845,000	1,210
Net charge-offs	$417,000	2,655
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$-377,000	7,810
Net operating income	$1,845,000	1,165
2010-03-31 (YTD Data)		Rank
Total interest income	$6,851,000	1,176
Total interest expense	$2,147,000	1,095
Net interest income	$4,704,000	1,225
Provision for loan and lease losses	$300,000	2,372
Total noninterest income	$1,182,000	1,065
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	$1,006,000	792
Total noninterest expense	$4,368,000	1,149
Salaries and employee benefits	$2,593,000	944
Premises and equipment expense	$598,000	1,141
Additional noninterest expense	$1,177,000	1,502
Pre-tax net operating income	$1,218,000	1,084
Securities gains (losses)	$0	2,284
Applicable income taxes	$345,000	930
Income before extraordinary items	$873,000	1,251
Extraordinary gains, net	$0	16
Net income	$873,000	1,254
Minority interest net income	$0	91
Net income of bank and minority interests.	$873,000	1,253
Net charge-offs	$14,000	4,653
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$-176,000	7,913
Net operating income	$873,000	1,220
2009-12-31 (YTD Data)		Rank
Total interest income	$30,135,000	1,136
Total interest expense	$11,183,000	1,057
Net interest income	$18,952,000	1,171
Provision for loan and lease losses	$2,553,000	2,151
Total noninterest income	$4,857,000	1,131
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$886,000	1,875
Trading account gains and fees	$0	211
Additional Noninterest Income	$3,971,000	850
Total noninterest expense	$18,242,000	1,141
Salaries and employee benefits	$10,368,000	944
Premises and equipment expense	$2,415,000	1,132
Additional noninterest expense	$5,459,000	1,366
Pre-tax net operating income	$3,014,000	1,320
Securities gains (losses)	$775,000	623
Applicable income taxes	$522,000	1,515
Income before extraordinary items	$3,267,000	1,032
Extraordinary gains, net	$0	34
Net income	$3,267,000	1,028
Minority interest net income	$0	115
Net income of bank and minority interests.	$3,267,000	1,031
Net charge-offs	$1,733,000	2,215
Cash dividends	$276,000	3,317
Sale, conversion, retirement of capital stock, net	$208,000	707
Net operating income	$2,600,500	1,271
2009-09-30 (YTD Data)		Rank
Total interest income	$22,472,000	1,166
Total interest expense	$8,600,000	1,085
Net interest income	$13,872,000	1,204
Provision for loan and lease losses	$1,293,000	2,423
Total noninterest income	$3,525,000	1,169
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$681,000	1,841
Trading account gains and fees	$0	212
Additional Noninterest Income	$2,844,000	891
Total noninterest expense	$13,664,000	1,131
Salaries and employee benefits	$7,572,000	980
Premises and equipment expense	$1,834,000	1,126
Additional noninterest expense	$4,258,000	1,285
Pre-tax net operating income	$2,440,000	1,321
Securities gains (losses)	$0	3,497
Applicable income taxes	$278,000	2,001
Income before extraordinary items	$2,162,000	1,240
Extraordinary gains, net	$0	27
Net income	$2,162,000	1,238
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,162,000	1,240
Net charge-offs	$866,000	2,365
Cash dividends	$276,000	2,731
Sale, conversion, retirement of capital stock, net	$417,000	465
Net operating income	$2,162,000	1,220
2009-06-30 (YTD Data)		Rank
Total interest income	$15,003,000	1,185
Total interest expense	$5,753,000	1,146
Net interest income	$9,250,000	1,203
Provision for loan and lease losses	$788,000	2,356
Total noninterest income	$2,255,000	1,220
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$455,000	1,817
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,800,000	963
Total noninterest expense	$9,276,000	1,130
Salaries and employee benefits	$4,976,000	1,019
Premises and equipment expense	$1,218,000	1,155
Additional noninterest expense	$3,082,000	1,229
Pre-tax net operating income	$1,441,000	1,573
Securities gains (losses)	$0	3,136
Applicable income taxes	$78,000	2,816
Income before extraordinary items	$1,363,000	1,388
Extraordinary gains, net	$0	21
Net income	$1,363,000	1,386
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,363,000	1,388
Net charge-offs	$264,000	3,090
Cash dividends	$276,000	2,305
Sale, conversion, retirement of capital stock, net	$556,000	336
Net operating income	$1,363,000	1,344
2009-03-31 (YTD Data)		Rank
Total interest income	$7,414,000	1,216
Total interest expense	$2,948,000	1,164
Net interest income	$4,466,000	1,241
Provision for loan and lease losses	$463,000	1,849
Total noninterest income	$1,006,000	1,280
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$238,000	1,700
Trading account gains and fees	$0	171
Additional Noninterest Income	$768,000	1,047
Total noninterest expense	$4,179,000	1,199
Salaries and employee benefits	$2,387,000	1,064
Premises and equipment expense	$608,000	1,182
Additional noninterest expense	$1,184,000	1,374
Pre-tax net operating income	$830,000	1,546
Securities gains (losses)	$0	2,434
Applicable income taxes	$177,000	1,573
Income before extraordinary items	$653,000	1,648
Extraordinary gains, net	$0	15
Net income	$653,000	1,649
Minority interest net income	$0	102
Net income of bank and minority interests.	$653,000	1,650
Net charge-offs	$18,000	4,403
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$308,000	234
Net operating income	$653,000	1,571
2008-12-31 (YTD Data)		Rank
Total interest income	$29,110,000	1,331
Total interest expense	$11,661,000	1,402
Net interest income	$17,449,000	1,271
Provision for loan and lease losses	$640,000	3,383
Total noninterest income	$3,843,000	1,304
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$884,000	1,953
Trading account gains and fees	$0	154
Additional Noninterest Income	$2,959,000	977
Total noninterest expense	$15,593,000	1,259
Salaries and employee benefits	$8,968,000	1,098
Premises and equipment expense	$2,453,000	1,131
Additional noninterest expense	$4,172,000	1,481
Pre-tax net operating income	$5,059,000	1,095
Securities gains (losses)	$0	3,220
Applicable income taxes	$1,591,000	829
Income before extraordinary items	$3,468,000	1,203
Extraordinary gains, net	$0	39
Net income	$3,468,000	1,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$303,000	3,515
Cash dividends	$417,000	3,627
Sale, conversion, retirement of capital stock, net	$282,000	681
Net operating income	$3,468,000	1,279
2008-09-30 (YTD Data)		Rank
Total interest income	$21,741,000	1,358
Total interest expense	$8,747,000	1,461
Net interest income	$12,994,000	1,296
Provision for loan and lease losses	$535,000	2,645
Total noninterest income	$2,962,000	1,320
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$641,000	2,016
Trading account gains and fees	$0	148
Additional Noninterest Income	$2,321,000	990
Total noninterest expense	$11,355,000	1,269
Salaries and employee benefits	$6,623,000	1,143
Premises and equipment expense	$1,807,000	1,150
Additional noninterest expense	$2,925,000	1,527
Pre-tax net operating income	$4,066,000	1,237
Securities gains (losses)	$0	3,106
Applicable income taxes	$1,232,000	984
Income before extraordinary items	$2,834,000	1,309
Extraordinary gains, net	$0	31
Net income	$2,834,000	1,308
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$154,000	3,362
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$21,000	1,073
Net operating income	$2,834,000	1,378
2008-06-30 (YTD Data)		Rank
Total interest income	$14,354,000	1,398
Total interest expense	$5,812,000	1,515
Net interest income	$8,542,000	1,314
Provision for loan and lease losses	$360,000	2,284
Total noninterest income	$1,856,000	1,400
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$384,000	2,204
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,472,000	1,075
Total noninterest expense	$7,296,000	1,317
Salaries and employee benefits	$4,315,000	1,190
Premises and equipment expense	$1,174,000	1,174
Additional noninterest expense	$1,807,000	1,633
Pre-tax net operating income	$2,742,000	1,285
Securities gains (losses)	$0	3,233
Applicable income taxes	$862,000	1,058
Income before extraordinary items	$1,880,000	1,468
Extraordinary gains, net	$0	21
Net income	$1,880,000	1,469
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	3,417
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$59,000	727
Net operating income	$1,880,000	1,432
2008-03-31 (YTD Data)		Rank
Total interest income	$7,166,000	1,439
Total interest expense	$2,914,000	1,607
Net interest income	$4,252,000	1,305
Provision for loan and lease losses	$165,000	2,024
Total noninterest income	$907,000	1,435
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$186,000	2,212
Trading account gains and fees	$0	158
Additional Noninterest Income	$721,000	1,090
Total noninterest expense	$3,537,000	1,349
Salaries and employee benefits	$2,098,000	1,238
Premises and equipment expense	$579,000	1,190
Additional noninterest expense	$860,000	1,667
Pre-tax net operating income	$1,457,000	1,302
Securities gains (losses)	$0	2,688
Applicable income taxes	$489,000	1,030
Income before extraordinary items	$968,000	1,541
Extraordinary gains, net	$0	15
Net income	$968,000	1,544
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$4,000	922
Net operating income	$968,000	1,489
2007-12-31 (YTD Data)		Rank
Total interest income	$30,352,000	1,414
Total interest expense	$11,166,000	1,785
Net interest income	$19,186,000	1,161
Provision for loan and lease losses	$130,000	4,513
Total noninterest income	$2,984,000	1,647
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$674,000	2,442
Trading account gains and fees	$0	178
Additional Noninterest Income	$2,310,000	1,238
Total noninterest expense	$12,516,000	1,474
Salaries and employee benefits	$7,623,000	1,314
Premises and equipment expense	$2,180,000	1,216
Additional noninterest expense	$2,713,000	2,027
Pre-tax net operating income	$9,524,000	890
Securities gains (losses)	$0	2,146
Applicable income taxes	$3,095,000	795
Income before extraordinary items	$6,429,000	1,020
Extraordinary gains, net	$0	39
Net income	$6,429,000	1,018
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,921
Cash dividends	$3,443,000	1,068
Sale, conversion, retirement of capital stock, net	$3,614,000	305
Net operating income	$6,429,000	1,002
2007-09-30 (YTD Data)		Rank
Total interest income	$22,662,000	1,431
Total interest expense	$8,283,000	1,805
Net interest income	$14,379,000	1,168
Provision for loan and lease losses	$100,000	4,093
Total noninterest income	$2,229,000	1,654
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$494,000	2,464
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,735,000	1,248
Total noninterest expense	$9,084,000	1,500
Salaries and employee benefits	$5,501,000	1,379
Premises and equipment expense	$1,608,000	1,231
Additional noninterest expense	$1,975,000	2,034
Pre-tax net operating income	$7,424,000	930
Securities gains (losses)	$0	1,655
Applicable income taxes	$2,243,000	879
Income before extraordinary items	$5,181,000	1,011
Extraordinary gains, net	$0	33
Net income	$5,181,000	1,009
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,136
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$74,000	821
Net operating income	$5,181,000	996
2007-06-30 (YTD Data)		Rank
Total interest income	$14,835,000	1,466
Total interest expense	$5,294,000	1,875
Net interest income	$9,541,000	1,198
Provision for loan and lease losses	$70,000	3,835
Total noninterest income	$1,472,000	1,693
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$325,000	2,491
Trading account gains and fees	$0	168
Additional Noninterest Income	$1,147,000	1,270
Total noninterest expense	$6,015,000	1,526
Salaries and employee benefits	$3,631,000	1,419
Premises and equipment expense	$1,061,000	1,259
Additional noninterest expense	$1,323,000	2,034
Pre-tax net operating income	$4,928,000	972
Securities gains (losses)	$0	1,444
Applicable income taxes	$1,486,000	925
Income before extraordinary items	$3,442,000	1,047
Extraordinary gains, net	$0	29
Net income	$3,442,000	1,046
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	7,846
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$-134,000	8,567
Net operating income	$3,442,000	1,030
2007-03-31 (YTD Data)		Rank
Total interest income	$7,390,000	1,462
Total interest expense	$2,511,000	1,940
Net interest income	$4,879,000	1,150
Provision for loan and lease losses	$40,000	3,421
Total noninterest income	$732,000	1,673
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$150,000	2,602
Trading account gains and fees	$0	195
Additional Noninterest Income	$582,000	1,226
Total noninterest expense	$3,102,000	1,480
Salaries and employee benefits	$1,902,000	1,347
Premises and equipment expense	$525,000	1,286
Additional noninterest expense	$675,000	1,958
Pre-tax net operating income	$2,469,000	960
Securities gains (losses)	$0	1,187
Applicable income taxes	$766,000	906
Income before extraordinary items	$1,703,000	1,040
Extraordinary gains, net	$0	22
Net income	$1,703,000	1,039
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-80,000	8,475
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$33,000	568
Net operating income	$1,703,000	1,024
2006-12-31 (YTD Data)		Rank
Total interest income	$27,305,000	1,460
Total interest expense	$8,420,000	1,959
Net interest income	$18,885,000	1,184
Provision for loan and lease losses	$894,000	1,159
Total noninterest income	$2,983,000	1,643
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$668,000	2,467
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,315,000	1,210
Total noninterest expense	$12,294,000	1,453
Salaries and employee benefits	$7,053,000	1,384
Premises and equipment expense	$1,988,000	1,302
Additional noninterest expense	$3,253,000	1,619
Pre-tax net operating income	$8,680,000	1,135
Securities gains (losses)	$-100,000	8,202
Applicable income taxes	$3,109,000	909
Income before extraordinary items	$5,471,000	1,333
Extraordinary gains, net	$0	51
Net income	$5,471,000	1,334
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	4,771
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$86,000	911
Net operating income	$5,535,000	1,304
2006-09-30 (YTD Data)		Rank
Total interest income	$20,106,000	1,476
Total interest expense	$6,066,000	1,967
Net interest income	$14,040,000	1,212
Provision for loan and lease losses	$440,000	1,570
Total noninterest income	$2,274,000	1,614
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$506,000	2,462
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,768,000	1,202
Total noninterest expense	$9,530,000	1,418
Salaries and employee benefits	$5,309,000	1,395
Premises and equipment expense	$1,501,000	1,295
Additional noninterest expense	$2,720,000	1,457
Pre-tax net operating income	$6,344,000	1,209
Securities gains (losses)	$-100,000	8,404
Applicable income taxes	$1,787,000	1,196
Income before extraordinary items	$4,457,000	1,270
Extraordinary gains, net	$0	45
Net income	$4,457,000	1,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	4,946
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$48,000	825
Net operating income	$4,528,000	1,233
2006-06-30 (YTD Data)		Rank
Total interest income	$12,942,000	1,498
Total interest expense	$3,831,000	1,977
Net interest income	$9,111,000	1,256
Provision for loan and lease losses	$340,000	1,331
Total noninterest income	$1,464,000	1,681
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$353,000	2,336
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,111,000	1,265
Total noninterest expense	$6,342,000	1,424
Salaries and employee benefits	$3,558,000	1,391
Premises and equipment expense	$949,000	1,365
Additional noninterest expense	$1,835,000	1,446
Pre-tax net operating income	$3,893,000	1,292
Securities gains (losses)	$-100,000	8,537
Applicable income taxes	$1,000,000	1,401
Income before extraordinary items	$2,793,000	1,346
Extraordinary gains, net	$0	39
Net income	$2,793,000	1,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	4,252
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$-156,000	8,736
Net operating income	$2,867,000	1,288
2006-03-31 (YTD Data)		Rank
Total interest income	$6,153,000	1,545
Total interest expense	$1,817,000	1,988
Net interest income	$4,336,000	1,323
Provision for loan and lease losses	$170,000	1,293
Total noninterest income	$800,000	1,512
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$187,000	2,162
Trading account gains and fees	$0	115
Additional Noninterest Income	$613,000	1,159
Total noninterest expense	$3,153,000	1,436
Salaries and employee benefits	$1,756,000	1,419
Premises and equipment expense	$446,000	1,462
Additional noninterest expense	$951,000	1,387
Pre-tax net operating income	$1,813,000	1,354
Securities gains (losses)	$0	955
Applicable income taxes	$488,000	1,426
Income before extraordinary items	$1,325,000	1,389
Extraordinary gains, net	$0	21
Net income	$1,325,000	1,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,131
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$38,000	428
Net operating income	$1,325,000	1,362
2005-12-31 (YTD Data)		Rank
Total interest income	$21,328,000	1,580
Total interest expense	$5,677,000	1,980
Net interest income	$15,651,000	1,391
Provision for loan and lease losses	$405,000	2,256
Total noninterest income	$3,305,000	1,479
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$690,000	2,376
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,615,000	1,129
Total noninterest expense	$11,242,000	1,529
Salaries and employee benefits	$6,281,000	1,501
Premises and equipment expense	$1,858,000	1,323
Additional noninterest expense	$3,103,000	1,629
Pre-tax net operating income	$7,309,000	1,313
Securities gains (losses)	$-272,000	8,635
Applicable income taxes	$2,232,000	1,239
Income before extraordinary items	$4,805,000	1,473
Extraordinary gains, net	$0	46
Net income	$4,805,000	1,473
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	4,318
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$-1,235,000	8,814
Net operating income	$4,989,960	1,400
2005-09-30 (YTD Data)		Rank
Total interest income	$15,375,000	1,603
Total interest expense	$4,027,000	1,983
Net interest income	$11,348,000	1,419
Provision for loan and lease losses	$280,000	2,309
Total noninterest income	$2,484,000	1,489
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$508,000	2,413
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,976,000	1,129
Total noninterest expense	$8,305,000	1,536
Salaries and employee benefits	$4,609,000	1,512
Premises and equipment expense	$1,386,000	1,316
Additional noninterest expense	$2,310,000	1,617
Pre-tax net operating income	$5,247,000	1,369
Securities gains (losses)	$0	2,317
Applicable income taxes	$1,705,000	1,243
Income before extraordinary items	$3,542,000	1,498
Extraordinary gains, net	$0	35
Net income	$3,542,000	1,499
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	4,590
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$-1,143,000	8,847
Net operating income	$3,542,000	1,471
2005-06-30 (YTD Data)		Rank
Total interest income	$9,857,000	1,624
Total interest expense	$2,525,000	1,973
Net interest income	$7,332,000	1,452
Provision for loan and lease losses	$195,000	2,201
Total noninterest income	$1,598,000	1,508
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$329,000	2,429
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,269,000	1,132
Total noninterest expense	$5,342,000	1,582
Salaries and employee benefits	$2,933,000	1,580
Premises and equipment expense	$930,000	1,293
Additional noninterest expense	$1,479,000	1,669
Pre-tax net operating income	$3,393,000	1,387
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,103,000	1,257
Income before extraordinary items	$2,290,000	1,510
Extraordinary gains, net	$0	30
Net income	$2,290,000	1,509
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	4,491
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$-1,271,000	8,861
Net operating income	$2,290,000	1,481
2005-03-31 (YTD Data)		Rank
Total interest income	$4,821,000	1,629
Total interest expense	$1,205,000	1,963
Net interest income	$3,616,000	1,460
Provision for loan and lease losses	$60,000	2,830
Total noninterest income	$702,000	1,640
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$159,000	2,442
Trading account gains and fees	$0	115
Additional Noninterest Income	$543,000	1,253
Total noninterest expense	$2,642,000	1,608
Salaries and employee benefits	$1,434,000	1,609
Premises and equipment expense	$468,000	1,284
Additional noninterest expense	$740,000	1,662
Pre-tax net operating income	$1,616,000	1,414
Securities gains (losses)	$0	1,685
Applicable income taxes	$517,000	1,316
Income before extraordinary items	$1,099,000	1,532
Extraordinary gains, net	$0	24
Net income	$1,099,000	1,534
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$-208,000	8,918
Net operating income	$1,099,000	1,509
2004-12-31 (YTD Data)		Rank
Total interest income	$17,016,000	1,681
Total interest expense	$4,282,000	1,901
Net interest income	$12,734,000	1,602
Provision for loan and lease losses	$240,000	3,319
Total noninterest income	$3,029,000	1,584
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$514,000	3,083
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,515,000	1,124
Total noninterest expense	$9,457,000	1,714
Salaries and employee benefits	$5,455,000	1,615
Premises and equipment expense	$1,560,000	1,479
Additional noninterest expense	$2,442,000	2,005
Pre-tax net operating income	$6,066,000	1,417
Securities gains (losses)	$27,000	2,202
Applicable income taxes	$2,067,000	1,235
Income before extraordinary items	$4,026,000	1,607
Extraordinary gains, net	$0	34
Net income	$4,026,000	1,608
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	5,577
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$-81,000	8,895
Net operating income	$4,008,180	1,570
2004-09-30 (YTD Data)		Rank
Total interest income	$12,436,000	1,704
Total interest expense	$3,124,000	1,918
Net interest income	$9,312,000	1,632
Provision for loan and lease losses	$180,000	3,152
Total noninterest income	$2,085,000	1,718
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$391,000	3,064
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,694,000	1,211
Total noninterest expense	$6,945,000	1,739
Salaries and employee benefits	$4,050,000	1,635
Premises and equipment expense	$1,140,000	1,522
Additional noninterest expense	$1,755,000	2,058
Pre-tax net operating income	$4,272,000	1,506
Securities gains (losses)	$27,000	2,115
Applicable income taxes	$1,399,000	1,363
Income before extraordinary items	$2,900,000	1,673
Extraordinary gains, net	$0	26
Net income	$2,900,000	1,674
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	4,796
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$-223,000	8,984
Net operating income	$2,881,910	1,643
2004-06-30 (YTD Data)		Rank
Total interest income	$8,032,000	1,757
Total interest expense	$1,977,000	1,989
Net interest income	$6,055,000	1,658
Provision for loan and lease losses	$120,000	3,090
Total noninterest income	$1,355,000	1,738
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$248,000	3,171
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,107,000	1,236
Total noninterest expense	$4,489,000	1,784
Salaries and employee benefits	$2,658,000	1,656
Premises and equipment expense	$724,000	1,599
Additional noninterest expense	$1,107,000	2,184
Pre-tax net operating income	$2,801,000	1,512
Securities gains (losses)	$0	3,413
Applicable income taxes	$904,000	1,393
Income before extraordinary items	$1,897,000	1,692
Extraordinary gains, net	$0	21
Net income	$1,897,000	1,693
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$-348,000	9,057
Net operating income	$1,897,000	1,634
2004-03-31 (YTD Data)		Rank
Total interest income	$3,988,000	1,769
Total interest expense	$971,000	2,058
Net interest income	$3,017,000	1,653
Provision for loan and lease losses	$60,000	2,918
Total noninterest income	$609,000	1,855
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$127,000	3,037
Trading account gains and fees	$0	121
Additional Noninterest Income	$482,000	1,328
Total noninterest expense	$2,208,000	1,820
Salaries and employee benefits	$1,290,000	1,725
Premises and equipment expense	$366,000	1,609
Additional noninterest expense	$552,000	2,150
Pre-tax net operating income	$1,358,000	1,527
Securities gains (losses)	$0	2,934
Applicable income taxes	$437,000	1,449
Income before extraordinary items	$921,000	1,708
Extraordinary gains, net	$0	16
Net income	$921,000	1,708
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$-87,000	9,092
Net operating income	$921,000	1,625
2003-12-31 (YTD Data)		Rank
Total interest income	$14,387,000	1,963
Total interest expense	$4,116,000	2,161
Net interest income	$10,271,000	1,896
Provision for loan and lease losses	$240,000	3,615
Total noninterest income	$2,957,000	1,711
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$559,000	2,846
Trading account gains and fees	$0	160
Additional Noninterest Income	$2,398,000	1,272
Total noninterest expense	$7,693,000	2,054
Salaries and employee benefits	$4,535,000	1,898
Premises and equipment expense	$1,279,000	1,780
Additional noninterest expense	$1,879,000	2,537
Pre-tax net operating income	$5,295,000	1,543
Securities gains (losses)	$0	4,500
Applicable income taxes	$1,881,000	1,344
Income before extraordinary items	$3,414,000	1,820
Extraordinary gains, net	$0	54
Net income	$3,414,000	1,823
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$123,000	3,706
Cash dividends	$139,000	5,315
Sale, conversion, retirement of capital stock, net	$-103,000	9,110
Net operating income	$3,414,000	1,736
2003-09-30 (YTD Data)		Rank
Total interest income	$10,668,000	2,028
Total interest expense	$3,144,000	2,199
Net interest income	$7,524,000	1,953
Provision for loan and lease losses	$180,000	3,498
Total noninterest income	$2,344,000	1,666
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$429,000	2,808
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,915,000	1,271
Total noninterest expense	$5,824,000	2,036
Salaries and employee benefits	$3,435,000	1,882
Premises and equipment expense	$956,000	1,794
Additional noninterest expense	$1,433,000	2,498
Pre-tax net operating income	$3,864,000	1,639
Securities gains (losses)	$0	4,204
Applicable income taxes	$1,368,000	1,438
Income before extraordinary items	$2,496,000	1,930
Extraordinary gains, net	$0	40
Net income	$2,496,000	1,929
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	3,249
Cash dividends	$139,000	4,468
Sale, conversion, retirement of capital stock, net	$-4,000	9,126
Net operating income	$2,496,000	1,823
2003-06-30 (YTD Data)		Rank
Total interest income	$7,061,000	2,062
Total interest expense	$2,124,000	2,236
Net interest income	$4,937,000	1,979
Provision for loan and lease losses	$120,000	3,448
Total noninterest income	$1,470,000	1,745
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$304,000	2,617
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,166,000	1,361
Total noninterest expense	$3,818,000	2,064
Salaries and employee benefits	$2,221,000	1,915
Premises and equipment expense	$646,000	1,759
Additional noninterest expense	$951,000	2,481
Pre-tax net operating income	$2,469,000	1,693
Securities gains (losses)	$0	3,782
Applicable income taxes	$872,000	1,511
Income before extraordinary items	$1,597,000	1,992
Extraordinary gains, net	$0	30
Net income	$1,597,000	1,991
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,737
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$-188,000	9,222
Net operating income	$1,597,000	1,881
2003-03-31 (YTD Data)		Rank
Total interest income	$3,527,000	2,084
Total interest expense	$1,074,000	2,261
Net interest income	$2,453,000	2,002
Provision for loan and lease losses	$60,000	3,248
Total noninterest income	$660,000	1,865
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$146,000	2,632
Trading account gains and fees	$0	134
Additional Noninterest Income	$514,000	1,455
Total noninterest expense	$1,860,000	2,106
Salaries and employee benefits	$1,084,000	1,962
Premises and equipment expense	$326,000	1,755
Additional noninterest expense	$450,000	2,566
Pre-tax net operating income	$1,193,000	1,760
Securities gains (losses)	$0	2,891
Applicable income taxes	$421,000	1,557
Income before extraordinary items	$772,000	2,032
Extraordinary gains, net	$0	21
Net income	$772,000	2,030
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	$-159,000	9,283
Net operating income	$772,000	1,914
2002-12-31 (YTD Data)		Rank
Total interest income	$14,308,000	2,144
Total interest expense	$4,883,000	2,300
Net interest income	$9,425,000	2,059
Provision for loan and lease losses	$240,000	3,935
Total noninterest income	$1,823,000	2,302
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$517,000	2,894
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,306,000	1,832
Total noninterest expense	$6,562,000	2,278
Salaries and employee benefits	$3,528,000	2,263
Premises and equipment expense	$1,208,000	1,837
Additional noninterest expense	$1,826,000	2,514
Pre-tax net operating income	$4,446,000	1,819
Securities gains (losses)	$0	4,537
Applicable income taxes	$1,606,000	1,561
Income before extraordinary items	$2,840,000	2,104
Extraordinary gains, net	$0	70
Net income	$2,840,000	2,103
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	8,917
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$16,000	784
Net operating income	$2,840,000	2,033
2001-12-31 (YTD Data)		Rank
Total interest income	$14,796,000	2,318
Total interest expense	$6,741,000	2,375
Net interest income	$8,055,000	2,227
Provision for loan and lease losses	$300,000	3,194
Total noninterest income	$1,505,000	2,502
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$402,000	3,384
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,103,000	1,904
Total noninterest expense	$5,871,000	2,425
Salaries and employee benefits	$3,033,000	2,482
Premises and equipment expense	$1,035,000	2,059
Additional noninterest expense	$1,803,000	2,469
Pre-tax net operating income	$3,389,000	2,028
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,237,000	1,767
Income before extraordinary items	$2,152,000	2,376
Extraordinary gains, net	$0	105
Net income	$2,152,000	2,380
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,336
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$-63,000	9,487
Net operating income	$2,152,000	2,299
2000-12-31 (YTD Data)		Rank
Total interest income	$12,792,000	2,721
Total interest expense	$5,624,000	2,952
Net interest income	$7,168,000	2,481
Provision for loan and lease losses	$216,000	3,567
Total noninterest income	$1,160,000	2,832
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$326,000	3,804
Trading account gains and fees	$0	180
Additional Noninterest Income	$834,000	2,101
Total noninterest expense	$5,416,000	2,519
Salaries and employee benefits	$2,547,000	2,787
Premises and equipment expense	$1,003,000	2,054
Additional noninterest expense	$1,866,000	2,302
Pre-tax net operating income	$2,696,000	2,605
Securities gains (losses)	$26,000	887
Applicable income taxes	$992,000	2,136
Income before extraordinary items	$1,730,000	2,889
Extraordinary gains, net	$0	38
Net income	$1,730,000	2,888
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	5,771
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$-20,000	9,750
Net operating income	$1,713,360	2,901
1999-12-31 (YTD Data)		Rank
Total interest income	$10,133,000	3,186
Total interest expense	$4,504,000	3,238
Net interest income	$5,629,000	3,079
Provision for loan and lease losses	$189,000	3,688
Total noninterest income	$1,522,000	2,273
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$452,000	2,877
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,070,000	1,776
Total noninterest expense	$4,693,000	2,878
Salaries and employee benefits	$2,238,000	3,104
Premises and equipment expense	$845,000	2,385
Additional noninterest expense	$1,610,000	2,680
Pre-tax net operating income	$2,269,000	3,021
Securities gains (losses)	$17,000	1,477
Applicable income taxes	$839,000	2,540
Income before extraordinary items	$1,447,000	3,327
Extraordinary gains, net	$0	35
Net income	$1,447,000	3,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	5,930
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$41,000	866
Net operating income	$1,436,120	3,320
1998-12-31 (YTD Data)		Rank
Total interest income	$8,331,000	3,791
Total interest expense	$3,719,000	3,912
Net interest income	$4,612,000	3,659
Provision for loan and lease losses	$178,000	3,829
Total noninterest income	$1,005,000	3,067
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$306,000	3,886
Trading account gains and fees	NA	NA
Additional Noninterest Income	$699,000	2,392
Total noninterest expense	$3,860,000	3,318
Salaries and employee benefits	$1,970,000	3,394
Premises and equipment expense	$636,000	3,003
Additional noninterest expense	$1,254,000	3,246
Pre-tax net operating income	$1,579,000	4,021
Securities gains (losses)	$0	4,449
Applicable income taxes	$579,000	3,496
Income before extraordinary items	$1,000,000	4,536
Extraordinary gains, net	$0	32
Net income	$1,000,000	4,535
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	5,759
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$4,841,000	245
Net operating income	$1,000,000	4,424
1997-12-31 (YTD Data)		Rank
Total interest income	$6,645,000	4,697
Total interest expense	$3,082,000	4,592
Net interest income	$3,563,000	4,663
Provision for loan and lease losses	$169,000	3,884
Total noninterest income	$440,000	5,405
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$282,000	4,261
Trading account gains and fees	NA	NA
Additional Noninterest Income	$158,000	5,563
Total noninterest expense	$2,950,000	4,146
Salaries and employee benefits	$1,519,000	4,206
Premises and equipment expense	$618,000	3,061
Additional noninterest expense	$813,000	4,666
Pre-tax net operating income	$884,000	6,203
Securities gains (losses)	$12,000	2,240
Applicable income taxes	$304,000	5,690
Income before extraordinary items	$592,000	6,417
Extraordinary gains, net	$0	44
Net income	$592,000	6,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	10,102
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$2,000	1,010
Net operating income	$584,080	6,400
1996-12-31 (YTD Data)		Rank
Total interest income	$5,804,000	5,304
Total interest expense	$3,021,000	4,758
Net interest income	$2,783,000	5,758
Provision for loan and lease losses	$135,000	4,332
Total noninterest income	$401,000	5,938
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$265,000	4,613
Trading account gains and fees	NA	NA
Additional Noninterest Income	$136,000	6,251
Total noninterest expense	$3,002,000	4,312
Salaries and employee benefits	$1,548,000	4,191
Premises and equipment expense	$564,000	3,405
Additional noninterest expense	$890,000	4,801
Pre-tax net operating income	$47,000	10,618
Securities gains (losses)	$0	4,148
Applicable income taxes	$19,000	10,217
Income before extraordinary items	$28,000	10,685
Extraordinary gains, net	$0	53
Net income	$28,000	10,682
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	4,297
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$28,000	10,636
1995-12-31 (YTD Data)		Rank
Total interest income	$5,214,000	5,815
Total interest expense	$2,801,000	5,056
Net interest income	$2,413,000	6,458
Provision for loan and lease losses	$108,000	4,448
Total noninterest income	$361,000	6,359
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$252,000	4,918
Trading account gains and fees	NA	NA
Additional Noninterest Income	$109,000	6,966
Total noninterest expense	$2,372,000	5,221
Salaries and employee benefits	$1,191,000	5,246
Premises and equipment expense	$423,000	4,322
Additional noninterest expense	$758,000	5,477
Pre-tax net operating income	$294,000	9,785
Securities gains (losses)	$0	3,831
Applicable income taxes	$-143,000	11,753
Income before extraordinary items	$437,000	7,755
Extraordinary gains, net	$0	65
Net income	$437,000	7,754
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,000	4,113
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$437,000	7,723
1994-12-31 (YTD Data)		Rank
Total interest income	$4,111,000	6,563
Total interest expense	$1,801,000	6,069
Net interest income	$2,310,000	6,845
Provision for loan and lease losses	$90,000	4,765
Total noninterest income	$284,000	7,473
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$194,000	5,987
Trading account gains and fees	NA	NA
Additional Noninterest Income	$90,000	7,838
Total noninterest expense	$2,174,000	5,813
Salaries and employee benefits	$1,083,000	5,715
Premises and equipment expense	$427,000	4,344
Additional noninterest expense	$664,000	6,579
Pre-tax net operating income	$330,000	9,909
Securities gains (losses)	$0	3,600
Applicable income taxes	$0	11,630
Income before extraordinary items	$330,000	8,822
Extraordinary gains, net	$0	249
Net income	$330,000	8,825
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	11,219
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$330,000	8,882
1993-12-31 (YTD Data)		Rank
Total interest income	$3,468,000	7,577
Total interest expense	$1,551,000	7,051
Net interest income	$1,917,000	7,920
Provision for loan and lease losses	$75,000	6,449
Total noninterest income	$193,000	9,352
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$162,000	6,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	11,240
Total noninterest expense	$2,034,000	6,242
Salaries and employee benefits	$1,008,000	6,088
Premises and equipment expense	$422,000	4,499
Additional noninterest expense	$604,000	7,291
Pre-tax net operating income	$1,000	12,387
Securities gains (losses)	$120,000	2,257
Applicable income taxes	$49,000	10,966
Income before extraordinary items	$72,000	12,084
Extraordinary gains, net	$49,000	2,196
Net income	$121,000	11,616
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	5,803
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-4,800	12,413
1992-12-31 (YTD Data)		Rank
Total interest income	$2,826,000	9,274
Total interest expense	$1,293,000	9,263
Net interest income	$1,533,000	9,170
Provision for loan and lease losses	$48,000	9,164
Total noninterest income	$112,000	11,406
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	8,723
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	12,651
Total noninterest expense	$1,566,000	7,685
Salaries and employee benefits	$761,000	7,529
Premises and equipment expense	$356,000	5,305
Additional noninterest expense	$449,000	8,975
Pre-tax net operating income	$31,000	12,528
Securities gains (losses)	$20,000	5,594
Applicable income taxes	$20,000	12,109
Income before extraordinary items	$31,000	12,703
Extraordinary gains, net	$20,000	1,231
Net income	$51,000	12,566
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	9,616
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$18,200	12,551

* 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.