Home > First Ipswich Bank > Income and Expense

First Ipswich Bank, Income and Expense

2019-12-31 (YTD Data)		Rank
Total interest income	$17,005,000	1,742
Total interest expense	$4,350,000	1,384
Net interest income	$12,655,000	1,848
Provision for loan and lease losses	$94,000	3,009
Total noninterest income	$1,801,000	2,082
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$576,000	1,724
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,225,000	2,021
Total noninterest expense	$12,508,000	1,584
Salaries and employee benefits	$7,629,000	1,510
Premises and equipment expense	$1,933,000	1,204
Additional noninterest expense	$2,946,000	1,956
Pre-tax net operating income	$1,854,000	3,120
Securities gains (losses)	$15,000	1,739
Applicable income taxes	$445,000	2,083
Income before extraordinary items	$1,424,000	3,335
Extraordinary gains, net	$0	11
Net income	$1,424,000	3,336
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,424,000	3,336
Net charge-offs	$954,000	678
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,412,150	3,322
2019-09-30 (YTD Data)		Rank
Total interest income	$12,771,000	1,759
Total interest expense	$3,183,000	1,420
Net interest income	$9,588,000	1,859
Provision for loan and lease losses	$169,000	2,158
Total noninterest income	$1,421,000	2,024
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$434,000	1,729
Trading account gains and fees	NA	NA
Additional Noninterest Income	$987,000	1,933
Total noninterest expense	$9,680,000	1,555
Salaries and employee benefits	$5,850,000	1,486
Premises and equipment expense	$1,462,000	1,206
Additional noninterest expense	$2,368,000	1,823
Pre-tax net operating income	$1,160,000	3,442
Securities gains (losses)	$17,000	1,491
Applicable income taxes	$276,000	2,296
Income before extraordinary items	$901,000	3,648
Extraordinary gains, net	$0	11
Net income	$901,000	3,647
Minority interest net income	$0	72
Net income of bank and minority interests.	$901,000	3,648
Net charge-offs	$954,000	509
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$887,570	3,636
2019-06-30 (YTD Data)		Rank
Total interest income	$8,354,000	1,787
Total interest expense	$1,990,000	1,466
Net interest income	$6,364,000	1,871
Provision for loan and lease losses	$170,000	1,708
Total noninterest income	$925,000	2,038
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$285,000	1,729
Trading account gains and fees	NA	NA
Additional Noninterest Income	$640,000	1,948
Total noninterest expense	$6,432,000	1,560
Salaries and employee benefits	$3,898,000	1,491
Premises and equipment expense	$1,000,000	1,183
Additional noninterest expense	$1,534,000	1,900
Pre-tax net operating income	$687,000	3,597
Securities gains (losses)	$13,000	1,155
Applicable income taxes	$165,000	2,339
Income before extraordinary items	$535,000	3,783
Extraordinary gains, net	$0	11
Net income	$535,000	3,782
Minority interest net income	$0	69
Net income of bank and minority interests.	$535,000	3,782
Net charge-offs	$900,000	371
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$524,730	3,784
2019-03-31 (YTD Data)		Rank
Total interest income	$4,142,000	1,809
Total interest expense	$936,000	1,507
Net interest income	$3,206,000	1,862
Provision for loan and lease losses	$50,000	2,037
Total noninterest income	$528,000	1,863
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$143,000	1,705
Trading account gains and fees	NA	NA
Additional Noninterest Income	$385,000	1,703
Total noninterest expense	$3,211,000	1,564
Salaries and employee benefits	$1,948,000	1,503
Premises and equipment expense	$504,000	1,186
Additional noninterest expense	$759,000	1,901
Pre-tax net operating income	$473,000	3,144
Securities gains (losses)	$6,000	809
Applicable income taxes	$118,000	2,032
Income before extraordinary items	$361,000	3,373
Extraordinary gains, net	$0	5
Net income	$361,000	3,372
Minority interest net income	$0	52
Net income of bank and minority interests.	$361,000	3,372
Net charge-offs	$856,000	239
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$356,260	3,381
2018-12-31 (YTD Data)		Rank
Total interest income	$15,719,000	1,800
Total interest expense	$2,833,000	1,495
Net interest income	$12,886,000	1,830
Provision for loan and lease losses	$696,000	1,165
Total noninterest income	$2,276,000	1,851
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$632,000	1,671
Trading account gains and fees	$387,000	98
Additional Noninterest Income	$1,257,000	1,994
Total noninterest expense	$12,207,000	1,589
Salaries and employee benefits	$7,175,000	1,564
Premises and equipment expense	$1,900,000	1,232
Additional noninterest expense	$3,132,000	1,843
Pre-tax net operating income	$2,259,000	2,942
Securities gains (losses)	$48,000	427
Applicable income taxes	$519,000	1,944
Income before extraordinary items	$1,788,000	3,108
Extraordinary gains, net	$0	6
Net income	$1,788,000	3,107
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,788,000	3,107
Net charge-offs	$522,000	924
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,750,080	3,132
2018-09-30 (YTD Data)		Rank
Total interest income	$11,563,000	1,806
Total interest expense	$1,996,000	1,488
Net interest income	$9,567,000	1,845
Provision for loan and lease losses	$743,000	829
Total noninterest income	$1,688,000	1,876
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$475,000	1,681
Trading account gains and fees	$377,000	97
Additional Noninterest Income	$836,000	2,154
Total noninterest expense	$9,001,000	1,616
Salaries and employee benefits	$5,319,000	1,582
Premises and equipment expense	$1,430,000	1,225
Additional noninterest expense	$2,252,000	1,917
Pre-tax net operating income	$1,511,000	3,180
Securities gains (losses)	$-24,000	4,966
Applicable income taxes	$325,000	2,159
Income before extraordinary items	$1,162,000	3,368
Extraordinary gains, net	$0	5
Net income	$1,162,000	3,367
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,162,000	3,367
Net charge-offs	$208,000	1,223
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,180,960	3,343
2018-06-30 (YTD Data)		Rank
Total interest income	$7,468,000	1,842
Total interest expense	$1,257,000	1,489
Net interest income	$6,211,000	1,892
Provision for loan and lease losses	$32,000	3,081
Total noninterest income	$870,000	2,166
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$320,000	1,645
Trading account gains and fees	$10,000	125
Additional Noninterest Income	$540,000	2,191
Total noninterest expense	$5,964,000	1,632
Salaries and employee benefits	$3,541,000	1,600
Premises and equipment expense	$933,000	1,253
Additional noninterest expense	$1,490,000	1,936
Pre-tax net operating income	$1,085,000	3,044
Securities gains (losses)	$0	961
Applicable income taxes	$251,000	2,019
Income before extraordinary items	$834,000	3,230
Extraordinary gains, net	$0	6
Net income	$834,000	3,228
Minority interest net income	$0	65
Net income of bank and minority interests.	$834,000	3,229
Net charge-offs	$186,000	979
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$834,000	3,225
2018-03-31 (YTD Data)		Rank
Total interest income	$3,571,000	1,898
Total interest expense	$587,000	1,513
Net interest income	$2,984,000	1,954
Provision for loan and lease losses	$-213,000	5,530
Total noninterest income	$414,000	2,208
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$159,000	1,655
Trading account gains and fees	$4,000	118
Additional Noninterest Income	$251,000	2,219
Total noninterest expense	$2,961,000	1,651
Salaries and employee benefits	$1,763,000	1,626
Premises and equipment expense	$493,000	1,214
Additional noninterest expense	$705,000	2,027
Pre-tax net operating income	$650,000	2,692
Securities gains (losses)	$0	735
Applicable income taxes	$153,000	1,810
Income before extraordinary items	$497,000	2,907
Extraordinary gains, net	$0	7
Net income	$497,000	2,907
Minority interest net income	$0	52
Net income of bank and minority interests.	$497,000	2,907
Net charge-offs	$1,000	2,559
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$497,000	2,895
2017-12-31 (YTD Data)		Rank
Total interest income	$14,179,000	1,862
Total interest expense	$2,143,000	1,452
Net interest income	$12,036,000	1,903
Provision for loan and lease losses	$2,314,000	464
Total noninterest income	$1,725,000	2,219
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$565,000	1,861
Trading account gains and fees	$9,000	140
Additional Noninterest Income	$1,151,000	2,118
Total noninterest expense	$12,376,000	1,588
Salaries and employee benefits	$6,922,000	1,599
Premises and equipment expense	$1,896,000	1,224
Additional noninterest expense	$3,558,000	1,686
Pre-tax net operating income	$-929,000	5,602
Securities gains (losses)	$0	2,243
Applicable income taxes	$52,000	3,514
Income before extraordinary items	$-981,000	5,574
Extraordinary gains, net	$0	9
Net income	$-981,000	5,574
Minority interest net income	$0	76
Net income of bank and minority interests.	$-981,000	5,574
Net charge-offs	$1,831,000	435
Cash dividends	$150,000	3,758
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$-981,000	5,573
2017-09-30 (YTD Data)		Rank
Total interest income	$10,408,000	1,893
Total interest expense	$1,537,000	1,486
Net interest income	$8,871,000	1,940
Provision for loan and lease losses	$2,075,000	388
Total noninterest income	$1,261,000	2,274
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$420,000	1,880
Trading account gains and fees	$6,000	140
Additional Noninterest Income	$835,000	2,188
Total noninterest expense	$9,264,000	1,601
Salaries and employee benefits	$5,246,000	1,590
Premises and equipment expense	$1,401,000	1,254
Additional noninterest expense	$2,617,000	1,711
Pre-tax net operating income	$-1,207,000	5,691
Securities gains (losses)	$0	2,274
Applicable income taxes	$-491,000	5,703
Income before extraordinary items	$-716,000	5,670
Extraordinary gains, net	$0	9
Net income	$-716,000	5,670
Minority interest net income	$0	71
Net income of bank and minority interests.	$-716,000	5,670
Net charge-offs	$401,000	934
Cash dividends	$150,000	3,246
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$-716,000	5,669
2017-06-30 (YTD Data)		Rank
Total interest income	$6,849,000	1,900
Total interest expense	$936,000	1,555
Net interest income	$5,913,000	1,935
Provision for loan and lease losses	$1,653,000	329
Total noninterest income	$784,000	2,381
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$278,000	1,877
Trading account gains and fees	$5,000	134
Additional Noninterest Income	$501,000	2,331
Total noninterest expense	$6,049,000	1,628
Salaries and employee benefits	$3,398,000	1,647
Premises and equipment expense	$924,000	1,276
Additional noninterest expense	$1,727,000	1,715
Pre-tax net operating income	$-1,005,000	5,747
Securities gains (losses)	$0	1,906
Applicable income taxes	$-411,000	5,759
Income before extraordinary items	$-594,000	5,730
Extraordinary gains, net	$0	11
Net income	$-594,000	5,730
Minority interest net income	$0	71
Net income of bank and minority interests.	$-594,000	5,730
Net charge-offs	$-337,000	5,678
Cash dividends	$150,000	2,979
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$-594,000	5,731
2017-03-31 (YTD Data)		Rank
Total interest income	$3,259,000	1,957
Total interest expense	$419,000	1,698
Net interest income	$2,840,000	1,992
Provision for loan and lease losses	$1,486,000	214
Total noninterest income	$388,000	2,373
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$140,000	1,862
Trading account gains and fees	$2,000	138
Additional Noninterest Income	$246,000	2,334
Total noninterest expense	$2,875,000	1,709
Salaries and employee benefits	$1,637,000	1,714
Premises and equipment expense	$428,000	1,372
Additional noninterest expense	$810,000	1,822
Pre-tax net operating income	$-1,133,000	5,836
Securities gains (losses)	$0	1,153
Applicable income taxes	$-459,000	5,834
Income before extraordinary items	$-674,000	5,817
Extraordinary gains, net	$0	8
Net income	$-674,000	5,817
Minority interest net income	$0	55
Net income of bank and minority interests.	$-674,000	5,817
Net charge-offs	$0	2,943
Cash dividends	$150,000	2,123
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$-674,000	5,817
2016-12-31 (YTD Data)		Rank
Total interest income	$12,750,000	1,971
Total interest expense	$1,618,000	1,699
Net interest income	$11,132,000	1,990
Provision for loan and lease losses	$1,524,000	640
Total noninterest income	$2,089,000	2,064
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$589,000	1,821
Trading account gains and fees	$342,000	116
Additional Noninterest Income	$1,158,000	2,220
Total noninterest expense	$10,985,000	1,740
Salaries and employee benefits	$6,256,000	1,716
Premises and equipment expense	$1,554,000	1,468
Additional noninterest expense	$3,175,000	1,883
Pre-tax net operating income	$712,000	4,488
Securities gains (losses)	$0	3,212
Applicable income taxes	$241,000	2,802
Income before extraordinary items	$471,000	4,776
Extraordinary gains, net	$0	5
Net income	$471,000	4,775
Minority interest net income	$0	82
Net income of bank and minority interests.	$471,000	4,775
Net charge-offs	$1,691,000	438
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$471,000	4,735
2016-09-30 (YTD Data)		Rank
Total interest income	$9,616,000	1,961
Total interest expense	$1,208,000	1,694
Net interest income	$8,408,000	1,978
Provision for loan and lease losses	$1,065,000	654
Total noninterest income	$1,656,000	1,996
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$441,000	1,831
Trading account gains and fees	$337,000	103
Additional Noninterest Income	$878,000	2,201
Total noninterest expense	$8,320,000	1,734
Salaries and employee benefits	$4,736,000	1,705
Premises and equipment expense	$1,165,000	1,468
Additional noninterest expense	$2,419,000	1,852
Pre-tax net operating income	$679,000	4,280
Securities gains (losses)	$0	3,160
Applicable income taxes	$232,000	2,703
Income before extraordinary items	$447,000	4,637
Extraordinary gains, net	$0	5
Net income	$447,000	4,637
Minority interest net income	$0	71
Net income of bank and minority interests.	$447,000	4,637
Net charge-offs	$-1,000	4,445
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$447,000	4,568
2016-06-30 (YTD Data)		Rank
Total interest income	$6,138,000	2,048
Total interest expense	$782,000	1,744
Net interest income	$5,356,000	2,066
Provision for loan and lease losses	$630,000	698
Total noninterest income	$1,077,000	2,009
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$293,000	1,827
Trading account gains and fees	$178,000	98
Additional Noninterest Income	$606,000	2,126
Total noninterest expense	$5,445,000	1,769
Salaries and employee benefits	$3,052,000	1,762
Premises and equipment expense	$785,000	1,456
Additional noninterest expense	$1,608,000	1,862
Pre-tax net operating income	$358,000	4,576
Securities gains (losses)	$0	2,835
Applicable income taxes	$117,000	2,896
Income before extraordinary items	$241,000	4,847
Extraordinary gains, net	$0	16
Net income	$241,000	4,847
Minority interest net income	$0	71
Net income of bank and minority interests.	$241,000	4,847
Net charge-offs	$-1,000	4,332
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$241,000	4,796
2016-03-31 (YTD Data)		Rank
Total interest income	$3,030,000	2,064
Total interest expense	$374,000	1,812
Net interest income	$2,656,000	2,082
Provision for loan and lease losses	$10,000	3,253
Total noninterest income	$475,000	2,136
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$148,000	1,811
Trading account gains and fees	$0	142
Additional Noninterest Income	$327,000	1,991
Total noninterest expense	$2,649,000	1,813
Salaries and employee benefits	$1,464,000	1,830
Premises and equipment expense	$389,000	1,487
Additional noninterest expense	$796,000	1,866
Pre-tax net operating income	$472,000	3,138
Securities gains (losses)	$0	2,077
Applicable income taxes	$176,000	1,952
Income before extraordinary items	$296,000	3,657
Extraordinary gains, net	$0	12
Net income	$296,000	3,654
Minority interest net income	$0	62
Net income of bank and minority interests.	$296,000	3,655
Net charge-offs	$0	3,094
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$296,000	3,588
2015-12-31 (YTD Data)		Rank
Total interest income	$13,419,000	1,845
Total interest expense	$1,377,000	1,903
Net interest income	$12,042,000	1,819
Provision for loan and lease losses	$468,000	1,428
Total noninterest income	$1,750,000	2,288
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$646,000	1,750
Trading account gains and fees	$38,000	132
Additional Noninterest Income	$1,066,000	2,295
Total noninterest expense	$10,423,000	1,815
Salaries and employee benefits	$5,863,000	1,777
Premises and equipment expense	$1,544,000	1,491
Additional noninterest expense	$3,016,000	1,998
Pre-tax net operating income	$2,901,000	2,372
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,080,000	1,532
Income before extraordinary items	$1,821,000	2,892
Extraordinary gains, net	$0	23
Net income	$1,821,000	2,895
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,821,000	2,895
Net charge-offs	$93,000	2,722
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,821,000	2,851
2015-09-30 (YTD Data)		Rank
Total interest income	$9,605,000	1,934
Total interest expense	$1,009,000	1,952
Net interest income	$8,596,000	1,910
Provision for loan and lease losses	$253,000	1,688
Total noninterest income	$1,312,000	2,302
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$494,000	1,740
Trading account gains and fees	$38,000	132
Additional Noninterest Income	$780,000	2,350
Total noninterest expense	$7,652,000	1,853
Salaries and employee benefits	$4,276,000	1,836
Premises and equipment expense	$1,177,000	1,479
Additional noninterest expense	$2,199,000	2,033
Pre-tax net operating income	$2,003,000	2,568
Securities gains (losses)	$0	3,031
Applicable income taxes	$748,000	1,647
Income before extraordinary items	$1,255,000	3,096
Extraordinary gains, net	$0	21
Net income	$1,255,000	3,096
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,255,000	3,097
Net charge-offs	$-11,000	5,188
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,255,000	3,047
2015-06-30 (YTD Data)		Rank
Total interest income	$6,368,000	1,934
Total interest expense	$667,000	1,973
Net interest income	$5,701,000	1,920
Provision for loan and lease losses	$58,000	2,817
Total noninterest income	$849,000	2,347
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$338,000	1,689
Trading account gains and fees	$0	157
Additional Noninterest Income	$511,000	2,386
Total noninterest expense	$5,098,000	1,869
Salaries and employee benefits	$2,842,000	1,850
Premises and equipment expense	$798,000	1,463
Additional noninterest expense	$1,458,000	2,052
Pre-tax net operating income	$1,394,000	2,474
Securities gains (losses)	$0	2,636
Applicable income taxes	$522,000	1,581
Income before extraordinary items	$872,000	3,009
Extraordinary gains, net	$0	22
Net income	$872,000	3,009
Minority interest net income	$0	75
Net income of bank and minority interests.	$872,000	3,011
Net charge-offs	$4,000	3,531
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$872,000	2,945
2015-03-31 (YTD Data)		Rank
Total interest income	$3,251,000	1,912
Total interest expense	$331,000	2,001
Net interest income	$2,920,000	1,882
Provision for loan and lease losses	$-29,000	6,134
Total noninterest income	$435,000	2,293
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$176,000	1,619
Trading account gains and fees	$0	152
Additional Noninterest Income	$259,000	2,304
Total noninterest expense	$2,493,000	1,905
Salaries and employee benefits	$1,400,000	1,880
Premises and equipment expense	$405,000	1,468
Additional noninterest expense	$688,000	2,133
Pre-tax net operating income	$891,000	2,038
Securities gains (losses)	$0	2,027
Applicable income taxes	$341,000	1,328
Income before extraordinary items	$550,000	2,543
Extraordinary gains, net	$0	13
Net income	$550,000	2,546
Minority interest net income	$0	64
Net income of bank and minority interests.	$550,000	2,545
Net charge-offs	$4,000	2,829
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$550,000	2,473
2014-12-31 (YTD Data)		Rank
Total interest income	$11,440,000	2,116
Total interest expense	$1,192,000	2,275
Net interest income	$10,248,000	2,078
Provision for loan and lease losses	$588,000	1,313
Total noninterest income	$1,770,000	2,286
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$740,000	1,678
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,030,000	2,297
Total noninterest expense	$9,107,000	2,068
Salaries and employee benefits	$4,787,000	2,130
Premises and equipment expense	$1,662,000	1,436
Additional noninterest expense	$2,658,000	2,277
Pre-tax net operating income	$2,323,000	2,726
Securities gains (losses)	$302,000	604
Applicable income taxes	$1,000,000	1,534
Income before extraordinary items	$1,625,000	3,098
Extraordinary gains, net	$0	17
Net income	$1,625,000	3,098
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,625,000	3,099
Net charge-offs	$29,000	4,113
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,431,720	3,271
2014-09-30 (YTD Data)		Rank
Total interest income	$8,536,000	2,148
Total interest expense	$883,000	2,338
Net interest income	$7,653,000	2,095
Provision for loan and lease losses	$532,000	1,083
Total noninterest income	$1,360,000	2,253
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$577,000	1,641
Trading account gains and fees	$0	174
Additional Noninterest Income	$783,000	2,291
Total noninterest expense	$7,040,000	2,021
Salaries and employee benefits	$3,612,000	2,125
Premises and equipment expense	$1,344,000	1,334
Additional noninterest expense	$2,084,000	2,164
Pre-tax net operating income	$1,441,000	3,110
Securities gains (losses)	$302,000	469
Applicable income taxes	$662,000	1,711
Income before extraordinary items	$1,081,000	3,352
Extraordinary gains, net	$0	15
Net income	$1,081,000	3,353
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,081,000	3,353
Net charge-offs	$18,000	3,882
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$887,720	3,665
2014-06-30 (YTD Data)		Rank
Total interest income	$5,564,000	2,180
Total interest expense	$581,000	2,383
Net interest income	$4,983,000	2,131
Provision for loan and lease losses	$331,000	1,153
Total noninterest income	$873,000	2,287
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$381,000	1,634
Trading account gains and fees	$0	172
Additional Noninterest Income	$492,000	2,332
Total noninterest expense	$4,819,000	1,965
Salaries and employee benefits	$2,457,000	2,102
Premises and equipment expense	$915,000	1,315
Additional noninterest expense	$1,447,000	2,088
Pre-tax net operating income	$706,000	3,583
Securities gains (losses)	$302,000	356
Applicable income taxes	$383,000	1,810
Income before extraordinary items	$625,000	3,557
Extraordinary gains, net	$0	20
Net income	$625,000	3,561
Minority interest net income	$0	80
Net income of bank and minority interests.	$625,000	3,563
Net charge-offs	$0	4,375
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$431,720	4,132
2014-03-31 (YTD Data)		Rank
Total interest income	$2,693,000	2,240
Total interest expense	$288,000	2,431
Net interest income	$2,405,000	2,199
Provision for loan and lease losses	$150,000	1,189
Total noninterest income	$405,000	2,355
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$170,000	1,767
Trading account gains and fees	$0	147
Additional Noninterest Income	$235,000	2,327
Total noninterest expense	$2,496,000	1,899
Salaries and employee benefits	$1,261,000	2,057
Premises and equipment expense	$476,000	1,296
Additional noninterest expense	$759,000	1,992
Pre-tax net operating income	$164,000	4,757
Securities gains (losses)	$0	1,715
Applicable income taxes	$62,000	2,786
Income before extraordinary items	$102,000	5,143
Extraordinary gains, net	$0	16
Net income	$102,000	5,144
Minority interest net income	$0	66
Net income of bank and minority interests.	$102,000	5,144
Net charge-offs	$0	3,660
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$102,000	5,096
2013-12-31 (YTD Data)		Rank
Total interest income	$11,195,000	2,184
Total interest expense	$1,300,000	2,422
Net interest income	$9,895,000	2,112
Provision for loan and lease losses	$918,000	1,182
Total noninterest income	$1,733,000	2,354
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$618,000	2,013
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,115,000	2,236
Total noninterest expense	$9,795,000	1,934
Salaries and employee benefits	$5,491,000	1,861
Premises and equipment expense	$1,647,000	1,439
Additional noninterest expense	$2,657,000	2,321
Pre-tax net operating income	$915,000	4,210
Securities gains (losses)	$0	3,182
Applicable income taxes	$349,000	2,490
Income before extraordinary items	$566,000	4,732
Extraordinary gains, net	$0	29
Net income	$566,000	4,736
Minority interest net income	$0	90
Net income of bank and minority interests.	$566,000	4,736
Net charge-offs	$24,000	4,767
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$566,000	4,662
2013-09-30 (YTD Data)		Rank
Total interest income	$8,575,000	2,154
Total interest expense	$969,000	2,500
Net interest income	$7,606,000	2,073
Provision for loan and lease losses	$575,000	1,372
Total noninterest income	$1,297,000	2,408
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$451,000	2,066
Trading account gains and fees	$0	180
Additional Noninterest Income	$846,000	2,280
Total noninterest expense	$7,575,000	1,880
Salaries and employee benefits	$4,233,000	1,815
Premises and equipment expense	$1,226,000	1,468
Additional noninterest expense	$2,116,000	2,197
Pre-tax net operating income	$753,000	4,155
Securities gains (losses)	$0	3,040
Applicable income taxes	$287,000	2,466
Income before extraordinary items	$466,000	4,696
Extraordinary gains, net	$0	25
Net income	$466,000	4,698
Minority interest net income	$0	84
Net income of bank and minority interests.	$466,000	4,699
Net charge-offs	$2,000	5,070
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$466,000	4,619
2013-06-30 (YTD Data)		Rank
Total interest income	$5,755,000	2,142
Total interest expense	$651,000	2,542
Net interest income	$5,104,000	2,053
Provision for loan and lease losses	$136,000	2,594
Total noninterest income	$896,000	2,378
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$308,000	1,997
Trading account gains and fees	$0	157
Additional Noninterest Income	$588,000	2,261
Total noninterest expense	$5,194,000	1,843
Salaries and employee benefits	$2,257,000	2,259
Premises and equipment expense	$825,000	1,457
Additional noninterest expense	$2,112,000	1,549
Pre-tax net operating income	$670,000	3,647
Securities gains (losses)	$0	2,791
Applicable income taxes	$255,000	2,191
Income before extraordinary items	$415,000	4,261
Extraordinary gains, net	$0	22
Net income	$415,000	4,263
Minority interest net income	$0	82
Net income of bank and minority interests.	$415,000	4,264
Net charge-offs	$-2,000	5,680
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$415,000	4,149
2013-03-31 (YTD Data)		Rank
Total interest income	$2,758,000	2,253
Total interest expense	$328,000	2,584
Net interest income	$2,430,000	2,162
Provision for loan and lease losses	$110,000	1,955
Total noninterest income	$409,000	2,519
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$161,000	1,923
Trading account gains and fees	$0	148
Additional Noninterest Income	$248,000	2,481
Total noninterest expense	$2,624,000	1,848
Salaries and employee benefits	$1,349,000	1,923
Premises and equipment expense	$453,000	1,342
Additional noninterest expense	$822,000	1,905
Pre-tax net operating income	$105,000	5,270
Securities gains (losses)	$0	1,966
Applicable income taxes	$42,000	3,110
Income before extraordinary items	$63,000	5,678
Extraordinary gains, net	$0	10
Net income	$63,000	5,680
Minority interest net income	$0	76
Net income of bank and minority interests.	$63,000	5,680
Net charge-offs	$-2,000	5,471
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$63,000	5,580
2012-12-31 (YTD Data)		Rank
Total interest income	$12,347,000	2,112
Total interest expense	$1,487,000	2,738
Net interest income	$10,860,000	2,005
Provision for loan and lease losses	$414,000	2,976
Total noninterest income	$1,572,000	2,536
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$611,000	2,120
Trading account gains and fees	$0	166
Additional Noninterest Income	$961,000	2,425
Total noninterest expense	$9,626,000	1,989
Salaries and employee benefits	$5,017,000	2,008
Premises and equipment expense	$1,339,000	1,763
Additional noninterest expense	$3,270,000	1,999
Pre-tax net operating income	$2,392,000	2,494
Securities gains (losses)	$0	3,810
Applicable income taxes	$854,000	1,618
Income before extraordinary items	$1,538,000	3,079
Extraordinary gains, net	$0	29
Net income	$1,538,000	3,077
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,538,000	3,078
Net charge-offs	$-124,000	6,962
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,538,000	2,948
2012-09-30 (YTD Data)		Rank
Total interest income	$9,378,000	2,133
Total interest expense	$1,127,000	2,816
Net interest income	$8,251,000	2,014
Provision for loan and lease losses	$176,000	3,695
Total noninterest income	$848,000	3,062
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$443,000	2,208
Trading account gains and fees	$0	157
Additional Noninterest Income	$405,000	3,249
Total noninterest expense	$7,055,000	2,034
Salaries and employee benefits	$3,927,000	1,923
Premises and equipment expense	$1,037,000	1,713
Additional noninterest expense	$2,091,000	2,323
Pre-tax net operating income	$1,868,000	2,475
Securities gains (losses)	$0	3,575
Applicable income taxes	$707,000	1,572
Income before extraordinary items	$1,161,000	3,143
Extraordinary gains, net	$0	20
Net income	$1,161,000	3,142
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,161,000	3,141
Net charge-offs	$-122,000	7,060
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,161,000	2,995
2012-06-30 (YTD Data)		Rank
Total interest income	$5,546,000	2,394
Total interest expense	$749,000	2,909
Net interest income	$4,797,000	2,270
Provision for loan and lease losses	$-22,000	7,046
Total noninterest income	$889,000	2,333
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$322,000	2,035
Trading account gains and fees	$0	153
Additional Noninterest Income	$567,000	2,166
Total noninterest expense	$5,213,000	1,843
Salaries and employee benefits	$2,684,000	1,867
Premises and equipment expense	$749,000	1,589
Additional noninterest expense	$1,780,000	1,869
Pre-tax net operating income	$495,000	4,137
Securities gains (losses)	$0	3,178
Applicable income taxes	$210,000	2,404
Income before extraordinary items	$285,000	4,885
Extraordinary gains, net	$0	19
Net income	$285,000	4,888
Minority interest net income	$0	84
Net income of bank and minority interests.	$285,000	4,888
Net charge-offs	$-82,000	7,064
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$285,000	4,699
2012-03-31 (YTD Data)		Rank
Total interest income	$2,638,000	2,532
Total interest expense	$375,000	3,004
Net interest income	$2,263,000	2,419
Provision for loan and lease losses	$-26,000	7,144
Total noninterest income	$423,000	2,399
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$166,000	1,976
Trading account gains and fees	$0	148
Additional Noninterest Income	$257,000	2,306
Total noninterest expense	$2,781,000	1,739
Salaries and employee benefits	$1,394,000	1,800
Premises and equipment expense	$484,000	1,238
Additional noninterest expense	$903,000	1,834
Pre-tax net operating income	$-69,000	6,663
Securities gains (losses)	$0	2,210
Applicable income taxes	$-24,000	7,044
Income before extraordinary items	$-45,000	6,700
Extraordinary gains, net	$0	19
Net income	$-45,000	6,702
Minority interest net income	$0	78
Net income of bank and minority interests.	$-45,000	6,702
Net charge-offs	$-40,000	7,035
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$-45,000	6,617
2011-12-31 (YTD Data)		Rank
Total interest income	$9,487,000	2,895
Total interest expense	$1,282,000	3,815
Net interest income	$8,205,000	2,666
Provision for loan and lease losses	$424,000	3,677
Total noninterest income	$1,641,000	2,314
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$797,000	1,789
Trading account gains and fees	$0	146
Additional Noninterest Income	$844,000	2,366
Total noninterest expense	$8,467,000	2,250
Salaries and employee benefits	$4,304,000	2,252
Premises and equipment expense	$909,000	2,615
Additional noninterest expense	$3,254,000	2,052
Pre-tax net operating income	$955,000	3,815
Securities gains (losses)	$0	3,838
Applicable income taxes	$391,000	2,265
Income before extraordinary items	$564,000	4,484
Extraordinary gains, net	$0	29
Net income	$564,000	4,486
Minority interest net income	$0	96
Net income of bank and minority interests.	$564,000	4,486
Net charge-offs	$0	6,441
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$564,000	4,362
2011-09-30 (YTD Data)		Rank
Total interest income	$6,699,000	3,076
Total interest expense	$882,000	4,139
Net interest income	$5,817,000	2,818
Provision for loan and lease losses	$359,000	3,388
Total noninterest income	$1,149,000	2,411
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$566,000	1,871
Trading account gains and fees	$0	145
Additional Noninterest Income	$583,000	2,467
Total noninterest expense	$5,907,000	2,411
Salaries and employee benefits	$3,034,000	2,382
Premises and equipment expense	$631,000	2,823
Additional noninterest expense	$2,242,000	2,221
Pre-tax net operating income	$700,000	3,974
Securities gains (losses)	$0	3,555
Applicable income taxes	$288,000	2,313
Income before extraordinary items	$412,000	4,615
Extraordinary gains, net	$0	21
Net income	$412,000	4,616
Minority interest net income	$0	87
Net income of bank and minority interests.	$412,000	4,615
Net charge-offs	$0	6,185
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$412,000	4,491
2011-06-30 (YTD Data)		Rank
Total interest income	$3,857,000	3,493
Total interest expense	$492,000	4,677
Net interest income	$3,365,000	3,201
Provision for loan and lease losses	$144,000	4,001
Total noninterest income	$684,000	2,583
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$331,000	2,068
Trading account gains and fees	$0	153
Additional Noninterest Income	$353,000	2,639
Total noninterest expense	$3,381,000	2,769
Salaries and employee benefits	$1,776,000	2,722
Premises and equipment expense	$368,000	3,139
Additional noninterest expense	$1,237,000	2,672
Pre-tax net operating income	$524,000	3,720
Securities gains (losses)	$0	2,914
Applicable income taxes	$216,000	2,151
Income before extraordinary items	$308,000	4,403
Extraordinary gains, net	$0	15
Net income	$308,000	4,402
Minority interest net income	$0	89
Net income of bank and minority interests.	$308,000	4,404
Net charge-offs	$0	5,875
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$308,000	4,321
2011-03-31 (YTD Data)		Rank
Total interest income	$957,000	5,382
Total interest expense	$125,000	6,156
Net interest income	$832,000	5,060
Provision for loan and lease losses	$28,000	4,792
Total noninterest income	$175,000	3,842
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$92,000	3,157
Trading account gains and fees	$0	158
Additional Noninterest Income	$83,000	3,850
Total noninterest expense	$860,000	4,596
Salaries and employee benefits	$440,000	4,579
Premises and equipment expense	$106,000	4,564
Additional noninterest expense	$314,000	4,404
Pre-tax net operating income	$119,000	4,943
Securities gains (losses)	$0	1,772
Applicable income taxes	$50,000	2,820
Income before extraordinary items	$69,000	5,430
Extraordinary gains, net	$0	9
Net income	$69,000	5,429
Minority interest net income	$0	86
Net income of bank and minority interests.	$69,000	5,430
Net charge-offs	$0	5,107
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$69,000	5,381
2010-12-31 (YTD Data)		Rank
Total interest income	$12,849,000	2,338
Total interest expense	$2,320,000	3,171
Net interest income	$10,529,000	2,069
Provision for loan and lease losses	$1,030,000	3,000
Total noninterest income	$2,166,000	1,973
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,036,000	1,468
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,130,000	2,036
Total noninterest expense	$10,838,000	1,815
Salaries and employee benefits	$5,596,000	1,736
Premises and equipment expense	$1,079,000	2,317
Additional noninterest expense	$4,163,000	1,730
Pre-tax net operating income	$827,000	3,684
Securities gains (losses)	$0	3,793
Applicable income taxes	$408,000	2,077
Income before extraordinary items	$419,000	4,571
Extraordinary gains, net	$0	29
Net income	$419,000	4,571
Minority interest net income	$0	111
Net income of bank and minority interests.	$419,000	4,571
Net charge-offs	$2,969,000	1,476
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$108,000	765
Net operating income	$419,000	4,419
2010-09-30 (YTD Data)		Rank
Total interest income	$9,625,000	2,402
Total interest expense	$1,775,000	3,244
Net interest income	$7,850,000	2,107
Provision for loan and lease losses	$951,000	2,576
Total noninterest income	$1,660,000	1,939
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$794,000	1,476
Trading account gains and fees	$0	165
Additional Noninterest Income	$866,000	1,980
Total noninterest expense	$7,889,000	1,858
Salaries and employee benefits	$4,246,000	1,730
Premises and equipment expense	$822,000	2,338
Additional noninterest expense	$2,821,000	1,861
Pre-tax net operating income	$670,000	3,796
Securities gains (losses)	$0	3,651
Applicable income taxes	$262,000	2,280
Income before extraordinary items	$408,000	4,441
Extraordinary gains, net	$0	23
Net income	$408,000	4,443
Minority interest net income	$0	110
Net income of bank and minority interests.	$408,000	4,443
Net charge-offs	$2,867,000	1,183
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$80,000	712
Net operating income	$408,000	4,261
2010-06-30 (YTD Data)		Rank
Total interest income	$6,358,000	2,445
Total interest expense	$1,208,000	3,288
Net interest income	$5,150,000	2,144
Provision for loan and lease losses	$822,000	2,161
Total noninterest income	$1,057,000	1,972
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$535,000	1,466
Trading account gains and fees	$0	152
Additional Noninterest Income	$522,000	2,033
Total noninterest expense	$5,279,000	1,863
Salaries and employee benefits	$2,779,000	1,767
Premises and equipment expense	$571,000	2,260
Additional noninterest expense	$1,929,000	1,826
Pre-tax net operating income	$106,000	5,468
Securities gains (losses)	$0	3,184
Applicable income taxes	$63,000	3,142
Income before extraordinary items	$43,000	5,943
Extraordinary gains, net	$0	19
Net income	$43,000	5,945
Minority interest net income	$0	105
Net income of bank and minority interests.	$43,000	5,944
Net charge-offs	$2,883,000	859
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$52,000	651
Net operating income	$43,000	5,847
2010-03-31 (YTD Data)		Rank
Total interest income	$3,151,000	2,520
Total interest expense	$619,000	3,352
Net interest income	$2,532,000	2,195
Provision for loan and lease losses	$433,000	1,988
Total noninterest income	$488,000	2,071
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$268,000	1,461
Trading account gains and fees	$0	175
Additional Noninterest Income	$220,000	2,261
Total noninterest expense	$2,741,000	1,814
Salaries and employee benefits	$1,457,000	1,723
Premises and equipment expense	$308,000	2,153
Additional noninterest expense	$976,000	1,776
Pre-tax net operating income	$-154,000	6,763
Securities gains (losses)	$0	2,284
Applicable income taxes	$-21,000	7,203
Income before extraordinary items	$-133,000	6,824
Extraordinary gains, net	$0	16
Net income	$-133,000	6,825
Minority interest net income	$0	91
Net income of bank and minority interests.	$-133,000	6,824
Net charge-offs	$535,000	1,529
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$24,000	623
Net operating income	$-133,000	6,775
2009-12-31 (YTD Data)		Rank
Total interest income	$13,837,000	2,417
Total interest expense	$3,818,000	2,844
Net interest income	$10,019,000	2,184
Provision for loan and lease losses	$2,975,000	2,001
Total noninterest income	$3,665,000	1,387
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,184,000	1,449
Trading account gains and fees	$0	211
Additional Noninterest Income	$2,481,000	1,179
Total noninterest expense	$11,963,000	1,701
Salaries and employee benefits	$6,223,000	1,599
Premises and equipment expense	$1,366,000	1,968
Additional noninterest expense	$4,374,000	1,704
Pre-tax net operating income	$-1,254,000	6,354
Securities gains (losses)	$225,000	1,462
Applicable income taxes	$-419,000	6,975
Income before extraordinary items	$-610,000	6,141
Extraordinary gains, net	$0	34
Net income	$-610,000	6,141
Minority interest net income	$0	115
Net income of bank and minority interests.	$-610,000	6,141
Net charge-offs	$682,000	3,384
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$73,000	979
Net operating income	$-754,000	6,244
2009-09-30 (YTD Data)		Rank
Total interest income	$10,563,000	2,417
Total interest expense	$3,046,000	2,826
Net interest income	$7,517,000	2,186
Provision for loan and lease losses	$760,000	3,170
Total noninterest income	$2,748,000	1,428
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$896,000	1,435
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,852,000	1,218
Total noninterest expense	$8,880,000	1,700
Salaries and employee benefits	$4,757,000	1,583
Premises and equipment expense	$1,052,000	1,939
Additional noninterest expense	$3,071,000	1,741
Pre-tax net operating income	$625,000	3,518
Securities gains (losses)	$225,000	1,208
Applicable income taxes	$297,000	1,929
Income before extraordinary items	$553,000	3,517
Extraordinary gains, net	$0	27
Net income	$553,000	3,514
Minority interest net income	$0	118
Net income of bank and minority interests.	$553,000	3,517
Net charge-offs	$501,000	3,044
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$54,000	907
Net operating income	$406,750	3,930
2009-06-30 (YTD Data)		Rank
Total interest income	$7,167,000	2,396
Total interest expense	$2,141,000	2,799
Net interest income	$5,026,000	2,182
Provision for loan and lease losses	$290,000	3,791
Total noninterest income	$1,799,000	1,445
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$590,000	1,439
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,209,000	1,254
Total noninterest expense	$6,215,000	1,659
Salaries and employee benefits	$3,307,000	1,557
Premises and equipment expense	$746,000	1,852
Additional noninterest expense	$2,162,000	1,682
Pre-tax net operating income	$320,000	4,054
Securities gains (losses)	$203,000	1,011
Applicable income taxes	$197,000	1,971
Income before extraordinary items	$326,000	3,825
Extraordinary gains, net	$0	21
Net income	$326,000	3,824
Minority interest net income	$0	112
Net income of bank and minority interests.	$326,000	3,824
Net charge-offs	$50,000	4,916
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$36,000	884
Net operating income	$196,080	4,466
2009-03-31 (YTD Data)		Rank
Total interest income	$3,642,000	2,386
Total interest expense	$1,123,000	2,781
Net interest income	$2,519,000	2,173
Provision for loan and lease losses	$32,000	5,364
Total noninterest income	$867,000	1,457
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$280,000	1,464
Trading account gains and fees	$0	171
Additional Noninterest Income	$587,000	1,253
Total noninterest expense	$3,119,000	1,617
Salaries and employee benefits	$1,747,000	1,499
Premises and equipment expense	$399,000	1,773
Additional noninterest expense	$973,000	1,665
Pre-tax net operating income	$235,000	3,763
Securities gains (losses)	$0	2,434
Applicable income taxes	$79,000	2,418
Income before extraordinary items	$156,000	4,276
Extraordinary gains, net	$0	15
Net income	$156,000	4,278
Minority interest net income	$0	102
Net income of bank and minority interests.	$156,000	4,279
Net charge-offs	$-46,000	8,128
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$18,000	770
Net operating income	$156,000	4,115
2008-12-31 (YTD Data)		Rank
Total interest income	$15,630,000	2,380
Total interest expense	$5,582,000	2,686
Net interest income	$10,048,000	2,213
Provision for loan and lease losses	$1,671,000	2,015
Total noninterest income	$1,556,000	2,559
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,159,000	1,545
Trading account gains and fees	$0	154
Additional Noninterest Income	$397,000	3,603
Total noninterest expense	$16,227,000	1,208
Salaries and employee benefits	$7,067,000	1,457
Premises and equipment expense	$1,844,000	1,502
Additional noninterest expense	$7,316,000	887
Pre-tax net operating income	$-6,294,000	7,872
Securities gains (losses)	$-1,384,000	7,809
Applicable income taxes	$-2,599,000	7,988
Income before extraordinary items	$-5,079,000	7,816
Extraordinary gains, net	$0	39
Net income	$-5,079,000	7,815
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,087,000	1,872
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$54,000	1,109
Net operating income	$-4,165,560	7,813
2008-09-30 (YTD Data)		Rank
Total interest income	$11,817,000	2,412
Total interest expense	$4,295,000	2,723
Net interest income	$7,522,000	2,230
Provision for loan and lease losses	$333,000	3,373
Total noninterest income	$947,000	3,002
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$850,000	1,586
Trading account gains and fees	$0	148
Additional Noninterest Income	$97,000	5,679
Total noninterest expense	$9,476,000	1,539
Salaries and employee benefits	$5,450,000	1,430
Premises and equipment expense	$1,347,000	1,551
Additional noninterest expense	$2,679,000	1,662
Pre-tax net operating income	$-1,340,000	7,678
Securities gains (losses)	$-1,208,000	7,963
Applicable income taxes	$-763,000	7,983
Income before extraordinary items	$-1,785,000	7,814
Extraordinary gains, net	$0	31
Net income	$-1,785,000	7,813
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,000	4,115
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$36,000	1,012
Net operating income	$-939,400	7,587
2008-06-30 (YTD Data)		Rank
Total interest income	$8,025,000	2,411
Total interest expense	$2,969,000	2,738
Net interest income	$5,056,000	2,198
Provision for loan and lease losses	$106,000	4,178
Total noninterest income	$1,522,000	1,626
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$551,000	1,605
Trading account gains and fees	$0	149
Additional Noninterest Income	$971,000	1,432
Total noninterest expense	$6,343,000	1,523
Salaries and employee benefits	$3,690,000	1,416
Premises and equipment expense	$921,000	1,510
Additional noninterest expense	$1,732,000	1,697
Pre-tax net operating income	$129,000	6,241
Securities gains (losses)	$0	3,233
Applicable income taxes	$47,000	4,114
Income before extraordinary items	$82,000	6,472
Extraordinary gains, net	$0	21
Net income	$82,000	6,473
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	4,038
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$28,000	889
Net operating income	$82,000	6,410
2008-03-31 (YTD Data)		Rank
Total interest income	$4,037,000	2,457
Total interest expense	$1,560,000	2,779
Net interest income	$2,477,000	2,235
Provision for loan and lease losses	$40,000	4,096
Total noninterest income	$626,000	1,892
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$271,000	1,603
Trading account gains and fees	$0	158
Additional Noninterest Income	$355,000	1,760
Total noninterest expense	$3,224,000	1,489
Salaries and employee benefits	$1,854,000	1,420
Premises and equipment expense	$489,000	1,424
Additional noninterest expense	$881,000	1,627
Pre-tax net operating income	$-161,000	7,683
Securities gains (losses)	$0	2,688
Applicable income taxes	$-150,000	8,212
Income before extraordinary items	$-11,000	7,340
Extraordinary gains, net	$0	15
Net income	$-11,000	7,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	3,596
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$14,000	771
Net operating income	$-11,000	7,263
2007-12-31 (YTD Data)		Rank
Total interest income	$18,075,000	2,282
Total interest expense	$7,516,000	2,455
Net interest income	$10,559,000	2,142
Provision for loan and lease losses	$76,000	5,240
Total noninterest income	$4,433,000	1,203
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,167,000	1,540
Trading account gains and fees	$0	178
Additional Noninterest Income	$3,266,000	945
Total noninterest expense	$13,526,000	1,363
Salaries and employee benefits	$7,364,000	1,379
Premises and equipment expense	$1,779,000	1,497
Additional noninterest expense	$4,383,000	1,281
Pre-tax net operating income	$1,390,000	4,040
Securities gains (losses)	$0	2,146
Applicable income taxes	$626,000	2,451
Income before extraordinary items	$764,000	4,881
Extraordinary gains, net	$0	39
Net income	$764,000	4,882
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$306,000	2,263
Cash dividends	$135,000	5,192
Sale, conversion, retirement of capital stock, net	$1,009,000	430
Net operating income	$764,000	4,858
2007-09-30 (YTD Data)		Rank
Total interest income	$13,714,000	2,259
Total interest expense	$5,814,000	2,375
Net interest income	$7,900,000	2,158
Provision for loan and lease losses	$14,000	6,059
Total noninterest income	$3,595,000	1,132
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$884,000	1,487
Trading account gains and fees	$0	184
Additional Noninterest Income	$2,711,000	893
Total noninterest expense	$10,349,000	1,332
Salaries and employee benefits	$5,635,000	1,332
Premises and equipment expense	$1,345,000	1,484
Additional noninterest expense	$3,369,000	1,214
Pre-tax net operating income	$1,132,000	4,084
Securities gains (losses)	$0	1,655
Applicable income taxes	$528,000	2,464
Income before extraordinary items	$604,000	4,991
Extraordinary gains, net	$0	33
Net income	$604,000	4,991
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$304,000	1,521
Cash dividends	$135,000	4,473
Sale, conversion, retirement of capital stock, net	$994,000	327
Net operating income	$604,000	4,978
2007-06-30 (YTD Data)		Rank
Total interest income	$9,322,000	2,231
Total interest expense	$3,957,000	2,346
Net interest income	$5,365,000	2,149
Provision for loan and lease losses	$-260,000	8,537
Total noninterest income	$2,575,000	1,095
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$587,000	1,500
Trading account gains and fees	$0	168
Additional Noninterest Income	$1,988,000	860
Total noninterest expense	$6,846,000	1,359
Salaries and employee benefits	$3,671,000	1,399
Premises and equipment expense	$933,000	1,422
Additional noninterest expense	$2,242,000	1,236
Pre-tax net operating income	$1,354,000	2,869
Securities gains (losses)	$0	1,444
Applicable income taxes	$522,000	1,995
Income before extraordinary items	$832,000	3,437
Extraordinary gains, net	$0	29
Net income	$832,000	3,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	3,525
Cash dividends	$135,000	4,059
Sale, conversion, retirement of capital stock, net	$981,000	251
Net operating income	$832,000	3,411
2007-03-31 (YTD Data)		Rank
Total interest income	$4,914,000	2,143
Total interest expense	$2,095,000	2,233
Net interest income	$2,819,000	2,057
Provision for loan and lease losses	$-175,000	8,574
Total noninterest income	$1,300,000	1,067
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$296,000	1,449
Trading account gains and fees	$0	195
Additional Noninterest Income	$1,004,000	841
Total noninterest expense	$3,277,000	1,412
Salaries and employee benefits	$1,852,000	1,391
Premises and equipment expense	$486,000	1,383
Additional noninterest expense	$939,000	1,430
Pre-tax net operating income	$1,017,000	2,134
Securities gains (losses)	$0	1,187
Applicable income taxes	$399,000	1,524
Income before extraordinary items	$618,000	2,573
Extraordinary gains, net	$0	22
Net income	$618,000	2,575
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	3,606
Cash dividends	$135,000	2,835
Sale, conversion, retirement of capital stock, net	$947,000	144
Net operating income	$618,000	2,550
2006-12-31 (YTD Data)		Rank
Total interest income	$22,820,000	1,768
Total interest expense	$10,840,000	1,566
Net interest income	$11,980,000	1,937
Provision for loan and lease losses	$36,000	5,879
Total noninterest income	$4,819,000	1,121
Gross Fiduciary activities income	$382,000	647
Service charges on deposit accounts	$1,169,000	1,526
Trading account gains and fees	$0	130
Additional Noninterest Income	$3,268,000	933
Total noninterest expense	$16,717,000	1,069
Salaries and employee benefits	$8,999,000	1,076
Premises and equipment expense	$2,259,000	1,135
Additional noninterest expense	$5,459,000	973
Pre-tax net operating income	$46,000	7,852
Securities gains (losses)	$-956,000	8,580
Applicable income taxes	$-375,000	8,543
Income before extraordinary items	$-535,000	8,310
Extraordinary gains, net	$0	51
Net income	$-535,000	8,310
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-52,000	8,369
Cash dividends	$1,003,000	2,537
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$76,840	7,753
2006-09-30 (YTD Data)		Rank
Total interest income	$17,073,000	1,760
Total interest expense	$8,092,000	1,515
Net interest income	$8,981,000	1,960
Provision for loan and lease losses	$131,000	3,702
Total noninterest income	$3,067,000	1,293
Gross Fiduciary activities income	$316,000	616
Service charges on deposit accounts	$879,000	1,529
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,872,000	1,153
Total noninterest expense	$12,897,000	1,053
Salaries and employee benefits	$7,001,000	1,042
Premises and equipment expense	$1,730,000	1,113
Additional noninterest expense	$4,166,000	958
Pre-tax net operating income	$-980,000	8,583
Securities gains (losses)	$-586,000	8,643
Applicable income taxes	$-569,000	8,695
Income before extraordinary items	$-997,000	8,607
Extraordinary gains, net	$0	45
Net income	$-997,000	8,607
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-57,000	8,389
Cash dividends	$866,000	2,136
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$-621,960	8,502
2006-06-30 (YTD Data)		Rank
Total interest income	$10,987,000	1,797
Total interest expense	$5,181,000	1,502
Net interest income	$5,806,000	2,017
Provision for loan and lease losses	$65,000	3,979
Total noninterest income	$2,159,000	1,242
Gross Fiduciary activities income	$210,000	626
Service charges on deposit accounts	$583,000	1,527
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,366,000	1,085
Total noninterest expense	$8,686,000	1,040
Salaries and employee benefits	$4,609,000	1,061
Premises and equipment expense	$1,166,000	1,095
Additional noninterest expense	$2,911,000	921
Pre-tax net operating income	$-786,000	8,651
Securities gains (losses)	$-60,000	8,414
Applicable income taxes	$-312,000	8,718
Income before extraordinary items	$-534,000	8,597
Extraordinary gains, net	$0	39
Net income	$-534,000	8,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-81,000	8,540
Cash dividends	$614,000	2,057
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$-495,600	8,580
2006-03-31 (YTD Data)		Rank
Total interest income	$5,370,000	1,798
Total interest expense	$2,396,000	1,535
Net interest income	$2,974,000	1,954
Provision for loan and lease losses	$0	6,013
Total noninterest income	$1,283,000	1,059
Gross Fiduciary activities income	$103,000	635
Service charges on deposit accounts	$284,000	1,507
Trading account gains and fees	$0	115
Additional Noninterest Income	$896,000	884
Total noninterest expense	$4,265,000	1,061
Salaries and employee benefits	$2,237,000	1,110
Premises and equipment expense	$622,000	1,015
Additional noninterest expense	$1,406,000	949
Pre-tax net operating income	$-8,000	8,250
Securities gains (losses)	$-60,000	8,596
Applicable income taxes	$-34,000	8,617
Income before extraordinary items	$-34,000	8,352
Extraordinary gains, net	$0	21
Net income	$-34,000	8,351
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-74,000	8,587
Cash dividends	$243,000	2,210
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$4,400	8,153
2005-12-31 (YTD Data)		Rank
Total interest income	$19,491,000	1,721
Total interest expense	$7,652,000	1,487
Net interest income	$11,839,000	1,858
Provision for loan and lease losses	$240,000	3,239
Total noninterest income	$5,119,000	1,071
Gross Fiduciary activities income	$472,000	597
Service charges on deposit accounts	$1,304,000	1,351
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,343,000	935
Total noninterest expense	$16,370,000	1,040
Salaries and employee benefits	$8,576,000	1,075
Premises and equipment expense	$2,994,000	809
Additional noninterest expense	$4,800,000	1,071
Pre-tax net operating income	$348,000	7,234
Securities gains (losses)	$69,000	836
Applicable income taxes	$-45,000	8,550
Income before extraordinary items	$462,000	6,531
Extraordinary gains, net	$0	46
Net income	$462,000	6,533
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	4,584
Cash dividends	$1,698,000	1,675
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$393,000	6,772
2005-09-30 (YTD Data)		Rank
Total interest income	$14,156,000	1,731
Total interest expense	$5,398,000	1,484
Net interest income	$8,758,000	1,872
Provision for loan and lease losses	$185,000	3,084
Total noninterest income	$3,736,000	1,100
Gross Fiduciary activities income	$370,000	579
Service charges on deposit accounts	$962,000	1,356
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,404,000	971
Total noninterest expense	$11,613,000	1,090
Salaries and employee benefits	$6,283,000	1,096
Premises and equipment expense	$2,003,000	876
Additional noninterest expense	$3,327,000	1,131
Pre-tax net operating income	$696,000	5,655
Securities gains (losses)	$58,000	824
Applicable income taxes	$146,000	4,837
Income before extraordinary items	$608,000	5,416
Extraordinary gains, net	$0	35
Net income	$608,000	5,419
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	3,852
Cash dividends	$530,000	2,705
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$561,020	5,584
2005-06-30 (YTD Data)		Rank
Total interest income	$9,010,000	1,771
Total interest expense	$3,481,000	1,439
Net interest income	$5,529,000	1,961
Provision for loan and lease losses	$107,000	3,266
Total noninterest income	$2,277,000	1,149
Gross Fiduciary activities income	$236,000	597
Service charges on deposit accounts	$605,000	1,402
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,436,000	1,036
Total noninterest expense	$7,378,000	1,144
Salaries and employee benefits	$4,132,000	1,101
Premises and equipment expense	$1,170,000	1,012
Additional noninterest expense	$2,076,000	1,211
Pre-tax net operating income	$321,000	6,460
Securities gains (losses)	$61,000	730
Applicable income taxes	$64,000	5,295
Income before extraordinary items	$318,000	5,995
Extraordinary gains, net	$0	30
Net income	$318,000	5,998
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	3,897
Cash dividends	$135,000	3,975
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$267,370	6,319
2005-03-31 (YTD Data)		Rank
Total interest income	$4,444,000	1,754
Total interest expense	$1,678,000	1,424
Net interest income	$2,766,000	1,946
Provision for loan and lease losses	$40,000	3,596
Total noninterest income	$1,145,000	1,126
Gross Fiduciary activities income	$113,000	619
Service charges on deposit accounts	$282,000	1,454
Trading account gains and fees	$0	115
Additional Noninterest Income	$750,000	995
Total noninterest expense	$3,672,000	1,135
Salaries and employee benefits	$2,081,000	1,095
Premises and equipment expense	$569,000	1,054
Additional noninterest expense	$1,022,000	1,220
Pre-tax net operating income	$199,000	5,964
Securities gains (losses)	$45,000	572
Applicable income taxes	$21,000	5,628
Income before extraordinary items	$223,000	5,150
Extraordinary gains, net	$0	24
Net income	$223,000	5,151
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	2,643
Cash dividends	$135,000	2,670
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$182,050	5,605
2004-12-31 (YTD Data)		Rank
Total interest income	$16,923,000	1,692
Total interest expense	$5,615,000	1,466
Net interest income	$11,308,000	1,786
Provision for loan and lease losses	$45,000	6,047
Total noninterest income	$2,914,000	1,639
Gross Fiduciary activities income	$423,000	616
Service charges on deposit accounts	$1,309,000	1,356
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,182,000	1,926
Total noninterest expense	$13,742,000	1,186
Salaries and employee benefits	$7,105,000	1,232
Premises and equipment expense	$2,054,000	1,118
Additional noninterest expense	$4,583,000	1,077
Pre-tax net operating income	$435,000	6,924
Securities gains (losses)	$506,000	452
Applicable income taxes	$66,000	5,858
Income before extraordinary items	$875,000	5,050
Extraordinary gains, net	$0	34
Net income	$875,000	5,051
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	4,972
Cash dividends	$455,000	3,694
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$404,420	6,689
2004-09-30 (YTD Data)		Rank
Total interest income	$12,553,000	1,690
Total interest expense	$4,036,000	1,500
Net interest income	$8,517,000	1,767
Provision for loan and lease losses	$0	7,100
Total noninterest income	$2,155,000	1,670
Gross Fiduciary activities income	$307,000	628
Service charges on deposit accounts	$1,013,000	1,324
Trading account gains and fees	$0	134
Additional Noninterest Income	$835,000	2,020
Total noninterest expense	$10,232,000	1,192
Salaries and employee benefits	$5,440,000	1,199
Premises and equipment expense	$1,501,000	1,149
Additional noninterest expense	$3,291,000	1,115
Pre-tax net operating income	$440,000	6,582
Securities gains (losses)	$778,000	314
Applicable income taxes	$289,000	3,851
Income before extraordinary items	$929,000	4,179
Extraordinary gains, net	$0	26
Net income	$929,000	4,180
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	4,041
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$337,720	6,612
2004-06-30 (YTD Data)		Rank
Total interest income	$8,157,000	1,726
Total interest expense	$2,509,000	1,580
Net interest income	$5,648,000	1,769
Provision for loan and lease losses	$0	6,885
Total noninterest income	$1,426,000	1,677
Gross Fiduciary activities income	$203,000	634
Service charges on deposit accounts	$650,000	1,367
Trading account gains and fees	$0	130
Additional Noninterest Income	$573,000	1,994
Total noninterest expense	$6,816,000	1,184
Salaries and employee benefits	$3,696,000	1,181
Premises and equipment expense	$959,000	1,206
Additional noninterest expense	$2,161,000	1,130
Pre-tax net operating income	$258,000	6,777
Securities gains (losses)	$376,000	417
Applicable income taxes	$126,000	4,529
Income before extraordinary items	$508,000	4,698
Extraordinary gains, net	$0	21
Net income	$508,000	4,699
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,398
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$207,200	6,745
2004-03-31 (YTD Data)		Rank
Total interest income	$4,098,000	1,715
Total interest expense	$1,181,000	1,707
Net interest income	$2,917,000	1,708
Provision for loan and lease losses	$0	6,501
Total noninterest income	$627,000	1,808
Gross Fiduciary activities income	$91,000	661
Service charges on deposit accounts	$286,000	1,500
Trading account gains and fees	$0	121
Additional Noninterest Income	$250,000	2,132
Total noninterest expense	$3,304,000	1,234
Salaries and employee benefits	$1,875,000	1,172
Premises and equipment expense	$446,000	1,307
Additional noninterest expense	$983,000	1,228
Pre-tax net operating income	$240,000	5,385
Securities gains (losses)	$386,000	304
Applicable income taxes	$175,000	2,806
Income before extraordinary items	$451,000	3,188
Extraordinary gains, net	$0	16
Net income	$451,000	3,188
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,804
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$173,080	5,563
2003-12-31 (YTD Data)		Rank
Total interest income	$15,745,000	1,805
Total interest expense	$4,946,000	1,806
Net interest income	$10,799,000	1,811
Provision for loan and lease losses	$-55,000	8,995
Total noninterest income	$2,790,000	1,784
Gross Fiduciary activities income	$362,000	655
Service charges on deposit accounts	$1,135,000	1,512
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,293,000	2,017
Total noninterest expense	$11,524,000	1,391
Salaries and employee benefits	$6,153,000	1,396
Premises and equipment expense	$1,912,000	1,180
Additional noninterest expense	$3,459,000	1,414
Pre-tax net operating income	$2,120,000	3,261
Securities gains (losses)	$1,348,000	385
Applicable income taxes	$1,099,000	2,056
Income before extraordinary items	$2,369,000	2,497
Extraordinary gains, net	$0	54
Net income	$2,369,000	2,501
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	8,519
Cash dividends	$625,000	3,129
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,452,360	3,485
2003-09-30 (YTD Data)		Rank
Total interest income	$11,581,000	1,881
Total interest expense	$3,748,000	1,871
Net interest income	$7,833,000	1,884
Provision for loan and lease losses	$-25,000	9,057
Total noninterest income	$2,244,000	1,732
Gross Fiduciary activities income	$267,000	662
Service charges on deposit accounts	$835,000	1,549
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,142,000	1,873
Total noninterest expense	$8,471,000	1,432
Salaries and employee benefits	$4,551,000	1,425
Premises and equipment expense	$1,397,000	1,227
Additional noninterest expense	$2,523,000	1,461
Pre-tax net operating income	$1,631,000	3,333
Securities gains (losses)	$994,000	448
Applicable income taxes	$820,000	2,173
Income before extraordinary items	$1,805,000	2,562
Extraordinary gains, net	$0	40
Net income	$1,805,000	2,560
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	5,146
Cash dividends	$460,000	2,813
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,119,140	3,521
2003-06-30 (YTD Data)		Rank
Total interest income	$7,669,000	1,901
Total interest expense	$2,553,000	1,887
Net interest income	$5,116,000	1,911
Provision for loan and lease losses	$0	7,324
Total noninterest income	$1,262,000	1,976
Gross Fiduciary activities income	$168,000	680
Service charges on deposit accounts	$531,000	1,592
Trading account gains and fees	$0	150
Additional Noninterest Income	$563,000	2,268
Total noninterest expense	$5,516,000	1,453
Salaries and employee benefits	$2,937,000	1,465
Premises and equipment expense	$928,000	1,227
Additional noninterest expense	$1,651,000	1,488
Pre-tax net operating income	$862,000	3,870
Securities gains (losses)	$934,000	380
Applicable income taxes	$565,000	2,137
Income before extraordinary items	$1,231,000	2,519
Extraordinary gains, net	$0	30
Net income	$1,231,000	2,516
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	4,977
Cash dividends	$245,000	3,201
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$586,540	4,157
2003-03-31 (YTD Data)		Rank
Total interest income	$3,862,000	1,902
Total interest expense	$1,274,000	1,935
Net interest income	$2,588,000	1,886
Provision for loan and lease losses	$0	6,934
Total noninterest income	$644,000	1,894
Gross Fiduciary activities income	$84,000	692
Service charges on deposit accounts	$246,000	1,660
Trading account gains and fees	$0	134
Additional Noninterest Income	$314,000	2,047
Total noninterest expense	$2,642,000	1,511
Salaries and employee benefits	$1,401,000	1,522
Premises and equipment expense	$452,000	1,275
Additional noninterest expense	$789,000	1,502
Pre-tax net operating income	$590,000	3,124
Securities gains (losses)	$639,000	296
Applicable income taxes	$391,000	1,656
Income before extraordinary items	$838,000	1,886
Extraordinary gains, net	$0	21
Net income	$838,000	1,885
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	3,762
Cash dividends	$80,000	3,113
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$403,480	3,270
2002-12-31 (YTD Data)		Rank
Total interest income	$14,706,000	2,089
Total interest expense	$5,354,000	2,099
Net interest income	$9,352,000	2,075
Provision for loan and lease losses	$50,000	6,677
Total noninterest income	$2,585,000	1,754
Gross Fiduciary activities income	$390,000	651
Service charges on deposit accounts	$1,016,000	1,589
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,179,000	1,955
Total noninterest expense	$10,238,000	1,504
Salaries and employee benefits	$5,343,000	1,514
Premises and equipment expense	$1,699,000	1,295
Additional noninterest expense	$3,196,000	1,487
Pre-tax net operating income	$1,649,000	3,863
Securities gains (losses)	$1,082,000	399
Applicable income taxes	$845,000	2,503
Income before extraordinary items	$1,886,000	2,940
Extraordinary gains, net	$0	70
Net income	$1,886,000	2,938
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	5,538
Cash dividends	$450,000	3,607
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,139,420	4,121
2001-12-31 (YTD Data)		Rank
Total interest income	$13,956,000	2,457
Total interest expense	$5,501,000	2,888
Net interest income	$8,455,000	2,112
Provision for loan and lease losses	$235,000	3,803
Total noninterest income	$2,464,000	1,706
Gross Fiduciary activities income	$418,000	650
Service charges on deposit accounts	$892,000	1,699
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,154,000	1,846
Total noninterest expense	$9,151,000	1,601
Salaries and employee benefits	$4,574,000	1,639
Premises and equipment expense	$1,435,000	1,499
Additional noninterest expense	$3,142,000	1,481
Pre-tax net operating income	$1,533,000	3,798
Securities gains (losses)	$655,000	531
Applicable income taxes	$613,000	2,932
Income before extraordinary items	$1,575,000	3,105
Extraordinary gains, net	$0	105
Net income	$1,575,000	3,108
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,462
Cash dividends	$422,000	3,753
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,103,400	3,898
2000-12-31 (YTD Data)		Rank
Total interest income	$12,106,000	2,878
Total interest expense	$4,982,000	3,326
Net interest income	$7,124,000	2,500
Provision for loan and lease losses	$34,000	7,119
Total noninterest income	$2,057,000	1,834
Gross Fiduciary activities income	$410,000	662
Service charges on deposit accounts	$703,000	1,966
Trading account gains and fees	$0	180
Additional Noninterest Income	$944,000	1,931
Total noninterest expense	$7,652,000	1,818
Salaries and employee benefits	$3,649,000	1,960
Premises and equipment expense	$1,434,000	1,453
Additional noninterest expense	$2,569,000	1,728
Pre-tax net operating income	$1,495,000	4,077
Securities gains (losses)	$25,000	900
Applicable income taxes	$551,000	3,283
Income before extraordinary items	$969,000	4,475
Extraordinary gains, net	$0	38
Net income	$969,000	4,476
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	4,965
Cash dividends	$140,000	5,600
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$953,000	4,518
1999-12-31 (YTD Data)		Rank
Total interest income	$10,490,000	3,082
Total interest expense	$4,213,000	3,430
Net interest income	$6,277,000	2,801
Provision for loan and lease losses	$26,000	7,391
Total noninterest income	$1,689,000	2,112
Gross Fiduciary activities income	$469,000	658
Service charges on deposit accounts	$546,000	2,437
Trading account gains and fees	$0	173
Additional Noninterest Income	$674,000	2,440
Total noninterest expense	$6,917,000	1,979
Salaries and employee benefits	$3,171,000	2,215
Premises and equipment expense	$1,363,000	1,508
Additional noninterest expense	$2,383,000	1,844
Pre-tax net operating income	$1,023,000	5,244
Securities gains (losses)	$24,000	1,292
Applicable income taxes	$369,000	4,365
Income before extraordinary items	$678,000	5,554
Extraordinary gains, net	$0	35
Net income	$678,000	5,551
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	9,511
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$662,400	5,588
1998-12-31 (YTD Data)		Rank
Total interest income	$9,450,000	3,397
Total interest expense	$3,865,000	3,803
Net interest income	$5,585,000	3,078
Provision for loan and lease losses	$0	8,652
Total noninterest income	$1,328,000	2,481
Gross Fiduciary activities income	$421,000	696
Service charges on deposit accounts	$456,000	2,777
Trading account gains and fees	$0	224
Additional Noninterest Income	$451,000	3,184
Total noninterest expense	$6,711,000	1,952
Salaries and employee benefits	$3,421,000	1,944
Premises and equipment expense	$1,206,000	1,633
Additional noninterest expense	$2,084,000	2,047
Pre-tax net operating income	$202,000	8,898
Securities gains (losses)	$12,000	2,822
Applicable income taxes	$30,000	8,700
Income before extraordinary items	$184,000	8,723
Extraordinary gains, net	$0	32
Net income	$184,000	8,722
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	6,871
Cash dividends	$231,000	5,097
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$173,680	8,753
1997-12-31 (YTD Data)		Rank
Total interest income	$8,703,000	3,678
Total interest expense	$3,413,000	4,229
Net interest income	$5,290,000	3,293
Provision for loan and lease losses	$0	8,829
Total noninterest income	$1,184,000	2,662
Gross Fiduciary activities income	$337,000	781
Service charges on deposit accounts	$489,000	2,683
Trading account gains and fees	$0	239
Additional Noninterest Income	$358,000	3,532
Total noninterest expense	$6,138,000	2,096
Salaries and employee benefits	$3,070,000	2,155
Premises and equipment expense	$1,057,000	1,877
Additional noninterest expense	$2,011,000	2,078
Pre-tax net operating income	$336,000	8,797
Securities gains (losses)	$0	3,944
Applicable income taxes	$109,000	8,258
Income before extraordinary items	$227,000	8,929
Extraordinary gains, net	$0	44
Net income	$227,000	8,934
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$91,000	4,010
Cash dividends	$231,000	5,091
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$227,000	8,898
1996-12-31 (YTD Data)		Rank
Total interest income	$7,982,000	4,048
Total interest expense	$2,829,000	5,033
Net interest income	$5,153,000	3,450
Provision for loan and lease losses	$0	9,041
Total noninterest income	$1,223,000	2,649
Gross Fiduciary activities income	$288,000	875
Service charges on deposit accounts	$503,000	2,713
Trading account gains and fees	$0	262
Additional Noninterest Income	$432,000	3,231
Total noninterest expense	$4,889,000	2,797
Salaries and employee benefits	$2,485,000	2,716
Premises and equipment expense	$802,000	2,449
Additional noninterest expense	$1,602,000	2,958
Pre-tax net operating income	$1,487,000	4,367
Securities gains (losses)	$-9,000	10,223
Applicable income taxes	$608,000	3,549
Income before extraordinary items	$870,000	4,985
Extraordinary gains, net	$0	53
Net income	$870,000	4,987
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	10,789
Cash dividends	$112,000	6,500
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$875,760	4,917
1995-12-31 (YTD Data)		Rank
Total interest income	$7,535,000	4,245
Total interest expense	$2,689,000	5,247
Net interest income	$4,846,000	3,644
Provision for loan and lease losses	$0	8,958
Total noninterest income	$1,218,000	2,684
Gross Fiduciary activities income	$311,000	885
Service charges on deposit accounts	$529,000	2,543
Trading account gains and fees	$1,000	505
Additional Noninterest Income	$377,000	3,444
Total noninterest expense	$4,803,000	2,821
Salaries and employee benefits	$2,425,000	2,754
Premises and equipment expense	$738,000	2,676
Additional noninterest expense	$1,640,000	2,829
Pre-tax net operating income	$1,261,000	5,084
Securities gains (losses)	$0	3,831
Applicable income taxes	$66,000	9,861
Income before extraordinary items	$1,195,000	3,975
Extraordinary gains, net	$0	65
Net income	$1,195,000	3,973
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$171,000	2,770
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,195,000	3,961
1994-12-31 (YTD Data)		Rank
Total interest income	$6,276,000	4,668
Total interest expense	$1,875,000	5,891
Net interest income	$4,401,000	3,994
Provision for loan and lease losses	$0	9,146
Total noninterest income	$1,200,000	2,733
Gross Fiduciary activities income	$282,000	924
Service charges on deposit accounts	$578,000	2,355
Trading account gains and fees	$2,000	434
Additional Noninterest Income	$338,000	3,804
Total noninterest expense	$4,721,000	2,928
Salaries and employee benefits	$2,386,000	2,780
Premises and equipment expense	$675,000	2,918
Additional noninterest expense	$1,660,000	3,029
Pre-tax net operating income	$880,000	6,490
Securities gains (losses)	$6,000	2,522
Applicable income taxes	$-364,000	12,452
Income before extraordinary items	$1,250,000	3,715
Extraordinary gains, net	$0	249
Net income	$1,250,000	3,721
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$273,000	2,030
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,244,000	3,762
1993-12-31 (YTD Data)		Rank
Total interest income	$5,952,000	4,988
Total interest expense	$1,993,000	5,852
Net interest income	$3,959,000	4,447
Provision for loan and lease losses	$275,000	3,195
Total noninterest income	$1,363,000	2,633
Gross Fiduciary activities income	$268,000	978
Service charges on deposit accounts	$560,000	2,463
Trading account gains and fees	$-8,000	5,079
Additional Noninterest Income	$543,000	3,093
Total noninterest expense	$4,988,000	2,861
Salaries and employee benefits	$2,505,000	2,644
Premises and equipment expense	$656,000	3,049
Additional noninterest expense	$1,827,000	2,951
Pre-tax net operating income	$59,000	12,124
Securities gains (losses)	$163,000	1,907
Applicable income taxes	$-210,000	13,045
Income before extraordinary items	$432,000	8,128
Extraordinary gains, net	$0	3,149
Net income	$432,000	8,290
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$462,000	1,859
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$906,000	496
Net operating income	$269,000	9,568
1992-12-31 (YTD Data)		Rank
Total interest income	$6,674,000	5,027
Total interest expense	$2,852,000	5,384
Net interest income	$3,822,000	4,635
Provision for loan and lease losses	$505,000	2,972
Total noninterest income	$1,568,000	2,311
Gross Fiduciary activities income	$313,000	929
Service charges on deposit accounts	$536,000	2,572
Trading account gains and fees	$6,000	432
Additional Noninterest Income	$713,000	2,500
Total noninterest expense	$5,402,000	2,668
Salaries and employee benefits	$2,272,000	2,853
Premises and equipment expense	$643,000	3,148
Additional noninterest expense	$2,487,000	2,333
Pre-tax net operating income	$-517,000	13,302
Securities gains (losses)	$35,000	4,733
Applicable income taxes	$8,000	12,420
Income before extraordinary items	$-490,000	13,378
Extraordinary gains, net	$0	1,422
Net income	$-490,000	13,375
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,432,000	1,238
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$1,027,000	402
Net operating income	$-525,000	13,289

* 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.