Home > Frontier Bank, FSB > Income and Expense

Frontier Bank, FSB, Income and Expense

2014-09-30 (YTD Data)		Rank
Total interest income	$2,285,000	5,073
Total interest expense	$270,000	4,715
Net interest income	$2,015,000	5,069
Provision for loan and lease losses	$-800,000	6,436
Total noninterest income	$276,000	4,790
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$98,000	4,662
Trading account gains and fees	$0	174
Additional Noninterest Income	$178,000	4,359
Total noninterest expense	$5,696,000	2,423
Salaries and employee benefits	$1,833,000	3,534
Premises and equipment expense	$477,000	3,144
Additional noninterest expense	$3,386,000	1,411
Pre-tax net operating income	$-2,605,000	6,548
Securities gains (losses)	$0	2,980
Applicable income taxes	$0	4,583
Income before extraordinary items	$-2,605,000	6,540
Extraordinary gains, net	$0	15
Net income	$-2,605,000	6,539
Minority interest net income	$0	81
Net income of bank and minority interests.	$-2,605,000	6,539
Net charge-offs	$203,000	1,970
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$-2,605,000	6,541
2014-06-30 (YTD Data)		Rank
Total interest income	$1,522,000	5,100
Total interest expense	$195,000	4,626
Net interest income	$1,327,000	5,108
Provision for loan and lease losses	$0	4,196
Total noninterest income	$170,000	4,896
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$63,000	4,704
Trading account gains and fees	$0	172
Additional Noninterest Income	$107,000	4,484
Total noninterest expense	$4,313,000	2,176
Salaries and employee benefits	$1,234,000	3,546
Premises and equipment expense	$321,000	3,144
Additional noninterest expense	$2,758,000	1,182
Pre-tax net operating income	$-2,816,000	6,638
Securities gains (losses)	$0	2,580
Applicable income taxes	$0	4,568
Income before extraordinary items	$-2,816,000	6,630
Extraordinary gains, net	$0	20
Net income	$-2,816,000	6,630
Minority interest net income	$0	80
Net income of bank and minority interests.	$-2,816,000	6,630
Net charge-offs	$173,000	1,723
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$-2,816,000	6,630
2014-03-31 (YTD Data)		Rank
Total interest income	$836,000	4,963
Total interest expense	$102,000	4,593
Net interest income	$734,000	4,961
Provision for loan and lease losses	$0	3,817
Total noninterest income	$109,000	4,502
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$31,000	4,724
Trading account gains and fees	$0	147
Additional Noninterest Income	$78,000	3,930
Total noninterest expense	$1,631,000	2,796
Salaries and employee benefits	$631,000	3,521
Premises and equipment expense	$153,000	3,298
Additional noninterest expense	$847,000	1,794
Pre-tax net operating income	$-788,000	6,671
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$-788,000	6,672
Extraordinary gains, net	$0	16
Net income	$-788,000	6,672
Minority interest net income	$0	66
Net income of bank and minority interests.	$-788,000	6,672
Net charge-offs	$25,000	2,339
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$-788,000	6,672
2013-12-31 (YTD Data)		Rank
Total interest income	$5,569,000	3,812
Total interest expense	$787,000	3,481
Net interest income	$4,782,000	3,803
Provision for loan and lease losses	$-1,405,000	6,701
Total noninterest income	$1,460,000	2,632
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$181,000	4,259
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,279,000	2,048
Total noninterest expense	$8,345,000	2,260
Salaries and employee benefits	$3,019,000	3,096
Premises and equipment expense	$955,000	2,331
Additional noninterest expense	$4,371,000	1,513
Pre-tax net operating income	$-698,000	6,520
Securities gains (losses)	$0	3,182
Applicable income taxes	$0	4,631
Income before extraordinary items	$-698,000	6,534
Extraordinary gains, net	$0	29
Net income	$-698,000	6,535
Minority interest net income	$0	90
Net income of bank and minority interests.	$-698,000	6,535
Net charge-offs	$1,192,000	1,106
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$-698,000	6,523
2013-09-30 (YTD Data)		Rank
Total interest income	$4,478,000	3,673
Total interest expense	$642,000	3,379
Net interest income	$3,836,000	3,676
Provision for loan and lease losses	$-505,000	6,725
Total noninterest income	$99,000	6,085
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$132,000	4,349
Trading account gains and fees	$0	180
Additional Noninterest Income	$-33,000	6,660
Total noninterest expense	$5,920,000	2,373
Salaries and employee benefits	$2,356,000	3,032
Premises and equipment expense	$742,000	2,299
Additional noninterest expense	$2,822,000	1,688
Pre-tax net operating income	$-1,480,000	6,749
Securities gains (losses)	$0	3,040
Applicable income taxes	$0	4,713
Income before extraordinary items	$-1,480,000	6,760
Extraordinary gains, net	$0	25
Net income	$-1,480,000	6,761
Minority interest net income	$0	84
Net income of bank and minority interests.	$-1,480,000	6,761
Net charge-offs	$16,000	4,516
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-1,480,000	6,752
2013-06-30 (YTD Data)		Rank
Total interest income	$3,149,000	3,546
Total interest expense	$460,000	3,271
Net interest income	$2,689,000	3,543
Provision for loan and lease losses	$0	4,788
Total noninterest income	$251,000	4,521
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$89,000	4,315
Trading account gains and fees	$0	157
Additional Noninterest Income	$162,000	4,107
Total noninterest expense	$3,859,000	2,418
Salaries and employee benefits	$1,635,000	2,970
Premises and equipment expense	$501,000	2,283
Additional noninterest expense	$1,723,000	1,833
Pre-tax net operating income	$-919,000	6,777
Securities gains (losses)	$0	2,791
Applicable income taxes	$0	4,679
Income before extraordinary items	$-919,000	6,797
Extraordinary gains, net	$0	22
Net income	$-919,000	6,799
Minority interest net income	$0	82
Net income of bank and minority interests.	$-919,000	6,798
Net charge-offs	$70,000	3,069
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$-919,000	6,784
2013-03-31 (YTD Data)		Rank
Total interest income	$1,564,000	3,590
Total interest expense	$243,000	3,231
Net interest income	$1,321,000	3,607
Provision for loan and lease losses	$0	4,409
Total noninterest income	$100,000	4,842
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$45,000	4,283
Trading account gains and fees	$0	148
Additional Noninterest Income	$55,000	4,590
Total noninterest expense	$2,069,000	2,296
Salaries and employee benefits	$829,000	2,959
Premises and equipment expense	$258,000	2,255
Additional noninterest expense	$982,000	1,634
Pre-tax net operating income	$-648,000	6,893
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$-648,000	6,903
Extraordinary gains, net	$0	10
Net income	$-648,000	6,904
Minority interest net income	$0	76
Net income of bank and minority interests.	$-648,000	6,904
Net charge-offs	$210,000	1,316
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$-648,000	6,891
2012-12-31 (YTD Data)		Rank
Total interest income	$8,852,000	2,861
Total interest expense	$1,774,000	2,377
Net interest income	$7,078,000	2,956
Provision for loan and lease losses	$635,000	2,389
Total noninterest income	$1,255,000	2,880
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$266,000	3,715
Trading account gains and fees	$0	166
Additional Noninterest Income	$989,000	2,383
Total noninterest expense	$11,952,000	1,618
Salaries and employee benefits	$3,938,000	2,489
Premises and equipment expense	$1,475,000	1,601
Additional noninterest expense	$6,539,000	1,061
Pre-tax net operating income	$-4,254,000	6,938
Securities gains (losses)	$356,000	1,209
Applicable income taxes	$0	4,751
Income before extraordinary items	$-3,898,000	6,935
Extraordinary gains, net	$0	29
Net income	$-3,898,000	6,934
Minority interest net income	$0	93
Net income of bank and minority interests.	$-3,898,000	6,934
Net charge-offs	$1,651,000	1,330
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$-4,254,000	6,934
2012-09-30 (YTD Data)		Rank
Total interest income	$7,168,000	2,728
Total interest expense	$1,396,000	2,357
Net interest income	$5,772,000	2,795
Provision for loan and lease losses	$370,000	2,694
Total noninterest income	$760,000	3,258
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$204,000	3,711
Trading account gains and fees	$0	157
Additional Noninterest Income	$556,000	2,779
Total noninterest expense	$9,009,000	1,617
Salaries and employee benefits	$3,067,000	2,407
Premises and equipment expense	$1,138,000	1,567
Additional noninterest expense	$4,804,000	1,077
Pre-tax net operating income	$-2,847,000	7,035
Securities gains (losses)	$222,000	1,353
Applicable income taxes	$0	4,802
Income before extraordinary items	$-2,625,000	7,030
Extraordinary gains, net	$0	20
Net income	$-2,625,000	7,028
Minority interest net income	$0	86
Net income of bank and minority interests.	$-2,625,000	7,029
Net charge-offs	$1,803,000	984
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$-2,847,000	7,035
2012-06-30 (YTD Data)		Rank
Total interest income	$5,068,000	2,598
Total interest expense	$979,000	2,322
Net interest income	$4,089,000	2,667
Provision for loan and lease losses	$0	5,619
Total noninterest income	$737,000	2,611
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$135,000	3,719
Trading account gains and fees	$0	153
Additional Noninterest Income	$602,000	2,105
Total noninterest expense	$5,929,000	1,634
Salaries and employee benefits	$2,109,000	2,346
Premises and equipment expense	$763,000	1,554
Additional noninterest expense	$3,057,000	1,129
Pre-tax net operating income	$-1,103,000	6,988
Securities gains (losses)	$222,000	1,033
Applicable income taxes	$0	4,770
Income before extraordinary items	$-881,000	6,973
Extraordinary gains, net	$0	19
Net income	$-881,000	6,971
Minority interest net income	$0	84
Net income of bank and minority interests.	$-881,000	6,972
Net charge-offs	$1,049,000	1,098
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$-1,103,000	6,999
2012-03-31 (YTD Data)		Rank
Total interest income	$2,704,000	2,480
Total interest expense	$503,000	2,365
Net interest income	$2,201,000	2,487
Provision for loan and lease losses	$0	5,254
Total noninterest income	$222,000	3,457
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$63,000	3,856
Trading account gains and fees	$0	148
Additional Noninterest Income	$159,000	2,993
Total noninterest expense	$3,067,000	1,587
Salaries and employee benefits	$1,085,000	2,298
Premises and equipment expense	$365,000	1,635
Additional noninterest expense	$1,617,000	1,053
Pre-tax net operating income	$-644,000	7,092
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$-644,000	7,112
Extraordinary gains, net	$0	19
Net income	$-644,000	7,111
Minority interest net income	$0	78
Net income of bank and minority interests.	$-644,000	7,112
Net charge-offs	$398,000	1,255
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$-644,000	7,101
2011-12-31 (YTD Data)		Rank
Total interest income	$12,867,000	2,169
Total interest expense	$2,461,000	2,351
Net interest income	$10,406,000	2,097
Provision for loan and lease losses	$5,400,000	737
Total noninterest income	$822,000	3,461
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$363,000	3,215
Trading account gains and fees	$-62,000	7,302
Additional Noninterest Income	$521,000	3,057
Total noninterest expense	$14,037,000	1,389
Salaries and employee benefits	$5,471,000	1,767
Premises and equipment expense	$2,680,000	939
Additional noninterest expense	$5,886,000	1,187
Pre-tax net operating income	$-8,209,000	7,173
Securities gains (losses)	$55,000	2,526
Applicable income taxes	$22,000	4,085
Income before extraordinary items	$-8,176,000	7,179
Extraordinary gains, net	$0	29
Net income	$-8,176,000	7,178
Minority interest net income	$0	96
Net income of bank and minority interests.	$-8,176,000	7,179
Net charge-offs	$4,530,000	874
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-8,231,000	7,171
2011-09-30 (YTD Data)		Rank
Total interest income	$9,905,000	2,139
Total interest expense	$1,901,000	2,376
Net interest income	$8,004,000	2,058
Provision for loan and lease losses	$1,113,000	1,836
Total noninterest income	$1,119,000	2,453
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$180,000	4,064
Trading account gains and fees	$-62,000	7,383
Additional Noninterest Income	$1,001,000	1,764
Total noninterest expense	$10,573,000	1,390
Salaries and employee benefits	$4,456,000	1,651
Premises and equipment expense	$1,971,000	968
Additional noninterest expense	$4,146,000	1,250
Pre-tax net operating income	$-2,563,000	7,068
Securities gains (losses)	$20,000	2,810
Applicable income taxes	$22,000	4,001
Income before extraordinary items	$-2,565,000	7,113
Extraordinary gains, net	$0	21
Net income	$-2,565,000	7,114
Minority interest net income	$0	87
Net income of bank and minority interests.	$-2,565,000	7,114
Net charge-offs	$1,927,000	1,259
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-2,585,000	7,100
2011-06-30 (YTD Data)		Rank
Total interest income	$6,765,000	2,110
Total interest expense	$1,270,000	2,449
Net interest income	$5,495,000	2,001
Provision for loan and lease losses	$813,000	1,706
Total noninterest income	$939,000	2,086
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,067
Trading account gains and fees	$-62,000	7,473
Additional Noninterest Income	$1,001,000	1,341
Total noninterest expense	$7,273,000	1,364
Salaries and employee benefits	$3,468,000	1,437
Premises and equipment expense	$1,389,000	929
Additional noninterest expense	$2,416,000	1,451
Pre-tax net operating income	$-1,652,000	7,123
Securities gains (losses)	$-5,000	7,014
Applicable income taxes	$-9,000	6,862
Income before extraordinary items	$-1,648,000	7,169
Extraordinary gains, net	$0	15
Net income	$-1,648,000	7,170
Minority interest net income	$0	89
Net income of bank and minority interests.	$-1,648,000	7,170
Net charge-offs	$360,000	2,483
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-1,643,050	7,150
2011-03-31 (YTD Data)		Rank
Total interest income	$3,433,000	2,078
Total interest expense	$668,000	2,416
Net interest income	$2,765,000	1,982
Provision for loan and lease losses	$713,000	1,114
Total noninterest income	$450,000	2,170
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,070
Trading account gains and fees	$-62,000	7,553
Additional Noninterest Income	$512,000	1,320
Total noninterest expense	$4,350,000	1,157
Salaries and employee benefits	$2,188,000	1,159
Premises and equipment expense	$756,000	869
Additional noninterest expense	$1,406,000	1,258
Pre-tax net operating income	$-1,848,000	7,381
Securities gains (losses)	$0	1,772
Applicable income taxes	$-3,000	6,930
Income before extraordinary items	$-1,845,000	7,393
Extraordinary gains, net	$0	9
Net income	$-1,845,000	7,393
Minority interest net income	$0	86
Net income of bank and minority interests.	$-1,845,000	7,393
Net charge-offs	$542,000	1,269
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-1,845,000	7,391
2010-12-31 (YTD Data)		Rank
Total interest income	$17,049,000	1,771
Total interest expense	$3,135,000	2,509
Net interest income	$13,914,000	1,606
Provision for loan and lease losses	$8,398,000	774
Total noninterest income	$3,835,000	1,310
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$309,000	104
Additional Noninterest Income	$3,526,000	952
Total noninterest expense	$19,635,000	1,016
Salaries and employee benefits	$9,363,000	1,054
Premises and equipment expense	$3,157,000	817
Additional noninterest expense	$7,115,000	1,034
Pre-tax net operating income	$-10,284,000	7,363
Securities gains (losses)	$728,000	641
Applicable income taxes	$3,701,000	456
Income before extraordinary items	$-13,257,000	7,450
Extraordinary gains, net	$0	29
Net income	$-13,257,000	7,450
Minority interest net income	$0	111
Net income of bank and minority interests.	$-13,257,000	7,450
Net charge-offs	$6,187,000	858
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-13,985,000	7,445
2010-09-30 (YTD Data)		Rank
Total interest income	$13,211,000	1,755
Total interest expense	$2,411,000	2,553
Net interest income	$10,800,000	1,567
Provision for loan and lease losses	$7,581,000	631
Total noninterest income	$2,568,000	1,398
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$1,432,000	68
Additional Noninterest Income	$1,136,000	1,657
Total noninterest expense	$13,176,000	1,120
Salaries and employee benefits	$6,130,000	1,198
Premises and equipment expense	$2,305,000	838
Additional noninterest expense	$4,741,000	1,148
Pre-tax net operating income	$-7,389,000	7,485
Securities gains (losses)	$727,000	541
Applicable income taxes	$3,696,000	366
Income before extraordinary items	$-10,358,000	7,584
Extraordinary gains, net	$0	23
Net income	$-10,358,000	7,584
Minority interest net income	$0	110
Net income of bank and minority interests.	$-10,358,000	7,584
Net charge-offs	$5,091,000	775
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-11,085,000	7,590
2010-06-30 (YTD Data)		Rank
Total interest income	$8,716,000	1,795
Total interest expense	$1,629,000	2,615
Net interest income	$7,087,000	1,597
Provision for loan and lease losses	$3,636,000	817
Total noninterest income	$387,000	3,701
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$387,000	2,457
Total noninterest expense	$6,957,000	1,423
Salaries and employee benefits	$3,454,000	1,432
Premises and equipment expense	$1,332,000	988
Additional noninterest expense	$2,171,000	1,616
Pre-tax net operating income	$-3,119,000	7,407
Securities gains (losses)	$43,000	1,985
Applicable income taxes	$-65,000	7,122
Income before extraordinary items	$-3,011,000	7,448
Extraordinary gains, net	$0	19
Net income	$-3,011,000	7,447
Minority interest net income	$0	105
Net income of bank and minority interests.	$-3,011,000	7,448
Net charge-offs	$3,137,000	797
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-3,053,140	7,442
2010-03-31 (YTD Data)		Rank
Total interest income	$4,290,000	1,867
Total interest expense	$870,000	2,577
Net interest income	$3,420,000	1,662
Provision for loan and lease losses	$376,000	2,131
Total noninterest income	$222,000	3,440
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$222,000	2,244
Total noninterest expense	$3,214,000	1,565
Salaries and employee benefits	$1,625,000	1,535
Premises and equipment expense	$672,000	1,012
Additional noninterest expense	$917,000	1,871
Pre-tax net operating income	$52,000	5,639
Securities gains (losses)	$0	2,284
Applicable income taxes	$13,000	3,663
Income before extraordinary items	$39,000	5,857
Extraordinary gains, net	$0	16
Net income	$39,000	5,858
Minority interest net income	$0	91
Net income of bank and minority interests.	$39,000	5,857
Net charge-offs	$-185,000	7,890
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$39,000	5,748
2009-12-31 (YTD Data)		Rank
Total interest income	$18,309,000	1,855
Total interest expense	$5,961,000	1,932
Net interest income	$12,348,000	1,803
Provision for loan and lease losses	$6,966,000	1,127
Total noninterest income	$-1,186,000	7,939
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	211
Additional Noninterest Income	$-1,186,000	7,893
Total noninterest expense	$11,827,000	1,723
Salaries and employee benefits	$5,744,000	1,722
Premises and equipment expense	$2,440,000	1,125
Additional noninterest expense	$3,643,000	2,002
Pre-tax net operating income	$-7,631,000	7,391
Securities gains (losses)	$402,000	1,015
Applicable income taxes	$-2,842,000	7,614
Income before extraordinary items	$-4,387,000	7,202
Extraordinary gains, net	$0	34
Net income	$-4,387,000	7,201
Minority interest net income	$0	115
Net income of bank and minority interests.	$-4,387,000	7,201
Net charge-offs	$6,536,000	947
Cash dividends	$228,000	3,517
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-4,644,280	7,236
2009-09-30 (YTD Data)		Rank
Total interest income	$13,919,000	1,867
Total interest expense	$4,774,000	1,907
Net interest income	$9,145,000	1,821
Provision for loan and lease losses	$1,842,000	2,010
Total noninterest income	$-1,091,000	8,048
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	212
Additional Noninterest Income	$-1,091,000	8,024
Total noninterest expense	$9,222,000	1,649
Salaries and employee benefits	$4,655,000	1,614
Premises and equipment expense	$1,833,000	1,128
Additional noninterest expense	$2,734,000	1,937
Pre-tax net operating income	$-3,010,000	7,293
Securities gains (losses)	$4,000	3,208
Applicable income taxes	$-1,179,000	7,605
Income before extraordinary items	$-1,827,000	7,118
Extraordinary gains, net	$0	27
Net income	$-1,827,000	7,117
Minority interest net income	$0	118
Net income of bank and minority interests.	$-1,827,000	7,117
Net charge-offs	$267,000	3,880
Cash dividends	$228,000	2,941
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-1,829,560	7,109
2009-06-30 (YTD Data)		Rank
Total interest income	$9,192,000	1,922
Total interest expense	$3,337,000	1,909
Net interest income	$5,855,000	1,879
Provision for loan and lease losses	$1,229,000	1,840
Total noninterest income	$-1,079,000	8,139
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	193
Additional Noninterest Income	$-1,079,000	8,129
Total noninterest expense	$5,857,000	1,755
Salaries and employee benefits	$2,962,000	1,725
Premises and equipment expense	$1,172,000	1,210
Additional noninterest expense	$1,723,000	2,052
Pre-tax net operating income	$-2,310,000	7,464
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$-2,310,000	7,538
Extraordinary gains, net	$0	21
Net income	$-2,310,000	7,537
Minority interest net income	$0	112
Net income of bank and minority interests.	$-2,310,000	7,537
Net charge-offs	$258,000	3,121
Cash dividends	$228,000	2,537
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-2,310,000	7,548
2009-03-31 (YTD Data)		Rank
Total interest income	$4,594,000	1,943
Total interest expense	$1,689,000	1,961
Net interest income	$2,905,000	1,896
Provision for loan and lease losses	$0	6,744
Total noninterest income	$49,000	6,415
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	171
Additional Noninterest Income	$49,000	4,878
Total noninterest expense	$2,736,000	1,814
Salaries and employee benefits	$1,426,000	1,825
Premises and equipment expense	$581,000	1,229
Additional noninterest expense	$729,000	2,145
Pre-tax net operating income	$218,000	3,894
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$218,000	3,717
Extraordinary gains, net	$0	15
Net income	$218,000	3,717
Minority interest net income	$0	102
Net income of bank and minority interests.	$218,000	3,718
Net charge-offs	$74,000	3,184
Cash dividends	$228,000	1,601
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$218,000	3,568
2008-12-31 (YTD Data)		Rank
Total interest income	$19,623,000	1,953
Total interest expense	$6,809,000	2,249
Net interest income	$12,814,000	1,739
Provision for loan and lease losses	$1,565,000	2,104
Total noninterest income	$672,000	4,227
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	154
Additional Noninterest Income	$672,000	2,713
Total noninterest expense	$10,532,000	1,841
Salaries and employee benefits	$5,316,000	1,900
Premises and equipment expense	$2,195,000	1,244
Additional noninterest expense	$3,021,000	1,999
Pre-tax net operating income	$1,389,000	3,149
Securities gains (losses)	$0	3,220
Applicable income taxes	$-817,000	7,641
Income before extraordinary items	$2,206,000	1,814
Extraordinary gains, net	$0	39
Net income	$2,206,000	1,816
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$178,000	4,250
Cash dividends	$989,000	2,349
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,206,000	1,933
2008-09-30 (YTD Data)		Rank
Total interest income	$14,769,000	1,981
Total interest expense	$5,223,000	2,284
Net interest income	$9,546,000	1,769
Provision for loan and lease losses	$532,000	2,650
Total noninterest income	$942,000	3,014
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$942,000	1,907
Total noninterest expense	$8,078,000	1,790
Salaries and employee benefits	$4,102,000	1,884
Premises and equipment expense	$1,642,000	1,257
Additional noninterest expense	$2,334,000	1,893
Pre-tax net operating income	$1,878,000	2,406
Securities gains (losses)	$0	3,106
Applicable income taxes	$43,000	4,206
Income before extraordinary items	$1,835,000	1,930
Extraordinary gains, net	$0	31
Net income	$1,835,000	1,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	4,092
Cash dividends	$989,000	1,848
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,835,000	2,032
2008-06-30 (YTD Data)		Rank
Total interest income	$9,875,000	2,007
Total interest expense	$3,559,000	2,338
Net interest income	$6,316,000	1,767
Provision for loan and lease losses	$142,000	3,753
Total noninterest income	$664,000	2,945
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$664,000	1,860
Total noninterest expense	$5,492,000	1,755
Salaries and employee benefits	$2,770,000	1,885
Premises and equipment expense	$1,073,000	1,282
Additional noninterest expense	$1,649,000	1,770
Pre-tax net operating income	$1,346,000	2,400
Securities gains (losses)	$0	3,233
Applicable income taxes	$38,000	4,270
Income before extraordinary items	$1,308,000	2,028
Extraordinary gains, net	$0	21
Net income	$1,308,000	2,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	3,182
Cash dividends	$706,000	1,840
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,308,000	1,990
2008-03-31 (YTD Data)		Rank
Total interest income	$5,069,000	2,007
Total interest expense	$1,894,000	2,350
Net interest income	$3,175,000	1,758
Provision for loan and lease losses	$0	6,080
Total noninterest income	$264,000	3,398
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$264,000	2,141
Total noninterest expense	$2,641,000	1,812
Salaries and employee benefits	$1,356,000	1,937
Premises and equipment expense	$532,000	1,295
Additional noninterest expense	$753,000	1,870
Pre-tax net operating income	$798,000	2,164
Securities gains (losses)	$0	2,688
Applicable income taxes	$17,000	4,476
Income before extraordinary items	$781,000	1,854
Extraordinary gains, net	$0	15
Net income	$781,000	1,856
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	2,520
Cash dividends	$321,000	1,805
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$781,000	1,789
2007-12-31 (YTD Data)		Rank
Total interest income	$21,039,000	2,000
Total interest expense	$8,562,000	2,200
Net interest income	$12,477,000	1,818
Provision for loan and lease losses	$411,000	2,657
Total noninterest income	$1,761,000	2,419
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,761,000	1,488
Total noninterest expense	$10,748,000	1,723
Salaries and employee benefits	$5,388,000	1,874
Premises and equipment expense	$1,974,000	1,339
Additional noninterest expense	$3,386,000	1,648
Pre-tax net operating income	$3,079,000	2,413
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$3,079,000	2,001
Extraordinary gains, net	$0	39
Net income	$3,079,000	2,000
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,761
Cash dividends	$1,292,000	2,238
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$3,079,000	1,985
2007-09-30 (YTD Data)		Rank
Total interest income	$15,641,000	2,024
Total interest expense	$6,394,000	2,205
Net interest income	$9,247,000	1,841
Provision for loan and lease losses	$149,000	3,511
Total noninterest income	$1,458,000	2,261
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,458,000	1,404
Total noninterest expense	$8,098,000	1,702
Salaries and employee benefits	$4,104,000	1,841
Premises and equipment expense	$1,475,000	1,329
Additional noninterest expense	$2,519,000	1,619
Pre-tax net operating income	$2,458,000	2,472
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$2,458,000	2,030
Extraordinary gains, net	$0	33
Net income	$2,458,000	2,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,646
Cash dividends	$1,050,000	1,924
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,458,000	2,022
2007-06-30 (YTD Data)		Rank
Total interest income	$10,283,000	2,061
Total interest expense	$4,175,000	2,255
Net interest income	$6,108,000	1,887
Provision for loan and lease losses	$90,000	3,429
Total noninterest income	$831,000	2,533
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$831,000	1,578
Total noninterest expense	$5,388,000	1,711
Salaries and employee benefits	$2,730,000	1,872
Premises and equipment expense	$930,000	1,430
Additional noninterest expense	$1,728,000	1,566
Pre-tax net operating income	$1,461,000	2,729
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$1,461,000	2,248
Extraordinary gains, net	$0	29
Net income	$1,461,000	2,247
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,333
Cash dividends	$756,000	1,871
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,461,000	2,233
2007-03-31 (YTD Data)		Rank
Total interest income	$5,110,000	2,076
Total interest expense	$2,045,000	2,282
Net interest income	$3,065,000	1,877
Provision for loan and lease losses	$90,000	2,153
Total noninterest income	$392,000	2,597
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$392,000	1,611
Total noninterest expense	$2,642,000	1,759
Salaries and employee benefits	$1,351,000	1,904
Premises and equipment expense	$432,000	1,558
Additional noninterest expense	$859,000	1,551
Pre-tax net operating income	$725,000	2,733
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$725,000	2,242
Extraordinary gains, net	$0	22
Net income	$725,000	2,242
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,566
Cash dividends	$466,000	1,498
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$725,000	2,223
2006-12-31 (YTD Data)		Rank
Total interest income	$17,983,000	2,178
Total interest expense	$5,703,000	2,704
Net interest income	$12,280,000	1,886
Provision for loan and lease losses	$189,000	3,643
Total noninterest income	$1,485,000	2,713
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,485,000	1,680
Total noninterest expense	$9,039,000	1,952
Salaries and employee benefits	$4,538,000	2,151
Premises and equipment expense	$1,373,000	1,835
Additional noninterest expense	$3,128,000	1,686
Pre-tax net operating income	$4,537,000	2,037
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$4,537,000	1,597
Extraordinary gains, net	$0	51
Net income	$4,537,000	1,598
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,587
Cash dividends	$1,839,000	1,660
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$4,537,000	1,579
2006-09-30 (YTD Data)		Rank
Total interest income	$13,019,000	2,239
Total interest expense	$3,831,000	2,888
Net interest income	$9,188,000	1,911
Provision for loan and lease losses	$133,000	3,684
Total noninterest income	$1,122,000	2,718
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,122,000	1,666
Total noninterest expense	$6,806,000	1,939
Salaries and employee benefits	$3,431,000	2,143
Premises and equipment expense	$1,021,000	1,852
Additional noninterest expense	$2,354,000	1,674
Pre-tax net operating income	$3,371,000	2,123
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$3,371,000	1,649
Extraordinary gains, net	$0	45
Net income	$3,371,000	1,650
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,141
Cash dividends	$1,381,000	1,553
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$3,371,000	1,633
2006-06-30 (YTD Data)		Rank
Total interest income	$8,285,000	2,295
Total interest expense	$2,270,000	3,068
Net interest income	$6,015,000	1,936
Provision for loan and lease losses	$85,000	3,650
Total noninterest income	$724,000	2,771
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$724,000	1,719
Total noninterest expense	$4,427,000	1,992
Salaries and employee benefits	$2,276,000	2,158
Premises and equipment expense	$655,000	1,920
Additional noninterest expense	$1,496,000	1,763
Pre-tax net operating income	$2,227,000	2,134
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$2,227,000	1,637
Extraordinary gains, net	$0	39
Net income	$2,227,000	1,638
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$877,000	1,614
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$2,227,000	1,623
2006-03-31 (YTD Data)		Rank
Total interest income	$3,843,000	2,408
Total interest expense	$938,000	3,422
Net interest income	$2,905,000	2,000
Provision for loan and lease losses	$85,000	2,271
Total noninterest income	$296,000	3,115
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$296,000	1,961
Total noninterest expense	$2,148,000	2,057
Salaries and employee benefits	$1,120,000	2,201
Premises and equipment expense	$319,000	1,987
Additional noninterest expense	$709,000	1,844
Pre-tax net operating income	$968,000	2,333
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$968,000	1,854
Extraordinary gains, net	$0	21
Net income	$968,000	1,853
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$539,000	1,257
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$968,000	1,836
2005-12-31 (YTD Data)		Rank
Total interest income	$12,847,000	2,568
Total interest expense	$2,610,000	3,706
Net interest income	$10,237,000	2,163
Provision for loan and lease losses	$191,000	3,667
Total noninterest income	$1,266,000	3,019
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,266,000	1,884
Total noninterest expense	$7,571,000	2,211
Salaries and employee benefits	$4,078,000	2,250
Premises and equipment expense	$1,155,000	2,077
Additional noninterest expense	$2,338,000	2,137
Pre-tax net operating income	$3,741,000	2,330
Securities gains (losses)	$12,000	1,423
Applicable income taxes	$0	6,964
Income before extraordinary items	$3,753,000	1,831
Extraordinary gains, net	$0	46
Net income	$3,753,000	1,830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,381
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$411,000	561
Net operating income	$3,741,000	1,817
2005-09-30 (YTD Data)		Rank
Total interest income	$9,205,000	2,606
Total interest expense	$1,733,000	3,907
Net interest income	$7,472,000	2,200
Provision for loan and lease losses	$0	6,899
Total noninterest income	$903,000	3,138
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$903,000	1,946
Total noninterest expense	$5,335,000	2,320
Salaries and employee benefits	$2,824,000	2,386
Premises and equipment expense	$848,000	2,102
Additional noninterest expense	$1,663,000	2,223
Pre-tax net operating income	$3,040,000	2,208
Securities gains (losses)	$12,000	1,416
Applicable income taxes	$0	6,976
Income before extraordinary items	$3,052,000	1,726
Extraordinary gains, net	$0	35
Net income	$3,052,000	1,727
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,856
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$379,000	432
Net operating income	$3,040,000	1,703
2005-06-30 (YTD Data)		Rank
Total interest income	$5,918,000	2,631
Total interest expense	$1,093,000	3,888
Net interest income	$4,825,000	2,243
Provision for loan and lease losses	$0	6,626
Total noninterest income	$591,000	3,134
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$591,000	1,949
Total noninterest expense	$3,299,000	2,472
Salaries and employee benefits	$1,734,000	2,565
Premises and equipment expense	$547,000	2,171
Additional noninterest expense	$1,018,000	2,380
Pre-tax net operating income	$2,117,000	2,091
Securities gains (losses)	$7,000	1,472
Applicable income taxes	$0	6,961
Income before extraordinary items	$2,124,000	1,622
Extraordinary gains, net	$0	30
Net income	$2,124,000	1,622
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,290
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$142,000	396
Net operating income	$2,117,000	1,602
2005-03-31 (YTD Data)		Rank
Total interest income	$2,820,000	2,712
Total interest expense	$528,000	3,880
Net interest income	$2,292,000	2,342
Provision for loan and lease losses	$0	6,226
Total noninterest income	$259,000	3,389
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$259,000	2,098
Total noninterest expense	$1,602,000	2,553
Salaries and employee benefits	$842,000	2,660
Premises and equipment expense	$267,000	2,224
Additional noninterest expense	$493,000	2,469
Pre-tax net operating income	$949,000	2,262
Securities gains (losses)	$3,000	1,324
Applicable income taxes	$0	6,892
Income before extraordinary items	$952,000	1,773
Extraordinary gains, net	$0	24
Net income	$952,000	1,774
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,685
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$19,000	396
Net operating income	$949,000	1,739
2004-12-31 (YTD Data)		Rank
Total interest income	$9,434,000	2,980
Total interest expense	$1,778,000	4,011
Net interest income	$7,656,000	2,640
Provision for loan and lease losses	$338,000	2,685
Total noninterest income	$858,000	3,884
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$858,000	2,374
Total noninterest expense	$5,734,000	2,765
Salaries and employee benefits	$3,042,000	2,804
Premises and equipment expense	$1,035,000	2,215
Additional noninterest expense	$1,657,000	2,879
Pre-tax net operating income	$2,442,000	3,068
Securities gains (losses)	$58,000	1,619
Applicable income taxes	$0	7,185
Income before extraordinary items	$2,500,000	2,431
Extraordinary gains, net	$0	34
Net income	$2,500,000	2,433
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	5,939
Cash dividends	$176,000	5,013
Sale, conversion, retirement of capital stock, net	$1,305,000	377
Net operating income	$2,442,000	2,424
2004-09-30 (YTD Data)		Rank
Total interest income	$6,784,000	3,063
Total interest expense	$1,289,000	4,066
Net interest income	$5,495,000	2,736
Provision for loan and lease losses	$320,000	2,139
Total noninterest income	$594,000	4,109
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$594,000	2,515
Total noninterest expense	$4,107,000	2,849
Salaries and employee benefits	$2,145,000	2,944
Premises and equipment expense	$765,000	2,244
Additional noninterest expense	$1,197,000	2,941
Pre-tax net operating income	$1,662,000	3,345
Securities gains (losses)	$34,000	1,949
Applicable income taxes	$0	7,220
Income before extraordinary items	$1,696,000	2,677
Extraordinary gains, net	$0	26
Net income	$1,696,000	2,679
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	5,248
Cash dividends	$176,000	4,133
Sale, conversion, retirement of capital stock, net	$1,175,000	291
Net operating income	$1,662,000	2,659
2004-06-30 (YTD Data)		Rank
Total interest income	$4,314,000	3,177
Total interest expense	$823,000	4,196
Net interest income	$3,491,000	2,858
Provision for loan and lease losses	$168,000	2,528
Total noninterest income	$375,000	4,259
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$375,000	2,615
Total noninterest expense	$2,626,000	2,958
Salaries and employee benefits	$1,363,000	3,094
Premises and equipment expense	$484,000	2,353
Additional noninterest expense	$779,000	3,006
Pre-tax net operating income	$1,072,000	3,371
Securities gains (losses)	$21,000	2,004
Applicable income taxes	$0	7,214
Income before extraordinary items	$1,093,000	2,730
Extraordinary gains, net	$0	21
Net income	$1,093,000	2,731
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	4,514
Cash dividends	$176,000	3,617
Sale, conversion, retirement of capital stock, net	$300,000	302
Net operating income	$1,072,000	2,699
2004-03-31 (YTD Data)		Rank
Total interest income	$1,989,000	3,402
Total interest expense	$413,000	4,224
Net interest income	$1,576,000	3,138
Provision for loan and lease losses	$60,000	2,918
Total noninterest income	$176,000	4,381
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$176,000	2,676
Total noninterest expense	$1,243,000	3,112
Salaries and employee benefits	$655,000	3,204
Premises and equipment expense	$244,000	2,365
Additional noninterest expense	$344,000	3,344
Pre-tax net operating income	$449,000	3,790
Securities gains (losses)	$3,000	2,499
Applicable income taxes	$0	7,103
Income before extraordinary items	$452,000	3,185
Extraordinary gains, net	$0	16
Net income	$452,000	3,185
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	3,279
Cash dividends	$176,000	2,329
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$449,000	3,092
2003-12-31 (YTD Data)		Rank
Total interest income	$6,937,000	3,856
Total interest expense	$1,428,000	5,022
Net interest income	$5,509,000	3,419
Provision for loan and lease losses	$443,000	2,396
Total noninterest income	$1,046,000	3,623
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,046,000	2,324
Total noninterest expense	$4,709,000	3,206
Salaries and employee benefits	$2,474,000	3,292
Premises and equipment expense	$963,000	2,336
Additional noninterest expense	$1,272,000	3,564
Pre-tax net operating income	$1,403,000	4,306
Securities gains (losses)	$232,000	1,232
Applicable income taxes	$16,000	6,881
Income before extraordinary items	$1,619,000	3,363
Extraordinary gains, net	$0	54
Net income	$1,619,000	3,364
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	4,498
Cash dividends	$315,000	4,286
Sale, conversion, retirement of capital stock, net	$1,793,000	355
Net operating income	$1,389,320	3,597
2003-09-30 (YTD Data)		Rank
Total interest income	$4,979,000	4,044
Total interest expense	$1,036,000	5,267
Net interest income	$3,943,000	3,563
Provision for loan and lease losses	$334,000	2,324
Total noninterest income	$858,000	3,476
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$858,000	2,268
Total noninterest expense	$3,517,000	3,214
Salaries and employee benefits	$1,892,000	3,248
Premises and equipment expense	$719,000	2,346
Additional noninterest expense	$906,000	3,699
Pre-tax net operating income	$950,000	4,691
Securities gains (losses)	$223,000	1,169
Applicable income taxes	$16,000	6,892
Income before extraordinary items	$1,157,000	3,596
Extraordinary gains, net	$0	40
Net income	$1,157,000	3,595
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	5,642
Cash dividends	$204,000	3,985
Sale, conversion, retirement of capital stock, net	$1,793,000	251
Net operating income	$936,230	3,986
2003-06-30 (YTD Data)		Rank
Total interest income	$3,185,000	4,214
Total interest expense	$689,000	5,400
Net interest income	$2,496,000	3,700
Provision for loan and lease losses	$215,000	2,376
Total noninterest income	$555,000	3,528
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$555,000	2,292
Total noninterest expense	$2,351,000	3,217
Salaries and employee benefits	$1,300,000	3,146
Premises and equipment expense	$464,000	2,405
Additional noninterest expense	$587,000	3,758
Pre-tax net operating income	$485,000	5,391
Securities gains (losses)	$198,000	1,046
Applicable income taxes	$14,000	6,809
Income before extraordinary items	$669,000	3,989
Extraordinary gains, net	$0	30
Net income	$669,000	3,989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	5,638
Cash dividends	$122,000	4,064
Sale, conversion, retirement of capital stock, net	$1,783,000	159
Net operating income	$474,960	4,725
2003-03-31 (YTD Data)		Rank
Total interest income	$1,515,000	4,395
Total interest expense	$343,000	5,500
Net interest income	$1,172,000	3,898
Provision for loan and lease losses	$93,000	2,472
Total noninterest income	$252,000	3,623
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$252,000	2,351
Total noninterest expense	$1,108,000	3,366
Salaries and employee benefits	$607,000	3,327
Premises and equipment expense	$229,000	2,426
Additional noninterest expense	$272,000	3,952
Pre-tax net operating income	$223,000	5,566
Securities gains (losses)	$46,000	1,434
Applicable income taxes	$0	7,403
Income before extraordinary items	$269,000	4,530
Extraordinary gains, net	$0	21
Net income	$269,000	4,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$9,000	3,860
Sale, conversion, retirement of capital stock, net	$1,750,000	80
Net operating income	$223,000	4,826
2002-12-31 (YTD Data)		Rank
Total interest income	$5,413,000	4,898
Total interest expense	$1,547,000	5,629
Net interest income	$3,866,000	4,458
Provision for loan and lease losses	$163,000	4,771
Total noninterest income	$516,000	5,124
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$516,000	3,228
Total noninterest expense	$3,572,000	3,893
Salaries and employee benefits	$1,671,000	4,320
Premises and equipment expense	$872,000	2,481
Additional noninterest expense	$1,029,000	4,085
Pre-tax net operating income	$647,000	6,263
Securities gains (losses)	$40,000	2,603
Applicable income taxes	$0	7,681
Income before extraordinary items	$687,000	5,611
Extraordinary gains, net	$0	70
Net income	$687,000	5,610
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,000	3,865
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$50,000	715
Net operating income	$647,000	5,634
2001-12-31 (YTD Data)		Rank
Total interest income	$4,288,000	6,116
Total interest expense	$1,781,000	6,441
Net interest income	$2,507,000	5,708
Provision for loan and lease losses	$272,000	3,428
Total noninterest income	$357,000	5,969
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$357,000	3,766
Total noninterest expense	$3,326,000	3,992
Salaries and employee benefits	$1,632,000	4,247
Premises and equipment expense	$682,000	3,015
Additional noninterest expense	$1,012,000	4,035
Pre-tax net operating income	$-734,000	9,261
Securities gains (losses)	$238,000	1,053
Applicable income taxes	$0	7,903
Income before extraordinary items	$-496,000	9,238
Extraordinary gains, net	$0	105
Net income	$-496,000	9,239
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	5,124
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$10,000	848
Net operating income	$-734,000	9,293
2000-12-31 (YTD Data)		Rank
Total interest income	$3,327,000	7,083
Total interest expense	$1,379,000	7,390
Net interest income	$1,948,000	6,634
Provision for loan and lease losses	$91,000	5,498
Total noninterest income	$146,000	7,952
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$146,000	5,537
Total noninterest expense	$1,653,000	6,360
Salaries and employee benefits	$825,000	6,613
Premises and equipment expense	$325,000	5,187
Additional noninterest expense	$503,000	6,410
Pre-tax net operating income	$350,000	7,694
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$350,000	7,150
Extraordinary gains, net	$0	38
Net income	$350,000	7,148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$350,000	7,147
1999-12-31 (YTD Data)		Rank
Total interest income	$2,153,000	8,325
Total interest expense	$827,000	8,622
Net interest income	$1,326,000	7,929
Provision for loan and lease losses	$224,000	3,326
Total noninterest income	$59,000	9,459
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$59,000	7,752
Total noninterest expense	$1,321,000	7,241
Salaries and employee benefits	$620,000	7,644
Premises and equipment expense	$284,000	5,628
Additional noninterest expense	$417,000	7,132
Pre-tax net operating income	$-160,000	9,587
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$-160,000	9,638
Extraordinary gains, net	$0	35
Net income	$-160,000	9,637
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-160,000	9,615
1998-12-31 (YTD Data)		Rank
Total interest income	$437,000	10,257
Total interest expense	$109,000	10,290
Net interest income	$328,000	10,170
Provision for loan and lease losses	$152,000	4,118
Total noninterest income	$22,000	10,189
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$22,000	9,387
Total noninterest expense	$970,000	8,211
Salaries and employee benefits	$350,000	9,298
Premises and equipment expense	$144,000	7,784
Additional noninterest expense	$476,000	6,604
Pre-tax net operating income	$-772,000	10,287
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$-772,000	10,327
Extraordinary gains, net	$0	32
Net income	$-772,000	10,320
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-772,000	10,303

* 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.