Home > Oxford Bank & Trust > Income and Expense

Oxford Bank & Trust, Income and Expense

2021-09-30 (YTD Data)		Rank
Total interest income	$19,122,000	1,233
Total interest expense	$1,624,000	1,316
Net interest income	$17,498,000	1,222
Provision for loan and lease losses	$150,000	1,662
Total noninterest income	$938,000	2,776
Gross Fiduciary activities income	$58,000	734
Service charges on deposit accounts	$305,000	1,836
Trading account gains and fees	NA	NA
Additional Noninterest Income	$575,000	2,923
Total noninterest expense	$12,881,000	1,317
Salaries and employee benefits	$8,354,000	1,193
Premises and equipment expense	$1,797,000	1,033
Additional noninterest expense	$2,730,000	1,701
Pre-tax net operating income	$5,405,000	1,668
Securities gains (losses)	$1,595,000	143
Applicable income taxes	$21,000	3,423
Income before extraordinary items	$6,979,000	1,251
Extraordinary gains, net	$0	8
Net income	$6,979,000	1,251
Minority interest net income	$0	69
Net income of bank and minority interests.	$6,979,000	1,251
Net charge-offs	$31,000	1,558
Cash dividends	$7,342,000	476
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$5,384,000	1,502
2021-06-30 (YTD Data)		Rank
Total interest income	$13,118,000	1,201
Total interest expense	$1,143,000	1,308
Net interest income	$11,975,000	1,186
Provision for loan and lease losses	$150,000	1,356
Total noninterest income	$627,000	2,743
Gross Fiduciary activities income	$42,000	733
Service charges on deposit accounts	$204,000	1,773
Trading account gains and fees	NA	NA
Additional Noninterest Income	$381,000	2,907
Total noninterest expense	$8,493,000	1,315
Salaries and employee benefits	$5,481,000	1,210
Premises and equipment expense	$1,209,000	1,033
Additional noninterest expense	$1,803,000	1,692
Pre-tax net operating income	$3,959,000	1,537
Securities gains (losses)	$1,024,000	157
Applicable income taxes	$21,000	3,313
Income before extraordinary items	$4,962,000	1,190
Extraordinary gains, net	$0	6
Net income	$4,962,000	1,191
Minority interest net income	$0	67
Net income of bank and minority interests.	$4,962,000	1,191
Net charge-offs	$12,000	1,675
Cash dividends	$6,345,000	374
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$3,938,000	1,387
2021-03-31 (YTD Data)		Rank
Total interest income	$6,882,000	1,156
Total interest expense	$634,000	1,243
Net interest income	$6,248,000	1,135
Provision for loan and lease losses	$150,000	937
Total noninterest income	$303,000	2,790
Gross Fiduciary activities income	$21,000	735
Service charges on deposit accounts	$110,000	1,677
Trading account gains and fees	NA	NA
Additional Noninterest Income	$172,000	2,994
Total noninterest expense	$4,300,000	1,291
Salaries and employee benefits	$2,734,000	1,197
Premises and equipment expense	$637,000	991
Additional noninterest expense	$929,000	1,629
Pre-tax net operating income	$2,101,000	1,481
Securities gains (losses)	$387,000	225
Applicable income taxes	$17,000	3,132
Income before extraordinary items	$2,471,000	1,201
Extraordinary gains, net	$0	3
Net income	$2,471,000	1,201
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,471,000	1,201
Net charge-offs	$65,000	736
Cash dividends	$452,000	1,277
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$2,087,870	1,318
2020-12-31 (YTD Data)		Rank
Total interest income	$28,334,000	1,116
Total interest expense	$3,921,000	1,182
Net interest income	$24,413,000	1,094
Provision for loan and lease losses	$1,035,000	1,565
Total noninterest income	$1,482,000	2,439
Gross Fiduciary activities income	$70,000	747
Service charges on deposit accounts	$413,000	1,861
Trading account gains and fees	NA	NA
Additional Noninterest Income	$999,000	2,479
Total noninterest expense	$16,886,000	1,271
Salaries and employee benefits	$10,737,000	1,180
Premises and equipment expense	$2,342,000	1,034
Additional noninterest expense	$3,807,000	1,594
Pre-tax net operating income	$7,974,000	1,257
Securities gains (losses)	$4,360,000	121
Applicable income taxes	$8,000	3,530
Income before extraordinary items	$12,326,000	787
Extraordinary gains, net	$0	4
Net income	$12,326,000	787
Minority interest net income	$0	72
Net income of bank and minority interests.	$12,326,000	787
Net charge-offs	$67,000	2,235
Cash dividends	$2,071,000	1,477
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$7,966,000	1,113
2020-09-30 (YTD Data)		Rank
Total interest income	$20,994,000	1,125
Total interest expense	$3,092,000	1,200
Net interest income	$17,902,000	1,102
Provision for loan and lease losses	$735,000	1,631
Total noninterest income	$1,235,000	2,288
Gross Fiduciary activities income	$56,000	737
Service charges on deposit accounts	$308,000	1,848
Trading account gains and fees	NA	NA
Additional Noninterest Income	$871,000	2,286
Total noninterest expense	$12,417,000	1,276
Salaries and employee benefits	$7,784,000	1,204
Premises and equipment expense	$1,738,000	1,040
Additional noninterest expense	$2,895,000	1,552
Pre-tax net operating income	$5,985,000	1,212
Securities gains (losses)	$4,369,000	104
Applicable income taxes	$8,000	3,498
Income before extraordinary items	$10,346,000	690
Extraordinary gains, net	$0	4
Net income	$10,346,000	690
Minority interest net income	$0	65
Net income of bank and minority interests.	$10,346,000	690
Net charge-offs	$74,000	1,843
Cash dividends	$1,949,000	1,142
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$5,977,000	1,074
2020-06-30 (YTD Data)		Rank
Total interest income	$13,992,000	1,133
Total interest expense	$2,158,000	1,236
Net interest income	$11,834,000	1,107
Provision for loan and lease losses	$435,000	1,732
Total noninterest income	$951,000	2,071
Gross Fiduciary activities income	$40,000	738
Service charges on deposit accounts	$215,000	1,810
Trading account gains and fees	NA	NA
Additional Noninterest Income	$696,000	2,038
Total noninterest expense	$8,354,000	1,256
Salaries and employee benefits	$5,248,000	1,187
Premises and equipment expense	$1,138,000	1,053
Additional noninterest expense	$1,968,000	1,527
Pre-tax net operating income	$3,996,000	1,167
Securities gains (losses)	$4,370,000	71
Applicable income taxes	$8,000	3,409
Income before extraordinary items	$8,358,000	525
Extraordinary gains, net	$0	4
Net income	$8,358,000	522
Minority interest net income	$0	65
Net income of bank and minority interests.	$8,358,000	525
Net charge-offs	$68,000	1,548
Cash dividends	$1,302,000	1,091
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$3,988,000	1,021
2020-03-31 (YTD Data)		Rank
Total interest income	$7,009,000	1,134
Total interest expense	$1,097,000	1,335
Net interest income	$5,912,000	1,089
Provision for loan and lease losses	$180,000	1,515
Total noninterest income	$705,000	1,592
Gross Fiduciary activities income	$18,000	752
Service charges on deposit accounts	$146,000	1,665
Trading account gains and fees	NA	NA
Additional Noninterest Income	$541,000	1,438
Total noninterest expense	$4,246,000	1,251
Salaries and employee benefits	$2,660,000	1,176
Premises and equipment expense	$577,000	1,055
Additional noninterest expense	$1,009,000	1,506
Pre-tax net operating income	$2,191,000	971
Securities gains (losses)	$27,000	1,058
Applicable income taxes	$0	3,513
Income before extraordinary items	$2,218,000	853
Extraordinary gains, net	$0	4
Net income	$2,218,000	853
Minority interest net income	$0	56
Net income of bank and minority interests.	$2,218,000	853
Net charge-offs	$77,000	1,001
Cash dividends	$460,000	1,357
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$2,191,000	849
2019-12-31 (YTD Data)		Rank
Total interest income	$26,829,000	1,189
Total interest expense	$3,956,000	1,485
Net interest income	$22,873,000	1,119
Provision for loan and lease losses	$190,000	2,408
Total noninterest income	$1,499,000	2,291
Gross Fiduciary activities income	$76,000	759
Service charges on deposit accounts	$615,000	1,636
Trading account gains and fees	NA	NA
Additional Noninterest Income	$808,000	2,492
Total noninterest expense	$17,371,000	1,206
Salaries and employee benefits	$10,600,000	1,151
Premises and equipment expense	$2,306,000	1,043
Additional noninterest expense	$4,465,000	1,376
Pre-tax net operating income	$6,811,000	1,391
Securities gains (losses)	$402,000	423
Applicable income taxes	$11,000	3,652
Income before extraordinary items	$7,202,000	1,214
Extraordinary gains, net	$0	11
Net income	$7,202,000	1,214
Minority interest net income	$0	76
Net income of bank and minority interests.	$7,202,000	1,216
Net charge-offs	$-164,000	4,960
Cash dividends	$1,401,000	1,950
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$6,800,000	1,245
2019-09-30 (YTD Data)		Rank
Total interest income	$19,944,000	1,201
Total interest expense	$2,880,000	1,529
Net interest income	$17,064,000	1,132
Provision for loan and lease losses	$434,000	1,299
Total noninterest income	$1,171,000	2,251
Gross Fiduciary activities income	$62,000	752
Service charges on deposit accounts	$456,000	1,665
Trading account gains and fees	NA	NA
Additional Noninterest Income	$653,000	2,396
Total noninterest expense	$13,105,000	1,201
Salaries and employee benefits	$7,952,000	1,151
Premises and equipment expense	$1,738,000	1,046
Additional noninterest expense	$3,415,000	1,352
Pre-tax net operating income	$4,696,000	1,522
Securities gains (losses)	$400,000	354
Applicable income taxes	$10,000	3,684
Income before extraordinary items	$5,086,000	1,299
Extraordinary gains, net	$0	11
Net income	$5,086,000	1,301
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,086,000	1,301
Net charge-offs	$175,000	1,392
Cash dividends	$1,176,000	1,650
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$4,686,000	1,337
2019-06-30 (YTD Data)		Rank
Total interest income	$13,131,000	1,205
Total interest expense	$1,807,000	1,575
Net interest income	$11,324,000	1,136
Provision for loan and lease losses	$264,000	1,344
Total noninterest income	$825,000	2,171
Gross Fiduciary activities income	$46,000	749
Service charges on deposit accounts	$286,000	1,726
Trading account gains and fees	NA	NA
Additional Noninterest Income	$493,000	2,224
Total noninterest expense	$8,692,000	1,213
Salaries and employee benefits	$5,264,000	1,158
Premises and equipment expense	$1,158,000	1,048
Additional noninterest expense	$2,270,000	1,379
Pre-tax net operating income	$3,193,000	1,468
Securities gains (losses)	$292,000	307
Applicable income taxes	$10,000	3,606
Income before extraordinary items	$3,475,000	1,243
Extraordinary gains, net	$0	11
Net income	$3,475,000	1,243
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,475,000	1,243
Net charge-offs	$48,000	1,865
Cash dividends	$807,000	1,631
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$3,183,000	1,305
2019-03-31 (YTD Data)		Rank
Total interest income	$6,410,000	1,217
Total interest expense	$826,000	1,632
Net interest income	$5,584,000	1,151
Provision for loan and lease losses	$106,000	1,418
Total noninterest income	$379,000	2,230
Gross Fiduciary activities income	$24,000	750
Service charges on deposit accounts	$143,000	1,705
Trading account gains and fees	NA	NA
Additional Noninterest Income	$212,000	2,340
Total noninterest expense	$4,308,000	1,211
Salaries and employee benefits	$2,612,000	1,173
Premises and equipment expense	$593,000	1,033
Additional noninterest expense	$1,103,000	1,399
Pre-tax net operating income	$1,549,000	1,482
Securities gains (losses)	$0	1,087
Applicable income taxes	$0	3,800
Income before extraordinary items	$1,549,000	1,323
Extraordinary gains, net	$0	5
Net income	$1,549,000	1,322
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,549,000	1,322
Net charge-offs	$29,000	1,522
Cash dividends	$391,000	1,539
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,549,000	1,301
2018-12-31 (YTD Data)		Rank
Total interest income	$23,985,000	1,230
Total interest expense	$2,002,000	1,934
Net interest income	$21,983,000	1,143
Provision for loan and lease losses	$380,000	1,705
Total noninterest income	$1,435,000	2,391
Gross Fiduciary activities income	$75,000	788
Service charges on deposit accounts	$563,000	1,825
Trading account gains and fees	NA	NA
Additional Noninterest Income	$797,000	2,503
Total noninterest expense	$17,243,000	1,192
Salaries and employee benefits	$10,364,000	1,137
Premises and equipment expense	$2,313,000	1,046
Additional noninterest expense	$4,566,000	1,346
Pre-tax net operating income	$5,795,000	1,565
Securities gains (losses)	$-3,000	4,159
Applicable income taxes	$10,000	3,744
Income before extraordinary items	$5,782,000	1,394
Extraordinary gains, net	$0	6
Net income	$5,782,000	1,393
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,782,000	1,393
Net charge-offs	$22,000	3,061
Cash dividends	$1,310,000	1,897
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$5,785,000	1,384
2018-09-30 (YTD Data)		Rank
Total interest income	$17,346,000	1,259
Total interest expense	$1,334,000	2,022
Net interest income	$16,012,000	1,169
Provision for loan and lease losses	$190,000	2,035
Total noninterest income	$1,032,000	2,463
Gross Fiduciary activities income	$60,000	782
Service charges on deposit accounts	$415,000	1,855
Trading account gains and fees	NA	NA
Additional Noninterest Income	$557,000	2,620
Total noninterest expense	$12,754,000	1,208
Salaries and employee benefits	$7,647,000	1,155
Premises and equipment expense	$1,744,000	1,036
Additional noninterest expense	$3,363,000	1,367
Pre-tax net operating income	$4,100,000	1,661
Securities gains (losses)	$-3,000	4,544
Applicable income taxes	$10,000	3,776
Income before extraordinary items	$4,087,000	1,478
Extraordinary gains, net	$0	5
Net income	$4,087,000	1,477
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,087,000	1,477
Net charge-offs	$18,000	2,750
Cash dividends	$940,000	1,732
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$4,090,000	1,464
2018-06-30 (YTD Data)		Rank
Total interest income	$11,296,000	1,276
Total interest expense	$812,000	2,063
Net interest income	$10,484,000	1,181
Provision for loan and lease losses	$135,000	1,917
Total noninterest income	$681,000	2,478
Gross Fiduciary activities income	$43,000	782
Service charges on deposit accounts	$277,000	1,858
Trading account gains and fees	NA	NA
Additional Noninterest Income	$361,000	2,659
Total noninterest expense	$8,494,000	1,213
Salaries and employee benefits	$5,137,000	1,159
Premises and equipment expense	$1,164,000	1,035
Additional noninterest expense	$2,193,000	1,396
Pre-tax net operating income	$2,536,000	1,744
Securities gains (losses)	$5,000	702
Applicable income taxes	$10,000	3,693
Income before extraordinary items	$2,531,000	1,562
Extraordinary gains, net	$0	6
Net income	$2,531,000	1,560
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,531,000	1,561
Net charge-offs	$-17,000	4,696
Cash dividends	$625,000	1,733
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,526,000	1,545
2018-03-31 (YTD Data)		Rank
Total interest income	$5,472,000	1,297
Total interest expense	$378,000	2,095
Net interest income	$5,094,000	1,206
Provision for loan and lease losses	$135,000	1,241
Total noninterest income	$271,000	2,749
Gross Fiduciary activities income	$19,000	795
Service charges on deposit accounts	$145,000	1,792
Trading account gains and fees	NA	NA
Additional Noninterest Income	$107,000	3,247
Total noninterest expense	$4,231,000	1,218
Salaries and employee benefits	$2,585,000	1,157
Premises and equipment expense	$593,000	1,026
Additional noninterest expense	$1,053,000	1,436
Pre-tax net operating income	$999,000	2,044
Securities gains (losses)	$0	735
Applicable income taxes	$0	3,948
Income before extraordinary items	$999,000	1,848
Extraordinary gains, net	$0	7
Net income	$999,000	1,847
Minority interest net income	$0	52
Net income of bank and minority interests.	$999,000	1,848
Net charge-offs	$-2,000	4,048
Cash dividends	$275,000	1,677
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$999,000	1,839
2017-12-31 (YTD Data)		Rank
Total interest income	$21,013,000	1,298
Total interest expense	$1,085,000	2,417
Net interest income	$19,928,000	1,219
Provision for loan and lease losses	$178,000	2,514
Total noninterest income	$1,513,000	2,392
Gross Fiduciary activities income	$76,000	811
Service charges on deposit accounts	$727,000	1,522
Trading account gains and fees	NA	NA
Additional Noninterest Income	$710,000	2,700
Total noninterest expense	$16,306,000	1,229
Salaries and employee benefits	$9,864,000	1,178
Premises and equipment expense	$2,243,000	1,057
Additional noninterest expense	$4,199,000	1,454
Pre-tax net operating income	$4,957,000	1,728
Securities gains (losses)	$52,000	878
Applicable income taxes	$4,000	3,980
Income before extraordinary items	$5,005,000	1,340
Extraordinary gains, net	$0	9
Net income	$5,005,000	1,340
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,005,000	1,340
Net charge-offs	$160,000	2,017
Cash dividends	$1,175,000	2,015
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$4,953,000	1,341
2017-09-30 (YTD Data)		Rank
Total interest income	$15,587,000	1,307
Total interest expense	$735,000	2,567
Net interest income	$14,852,000	1,227
Provision for loan and lease losses	$50,000	3,230
Total noninterest income	$1,210,000	2,328
Gross Fiduciary activities income	$57,000	809
Service charges on deposit accounts	$574,000	1,478
Trading account gains and fees	NA	NA
Additional Noninterest Income	$579,000	2,632
Total noninterest expense	$12,126,000	1,249
Salaries and employee benefits	$7,382,000	1,179
Premises and equipment expense	$1,656,000	1,079
Additional noninterest expense	$3,088,000	1,477
Pre-tax net operating income	$3,886,000	1,688
Securities gains (losses)	$52,000	857
Applicable income taxes	$4,000	3,992
Income before extraordinary items	$3,934,000	1,395
Extraordinary gains, net	$0	9
Net income	$3,934,000	1,394
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,934,000	1,395
Net charge-offs	$-30,000	5,040
Cash dividends	$850,000	1,871
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,882,000	1,386
2017-06-30 (YTD Data)		Rank
Total interest income	$10,236,000	1,321
Total interest expense	$435,000	2,714
Net interest income	$9,801,000	1,230
Provision for loan and lease losses	$50,000	2,834
Total noninterest income	$791,000	2,369
Gross Fiduciary activities income	$40,000	812
Service charges on deposit accounts	$389,000	1,445
Trading account gains and fees	NA	NA
Additional Noninterest Income	$362,000	2,713
Total noninterest expense	$7,992,000	1,262
Salaries and employee benefits	$4,874,000	1,195
Premises and equipment expense	$1,091,000	1,091
Additional noninterest expense	$2,027,000	1,493
Pre-tax net operating income	$2,550,000	1,675
Securities gains (losses)	$18,000	1,032
Applicable income taxes	$3,000	4,027
Income before extraordinary items	$2,565,000	1,403
Extraordinary gains, net	$0	11
Net income	$2,565,000	1,403
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,565,000	1,404
Net charge-offs	$-49,000	5,279
Cash dividends	$575,000	1,852
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,547,000	1,393
2017-03-31 (YTD Data)		Rank
Total interest income	$5,000,000	1,332
Total interest expense	$193,000	2,921
Net interest income	$4,807,000	1,250
Provision for loan and lease losses	$0	3,537
Total noninterest income	$419,000	2,269
Gross Fiduciary activities income	$19,000	819
Service charges on deposit accounts	$193,000	1,454
Trading account gains and fees	NA	NA
Additional Noninterest Income	$207,000	2,533
Total noninterest expense	$3,993,000	1,279
Salaries and employee benefits	$2,438,000	1,198
Premises and equipment expense	$553,000	1,081
Additional noninterest expense	$1,002,000	1,507
Pre-tax net operating income	$1,233,000	1,689
Securities gains (losses)	$0	1,153
Applicable income taxes	$3,000	3,875
Income before extraordinary items	$1,230,000	1,438
Extraordinary gains, net	$0	8
Net income	$1,230,000	1,438
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,230,000	1,438
Net charge-offs	$-51,000	5,477
Cash dividends	$275,000	1,723
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,230,000	1,419
2016-12-31 (YTD Data)		Rank
Total interest income	$19,092,000	1,345
Total interest expense	$647,000	3,184
Net interest income	$18,445,000	1,256
Provision for loan and lease losses	$225,000	2,297
Total noninterest income	$1,588,000	2,409
Gross Fiduciary activities income	$75,000	830
Service charges on deposit accounts	$686,000	1,641
Trading account gains and fees	$0	170
Additional Noninterest Income	$827,000	2,624
Total noninterest expense	$16,104,000	1,245
Salaries and employee benefits	$9,439,000	1,205
Premises and equipment expense	$2,273,000	1,041
Additional noninterest expense	$4,392,000	1,404
Pre-tax net operating income	$3,704,000	2,043
Securities gains (losses)	$0	3,212
Applicable income taxes	$1,000	4,208
Income before extraordinary items	$3,703,000	1,758
Extraordinary gains, net	$0	5
Net income	$3,703,000	1,757
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,703,000	1,757
Net charge-offs	$141,000	2,284
Cash dividends	$433,000	3,128
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,703,000	1,718
2016-09-30 (YTD Data)		Rank
Total interest income	$14,197,000	1,357
Total interest expense	$486,000	3,184
Net interest income	$13,711,000	1,274
Provision for loan and lease losses	$175,000	2,207
Total noninterest income	$1,265,000	2,331
Gross Fiduciary activities income	$60,000	832
Service charges on deposit accounts	$499,000	1,687
Trading account gains and fees	$0	169
Additional Noninterest Income	$706,000	2,474
Total noninterest expense	$12,042,000	1,251
Salaries and employee benefits	$6,976,000	1,223
Premises and equipment expense	$1,708,000	1,037
Additional noninterest expense	$3,358,000	1,385
Pre-tax net operating income	$2,759,000	2,084
Securities gains (losses)	$0	3,160
Applicable income taxes	$1,000	4,258
Income before extraordinary items	$2,758,000	1,801
Extraordinary gains, net	$0	5
Net income	$2,758,000	1,801
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,758,000	1,801
Net charge-offs	$109,000	1,996
Cash dividends	$142,000	3,347
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,758,000	1,748
2016-06-30 (YTD Data)		Rank
Total interest income	$9,190,000	1,381
Total interest expense	$319,000	3,221
Net interest income	$8,871,000	1,316
Provision for loan and lease losses	$0	4,017
Total noninterest income	$894,000	2,239
Gross Fiduciary activities income	$41,000	836
Service charges on deposit accounts	$320,000	1,719
Trading account gains and fees	$0	157
Additional Noninterest Income	$533,000	2,292
Total noninterest expense	$8,156,000	1,239
Salaries and employee benefits	$4,745,000	1,203
Premises and equipment expense	$1,206,000	995
Additional noninterest expense	$2,205,000	1,407
Pre-tax net operating income	$1,609,000	2,282
Securities gains (losses)	$0	2,835
Applicable income taxes	$1,000	4,252
Income before extraordinary items	$1,608,000	1,991
Extraordinary gains, net	$0	16
Net income	$1,608,000	1,991
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,608,000	1,991
Net charge-offs	$33,000	2,453
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,608,000	1,925
2016-03-31 (YTD Data)		Rank
Total interest income	$4,506,000	1,407
Total interest expense	$157,000	3,266
Net interest income	$4,349,000	1,332
Provision for loan and lease losses	$0	3,656
Total noninterest income	$429,000	2,272
Gross Fiduciary activities income	$21,000	833
Service charges on deposit accounts	$160,000	1,709
Trading account gains and fees	$0	142
Additional Noninterest Income	$248,000	2,348
Total noninterest expense	$4,064,000	1,250
Salaries and employee benefits	$2,381,000	1,213
Premises and equipment expense	$604,000	1,006
Additional noninterest expense	$1,079,000	1,424
Pre-tax net operating income	$714,000	2,458
Securities gains (losses)	$0	2,077
Applicable income taxes	$-1,000	5,908
Income before extraordinary items	$715,000	2,172
Extraordinary gains, net	$0	12
Net income	$715,000	2,172
Minority interest net income	$0	62
Net income of bank and minority interests.	$715,000	2,172
Net charge-offs	$55,000	1,369
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$715,000	2,108
2015-12-31 (YTD Data)		Rank
Total interest income	$17,098,000	1,448
Total interest expense	$601,000	3,387
Net interest income	$16,497,000	1,351
Provision for loan and lease losses	$475,000	1,414
Total noninterest income	$1,635,000	2,377
Gross Fiduciary activities income	$81,000	846
Service charges on deposit accounts	$712,000	1,628
Trading account gains and fees	$0	159
Additional Noninterest Income	$842,000	2,589
Total noninterest expense	$16,807,000	1,192
Salaries and employee benefits	$9,269,000	1,206
Premises and equipment expense	$2,610,000	927
Additional noninterest expense	$4,928,000	1,285
Pre-tax net operating income	$850,000	4,320
Securities gains (losses)	$400,000	432
Applicable income taxes	$2,000	4,277
Income before extraordinary items	$1,248,000	3,560
Extraordinary gains, net	$0	23
Net income	$1,248,000	3,558
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,248,000	3,560
Net charge-offs	$510,000	1,144
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$848,000	4,112
2015-09-30 (YTD Data)		Rank
Total interest income	$12,736,000	1,464
Total interest expense	$441,000	3,476
Net interest income	$12,295,000	1,375
Provision for loan and lease losses	$245,000	1,728
Total noninterest income	$1,278,000	2,335
Gross Fiduciary activities income	$66,000	845
Service charges on deposit accounts	$541,000	1,616
Trading account gains and fees	$0	153
Additional Noninterest Income	$671,000	2,528
Total noninterest expense	$12,586,000	1,202
Salaries and employee benefits	$6,937,000	1,215
Premises and equipment expense	$1,972,000	933
Additional noninterest expense	$3,677,000	1,293
Pre-tax net operating income	$742,000	4,197
Securities gains (losses)	$400,000	375
Applicable income taxes	$2,000	4,356
Income before extraordinary items	$1,140,000	3,276
Extraordinary gains, net	$0	21
Net income	$1,140,000	3,274
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,140,000	3,275
Net charge-offs	$453,000	926
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$740,000	3,960
2015-06-30 (YTD Data)		Rank
Total interest income	$8,320,000	1,498
Total interest expense	$280,000	3,600
Net interest income	$8,040,000	1,399
Provision for loan and lease losses	$245,000	1,315
Total noninterest income	$806,000	2,412
Gross Fiduciary activities income	$44,000	855
Service charges on deposit accounts	$357,000	1,609
Trading account gains and fees	$0	157
Additional Noninterest Income	$405,000	2,660
Total noninterest expense	$8,295,000	1,217
Salaries and employee benefits	$4,601,000	1,218
Premises and equipment expense	$1,308,000	948
Additional noninterest expense	$2,386,000	1,320
Pre-tax net operating income	$306,000	4,832
Securities gains (losses)	$400,000	306
Applicable income taxes	$3,000	4,308
Income before extraordinary items	$703,000	3,406
Extraordinary gains, net	$0	22
Net income	$703,000	3,406
Minority interest net income	$0	75
Net income of bank and minority interests.	$703,000	3,407
Net charge-offs	$135,000	1,459
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$303,000	4,616
2015-03-31 (YTD Data)		Rank
Total interest income	$4,108,000	1,516
Total interest expense	$129,000	3,772
Net interest income	$3,979,000	1,413
Provision for loan and lease losses	$70,000	1,797
Total noninterest income	$188,000	3,522
Gross Fiduciary activities income	$21,000	868
Service charges on deposit accounts	$173,000	1,642
Trading account gains and fees	$0	152
Additional Noninterest Income	$-6,000	6,307
Total noninterest expense	$4,202,000	1,214
Salaries and employee benefits	$2,319,000	1,208
Premises and equipment expense	$657,000	947
Additional noninterest expense	$1,226,000	1,286
Pre-tax net operating income	$-105,000	6,225
Securities gains (losses)	$400,000	201
Applicable income taxes	$0	4,400
Income before extraordinary items	$295,000	3,691
Extraordinary gains, net	$0	13
Net income	$295,000	3,693
Minority interest net income	$0	64
Net income of bank and minority interests.	$295,000	3,694
Net charge-offs	$163,000	831
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$-105,000	6,228
2014-12-31 (YTD Data)		Rank
Total interest income	$16,584,000	1,502
Total interest expense	$504,000	3,994
Net interest income	$16,080,000	1,388
Provision for loan and lease losses	$202,000	2,460
Total noninterest income	$1,845,000	2,232
Gross Fiduciary activities income	$74,000	887
Service charges on deposit accounts	$760,000	1,640
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,011,000	2,317
Total noninterest expense	$17,271,000	1,163
Salaries and employee benefits	$9,017,000	1,196
Premises and equipment expense	$2,606,000	937
Additional noninterest expense	$5,648,000	1,161
Pre-tax net operating income	$452,000	5,142
Securities gains (losses)	$87,000	1,360
Applicable income taxes	$2,000	4,394
Income before extraordinary items	$537,000	4,835
Extraordinary gains, net	$0	17
Net income	$537,000	4,834
Minority interest net income	$0	84
Net income of bank and minority interests.	$537,000	4,835
Net charge-offs	$453,000	1,570
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$450,000	4,998
2014-09-30 (YTD Data)		Rank
Total interest income	$12,402,000	1,518
Total interest expense	$382,000	4,040
Net interest income	$12,020,000	1,397
Provision for loan and lease losses	$157,000	2,336
Total noninterest income	$1,714,000	1,941
Gross Fiduciary activities income	$59,000	881
Service charges on deposit accounts	$577,000	1,641
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,078,000	1,843
Total noninterest expense	$12,955,000	1,170
Salaries and employee benefits	$6,639,000	1,218
Premises and equipment expense	$1,957,000	933
Additional noninterest expense	$4,359,000	1,134
Pre-tax net operating income	$622,000	4,520
Securities gains (losses)	$87,000	1,088
Applicable income taxes	$2,000	4,434
Income before extraordinary items	$707,000	4,116
Extraordinary gains, net	$0	15
Net income	$707,000	4,117
Minority interest net income	$0	81
Net income of bank and minority interests.	$707,000	4,117
Net charge-offs	$353,000	1,458
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$620,000	4,258
2014-06-30 (YTD Data)		Rank
Total interest income	$8,230,000	1,518
Total interest expense	$259,000	4,057
Net interest income	$7,971,000	1,392
Provision for loan and lease losses	$122,000	2,121
Total noninterest income	$1,025,000	2,059
Gross Fiduciary activities income	$41,000	886
Service charges on deposit accounts	$382,000	1,628
Trading account gains and fees	$0	172
Additional Noninterest Income	$602,000	2,055
Total noninterest expense	$8,635,000	1,170
Salaries and employee benefits	$4,416,000	1,220
Premises and equipment expense	$1,302,000	947
Additional noninterest expense	$2,917,000	1,115
Pre-tax net operating income	$239,000	5,153
Securities gains (losses)	$72,000	964
Applicable income taxes	$2,000	4,388
Income before extraordinary items	$309,000	4,688
Extraordinary gains, net	$0	20
Net income	$309,000	4,690
Minority interest net income	$0	80
Net income of bank and minority interests.	$309,000	4,691
Net charge-offs	$343,000	1,156
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$237,720	4,985
2014-03-31 (YTD Data)		Rank
Total interest income	$3,992,000	1,549
Total interest expense	$130,000	4,088
Net interest income	$3,862,000	1,428
Provision for loan and lease losses	$32,000	2,552
Total noninterest income	$519,000	1,978
Gross Fiduciary activities income	$19,000	897
Service charges on deposit accounts	$197,000	1,569
Trading account gains and fees	$0	147
Additional Noninterest Income	$303,000	1,989
Total noninterest expense	$4,357,000	1,170
Salaries and employee benefits	$2,185,000	1,253
Premises and equipment expense	$685,000	919
Additional noninterest expense	$1,487,000	1,081
Pre-tax net operating income	$-8,000	6,244
Securities gains (losses)	$72,000	532
Applicable income taxes	$0	4,445
Income before extraordinary items	$64,000	5,562
Extraordinary gains, net	$0	16
Net income	$64,000	5,562
Minority interest net income	$0	66
Net income of bank and minority interests.	$64,000	5,562
Net charge-offs	$-13,000	5,862
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$-8,000	6,248
2013-12-31 (YTD Data)		Rank
Total interest income	$16,237,000	1,541
Total interest expense	$829,000	3,361
Net interest income	$15,408,000	1,399
Provision for loan and lease losses	$424,000	2,042
Total noninterest income	$3,030,000	1,600
Gross Fiduciary activities income	$79,000	894
Service charges on deposit accounts	$868,000	1,533
Trading account gains and fees	$0	184
Additional Noninterest Income	$2,083,000	1,471
Total noninterest expense	$17,857,000	1,148
Salaries and employee benefits	$8,498,000	1,254
Premises and equipment expense	$2,753,000	876
Additional noninterest expense	$6,606,000	1,025
Pre-tax net operating income	$157,000	5,818
Securities gains (losses)	$0	3,182
Applicable income taxes	$4,000	4,440
Income before extraordinary items	$153,000	5,845
Extraordinary gains, net	$0	29
Net income	$153,000	5,848
Minority interest net income	$0	90
Net income of bank and minority interests.	$153,000	5,848
Net charge-offs	$1,958,000	757
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$153,000	5,790
2013-09-30 (YTD Data)		Rank
Total interest income	$12,141,000	1,557
Total interest expense	$662,000	3,310
Net interest income	$11,479,000	1,410
Provision for loan and lease losses	$384,000	1,825
Total noninterest income	$2,346,000	1,596
Gross Fiduciary activities income	$64,000	885
Service charges on deposit accounts	$640,000	1,562
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,642,000	1,453
Total noninterest expense	$13,562,000	1,127
Salaries and employee benefits	$6,355,000	1,267
Premises and equipment expense	$2,082,000	875
Additional noninterest expense	$5,125,000	988
Pre-tax net operating income	$-121,000	6,431
Securities gains (losses)	$0	3,040
Applicable income taxes	$4,000	4,492
Income before extraordinary items	$-125,000	6,477
Extraordinary gains, net	$0	25
Net income	$-125,000	6,479
Minority interest net income	$0	84
Net income of bank and minority interests.	$-125,000	6,479
Net charge-offs	$1,816,000	642
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-125,000	6,448
2013-06-30 (YTD Data)		Rank
Total interest income	$8,044,000	1,560
Total interest expense	$466,000	3,236
Net interest income	$7,578,000	1,413
Provision for loan and lease losses	$384,000	1,420
Total noninterest income	$1,348,000	1,791
Gross Fiduciary activities income	$44,000	891
Service charges on deposit accounts	$418,000	1,568
Trading account gains and fees	$0	157
Additional Noninterest Income	$886,000	1,733
Total noninterest expense	$9,133,000	1,116
Salaries and employee benefits	$4,196,000	1,272
Premises and equipment expense	$1,398,000	875
Additional noninterest expense	$3,539,000	950
Pre-tax net operating income	$-591,000	6,718
Securities gains (losses)	$0	2,791
Applicable income taxes	$4,000	4,412
Income before extraordinary items	$-595,000	6,748
Extraordinary gains, net	$0	22
Net income	$-595,000	6,750
Minority interest net income	$0	82
Net income of bank and minority interests.	$-595,000	6,749
Net charge-offs	$1,644,000	535
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$-595,000	6,729
2013-03-31 (YTD Data)		Rank
Total interest income	$4,089,000	1,546
Total interest expense	$243,000	3,231
Net interest income	$3,846,000	1,395
Provision for loan and lease losses	$94,000	2,144
Total noninterest income	$935,000	1,412
Gross Fiduciary activities income	$21,000	901
Service charges on deposit accounts	$210,000	1,558
Trading account gains and fees	$0	148
Additional Noninterest Income	$704,000	1,247
Total noninterest expense	$4,675,000	1,106
Salaries and employee benefits	$2,094,000	1,287
Premises and equipment expense	$710,000	878
Additional noninterest expense	$1,871,000	909
Pre-tax net operating income	$12,000	6,232
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$12,000	6,299
Extraordinary gains, net	$0	10
Net income	$12,000	6,300
Minority interest net income	$0	76
Net income of bank and minority interests.	$12,000	6,300
Net charge-offs	$253,000	1,189
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$12,000	6,222
2012-12-31 (YTD Data)		Rank
Total interest income	$17,878,000	1,484
Total interest expense	$1,386,000	2,891
Net interest income	$16,492,000	1,325
Provision for loan and lease losses	$887,000	1,916
Total noninterest income	$3,212,000	1,564
Gross Fiduciary activities income	$83,000	910
Service charges on deposit accounts	$923,000	1,514
Trading account gains and fees	$0	166
Additional Noninterest Income	$2,206,000	1,439
Total noninterest expense	$20,628,000	971
Salaries and employee benefits	$8,596,000	1,226
Premises and equipment expense	$2,729,000	881
Additional noninterest expense	$9,303,000	754
Pre-tax net operating income	$-1,811,000	6,786
Securities gains (losses)	$0	3,810
Applicable income taxes	$52,000	3,884
Income before extraordinary items	$-1,863,000	6,821
Extraordinary gains, net	$0	29
Net income	$-1,863,000	6,818
Minority interest net income	$0	93
Net income of bank and minority interests.	$-1,863,000	6,819
Net charge-offs	$2,647,000	930
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$-1,863,000	6,799
2012-09-30 (YTD Data)		Rank
Total interest income	$13,385,000	1,509
Total interest expense	$1,100,000	2,862
Net interest income	$12,285,000	1,345
Provision for loan and lease losses	$190,000	3,578
Total noninterest income	$1,905,000	1,850
Gross Fiduciary activities income	$66,000	893
Service charges on deposit accounts	$695,000	1,518
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,144,000	1,825
Total noninterest expense	$15,667,000	959
Salaries and employee benefits	$6,459,000	1,218
Premises and equipment expense	$2,024,000	901
Additional noninterest expense	$7,184,000	735
Pre-tax net operating income	$-1,667,000	6,945
Securities gains (losses)	$0	3,575
Applicable income taxes	$2,000	4,631
Income before extraordinary items	$-1,669,000	6,971
Extraordinary gains, net	$0	20
Net income	$-1,669,000	6,968
Minority interest net income	$0	86
Net income of bank and minority interests.	$-1,669,000	6,970
Net charge-offs	$2,080,000	904
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$-1,669,000	6,953
2012-06-30 (YTD Data)		Rank
Total interest income	$9,032,000	1,507
Total interest expense	$781,000	2,827
Net interest income	$8,251,000	1,342
Provision for loan and lease losses	$40,000	4,724
Total noninterest income	$1,615,000	1,542
Gross Fiduciary activities income	$50,000	892
Service charges on deposit accounts	$457,000	1,529
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,108,000	1,418
Total noninterest expense	$10,819,000	933
Salaries and employee benefits	$4,326,000	1,211
Premises and equipment expense	$1,335,000	911
Additional noninterest expense	$5,158,000	672
Pre-tax net operating income	$-993,000	6,967
Securities gains (losses)	$0	3,178
Applicable income taxes	$2,000	4,564
Income before extraordinary items	$-995,000	6,998
Extraordinary gains, net	$0	19
Net income	$-995,000	6,997
Minority interest net income	$0	84
Net income of bank and minority interests.	$-995,000	6,998
Net charge-offs	$215,000	2,670
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$-995,000	6,978
2012-03-31 (YTD Data)		Rank
Total interest income	$4,415,000	1,561
Total interest expense	$439,000	2,661
Net interest income	$3,976,000	1,397
Provision for loan and lease losses	$0	5,254
Total noninterest income	$795,000	1,534
Gross Fiduciary activities income	$25,000	893
Service charges on deposit accounts	$221,000	1,562
Trading account gains and fees	$0	148
Additional Noninterest Income	$549,000	1,413
Total noninterest expense	$5,672,000	876
Salaries and employee benefits	$2,205,000	1,184
Premises and equipment expense	$676,000	898
Additional noninterest expense	$2,791,000	629
Pre-tax net operating income	$-901,000	7,148
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$-901,000	7,161
Extraordinary gains, net	$0	19
Net income	$-901,000	7,160
Minority interest net income	$0	78
Net income of bank and minority interests.	$-901,000	7,161
Net charge-offs	$165,000	2,003
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$-901,000	7,150
2011-12-31 (YTD Data)		Rank
Total interest income	$20,528,000	1,390
Total interest expense	$2,867,000	2,041
Net interest income	$17,661,000	1,255
Provision for loan and lease losses	$5,607,000	713
Total noninterest income	$7,853,000	742
Gross Fiduciary activities income	$72,000	879
Service charges on deposit accounts	$1,016,000	1,463
Trading account gains and fees	$0	146
Additional Noninterest Income	$6,765,000	560
Total noninterest expense	$21,242,000	927
Salaries and employee benefits	$8,777,000	1,127
Premises and equipment expense	$2,561,000	973
Additional noninterest expense	$9,904,000	727
Pre-tax net operating income	$-1,335,000	6,672
Securities gains (losses)	$0	3,838
Applicable income taxes	$3,000	4,538
Income before extraordinary items	$-1,338,000	6,729
Extraordinary gains, net	$0	29
Net income	$-1,338,000	6,729
Minority interest net income	$0	96
Net income of bank and minority interests.	$-1,338,000	6,729
Net charge-offs	$5,759,000	717
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-1,338,000	6,694
2011-09-30 (YTD Data)		Rank
Total interest income	$15,512,000	1,402
Total interest expense	$2,374,000	1,939
Net interest income	$13,138,000	1,272
Provision for loan and lease losses	$4,757,000	647
Total noninterest income	$9,157,000	536
Gross Fiduciary activities income	$55,000	871
Service charges on deposit accounts	$766,000	1,460
Trading account gains and fees	$0	145
Additional Noninterest Income	$8,336,000	402
Total noninterest expense	$15,425,000	959
Salaries and employee benefits	$6,659,000	1,117
Premises and equipment expense	$1,916,000	990
Additional noninterest expense	$6,850,000	770
Pre-tax net operating income	$2,113,000	1,996
Securities gains (losses)	$0	3,555
Applicable income taxes	$3,000	4,520
Income before extraordinary items	$2,110,000	1,760
Extraordinary gains, net	$0	21
Net income	$2,110,000	1,760
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,110,000	1,760
Net charge-offs	$2,092,000	1,184
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,110,000	1,679
2011-06-30 (YTD Data)		Rank
Total interest income	$10,512,000	1,394
Total interest expense	$1,817,000	1,763
Net interest income	$8,695,000	1,282
Provision for loan and lease losses	$3,700,000	570
Total noninterest income	$9,205,000	401
Gross Fiduciary activities income	$39,000	878
Service charges on deposit accounts	$497,000	1,469
Trading account gains and fees	$0	153
Additional Noninterest Income	$8,669,000	299
Total noninterest expense	$10,488,000	959
Salaries and employee benefits	$4,363,000	1,145
Premises and equipment expense	$1,273,000	1,002
Additional noninterest expense	$4,852,000	741
Pre-tax net operating income	$3,712,000	818
Securities gains (losses)	$0	2,914
Applicable income taxes	$3,000	4,420
Income before extraordinary items	$3,709,000	702
Extraordinary gains, net	$0	15
Net income	$3,709,000	701
Minority interest net income	$0	89
Net income of bank and minority interests.	$3,709,000	702
Net charge-offs	$855,000	1,606
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$3,709,000	671
2011-03-31 (YTD Data)		Rank
Total interest income	$5,308,000	1,383
Total interest expense	$980,000	1,721
Net interest income	$4,328,000	1,293
Provision for loan and lease losses	$450,000	1,516
Total noninterest income	$10,960,000	218
Gross Fiduciary activities income	$19,000	886
Service charges on deposit accounts	$242,000	1,477
Trading account gains and fees	$0	158
Additional Noninterest Income	$10,699,000	166
Total noninterest expense	$5,605,000	891
Salaries and employee benefits	$2,222,000	1,144
Premises and equipment expense	$659,000	997
Additional noninterest expense	$2,724,000	663
Pre-tax net operating income	$9,233,000	227
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$9,233,000	186
Extraordinary gains, net	$0	9
Net income	$9,233,000	184
Minority interest net income	$0	86
Net income of bank and minority interests.	$9,233,000	186
Net charge-offs	$709,000	1,079
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$9,233,000	184
2010-12-31 (YTD Data)		Rank
Total interest income	$25,459,000	1,214
Total interest expense	$6,447,000	1,290
Net interest income	$19,012,000	1,177
Provision for loan and lease losses	$3,283,000	1,528
Total noninterest income	$-3,824,000	7,630
Gross Fiduciary activities income	$75,000	910
Service charges on deposit accounts	$1,206,000	1,239
Trading account gains and fees	$0	175
Additional Noninterest Income	$-5,105,000	7,632
Total noninterest expense	$20,460,000	976
Salaries and employee benefits	$8,584,000	1,141
Premises and equipment expense	$2,631,000	977
Additional noninterest expense	$9,245,000	804
Pre-tax net operating income	$-8,555,000	7,315
Securities gains (losses)	$30,000	2,937
Applicable income taxes	$7,000	4,295
Income before extraordinary items	$-8,532,000	7,342
Extraordinary gains, net	$0	29
Net income	$-8,532,000	7,342
Minority interest net income	$0	111
Net income of bank and minority interests.	$-8,532,000	7,342
Net charge-offs	$3,219,000	1,411
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-8,562,000	7,328
2010-09-30 (YTD Data)		Rank
Total interest income	$19,536,000	1,210
Total interest expense	$5,217,000	1,225
Net interest income	$14,319,000	1,190
Provision for loan and lease losses	$1,902,000	1,716
Total noninterest income	$2,542,000	1,410
Gross Fiduciary activities income	$59,000	897
Service charges on deposit accounts	$935,000	1,235
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,548,000	1,312
Total noninterest expense	$15,179,000	972
Salaries and employee benefits	$6,481,000	1,132
Premises and equipment expense	$1,982,000	981
Additional noninterest expense	$6,716,000	813
Pre-tax net operating income	$-220,000	6,311
Securities gains (losses)	$30,000	2,726
Applicable income taxes	$4,000	4,431
Income before extraordinary items	$-194,000	6,432
Extraordinary gains, net	$0	23
Net income	$-194,000	6,433
Minority interest net income	$0	110
Net income of bank and minority interests.	$-194,000	6,432
Net charge-offs	$2,353,000	1,363
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-224,000	6,376
2010-06-30 (YTD Data)		Rank
Total interest income	$13,299,000	1,197
Total interest expense	$3,826,000	1,171
Net interest income	$9,473,000	1,200
Provision for loan and lease losses	$1,630,000	1,445
Total noninterest income	$1,645,000	1,419
Gross Fiduciary activities income	$40,000	905
Service charges on deposit accounts	$632,000	1,239
Trading account gains and fees	$0	152
Additional Noninterest Income	$973,000	1,321
Total noninterest expense	$9,988,000	988
Salaries and employee benefits	$4,371,000	1,129
Premises and equipment expense	$1,344,000	979
Additional noninterest expense	$4,273,000	839
Pre-tax net operating income	$-500,000	6,743
Securities gains (losses)	$24,000	2,293
Applicable income taxes	$4,000	4,358
Income before extraordinary items	$-480,000	6,846
Extraordinary gains, net	$0	19
Net income	$-480,000	6,848
Minority interest net income	$0	105
Net income of bank and minority interests.	$-480,000	6,847
Net charge-offs	$1,974,000	1,130
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-504,000	6,821
2010-03-31 (YTD Data)		Rank
Total interest income	$6,724,000	1,208
Total interest expense	$2,225,000	1,054
Net interest income	$4,499,000	1,281
Provision for loan and lease losses	$1,164,000	1,062
Total noninterest income	$524,000	1,969
Gross Fiduciary activities income	$20,000	911
Service charges on deposit accounts	$306,000	1,284
Trading account gains and fees	$0	175
Additional Noninterest Income	$198,000	2,418
Total noninterest expense	$4,729,000	1,051
Salaries and employee benefits	$2,209,000	1,127
Premises and equipment expense	$681,000	991
Additional noninterest expense	$1,839,000	963
Pre-tax net operating income	$-870,000	7,372
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-870,000	7,434
Extraordinary gains, net	$0	16
Net income	$-870,000	7,434
Minority interest net income	$0	91
Net income of bank and minority interests.	$-870,000	7,435
Net charge-offs	$225,000	2,308
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-870,000	7,419
2009-12-31 (YTD Data)		Rank
Total interest income	$29,732,000	1,153
Total interest expense	$11,264,000	1,046
Net interest income	$18,468,000	1,208
Provision for loan and lease losses	$19,636,000	505
Total noninterest income	$2,321,000	1,919
Gross Fiduciary activities income	$69,000	917
Service charges on deposit accounts	$1,494,000	1,155
Trading account gains and fees	$0	211
Additional Noninterest Income	$758,000	2,545
Total noninterest expense	$18,756,000	1,110
Salaries and employee benefits	$8,300,000	1,182
Premises and equipment expense	$2,763,000	981
Additional noninterest expense	$7,693,000	1,018
Pre-tax net operating income	$-17,603,000	7,675
Securities gains (losses)	$30,000	2,871
Applicable income taxes	$-59,000	6,474
Income before extraordinary items	$-17,514,000	7,706
Extraordinary gains, net	$0	34
Net income	$-17,514,000	7,705
Minority interest net income	$0	115
Net income of bank and minority interests.	$-17,514,000	7,705
Net charge-offs	$19,455,000	421
Cash dividends	$1,323,000	1,320
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-17,544,000	7,707
2009-09-30 (YTD Data)		Rank
Total interest income	$22,682,000	1,153
Total interest expense	$8,577,000	1,089
Net interest income	$14,105,000	1,180
Provision for loan and lease losses	$11,294,000	566
Total noninterest income	$1,749,000	1,946
Gross Fiduciary activities income	$55,000	898
Service charges on deposit accounts	$1,132,000	1,144
Trading account gains and fees	$0	212
Additional Noninterest Income	$562,000	2,621
Total noninterest expense	$13,215,000	1,160
Salaries and employee benefits	$6,320,000	1,171
Premises and equipment expense	$2,093,000	977
Additional noninterest expense	$4,802,000	1,171
Pre-tax net operating income	$-8,655,000	7,697
Securities gains (losses)	$10,000	2,967
Applicable income taxes	$0	4,592
Income before extraordinary items	$-8,645,000	7,742
Extraordinary gains, net	$0	27
Net income	$-8,645,000	7,741
Minority interest net income	$0	118
Net income of bank and minority interests.	$-8,645,000	7,741
Net charge-offs	$11,357,000	464
Cash dividends	$1,323,000	981
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-8,655,000	7,748
2009-06-30 (YTD Data)		Rank
Total interest income	$15,996,000	1,118
Total interest expense	$5,823,000	1,125
Net interest income	$10,173,000	1,075
Provision for loan and lease losses	$11,294,000	419
Total noninterest income	$1,136,000	1,990
Gross Fiduciary activities income	$36,000	916
Service charges on deposit accounts	$736,000	1,154
Trading account gains and fees	$0	193
Additional Noninterest Income	$364,000	2,688
Total noninterest expense	$8,465,000	1,233
Salaries and employee benefits	$4,265,000	1,188
Premises and equipment expense	$1,436,000	978
Additional noninterest expense	$2,764,000	1,345
Pre-tax net operating income	$-8,450,000	7,882
Securities gains (losses)	$10,000	2,574
Applicable income taxes	$0	4,657
Income before extraordinary items	$-8,440,000	7,921
Extraordinary gains, net	$0	21
Net income	$-8,440,000	7,920
Minority interest net income	$0	112
Net income of bank and minority interests.	$-8,440,000	7,920
Net charge-offs	$11,263,000	341
Cash dividends	$1,323,000	698
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-8,450,000	7,924
2009-03-31 (YTD Data)		Rank
Total interest income	$8,267,000	1,076
Total interest expense	$3,104,000	1,105
Net interest income	$5,163,000	1,048
Provision for loan and lease losses	$1,450,000	946
Total noninterest income	$532,000	2,034
Gross Fiduciary activities income	$16,000	940
Service charges on deposit accounts	$347,000	1,187
Trading account gains and fees	$0	171
Additional Noninterest Income	$169,000	2,756
Total noninterest expense	$4,236,000	1,182
Salaries and employee benefits	$2,467,000	1,024
Premises and equipment expense	$734,000	978
Additional noninterest expense	$1,035,000	1,561
Pre-tax net operating income	$9,000	6,137
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$9,000	6,292
Extraordinary gains, net	$0	15
Net income	$9,000	6,294
Minority interest net income	$0	102
Net income of bank and minority interests.	$9,000	6,294
Net charge-offs	$1,489,000	739
Cash dividends	$1,000,000	426
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$9,000	6,141
2008-12-31 (YTD Data)		Rank
Total interest income	$33,557,000	1,142
Total interest expense	$11,074,000	1,466
Net interest income	$22,483,000	951
Provision for loan and lease losses	$5,358,000	961
Total noninterest income	$2,298,000	1,932
Gross Fiduciary activities income	$76,000	922
Service charges on deposit accounts	$1,519,000	1,183
Trading account gains and fees	$0	154
Additional Noninterest Income	$703,000	2,653
Total noninterest expense	$18,534,000	1,064
Salaries and employee benefits	$10,905,000	921
Premises and equipment expense	$3,019,000	910
Additional noninterest expense	$4,610,000	1,363
Pre-tax net operating income	$889,000	3,974
Securities gains (losses)	$2,000	2,962
Applicable income taxes	$40,000	3,968
Income before extraordinary items	$851,000	3,586
Extraordinary gains, net	$0	39
Net income	$851,000	3,587
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,367,000	1,163
Cash dividends	$2,059,000	1,306
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$849,080	3,732
2008-09-30 (YTD Data)		Rank
Total interest income	$24,927,000	1,177
Total interest expense	$7,798,000	1,615
Net interest income	$17,129,000	951
Provision for loan and lease losses	$1,250,000	1,602
Total noninterest income	$1,712,000	2,000
Gross Fiduciary activities income	$58,000	918
Service charges on deposit accounts	$1,143,000	1,191
Trading account gains and fees	$0	148
Additional Noninterest Income	$511,000	2,776
Total noninterest expense	$13,939,000	1,059
Salaries and employee benefits	$8,186,000	943
Premises and equipment expense	$2,270,000	913
Additional noninterest expense	$3,483,000	1,306
Pre-tax net operating income	$3,652,000	1,348
Securities gains (losses)	$2,000	2,845
Applicable income taxes	$0	5,372
Income before extraordinary items	$3,654,000	1,002
Extraordinary gains, net	$0	31
Net income	$3,654,000	1,001
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	3,320
Cash dividends	$2,058,000	988
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$3,652,000	1,062
2008-06-30 (YTD Data)		Rank
Total interest income	$16,720,000	1,184
Total interest expense	$5,081,000	1,735
Net interest income	$11,639,000	926
Provision for loan and lease losses	$550,000	1,800
Total noninterest income	$1,144,000	2,025
Gross Fiduciary activities income	$39,000	939
Service charges on deposit accounts	$760,000	1,174
Trading account gains and fees	$0	149
Additional Noninterest Income	$345,000	2,805
Total noninterest expense	$9,321,000	1,053
Salaries and employee benefits	$5,359,000	972
Premises and equipment expense	$1,513,000	903
Additional noninterest expense	$2,449,000	1,215
Pre-tax net operating income	$2,912,000	1,222
Securities gains (losses)	$2,000	2,957
Applicable income taxes	$0	5,627
Income before extraordinary items	$2,914,000	942
Extraordinary gains, net	$0	21
Net income	$2,914,000	942
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	3,133
Cash dividends	$1,723,000	887
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$2,912,000	922
2008-03-31 (YTD Data)		Rank
Total interest income	$8,016,000	1,273
Total interest expense	$2,828,000	1,660
Net interest income	$5,188,000	1,037
Provision for loan and lease losses	$150,000	2,123
Total noninterest income	$577,000	2,021
Gross Fiduciary activities income	$20,000	951
Service charges on deposit accounts	$396,000	1,096
Trading account gains and fees	$0	158
Additional Noninterest Income	$161,000	2,929
Total noninterest expense	$4,318,000	1,125
Salaries and employee benefits	$2,671,000	978
Premises and equipment expense	$775,000	891
Additional noninterest expense	$872,000	1,648
Pre-tax net operating income	$1,297,000	1,439
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$1,297,000	1,160
Extraordinary gains, net	$0	15
Net income	$1,297,000	1,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	2,854
Cash dividends	$532,000	1,289
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$1,297,000	1,125
2007-12-31 (YTD Data)		Rank
Total interest income	$37,382,000	1,137
Total interest expense	$16,580,000	1,198
Net interest income	$20,802,000	1,065
Provision for loan and lease losses	$200,000	3,846
Total noninterest income	$2,280,000	2,016
Gross Fiduciary activities income	$72,000	959
Service charges on deposit accounts	$1,421,000	1,253
Trading account gains and fees	$0	178
Additional Noninterest Income	$787,000	2,580
Total noninterest expense	$16,964,000	1,105
Salaries and employee benefits	$10,114,000	982
Premises and equipment expense	$2,985,000	878
Additional noninterest expense	$3,865,000	1,437
Pre-tax net operating income	$5,918,000	1,412
Securities gains (losses)	$0	2,146
Applicable income taxes	$125,000	4,295
Income before extraordinary items	$5,793,000	1,114
Extraordinary gains, net	$0	39
Net income	$5,793,000	1,112
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$440,000	1,847
Cash dividends	$3,714,000	988
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$5,793,000	1,098
2007-09-30 (YTD Data)		Rank
Total interest income	$28,488,000	1,118
Total interest expense	$12,921,000	1,140
Net interest income	$15,567,000	1,072
Provision for loan and lease losses	$75,000	4,567
Total noninterest income	$1,701,000	2,031
Gross Fiduciary activities income	$54,000	957
Service charges on deposit accounts	$1,034,000	1,273
Trading account gains and fees	$0	184
Additional Noninterest Income	$613,000	2,529
Total noninterest expense	$12,599,000	1,110
Salaries and employee benefits	$7,525,000	998
Premises and equipment expense	$2,238,000	880
Additional noninterest expense	$2,836,000	1,425
Pre-tax net operating income	$4,594,000	1,474
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$4,594,000	1,138
Extraordinary gains, net	$0	33
Net income	$4,594,000	1,135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	2,883
Cash dividends	$3,296,000	811
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$4,594,000	1,117
2007-06-30 (YTD Data)		Rank
Total interest income	$19,203,000	1,115
Total interest expense	$8,889,000	1,104
Net interest income	$10,314,000	1,097
Provision for loan and lease losses	$0	6,209
Total noninterest income	$1,025,000	2,207
Gross Fiduciary activities income	$37,000	977
Service charges on deposit accounts	$699,000	1,261
Trading account gains and fees	$0	168
Additional Noninterest Income	$289,000	3,085
Total noninterest expense	$8,375,000	1,133
Salaries and employee benefits	$4,956,000	1,024
Premises and equipment expense	$1,512,000	882
Additional noninterest expense	$1,907,000	1,423
Pre-tax net operating income	$2,964,000	1,562
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$2,964,000	1,210
Extraordinary gains, net	$0	29
Net income	$2,964,000	1,209
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	2,975
Cash dividends	$1,967,000	917
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$2,964,000	1,190
2007-03-31 (YTD Data)		Rank
Total interest income	$9,579,000	1,113
Total interest expense	$4,448,000	1,090
Net interest income	$5,131,000	1,085
Provision for loan and lease losses	$0	5,779
Total noninterest income	$508,000	2,192
Gross Fiduciary activities income	$19,000	979
Service charges on deposit accounts	$353,000	1,224
Trading account gains and fees	$0	195
Additional Noninterest Income	$136,000	3,192
Total noninterest expense	$4,142,000	1,135
Salaries and employee benefits	$2,488,000	1,026
Premises and equipment expense	$765,000	878
Additional noninterest expense	$889,000	1,507
Pre-tax net operating income	$1,497,000	1,548
Securities gains (losses)	$0	1,187
Applicable income taxes	$1,000	6,046
Income before extraordinary items	$1,496,000	1,184
Extraordinary gains, net	$0	22
Net income	$1,496,000	1,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	3,299
Cash dividends	$688,000	1,100
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$1,496,000	1,163
2006-12-31 (YTD Data)		Rank
Total interest income	$35,305,000	1,117
Total interest expense	$14,472,000	1,161
Net interest income	$20,833,000	1,064
Provision for loan and lease losses	$0	6,850
Total noninterest income	$2,280,000	2,016
Gross Fiduciary activities income	$75,000	974
Service charges on deposit accounts	$1,507,000	1,177
Trading account gains and fees	$0	130
Additional Noninterest Income	$698,000	2,773
Total noninterest expense	$16,055,000	1,122
Salaries and employee benefits	$9,383,000	1,030
Premises and equipment expense	$2,973,000	850
Additional noninterest expense	$3,699,000	1,432
Pre-tax net operating income	$7,058,000	1,396
Securities gains (losses)	$0	1,687
Applicable income taxes	$62,000	5,303
Income before extraordinary items	$6,996,000	1,064
Extraordinary gains, net	$0	51
Net income	$6,996,000	1,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,000	2,833
Cash dividends	$3,708,000	922
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$6,996,000	1,049
2006-09-30 (YTD Data)		Rank
Total interest income	$26,030,000	1,141
Total interest expense	$10,352,000	1,183
Net interest income	$15,678,000	1,084
Provision for loan and lease losses	$0	6,685
Total noninterest income	$1,768,000	1,977
Gross Fiduciary activities income	$59,000	968
Service charges on deposit accounts	$1,127,000	1,193
Trading account gains and fees	$0	126
Additional Noninterest Income	$582,000	2,628
Total noninterest expense	$11,780,000	1,154
Salaries and employee benefits	$6,893,000	1,062
Premises and equipment expense	$2,231,000	857
Additional noninterest expense	$2,656,000	1,491
Pre-tax net operating income	$5,666,000	1,349
Securities gains (losses)	$0	1,388
Applicable income taxes	$62,000	5,295
Income before extraordinary items	$5,604,000	1,036
Extraordinary gains, net	$0	45
Net income	$5,604,000	1,035
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	3,004
Cash dividends	$3,337,000	754
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$5,604,000	1,018
2006-06-30 (YTD Data)		Rank
Total interest income	$16,773,000	1,160
Total interest expense	$6,457,000	1,206
Net interest income	$10,316,000	1,096
Provision for loan and lease losses	$0	6,419
Total noninterest income	$1,069,000	2,124
Gross Fiduciary activities income	$41,000	978
Service charges on deposit accounts	$730,000	1,217
Trading account gains and fees	$0	126
Additional Noninterest Income	$298,000	3,033
Total noninterest expense	$7,782,000	1,172
Salaries and employee benefits	$4,543,000	1,080
Premises and equipment expense	$1,505,000	848
Additional noninterest expense	$1,734,000	1,532
Pre-tax net operating income	$3,603,000	1,410
Securities gains (losses)	$0	1,185
Applicable income taxes	$75,000	4,845
Income before extraordinary items	$3,528,000	1,087
Extraordinary gains, net	$0	39
Net income	$3,528,000	1,088
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	3,101
Cash dividends	$2,278,000	735
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$3,528,000	1,076
2006-03-31 (YTD Data)		Rank
Total interest income	$8,157,000	1,167
Total interest expense	$3,026,000	1,227
Net interest income	$5,131,000	1,100
Provision for loan and lease losses	$0	6,013
Total noninterest income	$511,000	2,167
Gross Fiduciary activities income	$19,000	994
Service charges on deposit accounts	$352,000	1,228
Trading account gains and fees	$0	115
Additional Noninterest Income	$140,000	3,094
Total noninterest expense	$3,848,000	1,185
Salaries and employee benefits	$2,265,000	1,091
Premises and equipment expense	$748,000	852
Additional noninterest expense	$835,000	1,562
Pre-tax net operating income	$1,794,000	1,367
Securities gains (losses)	$0	955
Applicable income taxes	$75,000	3,953
Income before extraordinary items	$1,719,000	1,091
Extraordinary gains, net	$0	21
Net income	$1,719,000	1,090
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	3,605
Cash dividends	$970,000	786
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$1,719,000	1,077
2005-12-31 (YTD Data)		Rank
Total interest income	$29,021,000	1,137
Total interest expense	$8,477,000	1,338
Net interest income	$20,544,000	1,048
Provision for loan and lease losses	$475,000	1,987
Total noninterest income	$2,447,000	1,905
Gross Fiduciary activities income	$315,000	688
Service charges on deposit accounts	$1,472,000	1,209
Trading account gains and fees	$0	138
Additional Noninterest Income	$660,000	2,876
Total noninterest expense	$15,023,000	1,148
Salaries and employee benefits	$8,808,000	1,049
Premises and equipment expense	$2,542,000	944
Additional noninterest expense	$3,673,000	1,393
Pre-tax net operating income	$7,493,000	1,272
Securities gains (losses)	$0	2,296
Applicable income taxes	$30,000	6,142
Income before extraordinary items	$7,463,000	966
Extraordinary gains, net	$0	46
Net income	$7,463,000	966
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	3,712
Cash dividends	$2,898,000	1,071
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$7,463,000	950
2005-09-30 (YTD Data)		Rank
Total interest income	$21,214,000	1,136
Total interest expense	$5,828,000	1,377
Net interest income	$15,386,000	1,029
Provision for loan and lease losses	$450,000	1,533
Total noninterest income	$1,886,000	1,872
Gross Fiduciary activities income	$290,000	635
Service charges on deposit accounts	$1,079,000	1,220
Trading account gains and fees	$0	126
Additional Noninterest Income	$517,000	2,816
Total noninterest expense	$11,013,000	1,161
Salaries and employee benefits	$6,512,000	1,057
Premises and equipment expense	$1,825,000	977
Additional noninterest expense	$2,676,000	1,419
Pre-tax net operating income	$5,809,000	1,227
Securities gains (losses)	$0	2,317
Applicable income taxes	$30,000	6,080
Income before extraordinary items	$5,779,000	937
Extraordinary gains, net	$0	35
Net income	$5,779,000	938
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	4,651
Cash dividends	$2,898,000	781
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$5,779,000	919
2005-06-30 (YTD Data)		Rank
Total interest income	$13,573,000	1,156
Total interest expense	$3,518,000	1,425
Net interest income	$10,055,000	1,043
Provision for loan and lease losses	$300,000	1,505
Total noninterest income	$1,351,000	1,754
Gross Fiduciary activities income	$270,000	563
Service charges on deposit accounts	$693,000	1,227
Trading account gains and fees	$0	116
Additional Noninterest Income	$388,000	2,604
Total noninterest expense	$7,423,000	1,133
Salaries and employee benefits	$4,340,000	1,049
Premises and equipment expense	$1,197,000	983
Additional noninterest expense	$1,886,000	1,323
Pre-tax net operating income	$3,683,000	1,262
Securities gains (losses)	$0	2,146
Applicable income taxes	$35,000	5,780
Income before extraordinary items	$3,648,000	954
Extraordinary gains, net	$0	30
Net income	$3,648,000	955
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,009
Cash dividends	$1,783,000	820
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$3,648,000	931
2005-03-31 (YTD Data)		Rank
Total interest income	$6,488,000	1,182
Total interest expense	$1,641,000	1,458
Net interest income	$4,847,000	1,075
Provision for loan and lease losses	$150,000	1,379
Total noninterest income	$590,000	1,908
Gross Fiduciary activities income	$150,000	539
Service charges on deposit accounts	$333,000	1,232
Trading account gains and fees	$0	115
Additional Noninterest Income	$107,000	3,603
Total noninterest expense	$3,666,000	1,142
Salaries and employee benefits	$2,131,000	1,067
Premises and equipment expense	$601,000	990
Additional noninterest expense	$934,000	1,330
Pre-tax net operating income	$1,621,000	1,410
Securities gains (losses)	$0	1,685
Applicable income taxes	$35,000	5,166
Income before extraordinary items	$1,586,000	1,083
Extraordinary gains, net	$0	24
Net income	$1,586,000	1,083
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,060
Cash dividends	$1,081,000	614
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$1,586,000	1,059
2004-12-31 (YTD Data)		Rank
Total interest income	$22,060,000	1,280
Total interest expense	$5,233,000	1,566
Net interest income	$16,827,000	1,193
Provision for loan and lease losses	$450,000	2,142
Total noninterest income	$2,586,000	1,817
Gross Fiduciary activities income	$665,000	471
Service charges on deposit accounts	$1,391,000	1,275
Trading account gains and fees	$0	138
Additional Noninterest Income	$530,000	3,215
Total noninterest expense	$14,321,000	1,135
Salaries and employee benefits	$8,254,000	1,046
Premises and equipment expense	$2,305,000	995
Additional noninterest expense	$3,762,000	1,325
Pre-tax net operating income	$4,642,000	1,807
Securities gains (losses)	$-2,000	7,892
Applicable income taxes	$39,000	6,193
Income before extraordinary items	$4,601,000	1,403
Extraordinary gains, net	$0	34
Net income	$4,601,000	1,404
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,233
Cash dividends	$365,000	4,059
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$4,602,980	1,362
2004-09-30 (YTD Data)		Rank
Total interest income	$15,984,000	1,312
Total interest expense	$3,817,000	1,584
Net interest income	$12,167,000	1,226
Provision for loan and lease losses	$300,000	2,260
Total noninterest income	$1,972,000	1,801
Gross Fiduciary activities income	$516,000	461
Service charges on deposit accounts	$1,059,000	1,266
Trading account gains and fees	$0	134
Additional Noninterest Income	$397,000	3,205
Total noninterest expense	$10,338,000	1,179
Salaries and employee benefits	$6,133,000	1,046
Premises and equipment expense	$1,726,000	993
Additional noninterest expense	$2,479,000	1,478
Pre-tax net operating income	$3,501,000	1,806
Securities gains (losses)	$-2,000	8,174
Applicable income taxes	$52,000	5,934
Income before extraordinary items	$3,447,000	1,430
Extraordinary gains, net	$0	26
Net income	$3,447,000	1,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	4,149
Cash dividends	$165,000	4,204
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$3,448,980	1,383
2004-06-30 (YTD Data)		Rank
Total interest income	$10,220,000	1,359
Total interest expense	$2,493,000	1,593
Net interest income	$7,727,000	1,287
Provision for loan and lease losses	$150,000	2,691
Total noninterest income	$1,327,000	1,768
Gross Fiduciary activities income	$342,000	466
Service charges on deposit accounts	$703,000	1,256
Trading account gains and fees	$0	130
Additional Noninterest Income	$282,000	3,093
Total noninterest expense	$6,774,000	1,195
Salaries and employee benefits	$4,056,000	1,059
Premises and equipment expense	$1,137,000	1,005
Additional noninterest expense	$1,581,000	1,529
Pre-tax net operating income	$2,130,000	1,933
Securities gains (losses)	$0	3,413
Applicable income taxes	$52,000	5,605
Income before extraordinary items	$2,078,000	1,543
Extraordinary gains, net	$0	21
Net income	$2,078,000	1,544
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	3,880
Cash dividends	$148,000	3,847
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$2,078,000	1,486
2004-03-31 (YTD Data)		Rank
Total interest income	$4,967,000	1,410
Total interest expense	$1,220,000	1,649
Net interest income	$3,747,000	1,325
Provision for loan and lease losses	$75,000	2,550
Total noninterest income	$672,000	1,718
Gross Fiduciary activities income	$166,000	488
Service charges on deposit accounts	$357,000	1,193
Trading account gains and fees	$0	121
Additional Noninterest Income	$149,000	2,962
Total noninterest expense	$3,379,000	1,201
Salaries and employee benefits	$2,028,000	1,068
Premises and equipment expense	$560,000	1,053
Additional noninterest expense	$791,000	1,522
Pre-tax net operating income	$965,000	2,073
Securities gains (losses)	$0	2,934
Applicable income taxes	$50,000	4,842
Income before extraordinary items	$915,000	1,713
Extraordinary gains, net	$0	16
Net income	$915,000	1,713
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	3,590
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$915,000	1,632
2003-12-31 (YTD Data)		Rank
Total interest income	$20,499,000	1,398
Total interest expense	$5,499,000	1,647
Net interest income	$15,000,000	1,300
Provision for loan and lease losses	$590,000	1,909
Total noninterest income	$2,653,000	1,858
Gross Fiduciary activities income	$653,000	476
Service charges on deposit accounts	$1,435,000	1,212
Trading account gains and fees	$0	160
Additional Noninterest Income	$565,000	3,367
Total noninterest expense	$13,395,000	1,209
Salaries and employee benefits	$7,891,000	1,069
Premises and equipment expense	$2,156,000	1,058
Additional noninterest expense	$3,348,000	1,478
Pre-tax net operating income	$3,668,000	2,126
Securities gains (losses)	$0	4,500
Applicable income taxes	$37,000	6,479
Income before extraordinary items	$3,631,000	1,713
Extraordinary gains, net	$0	54
Net income	$3,631,000	1,715
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$222,000	2,706
Cash dividends	$1,410,000	1,814
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,631,000	1,626
2003-09-30 (YTD Data)		Rank
Total interest income	$15,576,000	1,398
Total interest expense	$4,234,000	1,669
Net interest income	$11,342,000	1,292
Provision for loan and lease losses	$530,000	1,579
Total noninterest income	$1,994,000	1,902
Gross Fiduciary activities income	$487,000	482
Service charges on deposit accounts	$1,058,000	1,241
Trading account gains and fees	$0	153
Additional Noninterest Income	$449,000	3,334
Total noninterest expense	$10,133,000	1,199
Salaries and employee benefits	$5,893,000	1,085
Premises and equipment expense	$1,624,000	1,064
Additional noninterest expense	$2,616,000	1,413
Pre-tax net operating income	$2,673,000	2,247
Securities gains (losses)	$0	4,204
Applicable income taxes	$37,000	6,442
Income before extraordinary items	$2,636,000	1,836
Extraordinary gains, net	$0	40
Net income	$2,636,000	1,836
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$271,000	1,827
Cash dividends	$1,260,000	1,468
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$2,636,000	1,731
2003-06-30 (YTD Data)		Rank
Total interest income	$10,445,000	1,398
Total interest expense	$2,877,000	1,695
Net interest income	$7,568,000	1,296
Provision for loan and lease losses	$470,000	1,215
Total noninterest income	$1,301,000	1,923
Gross Fiduciary activities income	$324,000	485
Service charges on deposit accounts	$689,000	1,251
Trading account gains and fees	$0	150
Additional Noninterest Income	$288,000	3,379
Total noninterest expense	$6,521,000	1,242
Salaries and employee benefits	$3,901,000	1,082
Premises and equipment expense	$1,069,000	1,081
Additional noninterest expense	$1,551,000	1,565
Pre-tax net operating income	$1,878,000	2,152
Securities gains (losses)	$0	3,782
Applicable income taxes	$37,000	6,172
Income before extraordinary items	$1,841,000	1,758
Extraordinary gains, net	$0	30
Net income	$1,841,000	1,758
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,737
Cash dividends	$1,260,000	1,074
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,841,000	1,642
2003-03-31 (YTD Data)		Rank
Total interest income	$5,224,000	1,412
Total interest expense	$1,460,000	1,714
Net interest income	$3,764,000	1,300
Provision for loan and lease losses	$270,000	1,039
Total noninterest income	$627,000	1,933
Gross Fiduciary activities income	$159,000	502
Service charges on deposit accounts	$334,000	1,254
Trading account gains and fees	$0	134
Additional Noninterest Income	$134,000	3,408
Total noninterest expense	$3,125,000	1,298
Salaries and employee benefits	$1,887,000	1,120
Premises and equipment expense	$498,000	1,165
Additional noninterest expense	$740,000	1,595
Pre-tax net operating income	$996,000	2,047
Securities gains (losses)	$0	2,891
Applicable income taxes	$50,000	5,100
Income before extraordinary items	$946,000	1,694
Extraordinary gains, net	$0	21
Net income	$946,000	1,693
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	8,455
Cash dividends	$492,000	1,251
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$946,000	1,586
2002-12-31 (YTD Data)		Rank
Total interest income	$21,357,000	1,443
Total interest expense	$7,075,000	1,606
Net interest income	$14,282,000	1,356
Provision for loan and lease losses	$1,080,000	1,255
Total noninterest income	$2,441,000	1,826
Gross Fiduciary activities income	$598,000	518
Service charges on deposit accounts	$1,361,000	1,185
Trading account gains and fees	$0	153
Additional Noninterest Income	$482,000	3,353
Total noninterest expense	$11,784,000	1,309
Salaries and employee benefits	$7,205,000	1,106
Premises and equipment expense	$1,938,000	1,135
Additional noninterest expense	$2,641,000	1,768
Pre-tax net operating income	$3,859,000	2,043
Securities gains (losses)	$76,000	2,019
Applicable income taxes	$36,000	6,735
Income before extraordinary items	$3,899,000	1,561
Extraordinary gains, net	$0	70
Net income	$3,899,000	1,561
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$367,000	2,071
Cash dividends	$1,255,000	1,877
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,823,760	1,532
2001-12-31 (YTD Data)		Rank
Total interest income	$22,396,000	1,510
Total interest expense	$9,987,000	1,621
Net interest income	$12,409,000	1,428
Provision for loan and lease losses	$898,000	1,367
Total noninterest income	$2,294,000	1,808
Gross Fiduciary activities income	$602,000	534
Service charges on deposit accounts	$1,162,000	1,284
Trading account gains and fees	$0	177
Additional Noninterest Income	$530,000	3,029
Total noninterest expense	$10,088,000	1,457
Salaries and employee benefits	$6,145,000	1,210
Premises and equipment expense	$1,673,000	1,275
Additional noninterest expense	$2,270,000	1,981
Pre-tax net operating income	$3,717,000	1,884
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$3,717,000	1,448
Extraordinary gains, net	$0	105
Net income	$3,717,000	1,450
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$247,000	2,518
Cash dividends	$1,118,000	2,056
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$3,717,000	1,396
2000-12-31 (YTD Data)		Rank
Total interest income	$20,826,000	1,660
Total interest expense	$10,384,000	1,658
Net interest income	$10,442,000	1,685
Provision for loan and lease losses	$264,000	3,126
Total noninterest income	$1,915,000	1,929
Gross Fiduciary activities income	$620,000	540
Service charges on deposit accounts	$1,131,000	1,202
Trading account gains and fees	$0	180
Additional Noninterest Income	$164,000	5,264
Total noninterest expense	$9,615,000	1,446
Salaries and employee benefits	$5,518,000	1,282
Premises and equipment expense	$1,658,000	1,226
Additional noninterest expense	$2,439,000	1,816
Pre-tax net operating income	$2,478,000	2,778
Securities gains (losses)	$-8,000	8,215
Applicable income taxes	$0	8,362
Income before extraordinary items	$2,470,000	2,106
Extraordinary gains, net	$0	38
Net income	$2,470,000	2,106
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$103,000	3,525
Cash dividends	$1,007,000	2,243
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,478,000	2,097
1999-12-31 (YTD Data)		Rank
Total interest income	$16,525,000	1,967
Total interest expense	$7,317,000	2,042
Net interest income	$9,208,000	1,907
Provision for loan and lease losses	$120,000	4,720
Total noninterest income	$1,492,000	2,320
Gross Fiduciary activities income	$474,000	656
Service charges on deposit accounts	$890,000	1,465
Trading account gains and fees	$0	173
Additional Noninterest Income	$128,000	5,999
Total noninterest expense	$8,356,000	1,647
Salaries and employee benefits	$4,952,000	1,396
Premises and equipment expense	$1,374,000	1,495
Additional noninterest expense	$2,030,000	2,155
Pre-tax net operating income	$2,224,000	3,066
Securities gains (losses)	$0	3,155
Applicable income taxes	$-11,000	9,679
Income before extraordinary items	$2,235,000	2,321
Extraordinary gains, net	$0	35
Net income	$2,235,000	2,322
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	4,073
Cash dividends	$2,924,000	1,002
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,235,000	2,295
1998-12-31 (YTD Data)		Rank
Total interest income	$17,038,000	1,896
Total interest expense	$7,326,000	2,075
Net interest income	$9,712,000	1,759
Provision for loan and lease losses	$294,000	2,690
Total noninterest income	$3,016,000	1,340
Gross Fiduciary activities income	$327,000	756
Service charges on deposit accounts	$841,000	1,498
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,848,000	1,218
Total noninterest expense	$6,900,000	1,885
Salaries and employee benefits	$4,069,000	1,639
Premises and equipment expense	$1,019,000	1,937
Additional noninterest expense	$1,812,000	2,302
Pre-tax net operating income	$5,534,000	1,359
Securities gains (losses)	$28,000	2,162
Applicable income taxes	$43,000	8,450
Income before extraordinary items	$5,519,000	983
Extraordinary gains, net	$0	32
Net income	$5,519,000	982
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,026
Cash dividends	$4,197,000	737
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$5,491,280	960
1997-12-31 (YTD Data)		Rank
Total interest income	$18,289,000	1,806
Total interest expense	$8,011,000	1,931
Net interest income	$10,278,000	1,703
Provision for loan and lease losses	$408,000	2,070
Total noninterest income	$1,142,000	2,741
Gross Fiduciary activities income	$52,000	1,169
Service charges on deposit accounts	$848,000	1,530
Trading account gains and fees	$0	239
Additional Noninterest Income	$242,000	4,453
Total noninterest expense	$6,271,000	2,063
Salaries and employee benefits	$3,640,000	1,793
Premises and equipment expense	$908,000	2,160
Additional noninterest expense	$1,723,000	2,405
Pre-tax net operating income	$4,741,000	1,631
Securities gains (losses)	$-29,000	10,497
Applicable income taxes	$36,000	9,472
Income before extraordinary items	$4,676,000	1,176
Extraordinary gains, net	$0	44
Net income	$4,676,000	1,177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$504,000	1,325
Cash dividends	$1,713,000	1,467
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$4,704,710	1,147
1996-12-31 (YTD Data)		Rank
Total interest income	$16,251,000	2,081
Total interest expense	$6,856,000	2,259
Net interest income	$9,395,000	1,901
Provision for loan and lease losses	$745,000	1,269
Total noninterest income	$843,000	3,563
Gross Fiduciary activities income	$53,000	1,224
Service charges on deposit accounts	$572,000	2,376
Trading account gains and fees	$0	262
Additional Noninterest Income	$218,000	4,938
Total noninterest expense	$5,968,000	2,300
Salaries and employee benefits	$3,348,000	1,972
Premises and equipment expense	$859,000	2,302
Additional noninterest expense	$1,761,000	2,752
Pre-tax net operating income	$3,525,000	2,041
Securities gains (losses)	$59,000	1,236
Applicable income taxes	$1,176,000	2,029
Income before extraordinary items	$2,408,000	2,065
Extraordinary gains, net	$0	53
Net income	$2,408,000	2,066
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$784,000	1,035
Cash dividends	$3,010,000	946
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$2,368,470	2,052
1995-12-31 (YTD Data)		Rank
Total interest income	$15,532,000	2,175
Total interest expense	$5,968,000	2,574
Net interest income	$9,564,000	1,864
Provision for loan and lease losses	$473,000	1,658
Total noninterest income	$2,340,000	1,617
Gross Fiduciary activities income	$41,000	1,321
Service charges on deposit accounts	$517,000	2,621
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,782,000	1,215
Total noninterest expense	$6,043,000	2,257
Salaries and employee benefits	$3,253,000	2,035
Premises and equipment expense	$905,000	2,213
Additional noninterest expense	$1,885,000	2,533
Pre-tax net operating income	$5,388,000	1,415
Securities gains (losses)	$33,000	1,557
Applicable income taxes	$1,790,000	1,403
Income before extraordinary items	$3,631,000	1,432
Extraordinary gains, net	$0	65
Net income	$3,631,000	1,429
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$353,000	1,747
Cash dividends	$303,000	4,467
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$3,608,890	1,416
1994-12-31 (YTD Data)		Rank
Total interest income	$12,263,000	2,476
Total interest expense	$3,810,000	3,209
Net interest income	$8,453,000	2,137
Provision for loan and lease losses	$78,000	5,081
Total noninterest income	$1,152,000	2,808
Gross Fiduciary activities income	$35,000	1,365
Service charges on deposit accounts	$550,000	2,476
Trading account gains and fees	$0	475
Additional Noninterest Income	$567,000	2,703
Total noninterest expense	$6,575,000	2,149
Salaries and employee benefits	$3,318,000	2,003
Premises and equipment expense	$874,000	2,307
Additional noninterest expense	$2,383,000	2,221
Pre-tax net operating income	$2,952,000	2,416
Securities gains (losses)	$-66,000	11,252
Applicable income taxes	$979,000	2,290
Income before extraordinary items	$1,907,000	2,544
Extraordinary gains, net	$0	249
Net income	$1,907,000	2,545
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-128,000	12,303
Cash dividends	$588,000	2,871
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,950,560	2,500
1993-12-31 (YTD Data)		Rank
Total interest income	$9,512,000	3,254
Total interest expense	$3,100,000	4,004
Net interest income	$6,412,000	2,828
Provision for loan and lease losses	$-464,000	13,166
Total noninterest income	$1,790,000	2,123
Gross Fiduciary activities income	$19,000	1,453
Service charges on deposit accounts	$603,000	2,290
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,168,000	1,844
Total noninterest expense	$5,725,000	2,495
Salaries and employee benefits	$3,026,000	2,195
Premises and equipment expense	$745,000	2,724
Additional noninterest expense	$1,954,000	2,789
Pre-tax net operating income	$2,941,000	2,333
Securities gains (losses)	$28,000	4,186
Applicable income taxes	$1,004,000	2,256
Income before extraordinary items	$1,965,000	2,568
Extraordinary gains, net	$0	3,149
Net income	$1,965,000	2,657
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-564,000	13,238
Cash dividends	$552,000	2,836
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,946,520	2,439
1992-12-31 (YTD Data)		Rank
Total interest income	$9,620,000	3,630
Total interest expense	$3,799,000	4,248
Net interest income	$5,821,000	3,156
Provision for loan and lease losses	$983,000	1,866
Total noninterest income	$1,674,000	2,199
Gross Fiduciary activities income	$16,000	1,500
Service charges on deposit accounts	$615,000	2,219
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,043,000	1,940
Total noninterest expense	$5,304,000	2,717
Salaries and employee benefits	$2,687,000	2,406
Premises and equipment expense	$793,000	2,625
Additional noninterest expense	$1,824,000	3,026
Pre-tax net operating income	$1,208,000	4,893
Securities gains (losses)	$-4,000	13,019
Applicable income taxes	$398,000	4,812
Income before extraordinary items	$806,000	5,329
Extraordinary gains, net	$0	1,422
Net income	$806,000	5,385
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$864,000	1,725
Cash dividends	$315,000	3,887
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$808,680	5,016

* 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.