Home > Virginia Bank and Trust Company > Income and Expense

Virginia Bank and Trust Company, Income and Expense

2020-09-30 (YTD Data)		Rank
Total interest income	$6,282,000	2,822
Total interest expense	$298,000	4,130
Net interest income	$5,984,000	2,626
Provision for loan and lease losses	$409,000	2,131
Total noninterest income	$970,000	2,562
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$401,000	1,536
Trading account gains and fees	NA	NA
Additional Noninterest Income	$569,000	2,709
Total noninterest expense	$4,868,000	2,551
Salaries and employee benefits	$2,794,000	2,581
Premises and equipment expense	$474,000	2,680
Additional noninterest expense	$1,600,000	2,400
Pre-tax net operating income	$1,677,000	2,821
Securities gains (losses)	$12,000	2,078
Applicable income taxes	$317,000	2,057
Income before extraordinary items	$1,372,000	2,948
Extraordinary gains, net	$0	4
Net income	$1,372,000	2,947
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,372,000	2,948
Net charge-offs	$391,000	885
Cash dividends	$1,300,000	1,460
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,362,280	2,919
2020-06-30 (YTD Data)		Rank
Total interest income	$4,197,000	2,850
Total interest expense	$207,000	4,177
Net interest income	$3,990,000	2,644
Provision for loan and lease losses	$361,000	1,868
Total noninterest income	$671,000	2,469
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$282,000	1,509
Trading account gains and fees	NA	NA
Additional Noninterest Income	$389,000	2,637
Total noninterest expense	$3,254,000	2,550
Salaries and employee benefits	$1,873,000	2,580
Premises and equipment expense	$316,000	2,673
Additional noninterest expense	$1,065,000	2,397
Pre-tax net operating income	$1,046,000	2,885
Securities gains (losses)	$12,000	1,821
Applicable income taxes	$173,000	2,176
Income before extraordinary items	$885,000	2,967
Extraordinary gains, net	$0	4
Net income	$885,000	2,966
Minority interest net income	$0	65
Net income of bank and minority interests.	$885,000	2,967
Net charge-offs	$351,000	737
Cash dividends	$800,000	1,513
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$874,920	2,940
2020-03-31 (YTD Data)		Rank
Total interest income	$2,152,000	2,812
Total interest expense	$110,000	4,233
Net interest income	$2,042,000	2,568
Provision for loan and lease losses	$64,000	2,328
Total noninterest income	$365,000	2,285
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$184,000	1,385
Trading account gains and fees	NA	NA
Additional Noninterest Income	$181,000	2,554
Total noninterest expense	$1,665,000	2,548
Salaries and employee benefits	$974,000	2,533
Premises and equipment expense	$162,000	2,658
Additional noninterest expense	$529,000	2,443
Pre-tax net operating income	$678,000	2,390
Securities gains (losses)	$12,000	1,271
Applicable income taxes	$104,000	1,906
Income before extraordinary items	$586,000	2,432
Extraordinary gains, net	$0	4
Net income	$586,000	2,431
Minority interest net income	$0	56
Net income of bank and minority interests.	$586,000	2,432
Net charge-offs	$9,000	1,897
Cash dividends	$500,000	1,256
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$575,800	2,435
2019-12-31 (YTD Data)		Rank
Total interest income	$8,857,000	2,800
Total interest expense	$401,000	4,351
Net interest income	$8,456,000	2,521
Provision for loan and lease losses	$303,000	1,938
Total noninterest income	$1,204,000	2,569
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$795,000	1,344
Trading account gains and fees	NA	NA
Additional Noninterest Income	$409,000	3,258
Total noninterest expense	$6,987,000	2,453
Salaries and employee benefits	$4,107,000	2,389
Premises and equipment expense	$642,000	2,693
Additional noninterest expense	$2,238,000	2,382
Pre-tax net operating income	$2,370,000	2,810
Securities gains (losses)	$0	2,379
Applicable income taxes	$502,000	1,983
Income before extraordinary items	$1,868,000	2,991
Extraordinary gains, net	$0	11
Net income	$1,868,000	2,990
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,868,000	2,992
Net charge-offs	$219,000	1,601
Cash dividends	$1,515,000	1,868
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,868,000	2,956
2019-09-30 (YTD Data)		Rank
Total interest income	$6,610,000	2,843
Total interest expense	$283,000	4,443
Net interest income	$6,327,000	2,561
Provision for loan and lease losses	$177,000	2,117
Total noninterest income	$817,000	2,715
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$592,000	1,361
Trading account gains and fees	NA	NA
Additional Noninterest Income	$225,000	3,599
Total noninterest expense	$5,143,000	2,498
Salaries and employee benefits	$3,036,000	2,431
Premises and equipment expense	$493,000	2,669
Additional noninterest expense	$1,614,000	2,443
Pre-tax net operating income	$1,824,000	2,864
Securities gains (losses)	$0	2,167
Applicable income taxes	$383,000	2,041
Income before extraordinary items	$1,441,000	3,008
Extraordinary gains, net	$0	11
Net income	$1,441,000	3,009
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,441,000	3,009
Net charge-offs	$198,000	1,301
Cash dividends	$1,215,000	1,619
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,441,000	2,984
2019-06-30 (YTD Data)		Rank
Total interest income	$4,331,000	2,870
Total interest expense	$168,000	4,560
Net interest income	$4,163,000	2,592
Provision for loan and lease losses	$104,000	2,168
Total noninterest income	$437,000	2,984
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$390,000	1,356
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	4,539
Total noninterest expense	$3,407,000	2,520
Salaries and employee benefits	$1,987,000	2,470
Premises and equipment expense	$329,000	2,665
Additional noninterest expense	$1,091,000	2,437
Pre-tax net operating income	$1,089,000	2,984
Securities gains (losses)	$0	1,702
Applicable income taxes	$229,000	2,099
Income before extraordinary items	$860,000	3,157
Extraordinary gains, net	$0	11
Net income	$860,000	3,155
Minority interest net income	$0	69
Net income of bank and minority interests.	$860,000	3,155
Net charge-offs	$184,000	1,049
Cash dividends	$810,000	1,629
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$860,000	3,129
2019-03-31 (YTD Data)		Rank
Total interest income	$2,129,000	2,913
Total interest expense	$78,000	4,639
Net interest income	$2,051,000	2,633
Provision for loan and lease losses	$32,000	2,376
Total noninterest income	$64,000	4,367
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$200,000	1,321
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-136,000	5,345
Total noninterest expense	$1,698,000	2,540
Salaries and employee benefits	$991,000	2,504
Premises and equipment expense	$163,000	2,704
Additional noninterest expense	$544,000	2,443
Pre-tax net operating income	$385,000	3,441
Securities gains (losses)	$0	1,087
Applicable income taxes	$81,000	2,315
Income before extraordinary items	$304,000	3,609
Extraordinary gains, net	$0	5
Net income	$304,000	3,608
Minority interest net income	$0	52
Net income of bank and minority interests.	$304,000	3,608
Net charge-offs	$2,000	2,456
Cash dividends	$405,000	1,492
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$304,000	3,597
2018-12-31 (YTD Data)		Rank
Total interest income	$8,265,000	2,877
Total interest expense	$218,000	4,773
Net interest income	$8,047,000	2,646
Provision for loan and lease losses	$88,000	3,175
Total noninterest income	$1,362,000	2,450
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$832,000	1,326
Trading account gains and fees	NA	NA
Additional Noninterest Income	$530,000	2,991
Total noninterest expense	$7,115,000	2,450
Salaries and employee benefits	$4,396,000	2,303
Premises and equipment expense	$707,000	2,554
Additional noninterest expense	$2,012,000	2,586
Pre-tax net operating income	$2,206,000	2,980
Securities gains (losses)	$0	1,125
Applicable income taxes	$430,000	2,111
Income before extraordinary items	$1,776,000	3,116
Extraordinary gains, net	$0	6
Net income	$1,776,000	3,115
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,776,000	3,115
Net charge-offs	$133,000	1,945
Cash dividends	$1,620,000	1,654
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,776,000	3,113
2018-09-30 (YTD Data)		Rank
Total interest income	$6,123,000	2,903
Total interest expense	$153,000	4,841
Net interest income	$5,970,000	2,668
Provision for loan and lease losses	$80,000	2,859
Total noninterest income	$1,108,000	2,365
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$616,000	1,358
Trading account gains and fees	NA	NA
Additional Noninterest Income	$492,000	2,776
Total noninterest expense	$5,312,000	2,462
Salaries and employee benefits	$3,269,000	2,319
Premises and equipment expense	$506,000	2,654
Additional noninterest expense	$1,537,000	2,562
Pre-tax net operating income	$1,686,000	3,013
Securities gains (losses)	$0	1,118
Applicable income taxes	$353,000	2,101
Income before extraordinary items	$1,333,000	3,172
Extraordinary gains, net	$0	5
Net income	$1,333,000	3,170
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,333,000	3,171
Net charge-offs	$33,000	2,445
Cash dividends	$1,215,000	1,495
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,333,000	3,162
2018-06-30 (YTD Data)		Rank
Total interest income	$4,040,000	2,913
Total interest expense	$98,000	4,883
Net interest income	$3,942,000	2,679
Provision for loan and lease losses	$63,000	2,555
Total noninterest income	$783,000	2,296
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$399,000	1,382
Trading account gains and fees	NA	NA
Additional Noninterest Income	$384,000	2,577
Total noninterest expense	$3,541,000	2,472
Salaries and employee benefits	$2,172,000	2,345
Premises and equipment expense	$349,000	2,614
Additional noninterest expense	$1,020,000	2,577
Pre-tax net operating income	$1,121,000	2,986
Securities gains (losses)	$0	961
Applicable income taxes	$235,000	2,071
Income before extraordinary items	$886,000	3,140
Extraordinary gains, net	$0	6
Net income	$886,000	3,138
Minority interest net income	$0	65
Net income of bank and minority interests.	$886,000	3,139
Net charge-offs	$25,000	2,124
Cash dividends	$810,000	1,501
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$886,000	3,130
2018-03-31 (YTD Data)		Rank
Total interest income	$1,982,000	2,954
Total interest expense	$47,000	4,923
Net interest income	$1,935,000	2,731
Provision for loan and lease losses	$31,000	2,402
Total noninterest income	$393,000	2,277
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$209,000	1,338
Trading account gains and fees	NA	NA
Additional Noninterest Income	$184,000	2,593
Total noninterest expense	$1,752,000	2,509
Salaries and employee benefits	$1,067,000	2,399
Premises and equipment expense	$192,000	2,501
Additional noninterest expense	$493,000	2,660
Pre-tax net operating income	$545,000	2,977
Securities gains (losses)	$0	735
Applicable income taxes	$114,000	2,057
Income before extraordinary items	$431,000	3,138
Extraordinary gains, net	$0	7
Net income	$431,000	3,138
Minority interest net income	$0	52
Net income of bank and minority interests.	$431,000	3,138
Net charge-offs	$5,000	2,201
Cash dividends	$405,000	1,356
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$431,000	3,136
2017-12-31 (YTD Data)		Rank
Total interest income	$7,856,000	2,909
Total interest expense	$203,000	4,844
Net interest income	$7,653,000	2,725
Provision for loan and lease losses	$504,000	1,440
Total noninterest income	$1,607,000	2,313
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$843,000	1,363
Trading account gains and fees	NA	NA
Additional Noninterest Income	$764,000	2,617
Total noninterest expense	$6,726,000	2,575
Salaries and employee benefits	$4,135,000	2,418
Premises and equipment expense	$824,000	2,411
Additional noninterest expense	$1,767,000	2,886
Pre-tax net operating income	$2,030,000	3,089
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,172,000	1,736
Income before extraordinary items	$858,000	3,914
Extraordinary gains, net	$0	9
Net income	$858,000	3,913
Minority interest net income	$0	76
Net income of bank and minority interests.	$858,000	3,914
Net charge-offs	$161,000	2,012
Cash dividends	$1,620,000	1,633
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$858,000	3,904
2017-09-30 (YTD Data)		Rank
Total interest income	$5,853,000	2,932
Total interest expense	$152,000	4,871
Net interest income	$5,701,000	2,752
Provision for loan and lease losses	$351,000	1,472
Total noninterest income	$1,157,000	2,378
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$626,000	1,379
Trading account gains and fees	NA	NA
Additional Noninterest Income	$531,000	2,734
Total noninterest expense	$4,919,000	2,628
Salaries and employee benefits	$2,978,000	2,494
Premises and equipment expense	$596,000	2,489
Additional noninterest expense	$1,345,000	2,859
Pre-tax net operating income	$1,588,000	3,073
Securities gains (losses)	$0	2,274
Applicable income taxes	$551,000	1,989
Income before extraordinary items	$1,037,000	3,482
Extraordinary gains, net	$0	9
Net income	$1,037,000	3,482
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,037,000	3,482
Net charge-offs	$127,000	1,737
Cash dividends	$1,215,000	1,505
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,037,000	3,448
2017-06-30 (YTD Data)		Rank
Total interest income	$3,890,000	2,929
Total interest expense	$102,000	4,884
Net interest income	$3,788,000	2,745
Provision for loan and lease losses	$256,000	1,346
Total noninterest income	$772,000	2,401
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$411,000	1,384
Trading account gains and fees	NA	NA
Additional Noninterest Income	$361,000	2,715
Total noninterest expense	$3,261,000	2,642
Salaries and employee benefits	$1,941,000	2,541
Premises and equipment expense	$401,000	2,477
Additional noninterest expense	$919,000	2,829
Pre-tax net operating income	$1,043,000	3,057
Securities gains (losses)	$0	1,906
Applicable income taxes	$379,000	1,948
Income before extraordinary items	$664,000	3,502
Extraordinary gains, net	$0	11
Net income	$664,000	3,501
Minority interest net income	$0	71
Net income of bank and minority interests.	$664,000	3,502
Net charge-offs	$109,000	1,456
Cash dividends	$810,000	1,512
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$664,000	3,481
2017-03-31 (YTD Data)		Rank
Total interest income	$1,931,000	2,934
Total interest expense	$52,000	4,885
Net interest income	$1,879,000	2,760
Provision for loan and lease losses	$235,000	830
Total noninterest income	$384,000	2,389
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$205,000	1,388
Trading account gains and fees	NA	NA
Additional Noninterest Income	$179,000	2,717
Total noninterest expense	$1,608,000	2,700
Salaries and employee benefits	$973,000	2,574
Premises and equipment expense	$186,000	2,628
Additional noninterest expense	$449,000	2,882
Pre-tax net operating income	$420,000	3,356
Securities gains (losses)	$0	1,153
Applicable income taxes	$167,000	2,023
Income before extraordinary items	$253,000	3,853
Extraordinary gains, net	$0	8
Net income	$253,000	3,851
Minority interest net income	$0	55
Net income of bank and minority interests.	$253,000	3,853
Net charge-offs	$3,000	2,592
Cash dividends	$405,000	1,374
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$253,000	3,835
2016-12-31 (YTD Data)		Rank
Total interest income	$7,510,000	2,988
Total interest expense	$221,000	4,861
Net interest income	$7,289,000	2,798
Provision for loan and lease losses	$8,000	4,221
Total noninterest income	$1,598,000	2,397
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$907,000	1,311
Trading account gains and fees	$0	170
Additional Noninterest Income	$691,000	2,845
Total noninterest expense	$6,423,000	2,716
Salaries and employee benefits	$3,743,000	2,617
Premises and equipment expense	$765,000	2,578
Additional noninterest expense	$1,915,000	2,835
Pre-tax net operating income	$2,456,000	2,707
Securities gains (losses)	$200,000	877
Applicable income taxes	$851,000	1,793
Income before extraordinary items	$1,805,000	2,969
Extraordinary gains, net	$0	5
Net income	$1,805,000	2,968
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,805,000	2,968
Net charge-offs	$528,000	1,045
Cash dividends	$1,620,000	1,625
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,669,000	3,040
2016-09-30 (YTD Data)		Rank
Total interest income	$5,626,000	2,995
Total interest expense	$168,000	4,888
Net interest income	$5,458,000	2,805
Provision for loan and lease losses	$6,000	4,096
Total noninterest income	$1,190,000	2,416
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$679,000	1,311
Trading account gains and fees	$0	169
Additional Noninterest Income	$511,000	2,876
Total noninterest expense	$4,898,000	2,686
Salaries and employee benefits	$2,807,000	2,610
Premises and equipment expense	$572,000	2,584
Additional noninterest expense	$1,519,000	2,737
Pre-tax net operating income	$1,744,000	2,845
Securities gains (losses)	$163,000	922
Applicable income taxes	$647,000	1,831
Income before extraordinary items	$1,260,000	3,113
Extraordinary gains, net	$0	5
Net income	$1,260,000	3,113
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,260,000	3,113
Net charge-offs	$33,000	2,844
Cash dividends	$1,215,000	1,474
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,152,420	3,215
2016-06-30 (YTD Data)		Rank
Total interest income	$3,711,000	3,020
Total interest expense	$114,000	4,910
Net interest income	$3,597,000	2,844
Provision for loan and lease losses	$-5,000	5,747
Total noninterest income	$785,000	2,414
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$444,000	1,319
Trading account gains and fees	$0	157
Additional Noninterest Income	$341,000	2,864
Total noninterest expense	$3,234,000	2,709
Salaries and employee benefits	$1,849,000	2,659
Premises and equipment expense	$382,000	2,599
Additional noninterest expense	$1,003,000	2,765
Pre-tax net operating income	$1,153,000	2,826
Securities gains (losses)	$122,000	840
Applicable income taxes	$436,000	1,799
Income before extraordinary items	$839,000	3,102
Extraordinary gains, net	$0	16
Net income	$839,000	3,101
Minority interest net income	$0	71
Net income of bank and minority interests.	$839,000	3,101
Net charge-offs	$25,000	2,619
Cash dividends	$810,000	1,488
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$758,480	3,219
2016-03-31 (YTD Data)		Rank
Total interest income	$1,843,000	3,051
Total interest expense	$60,000	4,887
Net interest income	$1,783,000	2,863
Provision for loan and lease losses	$1,000	3,622
Total noninterest income	$383,000	2,411
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$217,000	1,336
Trading account gains and fees	$0	142
Additional Noninterest Income	$166,000	2,855
Total noninterest expense	$1,650,000	2,678
Salaries and employee benefits	$922,000	2,659
Premises and equipment expense	$204,000	2,511
Additional noninterest expense	$524,000	2,678
Pre-tax net operating income	$515,000	2,992
Securities gains (losses)	$69,000	681
Applicable income taxes	$199,000	1,846
Income before extraordinary items	$385,000	3,201
Extraordinary gains, net	$0	12
Net income	$385,000	3,199
Minority interest net income	$0	62
Net income of bank and minority interests.	$385,000	3,200
Net charge-offs	$21,000	1,949
Cash dividends	$405,000	1,359
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$339,460	3,356
2015-12-31 (YTD Data)		Rank
Total interest income	$7,322,000	3,008
Total interest expense	$284,000	4,711
Net interest income	$7,038,000	2,853
Provision for loan and lease losses	$24,000	3,983
Total noninterest income	$1,668,000	2,350
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$997,000	1,227
Trading account gains and fees	$0	159
Additional Noninterest Income	$671,000	2,898
Total noninterest expense	$6,141,000	2,819
Salaries and employee benefits	$3,562,000	2,707
Premises and equipment expense	$769,000	2,637
Additional noninterest expense	$1,810,000	2,998
Pre-tax net operating income	$2,541,000	2,594
Securities gains (losses)	$126,000	1,029
Applicable income taxes	$894,000	1,688
Income before extraordinary items	$1,773,000	2,939
Extraordinary gains, net	$0	23
Net income	$1,773,000	2,941
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,773,000	2,941
Net charge-offs	$52,000	3,211
Cash dividends	$1,620,000	1,559
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,689,840	2,975
2015-09-30 (YTD Data)		Rank
Total interest income	$5,463,000	3,052
Total interest expense	$216,000	4,759
Net interest income	$5,247,000	2,880
Provision for loan and lease losses	$17,000	3,881
Total noninterest income	$1,210,000	2,412
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$739,000	1,249
Trading account gains and fees	$0	153
Additional Noninterest Income	$471,000	2,987
Total noninterest expense	$4,624,000	2,821
Salaries and employee benefits	$2,665,000	2,714
Premises and equipment expense	$590,000	2,626
Additional noninterest expense	$1,369,000	2,995
Pre-tax net operating income	$1,816,000	2,738
Securities gains (losses)	$52,000	1,436
Applicable income taxes	$625,000	1,812
Income before extraordinary items	$1,243,000	3,111
Extraordinary gains, net	$0	21
Net income	$1,243,000	3,111
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,243,000	3,112
Net charge-offs	$142,000	1,845
Cash dividends	$1,215,000	1,403
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,208,160	3,109
2015-06-30 (YTD Data)		Rank
Total interest income	$3,604,000	3,075
Total interest expense	$147,000	4,767
Net interest income	$3,457,000	2,902
Provision for loan and lease losses	$4,000	3,959
Total noninterest income	$792,000	2,434
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$480,000	1,256
Trading account gains and fees	$0	157
Additional Noninterest Income	$312,000	3,019
Total noninterest expense	$3,042,000	2,861
Salaries and employee benefits	$1,738,000	2,778
Premises and equipment expense	$398,000	2,611
Additional noninterest expense	$906,000	3,028
Pre-tax net operating income	$1,203,000	2,731
Securities gains (losses)	$34,000	1,433
Applicable income taxes	$411,000	1,826
Income before extraordinary items	$826,000	3,105
Extraordinary gains, net	$0	22
Net income	$826,000	3,105
Minority interest net income	$0	75
Net income of bank and minority interests.	$826,000	3,106
Net charge-offs	$14,000	3,124
Cash dividends	$810,000	1,437
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$803,220	3,091
2015-03-31 (YTD Data)		Rank
Total interest income	$1,787,000	3,107
Total interest expense	$74,000	4,806
Net interest income	$1,713,000	2,931
Provision for loan and lease losses	$1,000	3,650
Total noninterest income	$395,000	2,416
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$243,000	1,215
Trading account gains and fees	$0	152
Additional Noninterest Income	$152,000	3,001
Total noninterest expense	$1,564,000	2,817
Salaries and employee benefits	$871,000	2,794
Premises and equipment expense	$212,000	2,529
Additional noninterest expense	$481,000	2,873
Pre-tax net operating income	$543,000	2,873
Securities gains (losses)	$33,000	1,027
Applicable income taxes	$196,000	1,842
Income before extraordinary items	$380,000	3,225
Extraordinary gains, net	$0	13
Net income	$380,000	3,228
Minority interest net income	$0	64
Net income of bank and minority interests.	$380,000	3,228
Net charge-offs	$12,000	2,395
Cash dividends	$405,000	1,284
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$358,220	3,250
2014-12-31 (YTD Data)		Rank
Total interest income	$7,312,000	3,085
Total interest expense	$338,000	4,751
Net interest income	$6,974,000	2,899
Provision for loan and lease losses	$25,000	4,136
Total noninterest income	$1,727,000	2,320
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,068,000	1,216
Trading account gains and fees	$0	180
Additional Noninterest Income	$659,000	2,912
Total noninterest expense	$5,791,000	2,993
Salaries and employee benefits	$3,312,000	2,879
Premises and equipment expense	$794,000	2,683
Additional noninterest expense	$1,685,000	3,268
Pre-tax net operating income	$2,885,000	2,333
Securities gains (losses)	$1,000	3,149
Applicable income taxes	$966,000	1,580
Income before extraordinary items	$1,920,000	2,774
Extraordinary gains, net	$0	17
Net income	$1,920,000	2,772
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,920,000	2,774
Net charge-offs	$-75,000	6,085
Cash dividends	$1,630,000	1,477
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,919,330	2,730
2014-09-30 (YTD Data)		Rank
Total interest income	$5,494,000	3,093
Total interest expense	$259,000	4,790
Net interest income	$5,235,000	2,925
Provision for loan and lease losses	$20,000	3,930
Total noninterest income	$1,285,000	2,332
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$795,000	1,236
Trading account gains and fees	$0	174
Additional Noninterest Income	$490,000	2,936
Total noninterest expense	$4,386,000	2,984
Salaries and employee benefits	$2,496,000	2,876
Premises and equipment expense	$606,000	2,674
Additional noninterest expense	$1,284,000	3,239
Pre-tax net operating income	$2,114,000	2,427
Securities gains (losses)	$1,000	2,871
Applicable income taxes	$710,000	1,628
Income before extraordinary items	$1,405,000	2,855
Extraordinary gains, net	$0	15
Net income	$1,405,000	2,856
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,405,000	2,856
Net charge-offs	$-80,000	6,161
Cash dividends	$1,225,000	1,337
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,404,340	2,807
2014-06-30 (YTD Data)		Rank
Total interest income	$3,682,000	3,084
Total interest expense	$174,000	4,829
Net interest income	$3,508,000	2,911
Provision for loan and lease losses	$11,000	3,880
Total noninterest income	$855,000	2,317
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$527,000	1,224
Trading account gains and fees	$0	172
Additional Noninterest Income	$328,000	2,914
Total noninterest expense	$2,953,000	2,973
Salaries and employee benefits	$1,685,000	2,863
Premises and equipment expense	$403,000	2,697
Additional noninterest expense	$865,000	3,218
Pre-tax net operating income	$1,399,000	2,378
Securities gains (losses)	$1,000	2,460
Applicable income taxes	$475,000	1,586
Income before extraordinary items	$925,000	2,804
Extraordinary gains, net	$0	20
Net income	$925,000	2,808
Minority interest net income	$0	80
Net income of bank and minority interests.	$925,000	2,808
Net charge-offs	$-92,000	6,299
Cash dividends	$820,000	1,345
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$924,340	2,755
2014-03-31 (YTD Data)		Rank
Total interest income	$1,851,000	3,088
Total interest expense	$91,000	4,815
Net interest income	$1,760,000	2,912
Provision for loan and lease losses	$6,000	3,525
Total noninterest income	$423,000	2,284
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$261,000	1,218
Trading account gains and fees	$0	147
Additional Noninterest Income	$162,000	2,858
Total noninterest expense	$1,486,000	2,983
Salaries and employee benefits	$860,000	2,836
Premises and equipment expense	$196,000	2,796
Additional noninterest expense	$430,000	3,240
Pre-tax net operating income	$691,000	2,340
Securities gains (losses)	$1,000	1,605
Applicable income taxes	$235,000	1,564
Income before extraordinary items	$457,000	2,750
Extraordinary gains, net	$0	16
Net income	$457,000	2,753
Minority interest net income	$0	66
Net income of bank and minority interests.	$457,000	2,753
Net charge-offs	$-89,000	6,450
Cash dividends	$415,000	1,182
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$456,340	2,708
2013-12-31 (YTD Data)		Rank
Total interest income	$7,416,000	3,115
Total interest expense	$438,000	4,726
Net interest income	$6,978,000	2,912
Provision for loan and lease losses	$1,022,000	1,074
Total noninterest income	$1,837,000	2,275
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,125,000	1,209
Trading account gains and fees	$0	184
Additional Noninterest Income	$712,000	2,842
Total noninterest expense	$6,286,000	2,877
Salaries and employee benefits	$3,742,000	2,636
Premises and equipment expense	$764,000	2,790
Additional noninterest expense	$1,780,000	3,233
Pre-tax net operating income	$1,507,000	3,389
Securities gains (losses)	$23,000	2,279
Applicable income taxes	$501,000	2,155
Income before extraordinary items	$1,029,000	3,835
Extraordinary gains, net	$0	29
Net income	$1,029,000	3,838
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,029,000	3,839
Net charge-offs	$967,000	1,301
Cash dividends	$1,630,000	1,401
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,013,590	3,814
2013-09-30 (YTD Data)		Rank
Total interest income	$5,568,000	3,127
Total interest expense	$342,000	4,747
Net interest income	$5,226,000	2,930
Provision for loan and lease losses	$951,000	919
Total noninterest income	$1,365,000	2,323
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$833,000	1,234
Trading account gains and fees	$0	180
Additional Noninterest Income	$532,000	2,926
Total noninterest expense	$4,761,000	2,864
Salaries and employee benefits	$2,828,000	2,617
Premises and equipment expense	$561,000	2,861
Additional noninterest expense	$1,372,000	3,177
Pre-tax net operating income	$879,000	3,899
Securities gains (losses)	$23,000	2,149
Applicable income taxes	$299,000	2,437
Income before extraordinary items	$603,000	4,301
Extraordinary gains, net	$0	25
Net income	$603,000	4,304
Minority interest net income	$0	84
Net income of bank and minority interests.	$603,000	4,305
Net charge-offs	$954,000	1,034
Cash dividends	$1,225,000	1,245
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$587,590	4,268
2013-06-30 (YTD Data)		Rank
Total interest income	$3,655,000	3,178
Total interest expense	$234,000	4,754
Net interest income	$3,421,000	2,973
Provision for loan and lease losses	$884,000	741
Total noninterest income	$903,000	2,369
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$542,000	1,239
Trading account gains and fees	$0	157
Additional Noninterest Income	$361,000	2,940
Total noninterest expense	$3,188,000	2,852
Salaries and employee benefits	$1,878,000	2,644
Premises and equipment expense	$369,000	2,893
Additional noninterest expense	$941,000	3,104
Pre-tax net operating income	$252,000	5,056
Securities gains (losses)	$23,000	1,940
Applicable income taxes	$86,000	3,115
Income before extraordinary items	$189,000	5,332
Extraordinary gains, net	$0	22
Net income	$189,000	5,335
Minority interest net income	$0	82
Net income of bank and minority interests.	$189,000	5,335
Net charge-offs	$899,000	832
Cash dividends	$820,000	1,264
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$173,130	5,296
2013-03-31 (YTD Data)		Rank
Total interest income	$1,812,000	3,221
Total interest expense	$121,000	4,765
Net interest income	$1,691,000	3,006
Provision for loan and lease losses	$64,000	2,555
Total noninterest income	$438,000	2,426
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$264,000	1,261
Trading account gains and fees	$0	148
Additional Noninterest Income	$174,000	2,969
Total noninterest expense	$1,585,000	2,892
Salaries and employee benefits	$946,000	2,645
Premises and equipment expense	$174,000	3,031
Additional noninterest expense	$465,000	3,143
Pre-tax net operating income	$480,000	2,951
Securities gains (losses)	$0	1,966
Applicable income taxes	$163,000	1,917
Income before extraordinary items	$317,000	3,467
Extraordinary gains, net	$0	10
Net income	$317,000	3,467
Minority interest net income	$0	76
Net income of bank and minority interests.	$317,000	3,469
Net charge-offs	$20,000	3,086
Cash dividends	$415,000	1,070
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$317,000	3,371
2012-12-31 (YTD Data)		Rank
Total interest income	$7,545,000	3,263
Total interest expense	$584,000	4,809
Net interest income	$6,961,000	2,991
Provision for loan and lease losses	$276,000	3,514
Total noninterest income	$1,981,000	2,198
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$1,237,000	1,150
Trading account gains and fees	$0	166
Additional Noninterest Income	$744,000	2,805
Total noninterest expense	$5,993,000	3,039
Salaries and employee benefits	$3,447,000	2,829
Premises and equipment expense	$778,000	2,801
Additional noninterest expense	$1,768,000	3,384
Pre-tax net operating income	$2,673,000	2,294
Securities gains (losses)	$99,000	2,279
Applicable income taxes	$944,000	1,525
Income before extraordinary items	$1,828,000	2,750
Extraordinary gains, net	$0	29
Net income	$1,828,000	2,753
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,828,000	2,752
Net charge-offs	$91,000	4,497
Cash dividends	$1,630,000	1,398
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,762,660	2,705
2012-09-30 (YTD Data)		Rank
Total interest income	$5,658,000	3,333
Total interest expense	$449,000	4,887
Net interest income	$5,209,000	3,047
Provision for loan and lease losses	$200,000	3,508
Total noninterest income	$1,467,000	2,206
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$911,000	1,176
Trading account gains and fees	$0	157
Additional Noninterest Income	$556,000	2,779
Total noninterest expense	$4,516,000	3,039
Salaries and employee benefits	$2,593,000	2,827
Premises and equipment expense	$578,000	2,854
Additional noninterest expense	$1,345,000	3,382
Pre-tax net operating income	$1,960,000	2,396
Securities gains (losses)	$44,000	2,510
Applicable income taxes	$683,000	1,610
Income before extraordinary items	$1,321,000	2,881
Extraordinary gains, net	$0	20
Net income	$1,321,000	2,881
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,321,000	2,880
Net charge-offs	$75,000	4,232
Cash dividends	$1,225,000	1,155
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,291,960	2,782
2012-06-30 (YTD Data)		Rank
Total interest income	$3,755,000	3,361
Total interest expense	$306,000	4,937
Net interest income	$3,449,000	3,080
Provision for loan and lease losses	$137,000	3,486
Total noninterest income	$940,000	2,250
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$597,000	1,180
Trading account gains and fees	$0	153
Additional Noninterest Income	$343,000	2,878
Total noninterest expense	$3,010,000	3,054
Salaries and employee benefits	$1,740,000	2,818
Premises and equipment expense	$373,000	2,929
Additional noninterest expense	$897,000	3,392
Pre-tax net operating income	$1,242,000	2,459
Securities gains (losses)	$44,000	2,133
Applicable income taxes	$438,000	1,631
Income before extraordinary items	$848,000	2,918
Extraordinary gains, net	$0	19
Net income	$848,000	2,918
Minority interest net income	$0	84
Net income of bank and minority interests.	$848,000	2,918
Net charge-offs	$68,000	3,763
Cash dividends	$820,000	1,138
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$818,960	2,847
2012-03-31 (YTD Data)		Rank
Total interest income	$1,870,000	3,391
Total interest expense	$158,000	4,987
Net interest income	$1,712,000	3,106
Provision for loan and lease losses	$62,000	3,422
Total noninterest income	$459,000	2,282
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$288,000	1,225
Trading account gains and fees	$0	148
Additional Noninterest Income	$171,000	2,876
Total noninterest expense	$1,500,000	3,057
Salaries and employee benefits	$880,000	2,798
Premises and equipment expense	$183,000	2,991
Additional noninterest expense	$437,000	3,436
Pre-tax net operating income	$609,000	2,502
Securities gains (losses)	$2,000	2,023
Applicable income taxes	$208,000	1,681
Income before extraordinary items	$403,000	3,043
Extraordinary gains, net	$0	19
Net income	$403,000	3,046
Minority interest net income	$0	78
Net income of bank and minority interests.	$403,000	3,047
Net charge-offs	$-5,000	6,379
Cash dividends	$415,000	1,002
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$401,680	2,904
2011-12-31 (YTD Data)		Rank
Total interest income	$7,753,000	3,411
Total interest expense	$781,000	4,969
Net interest income	$6,972,000	3,081
Provision for loan and lease losses	$216,000	4,547
Total noninterest income	$1,948,000	2,041
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$1,281,000	1,146
Trading account gains and fees	$0	146
Additional Noninterest Income	$667,000	2,708
Total noninterest expense	$6,065,000	3,032
Salaries and employee benefits	$3,607,000	2,676
Premises and equipment expense	$728,000	3,101
Additional noninterest expense	$1,730,000	3,519
Pre-tax net operating income	$2,639,000	2,048
Securities gains (losses)	$72,000	2,311
Applicable income taxes	$927,000	1,415
Income before extraordinary items	$1,784,000	2,466
Extraordinary gains, net	$0	29
Net income	$1,784,000	2,466
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,784,000	2,467
Net charge-offs	$74,000	5,220
Cash dividends	$1,625,000	1,147
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,736,480	2,433
2011-09-30 (YTD Data)		Rank
Total interest income	$5,821,000	3,449
Total interest expense	$611,000	5,003
Net interest income	$5,210,000	3,102
Provision for loan and lease losses	$160,000	4,413
Total noninterest income	$1,415,000	2,086
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$937,000	1,180
Trading account gains and fees	$0	145
Additional Noninterest Income	$478,000	2,769
Total noninterest expense	$4,574,000	3,012
Salaries and employee benefits	$2,715,000	2,664
Premises and equipment expense	$547,000	3,139
Additional noninterest expense	$1,312,000	3,473
Pre-tax net operating income	$1,891,000	2,175
Securities gains (losses)	$54,000	2,286
Applicable income taxes	$660,000	1,480
Income before extraordinary items	$1,285,000	2,598
Extraordinary gains, net	$0	21
Net income	$1,285,000	2,600
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,285,000	2,600
Net charge-offs	$30,000	5,320
Cash dividends	$1,220,000	986
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,249,360	2,550
2011-06-30 (YTD Data)		Rank
Total interest income	$3,881,000	3,480
Total interest expense	$425,000	5,018
Net interest income	$3,456,000	3,123
Provision for loan and lease losses	$100,000	4,367
Total noninterest income	$903,000	2,142
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$585,000	1,242
Trading account gains and fees	$0	153
Additional Noninterest Income	$318,000	2,781
Total noninterest expense	$3,087,000	3,020
Salaries and employee benefits	$1,836,000	2,627
Premises and equipment expense	$362,000	3,173
Additional noninterest expense	$889,000	3,489
Pre-tax net operating income	$1,172,000	2,273
Securities gains (losses)	$14,000	2,241
Applicable income taxes	$402,000	1,516
Income before extraordinary items	$784,000	2,704
Extraordinary gains, net	$0	15
Net income	$784,000	2,704
Minority interest net income	$0	89
Net income of bank and minority interests.	$784,000	2,704
Net charge-offs	$24,000	4,955
Cash dividends	$815,000	963
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$774,760	2,643
2011-03-31 (YTD Data)		Rank
Total interest income	$1,933,000	3,509
Total interest expense	$222,000	5,019
Net interest income	$1,711,000	3,138
Provision for loan and lease losses	$44,000	4,356
Total noninterest income	$412,000	2,305
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$262,000	1,366
Trading account gains and fees	$0	158
Additional Noninterest Income	$150,000	2,897
Total noninterest expense	$1,550,000	3,019
Salaries and employee benefits	$938,000	2,582
Premises and equipment expense	$181,000	3,225
Additional noninterest expense	$431,000	3,551
Pre-tax net operating income	$529,000	2,461
Securities gains (losses)	$0	1,772
Applicable income taxes	$178,000	1,622
Income before extraordinary items	$351,000	2,927
Extraordinary gains, net	$0	9
Net income	$351,000	2,926
Minority interest net income	$0	86
Net income of bank and minority interests.	$351,000	2,927
Net charge-offs	$4,000	4,727
Cash dividends	$410,000	872
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$351,000	2,874
2010-12-31 (YTD Data)		Rank
Total interest income	$7,892,000	3,592
Total interest expense	$1,035,000	5,139
Net interest income	$6,857,000	3,119
Provision for loan and lease losses	$96,000	6,064
Total noninterest income	$1,766,000	2,259
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,183,000	1,270
Trading account gains and fees	$0	175
Additional Noninterest Income	$583,000	2,965
Total noninterest expense	$5,838,000	3,184
Salaries and employee benefits	$3,467,000	2,759
Premises and equipment expense	$713,000	3,250
Additional noninterest expense	$1,658,000	3,738
Pre-tax net operating income	$2,689,000	1,787
Securities gains (losses)	$0	3,793
Applicable income taxes	$920,000	1,309
Income before extraordinary items	$1,769,000	2,230
Extraordinary gains, net	$0	29
Net income	$1,769,000	2,231
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,769,000	2,232
Net charge-offs	$112,000	5,329
Cash dividends	$1,630,000	988
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,769,000	2,142
2010-09-30 (YTD Data)		Rank
Total interest income	$5,912,000	3,666
Total interest expense	$786,000	5,270
Net interest income	$5,126,000	3,174
Provision for loan and lease losses	$64,000	6,079
Total noninterest income	$1,347,000	2,252
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$908,000	1,277
Trading account gains and fees	$0	165
Additional Noninterest Income	$439,000	2,968
Total noninterest expense	$4,229,000	3,274
Salaries and employee benefits	$2,464,000	2,890
Premises and equipment expense	$535,000	3,294
Additional noninterest expense	$1,230,000	3,739
Pre-tax net operating income	$2,180,000	1,783
Securities gains (losses)	$0	3,651
Applicable income taxes	$742,000	1,276
Income before extraordinary items	$1,438,000	2,219
Extraordinary gains, net	$0	23
Net income	$1,438,000	2,220
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,438,000	2,222
Net charge-offs	$107,000	4,839
Cash dividends	$1,225,000	886
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,438,000	2,122
2010-06-30 (YTD Data)		Rank
Total interest income	$3,921,000	3,707
Total interest expense	$521,000	5,386
Net interest income	$3,400,000	3,167
Provision for loan and lease losses	$26,000	6,289
Total noninterest income	$909,000	2,172
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$622,000	1,254
Trading account gains and fees	$0	152
Additional Noninterest Income	$287,000	2,910
Total noninterest expense	$2,829,000	3,263
Salaries and employee benefits	$1,652,000	2,888
Premises and equipment expense	$360,000	3,293
Additional noninterest expense	$817,000	3,744
Pre-tax net operating income	$1,454,000	1,765
Securities gains (losses)	$0	3,184
Applicable income taxes	$495,000	1,223
Income before extraordinary items	$959,000	2,191
Extraordinary gains, net	$0	19
Net income	$959,000	2,190
Minority interest net income	$0	105
Net income of bank and minority interests.	$959,000	2,193
Net charge-offs	$98,000	4,281
Cash dividends	$820,000	866
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$959,000	2,114
2010-03-31 (YTD Data)		Rank
Total interest income	$1,941,000	3,791
Total interest expense	$262,000	5,508
Net interest income	$1,679,000	3,243
Provision for loan and lease losses	$5,000	6,354
Total noninterest income	$439,000	2,224
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$309,000	1,265
Trading account gains and fees	$0	175
Additional Noninterest Income	$130,000	3,077
Total noninterest expense	$1,421,000	3,283
Salaries and employee benefits	$834,000	2,910
Premises and equipment expense	$186,000	3,314
Additional noninterest expense	$401,000	3,791
Pre-tax net operating income	$692,000	1,845
Securities gains (losses)	$0	2,284
Applicable income taxes	$236,000	1,260
Income before extraordinary items	$456,000	2,298
Extraordinary gains, net	$0	16
Net income	$456,000	2,297
Minority interest net income	$0	91
Net income of bank and minority interests.	$456,000	2,298
Net charge-offs	$69,000	3,452
Cash dividends	$405,000	823
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$456,000	2,217
2009-12-31 (YTD Data)		Rank
Total interest income	$7,971,000	3,829
Total interest expense	$1,312,000	5,467
Net interest income	$6,659,000	3,176
Provision for loan and lease losses	$30,000	7,048
Total noninterest income	$1,933,000	2,168
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,419,000	1,212
Trading account gains and fees	$0	211
Additional Noninterest Income	$514,000	3,157
Total noninterest expense	$5,730,000	3,289
Salaries and employee benefits	$3,370,000	2,882
Premises and equipment expense	$698,000	3,465
Additional noninterest expense	$1,662,000	3,805
Pre-tax net operating income	$2,832,000	1,413
Securities gains (losses)	$61,000	2,500
Applicable income taxes	$988,000	970
Income before extraordinary items	$1,905,000	1,759
Extraordinary gains, net	$0	34
Net income	$1,905,000	1,758
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,905,000	1,759
Net charge-offs	$47,000	6,243
Cash dividends	$1,625,000	1,109
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,864,740	1,749
2009-09-30 (YTD Data)		Rank
Total interest income	$5,983,000	3,877
Total interest expense	$1,028,000	5,494
Net interest income	$4,955,000	3,216
Provision for loan and lease losses	$30,000	6,781
Total noninterest income	$1,418,000	2,251
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$1,038,000	1,244
Trading account gains and fees	$0	212
Additional Noninterest Income	$380,000	3,274
Total noninterest expense	$4,413,000	3,240
Salaries and employee benefits	$2,605,000	2,829
Premises and equipment expense	$503,000	3,608
Additional noninterest expense	$1,305,000	3,648
Pre-tax net operating income	$1,930,000	1,678
Securities gains (losses)	$31,000	2,538
Applicable income taxes	$667,000	1,129
Income before extraordinary items	$1,294,000	2,047
Extraordinary gains, net	$0	27
Net income	$1,294,000	2,046
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,294,000	2,047
Net charge-offs	$42,000	5,803
Cash dividends	$1,220,000	1,047
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,273,540	2,033
2009-06-30 (YTD Data)		Rank
Total interest income	$4,021,000	3,889
Total interest expense	$728,000	5,483
Net interest income	$3,293,000	3,204
Provision for loan and lease losses	$30,000	6,428
Total noninterest income	$895,000	2,353
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$644,000	1,316
Trading account gains and fees	$0	193
Additional Noninterest Income	$251,000	3,297
Total noninterest expense	$2,911,000	3,295
Salaries and employee benefits	$1,753,000	2,840
Premises and equipment expense	$327,000	3,693
Additional noninterest expense	$831,000	3,773
Pre-tax net operating income	$1,247,000	1,772
Securities gains (losses)	$2,000	2,937
Applicable income taxes	$425,000	1,216
Income before extraordinary items	$824,000	2,195
Extraordinary gains, net	$0	21
Net income	$824,000	2,193
Minority interest net income	$0	112
Net income of bank and minority interests.	$824,000	2,194
Net charge-offs	$11,000	5,942
Cash dividends	$815,000	1,111
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$822,680	2,130
2009-03-31 (YTD Data)		Rank
Total interest income	$2,025,000	3,905
Total interest expense	$402,000	5,378
Net interest income	$1,623,000	3,226
Provision for loan and lease losses	$30,000	5,394
Total noninterest income	$429,000	2,379
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$313,000	1,315
Trading account gains and fees	$0	171
Additional Noninterest Income	$116,000	3,420
Total noninterest expense	$1,444,000	3,240
Salaries and employee benefits	$904,000	2,793
Premises and equipment expense	$155,000	3,877
Additional noninterest expense	$385,000	3,688
Pre-tax net operating income	$578,000	2,109
Securities gains (losses)	$2,000	2,230
Applicable income taxes	$197,000	1,477
Income before extraordinary items	$383,000	2,651
Extraordinary gains, net	$0	15
Net income	$383,000	2,650
Minority interest net income	$0	102
Net income of bank and minority interests.	$383,000	2,652
Net charge-offs	$-1,000	7,151
Cash dividends	$410,000	1,055
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$381,680	2,520
2008-12-31 (YTD Data)		Rank
Total interest income	$8,979,000	3,806
Total interest expense	$2,148,000	5,131
Net interest income	$6,831,000	3,126
Provision for loan and lease losses	$0	7,334
Total noninterest income	$1,863,000	2,251
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,392,000	1,291
Trading account gains and fees	$0	154
Additional Noninterest Income	$471,000	3,279
Total noninterest expense	$5,370,000	3,370
Salaries and employee benefits	$3,214,000	3,063
Premises and equipment expense	$621,000	3,835
Additional noninterest expense	$1,535,000	3,560
Pre-tax net operating income	$3,324,000	1,636
Securities gains (losses)	$4,000	2,823
Applicable income taxes	$1,128,000	1,087
Income before extraordinary items	$2,200,000	1,821
Extraordinary gains, net	$0	39
Net income	$2,200,000	1,823
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,961
Cash dividends	$2,815,000	979
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,197,360	1,944
2008-09-30 (YTD Data)		Rank
Total interest income	$6,839,000	3,832
Total interest expense	$1,671,000	5,164
Net interest income	$5,168,000	3,119
Provision for loan and lease losses	$0	6,991
Total noninterest income	$1,360,000	2,366
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$1,009,000	1,345
Trading account gains and fees	$0	148
Additional Noninterest Income	$351,000	3,406
Total noninterest expense	$3,976,000	3,398
Salaries and employee benefits	$2,393,000	3,110
Premises and equipment expense	$472,000	3,793
Additional noninterest expense	$1,111,000	3,585
Pre-tax net operating income	$2,552,000	1,892
Securities gains (losses)	$3,000	2,756
Applicable income taxes	$868,000	1,293
Income before extraordinary items	$1,687,000	2,089
Extraordinary gains, net	$0	31
Net income	$1,687,000	2,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,694
Cash dividends	$2,410,000	867
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,685,020	2,193
2008-06-30 (YTD Data)		Rank
Total interest income	$4,647,000	3,837
Total interest expense	$1,161,000	5,209
Net interest income	$3,486,000	3,066
Provision for loan and lease losses	$0	6,671
Total noninterest income	$879,000	2,455
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$649,000	1,379
Trading account gains and fees	$0	149
Additional Noninterest Income	$230,000	3,496
Total noninterest expense	$2,618,000	3,440
Salaries and employee benefits	$1,568,000	3,202
Premises and equipment expense	$309,000	3,879
Additional noninterest expense	$741,000	3,561
Pre-tax net operating income	$1,747,000	1,911
Securities gains (losses)	$3,000	2,869
Applicable income taxes	$595,000	1,402
Income before extraordinary items	$1,155,000	2,285
Extraordinary gains, net	$0	21
Net income	$1,155,000	2,285
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,124
Cash dividends	$2,005,000	771
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,153,020	2,240
2008-03-31 (YTD Data)		Rank
Total interest income	$2,406,000	3,812
Total interest expense	$614,000	5,212
Net interest income	$1,792,000	2,991
Provision for loan and lease losses	$0	6,080
Total noninterest income	$424,000	2,505
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$307,000	1,426
Trading account gains and fees	$0	158
Additional Noninterest Income	$117,000	3,478
Total noninterest expense	$1,308,000	3,463
Salaries and employee benefits	$792,000	3,192
Premises and equipment expense	$153,000	3,924
Additional noninterest expense	$363,000	3,562
Pre-tax net operating income	$908,000	1,953
Securities gains (losses)	$3,000	2,367
Applicable income taxes	$309,000	1,443
Income before extraordinary items	$602,000	2,306
Extraordinary gains, net	$0	15
Net income	$602,000	2,308
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,346
Cash dividends	$605,000	1,160
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$600,020	2,242
2007-12-31 (YTD Data)		Rank
Total interest income	$10,407,000	3,676
Total interest expense	$2,500,000	5,267
Net interest income	$7,907,000	2,755
Provision for loan and lease losses	$0	6,851
Total noninterest income	$1,793,000	2,394
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,362,000	1,307
Trading account gains and fees	$0	178
Additional Noninterest Income	$431,000	3,590
Total noninterest expense	$5,324,000	3,288
Salaries and employee benefits	$3,132,000	3,115
Premises and equipment expense	$709,000	3,410
Additional noninterest expense	$1,483,000	3,447
Pre-tax net operating income	$4,376,000	1,844
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,491,000	1,423
Income before extraordinary items	$2,885,000	2,106
Extraordinary gains, net	$0	39
Net income	$2,885,000	2,106
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	4,768
Cash dividends	$2,825,000	1,252
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,885,000	2,092
2007-09-30 (YTD Data)		Rank
Total interest income	$7,797,000	3,680
Total interest expense	$1,853,000	5,306
Net interest income	$5,944,000	2,749
Provision for loan and lease losses	$0	6,528
Total noninterest income	$1,297,000	2,451
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$988,000	1,331
Trading account gains and fees	$0	184
Additional Noninterest Income	$309,000	3,681
Total noninterest expense	$3,986,000	3,251
Salaries and employee benefits	$2,367,000	3,073
Premises and equipment expense	$537,000	3,361
Additional noninterest expense	$1,082,000	3,479
Pre-tax net operating income	$3,255,000	1,965
Securities gains (losses)	$0	1,655
Applicable income taxes	$1,107,000	1,529
Income before extraordinary items	$2,148,000	2,246
Extraordinary gains, net	$0	33
Net income	$2,148,000	2,244
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,266
Cash dividends	$2,415,000	1,054
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,148,000	2,231
2007-06-30 (YTD Data)		Rank
Total interest income	$5,183,000	3,695
Total interest expense	$1,209,000	5,359
Net interest income	$3,974,000	2,768
Provision for loan and lease losses	$0	6,209
Total noninterest income	$826,000	2,550
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$629,000	1,400
Trading account gains and fees	$0	168
Additional Noninterest Income	$197,000	3,806
Total noninterest expense	$2,645,000	3,299
Salaries and employee benefits	$1,584,000	3,100
Premises and equipment expense	$358,000	3,368
Additional noninterest expense	$703,000	3,552
Pre-tax net operating income	$2,155,000	2,035
Securities gains (losses)	$0	1,444
Applicable income taxes	$732,000	1,598
Income before extraordinary items	$1,423,000	2,299
Extraordinary gains, net	$0	29
Net income	$1,423,000	2,298
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	4,113
Cash dividends	$2,010,000	865
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,423,000	2,280
2007-03-31 (YTD Data)		Rank
Total interest income	$2,559,000	3,719
Total interest expense	$588,000	5,438
Net interest income	$1,971,000	2,797
Provision for loan and lease losses	$0	5,779
Total noninterest income	$384,000	2,634
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$296,000	1,449
Trading account gains and fees	$0	195
Additional Noninterest Income	$88,000	4,018
Total noninterest expense	$1,310,000	3,334
Salaries and employee benefits	$796,000	3,099
Premises and equipment expense	$178,000	3,422
Additional noninterest expense	$336,000	3,639
Pre-tax net operating income	$1,045,000	2,089
Securities gains (losses)	$0	1,187
Applicable income taxes	$354,000	1,651
Income before extraordinary items	$691,000	2,351
Extraordinary gains, net	$0	22
Net income	$691,000	2,350
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$605,000	1,209
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$691,000	2,336
2006-12-31 (YTD Data)		Rank
Total interest income	$9,675,000	3,677
Total interest expense	$1,905,000	5,535
Net interest income	$7,770,000	2,826
Provision for loan and lease losses	$140,000	4,163
Total noninterest income	$1,567,000	2,629
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,234,000	1,457
Trading account gains and fees	$0	130
Additional Noninterest Income	$333,000	4,097
Total noninterest expense	$4,938,000	3,385
Salaries and employee benefits	$2,921,000	3,204
Premises and equipment expense	$660,000	3,492
Additional noninterest expense	$1,357,000	3,574
Pre-tax net operating income	$4,259,000	2,153
Securities gains (losses)	$0	1,687
Applicable income taxes	$1,451,000	1,718
Income before extraordinary items	$2,808,000	2,387
Extraordinary gains, net	$0	51
Net income	$2,808,000	2,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	2,997
Cash dividends	$2,600,000	1,254
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,808,000	2,367
2006-09-30 (YTD Data)		Rank
Total interest income	$7,123,000	3,696
Total interest expense	$1,330,000	5,649
Net interest income	$5,793,000	2,869
Provision for loan and lease losses	$140,000	3,511
Total noninterest income	$1,145,000	2,681
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$904,000	1,497
Trading account gains and fees	$0	126
Additional Noninterest Income	$241,000	4,157
Total noninterest expense	$3,666,000	3,403
Salaries and employee benefits	$2,181,000	3,219
Premises and equipment expense	$485,000	3,552
Additional noninterest expense	$1,000,000	3,606
Pre-tax net operating income	$3,132,000	2,260
Securities gains (losses)	$0	1,388
Applicable income taxes	$1,074,000	1,790
Income before extraordinary items	$2,058,000	2,503
Extraordinary gains, net	$0	45
Net income	$2,058,000	2,505
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	2,496
Cash dividends	$1,800,000	1,250
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,058,000	2,490
2006-06-30 (YTD Data)		Rank
Total interest income	$4,675,000	3,687
Total interest expense	$822,000	5,739
Net interest income	$3,853,000	2,880
Provision for loan and lease losses	$90,000	3,463
Total noninterest income	$755,000	2,699
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$597,000	1,494
Trading account gains and fees	$0	126
Additional Noninterest Income	$158,000	4,200
Total noninterest expense	$2,392,000	3,467
Salaries and employee benefits	$1,434,000	3,262
Premises and equipment expense	$315,000	3,627
Additional noninterest expense	$643,000	3,710
Pre-tax net operating income	$2,126,000	2,210
Securities gains (losses)	$0	1,185
Applicable income taxes	$730,000	1,793
Income before extraordinary items	$1,396,000	2,479
Extraordinary gains, net	$0	39
Net income	$1,396,000	2,481
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	3,182
Cash dividends	$800,000	1,708
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,396,000	2,463
2006-03-31 (YTD Data)		Rank
Total interest income	$2,300,000	3,667
Total interest expense	$403,000	5,670
Net interest income	$1,897,000	2,913
Provision for loan and lease losses	$45,000	3,261
Total noninterest income	$352,000	2,772
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$275,000	1,552
Trading account gains and fees	$0	115
Additional Noninterest Income	$77,000	4,231
Total noninterest expense	$1,193,000	3,490
Salaries and employee benefits	$718,000	3,262
Premises and equipment expense	$159,000	3,609
Additional noninterest expense	$316,000	3,749
Pre-tax net operating income	$1,011,000	2,253
Securities gains (losses)	$0	955
Applicable income taxes	$349,000	1,819
Income before extraordinary items	$662,000	2,548
Extraordinary gains, net	$0	21
Net income	$662,000	2,549
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	2,001
Cash dividends	$400,000	1,598
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$662,000	2,529
2005-12-31 (YTD Data)		Rank
Total interest income	$8,543,000	3,559
Total interest expense	$1,585,000	5,096
Net interest income	$6,958,000	3,051
Provision for loan and lease losses	$120,000	4,465
Total noninterest income	$1,459,000	2,732
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$1,154,000	1,517
Trading account gains and fees	$0	138
Additional Noninterest Income	$305,000	4,299
Total noninterest expense	$4,539,000	3,511
Salaries and employee benefits	$2,747,000	3,207
Premises and equipment expense	$575,000	3,784
Additional noninterest expense	$1,217,000	3,835
Pre-tax net operating income	$3,758,000	2,321
Securities gains (losses)	$0	2,296
Applicable income taxes	$1,279,000	1,914
Income before extraordinary items	$2,479,000	2,619
Extraordinary gains, net	$0	46
Net income	$2,479,000	2,619
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$128,000	2,953
Cash dividends	$1,460,000	1,866
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,479,000	2,594
2005-09-30 (YTD Data)		Rank
Total interest income	$6,272,000	3,568
Total interest expense	$1,165,000	5,020
Net interest income	$5,107,000	3,095
Provision for loan and lease losses	$90,000	4,305
Total noninterest income	$1,048,000	2,811
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$834,000	1,554
Trading account gains and fees	$0	126
Additional Noninterest Income	$214,000	4,453
Total noninterest expense	$3,373,000	3,504
Salaries and employee benefits	$2,055,000	3,200
Premises and equipment expense	$418,000	3,848
Additional noninterest expense	$900,000	3,802
Pre-tax net operating income	$2,692,000	2,427
Securities gains (losses)	$0	2,317
Applicable income taxes	$915,000	2,009
Income before extraordinary items	$1,777,000	2,723
Extraordinary gains, net	$0	35
Net income	$1,777,000	2,724
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	2,732
Cash dividends	$1,080,000	1,688
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,777,000	2,689
2005-06-30 (YTD Data)		Rank
Total interest income	$4,124,000	3,532
Total interest expense	$755,000	4,938
Net interest income	$3,369,000	3,091
Provision for loan and lease losses	$60,000	4,115
Total noninterest income	$678,000	2,832
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$533,000	1,580
Trading account gains and fees	$0	116
Additional Noninterest Income	$145,000	4,399
Total noninterest expense	$2,237,000	3,499
Salaries and employee benefits	$1,365,000	3,189
Premises and equipment expense	$278,000	3,838
Additional noninterest expense	$594,000	3,841
Pre-tax net operating income	$1,750,000	2,417
Securities gains (losses)	$0	2,146
Applicable income taxes	$594,000	2,023
Income before extraordinary items	$1,156,000	2,738
Extraordinary gains, net	$0	30
Net income	$1,156,000	2,738
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	2,327
Cash dividends	$720,000	1,714
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,156,000	2,696
2005-03-31 (YTD Data)		Rank
Total interest income	$2,029,000	3,545
Total interest expense	$372,000	4,878
Net interest income	$1,657,000	3,127
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$318,000	2,919
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$246,000	1,664
Trading account gains and fees	$0	115
Additional Noninterest Income	$72,000	4,397
Total noninterest expense	$1,107,000	3,550
Salaries and employee benefits	$682,000	3,202
Premises and equipment expense	$137,000	3,911
Additional noninterest expense	$288,000	3,930
Pre-tax net operating income	$838,000	2,482
Securities gains (losses)	$0	1,685
Applicable income taxes	$284,000	2,060
Income before extraordinary items	$554,000	2,788
Extraordinary gains, net	$0	24
Net income	$554,000	2,789
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	2,042
Cash dividends	$360,000	1,557
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$554,000	2,740
2004-12-31 (YTD Data)		Rank
Total interest income	$8,103,000	3,379
Total interest expense	$1,429,000	4,641
Net interest income	$6,674,000	3,020
Provision for loan and lease losses	$120,000	4,623
Total noninterest income	$1,423,000	2,778
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$1,156,000	1,518
Trading account gains and fees	$0	138
Additional Noninterest Income	$267,000	4,503
Total noninterest expense	$4,555,000	3,380
Salaries and employee benefits	$2,773,000	3,064
Premises and equipment expense	$521,000	3,956
Additional noninterest expense	$1,261,000	3,607
Pre-tax net operating income	$3,422,000	2,310
Securities gains (losses)	$43,000	1,860
Applicable income taxes	$1,180,000	1,926
Income before extraordinary items	$2,285,000	2,609
Extraordinary gains, net	$0	34
Net income	$2,285,000	2,612
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	3,848
Cash dividends	$1,385,000	1,850
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,256,620	2,587
2004-09-30 (YTD Data)		Rank
Total interest income	$6,017,000	3,378
Total interest expense	$1,065,000	4,625
Net interest income	$4,952,000	3,027
Provision for loan and lease losses	$90,000	4,429
Total noninterest income	$1,053,000	2,818
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$858,000	1,546
Trading account gains and fees	$0	134
Additional Noninterest Income	$195,000	4,551
Total noninterest expense	$3,373,000	3,388
Salaries and employee benefits	$2,070,000	3,044
Premises and equipment expense	$396,000	3,902
Additional noninterest expense	$907,000	3,696
Pre-tax net operating income	$2,542,000	2,349
Securities gains (losses)	$43,000	1,778
Applicable income taxes	$878,000	1,974
Income before extraordinary items	$1,707,000	2,663
Extraordinary gains, net	$0	26
Net income	$1,707,000	2,665
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	4,105
Cash dividends	$1,025,000	1,674
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,678,620	2,638
2004-06-30 (YTD Data)		Rank
Total interest income	$3,980,000	3,397
Total interest expense	$720,000	4,598
Net interest income	$3,260,000	3,054
Provision for loan and lease losses	$60,000	4,267
Total noninterest income	$696,000	2,844
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$570,000	1,542
Trading account gains and fees	$0	130
Additional Noninterest Income	$126,000	4,677
Total noninterest expense	$2,263,000	3,403
Salaries and employee benefits	$1,383,000	3,058
Premises and equipment expense	$268,000	3,862
Additional noninterest expense	$612,000	3,690
Pre-tax net operating income	$1,633,000	2,409
Securities gains (losses)	$0	3,413
Applicable income taxes	$555,000	2,045
Income before extraordinary items	$1,078,000	2,760
Extraordinary gains, net	$0	21
Net income	$1,078,000	2,761
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	3,637
Cash dividends	$725,000	1,654
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,078,000	2,684
2004-03-31 (YTD Data)		Rank
Total interest income	$1,975,000	3,422
Total interest expense	$375,000	4,503
Net interest income	$1,600,000	3,094
Provision for loan and lease losses	$30,000	4,060
Total noninterest income	$338,000	2,854
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$282,000	1,523
Trading account gains and fees	$0	121
Additional Noninterest Income	$56,000	4,886
Total noninterest expense	$1,149,000	3,342
Salaries and employee benefits	$692,000	3,052
Premises and equipment expense	$138,000	3,818
Additional noninterest expense	$319,000	3,560
Pre-tax net operating income	$759,000	2,531
Securities gains (losses)	$0	2,934
Applicable income taxes	$258,000	2,149
Income before extraordinary items	$501,000	2,939
Extraordinary gains, net	$0	16
Net income	$501,000	2,939
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	2,391
Cash dividends	$400,000	1,429
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$501,000	2,841
2003-12-31 (YTD Data)		Rank
Total interest income	$8,607,000	3,223
Total interest expense	$1,904,000	4,173
Net interest income	$6,703,000	2,857
Provision for loan and lease losses	$192,000	4,106
Total noninterest income	$1,211,000	3,284
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$952,000	1,821
Trading account gains and fees	$0	160
Additional Noninterest Income	$259,000	4,785
Total noninterest expense	$4,325,000	3,476
Salaries and employee benefits	$2,689,000	3,062
Premises and equipment expense	$506,000	4,021
Additional noninterest expense	$1,130,000	3,906
Pre-tax net operating income	$3,397,000	2,263
Securities gains (losses)	$0	4,500
Applicable income taxes	$1,159,000	1,978
Income before extraordinary items	$2,238,000	2,622
Extraordinary gains, net	$0	54
Net income	$2,238,000	2,625
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$145,000	3,432
Cash dividends	$1,315,000	1,925
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,238,000	2,500
2003-09-30 (YTD Data)		Rank
Total interest income	$6,560,000	3,232
Total interest expense	$1,488,000	4,170
Net interest income	$5,072,000	2,853
Provision for loan and lease losses	$145,000	3,973
Total noninterest income	$872,000	3,445
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$676,000	1,915
Trading account gains and fees	$0	153
Additional Noninterest Income	$196,000	4,837
Total noninterest expense	$3,259,000	3,445
Salaries and employee benefits	$2,003,000	3,089
Premises and equipment expense	$386,000	3,962
Additional noninterest expense	$870,000	3,803
Pre-tax net operating income	$2,540,000	2,352
Securities gains (losses)	$0	4,204
Applicable income taxes	$864,000	2,085
Income before extraordinary items	$1,676,000	2,717
Extraordinary gains, net	$0	40
Net income	$1,676,000	2,716
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	3,514
Cash dividends	$975,000	1,785
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,676,000	2,571
2003-06-30 (YTD Data)		Rank
Total interest income	$4,449,000	3,200
Total interest expense	$1,037,000	4,127
Net interest income	$3,412,000	2,831
Provision for loan and lease losses	$85,000	4,219
Total noninterest income	$556,000	3,524
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$427,000	1,972
Trading account gains and fees	$0	150
Additional Noninterest Income	$129,000	4,858
Total noninterest expense	$2,170,000	3,440
Salaries and employee benefits	$1,321,000	3,111
Premises and equipment expense	$264,000	3,865
Additional noninterest expense	$585,000	3,773
Pre-tax net operating income	$1,713,000	2,336
Securities gains (losses)	$0	3,782
Applicable income taxes	$583,000	2,096
Income before extraordinary items	$1,130,000	2,706
Extraordinary gains, net	$0	30
Net income	$1,130,000	2,705
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	3,076
Cash dividends	$650,000	1,794
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,130,000	2,554
2003-03-31 (YTD Data)		Rank
Total interest income	$2,209,000	3,235
Total interest expense	$528,000	4,160
Net interest income	$1,681,000	2,867
Provision for loan and lease losses	$30,000	4,429
Total noninterest income	$256,000	3,580
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$201,000	2,013
Trading account gains and fees	$0	134
Additional Noninterest Income	$55,000	5,085
Total noninterest expense	$1,074,000	3,460
Salaries and employee benefits	$654,000	3,124
Premises and equipment expense	$128,000	3,967
Additional noninterest expense	$292,000	3,731
Pre-tax net operating income	$833,000	2,394
Securities gains (losses)	$0	2,891
Applicable income taxes	$283,000	2,136
Income before extraordinary items	$550,000	2,739
Extraordinary gains, net	$0	21
Net income	$550,000	2,736
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,853
Cash dividends	$325,000	1,681
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$550,000	2,601
2002-12-31 (YTD Data)		Rank
Total interest income	$9,487,000	3,157
Total interest expense	$2,690,000	3,876
Net interest income	$6,797,000	2,804
Provision for loan and lease losses	$163,000	4,771
Total noninterest income	$1,117,000	3,229
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$893,000	1,801
Trading account gains and fees	$0	153
Additional Noninterest Income	$224,000	4,797
Total noninterest expense	$4,092,000	3,510
Salaries and employee benefits	$2,616,000	3,003
Premises and equipment expense	$423,000	4,448
Additional noninterest expense	$1,053,000	4,005
Pre-tax net operating income	$3,659,000	2,139
Securities gains (losses)	$0	4,537
Applicable income taxes	$1,246,000	1,899
Income before extraordinary items	$2,413,000	2,419
Extraordinary gains, net	$0	70
Net income	$2,413,000	2,418
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$191,000	3,085
Cash dividends	$1,251,000	1,883
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,413,000	2,339
2001-12-31 (YTD Data)		Rank
Total interest income	$10,358,000	3,211
Total interest expense	$3,829,000	3,940
Net interest income	$6,529,000	2,732
Provision for loan and lease losses	$120,000	5,188
Total noninterest income	$1,103,000	3,113
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$887,000	1,709
Trading account gains and fees	$0	177
Additional Noninterest Income	$216,000	4,772
Total noninterest expense	$3,979,000	3,447
Salaries and employee benefits	$2,485,000	2,959
Premises and equipment expense	$476,000	4,060
Additional noninterest expense	$1,018,000	4,015
Pre-tax net operating income	$3,533,000	1,967
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,203,000	1,803
Income before extraordinary items	$2,330,000	2,227
Extraordinary gains, net	$0	105
Net income	$2,330,000	2,230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,000	3,704
Cash dividends	$1,242,000	1,917
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,330,000	2,150
2000-12-31 (YTD Data)		Rank
Total interest income	$10,727,000	3,209
Total interest expense	$3,857,000	4,092
Net interest income	$6,870,000	2,589
Provision for loan and lease losses	$112,000	5,070
Total noninterest income	$999,000	3,133
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$861,000	1,598
Trading account gains and fees	$0	180
Additional Noninterest Income	$138,000	5,687
Total noninterest expense	$4,015,000	3,323
Salaries and employee benefits	$2,551,000	2,785
Premises and equipment expense	$481,000	3,908
Additional noninterest expense	$983,000	4,044
Pre-tax net operating income	$3,742,000	1,958
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,266,000	1,738
Income before extraordinary items	$2,476,000	2,099
Extraordinary gains, net	$0	38
Net income	$2,476,000	2,099
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$104,000	3,511
Cash dividends	$1,131,000	2,085
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,476,000	2,098
1999-12-31 (YTD Data)		Rank
Total interest income	$10,667,000	3,027
Total interest expense	$3,933,000	3,636
Net interest income	$6,734,000	2,604
Provision for loan and lease losses	$158,000	4,148
Total noninterest income	$952,000	3,208
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$802,000	1,656
Trading account gains and fees	$0	173
Additional Noninterest Income	$150,000	5,606
Total noninterest expense	$4,129,000	3,223
Salaries and employee benefits	$2,663,000	2,659
Premises and equipment expense	$485,000	3,870
Additional noninterest expense	$981,000	4,080
Pre-tax net operating income	$3,399,000	2,160
Securities gains (losses)	$18,000	1,449
Applicable income taxes	$1,171,000	1,964
Income before extraordinary items	$2,246,000	2,313
Extraordinary gains, net	$0	35
Net income	$2,246,000	2,314
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	2,747
Cash dividends	$1,035,000	2,188
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,234,120	2,297
1998-12-31 (YTD Data)		Rank
Total interest income	$10,931,000	2,956
Total interest expense	$4,284,000	3,467
Net interest income	$6,647,000	2,565
Provision for loan and lease losses	$33,000	7,242
Total noninterest income	$849,000	3,469
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$722,000	1,773
Trading account gains and fees	$0	224
Additional Noninterest Income	$127,000	6,070
Total noninterest expense	$3,816,000	3,362
Salaries and employee benefits	$2,440,000	2,786
Premises and equipment expense	$450,000	4,010
Additional noninterest expense	$926,000	4,197
Pre-tax net operating income	$3,647,000	1,987
Securities gains (losses)	$0	4,449
Applicable income taxes	$1,237,000	1,937
Income before extraordinary items	$2,410,000	2,165
Extraordinary gains, net	$0	32
Net income	$2,410,000	2,164
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	4,524
Cash dividends	$941,000	2,331
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$2,410,000	2,101
1997-12-31 (YTD Data)		Rank
Total interest income	$10,812,000	3,004
Total interest expense	$4,444,000	3,328
Net interest income	$6,368,000	2,733
Provision for loan and lease losses	$124,000	4,561
Total noninterest income	$728,000	3,855
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$611,000	2,147
Trading account gains and fees	$0	239
Additional Noninterest Income	$117,000	6,349
Total noninterest expense	$3,378,000	3,722
Salaries and employee benefits	$2,143,000	3,088
Premises and equipment expense	$385,000	4,571
Additional noninterest expense	$850,000	4,515
Pre-tax net operating income	$3,594,000	2,091
Securities gains (losses)	$0	3,944
Applicable income taxes	$1,220,000	2,050
Income before extraordinary items	$2,374,000	2,221
Extraordinary gains, net	$0	44
Net income	$2,374,000	2,221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	4,391
Cash dividends	$784,000	2,603
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,374,000	2,163
1996-12-31 (YTD Data)		Rank
Total interest income	$10,017,000	3,274
Total interest expense	$4,373,000	3,409
Net interest income	$5,644,000	3,134
Provision for loan and lease losses	$111,000	4,854
Total noninterest income	$732,000	3,955
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$624,000	2,165
Trading account gains and fees	$0	262
Additional Noninterest Income	$108,000	6,916
Total noninterest expense	$3,131,000	4,171
Salaries and employee benefits	$2,018,000	3,312
Premises and equipment expense	$336,000	5,155
Additional noninterest expense	$777,000	5,313
Pre-tax net operating income	$3,134,000	2,275
Securities gains (losses)	$0	4,148
Applicable income taxes	$1,066,000	2,213
Income before extraordinary items	$2,068,000	2,382
Extraordinary gains, net	$0	53
Net income	$2,068,000	2,383
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	5,399
Cash dividends	$719,000	2,698
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$2,068,000	2,333
1995-12-31 (YTD Data)		Rank
Total interest income	$9,142,000	3,571
Total interest expense	$3,727,000	3,931
Net interest income	$5,415,000	3,276
Provision for loan and lease losses	$35,000	6,883
Total noninterest income	$661,000	4,274
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$557,000	2,426
Trading account gains and fees	$0	522
Additional Noninterest Income	$104,000	7,102
Total noninterest expense	$2,947,000	4,354
Salaries and employee benefits	$1,856,000	3,548
Premises and equipment expense	$301,000	5,611
Additional noninterest expense	$790,000	5,302
Pre-tax net operating income	$3,094,000	2,366
Securities gains (losses)	$0	3,831
Applicable income taxes	$1,055,000	2,262
Income before extraordinary items	$2,039,000	2,467
Extraordinary gains, net	$0	65
Net income	$2,039,000	2,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,181
Cash dividends	$598,000	2,993
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$2,039,000	2,443
1994-12-31 (YTD Data)		Rank
Total interest income	$7,877,000	3,806
Total interest expense	$2,905,000	4,077
Net interest income	$4,972,000	3,587
Provision for loan and lease losses	$120,000	4,039
Total noninterest income	$620,000	4,548
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$507,000	2,704
Trading account gains and fees	NA	NA
Additional Noninterest Income	$113,000	7,127
Total noninterest expense	$2,920,000	4,516
Salaries and employee benefits	$1,802,000	3,613
Premises and equipment expense	$302,000	5,687
Additional noninterest expense	$816,000	5,609
Pre-tax net operating income	$2,552,000	2,771
Securities gains (losses)	$0	3,600
Applicable income taxes	$865,000	2,591
Income before extraordinary items	$1,687,000	2,866
Extraordinary gains, net	$0	249
Net income	$1,687,000	2,872
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,921
Cash dividends	$523,000	3,087
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,687,000	2,890
1993-12-31 (YTD Data)		Rank
Total interest income	$7,233,000	4,190
Total interest expense	$2,607,000	4,638
Net interest income	$4,626,000	3,827
Provision for loan and lease losses	$91,000	5,992
Total noninterest income	$603,000	4,946
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$499,000	2,805
Trading account gains and fees	NA	NA
Additional Noninterest Income	$104,000	7,749
Total noninterest expense	$2,796,000	4,801
Salaries and employee benefits	$1,685,000	3,848
Premises and equipment expense	$299,000	5,874
Additional noninterest expense	$812,000	5,859
Pre-tax net operating income	$2,342,000	2,878
Securities gains (losses)	$0	7,477
Applicable income taxes	$788,000	2,792
Income before extraordinary items	$1,554,000	3,137
Extraordinary gains, net	$0	3,149
Net income	$1,554,000	3,229
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	7,435
Cash dividends	$427,000	3,489
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,554,000	2,959
1992-12-31 (YTD Data)		Rank
Total interest income	$7,319,000	4,640
Total interest expense	$3,097,000	5,018
Net interest income	$4,222,000	4,232
Provision for loan and lease losses	$86,000	7,695
Total noninterest income	$532,000	5,405
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$438,000	3,208
Trading account gains and fees	NA	NA
Additional Noninterest Income	$94,000	8,290
Total noninterest expense	$2,589,000	5,145
Salaries and employee benefits	$1,531,000	4,149
Premises and equipment expense	$277,000	6,329
Additional noninterest expense	$781,000	6,199
Pre-tax net operating income	$2,079,000	2,998
Securities gains (losses)	$7,000	6,774
Applicable income taxes	$687,000	3,031
Income before extraordinary items	$1,399,000	3,280
Extraordinary gains, net	$0	1,422
Net income	$1,399,000	3,321
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	8,508
Cash dividends	$380,000	3,450
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,394,310	3,054

* 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.