Home > Virginia Commonwealth Bank > Income and Expense

Virginia Commonwealth Bank, Income and Expense

2020-12-31 (YTD Data)		Rank
Total interest income	$49,855,000	687
Total interest expense	$9,639,000	519
Net interest income	$40,216,000	719
Provision for loan and lease losses	$6,824,000	464
Total noninterest income	$6,490,000	1,071
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$729,000	1,218
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,761,000	926
Total noninterest expense	$38,331,000	650
Salaries and employee benefits	$15,183,000	901
Premises and equipment expense	$2,653,000	940
Additional noninterest expense	$20,495,000	402
Pre-tax net operating income	$1,551,000	3,241
Securities gains (losses)	$24,000	2,043
Applicable income taxes	$1,778,000	1,003
Income before extraordinary items	$-203,000	4,838
Extraordinary gains, net	$0	4
Net income	$-203,000	4,839
Minority interest net income	$0	72
Net income of bank and minority interests.	$-203,000	4,838
Net charge-offs	$597,000	868
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$-221,960	4,823
2020-09-30 (YTD Data)		Rank
Total interest income	$37,181,000	689
Total interest expense	$7,790,000	516
Net interest income	$29,391,000	724
Provision for loan and lease losses	$5,673,000	458
Total noninterest income	$4,662,000	1,070
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$545,000	1,215
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,117,000	922
Total noninterest expense	$30,966,000	589
Salaries and employee benefits	$11,347,000	880
Premises and equipment expense	$2,039,000	911
Additional noninterest expense	$17,580,000	357
Pre-tax net operating income	$-2,586,000	4,986
Securities gains (losses)	$21,000	1,900
Applicable income taxes	$944,000	1,231
Income before extraordinary items	$-3,509,000	4,989
Extraordinary gains, net	$0	4
Net income	$-3,509,000	4,989
Minority interest net income	$0	65
Net income of bank and minority interests.	$-3,509,000	4,989
Net charge-offs	$336,000	964
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$-3,530,000	4,988
2020-06-30 (YTD Data)		Rank
Total interest income	$24,833,000	694
Total interest expense	$5,607,000	522
Net interest income	$19,226,000	735
Provision for loan and lease losses	$4,804,000	407
Total noninterest income	$3,058,000	1,029
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$389,000	1,163
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,669,000	893
Total noninterest expense	$24,086,000	513
Salaries and employee benefits	$7,681,000	857
Premises and equipment expense	$1,376,000	911
Additional noninterest expense	$15,029,000	301
Pre-tax net operating income	$-6,606,000	5,037
Securities gains (losses)	$21,000	1,665
Applicable income taxes	$136,000	2,339
Income before extraordinary items	$-6,721,000	5,026
Extraordinary gains, net	$0	4
Net income	$-6,721,000	5,026
Minority interest net income	$0	65
Net income of bank and minority interests.	$-6,721,000	5,026
Net charge-offs	$359,000	731
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$-6,742,000	5,030
2020-03-31 (YTD Data)		Rank
Total interest income	$12,494,000	690
Total interest expense	$3,085,000	532
Net interest income	$9,409,000	728
Provision for loan and lease losses	$2,777,000	338
Total noninterest income	$1,345,000	1,062
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$248,000	1,120
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,097,000	905
Total noninterest expense	$7,063,000	838
Salaries and employee benefits	$3,847,000	866
Premises and equipment expense	$711,000	899
Additional noninterest expense	$2,505,000	721
Pre-tax net operating income	$914,000	1,966
Securities gains (losses)	$18,000	1,156
Applicable income taxes	$152,000	1,626
Income before extraordinary items	$780,000	2,015
Extraordinary gains, net	$0	4
Net income	$780,000	2,014
Minority interest net income	$0	56
Net income of bank and minority interests.	$780,000	2,015
Net charge-offs	$166,000	689
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$764,880	2,014
2019-12-31 (YTD Data)		Rank
Total interest income	$51,299,000	672
Total interest expense	$14,173,000	508
Net interest income	$37,126,000	741
Provision for loan and lease losses	$1,182,000	813
Total noninterest income	$2,987,000	1,568
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,026,000	1,121
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,961,000	1,558
Total noninterest expense	$27,711,000	831
Salaries and employee benefits	$15,086,000	858
Premises and equipment expense	$3,148,000	808
Additional noninterest expense	$9,477,000	741
Pre-tax net operating income	$11,220,000	966
Securities gains (losses)	$-2,000	4,594
Applicable income taxes	$2,176,000	847
Income before extraordinary items	$9,042,000	1,010
Extraordinary gains, net	$0	11
Net income	$9,042,000	1,011
Minority interest net income	$0	76
Net income of bank and minority interests.	$9,042,000	1,011
Net charge-offs	$1,522,000	507
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$9,043,620	991
2019-09-30 (YTD Data)		Rank
Total interest income	$38,089,000	684
Total interest expense	$10,813,000	504
Net interest income	$27,276,000	763
Provision for loan and lease losses	$871,000	775
Total noninterest income	$2,054,000	1,650
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$764,000	1,132
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,290,000	1,663
Total noninterest expense	$20,590,000	834
Salaries and employee benefits	$11,213,000	862
Premises and equipment expense	$2,380,000	795
Additional noninterest expense	$6,997,000	750
Pre-tax net operating income	$7,869,000	1,036
Securities gains (losses)	$-2,000	4,702
Applicable income taxes	$1,524,000	933
Income before extraordinary items	$6,343,000	1,095
Extraordinary gains, net	$0	11
Net income	$6,343,000	1,096
Minority interest net income	$0	72
Net income of bank and minority interests.	$6,343,000	1,096
Net charge-offs	$1,278,000	418
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$6,344,620	1,071
2019-06-30 (YTD Data)		Rank
Total interest income	$25,100,000	689
Total interest expense	$7,222,000	494
Net interest income	$17,878,000	771
Provision for loan and lease losses	$376,000	1,043
Total noninterest income	$1,502,000	1,536
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$511,000	1,116
Trading account gains and fees	$0	131
Additional Noninterest Income	$991,000	1,501
Total noninterest expense	$13,970,000	813
Salaries and employee benefits	$7,621,000	845
Premises and equipment expense	$1,616,000	786
Additional noninterest expense	$4,733,000	747
Pre-tax net operating income	$5,034,000	1,045
Securities gains (losses)	$-2,000	4,715
Applicable income taxes	$957,000	936
Income before extraordinary items	$4,075,000	1,097
Extraordinary gains, net	$0	11
Net income	$4,075,000	1,097
Minority interest net income	$0	69
Net income of bank and minority interests.	$4,075,000	1,097
Net charge-offs	$799,000	413
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$4,076,620	1,082
2019-03-31 (YTD Data)		Rank
Total interest income	$12,550,000	679
Total interest expense	$3,515,000	496
Net interest income	$9,035,000	768
Provision for loan and lease losses	$314,000	656
Total noninterest income	$684,000	1,593
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$251,000	1,128
Trading account gains and fees	$0	126
Additional Noninterest Income	$433,000	1,598
Total noninterest expense	$7,030,000	799
Salaries and employee benefits	$3,839,000	839
Premises and equipment expense	$828,000	780
Additional noninterest expense	$2,363,000	734
Pre-tax net operating income	$2,375,000	1,072
Securities gains (losses)	$0	1,087
Applicable income taxes	$445,000	973
Income before extraordinary items	$1,930,000	1,118
Extraordinary gains, net	$0	5
Net income	$1,930,000	1,117
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,930,000	1,117
Net charge-offs	$358,000	427
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,930,000	1,100
2018-12-31 (YTD Data)		Rank
Total interest income	$44,633,000	715
Total interest expense	$9,712,000	539
Net interest income	$34,921,000	762
Provision for loan and lease losses	$1,351,000	689
Total noninterest income	$3,322,000	1,434
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$811,000	1,360
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,511,000	1,292
Total noninterest expense	$30,506,000	745
Salaries and employee benefits	$16,025,000	786
Premises and equipment expense	$3,509,000	722
Additional noninterest expense	$10,972,000	644
Pre-tax net operating income	$6,386,000	1,444
Securities gains (losses)	$0	1,125
Applicable income taxes	$803,000	1,582
Income before extraordinary items	$5,583,000	1,446
Extraordinary gains, net	$0	6
Net income	$5,583,000	1,445
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,583,000	1,445
Net charge-offs	$1,219,000	498
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$5,583,000	1,440
2018-09-30 (YTD Data)		Rank
Total interest income	$32,651,000	720
Total interest expense	$6,577,000	548
Net interest income	$26,074,000	760
Provision for loan and lease losses	$481,000	1,155
Total noninterest income	$2,588,000	1,413
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$538,000	1,504
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,050,000	1,244
Total noninterest expense	$22,921,000	739
Salaries and employee benefits	$12,169,000	778
Premises and equipment expense	$2,517,000	747
Additional noninterest expense	$8,235,000	625
Pre-tax net operating income	$5,260,000	1,361
Securities gains (losses)	$0	1,118
Applicable income taxes	$954,000	1,209
Income before extraordinary items	$4,306,000	1,407
Extraordinary gains, net	$0	5
Net income	$4,306,000	1,406
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,306,000	1,406
Net charge-offs	$964,000	453
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$4,306,000	1,393
2018-06-30 (YTD Data)		Rank
Total interest income	$21,518,000	719
Total interest expense	$4,106,000	545
Net interest income	$17,412,000	756
Provision for loan and lease losses	$-28,000	5,322
Total noninterest income	$1,710,000	1,429
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$287,000	1,809
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,423,000	1,198
Total noninterest expense	$15,695,000	720
Salaries and employee benefits	$8,239,000	771
Premises and equipment expense	$1,596,000	790
Additional noninterest expense	$5,860,000	584
Pre-tax net operating income	$3,455,000	1,351
Securities gains (losses)	$0	961
Applicable income taxes	$620,000	1,219
Income before extraordinary items	$2,835,000	1,409
Extraordinary gains, net	$0	6
Net income	$2,835,000	1,408
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,835,000	1,408
Net charge-offs	$629,000	451
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,835,000	1,398
2018-03-31 (YTD Data)		Rank
Total interest income	$10,788,000	713
Total interest expense	$1,920,000	549
Net interest income	$8,868,000	737
Provision for loan and lease losses	$320,000	648
Total noninterest income	$981,000	1,285
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$135,000	1,894
Trading account gains and fees	$0	123
Additional Noninterest Income	$846,000	1,038
Total noninterest expense	$7,647,000	737
Salaries and employee benefits	$4,086,000	785
Premises and equipment expense	$755,000	836
Additional noninterest expense	$2,806,000	606
Pre-tax net operating income	$1,882,000	1,247
Securities gains (losses)	$0	735
Applicable income taxes	$343,000	1,112
Income before extraordinary items	$1,539,000	1,309
Extraordinary gains, net	$0	7
Net income	$1,539,000	1,309
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,539,000	1,309
Net charge-offs	$167,000	635
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,539,000	1,302
2017-12-31 (YTD Data)		Rank
Total interest income	$33,054,000	869
Total interest expense	$5,519,000	626
Net interest income	$27,535,000	915
Provision for loan and lease losses	$3,265,000	328
Total noninterest income	$2,373,000	1,825
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$900,000	1,288
Trading account gains and fees	$0	151
Additional Noninterest Income	$1,473,000	1,836
Total noninterest expense	$24,239,000	886
Salaries and employee benefits	$12,507,000	955
Premises and equipment expense	$2,566,000	944
Additional noninterest expense	$9,166,000	732
Pre-tax net operating income	$2,404,000	2,814
Securities gains (losses)	$2,000	1,996
Applicable income taxes	$1,235,000	1,692
Income before extraordinary items	$1,171,000	3,510
Extraordinary gains, net	$0	9
Net income	$1,171,000	3,509
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,171,000	3,510
Net charge-offs	$1,723,000	461
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,169,720	3,493
2017-09-30 (YTD Data)		Rank
Total interest income	$23,180,000	926
Total interest expense	$3,702,000	670
Net interest income	$19,478,000	969
Provision for loan and lease losses	$1,833,000	431
Total noninterest income	$2,004,000	1,722
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$778,000	1,162
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,226,000	1,740
Total noninterest expense	$17,152,000	938
Salaries and employee benefits	$9,118,000	987
Premises and equipment expense	$1,743,000	1,029
Additional noninterest expense	$6,291,000	783
Pre-tax net operating income	$2,497,000	2,367
Securities gains (losses)	$2,000	2,024
Applicable income taxes	$651,000	1,846
Income before extraordinary items	$1,848,000	2,534
Extraordinary gains, net	$0	9
Net income	$1,848,000	2,533
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,848,000	2,534
Net charge-offs	$775,000	591
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,846,520	2,525
2017-06-30 (YTD Data)		Rank
Total interest income	$13,686,000	1,033
Total interest expense	$2,127,000	750
Net interest income	$11,559,000	1,076
Provision for loan and lease losses	$758,000	612
Total noninterest income	$1,277,000	1,763
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$499,000	1,191
Trading account gains and fees	$0	139
Additional Noninterest Income	$778,000	1,808
Total noninterest expense	$10,772,000	1,004
Salaries and employee benefits	$5,669,000	1,060
Premises and equipment expense	$1,067,000	1,109
Additional noninterest expense	$4,036,000	819
Pre-tax net operating income	$1,306,000	2,714
Securities gains (losses)	$2,000	1,641
Applicable income taxes	$325,000	2,075
Income before extraordinary items	$983,000	2,850
Extraordinary gains, net	$0	11
Net income	$983,000	2,850
Minority interest net income	$0	71
Net income of bank and minority interests.	$983,000	2,850
Net charge-offs	$380,000	702
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$981,500	2,835
2017-03-31 (YTD Data)		Rank
Total interest income	$4,794,000	1,383
Total interest expense	$797,000	961
Net interest income	$3,997,000	1,451
Provision for loan and lease losses	$190,000	972
Total noninterest income	$558,000	1,909
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$212,000	1,344
Trading account gains and fees	$0	142
Additional Noninterest Income	$346,000	1,910
Total noninterest expense	$4,290,000	1,215
Salaries and employee benefits	$2,371,000	1,232
Premises and equipment expense	$408,000	1,421
Additional noninterest expense	$1,511,000	1,060
Pre-tax net operating income	$75,000	5,140
Securities gains (losses)	$-5,000	5,586
Applicable income taxes	$-46,000	5,779
Income before extraordinary items	$116,000	4,741
Extraordinary gains, net	$0	8
Net income	$116,000	4,741
Minority interest net income	$0	55
Net income of bank and minority interests.	$116,000	4,741
Net charge-offs	$59,000	1,222
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$121,000	4,689
2016-12-31 (YTD Data)		Rank
Total interest income	$17,904,000	1,424
Total interest expense	$3,054,000	958
Net interest income	$14,850,000	1,503
Provision for loan and lease losses	$287,000	2,059
Total noninterest income	$3,167,000	1,587
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$890,000	1,335
Trading account gains and fees	$0	170
Additional Noninterest Income	$2,277,000	1,463
Total noninterest expense	$13,960,000	1,398
Salaries and employee benefits	$7,325,000	1,485
Premises and equipment expense	$1,596,000	1,430
Additional noninterest expense	$5,039,000	1,248
Pre-tax net operating income	$3,770,000	2,012
Securities gains (losses)	$397,000	539
Applicable income taxes	$1,038,000	1,607
Income before extraordinary items	$3,129,000	2,034
Extraordinary gains, net	$0	5
Net income	$3,129,000	2,032
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,129,000	2,033
Net charge-offs	$620,000	939
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,831,250	2,145
2016-09-30 (YTD Data)		Rank
Total interest income	$13,274,000	1,440
Total interest expense	$2,305,000	942
Net interest income	$10,969,000	1,533
Provision for loan and lease losses	$407,000	1,338
Total noninterest income	$2,266,000	1,638
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$667,000	1,335
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,599,000	1,520
Total noninterest expense	$10,398,000	1,409
Salaries and employee benefits	$5,425,000	1,500
Premises and equipment expense	$1,206,000	1,425
Additional noninterest expense	$3,767,000	1,259
Pre-tax net operating income	$2,430,000	2,294
Securities gains (losses)	$252,000	678
Applicable income taxes	$690,000	1,770
Income before extraordinary items	$1,992,000	2,355
Extraordinary gains, net	$0	5
Net income	$1,992,000	2,354
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,992,000	2,355
Net charge-offs	$862,000	541
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,805,520	2,459
2016-06-30 (YTD Data)		Rank
Total interest income	$8,725,000	1,458
Total interest expense	$1,535,000	938
Net interest income	$7,190,000	1,562
Provision for loan and lease losses	$148,000	1,976
Total noninterest income	$1,382,000	1,721
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$455,000	1,297
Trading account gains and fees	$0	157
Additional Noninterest Income	$927,000	1,643
Total noninterest expense	$6,937,000	1,420
Salaries and employee benefits	$3,642,000	1,498
Premises and equipment expense	$807,000	1,418
Additional noninterest expense	$2,488,000	1,277
Pre-tax net operating income	$1,487,000	2,412
Securities gains (losses)	$110,000	900
Applicable income taxes	$396,000	1,891
Income before extraordinary items	$1,201,000	2,486
Extraordinary gains, net	$0	16
Net income	$1,201,000	2,485
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,201,000	2,485
Net charge-offs	$824,000	414
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,118,500	2,539
2016-03-31 (YTD Data)		Rank
Total interest income	$4,344,000	1,461
Total interest expense	$772,000	937
Net interest income	$3,572,000	1,574
Provision for loan and lease losses	$-35,000	5,937
Total noninterest income	$636,000	1,772
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$227,000	1,283
Trading account gains and fees	$0	142
Additional Noninterest Income	$409,000	1,715
Total noninterest expense	$3,529,000	1,389
Salaries and employee benefits	$1,927,000	1,420
Premises and equipment expense	$400,000	1,446
Additional noninterest expense	$1,202,000	1,306
Pre-tax net operating income	$714,000	2,458
Securities gains (losses)	$6,000	1,655
Applicable income taxes	$169,000	2,002
Income before extraordinary items	$551,000	2,592
Extraordinary gains, net	$0	12
Net income	$551,000	2,592
Minority interest net income	$0	62
Net income of bank and minority interests.	$551,000	2,592
Net charge-offs	$79,000	1,150
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$546,380	2,559
2015-12-31 (YTD Data)		Rank
Total interest income	$16,227,000	1,522
Total interest expense	$2,755,000	1,027
Net interest income	$13,472,000	1,627
Provision for loan and lease losses	$906,000	883
Total noninterest income	$2,500,000	1,830
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$917,000	1,303
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,583,000	1,792
Total noninterest expense	$13,906,000	1,402
Salaries and employee benefits	$7,507,000	1,428
Premises and equipment expense	$1,616,000	1,429
Additional noninterest expense	$4,783,000	1,323
Pre-tax net operating income	$1,160,000	3,885
Securities gains (losses)	$42,000	1,766
Applicable income taxes	$67,000	3,520
Income before extraordinary items	$1,135,000	3,722
Extraordinary gains, net	$0	23
Net income	$1,135,000	3,722
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,135,000	3,723
Net charge-offs	$580,000	1,042
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,095,520	3,727
2015-09-30 (YTD Data)		Rank
Total interest income	$11,924,000	1,571
Total interest expense	$1,997,000	1,068
Net interest income	$9,927,000	1,669
Provision for loan and lease losses	$354,000	1,377
Total noninterest income	$1,946,000	1,787
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$686,000	1,327
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,260,000	1,735
Total noninterest expense	$10,205,000	1,430
Salaries and employee benefits	$5,493,000	1,458
Premises and equipment expense	$1,198,000	1,450
Additional noninterest expense	$3,514,000	1,341
Pre-tax net operating income	$1,314,000	3,315
Securities gains (losses)	$4,000	2,687
Applicable income taxes	$230,000	2,705
Income before extraordinary items	$1,088,000	3,352
Extraordinary gains, net	$0	21
Net income	$1,088,000	3,350
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,088,000	3,351
Net charge-offs	$185,000	1,627
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,084,680	3,309
2015-06-30 (YTD Data)		Rank
Total interest income	$7,850,000	1,590
Total interest expense	$1,262,000	1,125
Net interest income	$6,588,000	1,685
Provision for loan and lease losses	$270,000	1,221
Total noninterest income	$1,368,000	1,721
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$449,000	1,329
Trading account gains and fees	$0	157
Additional Noninterest Income	$919,000	1,645
Total noninterest expense	$6,753,000	1,451
Salaries and employee benefits	$3,632,000	1,476
Premises and equipment expense	$786,000	1,491
Additional noninterest expense	$2,335,000	1,345
Pre-tax net operating income	$933,000	3,195
Securities gains (losses)	$2,000	2,428
Applicable income taxes	$169,000	2,624
Income before extraordinary items	$766,000	3,243
Extraordinary gains, net	$0	22
Net income	$766,000	3,243
Minority interest net income	$0	75
Net income of bank and minority interests.	$766,000	3,244
Net charge-offs	$35,000	2,597
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$764,360	3,180
2015-03-31 (YTD Data)		Rank
Total interest income	$3,900,000	1,591
Total interest expense	$602,000	1,169
Net interest income	$3,298,000	1,677
Provision for loan and lease losses	$65,000	1,847
Total noninterest income	$656,000	1,755
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$223,000	1,317
Trading account gains and fees	$0	152
Additional Noninterest Income	$433,000	1,672
Total noninterest expense	$3,413,000	1,431
Salaries and employee benefits	$1,895,000	1,424
Premises and equipment expense	$390,000	1,520
Additional noninterest expense	$1,128,000	1,366
Pre-tax net operating income	$476,000	3,101
Securities gains (losses)	$-4,000	6,162
Applicable income taxes	$91,000	2,532
Income before extraordinary items	$381,000	3,218
Extraordinary gains, net	$0	13
Net income	$381,000	3,221
Minority interest net income	$0	64
Net income of bank and minority interests.	$381,000	3,221
Net charge-offs	$23,000	2,046
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$384,240	3,124
2014-12-31 (YTD Data)		Rank
Total interest income	$14,408,000	1,735
Total interest expense	$2,196,000	1,327
Net interest income	$12,212,000	1,797
Provision for loan and lease losses	$611,000	1,259
Total noninterest income	$2,850,000	1,633
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$974,000	1,325
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,876,000	1,538
Total noninterest expense	$12,269,000	1,564
Salaries and employee benefits	$6,324,000	1,649
Premises and equipment expense	$1,314,000	1,763
Additional noninterest expense	$4,631,000	1,388
Pre-tax net operating income	$2,182,000	2,835
Securities gains (losses)	$-25,000	6,161
Applicable income taxes	$502,000	2,197
Income before extraordinary items	$1,655,000	3,064
Extraordinary gains, net	$0	17
Net income	$1,655,000	3,064
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,655,000	3,065
Net charge-offs	$332,000	1,906
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,674,250	2,995
2014-09-30 (YTD Data)		Rank
Total interest income	$10,533,000	1,802
Total interest expense	$1,631,000	1,353
Net interest income	$8,902,000	1,851
Provision for loan and lease losses	$452,000	1,232
Total noninterest income	$2,208,000	1,595
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$736,000	1,326
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,472,000	1,479
Total noninterest expense	$9,165,000	1,566
Salaries and employee benefits	$4,717,000	1,643
Premises and equipment expense	$947,000	1,846
Additional noninterest expense	$3,501,000	1,383
Pre-tax net operating income	$1,493,000	3,042
Securities gains (losses)	$-25,000	6,275
Applicable income taxes	$338,000	2,349
Income before extraordinary items	$1,130,000	3,262
Extraordinary gains, net	$0	15
Net income	$1,130,000	3,261
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,130,000	3,263
Net charge-offs	$226,000	1,873
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,149,250	3,193
2014-06-30 (YTD Data)		Rank
Total interest income	$6,941,000	1,814
Total interest expense	$1,097,000	1,353
Net interest income	$5,844,000	1,869
Provision for loan and lease losses	$262,000	1,409
Total noninterest income	$1,337,000	1,678
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$487,000	1,304
Trading account gains and fees	$0	172
Additional Noninterest Income	$850,000	1,629
Total noninterest expense	$6,018,000	1,587
Salaries and employee benefits	$3,080,000	1,672
Premises and equipment expense	$634,000	1,855
Additional noninterest expense	$2,304,000	1,397
Pre-tax net operating income	$901,000	3,153
Securities gains (losses)	$-17,000	6,356
Applicable income taxes	$191,000	2,458
Income before extraordinary items	$693,000	3,353
Extraordinary gains, net	$0	20
Net income	$693,000	3,359
Minority interest net income	$0	80
Net income of bank and minority interests.	$693,000	3,359
Net charge-offs	$214,000	1,530
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$706,260	3,283
2014-03-31 (YTD Data)		Rank
Total interest income	$3,408,000	1,836
Total interest expense	$560,000	1,347
Net interest income	$2,848,000	1,899
Provision for loan and lease losses	$165,000	1,131
Total noninterest income	$900,000	1,343
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$243,000	1,303
Trading account gains and fees	$0	147
Additional Noninterest Income	$657,000	1,171
Total noninterest expense	$2,999,000	1,605
Salaries and employee benefits	$1,527,000	1,702
Premises and equipment expense	$319,000	1,876
Additional noninterest expense	$1,153,000	1,380
Pre-tax net operating income	$584,000	2,620
Securities gains (losses)	$-1,000	6,239
Applicable income taxes	$158,000	1,945
Income before extraordinary items	$425,000	2,885
Extraordinary gains, net	$0	16
Net income	$425,000	2,888
Minority interest net income	$0	66
Net income of bank and minority interests.	$425,000	2,888
Net charge-offs	$141,000	1,157
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$425,730	2,845
2013-12-31 (YTD Data)		Rank
Total interest income	$13,650,000	1,830
Total interest expense	$2,835,000	1,198
Net interest income	$10,815,000	1,959
Provision for loan and lease losses	$776,000	1,366
Total noninterest income	$3,824,000	1,359
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,076,000	1,268
Trading account gains and fees	$0	184
Additional Noninterest Income	$2,748,000	1,208
Total noninterest expense	$12,252,000	1,574
Salaries and employee benefits	$6,107,000	1,675
Premises and equipment expense	$1,188,000	1,934
Additional noninterest expense	$4,957,000	1,357
Pre-tax net operating income	$1,611,000	3,281
Securities gains (losses)	$-4,000	6,160
Applicable income taxes	$363,000	2,451
Income before extraordinary items	$1,244,000	3,481
Extraordinary gains, net	$0	29
Net income	$1,244,000	3,482
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,244,000	3,484
Net charge-offs	$944,000	1,329
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,247,080	3,431
2013-09-30 (YTD Data)		Rank
Total interest income	$10,242,000	1,837
Total interest expense	$2,175,000	1,206
Net interest income	$8,067,000	1,971
Provision for loan and lease losses	$566,000	1,393
Total noninterest income	$2,913,000	1,376
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$811,000	1,265
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,102,000	1,228
Total noninterest expense	$9,177,000	1,581
Salaries and employee benefits	$4,682,000	1,651
Premises and equipment expense	$884,000	1,956
Additional noninterest expense	$3,611,000	1,389
Pre-tax net operating income	$1,237,000	3,304
Securities gains (losses)	$164,000	922
Applicable income taxes	$338,000	2,318
Income before extraordinary items	$1,063,000	3,305
Extraordinary gains, net	$0	25
Net income	$1,063,000	3,308
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,063,000	3,309
Net charge-offs	$681,000	1,313
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$938,360	3,459
2013-06-30 (YTD Data)		Rank
Total interest income	$6,778,000	1,849
Total interest expense	$1,486,000	1,202
Net interest income	$5,292,000	1,985
Provision for loan and lease losses	$262,000	1,821
Total noninterest income	$1,518,000	1,632
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$541,000	1,240
Trading account gains and fees	$0	157
Additional Noninterest Income	$977,000	1,603
Total noninterest expense	$5,980,000	1,612
Salaries and employee benefits	$3,109,000	1,667
Premises and equipment expense	$591,000	1,947
Additional noninterest expense	$2,280,000	1,434
Pre-tax net operating income	$568,000	3,923
Securities gains (losses)	$151,000	870
Applicable income taxes	$151,000	2,684
Income before extraordinary items	$568,000	3,710
Extraordinary gains, net	$0	22
Net income	$568,000	3,712
Minority interest net income	$0	82
Net income of bank and minority interests.	$568,000	3,713
Net charge-offs	$373,000	1,492
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$448,710	4,021
2013-03-31 (YTD Data)		Rank
Total interest income	$3,393,000	1,858
Total interest expense	$773,000	1,197
Net interest income	$2,620,000	2,017
Provision for loan and lease losses	$83,000	2,291
Total noninterest income	$807,000	1,560
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$275,000	1,217
Trading account gains and fees	$0	148
Additional Noninterest Income	$532,000	1,504
Total noninterest expense	$2,951,000	1,645
Salaries and employee benefits	$1,552,000	1,691
Premises and equipment expense	$308,000	1,920
Additional noninterest expense	$1,091,000	1,486
Pre-tax net operating income	$393,000	3,325
Securities gains (losses)	$3,000	1,729
Applicable income taxes	$91,000	2,493
Income before extraordinary items	$305,000	3,532
Extraordinary gains, net	$0	10
Net income	$305,000	3,533
Minority interest net income	$0	76
Net income of bank and minority interests.	$305,000	3,534
Net charge-offs	$143,000	1,624
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$302,690	3,457
2012-12-31 (YTD Data)		Rank
Total interest income	$14,151,000	1,868
Total interest expense	$3,436,000	1,311
Net interest income	$10,715,000	2,026
Provision for loan and lease losses	$1,895,000	1,119
Total noninterest income	$2,840,000	1,703
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$895,000	1,558
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,945,000	1,546
Total noninterest expense	$11,819,000	1,633
Salaries and employee benefits	$5,609,000	1,804
Premises and equipment expense	$1,394,000	1,688
Additional noninterest expense	$4,816,000	1,412
Pre-tax net operating income	$-159,000	6,325
Securities gains (losses)	$958,000	545
Applicable income taxes	$185,000	3,067
Income before extraordinary items	$614,000	4,659
Extraordinary gains, net	$0	29
Net income	$614,000	4,659
Minority interest net income	$0	93
Net income of bank and minority interests.	$614,000	4,660
Net charge-offs	$1,990,000	1,160
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$3,515,000	116
Net operating income	$-123,660	6,318
2012-09-30 (YTD Data)		Rank
Total interest income	$10,643,000	1,887
Total interest expense	$2,607,000	1,346
Net interest income	$8,036,000	2,054
Provision for loan and lease losses	$1,323,000	1,199
Total noninterest income	$1,877,000	1,870
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$608,000	1,696
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,269,000	1,720
Total noninterest expense	$9,060,000	1,611
Salaries and employee benefits	$4,290,000	1,757
Premises and equipment expense	$1,080,000	1,642
Additional noninterest expense	$3,690,000	1,377
Pre-tax net operating income	$-470,000	6,676
Securities gains (losses)	$959,000	415
Applicable income taxes	$99,000	3,380
Income before extraordinary items	$390,000	5,011
Extraordinary gains, net	$0	20
Net income	$390,000	5,012
Minority interest net income	$0	86
Net income of bank and minority interests.	$390,000	5,012
Net charge-offs	$1,174,000	1,313
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$-377,200	6,645
2012-06-30 (YTD Data)		Rank
Total interest income	$7,174,000	1,871
Total interest expense	$1,756,000	1,384
Net interest income	$5,418,000	2,043
Provision for loan and lease losses	$642,000	1,499
Total noninterest income	$1,064,000	2,078
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$360,000	1,861
Trading account gains and fees	$0	153
Additional Noninterest Income	$704,000	1,912
Total noninterest expense	$6,087,000	1,599
Salaries and employee benefits	$2,928,000	1,716
Premises and equipment expense	$745,000	1,600
Additional noninterest expense	$2,414,000	1,411
Pre-tax net operating income	$-247,000	6,662
Securities gains (losses)	$503,000	540
Applicable income taxes	$28,000	3,865
Income before extraordinary items	$228,000	5,168
Extraordinary gains, net	$0	19
Net income	$228,000	5,168
Minority interest net income	$0	84
Net income of bank and minority interests.	$228,000	5,168
Net charge-offs	$491,000	1,791
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$-219,670	6,661
2012-03-31 (YTD Data)		Rank
Total interest income	$3,587,000	1,891
Total interest expense	$893,000	1,416
Net interest income	$2,694,000	2,049
Provision for loan and lease losses	$96,000	2,949
Total noninterest income	$528,000	2,073
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$167,000	1,966
Trading account gains and fees	$0	148
Additional Noninterest Income	$361,000	1,882
Total noninterest expense	$3,054,000	1,589
Salaries and employee benefits	$1,558,000	1,627
Premises and equipment expense	$357,000	1,672
Additional noninterest expense	$1,139,000	1,483
Pre-tax net operating income	$72,000	5,697
Securities gains (losses)	$9,000	1,794
Applicable income taxes	$6,000	4,170
Income before extraordinary items	$75,000	5,668
Extraordinary gains, net	$0	19
Net income	$75,000	5,668
Minority interest net income	$0	78
Net income of bank and minority interests.	$75,000	5,668
Net charge-offs	$-23,000	6,913
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$66,630	5,645
2011-12-31 (YTD Data)		Rank
Total interest income	$14,762,000	1,910
Total interest expense	$4,206,000	1,436
Net interest income	$10,556,000	2,067
Provision for loan and lease losses	$495,000	3,472
Total noninterest income	$2,069,000	1,952
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$663,000	2,075
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,406,000	1,715
Total noninterest expense	$12,173,000	1,612
Salaries and employee benefits	$6,220,000	1,572
Premises and equipment expense	$1,343,000	1,855
Additional noninterest expense	$4,610,000	1,495
Pre-tax net operating income	$-43,000	6,077
Securities gains (losses)	$336,000	1,052
Applicable income taxes	$-27,000	6,676
Income before extraordinary items	$320,000	5,178
Extraordinary gains, net	$0	29
Net income	$320,000	5,180
Minority interest net income	$0	96
Net income of bank and minority interests.	$320,000	5,180
Net charge-offs	$537,000	3,093
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-16,000	6,069
2011-09-30 (YTD Data)		Rank
Total interest income	$11,155,000	1,917
Total interest expense	$3,267,000	1,448
Net interest income	$7,888,000	2,089
Provision for loan and lease losses	$385,000	3,280
Total noninterest income	$1,429,000	2,073
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$489,000	2,121
Trading account gains and fees	$0	145
Additional Noninterest Income	$940,000	1,836
Total noninterest expense	$8,821,000	1,652
Salaries and employee benefits	$4,559,000	1,620
Premises and equipment expense	$1,014,000	1,854
Additional noninterest expense	$3,248,000	1,574
Pre-tax net operating income	$111,000	5,766
Securities gains (losses)	$131,000	1,544
Applicable income taxes	$-12,000	6,804
Income before extraordinary items	$254,000	5,256
Extraordinary gains, net	$0	21
Net income	$254,000	5,256
Minority interest net income	$0	87
Net income of bank and minority interests.	$254,000	5,256
Net charge-offs	$292,000	3,279
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$123,000	5,672
2011-06-30 (YTD Data)		Rank
Total interest income	$7,520,000	1,905
Total interest expense	$2,257,000	1,450
Net interest income	$5,263,000	2,082
Provision for loan and lease losses	$220,000	3,411
Total noninterest income	$838,000	2,264
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$324,000	2,098
Trading account gains and fees	$0	153
Additional Noninterest Income	$514,000	2,051
Total noninterest expense	$5,778,000	1,694
Salaries and employee benefits	$3,009,000	1,642
Premises and equipment expense	$678,000	1,870
Additional noninterest expense	$2,091,000	1,646
Pre-tax net operating income	$103,000	5,675
Securities gains (losses)	$124,000	987
Applicable income taxes	$12,000	4,034
Income before extraordinary items	$215,000	4,910
Extraordinary gains, net	$0	15
Net income	$215,000	4,910
Minority interest net income	$0	89
Net income of bank and minority interests.	$215,000	4,910
Net charge-offs	$134,000	3,540
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$97,200	5,635
2011-03-31 (YTD Data)		Rank
Total interest income	$3,778,000	1,903
Total interest expense	$1,166,000	1,461
Net interest income	$2,612,000	2,081
Provision for loan and lease losses	$55,000	4,094
Total noninterest income	$423,000	2,261
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$166,000	2,041
Trading account gains and fees	$0	158
Additional Noninterest Income	$257,000	2,109
Total noninterest expense	$2,849,000	1,733
Salaries and employee benefits	$1,499,000	1,657
Premises and equipment expense	$335,000	1,930
Additional noninterest expense	$1,015,000	1,690
Pre-tax net operating income	$131,000	4,809
Securities gains (losses)	$-2,000	7,028
Applicable income taxes	$6,000	3,979
Income before extraordinary items	$123,000	4,736
Extraordinary gains, net	$0	9
Net income	$123,000	4,734
Minority interest net income	$0	86
Net income of bank and minority interests.	$123,000	4,736
Net charge-offs	$72,000	3,053
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$124,900	4,658
2010-12-31 (YTD Data)		Rank
Total interest income	$15,814,000	1,914
Total interest expense	$5,505,000	1,513
Net interest income	$10,309,000	2,119
Provision for loan and lease losses	$720,000	3,552
Total noninterest income	$2,184,000	1,959
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$664,000	2,128
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,520,000	1,688
Total noninterest expense	$11,546,000	1,705
Salaries and employee benefits	$5,898,000	1,650
Premises and equipment expense	$1,418,000	1,813
Additional noninterest expense	$4,230,000	1,699
Pre-tax net operating income	$227,000	5,121
Securities gains (losses)	$188,000	1,635
Applicable income taxes	$-51,000	6,720
Income before extraordinary items	$466,000	4,403
Extraordinary gains, net	$0	29
Net income	$466,000	4,406
Minority interest net income	$0	111
Net income of bank and minority interests.	$466,000	4,405
Net charge-offs	$1,258,000	2,377
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$278,000	4,872
2010-09-30 (YTD Data)		Rank
Total interest income	$11,984,000	1,933
Total interest expense	$4,204,000	1,545
Net interest income	$7,780,000	2,130
Provision for loan and lease losses	$524,000	3,475
Total noninterest income	$1,548,000	2,042
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$474,000	2,251
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,074,000	1,730
Total noninterest expense	$8,625,000	1,710
Salaries and employee benefits	$4,421,000	1,650
Premises and equipment expense	$1,081,000	1,793
Additional noninterest expense	$3,123,000	1,702
Pre-tax net operating income	$179,000	5,338
Securities gains (losses)	$188,000	1,420
Applicable income taxes	$-31,000	6,930
Income before extraordinary items	$398,000	4,478
Extraordinary gains, net	$0	23
Net income	$398,000	4,480
Minority interest net income	$0	110
Net income of bank and minority interests.	$398,000	4,481
Net charge-offs	$963,000	2,232
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$210,000	5,092
2010-06-30 (YTD Data)		Rank
Total interest income	$8,035,000	1,945
Total interest expense	$2,817,000	1,605
Net interest income	$5,218,000	2,116
Provision for loan and lease losses	$393,000	3,225
Total noninterest income	$1,142,000	1,841
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$317,000	2,252
Trading account gains and fees	$0	152
Additional Noninterest Income	$825,000	1,487
Total noninterest expense	$5,671,000	1,746
Salaries and employee benefits	$2,947,000	1,678
Premises and equipment expense	$736,000	1,770
Additional noninterest expense	$1,988,000	1,770
Pre-tax net operating income	$296,000	4,430
Securities gains (losses)	$139,000	1,186
Applicable income taxes	$25,000	3,662
Income before extraordinary items	$410,000	3,741
Extraordinary gains, net	$0	19
Net income	$410,000	3,739
Minority interest net income	$0	105
Net income of bank and minority interests.	$410,000	3,740
Net charge-offs	$968,000	1,763
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$279,340	4,285
2010-03-31 (YTD Data)		Rank
Total interest income	$4,017,000	1,994
Total interest expense	$1,416,000	1,669
Net interest income	$2,601,000	2,147
Provision for loan and lease losses	$196,000	3,033
Total noninterest income	$554,000	1,879
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$154,000	2,292
Trading account gains and fees	$0	175
Additional Noninterest Income	$400,000	1,511
Total noninterest expense	$2,756,000	1,805
Salaries and employee benefits	$1,476,000	1,695
Premises and equipment expense	$383,000	1,773
Additional noninterest expense	$897,000	1,908
Pre-tax net operating income	$203,000	4,021
Securities gains (losses)	$1,000	2,151
Applicable income taxes	$1,000	4,457
Income before extraordinary items	$203,000	3,855
Extraordinary gains, net	$0	16
Net income	$203,000	3,852
Minority interest net income	$0	91
Net income of bank and minority interests.	$203,000	3,854
Net charge-offs	$254,000	2,210
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$202,000	3,753
2009-12-31 (YTD Data)		Rank
Total interest income	$17,161,000	1,969
Total interest expense	$6,235,000	1,870
Net interest income	$10,926,000	2,011
Provision for loan and lease losses	$2,102,000	2,419
Total noninterest income	$2,474,000	1,845
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$670,000	2,327
Trading account gains and fees	$0	211
Additional Noninterest Income	$1,804,000	1,477
Total noninterest expense	$11,699,000	1,749
Salaries and employee benefits	$6,226,000	1,596
Premises and equipment expense	$1,421,000	1,892
Additional noninterest expense	$4,052,000	1,834
Pre-tax net operating income	$-401,000	5,908
Securities gains (losses)	$301,000	1,239
Applicable income taxes	$-436,000	6,994
Income before extraordinary items	$336,000	4,360
Extraordinary gains, net	$0	34
Net income	$336,000	4,360
Minority interest net income	$0	115
Net income of bank and minority interests.	$336,000	4,361
Net charge-offs	$885,000	3,018
Cash dividends	$1,000,000	1,619
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$143,360	4,946
2009-09-30 (YTD Data)		Rank
Total interest income	$12,849,000	2,013
Total interest expense	$4,776,000	1,903
Net interest income	$8,073,000	2,039
Provision for loan and lease losses	$773,000	3,152
Total noninterest income	$1,832,000	1,902
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$496,000	2,371
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,336,000	1,508
Total noninterest expense	$8,597,000	1,758
Salaries and employee benefits	$4,694,000	1,602
Premises and equipment expense	$1,040,000	1,957
Additional noninterest expense	$2,863,000	1,861
Pre-tax net operating income	$535,000	3,797
Securities gains (losses)	$13,000	2,895
Applicable income taxes	$-138,000	7,011
Income before extraordinary items	$686,000	3,167
Extraordinary gains, net	$0	27
Net income	$686,000	3,165
Minority interest net income	$0	118
Net income of bank and minority interests.	$686,000	3,167
Net charge-offs	$813,000	2,451
Cash dividends	$900,000	1,363
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$673,000	3,110
2009-06-30 (YTD Data)		Rank
Total interest income	$8,602,000	2,035
Total interest expense	$3,264,000	1,946
Net interest income	$5,338,000	2,053
Provision for loan and lease losses	$281,000	3,835
Total noninterest income	$1,179,000	1,941
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$327,000	2,356
Trading account gains and fees	$0	193
Additional Noninterest Income	$852,000	1,570
Total noninterest expense	$5,733,000	1,784
Salaries and employee benefits	$3,155,000	1,626
Premises and equipment expense	$686,000	2,007
Additional noninterest expense	$1,892,000	1,895
Pre-tax net operating income	$503,000	3,292
Securities gains (losses)	$7,000	2,683
Applicable income taxes	$-54,000	7,021
Income before extraordinary items	$564,000	2,870
Extraordinary gains, net	$0	21
Net income	$564,000	2,868
Minority interest net income	$0	112
Net income of bank and minority interests.	$564,000	2,870
Net charge-offs	$373,000	2,686
Cash dividends	$800,000	1,125
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$557,000	2,791
2009-03-31 (YTD Data)		Rank
Total interest income	$4,317,000	2,057
Total interest expense	$1,657,000	1,994
Net interest income	$2,660,000	2,057
Provision for loan and lease losses	$95,000	3,976
Total noninterest income	$541,000	2,015
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$157,000	2,370
Trading account gains and fees	$0	171
Additional Noninterest Income	$384,000	1,661
Total noninterest expense	$2,749,000	1,804
Salaries and employee benefits	$1,581,000	1,641
Premises and equipment expense	$330,000	2,110
Additional noninterest expense	$838,000	1,912
Pre-tax net operating income	$357,000	3,027
Securities gains (losses)	$2,000	2,230
Applicable income taxes	$23,000	3,465
Income before extraordinary items	$336,000	2,911
Extraordinary gains, net	$0	15
Net income	$336,000	2,912
Minority interest net income	$0	102
Net income of bank and minority interests.	$336,000	2,912
Net charge-offs	$208,000	2,099
Cash dividends	$350,000	1,223
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$334,120	2,787
2008-12-31 (YTD Data)		Rank
Total interest income	$18,845,000	2,021
Total interest expense	$7,747,000	2,027
Net interest income	$11,098,000	2,001
Provision for loan and lease losses	$394,000	4,161
Total noninterest income	$2,395,000	1,869
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$689,000	2,371
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,706,000	1,464
Total noninterest expense	$10,632,000	1,822
Salaries and employee benefits	$6,002,000	1,704
Premises and equipment expense	$1,217,000	2,214
Additional noninterest expense	$3,413,000	1,795
Pre-tax net operating income	$2,467,000	2,116
Securities gains (losses)	$33,000	1,871
Applicable income taxes	$553,000	1,744
Income before extraordinary items	$1,947,000	2,037
Extraordinary gains, net	$0	39
Net income	$1,947,000	2,039
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$189,000	4,162
Cash dividends	$1,750,000	1,515
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,921,260	2,179
2008-09-30 (YTD Data)		Rank
Total interest income	$14,460,000	2,016
Total interest expense	$6,033,000	2,041
Net interest income	$8,427,000	1,997
Provision for loan and lease losses	$152,000	4,602
Total noninterest income	$1,776,000	1,948
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$504,000	2,442
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,272,000	1,521
Total noninterest expense	$7,863,000	1,840
Salaries and employee benefits	$4,482,000	1,732
Premises and equipment expense	$896,000	2,267
Additional noninterest expense	$2,485,000	1,784
Pre-tax net operating income	$2,188,000	2,155
Securities gains (losses)	$34,000	1,677
Applicable income taxes	$537,000	1,811
Income before extraordinary items	$1,685,000	2,093
Extraordinary gains, net	$0	31
Net income	$1,685,000	2,091
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	3,320
Cash dividends	$1,350,000	1,432
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,659,160	2,230
2008-06-30 (YTD Data)		Rank
Total interest income	$9,762,000	2,024
Total interest expense	$4,186,000	2,056
Net interest income	$5,576,000	1,998
Provision for loan and lease losses	$77,000	4,635
Total noninterest income	$1,134,000	2,036
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$338,000	2,410
Trading account gains and fees	$0	149
Additional Noninterest Income	$796,000	1,642
Total noninterest expense	$5,177,000	1,856
Salaries and employee benefits	$2,983,000	1,754
Premises and equipment expense	$567,000	2,376
Additional noninterest expense	$1,627,000	1,785
Pre-tax net operating income	$1,456,000	2,256
Securities gains (losses)	$34,000	1,705
Applicable income taxes	$363,000	1,977
Income before extraordinary items	$1,127,000	2,327
Extraordinary gains, net	$0	21
Net income	$1,127,000	2,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	3,432
Cash dividends	$950,000	1,486
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,101,160	2,330
2008-03-31 (YTD Data)		Rank
Total interest income	$5,029,000	2,024
Total interest expense	$2,199,000	2,082
Net interest income	$2,830,000	1,977
Provision for loan and lease losses	$15,000	5,068
Total noninterest income	$564,000	2,051
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$165,000	2,426
Trading account gains and fees	$0	158
Additional Noninterest Income	$399,000	1,633
Total noninterest expense	$2,569,000	1,864
Salaries and employee benefits	$1,499,000	1,756
Premises and equipment expense	$284,000	2,376
Additional noninterest expense	$786,000	1,797
Pre-tax net operating income	$810,000	2,134
Securities gains (losses)	$13,000	1,848
Applicable income taxes	$184,000	2,079
Income before extraordinary items	$639,000	2,192
Extraordinary gains, net	$0	15
Net income	$639,000	2,195
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	2,367
Cash dividends	$550,000	1,253
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$628,860	2,147
2007-12-31 (YTD Data)		Rank
Total interest income	$20,240,000	2,074
Total interest expense	$9,014,000	2,109
Net interest income	$11,226,000	2,028
Provision for loan and lease losses	$298,000	3,219
Total noninterest income	$2,332,000	1,986
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$734,000	2,281
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,598,000	1,599
Total noninterest expense	$10,263,000	1,805
Salaries and employee benefits	$5,945,000	1,692
Premises and equipment expense	$1,200,000	2,162
Additional noninterest expense	$3,118,000	1,777
Pre-tax net operating income	$2,997,000	2,476
Securities gains (losses)	$0	2,146
Applicable income taxes	$782,000	2,167
Income before extraordinary items	$2,215,000	2,616
Extraordinary gains, net	$0	39
Net income	$2,215,000	2,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$186,000	2,951
Cash dividends	$1,900,000	1,670
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,215,000	2,607
2007-09-30 (YTD Data)		Rank
Total interest income	$15,104,000	2,084
Total interest expense	$6,642,000	2,132
Net interest income	$8,462,000	2,025
Provision for loan and lease losses	$225,000	2,782
Total noninterest income	$1,759,000	1,977
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$554,000	2,248
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,205,000	1,593
Total noninterest expense	$7,738,000	1,778
Salaries and employee benefits	$4,490,000	1,681
Premises and equipment expense	$918,000	2,112
Additional noninterest expense	$2,330,000	1,736
Pre-tax net operating income	$2,258,000	2,613
Securities gains (losses)	$0	1,655
Applicable income taxes	$579,000	2,344
Income before extraordinary items	$1,679,000	2,738
Extraordinary gains, net	$0	33
Net income	$1,679,000	2,736
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$143,000	2,369
Cash dividends	$1,500,000	1,491
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,679,000	2,717
2007-06-30 (YTD Data)		Rank
Total interest income	$9,884,000	2,129
Total interest expense	$4,252,000	2,212
Net interest income	$5,632,000	2,061
Provision for loan and lease losses	$150,000	2,579
Total noninterest income	$1,129,000	2,056
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$368,000	2,263
Trading account gains and fees	$0	168
Additional Noninterest Income	$761,000	1,669
Total noninterest expense	$5,176,000	1,789
Salaries and employee benefits	$3,000,000	1,709
Premises and equipment expense	$614,000	2,109
Additional noninterest expense	$1,562,000	1,746
Pre-tax net operating income	$1,435,000	2,762
Securities gains (losses)	$0	1,444
Applicable income taxes	$352,000	2,546
Income before extraordinary items	$1,083,000	2,862
Extraordinary gains, net	$0	29
Net income	$1,083,000	2,861
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	3,680
Cash dividends	$1,100,000	1,408
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,083,000	2,845
2007-03-31 (YTD Data)		Rank
Total interest income	$4,843,000	2,162
Total interest expense	$2,069,000	2,258
Net interest income	$2,774,000	2,095
Provision for loan and lease losses	$75,000	2,404
Total noninterest income	$537,000	2,110
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$175,000	2,297
Trading account gains and fees	$0	195
Additional Noninterest Income	$362,000	1,717
Total noninterest expense	$2,608,000	1,774
Salaries and employee benefits	$1,519,000	1,713
Premises and equipment expense	$315,000	2,063
Additional noninterest expense	$774,000	1,734
Pre-tax net operating income	$628,000	3,022
Securities gains (losses)	$0	1,187
Applicable income taxes	$148,000	2,755
Income before extraordinary items	$480,000	3,123
Extraordinary gains, net	$0	22
Net income	$480,000	3,123
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,049
Cash dividends	$700,000	1,071
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$480,000	3,098
2006-12-31 (YTD Data)		Rank
Total interest income	$18,757,000	2,100
Total interest expense	$7,462,000	2,171
Net interest income	$11,295,000	2,059
Provision for loan and lease losses	$125,000	4,315
Total noninterest income	$2,368,000	1,961
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$733,000	2,286
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,635,000	1,562
Total noninterest expense	$9,814,000	1,814
Salaries and employee benefits	$5,763,000	1,690
Premises and equipment expense	$1,209,000	2,069
Additional noninterest expense	$2,842,000	1,851
Pre-tax net operating income	$3,724,000	2,368
Securities gains (losses)	$25,000	848
Applicable income taxes	$1,020,000	2,165
Income before extraordinary items	$2,729,000	2,433
Extraordinary gains, net	$0	51
Net income	$2,729,000	2,435
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	4,095
Cash dividends	$2,000,000	1,524
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,710,750	2,431
2006-09-30 (YTD Data)		Rank
Total interest income	$13,930,000	2,111
Total interest expense	$5,405,000	2,179
Net interest income	$8,525,000	2,055
Provision for loan and lease losses	$225,000	2,598
Total noninterest income	$1,767,000	1,979
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$543,000	2,315
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,224,000	1,570
Total noninterest expense	$7,290,000	1,831
Salaries and employee benefits	$4,239,000	1,729
Premises and equipment expense	$914,000	2,061
Additional noninterest expense	$2,137,000	1,814
Pre-tax net operating income	$2,777,000	2,457
Securities gains (losses)	$0	1,388
Applicable income taxes	$745,000	2,307
Income before extraordinary items	$2,032,000	2,530
Extraordinary gains, net	$0	45
Net income	$2,032,000	2,532
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	3,378
Cash dividends	$1,500,000	1,427
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,032,000	2,522
2006-06-30 (YTD Data)		Rank
Total interest income	$9,160,000	2,100
Total interest expense	$3,425,000	2,173
Net interest income	$5,735,000	2,041
Provision for loan and lease losses	$150,000	2,563
Total noninterest income	$1,040,000	2,158
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$346,000	2,373
Trading account gains and fees	$0	126
Additional Noninterest Income	$694,000	1,775
Total noninterest expense	$4,794,000	1,853
Salaries and employee benefits	$2,803,000	1,749
Premises and equipment expense	$610,000	2,057
Additional noninterest expense	$1,381,000	1,883
Pre-tax net operating income	$1,831,000	2,479
Securities gains (losses)	$0	1,185
Applicable income taxes	$487,000	2,354
Income before extraordinary items	$1,344,000	2,545
Extraordinary gains, net	$0	39
Net income	$1,344,000	2,548
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	3,137
Cash dividends	$1,200,000	1,237
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,344,000	2,526
2006-03-31 (YTD Data)		Rank
Total interest income	$4,519,000	2,084
Total interest expense	$1,612,000	2,188
Net interest income	$2,907,000	1,997
Provision for loan and lease losses	$75,000	2,394
Total noninterest income	$482,000	2,237
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$158,000	2,487
Trading account gains and fees	$0	115
Additional Noninterest Income	$324,000	1,829
Total noninterest expense	$2,362,000	1,885
Salaries and employee benefits	$1,402,000	1,748
Premises and equipment expense	$303,000	2,079
Additional noninterest expense	$657,000	1,978
Pre-tax net operating income	$952,000	2,362
Securities gains (losses)	$0	955
Applicable income taxes	$250,000	2,275
Income before extraordinary items	$702,000	2,435
Extraordinary gains, net	$0	21
Net income	$702,000	2,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	1,941
Cash dividends	$300,000	1,914
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$702,000	2,413
2005-12-31 (YTD Data)		Rank
Total interest income	$16,814,000	1,992
Total interest expense	$5,128,000	2,151
Net interest income	$11,686,000	1,892
Provision for loan and lease losses	$559,000	1,742
Total noninterest income	$1,997,000	2,212
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$732,000	2,269
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,265,000	1,886
Total noninterest expense	$9,152,000	1,854
Salaries and employee benefits	$5,123,000	1,821
Premises and equipment expense	$1,265,000	1,907
Additional noninterest expense	$2,764,000	1,827
Pre-tax net operating income	$3,972,000	2,236
Securities gains (losses)	$-4,000	7,217
Applicable income taxes	$1,085,000	2,151
Income before extraordinary items	$2,883,000	2,331
Extraordinary gains, net	$0	46
Net income	$2,883,000	2,332
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$434,000	1,308
Cash dividends	$1,200,000	2,126
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,885,920	2,295
2005-09-30 (YTD Data)		Rank
Total interest income	$12,386,000	1,972
Total interest expense	$3,686,000	2,125
Net interest income	$8,700,000	1,885
Provision for loan and lease losses	$412,000	1,677
Total noninterest income	$1,495,000	2,215
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$551,000	2,254
Trading account gains and fees	$0	126
Additional Noninterest Income	$944,000	1,890
Total noninterest expense	$6,762,000	1,853
Salaries and employee benefits	$3,819,000	1,818
Premises and equipment expense	$917,000	1,961
Additional noninterest expense	$2,026,000	1,843
Pre-tax net operating income	$3,021,000	2,226
Securities gains (losses)	$0	2,317
Applicable income taxes	$831,000	2,140
Income before extraordinary items	$2,190,000	2,327
Extraordinary gains, net	$0	35
Net income	$2,190,000	2,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$420,000	963
Cash dividends	$900,000	1,943
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$2,190,000	2,290
2005-06-30 (YTD Data)		Rank
Total interest income	$8,082,000	1,956
Total interest expense	$2,363,000	2,086
Net interest income	$5,719,000	1,896
Provision for loan and lease losses	$275,000	1,648
Total noninterest income	$918,000	2,322
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$350,000	2,311
Trading account gains and fees	$0	116
Additional Noninterest Income	$568,000	2,009
Total noninterest expense	$4,389,000	1,887
Salaries and employee benefits	$2,513,000	1,822
Premises and equipment expense	$569,000	2,073
Additional noninterest expense	$1,307,000	1,883
Pre-tax net operating income	$1,973,000	2,214
Securities gains (losses)	$0	2,146
Applicable income taxes	$539,000	2,153
Income before extraordinary items	$1,434,000	2,306
Extraordinary gains, net	$0	30
Net income	$1,434,000	2,306
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$365,000	769
Cash dividends	$600,000	1,914
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,434,000	2,274
2005-03-31 (YTD Data)		Rank
Total interest income	$3,907,000	1,992
Total interest expense	$1,133,000	2,080
Net interest income	$2,774,000	1,940
Provision for loan and lease losses	$137,000	1,579
Total noninterest income	$419,000	2,420
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$172,000	2,285
Trading account gains and fees	$0	115
Additional Noninterest Income	$247,000	2,171
Total noninterest expense	$2,114,000	1,954
Salaries and employee benefits	$1,247,000	1,842
Premises and equipment expense	$266,000	2,230
Additional noninterest expense	$601,000	2,038
Pre-tax net operating income	$942,000	2,268
Securities gains (losses)	$0	1,685
Applicable income taxes	$255,000	2,240
Income before extraordinary items	$687,000	2,360
Extraordinary gains, net	$0	24
Net income	$687,000	2,361
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	3,609
Cash dividends	$300,000	1,719
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$687,000	2,323
2004-12-31 (YTD Data)		Rank
Total interest income	$14,772,000	1,926
Total interest expense	$4,310,000	1,889
Net interest income	$10,462,000	1,944
Provision for loan and lease losses	$300,000	2,900
Total noninterest income	$1,876,000	2,296
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$669,000	2,480
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,207,000	1,899
Total noninterest expense	$8,846,000	1,829
Salaries and employee benefits	$5,318,000	1,656
Premises and equipment expense	$978,000	2,337
Additional noninterest expense	$2,550,000	1,910
Pre-tax net operating income	$3,192,000	2,451
Securities gains (losses)	$246,000	727
Applicable income taxes	$890,000	2,360
Income before extraordinary items	$2,548,000	2,394
Extraordinary gains, net	$0	34
Net income	$2,548,000	2,396
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$169,000	2,856
Cash dividends	$750,000	2,828
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,365,960	2,492
2004-09-30 (YTD Data)		Rank
Total interest income	$10,924,000	1,934
Total interest expense	$3,186,000	1,883
Net interest income	$7,738,000	1,947
Provision for loan and lease losses	$225,000	2,754
Total noninterest income	$1,358,000	2,364
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$481,000	2,586
Trading account gains and fees	$0	134
Additional Noninterest Income	$877,000	1,951
Total noninterest expense	$6,669,000	1,812
Salaries and employee benefits	$4,047,000	1,637
Premises and equipment expense	$736,000	2,327
Additional noninterest expense	$1,886,000	1,908
Pre-tax net operating income	$2,202,000	2,655
Securities gains (losses)	$170,000	853
Applicable income taxes	$577,000	2,644
Income before extraordinary items	$1,795,000	2,565
Extraordinary gains, net	$0	26
Net income	$1,795,000	2,567
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$114,000	2,637
Cash dividends	$600,000	2,394
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,665,800	2,655
2004-06-30 (YTD Data)		Rank
Total interest income	$7,210,000	1,940
Total interest expense	$2,117,000	1,867
Net interest income	$5,093,000	1,953
Provision for loan and lease losses	$150,000	2,691
Total noninterest income	$855,000	2,478
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$302,000	2,697
Trading account gains and fees	$0	130
Additional Noninterest Income	$553,000	2,034
Total noninterest expense	$4,476,000	1,786
Salaries and employee benefits	$2,785,000	1,582
Premises and equipment expense	$490,000	2,331
Additional noninterest expense	$1,201,000	1,996
Pre-tax net operating income	$1,322,000	2,869
Securities gains (losses)	$155,000	771
Applicable income taxes	$375,000	2,674
Income before extraordinary items	$1,102,000	2,710
Extraordinary gains, net	$0	21
Net income	$1,102,000	2,711
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	2,185
Cash dividends	$450,000	2,291
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$985,750	2,883
2004-03-31 (YTD Data)		Rank
Total interest income	$3,583,000	1,958
Total interest expense	$1,064,000	1,875
Net interest income	$2,519,000	1,979
Provision for loan and lease losses	$75,000	2,550
Total noninterest income	$369,000	2,688
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$138,000	2,841
Trading account gains and fees	$0	121
Additional Noninterest Income	$231,000	2,252
Total noninterest expense	$2,275,000	1,779
Salaries and employee benefits	$1,467,000	1,516
Premises and equipment expense	$254,000	2,268
Additional noninterest expense	$554,000	2,140
Pre-tax net operating income	$538,000	3,341
Securities gains (losses)	$155,000	610
Applicable income taxes	$180,000	2,752
Income before extraordinary items	$513,000	2,882
Extraordinary gains, net	$0	16
Net income	$513,000	2,882
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	1,678
Cash dividends	$300,000	1,707
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$398,300	3,416
2003-12-31 (YTD Data)		Rank
Total interest income	$14,304,000	1,978
Total interest expense	$4,766,000	1,879
Net interest income	$9,538,000	2,051
Provision for loan and lease losses	$312,000	3,076
Total noninterest income	$1,945,000	2,362
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$599,000	2,691
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,346,000	1,965
Total noninterest expense	$8,350,000	1,901
Salaries and employee benefits	$4,902,000	1,750
Premises and equipment expense	$935,000	2,402
Additional noninterest expense	$2,513,000	1,917
Pre-tax net operating income	$2,821,000	2,636
Securities gains (losses)	$371,000	917
Applicable income taxes	$834,000	2,465
Income before extraordinary items	$2,358,000	2,507
Extraordinary gains, net	$0	54
Net income	$2,358,000	2,511
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,000	3,940
Cash dividends	$1,275,000	1,969
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,083,460	2,647
2003-09-30 (YTD Data)		Rank
Total interest income	$10,754,000	2,013
Total interest expense	$3,641,000	1,920
Net interest income	$7,113,000	2,076
Provision for loan and lease losses	$234,000	2,995
Total noninterest income	$1,529,000	2,326
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$451,000	2,702
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,078,000	1,945
Total noninterest expense	$6,252,000	1,898
Salaries and employee benefits	$3,673,000	1,769
Premises and equipment expense	$689,000	2,454
Additional noninterest expense	$1,890,000	1,897
Pre-tax net operating income	$2,156,000	2,688
Securities gains (losses)	$54,000	2,255
Applicable income taxes	$518,000	2,963
Income before extraordinary items	$1,692,000	2,695
Extraordinary gains, net	$0	40
Net income	$1,692,000	2,694
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	3,593
Cash dividends	$950,000	1,814
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,650,420	2,609
2003-06-30 (YTD Data)		Rank
Total interest income	$7,273,000	1,998
Total interest expense	$2,496,000	1,929
Net interest income	$4,777,000	2,047
Provision for loan and lease losses	$156,000	2,937
Total noninterest income	$1,054,000	2,268
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$297,000	2,671
Trading account gains and fees	$0	150
Additional Noninterest Income	$757,000	1,865
Total noninterest expense	$4,160,000	1,900
Salaries and employee benefits	$2,434,000	1,765
Premises and equipment expense	$465,000	2,402
Additional noninterest expense	$1,261,000	1,904
Pre-tax net operating income	$1,515,000	2,567
Securities gains (losses)	$25,000	2,481
Applicable income taxes	$388,000	2,749
Income before extraordinary items	$1,152,000	2,673
Extraordinary gains, net	$0	30
Net income	$1,152,000	2,671
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	3,310
Cash dividends	$625,000	1,832
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,133,250	2,545
2003-03-31 (YTD Data)		Rank
Total interest income	$3,669,000	1,992
Total interest expense	$1,268,000	1,948
Net interest income	$2,402,000	2,034
Provision for loan and lease losses	$78,000	2,765
Total noninterest income	$454,000	2,458
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$138,000	2,749
Trading account gains and fees	$0	134
Additional Noninterest Income	$316,000	2,039
Total noninterest expense	$2,052,000	1,910
Salaries and employee benefits	$1,195,000	1,792
Premises and equipment expense	$240,000	2,320
Additional noninterest expense	$617,000	1,905
Pre-tax net operating income	$726,000	2,661
Securities gains (losses)	$21,000	1,872
Applicable income taxes	$208,000	2,624
Income before extraordinary items	$539,000	2,785
Extraordinary gains, net	$0	21
Net income	$539,000	2,782
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	2,460
Cash dividends	$300,000	1,748
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$523,880	2,707
2002-12-31 (YTD Data)		Rank
Total interest income	$15,181,000	2,027
Total interest expense	$5,391,000	2,082
Net interest income	$9,790,000	1,979
Provision for loan and lease losses	$471,000	2,500
Total noninterest income	$1,453,000	2,679
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$541,000	2,785
Trading account gains and fees	$0	153
Additional Noninterest Income	$912,000	2,306
Total noninterest expense	$7,326,000	2,051
Salaries and employee benefits	$4,209,000	1,915
Premises and equipment expense	$798,000	2,689
Additional noninterest expense	$2,319,000	1,999
Pre-tax net operating income	$3,446,000	2,233
Securities gains (losses)	$3,000	4,139
Applicable income taxes	$964,000	2,269
Income before extraordinary items	$2,485,000	2,368
Extraordinary gains, net	$0	70
Net income	$2,485,000	2,367
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$267,000	2,546
Cash dividends	$1,225,000	1,914
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,482,840	2,290
2001-12-31 (YTD Data)		Rank
Total interest income	$15,873,000	2,173
Total interest expense	$7,321,000	2,192
Net interest income	$8,552,000	2,088
Provision for loan and lease losses	$325,000	3,038
Total noninterest income	$1,252,000	2,843
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$460,000	3,041
Trading account gains and fees	$0	177
Additional Noninterest Income	$792,000	2,404
Total noninterest expense	$6,579,000	2,184
Salaries and employee benefits	$3,671,000	2,053
Premises and equipment expense	$914,000	2,332
Additional noninterest expense	$1,994,000	2,249
Pre-tax net operating income	$2,900,000	2,334
Securities gains (losses)	$22,000	3,077
Applicable income taxes	$810,000	2,402
Income before extraordinary items	$2,112,000	2,406
Extraordinary gains, net	$0	105
Net income	$2,112,000	2,410
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$202,000	2,842
Cash dividends	$2,070,000	1,284
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,096,160	2,346
2000-12-31 (YTD Data)		Rank
Total interest income	$15,495,000	2,268
Total interest expense	$8,303,000	2,071
Net interest income	$7,192,000	2,470
Provision for loan and lease losses	$250,000	3,225
Total noninterest income	$984,000	3,175
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$365,000	3,473
Trading account gains and fees	$0	180
Additional Noninterest Income	$619,000	2,588
Total noninterest expense	$5,810,000	2,357
Salaries and employee benefits	$3,128,000	2,275
Premises and equipment expense	$662,000	3,017
Additional noninterest expense	$2,020,000	2,135
Pre-tax net operating income	$2,116,000	3,180
Securities gains (losses)	$54,000	703
Applicable income taxes	$563,000	3,239
Income before extraordinary items	$1,607,000	3,073
Extraordinary gains, net	$0	38
Net income	$1,607,000	3,071
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	4,010
Cash dividends	$975,000	2,348
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,567,040	3,140
1999-12-31 (YTD Data)		Rank
Total interest income	$14,156,000	2,302
Total interest expense	$6,532,000	2,257
Net interest income	$7,624,000	2,313
Provision for loan and lease losses	$335,000	2,438
Total noninterest income	$1,516,000	2,282
Gross Fiduciary activities income	$529,000	621
Service charges on deposit accounts	$353,000	3,546
Trading account gains and fees	$0	173
Additional Noninterest Income	$634,000	2,541
Total noninterest expense	$5,854,000	2,327
Salaries and employee benefits	$2,954,000	2,376
Premises and equipment expense	$727,000	2,778
Additional noninterest expense	$2,173,000	2,005
Pre-tax net operating income	$2,951,000	2,447
Securities gains (losses)	$35,000	1,127
Applicable income taxes	$759,000	2,749
Income before extraordinary items	$2,227,000	2,330
Extraordinary gains, net	$0	35
Net income	$2,227,000	2,331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	2,869
Cash dividends	$850,000	2,559
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,200,750	2,341
1998-12-31 (YTD Data)		Rank
Total interest income	$13,733,000	2,371
Total interest expense	$7,066,000	2,145
Net interest income	$6,667,000	2,556
Provision for loan and lease losses	$208,000	3,440
Total noninterest income	$1,465,000	2,306
Gross Fiduciary activities income	$495,000	640
Service charges on deposit accounts	$321,000	3,726
Trading account gains and fees	$0	224
Additional Noninterest Income	$649,000	2,514
Total noninterest expense	$5,612,000	2,339
Salaries and employee benefits	$2,708,000	2,493
Premises and equipment expense	$725,000	2,692
Additional noninterest expense	$2,179,000	1,939
Pre-tax net operating income	$2,312,000	2,975
Securities gains (losses)	$205,000	905
Applicable income taxes	$557,000	3,590
Income before extraordinary items	$1,960,000	2,602
Extraordinary gains, net	$0	32
Net income	$1,960,000	2,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	4,698
Cash dividends	$1,819,000	1,442
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,800,100	2,714
1997-12-31 (YTD Data)		Rank
Total interest income	$12,321,000	2,654
Total interest expense	$6,225,000	2,420
Net interest income	$6,096,000	2,861
Provision for loan and lease losses	$203,000	3,406
Total noninterest income	$1,186,000	2,656
Gross Fiduciary activities income	$538,000	627
Service charges on deposit accounts	$232,000	4,890
Trading account gains and fees	$0	239
Additional Noninterest Income	$416,000	3,210
Total noninterest expense	$4,475,000	2,837
Salaries and employee benefits	$2,209,000	2,997
Premises and equipment expense	$583,000	3,233
Additional noninterest expense	$1,683,000	2,451
Pre-tax net operating income	$2,604,000	2,814
Securities gains (losses)	$3,000	3,097
Applicable income taxes	$647,000	3,465
Income before extraordinary items	$1,960,000	2,629
Extraordinary gains, net	$0	44
Net income	$1,960,000	2,628
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$362,000	1,722
Cash dividends	$1,723,000	1,457
Sale, conversion, retirement of capital stock, net	$164,000	702
Net operating income	$1,957,750	2,588
1996-12-31 (YTD Data)		Rank
Total interest income	$11,870,000	2,778
Total interest expense	$6,106,000	2,511
Net interest income	$5,764,000	3,071
Provision for loan and lease losses	$305,000	2,532
Total noninterest income	$1,025,000	3,063
Gross Fiduciary activities income	$407,000	768
Service charges on deposit accounts	$231,000	5,100
Trading account gains and fees	$0	262
Additional Noninterest Income	$387,000	3,469
Total noninterest expense	$4,164,000	3,227
Salaries and employee benefits	$2,075,000	3,222
Premises and equipment expense	$586,000	3,281
Additional noninterest expense	$1,503,000	3,111
Pre-tax net operating income	$2,320,000	3,013
Securities gains (losses)	$54,000	1,285
Applicable income taxes	$542,000	3,889
Income before extraordinary items	$1,832,000	2,658
Extraordinary gains, net	$0	53
Net income	$1,832,000	2,660
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$210,000	2,601
Cash dividends	$642,000	2,912
Sale, conversion, retirement of capital stock, net	$-167,000	11,369
Net operating income	$1,790,420	2,667
1995-12-31 (YTD Data)		Rank
Total interest income	$11,474,000	2,903
Total interest expense	$6,540,000	2,376
Net interest income	$4,934,000	3,587
Provision for loan and lease losses	$58,000	5,942
Total noninterest income	$842,000	3,540
Gross Fiduciary activities income	$352,000	841
Service charges on deposit accounts	$243,000	5,038
Trading account gains and fees	$0	522
Additional Noninterest Income	$247,000	4,518
Total noninterest expense	$3,890,000	3,416
Salaries and employee benefits	$1,876,000	3,517
Premises and equipment expense	$544,000	3,491
Additional noninterest expense	$1,470,000	3,140
Pre-tax net operating income	$1,828,000	3,794
Securities gains (losses)	$57,000	1,220
Applicable income taxes	$361,000	5,312
Income before extraordinary items	$1,524,000	3,203
Extraordinary gains, net	$0	65
Net income	$1,524,000	3,200
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,000	3,878
Cash dividends	$554,000	3,095
Sale, conversion, retirement of capital stock, net	$243,000	461
Net operating income	$1,477,830	3,266
1994-12-31 (YTD Data)		Rank
Total interest income	$10,264,000	2,969
Total interest expense	$5,582,000	2,229
Net interest income	$4,682,000	3,785
Provision for loan and lease losses	$90,000	4,765
Total noninterest income	$732,000	3,978
Gross Fiduciary activities income	$339,000	856
Service charges on deposit accounts	$216,000	5,574
Trading account gains and fees	$0	475
Additional Noninterest Income	$177,000	5,670
Total noninterest expense	$3,596,000	3,757
Salaries and employee benefits	$1,746,000	3,736
Premises and equipment expense	$471,000	4,002
Additional noninterest expense	$1,379,000	3,581
Pre-tax net operating income	$1,728,000	3,901
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$349,000	5,287
Income before extraordinary items	$1,378,000	3,412
Extraordinary gains, net	$0	249
Net income	$1,378,000	3,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$178,000	2,695
Cash dividends	$528,000	3,069
Sale, conversion, retirement of capital stock, net	$293,000	633
Net operating income	$1,378,800	3,441
1993-12-31 (YTD Data)		Rank
Total interest income	$9,201,000	3,357
Total interest expense	$4,522,000	2,849
Net interest income	$4,679,000	3,797
Provision for loan and lease losses	$190,000	4,040
Total noninterest income	$630,000	4,797
Gross Fiduciary activities income	$258,000	993
Service charges on deposit accounts	$207,000	5,846
Trading account gains and fees	$0	532
Additional Noninterest Income	$165,000	6,257
Total noninterest expense	$3,213,000	4,247
Salaries and employee benefits	$1,575,000	4,094
Premises and equipment expense	$414,000	4,588
Additional noninterest expense	$1,224,000	4,122
Pre-tax net operating income	$1,906,000	3,475
Securities gains (losses)	$74,000	2,889
Applicable income taxes	$470,000	4,408
Income before extraordinary items	$1,510,000	3,237
Extraordinary gains, net	$0	3,149
Net income	$1,510,000	3,333
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$179,000	3,338
Cash dividends	$477,000	3,239
Sale, conversion, retirement of capital stock, net	$235,000	752
Net operating income	$1,453,760	3,154
1992-12-31 (YTD Data)		Rank
Total interest income	$8,804,000	3,939
Total interest expense	$4,447,000	3,685
Net interest income	$4,357,000	4,123
Provision for loan and lease losses	$400,000	3,453
Total noninterest income	$555,000	5,259
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$181,000	6,372
Trading account gains and fees	NA	NA
Additional Noninterest Income	$374,000	3,857
Total noninterest expense	$2,860,000	4,729
Salaries and employee benefits	$1,418,000	4,445
Premises and equipment expense	$340,000	5,484
Additional noninterest expense	$1,102,000	4,679
Pre-tax net operating income	$1,652,000	3,714
Securities gains (losses)	$25,000	5,285
Applicable income taxes	$375,000	5,040
Income before extraordinary items	$1,302,000	3,526
Extraordinary gains, net	$0	1,422
Net income	$1,302,000	3,570
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$263,000	3,613
Cash dividends	$437,000	3,117
Sale, conversion, retirement of capital stock, net	$259,000	680
Net operating income	$1,282,500	3,318

* 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.