Home > Wellesley Bank > Income and Expense

Wellesley Bank, Income and Expense

2020-03-31 (YTD Data)		Rank
Total interest income	$10,261,000	828
Total interest expense	$2,715,000	595
Net interest income	$7,546,000	903
Provision for loan and lease losses	$555,000	835
Total noninterest income	$902,000	1,375
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$28,000	3,703
Trading account gains and fees	NA	NA
Additional Noninterest Income	$874,000	1,074
Total noninterest expense	$5,044,000	1,097
Salaries and employee benefits	$3,089,000	1,043
Premises and equipment expense	$925,000	691
Additional noninterest expense	$1,030,000	1,479
Pre-tax net operating income	$2,849,000	768
Securities gains (losses)	$0	1,705
Applicable income taxes	$785,000	546
Income before extraordinary items	$2,064,000	909
Extraordinary gains, net	$0	4
Net income	$2,064,000	909
Minority interest net income	$0	56
Net income of bank and minority interests.	$2,064,000	909
Net charge-offs	$0	2,581
Cash dividends	$500,000	1,256
Sale, conversion, retirement of capital stock, net	$121,000	227
Net operating income	$2,064,000	898
2019-12-31 (YTD Data)		Rank
Total interest income	$40,290,000	851
Total interest expense	$12,625,000	560
Net interest income	$27,665,000	965
Provision for loan and lease losses	$915,000	959
Total noninterest income	$3,121,000	1,525
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$90,000	4,025
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,031,000	1,188
Total noninterest expense	$19,643,000	1,107
Salaries and employee benefits	$11,755,000	1,059
Premises and equipment expense	$3,410,000	739
Additional noninterest expense	$4,478,000	1,368
Pre-tax net operating income	$10,228,000	1,042
Securities gains (losses)	$9,000	1,922
Applicable income taxes	$2,795,000	725
Income before extraordinary items	$7,442,000	1,186
Extraordinary gains, net	$0	11
Net income	$7,442,000	1,187
Minority interest net income	$0	76
Net income of bank and minority interests.	$7,442,000	1,188
Net charge-offs	$0	3,726
Cash dividends	$850,000	2,521
Sale, conversion, retirement of capital stock, net	$418,000	308
Net operating income	$7,434,890	1,167
2019-09-30 (YTD Data)		Rank
Total interest income	$30,043,000	861
Total interest expense	$9,550,000	562
Net interest income	$20,493,000	975
Provision for loan and lease losses	$480,000	1,191
Total noninterest income	$2,530,000	1,467
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$65,000	4,115
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,465,000	1,113
Total noninterest expense	$14,665,000	1,108
Salaries and employee benefits	$8,833,000	1,053
Premises and equipment expense	$2,546,000	745
Additional noninterest expense	$3,286,000	1,409
Pre-tax net operating income	$7,878,000	1,033
Securities gains (losses)	$8,000	1,718
Applicable income taxes	$2,144,000	744
Income before extraordinary items	$5,742,000	1,179
Extraordinary gains, net	$0	11
Net income	$5,742,000	1,180
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,742,000	1,181
Net charge-offs	$0	3,455
Cash dividends	$250,000	2,980
Sale, conversion, retirement of capital stock, net	$305,000	281
Net operating income	$5,735,680	1,161
2019-06-30 (YTD Data)		Rank
Total interest income	$19,519,000	873
Total interest expense	$6,074,000	583
Net interest income	$13,445,000	986
Provision for loan and lease losses	$410,000	989
Total noninterest income	$1,569,000	1,489
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$41,000	4,186
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,528,000	1,145
Total noninterest expense	$9,916,000	1,093
Salaries and employee benefits	$5,883,000	1,046
Premises and equipment expense	$1,670,000	766
Additional noninterest expense	$2,363,000	1,322
Pre-tax net operating income	$4,688,000	1,101
Securities gains (losses)	$0	1,702
Applicable income taxes	$1,273,000	766
Income before extraordinary items	$3,415,000	1,253
Extraordinary gains, net	$0	11
Net income	$3,415,000	1,253
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,415,000	1,253
Net charge-offs	$0	3,172
Cash dividends	$250,000	2,705
Sale, conversion, retirement of capital stock, net	$203,000	273
Net operating income	$3,415,000	1,233
2019-03-31 (YTD Data)		Rank
Total interest income	$9,430,000	893
Total interest expense	$2,846,000	601
Net interest income	$6,584,000	1,006
Provision for loan and lease losses	$240,000	816
Total noninterest income	$680,000	1,599
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$19,000	4,268
Trading account gains and fees	NA	NA
Additional Noninterest Income	$661,000	1,214
Total noninterest expense	$4,843,000	1,107
Salaries and employee benefits	$2,899,000	1,066
Premises and equipment expense	$817,000	791
Additional noninterest expense	$1,127,000	1,368
Pre-tax net operating income	$2,181,000	1,140
Securities gains (losses)	$0	1,087
Applicable income taxes	$587,000	790
Income before extraordinary items	$1,594,000	1,303
Extraordinary gains, net	$0	5
Net income	$1,594,000	1,300
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,594,000	1,302
Net charge-offs	$0	2,740
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$96,000	239
Net operating income	$1,594,000	1,282
2018-12-31 (YTD Data)		Rank
Total interest income	$33,638,000	933
Total interest expense	$8,345,000	608
Net interest income	$25,293,000	1,021
Provision for loan and lease losses	$585,000	1,322
Total noninterest income	$2,621,000	1,691
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$73,000	4,432
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,548,000	1,278
Total noninterest expense	$17,578,000	1,174
Salaries and employee benefits	$10,307,000	1,146
Premises and equipment expense	$2,995,000	839
Additional noninterest expense	$4,276,000	1,416
Pre-tax net operating income	$9,751,000	1,053
Securities gains (losses)	$0	1,125
Applicable income taxes	$2,658,000	719
Income before extraordinary items	$7,093,000	1,198
Extraordinary gains, net	$0	6
Net income	$7,093,000	1,197
Minority interest net income	$0	72
Net income of bank and minority interests.	$7,093,000	1,197
Net charge-offs	$0	3,782
Cash dividends	$650,000	2,708
Sale, conversion, retirement of capital stock, net	$406,000	317
Net operating income	$7,093,000	1,199
2018-09-30 (YTD Data)		Rank
Total interest income	$24,618,000	941
Total interest expense	$5,808,000	614
Net interest income	$18,810,000	1,023
Provision for loan and lease losses	$390,000	1,357
Total noninterest income	$1,812,000	1,798
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$55,000	4,480
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,757,000	1,365
Total noninterest expense	$12,957,000	1,190
Salaries and employee benefits	$7,641,000	1,158
Premises and equipment expense	$2,198,000	853
Additional noninterest expense	$3,118,000	1,463
Pre-tax net operating income	$7,275,000	1,071
Securities gains (losses)	$0	1,118
Applicable income taxes	$1,968,000	738
Income before extraordinary items	$5,307,000	1,203
Extraordinary gains, net	$0	5
Net income	$5,307,000	1,202
Minority interest net income	$0	66
Net income of bank and minority interests.	$5,307,000	1,202
Net charge-offs	$0	3,489
Cash dividends	$250,000	2,964
Sale, conversion, retirement of capital stock, net	$305,000	301
Net operating income	$5,307,000	1,197
2018-06-30 (YTD Data)		Rank
Total interest income	$16,001,000	953
Total interest expense	$3,605,000	613
Net interest income	$12,396,000	1,038
Provision for loan and lease losses	$260,000	1,308
Total noninterest income	$1,240,000	1,762
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$38,000	4,488
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,202,000	1,358
Total noninterest expense	$8,613,000	1,198
Salaries and employee benefits	$5,129,000	1,160
Premises and equipment expense	$1,415,000	885
Additional noninterest expense	$2,069,000	1,467
Pre-tax net operating income	$4,763,000	1,068
Securities gains (losses)	$0	961
Applicable income taxes	$1,296,000	727
Income before extraordinary items	$3,467,000	1,197
Extraordinary gains, net	$0	6
Net income	$3,467,000	1,196
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,467,000	1,196
Net charge-offs	$0	3,209
Cash dividends	$250,000	2,633
Sale, conversion, retirement of capital stock, net	$197,000	288
Net operating income	$3,467,000	1,191
2018-03-31 (YTD Data)		Rank
Total interest income	$7,839,000	960
Total interest expense	$1,672,000	620
Net interest income	$6,167,000	1,041
Provision for loan and lease losses	$65,000	1,845
Total noninterest income	$585,000	1,818
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$18,000	4,565
Trading account gains and fees	NA	NA
Additional Noninterest Income	$567,000	1,392
Total noninterest expense	$4,300,000	1,201
Salaries and employee benefits	$2,574,000	1,159
Premises and equipment expense	$716,000	879
Additional noninterest expense	$1,010,000	1,497
Pre-tax net operating income	$2,387,000	1,031
Securities gains (losses)	$0	735
Applicable income taxes	$653,000	708
Income before extraordinary items	$1,734,000	1,174
Extraordinary gains, net	$0	7
Net income	$1,734,000	1,173
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,734,000	1,174
Net charge-offs	$0	2,722
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$93,000	258
Net operating income	$1,734,000	1,165
2017-12-31 (YTD Data)		Rank
Total interest income	$28,367,000	1,012
Total interest expense	$5,117,000	667
Net interest income	$23,250,000	1,073
Provision for loan and lease losses	$735,000	1,116
Total noninterest income	$2,011,000	2,016
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$63,000	4,805
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,948,000	1,564
Total noninterest expense	$15,933,000	1,252
Salaries and employee benefits	$9,323,000	1,226
Premises and equipment expense	$2,771,000	885
Additional noninterest expense	$3,839,000	1,577
Pre-tax net operating income	$8,593,000	1,116
Securities gains (losses)	$0	2,243
Applicable income taxes	$4,202,000	749
Income before extraordinary items	$4,391,000	1,500
Extraordinary gains, net	$0	9
Net income	$4,391,000	1,500
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,391,000	1,500
Net charge-offs	$14,000	3,567
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$349,000	336
Net operating income	$4,391,000	1,486
2017-09-30 (YTD Data)		Rank
Total interest income	$20,657,000	1,037
Total interest expense	$3,655,000	677
Net interest income	$17,002,000	1,100
Provision for loan and lease losses	$373,000	1,424
Total noninterest income	$1,493,000	2,059
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$45,000	4,892
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,448,000	1,590
Total noninterest expense	$11,811,000	1,277
Salaries and employee benefits	$6,904,000	1,244
Premises and equipment expense	$2,122,000	874
Additional noninterest expense	$2,785,000	1,605
Pre-tax net operating income	$6,311,000	1,166
Securities gains (losses)	$0	2,274
Applicable income taxes	$2,439,000	796
Income before extraordinary items	$3,872,000	1,414
Extraordinary gains, net	$0	9
Net income	$3,872,000	1,412
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,872,000	1,414
Net charge-offs	$12,000	3,191
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$260,000	316
Net operating income	$3,872,000	1,390
2017-06-30 (YTD Data)		Rank
Total interest income	$13,353,000	1,052
Total interest expense	$2,312,000	692
Net interest income	$11,041,000	1,112
Provision for loan and lease losses	$123,000	2,031
Total noninterest income	$982,000	2,075
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$29,000	4,945
Trading account gains and fees	NA	NA
Additional Noninterest Income	$953,000	1,594
Total noninterest expense	$7,962,000	1,268
Salaries and employee benefits	$4,711,000	1,230
Premises and equipment expense	$1,426,000	871
Additional noninterest expense	$1,825,000	1,629
Pre-tax net operating income	$3,938,000	1,209
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,522,000	817
Income before extraordinary items	$2,416,000	1,466
Extraordinary gains, net	$0	11
Net income	$2,416,000	1,465
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,416,000	1,466
Net charge-offs	$12,000	2,827
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$175,000	294
Net operating income	$2,416,000	1,449
2017-03-31 (YTD Data)		Rank
Total interest income	$6,487,000	1,073
Total interest expense	$1,123,000	693
Net interest income	$5,364,000	1,131
Provision for loan and lease losses	$0	3,537
Total noninterest income	$527,000	1,975
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$14,000	4,999
Trading account gains and fees	NA	NA
Additional Noninterest Income	$513,000	1,506
Total noninterest expense	$3,994,000	1,278
Salaries and employee benefits	$2,415,000	1,210
Premises and equipment expense	$703,000	891
Additional noninterest expense	$876,000	1,692
Pre-tax net operating income	$1,897,000	1,226
Securities gains (losses)	$0	1,153
Applicable income taxes	$733,000	822
Income before extraordinary items	$1,164,000	1,495
Extraordinary gains, net	$0	8
Net income	$1,164,000	1,495
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,164,000	1,495
Net charge-offs	$12,000	2,133
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$88,000	264
Net operating income	$1,164,000	1,477
2016-12-31 (YTD Data)		Rank
Total interest income	$24,804,000	1,080
Total interest expense	$4,333,000	679
Net interest income	$20,471,000	1,145
Provision for loan and lease losses	$438,000	1,612
Total noninterest income	$1,721,000	2,308
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$52,000	5,138
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,669,000	1,760
Total noninterest expense	$15,228,000	1,310
Salaries and employee benefits	$8,996,000	1,249
Premises and equipment expense	$2,860,000	859
Additional noninterest expense	$3,372,000	1,779
Pre-tax net operating income	$6,526,000	1,307
Securities gains (losses)	$16,000	2,474
Applicable income taxes	$2,497,000	893
Income before extraordinary items	$4,045,000	1,639
Extraordinary gains, net	$0	5
Net income	$4,045,000	1,636
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,045,000	1,638
Net charge-offs	$117,000	2,469
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$270,000	360
Net operating income	$4,034,760	1,610
2016-09-30 (YTD Data)		Rank
Total interest income	$18,394,000	1,094
Total interest expense	$3,196,000	690
Net interest income	$15,198,000	1,159
Provision for loan and lease losses	$312,000	1,583
Total noninterest income	$1,274,000	2,325
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$39,000	5,192
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,235,000	1,785
Total noninterest expense	$11,270,000	1,319
Salaries and employee benefits	$6,620,000	1,273
Premises and equipment expense	$2,148,000	862
Additional noninterest expense	$2,502,000	1,799
Pre-tax net operating income	$4,890,000	1,337
Securities gains (losses)	$16,000	2,406
Applicable income taxes	$1,868,000	915
Income before extraordinary items	$3,038,000	1,673
Extraordinary gains, net	$0	5
Net income	$3,038,000	1,673
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,038,000	1,673
Net charge-offs	$117,000	1,930
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$192,000	344
Net operating income	$3,027,760	1,628
2016-06-30 (YTD Data)		Rank
Total interest income	$12,082,000	1,107
Total interest expense	$2,112,000	698
Net interest income	$9,970,000	1,179
Provision for loan and lease losses	$188,000	1,690
Total noninterest income	$851,000	2,301
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$25,000	5,256
Trading account gains and fees	$0	157
Additional Noninterest Income	$826,000	1,762
Total noninterest expense	$7,388,000	1,345
Salaries and employee benefits	$4,348,000	1,297
Premises and equipment expense	$1,380,000	889
Additional noninterest expense	$1,660,000	1,811
Pre-tax net operating income	$3,245,000	1,338
Securities gains (losses)	$16,000	2,060
Applicable income taxes	$1,246,000	904
Income before extraordinary items	$2,015,000	1,655
Extraordinary gains, net	$0	16
Net income	$2,015,000	1,656
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,015,000	1,656
Net charge-offs	$113,000	1,518
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$123,000	336
Net operating income	$2,004,760	1,610
2016-03-31 (YTD Data)		Rank
Total interest income	$6,009,000	1,108
Total interest expense	$1,056,000	694
Net interest income	$4,953,000	1,187
Provision for loan and lease losses	$62,000	1,936
Total noninterest income	$350,000	2,519
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$10,000	5,438
Trading account gains and fees	$0	142
Additional Noninterest Income	$340,000	1,942
Total noninterest expense	$3,621,000	1,363
Salaries and employee benefits	$2,135,000	1,313
Premises and equipment expense	$679,000	913
Additional noninterest expense	$807,000	1,840
Pre-tax net operating income	$1,620,000	1,316
Securities gains (losses)	$0	2,077
Applicable income taxes	$615,000	898
Income before extraordinary items	$1,005,000	1,612
Extraordinary gains, net	$0	12
Net income	$1,005,000	1,613
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,005,000	1,613
Net charge-offs	$0	3,094
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$60,000	319
Net operating income	$1,005,000	1,576
2015-12-31 (YTD Data)		Rank
Total interest income	$22,087,000	1,161
Total interest expense	$3,743,000	742
Net interest income	$18,344,000	1,242
Provision for loan and lease losses	$475,000	1,414
Total noninterest income	$1,223,000	2,765
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$39,000	5,578
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,184,000	2,163
Total noninterest expense	$13,735,000	1,416
Salaries and employee benefits	$8,143,000	1,331
Premises and equipment expense	$2,474,000	976
Additional noninterest expense	$3,118,000	1,941
Pre-tax net operating income	$5,357,000	1,492
Securities gains (losses)	$31,000	1,973
Applicable income taxes	$2,043,000	994
Income before extraordinary items	$3,345,000	1,860
Extraordinary gains, net	$0	23
Net income	$3,345,000	1,860
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,345,000	1,862
Net charge-offs	$101,000	2,648
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$245,000	401
Net operating income	$3,325,160	1,834
2015-09-30 (YTD Data)		Rank
Total interest income	$16,082,000	1,199
Total interest expense	$2,689,000	788
Net interest income	$13,393,000	1,277
Provision for loan and lease losses	$300,000	1,503
Total noninterest income	$792,000	2,988
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$30,000	5,635
Trading account gains and fees	$0	153
Additional Noninterest Income	$762,000	2,381
Total noninterest expense	$10,266,000	1,419
Salaries and employee benefits	$6,140,000	1,334
Premises and equipment expense	$1,829,000	999
Additional noninterest expense	$2,297,000	1,958
Pre-tax net operating income	$3,619,000	1,642
Securities gains (losses)	$28,000	1,833
Applicable income taxes	$1,382,000	1,093
Income before extraordinary items	$2,265,000	2,055
Extraordinary gains, net	$0	21
Net income	$2,265,000	2,056
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,265,000	2,056
Net charge-offs	$72,000	2,462
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$183,000	370
Net operating income	$2,247,080	2,014
2015-06-30 (YTD Data)		Rank
Total interest income	$10,439,000	1,221
Total interest expense	$1,701,000	833
Net interest income	$8,738,000	1,305
Provision for loan and lease losses	$150,000	1,756
Total noninterest income	$523,000	2,999
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$19,000	5,706
Trading account gains and fees	$0	157
Additional Noninterest Income	$504,000	2,398
Total noninterest expense	$6,851,000	1,429
Salaries and employee benefits	$4,158,000	1,321
Premises and equipment expense	$1,192,000	1,024
Additional noninterest expense	$1,501,000	1,999
Pre-tax net operating income	$2,260,000	1,719
Securities gains (losses)	$0	2,636
Applicable income taxes	$857,000	1,144
Income before extraordinary items	$1,403,000	2,164
Extraordinary gains, net	$0	22
Net income	$1,403,000	2,167
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,403,000	2,167
Net charge-offs	$72,000	2,015
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$121,000	357
Net operating income	$1,403,000	2,108
2015-03-31 (YTD Data)		Rank
Total interest income	$5,156,000	1,234
Total interest expense	$852,000	838
Net interest income	$4,304,000	1,317
Provision for loan and lease losses	$50,000	2,062
Total noninterest income	$254,000	3,013
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$9,000	5,746
Trading account gains and fees	$0	152
Additional Noninterest Income	$245,000	2,379
Total noninterest expense	$3,494,000	1,405
Salaries and employee benefits	$2,163,000	1,289
Premises and equipment expense	$587,000	1,041
Additional noninterest expense	$744,000	1,994
Pre-tax net operating income	$1,014,000	1,831
Securities gains (losses)	$0	2,027
Applicable income taxes	$384,000	1,224
Income before extraordinary items	$630,000	2,311
Extraordinary gains, net	$0	13
Net income	$630,000	2,312
Minority interest net income	$0	64
Net income of bank and minority interests.	$630,000	2,312
Net charge-offs	$72,000	1,317
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$61,000	329
Net operating income	$630,000	2,243
2014-12-31 (YTD Data)		Rank
Total interest income	$19,545,000	1,296
Total interest expense	$3,507,000	849
Net interest income	$16,038,000	1,391
Provision for loan and lease losses	$640,000	1,215
Total noninterest income	$968,000	3,164
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$43,000	5,813
Trading account gains and fees	$0	180
Additional Noninterest Income	$925,000	2,425
Total noninterest expense	$12,521,000	1,520
Salaries and employee benefits	$7,416,000	1,415
Premises and equipment expense	$2,026,000	1,179
Additional noninterest expense	$3,079,000	1,991
Pre-tax net operating income	$3,845,000	1,891
Securities gains (losses)	$16,000	2,441
Applicable income taxes	$1,462,000	1,219
Income before extraordinary items	$2,399,000	2,380
Extraordinary gains, net	$0	17
Net income	$2,399,000	2,380
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,399,000	2,380
Net charge-offs	$115,000	3,038
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$242,000	406
Net operating income	$2,388,760	2,346
2014-09-30 (YTD Data)		Rank
Total interest income	$14,426,000	1,328
Total interest expense	$2,585,000	880
Net interest income	$11,841,000	1,421
Provision for loan and lease losses	$580,000	1,021
Total noninterest income	$733,000	3,177
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$34,000	5,854
Trading account gains and fees	$0	174
Additional Noninterest Income	$699,000	2,435
Total noninterest expense	$9,032,000	1,595
Salaries and employee benefits	$5,408,000	1,457
Premises and equipment expense	$1,462,000	1,235
Additional noninterest expense	$2,162,000	2,100
Pre-tax net operating income	$2,962,000	1,878
Securities gains (losses)	$16,000	2,131
Applicable income taxes	$1,148,000	1,183
Income before extraordinary items	$1,830,000	2,376
Extraordinary gains, net	$0	15
Net income	$1,830,000	2,376
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,830,000	2,375
Net charge-offs	$111,000	2,584
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$182,000	366
Net operating income	$1,819,760	2,333
2014-06-30 (YTD Data)		Rank
Total interest income	$9,432,000	1,342
Total interest expense	$1,688,000	901
Net interest income	$7,744,000	1,430
Provision for loan and lease losses	$400,000	998
Total noninterest income	$482,000	3,177
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$23,000	5,870
Trading account gains and fees	$0	172
Additional Noninterest Income	$459,000	2,426
Total noninterest expense	$5,956,000	1,604
Salaries and employee benefits	$3,544,000	1,480
Premises and equipment expense	$949,000	1,271
Additional noninterest expense	$1,463,000	2,063
Pre-tax net operating income	$1,870,000	1,919
Securities gains (losses)	$16,000	1,751
Applicable income taxes	$725,000	1,216
Income before extraordinary items	$1,161,000	2,393
Extraordinary gains, net	$0	20
Net income	$1,161,000	2,396
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,161,000	2,396
Net charge-offs	$0	4,375
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$120,000	359
Net operating income	$1,150,760	2,362
2014-03-31 (YTD Data)		Rank
Total interest income	$4,568,000	1,384
Total interest expense	$825,000	928
Net interest income	$3,743,000	1,464
Provision for loan and lease losses	$180,000	1,066
Total noninterest income	$243,000	3,107
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$11,000	5,924
Trading account gains and fees	$0	147
Additional Noninterest Income	$232,000	2,347
Total noninterest expense	$2,918,000	1,646
Salaries and employee benefits	$1,712,000	1,534
Premises and equipment expense	$486,000	1,270
Additional noninterest expense	$720,000	2,092
Pre-tax net operating income	$888,000	1,936
Securities gains (losses)	$16,000	1,027
Applicable income taxes	$349,000	1,205
Income before extraordinary items	$555,000	2,398
Extraordinary gains, net	$0	16
Net income	$555,000	2,399
Minority interest net income	$0	66
Net income of bank and minority interests.	$555,000	2,400
Net charge-offs	$0	3,660
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$60,000	327
Net operating income	$544,760	2,383
2013-12-31 (YTD Data)		Rank
Total interest income	$16,661,000	1,505
Total interest expense	$2,879,000	1,178
Net interest income	$13,782,000	1,582
Provision for loan and lease losses	$500,000	1,831
Total noninterest income	$962,000	3,267
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$49,000	5,991
Trading account gains and fees	$0	184
Additional Noninterest Income	$913,000	2,491
Total noninterest expense	$9,697,000	1,954
Salaries and employee benefits	$5,724,000	1,784
Premises and equipment expense	$1,424,000	1,652
Additional noninterest expense	$2,549,000	2,413
Pre-tax net operating income	$4,547,000	1,540
Securities gains (losses)	$103,000	1,306
Applicable income taxes	$1,774,000	990
Income before extraordinary items	$2,876,000	1,959
Extraordinary gains, net	$0	29
Net income	$2,876,000	1,962
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,876,000	1,962
Net charge-offs	$131,000	3,469
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$218,000	410
Net operating income	$2,810,080	1,947
2013-09-30 (YTD Data)		Rank
Total interest income	$12,173,000	1,555
Total interest expense	$2,092,000	1,255
Net interest income	$10,081,000	1,616
Provision for loan and lease losses	$350,000	1,917
Total noninterest income	$702,000	3,369
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$37,000	6,057
Trading account gains and fees	$0	180
Additional Noninterest Income	$665,000	2,583
Total noninterest expense	$6,814,000	2,079
Salaries and employee benefits	$4,038,000	1,903
Premises and equipment expense	$997,000	1,772
Additional noninterest expense	$1,779,000	2,577
Pre-tax net operating income	$3,619,000	1,497
Securities gains (losses)	$103,000	1,199
Applicable income taxes	$1,437,000	964
Income before extraordinary items	$2,285,000	1,910
Extraordinary gains, net	$0	25
Net income	$2,285,000	1,918
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,285,000	1,917
Net charge-offs	$36,000	4,083
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$159,000	382
Net operating income	$2,219,080	1,899
2013-06-30 (YTD Data)		Rank
Total interest income	$7,914,000	1,583
Total interest expense	$1,377,000	1,298
Net interest income	$6,537,000	1,653
Provision for loan and lease losses	$200,000	2,092
Total noninterest income	$473,000	3,392
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$25,000	6,057
Trading account gains and fees	$0	157
Additional Noninterest Income	$448,000	2,629
Total noninterest expense	$4,426,000	2,124
Salaries and employee benefits	$2,640,000	1,949
Premises and equipment expense	$659,000	1,781
Additional noninterest expense	$1,127,000	2,679
Pre-tax net operating income	$2,384,000	1,494
Securities gains (losses)	$103,000	1,098
Applicable income taxes	$961,000	969
Income before extraordinary items	$1,526,000	1,901
Extraordinary gains, net	$0	22
Net income	$1,526,000	1,908
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,526,000	1,907
Net charge-offs	$36,000	3,609
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$103,000	363
Net operating income	$1,460,080	1,892
2013-03-31 (YTD Data)		Rank
Total interest income	$3,955,000	1,593
Total interest expense	$683,000	1,357
Net interest income	$3,272,000	1,654
Provision for loan and lease losses	$100,000	2,044
Total noninterest income	$214,000	3,538
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$12,000	6,102
Trading account gains and fees	$0	148
Additional Noninterest Income	$202,000	2,764
Total noninterest expense	$2,133,000	2,228
Salaries and employee benefits	$1,275,000	2,039
Premises and equipment expense	$325,000	1,831
Additional noninterest expense	$533,000	2,834
Pre-tax net operating income	$1,253,000	1,418
Securities gains (losses)	$0	1,966
Applicable income taxes	$487,000	946
Income before extraordinary items	$766,000	1,857
Extraordinary gains, net	$0	10
Net income	$766,000	1,858
Minority interest net income	$0	76
Net income of bank and minority interests.	$766,000	1,859
Net charge-offs	$36,000	2,673
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$50,000	331
Net operating income	$766,000	1,784
2012-12-31 (YTD Data)		Rank
Total interest income	$14,122,000	1,870
Total interest expense	$2,698,000	1,643
Net interest income	$11,424,000	1,918
Provision for loan and lease losses	$550,000	2,586
Total noninterest income	$998,000	3,259
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$48,000	6,258
Trading account gains and fees	$0	166
Additional Noninterest Income	$950,000	2,443
Total noninterest expense	$7,996,000	2,363
Salaries and employee benefits	$4,664,000	2,138
Premises and equipment expense	$1,213,000	1,922
Additional noninterest expense	$2,119,000	2,957
Pre-tax net operating income	$3,876,000	1,689
Securities gains (losses)	$98,000	2,287
Applicable income taxes	$1,453,000	1,121
Income before extraordinary items	$2,521,000	2,155
Extraordinary gains, net	$0	29
Net income	$2,521,000	2,154
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,521,000	2,156
Net charge-offs	$101,000	4,418
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$-1,749,000	7,069
Net operating income	$2,458,280	2,075
2012-09-30 (YTD Data)		Rank
Total interest income	$10,358,000	1,937
Total interest expense	$1,981,000	1,735
Net interest income	$8,377,000	1,985
Provision for loan and lease losses	$400,000	2,581
Total noninterest income	$551,000	3,838
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$35,000	6,358
Trading account gains and fees	$0	157
Additional Noninterest Income	$516,000	2,909
Total noninterest expense	$5,879,000	2,415
Salaries and employee benefits	$3,465,000	2,154
Premises and equipment expense	$900,000	1,966
Additional noninterest expense	$1,514,000	3,093
Pre-tax net operating income	$2,649,000	1,867
Securities gains (losses)	$51,000	2,438
Applicable income taxes	$994,000	1,235
Income before extraordinary items	$1,706,000	2,416
Extraordinary gains, net	$0	20
Net income	$1,706,000	2,417
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,706,000	2,417
Net charge-offs	$101,000	3,962
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$-1,811,000	7,170
Net operating income	$1,673,360	2,323
2012-06-30 (YTD Data)		Rank
Total interest income	$6,824,000	1,969
Total interest expense	$1,301,000	1,806
Net interest income	$5,523,000	2,002
Provision for loan and lease losses	$250,000	2,658
Total noninterest income	$315,000	4,116
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$24,000	6,374
Trading account gains and fees	$0	153
Additional Noninterest Income	$291,000	3,113
Total noninterest expense	$3,862,000	2,446
Salaries and employee benefits	$2,279,000	2,194
Premises and equipment expense	$577,000	2,029
Additional noninterest expense	$1,006,000	3,112
Pre-tax net operating income	$1,726,000	1,890
Securities gains (losses)	$-1,000	6,818
Applicable income taxes	$628,000	1,279
Income before extraordinary items	$1,097,000	2,437
Extraordinary gains, net	$0	19
Net income	$1,097,000	2,437
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,097,000	2,437
Net charge-offs	$96,000	3,464
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$-1,859,000	7,234
Net operating income	$1,097,640	2,307
2012-03-31 (YTD Data)		Rank
Total interest income	$3,388,000	1,993
Total interest expense	$637,000	1,926
Net interest income	$2,751,000	2,007
Provision for loan and lease losses	$150,000	2,302
Total noninterest income	$137,000	4,417
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$12,000	6,375
Trading account gains and fees	$0	148
Additional Noninterest Income	$125,000	3,353
Total noninterest expense	$1,833,000	2,562
Salaries and employee benefits	$1,075,000	2,323
Premises and equipment expense	$275,000	2,119
Additional noninterest expense	$483,000	3,183
Pre-tax net operating income	$905,000	1,826
Securities gains (losses)	$0	2,210
Applicable income taxes	$327,000	1,228
Income before extraordinary items	$578,000	2,330
Extraordinary gains, net	$0	19
Net income	$578,000	2,332
Minority interest net income	$0	78
Net income of bank and minority interests.	$578,000	2,333
Net charge-offs	$90,000	2,538
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$-1,904,000	7,305
Net operating income	$578,000	2,218
2011-12-31 (YTD Data)		Rank
Total interest income	$12,991,000	2,146
Total interest expense	$2,709,000	2,137
Net interest income	$10,282,000	2,127
Provision for loan and lease losses	$900,000	2,561
Total noninterest income	$516,000	4,337
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$42,000	6,457
Trading account gains and fees	$0	146
Additional Noninterest Income	$474,000	3,197
Total noninterest expense	$6,770,000	2,739
Salaries and employee benefits	$4,240,000	2,280
Premises and equipment expense	$855,000	2,764
Additional noninterest expense	$1,675,000	3,585
Pre-tax net operating income	$3,128,000	1,765
Securities gains (losses)	$18,000	3,129
Applicable income taxes	$1,140,000	1,232
Income before extraordinary items	$2,006,000	2,265
Extraordinary gains, net	$0	29
Net income	$2,006,000	2,265
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,006,000	2,265
Net charge-offs	$195,000	4,320
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,994,480	2,200
2011-09-30 (YTD Data)		Rank
Total interest income	$9,671,000	2,193
Total interest expense	$2,063,000	2,188
Net interest income	$7,608,000	2,158
Provision for loan and lease losses	$750,000	2,344
Total noninterest income	$379,000	4,428
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$30,000	6,526
Trading account gains and fees	$0	145
Additional Noninterest Income	$349,000	3,229
Total noninterest expense	$4,915,000	2,832
Salaries and employee benefits	$3,141,000	2,295
Premises and equipment expense	$606,000	2,923
Additional noninterest expense	$1,168,000	3,751
Pre-tax net operating income	$2,322,000	1,854
Securities gains (losses)	$0	3,555
Applicable income taxes	$836,000	1,247
Income before extraordinary items	$1,486,000	2,339
Extraordinary gains, net	$0	21
Net income	$1,486,000	2,339
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,486,000	2,340
Net charge-offs	$195,000	3,738
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,486,000	2,232
2011-06-30 (YTD Data)		Rank
Total interest income	$6,453,000	2,210
Total interest expense	$1,431,000	2,195
Net interest income	$5,022,000	2,182
Provision for loan and lease losses	$600,000	2,044
Total noninterest income	$251,000	4,463
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$19,000	6,582
Trading account gains and fees	$0	153
Additional Noninterest Income	$232,000	3,261
Total noninterest expense	$3,179,000	2,944
Salaries and employee benefits	$1,890,000	2,544
Premises and equipment expense	$404,000	2,944
Additional noninterest expense	$885,000	3,501
Pre-tax net operating income	$1,494,000	1,887
Securities gains (losses)	$0	2,914
Applicable income taxes	$538,000	1,254
Income before extraordinary items	$956,000	2,365
Extraordinary gains, net	$0	15
Net income	$956,000	2,365
Minority interest net income	$0	89
Net income of bank and minority interests.	$956,000	2,365
Net charge-offs	$61,000	4,297
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$956,000	2,273
2011-03-31 (YTD Data)		Rank
Total interest income	$3,247,000	2,205
Total interest expense	$726,000	2,241
Net interest income	$2,521,000	2,160
Provision for loan and lease losses	$300,000	1,892
Total noninterest income	$117,000	4,642
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$9,000	6,596
Trading account gains and fees	$0	158
Additional Noninterest Income	$108,000	3,428
Total noninterest expense	$1,565,000	2,995
Salaries and employee benefits	$944,000	2,571
Premises and equipment expense	$197,000	3,036
Additional noninterest expense	$424,000	3,591
Pre-tax net operating income	$773,000	1,827
Securities gains (losses)	$0	1,772
Applicable income taxes	$281,000	1,175
Income before extraordinary items	$492,000	2,283
Extraordinary gains, net	$0	9
Net income	$492,000	2,282
Minority interest net income	$0	86
Net income of bank and minority interests.	$492,000	2,283
Net charge-offs	$61,000	3,186
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$492,000	2,235
2010-12-31 (YTD Data)		Rank
Total interest income	$13,358,000	2,256
Total interest expense	$3,393,000	2,327
Net interest income	$9,965,000	2,204
Provision for loan and lease losses	$1,100,000	2,908
Total noninterest income	$442,000	4,786
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$38,000	6,418
Trading account gains and fees	$0	175
Additional Noninterest Income	$404,000	3,493
Total noninterest expense	$5,976,000	3,122
Salaries and employee benefits	$3,497,000	2,735
Premises and equipment expense	$736,000	3,161
Additional noninterest expense	$1,743,000	3,610
Pre-tax net operating income	$3,331,000	1,480
Securities gains (losses)	$82,000	2,327
Applicable income taxes	$1,258,000	1,024
Income before extraordinary items	$2,155,000	1,894
Extraordinary gains, net	$0	29
Net income	$2,155,000	1,895
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,155,000	1,896
Net charge-offs	$470,000	3,738
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,102,520	1,863
2010-09-30 (YTD Data)		Rank
Total interest income	$9,979,000	2,316
Total interest expense	$2,619,000	2,367
Net interest income	$7,360,000	2,283
Provision for loan and lease losses	$800,000	2,848
Total noninterest income	$291,000	5,094
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$29,000	6,489
Trading account gains and fees	$0	165
Additional Noninterest Income	$262,000	3,756
Total noninterest expense	$4,343,000	3,201
Salaries and employee benefits	$2,606,000	2,751
Premises and equipment expense	$537,000	3,284
Additional noninterest expense	$1,200,000	3,803
Pre-tax net operating income	$2,508,000	1,574
Securities gains (losses)	$0	3,651
Applicable income taxes	$922,000	1,064
Income before extraordinary items	$1,586,000	2,051
Extraordinary gains, net	$0	23
Net income	$1,586,000	2,053
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,586,000	2,053
Net charge-offs	$151,000	4,497
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,586,000	1,957
2010-06-30 (YTD Data)		Rank
Total interest income	$6,529,000	2,384
Total interest expense	$1,799,000	2,390
Net interest income	$4,730,000	2,365
Provision for loan and lease losses	$500,000	2,840
Total noninterest income	$229,000	4,789
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$20,000	6,495
Trading account gains and fees	$0	152
Additional Noninterest Income	$209,000	3,441
Total noninterest expense	$2,859,000	3,229
Salaries and employee benefits	$1,715,000	2,791
Premises and equipment expense	$357,000	3,313
Additional noninterest expense	$787,000	3,832
Pre-tax net operating income	$1,600,000	1,628
Securities gains (losses)	$0	3,184
Applicable income taxes	$589,000	1,062
Income before extraordinary items	$1,011,000	2,094
Extraordinary gains, net	$0	19
Net income	$1,011,000	2,093
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,011,000	2,096
Net charge-offs	$100,000	4,255
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,011,000	2,020
2010-03-31 (YTD Data)		Rank
Total interest income	$3,222,000	2,470
Total interest expense	$945,000	2,384
Net interest income	$2,277,000	2,468
Provision for loan and lease losses	$200,000	2,974
Total noninterest income	$96,000	5,123
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$10,000	6,536
Trading account gains and fees	$0	175
Additional Noninterest Income	$86,000	3,776
Total noninterest expense	$1,348,000	3,438
Salaries and employee benefits	$815,000	2,960
Premises and equipment expense	$178,000	3,414
Additional noninterest expense	$355,000	4,112
Pre-tax net operating income	$825,000	1,581
Securities gains (losses)	$0	2,284
Applicable income taxes	$305,000	1,035
Income before extraordinary items	$520,000	2,075
Extraordinary gains, net	$0	16
Net income	$520,000	2,074
Minority interest net income	$0	91
Net income of bank and minority interests.	$520,000	2,075
Net charge-offs	$0	5,610
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$520,000	1,991
2009-12-31 (YTD Data)		Rank
Total interest income	$13,392,000	2,489
Total interest expense	$5,566,000	2,048
Net interest income	$7,826,000	2,782
Provision for loan and lease losses	$300,000	5,244
Total noninterest income	$392,000	5,160
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$36,000	6,705
Trading account gains and fees	$0	211
Additional Noninterest Income	$356,000	3,710
Total noninterest expense	$5,944,000	3,203
Salaries and employee benefits	$3,677,000	2,657
Premises and equipment expense	$685,000	3,521
Additional noninterest expense	$1,582,000	3,934
Pre-tax net operating income	$1,974,000	1,928
Securities gains (losses)	$-131,000	7,331
Applicable income taxes	$697,000	1,250
Income before extraordinary items	$1,146,000	2,542
Extraordinary gains, net	$0	34
Net income	$1,146,000	2,540
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,146,000	2,541
Net charge-offs	$287,000	4,552
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,229,840	2,388
2009-09-30 (YTD Data)		Rank
Total interest income	$10,103,000	2,516
Total interest expense	$4,348,000	2,061
Net interest income	$5,755,000	2,836
Provision for loan and lease losses	$225,000	4,987
Total noninterest income	$268,000	5,402
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$27,000	6,750
Trading account gains and fees	$0	212
Additional Noninterest Income	$241,000	3,972
Total noninterest expense	$4,360,000	3,259
Salaries and employee benefits	$2,699,000	2,734
Premises and equipment expense	$511,000	3,566
Additional noninterest expense	$1,150,000	3,996
Pre-tax net operating income	$1,438,000	2,115
Securities gains (losses)	$0	3,497
Applicable income taxes	$515,000	1,370
Income before extraordinary items	$923,000	2,604
Extraordinary gains, net	$0	27
Net income	$923,000	2,601
Minority interest net income	$0	118
Net income of bank and minority interests.	$923,000	2,604
Net charge-offs	$27,000	6,096
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$923,000	2,563
2009-06-30 (YTD Data)		Rank
Total interest income	$6,796,000	2,529
Total interest expense	$2,959,000	2,117
Net interest income	$3,837,000	2,826
Provision for loan and lease losses	$150,000	4,729
Total noninterest income	$174,000	5,462
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$17,000	6,819
Trading account gains and fees	$0	193
Additional Noninterest Income	$157,000	4,027
Total noninterest expense	$2,821,000	3,380
Salaries and employee benefits	$1,759,000	2,832
Premises and equipment expense	$340,000	3,602
Additional noninterest expense	$722,000	4,177
Pre-tax net operating income	$1,040,000	2,044
Securities gains (losses)	$0	3,136
Applicable income taxes	$377,000	1,318
Income before extraordinary items	$663,000	2,596
Extraordinary gains, net	$0	21
Net income	$663,000	2,593
Minority interest net income	$0	112
Net income of bank and minority interests.	$663,000	2,595
Net charge-offs	$0	6,628
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$663,000	2,515
2009-03-31 (YTD Data)		Rank
Total interest income	$3,398,000	2,560
Total interest expense	$1,551,000	2,111
Net interest income	$1,847,000	2,913
Provision for loan and lease losses	$75,000	4,299
Total noninterest income	$73,000	5,747
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$6,000	6,959
Trading account gains and fees	$0	171
Additional Noninterest Income	$67,000	4,324
Total noninterest expense	$1,346,000	3,438
Salaries and employee benefits	$871,000	2,882
Premises and equipment expense	$166,000	3,699
Additional noninterest expense	$309,000	4,321
Pre-tax net operating income	$499,000	2,380
Securities gains (losses)	$0	2,434
Applicable income taxes	$180,000	1,557
Income before extraordinary items	$319,000	3,002
Extraordinary gains, net	$0	15
Net income	$319,000	3,003
Minority interest net income	$0	102
Net income of bank and minority interests.	$319,000	3,003
Net charge-offs	$0	5,728
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$319,000	2,859
2008-12-31 (YTD Data)		Rank
Total interest income	$13,575,000	2,721
Total interest expense	$6,747,000	2,274
Net interest income	$6,828,000	3,128
Provision for loan and lease losses	$445,000	3,986
Total noninterest income	$340,000	5,610
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$21,000	7,028
Trading account gains and fees	$0	154
Additional Noninterest Income	$319,000	3,999
Total noninterest expense	$5,026,000	3,550
Salaries and employee benefits	$3,263,000	3,025
Premises and equipment expense	$647,000	3,702
Additional noninterest expense	$1,116,000	4,493
Pre-tax net operating income	$1,697,000	2,802
Securities gains (losses)	$-704,000	7,629
Applicable income taxes	$305,000	2,379
Income before extraordinary items	$688,000	3,969
Extraordinary gains, net	$0	39
Net income	$688,000	3,970
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,844
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,173,760	3,112
2008-09-30 (YTD Data)		Rank
Total interest income	$10,160,000	2,781
Total interest expense	$5,131,000	2,336
Net interest income	$5,029,000	3,201
Provision for loan and lease losses	$310,000	3,488
Total noninterest income	$256,000	5,683
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$16,000	7,073
Trading account gains and fees	$0	148
Additional Noninterest Income	$240,000	4,096
Total noninterest expense	$3,700,000	3,595
Salaries and employee benefits	$2,406,000	3,090
Premises and equipment expense	$478,000	3,756
Additional noninterest expense	$816,000	4,515
Pre-tax net operating income	$1,275,000	3,195
Securities gains (losses)	$-704,000	7,841
Applicable income taxes	$429,000	2,080
Income before extraordinary items	$142,000	5,976
Extraordinary gains, net	$0	31
Net income	$142,000	5,975
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,241
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$592,560	4,306
2008-06-30 (YTD Data)		Rank
Total interest income	$6,739,000	2,822
Total interest expense	$3,512,000	2,365
Net interest income	$3,227,000	3,299
Provision for loan and lease losses	$140,000	3,766
Total noninterest income	$156,000	5,912
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$11,000	7,109
Trading account gains and fees	$0	149
Additional Noninterest Income	$145,000	4,373
Total noninterest expense	$2,466,000	3,602
Salaries and employee benefits	$1,610,000	3,121
Premises and equipment expense	$317,000	3,795
Additional noninterest expense	$539,000	4,512
Pre-tax net operating income	$777,000	3,489
Securities gains (losses)	$-3,000	8,017
Applicable income taxes	$255,000	2,399
Income before extraordinary items	$519,000	3,950
Extraordinary gains, net	$0	21
Net income	$519,000	3,951
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	5,608
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$521,010	3,879
2008-03-31 (YTD Data)		Rank
Total interest income	$3,400,000	2,869
Total interest expense	$1,837,000	2,411
Net interest income	$1,563,000	3,384
Provision for loan and lease losses	$50,000	3,776
Total noninterest income	$78,000	5,923
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$5,000	7,144
Trading account gains and fees	$0	158
Additional Noninterest Income	$73,000	4,370
Total noninterest expense	$1,204,000	3,694
Salaries and employee benefits	$805,000	3,144
Premises and equipment expense	$162,000	3,751
Additional noninterest expense	$237,000	4,843
Pre-tax net operating income	$387,000	3,611
Securities gains (losses)	$-3,000	8,245
Applicable income taxes	$124,000	2,551
Income before extraordinary items	$260,000	4,117
Extraordinary gains, net	$0	15
Net income	$260,000	4,119
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,488
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$262,040	4,003
2007-12-31 (YTD Data)		Rank
Total interest income	$13,246,000	3,006
Total interest expense	$6,890,000	2,668
Net interest income	$6,356,000	3,363
Provision for loan and lease losses	$260,000	3,438
Total noninterest income	$319,000	5,929
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$21,000	7,139
Trading account gains and fees	$0	178
Additional Noninterest Income	$298,000	4,259
Total noninterest expense	$4,779,000	3,570
Salaries and employee benefits	$3,069,000	3,164
Premises and equipment expense	$624,000	3,728
Additional noninterest expense	$1,086,000	4,375
Pre-tax net operating income	$1,636,000	3,739
Securities gains (losses)	$0	2,146
Applicable income taxes	$553,000	2,607
Income before extraordinary items	$1,083,000	4,145
Extraordinary gains, net	$0	39
Net income	$1,083,000	4,147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	4,191
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,083,000	4,141
2007-09-30 (YTD Data)		Rank
Total interest income	$9,648,000	3,089
Total interest expense	$4,950,000	2,763
Net interest income	$4,698,000	3,397
Provision for loan and lease losses	$145,000	3,535
Total noninterest income	$229,000	6,054
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$16,000	7,169
Trading account gains and fees	$0	184
Additional Noninterest Income	$213,000	4,368
Total noninterest expense	$3,586,000	3,549
Salaries and employee benefits	$2,280,000	3,175
Premises and equipment expense	$462,000	3,766
Additional noninterest expense	$844,000	4,216
Pre-tax net operating income	$1,196,000	3,956
Securities gains (losses)	$0	1,655
Applicable income taxes	$406,000	2,792
Income before extraordinary items	$790,000	4,379
Extraordinary gains, net	$0	33
Net income	$790,000	4,379
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	3,216
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$790,000	4,366
2007-06-30 (YTD Data)		Rank
Total interest income	$6,204,000	3,204
Total interest expense	$3,127,000	2,899
Net interest income	$3,077,000	3,466
Provision for loan and lease losses	$50,000	4,348
Total noninterest income	$153,000	6,094
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$11,000	7,206
Trading account gains and fees	$0	168
Additional Noninterest Income	$142,000	4,425
Total noninterest expense	$2,449,000	3,498
Salaries and employee benefits	$1,542,000	3,176
Premises and equipment expense	$301,000	3,848
Additional noninterest expense	$606,000	3,984
Pre-tax net operating income	$731,000	4,222
Securities gains (losses)	$0	1,444
Applicable income taxes	$248,000	2,974
Income before extraordinary items	$483,000	4,628
Extraordinary gains, net	$0	29
Net income	$483,000	4,628
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	2,426
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$483,000	4,620
2007-03-31 (YTD Data)		Rank
Total interest income	$3,064,000	3,224
Total interest expense	$1,533,000	2,931
Net interest income	$1,531,000	3,492
Provision for loan and lease losses	$15,000	4,592
Total noninterest income	$71,000	6,205
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$6,000	7,199
Trading account gains and fees	$0	195
Additional Noninterest Income	$65,000	4,594
Total noninterest expense	$1,218,000	3,529
Salaries and employee benefits	$777,000	3,162
Premises and equipment expense	$142,000	4,012
Additional noninterest expense	$299,000	3,982
Pre-tax net operating income	$369,000	4,191
Securities gains (losses)	$0	1,187
Applicable income taxes	$131,000	2,930
Income before extraordinary items	$238,000	4,677
Extraordinary gains, net	$0	22
Net income	$238,000	4,679
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$238,000	4,661
2006-12-31 (YTD Data)		Rank
Total interest income	$11,215,000	3,265
Total interest expense	$4,939,000	3,051
Net interest income	$6,276,000	3,411
Provision for loan and lease losses	$70,000	5,172
Total noninterest income	$280,000	6,311
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$22,000	7,249
Trading account gains and fees	$0	130
Additional Noninterest Income	$258,000	4,592
Total noninterest expense	$4,368,000	3,714
Salaries and employee benefits	$2,874,000	3,255
Premises and equipment expense	$498,000	4,282
Additional noninterest expense	$996,000	4,528
Pre-tax net operating income	$2,118,000	3,522
Securities gains (losses)	$0	1,687
Applicable income taxes	$749,000	2,572
Income before extraordinary items	$1,369,000	3,978
Extraordinary gains, net	$0	51
Net income	$1,369,000	3,978
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,377
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,369,000	3,956
2006-09-30 (YTD Data)		Rank
Total interest income	$8,229,000	3,298
Total interest expense	$3,467,000	3,134
Net interest income	$4,762,000	3,403
Provision for loan and lease losses	$55,000	4,965
Total noninterest income	$202,000	6,431
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$16,000	7,330
Trading account gains and fees	$0	126
Additional Noninterest Income	$186,000	4,680
Total noninterest expense	$3,260,000	3,729
Salaries and employee benefits	$2,169,000	3,234
Premises and equipment expense	$365,000	4,351
Additional noninterest expense	$726,000	4,584
Pre-tax net operating income	$1,649,000	3,560
Securities gains (losses)	$0	1,388
Applicable income taxes	$588,000	2,627
Income before extraordinary items	$1,061,000	4,029
Extraordinary gains, net	$0	45
Net income	$1,061,000	4,032
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,061,000	4,020
2006-06-30 (YTD Data)		Rank
Total interest income	$5,270,000	3,359
Total interest expense	$2,125,000	3,229
Net interest income	$3,145,000	3,435
Provision for loan and lease losses	$40,000	4,712
Total noninterest income	$132,000	6,475
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$11,000	7,375
Trading account gains and fees	$0	126
Additional Noninterest Income	$121,000	4,728
Total noninterest expense	$2,194,000	3,706
Salaries and employee benefits	$1,447,000	3,230
Premises and equipment expense	$238,000	4,408
Additional noninterest expense	$509,000	4,435
Pre-tax net operating income	$1,043,000	3,709
Securities gains (losses)	$0	1,185
Applicable income taxes	$370,000	2,736
Income before extraordinary items	$673,000	4,169
Extraordinary gains, net	$0	39
Net income	$673,000	4,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$673,000	4,163
2006-03-31 (YTD Data)		Rank
Total interest income	$2,582,000	3,357
Total interest expense	$1,007,000	3,238
Net interest income	$1,575,000	3,404
Provision for loan and lease losses	$25,000	4,252
Total noninterest income	$66,000	6,440
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$5,000	7,423
Trading account gains and fees	$0	115
Additional Noninterest Income	$61,000	4,716
Total noninterest expense	$1,061,000	3,828
Salaries and employee benefits	$717,000	3,266
Premises and equipment expense	$124,000	4,331
Additional noninterest expense	$220,000	4,877
Pre-tax net operating income	$555,000	3,513
Securities gains (losses)	$0	955
Applicable income taxes	$198,000	2,619
Income before extraordinary items	$357,000	3,980
Extraordinary gains, net	$0	21
Net income	$357,000	3,980
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$357,000	3,961
2005-12-31 (YTD Data)		Rank
Total interest income	$9,710,000	3,225
Total interest expense	$3,226,000	3,136
Net interest income	$6,484,000	3,216
Provision for loan and lease losses	$175,000	3,852
Total noninterest income	$225,000	6,871
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$27,000	7,382
Trading account gains and fees	$0	138
Additional Noninterest Income	$198,000	5,184
Total noninterest expense	$3,922,000	3,918
Salaries and employee benefits	$2,545,000	3,425
Premises and equipment expense	$472,000	4,348
Additional noninterest expense	$905,000	4,747
Pre-tax net operating income	$2,612,000	3,083
Securities gains (losses)	$0	2,296
Applicable income taxes	$995,000	2,270
Income before extraordinary items	$1,617,000	3,610
Extraordinary gains, net	$0	46
Net income	$1,617,000	3,611
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,288
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,617,000	3,585
2005-09-30 (YTD Data)		Rank
Total interest income	$7,230,000	3,189
Total interest expense	$2,327,000	3,100
Net interest income	$4,903,000	3,193
Provision for loan and lease losses	$140,000	3,587
Total noninterest income	$169,000	6,899
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$21,000	7,426
Trading account gains and fees	$0	126
Additional Noninterest Income	$148,000	5,207
Total noninterest expense	$2,941,000	3,887
Salaries and employee benefits	$1,904,000	3,424
Premises and equipment expense	$355,000	4,325
Additional noninterest expense	$682,000	4,708
Pre-tax net operating income	$1,991,000	3,072
Securities gains (losses)	$0	2,317
Applicable income taxes	$767,000	2,268
Income before extraordinary items	$1,224,000	3,614
Extraordinary gains, net	$0	35
Net income	$1,224,000	3,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	5,742
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,224,000	3,582
2005-06-30 (YTD Data)		Rank
Total interest income	$4,772,000	3,168
Total interest expense	$1,493,000	3,052
Net interest income	$3,279,000	3,167
Provision for loan and lease losses	$115,000	3,168
Total noninterest income	$103,000	7,013
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$15,000	7,428
Trading account gains and fees	$0	116
Additional Noninterest Income	$88,000	5,421
Total noninterest expense	$1,944,000	3,892
Salaries and employee benefits	$1,265,000	3,403
Premises and equipment expense	$235,000	4,321
Additional noninterest expense	$444,000	4,773
Pre-tax net operating income	$1,323,000	3,035
Securities gains (losses)	$0	2,146
Applicable income taxes	$508,000	2,259
Income before extraordinary items	$815,000	3,600
Extraordinary gains, net	$0	30
Net income	$815,000	3,602
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	5,136
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$815,000	3,555
2005-03-31 (YTD Data)		Rank
Total interest income	$2,402,000	3,097
Total interest expense	$718,000	3,050
Net interest income	$1,684,000	3,079
Provision for loan and lease losses	$85,000	2,331
Total noninterest income	$45,000	7,228
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$7,000	7,502
Trading account gains and fees	$0	115
Additional Noninterest Income	$38,000	5,751
Total noninterest expense	$911,000	4,126
Salaries and employee benefits	$611,000	3,513
Premises and equipment expense	$119,000	4,321
Additional noninterest expense	$181,000	5,402
Pre-tax net operating income	$733,000	2,754
Securities gains (losses)	$0	1,685
Applicable income taxes	$285,000	2,054
Income before extraordinary items	$448,000	3,326
Extraordinary gains, net	$0	24
Net income	$448,000	3,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,060
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$448,000	3,292
2004-12-31 (YTD Data)		Rank
Total interest income	$7,994,000	3,417
Total interest expense	$2,324,000	3,229
Net interest income	$5,670,000	3,446
Provision for loan and lease losses	$230,000	3,450
Total noninterest income	$209,000	7,079
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$27,000	7,586
Trading account gains and fees	$0	138
Additional Noninterest Income	$182,000	5,305
Total noninterest expense	$3,629,000	4,060
Salaries and employee benefits	$2,433,000	3,427
Premises and equipment expense	$462,000	4,332
Additional noninterest expense	$734,000	5,365
Pre-tax net operating income	$2,020,000	3,475
Securities gains (losses)	$-41,000	8,546
Applicable income taxes	$685,000	2,798
Income before extraordinary items	$1,294,000	4,002
Extraordinary gains, net	$0	34
Net income	$1,294,000	4,003
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	4,073
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,320,650	3,885
2004-09-30 (YTD Data)		Rank
Total interest income	$5,739,000	3,513
Total interest expense	$1,710,000	3,226
Net interest income	$4,029,000	3,576
Provision for loan and lease losses	$115,000	4,038
Total noninterest income	$159,000	7,074
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$19,000	7,648
Trading account gains and fees	$0	134
Additional Noninterest Income	$140,000	5,263
Total noninterest expense	$2,699,000	4,058
Salaries and employee benefits	$1,790,000	3,448
Premises and equipment expense	$351,000	4,276
Additional noninterest expense	$558,000	5,291
Pre-tax net operating income	$1,374,000	3,802
Securities gains (losses)	$-21,000	8,653
Applicable income taxes	$446,000	3,101
Income before extraordinary items	$907,000	4,249
Extraordinary gains, net	$0	26
Net income	$907,000	4,250
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$921,070	4,137
2004-06-30 (YTD Data)		Rank
Total interest income	$3,659,000	3,647
Total interest expense	$1,112,000	3,273
Net interest income	$2,547,000	3,724
Provision for loan and lease losses	$60,000	4,267
Total noninterest income	$114,000	6,996
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$11,000	7,732
Trading account gains and fees	$0	130
Additional Noninterest Income	$103,000	5,109
Total noninterest expense	$1,783,000	4,105
Salaries and employee benefits	$1,201,000	3,440
Premises and equipment expense	$231,000	4,319
Additional noninterest expense	$351,000	5,505
Pre-tax net operating income	$818,000	4,049
Securities gains (losses)	$-8,000	8,658
Applicable income taxes	$257,000	3,344
Income before extraordinary items	$553,000	4,467
Extraordinary gains, net	$0	21
Net income	$553,000	4,468
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$558,440	4,354
2004-03-31 (YTD Data)		Rank
Total interest income	$1,794,000	3,714
Total interest expense	$548,000	3,362
Net interest income	$1,246,000	3,771
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$50,000	7,209
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$5,000	7,776
Trading account gains and fees	$0	121
Additional Noninterest Income	$45,000	5,324
Total noninterest expense	$871,000	4,195
Salaries and employee benefits	$608,000	3,420
Premises and equipment expense	$114,000	4,394
Additional noninterest expense	$149,000	6,013
Pre-tax net operating income	$410,000	4,018
Securities gains (losses)	$0	2,934
Applicable income taxes	$137,000	3,251
Income before extraordinary items	$273,000	4,531
Extraordinary gains, net	$0	16
Net income	$273,000	4,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$273,000	4,395
2003-12-31 (YTD Data)		Rank
Total interest income	$7,129,000	3,761
Total interest expense	$2,508,000	3,327
Net interest income	$4,621,000	3,922
Provision for loan and lease losses	$160,000	4,471
Total noninterest income	$400,000	5,967
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$15,000	7,882
Trading account gains and fees	$0	160
Additional Noninterest Income	$385,000	4,050
Total noninterest expense	$3,589,000	4,027
Salaries and employee benefits	$2,354,000	3,432
Premises and equipment expense	$458,000	4,331
Additional noninterest expense	$777,000	5,150
Pre-tax net operating income	$1,272,000	4,535
Securities gains (losses)	$-56,000	8,971
Applicable income taxes	$341,000	4,082
Income before extraordinary items	$875,000	5,007
Extraordinary gains, net	$0	54
Net income	$875,000	5,007
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$915,320	4,731
2003-09-30 (YTD Data)		Rank
Total interest income	$5,340,000	3,814
Total interest expense	$1,933,000	3,364
Net interest income	$3,407,000	3,986
Provision for loan and lease losses	$140,000	4,015
Total noninterest income	$360,000	5,589
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$11,000	7,946
Trading account gains and fees	$0	153
Additional Noninterest Income	$349,000	3,779
Total noninterest expense	$2,734,000	3,961
Salaries and employee benefits	$1,788,000	3,385
Premises and equipment expense	$351,000	4,259
Additional noninterest expense	$595,000	5,032
Pre-tax net operating income	$893,000	4,849
Securities gains (losses)	$1,000	4,000
Applicable income taxes	$296,000	3,936
Income before extraordinary items	$598,000	5,402
Extraordinary gains, net	$0	40
Net income	$598,000	5,402
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$597,330	5,227
2003-06-30 (YTD Data)		Rank
Total interest income	$3,568,000	3,833
Total interest expense	$1,316,000	3,408
Net interest income	$2,252,000	4,015
Provision for loan and lease losses	$110,000	3,695
Total noninterest income	$270,000	5,266
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$8,000	7,962
Trading account gains and fees	$0	150
Additional Noninterest Income	$262,000	3,538
Total noninterest expense	$1,827,000	3,948
Salaries and employee benefits	$1,181,000	3,412
Premises and equipment expense	$241,000	4,161
Additional noninterest expense	$405,000	4,968
Pre-tax net operating income	$585,000	4,899
Securities gains (losses)	$1,000	3,586
Applicable income taxes	$194,000	4,034
Income before extraordinary items	$392,000	5,463
Extraordinary gains, net	$0	30
Net income	$392,000	5,463
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$391,330	5,262
2003-03-31 (YTD Data)		Rank
Total interest income	$1,749,000	3,925
Total interest expense	$667,000	3,444
Net interest income	$1,082,000	4,156
Provision for loan and lease losses	$60,000	3,248
Total noninterest income	$124,000	5,379
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$4,000	7,983
Trading account gains and fees	$0	134
Additional Noninterest Income	$120,000	3,603
Total noninterest expense	$868,000	4,109
Salaries and employee benefits	$572,000	3,496
Premises and equipment expense	$116,000	4,277
Additional noninterest expense	$180,000	5,349
Pre-tax net operating income	$278,000	4,986
Securities gains (losses)	$0	2,891
Applicable income taxes	$93,000	4,071
Income before extraordinary items	$185,000	5,511
Extraordinary gains, net	$0	21
Net income	$185,000	5,509
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$185,000	5,315
2002-12-31 (YTD Data)		Rank
Total interest income	$7,206,000	3,953
Total interest expense	$2,864,000	3,662
Net interest income	$4,342,000	4,099
Provision for loan and lease losses	$227,000	4,091
Total noninterest income	$386,000	5,865
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$14,000	8,042
Trading account gains and fees	$0	153
Additional Noninterest Income	$372,000	3,826
Total noninterest expense	$3,197,000	4,254
Salaries and employee benefits	$2,046,000	3,667
Premises and equipment expense	$387,000	4,763
Additional noninterest expense	$764,000	5,094
Pre-tax net operating income	$1,304,000	4,480
Securities gains (losses)	$8,000	3,732
Applicable income taxes	$458,000	3,627
Income before extraordinary items	$854,000	5,028
Extraordinary gains, net	$0	70
Net income	$854,000	5,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,632
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$848,800	4,913
2001-12-31 (YTD Data)		Rank
Total interest income	$7,555,000	4,206
Total interest expense	$3,588,000	4,122
Net interest income	$3,967,000	4,153
Provision for loan and lease losses	$222,000	3,908
Total noninterest income	$210,000	7,211
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$13,000	8,224
Trading account gains and fees	$0	177
Additional Noninterest Income	$197,000	4,961
Total noninterest expense	$2,439,000	5,040
Salaries and employee benefits	$1,599,000	4,303
Premises and equipment expense	$235,000	6,282
Additional noninterest expense	$605,000	5,802
Pre-tax net operating income	$1,516,000	3,828
Securities gains (losses)	$1,000	4,410
Applicable income taxes	$603,000	2,961
Income before extraordinary items	$914,000	4,521
Extraordinary gains, net	$0	105
Net income	$914,000	4,523
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$913,360	4,415
2000-12-31 (YTD Data)		Rank
Total interest income	$6,806,000	4,684
Total interest expense	$3,226,000	4,666
Net interest income	$3,580,000	4,533
Provision for loan and lease losses	$122,000	4,805
Total noninterest income	$61,000	9,170
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$11,000	8,402
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	7,811
Total noninterest expense	$2,052,000	5,585
Salaries and employee benefits	$1,310,000	4,880
Premises and equipment expense	$204,000	6,706
Additional noninterest expense	$538,000	6,141
Pre-tax net operating income	$1,467,000	4,126
Securities gains (losses)	$-37,000	9,058
Applicable income taxes	$590,000	3,138
Income before extraordinary items	$840,000	4,907
Extraordinary gains, net	$0	38
Net income	$840,000	4,906
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$863,680	4,810
1999-12-31 (YTD Data)		Rank
Total interest income	$5,609,000	5,169
Total interest expense	$2,797,000	4,858
Net interest income	$2,812,000	5,415
Provision for loan and lease losses	$58,000	6,335
Total noninterest income	$135,000	8,316
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$10,000	8,681
Trading account gains and fees	NA	NA
Additional Noninterest Income	$125,000	6,074
Total noninterest expense	$1,621,000	6,485
Salaries and employee benefits	$1,043,000	5,719
Premises and equipment expense	$179,000	7,145
Additional noninterest expense	$399,000	7,281
Pre-tax net operating income	$1,268,000	4,600
Securities gains (losses)	$0	3,155
Applicable income taxes	$495,000	3,668
Income before extraordinary items	$773,000	5,187
Extraordinary gains, net	$0	35
Net income	$773,000	5,186
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	9,412
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$773,000	5,151
1998-12-31 (YTD Data)		Rank
Total interest income	$5,341,000	5,422
Total interest expense	$2,792,000	4,971
Net interest income	$2,549,000	5,776
Provision for loan and lease losses	$45,000	6,783
Total noninterest income	$295,000	6,535
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$15,000	8,798
Trading account gains and fees	NA	NA
Additional Noninterest Income	$280,000	4,166
Total noninterest expense	$1,552,000	6,541
Salaries and employee benefits	$1,071,000	5,514
Premises and equipment expense	$134,000	7,988
Additional noninterest expense	$347,000	7,696
Pre-tax net operating income	$1,247,000	4,758
Securities gains (losses)	$0	4,449
Applicable income taxes	$504,000	3,812
Income before extraordinary items	$743,000	5,418
Extraordinary gains, net	$0	32
Net income	$743,000	5,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$743,000	5,317
1997-12-31 (YTD Data)		Rank
Total interest income	$4,728,000	6,021
Total interest expense	$2,424,000	5,529
Net interest income	$2,304,000	6,358
Provision for loan and lease losses	$30,000	7,369
Total noninterest income	$136,000	8,802
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	9,188
Trading account gains and fees	NA	NA
Additional Noninterest Income	$119,000	6,301
Total noninterest expense	$1,415,000	6,996
Salaries and employee benefits	$993,000	5,899
Premises and equipment expense	$121,000	8,469
Additional noninterest expense	$301,000	8,313
Pre-tax net operating income	$995,000	5,845
Securities gains (losses)	$0	3,944
Applicable income taxes	$389,000	4,959
Income before extraordinary items	$606,000	6,328
Extraordinary gains, net	$0	44
Net income	$606,000	6,329
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$606,000	6,273
1996-12-31 (YTD Data)		Rank
Total interest income	$4,308,000	6,572
Total interest expense	$2,098,000	6,231
Net interest income	$2,210,000	6,748
Provision for loan and lease losses	$33,000	7,304
Total noninterest income	$152,000	8,980
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$19,000	9,595
Trading account gains and fees	NA	NA
Additional Noninterest Income	$133,000	6,311
Total noninterest expense	$1,340,000	7,546
Salaries and employee benefits	$886,000	6,521
Premises and equipment expense	$140,000	8,281
Additional noninterest expense	$314,000	8,728
Pre-tax net operating income	$989,000	5,774
Securities gains (losses)	$0	4,148
Applicable income taxes	$412,000	4,809
Income before extraordinary items	$577,000	6,413
Extraordinary gains, net	$0	53
Net income	$577,000	6,415
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$577,000	6,343
1995-12-31 (YTD Data)		Rank
Total interest income	$3,836,000	7,173
Total interest expense	$1,793,000	6,919
Net interest income	$2,043,000	7,204
Provision for loan and lease losses	$42,000	6,540
Total noninterest income	$121,000	9,841
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$19,000	10,031
Trading account gains and fees	NA	NA
Additional Noninterest Income	$102,000	7,172
Total noninterest expense	$1,198,000	8,216
Salaries and employee benefits	$794,000	7,129
Premises and equipment expense	$76,000	10,320
Additional noninterest expense	$328,000	8,943
Pre-tax net operating income	$924,000	6,305
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$390,000	5,030
Income before extraordinary items	$538,000	6,977
Extraordinary gains, net	$0	65
Net income	$538,000	6,975
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,816
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$535,440	6,980
1994-12-31 (YTD Data)		Rank
Total interest income	$3,205,000	7,749
Total interest expense	$1,259,000	7,691
Net interest income	$1,946,000	7,690
Provision for loan and lease losses	$33,000	6,965
Total noninterest income	$49,000	11,955
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	10,605
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	10,653
Total noninterest expense	$1,065,000	9,106
Salaries and employee benefits	$653,000	8,252
Premises and equipment expense	$65,000	11,133
Additional noninterest expense	$347,000	9,382
Pre-tax net operating income	$897,000	6,417
Securities gains (losses)	$4,000	2,755
Applicable income taxes	$377,000	4,980
Income before extraordinary items	$524,000	7,119
Extraordinary gains, net	$0	249
Net income	$524,000	7,128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,413
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$521,440	7,185
1993-12-31 (YTD Data)		Rank
Total interest income	$3,158,000	8,079
Total interest expense	$1,274,000	7,985
Net interest income	$1,884,000	7,999
Provision for loan and lease losses	$20,000	9,046
Total noninterest income	$29,000	12,948
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$19,000	11,023
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	12,761
Total noninterest expense	$988,000	9,788
Salaries and employee benefits	$571,000	9,041
Premises and equipment expense	$71,000	11,459
Additional noninterest expense	$346,000	9,890
Pre-tax net operating income	$905,000	6,327
Securities gains (losses)	$31,000	4,064
Applicable income taxes	$390,000	5,101
Income before extraordinary items	$546,000	7,175
Extraordinary gains, net	$-19,000	12,447
Net income	$527,000	7,510
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	8,555
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$526,160	7,085
1992-12-31 (YTD Data)		Rank
Total interest income	$3,279,000	8,505
Total interest expense	$1,508,000	8,480
Net interest income	$1,771,000	8,436
Provision for loan and lease losses	$0	11,756
Total noninterest income	$62,000	12,785
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$18,000	11,411
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	10,778
Total noninterest expense	$872,000	10,654
Salaries and employee benefits	$467,000	10,125
Premises and equipment expense	$78,000	11,557
Additional noninterest expense	$327,000	10,471
Pre-tax net operating income	$954,000	5,833
Securities gains (losses)	$3,000	7,429
Applicable income taxes	$388,000	4,904
Income before extraordinary items	$569,000	6,789
Extraordinary gains, net	$0	1,422
Net income	$569,000	6,877
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$567,080	6,451

* 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.