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American Riviera Bank, Income and Expense

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2025-06-30 (YTD Data)		Rank
Total interest income	$31,037,000	878
Total interest expense	$8,043,000	1,172
Net interest income	$22,994,000	785
Provision for loan and lease losses	$862,000	732
Total noninterest income	$1,749,000	1,437
Gross Fiduciary activities income	$0	937
Service charges on deposit accounts	$161,000	2,097
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,588,000	1,158
Total noninterest expense	$16,365,000	873
Salaries and employee benefits	$10,580,000	771
Premises and equipment expense	$1,830,000	740
Additional noninterest expense	$1,588,000	1,175
Pre-tax net operating income	$7,516,000	913
Securities gains (losses)	$-47,000	4,125
Applicable income taxes	$1,965,000	681
Income before extraordinary items	$5,504,000	1,026
Extraordinary gains, net	$0	20
Net income	$5,504,000	1,038
Minority interest net income	$0	69
Net income of bank and minority interests.	$5,504,000	1,026
Net charge-offs	$0	2,761
Cash dividends	$0	2,872
Sale, conversion, retirement of capital stock, net	$93,000	376
Net operating income	$5,541,130	1,028
2025-03-31 (YTD Data)		Rank
Total interest income	$15,348,000	880
Total interest expense	$3,986,000	1,173
Net interest income	$11,362,000	786
Provision for loan and lease losses	$361,000	721
Total noninterest income	$820,000	1,475
Gross Fiduciary activities income	$0	918
Service charges on deposit accounts	$80,000	2,108
Trading account gains and fees	NA	NA
Additional Noninterest Income	$740,000	1,177
Total noninterest expense	$8,250,000	864
Salaries and employee benefits	$5,364,000	763
Premises and equipment expense	$919,000	751
Additional noninterest expense	$740,000	1,177
Pre-tax net operating income	$3,571,000	921
Securities gains (losses)	$-6,000	4,039
Applicable income taxes	$980,000	653
Income before extraordinary items	$2,585,000	1,043
Extraordinary gains, net	$0	47
Net income	$2,585,000	1,059
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,585,000	1,043
Net charge-offs	$0	2,299
Cash dividends	$0	2,364
Sale, conversion, retirement of capital stock, net	$-127,000	4,444
Net operating income	$2,589,740	1,054
2024-12-31 (YTD Data)		Rank
Total interest income	$60,132,000	890
Total interest expense	$17,880,000	1,121
Net interest income	$42,252,000	784
Provision for loan and lease losses	$392,000	1,563
Total noninterest income	$3,668,000	1,414
Gross Fiduciary activities income	$0	1,000
Service charges on deposit accounts	$331,000	2,104
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,337,000	1,128
Total noninterest expense	$32,058,000	867
Salaries and employee benefits	$19,866,000	787
Premises and equipment expense	$3,657,000	729
Additional noninterest expense	$3,337,000	1,128
Pre-tax net operating income	$13,470,000	933
Securities gains (losses)	$5,000	723
Applicable income taxes	$3,815,000	634
Income before extraordinary items	$9,660,000	1,038
Extraordinary gains, net	$0	53
Net income	$9,660,000	1,048
Minority interest net income	$0	90
Net income of bank and minority interests.	$9,660,000	1,038
Net charge-offs	$0	3,072
Cash dividends	$0	3,434
Sale, conversion, retirement of capital stock, net	$745,000	266
Net operating income	$9,656,050	1,050
2024-09-30 (YTD Data)		Rank
Total interest income	$44,742,000	888
Total interest expense	$13,319,000	1,131
Net interest income	$31,423,000	780
Provision for loan and lease losses	$111,000	2,112
Total noninterest income	$2,845,000	1,385
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$261,000	2,052
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,584,000	1,105
Total noninterest expense	$24,057,000	852
Salaries and employee benefits	$15,193,000	765
Premises and equipment expense	$2,693,000	746
Additional noninterest expense	$2,584,000	1,105
Pre-tax net operating income	$10,100,000	915
Securities gains (losses)	$-1,000	3,562
Applicable income taxes	$2,810,000	645
Income before extraordinary items	$7,289,000	1,027
Extraordinary gains, net	$0	51
Net income	$7,289,000	1,042
Minority interest net income	$0	82
Net income of bank and minority interests.	$7,289,000	1,029
Net charge-offs	$0	2,823
Cash dividends	$0	3,076
Sale, conversion, retirement of capital stock, net	$452,000	264
Net operating income	$7,289,790	1,032
2024-06-30 (YTD Data)		Rank
Total interest income	$29,466,000	890
Total interest expense	$8,722,000	1,129
Net interest income	$20,744,000	786
Provision for loan and lease losses	$44,000	2,338
Total noninterest income	$1,996,000	1,337
Gross Fiduciary activities income	$0	962
Service charges on deposit accounts	$187,000	1,954
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,809,000	1,073
Total noninterest expense	$15,907,000	855
Salaries and employee benefits	$10,262,000	763
Premises and equipment expense	$1,732,000	773
Additional noninterest expense	$1,809,000	1,073
Pre-tax net operating income	$6,789,000	900
Securities gains (losses)	$-30,000	4,011
Applicable income taxes	$1,844,000	639
Income before extraordinary items	$4,915,000	1,011
Extraordinary gains, net	$0	52
Net income	$4,915,000	1,025
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,915,000	1,013
Net charge-offs	$0	2,587
Cash dividends	$0	2,949
Sale, conversion, retirement of capital stock, net	$120,000	355
Net operating income	$4,938,700	1,007
2024-03-31 (YTD Data)		Rank
Total interest income	$14,538,000	894
Total interest expense	$4,078,000	1,153
Net interest income	$10,460,000	790
Provision for loan and lease losses	$-2,000	4,126
Total noninterest income	$881,000	1,411
Gross Fiduciary activities income	$0	895
Service charges on deposit accounts	$96,000	1,924
Trading account gains and fees	NA	NA
Additional Noninterest Income	$785,000	1,145
Total noninterest expense	$7,975,000	862
Salaries and employee benefits	$5,190,000	766
Premises and equipment expense	$856,000	796
Additional noninterest expense	$785,000	1,145
Pre-tax net operating income	$3,368,000	896
Securities gains (losses)	$-1,000	3,860
Applicable income taxes	$909,000	641
Income before extraordinary items	$2,458,000	1,002
Extraordinary gains, net	$0	51
Net income	$2,458,000	1,014
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,458,000	1,002
Net charge-offs	$0	2,217
Cash dividends	$0	2,345
Sale, conversion, retirement of capital stock, net	$-191,000	4,551
Net operating income	$2,458,790	1,000
2023-12-31 (YTD Data)		Rank
Total interest income	$55,470,000	855
Total interest expense	$10,406,000	1,256
Net interest income	$45,064,000	731
Provision for loan and lease losses	$171,000	2,125
Total noninterest income	$2,955,000	1,648
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$427,000	1,818
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,528,000	1,409
Total noninterest expense	$31,358,000	864
Salaries and employee benefits	$18,844,000	805
Premises and equipment expense	$3,454,000	768
Additional noninterest expense	$2,528,000	1,409
Pre-tax net operating income	$16,490,000	794
Securities gains (losses)	$-479,000	4,170
Applicable income taxes	$4,436,000	586
Income before extraordinary items	$11,575,000	894
Extraordinary gains, net	$0	54
Net income	$11,575,000	907
Minority interest net income	$0	88
Net income of bank and minority interests.	$11,575,000	897
Net charge-offs	$-8,000	3,806
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$948,000	195
Net operating income	$11,953,410	882
2023-09-30 (YTD Data)		Rank
Total interest income	$41,476,000	844
Total interest expense	$7,075,000	1,258
Net interest income	$34,401,000	726
Provision for loan and lease losses	$170,000	1,804
Total noninterest income	$1,822,000	1,820
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$357,000	1,699
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,465,000	1,632
Total noninterest expense	$23,506,000	865
Salaries and employee benefits	$14,037,000	819
Premises and equipment expense	$2,569,000	775
Additional noninterest expense	$1,465,000	1,632
Pre-tax net operating income	$12,547,000	814
Securities gains (losses)	$36,000	311
Applicable income taxes	$3,485,000	587
Income before extraordinary items	$9,098,000	900
Extraordinary gains, net	$0	52
Net income	$9,098,000	905
Minority interest net income	$0	81
Net income of bank and minority interests.	$9,098,000	900
Net charge-offs	$-7,000	3,746
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$668,000	195
Net operating income	$9,069,560	915
2023-06-30 (YTD Data)		Rank
Total interest income	$27,348,000	826
Total interest expense	$4,210,000	1,266
Net interest income	$23,138,000	721
Provision for loan and lease losses	$163,000	1,478
Total noninterest income	$1,229,000	1,747
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$240,000	1,676
Trading account gains and fees	NA	NA
Additional Noninterest Income	$989,000	1,550
Total noninterest expense	$15,716,000	845
Salaries and employee benefits	$9,469,000	801
Premises and equipment expense	$1,729,000	759
Additional noninterest expense	$989,000	1,548
Pre-tax net operating income	$8,488,000	807
Securities gains (losses)	$30,000	365
Applicable income taxes	$2,354,000	582
Income before extraordinary items	$6,164,000	897
Extraordinary gains, net	$0	51
Net income	$6,164,000	909
Minority interest net income	$0	81
Net income of bank and minority interests.	$6,164,000	897
Net charge-offs	$-6,000	3,775
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$395,000	190
Net operating income	$6,140,300	911
2023-03-31 (YTD Data)		Rank
Total interest income	$13,341,000	838
Total interest expense	$1,506,000	1,419
Net interest income	$11,835,000	714
Provision for loan and lease losses	$0	2,612
Total noninterest income	$420,000	2,144
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$126,000	1,634
Trading account gains and fees	NA	NA
Additional Noninterest Income	$294,000	2,027
Total noninterest expense	$7,893,000	850
Salaries and employee benefits	$4,911,000	792
Premises and equipment expense	$883,000	773
Additional noninterest expense	$294,000	2,027
Pre-tax net operating income	$4,362,000	828
Securities gains (losses)	$15,000	490
Applicable income taxes	$1,166,000	608
Income before extraordinary items	$3,211,000	892
Extraordinary gains, net	$0	4
Net income	$3,211,000	891
Minority interest net income	$0	48
Net income of bank and minority interests.	$3,211,000	891
Net charge-offs	$-3,000	3,659
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$-59,000	4,641
Net operating income	$3,199,150	906
2022-12-31 (YTD Data)		Rank
Total interest income	$49,798,000	746
Total interest expense	$1,362,000	2,031
Net interest income	$48,436,000	690
Provision for loan and lease losses	$1,147,000	745
Total noninterest income	$2,496,000	1,820
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$451,000	1,800
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,045,000	1,605
Total noninterest expense	$29,893,000	880
Salaries and employee benefits	$18,200,000	819
Premises and equipment expense	$3,083,000	840
Additional noninterest expense	$2,045,000	1,605
Pre-tax net operating income	$19,892,000	753
Securities gains (losses)	$-117,000	3,955
Applicable income taxes	$5,564,000	563
Income before extraordinary items	$14,211,000	839
Extraordinary gains, net	$0	5
Net income	$14,211,000	840
Minority interest net income	$0	63
Net income of bank and minority interests.	$14,211,000	840
Net charge-offs	$-96,000	4,265
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$16,677,000	59
Net operating income	$14,303,430	850
2022-09-30 (YTD Data)		Rank
Total interest income	$35,491,000	746
Total interest expense	$693,000	2,207
Net interest income	$34,798,000	709
Provision for loan and lease losses	$1,024,000	612
Total noninterest income	$1,895,000	1,820
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$336,000	1,826
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,559,000	1,607
Total noninterest expense	$20,986,000	911
Salaries and employee benefits	$12,749,000	858
Premises and equipment expense	$2,247,000	860
Additional noninterest expense	$1,559,000	1,607
Pre-tax net operating income	$14,683,000	767
Securities gains (losses)	$-24,000	3,979
Applicable income taxes	$4,115,000	575
Income before extraordinary items	$10,544,000	851
Extraordinary gains, net	$0	4
Net income	$10,544,000	851
Minority interest net income	$0	57
Net income of bank and minority interests.	$10,544,000	851
Net charge-offs	$-93,000	4,274
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$15,795,000	52
Net operating income	$10,562,960	867
2022-06-30 (YTD Data)		Rank
Total interest income	$22,354,000	754
Total interest expense	$426,000	2,166
Net interest income	$21,928,000	723
Provision for loan and lease losses	$916,000	454
Total noninterest income	$1,268,000	1,802
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$198,000	1,978
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,070,000	1,612
Total noninterest expense	$13,567,000	912
Salaries and employee benefits	$8,297,000	867
Premises and equipment expense	$1,490,000	857
Additional noninterest expense	$3,780,000	975
Pre-tax net operating income	$8,713,000	807
Securities gains (losses)	$-27,000	4,141
Applicable income taxes	$2,314,000	597
Income before extraordinary items	$6,372,000	873
Extraordinary gains, net	$0	4
Net income	$6,372,000	873
Minority interest net income	$0	60
Net income of bank and minority interests.	$6,372,000	873
Net charge-offs	$-68,000	4,288
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$15,796,000	40
Net operating income	$6,393,330	883
2022-03-31 (YTD Data)		Rank
Total interest income	$10,830,000	754
Total interest expense	$210,000	2,134
Net interest income	$10,620,000	724
Provision for loan and lease losses	$0	2,285
Total noninterest income	$856,000	1,514
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$70,000	2,323
Trading account gains and fees	NA	NA
Additional Noninterest Income	$786,000	1,265
Total noninterest expense	$6,845,000	910
Salaries and employee benefits	$4,204,000	860
Premises and equipment expense	$744,000	862
Additional noninterest expense	$1,897,000	957
Pre-tax net operating income	$4,631,000	726
Securities gains (losses)	$-8,000	4,222
Applicable income taxes	$1,342,000	537
Income before extraordinary items	$3,281,000	823
Extraordinary gains, net	$0	4
Net income	$3,281,000	822
Minority interest net income	$0	50
Net income of bank and minority interests.	$3,281,000	823
Net charge-offs	$-11,000	3,948
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$15,805,000	16
Net operating income	$3,287,320	829
2021-12-31 (YTD Data)		Rank
Total interest income	$40,931,000	812
Total interest expense	$949,000	2,285
Net interest income	$39,982,000	768
Provision for loan and lease losses	$338,000	1,325
Total noninterest income	$2,629,000	1,953
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$225,000	2,532
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,404,000	1,725
Total noninterest expense	$25,961,000	956
Salaries and employee benefits	$16,007,000	887
Premises and equipment expense	$2,872,000	897
Additional noninterest expense	$7,082,000	1,022
Pre-tax net operating income	$16,312,000	885
Securities gains (losses)	$63,000	1,029
Applicable income taxes	$4,546,000	669
Income before extraordinary items	$11,829,000	1,007
Extraordinary gains, net	$0	10
Net income	$11,829,000	1,008
Minority interest net income	$0	74
Net income of bank and minority interests.	$11,829,000	1,008
Net charge-offs	$-578,000	4,734
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$826,000	252
Net operating income	$11,779,230	995
2021-09-30 (YTD Data)		Rank
Total interest income	$30,733,000	828
Total interest expense	$742,000	2,320
Net interest income	$29,991,000	774
Provision for loan and lease losses	$338,000	1,086
Total noninterest income	$2,145,000	1,896
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$155,000	2,648
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,990,000	1,679
Total noninterest expense	$19,249,000	966
Salaries and employee benefits	$12,004,000	895
Premises and equipment expense	$2,124,000	922
Additional noninterest expense	$5,121,000	1,049
Pre-tax net operating income	$12,549,000	897
Securities gains (losses)	$48,000	1,071
Applicable income taxes	$3,515,000	675
Income before extraordinary items	$9,082,000	1,029
Extraordinary gains, net	$0	8
Net income	$9,082,000	1,029
Minority interest net income	$0	69
Net income of bank and minority interests.	$9,082,000	1,029
Net charge-offs	$-571,000	4,824
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$564,000	235
Net operating income	$9,044,080	1,014
2021-06-30 (YTD Data)		Rank
Total interest income	$20,284,000	828
Total interest expense	$522,000	2,312
Net interest income	$19,762,000	778
Provision for loan and lease losses	$338,000	822
Total noninterest income	$1,350,000	1,909
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$101,000	2,632
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,249,000	1,694
Total noninterest expense	$12,244,000	996
Salaries and employee benefits	$7,535,000	932
Premises and equipment expense	$1,368,000	942
Additional noninterest expense	$3,341,000	1,056
Pre-tax net operating income	$8,530,000	868
Securities gains (losses)	$33,000	1,028
Applicable income taxes	$2,431,000	656
Income before extraordinary items	$6,132,000	1,006
Extraordinary gains, net	$0	6
Net income	$6,132,000	1,007
Minority interest net income	$0	67
Net income of bank and minority interests.	$6,132,000	1,006
Net charge-offs	$-568,000	4,878
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$409,000	204
Net operating income	$6,105,930	986
2021-03-31 (YTD Data)		Rank
Total interest income	$9,405,000	878
Total interest expense	$263,000	2,371
Net interest income	$9,142,000	823
Provision for loan and lease losses	$338,000	505
Total noninterest income	$591,000	2,050
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$52,000	2,592
Trading account gains and fees	NA	NA
Additional Noninterest Income	$539,000	1,841
Total noninterest expense	$5,835,000	1,018
Salaries and employee benefits	$3,706,000	937
Premises and equipment expense	$590,000	1,060
Additional noninterest expense	$1,539,000	1,094
Pre-tax net operating income	$3,560,000	1,013
Securities gains (losses)	$33,000	769
Applicable income taxes	$1,033,000	726
Income before extraordinary items	$2,560,000	1,182
Extraordinary gains, net	$0	3
Net income	$2,560,000	1,182
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,560,000	1,182
Net charge-offs	$-12,000	4,135
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$83,000	274
Net operating income	$2,533,930	1,155
2020-12-31 (YTD Data)		Rank
Total interest income	$35,437,000	920
Total interest expense	$2,114,000	1,914
Net interest income	$33,323,000	858
Provision for loan and lease losses	$2,120,000	1,006
Total noninterest income	$2,087,000	2,077
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$227,000	2,601
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,860,000	1,858
Total noninterest expense	$23,094,000	1,008
Salaries and employee benefits	$14,398,000	938
Premises and equipment expense	$2,750,000	917
Additional noninterest expense	$5,946,000	1,095
Pre-tax net operating income	$10,196,000	1,050
Securities gains (losses)	$145,000	1,193
Applicable income taxes	$2,963,000	701
Income before extraordinary items	$7,378,000	1,214
Extraordinary gains, net	$0	4
Net income	$7,378,000	1,214
Minority interest net income	$0	72
Net income of bank and minority interests.	$7,378,000	1,214
Net charge-offs	$19,000	2,819
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$705,000	232
Net operating income	$7,263,450	1,193
2020-09-30 (YTD Data)		Rank
Total interest income	$25,962,000	942
Total interest expense	$1,819,000	1,820
Net interest income	$24,143,000	878
Provision for loan and lease losses	$1,702,000	981
Total noninterest income	$1,474,000	2,107
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$172,000	2,587
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,302,000	1,893
Total noninterest expense	$16,955,000	1,008
Salaries and employee benefits	$10,551,000	942
Premises and equipment expense	$2,028,000	917
Additional noninterest expense	$4,376,000	1,106
Pre-tax net operating income	$6,960,000	1,090
Securities gains (losses)	$107,000	1,178
Applicable income taxes	$2,067,000	714
Income before extraordinary items	$5,000,000	1,273
Extraordinary gains, net	$0	4
Net income	$5,000,000	1,273
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,000,000	1,273
Net charge-offs	$28,000	2,359
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$537,000	207
Net operating income	$4,915,470	1,251
2020-06-30 (YTD Data)		Rank
Total interest income	$16,969,000	973
Total interest expense	$1,464,000	1,670
Net interest income	$15,505,000	897
Provision for loan and lease losses	$1,493,000	865
Total noninterest income	$1,035,000	1,981
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$126,000	2,502
Trading account gains and fees	NA	NA
Additional Noninterest Income	$909,000	1,761
Total noninterest expense	$11,232,000	998
Salaries and employee benefits	$6,947,000	950
Premises and equipment expense	$1,351,000	919
Additional noninterest expense	$2,934,000	1,089
Pre-tax net operating income	$3,815,000	1,201
Securities gains (losses)	$13,000	1,801
Applicable income taxes	$1,092,000	773
Income before extraordinary items	$2,736,000	1,422
Extraordinary gains, net	$0	4
Net income	$2,736,000	1,422
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,736,000	1,422
Net charge-offs	$-31,000	4,630
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$385,000	187
Net operating income	$2,725,730	1,380
2020-03-31 (YTD Data)		Rank
Total interest income	$8,260,000	997
Total interest expense	$915,000	1,519
Net interest income	$7,345,000	927
Provision for loan and lease losses	$783,000	698
Total noninterest income	$634,000	1,696
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$77,000	2,474
Trading account gains and fees	NA	NA
Additional Noninterest Income	$557,000	1,417
Total noninterest expense	$5,531,000	1,023
Salaries and employee benefits	$3,452,000	948
Premises and equipment expense	$684,000	927
Additional noninterest expense	$1,395,000	1,159
Pre-tax net operating income	$1,665,000	1,223
Securities gains (losses)	$-26,000	4,900
Applicable income taxes	$468,000	778
Income before extraordinary items	$1,171,000	1,458
Extraordinary gains, net	$0	4
Net income	$1,171,000	1,455
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,171,000	1,458
Net charge-offs	$-22,000	4,683
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$50,000	318
Net operating income	$1,191,540	1,415
2019-12-31 (YTD Data)		Rank
Total interest income	$31,332,000	1,047
Total interest expense	$4,249,000	1,420
Net interest income	$27,083,000	976
Provision for loan and lease losses	$806,000	1,070
Total noninterest income	$2,100,000	1,919
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$367,000	2,321
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,733,000	1,670
Total noninterest expense	$19,621,000	1,108
Salaries and employee benefits	$11,922,000	1,044
Premises and equipment expense	$2,358,000	1,026
Additional noninterest expense	$5,341,000	1,175
Pre-tax net operating income	$8,756,000	1,160
Securities gains (losses)	$143,000	758
Applicable income taxes	$2,506,000	785
Income before extraordinary items	$6,393,000	1,327
Extraordinary gains, net	$0	11
Net income	$6,393,000	1,328
Minority interest net income	$0	76
Net income of bank and minority interests.	$6,393,000	1,329
Net charge-offs	$-17,000	4,562
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$8,557,000	69
Net operating income	$6,280,030	1,319
2019-09-30 (YTD Data)		Rank
Total interest income	$23,195,000	1,062
Total interest expense	$3,122,000	1,441
Net interest income	$20,073,000	994
Provision for loan and lease losses	$601,000	1,005
Total noninterest income	$1,527,000	1,960
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$269,000	2,377
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,258,000	1,689
Total noninterest expense	$14,422,000	1,119
Salaries and employee benefits	$8,710,000	1,068
Premises and equipment expense	$1,693,000	1,071
Additional noninterest expense	$4,019,000	1,177
Pre-tax net operating income	$6,577,000	1,180
Securities gains (losses)	$92,000	820
Applicable income taxes	$1,845,000	808
Income before extraordinary items	$4,824,000	1,344
Extraordinary gains, net	$0	11
Net income	$4,824,000	1,345
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,824,000	1,346
Net charge-offs	$-2,000	4,087
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$8,412,000	53
Net operating income	$4,751,320	1,324
2019-06-30 (YTD Data)		Rank
Total interest income	$15,212,000	1,072
Total interest expense	$2,024,000	1,444
Net interest income	$13,188,000	1,002
Provision for loan and lease losses	$396,000	1,021
Total noninterest income	$967,000	1,989
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$165,000	2,473
Trading account gains and fees	NA	NA
Additional Noninterest Income	$802,000	1,712
Total noninterest expense	$9,293,000	1,145
Salaries and employee benefits	$5,573,000	1,107
Premises and equipment expense	$1,040,000	1,140
Additional noninterest expense	$2,680,000	1,184
Pre-tax net operating income	$4,466,000	1,141
Securities gains (losses)	$7,000	1,296
Applicable income taxes	$1,199,000	806
Income before extraordinary items	$3,274,000	1,299
Extraordinary gains, net	$0	11
Net income	$3,274,000	1,299
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,274,000	1,299
Net charge-offs	$55,000	1,767
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$8,261,000	33
Net operating income	$3,268,470	1,281
2019-03-31 (YTD Data)		Rank
Total interest income	$7,559,000	1,075
Total interest expense	$967,000	1,468
Net interest income	$6,592,000	1,004
Provision for loan and lease losses	$175,000	1,043
Total noninterest income	$409,000	2,140
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$82,000	2,483
Trading account gains and fees	NA	NA
Additional Noninterest Income	$327,000	1,880
Total noninterest expense	$4,499,000	1,174
Salaries and employee benefits	$2,692,000	1,145
Premises and equipment expense	$494,000	1,208
Additional noninterest expense	$1,313,000	1,197
Pre-tax net operating income	$2,327,000	1,089
Securities gains (losses)	$11,000	693
Applicable income taxes	$570,000	818
Income before extraordinary items	$1,768,000	1,202
Extraordinary gains, net	$0	5
Net income	$1,768,000	1,201
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,768,000	1,201
Net charge-offs	$57,000	1,144
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$8,036,000	21
Net operating income	$1,759,310	1,185
2018-12-31 (YTD Data)		Rank
Total interest income	$26,952,000	1,102
Total interest expense	$2,093,000	1,882
Net interest income	$24,859,000	1,036
Provision for loan and lease losses	$1,294,000	720
Total noninterest income	$1,079,000	2,760
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$368,000	2,415
Trading account gains and fees	NA	NA
Additional Noninterest Income	$711,000	2,634
Total noninterest expense	$16,298,000	1,250
Salaries and employee benefits	$9,694,000	1,198
Premises and equipment expense	$1,806,000	1,285
Additional noninterest expense	$4,798,000	1,285
Pre-tax net operating income	$8,346,000	1,194
Securities gains (losses)	$-10,000	4,411
Applicable income taxes	$2,446,000	759
Income before extraordinary items	$5,890,000	1,370
Extraordinary gains, net	$0	6
Net income	$5,890,000	1,369
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,890,000	1,369
Net charge-offs	$12,000	3,283
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$582,000	292
Net operating income	$5,897,900	1,360
2018-09-30 (YTD Data)		Rank
Total interest income	$19,441,000	1,126
Total interest expense	$1,339,000	2,013
Net interest income	$18,102,000	1,059
Provision for loan and lease losses	$925,000	686
Total noninterest income	$926,000	2,608
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$281,000	2,399
Trading account gains and fees	NA	NA
Additional Noninterest Income	$645,000	2,435
Total noninterest expense	$11,951,000	1,264
Salaries and employee benefits	$7,061,000	1,225
Premises and equipment expense	$1,304,000	1,328
Additional noninterest expense	$3,586,000	1,298
Pre-tax net operating income	$6,152,000	1,217
Securities gains (losses)	$-1,000	4,378
Applicable income taxes	$1,755,000	792
Income before extraordinary items	$4,396,000	1,384
Extraordinary gains, net	$0	5
Net income	$4,396,000	1,383
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,396,000	1,383
Net charge-offs	$-11,000	4,502
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$505,000	255
Net operating income	$4,396,790	1,371
2018-06-30 (YTD Data)		Rank
Total interest income	$12,489,000	1,155
Total interest expense	$711,000	2,264
Net interest income	$11,778,000	1,082
Provision for loan and lease losses	$631,000	665
Total noninterest income	$599,000	2,645
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$190,000	2,368
Trading account gains and fees	NA	NA
Additional Noninterest Income	$409,000	2,494
Total noninterest expense	$7,828,000	1,289
Salaries and employee benefits	$4,631,000	1,249
Premises and equipment expense	$821,000	1,407
Additional noninterest expense	$2,376,000	1,311
Pre-tax net operating income	$3,918,000	1,235
Securities gains (losses)	$14,000	539
Applicable income taxes	$1,105,000	820
Income before extraordinary items	$2,827,000	1,412
Extraordinary gains, net	$0	6
Net income	$2,827,000	1,411
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,827,000	1,411
Net charge-offs	$-4,000	4,246
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$317,000	237
Net operating income	$2,815,940	1,403
2018-03-31 (YTD Data)		Rank
Total interest income	$5,985,000	1,192
Total interest expense	$287,000	2,533
Net interest income	$5,698,000	1,107
Provision for loan and lease losses	$268,000	762
Total noninterest income	$302,000	2,618
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$95,000	2,377
Trading account gains and fees	NA	NA
Additional Noninterest Income	$207,000	2,438
Total noninterest expense	$3,894,000	1,300
Salaries and employee benefits	$2,354,000	1,242
Premises and equipment expense	$391,000	1,480
Additional noninterest expense	$1,149,000	1,334
Pre-tax net operating income	$1,838,000	1,272
Securities gains (losses)	$0	735
Applicable income taxes	$486,000	893
Income before extraordinary items	$1,352,000	1,445
Extraordinary gains, net	$0	7
Net income	$1,352,000	1,444
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,352,000	1,445
Net charge-offs	$-1,000	3,770
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$-47,000	5,569
Net operating income	$1,352,000	1,433
2017-12-31 (YTD Data)		Rank
Total interest income	$22,320,000	1,227
Total interest expense	$1,038,000	2,483
Net interest income	$21,282,000	1,148
Provision for loan and lease losses	$914,000	968
Total noninterest income	$1,063,000	2,858
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$398,000	2,400
Trading account gains and fees	NA	NA
Additional Noninterest Income	$665,000	2,795
Total noninterest expense	$13,736,000	1,464
Salaries and employee benefits	$8,066,000	1,401
Premises and equipment expense	$1,553,000	1,476
Additional noninterest expense	$4,117,000	1,474
Pre-tax net operating income	$7,695,000	1,213
Securities gains (losses)	$0	2,243
Applicable income taxes	$4,159,000	753
Income before extraordinary items	$3,536,000	1,793
Extraordinary gains, net	$0	9
Net income	$3,536,000	1,793
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,536,000	1,794
Net charge-offs	$22,000	3,387
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$291,000	354
Net operating income	$3,536,000	1,772
2017-09-30 (YTD Data)		Rank
Total interest income	$16,605,000	1,243
Total interest expense	$762,000	2,500
Net interest income	$15,843,000	1,159
Provision for loan and lease losses	$707,000	917
Total noninterest income	$827,000	2,827
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$311,000	2,345
Trading account gains and fees	NA	NA
Additional Noninterest Income	$516,000	2,775
Total noninterest expense	$10,145,000	1,485
Salaries and employee benefits	$5,880,000	1,435
Premises and equipment expense	$1,155,000	1,495
Additional noninterest expense	$3,110,000	1,470
Pre-tax net operating income	$5,818,000	1,234
Securities gains (losses)	$0	2,274
Applicable income taxes	$2,317,000	837
Income before extraordinary items	$3,501,000	1,523
Extraordinary gains, net	$0	9
Net income	$3,501,000	1,522
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,501,000	1,523
Net charge-offs	$-1,000	4,281
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$186,000	353
Net operating income	$3,501,000	1,506
2017-06-30 (YTD Data)		Rank
Total interest income	$10,725,000	1,266
Total interest expense	$488,000	2,531
Net interest income	$10,237,000	1,183
Provision for loan and lease losses	$639,000	720
Total noninterest income	$558,000	2,816
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$213,000	2,289
Trading account gains and fees	NA	NA
Additional Noninterest Income	$345,000	2,770
Total noninterest expense	$6,696,000	1,504
Salaries and employee benefits	$3,854,000	1,457
Premises and equipment expense	$741,000	1,546
Additional noninterest expense	$2,101,000	1,443
Pre-tax net operating income	$3,460,000	1,326
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,342,000	909
Income before extraordinary items	$2,118,000	1,623
Extraordinary gains, net	$0	11
Net income	$2,118,000	1,623
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,118,000	1,623
Net charge-offs	$5,000	3,121
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$107,000	347
Net operating income	$2,118,000	1,602
2017-03-31 (YTD Data)		Rank
Total interest income	$5,236,000	1,276
Total interest expense	$225,000	2,637
Net interest income	$5,011,000	1,194
Provision for loan and lease losses	$387,000	554
Total noninterest income	$272,000	2,838
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$98,000	2,412
Trading account gains and fees	NA	NA
Additional Noninterest Income	$174,000	2,744
Total noninterest expense	$3,300,000	1,519
Salaries and employee benefits	$1,955,000	1,466
Premises and equipment expense	$369,000	1,561
Additional noninterest expense	$976,000	1,542
Pre-tax net operating income	$1,596,000	1,381
Securities gains (losses)	$0	1,153
Applicable income taxes	$641,000	911
Income before extraordinary items	$955,000	1,732
Extraordinary gains, net	$0	8
Net income	$955,000	1,731
Minority interest net income	$0	55
Net income of bank and minority interests.	$955,000	1,732
Net charge-offs	$20,000	1,889
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$-38,000	5,826
Net operating income	$955,000	1,716
2016-12-31 (YTD Data)		Rank
Total interest income	$21,097,000	1,236
Total interest expense	$808,000	2,802
Net interest income	$20,289,000	1,150
Provision for loan and lease losses	$505,000	1,452
Total noninterest income	$1,184,000	2,784
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$362,000	2,624
Trading account gains and fees	$0	170
Additional Noninterest Income	$822,000	2,627
Total noninterest expense	$13,942,000	1,402
Salaries and employee benefits	$7,748,000	1,409
Premises and equipment expense	$1,549,000	1,475
Additional noninterest expense	$4,645,000	1,342
Pre-tax net operating income	$7,026,000	1,241
Securities gains (losses)	$0	3,212
Applicable income taxes	$2,896,000	806
Income before extraordinary items	$4,130,000	1,608
Extraordinary gains, net	$0	5
Net income	$4,130,000	1,606
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,130,000	1,607
Net charge-offs	$-160,000	5,626
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$583,000	261
Net operating income	$4,130,000	1,580
2016-09-30 (YTD Data)		Rank
Total interest income	$15,637,000	1,255
Total interest expense	$657,000	2,642
Net interest income	$14,980,000	1,171
Provision for loan and lease losses	$388,000	1,384
Total noninterest income	$808,000	2,932
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$278,000	2,593
Trading account gains and fees	$0	169
Additional Noninterest Income	$530,000	2,826
Total noninterest expense	$10,441,000	1,402
Salaries and employee benefits	$5,740,000	1,416
Premises and equipment expense	$1,161,000	1,474
Additional noninterest expense	$3,540,000	1,326
Pre-tax net operating income	$4,959,000	1,330
Securities gains (losses)	$0	3,160
Applicable income taxes	$1,944,000	880
Income before extraordinary items	$3,015,000	1,686
Extraordinary gains, net	$0	5
Net income	$3,015,000	1,686
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,015,000	1,686
Net charge-offs	$-135,000	5,651
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$470,000	228
Net operating income	$3,015,000	1,634
2016-06-30 (YTD Data)		Rank
Total interest income	$10,462,000	1,258
Total interest expense	$436,000	2,668
Net interest income	$10,026,000	1,170
Provision for loan and lease losses	$251,000	1,402
Total noninterest income	$507,000	3,012
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$173,000	2,689
Trading account gains and fees	$0	157
Additional Noninterest Income	$334,000	2,888
Total noninterest expense	$7,289,000	1,357
Salaries and employee benefits	$3,957,000	1,389
Premises and equipment expense	$766,000	1,492
Additional noninterest expense	$2,566,000	1,239
Pre-tax net operating income	$2,993,000	1,402
Securities gains (losses)	$0	2,835
Applicable income taxes	$1,387,000	845
Income before extraordinary items	$1,606,000	1,993
Extraordinary gains, net	$0	16
Net income	$1,606,000	1,993
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,606,000	1,993
Net charge-offs	$-71,000	5,607
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$224,000	265
Net operating income	$1,606,000	1,927
2016-03-31 (YTD Data)		Rank
Total interest income	$4,816,000	1,341
Total interest expense	$219,000	2,670
Net interest income	$4,597,000	1,261
Provision for loan and lease losses	$86,000	1,665
Total noninterest income	$209,000	3,300
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$86,000	2,674
Trading account gains and fees	$0	142
Additional Noninterest Income	$123,000	3,242
Total noninterest expense	$4,088,000	1,242
Salaries and employee benefits	$2,188,000	1,286
Premises and equipment expense	$391,000	1,478
Additional noninterest expense	$1,509,000	1,083
Pre-tax net operating income	$632,000	2,657
Securities gains (losses)	$0	2,077
Applicable income taxes	$455,000	1,130
Income before extraordinary items	$177,000	4,408
Extraordinary gains, net	$0	12
Net income	$177,000	4,406
Minority interest net income	$0	62
Net income of bank and minority interests.	$177,000	4,408
Net charge-offs	$-40,000	5,674
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$122,000	233
Net operating income	$177,000	4,351
2015-12-31 (YTD Data)		Rank
Total interest income	$10,239,000	2,320
Total interest expense	$406,000	4,108
Net interest income	$9,833,000	2,176
Provision for loan and lease losses	$353,000	1,740
Total noninterest income	$560,000	4,001
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$138,000	4,256
Trading account gains and fees	$0	159
Additional Noninterest Income	$422,000	3,527
Total noninterest expense	$7,590,000	2,411
Salaries and employee benefits	$4,051,000	2,472
Premises and equipment expense	$1,050,000	2,099
Additional noninterest expense	$2,489,000	2,349
Pre-tax net operating income	$2,450,000	2,673
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,148,000	1,470
Income before extraordinary items	$1,302,000	3,469
Extraordinary gains, net	$0	23
Net income	$1,302,000	3,467
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,302,000	3,469
Net charge-offs	$-283,000	5,924
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$224,000	412
Net operating income	$1,302,000	3,428
2015-09-30 (YTD Data)		Rank
Total interest income	$7,420,000	2,409
Total interest expense	$306,000	4,165
Net interest income	$7,114,000	2,270
Provision for loan and lease losses	$163,000	2,190
Total noninterest income	$430,000	3,992
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$98,000	4,379
Trading account gains and fees	$0	153
Additional Noninterest Income	$332,000	3,469
Total noninterest expense	$5,598,000	2,447
Salaries and employee benefits	$2,957,000	2,524
Premises and equipment expense	$798,000	2,112
Additional noninterest expense	$1,843,000	2,374
Pre-tax net operating income	$1,783,000	2,766
Securities gains (losses)	$0	3,031
Applicable income taxes	$847,000	1,531
Income before extraordinary items	$936,000	3,614
Extraordinary gains, net	$0	21
Net income	$936,000	3,613
Minority interest net income	$0	78
Net income of bank and minority interests.	$936,000	3,614
Net charge-offs	$-145,000	5,891
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$181,000	372
Net operating income	$936,000	3,553
2015-06-30 (YTD Data)		Rank
Total interest income	$4,821,000	2,465
Total interest expense	$214,000	4,109
Net interest income	$4,607,000	2,325
Provision for loan and lease losses	$0	4,069
Total noninterest income	$305,000	3,907
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$62,000	4,455
Trading account gains and fees	$0	157
Additional Noninterest Income	$243,000	3,350
Total noninterest expense	$3,574,000	2,553
Salaries and employee benefits	$1,910,000	2,607
Premises and equipment expense	$536,000	2,107
Additional noninterest expense	$1,128,000	2,558
Pre-tax net operating income	$1,338,000	2,538
Securities gains (losses)	$0	2,636
Applicable income taxes	$533,000	1,564
Income before extraordinary items	$805,000	3,148
Extraordinary gains, net	$0	22
Net income	$805,000	3,148
Minority interest net income	$0	75
Net income of bank and minority interests.	$805,000	3,149
Net charge-offs	$-89,000	5,900
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$129,000	346
Net operating income	$805,000	3,083
2015-03-31 (YTD Data)		Rank
Total interest income	$2,406,000	2,470
Total interest expense	$108,000	4,141
Net interest income	$2,298,000	2,322
Provision for loan and lease losses	$0	3,703
Total noninterest income	$156,000	3,841
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$29,000	4,554
Trading account gains and fees	$0	152
Additional Noninterest Income	$127,000	3,263
Total noninterest expense	$1,720,000	2,633
Salaries and employee benefits	$966,000	2,594
Premises and equipment expense	$264,000	2,148
Additional noninterest expense	$490,000	2,833
Pre-tax net operating income	$734,000	2,343
Securities gains (losses)	$0	2,027
Applicable income taxes	$291,000	1,477
Income before extraordinary items	$443,000	2,945
Extraordinary gains, net	$0	13
Net income	$443,000	2,948
Minority interest net income	$0	64
Net income of bank and minority interests.	$443,000	2,948
Net charge-offs	$-41,000	5,894
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$27,000	435
Net operating income	$443,000	2,869
2014-12-31 (YTD Data)		Rank
Total interest income	$8,985,000	2,647
Total interest expense	$472,000	4,134
Net interest income	$8,513,000	2,488
Provision for loan and lease losses	$-290,000	6,183
Total noninterest income	$336,000	4,864
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$98,000	5,027
Trading account gains and fees	$0	180
Additional Noninterest Income	$238,000	4,322
Total noninterest expense	$6,572,000	2,738
Salaries and employee benefits	$3,703,000	2,661
Premises and equipment expense	$1,061,000	2,142
Additional noninterest expense	$1,808,000	3,108
Pre-tax net operating income	$2,567,000	2,533
Securities gains (losses)	$0	3,259
Applicable income taxes	$998,000	1,536
Income before extraordinary items	$1,569,000	3,167
Extraordinary gains, net	$0	17
Net income	$1,569,000	3,167
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,569,000	3,168
Net charge-offs	$-290,000	6,315
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$168,000	458
Net operating income	$1,569,000	3,114
2014-09-30 (YTD Data)		Rank
Total interest income	$6,673,000	2,686
Total interest expense	$358,000	4,170
Net interest income	$6,315,000	2,528
Provision for loan and lease losses	$0	4,401
Total noninterest income	$242,000	4,967
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$73,000	5,100
Trading account gains and fees	$0	174
Additional Noninterest Income	$169,000	4,428
Total noninterest expense	$4,878,000	2,768
Salaries and employee benefits	$2,749,000	2,683
Premises and equipment expense	$789,000	2,172
Additional noninterest expense	$1,340,000	3,142
Pre-tax net operating income	$1,679,000	2,826
Securities gains (losses)	$0	2,980
Applicable income taxes	$646,000	1,737
Income before extraordinary items	$1,033,000	3,439
Extraordinary gains, net	$0	15
Net income	$1,033,000	3,440
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,033,000	3,440
Net charge-offs	$-167,000	6,312
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$75,000	505
Net operating income	$1,033,000	3,393
2014-06-30 (YTD Data)		Rank
Total interest income	$4,366,000	2,730
Total interest expense	$233,000	4,255
Net interest income	$4,133,000	2,558
Provision for loan and lease losses	$0	4,196
Total noninterest income	$147,000	5,067
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$48,000	5,127
Trading account gains and fees	$0	172
Additional Noninterest Income	$99,000	4,577
Total noninterest expense	$3,170,000	2,844
Salaries and employee benefits	$1,832,000	2,699
Premises and equipment expense	$520,000	2,201
Additional noninterest expense	$818,000	3,355
Pre-tax net operating income	$1,110,000	2,783
Securities gains (losses)	$0	2,580
Applicable income taxes	$442,000	1,669
Income before extraordinary items	$668,000	3,421
Extraordinary gains, net	$0	20
Net income	$668,000	3,427
Minority interest net income	$0	80
Net income of bank and minority interests.	$668,000	3,427
Net charge-offs	$-66,000	6,223
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$17,000	620
Net operating income	$668,000	3,382
2014-03-31 (YTD Data)		Rank
Total interest income	$2,114,000	2,801
Total interest expense	$114,000	4,353
Net interest income	$2,000,000	2,629
Provision for loan and lease losses	$0	3,817
Total noninterest income	$76,000	5,009
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$24,000	5,131
Trading account gains and fees	$0	147
Additional Noninterest Income	$52,000	4,505
Total noninterest expense	$1,601,000	2,841
Salaries and employee benefits	$942,000	2,658
Premises and equipment expense	$261,000	2,224
Additional noninterest expense	$398,000	3,418
Pre-tax net operating income	$475,000	3,004
Securities gains (losses)	$0	1,715
Applicable income taxes	$189,000	1,770
Income before extraordinary items	$286,000	3,628
Extraordinary gains, net	$0	16
Net income	$286,000	3,630
Minority interest net income	$0	66
Net income of bank and minority interests.	$286,000	3,631
Net charge-offs	$-48,000	6,301
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$-38,000	6,695
Net operating income	$286,000	3,573
2013-12-31 (YTD Data)		Rank
Total interest income	$8,456,000	2,819
Total interest expense	$457,000	4,653
Net interest income	$7,999,000	2,603
Provision for loan and lease losses	$0	5,091
Total noninterest income	$466,000	4,509
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$68,000	5,700
Trading account gains and fees	$0	184
Additional Noninterest Income	$398,000	3,683
Total noninterest expense	$6,131,000	2,939
Salaries and employee benefits	$3,450,000	2,833
Premises and equipment expense	$1,028,000	2,199
Additional noninterest expense	$1,653,000	3,413
Pre-tax net operating income	$2,334,000	2,576
Securities gains (losses)	$5,000	2,813
Applicable income taxes	$938,000	1,530
Income before extraordinary items	$1,401,000	3,287
Extraordinary gains, net	$0	29
Net income	$1,401,000	3,289
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,401,000	3,290
Net charge-offs	$507,000	2,004
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$250,000	387
Net operating income	$1,397,800	3,231
2013-09-30 (YTD Data)		Rank
Total interest income	$6,420,000	2,816
Total interest expense	$343,000	4,740
Net interest income	$6,077,000	2,586
Provision for loan and lease losses	$0	4,941
Total noninterest income	$382,000	4,442
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$42,000	5,950
Trading account gains and fees	$0	180
Additional Noninterest Income	$340,000	3,558
Total noninterest expense	$4,464,000	3,008
Salaries and employee benefits	$2,478,000	2,923
Premises and equipment expense	$770,000	2,227
Additional noninterest expense	$1,216,000	3,457
Pre-tax net operating income	$1,995,000	2,420
Securities gains (losses)	$5,000	2,677
Applicable income taxes	$797,000	1,451
Income before extraordinary items	$1,203,000	3,078
Extraordinary gains, net	$0	25
Net income	$1,203,000	3,082
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,203,000	3,082
Net charge-offs	$252,000	2,306
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$100,000	460
Net operating income	$1,199,800	3,011
2013-06-30 (YTD Data)		Rank
Total interest income	$4,060,000	2,937
Total interest expense	$230,000	4,792
Net interest income	$3,830,000	2,708
Provision for loan and lease losses	$0	4,788
Total noninterest income	$277,000	4,348
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	$252,000	3,438
Total noninterest expense	$2,900,000	3,075
Salaries and employee benefits	$1,624,000	2,985
Premises and equipment expense	$503,000	2,272
Additional noninterest expense	$773,000	3,586
Pre-tax net operating income	$1,207,000	2,587
Securities gains (losses)	$5,000	2,459
Applicable income taxes	$481,000	1,552
Income before extraordinary items	$731,000	3,232
Extraordinary gains, net	$0	22
Net income	$731,000	3,235
Minority interest net income	$0	82
Net income of bank and minority interests.	$731,000	3,236
Net charge-offs	$243,000	1,899
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$52,000	464
Net operating income	$727,800	3,150
2013-03-31 (YTD Data)		Rank
Total interest income	$2,005,000	2,981
Total interest expense	$113,000	4,905
Net interest income	$1,892,000	2,748
Provision for loan and lease losses	$0	4,409
Total noninterest income	$75,000	5,254
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	$63,000	4,419
Total noninterest expense	$1,404,000	3,168
Salaries and employee benefits	$797,000	3,059
Premises and equipment expense	$242,000	2,371
Additional noninterest expense	$365,000	3,738
Pre-tax net operating income	$563,000	2,659
Securities gains (losses)	$0	1,966
Applicable income taxes	$224,000	1,605
Income before extraordinary items	$339,000	3,336
Extraordinary gains, net	$0	10
Net income	$339,000	3,336
Minority interest net income	$0	76
Net income of bank and minority interests.	$339,000	3,338
Net charge-offs	$258,000	1,177
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$2,000	740
Net operating income	$339,000	3,229
2012-12-31 (YTD Data)		Rank
Total interest income	$7,945,000	3,128
Total interest expense	$520,000	5,042
Net interest income	$7,425,000	2,842
Provision for loan and lease losses	$320,000	3,281
Total noninterest income	$77,000	6,460
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$41,000	6,381
Trading account gains and fees	$0	166
Additional Noninterest Income	$36,000	6,037
Total noninterest expense	$5,259,000	3,338
Salaries and employee benefits	$2,975,000	3,144
Premises and equipment expense	$795,000	2,764
Additional noninterest expense	$1,489,000	3,808
Pre-tax net operating income	$1,923,000	2,889
Securities gains (losses)	$48,000	2,758
Applicable income taxes	$777,000	1,729
Income before extraordinary items	$1,194,000	3,556
Extraordinary gains, net	$0	29
Net income	$1,194,000	3,558
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,194,000	3,559
Net charge-offs	$289,000	3,340
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$202,000	439
Net operating income	$1,163,280	3,462
2012-09-30 (YTD Data)		Rank
Total interest income	$5,891,000	3,213
Total interest expense	$401,000	5,118
Net interest income	$5,490,000	2,918
Provision for loan and lease losses	$320,000	2,881
Total noninterest income	$-68,000	7,013
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$28,000	6,523
Trading account gains and fees	$0	157
Additional Noninterest Income	$-96,000	6,915
Total noninterest expense	$3,851,000	3,422
Salaries and employee benefits	$2,145,000	3,259
Premises and equipment expense	$563,000	2,907
Additional noninterest expense	$1,143,000	3,777
Pre-tax net operating income	$1,251,000	3,227
Securities gains (losses)	$48,000	2,464
Applicable income taxes	$492,000	1,960
Income before extraordinary items	$807,000	3,846
Extraordinary gains, net	$0	20
Net income	$807,000	3,846
Minority interest net income	$0	86
Net income of bank and minority interests.	$807,000	3,847
Net charge-offs	$622,000	1,941
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$163,000	371
Net operating income	$776,280	3,741
2012-06-30 (YTD Data)		Rank
Total interest income	$3,891,000	3,269
Total interest expense	$276,000	5,165
Net interest income	$3,615,000	2,959
Provision for loan and lease losses	$320,000	2,321
Total noninterest income	$-183,000	7,133
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$18,000	6,582
Trading account gains and fees	$0	153
Additional Noninterest Income	$-201,000	7,074
Total noninterest expense	$2,499,000	3,499
Salaries and employee benefits	$1,367,000	3,379
Premises and equipment expense	$370,000	2,944
Additional noninterest expense	$762,000	3,781
Pre-tax net operating income	$613,000	3,766
Securities gains (losses)	$48,000	2,076
Applicable income taxes	$256,000	2,219
Income before extraordinary items	$405,000	4,341
Extraordinary gains, net	$0	19
Net income	$405,000	4,344
Minority interest net income	$0	84
Net income of bank and minority interests.	$405,000	4,343
Net charge-offs	$650,000	1,524
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$110,000	349
Net operating income	$374,280	4,286
2012-03-31 (YTD Data)		Rank
Total interest income	$1,929,000	3,317
Total interest expense	$138,000	5,260
Net interest income	$1,791,000	3,001
Provision for loan and lease losses	$320,000	1,429
Total noninterest income	$43,000	6,011
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$9,000	6,588
Trading account gains and fees	$0	148
Additional Noninterest Income	$34,000	5,214
Total noninterest expense	$1,239,000	3,555
Salaries and employee benefits	$676,000	3,433
Premises and equipment expense	$186,000	2,940
Additional noninterest expense	$377,000	3,784
Pre-tax net operating income	$275,000	3,986
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$275,000	3,800
Extraordinary gains, net	$0	19
Net income	$275,000	3,803
Minority interest net income	$0	78
Net income of bank and minority interests.	$275,000	3,803
Net charge-offs	$677,000	894
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$36,000	375
Net operating income	$275,000	3,635
2011-12-31 (YTD Data)		Rank
Total interest income	$7,058,000	3,653
Total interest expense	$739,000	5,089
Net interest income	$6,319,000	3,332
Provision for loan and lease losses	$810,000	2,725
Total noninterest income	$-146,000	7,100
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$31,000	6,604
Trading account gains and fees	$0	146
Additional Noninterest Income	$-177,000	6,940
Total noninterest expense	$4,479,000	3,819
Salaries and employee benefits	$2,217,000	3,888
Premises and equipment expense	$736,000	3,082
Additional noninterest expense	$1,526,000	3,812
Pre-tax net operating income	$884,000	3,946
Securities gains (losses)	$39,000	2,739
Applicable income taxes	$-2,383,000	7,258
Income before extraordinary items	$3,306,000	1,479
Extraordinary gains, net	$0	29
Net income	$3,306,000	1,479
Minority interest net income	$0	96
Net income of bank and minority interests.	$3,306,000	1,479
Net charge-offs	$1,440,000	1,934
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$122,000	617
Net operating income	$3,267,000	1,425
2011-09-30 (YTD Data)		Rank
Total interest income	$5,156,000	3,762
Total interest expense	$588,000	5,088
Net interest income	$4,568,000	3,436
Provision for loan and lease losses	$0	6,393
Total noninterest income	$-118,000	7,211
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$23,000	6,647
Trading account gains and fees	$0	145
Additional Noninterest Income	$-141,000	7,092
Total noninterest expense	$3,355,000	3,832
Salaries and employee benefits	$1,625,000	3,943
Premises and equipment expense	$552,000	3,113
Additional noninterest expense	$1,178,000	3,735
Pre-tax net operating income	$1,095,000	3,150
Securities gains (losses)	$39,000	2,483
Applicable income taxes	$-1,819,000	7,355
Income before extraordinary items	$2,953,000	1,312
Extraordinary gains, net	$0	21
Net income	$2,953,000	1,312
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,953,000	1,312
Net charge-offs	$726,000	2,247
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$100,000	558
Net operating income	$2,914,000	1,253
2011-06-30 (YTD Data)		Rank
Total interest income	$3,324,000	3,871
Total interest expense	$436,000	4,949
Net interest income	$2,888,000	3,589
Provision for loan and lease losses	$0	6,217
Total noninterest income	$-10,000	7,217
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$16,000	6,666
Trading account gains and fees	$0	153
Additional Noninterest Income	$-26,000	7,085
Total noninterest expense	$2,176,000	3,948
Salaries and employee benefits	$1,073,000	4,012
Premises and equipment expense	$363,000	3,168
Additional noninterest expense	$740,000	3,937
Pre-tax net operating income	$702,000	3,179
Securities gains (losses)	$0	2,914
Applicable income taxes	$0	4,697
Income before extraordinary items	$702,000	2,911
Extraordinary gains, net	$0	15
Net income	$702,000	2,913
Minority interest net income	$0	89
Net income of bank and minority interests.	$702,000	2,913
Net charge-offs	$613,000	1,933
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$67,000	482
Net operating income	$702,000	2,841
2011-03-31 (YTD Data)		Rank
Total interest income	$1,648,000	3,928
Total interest expense	$244,000	4,813
Net interest income	$1,404,000	3,645
Provision for loan and lease losses	$0	5,840
Total noninterest income	$6,000	7,188
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$8,000	6,661
Trading account gains and fees	$0	158
Additional Noninterest Income	$-2,000	7,133
Total noninterest expense	$1,046,000	4,067
Salaries and employee benefits	$518,000	4,130
Premises and equipment expense	$176,000	3,290
Additional noninterest expense	$352,000	4,074
Pre-tax net operating income	$364,000	3,163
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$364,000	2,857
Extraordinary gains, net	$0	9
Net income	$364,000	2,856
Minority interest net income	$0	86
Net income of bank and minority interests.	$364,000	2,857
Net charge-offs	$582,000	1,218
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$33,000	435
Net operating income	$364,000	2,799
2010-12-31 (YTD Data)		Rank
Total interest income	$7,467,000	3,737
Total interest expense	$1,297,000	4,612
Net interest income	$6,170,000	3,398
Provision for loan and lease losses	$648,000	3,730
Total noninterest income	$-194,000	7,423
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$46,000	6,288
Trading account gains and fees	$0	175
Additional Noninterest Income	$-240,000	7,304
Total noninterest expense	$4,328,000	3,993
Salaries and employee benefits	$2,239,000	3,910
Premises and equipment expense	$693,000	3,325
Additional noninterest expense	$1,396,000	4,198
Pre-tax net operating income	$1,000,000	3,382
Securities gains (losses)	$25,000	3,011
Applicable income taxes	$1,000	4,548
Income before extraordinary items	$1,024,000	3,178
Extraordinary gains, net	$0	29
Net income	$1,024,000	3,174
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,024,000	3,178
Net charge-offs	$54,000	5,854
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$92,000	803
Net operating income	$999,000	3,106
2010-09-30 (YTD Data)		Rank
Total interest income	$5,627,000	3,805
Total interest expense	$1,003,000	4,693
Net interest income	$4,624,000	3,454
Provision for loan and lease losses	$281,000	4,403
Total noninterest income	$-211,000	7,570
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$32,000	6,416
Trading account gains and fees	$0	165
Additional Noninterest Income	$-243,000	7,478
Total noninterest expense	$3,223,000	4,026
Salaries and employee benefits	$1,675,000	3,950
Premises and equipment expense	$515,000	3,400
Additional noninterest expense	$1,033,000	4,214
Pre-tax net operating income	$909,000	3,262
Securities gains (losses)	$25,000	2,801
Applicable income taxes	$1,000	4,603
Income before extraordinary items	$933,000	3,020
Extraordinary gains, net	$0	23
Net income	$933,000	3,017
Minority interest net income	$0	110
Net income of bank and minority interests.	$933,000	3,020
Net charge-offs	$-57,000	7,650
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$78,000	720
Net operating income	$908,000	2,932
2010-06-30 (YTD Data)		Rank
Total interest income	$3,671,000	3,891
Total interest expense	$701,000	4,686
Net interest income	$2,970,000	3,541
Provision for loan and lease losses	$227,000	4,047
Total noninterest income	$-154,000	7,672
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	$-174,000	7,589
Total noninterest expense	$2,111,000	4,087
Salaries and employee benefits	$1,115,000	3,971
Premises and equipment expense	$332,000	3,535
Additional noninterest expense	$664,000	4,317
Pre-tax net operating income	$478,000	3,704
Securities gains (losses)	$25,000	2,268
Applicable income taxes	$1,000	4,552
Income before extraordinary items	$502,000	3,406
Extraordinary gains, net	$0	19
Net income	$502,000	3,403
Minority interest net income	$0	105
Net income of bank and minority interests.	$502,000	3,405
Net charge-offs	$-115,000	7,757
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$58,000	615
Net operating income	$477,000	3,382
2010-03-31 (YTD Data)		Rank
Total interest income	$1,779,000	4,034
Total interest expense	$380,000	4,610
Net interest income	$1,399,000	3,744
Provision for loan and lease losses	$54,000	4,790
Total noninterest income	$-53,000	7,758
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	$-63,000	7,690
Total noninterest expense	$1,061,000	4,109
Salaries and employee benefits	$571,000	3,960
Premises and equipment expense	$165,000	3,632
Additional noninterest expense	$325,000	4,373
Pre-tax net operating income	$231,000	3,821
Securities gains (losses)	$0	2,284
Applicable income taxes	$1,000	4,457
Income before extraordinary items	$230,000	3,642
Extraordinary gains, net	$0	16
Net income	$230,000	3,639
Minority interest net income	$0	91
Net income of bank and minority interests.	$230,000	3,641
Net charge-offs	$-187,000	7,892
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$35,000	505
Net operating income	$230,000	3,512
2009-12-31 (YTD Data)		Rank
Total interest income	$7,287,000	4,069
Total interest expense	$2,257,000	4,141
Net interest income	$5,030,000	3,938
Provision for loan and lease losses	$2,706,000	2,095
Total noninterest income	$-347,000	7,859
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$20,000	6,892
Trading account gains and fees	$0	211
Additional Noninterest Income	$-367,000	7,761
Total noninterest expense	$3,898,000	4,415
Salaries and employee benefits	$1,956,000	4,432
Premises and equipment expense	$695,000	3,479
Additional noninterest expense	$1,247,000	4,636
Pre-tax net operating income	$-1,921,000	6,614
Securities gains (losses)	$20,000	3,038
Applicable income taxes	$1,000	4,275
Income before extraordinary items	$-1,902,000	6,716
Extraordinary gains, net	$0	34
Net income	$-1,902,000	6,714
Minority interest net income	$0	115
Net income of bank and minority interests.	$-1,902,000	6,714
Net charge-offs	$1,188,000	2,662
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$47,000	1,076
Net operating income	$-1,922,000	6,722
2009-09-30 (YTD Data)		Rank
Total interest income	$5,459,000	4,133
Total interest expense	$1,815,000	4,104
Net interest income	$3,644,000	4,027
Provision for loan and lease losses	$2,571,000	1,631
Total noninterest income	$-294,000	7,978
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$11,000	7,011
Trading account gains and fees	$0	212
Additional Noninterest Income	$-305,000	7,915
Total noninterest expense	$3,028,000	4,324
Salaries and employee benefits	$1,552,000	4,277
Premises and equipment expense	$526,000	3,489
Additional noninterest expense	$950,000	4,555
Pre-tax net operating income	$-2,249,000	7,116
Securities gains (losses)	$20,000	2,745
Applicable income taxes	$1,000	4,465
Income before extraordinary items	$-2,230,000	7,237
Extraordinary gains, net	$0	27
Net income	$-2,230,000	7,235
Minority interest net income	$0	118
Net income of bank and minority interests.	$-2,230,000	7,236
Net charge-offs	$936,000	2,275
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$33,000	1,004
Net operating income	$-2,250,000	7,227
2009-06-30 (YTD Data)		Rank
Total interest income	$3,586,000	4,197
Total interest expense	$1,307,000	4,013
Net interest income	$2,279,000	4,180
Provision for loan and lease losses	$373,000	3,389
Total noninterest income	$9,000	7,827
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$7,000	7,083
Trading account gains and fees	$0	193
Additional Noninterest Income	$2,000	7,623
Total noninterest expense	$2,012,000	4,375
Salaries and employee benefits	$1,076,000	4,210
Premises and equipment expense	$346,000	3,553
Additional noninterest expense	$590,000	4,770
Pre-tax net operating income	$-97,000	6,088
Securities gains (losses)	$0	3,136
Applicable income taxes	$1,000	4,523
Income before extraordinary items	$-98,000	6,185
Extraordinary gains, net	$0	21
Net income	$-98,000	6,184
Minority interest net income	$0	112
Net income of bank and minority interests.	$-98,000	6,184
Net charge-offs	$0	6,628
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$99,000	608
Net operating income	$-98,000	6,150
2009-03-31 (YTD Data)		Rank
Total interest income	$1,715,000	4,358
Total interest expense	$701,000	3,941
Net interest income	$1,014,000	4,539
Provision for loan and lease losses	$46,000	4,978
Total noninterest income	$4,000	7,935
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$3,000	7,123
Trading account gains and fees	$0	171
Additional Noninterest Income	$1,000	7,715
Total noninterest expense	$966,000	4,412
Salaries and employee benefits	$552,000	4,149
Premises and equipment expense	$172,000	3,614
Additional noninterest expense	$242,000	5,036
Pre-tax net operating income	$6,000	6,164
Securities gains (losses)	$0	2,434
Applicable income taxes	$1,000	4,679
Income before extraordinary items	$5,000	6,343
Extraordinary gains, net	$0	15
Net income	$5,000	6,345
Minority interest net income	$0	102
Net income of bank and minority interests.	$5,000	6,345
Net charge-offs	$0	5,728
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$50,000	500
Net operating income	$5,000	6,198
2008-12-31 (YTD Data)		Rank
Total interest income	$5,810,000	5,025
Total interest expense	$2,130,000	5,157
Net interest income	$3,680,000	4,833
Provision for loan and lease losses	$344,000	4,399
Total noninterest income	$31,000	7,867
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$17,000	7,079
Trading account gains and fees	$0	154
Additional Noninterest Income	$14,000	7,582
Total noninterest expense	$3,580,000	4,554
Salaries and employee benefits	$1,913,000	4,612
Premises and equipment expense	$706,000	3,486
Additional noninterest expense	$961,000	4,942
Pre-tax net operating income	$-213,000	6,566
Securities gains (losses)	$0	3,220
Applicable income taxes	$1,000	4,863
Income before extraordinary items	$-214,000	6,495
Extraordinary gains, net	$0	39
Net income	$-214,000	6,495
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,039
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$137,000	883
Net operating income	$-214,000	6,643
2008-09-30 (YTD Data)		Rank
Total interest income	$4,203,000	5,212
Total interest expense	$1,537,000	5,367
Net interest income	$2,666,000	4,960
Provision for loan and lease losses	$334,000	3,368
Total noninterest income	$29,000	7,946
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$12,000	7,142
Trading account gains and fees	$0	148
Additional Noninterest Income	$17,000	7,516
Total noninterest expense	$2,646,000	4,597
Salaries and employee benefits	$1,396,000	4,706
Premises and equipment expense	$530,000	3,507
Additional noninterest expense	$720,000	4,870
Pre-tax net operating income	$-285,000	7,105
Securities gains (losses)	$0	3,106
Applicable income taxes	$1,000	5,240
Income before extraordinary items	$-286,000	7,004
Extraordinary gains, net	$0	31
Net income	$-286,000	7,001
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,534
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$83,000	833
Net operating income	$-286,000	7,159
2008-06-30 (YTD Data)		Rank
Total interest income	$2,678,000	5,405
Total interest expense	$1,006,000	5,561
Net interest income	$1,672,000	5,156
Provision for loan and lease losses	$208,000	3,094
Total noninterest income	$11,000	8,140
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$7,000	7,210
Trading account gains and fees	$0	149
Additional Noninterest Income	$4,000	7,989
Total noninterest expense	$1,801,000	4,568
Salaries and employee benefits	$975,000	4,609
Premises and equipment expense	$353,000	3,527
Additional noninterest expense	$473,000	4,913
Pre-tax net operating income	$-326,000	7,459
Securities gains (losses)	$0	3,233
Applicable income taxes	$1,000	5,487
Income before extraordinary items	$-327,000	7,547
Extraordinary gains, net	$0	21
Net income	$-327,000	7,547
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,998
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$43,000	807
Net operating income	$-327,000	7,528
2008-03-31 (YTD Data)		Rank
Total interest income	$1,257,000	5,693
Total interest expense	$518,000	5,668
Net interest income	$739,000	5,528
Provision for loan and lease losses	$64,000	3,423
Total noninterest income	$18,000	7,776
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$4,000	7,199
Trading account gains and fees	$0	158
Additional Noninterest Income	$14,000	6,895
Total noninterest expense	$999,000	4,232
Salaries and employee benefits	$597,000	3,989
Premises and equipment expense	$180,000	3,498
Additional noninterest expense	$222,000	5,052
Pre-tax net operating income	$-306,000	7,918
Securities gains (losses)	$0	2,688
Applicable income taxes	$1,000	5,476
Income before extraordinary items	$-307,000	7,989
Extraordinary gains, net	$0	15
Net income	$-307,000	7,988
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$1,000	981
Net operating income	$-307,000	7,962
2007-12-31 (YTD Data)		Rank
Total interest income	$3,594,000	6,463
Total interest expense	$1,427,000	6,526
Net interest income	$2,167,000	6,329
Provision for loan and lease losses	$580,000	2,107
Total noninterest income	$49,000	8,038
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$11,000	7,290
Trading account gains and fees	$0	178
Additional Noninterest Income	$38,000	7,341
Total noninterest expense	$3,393,000	4,629
Salaries and employee benefits	$1,786,000	4,768
Premises and equipment expense	$724,000	3,349
Additional noninterest expense	$883,000	5,016
Pre-tax net operating income	$-1,757,000	8,241
Securities gains (losses)	$0	2,146
Applicable income taxes	$2,000	5,906
Income before extraordinary items	$-1,759,000	8,287
Extraordinary gains, net	$0	39
Net income	$-1,759,000	8,284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,600
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$270,000	669
Net operating income	$-1,759,000	8,275
2007-09-30 (YTD Data)		Rank
Total interest income	$2,409,000	6,741
Total interest expense	$911,000	6,875
Net interest income	$1,498,000	6,536
Provision for loan and lease losses	$478,000	1,634
Total noninterest income	$34,000	8,113
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$6,000	7,365
Trading account gains and fees	$0	184
Additional Noninterest Income	$28,000	7,397
Total noninterest expense	$2,489,000	4,677
Salaries and employee benefits	$1,307,000	4,828
Premises and equipment expense	$546,000	3,316
Additional noninterest expense	$636,000	5,104
Pre-tax net operating income	$-1,435,000	8,382
Securities gains (losses)	$0	1,655
Applicable income taxes	$2,000	6,041
Income before extraordinary items	$-1,437,000	8,411
Extraordinary gains, net	$0	33
Net income	$-1,437,000	8,407
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$202,000	585
Net operating income	$-1,437,000	8,400
2007-06-30 (YTD Data)		Rank
Total interest income	$1,399,000	7,063
Total interest expense	$480,000	7,288
Net interest income	$919,000	6,778
Provision for loan and lease losses	$344,000	1,390
Total noninterest income	$23,000	8,167
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$3,000	7,446
Trading account gains and fees	$0	168
Additional Noninterest Income	$20,000	7,375
Total noninterest expense	$1,484,000	5,045
Salaries and employee benefits	$735,000	5,391
Premises and equipment expense	$354,000	3,407
Additional noninterest expense	$395,000	5,337
Pre-tax net operating income	$-886,000	8,432
Securities gains (losses)	$0	1,444
Applicable income taxes	$2,000	6,068
Income before extraordinary items	$-888,000	8,461
Extraordinary gains, net	$0	29
Net income	$-888,000	8,458
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$134,000	537
Net operating income	$-888,000	8,452
2007-03-31 (YTD Data)		Rank
Total interest income	$683,000	7,131
Total interest expense	$249,000	7,261
Net interest income	$434,000	6,934
Provision for loan and lease losses	$160,000	1,363
Total noninterest income	$11,000	8,220
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$1,000	7,501
Trading account gains and fees	$0	195
Additional Noninterest Income	$10,000	7,401
Total noninterest expense	$714,000	5,180
Salaries and employee benefits	$372,000	5,395
Premises and equipment expense	$178,000	3,422
Additional noninterest expense	$164,000	5,864
Pre-tax net operating income	$-429,000	8,489
Securities gains (losses)	$0	1,187
Applicable income taxes	$2,000	5,948
Income before extraordinary items	$-431,000	8,512
Extraordinary gains, net	$0	22
Net income	$-431,000	8,510
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	$67,000	426
Net operating income	$-431,000	8,506
2006-12-31 (YTD Data)		Rank
Total interest income	$789,000	8,407
Total interest expense	$195,000	8,421
Net interest income	$594,000	8,332
Provision for loan and lease losses	$136,000	4,204
Total noninterest income	$12,000	8,471
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$0	7,634
Trading account gains and fees	$0	130
Additional Noninterest Income	$12,000	8,212
Total noninterest expense	$5,212,000	3,240
Salaries and employee benefits	$1,777,000	4,656
Premises and equipment expense	$887,000	2,745
Additional noninterest expense	$2,548,000	2,068
Pre-tax net operating income	$-4,742,000	8,661
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$-4,742,000	8,664
Extraordinary gains, net	$0	51
Net income	$-4,742,000	8,664
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	$25,736,000	50
Net operating income	$-4,742,000	8,658
2006-09-30 (YTD Data)		Rank
Total interest income	$291,000	8,641
Total interest expense	$40,000	8,635
Net interest income	$251,000	8,610
Provision for loan and lease losses	$27,000	5,738
Total noninterest income	$0	8,684
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$0	7,682
Trading account gains and fees	$0	126
Additional Noninterest Income	$0	8,609
Total noninterest expense	$4,068,000	3,124
Salaries and employee benefits	$1,390,000	4,499
Premises and equipment expense	$648,000	2,822
Additional noninterest expense	$2,030,000	1,926
Pre-tax net operating income	$-3,844,000	8,729
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$-3,844,000	8,728
Extraordinary gains, net	$0	45
Net income	$-3,844,000	8,728
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	$25,688,000	36
Net operating income	$-3,844,000	8,719

* 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.