Home > Arkansas County Bank > Income and Expense

Arkansas County Bank, Income and Expense

2021-03-31 (YTD Data)		Rank
Total interest income	$1,609,000	3,196
Total interest expense	$175,000	2,949
Net interest income	$1,434,000	3,183
Provision for loan and lease losses	$0	2,741
Total noninterest income	$49,000	4,362
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$29,000	3,251
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	4,477
Total noninterest expense	$1,075,000	3,261
Salaries and employee benefits	$577,000	3,329
Premises and equipment expense	$113,000	3,215
Additional noninterest expense	$385,000	3,011
Pre-tax net operating income	$408,000	3,474
Securities gains (losses)	$-4,000	4,602
Applicable income taxes	$0	3,613
Income before extraordinary items	$404,000	3,368
Extraordinary gains, net	$0	3
Net income	$404,000	3,369
Minority interest net income	$0	55
Net income of bank and minority interests.	$404,000	3,368
Net charge-offs	$-33,000	4,492
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$408,000	3,328
2020-12-31 (YTD Data)		Rank
Total interest income	$7,421,000	2,995
Total interest expense	$860,000	3,149
Net interest income	$6,561,000	2,916
Provision for loan and lease losses	$0	4,319
Total noninterest income	$271,000	4,114
Gross Fiduciary activities income	$33,000	815
Service charges on deposit accounts	$126,000	3,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$112,000	4,320
Total noninterest expense	$4,371,000	3,236
Salaries and employee benefits	$2,667,000	3,117
Premises and equipment expense	$519,000	2,991
Additional noninterest expense	$1,185,000	3,444
Pre-tax net operating income	$2,461,000	2,692
Securities gains (losses)	$67,000	1,583
Applicable income taxes	$0	3,697
Income before extraordinary items	$2,528,000	2,540
Extraordinary gains, net	$0	4
Net income	$2,528,000	2,540
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,528,000	2,540
Net charge-offs	$103,000	1,985
Cash dividends	$2,600,000	1,247
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$2,461,000	2,525
2020-09-30 (YTD Data)		Rank
Total interest income	$5,702,000	2,986
Total interest expense	$675,000	3,177
Net interest income	$5,027,000	2,886
Provision for loan and lease losses	$0	4,239
Total noninterest income	$200,000	4,127
Gross Fiduciary activities income	$29,000	782
Service charges on deposit accounts	$99,000	3,273
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	4,380
Total noninterest expense	$3,334,000	3,199
Salaries and employee benefits	$2,021,000	3,081
Premises and equipment expense	$401,000	2,948
Additional noninterest expense	$912,000	3,366
Pre-tax net operating income	$1,893,000	2,657
Securities gains (losses)	$65,000	1,421
Applicable income taxes	$0	3,696
Income before extraordinary items	$1,958,000	2,482
Extraordinary gains, net	$0	4
Net income	$1,958,000	2,482
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,958,000	2,482
Net charge-offs	$94,000	1,710
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,893,000	2,467
2020-06-30 (YTD Data)		Rank
Total interest income	$3,725,000	3,052
Total interest expense	$456,000	3,260
Net interest income	$3,269,000	2,948
Provision for loan and lease losses	$0	4,134
Total noninterest income	$148,000	4,045
Gross Fiduciary activities income	$29,000	760
Service charges on deposit accounts	$67,000	3,284
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	4,348
Total noninterest expense	$2,214,000	3,202
Salaries and employee benefits	$1,351,000	3,091
Premises and equipment expense	$252,000	3,043
Additional noninterest expense	$611,000	3,377
Pre-tax net operating income	$1,203,000	2,691
Securities gains (losses)	$79,000	1,087
Applicable income taxes	$0	3,655
Income before extraordinary items	$1,282,000	2,454
Extraordinary gains, net	$0	4
Net income	$1,282,000	2,452
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,282,000	2,454
Net charge-offs	$24,000	2,109
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,203,000	2,511
2020-03-31 (YTD Data)		Rank
Total interest income	$1,836,000	3,072
Total interest expense	$242,000	3,313
Net interest income	$1,594,000	2,976
Provision for loan and lease losses	$0	3,711
Total noninterest income	$98,000	3,817
Gross Fiduciary activities income	$22,000	738
Service charges on deposit accounts	$43,000	3,227
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	4,156
Total noninterest expense	$1,194,000	3,108
Salaries and employee benefits	$751,000	2,953
Premises and equipment expense	$124,000	3,091
Additional noninterest expense	$319,000	3,340
Pre-tax net operating income	$498,000	2,787
Securities gains (losses)	$92,000	641
Applicable income taxes	$0	3,513
Income before extraordinary items	$590,000	2,425
Extraordinary gains, net	$0	4
Net income	$590,000	2,424
Minority interest net income	$0	56
Net income of bank and minority interests.	$590,000	2,425
Net charge-offs	$23,000	1,537
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$498,000	2,617
2019-12-31 (YTD Data)		Rank
Total interest income	$7,813,000	2,996
Total interest expense	$1,113,000	3,155
Net interest income	$6,700,000	2,918
Provision for loan and lease losses	$25,000	3,652
Total noninterest income	$315,000	4,108
Gross Fiduciary activities income	$35,000	825
Service charges on deposit accounts	$168,000	3,372
Trading account gains and fees	NA	NA
Additional Noninterest Income	$112,000	4,359
Total noninterest expense	$4,258,000	3,309
Salaries and employee benefits	$2,532,000	3,213
Premises and equipment expense	$483,000	3,157
Additional noninterest expense	$1,243,000	3,428
Pre-tax net operating income	$2,732,000	2,603
Securities gains (losses)	$-13,000	4,836
Applicable income taxes	$0	3,859
Income before extraordinary items	$2,719,000	2,442
Extraordinary gains, net	$0	11
Net income	$2,719,000	2,443
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,719,000	2,444
Net charge-offs	$135,000	2,004
Cash dividends	$2,600,000	1,330
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,732,000	2,394
2019-09-30 (YTD Data)		Rank
Total interest income	$5,828,000	3,040
Total interest expense	$777,000	3,284
Net interest income	$5,051,000	2,948
Provision for loan and lease losses	$25,000	3,438
Total noninterest income	$233,000	4,172
Gross Fiduciary activities income	$31,000	801
Service charges on deposit accounts	$123,000	3,437
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	4,445
Total noninterest expense	$3,291,000	3,270
Salaries and employee benefits	$2,001,000	3,146
Premises and equipment expense	$365,000	3,171
Additional noninterest expense	$925,000	3,469
Pre-tax net operating income	$1,968,000	2,750
Securities gains (losses)	$-13,000	4,933
Applicable income taxes	$0	3,902
Income before extraordinary items	$1,955,000	2,569
Extraordinary gains, net	$0	11
Net income	$1,955,000	2,570
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,955,000	2,570
Net charge-offs	$109,000	1,711
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,968,000	2,525
2019-06-30 (YTD Data)		Rank
Total interest income	$3,696,000	3,132
Total interest expense	$433,000	3,520
Net interest income	$3,263,000	3,006
Provision for loan and lease losses	$25,000	3,190
Total noninterest income	$168,000	4,112
Gross Fiduciary activities income	$31,000	772
Service charges on deposit accounts	$82,000	3,433
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	4,438
Total noninterest expense	$2,183,000	3,299
Salaries and employee benefits	$1,331,000	3,169
Premises and equipment expense	$232,000	3,264
Additional noninterest expense	$620,000	3,481
Pre-tax net operating income	$1,223,000	2,839
Securities gains (losses)	$-2,000	4,715
Applicable income taxes	$0	3,901
Income before extraordinary items	$1,221,000	2,650
Extraordinary gains, net	$0	11
Net income	$1,221,000	2,649
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,221,000	2,649
Net charge-offs	$117,000	1,318
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,223,000	2,609
2019-03-31 (YTD Data)		Rank
Total interest income	$1,794,000	3,200
Total interest expense	$199,000	3,614
Net interest income	$1,595,000	3,068
Provision for loan and lease losses	$25,000	2,614
Total noninterest income	$64,000	4,367
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$38,000	3,528
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	4,483
Total noninterest expense	$1,157,000	3,214
Salaries and employee benefits	$732,000	3,025
Premises and equipment expense	$119,000	3,243
Additional noninterest expense	$306,000	3,508
Pre-tax net operating income	$477,000	3,131
Securities gains (losses)	$0	1,087
Applicable income taxes	$0	3,800
Income before extraordinary items	$477,000	2,954
Extraordinary gains, net	$0	5
Net income	$477,000	2,952
Minority interest net income	$0	52
Net income of bank and minority interests.	$477,000	2,953
Net charge-offs	$57,000	1,144
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$477,000	2,944
2018-12-31 (YTD Data)		Rank
Total interest income	$7,267,000	3,100
Total interest expense	$867,000	3,139
Net interest income	$6,400,000	3,053
Provision for loan and lease losses	$300,000	1,959
Total noninterest income	$347,000	4,183
Gross Fiduciary activities income	$35,000	868
Service charges on deposit accounts	$193,000	3,357
Trading account gains and fees	$0	126
Additional Noninterest Income	$119,000	4,476
Total noninterest expense	$4,251,000	3,367
Salaries and employee benefits	$2,573,000	3,229
Premises and equipment expense	$439,000	3,376
Additional noninterest expense	$1,239,000	3,527
Pre-tax net operating income	$2,196,000	2,988
Securities gains (losses)	$-24,000	4,648
Applicable income taxes	$0	3,978
Income before extraordinary items	$2,172,000	2,808
Extraordinary gains, net	$0	6
Net income	$2,172,000	2,807
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,172,000	2,807
Net charge-offs	$221,000	1,567
Cash dividends	$1,750,000	1,576
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,196,000	2,788
2018-09-30 (YTD Data)		Rank
Total interest income	$5,361,000	3,143
Total interest expense	$603,000	3,190
Net interest income	$4,758,000	3,087
Provision for loan and lease losses	$225,000	1,851
Total noninterest income	$263,000	4,203
Gross Fiduciary activities income	$31,000	827
Service charges on deposit accounts	$141,000	3,407
Trading account gains and fees	$0	138
Additional Noninterest Income	$91,000	4,513
Total noninterest expense	$3,302,000	3,306
Salaries and employee benefits	$1,999,000	3,169
Premises and equipment expense	$367,000	3,233
Additional noninterest expense	$936,000	3,535
Pre-tax net operating income	$1,494,000	3,204
Securities gains (losses)	$-24,000	4,966
Applicable income taxes	$0	4,032
Income before extraordinary items	$1,470,000	3,022
Extraordinary gains, net	$0	5
Net income	$1,470,000	3,020
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,470,000	3,021
Net charge-offs	$211,000	1,210
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,494,000	2,988
2018-06-30 (YTD Data)		Rank
Total interest income	$3,401,000	3,207
Total interest expense	$341,000	3,359
Net interest income	$3,060,000	3,156
Provision for loan and lease losses	$150,000	1,766
Total noninterest income	$187,000	4,176
Gross Fiduciary activities income	$31,000	801
Service charges on deposit accounts	$92,000	3,447
Trading account gains and fees	$0	130
Additional Noninterest Income	$64,000	4,517
Total noninterest expense	$2,163,000	3,357
Salaries and employee benefits	$1,307,000	3,235
Premises and equipment expense	$244,000	3,260
Additional noninterest expense	$612,000	3,573
Pre-tax net operating income	$934,000	3,266
Securities gains (losses)	$-24,000	5,137
Applicable income taxes	$0	4,018
Income before extraordinary items	$910,000	3,095
Extraordinary gains, net	$0	6
Net income	$910,000	3,093
Minority interest net income	$0	65
Net income of bank and minority interests.	$910,000	3,094
Net charge-offs	$191,000	962
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$934,000	3,053
2018-03-31 (YTD Data)		Rank
Total interest income	$1,632,000	3,293
Total interest expense	$166,000	3,367
Net interest income	$1,466,000	3,247
Provision for loan and lease losses	$75,000	1,680
Total noninterest income	$79,000	4,358
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$48,000	3,397
Trading account gains and fees	$0	123
Additional Noninterest Income	$31,000	4,560
Total noninterest expense	$1,138,000	3,302
Salaries and employee benefits	$699,000	3,125
Premises and equipment expense	$127,000	3,206
Additional noninterest expense	$312,000	3,574
Pre-tax net operating income	$332,000	3,709
Securities gains (losses)	$-15,000	5,273
Applicable income taxes	$0	3,948
Income before extraordinary items	$317,000	3,591
Extraordinary gains, net	$0	7
Net income	$317,000	3,590
Minority interest net income	$0	52
Net income of bank and minority interests.	$317,000	3,591
Net charge-offs	$167,000	635
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$332,000	3,533
2017-12-31 (YTD Data)		Rank
Total interest income	$6,834,000	3,169
Total interest expense	$735,000	3,065
Net interest income	$6,099,000	3,149
Provision for loan and lease losses	$300,000	1,956
Total noninterest income	$363,000	4,293
Gross Fiduciary activities income	$44,000	857
Service charges on deposit accounts	$204,000	3,427
Trading account gains and fees	$0	151
Additional Noninterest Income	$115,000	4,690
Total noninterest expense	$4,366,000	3,383
Salaries and employee benefits	$2,664,000	3,215
Premises and equipment expense	$496,000	3,281
Additional noninterest expense	$1,206,000	3,658
Pre-tax net operating income	$1,796,000	3,272
Securities gains (losses)	$-7,000	5,011
Applicable income taxes	$0	4,135
Income before extraordinary items	$1,789,000	2,873
Extraordinary gains, net	$0	9
Net income	$1,789,000	2,872
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,789,000	2,873
Net charge-offs	$65,000	2,785
Cash dividends	$1,500,000	1,709
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,796,000	2,845
2017-09-30 (YTD Data)		Rank
Total interest income	$5,088,000	3,207
Total interest expense	$540,000	3,087
Net interest income	$4,548,000	3,180
Provision for loan and lease losses	$225,000	1,898
Total noninterest income	$259,000	4,393
Gross Fiduciary activities income	$41,000	836
Service charges on deposit accounts	$150,000	3,478
Trading account gains and fees	$0	145
Additional Noninterest Income	$68,000	4,893
Total noninterest expense	$3,372,000	3,338
Salaries and employee benefits	$2,083,000	3,152
Premises and equipment expense	$393,000	3,210
Additional noninterest expense	$896,000	3,692
Pre-tax net operating income	$1,210,000	3,479
Securities gains (losses)	$-5,000	5,317
Applicable income taxes	$0	4,172
Income before extraordinary items	$1,205,000	3,198
Extraordinary gains, net	$0	9
Net income	$1,205,000	3,197
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,205,000	3,198
Net charge-offs	$63,000	2,280
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,210,000	3,169
2017-06-30 (YTD Data)		Rank
Total interest income	$3,273,000	3,264
Total interest expense	$343,000	3,134
Net interest income	$2,930,000	3,236
Provision for loan and lease losses	$150,000	1,808
Total noninterest income	$188,000	4,326
Gross Fiduciary activities income	$40,000	812
Service charges on deposit accounts	$101,000	3,466
Trading account gains and fees	$0	139
Additional Noninterest Income	$47,000	4,907
Total noninterest expense	$2,240,000	3,355
Salaries and employee benefits	$1,378,000	3,184
Premises and equipment expense	$266,000	3,173
Additional noninterest expense	$596,000	3,709
Pre-tax net operating income	$728,000	3,598
Securities gains (losses)	$-5,000	5,412
Applicable income taxes	$0	4,189
Income before extraordinary items	$723,000	3,348
Extraordinary gains, net	$0	11
Net income	$723,000	3,347
Minority interest net income	$0	71
Net income of bank and minority interests.	$723,000	3,348
Net charge-offs	$18,000	2,639
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$728,000	3,314
2017-03-31 (YTD Data)		Rank
Total interest income	$1,580,000	3,329
Total interest expense	$173,000	3,112
Net interest income	$1,407,000	3,330
Provision for loan and lease losses	$75,000	1,685
Total noninterest income	$70,000	4,683
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$51,000	3,476
Trading account gains and fees	$0	142
Additional Noninterest Income	$19,000	5,059
Total noninterest expense	$1,195,000	3,240
Salaries and employee benefits	$748,000	3,065
Premises and equipment expense	$137,000	3,164
Additional noninterest expense	$310,000	3,639
Pre-tax net operating income	$207,000	4,306
Securities gains (losses)	$-5,000	5,586
Applicable income taxes	$0	4,086
Income before extraordinary items	$202,000	4,118
Extraordinary gains, net	$0	8
Net income	$202,000	4,118
Minority interest net income	$0	55
Net income of bank and minority interests.	$202,000	4,118
Net charge-offs	$3,000	2,592
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$207,000	4,068
2016-12-31 (YTD Data)		Rank
Total interest income	$7,282,000	3,051
Total interest expense	$730,000	2,965
Net interest income	$6,552,000	3,021
Provision for loan and lease losses	$300,000	1,988
Total noninterest income	$347,000	4,516
Gross Fiduciary activities income	$42,000	887
Service charges on deposit accounts	$221,000	3,452
Trading account gains and fees	$0	170
Additional Noninterest Income	$84,000	5,070
Total noninterest expense	$4,416,000	3,454
Salaries and employee benefits	$2,696,000	3,256
Premises and equipment expense	$484,000	3,438
Additional noninterest expense	$1,236,000	3,752
Pre-tax net operating income	$2,183,000	2,912
Securities gains (losses)	$3,000	2,978
Applicable income taxes	$0	4,278
Income before extraordinary items	$2,186,000	2,633
Extraordinary gains, net	$0	5
Net income	$2,186,000	2,631
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,186,000	2,632
Net charge-offs	$333,000	1,433
Cash dividends	$2,000,000	1,397
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,183,000	2,580
2016-09-30 (YTD Data)		Rank
Total interest income	$5,527,000	3,027
Total interest expense	$550,000	2,958
Net interest income	$4,977,000	3,005
Provision for loan and lease losses	$225,000	1,908
Total noninterest income	$276,000	4,494
Gross Fiduciary activities income	$37,000	864
Service charges on deposit accounts	$168,000	3,450
Trading account gains and fees	$0	169
Additional Noninterest Income	$71,000	5,051
Total noninterest expense	$3,436,000	3,378
Salaries and employee benefits	$2,085,000	3,182
Premises and equipment expense	$375,000	3,398
Additional noninterest expense	$976,000	3,669
Pre-tax net operating income	$1,592,000	3,010
Securities gains (losses)	$14,000	2,461
Applicable income taxes	$0	4,325
Income before extraordinary items	$1,606,000	2,707
Extraordinary gains, net	$0	5
Net income	$1,606,000	2,707
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,606,000	2,707
Net charge-offs	$335,000	1,056
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,592,000	2,666
2016-06-30 (YTD Data)		Rank
Total interest income	$3,550,000	3,117
Total interest expense	$359,000	3,006
Net interest income	$3,191,000	3,098
Provision for loan and lease losses	$150,000	1,887
Total noninterest income	$194,000	4,452
Gross Fiduciary activities income	$37,000	843
Service charges on deposit accounts	$110,000	3,478
Trading account gains and fees	$0	157
Additional Noninterest Income	$47,000	5,095
Total noninterest expense	$2,236,000	3,441
Salaries and employee benefits	$1,363,000	3,246
Premises and equipment expense	$240,000	3,495
Additional noninterest expense	$633,000	3,737
Pre-tax net operating income	$999,000	3,072
Securities gains (losses)	$13,000	2,156
Applicable income taxes	$0	4,338
Income before extraordinary items	$1,012,000	2,778
Extraordinary gains, net	$0	16
Net income	$1,012,000	2,776
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,012,000	2,777
Net charge-offs	$300,000	867
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$999,000	2,729
2016-03-31 (YTD Data)		Rank
Total interest income	$1,733,000	3,172
Total interest expense	$181,000	3,015
Net interest income	$1,552,000	3,153
Provision for loan and lease losses	$75,000	1,741
Total noninterest income	$77,000	4,694
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$55,000	3,472
Trading account gains and fees	$0	142
Additional Noninterest Income	$22,000	5,163
Total noninterest expense	$1,189,000	3,320
Salaries and employee benefits	$751,000	3,064
Premises and equipment expense	$116,000	3,577
Additional noninterest expense	$322,000	3,718
Pre-tax net operating income	$365,000	3,557
Securities gains (losses)	$12,000	1,443
Applicable income taxes	$0	4,259
Income before extraordinary items	$377,000	3,238
Extraordinary gains, net	$0	12
Net income	$377,000	3,236
Minority interest net income	$0	62
Net income of bank and minority interests.	$377,000	3,237
Net charge-offs	$-1,000	4,102
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$365,000	3,226
2015-12-31 (YTD Data)		Rank
Total interest income	$7,298,000	3,017
Total interest expense	$750,000	2,936
Net interest income	$6,548,000	3,017
Provision for loan and lease losses	$600,000	1,174
Total noninterest income	$291,000	4,837
Gross Fiduciary activities income	$30,000	947
Service charges on deposit accounts	$236,000	3,445
Trading account gains and fees	$0	159
Additional Noninterest Income	$25,000	5,764
Total noninterest expense	$4,356,000	3,522
Salaries and employee benefits	$2,680,000	3,256
Premises and equipment expense	$468,000	3,605
Additional noninterest expense	$1,208,000	3,906
Pre-tax net operating income	$1,883,000	3,116
Securities gains (losses)	$-1,000	5,649
Applicable income taxes	$0	4,402
Income before extraordinary items	$1,882,000	2,841
Extraordinary gains, net	$0	23
Net income	$1,882,000	2,843
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,882,000	2,844
Net charge-offs	$134,000	2,377
Cash dividends	$1,750,000	1,465
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,883,000	2,795
2015-09-30 (YTD Data)		Rank
Total interest income	$5,481,000	3,043
Total interest expense	$562,000	2,974
Net interest income	$4,919,000	3,032
Provision for loan and lease losses	$225,000	1,803
Total noninterest income	$282,000	4,592
Gross Fiduciary activities income	$27,000	924
Service charges on deposit accounts	$177,000	3,463
Trading account gains and fees	$0	153
Additional Noninterest Income	$78,000	5,098
Total noninterest expense	$3,257,000	3,545
Salaries and employee benefits	$1,985,000	3,297
Premises and equipment expense	$362,000	3,603
Additional noninterest expense	$910,000	3,906
Pre-tax net operating income	$1,719,000	2,843
Securities gains (losses)	$6,000	2,557
Applicable income taxes	$0	4,489
Income before extraordinary items	$1,725,000	2,529
Extraordinary gains, net	$0	21
Net income	$1,725,000	2,530
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,725,000	2,530
Net charge-offs	$114,000	2,036
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,719,000	2,483
2015-06-30 (YTD Data)		Rank
Total interest income	$3,484,000	3,146
Total interest expense	$370,000	3,015
Net interest income	$3,114,000	3,134
Provision for loan and lease losses	$150,000	1,756
Total noninterest income	$204,000	4,518
Gross Fiduciary activities income	$26,000	901
Service charges on deposit accounts	$115,000	3,493
Trading account gains and fees	$0	157
Additional Noninterest Income	$63,000	4,986
Total noninterest expense	$2,233,000	3,526
Salaries and employee benefits	$1,386,000	3,231
Premises and equipment expense	$237,000	3,661
Additional noninterest expense	$610,000	3,922
Pre-tax net operating income	$935,000	3,190
Securities gains (losses)	$6,000	2,180
Applicable income taxes	$0	4,497
Income before extraordinary items	$941,000	2,859
Extraordinary gains, net	$0	22
Net income	$941,000	2,859
Minority interest net income	$0	75
Net income of bank and minority interests.	$941,000	2,861
Net charge-offs	$104,000	1,694
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$935,000	2,813
2015-03-31 (YTD Data)		Rank
Total interest income	$1,684,000	3,242
Total interest expense	$189,000	3,011
Net interest income	$1,495,000	3,228
Provision for loan and lease losses	$75,000	1,675
Total noninterest income	$101,000	4,512
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$57,000	3,478
Trading account gains and fees	$0	152
Additional Noninterest Income	$44,000	4,655
Total noninterest expense	$1,077,000	3,627
Salaries and employee benefits	$648,000	3,402
Premises and equipment expense	$115,000	3,752
Additional noninterest expense	$314,000	3,855
Pre-tax net operating income	$444,000	3,215
Securities gains (losses)	$4,000	1,704
Applicable income taxes	$0	4,400
Income before extraordinary items	$448,000	2,924
Extraordinary gains, net	$0	13
Net income	$448,000	2,927
Minority interest net income	$0	64
Net income of bank and minority interests.	$448,000	2,927
Net charge-offs	$32,000	1,842
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$444,000	2,864
2014-12-31 (YTD Data)		Rank
Total interest income	$7,353,000	3,070
Total interest expense	$782,000	3,077
Net interest income	$6,571,000	3,036
Provision for loan and lease losses	$510,000	1,442
Total noninterest income	$345,000	4,831
Gross Fiduciary activities income	$35,000	961
Service charges on deposit accounts	$236,000	3,645
Trading account gains and fees	$0	180
Additional Noninterest Income	$74,000	5,484
Total noninterest expense	$4,385,000	3,611
Salaries and employee benefits	$2,675,000	3,331
Premises and equipment expense	$474,000	3,769
Additional noninterest expense	$1,236,000	3,998
Pre-tax net operating income	$2,021,000	2,957
Securities gains (losses)	$11,000	2,605
Applicable income taxes	$0	4,531
Income before extraordinary items	$2,032,000	2,678
Extraordinary gains, net	$0	17
Net income	$2,032,000	2,676
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,032,000	2,678
Net charge-offs	$226,000	2,334
Cash dividends	$1,750,000	1,405
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,021,000	2,641
2014-09-30 (YTD Data)		Rank
Total interest income	$5,483,000	3,104
Total interest expense	$587,000	3,146
Net interest income	$4,896,000	3,073
Provision for loan and lease losses	$185,000	2,160
Total noninterest income	$250,000	4,926
Gross Fiduciary activities income	$32,000	937
Service charges on deposit accounts	$176,000	3,701
Trading account gains and fees	$0	174
Additional Noninterest Income	$42,000	5,740
Total noninterest expense	$3,298,000	3,616
Salaries and employee benefits	$2,013,000	3,340
Premises and equipment expense	$366,000	3,746
Additional noninterest expense	$919,000	4,028
Pre-tax net operating income	$1,663,000	2,849
Securities gains (losses)	$7,000	2,468
Applicable income taxes	$0	4,583
Income before extraordinary items	$1,670,000	2,527
Extraordinary gains, net	$0	15
Net income	$1,670,000	2,528
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,670,000	2,527
Net charge-offs	$160,000	2,234
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,663,000	2,495
2014-06-30 (YTD Data)		Rank
Total interest income	$3,463,000	3,238
Total interest expense	$391,000	3,172
Net interest income	$3,072,000	3,213
Provision for loan and lease losses	$110,000	2,256
Total noninterest income	$185,000	4,782
Gross Fiduciary activities income	$31,000	911
Service charges on deposit accounts	$113,000	3,738
Trading account gains and fees	$0	172
Additional Noninterest Income	$41,000	5,508
Total noninterest expense	$2,252,000	3,581
Salaries and employee benefits	$1,386,000	3,293
Premises and equipment expense	$242,000	3,780
Additional noninterest expense	$624,000	4,009
Pre-tax net operating income	$895,000	3,165
Securities gains (losses)	$6,000	2,106
Applicable income taxes	$0	4,568
Income before extraordinary items	$901,000	2,851
Extraordinary gains, net	$0	20
Net income	$901,000	2,856
Minority interest net income	$0	80
Net income of bank and minority interests.	$901,000	2,856
Net charge-offs	$126,000	1,987
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$895,000	2,812
2014-03-31 (YTD Data)		Rank
Total interest income	$1,653,000	3,359
Total interest expense	$200,000	3,180
Net interest income	$1,453,000	3,356
Provision for loan and lease losses	$45,000	2,313
Total noninterest income	$81,000	4,937
Gross Fiduciary activities income	$1,000	1,081
Service charges on deposit accounts	$57,000	3,721
Trading account gains and fees	$0	147
Additional Noninterest Income	$23,000	5,416
Total noninterest expense	$1,101,000	3,657
Salaries and employee benefits	$670,000	3,392
Premises and equipment expense	$125,000	3,763
Additional noninterest expense	$306,000	4,058
Pre-tax net operating income	$388,000	3,339
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$388,000	3,065
Extraordinary gains, net	$0	16
Net income	$388,000	3,068
Minority interest net income	$0	66
Net income of bank and minority interests.	$388,000	3,068
Net charge-offs	$9,000	2,888
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$388,000	3,019
2013-12-31 (YTD Data)		Rank
Total interest income	$7,208,000	3,177
Total interest expense	$881,000	3,231
Net interest income	$6,327,000	3,133
Provision for loan and lease losses	$255,000	2,654
Total noninterest income	$368,000	4,865
Gross Fiduciary activities income	$28,000	1,004
Service charges on deposit accounts	$239,000	3,787
Trading account gains and fees	$0	184
Additional Noninterest Income	$101,000	5,361
Total noninterest expense	$4,338,000	3,722
Salaries and employee benefits	$2,658,000	3,391
Premises and equipment expense	$490,000	3,779
Additional noninterest expense	$1,190,000	4,219
Pre-tax net operating income	$2,102,000	2,761
Securities gains (losses)	$-2,000	6,101
Applicable income taxes	$0	4,631
Income before extraordinary items	$2,100,000	2,517
Extraordinary gains, net	$0	29
Net income	$2,100,000	2,520
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,100,000	2,520
Net charge-offs	$354,000	2,379
Cash dividends	$1,000,000	1,914
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,102,000	2,452
2013-09-30 (YTD Data)		Rank
Total interest income	$5,402,000	3,206
Total interest expense	$669,000	3,282
Net interest income	$4,733,000	3,160
Provision for loan and lease losses	$180,000	2,702
Total noninterest income	$265,000	4,993
Gross Fiduciary activities income	$23,000	986
Service charges on deposit accounts	$175,000	3,872
Trading account gains and fees	$0	180
Additional Noninterest Income	$67,000	5,546
Total noninterest expense	$3,261,000	3,745
Salaries and employee benefits	$1,982,000	3,413
Premises and equipment expense	$394,000	3,652
Additional noninterest expense	$885,000	4,244
Pre-tax net operating income	$1,557,000	2,851
Securities gains (losses)	$-1,000	6,307
Applicable income taxes	$0	4,713
Income before extraordinary items	$1,556,000	2,592
Extraordinary gains, net	$0	25
Net income	$1,556,000	2,596
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,556,000	2,596
Net charge-offs	$358,000	1,937
Cash dividends	$1,000,000	1,437
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,557,000	2,503
2013-06-30 (YTD Data)		Rank
Total interest income	$3,400,000	3,363
Total interest expense	$449,000	3,332
Net interest income	$2,951,000	3,325
Provision for loan and lease losses	$105,000	2,887
Total noninterest income	$175,000	5,039
Gross Fiduciary activities income	$23,000	953
Service charges on deposit accounts	$112,000	3,912
Trading account gains and fees	$0	157
Additional Noninterest Income	$40,000	5,670
Total noninterest expense	$2,182,000	3,749
Salaries and employee benefits	$1,342,000	3,397
Premises and equipment expense	$236,000	3,911
Additional noninterest expense	$604,000	4,174
Pre-tax net operating income	$839,000	3,239
Securities gains (losses)	$-1,000	6,487
Applicable income taxes	$0	4,679
Income before extraordinary items	$838,000	2,969
Extraordinary gains, net	$0	22
Net income	$838,000	2,971
Minority interest net income	$0	82
Net income of bank and minority interests.	$838,000	2,972
Net charge-offs	$311,000	1,652
Cash dividends	$1,000,000	1,071
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$839,000	2,882
2013-03-31 (YTD Data)		Rank
Total interest income	$1,577,000	3,571
Total interest expense	$233,000	3,324
Net interest income	$1,344,000	3,561
Provision for loan and lease losses	$30,000	3,174
Total noninterest income	$94,000	4,938
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$54,000	3,946
Trading account gains and fees	$0	148
Additional Noninterest Income	$40,000	4,987
Total noninterest expense	$1,115,000	3,737
Salaries and employee benefits	$654,000	3,496
Premises and equipment expense	$113,000	4,039
Additional noninterest expense	$348,000	3,860
Pre-tax net operating income	$293,000	3,843
Securities gains (losses)	$1,000	1,864
Applicable income taxes	$0	4,602
Income before extraordinary items	$294,000	3,608
Extraordinary gains, net	$0	10
Net income	$294,000	3,608
Minority interest net income	$0	76
Net income of bank and minority interests.	$294,000	3,610
Net charge-offs	$318,000	1,012
Cash dividends	$1,000,000	526
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$293,000	3,518
2012-12-31 (YTD Data)		Rank
Total interest income	$7,528,000	3,271
Total interest expense	$1,126,000	3,330
Net interest income	$6,402,000	3,214
Provision for loan and lease losses	$220,000	3,823
Total noninterest income	$454,000	4,648
Gross Fiduciary activities income	$27,000	1,039
Service charges on deposit accounts	$259,000	3,775
Trading account gains and fees	$0	166
Additional Noninterest Income	$168,000	4,802
Total noninterest expense	$4,289,000	3,837
Salaries and employee benefits	$2,620,000	3,446
Premises and equipment expense	$458,000	4,022
Additional noninterest expense	$1,211,000	4,333
Pre-tax net operating income	$2,347,000	2,524
Securities gains (losses)	$80,000	2,435
Applicable income taxes	$0	4,751
Income before extraordinary items	$2,427,000	2,235
Extraordinary gains, net	$0	29
Net income	$2,427,000	2,233
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,427,000	2,236
Net charge-offs	$63,000	4,771
Cash dividends	$2,300,000	1,089
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,347,000	2,168
2012-09-30 (YTD Data)		Rank
Total interest income	$5,733,000	3,293
Total interest expense	$858,000	3,413
Net interest income	$4,875,000	3,213
Provision for loan and lease losses	$90,000	4,446
Total noninterest income	$317,000	4,787
Gross Fiduciary activities income	$21,000	1,020
Service charges on deposit accounts	$186,000	3,921
Trading account gains and fees	$0	157
Additional Noninterest Income	$110,000	5,007
Total noninterest expense	$3,186,000	3,891
Salaries and employee benefits	$1,939,000	3,504
Premises and equipment expense	$359,000	3,973
Additional noninterest expense	$888,000	4,420
Pre-tax net operating income	$1,916,000	2,436
Securities gains (losses)	$11,000	3,090
Applicable income taxes	$0	4,802
Income before extraordinary items	$1,927,000	2,181
Extraordinary gains, net	$0	20
Net income	$1,927,000	2,181
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,927,000	2,182
Net charge-offs	$86,000	4,114
Cash dividends	$2,300,000	691
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,916,000	2,060
2012-06-30 (YTD Data)		Rank
Total interest income	$3,607,000	3,455
Total interest expense	$575,000	3,497
Net interest income	$3,032,000	3,415
Provision for loan and lease losses	$60,000	4,338
Total noninterest income	$217,000	4,758
Gross Fiduciary activities income	$20,000	986
Service charges on deposit accounts	$122,000	3,923
Trading account gains and fees	$0	153
Additional Noninterest Income	$75,000	5,011
Total noninterest expense	$2,199,000	3,843
Salaries and employee benefits	$1,334,000	3,436
Premises and equipment expense	$226,000	4,123
Additional noninterest expense	$639,000	4,237
Pre-tax net operating income	$990,000	2,867
Securities gains (losses)	$28,000	2,353
Applicable income taxes	$0	4,770
Income before extraordinary items	$1,018,000	2,593
Extraordinary gains, net	$0	19
Net income	$1,018,000	2,593
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,018,000	2,593
Net charge-offs	$112,000	3,307
Cash dividends	$2,300,000	457
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$990,000	2,497
2012-03-31 (YTD Data)		Rank
Total interest income	$1,708,000	3,634
Total interest expense	$286,000	3,616
Net interest income	$1,422,000	3,590
Provision for loan and lease losses	$30,000	4,088
Total noninterest income	$108,000	4,819
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$63,000	3,856
Trading account gains and fees	$0	148
Additional Noninterest Income	$45,000	4,865
Total noninterest expense	$1,108,000	3,836
Salaries and employee benefits	$641,000	3,573
Premises and equipment expense	$116,000	4,068
Additional noninterest expense	$351,000	3,981
Pre-tax net operating income	$392,000	3,336
Securities gains (losses)	$-1,000	6,909
Applicable income taxes	$0	4,704
Income before extraordinary items	$391,000	3,122
Extraordinary gains, net	$0	19
Net income	$391,000	3,125
Minority interest net income	$0	78
Net income of bank and minority interests.	$391,000	3,126
Net charge-offs	$57,000	2,915
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$392,000	2,963
2011-12-31 (YTD Data)		Rank
Total interest income	$7,840,000	3,383
Total interest expense	$1,325,000	3,731
Net interest income	$6,515,000	3,248
Provision for loan and lease losses	$390,000	3,790
Total noninterest income	$440,000	4,604
Gross Fiduciary activities income	$28,000	989
Service charges on deposit accounts	$279,000	3,743
Trading account gains and fees	$0	146
Additional Noninterest Income	$133,000	4,999
Total noninterest expense	$4,242,000	3,954
Salaries and employee benefits	$2,547,000	3,514
Premises and equipment expense	$484,000	4,126
Additional noninterest expense	$1,211,000	4,425
Pre-tax net operating income	$2,323,000	2,239
Securities gains (losses)	$16,000	3,164
Applicable income taxes	$0	4,719
Income before extraordinary items	$2,339,000	1,975
Extraordinary gains, net	$0	29
Net income	$2,339,000	1,976
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,339,000	1,976
Net charge-offs	$202,000	4,283
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,323,000	1,903
2011-09-30 (YTD Data)		Rank
Total interest income	$5,913,000	3,400
Total interest expense	$1,018,000	3,791
Net interest income	$4,895,000	3,266
Provision for loan and lease losses	$225,000	3,970
Total noninterest income	$340,000	4,601
Gross Fiduciary activities income	$23,000	964
Service charges on deposit accounts	$209,000	3,766
Trading account gains and fees	$0	145
Additional Noninterest Income	$108,000	4,996
Total noninterest expense	$3,174,000	3,966
Salaries and employee benefits	$1,874,000	3,557
Premises and equipment expense	$375,000	4,081
Additional noninterest expense	$925,000	4,379
Pre-tax net operating income	$1,836,000	2,223
Securities gains (losses)	$-1,000	6,834
Applicable income taxes	$0	4,740
Income before extraordinary items	$1,835,000	1,974
Extraordinary gains, net	$0	21
Net income	$1,835,000	1,974
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,835,000	1,974
Net charge-offs	$188,000	3,783
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,836,000	1,872
2011-06-30 (YTD Data)		Rank
Total interest income	$3,701,000	3,608
Total interest expense	$693,000	3,841
Net interest income	$3,008,000	3,470
Provision for loan and lease losses	$110,000	4,297
Total noninterest income	$224,000	4,674
Gross Fiduciary activities income	$22,000	933
Service charges on deposit accounts	$124,000	3,973
Trading account gains and fees	$0	153
Additional Noninterest Income	$78,000	4,942
Total noninterest expense	$2,168,000	3,958
Salaries and employee benefits	$1,281,000	3,516
Premises and equipment expense	$251,000	4,099
Additional noninterest expense	$636,000	4,369
Pre-tax net operating income	$954,000	2,617
Securities gains (losses)	$1,000	2,791
Applicable income taxes	$0	4,697
Income before extraordinary items	$955,000	2,366
Extraordinary gains, net	$0	15
Net income	$955,000	2,366
Minority interest net income	$0	89
Net income of bank and minority interests.	$955,000	2,366
Net charge-offs	$57,000	4,347
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$954,000	2,274
2011-03-31 (YTD Data)		Rank
Total interest income	$1,755,000	3,777
Total interest expense	$358,000	3,858
Net interest income	$1,397,000	3,658
Provision for loan and lease losses	$95,000	3,442
Total noninterest income	$96,000	4,984
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$59,000	4,038
Trading account gains and fees	$0	158
Additional Noninterest Income	$37,000	5,099
Total noninterest expense	$1,034,000	4,093
Salaries and employee benefits	$605,000	3,699
Premises and equipment expense	$115,000	4,384
Additional noninterest expense	$314,000	4,404
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	$45,000	3,441
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$364,000	2,799
2010-12-31 (YTD Data)		Rank
Total interest income	$7,890,000	3,593
Total interest expense	$1,785,000	3,853
Net interest income	$6,105,000	3,428
Provision for loan and lease losses	$325,000	4,741
Total noninterest income	$473,000	4,671
Gross Fiduciary activities income	$35,000	999
Service charges on deposit accounts	$273,000	3,822
Trading account gains and fees	$0	175
Additional Noninterest Income	$165,000	4,857
Total noninterest expense	$4,113,000	4,139
Salaries and employee benefits	$2,454,000	3,630
Premises and equipment expense	$501,000	4,178
Additional noninterest expense	$1,158,000	4,701
Pre-tax net operating income	$2,140,000	2,122
Securities gains (losses)	$73,000	2,412
Applicable income taxes	$0	4,655
Income before extraordinary items	$2,213,000	1,853
Extraordinary gains, net	$0	29
Net income	$2,213,000	1,854
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,213,000	1,855
Net charge-offs	$184,000	4,850
Cash dividends	$2,500,000	659
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,140,000	1,836
2010-09-30 (YTD Data)		Rank
Total interest income	$5,884,000	3,681
Total interest expense	$1,384,000	3,907
Net interest income	$4,500,000	3,514
Provision for loan and lease losses	$230,000	4,675
Total noninterest income	$361,000	4,722
Gross Fiduciary activities income	$31,000	973
Service charges on deposit accounts	$208,000	3,864
Trading account gains and fees	$0	165
Additional Noninterest Income	$122,000	4,957
Total noninterest expense	$3,119,000	4,101
Salaries and employee benefits	$1,816,000	3,712
Premises and equipment expense	$394,000	4,130
Additional noninterest expense	$909,000	4,568
Pre-tax net operating income	$1,512,000	2,360
Securities gains (losses)	$76,000	2,156
Applicable income taxes	$0	4,726
Income before extraordinary items	$1,588,000	2,048
Extraordinary gains, net	$0	23
Net income	$1,588,000	2,050
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,588,000	2,050
Net charge-offs	$132,000	4,633
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,512,000	2,032
2010-06-30 (YTD Data)		Rank
Total interest income	$3,723,000	3,850
Total interest expense	$940,000	3,962
Net interest income	$2,783,000	3,725
Provision for loan and lease losses	$130,000	4,798
Total noninterest income	$251,000	4,612
Gross Fiduciary activities income	$30,000	940
Service charges on deposit accounts	$135,000	3,905
Trading account gains and fees	$0	152
Additional Noninterest Income	$86,000	4,868
Total noninterest expense	$2,072,000	4,127
Salaries and employee benefits	$1,171,000	3,830
Premises and equipment expense	$265,000	4,130
Additional noninterest expense	$636,000	4,439
Pre-tax net operating income	$832,000	2,727
Securities gains (losses)	$66,000	1,708
Applicable income taxes	$0	4,691
Income before extraordinary items	$898,000	2,302
Extraordinary gains, net	$0	19
Net income	$898,000	2,299
Minority interest net income	$0	105
Net income of bank and minority interests.	$898,000	2,302
Net charge-offs	$53,000	4,835
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$832,000	2,339
2010-03-31 (YTD Data)		Rank
Total interest income	$1,762,000	4,060
Total interest expense	$496,000	3,952
Net interest income	$1,266,000	4,017
Provision for loan and lease losses	$115,000	3,796
Total noninterest income	$108,000	4,912
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$64,000	4,014
Trading account gains and fees	$0	175
Additional Noninterest Income	$44,000	4,900
Total noninterest expense	$1,056,000	4,120
Salaries and employee benefits	$603,000	3,804
Premises and equipment expense	$125,000	4,370
Additional noninterest expense	$328,000	4,351
Pre-tax net operating income	$203,000	4,021
Securities gains (losses)	$66,000	1,005
Applicable income taxes	$0	4,611
Income before extraordinary items	$269,000	3,344
Extraordinary gains, net	$0	16
Net income	$269,000	3,342
Minority interest net income	$0	91
Net income of bank and minority interests.	$269,000	3,344
Net charge-offs	$53,000	3,667
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$203,000	3,737
2009-12-31 (YTD Data)		Rank
Total interest income	$8,178,000	3,757
Total interest expense	$2,533,000	3,864
Net interest income	$5,645,000	3,629
Provision for loan and lease losses	$30,000	7,048
Total noninterest income	$500,000	4,724
Gross Fiduciary activities income	$33,000	1,017
Service charges on deposit accounts	$311,000	3,819
Trading account gains and fees	$0	211
Additional Noninterest Income	$156,000	5,031
Total noninterest expense	$4,503,000	4,008
Salaries and employee benefits	$2,663,000	3,524
Premises and equipment expense	$572,000	3,999
Additional noninterest expense	$1,268,000	4,580
Pre-tax net operating income	$1,612,000	2,251
Securities gains (losses)	$-31,000	7,110
Applicable income taxes	$0	4,388
Income before extraordinary items	$1,581,000	2,026
Extraordinary gains, net	$0	34
Net income	$1,581,000	2,023
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,581,000	2,025
Net charge-offs	$83,000	5,850
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,612,000	1,960
2009-09-30 (YTD Data)		Rank
Total interest income	$6,197,000	3,770
Total interest expense	$1,951,000	3,910
Net interest income	$4,246,000	3,631
Provision for loan and lease losses	$15,000	7,017
Total noninterest income	$397,000	4,699
Gross Fiduciary activities income	$29,000	980
Service charges on deposit accounts	$229,000	3,869
Trading account gains and fees	$0	212
Additional Noninterest Income	$139,000	4,900
Total noninterest expense	$3,187,000	4,179
Salaries and employee benefits	$1,885,000	3,709
Premises and equipment expense	$492,000	3,658
Additional noninterest expense	$810,000	5,028
Pre-tax net operating income	$1,441,000	2,114
Securities gains (losses)	$-21,000	7,291
Applicable income taxes	$0	4,592
Income before extraordinary items	$1,420,000	1,875
Extraordinary gains, net	$0	27
Net income	$1,420,000	1,874
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,420,000	1,875
Net charge-offs	$65,000	5,470
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,441,000	1,802
2009-06-30 (YTD Data)		Rank
Total interest income	$3,994,000	3,907
Total interest expense	$1,330,000	3,967
Net interest income	$2,664,000	3,769
Provision for loan and lease losses	$0	7,158
Total noninterest income	$269,000	4,652
Gross Fiduciary activities income	$28,000	950
Service charges on deposit accounts	$143,000	3,969
Trading account gains and fees	$0	193
Additional Noninterest Income	$98,000	4,834
Total noninterest expense	$2,056,000	4,314
Salaries and employee benefits	$1,246,000	3,780
Premises and equipment expense	$326,000	3,702
Additional noninterest expense	$484,000	5,332
Pre-tax net operating income	$877,000	2,345
Securities gains (losses)	$-21,000	7,535
Applicable income taxes	$0	4,657
Income before extraordinary items	$856,000	2,124
Extraordinary gains, net	$0	21
Net income	$856,000	2,121
Minority interest net income	$0	112
Net income of bank and minority interests.	$856,000	2,123
Net charge-offs	$51,000	4,886
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$877,000	2,009
2009-03-31 (YTD Data)		Rank
Total interest income	$1,936,000	4,037
Total interest expense	$692,000	3,977
Net interest income	$1,244,000	3,953
Provision for loan and lease losses	$0	6,744
Total noninterest income	$110,000	5,038
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$64,000	4,142
Trading account gains and fees	$0	171
Additional Noninterest Income	$46,000	4,978
Total noninterest expense	$1,113,000	3,993
Salaries and employee benefits	$688,000	3,526
Premises and equipment expense	$165,000	3,715
Additional noninterest expense	$260,000	4,836
Pre-tax net operating income	$241,000	3,701
Securities gains (losses)	$2,000	2,230
Applicable income taxes	$0	4,835
Income before extraordinary items	$243,000	3,496
Extraordinary gains, net	$0	15
Net income	$243,000	3,497
Minority interest net income	$0	102
Net income of bank and minority interests.	$243,000	3,497
Net charge-offs	$7,000	4,941
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$241,000	3,369
2008-12-31 (YTD Data)		Rank
Total interest income	$8,428,000	3,997
Total interest expense	$3,192,000	4,071
Net interest income	$5,236,000	3,814
Provision for loan and lease losses	$0	7,334
Total noninterest income	$491,000	4,878
Gross Fiduciary activities income	$28,000	1,065
Service charges on deposit accounts	$359,000	3,669
Trading account gains and fees	$0	154
Additional Noninterest Income	$104,000	5,867
Total noninterest expense	$4,310,000	4,010
Salaries and employee benefits	$2,686,000	3,561
Premises and equipment expense	$665,000	3,635
Additional noninterest expense	$959,000	4,948
Pre-tax net operating income	$1,417,000	3,123
Securities gains (losses)	$59,000	1,489
Applicable income taxes	$0	4,979
Income before extraordinary items	$1,476,000	2,545
Extraordinary gains, net	$0	39
Net income	$1,476,000	2,544
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$245,000	3,826
Cash dividends	$9,378,000	317
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,417,000	2,765
2008-09-30 (YTD Data)		Rank
Total interest income	$6,355,000	4,032
Total interest expense	$2,422,000	4,163
Net interest income	$3,933,000	3,842
Provision for loan and lease losses	$0	6,991
Total noninterest income	$400,000	4,813
Gross Fiduciary activities income	$22,000	1,040
Service charges on deposit accounts	$266,000	3,725
Trading account gains and fees	$0	148
Additional Noninterest Income	$112,000	5,436
Total noninterest expense	$3,256,000	3,961
Salaries and employee benefits	$1,953,000	3,685
Premises and equipment expense	$549,000	3,423
Additional noninterest expense	$754,000	4,729
Pre-tax net operating income	$1,077,000	3,535
Securities gains (losses)	$30,000	1,749
Applicable income taxes	$0	5,372
Income before extraordinary items	$1,107,000	2,903
Extraordinary gains, net	$0	31
Net income	$1,107,000	2,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$207,000	3,015
Cash dividends	$6,378,000	359
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,077,000	3,109
2008-06-30 (YTD Data)		Rank
Total interest income	$4,152,000	4,138
Total interest expense	$1,645,000	4,251
Net interest income	$2,507,000	3,964
Provision for loan and lease losses	$0	6,671
Total noninterest income	$276,000	4,799
Gross Fiduciary activities income	$22,000	997
Service charges on deposit accounts	$180,000	3,694
Trading account gains and fees	$0	149
Additional Noninterest Income	$74,000	5,542
Total noninterest expense	$2,209,000	3,939
Salaries and employee benefits	$1,281,000	3,775
Premises and equipment expense	$384,000	3,314
Additional noninterest expense	$544,000	4,475
Pre-tax net operating income	$574,000	4,118
Securities gains (losses)	$30,000	1,782
Applicable income taxes	$0	5,627
Income before extraordinary items	$604,000	3,631
Extraordinary gains, net	$0	21
Net income	$604,000	3,632
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$152,000	2,536
Cash dividends	$6,378,000	269
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$574,000	3,678
2008-03-31 (YTD Data)		Rank
Total interest income	$2,053,000	4,246
Total interest expense	$847,000	4,350
Net interest income	$1,206,000	4,092
Provision for loan and lease losses	$0	6,080
Total noninterest income	$132,000	4,894
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$88,000	3,708
Trading account gains and fees	$0	158
Additional Noninterest Income	$44,000	5,289
Total noninterest expense	$1,162,000	3,785
Salaries and employee benefits	$691,000	3,577
Premises and equipment expense	$181,000	3,483
Additional noninterest expense	$290,000	4,222
Pre-tax net operating income	$176,000	5,188
Securities gains (losses)	$24,000	1,506
Applicable income taxes	$0	5,622
Income before extraordinary items	$200,000	4,661
Extraordinary gains, net	$0	15
Net income	$200,000	4,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	3,596
Cash dividends	$6,378,000	155
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$176,000	4,825
2007-12-31 (YTD Data)		Rank
Total interest income	$8,936,000	4,057
Total interest expense	$3,802,000	4,137
Net interest income	$5,134,000	3,909
Provision for loan and lease losses	$0	6,851
Total noninterest income	$534,000	4,886
Gross Fiduciary activities income	$24,000	1,127
Service charges on deposit accounts	$393,000	3,554
Trading account gains and fees	$0	178
Additional Noninterest Income	$117,000	5,981
Total noninterest expense	$4,202,000	3,966
Salaries and employee benefits	$2,488,000	3,733
Premises and equipment expense	$656,000	3,608
Additional noninterest expense	$1,058,000	4,463
Pre-tax net operating income	$1,466,000	3,942
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$1,466,000	3,497
Extraordinary gains, net	$0	39
Net income	$1,466,000	3,496
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$144,000	3,272
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,466,000	3,482
2007-09-30 (YTD Data)		Rank
Total interest income	$6,764,000	4,046
Total interest expense	$2,882,000	4,113
Net interest income	$3,882,000	3,900
Provision for loan and lease losses	$0	6,528
Total noninterest income	$394,000	4,943
Gross Fiduciary activities income	$18,000	1,098
Service charges on deposit accounts	$283,000	3,635
Trading account gains and fees	$0	184
Additional Noninterest Income	$93,000	5,922
Total noninterest expense	$3,095,000	4,002
Salaries and employee benefits	$1,796,000	3,834
Premises and equipment expense	$522,000	3,440
Additional noninterest expense	$777,000	4,466
Pre-tax net operating income	$1,181,000	3,986
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$1,181,000	3,507
Extraordinary gains, net	$0	33
Net income	$1,181,000	3,506
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$116,000	2,646
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,181,000	3,490
2007-06-30 (YTD Data)		Rank
Total interest income	$4,419,000	4,121
Total interest expense	$1,882,000	4,175
Net interest income	$2,537,000	3,985
Provision for loan and lease losses	$0	6,209
Total noninterest income	$275,000	4,857
Gross Fiduciary activities income	$16,000	1,072
Service charges on deposit accounts	$190,000	3,613
Trading account gains and fees	$0	168
Additional Noninterest Income	$69,000	5,763
Total noninterest expense	$2,032,000	4,085
Salaries and employee benefits	$1,182,000	3,894
Premises and equipment expense	$360,000	3,355
Additional noninterest expense	$490,000	4,646
Pre-tax net operating income	$780,000	4,074
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$780,000	3,575
Extraordinary gains, net	$0	29
Net income	$780,000	3,575
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	2,475
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$780,000	3,552
2007-03-31 (YTD Data)		Rank
Total interest income	$2,205,000	4,120
Total interest expense	$933,000	4,183
Net interest income	$1,272,000	3,977
Provision for loan and lease losses	$0	5,779
Total noninterest income	$137,000	4,832
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$88,000	3,710
Trading account gains and fees	$0	195
Additional Noninterest Income	$49,000	5,151
Total noninterest expense	$1,040,000	4,018
Salaries and employee benefits	$614,000	3,829
Premises and equipment expense	$185,000	3,320
Additional noninterest expense	$241,000	4,659
Pre-tax net operating income	$369,000	4,191
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$369,000	3,688
Extraordinary gains, net	$0	22
Net income	$369,000	3,689
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	1,903
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$369,000	3,667
2006-12-31 (YTD Data)		Rank
Total interest income	$6,096,000	4,962
Total interest expense	$2,654,000	4,659
Net interest income	$3,442,000	5,108
Provision for loan and lease losses	$23,000	6,241
Total noninterest income	$375,000	5,741
Gross Fiduciary activities income	$14,000	1,231
Service charges on deposit accounts	$225,000	4,738
Trading account gains and fees	$0	130
Additional Noninterest Income	$136,000	5,815
Total noninterest expense	$2,973,000	4,929
Salaries and employee benefits	$1,675,000	4,853
Premises and equipment expense	$408,000	4,860
Additional noninterest expense	$890,000	4,896
Pre-tax net operating income	$821,000	5,602
Securities gains (losses)	$1,000	1,542
Applicable income taxes	$0	6,600
Income before extraordinary items	$822,000	5,146
Extraordinary gains, net	$0	51
Net income	$822,000	5,150
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,921
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$821,000	5,143
2006-09-30 (YTD Data)		Rank
Total interest income	$4,514,000	4,982
Total interest expense	$1,950,000	4,615
Net interest income	$2,564,000	5,170
Provision for loan and lease losses	$23,000	5,896
Total noninterest income	$246,000	6,046
Gross Fiduciary activities income	$8,000	1,232
Service charges on deposit accounts	$168,000	4,794
Trading account gains and fees	$0	126
Additional Noninterest Income	$70,000	6,429
Total noninterest expense	$2,048,000	5,193
Salaries and employee benefits	$1,199,000	4,978
Premises and equipment expense	$328,000	4,650
Additional noninterest expense	$521,000	5,647
Pre-tax net operating income	$739,000	5,391
Securities gains (losses)	$1,000	1,261
Applicable income taxes	$0	6,687
Income before extraordinary items	$740,000	4,887
Extraordinary gains, net	$0	45
Net income	$740,000	4,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	7,863
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$739,000	4,877
2006-06-30 (YTD Data)		Rank
Total interest income	$2,891,000	5,086
Total interest expense	$1,234,000	4,632
Net interest income	$1,657,000	5,302
Provision for loan and lease losses	$23,000	5,452
Total noninterest income	$176,000	5,904
Gross Fiduciary activities income	$7,000	1,216
Service charges on deposit accounts	$109,000	4,821
Trading account gains and fees	$0	126
Additional Noninterest Income	$60,000	6,084
Total noninterest expense	$1,291,000	5,371
Salaries and employee benefits	$791,000	5,018
Premises and equipment expense	$213,000	4,739
Additional noninterest expense	$287,000	6,204
Pre-tax net operating income	$519,000	5,324
Securities gains (losses)	$1,000	1,053
Applicable income taxes	$0	6,706
Income before extraordinary items	$520,000	4,785
Extraordinary gains, net	$0	39
Net income	$520,000	4,789
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,722
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$519,000	4,778
2006-03-31 (YTD Data)		Rank
Total interest income	$1,442,000	5,017
Total interest expense	$592,000	4,617
Net interest income	$850,000	5,224
Provision for loan and lease losses	$22,000	4,442
Total noninterest income	$85,000	5,947
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$54,000	4,773
Trading account gains and fees	$0	115
Additional Noninterest Income	$31,000	6,011
Total noninterest expense	$695,000	5,154
Salaries and employee benefits	$429,000	4,790
Premises and equipment expense	$107,000	4,746
Additional noninterest expense	$159,000	5,891
Pre-tax net operating income	$218,000	5,654
Securities gains (losses)	$1,000	856
Applicable income taxes	$0	6,588
Income before extraordinary items	$219,000	5,131
Extraordinary gains, net	$0	21
Net income	$219,000	5,131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	2,945
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$218,000	5,138
2005-12-31 (YTD Data)		Rank
Total interest income	$5,703,000	4,745
Total interest expense	$2,192,000	4,165
Net interest income	$3,511,000	5,008
Provision for loan and lease losses	$148,000	4,176
Total noninterest income	$388,000	5,784
Gross Fiduciary activities income	$32,000	1,114
Service charges on deposit accounts	$237,000	4,686
Trading account gains and fees	$0	138
Additional Noninterest Income	$119,000	6,127
Total noninterest expense	$2,814,000	5,001
Salaries and employee benefits	$1,644,000	4,767
Premises and equipment expense	$485,000	4,276
Additional noninterest expense	$685,000	5,649
Pre-tax net operating income	$937,000	5,536
Securities gains (losses)	$-1,000	6,938
Applicable income taxes	$0	6,964
Income before extraordinary items	$936,000	4,985
Extraordinary gains, net	$0	46
Net income	$936,000	4,987
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	4,820
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$937,000	4,957
2005-09-30 (YTD Data)		Rank
Total interest income	$4,256,000	4,729
Total interest expense	$1,592,000	4,125
Net interest income	$2,664,000	4,992
Provision for loan and lease losses	$3,000	6,812
Total noninterest income	$300,000	5,763
Gross Fiduciary activities income	$29,000	1,070
Service charges on deposit accounts	$180,000	4,686
Trading account gains and fees	$0	126
Additional Noninterest Income	$91,000	6,086
Total noninterest expense	$2,026,000	5,101
Salaries and employee benefits	$1,165,000	4,915
Premises and equipment expense	$379,000	4,134
Additional noninterest expense	$482,000	5,822
Pre-tax net operating income	$935,000	4,938
Securities gains (losses)	$-1,000	7,299
Applicable income taxes	$0	6,976
Income before extraordinary items	$934,000	4,362
Extraordinary gains, net	$0	35
Net income	$934,000	4,362
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	4,057
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$935,000	4,302
2005-06-30 (YTD Data)		Rank
Total interest income	$2,709,000	4,811
Total interest expense	$989,000	4,166
Net interest income	$1,720,000	5,083
Provision for loan and lease losses	$0	6,626
Total noninterest income	$204,000	5,692
Gross Fiduciary activities income	$22,000	1,057
Service charges on deposit accounts	$112,000	4,793
Trading account gains and fees	$0	116
Additional Noninterest Income	$70,000	5,870
Total noninterest expense	$1,327,000	5,145
Salaries and employee benefits	$759,000	4,975
Premises and equipment expense	$249,000	4,162
Additional noninterest expense	$319,000	5,811
Pre-tax net operating income	$597,000	5,020
Securities gains (losses)	$-1,000	7,609
Applicable income taxes	$0	6,961
Income before extraordinary items	$596,000	4,428
Extraordinary gains, net	$0	30
Net income	$596,000	4,429
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	3,161
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$597,000	4,374
2005-03-31 (YTD Data)		Rank
Total interest income	$1,291,000	4,942
Total interest expense	$466,000	4,227
Net interest income	$825,000	5,238
Provision for loan and lease losses	$0	6,226
Total noninterest income	$126,000	5,140
Gross Fiduciary activities income	$22,000	967
Service charges on deposit accounts	$55,000	4,780
Trading account gains and fees	$0	115
Additional Noninterest Income	$49,000	5,227
Total noninterest expense	$685,000	5,075
Salaries and employee benefits	$360,000	5,185
Premises and equipment expense	$129,000	4,103
Additional noninterest expense	$196,000	5,154
Pre-tax net operating income	$266,000	5,298
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$266,000	4,699
Extraordinary gains, net	$0	24
Net income	$266,000	4,700
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	8,391
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$266,000	4,658
2004-12-31 (YTD Data)		Rank
Total interest income	$5,143,000	4,751
Total interest expense	$1,786,000	3,993
Net interest income	$3,357,000	5,048
Provision for loan and lease losses	$63,000	5,615
Total noninterest income	$442,000	5,569
Gross Fiduciary activities income	$26,000	1,160
Service charges on deposit accounts	$276,000	4,510
Trading account gains and fees	$0	138
Additional Noninterest Income	$140,000	5,820
Total noninterest expense	$2,740,000	4,975
Salaries and employee benefits	$1,600,000	4,731
Premises and equipment expense	$472,000	4,264
Additional noninterest expense	$668,000	5,676
Pre-tax net operating income	$996,000	5,252
Securities gains (losses)	$-7,000	8,135
Applicable income taxes	$0	7,185
Income before extraordinary items	$989,000	4,734
Extraordinary gains, net	$0	34
Net income	$989,000	4,735
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$257,000	2,211
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$996,000	4,641
2004-09-30 (YTD Data)		Rank
Total interest income	$3,898,000	4,690
Total interest expense	$1,322,000	3,999
Net interest income	$2,576,000	4,956
Provision for loan and lease losses	$63,000	5,070
Total noninterest income	$339,000	5,550
Gross Fiduciary activities income	$20,000	1,138
Service charges on deposit accounts	$219,000	4,407
Trading account gains and fees	$0	134
Additional Noninterest Income	$100,000	5,916
Total noninterest expense	$1,949,000	5,121
Salaries and employee benefits	$1,091,000	5,001
Premises and equipment expense	$375,000	4,070
Additional noninterest expense	$483,000	5,737
Pre-tax net operating income	$903,000	4,870
Securities gains (losses)	$-9,000	8,488
Applicable income taxes	$0	7,220
Income before extraordinary items	$894,000	4,290
Extraordinary gains, net	$0	26
Net income	$894,000	4,291
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$203,000	1,888
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$903,000	4,192
2004-06-30 (YTD Data)		Rank
Total interest income	$2,551,000	4,767
Total interest expense	$872,000	4,025
Net interest income	$1,679,000	5,034
Provision for loan and lease losses	$63,000	4,225
Total noninterest income	$236,000	5,432
Gross Fiduciary activities income	$19,000	1,102
Service charges on deposit accounts	$147,000	4,375
Trading account gains and fees	$0	130
Additional Noninterest Income	$70,000	5,848
Total noninterest expense	$1,298,000	5,143
Salaries and employee benefits	$746,000	4,947
Premises and equipment expense	$248,000	4,102
Additional noninterest expense	$304,000	5,936
Pre-tax net operating income	$554,000	5,048
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$554,000	4,461
Extraordinary gains, net	$0	21
Net income	$554,000	4,462
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$200,000	1,376
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$554,000	4,371
2004-03-31 (YTD Data)		Rank
Total interest income	$1,254,000	4,854
Total interest expense	$438,000	4,055
Net interest income	$816,000	5,138
Provision for loan and lease losses	$42,000	3,681
Total noninterest income	$106,000	5,653
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$67,000	4,509
Trading account gains and fees	$0	121
Additional Noninterest Income	$39,000	5,616
Total noninterest expense	$645,000	5,194
Salaries and employee benefits	$353,000	5,165
Premises and equipment expense	$128,000	4,030
Additional noninterest expense	$164,000	5,716
Pre-tax net operating income	$235,000	5,429
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$235,000	4,919
Extraordinary gains, net	$0	16
Net income	$235,000	4,918
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$178,000	888
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$235,000	4,791
2003-12-31 (YTD Data)		Rank
Total interest income	$5,601,000	4,504
Total interest expense	$1,834,000	4,282
Net interest income	$3,767,000	4,565
Provision for loan and lease losses	$546,000	2,018
Total noninterest income	$482,000	5,534
Gross Fiduciary activities income	$24,000	1,214
Service charges on deposit accounts	$265,000	4,609
Trading account gains and fees	$0	160
Additional Noninterest Income	$193,000	5,358
Total noninterest expense	$2,797,000	4,834
Salaries and employee benefits	$1,579,000	4,686
Premises and equipment expense	$461,000	4,315
Additional noninterest expense	$757,000	5,236
Pre-tax net operating income	$906,000	5,404
Securities gains (losses)	$141,000	1,603
Applicable income taxes	$0	7,459
Income before extraordinary items	$1,047,000	4,513
Extraordinary gains, net	$0	54
Net income	$1,047,000	4,515
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$501,000	1,603
Cash dividends	$3,580,000	856
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$906,000	4,761
2003-09-30 (YTD Data)		Rank
Total interest income	$3,943,000	4,784
Total interest expense	$1,394,000	4,378
Net interest income	$2,549,000	4,908
Provision for loan and lease losses	$265,000	2,760
Total noninterest income	$350,000	5,659
Gross Fiduciary activities income	$18,000	1,197
Service charges on deposit accounts	$198,000	4,641
Trading account gains and fees	$0	153
Additional Noninterest Income	$134,000	5,555
Total noninterest expense	$1,939,000	5,089
Salaries and employee benefits	$1,065,000	5,031
Premises and equipment expense	$331,000	4,428
Additional noninterest expense	$543,000	5,361
Pre-tax net operating income	$695,000	5,529
Securities gains (losses)	$132,000	1,515
Applicable income taxes	$0	7,524
Income before extraordinary items	$827,000	4,506
Extraordinary gains, net	$0	40
Net income	$827,000	4,506
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-37,000	8,873
Cash dividends	$3,580,000	632
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$695,000	4,823
2003-06-30 (YTD Data)		Rank
Total interest income	$2,611,000	4,836
Total interest expense	$933,000	4,475
Net interest income	$1,678,000	4,940
Provision for loan and lease losses	$0	7,324
Total noninterest income	$246,000	5,506
Gross Fiduciary activities income	$17,000	1,146
Service charges on deposit accounts	$127,000	4,711
Trading account gains and fees	$0	150
Additional Noninterest Income	$102,000	5,294
Total noninterest expense	$1,331,000	4,976
Salaries and employee benefits	$736,000	4,900
Premises and equipment expense	$218,000	4,468
Additional noninterest expense	$377,000	5,216
Pre-tax net operating income	$593,000	4,859
Securities gains (losses)	$116,000	1,395
Applicable income taxes	$0	7,529
Income before extraordinary items	$709,000	3,824
Extraordinary gains, net	$0	30
Net income	$709,000	3,824
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-56,000	9,014
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$593,000	4,125
2003-03-31 (YTD Data)		Rank
Total interest income	$1,314,000	4,840
Total interest expense	$471,000	4,532
Net interest income	$843,000	4,905
Provision for loan and lease losses	$0	6,934
Total noninterest income	$124,000	5,379
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$61,000	4,717
Trading account gains and fees	$0	134
Additional Noninterest Income	$63,000	4,821
Total noninterest expense	$648,000	5,077
Salaries and employee benefits	$355,000	5,027
Premises and equipment expense	$106,000	4,525
Additional noninterest expense	$187,000	5,211
Pre-tax net operating income	$319,000	4,631
Securities gains (losses)	$116,000	922
Applicable income taxes	$0	7,403
Income before extraordinary items	$435,000	3,266
Extraordinary gains, net	$0	21
Net income	$435,000	3,264
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-25,000	8,934
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$319,000	3,874
2002-12-31 (YTD Data)		Rank
Total interest income	$5,376,000	4,920
Total interest expense	$2,028,000	4,749
Net interest income	$3,348,000	4,907
Provision for loan and lease losses	$125,000	5,264
Total noninterest income	$439,000	5,554
Gross Fiduciary activities income	$24,000	1,242
Service charges on deposit accounts	$196,000	5,245
Trading account gains and fees	$0	153
Additional Noninterest Income	$219,000	4,837
Total noninterest expense	$2,384,000	5,251
Salaries and employee benefits	$1,479,000	4,746
Premises and equipment expense	$335,000	5,228
Additional noninterest expense	$570,000	6,105
Pre-tax net operating income	$1,278,000	4,539
Securities gains (losses)	$-26,000	9,020
Applicable income taxes	$3,000	7,526
Income before extraordinary items	$1,249,000	3,974
Extraordinary gains, net	$0	70
Net income	$1,249,000	3,974
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$207,000	2,962
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,275,000	3,827
2001-12-31 (YTD Data)		Rank
Total interest income	$5,965,000	4,982
Total interest expense	$2,970,000	4,769
Net interest income	$2,995,000	5,079
Provision for loan and lease losses	$57,000	6,529
Total noninterest income	$286,000	6,539
Gross Fiduciary activities income	$24,000	1,274
Service charges on deposit accounts	$191,000	5,272
Trading account gains and fees	$0	177
Additional Noninterest Income	$71,000	7,088
Total noninterest expense	$2,052,000	5,634
Salaries and employee benefits	$1,313,000	4,992
Premises and equipment expense	$291,000	5,618
Additional noninterest expense	$448,000	6,806
Pre-tax net operating income	$1,172,000	4,479
Securities gains (losses)	$22,000	3,077
Applicable income taxes	$0	7,903
Income before extraordinary items	$1,194,000	3,830
Extraordinary gains, net	$0	105
Net income	$1,194,000	3,832
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	5,426
Cash dividends	$2,500,000	1,072
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,172,000	3,746
2000-12-31 (YTD Data)		Rank
Total interest income	$6,301,000	4,917
Total interest expense	$3,200,000	4,685
Net interest income	$3,101,000	5,030
Provision for loan and lease losses	$0	8,337
Total noninterest income	$262,000	6,653
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	5,467
Trading account gains and fees	NA	NA
Additional Noninterest Income	$90,000	6,664
Total noninterest expense	$1,891,000	5,879
Salaries and employee benefits	$1,180,000	5,293
Premises and equipment expense	$248,000	6,081
Additional noninterest expense	$463,000	6,683
Pre-tax net operating income	$1,472,000	4,117
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$1,472,000	3,309
Extraordinary gains, net	$0	38
Net income	$1,472,000	3,308
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	9,408
Cash dividends	$1,300,000	1,851
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,472,000	3,298
1999-12-31 (YTD Data)		Rank
Total interest income	$6,002,000	4,950
Total interest expense	$2,996,000	4,612
Net interest income	$3,006,000	5,155
Provision for loan and lease losses	$0	8,503
Total noninterest income	$285,000	6,571
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$171,000	5,518
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	6,314
Total noninterest expense	$1,873,000	5,927
Salaries and employee benefits	$1,143,000	5,355
Premises and equipment expense	$251,000	6,029
Additional noninterest expense	$479,000	6,676
Pre-tax net operating income	$1,418,000	4,254
Securities gains (losses)	$92,000	757
Applicable income taxes	$182,000	5,901
Income before extraordinary items	$1,328,000	3,579
Extraordinary gains, net	$0	35
Net income	$1,328,000	3,579
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	9,601
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,247,040	3,720
1998-12-31 (YTD Data)		Rank
Total interest income	$6,018,000	4,994
Total interest expense	$3,044,000	4,671
Net interest income	$2,974,000	5,159
Provision for loan and lease losses	$608,000	1,466
Total noninterest income	$280,000	6,666
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$167,000	5,651
Trading account gains and fees	NA	NA
Additional Noninterest Income	$113,000	6,342
Total noninterest expense	$1,933,000	5,723
Salaries and employee benefits	$1,111,000	5,363
Premises and equipment expense	$281,000	5,582
Additional noninterest expense	$541,000	6,161
Pre-tax net operating income	$713,000	6,434
Securities gains (losses)	$1,000	4,151
Applicable income taxes	$140,000	6,978
Income before extraordinary items	$574,000	6,190
Extraordinary gains, net	$0	32
Net income	$574,000	6,190
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$521,000	1,220
Cash dividends	$3,000,000	967
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$573,200	6,083
1997-12-31 (YTD Data)		Rank
Total interest income	$6,156,000	4,966
Total interest expense	$2,958,000	4,776
Net interest income	$3,198,000	5,062
Provision for loan and lease losses	$10,000	8,395
Total noninterest income	$425,000	5,524
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$154,000	6,111
Trading account gains and fees	NA	NA
Additional Noninterest Income	$271,000	4,163
Total noninterest expense	$1,770,000	6,135
Salaries and employee benefits	$1,091,000	5,516
Premises and equipment expense	$215,000	6,570
Additional noninterest expense	$464,000	6,808
Pre-tax net operating income	$1,843,000	3,790
Securities gains (losses)	$5,000	2,787
Applicable income taxes	$515,000	4,126
Income before extraordinary items	$1,333,000	3,715
Extraordinary gains, net	$0	44
Net income	$1,333,000	3,714
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	9,836
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,329,400	3,653
1996-12-31 (YTD Data)		Rank
Total interest income	$5,494,000	5,527
Total interest expense	$2,649,000	5,299
Net interest income	$2,845,000	5,667
Provision for loan and lease losses	$70,000	5,840
Total noninterest income	$285,000	7,129
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$163,000	6,227
Trading account gains and fees	NA	NA
Additional Noninterest Income	$122,000	6,546
Total noninterest expense	$1,726,000	6,558
Salaries and employee benefits	$1,057,000	5,755
Premises and equipment expense	$209,000	6,873
Additional noninterest expense	$460,000	7,381
Pre-tax net operating income	$1,334,000	4,746
Securities gains (losses)	$14,000	2,256
Applicable income taxes	$332,000	5,503
Income before extraordinary items	$1,016,000	4,432
Extraordinary gains, net	$0	53
Net income	$1,016,000	4,433
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,694
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,005,500	4,429
1995-12-31 (YTD Data)		Rank
Total interest income	$5,293,000	5,743
Total interest expense	$2,497,000	5,575
Net interest income	$2,796,000	5,819
Provision for loan and lease losses	$0	8,958
Total noninterest income	$251,000	7,686
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$150,000	6,661
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	7,205
Total noninterest expense	$1,619,000	6,927
Salaries and employee benefits	$960,000	6,248
Premises and equipment expense	$196,000	7,269
Additional noninterest expense	$463,000	7,577
Pre-tax net operating income	$1,428,000	4,627
Securities gains (losses)	$-13,000	10,273
Applicable income taxes	$345,000	5,499
Income before extraordinary items	$1,070,000	4,346
Extraordinary gains, net	$0	65
Net income	$1,070,000	4,343
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-34,000	11,288
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,079,880	4,303
1994-12-31 (YTD Data)		Rank
Total interest income	$4,979,000	5,685
Total interest expense	$2,097,000	5,401
Net interest income	$2,882,000	5,771
Provision for loan and lease losses	$0	9,146
Total noninterest income	$249,000	7,964
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$163,000	6,588
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	7,986
Total noninterest expense	$1,706,000	6,967
Salaries and employee benefits	$969,000	6,247
Premises and equipment expense	$248,000	6,554
Additional noninterest expense	$489,000	7,958
Pre-tax net operating income	$1,425,000	4,611
Securities gains (losses)	$60,000	1,045
Applicable income taxes	$378,000	4,964
Income before extraordinary items	$1,107,000	4,152
Extraordinary gains, net	$0	249
Net income	$1,107,000	4,155
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	11,826
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,062,000	4,361
1993-12-31 (YTD Data)		Rank
Total interest income	$5,305,000	5,488
Total interest expense	$2,156,000	5,486
Net interest income	$3,149,000	5,450
Provision for loan and lease losses	$63,000	6,860
Total noninterest income	$241,000	8,512
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$173,000	6,520
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	9,182
Total noninterest expense	$1,554,000	7,635
Salaries and employee benefits	$923,000	6,583
Premises and equipment expense	$218,000	7,325
Additional noninterest expense	$413,000	9,122
Pre-tax net operating income	$1,773,000	3,738
Securities gains (losses)	$100,000	2,512
Applicable income taxes	$495,000	4,235
Income before extraordinary items	$1,378,000	3,502
Extraordinary gains, net	$0	3,149
Net income	$1,378,000	3,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-46,000	12,622
Cash dividends	$700,000	2,369
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,304,000	3,510
1992-12-31 (YTD Data)		Rank
Total interest income	$5,581,000	5,826
Total interest expense	$2,476,000	6,036
Net interest income	$3,105,000	5,567
Provision for loan and lease losses	$-63,000	13,650
Total noninterest income	$194,000	9,533
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$151,000	7,077
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	10,841
Total noninterest expense	$1,669,000	7,342
Salaries and employee benefits	$960,000	6,264
Premises and equipment expense	$204,000	7,741
Additional noninterest expense	$505,000	8,407
Pre-tax net operating income	$1,693,000	3,638
Securities gains (losses)	$178,000	2,175
Applicable income taxes	$506,000	3,967
Income before extraordinary items	$1,365,000	3,363
Extraordinary gains, net	$0	1,422
Net income	$1,365,000	3,405
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	6,068
Cash dividends	$2,000,000	832
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,235,060	3,433

* 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.