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Beverly Bank, Income and Expense

2019-09-30 (YTD Data)		Rank
Total interest income	$15,520,000	1,489
Total interest expense	$4,188,000	1,134
Net interest income	$11,332,000	1,600
Provision for loan and lease losses	$180,000	2,065
Total noninterest income	$1,113,000	2,309
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$324,000	2,132
Trading account gains and fees	NA	NA
Additional Noninterest Income	$789,000	2,186
Total noninterest expense	$10,729,000	1,423
Salaries and employee benefits	$6,557,000	1,354
Premises and equipment expense	$1,136,000	1,499
Additional noninterest expense	$3,036,000	1,497
Pre-tax net operating income	$1,536,000	3,074
Securities gains (losses)	$310,000	410
Applicable income taxes	$468,000	1,852
Income before extraordinary items	$1,378,000	3,069
Extraordinary gains, net	$0	11
Net income	$1,378,000	3,069
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,378,000	3,069
Net charge-offs	$25,000	2,607
Cash dividends	$270,000	2,954
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,133,100	3,304
2019-06-30 (YTD Data)		Rank
Total interest income	$10,515,000	1,469
Total interest expense	$2,735,000	1,132
Net interest income	$7,780,000	1,566
Provision for loan and lease losses	$120,000	2,025
Total noninterest income	$729,000	2,309
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$206,000	2,182
Trading account gains and fees	NA	NA
Additional Noninterest Income	$523,000	2,165
Total noninterest expense	$6,876,000	1,473
Salaries and employee benefits	$4,181,000	1,413
Premises and equipment expense	$739,000	1,538
Additional noninterest expense	$1,956,000	1,538
Pre-tax net operating income	$1,513,000	2,493
Securities gains (losses)	$275,000	321
Applicable income taxes	$474,000	1,489
Income before extraordinary items	$1,314,000	2,518
Extraordinary gains, net	$0	11
Net income	$1,314,000	2,517
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,314,000	2,517
Net charge-offs	$5,000	2,814
Cash dividends	$180,000	2,912
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,096,750	2,787
2019-03-31 (YTD Data)		Rank
Total interest income	$5,159,000	1,489
Total interest expense	$1,313,000	1,150
Net interest income	$3,846,000	1,590
Provision for loan and lease losses	$60,000	1,874
Total noninterest income	$384,000	2,216
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$100,000	2,212
Trading account gains and fees	NA	NA
Additional Noninterest Income	$284,000	2,018
Total noninterest expense	$3,163,000	1,583
Salaries and employee benefits	$1,829,000	1,592
Premises and equipment expense	$366,000	1,574
Additional noninterest expense	$968,000	1,546
Pre-tax net operating income	$1,007,000	2,048
Securities gains (losses)	$186,000	201
Applicable income taxes	$315,000	1,231
Income before extraordinary items	$878,000	2,057
Extraordinary gains, net	$0	5
Net income	$878,000	2,056
Minority interest net income	$0	52
Net income of bank and minority interests.	$878,000	2,056
Net charge-offs	$2,000	2,456
Cash dividends	$90,000	2,479
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$731,060	2,286
2018-12-31 (YTD Data)		Rank
Total interest income	$18,846,000	1,519
Total interest expense	$4,228,000	1,083
Net interest income	$14,618,000	1,646
Provision for loan and lease losses	$135,000	2,738
Total noninterest income	$1,350,000	2,459
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$435,000	2,194
Trading account gains and fees	NA	NA
Additional Noninterest Income	$915,000	2,340
Total noninterest expense	$11,577,000	1,672
Salaries and employee benefits	$6,874,000	1,626
Premises and equipment expense	$1,322,000	1,676
Additional noninterest expense	$3,381,000	1,731
Pre-tax net operating income	$4,256,000	2,021
Securities gains (losses)	$230,000	200
Applicable income taxes	$1,124,000	1,286
Income before extraordinary items	$3,362,000	2,153
Extraordinary gains, net	$0	6
Net income	$3,362,000	2,151
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,362,000	2,152
Net charge-offs	$7,000	3,458
Cash dividends	$424,000	3,119
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,180,300	2,241
2018-09-30 (YTD Data)		Rank
Total interest income	$13,827,000	1,535
Total interest expense	$2,987,000	1,071
Net interest income	$10,840,000	1,663
Provision for loan and lease losses	$90,000	2,683
Total noninterest income	$1,025,000	2,469
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$318,000	2,236
Trading account gains and fees	NA	NA
Additional Noninterest Income	$707,000	2,334
Total noninterest expense	$8,760,000	1,652
Salaries and employee benefits	$5,131,000	1,630
Premises and equipment expense	$994,000	1,690
Additional noninterest expense	$2,635,000	1,669
Pre-tax net operating income	$3,015,000	2,120
Securities gains (losses)	$211,000	201
Applicable income taxes	$794,000	1,383
Income before extraordinary items	$2,432,000	2,215
Extraordinary gains, net	$0	5
Net income	$2,432,000	2,213
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,432,000	2,214
Net charge-offs	$3,000	3,293
Cash dividends	$314,000	2,804
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,265,310	2,320
2018-06-30 (YTD Data)		Rank
Total interest income	$9,002,000	1,556
Total interest expense	$1,866,000	1,073
Net interest income	$7,136,000	1,678
Provision for loan and lease losses	$60,000	2,584
Total noninterest income	$682,000	2,474
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$211,000	2,233
Trading account gains and fees	NA	NA
Additional Noninterest Income	$471,000	2,326
Total noninterest expense	$5,862,000	1,657
Salaries and employee benefits	$3,404,000	1,657
Premises and equipment expense	$668,000	1,694
Additional noninterest expense	$1,790,000	1,660
Pre-tax net operating income	$1,896,000	2,168
Securities gains (losses)	$177,000	186
Applicable income taxes	$489,000	1,429
Income before extraordinary items	$1,584,000	2,223
Extraordinary gains, net	$0	6
Net income	$1,584,000	2,220
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,584,000	2,222
Net charge-offs	$4,000	2,887
Cash dividends	$214,000	2,766
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,444,170	2,363
2018-03-31 (YTD Data)		Rank
Total interest income	$4,354,000	1,589
Total interest expense	$876,000	1,082
Net interest income	$3,478,000	1,710
Provision for loan and lease losses	$30,000	2,415
Total noninterest income	$317,000	2,551
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$105,000	2,247
Trading account gains and fees	NA	NA
Additional Noninterest Income	$212,000	2,401
Total noninterest expense	$2,945,000	1,663
Salaries and employee benefits	$1,736,000	1,644
Premises and equipment expense	$332,000	1,718
Additional noninterest expense	$877,000	1,676
Pre-tax net operating income	$820,000	2,348
Securities gains (losses)	$149,000	134
Applicable income taxes	$198,000	1,586
Income before extraordinary items	$771,000	2,216
Extraordinary gains, net	$0	7
Net income	$771,000	2,215
Minority interest net income	$0	52
Net income of bank and minority interests.	$771,000	2,216
Net charge-offs	$1,000	2,559
Cash dividends	$85,000	2,408
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$651,800	2,477
2017-12-31 (YTD Data)		Rank
Total interest income	$16,686,000	1,601
Total interest expense	$2,703,000	1,194
Net interest income	$13,983,000	1,667
Provision for loan and lease losses	$120,000	2,846
Total noninterest income	$1,527,000	2,376
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$432,000	2,272
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,095,000	2,184
Total noninterest expense	$11,395,000	1,679
Salaries and employee benefits	$6,730,000	1,650
Premises and equipment expense	$1,239,000	1,796
Additional noninterest expense	$3,426,000	1,747
Pre-tax net operating income	$3,995,000	2,040
Securities gains (losses)	$88,000	668
Applicable income taxes	$2,073,000	1,252
Income before extraordinary items	$2,010,000	2,685
Extraordinary gains, net	$0	9
Net income	$2,010,000	2,684
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,010,000	2,685
Net charge-offs	$56,000	2,895
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,953,680	2,718
2017-09-30 (YTD Data)		Rank
Total interest income	$12,304,000	1,624
Total interest expense	$1,970,000	1,210
Net interest income	$10,334,000	1,693
Provision for loan and lease losses	$90,000	2,745
Total noninterest income	$1,077,000	2,479
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$322,000	2,288
Trading account gains and fees	NA	NA
Additional Noninterest Income	$755,000	2,312
Total noninterest expense	$8,495,000	1,698
Salaries and employee benefits	$5,013,000	1,663
Premises and equipment expense	$929,000	1,811
Additional noninterest expense	$2,553,000	1,741
Pre-tax net operating income	$2,826,000	2,169
Securities gains (losses)	$81,000	672
Applicable income taxes	$1,113,000	1,376
Income before extraordinary items	$1,794,000	2,577
Extraordinary gains, net	$0	9
Net income	$1,794,000	2,577
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,794,000	2,577
Net charge-offs	$9,000	3,291
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,742,160	2,602
2017-06-30 (YTD Data)		Rank
Total interest income	$8,046,000	1,634
Total interest expense	$1,285,000	1,189
Net interest income	$6,761,000	1,711
Provision for loan and lease losses	$60,000	2,608
Total noninterest income	$684,000	2,535
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$214,000	2,275
Trading account gains and fees	NA	NA
Additional Noninterest Income	$470,000	2,402
Total noninterest expense	$5,683,000	1,701
Salaries and employee benefits	$3,304,000	1,684
Premises and equipment expense	$634,000	1,775
Additional noninterest expense	$1,745,000	1,699
Pre-tax net operating income	$1,702,000	2,269
Securities gains (losses)	$0	1,906
Applicable income taxes	$652,000	1,469
Income before extraordinary items	$1,050,000	2,744
Extraordinary gains, net	$0	11
Net income	$1,050,000	2,744
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,050,000	2,744
Net charge-offs	$6,000	3,079
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,050,000	2,720
2017-03-31 (YTD Data)		Rank
Total interest income	$3,952,000	1,651
Total interest expense	$626,000	1,185
Net interest income	$3,326,000	1,732
Provision for loan and lease losses	$30,000	2,408
Total noninterest income	$391,000	2,365
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$105,000	2,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$286,000	2,159
Total noninterest expense	$2,874,000	1,710
Salaries and employee benefits	$1,639,000	1,713
Premises and equipment expense	$329,000	1,736
Additional noninterest expense	$906,000	1,644
Pre-tax net operating income	$813,000	2,258
Securities gains (losses)	$0	1,153
Applicable income taxes	$311,000	1,464
Income before extraordinary items	$502,000	2,747
Extraordinary gains, net	$0	8
Net income	$502,000	2,747
Minority interest net income	$0	55
Net income of bank and minority interests.	$502,000	2,747
Net charge-offs	$0	2,943
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$502,000	2,731
2016-12-31 (YTD Data)		Rank
Total interest income	$15,335,000	1,643
Total interest expense	$2,323,000	1,250
Net interest income	$13,012,000	1,724
Provision for loan and lease losses	$90,000	3,218
Total noninterest income	$1,534,000	2,462
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$413,000	2,409
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,121,000	2,258
Total noninterest expense	$10,480,000	1,822
Salaries and employee benefits	$6,320,000	1,702
Premises and equipment expense	$1,058,000	2,053
Additional noninterest expense	$3,102,000	1,925
Pre-tax net operating income	$3,976,000	1,951
Securities gains (losses)	$55,000	1,768
Applicable income taxes	$1,551,000	1,235
Income before extraordinary items	$2,480,000	2,422
Extraordinary gains, net	$0	5
Net income	$2,480,000	2,421
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,480,000	2,422
Net charge-offs	$25,000	3,551
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,444,800	2,388
2016-09-30 (YTD Data)		Rank
Total interest income	$11,328,000	1,672
Total interest expense	$1,711,000	1,261
Net interest income	$9,617,000	1,754
Provision for loan and lease losses	$90,000	2,817
Total noninterest income	$1,085,000	2,537
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$312,000	2,398
Trading account gains and fees	$0	169
Additional Noninterest Income	$773,000	2,366
Total noninterest expense	$7,892,000	1,813
Salaries and employee benefits	$4,710,000	1,715
Premises and equipment expense	$793,000	2,059
Additional noninterest expense	$2,389,000	1,874
Pre-tax net operating income	$2,720,000	2,106
Securities gains (losses)	$55,000	1,689
Applicable income taxes	$1,062,000	1,353
Income before extraordinary items	$1,713,000	2,591
Extraordinary gains, net	$0	5
Net income	$1,713,000	2,592
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,713,000	2,592
Net charge-offs	$18,000	3,215
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,677,800	2,564
2016-06-30 (YTD Data)		Rank
Total interest income	$7,403,000	1,721
Total interest expense	$1,131,000	1,261
Net interest income	$6,272,000	1,791
Provision for loan and lease losses	$90,000	2,392
Total noninterest income	$654,000	2,639
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$208,000	2,376
Trading account gains and fees	$0	157
Additional Noninterest Income	$446,000	2,518
Total noninterest expense	$5,265,000	1,816
Salaries and employee benefits	$3,142,000	1,707
Premises and equipment expense	$527,000	2,071
Additional noninterest expense	$1,596,000	1,871
Pre-tax net operating income	$1,571,000	2,322
Securities gains (losses)	$14,000	2,123
Applicable income taxes	$603,000	1,494
Income before extraordinary items	$982,000	2,833
Extraordinary gains, net	$0	16
Net income	$982,000	2,831
Minority interest net income	$0	71
Net income of bank and minority interests.	$982,000	2,832
Net charge-offs	$14,000	2,949
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$973,040	2,780
2016-03-31 (YTD Data)		Rank
Total interest income	$3,634,000	1,750
Total interest expense	$558,000	1,272
Net interest income	$3,076,000	1,824
Provision for loan and lease losses	$45,000	2,237
Total noninterest income	$357,000	2,494
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$106,000	2,330
Trading account gains and fees	$0	142
Additional Noninterest Income	$251,000	2,331
Total noninterest expense	$2,605,000	1,844
Salaries and employee benefits	$1,550,000	1,737
Premises and equipment expense	$269,000	2,046
Additional noninterest expense	$786,000	1,892
Pre-tax net operating income	$783,000	2,304
Securities gains (losses)	$14,000	1,386
Applicable income taxes	$301,000	1,479
Income before extraordinary items	$496,000	2,768
Extraordinary gains, net	$0	12
Net income	$496,000	2,767
Minority interest net income	$0	62
Net income of bank and minority interests.	$496,000	2,768
Net charge-offs	$4,000	2,652
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$487,040	2,742
2015-12-31 (YTD Data)		Rank
Total interest income	$14,163,000	1,744
Total interest expense	$2,110,000	1,316
Net interest income	$12,053,000	1,816
Provision for loan and lease losses	$180,000	2,436
Total noninterest income	$1,626,000	2,386
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$419,000	2,433
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,207,000	2,129
Total noninterest expense	$9,763,000	1,941
Salaries and employee benefits	$5,826,000	1,785
Premises and equipment expense	$1,014,000	2,155
Additional noninterest expense	$2,923,000	2,055
Pre-tax net operating income	$3,736,000	1,974
Securities gains (losses)	$115,000	1,090
Applicable income taxes	$1,497,000	1,238
Income before extraordinary items	$2,354,000	2,440
Extraordinary gains, net	$0	23
Net income	$2,354,000	2,441
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,354,000	2,442
Net charge-offs	$21,000	3,740
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,280,400	2,447
2015-09-30 (YTD Data)		Rank
Total interest income	$10,573,000	1,771
Total interest expense	$1,572,000	1,338
Net interest income	$9,001,000	1,843
Provision for loan and lease losses	$135,000	2,359
Total noninterest income	$1,297,000	2,318
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$311,000	2,458
Trading account gains and fees	$0	153
Additional Noninterest Income	$986,000	2,047
Total noninterest expense	$7,308,000	1,945
Salaries and employee benefits	$4,241,000	1,850
Premises and equipment expense	$755,000	2,197
Additional noninterest expense	$2,312,000	1,941
Pre-tax net operating income	$2,855,000	1,985
Securities gains (losses)	$115,000	953
Applicable income taxes	$1,158,000	1,239
Income before extraordinary items	$1,812,000	2,426
Extraordinary gains, net	$0	21
Net income	$1,812,000	2,427
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,812,000	2,427
Net charge-offs	$6,000	3,786
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,738,400	2,466
2015-06-30 (YTD Data)		Rank
Total interest income	$6,868,000	1,819
Total interest expense	$1,024,000	1,376
Net interest income	$5,844,000	1,881
Provision for loan and lease losses	$90,000	2,323
Total noninterest income	$903,000	2,256
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$208,000	2,433
Trading account gains and fees	$0	157
Additional Noninterest Income	$695,000	1,979
Total noninterest expense	$4,826,000	1,973
Salaries and employee benefits	$2,748,000	1,909
Premises and equipment expense	$506,000	2,201
Additional noninterest expense	$1,572,000	1,918
Pre-tax net operating income	$1,831,000	2,029
Securities gains (losses)	$115,000	778
Applicable income taxes	$758,000	1,269
Income before extraordinary items	$1,188,000	2,452
Extraordinary gains, net	$0	22
Net income	$1,188,000	2,454
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,188,000	2,454
Net charge-offs	$1,000	3,770
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,114,400	2,501
2015-03-31 (YTD Data)		Rank
Total interest income	$3,378,000	1,848
Total interest expense	$510,000	1,380
Net interest income	$2,868,000	1,913
Provision for loan and lease losses	$45,000	2,176
Total noninterest income	$326,000	2,676
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$99,000	2,487
Trading account gains and fees	$0	152
Additional Noninterest Income	$227,000	2,467
Total noninterest expense	$2,364,000	2,003
Salaries and employee benefits	$1,319,000	1,989
Premises and equipment expense	$269,000	2,125
Additional noninterest expense	$776,000	1,926
Pre-tax net operating income	$785,000	2,242
Securities gains (losses)	$0	2,027
Applicable income taxes	$303,000	1,431
Income before extraordinary items	$482,000	2,793
Extraordinary gains, net	$0	13
Net income	$482,000	2,796
Minority interest net income	$0	64
Net income of bank and minority interests.	$482,000	2,796
Net charge-offs	$2,000	2,999
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$482,000	2,717
2014-12-31 (YTD Data)		Rank
Total interest income	$13,207,000	1,886
Total interest expense	$2,004,000	1,479
Net interest income	$11,203,000	1,932
Provision for loan and lease losses	$335,000	1,869
Total noninterest income	$1,117,000	2,935
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$388,000	2,744
Trading account gains and fees	$0	180
Additional Noninterest Income	$729,000	2,757
Total noninterest expense	$10,475,000	1,813
Salaries and employee benefits	$5,078,000	2,013
Premises and equipment expense	$930,000	2,376
Additional noninterest expense	$4,467,000	1,427
Pre-tax net operating income	$1,510,000	3,474
Securities gains (losses)	$0	3,259
Applicable income taxes	$570,000	2,076
Income before extraordinary items	$940,000	4,070
Extraordinary gains, net	$0	17
Net income	$940,000	4,070
Minority interest net income	$0	84
Net income of bank and minority interests.	$940,000	4,071
Net charge-offs	$11,000	4,538
Cash dividends	$193,000	3,759
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$940,000	4,006
2014-09-30 (YTD Data)		Rank
Total interest income	$9,780,000	1,920
Total interest expense	$1,483,000	1,521
Net interest income	$8,297,000	1,961
Provision for loan and lease losses	$300,000	1,622
Total noninterest income	$834,000	2,971
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$284,000	2,812
Trading account gains and fees	$0	174
Additional Noninterest Income	$550,000	2,772
Total noninterest expense	$8,248,000	1,738
Salaries and employee benefits	$3,733,000	2,065
Premises and equipment expense	$708,000	2,375
Additional noninterest expense	$3,807,000	1,284
Pre-tax net operating income	$583,000	4,609
Securities gains (losses)	$0	2,980
Applicable income taxes	$210,000	2,761
Income before extraordinary items	$373,000	5,002
Extraordinary gains, net	$0	15
Net income	$373,000	5,002
Minority interest net income	$0	81
Net income of bank and minority interests.	$373,000	5,004
Net charge-offs	$5,000	4,372
Cash dividends	$145,000	3,281
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$373,000	4,963
2014-06-30 (YTD Data)		Rank
Total interest income	$6,417,000	1,939
Total interest expense	$988,000	1,527
Net interest income	$5,429,000	1,987
Provision for loan and lease losses	$180,000	1,726
Total noninterest income	$547,000	2,957
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$184,000	2,860
Trading account gains and fees	$0	172
Additional Noninterest Income	$363,000	2,784
Total noninterest expense	$4,513,000	2,094
Salaries and employee benefits	$2,407,000	2,135
Premises and equipment expense	$479,000	2,362
Additional noninterest expense	$1,627,000	1,881
Pre-tax net operating income	$1,283,000	2,522
Securities gains (losses)	$0	2,580
Applicable income taxes	$497,000	1,549
Income before extraordinary items	$786,000	3,119
Extraordinary gains, net	$0	20
Net income	$786,000	3,125
Minority interest net income	$0	80
Net income of bank and minority interests.	$786,000	3,125
Net charge-offs	$2,000	4,144
Cash dividends	$96,000	3,198
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$786,000	3,076
2014-03-31 (YTD Data)		Rank
Total interest income	$3,153,000	1,962
Total interest expense	$493,000	1,550
Net interest income	$2,660,000	2,014
Provision for loan and lease losses	$60,000	2,013
Total noninterest income	$272,000	2,948
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$96,000	2,751
Trading account gains and fees	$0	147
Additional Noninterest Income	$176,000	2,743
Total noninterest expense	$2,217,000	2,138
Salaries and employee benefits	$1,158,000	2,223
Premises and equipment expense	$244,000	2,349
Additional noninterest expense	$815,000	1,858
Pre-tax net operating income	$655,000	2,429
Securities gains (losses)	$0	1,715
Applicable income taxes	$255,000	1,497
Income before extraordinary items	$400,000	2,996
Extraordinary gains, net	$0	16
Net income	$400,000	2,999
Minority interest net income	$0	66
Net income of bank and minority interests.	$400,000	2,999
Net charge-offs	$-7,000	5,595
Cash dividends	$48,000	2,580
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$400,000	2,960
2013-12-31 (YTD Data)		Rank
Total interest income	$12,390,000	2,000
Total interest expense	$2,152,000	1,592
Net interest income	$10,238,000	2,051
Provision for loan and lease losses	$241,000	2,735
Total noninterest income	$1,483,000	2,607
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$386,000	2,892
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,097,000	2,251
Total noninterest expense	$9,041,000	2,093
Salaries and employee benefits	$5,221,000	1,947
Premises and equipment expense	$895,000	2,487
Additional noninterest expense	$2,925,000	2,130
Pre-tax net operating income	$2,439,000	2,513
Securities gains (losses)	$-1,000	6,053
Applicable income taxes	$940,000	1,527
Income before extraordinary items	$1,498,000	3,167
Extraordinary gains, net	$0	29
Net income	$1,498,000	3,169
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,498,000	3,170
Net charge-offs	$98,000	3,754
Cash dividends	$196,000	3,620
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,498,640	3,110
2013-09-30 (YTD Data)		Rank
Total interest income	$9,211,000	2,015
Total interest expense	$1,635,000	1,614
Net interest income	$7,576,000	2,080
Provision for loan and lease losses	$361,000	1,885
Total noninterest income	$1,159,000	2,593
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$279,000	2,985
Trading account gains and fees	$0	180
Additional Noninterest Income	$880,000	2,223
Total noninterest expense	$6,524,000	2,161
Salaries and employee benefits	$3,617,000	2,118
Premises and equipment expense	$676,000	2,477
Additional noninterest expense	$2,231,000	2,088
Pre-tax net operating income	$1,850,000	2,567
Securities gains (losses)	$-1,000	6,307
Applicable income taxes	$712,000	1,560
Income before extraordinary items	$1,137,000	3,175
Extraordinary gains, net	$0	25
Net income	$1,137,000	3,178
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,137,000	3,179
Net charge-offs	$84,000	3,418
Cash dividends	$147,000	3,136
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,137,640	3,105
2013-06-30 (YTD Data)		Rank
Total interest income	$6,073,000	2,037
Total interest expense	$1,098,000	1,625
Net interest income	$4,975,000	2,098
Provision for loan and lease losses	$238,000	1,928
Total noninterest income	$924,000	2,332
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$183,000	2,977
Trading account gains and fees	$0	157
Additional Noninterest Income	$741,000	1,934
Total noninterest expense	$4,477,000	2,105
Salaries and employee benefits	$2,446,000	2,097
Premises and equipment expense	$466,000	2,416
Additional noninterest expense	$1,565,000	1,999
Pre-tax net operating income	$1,184,000	2,621
Securities gains (losses)	$0	2,791
Applicable income taxes	$455,000	1,613
Income before extraordinary items	$729,000	3,236
Extraordinary gains, net	$0	22
Net income	$729,000	3,238
Minority interest net income	$0	82
Net income of bank and minority interests.	$729,000	3,239
Net charge-offs	$18,000	4,060
Cash dividends	$98,000	3,041
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$729,000	3,146
2013-03-31 (YTD Data)		Rank
Total interest income	$3,029,000	2,059
Total interest expense	$556,000	1,667
Net interest income	$2,473,000	2,120
Provision for loan and lease losses	$121,000	1,887
Total noninterest income	$536,000	2,121
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$92,000	2,953
Trading account gains and fees	$0	148
Additional Noninterest Income	$444,000	1,715
Total noninterest expense	$2,227,000	2,136
Salaries and employee benefits	$1,211,000	2,130
Premises and equipment expense	$234,000	2,433
Additional noninterest expense	$782,000	2,000
Pre-tax net operating income	$661,000	2,381
Securities gains (losses)	$0	1,966
Applicable income taxes	$253,000	1,499
Income before extraordinary items	$408,000	2,990
Extraordinary gains, net	$0	10
Net income	$408,000	2,990
Minority interest net income	$0	76
Net income of bank and minority interests.	$408,000	2,992
Net charge-offs	$-2,000	5,471
Cash dividends	$49,000	2,385
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$408,000	2,910
2012-12-31 (YTD Data)		Rank
Total interest income	$12,574,000	2,083
Total interest expense	$2,614,000	1,678
Net interest income	$9,960,000	2,159
Provision for loan and lease losses	$221,000	3,815
Total noninterest income	$1,959,000	2,218
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$345,000	3,211
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,614,000	1,771
Total noninterest expense	$8,627,000	2,200
Salaries and employee benefits	$4,822,000	2,078
Premises and equipment expense	$1,095,000	2,095
Additional noninterest expense	$2,710,000	2,396
Pre-tax net operating income	$3,071,000	2,047
Securities gains (losses)	$67,000	2,550
Applicable income taxes	$1,220,000	1,282
Income before extraordinary items	$1,918,000	2,653
Extraordinary gains, net	$0	29
Net income	$1,918,000	2,656
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,918,000	2,654
Net charge-offs	$23,000	5,333
Cash dividends	$208,000	3,579
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,875,120	2,579
2012-09-30 (YTD Data)		Rank
Total interest income	$9,479,000	2,106
Total interest expense	$2,006,000	1,715
Net interest income	$7,473,000	2,198
Provision for loan and lease losses	$341,000	2,808
Total noninterest income	$1,373,000	2,312
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$247,000	3,347
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,126,000	1,843
Total noninterest expense	$6,461,000	2,216
Salaries and employee benefits	$3,520,000	2,123
Premises and equipment expense	$818,000	2,126
Additional noninterest expense	$2,123,000	2,282
Pre-tax net operating income	$2,044,000	2,321
Securities gains (losses)	$67,000	2,265
Applicable income taxes	$819,000	1,423
Income before extraordinary items	$1,292,000	2,918
Extraordinary gains, net	$0	20
Net income	$1,292,000	2,918
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,292,000	2,917
Net charge-offs	$-20,000	6,746
Cash dividends	$157,000	3,068
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,249,120	2,835
2012-06-30 (YTD Data)		Rank
Total interest income	$6,351,000	2,114
Total interest expense	$1,362,000	1,742
Net interest income	$4,989,000	2,194
Provision for loan and lease losses	$221,000	2,856
Total noninterest income	$922,000	2,289
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$159,000	3,403
Trading account gains and fees	$0	153
Additional Noninterest Income	$763,000	1,806
Total noninterest expense	$4,286,000	2,232
Salaries and employee benefits	$2,306,000	2,155
Premises and equipment expense	$540,000	2,136
Additional noninterest expense	$1,440,000	2,251
Pre-tax net operating income	$1,404,000	2,251
Securities gains (losses)	$67,000	1,859
Applicable income taxes	$569,000	1,367
Income before extraordinary items	$902,000	2,804
Extraordinary gains, net	$0	19
Net income	$902,000	2,805
Minority interest net income	$0	84
Net income of bank and minority interests.	$902,000	2,805
Net charge-offs	$-20,000	6,797
Cash dividends	$104,000	2,969
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$859,120	2,750
2012-03-31 (YTD Data)		Rank
Total interest income	$3,186,000	2,125
Total interest expense	$697,000	1,766
Net interest income	$2,489,000	2,199
Provision for loan and lease losses	$110,000	2,755
Total noninterest income	$357,000	2,652
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$80,000	3,381
Trading account gains and fees	$0	148
Additional Noninterest Income	$277,000	2,211
Total noninterest expense	$2,127,000	2,242
Salaries and employee benefits	$1,142,000	2,190
Premises and equipment expense	$277,000	2,107
Additional noninterest expense	$708,000	2,263
Pre-tax net operating income	$609,000	2,502
Securities gains (losses)	$67,000	1,105
Applicable income taxes	$261,000	1,441
Income before extraordinary items	$415,000	2,979
Extraordinary gains, net	$0	19
Net income	$415,000	2,982
Minority interest net income	$0	78
Net income of bank and minority interests.	$415,000	2,983
Net charge-offs	$-10,000	6,648
Cash dividends	$53,000	2,394
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$372,120	3,057
2011-12-31 (YTD Data)		Rank
Total interest income	$13,305,000	2,094
Total interest expense	$3,314,000	1,780
Net interest income	$9,991,000	2,183
Provision for loan and lease losses	$303,000	4,092
Total noninterest income	$1,381,000	2,581
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$377,000	3,141
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,004,000	2,130
Total noninterest expense	$8,188,000	2,320
Salaries and employee benefits	$4,115,000	2,345
Premises and equipment expense	$1,079,000	2,246
Additional noninterest expense	$2,994,000	2,205
Pre-tax net operating income	$2,881,000	1,914
Securities gains (losses)	$100,000	2,070
Applicable income taxes	$1,161,000	1,220
Income before extraordinary items	$1,820,000	2,441
Extraordinary gains, net	$0	29
Net income	$1,820,000	2,441
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,820,000	2,442
Net charge-offs	$230,000	4,129
Cash dividends	$198,000	3,386
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,756,000	2,412
2011-09-30 (YTD Data)		Rank
Total interest income	$10,025,000	2,120
Total interest expense	$2,546,000	1,809
Net interest income	$7,479,000	2,202
Provision for loan and lease losses	$452,000	3,013
Total noninterest income	$912,000	2,762
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$289,000	3,111
Trading account gains and fees	$0	145
Additional Noninterest Income	$623,000	2,373
Total noninterest expense	$6,048,000	2,365
Salaries and employee benefits	$3,006,000	2,398
Premises and equipment expense	$817,000	2,253
Additional noninterest expense	$2,225,000	2,232
Pre-tax net operating income	$1,891,000	2,175
Securities gains (losses)	$100,000	1,791
Applicable income taxes	$767,000	1,334
Income before extraordinary items	$1,224,000	2,687
Extraordinary gains, net	$0	21
Net income	$1,224,000	2,689
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,224,000	2,689
Net charge-offs	$35,000	5,217
Cash dividends	$147,000	2,926
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,160,000	2,688
2011-06-30 (YTD Data)		Rank
Total interest income	$6,664,000	2,142
Total interest expense	$1,722,000	1,857
Net interest income	$4,942,000	2,221
Provision for loan and lease losses	$301,000	2,948
Total noninterest income	$558,000	2,923
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$197,000	3,068
Trading account gains and fees	$0	153
Additional Noninterest Income	$361,000	2,589
Total noninterest expense	$3,968,000	2,427
Salaries and employee benefits	$1,954,000	2,468
Premises and equipment expense	$541,000	2,286
Additional noninterest expense	$1,473,000	2,279
Pre-tax net operating income	$1,231,000	2,185
Securities gains (losses)	$100,000	1,143
Applicable income taxes	$510,000	1,307
Income before extraordinary items	$821,000	2,632
Extraordinary gains, net	$0	15
Net income	$821,000	2,632
Minority interest net income	$0	89
Net income of bank and minority interests.	$821,000	2,632
Net charge-offs	$27,000	4,894
Cash dividends	$98,000	2,826
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$757,000	2,680
2011-03-31 (YTD Data)		Rank
Total interest income	$3,340,000	2,145
Total interest expense	$865,000	1,912
Net interest income	$2,475,000	2,208
Provision for loan and lease losses	$151,000	2,740
Total noninterest income	$298,000	2,840
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$96,000	3,056
Trading account gains and fees	$0	158
Additional Noninterest Income	$202,000	2,455
Total noninterest expense	$1,957,000	2,461
Salaries and employee benefits	$962,000	2,517
Premises and equipment expense	$287,000	2,219
Additional noninterest expense	$708,000	2,346
Pre-tax net operating income	$665,000	2,049
Securities gains (losses)	$0	1,772
Applicable income taxes	$255,000	1,262
Income before extraordinary items	$410,000	2,611
Extraordinary gains, net	$0	9
Net income	$410,000	2,610
Minority interest net income	$0	86
Net income of bank and minority interests.	$410,000	2,611
Net charge-offs	$40,000	3,522
Cash dividends	$48,000	2,260
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$410,000	2,555
2010-12-31 (YTD Data)		Rank
Total interest income	$14,308,000	2,102
Total interest expense	$4,329,000	1,855
Net interest income	$9,979,000	2,200
Provision for loan and lease losses	$606,000	3,823
Total noninterest income	$1,344,000	2,712
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$414,000	3,009
Trading account gains and fees	$0	175
Additional Noninterest Income	$930,000	2,266
Total noninterest expense	$8,085,000	2,393
Salaries and employee benefits	$3,942,000	2,431
Premises and equipment expense	$1,157,000	2,183
Additional noninterest expense	$2,986,000	2,302
Pre-tax net operating income	$2,632,000	1,818
Securities gains (losses)	$0	3,793
Applicable income taxes	$1,026,000	1,197
Income before extraordinary items	$1,606,000	2,395
Extraordinary gains, net	$0	29
Net income	$1,606,000	2,393
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,606,000	2,396
Net charge-offs	$435,000	3,830
Cash dividends	$200,000	3,268
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,606,000	2,291
2010-09-30 (YTD Data)		Rank
Total interest income	$10,723,000	2,155
Total interest expense	$3,351,000	1,877
Net interest income	$7,372,000	2,278
Provision for loan and lease losses	$725,000	2,991
Total noninterest income	$929,000	2,877
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$313,000	3,067
Trading account gains and fees	$0	165
Additional Noninterest Income	$616,000	2,446
Total noninterest expense	$5,797,000	2,494
Salaries and employee benefits	$2,821,000	2,576
Premises and equipment expense	$841,000	2,290
Additional noninterest expense	$2,135,000	2,353
Pre-tax net operating income	$1,779,000	2,080
Securities gains (losses)	$0	3,651
Applicable income taxes	$690,000	1,352
Income before extraordinary items	$1,089,000	2,737
Extraordinary gains, net	$0	23
Net income	$1,089,000	2,733
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,089,000	2,738
Net charge-offs	$7,000	6,361
Cash dividends	$150,000	2,918
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,089,000	2,605
2010-06-30 (YTD Data)		Rank
Total interest income	$7,184,000	2,168
Total interest expense	$2,333,000	1,864
Net interest income	$4,851,000	2,298
Provision for loan and lease losses	$482,000	2,914
Total noninterest income	$543,000	3,062
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$212,000	3,049
Trading account gains and fees	$0	152
Additional Noninterest Income	$331,000	2,697
Total noninterest expense	$3,761,000	2,580
Salaries and employee benefits	$1,828,000	2,642
Premises and equipment expense	$549,000	2,345
Additional noninterest expense	$1,384,000	2,410
Pre-tax net operating income	$1,151,000	2,119
Securities gains (losses)	$0	3,184
Applicable income taxes	$454,000	1,312
Income before extraordinary items	$697,000	2,778
Extraordinary gains, net	$0	19
Net income	$697,000	2,774
Minority interest net income	$0	105
Net income of bank and minority interests.	$697,000	2,777
Net charge-offs	$4,000	6,102
Cash dividends	$97,000	2,873
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$697,000	2,678
2010-03-31 (YTD Data)		Rank
Total interest income	$3,647,000	2,191
Total interest expense	$1,242,000	1,857
Net interest income	$2,405,000	2,341
Provision for loan and lease losses	$241,000	2,746
Total noninterest income	$250,000	3,213
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$106,000	3,042
Trading account gains and fees	$0	175
Additional Noninterest Income	$144,000	2,911
Total noninterest expense	$1,834,000	2,659
Salaries and employee benefits	$891,000	2,753
Premises and equipment expense	$282,000	2,339
Additional noninterest expense	$661,000	2,489
Pre-tax net operating income	$580,000	2,149
Securities gains (losses)	$0	2,284
Applicable income taxes	$225,000	1,320
Income before extraordinary items	$355,000	2,790
Extraordinary gains, net	$0	16
Net income	$355,000	2,787
Minority interest net income	$0	91
Net income of bank and minority interests.	$355,000	2,790
Net charge-offs	$-1,000	6,806
Cash dividends	$48,000	2,302
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$355,000	2,676
2009-12-31 (YTD Data)		Rank
Total interest income	$15,078,000	2,218
Total interest expense	$6,241,000	1,867
Net interest income	$8,837,000	2,455
Provision for loan and lease losses	$636,000	4,168
Total noninterest income	$1,044,000	3,253
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$434,000	3,168
Trading account gains and fees	$0	211
Additional Noninterest Income	$610,000	2,878
Total noninterest expense	$7,352,000	2,675
Salaries and employee benefits	$3,702,000	2,636
Premises and equipment expense	$1,085,000	2,414
Additional noninterest expense	$2,565,000	2,691
Pre-tax net operating income	$1,893,000	1,992
Securities gains (losses)	$-56,000	7,199
Applicable income taxes	$716,000	1,223
Income before extraordinary items	$1,121,000	2,581
Extraordinary gains, net	$0	34
Net income	$1,121,000	2,579
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,121,000	2,580
Net charge-offs	$140,000	5,400
Cash dividends	$239,000	3,490
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,156,840	2,481
2009-09-30 (YTD Data)		Rank
Total interest income	$11,261,000	2,254
Total interest expense	$4,800,000	1,889
Net interest income	$6,461,000	2,517
Provision for loan and lease losses	$385,000	4,234
Total noninterest income	$777,000	3,329
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$327,000	3,172
Trading account gains and fees	$0	212
Additional Noninterest Income	$450,000	2,994
Total noninterest expense	$5,527,000	2,676
Salaries and employee benefits	$2,743,000	2,693
Premises and equipment expense	$804,000	2,462
Additional noninterest expense	$1,980,000	2,595
Pre-tax net operating income	$1,326,000	2,273
Securities gains (losses)	$0	3,497
Applicable income taxes	$515,000	1,370
Income before extraordinary items	$811,000	2,835
Extraordinary gains, net	$0	27
Net income	$811,000	2,832
Minority interest net income	$0	118
Net income of bank and minority interests.	$811,000	2,835
Net charge-offs	$32,000	5,988
Cash dividends	$190,000	3,125
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$811,000	2,788
2009-06-30 (YTD Data)		Rank
Total interest income	$7,467,000	2,300
Total interest expense	$3,296,000	1,934
Net interest income	$4,171,000	2,607
Provision for loan and lease losses	$258,000	3,959
Total noninterest income	$521,000	3,327
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$212,000	3,207
Trading account gains and fees	$0	193
Additional Noninterest Income	$309,000	2,955
Total noninterest expense	$3,639,000	2,731
Salaries and employee benefits	$1,816,000	2,745
Premises and equipment expense	$532,000	2,507
Additional noninterest expense	$1,291,000	2,661
Pre-tax net operating income	$795,000	2,527
Securities gains (losses)	$0	3,136
Applicable income taxes	$310,000	1,500
Income before extraordinary items	$485,000	3,148
Extraordinary gains, net	$0	21
Net income	$485,000	3,146
Minority interest net income	$0	112
Net income of bank and minority interests.	$485,000	3,147
Net charge-offs	$36,000	5,192
Cash dividends	$136,000	3,042
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$485,000	3,045
2009-03-31 (YTD Data)		Rank
Total interest income	$3,696,000	2,355
Total interest expense	$1,660,000	1,992
Net interest income	$2,036,000	2,664
Provision for loan and lease losses	$128,000	3,516
Total noninterest income	$232,000	3,526
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$100,000	3,259
Trading account gains and fees	$0	171
Additional Noninterest Income	$132,000	3,186
Total noninterest expense	$1,773,000	2,713
Salaries and employee benefits	$892,000	2,834
Premises and equipment expense	$277,000	2,466
Additional noninterest expense	$604,000	2,549
Pre-tax net operating income	$367,000	2,982
Securities gains (losses)	$0	2,434
Applicable income taxes	$143,000	1,790
Income before extraordinary items	$224,000	3,671
Extraordinary gains, net	$0	15
Net income	$224,000	3,671
Minority interest net income	$0	102
Net income of bank and minority interests.	$224,000	3,672
Net charge-offs	$3,000	5,319
Cash dividends	$72,000	2,481
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$224,000	3,522
2008-12-31 (YTD Data)		Rank
Total interest income	$15,981,000	2,333
Total interest expense	$7,162,000	2,160
Net interest income	$8,819,000	2,471
Provision for loan and lease losses	$316,000	4,539
Total noninterest income	$966,000	3,489
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$497,000	3,026
Trading account gains and fees	$0	154
Additional Noninterest Income	$469,000	3,290
Total noninterest expense	$7,494,000	2,528
Salaries and employee benefits	$3,893,000	2,567
Premises and equipment expense	$1,090,000	2,437
Additional noninterest expense	$2,511,000	2,329
Pre-tax net operating income	$1,975,000	2,471
Securities gains (losses)	$-2,577,000	7,953
Applicable income taxes	$-278,000	7,308
Income before extraordinary items	$-324,000	6,592
Extraordinary gains, net	$0	39
Net income	$-324,000	6,592
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,000	4,638
Cash dividends	$382,000	3,754
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,325,280	2,879
2008-09-30 (YTD Data)		Rank
Total interest income	$12,095,000	2,365
Total interest expense	$5,470,000	2,211
Net interest income	$6,625,000	2,492
Provision for loan and lease losses	$236,000	3,932
Total noninterest income	$730,000	3,553
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$380,000	3,009
Trading account gains and fees	$0	148
Additional Noninterest Income	$350,000	3,412
Total noninterest expense	$5,455,000	2,588
Salaries and employee benefits	$2,878,000	2,635
Premises and equipment expense	$818,000	2,443
Additional noninterest expense	$1,759,000	2,408
Pre-tax net operating income	$1,664,000	2,636
Securities gains (losses)	$-2,577,000	8,105
Applicable income taxes	$656,000	1,600
Income before extraordinary items	$-1,569,000	7,729
Extraordinary gains, net	$0	31
Net income	$-1,569,000	7,728
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	5,452
Cash dividends	$295,000	3,454
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,008,000	3,234
2008-06-30 (YTD Data)		Rank
Total interest income	$8,001,000	2,417
Total interest expense	$3,721,000	2,242
Net interest income	$4,280,000	2,555
Provision for loan and lease losses	$142,000	3,753
Total noninterest income	$492,000	3,542
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$250,000	3,011
Trading account gains and fees	$0	149
Additional Noninterest Income	$242,000	3,411
Total noninterest expense	$3,640,000	2,590
Salaries and employee benefits	$1,898,000	2,685
Premises and equipment expense	$554,000	2,410
Additional noninterest expense	$1,188,000	2,372
Pre-tax net operating income	$990,000	2,977
Securities gains (losses)	$10,000	2,438
Applicable income taxes	$376,000	1,938
Income before extraordinary items	$624,000	3,557
Extraordinary gains, net	$0	21
Net income	$624,000	3,557
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,802
Cash dividends	$206,000	3,387
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$617,600	3,530
2008-03-31 (YTD Data)		Rank
Total interest income	$4,004,000	2,469
Total interest expense	$1,966,000	2,269
Net interest income	$2,038,000	2,670
Provision for loan and lease losses	$61,000	3,456
Total noninterest income	$277,000	3,294
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$126,000	2,950
Trading account gains and fees	$0	158
Additional Noninterest Income	$151,000	3,028
Total noninterest expense	$1,833,000	2,569
Salaries and employee benefits	$953,000	2,702
Premises and equipment expense	$289,000	2,343
Additional noninterest expense	$591,000	2,345
Pre-tax net operating income	$421,000	3,425
Securities gains (losses)	$10,000	1,965
Applicable income taxes	$165,000	2,201
Income before extraordinary items	$266,000	4,073
Extraordinary gains, net	$0	15
Net income	$266,000	4,075
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,920
Cash dividends	$117,000	2,793
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$259,600	4,022
2007-12-31 (YTD Data)		Rank
Total interest income	$16,018,000	2,534
Total interest expense	$8,243,000	2,262
Net interest income	$7,775,000	2,804
Provision for loan and lease losses	$618,000	2,013
Total noninterest income	$1,348,000	2,895
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$461,000	3,230
Trading account gains and fees	$0	178
Additional Noninterest Income	$887,000	2,404
Total noninterest expense	$6,964,000	2,608
Salaries and employee benefits	$3,686,000	2,678
Premises and equipment expense	$1,120,000	2,322
Additional noninterest expense	$2,158,000	2,492
Pre-tax net operating income	$1,541,000	3,856
Securities gains (losses)	$2,000	1,832
Applicable income taxes	$586,000	2,538
Income before extraordinary items	$957,000	4,410
Extraordinary gains, net	$0	39
Net income	$957,000	4,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$305,000	2,265
Cash dividends	$310,000	4,370
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$955,720	4,412
2007-09-30 (YTD Data)		Rank
Total interest income	$11,942,000	2,551
Total interest expense	$6,109,000	2,284
Net interest income	$5,833,000	2,811
Provision for loan and lease losses	$553,000	1,435
Total noninterest income	$1,096,000	2,741
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$334,000	3,311
Trading account gains and fees	$0	184
Additional Noninterest Income	$762,000	2,184
Total noninterest expense	$5,207,000	2,591
Salaries and employee benefits	$2,782,000	2,652
Premises and equipment expense	$841,000	2,300
Additional noninterest expense	$1,584,000	2,497
Pre-tax net operating income	$1,169,000	4,007
Securities gains (losses)	$0	1,655
Applicable income taxes	$445,000	2,682
Income before extraordinary items	$724,000	4,569
Extraordinary gains, net	$0	33
Net income	$724,000	4,569
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	4,063
Cash dividends	$193,000	4,170
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$724,000	4,567
2007-06-30 (YTD Data)		Rank
Total interest income	$7,863,000	2,589
Total interest expense	$3,934,000	2,356
Net interest income	$3,929,000	2,797
Provision for loan and lease losses	$488,000	1,056
Total noninterest income	$829,000	2,543
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$218,000	3,337
Trading account gains and fees	$0	168
Additional Noninterest Income	$611,000	1,955
Total noninterest expense	$3,481,000	2,615
Salaries and employee benefits	$1,852,000	2,690
Premises and equipment expense	$566,000	2,287
Additional noninterest expense	$1,063,000	2,494
Pre-tax net operating income	$789,000	4,043
Securities gains (losses)	$0	1,444
Applicable income taxes	$299,000	2,740
Income before extraordinary items	$490,000	4,589
Extraordinary gains, net	$0	29
Net income	$490,000	4,590
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	3,180
Cash dividends	$128,000	4,107
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$490,000	4,586
2007-03-31 (YTD Data)		Rank
Total interest income	$3,907,000	2,605
Total interest expense	$1,941,000	2,377
Net interest income	$1,966,000	2,803
Provision for loan and lease losses	$420,000	604
Total noninterest income	$619,000	1,902
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$102,000	3,414
Trading account gains and fees	$0	195
Additional Noninterest Income	$517,000	1,330
Total noninterest expense	$1,732,000	2,634
Salaries and employee benefits	$972,000	2,605
Premises and equipment expense	$283,000	2,307
Additional noninterest expense	$477,000	2,721
Pre-tax net operating income	$433,000	3,822
Securities gains (losses)	$0	1,187
Applicable income taxes	$163,000	2,659
Income before extraordinary items	$270,000	4,391
Extraordinary gains, net	$0	22
Net income	$270,000	4,393
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	1,982
Cash dividends	$63,000	3,453
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$270,000	4,375
2006-12-31 (YTD Data)		Rank
Total interest income	$14,208,000	2,666
Total interest expense	$6,303,000	2,490
Net interest income	$7,905,000	2,782
Provision for loan and lease losses	$253,000	3,076
Total noninterest income	$654,000	4,519
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$353,000	3,800
Trading account gains and fees	$0	130
Additional Noninterest Income	$301,000	4,285
Total noninterest expense	$6,441,000	2,706
Salaries and employee benefits	$3,393,000	2,804
Premises and equipment expense	$1,055,000	2,338
Additional noninterest expense	$1,993,000	2,578
Pre-tax net operating income	$1,865,000	3,798
Securities gains (losses)	$-77,000	8,104
Applicable income taxes	$715,000	2,637
Income before extraordinary items	$1,073,000	4,553
Extraordinary gains, net	$0	51
Net income	$1,073,000	4,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-27,000	8,209
Cash dividends	$251,000	4,677
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,122,280	4,422
2006-09-30 (YTD Data)		Rank
Total interest income	$10,549,000	2,676
Total interest expense	$4,574,000	2,492
Net interest income	$5,975,000	2,788
Provision for loan and lease losses	$187,000	2,991
Total noninterest income	$458,000	4,717
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$241,000	4,001
Trading account gains and fees	$0	126
Additional Noninterest Income	$217,000	4,365
Total noninterest expense	$4,765,000	2,740
Salaries and employee benefits	$2,512,000	2,839
Premises and equipment expense	$790,000	2,360
Additional noninterest expense	$1,463,000	2,623
Pre-tax net operating income	$1,481,000	3,810
Securities gains (losses)	$0	1,388
Applicable income taxes	$598,000	2,605
Income before extraordinary items	$883,000	4,464
Extraordinary gains, net	$0	45
Net income	$883,000	4,468
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-32,000	8,217
Cash dividends	$186,000	4,248
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$883,000	4,456
2006-06-30 (YTD Data)		Rank
Total interest income	$6,861,000	2,696
Total interest expense	$2,878,000	2,521
Net interest income	$3,983,000	2,795
Provision for loan and lease losses	$120,000	2,983
Total noninterest income	$289,000	4,836
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$130,000	4,426
Trading account gains and fees	$0	126
Additional Noninterest Income	$159,000	4,188
Total noninterest expense	$3,151,000	2,780
Salaries and employee benefits	$1,668,000	2,842
Premises and equipment expense	$539,000	2,301
Additional noninterest expense	$944,000	2,706
Pre-tax net operating income	$1,001,000	3,793
Securities gains (losses)	$0	1,185
Applicable income taxes	$400,000	2,617
Income before extraordinary items	$601,000	4,436
Extraordinary gains, net	$0	39
Net income	$601,000	4,440
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-39,000	8,345
Cash dividends	$121,000	4,190
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$601,000	4,430
2006-03-31 (YTD Data)		Rank
Total interest income	$3,350,000	2,702
Total interest expense	$1,346,000	2,561
Net interest income	$2,004,000	2,779
Provision for loan and lease losses	$60,000	2,788
Total noninterest income	$139,000	4,857
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$60,000	4,537
Trading account gains and fees	$0	115
Additional Noninterest Income	$79,000	4,177
Total noninterest expense	$1,571,000	2,779
Salaries and employee benefits	$837,000	2,858
Premises and equipment expense	$282,000	2,212
Additional noninterest expense	$452,000	2,795
Pre-tax net operating income	$512,000	3,679
Securities gains (losses)	$0	955
Applicable income taxes	$203,000	2,586
Income before extraordinary items	$309,000	4,342
Extraordinary gains, net	$0	21
Net income	$309,000	4,342
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-18,000	8,116
Cash dividends	$58,000	3,504
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$309,000	4,332
2005-12-31 (YTD Data)		Rank
Total interest income	$11,094,000	2,883
Total interest expense	$3,540,000	2,914
Net interest income	$7,554,000	2,839
Provision for loan and lease losses	$240,000	3,239
Total noninterest income	$835,000	3,961
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$232,000	4,733
Trading account gains and fees	$0	138
Additional Noninterest Income	$603,000	3,044
Total noninterest expense	$6,305,000	2,621
Salaries and employee benefits	$3,296,000	2,739
Premises and equipment expense	$1,101,000	2,175
Additional noninterest expense	$1,908,000	2,609
Pre-tax net operating income	$1,844,000	3,881
Securities gains (losses)	$2,000	1,993
Applicable income taxes	$673,000	2,882
Income before extraordinary items	$1,173,000	4,408
Extraordinary gains, net	$0	46
Net income	$1,173,000	4,409
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	4,287
Cash dividends	$195,000	4,949
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,171,720	4,371
2005-09-30 (YTD Data)		Rank
Total interest income	$8,069,000	2,908
Total interest expense	$2,374,000	3,054
Net interest income	$5,695,000	2,801
Provision for loan and lease losses	$180,000	3,127
Total noninterest income	$511,000	4,489
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$167,000	4,848
Trading account gains and fees	$0	126
Additional Noninterest Income	$344,000	3,556
Total noninterest expense	$4,665,000	2,631
Salaries and employee benefits	$2,446,000	2,725
Premises and equipment expense	$806,000	2,217
Additional noninterest expense	$1,413,000	2,603
Pre-tax net operating income	$1,361,000	4,002
Securities gains (losses)	$2,000	2,008
Applicable income taxes	$492,000	2,976
Income before extraordinary items	$871,000	4,538
Extraordinary gains, net	$0	35
Net income	$871,000	4,538
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,608
Cash dividends	$141,000	4,436
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$869,720	4,505
2005-06-30 (YTD Data)		Rank
Total interest income	$5,087,000	2,991
Total interest expense	$1,446,000	3,139
Net interest income	$3,641,000	2,898
Provision for loan and lease losses	$120,000	3,004
Total noninterest income	$293,000	4,852
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$113,000	4,773
Trading account gains and fees	$0	116
Additional Noninterest Income	$180,000	3,941
Total noninterest expense	$3,119,000	2,605
Salaries and employee benefits	$1,633,000	2,714
Premises and equipment expense	$558,000	2,117
Additional noninterest expense	$928,000	2,626
Pre-tax net operating income	$695,000	4,646
Securities gains (losses)	$0	2,146
Applicable income taxes	$267,000	3,310
Income before extraordinary items	$428,000	5,279
Extraordinary gains, net	$0	30
Net income	$428,000	5,281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,782
Cash dividends	$89,000	4,405
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$428,000	5,236
2005-03-31 (YTD Data)		Rank
Total interest income	$1,565,000	4,347
Total interest expense	$426,000	4,479
Net interest income	$1,139,000	4,224
Provision for loan and lease losses	$40,000	3,596
Total noninterest income	$81,000	6,145
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$32,000	5,874
Trading account gains and fees	$0	115
Additional Noninterest Income	$49,000	5,227
Total noninterest expense	$1,029,000	3,763
Salaries and employee benefits	$514,000	4,010
Premises and equipment expense	$230,000	2,542
Additional noninterest expense	$285,000	3,961
Pre-tax net operating income	$151,000	6,551
Securities gains (losses)	$0	1,685
Applicable income taxes	$65,000	4,405
Income before extraordinary items	$86,000	7,129
Extraordinary gains, net	$0	24
Net income	$86,000	7,129
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$41,000	3,522
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$86,000	7,101
2004-12-31 (YTD Data)		Rank
Total interest income	$8,926,000	3,122
Total interest expense	$2,189,000	3,385
Net interest income	$6,737,000	2,995
Provision for loan and lease losses	$240,000	3,319
Total noninterest income	$559,000	4,993
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$228,000	4,935
Trading account gains and fees	$0	138
Additional Noninterest Income	$331,000	4,080
Total noninterest expense	$5,864,000	2,707
Salaries and employee benefits	$3,092,000	2,771
Premises and equipment expense	$1,016,000	2,254
Additional noninterest expense	$1,756,000	2,717
Pre-tax net operating income	$1,192,000	4,813
Securities gains (losses)	$0	3,819
Applicable income taxes	$227,000	4,588
Income before extraordinary items	$965,000	4,791
Extraordinary gains, net	$0	34
Net income	$965,000	4,791
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	6,475
Cash dividends	$134,000	5,268
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$965,000	4,729
2004-09-30 (YTD Data)		Rank
Total interest income	$6,573,000	3,144
Total interest expense	$1,566,000	3,484
Net interest income	$5,007,000	2,994
Provision for loan and lease losses	$180,000	3,152
Total noninterest income	$443,000	4,880
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$171,000	4,982
Trading account gains and fees	$0	134
Additional Noninterest Income	$272,000	3,913
Total noninterest expense	$4,316,000	2,719
Salaries and employee benefits	$2,267,000	2,796
Premises and equipment expense	$717,000	2,375
Additional noninterest expense	$1,332,000	2,650
Pre-tax net operating income	$954,000	4,713
Securities gains (losses)	$0	3,710
Applicable income taxes	$239,000	4,159
Income before extraordinary items	$715,000	4,899
Extraordinary gains, net	$0	26
Net income	$715,000	4,900
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,881
Cash dividends	$97,000	4,665
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$715,000	4,812
2004-06-30 (YTD Data)		Rank
Total interest income	$4,294,000	3,194
Total interest expense	$996,000	3,610
Net interest income	$3,298,000	3,027
Provision for loan and lease losses	$120,000	3,090
Total noninterest income	$301,000	4,821
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$113,000	4,994
Trading account gains and fees	$0	130
Additional Noninterest Income	$188,000	3,858
Total noninterest expense	$2,763,000	2,829
Salaries and employee benefits	$1,438,000	2,948
Premises and equipment expense	$459,000	2,456
Additional noninterest expense	$866,000	2,718
Pre-tax net operating income	$716,000	4,403
Securities gains (losses)	$0	3,413
Applicable income taxes	$232,000	3,513
Income before extraordinary items	$484,000	4,812
Extraordinary gains, net	$0	21
Net income	$484,000	4,813
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	5,183
Cash dividends	$62,000	4,559
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$484,000	4,720
2004-03-31 (YTD Data)		Rank
Total interest income	$2,126,000	3,225
Total interest expense	$498,000	3,655
Net interest income	$1,628,000	3,043
Provision for loan and lease losses	$60,000	2,918
Total noninterest income	$159,000	4,637
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$56,000	4,941
Trading account gains and fees	$0	121
Additional Noninterest Income	$103,000	3,651
Total noninterest expense	$1,332,000	2,918
Salaries and employee benefits	$693,000	3,048
Premises and equipment expense	$250,000	2,311
Additional noninterest expense	$389,000	2,999
Pre-tax net operating income	$395,000	4,116
Securities gains (losses)	$0	2,934
Applicable income taxes	$146,000	3,143
Income before extraordinary items	$249,000	4,769
Extraordinary gains, net	$0	16
Net income	$249,000	4,768
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$30,000	3,573
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$249,000	4,648
2003-12-31 (YTD Data)		Rank
Total interest income	$8,872,000	3,153
Total interest expense	$2,438,000	3,404
Net interest income	$6,434,000	2,989
Provision for loan and lease losses	$240,000	3,615
Total noninterest income	$602,000	4,961
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$228,000	4,971
Trading account gains and fees	$0	160
Additional Noninterest Income	$374,000	4,091
Total noninterest expense	$5,139,000	2,985
Salaries and employee benefits	$2,755,000	2,992
Premises and equipment expense	$896,000	2,490
Additional noninterest expense	$1,488,000	3,101
Pre-tax net operating income	$1,657,000	3,854
Securities gains (losses)	$-9,000	8,769
Applicable income taxes	$641,000	2,941
Income before extraordinary items	$1,007,000	4,626
Extraordinary gains, net	$0	54
Net income	$1,007,000	4,627
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,310
Cash dividends	$186,000	5,017
Sale, conversion, retirement of capital stock, net	$3,000,000	273
Net operating income	$1,012,760	4,441
2003-09-30 (YTD Data)		Rank
Total interest income	$6,712,000	3,164
Total interest expense	$1,884,000	3,442
Net interest income	$4,828,000	3,001
Provision for loan and lease losses	$180,000	3,498
Total noninterest income	$490,000	4,796
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$167,000	5,048
Trading account gains and fees	$0	153
Additional Noninterest Income	$323,000	3,918
Total noninterest expense	$3,864,000	2,976
Salaries and employee benefits	$2,074,000	2,991
Premises and equipment expense	$664,000	2,537
Additional noninterest expense	$1,126,000	3,071
Pre-tax net operating income	$1,274,000	3,908
Securities gains (losses)	$-12,000	8,961
Applicable income taxes	$512,000	2,980
Income before extraordinary items	$750,000	4,771
Extraordinary gains, net	$0	40
Net income	$750,000	4,772
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,699
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$757,680	4,569
2003-06-30 (YTD Data)		Rank
Total interest income	$4,419,000	3,217
Total interest expense	$1,297,000	3,449
Net interest income	$3,122,000	3,070
Provision for loan and lease losses	$120,000	3,448
Total noninterest income	$323,000	4,791
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$104,000	5,180
Trading account gains and fees	$0	150
Additional Noninterest Income	$219,000	3,875
Total noninterest expense	$2,541,000	3,007
Salaries and employee benefits	$1,376,000	3,011
Premises and equipment expense	$405,000	2,730
Additional noninterest expense	$760,000	3,002
Pre-tax net operating income	$784,000	4,110
Securities gains (losses)	$-10,000	9,045
Applicable income taxes	$315,000	3,153
Income before extraordinary items	$459,000	5,024
Extraordinary gains, net	$0	30
Net income	$459,000	5,024
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,334
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$465,400	4,783
2003-03-31 (YTD Data)		Rank
Total interest income	$2,209,000	3,235
Total interest expense	$662,000	3,469
Net interest income	$1,547,000	3,091
Provision for loan and lease losses	$60,000	3,248
Total noninterest income	$160,000	4,727
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$54,000	5,010
Trading account gains and fees	$0	134
Additional Noninterest Income	$106,000	3,823
Total noninterest expense	$1,233,000	3,067
Salaries and employee benefits	$652,000	3,133
Premises and equipment expense	$219,000	2,553
Additional noninterest expense	$362,000	3,103
Pre-tax net operating income	$414,000	3,960
Securities gains (losses)	$-10,000	9,157
Applicable income taxes	$165,000	3,046
Income before extraordinary items	$239,000	4,830
Extraordinary gains, net	$0	21
Net income	$239,000	4,830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	4,155
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$245,400	4,575
2002-12-31 (YTD Data)		Rank
Total interest income	$8,655,000	3,415
Total interest expense	$2,819,000	3,720
Net interest income	$5,836,000	3,219
Provision for loan and lease losses	$210,000	4,243
Total noninterest income	$553,000	4,938
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$190,000	5,314
Trading account gains and fees	$0	153
Additional Noninterest Income	$363,000	3,864
Total noninterest expense	$4,606,000	3,161
Salaries and employee benefits	$2,416,000	3,204
Premises and equipment expense	$724,000	2,916
Additional noninterest expense	$1,466,000	3,002
Pre-tax net operating income	$1,573,000	3,990
Securities gains (losses)	$-102,000	9,134
Applicable income taxes	$605,000	3,105
Income before extraordinary items	$866,000	4,981
Extraordinary gains, net	$0	70
Net income	$866,000	4,982
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,669
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$931,280	4,659
2001-12-31 (YTD Data)		Rank
Total interest income	$8,116,000	3,977
Total interest expense	$3,515,000	4,196
Net interest income	$4,601,000	3,678
Provision for loan and lease losses	$180,000	4,345
Total noninterest income	$462,000	5,282
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$190,000	5,285
Trading account gains and fees	$0	177
Additional Noninterest Income	$272,000	4,321
Total noninterest expense	$4,123,000	3,343
Salaries and employee benefits	$2,099,000	3,455
Premises and equipment expense	$621,000	3,279
Additional noninterest expense	$1,403,000	3,054
Pre-tax net operating income	$760,000	5,623
Securities gains (losses)	$-19,000	9,370
Applicable income taxes	$287,000	4,355
Income before extraordinary items	$454,000	6,288
Extraordinary gains, net	$0	105
Net income	$454,000	6,290
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	5,044
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$466,160	6,110
2000-12-31 (YTD Data)		Rank
Total interest income	$7,337,000	4,416
Total interest expense	$3,177,000	4,707
Net interest income	$4,160,000	4,045
Provision for loan and lease losses	$180,000	3,942
Total noninterest income	$393,000	5,573
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$133,000	6,004
Trading account gains and fees	NA	NA
Additional Noninterest Income	$260,000	4,215
Total noninterest expense	$3,464,000	3,733
Salaries and employee benefits	$1,869,000	3,667
Premises and equipment expense	$525,000	3,644
Additional noninterest expense	$1,070,000	3,784
Pre-tax net operating income	$909,000	5,515
Securities gains (losses)	$22,000	930
Applicable income taxes	$351,000	4,266
Income before extraordinary items	$580,000	5,945
Extraordinary gains, net	$0	38
Net income	$580,000	5,943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,220
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$565,920	6,024
1999-12-31 (YTD Data)		Rank
Total interest income	$6,718,000	4,562
Total interest expense	$3,057,000	4,531
Net interest income	$3,661,000	4,502
Provision for loan and lease losses	$180,000	3,760
Total noninterest income	$394,000	5,670
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$110,000	6,532
Trading account gains and fees	NA	NA
Additional Noninterest Income	$284,000	4,136
Total noninterest expense	$3,106,000	4,095
Salaries and employee benefits	$1,538,000	4,246
Premises and equipment expense	$419,000	4,366
Additional noninterest expense	$1,149,000	3,580
Pre-tax net operating income	$769,000	6,053
Securities gains (losses)	$74,000	848
Applicable income taxes	$320,000	4,668
Income before extraordinary items	$523,000	6,281
Extraordinary gains, net	$0	35
Net income	$523,000	6,279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	8,900
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$475,640	6,547
1998-12-31 (YTD Data)		Rank
Total interest income	$6,713,000	4,547
Total interest expense	$3,349,000	4,312
Net interest income	$3,364,000	4,742
Provision for loan and lease losses	$139,000	4,351
Total noninterest income	$409,000	5,541
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$92,000	7,021
Trading account gains and fees	NA	NA
Additional Noninterest Income	$317,000	3,898
Total noninterest expense	$3,328,000	3,767
Salaries and employee benefits	$1,473,000	4,298
Premises and equipment expense	$374,000	4,668
Additional noninterest expense	$1,481,000	2,814
Pre-tax net operating income	$306,000	8,357
Securities gains (losses)	$269,000	784
Applicable income taxes	$212,000	6,057
Income before extraordinary items	$363,000	7,460
Extraordinary gains, net	$0	32
Net income	$363,000	7,459
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	4,731
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$190,840	8,617
1997-12-31 (YTD Data)		Rank
Total interest income	$6,323,000	4,856
Total interest expense	$3,179,000	4,475
Net interest income	$3,144,000	5,110
Provision for loan and lease losses	$77,000	5,729
Total noninterest income	$483,000	5,110
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	6,900
Trading account gains and fees	NA	NA
Additional Noninterest Income	$369,000	3,461
Total noninterest expense	$3,056,000	4,035
Salaries and employee benefits	$1,464,000	4,342
Premises and equipment expense	$441,000	4,106
Additional noninterest expense	$1,151,000	3,464
Pre-tax net operating income	$494,000	7,947
Securities gains (losses)	$26,000	1,720
Applicable income taxes	$187,000	7,077
Income before extraordinary items	$333,000	8,127
Extraordinary gains, net	$0	44
Net income	$333,000	8,130
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,963
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$316,360	8,209
1996-12-31 (YTD Data)		Rank
Total interest income	$6,128,000	5,101
Total interest expense	$3,144,000	4,583
Net interest income	$2,984,000	5,464
Provision for loan and lease losses	$140,000	4,234
Total noninterest income	$396,000	5,980
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$129,000	6,881
Trading account gains and fees	NA	NA
Additional Noninterest Income	$267,000	4,364
Total noninterest expense	$2,542,000	4,933
Salaries and employee benefits	$1,218,000	5,129
Premises and equipment expense	$402,000	4,517
Additional noninterest expense	$922,000	4,673
Pre-tax net operating income	$698,000	6,943
Securities gains (losses)	$13,000	2,310
Applicable income taxes	$260,000	6,310
Income before extraordinary items	$451,000	7,227
Extraordinary gains, net	$0	53
Net income	$451,000	7,230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,880
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$442,680	7,240
1995-12-31 (YTD Data)		Rank
Total interest income	$5,588,000	5,519
Total interest expense	$2,755,000	5,134
Net interest income	$2,833,000	5,756
Provision for loan and lease losses	$140,000	3,774
Total noninterest income	$418,000	5,820
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	$268,000	4,292
Total noninterest expense	$2,452,000	5,082
Salaries and employee benefits	$1,120,000	5,530
Premises and equipment expense	$375,000	4,785
Additional noninterest expense	$957,000	4,520
Pre-tax net operating income	$659,000	7,545
Securities gains (losses)	$8,000	2,536
Applicable income taxes	$294,000	6,080
Income before extraordinary items	$373,000	8,293
Extraordinary gains, net	$0	65
Net income	$373,000	8,294
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$169,000	2,784
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$367,880	8,316
1994-12-31 (YTD Data)		Rank
Total interest income	$4,961,000	5,706
Total interest expense	$2,068,000	5,468
Net interest income	$2,893,000	5,754
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$387,000	6,261
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$140,000	7,131
Trading account gains and fees	NA	NA
Additional Noninterest Income	$247,000	4,636
Total noninterest expense	$2,297,000	5,550
Salaries and employee benefits	$965,000	6,268
Premises and equipment expense	$273,000	6,120
Additional noninterest expense	$1,059,000	4,492
Pre-tax net operating income	$923,000	6,284
Securities gains (losses)	$-298,000	12,108
Applicable income taxes	$237,000	6,725
Income before extraordinary items	$388,000	8,292
Extraordinary gains, net	$0	249
Net income	$388,000	8,295
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	5,444
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$578,720	6,762
1993-12-31 (YTD Data)		Rank
Total interest income	$5,064,000	5,709
Total interest expense	$2,206,000	5,365
Net interest income	$2,858,000	5,866
Provision for loan and lease losses	$40,000	7,927
Total noninterest income	$320,000	7,375
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$117,000	7,920
Trading account gains and fees	NA	NA
Additional Noninterest Income	$203,000	5,628
Total noninterest expense	$2,113,000	6,064
Salaries and employee benefits	$813,000	7,246
Premises and equipment expense	$327,000	5,499
Additional noninterest expense	$973,000	5,035
Pre-tax net operating income	$1,025,000	5,798
Securities gains (losses)	$174,000	1,840
Applicable income taxes	$485,000	4,295
Income before extraordinary items	$714,000	6,029
Extraordinary gains, net	$36,000	2,367
Net income	$750,000	5,975
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	5,361
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$602,640	6,518
1992-12-31 (YTD Data)		Rank
Total interest income	$5,461,000	5,940
Total interest expense	$2,855,000	5,379
Net interest income	$2,606,000	6,397
Provision for loan and lease losses	$250,000	4,577
Total noninterest income	$239,000	8,691
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$119,000	7,968
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	7,446
Total noninterest expense	$1,889,000	6,685
Salaries and employee benefits	$716,000	7,867
Premises and equipment expense	$284,000	6,214
Additional noninterest expense	$889,000	5,584
Pre-tax net operating income	$706,000	7,061
Securities gains (losses)	$118,000	2,739
Applicable income taxes	$348,000	5,383
Income before extraordinary items	$476,000	7,536
Extraordinary gains, net	$0	1,422
Net income	$476,000	7,638
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	6,392
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$400,480	7,859

* 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.