Home > Blue Hills Bank > Income and Expense

Blue Hills Bank, Income and Expense

2019-03-31 (YTD Data)		Rank
Total interest income	$28,102,000	341
Total interest expense	$8,246,000	264
Net interest income	$19,856,000	372
Provision for loan and lease losses	$-1,927,000	5,349
Total noninterest income	$-8,079,000	5,359
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$409,000	732
Trading account gains and fees	$2,000	123
Additional Noninterest Income	$-8,490,000	5,368
Total noninterest expense	$22,125,000	301
Salaries and employee benefits	$15,460,000	248
Premises and equipment expense	$1,612,000	417
Additional noninterest expense	$5,053,000	382
Pre-tax net operating income	$-8,421,000	5,365
Securities gains (losses)	$-2,960,000	5,354
Applicable income taxes	$-8,563,000	5,361
Income before extraordinary items	$-2,818,000	5,350
Extraordinary gains, net	$0	5
Net income	$-2,818,000	5,350
Minority interest net income	$0	52
Net income of bank and minority interests.	$-2,818,000	5,350
Net charge-offs	$21,000	1,669
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$-479,600	5,308
2018-12-31 (YTD Data)		Rank
Total interest income	$103,424,000	347
Total interest expense	$26,668,000	248
Net interest income	$76,756,000	379
Provision for loan and lease losses	$-1,118,000	5,348
Total noninterest income	$13,457,000	552
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,971,000	644
Trading account gains and fees	$31,000	122
Additional Noninterest Income	$11,455,000	457
Total noninterest expense	$52,734,000	438
Salaries and employee benefits	$32,471,000	399
Premises and equipment expense	$6,425,000	416
Additional noninterest expense	$13,838,000	503
Pre-tax net operating income	$38,597,000	373
Securities gains (losses)	$134,000	261
Applicable income taxes	$10,148,000	308
Income before extraordinary items	$28,583,000	394
Extraordinary gains, net	$0	6
Net income	$28,583,000	394
Minority interest net income	$0	72
Net income of bank and minority interests.	$28,583,000	394
Net charge-offs	$424,000	1,064
Cash dividends	$10,000,000	415
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$28,477,140	397
2018-09-30 (YTD Data)		Rank
Total interest income	$75,707,000	353
Total interest expense	$18,901,000	246
Net interest income	$56,806,000	379
Provision for loan and lease losses	$-541,000	5,389
Total noninterest income	$11,036,000	520
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,436,000	656
Trading account gains and fees	$27,000	131
Additional Noninterest Income	$9,573,000	427
Total noninterest expense	$39,812,000	436
Salaries and employee benefits	$24,321,000	405
Premises and equipment expense	$4,815,000	416
Additional noninterest expense	$10,676,000	483
Pre-tax net operating income	$28,571,000	377
Securities gains (losses)	$322,000	161
Applicable income taxes	$7,826,000	302
Income before extraordinary items	$21,067,000	401
Extraordinary gains, net	$0	5
Net income	$21,067,000	400
Minority interest net income	$0	66
Net income of bank and minority interests.	$21,067,000	400
Net charge-offs	$416,000	814
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$20,812,620	406
2018-06-30 (YTD Data)		Rank
Total interest income	$49,094,000	357
Total interest expense	$11,752,000	245
Net interest income	$37,342,000	382
Provision for loan and lease losses	$-359,000	5,447
Total noninterest income	$7,128,000	538
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$900,000	694
Trading account gains and fees	$29,000	122
Additional Noninterest Income	$6,199,000	437
Total noninterest expense	$26,478,000	442
Salaries and employee benefits	$16,088,000	406
Premises and equipment expense	$3,196,000	418
Additional noninterest expense	$7,194,000	479
Pre-tax net operating income	$18,351,000	374
Securities gains (losses)	$384,000	121
Applicable income taxes	$5,035,000	301
Income before extraordinary items	$13,700,000	399
Extraordinary gains, net	$0	6
Net income	$13,700,000	398
Minority interest net income	$0	65
Net income of bank and minority interests.	$13,700,000	399
Net charge-offs	$393,000	610
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$13,396,640	407
2018-03-31 (YTD Data)		Rank
Total interest income	$23,947,000	364
Total interest expense	$5,589,000	238
Net interest income	$18,358,000	386
Provision for loan and lease losses	$-460,000	5,554
Total noninterest income	$3,968,000	491
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$420,000	740
Trading account gains and fees	$30,000	108
Additional Noninterest Income	$3,518,000	396
Total noninterest expense	$13,343,000	432
Salaries and employee benefits	$8,105,000	407
Premises and equipment expense	$1,665,000	408
Additional noninterest expense	$3,573,000	487
Pre-tax net operating income	$9,443,000	365
Securities gains (losses)	$-69,000	5,439
Applicable income taxes	$2,507,000	307
Income before extraordinary items	$6,867,000	396
Extraordinary gains, net	$0	7
Net income	$6,867,000	396
Minority interest net income	$0	52
Net income of bank and minority interests.	$6,867,000	396
Net charge-offs	$233,000	526
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$6,921,510	395
2017-12-31 (YTD Data)		Rank
Total interest income	$84,775,000	374
Total interest expense	$17,739,000	232
Net interest income	$67,036,000	394
Provision for loan and lease losses	$2,098,000	498
Total noninterest income	$17,171,000	475
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,697,000	742
Trading account gains and fees	$-55,000	2,047
Additional Noninterest Income	$15,529,000	375
Total noninterest expense	$52,195,000	434
Salaries and employee benefits	$30,087,000	414
Premises and equipment expense	$6,559,000	404
Additional noninterest expense	$15,549,000	450
Pre-tax net operating income	$29,914,000	400
Securities gains (losses)	$-94,000	5,396
Applicable income taxes	$11,678,000	362
Income before extraordinary items	$18,142,000	439
Extraordinary gains, net	$0	9
Net income	$18,142,000	437
Minority interest net income	$0	76
Net income of bank and minority interests.	$18,142,000	439
Net charge-offs	$-28,000	5,015
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$1,000	704
Net operating income	$18,202,160	431
2017-09-30 (YTD Data)		Rank
Total interest income	$61,898,000	382
Total interest expense	$12,658,000	238
Net interest income	$49,240,000	398
Provision for loan and lease losses	$1,418,000	528
Total noninterest income	$14,246,000	438
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$1,261,000	749
Trading account gains and fees	$-43,000	2,094
Additional Noninterest Income	$13,028,000	349
Total noninterest expense	$38,474,000	447
Salaries and employee benefits	$22,289,000	424
Premises and equipment expense	$4,926,000	409
Additional noninterest expense	$11,259,000	460
Pre-tax net operating income	$23,594,000	401
Securities gains (losses)	$-94,000	5,629
Applicable income taxes	$7,294,000	376
Income before extraordinary items	$16,206,000	422
Extraordinary gains, net	$0	9
Net income	$16,206,000	421
Minority interest net income	$0	71
Net income of bank and minority interests.	$16,206,000	422
Net charge-offs	$-80,000	5,282
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$1,000	670
Net operating income	$16,270,860	414
2017-06-30 (YTD Data)		Rank
Total interest income	$40,353,000	384
Total interest expense	$8,066,000	238
Net interest income	$32,287,000	404
Provision for loan and lease losses	$1,175,000	448
Total noninterest income	$11,419,000	384
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$785,000	781
Trading account gains and fees	$-43,000	2,195
Additional Noninterest Income	$10,677,000	301
Total noninterest expense	$25,609,000	451
Salaries and employee benefits	$14,590,000	437
Premises and equipment expense	$3,345,000	401
Additional noninterest expense	$7,674,000	460
Pre-tax net operating income	$16,922,000	380
Securities gains (losses)	$-94,000	5,700
Applicable income taxes	$4,766,000	383
Income before extraordinary items	$12,062,000	391
Extraordinary gains, net	$0	11
Net income	$12,062,000	390
Minority interest net income	$0	71
Net income of bank and minority interests.	$12,062,000	391
Net charge-offs	$9,000	2,932
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$1,000	652
Net operating income	$12,129,680	387
2017-03-31 (YTD Data)		Rank
Total interest income	$19,781,000	387
Total interest expense	$3,900,000	238
Net interest income	$15,881,000	411
Provision for loan and lease losses	$57,000	1,998
Total noninterest income	$7,836,000	309
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$381,000	803
Trading account gains and fees	$-37,000	2,366
Additional Noninterest Income	$7,492,000	235
Total noninterest expense	$12,796,000	453
Salaries and employee benefits	$7,238,000	447
Premises and equipment expense	$1,717,000	402
Additional noninterest expense	$3,841,000	458
Pre-tax net operating income	$10,864,000	317
Securities gains (losses)	$-1,022,000	5,846
Applicable income taxes	$1,981,000	421
Income before extraordinary items	$7,861,000	310
Extraordinary gains, net	$0	8
Net income	$7,861,000	311
Minority interest net income	$0	55
Net income of bank and minority interests.	$7,861,000	311
Net charge-offs	$-67,000	5,534
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$1,000	612
Net operating income	$8,678,600	276
2016-12-31 (YTD Data)		Rank
Total interest income	$69,538,000	405
Total interest expense	$12,575,000	264
Net interest income	$56,963,000	426
Provision for loan and lease losses	$4,885,000	265
Total noninterest income	$10,843,000	657
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$1,595,000	793
Trading account gains and fees	$563,000	98
Additional Noninterest Income	$8,685,000	566
Total noninterest expense	$49,265,000	453
Salaries and employee benefits	$27,462,000	445
Premises and equipment expense	$5,565,000	461
Additional noninterest expense	$16,238,000	437
Pre-tax net operating income	$13,656,000	695
Securities gains (losses)	$1,280,000	183
Applicable income taxes	$4,562,000	589
Income before extraordinary items	$10,374,000	743
Extraordinary gains, net	$0	5
Net income	$10,374,000	740
Minority interest net income	$0	82
Net income of bank and minority interests.	$10,374,000	742
Net charge-offs	$3,237,000	282
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$1,000	749
Net operating income	$9,490,800	777
2016-09-30 (YTD Data)		Rank
Total interest income	$50,104,000	416
Total interest expense	$9,092,000	266
Net interest income	$41,012,000	443
Provision for loan and lease losses	$3,958,000	237
Total noninterest income	$7,335,000	705
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,174,000	807
Trading account gains and fees	$-692,000	5,972
Additional Noninterest Income	$6,853,000	552
Total noninterest expense	$36,382,000	464
Salaries and employee benefits	$20,518,000	448
Premises and equipment expense	$3,829,000	496
Additional noninterest expense	$12,035,000	437
Pre-tax net operating income	$8,007,000	885
Securities gains (losses)	$982,000	207
Applicable income taxes	$3,326,000	613
Income before extraordinary items	$5,663,000	996
Extraordinary gains, net	$0	5
Net income	$5,663,000	996
Minority interest net income	$0	71
Net income of bank and minority interests.	$5,663,000	996
Net charge-offs	$3,330,000	207
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$5,034,520	1,083
2016-06-30 (YTD Data)		Rank
Total interest income	$32,420,000	423
Total interest expense	$5,902,000	269
Net interest income	$26,518,000	461
Provision for loan and lease losses	$1,086,000	477
Total noninterest income	$3,765,000	850
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$757,000	815
Trading account gains and fees	$-748,000	6,049
Additional Noninterest Income	$3,756,000	616
Total noninterest expense	$23,736,000	475
Salaries and employee benefits	$13,288,000	461
Premises and equipment expense	$2,485,000	512
Additional noninterest expense	$7,963,000	445
Pre-tax net operating income	$5,461,000	858
Securities gains (losses)	$420,000	319
Applicable income taxes	$2,027,000	645
Income before extraordinary items	$3,854,000	945
Extraordinary gains, net	$0	16
Net income	$3,854,000	944
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,854,000	944
Net charge-offs	$110,000	1,536
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$3,576,800	1,005
2016-03-31 (YTD Data)		Rank
Total interest income	$16,063,000	427
Total interest expense	$2,862,000	274
Net interest income	$13,201,000	460
Provision for loan and lease losses	$-27,000	5,925
Total noninterest income	$1,621,000	906
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$384,000	808
Trading account gains and fees	$-321,000	6,112
Additional Noninterest Income	$1,558,000	686
Total noninterest expense	$11,412,000	488
Salaries and employee benefits	$6,495,000	468
Premises and equipment expense	$1,261,000	511
Additional noninterest expense	$3,656,000	469
Pre-tax net operating income	$3,437,000	673
Securities gains (losses)	$-244,000	6,104
Applicable income taxes	$1,076,000	607
Income before extraordinary items	$2,117,000	845
Extraordinary gains, net	$0	12
Net income	$2,117,000	846
Minority interest net income	$0	62
Net income of bank and minority interests.	$2,117,000	846
Net charge-offs	$90,000	1,077
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,278,040	777
2015-12-31 (YTD Data)		Rank
Total interest income	$58,301,000	441
Total interest expense	$8,745,000	315
Net interest income	$49,556,000	459
Provision for loan and lease losses	$4,089,000	250
Total noninterest income	$6,710,000	917
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$1,601,000	801
Trading account gains and fees	$-137,000	6,165
Additional Noninterest Income	$5,246,000	794
Total noninterest expense	$42,240,000	504
Salaries and employee benefits	$21,682,000	524
Premises and equipment expense	$4,699,000	532
Additional noninterest expense	$15,859,000	441
Pre-tax net operating income	$9,937,000	900
Securities gains (losses)	$1,968,000	107
Applicable income taxes	$3,950,000	625
Income before extraordinary items	$7,955,000	900
Extraordinary gains, net	$0	23
Net income	$7,955,000	900
Minority interest net income	$0	81
Net income of bank and minority interests.	$7,955,000	900
Net charge-offs	$-40,000	5,506
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$1,000	794
Net operating income	$6,636,440	1,044
2015-09-30 (YTD Data)		Rank
Total interest income	$41,230,000	469
Total interest expense	$6,245,000	332
Net interest income	$34,985,000	486
Provision for loan and lease losses	$2,141,000	316
Total noninterest income	$4,531,000	999
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$1,198,000	809
Trading account gains and fees	$-344,000	6,259
Additional Noninterest Income	$3,677,000	843
Total noninterest expense	$30,313,000	526
Salaries and employee benefits	$15,432,000	559
Premises and equipment expense	$3,441,000	550
Additional noninterest expense	$11,440,000	454
Pre-tax net operating income	$7,062,000	947
Securities gains (losses)	$1,823,000	96
Applicable income taxes	$2,250,000	764
Income before extraordinary items	$6,635,000	817
Extraordinary gains, net	$0	21
Net income	$6,635,000	817
Minority interest net income	$0	78
Net income of bank and minority interests.	$6,635,000	817
Net charge-offs	$32,000	3,080
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$1,000	758
Net operating income	$5,267,750	979
2015-06-30 (YTD Data)		Rank
Total interest income	$25,812,000	491
Total interest expense	$4,033,000	340
Net interest income	$21,779,000	524
Provision for loan and lease losses	$823,000	500
Total noninterest income	$3,077,000	980
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$819,000	788
Trading account gains and fees	$-133,000	6,339
Additional Noninterest Income	$2,391,000	852
Total noninterest expense	$20,125,000	524
Salaries and employee benefits	$10,281,000	552
Premises and equipment expense	$2,259,000	563
Additional noninterest expense	$7,585,000	460
Pre-tax net operating income	$3,908,000	1,107
Securities gains (losses)	$1,585,000	90
Applicable income taxes	$1,327,000	840
Income before extraordinary items	$4,166,000	866
Extraordinary gains, net	$0	22
Net income	$4,166,000	866
Minority interest net income	$0	75
Net income of bank and minority interests.	$4,166,000	866
Net charge-offs	$18,000	3,008
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$1,000	732
Net operating income	$2,961,400	1,152
2015-03-31 (YTD Data)		Rank
Total interest income	$12,682,000	499
Total interest expense	$2,018,000	342
Net interest income	$10,664,000	534
Provision for loan and lease losses	$279,000	691
Total noninterest income	$866,000	1,418
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$332,000	930
Trading account gains and fees	$-234,000	6,412
Additional Noninterest Income	$768,000	1,125
Total noninterest expense	$10,057,000	531
Salaries and employee benefits	$5,081,000	565
Premises and equipment expense	$1,176,000	545
Additional noninterest expense	$3,800,000	448
Pre-tax net operating income	$1,194,000	1,603
Securities gains (losses)	$1,318,000	70
Applicable income taxes	$638,000	854
Income before extraordinary items	$1,874,000	917
Extraordinary gains, net	$0	13
Net income	$1,874,000	918
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,874,000	917
Net charge-offs	$13,000	2,364
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$885,500	1,708
2014-12-31 (YTD Data)		Rank
Total interest income	$49,273,000	504
Total interest expense	$6,898,000	405
Net interest income	$42,375,000	522
Provision for loan and lease losses	$3,380,000	289
Total noninterest income	$7,041,000	860
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,321,000	1,007
Trading account gains and fees	$-392,000	6,495
Additional Noninterest Income	$6,112,000	657
Total noninterest expense	$39,924,000	518
Salaries and employee benefits	$19,864,000	543
Premises and equipment expense	$3,727,000	660
Additional noninterest expense	$16,333,000	431
Pre-tax net operating income	$6,112,000	1,284
Securities gains (losses)	$2,515,000	93
Applicable income taxes	$2,655,000	799
Income before extraordinary items	$5,972,000	1,107
Extraordinary gains, net	$0	17
Net income	$5,972,000	1,106
Minority interest net income	$0	84
Net income of bank and minority interests.	$5,972,000	1,107
Net charge-offs	$78,000	3,413
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$137,100,000	6
Net operating income	$4,236,650	1,481
2014-09-30 (YTD Data)		Rank
Total interest income	$34,790,000	534
Total interest expense	$4,981,000	421
Net interest income	$29,809,000	554
Provision for loan and lease losses	$3,110,000	241
Total noninterest income	$5,181,000	868
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$972,000	1,029
Trading account gains and fees	$-215,000	6,572
Additional Noninterest Income	$4,424,000	678
Total noninterest expense	$30,016,000	514
Salaries and employee benefits	$15,042,000	540
Premises and equipment expense	$2,758,000	668
Additional noninterest expense	$12,216,000	425
Pre-tax net operating income	$1,864,000	2,638
Securities gains (losses)	$2,082,000	86
Applicable income taxes	$1,051,000	1,269
Income before extraordinary items	$2,895,000	1,636
Extraordinary gains, net	$0	15
Net income	$2,895,000	1,637
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,895,000	1,636
Net charge-offs	$60,000	3,115
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$137,100,000	5
Net operating income	$1,375,140	2,845
2014-06-30 (YTD Data)		Rank
Total interest income	$21,720,000	569
Total interest expense	$3,329,000	423
Net interest income	$18,391,000	596
Provision for loan and lease losses	$1,672,000	293
Total noninterest income	$2,155,000	1,218
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$1,112,000	604
Trading account gains and fees	$-252,000	6,643
Additional Noninterest Income	$1,295,000	1,207
Total noninterest expense	$20,502,000	508
Salaries and employee benefits	$10,341,000	528
Premises and equipment expense	$1,882,000	659
Additional noninterest expense	$8,279,000	418
Pre-tax net operating income	$-1,628,000	6,617
Securities gains (losses)	$1,732,000	76
Applicable income taxes	$-291,000	6,577
Income before extraordinary items	$395,000	4,330
Extraordinary gains, net	$0	20
Net income	$395,000	4,334
Minority interest net income	$0	80
Net income of bank and minority interests.	$395,000	4,335
Net charge-offs	$51,000	2,771
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$-1,337,000	6,597
2014-03-31 (YTD Data)		Rank
Total interest income	$10,168,000	611
Total interest expense	$1,656,000	428
Net interest income	$8,512,000	643
Provision for loan and lease losses	$714,000	333
Total noninterest income	$1,038,000	1,212
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$291,000	1,111
Trading account gains and fees	$-91,000	6,717
Additional Noninterest Income	$838,000	971
Total noninterest expense	$10,195,000	511
Salaries and employee benefits	$5,129,000	532
Premises and equipment expense	$916,000	699
Additional noninterest expense	$4,150,000	421
Pre-tax net operating income	$-1,359,000	6,704
Securities gains (losses)	$541,000	125
Applicable income taxes	$-432,000	6,697
Income before extraordinary items	$-386,000	6,605
Extraordinary gains, net	$0	16
Net income	$-386,000	6,605
Minority interest net income	$0	66
Net income of bank and minority interests.	$-386,000	6,605
Net charge-offs	$38,000	2,059
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$-732,240	6,662
2013-12-31 (YTD Data)		Rank
Total interest income	$33,077,000	749
Total interest expense	$7,972,000	387
Net interest income	$25,105,000	850
Provision for loan and lease losses	$4,094,000	325
Total noninterest income	$8,009,000	799
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$580,000	2,121
Trading account gains and fees	$598,000	87
Additional Noninterest Income	$6,831,000	640
Total noninterest expense	$31,598,000	658
Salaries and employee benefits	$16,901,000	643
Premises and equipment expense	$3,101,000	788
Additional noninterest expense	$11,596,000	598
Pre-tax net operating income	$-2,578,000	6,698
Securities gains (losses)	$4,999,000	61
Applicable income taxes	$-270,000	6,589
Income before extraordinary items	$2,691,000	2,065
Extraordinary gains, net	$0	29
Net income	$2,691,000	2,071
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,691,000	2,070
Net charge-offs	$-27,000	6,321
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$-2,308,000	6,679
2013-09-30 (YTD Data)		Rank
Total interest income	$23,069,000	807
Total interest expense	$6,176,000	385
Net interest income	$16,893,000	969
Provision for loan and lease losses	$3,092,000	325
Total noninterest income	$6,719,000	743
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$352,000	2,528
Trading account gains and fees	$558,000	85
Additional Noninterest Income	$5,809,000	589
Total noninterest expense	$22,647,000	685
Salaries and employee benefits	$11,743,000	701
Premises and equipment expense	$2,260,000	816
Additional noninterest expense	$8,644,000	606
Pre-tax net operating income	$-2,127,000	6,799
Securities gains (losses)	$5,630,000	52
Applicable income taxes	$197,000	2,808
Income before extraordinary items	$3,306,000	1,374
Extraordinary gains, net	$0	25
Net income	$3,306,000	1,376
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,306,000	1,376
Net charge-offs	$-39,000	6,408
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-1,986,200	6,791
2013-06-30 (YTD Data)		Rank
Total interest income	$15,126,000	821
Total interest expense	$4,196,000	385
Net interest income	$10,930,000	987
Provision for loan and lease losses	$1,956,000	374
Total noninterest income	$4,788,000	719
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$227,000	2,556
Trading account gains and fees	$362,000	82
Additional Noninterest Income	$4,199,000	563
Total noninterest expense	$15,052,000	688
Salaries and employee benefits	$7,794,000	708
Premises and equipment expense	$1,520,000	810
Additional noninterest expense	$5,738,000	603
Pre-tax net operating income	$-1,290,000	6,828
Securities gains (losses)	$4,376,000	51
Applicable income taxes	$407,000	1,725
Income before extraordinary items	$2,679,000	1,143
Extraordinary gains, net	$0	22
Net income	$2,679,000	1,144
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,679,000	1,145
Net charge-offs	$-116,000	6,709
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$-1,128,120	6,813
2013-03-31 (YTD Data)		Rank
Total interest income	$7,308,000	855
Total interest expense	$2,104,000	398
Net interest income	$5,204,000	1,050
Provision for loan and lease losses	$864,000	462
Total noninterest income	$1,184,000	1,193
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$112,000	2,582
Trading account gains and fees	$171,000	88
Additional Noninterest Income	$901,000	1,057
Total noninterest expense	$7,431,000	698
Salaries and employee benefits	$3,924,000	709
Premises and equipment expense	$799,000	774
Additional noninterest expense	$2,708,000	633
Pre-tax net operating income	$-1,907,000	6,977
Securities gains (losses)	$4,290,000	38
Applicable income taxes	$830,000	616
Income before extraordinary items	$1,553,000	979
Extraordinary gains, net	$0	10
Net income	$1,553,000	979
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,553,000	981
Net charge-offs	$20,000	3,086
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$-1,235,500	6,946
2012-12-31 (YTD Data)		Rank
Total interest income	$31,685,000	827
Total interest expense	$8,371,000	498
Net interest income	$23,314,000	934
Provision for loan and lease losses	$2,361,000	935
Total noninterest income	$4,606,000	1,210
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$447,000	2,717
Trading account gains and fees	$166,000	108
Additional Noninterest Income	$3,993,000	966
Total noninterest expense	$25,961,000	772
Salaries and employee benefits	$12,439,000	842
Premises and equipment expense	$2,743,000	874
Additional noninterest expense	$10,779,000	667
Pre-tax net operating income	$-402,000	6,460
Securities gains (losses)	$11,835,000	52
Applicable income taxes	$3,468,000	545
Income before extraordinary items	$7,965,000	754
Extraordinary gains, net	$0	29
Net income	$7,965,000	751
Minority interest net income	$0	93
Net income of bank and minority interests.	$7,965,000	754
Net charge-offs	$312,000	3,242
Cash dividends	$20,000,000	189
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$-319,500	6,451
2012-09-30 (YTD Data)		Rank
Total interest income	$22,996,000	866
Total interest expense	$6,271,000	526
Net interest income	$16,725,000	986
Provision for loan and lease losses	$1,250,000	1,232
Total noninterest income	$2,679,000	1,428
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$324,000	2,813
Trading account gains and fees	$-44,000	7,157
Additional Noninterest Income	$2,399,000	1,106
Total noninterest expense	$18,957,000	792
Salaries and employee benefits	$9,537,000	823
Premises and equipment expense	$2,037,000	892
Additional noninterest expense	$7,383,000	710
Pre-tax net operating income	$-803,000	6,774
Securities gains (losses)	$8,727,000	55
Applicable income taxes	$2,716,000	553
Income before extraordinary items	$5,208,000	878
Extraordinary gains, net	$0	20
Net income	$5,208,000	876
Minority interest net income	$0	86
Net income of bank and minority interests.	$5,208,000	878
Net charge-offs	$296,000	2,848
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$-551,820	6,724
2012-06-30 (YTD Data)		Rank
Total interest income	$14,654,000	912
Total interest expense	$4,225,000	545
Net interest income	$10,429,000	1,068
Provision for loan and lease losses	$426,000	1,996
Total noninterest income	$1,683,000	1,490
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$209,000	2,858
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,474,000	1,152
Total noninterest expense	$12,617,000	791
Salaries and employee benefits	$6,257,000	836
Premises and equipment expense	$1,364,000	887
Additional noninterest expense	$4,996,000	697
Pre-tax net operating income	$-931,000	6,955
Securities gains (losses)	$4,676,000	62
Applicable income taxes	$1,021,000	869
Income before extraordinary items	$2,724,000	1,109
Extraordinary gains, net	$0	19
Net income	$2,724,000	1,109
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,724,000	1,109
Net charge-offs	$26,000	4,477
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$-689,480	6,906
2012-03-31 (YTD Data)		Rank
Total interest income	$7,174,000	947
Total interest expense	$2,171,000	550
Net interest income	$5,003,000	1,110
Provision for loan and lease losses	$214,000	1,944
Total noninterest income	$990,000	1,335
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$103,000	2,869
Trading account gains and fees	$0	148
Additional Noninterest Income	$887,000	996
Total noninterest expense	$6,130,000	809
Salaries and employee benefits	$2,995,000	866
Premises and equipment expense	$623,000	973
Additional noninterest expense	$2,512,000	688
Pre-tax net operating income	$-351,000	6,974
Securities gains (losses)	$3,484,000	41
Applicable income taxes	$888,000	558
Income before extraordinary items	$2,245,000	681
Extraordinary gains, net	$0	19
Net income	$2,245,000	682
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,245,000	682
Net charge-offs	$-52,000	7,075
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$-263,480	6,920
2011-12-31 (YTD Data)		Rank
Total interest income	$31,972,000	872
Total interest expense	$8,938,000	650
Net interest income	$23,034,000	951
Provision for loan and lease losses	$726,000	2,879
Total noninterest income	$3,362,000	1,377
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$469,000	2,707
Trading account gains and fees	$0	146
Additional Noninterest Income	$2,893,000	1,065
Total noninterest expense	$20,989,000	940
Salaries and employee benefits	$9,354,000	1,055
Premises and equipment expense	$2,455,000	1,015
Additional noninterest expense	$9,180,000	781
Pre-tax net operating income	$4,681,000	1,243
Securities gains (losses)	$5,557,000	98
Applicable income taxes	$2,230,000	718
Income before extraordinary items	$8,008,000	643
Extraordinary gains, net	$0	29
Net income	$8,008,000	641
Minority interest net income	$0	96
Net income of bank and minority interests.	$8,008,000	643
Net charge-offs	$103,000	4,944
Cash dividends	$10,000,000	237
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$3,673,540	1,277
2011-09-30 (YTD Data)		Rank
Total interest income	$22,639,000	939
Total interest expense	$6,680,000	680
Net interest income	$15,959,000	1,044
Provision for loan and lease losses	$362,000	3,353
Total noninterest income	$2,719,000	1,315
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$449,000	2,264
Trading account gains and fees	$0	145
Additional Noninterest Income	$2,270,000	1,025
Total noninterest expense	$14,520,000	1,023
Salaries and employee benefits	$7,006,000	1,053
Premises and equipment expense	$2,012,000	945
Additional noninterest expense	$5,502,000	967
Pre-tax net operating income	$3,796,000	1,213
Securities gains (losses)	$694,000	490
Applicable income taxes	$1,161,000	964
Income before extraordinary items	$3,329,000	1,144
Extraordinary gains, net	$0	21
Net income	$3,329,000	1,144
Minority interest net income	$0	87
Net income of bank and minority interests.	$3,329,000	1,144
Net charge-offs	$99,000	4,446
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,815,440	1,298
2011-06-30 (YTD Data)		Rank
Total interest income	$14,930,000	964
Total interest expense	$4,383,000	723
Net interest income	$10,547,000	1,053
Provision for loan and lease losses	$252,000	3,228
Total noninterest income	$1,627,000	1,395
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$301,000	2,225
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,326,000	1,106
Total noninterest expense	$9,016,000	1,111
Salaries and employee benefits	$4,418,000	1,134
Premises and equipment expense	$1,288,000	993
Additional noninterest expense	$3,310,000	1,079
Pre-tax net operating income	$2,906,000	1,036
Securities gains (losses)	$75,000	1,328
Applicable income taxes	$867,000	858
Income before extraordinary items	$2,114,000	1,177
Extraordinary gains, net	$0	15
Net income	$2,114,000	1,177
Minority interest net income	$0	89
Net income of bank and minority interests.	$2,114,000	1,177
Net charge-offs	$-86,000	7,366
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$2,060,750	1,166
2011-03-31 (YTD Data)		Rank
Total interest income	$7,377,000	982
Total interest expense	$2,281,000	727
Net interest income	$5,096,000	1,084
Provision for loan and lease losses	$1,000	5,795
Total noninterest income	$713,000	1,554
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$149,000	2,201
Trading account gains and fees	$0	158
Additional Noninterest Income	$564,000	1,247
Total noninterest expense	$4,311,000	1,165
Salaries and employee benefits	$2,211,000	1,148
Premises and equipment expense	$570,000	1,156
Additional noninterest expense	$1,530,000	1,166
Pre-tax net operating income	$1,497,000	1,008
Securities gains (losses)	$11,000	1,280
Applicable income taxes	$478,000	779
Income before extraordinary items	$1,030,000	1,192
Extraordinary gains, net	$0	9
Net income	$1,030,000	1,192
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,030,000	1,192
Net charge-offs	$-108,000	7,453
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$1,022,520	1,170
2010-12-31 (YTD Data)		Rank
Total interest income	$33,915,000	899
Total interest expense	$12,104,000	654
Net interest income	$21,811,000	1,011
Provision for loan and lease losses	$636,000	3,753
Total noninterest income	$3,600,000	1,365
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$854,000	1,723
Trading account gains and fees	$0	175
Additional Noninterest Income	$2,746,000	1,128
Total noninterest expense	$17,692,000	1,131
Salaries and employee benefits	$6,222,000	1,570
Premises and equipment expense	$1,878,000	1,370
Additional noninterest expense	$9,592,000	786
Pre-tax net operating income	$7,083,000	761
Securities gains (losses)	$25,671,000	33
Applicable income taxes	$3,542,000	476
Income before extraordinary items	$29,212,000	197
Extraordinary gains, net	$0	29
Net income	$29,212,000	198
Minority interest net income	$0	111
Net income of bank and minority interests.	$29,212,000	198
Net charge-offs	$840,000	2,923
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$6,364,810	675
2010-09-30 (YTD Data)		Rank
Total interest income	$26,019,000	892
Total interest expense	$9,370,000	663
Net interest income	$16,649,000	999
Provision for loan and lease losses	$237,000	4,650
Total noninterest income	$2,542,000	1,410
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$690,000	1,667
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,852,000	1,169
Total noninterest expense	$10,236,000	1,452
Salaries and employee benefits	$4,367,000	1,679
Premises and equipment expense	$1,421,000	1,376
Additional noninterest expense	$4,448,000	1,212
Pre-tax net operating income	$8,718,000	492
Securities gains (losses)	$600,000	631
Applicable income taxes	$3,235,000	404
Income before extraordinary items	$6,083,000	568
Extraordinary gains, net	$0	23
Net income	$6,083,000	567
Minority interest net income	$0	110
Net income of bank and minority interests.	$6,083,000	568
Net charge-offs	$871,000	2,353
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$5,693,000	580
2010-06-30 (YTD Data)		Rank
Total interest income	$17,640,000	881
Total interest expense	$6,429,000	665
Net interest income	$11,211,000	985
Provision for loan and lease losses	$236,000	3,997
Total noninterest income	$1,653,000	1,415
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$492,000	1,587
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,161,000	1,171
Total noninterest expense	$6,498,000	1,521
Salaries and employee benefits	$2,598,000	1,882
Premises and equipment expense	$951,000	1,391
Additional noninterest expense	$2,949,000	1,202
Pre-tax net operating income	$6,130,000	446
Securities gains (losses)	$116,000	1,311
Applicable income taxes	$2,120,000	386
Income before extraordinary items	$4,126,000	533
Extraordinary gains, net	$0	19
Net income	$4,126,000	535
Minority interest net income	$0	105
Net income of bank and minority interests.	$4,126,000	535
Net charge-offs	$658,000	2,150
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$4,049,440	521
2010-03-31 (YTD Data)		Rank
Total interest income	$8,872,000	889
Total interest expense	$3,239,000	699
Net interest income	$5,633,000	994
Provision for loan and lease losses	$100,000	3,933
Total noninterest income	$753,000	1,503
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$248,000	1,576
Trading account gains and fees	$0	175
Additional Noninterest Income	$505,000	1,291
Total noninterest expense	$3,343,000	1,507
Salaries and employee benefits	$1,358,000	1,841
Premises and equipment expense	$478,000	1,431
Additional noninterest expense	$1,507,000	1,175
Pre-tax net operating income	$2,943,000	455
Securities gains (losses)	$19,000	1,545
Applicable income taxes	$855,000	430
Income before extraordinary items	$2,107,000	527
Extraordinary gains, net	$0	16
Net income	$2,107,000	529
Minority interest net income	$0	91
Net income of bank and minority interests.	$2,107,000	529
Net charge-offs	$3,000	5,292
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$2,093,510	511
2009-12-31 (YTD Data)		Rank
Total interest income	$40,117,000	834
Total interest expense	$17,858,000	638
Net interest income	$22,259,000	979
Provision for loan and lease losses	$1,246,000	3,161
Total noninterest income	$3,554,000	1,428
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,162,000	1,474
Trading account gains and fees	$0	211
Additional Noninterest Income	$2,392,000	1,213
Total noninterest expense	$13,479,000	1,533
Salaries and employee benefits	$6,224,000	1,598
Premises and equipment expense	$1,863,000	1,454
Additional noninterest expense	$5,392,000	1,382
Pre-tax net operating income	$11,088,000	370
Securities gains (losses)	$-2,243,000	7,818
Applicable income taxes	$3,456,000	358
Income before extraordinary items	$5,389,000	622
Extraordinary gains, net	$0	34
Net income	$5,389,000	622
Minority interest net income	$0	115
Net income of bank and minority interests.	$5,389,000	623
Net charge-offs	$165,000	5,218
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$6,824,520	489
2009-09-30 (YTD Data)		Rank
Total interest income	$31,036,000	823
Total interest expense	$14,386,000	632
Net interest income	$16,650,000	980
Provision for loan and lease losses	$938,000	2,874
Total noninterest income	$2,772,000	1,416
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$858,000	1,491
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,914,000	1,186
Total noninterest expense	$9,791,000	1,573
Salaries and employee benefits	$4,558,000	1,648
Premises and equipment expense	$1,418,000	1,443
Additional noninterest expense	$3,815,000	1,419
Pre-tax net operating income	$8,693,000	383
Securities gains (losses)	$-3,003,000	7,969
Applicable income taxes	$2,886,000	337
Income before extraordinary items	$2,804,000	967
Extraordinary gains, net	$0	27
Net income	$2,804,000	967
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,804,000	968
Net charge-offs	$159,000	4,540
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$4,725,920	565
2009-06-30 (YTD Data)		Rank
Total interest income	$21,506,000	814
Total interest expense	$10,339,000	618
Net interest income	$11,167,000	965
Provision for loan and lease losses	$629,000	2,637
Total noninterest income	$2,001,000	1,335
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$557,000	1,500
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,444,000	1,132
Total noninterest expense	$6,190,000	1,665
Salaries and employee benefits	$3,064,000	1,666
Premises and equipment expense	$969,000	1,445
Additional noninterest expense	$2,157,000	1,685
Pre-tax net operating income	$6,349,000	352
Securities gains (losses)	$-3,220,000	8,092
Applicable income taxes	$2,204,000	321
Income before extraordinary items	$925,000	1,973
Extraordinary gains, net	$0	21
Net income	$925,000	1,971
Minority interest net income	$0	112
Net income of bank and minority interests.	$925,000	1,972
Net charge-offs	$11,000	5,942
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$2,985,800	588
2009-03-31 (YTD Data)		Rank
Total interest income	$11,208,000	781
Total interest expense	$5,653,000	585
Net interest income	$5,555,000	966
Provision for loan and lease losses	$355,000	2,112
Total noninterest income	$1,124,000	1,165
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$279,000	1,473
Trading account gains and fees	$0	171
Additional Noninterest Income	$845,000	963
Total noninterest expense	$3,155,000	1,600
Salaries and employee benefits	$1,535,000	1,679
Premises and equipment expense	$482,000	1,474
Additional noninterest expense	$1,138,000	1,434
Pre-tax net operating income	$3,169,000	388
Securities gains (losses)	$-1,781,000	8,169
Applicable income taxes	$824,000	413
Income before extraordinary items	$564,000	1,903
Extraordinary gains, net	$0	15
Net income	$564,000	1,905
Minority interest net income	$0	102
Net income of bank and minority interests.	$564,000	1,905
Net charge-offs	$8,000	4,870
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,703,840	548
2008-12-31 (YTD Data)		Rank
Total interest income	$47,919,000	773
Total interest expense	$29,962,000	532
Net interest income	$17,957,000	1,234
Provision for loan and lease losses	$642,000	3,379
Total noninterest income	$2,978,000	1,581
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,328,000	1,356
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,650,000	1,493
Total noninterest expense	$12,044,000	1,632
Salaries and employee benefits	$5,842,000	1,741
Premises and equipment expense	$1,941,000	1,423
Additional noninterest expense	$4,261,000	1,455
Pre-tax net operating income	$8,249,000	670
Securities gains (losses)	$-27,257,000	8,242
Applicable income taxes	$-329,000	7,351
Income before extraordinary items	$-18,679,000	8,087
Extraordinary gains, net	$0	39
Net income	$-18,679,000	8,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$216,000	3,983
Cash dividends	$105,000	4,930
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$8,032,860	517
2008-09-30 (YTD Data)		Rank
Total interest income	$34,978,000	819
Total interest expense	$22,813,000	554
Net interest income	$12,165,000	1,390
Provision for loan and lease losses	$554,000	2,581
Total noninterest income	$2,457,000	1,521
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$982,000	1,388
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,475,000	1,374
Total noninterest expense	$8,711,000	1,670
Salaries and employee benefits	$4,348,000	1,784
Premises and equipment expense	$1,456,000	1,430
Additional noninterest expense	$2,907,000	1,538
Pre-tax net operating income	$5,357,000	943
Securities gains (losses)	$-22,956,000	8,330
Applicable income taxes	$-405,000	7,830
Income before extraordinary items	$-17,194,000	8,268
Extraordinary gains, net	$0	31
Net income	$-17,194,000	8,267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$202,000	3,048
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$5,302,880	721
2008-06-30 (YTD Data)		Rank
Total interest income	$22,825,000	856
Total interest expense	$15,586,000	552
Net interest income	$7,239,000	1,546
Provision for loan and lease losses	$465,000	1,997
Total noninterest income	$1,651,000	1,534
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$626,000	1,424
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,025,000	1,371
Total noninterest expense	$5,674,000	1,704
Salaries and employee benefits	$2,917,000	1,784
Premises and equipment expense	$972,000	1,426
Additional noninterest expense	$1,785,000	1,655
Pre-tax net operating income	$2,751,000	1,281
Securities gains (losses)	$-387,000	8,331
Applicable income taxes	$343,000	2,042
Income before extraordinary items	$2,021,000	1,370
Extraordinary gains, net	$0	21
Net income	$2,021,000	1,371
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$191,000	2,280
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$2,349,950	1,155
2008-03-31 (YTD Data)		Rank
Total interest income	$11,408,000	880
Total interest expense	$8,323,000	566
Net interest income	$3,085,000	1,815
Provision for loan and lease losses	$306,000	1,354
Total noninterest income	$722,000	1,705
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$294,000	1,480
Trading account gains and fees	$0	158
Additional Noninterest Income	$428,000	1,568
Total noninterest expense	$2,913,000	1,666
Salaries and employee benefits	$1,546,000	1,698
Premises and equipment expense	$483,000	1,438
Additional noninterest expense	$884,000	1,620
Pre-tax net operating income	$588,000	2,748
Securities gains (losses)	$-811,000	8,460
Applicable income taxes	$138,000	2,423
Income before extraordinary items	$-361,000	8,045
Extraordinary gains, net	$0	15
Net income	$-361,000	8,044
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$185,000	1,331
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$450,000	2,846
2007-12-31 (YTD Data)		Rank
Total interest income	$47,562,000	881
Total interest expense	$32,882,000	614
Net interest income	$14,680,000	1,548
Provision for loan and lease losses	$306,000	3,150
Total noninterest income	$2,807,000	1,725
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,115,000	1,605
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,692,000	1,538
Total noninterest expense	$10,932,000	1,691
Salaries and employee benefits	$5,673,000	1,776
Premises and equipment expense	$1,947,000	1,366
Additional noninterest expense	$3,312,000	1,683
Pre-tax net operating income	$6,249,000	1,346
Securities gains (losses)	$4,157,000	65
Applicable income taxes	$2,859,000	848
Income before extraordinary items	$7,547,000	853
Extraordinary gains, net	$0	39
Net income	$7,547,000	851
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$519,000	1,649
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$4,512,390	1,414
2007-09-30 (YTD Data)		Rank
Total interest income	$34,969,000	899
Total interest expense	$23,929,000	624
Net interest income	$11,040,000	1,553
Provision for loan and lease losses	$218,000	2,875
Total noninterest income	$2,085,000	1,734
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$806,000	1,638
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,279,000	1,529
Total noninterest expense	$8,202,000	1,679
Salaries and employee benefits	$4,183,000	1,810
Premises and equipment expense	$1,365,000	1,460
Additional noninterest expense	$2,654,000	1,526
Pre-tax net operating income	$4,705,000	1,441
Securities gains (losses)	$4,356,000	58
Applicable income taxes	$2,436,000	814
Income before extraordinary items	$6,625,000	792
Extraordinary gains, net	$0	33
Net income	$6,625,000	790
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$508,000	1,056
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$3,445,120	1,468
2007-06-30 (YTD Data)		Rank
Total interest income	$22,744,000	935
Total interest expense	$15,294,000	656
Net interest income	$7,450,000	1,552
Provision for loan and lease losses	$157,000	2,525
Total noninterest income	$1,365,000	1,787
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$515,000	1,711
Trading account gains and fees	$0	168
Additional Noninterest Income	$850,000	1,557
Total noninterest expense	$5,314,000	1,738
Salaries and employee benefits	$2,763,000	1,860
Premises and equipment expense	$917,000	1,456
Additional noninterest expense	$1,634,000	1,660
Pre-tax net operating income	$3,344,000	1,405
Securities gains (losses)	$1,172,000	102
Applicable income taxes	$1,204,000	1,107
Income before extraordinary items	$3,312,000	1,089
Extraordinary gains, net	$0	29
Net income	$3,312,000	1,088
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$486,000	722
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$2,456,440	1,417
2007-03-31 (YTD Data)		Rank
Total interest income	$11,209,000	937
Total interest expense	$7,402,000	665
Net interest income	$3,807,000	1,508
Provision for loan and lease losses	$138,000	1,598
Total noninterest income	$665,000	1,803
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$251,000	1,710
Trading account gains and fees	$0	195
Additional Noninterest Income	$414,000	1,552
Total noninterest expense	$2,581,000	1,789
Salaries and employee benefits	$1,360,000	1,892
Premises and equipment expense	$419,000	1,598
Additional noninterest expense	$802,000	1,674
Pre-tax net operating income	$1,753,000	1,339
Securities gains (losses)	$68,000	367
Applicable income taxes	$400,000	1,521
Income before extraordinary items	$1,421,000	1,242
Extraordinary gains, net	$0	22
Net income	$1,421,000	1,242
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,785
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$1,367,960	1,266
2006-12-31 (YTD Data)		Rank
Total interest income	$43,394,000	899
Total interest expense	$25,866,000	656
Net interest income	$17,528,000	1,299
Provision for loan and lease losses	$32,000	5,980
Total noninterest income	$2,069,000	2,169
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$596,000	2,694
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,473,000	1,695
Total noninterest expense	$10,186,000	1,752
Salaries and employee benefits	$5,457,000	1,789
Premises and equipment expense	$1,661,000	1,550
Additional noninterest expense	$3,068,000	1,723
Pre-tax net operating income	$9,379,000	1,044
Securities gains (losses)	$2,010,000	110
Applicable income taxes	$3,178,000	893
Income before extraordinary items	$8,211,000	919
Extraordinary gains, net	$0	51
Net income	$8,211,000	919
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,128
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$6,763,800	1,091
2006-09-30 (YTD Data)		Rank
Total interest income	$32,243,000	911
Total interest expense	$18,489,000	675
Net interest income	$13,754,000	1,248
Provision for loan and lease losses	$17,000	6,141
Total noninterest income	$1,398,000	2,341
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$332,000	3,344
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,066,000	1,743
Total noninterest expense	$7,470,000	1,782
Salaries and employee benefits	$3,927,000	1,856
Premises and equipment expense	$1,219,000	1,596
Additional noninterest expense	$2,324,000	1,692
Pre-tax net operating income	$7,665,000	1,002
Securities gains (losses)	$1,443,000	116
Applicable income taxes	$2,572,000	886
Income before extraordinary items	$6,536,000	899
Extraordinary gains, net	$0	45
Net income	$6,536,000	898
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$5,497,040	1,044
2006-06-30 (YTD Data)		Rank
Total interest income	$21,253,000	896
Total interest expense	$11,646,000	676
Net interest income	$9,607,000	1,180
Provision for loan and lease losses	$17,000	5,691
Total noninterest income	$962,000	2,284
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$238,000	3,170
Trading account gains and fees	$0	126
Additional Noninterest Income	$724,000	1,719
Total noninterest expense	$4,978,000	1,791
Salaries and employee benefits	$2,619,000	1,865
Premises and equipment expense	$804,000	1,607
Additional noninterest expense	$1,555,000	1,702
Pre-tax net operating income	$5,574,000	920
Securities gains (losses)	$466,000	170
Applicable income taxes	$1,690,000	899
Income before extraordinary items	$4,350,000	895
Extraordinary gains, net	$0	39
Net income	$4,350,000	896
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$4,014,480	937
2006-03-31 (YTD Data)		Rank
Total interest income	$10,499,000	883
Total interest expense	$5,546,000	669
Net interest income	$4,953,000	1,137
Provision for loan and lease losses	$2,000	5,907
Total noninterest income	$467,000	2,287
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$115,000	3,157
Trading account gains and fees	$0	115
Additional Noninterest Income	$352,000	1,721
Total noninterest expense	$2,447,000	1,813
Salaries and employee benefits	$1,284,000	1,913
Premises and equipment expense	$401,000	1,628
Additional noninterest expense	$762,000	1,722
Pre-tax net operating income	$2,971,000	855
Securities gains (losses)	$72,000	293
Applicable income taxes	$849,000	893
Income before extraordinary items	$2,194,000	871
Extraordinary gains, net	$0	21
Net income	$2,194,000	870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$2,142,160	869
2005-12-31 (YTD Data)		Rank
Total interest income	$37,561,000	867
Total interest expense	$17,324,000	661
Net interest income	$20,237,000	1,068
Provision for loan and lease losses	$230,000	3,342
Total noninterest income	$1,800,000	2,372
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$467,000	3,197
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,333,000	1,812
Total noninterest expense	$10,106,000	1,686
Salaries and employee benefits	$5,292,000	1,757
Premises and equipment expense	$1,741,000	1,404
Additional noninterest expense	$3,073,000	1,644
Pre-tax net operating income	$11,701,000	841
Securities gains (losses)	$1,842,000	149
Applicable income taxes	$3,714,000	819
Income before extraordinary items	$9,829,000	737
Extraordinary gains, net	$0	46
Net income	$9,829,000	739
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,381
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$8,484,340	841
2005-09-30 (YTD Data)		Rank
Total interest income	$27,562,000	862
Total interest expense	$12,238,000	667
Net interest income	$15,324,000	1,035
Provision for loan and lease losses	$147,000	3,532
Total noninterest income	$1,322,000	2,415
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$337,000	3,287
Trading account gains and fees	$0	126
Additional Noninterest Income	$985,000	1,838
Total noninterest expense	$7,462,000	1,687
Salaries and employee benefits	$3,833,000	1,807
Premises and equipment expense	$1,317,000	1,387
Additional noninterest expense	$2,312,000	1,614
Pre-tax net operating income	$9,037,000	816
Securities gains (losses)	$1,391,000	157
Applicable income taxes	$2,848,000	810
Income before extraordinary items	$7,580,000	716
Extraordinary gains, net	$0	35
Net income	$7,580,000	717
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,995
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$6,564,570	801
2005-06-30 (YTD Data)		Rank
Total interest income	$17,832,000	873
Total interest expense	$7,624,000	665
Net interest income	$10,208,000	1,022
Provision for loan and lease losses	$103,000	3,310
Total noninterest income	$943,000	2,276
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$218,000	3,307
Trading account gains and fees	$0	116
Additional Noninterest Income	$725,000	1,699
Total noninterest expense	$5,027,000	1,664
Salaries and employee benefits	$2,565,000	1,786
Premises and equipment expense	$913,000	1,322
Additional noninterest expense	$1,549,000	1,591
Pre-tax net operating income	$6,021,000	795
Securities gains (losses)	$889,000	165
Applicable income taxes	$1,694,000	873
Income before extraordinary items	$5,216,000	688
Extraordinary gains, net	$0	30
Net income	$5,216,000	688
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$4,549,250	761
2005-03-31 (YTD Data)		Rank
Total interest income	$8,656,000	880
Total interest expense	$3,621,000	664
Net interest income	$5,035,000	1,031
Provision for loan and lease losses	$103,000	2,011
Total noninterest income	$444,000	2,327
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$111,000	3,214
Trading account gains and fees	$0	115
Additional Noninterest Income	$333,000	1,763
Total noninterest expense	$2,446,000	1,717
Salaries and employee benefits	$1,268,000	1,819
Premises and equipment expense	$446,000	1,355
Additional noninterest expense	$732,000	1,682
Pre-tax net operating income	$2,930,000	808
Securities gains (losses)	$531,000	140
Applicable income taxes	$749,000	951
Income before extraordinary items	$2,712,000	659
Extraordinary gains, net	$0	24
Net income	$2,712,000	659
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$2,297,820	743
2004-12-31 (YTD Data)		Rank
Total interest income	$33,037,000	838
Total interest expense	$13,683,000	604
Net interest income	$19,354,000	1,031
Provision for loan and lease losses	$85,000	5,258
Total noninterest income	$3,694,000	1,367
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$575,000	2,803
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,119,000	951
Total noninterest expense	$9,817,000	1,658
Salaries and employee benefits	$4,882,000	1,802
Premises and equipment expense	$1,608,000	1,433
Additional noninterest expense	$3,327,000	1,494
Pre-tax net operating income	$13,146,000	690
Securities gains (losses)	$-467,000	8,868
Applicable income taxes	$3,220,000	854
Income before extraordinary items	$9,459,000	706
Extraordinary gains, net	$0	34
Net income	$9,459,000	707
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	5,856
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$9,809,250	658
2004-09-30 (YTD Data)		Rank
Total interest income	$24,517,000	837
Total interest expense	$10,121,000	597
Net interest income	$14,396,000	1,029
Provision for loan and lease losses	$82,000	4,684
Total noninterest income	$3,280,000	1,218
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$447,000	2,737
Trading account gains and fees	$0	134
Additional Noninterest Income	$2,833,000	840
Total noninterest expense	$7,112,000	1,695
Salaries and employee benefits	$3,421,000	1,909
Premises and equipment expense	$1,230,000	1,407
Additional noninterest expense	$2,461,000	1,493
Pre-tax net operating income	$10,482,000	656
Securities gains (losses)	$-452,000	8,968
Applicable income taxes	$2,502,000	853
Income before extraordinary items	$7,528,000	679
Extraordinary gains, net	$0	26
Net income	$7,528,000	680
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	5,248
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$7,867,000	623
2004-06-30 (YTD Data)		Rank
Total interest income	$16,061,000	850
Total interest expense	$6,505,000	612
Net interest income	$9,556,000	1,021
Provision for loan and lease losses	$79,000	3,939
Total noninterest income	$2,177,000	1,206
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$296,000	2,739
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,881,000	838
Total noninterest expense	$4,896,000	1,653
Salaries and employee benefits	$2,271,000	1,912
Premises and equipment expense	$927,000	1,239
Additional noninterest expense	$1,698,000	1,429
Pre-tax net operating income	$6,758,000	673
Securities gains (losses)	$-124,000	8,981
Applicable income taxes	$1,675,000	840
Income before extraordinary items	$4,959,000	677
Extraordinary gains, net	$0	21
Net income	$4,959,000	677
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	4,586
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$5,052,000	633
2004-03-31 (YTD Data)		Rank
Total interest income	$8,202,000	850
Total interest expense	$3,125,000	645
Net interest income	$5,077,000	969
Provision for loan and lease losses	$3,000	6,219
Total noninterest income	$473,000	2,242
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$151,000	2,665
Trading account gains and fees	$0	121
Additional Noninterest Income	$322,000	1,794
Total noninterest expense	$2,421,000	1,684
Salaries and employee benefits	$1,136,000	1,929
Premises and equipment expense	$509,000	1,158
Additional noninterest expense	$776,000	1,542
Pre-tax net operating income	$3,126,000	715
Securities gains (losses)	$2,000	2,612
Applicable income taxes	$1,010,000	726
Income before extraordinary items	$2,118,000	784
Extraordinary gains, net	$0	16
Net income	$2,118,000	784
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	3,994
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$2,116,640	734
2003-12-31 (YTD Data)		Rank
Total interest income	$28,927,000	973
Total interest expense	$13,973,000	635
Net interest income	$14,954,000	1,304
Provision for loan and lease losses	$-8,000	8,904
Total noninterest income	$1,756,000	2,543
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$540,000	2,926
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,216,000	2,103
Total noninterest expense	$8,622,000	1,839
Salaries and employee benefits	$4,413,000	1,945
Premises and equipment expense	$910,000	2,458
Additional noninterest expense	$3,299,000	1,499
Pre-tax net operating income	$8,096,000	1,028
Securities gains (losses)	$1,137,000	434
Applicable income taxes	$2,424,000	1,103
Income before extraordinary items	$6,809,000	946
Extraordinary gains, net	$0	54
Net income	$6,809,000	949
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,674
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$5,967,620	1,020
2003-09-30 (YTD Data)		Rank
Total interest income	$21,178,000	1,017
Total interest expense	$10,634,000	658
Net interest income	$10,544,000	1,401
Provision for loan and lease losses	$-70,000	9,115
Total noninterest income	$1,332,000	2,569
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$383,000	3,049
Trading account gains and fees	$0	153
Additional Noninterest Income	$949,000	2,124
Total noninterest expense	$6,069,000	1,964
Salaries and employee benefits	$3,107,000	2,059
Premises and equipment expense	$653,000	2,571
Additional noninterest expense	$2,309,000	1,592
Pre-tax net operating income	$5,877,000	1,104
Securities gains (losses)	$1,043,000	429
Applicable income taxes	$1,756,000	1,171
Income before extraordinary items	$5,164,000	972
Extraordinary gains, net	$0	40
Net income	$5,164,000	972
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,822
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$4,381,750	1,079
2003-06-30 (YTD Data)		Rank
Total interest income	$14,053,000	1,029
Total interest expense	$7,184,000	669
Net interest income	$6,869,000	1,421
Provision for loan and lease losses	$100,000	3,841
Total noninterest income	$899,000	2,531
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$230,000	3,273
Trading account gains and fees	$0	150
Additional Noninterest Income	$669,000	2,038
Total noninterest expense	$4,146,000	1,907
Salaries and employee benefits	$2,082,000	2,038
Premises and equipment expense	$471,000	2,378
Additional noninterest expense	$1,593,000	1,529
Pre-tax net operating income	$3,522,000	1,217
Securities gains (losses)	$174,000	1,130
Applicable income taxes	$936,000	1,440
Income before extraordinary items	$2,760,000	1,215
Extraordinary gains, net	$0	30
Net income	$2,760,000	1,215
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,782
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$2,629,500	1,175
2003-03-31 (YTD Data)		Rank
Total interest income	$6,918,000	1,064
Total interest expense	$3,596,000	676
Net interest income	$3,322,000	1,460
Provision for loan and lease losses	$100,000	2,353
Total noninterest income	$409,000	2,624
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$98,000	3,600
Trading account gains and fees	$0	134
Additional Noninterest Income	$311,000	2,061
Total noninterest expense	$1,998,000	1,961
Salaries and employee benefits	$1,018,000	2,072
Premises and equipment expense	$220,000	2,543
Additional noninterest expense	$760,000	1,558
Pre-tax net operating income	$1,633,000	1,308
Securities gains (losses)	$54,000	1,343
Applicable income taxes	$412,000	1,577
Income before extraordinary items	$1,275,000	1,299
Extraordinary gains, net	$0	21
Net income	$1,275,000	1,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,233,960	1,249
2002-12-31 (YTD Data)		Rank
Total interest income	$28,543,000	1,080
Total interest expense	$14,736,000	759
Net interest income	$13,807,000	1,415
Provision for loan and lease losses	$0	8,089
Total noninterest income	$1,794,000	2,328
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$459,000	3,188
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,335,000	1,812
Total noninterest expense	$7,731,000	1,951
Salaries and employee benefits	$3,777,000	2,115
Premises and equipment expense	$885,000	2,445
Additional noninterest expense	$3,069,000	1,546
Pre-tax net operating income	$7,870,000	1,078
Securities gains (losses)	$537,000	633
Applicable income taxes	$2,281,000	1,160
Income before extraordinary items	$6,126,000	1,023
Extraordinary gains, net	$0	70
Net income	$6,126,000	1,023
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,261
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$5,733,990	1,054
2001-12-31 (YTD Data)		Rank
Total interest income	$30,541,000	1,114
Total interest expense	$19,629,000	833
Net interest income	$10,912,000	1,633
Provision for loan and lease losses	$151,000	4,743
Total noninterest income	$1,662,000	2,324
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$340,000	3,842
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,322,000	1,686
Total noninterest expense	$7,369,000	1,949
Salaries and employee benefits	$3,310,000	2,266
Premises and equipment expense	$865,000	2,448
Additional noninterest expense	$3,194,000	1,455
Pre-tax net operating income	$5,054,000	1,421
Securities gains (losses)	$1,071,000	387
Applicable income taxes	$1,516,000	1,484
Income before extraordinary items	$4,609,000	1,174
Extraordinary gains, net	$-42,000	9,519
Net income	$4,567,000	1,187
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	8,710
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$3,805,750	1,367
2000-12-31 (YTD Data)		Rank
Total interest income	$28,056,000	1,263
Total interest expense	$17,250,000	1,027
Net interest income	$10,806,000	1,622
Provision for loan and lease losses	$67,000	6,062
Total noninterest income	$1,686,000	2,143
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$333,000	3,744
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,353,000	1,504
Total noninterest expense	$6,459,000	2,130
Salaries and employee benefits	$3,209,000	2,228
Premises and equipment expense	$771,000	2,662
Additional noninterest expense	$2,479,000	1,788
Pre-tax net operating income	$5,966,000	1,247
Securities gains (losses)	$1,978,000	94
Applicable income taxes	$2,014,000	1,145
Income before extraordinary items	$5,930,000	891
Extraordinary gains, net	$0	38
Net income	$5,930,000	891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	6,338
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$4,446,500	1,196
1999-12-31 (YTD Data)		Rank
Total interest income	$26,060,000	1,246
Total interest expense	$15,119,000	1,012
Net interest income	$10,941,000	1,584
Provision for loan and lease losses	$168,000	4,004
Total noninterest income	$1,852,000	1,960
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$275,000	4,242
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,577,000	1,353
Total noninterest expense	$6,387,000	2,131
Salaries and employee benefits	$3,188,000	2,201
Premises and equipment expense	$784,000	2,584
Additional noninterest expense	$2,415,000	1,824
Pre-tax net operating income	$6,238,000	1,231
Securities gains (losses)	$1,515,000	165
Applicable income taxes	$1,844,000	1,323
Income before extraordinary items	$5,909,000	944
Extraordinary gains, net	$0	35
Net income	$5,909,000	944
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,548
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$4,757,600	1,137
1998-12-31 (YTD Data)		Rank
Total interest income	$23,878,000	1,357
Total interest expense	$14,017,000	1,112
Net interest income	$9,861,000	1,734
Provision for loan and lease losses	$177,000	3,833
Total noninterest income	$1,499,000	2,269
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$281,000	4,131
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,218,000	1,609
Total noninterest expense	$6,568,000	1,994
Salaries and employee benefits	$2,948,000	2,288
Premises and equipment expense	$710,000	2,736
Additional noninterest expense	$2,910,000	1,490
Pre-tax net operating income	$4,615,000	1,606
Securities gains (losses)	$1,682,000	265
Applicable income taxes	$1,674,000	1,468
Income before extraordinary items	$4,623,000	1,159
Extraordinary gains, net	$0	32
Net income	$4,623,000	1,159
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,302
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$3,395,140	1,495
1997-12-31 (YTD Data)		Rank
Total interest income	$21,587,000	1,525
Total interest expense	$12,031,000	1,313
Net interest income	$9,556,000	1,824
Provision for loan and lease losses	$203,000	3,406
Total noninterest income	$1,563,000	2,124
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$309,000	3,978
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,254,000	1,503
Total noninterest expense	$5,851,000	2,200
Salaries and employee benefits	$3,705,000	1,764
Premises and equipment expense	$606,000	3,125
Additional noninterest expense	$1,540,000	2,671
Pre-tax net operating income	$5,065,000	1,527
Securities gains (losses)	$859,000	310
Applicable income taxes	$1,278,000	1,962
Income before extraordinary items	$4,646,000	1,183
Extraordinary gains, net	$0	44
Net income	$4,646,000	1,184
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,548
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$3,975,980	1,335
1996-12-31 (YTD Data)		Rank
Total interest income	$20,854,000	1,607
Total interest expense	$11,444,000	1,416
Net interest income	$9,410,000	1,898
Provision for loan and lease losses	$137,000	4,309
Total noninterest income	$804,000	3,693
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$301,000	4,214
Trading account gains and fees	$0	262
Additional Noninterest Income	$503,000	2,908
Total noninterest expense	$5,343,000	2,556
Salaries and employee benefits	$2,629,000	2,537
Premises and equipment expense	$624,000	3,086
Additional noninterest expense	$2,090,000	2,364
Pre-tax net operating income	$4,734,000	1,531
Securities gains (losses)	$681,000	342
Applicable income taxes	$1,517,000	1,583
Income before extraordinary items	$3,898,000	1,276
Extraordinary gains, net	$0	53
Net income	$3,898,000	1,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	4,441
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$3,407,680	1,409
1995-12-31 (YTD Data)		Rank
Total interest income	$19,179,000	1,771
Total interest expense	$10,595,000	1,527
Net interest income	$8,584,000	2,097
Provision for loan and lease losses	$223,000	2,821
Total noninterest income	$722,000	3,984
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$277,000	4,586
Trading account gains and fees	$0	522
Additional Noninterest Income	$445,000	3,096
Total noninterest expense	$4,935,000	2,750
Salaries and employee benefits	$2,407,000	2,771
Premises and equipment expense	$567,000	3,370
Additional noninterest expense	$1,961,000	2,436
Pre-tax net operating income	$4,148,000	1,777
Securities gains (losses)	$780,000	264
Applicable income taxes	$1,273,000	1,923
Income before extraordinary items	$3,655,000	1,423
Extraordinary gains, net	$0	65
Net income	$3,655,000	1,420
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,680
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$3,077,800	1,639
1994-12-31 (YTD Data)		Rank
Total interest income	$17,848,000	1,722
Total interest expense	$7,872,000	1,606
Net interest income	$9,976,000	1,814
Provision for loan and lease losses	$84,000	4,941
Total noninterest income	$1,442,000	2,367
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$260,000	4,896
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,182,000	1,644
Total noninterest expense	$6,109,000	2,303
Salaries and employee benefits	$2,261,000	2,932
Premises and equipment expense	$673,000	2,926
Additional noninterest expense	$3,175,000	1,721
Pre-tax net operating income	$5,225,000	1,409
Securities gains (losses)	$883,000	183
Applicable income taxes	$2,187,000	1,109
Income before extraordinary items	$3,921,000	1,284
Extraordinary gains, net	$0	249
Net income	$3,921,000	1,284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$699,000	1,091
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$3,355,880	1,486
1993-12-31 (YTD Data)		Rank
Total interest income	$18,541,000	1,681
Total interest expense	$7,895,000	1,667
Net interest income	$10,646,000	1,707
Provision for loan and lease losses	$122,000	5,164
Total noninterest income	$1,134,000	3,042
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$260,000	4,954
Trading account gains and fees	$0	532
Additional Noninterest Income	$874,000	2,244
Total noninterest expense	$5,154,000	2,773
Salaries and employee benefits	$2,242,000	2,934
Premises and equipment expense	$561,000	3,524
Additional noninterest expense	$2,351,000	2,374
Pre-tax net operating income	$6,504,000	1,080
Securities gains (losses)	$760,000	661
Applicable income taxes	$2,888,000	886
Income before extraordinary items	$4,376,000	1,175
Extraordinary gains, net	$175,000	1,102
Net income	$4,551,000	1,180
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	5,272
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$3,889,600	1,220
1992-12-31 (YTD Data)		Rank
Total interest income	$18,593,000	1,909
Total interest expense	$10,087,000	1,708
Net interest income	$8,506,000	2,139
Provision for loan and lease losses	$372,000	3,615
Total noninterest income	$814,000	3,927
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$238,000	5,314
Trading account gains and fees	$0	504
Additional Noninterest Income	$576,000	2,906
Total noninterest expense	$4,789,000	2,985
Salaries and employee benefits	$2,202,000	2,934
Premises and equipment expense	$535,000	3,750
Additional noninterest expense	$2,052,000	2,740
Pre-tax net operating income	$4,159,000	1,515
Securities gains (losses)	$963,000	669
Applicable income taxes	$1,940,000	1,153
Income before extraordinary items	$3,182,000	1,466
Extraordinary gains, net	$0	1,422
Net income	$3,182,000	1,476
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$137,000	5,121
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$2,565,680	1,638

* 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.