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Border Bank, Income and Expense

2020-09-30 (YTD Data)		Rank
Total interest income	$20,162,000	1,168
Total interest expense	$4,393,000	868
Net interest income	$15,769,000	1,211
Provision for loan and lease losses	$617,000	1,792
Total noninterest income	$3,489,000	1,291
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$420,000	1,487
Trading account gains and fees	$0	125
Additional Noninterest Income	$3,069,000	1,149
Total noninterest expense	$14,004,000	1,155
Salaries and employee benefits	$8,857,000	1,073
Premises and equipment expense	$1,933,000	956
Additional noninterest expense	$3,214,000	1,434
Pre-tax net operating income	$4,637,000	1,487
Securities gains (losses)	$70,000	1,380
Applicable income taxes	$13,000	3,422
Income before extraordinary items	$4,694,000	1,336
Extraordinary gains, net	$0	4
Net income	$4,694,000	1,336
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,694,000	1,336
Net charge-offs	$404,000	861
Cash dividends	$3,250,000	771
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$4,624,000	1,306
2020-06-30 (YTD Data)		Rank
Total interest income	$13,575,000	1,162
Total interest expense	$3,161,000	878
Net interest income	$10,414,000	1,228
Provision for loan and lease losses	$497,000	1,619
Total noninterest income	$1,825,000	1,442
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$295,000	1,448
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,530,000	1,301
Total noninterest expense	$8,984,000	1,176
Salaries and employee benefits	$5,788,000	1,082
Premises and equipment expense	$1,291,000	957
Additional noninterest expense	$1,905,000	1,568
Pre-tax net operating income	$2,758,000	1,564
Securities gains (losses)	$73,000	1,116
Applicable income taxes	$13,000	3,317
Income before extraordinary items	$2,818,000	1,378
Extraordinary gains, net	$0	4
Net income	$2,818,000	1,378
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,818,000	1,378
Net charge-offs	$415,000	665
Cash dividends	$1,250,000	1,119
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,745,000	1,373
2020-03-31 (YTD Data)		Rank
Total interest income	$6,820,000	1,164
Total interest expense	$1,710,000	899
Net interest income	$5,110,000	1,226
Provision for loan and lease losses	$121,000	1,809
Total noninterest income	$693,000	1,617
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$176,000	1,445
Trading account gains and fees	$0	106
Additional Noninterest Income	$517,000	1,489
Total noninterest expense	$4,410,000	1,208
Salaries and employee benefits	$2,855,000	1,111
Premises and equipment expense	$651,000	965
Additional noninterest expense	$904,000	1,646
Pre-tax net operating income	$1,272,000	1,513
Securities gains (losses)	$-12,000	4,820
Applicable income taxes	$13,000	3,058
Income before extraordinary items	$1,247,000	1,381
Extraordinary gains, net	$0	4
Net income	$1,247,000	1,380
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,247,000	1,381
Net charge-offs	$364,000	455
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,258,880	1,348
2019-12-31 (YTD Data)		Rank
Total interest income	$27,488,000	1,162
Total interest expense	$6,661,000	970
Net interest income	$20,827,000	1,212
Provision for loan and lease losses	$612,000	1,317
Total noninterest income	$3,092,000	1,539
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$808,000	1,328
Trading account gains and fees	$0	135
Additional Noninterest Income	$2,284,000	1,423
Total noninterest expense	$17,470,000	1,197
Salaries and employee benefits	$11,625,000	1,072
Premises and equipment expense	$2,562,000	965
Additional noninterest expense	$3,283,000	1,771
Pre-tax net operating income	$5,837,000	1,570
Securities gains (losses)	$52,000	1,227
Applicable income taxes	$10,000	3,663
Income before extraordinary items	$5,879,000	1,409
Extraordinary gains, net	$0	11
Net income	$5,879,000	1,411
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,879,000	1,411
Net charge-offs	$203,000	1,677
Cash dividends	$4,579,000	855
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$5,827,000	1,387
2019-09-30 (YTD Data)		Rank
Total interest income	$20,386,000	1,185
Total interest expense	$4,898,000	1,001
Net interest income	$15,488,000	1,234
Provision for loan and lease losses	$469,000	1,213
Total noninterest income	$2,188,000	1,590
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$612,000	1,322
Trading account gains and fees	$0	129
Additional Noninterest Income	$1,576,000	1,490
Total noninterest expense	$12,963,000	1,210
Salaries and employee benefits	$8,611,000	1,083
Premises and equipment expense	$1,831,000	995
Additional noninterest expense	$2,521,000	1,740
Pre-tax net operating income	$4,244,000	1,642
Securities gains (losses)	$17,000	1,491
Applicable income taxes	$10,000	3,684
Income before extraordinary items	$4,251,000	1,476
Extraordinary gains, net	$0	11
Net income	$4,251,000	1,477
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,251,000	1,478
Net charge-offs	$-296,000	5,124
Cash dividends	$2,500,000	1,002
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$4,234,000	1,448
2019-06-30 (YTD Data)		Rank
Total interest income	$13,282,000	1,197
Total interest expense	$3,095,000	1,012
Net interest income	$10,187,000	1,250
Provision for loan and lease losses	$326,000	1,152
Total noninterest income	$1,177,000	1,789
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$393,000	1,346
Trading account gains and fees	$0	131
Additional Noninterest Income	$784,000	1,734
Total noninterest expense	$8,499,000	1,238
Salaries and employee benefits	$5,604,000	1,101
Premises and equipment expense	$1,224,000	1,005
Additional noninterest expense	$1,671,000	1,766
Pre-tax net operating income	$2,539,000	1,772
Securities gains (losses)	$16,000	1,095
Applicable income taxes	$5,000	3,726
Income before extraordinary items	$2,550,000	1,574
Extraordinary gains, net	$0	11
Net income	$2,550,000	1,574
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,550,000	1,574
Net charge-offs	$-304,000	5,207
Cash dividends	$2,500,000	742
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,534,000	1,552
2019-03-31 (YTD Data)		Rank
Total interest income	$6,472,000	1,210
Total interest expense	$1,449,000	1,050
Net interest income	$5,023,000	1,262
Provision for loan and lease losses	$183,000	1,004
Total noninterest income	$624,000	1,686
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$186,000	1,405
Trading account gains and fees	$0	126
Additional Noninterest Income	$438,000	1,583
Total noninterest expense	$4,140,000	1,252
Salaries and employee benefits	$2,736,000	1,127
Premises and equipment expense	$608,000	1,014
Additional noninterest expense	$796,000	1,827
Pre-tax net operating income	$1,324,000	1,681
Securities gains (losses)	$16,000	623
Applicable income taxes	$2,000	3,681
Income before extraordinary items	$1,338,000	1,487
Extraordinary gains, net	$0	5
Net income	$1,338,000	1,486
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,338,000	1,486
Net charge-offs	$-14,000	4,769
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,322,000	1,474
2018-12-31 (YTD Data)		Rank
Total interest income	$24,137,000	1,217
Total interest expense	$4,201,000	1,088
Net interest income	$19,936,000	1,244
Provision for loan and lease losses	$418,000	1,623
Total noninterest income	$3,121,000	1,498
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$758,000	1,436
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,363,000	1,342
Total noninterest expense	$16,947,000	1,211
Salaries and employee benefits	$11,053,000	1,085
Premises and equipment expense	$2,489,000	980
Additional noninterest expense	$3,405,000	1,720
Pre-tax net operating income	$5,692,000	1,594
Securities gains (losses)	$2,000	956
Applicable income taxes	$10,000	3,744
Income before extraordinary items	$5,684,000	1,421
Extraordinary gains, net	$0	6
Net income	$5,684,000	1,420
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,684,000	1,420
Net charge-offs	$574,000	871
Cash dividends	$5,547,000	681
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$5,682,000	1,409
2018-09-30 (YTD Data)		Rank
Total interest income	$16,402,000	1,321
Total interest expense	$2,794,000	1,137
Net interest income	$13,608,000	1,343
Provision for loan and lease losses	$134,000	2,383
Total noninterest income	$2,444,000	1,471
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$513,000	1,573
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,931,000	1,286
Total noninterest expense	$11,605,000	1,306
Salaries and employee benefits	$7,684,000	1,149
Premises and equipment expense	$1,594,000	1,110
Additional noninterest expense	$2,327,000	1,858
Pre-tax net operating income	$4,313,000	1,584
Securities gains (losses)	$2,000	952
Applicable income taxes	$10,000	3,776
Income before extraordinary items	$4,305,000	1,410
Extraordinary gains, net	$0	5
Net income	$4,305,000	1,409
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,305,000	1,409
Net charge-offs	$520,000	699
Cash dividends	$2,500,000	894
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$4,303,000	1,396
2018-06-30 (YTD Data)		Rank
Total interest income	$10,647,000	1,342
Total interest expense	$1,668,000	1,191
Net interest income	$8,979,000	1,352
Provision for loan and lease losses	$89,000	2,331
Total noninterest income	$1,785,000	1,387
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$333,000	1,600
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,452,000	1,183
Total noninterest expense	$7,776,000	1,304
Salaries and employee benefits	$5,126,000	1,161
Premises and equipment expense	$1,023,000	1,157
Additional noninterest expense	$1,627,000	1,789
Pre-tax net operating income	$2,899,000	1,559
Securities gains (losses)	$0	961
Applicable income taxes	$7,000	3,766
Income before extraordinary items	$2,892,000	1,389
Extraordinary gains, net	$0	6
Net income	$2,892,000	1,388
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,892,000	1,388
Net charge-offs	$524,000	510
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,892,000	1,380
2018-03-31 (YTD Data)		Rank
Total interest income	$5,195,000	1,349
Total interest expense	$781,000	1,194
Net interest income	$4,414,000	1,361
Provision for loan and lease losses	$45,000	2,144
Total noninterest income	$622,000	1,757
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$159,000	1,655
Trading account gains and fees	$0	123
Additional Noninterest Income	$463,000	1,563
Total noninterest expense	$3,861,000	1,317
Salaries and employee benefits	$2,531,000	1,167
Premises and equipment expense	$543,000	1,107
Additional noninterest expense	$787,000	1,842
Pre-tax net operating income	$1,130,000	1,867
Securities gains (losses)	$0	735
Applicable income taxes	$2,000	3,795
Income before extraordinary items	$1,128,000	1,667
Extraordinary gains, net	$0	7
Net income	$1,128,000	1,667
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,128,000	1,667
Net charge-offs	$214,000	553
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,128,000	1,654
2017-12-31 (YTD Data)		Rank
Total interest income	$19,983,000	1,347
Total interest expense	$2,809,000	1,155
Net interest income	$17,174,000	1,369
Provision for loan and lease losses	$580,000	1,325
Total noninterest income	$2,311,000	1,857
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$695,000	1,578
Trading account gains and fees	$0	151
Additional Noninterest Income	$1,616,000	1,740
Total noninterest expense	$14,274,000	1,401
Salaries and employee benefits	$9,435,000	1,216
Premises and equipment expense	$1,869,000	1,245
Additional noninterest expense	$2,970,000	1,949
Pre-tax net operating income	$4,631,000	1,821
Securities gains (losses)	$28,000	1,181
Applicable income taxes	$10,000	3,888
Income before extraordinary items	$4,649,000	1,423
Extraordinary gains, net	$0	9
Net income	$4,649,000	1,421
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,649,000	1,423
Net charge-offs	$565,000	1,014
Cash dividends	$4,295,000	776
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$4,621,000	1,412
2017-09-30 (YTD Data)		Rank
Total interest income	$14,796,000	1,361
Total interest expense	$2,054,000	1,153
Net interest income	$12,742,000	1,390
Provision for loan and lease losses	$487,000	1,169
Total noninterest income	$1,771,000	1,850
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$517,000	1,594
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,254,000	1,713
Total noninterest expense	$10,591,000	1,414
Salaries and employee benefits	$7,048,000	1,228
Premises and equipment expense	$1,377,000	1,277
Additional noninterest expense	$2,166,000	1,993
Pre-tax net operating income	$3,435,000	1,863
Securities gains (losses)	$12,000	1,539
Applicable income taxes	$10,000	3,874
Income before extraordinary items	$3,437,000	1,540
Extraordinary gains, net	$0	9
Net income	$3,437,000	1,540
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,437,000	1,540
Net charge-offs	$-220,000	5,508
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,425,000	1,524
2017-06-30 (YTD Data)		Rank
Total interest income	$9,687,000	1,373
Total interest expense	$1,314,000	1,156
Net interest income	$8,373,000	1,402
Provision for loan and lease losses	$393,000	1,002
Total noninterest income	$1,327,000	1,721
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$333,000	1,621
Trading account gains and fees	$0	139
Additional Noninterest Income	$994,000	1,546
Total noninterest expense	$6,989,000	1,438
Salaries and employee benefits	$4,650,000	1,238
Premises and equipment expense	$930,000	1,268
Additional noninterest expense	$1,409,000	2,031
Pre-tax net operating income	$2,318,000	1,804
Securities gains (losses)	$2,000	1,641
Applicable income taxes	$7,000	3,897
Income before extraordinary items	$2,313,000	1,515
Extraordinary gains, net	$0	11
Net income	$2,313,000	1,515
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,313,000	1,515
Net charge-offs	$-16,000	4,936
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,311,000	1,503
2017-03-31 (YTD Data)		Rank
Total interest income	$4,791,000	1,385
Total interest expense	$639,000	1,166
Net interest income	$4,152,000	1,410
Provision for loan and lease losses	$300,000	670
Total noninterest income	$636,000	1,750
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$149,000	1,765
Trading account gains and fees	$0	142
Additional Noninterest Income	$487,000	1,546
Total noninterest expense	$3,433,000	1,462
Salaries and employee benefits	$2,258,000	1,280
Premises and equipment expense	$484,000	1,225
Additional noninterest expense	$691,000	2,065
Pre-tax net operating income	$1,055,000	1,892
Securities gains (losses)	$0	1,153
Applicable income taxes	$2,000	3,937
Income before extraordinary items	$1,053,000	1,605
Extraordinary gains, net	$0	8
Net income	$1,053,000	1,605
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,053,000	1,605
Net charge-offs	$-7,000	4,847
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,053,000	1,589
2016-12-31 (YTD Data)		Rank
Total interest income	$18,747,000	1,362
Total interest expense	$2,404,000	1,204
Net interest income	$16,343,000	1,385
Provision for loan and lease losses	$1,130,000	826
Total noninterest income	$2,730,000	1,755
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$690,000	1,636
Trading account gains and fees	$0	170
Additional Noninterest Income	$2,040,000	1,578
Total noninterest expense	$13,425,000	1,468
Salaries and employee benefits	$8,388,000	1,323
Premises and equipment expense	$2,191,000	1,083
Additional noninterest expense	$2,846,000	2,067
Pre-tax net operating income	$4,518,000	1,751
Securities gains (losses)	$71,000	1,599
Applicable income taxes	$10,000	3,999
Income before extraordinary items	$4,579,000	1,487
Extraordinary gains, net	$0	5
Net income	$4,579,000	1,486
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,579,000	1,486
Net charge-offs	$141,000	2,284
Cash dividends	$2,232,000	1,293
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,508,000	1,476
2016-09-30 (YTD Data)		Rank
Total interest income	$12,317,000	1,545
Total interest expense	$1,482,000	1,433
Net interest income	$10,835,000	1,553
Provision for loan and lease losses	$180,000	2,135
Total noninterest income	$2,028,000	1,761
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$492,000	1,703
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,536,000	1,571
Total noninterest expense	$8,517,000	1,698
Salaries and employee benefits	$5,548,000	1,466
Premises and equipment expense	$1,190,000	1,439
Additional noninterest expense	$1,779,000	2,412
Pre-tax net operating income	$4,166,000	1,509
Securities gains (losses)	$71,000	1,511
Applicable income taxes	$10,000	4,020
Income before extraordinary items	$4,227,000	1,276
Extraordinary gains, net	$0	5
Net income	$4,227,000	1,277
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,227,000	1,276
Net charge-offs	$-27,000	5,175
Cash dividends	$840,000	1,837
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$4,156,000	1,259
2016-06-30 (YTD Data)		Rank
Total interest income	$8,125,000	1,561
Total interest expense	$972,000	1,448
Net interest income	$7,153,000	1,569
Provision for loan and lease losses	$160,000	1,835
Total noninterest income	$1,540,000	1,595
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$317,000	1,733
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,223,000	1,360
Total noninterest expense	$5,647,000	1,716
Salaries and employee benefits	$3,677,000	1,481
Premises and equipment expense	$788,000	1,446
Additional noninterest expense	$1,182,000	2,431
Pre-tax net operating income	$2,886,000	1,440
Securities gains (losses)	$16,000	2,060
Applicable income taxes	$7,000	4,028
Income before extraordinary items	$2,895,000	1,231
Extraordinary gains, net	$0	16
Net income	$2,895,000	1,231
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,895,000	1,231
Net charge-offs	$-13,000	5,063
Cash dividends	$840,000	1,468
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,879,000	1,197
2016-03-31 (YTD Data)		Rank
Total interest income	$4,069,000	1,559
Total interest expense	$479,000	1,469
Net interest income	$3,590,000	1,567
Provision for loan and lease losses	$130,000	1,308
Total noninterest income	$472,000	2,148
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$152,000	1,784
Trading account gains and fees	$0	142
Additional Noninterest Income	$320,000	2,018
Total noninterest expense	$2,742,000	1,755
Salaries and employee benefits	$1,807,000	1,511
Premises and equipment expense	$405,000	1,421
Additional noninterest expense	$530,000	2,653
Pre-tax net operating income	$1,190,000	1,688
Securities gains (losses)	$14,000	1,386
Applicable income taxes	$2,000	4,104
Income before extraordinary items	$1,202,000	1,413
Extraordinary gains, net	$0	12
Net income	$1,202,000	1,413
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,202,000	1,414
Net charge-offs	$-18,000	5,431
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,188,000	1,394
2015-12-31 (YTD Data)		Rank
Total interest income	$15,849,000	1,560
Total interest expense	$1,783,000	1,534
Net interest income	$14,066,000	1,566
Provision for loan and lease losses	$180,000	2,436
Total noninterest income	$2,474,000	1,841
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$694,000	1,661
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,780,000	1,661
Total noninterest expense	$10,817,000	1,757
Salaries and employee benefits	$6,901,000	1,533
Premises and equipment expense	$1,515,000	1,522
Additional noninterest expense	$2,401,000	2,421
Pre-tax net operating income	$5,543,000	1,448
Securities gains (losses)	$14,000	2,423
Applicable income taxes	$10,000	4,095
Income before extraordinary items	$5,547,000	1,256
Extraordinary gains, net	$0	23
Net income	$5,547,000	1,256
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,547,000	1,256
Net charge-offs	$15,000	3,877
Cash dividends	$2,000,000	1,332
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$5,533,000	1,227
2015-09-30 (YTD Data)		Rank
Total interest income	$11,785,000	1,585
Total interest expense	$1,315,000	1,570
Net interest income	$10,470,000	1,582
Provision for loan and lease losses	$180,000	2,044
Total noninterest income	$1,982,000	1,768
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$517,000	1,682
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,465,000	1,556
Total noninterest expense	$8,166,000	1,750
Salaries and employee benefits	$5,217,000	1,534
Premises and equipment expense	$1,135,000	1,529
Additional noninterest expense	$1,814,000	2,400
Pre-tax net operating income	$4,106,000	1,492
Securities gains (losses)	$0	3,031
Applicable income taxes	$10,000	4,140
Income before extraordinary items	$4,096,000	1,271
Extraordinary gains, net	$0	21
Net income	$4,096,000	1,271
Minority interest net income	$0	78
Net income of bank and minority interests.	$4,096,000	1,271
Net charge-offs	$7,000	3,743
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$4,096,000	1,236
2015-06-30 (YTD Data)		Rank
Total interest income	$7,737,000	1,613
Total interest expense	$858,000	1,604
Net interest income	$6,879,000	1,608
Provision for loan and lease losses	$180,000	1,603
Total noninterest income	$1,367,000	1,722
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$329,000	1,721
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,038,000	1,518
Total noninterest expense	$5,431,000	1,764
Salaries and employee benefits	$3,486,000	1,537
Premises and equipment expense	$750,000	1,558
Additional noninterest expense	$1,195,000	2,438
Pre-tax net operating income	$2,635,000	1,522
Securities gains (losses)	$0	2,636
Applicable income taxes	$7,000	4,172
Income before extraordinary items	$2,628,000	1,293
Extraordinary gains, net	$0	22
Net income	$2,628,000	1,294
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,628,000	1,294
Net charge-offs	$1,000	3,770
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,628,000	1,270
2015-03-31 (YTD Data)		Rank
Total interest income	$3,816,000	1,633
Total interest expense	$422,000	1,638
Net interest income	$3,394,000	1,629
Provision for loan and lease losses	$135,000	1,198
Total noninterest income	$461,000	2,216
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$154,000	1,784
Trading account gains and fees	$0	152
Additional Noninterest Income	$307,000	2,092
Total noninterest expense	$2,735,000	1,756
Salaries and employee benefits	$1,704,000	1,577
Premises and equipment expense	$408,000	1,456
Additional noninterest expense	$623,000	2,340
Pre-tax net operating income	$985,000	1,886
Securities gains (losses)	$0	2,027
Applicable income taxes	$3,000	4,151
Income before extraordinary items	$982,000	1,633
Extraordinary gains, net	$0	13
Net income	$982,000	1,634
Minority interest net income	$0	64
Net income of bank and minority interests.	$982,000	1,635
Net charge-offs	$77,000	1,281
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$982,000	1,566
2014-12-31 (YTD Data)		Rank
Total interest income	$15,126,000	1,653
Total interest expense	$1,494,000	1,891
Net interest income	$13,632,000	1,621
Provision for loan and lease losses	$0	4,603
Total noninterest income	$1,432,000	2,587
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$752,000	1,659
Trading account gains and fees	$0	180
Additional Noninterest Income	$680,000	2,861
Total noninterest expense	$10,759,000	1,774
Salaries and employee benefits	$6,745,000	1,554
Premises and equipment expense	$1,569,000	1,511
Additional noninterest expense	$2,445,000	2,452
Pre-tax net operating income	$4,305,000	1,733
Securities gains (losses)	$1,000	3,149
Applicable income taxes	$11,000	4,190
Income before extraordinary items	$4,295,000	1,489
Extraordinary gains, net	$0	17
Net income	$4,295,000	1,486
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,295,000	1,488
Net charge-offs	$7,000	4,671
Cash dividends	$2,358,000	1,125
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,294,000	1,463
2014-09-30 (YTD Data)		Rank
Total interest income	$11,145,000	1,691
Total interest expense	$1,096,000	1,961
Net interest income	$10,049,000	1,659
Provision for loan and lease losses	$0	4,401
Total noninterest income	$1,240,000	2,387
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$562,000	1,668
Trading account gains and fees	$0	174
Additional Noninterest Income	$678,000	2,484
Total noninterest expense	$8,081,000	1,772
Salaries and employee benefits	$5,052,000	1,546
Premises and equipment expense	$1,180,000	1,512
Additional noninterest expense	$1,849,000	2,431
Pre-tax net operating income	$3,208,000	1,745
Securities gains (losses)	$0	2,980
Applicable income taxes	$11,000	4,170
Income before extraordinary items	$3,197,000	1,482
Extraordinary gains, net	$0	15
Net income	$3,197,000	1,482
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,197,000	1,482
Net charge-offs	$-190,000	6,332
Cash dividends	$2,358,000	817
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$3,197,000	1,463
2014-06-30 (YTD Data)		Rank
Total interest income	$7,315,000	1,705
Total interest expense	$728,000	1,983
Net interest income	$6,587,000	1,673
Provision for loan and lease losses	$0	4,196
Total noninterest income	$973,000	2,136
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$359,000	1,712
Trading account gains and fees	$0	172
Additional Noninterest Income	$614,000	2,021
Total noninterest expense	$5,348,000	1,778
Salaries and employee benefits	$3,344,000	1,560
Premises and equipment expense	$775,000	1,536
Additional noninterest expense	$1,229,000	2,429
Pre-tax net operating income	$2,212,000	1,672
Securities gains (losses)	$0	2,580
Applicable income taxes	$9,000	4,116
Income before extraordinary items	$2,203,000	1,415
Extraordinary gains, net	$0	20
Net income	$2,203,000	1,417
Minority interest net income	$0	80
Net income of bank and minority interests.	$2,203,000	1,417
Net charge-offs	$-265,000	6,497
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$2,203,000	1,390
2014-03-31 (YTD Data)		Rank
Total interest income	$3,695,000	1,686
Total interest expense	$371,000	1,992
Net interest income	$3,324,000	1,647
Provision for loan and lease losses	$0	3,817
Total noninterest income	$445,000	2,194
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$174,000	1,741
Trading account gains and fees	$0	147
Additional Noninterest Income	$271,000	2,151
Total noninterest expense	$2,646,000	1,794
Salaries and employee benefits	$1,640,000	1,594
Premises and equipment expense	$382,000	1,577
Additional noninterest expense	$624,000	2,397
Pre-tax net operating income	$1,123,000	1,606
Securities gains (losses)	$0	1,715
Applicable income taxes	$4,000	4,102
Income before extraordinary items	$1,119,000	1,359
Extraordinary gains, net	$0	16
Net income	$1,119,000	1,362
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,119,000	1,361
Net charge-offs	$-162,000	6,564
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,119,000	1,334
2013-12-31 (YTD Data)		Rank
Total interest income	$14,522,000	1,713
Total interest expense	$1,704,000	1,964
Net interest income	$12,818,000	1,682
Provision for loan and lease losses	$0	5,091
Total noninterest income	$1,697,000	2,394
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$762,000	1,716
Trading account gains and fees	$0	184
Additional Noninterest Income	$935,000	2,465
Total noninterest expense	$10,805,000	1,782
Salaries and employee benefits	$6,503,000	1,589
Premises and equipment expense	$1,436,000	1,640
Additional noninterest expense	$2,866,000	2,179
Pre-tax net operating income	$3,710,000	1,826
Securities gains (losses)	$62,000	1,647
Applicable income taxes	$5,000	4,396
Income before extraordinary items	$3,767,000	1,582
Extraordinary gains, net	$0	29
Net income	$3,767,000	1,586
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,767,000	1,586
Net charge-offs	$-257,000	6,659
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$3,705,000	1,563
2013-09-30 (YTD Data)		Rank
Total interest income	$10,816,000	1,735
Total interest expense	$1,298,000	1,984
Net interest income	$9,518,000	1,690
Provision for loan and lease losses	$0	4,941
Total noninterest income	$1,305,000	2,395
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$568,000	1,729
Trading account gains and fees	$0	180
Additional Noninterest Income	$737,000	2,445
Total noninterest expense	$7,908,000	1,815
Salaries and employee benefits	$4,764,000	1,633
Premises and equipment expense	$1,082,000	1,637
Additional noninterest expense	$2,062,000	2,244
Pre-tax net operating income	$2,915,000	1,777
Securities gains (losses)	$62,000	1,516
Applicable income taxes	$4,000	4,492
Income before extraordinary items	$2,973,000	1,520
Extraordinary gains, net	$0	25
Net income	$2,973,000	1,522
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,973,000	1,523
Net charge-offs	$-241,000	6,746
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,911,000	1,504
2013-06-30 (YTD Data)		Rank
Total interest income	$7,121,000	1,757
Total interest expense	$894,000	1,955
Net interest income	$6,227,000	1,717
Provision for loan and lease losses	$0	4,788
Total noninterest income	$725,000	2,709
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$367,000	1,750
Trading account gains and fees	$0	157
Additional Noninterest Income	$358,000	2,951
Total noninterest expense	$5,235,000	1,832
Salaries and employee benefits	$3,163,000	1,643
Premises and equipment expense	$724,000	1,641
Additional noninterest expense	$1,348,000	2,276
Pre-tax net operating income	$1,717,000	1,970
Securities gains (losses)	$64,000	1,370
Applicable income taxes	$3,000	4,453
Income before extraordinary items	$1,778,000	1,686
Extraordinary gains, net	$0	22
Net income	$1,778,000	1,690
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,778,000	1,691
Net charge-offs	$-378,000	6,867
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,714,000	1,663
2013-03-31 (YTD Data)		Rank
Total interest income	$3,582,000	1,761
Total interest expense	$462,000	1,957
Net interest income	$3,120,000	1,724
Provision for loan and lease losses	$0	4,409
Total noninterest income	$321,000	2,913
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$179,000	1,762
Trading account gains and fees	$0	148
Additional Noninterest Income	$142,000	3,257
Total noninterest expense	$2,625,000	1,847
Salaries and employee benefits	$1,549,000	1,698
Premises and equipment expense	$376,000	1,609
Additional noninterest expense	$700,000	2,221
Pre-tax net operating income	$816,000	2,005
Securities gains (losses)	$20,000	1,261
Applicable income taxes	$0	4,602
Income before extraordinary items	$836,000	1,708
Extraordinary gains, net	$0	10
Net income	$836,000	1,709
Minority interest net income	$0	76
Net income of bank and minority interests.	$836,000	1,710
Net charge-offs	$-176,000	6,898
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$816,000	1,678
2012-12-31 (YTD Data)		Rank
Total interest income	$14,757,000	1,785
Total interest expense	$2,473,000	1,771
Net interest income	$12,284,000	1,787
Provision for loan and lease losses	$37,000	5,348
Total noninterest income	$351,000	5,003
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$868,000	1,579
Trading account gains and fees	$0	166
Additional Noninterest Income	$-517,000	6,936
Total noninterest expense	$10,640,000	1,804
Salaries and employee benefits	$6,278,000	1,612
Premises and equipment expense	$1,390,000	1,694
Additional noninterest expense	$2,972,000	2,191
Pre-tax net operating income	$1,958,000	2,853
Securities gains (losses)	$219,000	1,617
Applicable income taxes	$5,000	4,499
Income before extraordinary items	$2,172,000	2,439
Extraordinary gains, net	$0	29
Net income	$2,172,000	2,439
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,172,000	2,440
Net charge-offs	$1,072,000	1,751
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,953,000	2,511
2012-09-30 (YTD Data)		Rank
Total interest income	$11,062,000	1,819
Total interest expense	$1,954,000	1,759
Net interest income	$9,108,000	1,828
Provision for loan and lease losses	$37,000	5,144
Total noninterest income	$501,000	4,006
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$656,000	1,595
Trading account gains and fees	$0	157
Additional Noninterest Income	$-155,000	6,959
Total noninterest expense	$8,009,000	1,794
Salaries and employee benefits	$4,716,000	1,606
Premises and equipment expense	$1,018,000	1,744
Additional noninterest expense	$2,275,000	2,140
Pre-tax net operating income	$1,563,000	2,802
Securities gains (losses)	$134,000	1,762
Applicable income taxes	$4,000	4,560
Income before extraordinary items	$1,693,000	2,439
Extraordinary gains, net	$0	20
Net income	$1,693,000	2,440
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,693,000	2,440
Net charge-offs	$794,000	1,685
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,559,000	2,444
2012-06-30 (YTD Data)		Rank
Total interest income	$7,289,000	1,847
Total interest expense	$1,397,000	1,711
Net interest income	$5,892,000	1,880
Provision for loan and lease losses	$27,000	4,992
Total noninterest income	$966,000	2,209
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$430,000	1,599
Trading account gains and fees	$0	153
Additional Noninterest Income	$536,000	2,245
Total noninterest expense	$6,062,000	1,604
Salaries and employee benefits	$3,139,000	1,610
Premises and equipment expense	$667,000	1,773
Additional noninterest expense	$2,256,000	1,501
Pre-tax net operating income	$769,000	3,359
Securities gains (losses)	$105,000	1,561
Applicable income taxes	$3,000	4,521
Income before extraordinary items	$871,000	2,861
Extraordinary gains, net	$0	19
Net income	$871,000	2,862
Minority interest net income	$0	84
Net income of bank and minority interests.	$871,000	2,862
Net charge-offs	$171,000	2,913
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$766,000	2,983
2012-03-31 (YTD Data)		Rank
Total interest income	$3,649,000	1,859
Total interest expense	$744,000	1,685
Net interest income	$2,905,000	1,909
Provision for loan and lease losses	$0	5,254
Total noninterest income	$453,000	2,304
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$203,000	1,667
Trading account gains and fees	$0	148
Additional Noninterest Income	$250,000	2,341
Total noninterest expense	$2,836,000	1,700
Salaries and employee benefits	$1,574,000	1,606
Premises and equipment expense	$335,000	1,764
Additional noninterest expense	$927,000	1,786
Pre-tax net operating income	$522,000	2,792
Securities gains (losses)	$0	2,210
Applicable income taxes	$1,000	4,577
Income before extraordinary items	$521,000	2,512
Extraordinary gains, net	$0	19
Net income	$521,000	2,514
Minority interest net income	$0	78
Net income of bank and minority interests.	$521,000	2,515
Net charge-offs	$-228,000	7,238
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$521,000	2,393
2011-12-31 (YTD Data)		Rank
Total interest income	$15,859,000	1,777
Total interest expense	$3,923,000	1,545
Net interest income	$11,936,000	1,855
Provision for loan and lease losses	$914,000	2,543
Total noninterest income	$1,757,000	2,199
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$924,000	1,575
Trading account gains and fees	$0	146
Additional Noninterest Income	$833,000	2,380
Total noninterest expense	$12,257,000	1,599
Salaries and employee benefits	$6,004,000	1,635
Premises and equipment expense	$1,340,000	1,861
Additional noninterest expense	$4,913,000	1,404
Pre-tax net operating income	$522,000	4,690
Securities gains (losses)	$134,000	1,808
Applicable income taxes	$5,000	4,437
Income before extraordinary items	$651,000	4,264
Extraordinary gains, net	$0	29
Net income	$651,000	4,266
Minority interest net income	$0	96
Net income of bank and minority interests.	$651,000	4,266
Net charge-offs	$1,482,000	1,892
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$518,340	4,496
2011-09-30 (YTD Data)		Rank
Total interest income	$11,999,000	1,786
Total interest expense	$3,037,000	1,556
Net interest income	$8,962,000	1,857
Provision for loan and lease losses	$1,076,000	1,875
Total noninterest income	$1,265,000	2,257
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$674,000	1,630
Trading account gains and fees	$0	145
Additional Noninterest Income	$591,000	2,445
Total noninterest expense	$8,812,000	1,653
Salaries and employee benefits	$4,446,000	1,654
Premises and equipment expense	$1,007,000	1,865
Additional noninterest expense	$3,359,000	1,532
Pre-tax net operating income	$339,000	4,978
Securities gains (losses)	$134,000	1,522
Applicable income taxes	$4,000	4,473
Income before extraordinary items	$469,000	4,425
Extraordinary gains, net	$0	21
Net income	$469,000	4,426
Minority interest net income	$0	87
Net income of bank and minority interests.	$469,000	4,426
Net charge-offs	$1,276,000	1,666
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$336,340	4,791
2011-06-30 (YTD Data)		Rank
Total interest income	$7,949,000	1,802
Total interest expense	$2,102,000	1,556
Net interest income	$5,847,000	1,891
Provision for loan and lease losses	$1,048,000	1,459
Total noninterest income	$785,000	2,344
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$433,000	1,661
Trading account gains and fees	$0	153
Additional Noninterest Income	$352,000	2,644
Total noninterest expense	$6,029,000	1,626
Salaries and employee benefits	$2,927,000	1,680
Premises and equipment expense	$672,000	1,887
Additional noninterest expense	$2,430,000	1,442
Pre-tax net operating income	$-445,000	6,757
Securities gains (losses)	$0	2,914
Applicable income taxes	$2,000	4,487
Income before extraordinary items	$-447,000	6,813
Extraordinary gains, net	$0	15
Net income	$-447,000	6,812
Minority interest net income	$0	89
Net income of bank and minority interests.	$-447,000	6,813
Net charge-offs	$1,345,000	1,216
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-447,000	6,803
2011-03-31 (YTD Data)		Rank
Total interest income	$4,041,000	1,780
Total interest expense	$1,086,000	1,567
Net interest income	$2,955,000	1,872
Provision for loan and lease losses	$148,000	2,920
Total noninterest income	$394,000	2,368
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$205,000	1,710
Trading account gains and fees	$0	158
Additional Noninterest Income	$189,000	2,548
Total noninterest expense	$2,883,000	1,714
Salaries and employee benefits	$1,458,000	1,695
Premises and equipment expense	$341,000	1,890
Additional noninterest expense	$1,084,000	1,597
Pre-tax net operating income	$318,000	3,418
Securities gains (losses)	$0	1,772
Applicable income taxes	$1,000	4,403
Income before extraordinary items	$317,000	3,112
Extraordinary gains, net	$0	9
Net income	$317,000	3,110
Minority interest net income	$0	86
Net income of bank and minority interests.	$317,000	3,112
Net charge-offs	$365,000	1,591
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$317,000	3,054
2010-12-31 (YTD Data)		Rank
Total interest income	$17,814,000	1,695
Total interest expense	$5,178,000	1,606
Net interest income	$12,636,000	1,752
Provision for loan and lease losses	$5,576,000	1,053
Total noninterest income	$1,715,000	2,314
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$971,000	1,541
Trading account gains and fees	$0	175
Additional Noninterest Income	$744,000	2,596
Total noninterest expense	$12,345,000	1,615
Salaries and employee benefits	$5,731,000	1,698
Premises and equipment expense	$1,290,000	1,972
Additional noninterest expense	$5,324,000	1,364
Pre-tax net operating income	$-3,570,000	6,992
Securities gains (losses)	$425,000	1,010
Applicable income taxes	$5,000	4,343
Income before extraordinary items	$-3,150,000	7,020
Extraordinary gains, net	$0	29
Net income	$-3,150,000	7,020
Minority interest net income	$0	111
Net income of bank and minority interests.	$-3,150,000	7,021
Net charge-offs	$5,856,000	895
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-3,575,000	7,042
2010-09-30 (YTD Data)		Rank
Total interest income	$13,482,000	1,720
Total interest expense	$4,004,000	1,622
Net interest income	$9,478,000	1,773
Provision for loan and lease losses	$5,009,000	877
Total noninterest income	$1,276,000	2,340
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$742,000	1,562
Trading account gains and fees	$0	165
Additional Noninterest Income	$534,000	2,658
Total noninterest expense	$9,305,000	1,587
Salaries and employee benefits	$4,287,000	1,713
Premises and equipment expense	$861,000	2,235
Additional noninterest expense	$4,157,000	1,300
Pre-tax net operating income	$-3,560,000	7,262
Securities gains (losses)	$424,000	851
Applicable income taxes	$4,000	4,431
Income before extraordinary items	$-3,140,000	7,291
Extraordinary gains, net	$0	23
Net income	$-3,140,000	7,291
Minority interest net income	$0	110
Net income of bank and minority interests.	$-3,140,000	7,291
Net charge-offs	$3,814,000	941
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-3,564,000	7,316
2010-06-30 (YTD Data)		Rank
Total interest income	$9,044,000	1,733
Total interest expense	$2,766,000	1,632
Net interest income	$6,278,000	1,782
Provision for loan and lease losses	$4,543,000	685
Total noninterest income	$811,000	2,356
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$499,000	1,571
Trading account gains and fees	$0	152
Additional Noninterest Income	$312,000	2,787
Total noninterest expense	$6,777,000	1,458
Salaries and employee benefits	$2,876,000	1,712
Premises and equipment expense	$647,000	2,007
Additional noninterest expense	$3,254,000	1,094
Pre-tax net operating income	$-4,231,000	7,512
Securities gains (losses)	$224,000	885
Applicable income taxes	$3,000	4,407
Income before extraordinary items	$-4,010,000	7,523
Extraordinary gains, net	$0	19
Net income	$-4,010,000	7,522
Minority interest net income	$0	105
Net income of bank and minority interests.	$-4,010,000	7,523
Net charge-offs	$3,423,000	736
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-4,234,000	7,537
2010-03-31 (YTD Data)		Rank
Total interest income	$4,510,000	1,779
Total interest expense	$1,427,000	1,654
Net interest income	$3,083,000	1,837
Provision for loan and lease losses	$809,000	1,339
Total noninterest income	$382,000	2,453
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$235,000	1,632
Trading account gains and fees	$0	175
Additional Noninterest Income	$147,000	2,876
Total noninterest expense	$2,787,000	1,785
Salaries and employee benefits	$1,455,000	1,726
Premises and equipment expense	$378,000	1,794
Additional noninterest expense	$954,000	1,818
Pre-tax net operating income	$-131,000	6,718
Securities gains (losses)	$0	2,284
Applicable income taxes	$1,000	4,457
Income before extraordinary items	$-132,000	6,823
Extraordinary gains, net	$0	16
Net income	$-132,000	6,824
Minority interest net income	$0	91
Net income of bank and minority interests.	$-132,000	6,823
Net charge-offs	$702,000	1,327
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-132,000	6,774
2009-12-31 (YTD Data)		Rank
Total interest income	$19,225,000	1,777
Total interest expense	$6,932,000	1,704
Net interest income	$12,293,000	1,806
Provision for loan and lease losses	$7,528,000	1,072
Total noninterest income	$2,089,000	2,067
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,146,000	1,492
Trading account gains and fees	$0	211
Additional Noninterest Income	$943,000	2,223
Total noninterest expense	$11,376,000	1,792
Salaries and employee benefits	$5,835,000	1,699
Premises and equipment expense	$1,491,000	1,819
Additional noninterest expense	$4,050,000	1,835
Pre-tax net operating income	$-4,522,000	7,131
Securities gains (losses)	$992,000	507
Applicable income taxes	$5,000	4,022
Income before extraordinary items	$-3,535,000	7,084
Extraordinary gains, net	$0	34
Net income	$-3,535,000	7,082
Minority interest net income	$0	115
Net income of bank and minority interests.	$-3,535,000	7,082
Net charge-offs	$7,207,000	876
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-4,527,000	7,226
2009-09-30 (YTD Data)		Rank
Total interest income	$14,425,000	1,798
Total interest expense	$5,426,000	1,714
Net interest income	$8,999,000	1,846
Provision for loan and lease losses	$4,968,000	1,051
Total noninterest income	$1,543,000	2,126
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$861,000	1,488
Trading account gains and fees	$0	212
Additional Noninterest Income	$682,000	2,324
Total noninterest expense	$8,398,000	1,811
Salaries and employee benefits	$4,385,000	1,719
Premises and equipment expense	$1,124,000	1,824
Additional noninterest expense	$2,889,000	1,851
Pre-tax net operating income	$-2,824,000	7,249
Securities gains (losses)	$801,000	463
Applicable income taxes	$4,000	4,272
Income before extraordinary items	$-2,027,000	7,180
Extraordinary gains, net	$0	27
Net income	$-2,027,000	7,180
Minority interest net income	$0	118
Net income of bank and minority interests.	$-2,027,000	7,179
Net charge-offs	$4,838,000	836
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-2,828,000	7,337
2009-06-30 (YTD Data)		Rank
Total interest income	$9,674,000	1,819
Total interest expense	$3,797,000	1,703
Net interest income	$5,877,000	1,875
Provision for loan and lease losses	$4,291,000	846
Total noninterest income	$1,057,000	2,089
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$572,000	1,476
Trading account gains and fees	$0	193
Additional Noninterest Income	$485,000	2,267
Total noninterest expense	$5,424,000	1,901
Salaries and employee benefits	$2,926,000	1,748
Premises and equipment expense	$745,000	1,855
Additional noninterest expense	$1,753,000	2,029
Pre-tax net operating income	$-2,781,000	7,534
Securities gains (losses)	$232,000	925
Applicable income taxes	$3,000	4,355
Income before extraordinary items	$-2,552,000	7,576
Extraordinary gains, net	$0	21
Net income	$-2,552,000	7,575
Minority interest net income	$0	112
Net income of bank and minority interests.	$-2,552,000	7,575
Net charge-offs	$4,740,000	603
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-2,784,000	7,619
2009-03-31 (YTD Data)		Rank
Total interest income	$4,926,000	1,817
Total interest expense	$1,977,000	1,716
Net interest income	$2,949,000	1,872
Provision for loan and lease losses	$670,000	1,505
Total noninterest income	$529,000	2,047
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$267,000	1,521
Trading account gains and fees	$0	171
Additional Noninterest Income	$262,000	2,137
Total noninterest expense	$2,753,000	1,801
Salaries and employee benefits	$1,591,000	1,630
Premises and equipment expense	$382,000	1,850
Additional noninterest expense	$780,000	2,030
Pre-tax net operating income	$55,000	5,557
Securities gains (losses)	$36,000	1,437
Applicable income taxes	$1,000	4,679
Income before extraordinary items	$90,000	5,091
Extraordinary gains, net	$0	15
Net income	$90,000	5,096
Minority interest net income	$0	102
Net income of bank and minority interests.	$90,000	5,095
Net charge-offs	$457,000	1,425
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$54,360	5,451
2008-12-31 (YTD Data)		Rank
Total interest income	$22,917,000	1,677
Total interest expense	$10,195,000	1,593
Net interest income	$12,722,000	1,749
Provision for loan and lease losses	$4,159,000	1,144
Total noninterest income	$2,113,000	2,054
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,314,000	1,364
Trading account gains and fees	$0	154
Additional Noninterest Income	$799,000	2,451
Total noninterest expense	$9,724,000	1,987
Salaries and employee benefits	$6,035,000	1,693
Premises and equipment expense	$1,535,000	1,782
Additional noninterest expense	$2,154,000	2,675
Pre-tax net operating income	$952,000	3,847
Securities gains (losses)	$12,000	2,444
Applicable income taxes	$5,000	4,660
Income before extraordinary items	$959,000	3,364
Extraordinary gains, net	$0	39
Net income	$959,000	3,364
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,494,000	897
Cash dividends	$1,150,000	2,112
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$947,120	3,538
2008-09-30 (YTD Data)		Rank
Total interest income	$17,453,000	1,700
Total interest expense	$7,876,000	1,599
Net interest income	$9,577,000	1,758
Provision for loan and lease losses	$2,754,000	952
Total noninterest income	$1,623,000	2,088
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$984,000	1,385
Trading account gains and fees	$0	148
Additional Noninterest Income	$639,000	2,447
Total noninterest expense	$7,424,000	1,931
Salaries and employee benefits	$4,596,000	1,694
Premises and equipment expense	$1,163,000	1,769
Additional noninterest expense	$1,665,000	2,534
Pre-tax net operating income	$1,022,000	3,641
Securities gains (losses)	$12,000	2,294
Applicable income taxes	$4,000	5,079
Income before extraordinary items	$1,030,000	3,037
Extraordinary gains, net	$0	31
Net income	$1,030,000	3,033
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,423,000	1,057
Cash dividends	$1,150,000	1,636
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,018,000	3,218
2008-06-30 (YTD Data)		Rank
Total interest income	$11,871,000	1,698
Total interest expense	$5,446,000	1,603
Net interest income	$6,425,000	1,738
Provision for loan and lease losses	$2,694,000	647
Total noninterest income	$1,103,000	2,081
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$647,000	1,385
Trading account gains and fees	$0	149
Additional Noninterest Income	$456,000	2,387
Total noninterest expense	$4,804,000	1,992
Salaries and employee benefits	$3,020,000	1,729
Premises and equipment expense	$751,000	1,822
Additional noninterest expense	$1,033,000	2,675
Pre-tax net operating income	$30,000	6,777
Securities gains (losses)	$12,000	2,370
Applicable income taxes	$3,000	5,335
Income before extraordinary items	$39,000	6,765
Extraordinary gains, net	$0	21
Net income	$39,000	6,764
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,379,000	708
Cash dividends	$1,150,000	1,263
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$27,840	6,784
2008-03-31 (YTD Data)		Rank
Total interest income	$6,289,000	1,647
Total interest expense	$2,871,000	1,633
Net interest income	$3,418,000	1,623
Provision for loan and lease losses	$364,000	1,223
Total noninterest income	$511,000	2,210
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$321,000	1,363
Trading account gains and fees	$0	158
Additional Noninterest Income	$190,000	2,656
Total noninterest expense	$2,394,000	2,005
Salaries and employee benefits	$1,565,000	1,682
Premises and equipment expense	$343,000	1,985
Additional noninterest expense	$486,000	2,793
Pre-tax net operating income	$1,171,000	1,554
Securities gains (losses)	$12,000	1,897
Applicable income taxes	$1,000	5,476
Income before extraordinary items	$1,182,000	1,276
Extraordinary gains, net	$0	15
Net income	$1,182,000	1,279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$159,000	1,441
Cash dividends	$1,150,000	649
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$1,170,000	1,252
2007-12-31 (YTD Data)		Rank
Total interest income	$25,423,000	1,699
Total interest expense	$11,458,000	1,750
Net interest income	$13,965,000	1,616
Provision for loan and lease losses	$2,019,000	841
Total noninterest income	$2,036,000	2,184
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,293,000	1,382
Trading account gains and fees	$0	178
Additional Noninterest Income	$743,000	2,664
Total noninterest expense	$8,919,000	2,059
Salaries and employee benefits	$5,731,000	1,764
Premises and equipment expense	$1,480,000	1,775
Additional noninterest expense	$1,708,000	3,071
Pre-tax net operating income	$5,063,000	1,620
Securities gains (losses)	$0	2,146
Applicable income taxes	$5,000	5,774
Income before extraordinary items	$5,058,000	1,263
Extraordinary gains, net	$0	39
Net income	$5,058,000	1,262
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,196,000	891
Cash dividends	$2,695,000	1,298
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$5,058,000	1,252
2007-09-30 (YTD Data)		Rank
Total interest income	$18,975,000	1,705
Total interest expense	$8,405,000	1,784
Net interest income	$10,570,000	1,608
Provision for loan and lease losses	$1,566,000	630
Total noninterest income	$1,507,000	2,209
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$974,000	1,353
Trading account gains and fees	$0	184
Additional Noninterest Income	$533,000	2,736
Total noninterest expense	$6,536,000	2,089
Salaries and employee benefits	$4,225,000	1,789
Premises and equipment expense	$1,072,000	1,824
Additional noninterest expense	$1,239,000	3,099
Pre-tax net operating income	$3,975,000	1,676
Securities gains (losses)	$0	1,655
Applicable income taxes	$4,000	5,949
Income before extraordinary items	$3,971,000	1,296
Extraordinary gains, net	$0	33
Net income	$3,971,000	1,293
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$958,000	675
Cash dividends	$2,695,000	958
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$3,971,000	1,287
2007-06-30 (YTD Data)		Rank
Total interest income	$12,301,000	1,761
Total interest expense	$5,383,000	1,855
Net interest income	$6,918,000	1,664
Provision for loan and lease losses	$890,000	648
Total noninterest income	$942,000	2,327
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$621,000	1,422
Trading account gains and fees	$0	168
Additional Noninterest Income	$321,000	2,911
Total noninterest expense	$4,243,000	2,162
Salaries and employee benefits	$2,760,000	1,862
Premises and equipment expense	$675,000	1,937
Additional noninterest expense	$808,000	3,167
Pre-tax net operating income	$2,727,000	1,682
Securities gains (losses)	$0	1,444
Applicable income taxes	$3,000	6,009
Income before extraordinary items	$2,724,000	1,316
Extraordinary gains, net	$0	29
Net income	$2,724,000	1,314
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,315
Cash dividends	$1,500,000	1,106
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$2,724,000	1,295
2007-03-31 (YTD Data)		Rank
Total interest income	$6,040,000	1,786
Total interest expense	$2,591,000	1,892
Net interest income	$3,449,000	1,671
Provision for loan and lease losses	$660,000	411
Total noninterest income	$430,000	2,438
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$288,000	1,491
Trading account gains and fees	$0	195
Additional Noninterest Income	$142,000	3,115
Total noninterest expense	$2,096,000	2,210
Salaries and employee benefits	$1,388,000	1,854
Premises and equipment expense	$343,000	1,909
Additional noninterest expense	$365,000	3,415
Pre-tax net operating income	$1,123,000	1,973
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$1,123,000	1,537
Extraordinary gains, net	$0	22
Net income	$1,123,000	1,538
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	2,284
Cash dividends	$1,500,000	577
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$1,123,000	1,527
2006-12-31 (YTD Data)		Rank
Total interest income	$21,709,000	1,852
Total interest expense	$8,599,000	1,917
Net interest income	$13,110,000	1,755
Provision for loan and lease losses	$1,094,000	969
Total noninterest income	$2,011,000	2,219
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,222,000	1,469
Trading account gains and fees	$0	130
Additional Noninterest Income	$789,000	2,600
Total noninterest expense	$8,238,000	2,148
Salaries and employee benefits	$5,260,000	1,851
Premises and equipment expense	$1,322,000	1,904
Additional noninterest expense	$1,656,000	3,032
Pre-tax net operating income	$5,789,000	1,662
Securities gains (losses)	$0	1,687
Applicable income taxes	$5,000	6,317
Income before extraordinary items	$5,784,000	1,255
Extraordinary gains, net	$0	51
Net income	$5,784,000	1,255
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$237,000	1,974
Cash dividends	$2,902,000	1,151
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$5,784,000	1,240
2006-09-30 (YTD Data)		Rank
Total interest income	$15,720,000	1,906
Total interest expense	$6,071,000	1,964
Net interest income	$9,649,000	1,811
Provision for loan and lease losses	$840,000	907
Total noninterest income	$1,467,000	2,263
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$909,000	1,487
Trading account gains and fees	$0	126
Additional Noninterest Income	$558,000	2,692
Total noninterest expense	$6,043,000	2,188
Salaries and employee benefits	$3,858,000	1,885
Premises and equipment expense	$985,000	1,930
Additional noninterest expense	$1,200,000	3,137
Pre-tax net operating income	$4,233,000	1,757
Securities gains (losses)	$0	1,388
Applicable income taxes	$3,000	6,487
Income before extraordinary items	$4,230,000	1,340
Extraordinary gains, net	$0	45
Net income	$4,230,000	1,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	2,342
Cash dividends	$2,377,000	1,001
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$4,230,000	1,326
2006-06-30 (YTD Data)		Rank
Total interest income	$9,993,000	1,947
Total interest expense	$3,660,000	2,054
Net interest income	$6,333,000	1,835
Provision for loan and lease losses	$375,000	1,222
Total noninterest income	$1,007,000	2,212
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$602,000	1,473
Trading account gains and fees	$0	126
Additional Noninterest Income	$405,000	2,547
Total noninterest expense	$4,022,000	2,198
Salaries and employee benefits	$2,550,000	1,909
Premises and equipment expense	$637,000	1,985
Additional noninterest expense	$835,000	3,012
Pre-tax net operating income	$2,943,000	1,686
Securities gains (losses)	$0	1,185
Applicable income taxes	$3,000	6,457
Income before extraordinary items	$2,940,000	1,270
Extraordinary gains, net	$0	39
Net income	$2,940,000	1,271
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	3,609
Cash dividends	$2,377,000	714
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$2,940,000	1,257
2006-03-31 (YTD Data)		Rank
Total interest income	$4,724,000	2,008
Total interest expense	$1,659,000	2,148
Net interest income	$3,065,000	1,890
Provision for loan and lease losses	$150,000	1,421
Total noninterest income	$462,000	2,307
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$287,000	1,484
Trading account gains and fees	$0	115
Additional Noninterest Income	$175,000	2,721
Total noninterest expense	$2,012,000	2,201
Salaries and employee benefits	$1,289,000	1,909
Premises and equipment expense	$341,000	1,853
Additional noninterest expense	$382,000	3,250
Pre-tax net operating income	$1,365,000	1,774
Securities gains (losses)	$0	955
Applicable income taxes	$1,000	6,453
Income before extraordinary items	$1,364,000	1,344
Extraordinary gains, net	$0	21
Net income	$1,364,000	1,343
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	3,919
Cash dividends	$564,000	1,221
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$1,364,000	1,326
2005-12-31 (YTD Data)		Rank
Total interest income	$16,428,000	2,030
Total interest expense	$4,977,000	2,205
Net interest income	$11,451,000	1,936
Provision for loan and lease losses	$440,000	2,107
Total noninterest income	$1,991,000	2,220
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$1,211,000	1,447
Trading account gains and fees	$0	138
Additional Noninterest Income	$780,000	2,589
Total noninterest expense	$7,718,000	2,161
Salaries and employee benefits	$4,759,000	1,938
Premises and equipment expense	$1,295,000	1,863
Additional noninterest expense	$1,664,000	2,976
Pre-tax net operating income	$5,284,000	1,772
Securities gains (losses)	$-1,000	6,938
Applicable income taxes	$576,000	3,144
Income before extraordinary items	$4,707,000	1,500
Extraordinary gains, net	$0	46
Net income	$4,707,000	1,500
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$243,000	2,017
Cash dividends	$2,424,000	1,260
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$4,707,890	1,479
2005-09-30 (YTD Data)		Rank
Total interest income	$9,759,000	2,479
Total interest expense	$2,818,000	2,670
Net interest income	$6,941,000	2,363
Provision for loan and lease losses	$180,000	3,127
Total noninterest income	$1,140,000	2,678
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$708,000	1,815
Trading account gains and fees	$0	126
Additional Noninterest Income	$432,000	3,145
Total noninterest expense	$4,687,000	2,617
Salaries and employee benefits	$2,851,000	2,372
Premises and equipment expense	$853,000	2,089
Additional noninterest expense	$983,000	3,547
Pre-tax net operating income	$3,214,000	2,118
Securities gains (losses)	$-1,000	7,299
Applicable income taxes	$4,000	6,719
Income before extraordinary items	$3,209,000	1,638
Extraordinary gains, net	$0	35
Net income	$3,209,000	1,640
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	3,581
Cash dividends	$2,424,000	906
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$3,210,000	1,601
2005-06-30 (YTD Data)		Rank
Total interest income	$6,205,000	2,531
Total interest expense	$1,715,000	2,728
Net interest income	$4,490,000	2,404
Provision for loan and lease losses	$120,000	3,004
Total noninterest income	$731,000	2,694
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$453,000	1,847
Trading account gains and fees	$0	116
Additional Noninterest Income	$278,000	3,206
Total noninterest expense	$3,044,000	2,661
Salaries and employee benefits	$1,843,000	2,417
Premises and equipment expense	$576,000	2,049
Additional noninterest expense	$625,000	3,676
Pre-tax net operating income	$2,057,000	2,135
Securities gains (losses)	$0	2,146
Applicable income taxes	$2,000	6,782
Income before extraordinary items	$2,055,000	1,666
Extraordinary gains, net	$0	30
Net income	$2,055,000	1,666
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	2,586
Cash dividends	$1,625,000	878
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$2,055,000	1,634
2005-03-31 (YTD Data)		Rank
Total interest income	$2,970,000	2,589
Total interest expense	$797,000	2,796
Net interest income	$2,173,000	2,452
Provision for loan and lease losses	$60,000	2,830
Total noninterest income	$361,000	2,670
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$213,000	1,901
Trading account gains and fees	$0	115
Additional Noninterest Income	$148,000	3,002
Total noninterest expense	$1,513,000	2,689
Salaries and employee benefits	$920,000	2,446
Premises and equipment expense	$285,000	2,096
Additional noninterest expense	$308,000	3,733
Pre-tax net operating income	$961,000	2,233
Securities gains (losses)	$0	1,685
Applicable income taxes	$1,000	6,740
Income before extraordinary items	$960,000	1,753
Extraordinary gains, net	$0	24
Net income	$960,000	1,754
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,685
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$960,000	1,720
2004-12-31 (YTD Data)		Rank
Total interest income	$10,821,000	2,629
Total interest expense	$2,700,000	2,867
Net interest income	$8,121,000	2,512
Provision for loan and lease losses	$415,000	2,302
Total noninterest income	$1,517,000	2,666
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$1,026,000	1,719
Trading account gains and fees	$0	138
Additional Noninterest Income	$491,000	3,343
Total noninterest expense	$5,951,000	2,677
Salaries and employee benefits	$3,637,000	2,389
Premises and equipment expense	$1,103,000	2,080
Additional noninterest expense	$1,211,000	3,714
Pre-tax net operating income	$3,272,000	2,404
Securities gains (losses)	$0	3,819
Applicable income taxes	$429,000	3,595
Income before extraordinary items	$2,843,000	2,174
Extraordinary gains, net	$0	34
Net income	$2,843,000	2,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$316,000	1,919
Cash dividends	$1,085,000	2,189
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,843,000	2,132
2004-09-30 (YTD Data)		Rank
Total interest income	$7,921,000	2,662
Total interest expense	$1,947,000	2,909
Net interest income	$5,974,000	2,532
Provision for loan and lease losses	$180,000	3,152
Total noninterest income	$1,123,000	2,698
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$779,000	1,704
Trading account gains and fees	$0	134
Additional Noninterest Income	$344,000	3,466
Total noninterest expense	$4,378,000	2,693
Salaries and employee benefits	$2,683,000	2,410
Premises and equipment expense	$807,000	2,127
Additional noninterest expense	$888,000	3,764
Pre-tax net operating income	$2,539,000	2,353
Securities gains (losses)	$0	3,710
Applicable income taxes	$424,000	3,201
Income before extraordinary items	$2,115,000	2,209
Extraordinary gains, net	$0	26
Net income	$2,115,000	2,211
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	2,447
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$2,115,000	2,156
2004-06-30 (YTD Data)		Rank
Total interest income	$5,172,000	2,700
Total interest expense	$1,293,000	2,902
Net interest income	$3,879,000	2,560
Provision for loan and lease losses	$120,000	3,090
Total noninterest income	$734,000	2,746
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$511,000	1,710
Trading account gains and fees	$0	130
Additional Noninterest Income	$223,000	3,541
Total noninterest expense	$2,858,000	2,744
Salaries and employee benefits	$1,756,000	2,443
Premises and equipment expense	$533,000	2,142
Additional noninterest expense	$569,000	3,905
Pre-tax net operating income	$1,635,000	2,407
Securities gains (losses)	$0	3,413
Applicable income taxes	$424,000	2,460
Income before extraordinary items	$1,211,000	2,506
Extraordinary gains, net	$0	21
Net income	$1,211,000	2,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,000	1,940
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,211,000	2,440
2004-03-31 (YTD Data)		Rank
Total interest income	$2,561,000	2,725
Total interest expense	$659,000	2,898
Net interest income	$1,902,000	2,609
Provision for loan and lease losses	$60,000	2,918
Total noninterest income	$350,000	2,792
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$245,000	1,736
Trading account gains and fees	$0	121
Additional Noninterest Income	$105,000	3,606
Total noninterest expense	$1,452,000	2,709
Salaries and employee benefits	$902,000	2,404
Premises and equipment expense	$269,000	2,153
Additional noninterest expense	$281,000	3,938
Pre-tax net operating income	$740,000	2,594
Securities gains (losses)	$0	2,934
Applicable income taxes	$335,000	1,783
Income before extraordinary items	$405,000	3,460
Extraordinary gains, net	$0	16
Net income	$405,000	3,459
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	1,416
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$405,000	3,358
2003-12-31 (YTD Data)		Rank
Total interest income	$10,608,000	2,665
Total interest expense	$3,050,000	2,820
Net interest income	$7,558,000	2,553
Provision for loan and lease losses	$439,000	2,417
Total noninterest income	$1,731,000	2,566
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$976,000	1,760
Trading account gains and fees	$0	160
Additional Noninterest Income	$755,000	2,832
Total noninterest expense	$6,140,000	2,547
Salaries and employee benefits	$3,466,000	2,426
Premises and equipment expense	$1,056,000	2,153
Additional noninterest expense	$1,618,000	2,876
Pre-tax net operating income	$2,710,000	2,715
Securities gains (losses)	$0	4,500
Applicable income taxes	$1,111,000	2,040
Income before extraordinary items	$1,599,000	3,416
Extraordinary gains, net	$0	54
Net income	$1,599,000	3,415
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$222,000	2,706
Cash dividends	$1,329,000	1,910
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,599,000	3,241
2003-09-30 (YTD Data)		Rank
Total interest income	$7,938,000	2,712
Total interest expense	$2,351,000	2,839
Net interest income	$5,587,000	2,604
Provision for loan and lease losses	$109,000	4,528
Total noninterest income	$1,351,000	2,544
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$720,000	1,797
Trading account gains and fees	$0	153
Additional Noninterest Income	$631,000	2,746
Total noninterest expense	$4,537,000	2,593
Salaries and employee benefits	$2,491,000	2,528
Premises and equipment expense	$812,000	2,113
Additional noninterest expense	$1,234,000	2,812
Pre-tax net operating income	$2,292,000	2,562
Securities gains (losses)	$0	4,204
Applicable income taxes	$948,000	1,939
Income before extraordinary items	$1,344,000	3,210
Extraordinary gains, net	$0	40
Net income	$1,344,000	3,209
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,000	2,945
Cash dividends	$1,329,000	1,411
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,344,000	3,061
2003-06-30 (YTD Data)		Rank
Total interest income	$2,661,000	4,770
Total interest expense	$875,000	4,658
Net interest income	$1,786,000	4,738
Provision for loan and lease losses	$-11,000	9,101
Total noninterest income	$404,000	4,225
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$245,000	3,117
Trading account gains and fees	$0	150
Additional Noninterest Income	$159,000	4,470
Total noninterest expense	$1,516,000	4,547
Salaries and employee benefits	$833,000	4,485
Premises and equipment expense	$278,000	3,714
Additional noninterest expense	$405,000	4,968
Pre-tax net operating income	$685,000	4,487
Securities gains (losses)	$0	3,782
Applicable income taxes	$287,000	3,323
Income before extraordinary items	$398,000	5,415
Extraordinary gains, net	$0	30
Net income	$398,000	5,415
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	8,770
Cash dividends	$929,000	1,392
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$398,000	5,211
2003-03-31 (YTD Data)		Rank
Total interest income	$699,000	6,914
Total interest expense	$231,000	6,695
Net interest income	$468,000	6,843
Provision for loan and lease losses	$12,000	5,906
Total noninterest income	$105,000	5,786
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$52,000	5,093
Trading account gains and fees	$0	134
Additional Noninterest Income	$53,000	5,163
Total noninterest expense	$371,000	6,946
Salaries and employee benefits	$188,000	7,124
Premises and equipment expense	$69,000	5,897
Additional noninterest expense	$114,000	6,780
Pre-tax net operating income	$190,000	5,958
Securities gains (losses)	$0	2,891
Applicable income taxes	$73,000	4,528
Income before extraordinary items	$117,000	6,600
Extraordinary gains, net	$0	21
Net income	$117,000	6,599
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-20,000	8,858
Cash dividends	$296,000	1,816
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$117,000	6,432
2002-12-31 (YTD Data)		Rank
Total interest income	$2,822,000	7,034
Total interest expense	$1,123,000	6,613
Net interest income	$1,699,000	7,119
Provision for loan and lease losses	$-8,000	9,180
Total noninterest income	$403,000	5,767
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$210,000	5,091
Trading account gains and fees	$0	153
Additional Noninterest Income	$193,000	5,108
Total noninterest expense	$1,438,000	6,977
Salaries and employee benefits	$766,000	7,010
Premises and equipment expense	$317,000	5,391
Additional noninterest expense	$355,000	7,440
Pre-tax net operating income	$672,000	6,182
Securities gains (losses)	$0	4,537
Applicable income taxes	$256,000	4,722
Income before extraordinary items	$416,000	6,767
Extraordinary gains, net	$0	70
Net income	$416,000	6,766
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	8,649
Cash dividends	$161,000	5,119
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$416,000	6,640
2001-12-31 (YTD Data)		Rank
Total interest income	$3,268,000	6,959
Total interest expense	$1,665,000	6,662
Net interest income	$1,603,000	7,147
Provision for loan and lease losses	$-126,000	9,539
Total noninterest income	$457,000	5,317
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$181,000	5,377
Trading account gains and fees	$0	177
Additional Noninterest Income	$276,000	4,296
Total noninterest expense	$1,462,000	6,881
Salaries and employee benefits	$739,000	7,024
Premises and equipment expense	$269,000	5,864
Additional noninterest expense	$454,000	6,757
Pre-tax net operating income	$724,000	5,734
Securities gains (losses)	$0	4,612
Applicable income taxes	$267,000	4,496
Income before extraordinary items	$457,000	6,272
Extraordinary gains, net	$0	105
Net income	$457,000	6,274
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-60,000	9,441
Cash dividends	$300,000	4,357
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$457,000	6,154
2000-12-31 (YTD Data)		Rank
Total interest income	$3,426,000	6,988
Total interest expense	$1,742,000	6,714
Net interest income	$1,684,000	7,139
Provision for loan and lease losses	$90,000	5,514
Total noninterest income	$342,000	5,949
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$153,000	5,714
Trading account gains and fees	NA	NA
Additional Noninterest Income	$189,000	4,923
Total noninterest expense	$1,283,000	7,292
Salaries and employee benefits	$648,000	7,442
Premises and equipment expense	$261,000	5,893
Additional noninterest expense	$374,000	7,374
Pre-tax net operating income	$653,000	6,396
Securities gains (losses)	$0	1,956
Applicable income taxes	$247,000	5,010
Income before extraordinary items	$406,000	6,818
Extraordinary gains, net	$0	38
Net income	$406,000	6,816
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	3,695
Cash dividends	$415,000	3,874
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$406,000	6,823
1999-12-31 (YTD Data)		Rank
Total interest income	$3,229,000	7,128
Total interest expense	$1,606,000	6,714
Net interest income	$1,623,000	7,354
Provision for loan and lease losses	$58,000	6,335
Total noninterest income	$395,000	5,660
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$166,000	5,590
Trading account gains and fees	NA	NA
Additional Noninterest Income	$229,000	4,627
Total noninterest expense	$1,298,000	7,312
Salaries and employee benefits	$680,000	7,355
Premises and equipment expense	$248,000	6,065
Additional noninterest expense	$370,000	7,541
Pre-tax net operating income	$662,000	6,466
Securities gains (losses)	$0	3,155
Applicable income taxes	$242,000	5,293
Income before extraordinary items	$420,000	6,874
Extraordinary gains, net	$0	35
Net income	$420,000	6,874
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	4,193
Cash dividends	$450,000	3,697
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$420,000	6,847
1998-12-31 (YTD Data)		Rank
Total interest income	$3,309,000	7,161
Total interest expense	$1,677,000	6,813
Net interest income	$1,632,000	7,408
Provision for loan and lease losses	$258,000	2,938
Total noninterest income	$336,000	6,139
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$168,000	5,635
Trading account gains and fees	NA	NA
Additional Noninterest Income	$168,000	5,401
Total noninterest expense	$1,266,000	7,365
Salaries and employee benefits	$699,000	7,196
Premises and equipment expense	$234,000	6,205
Additional noninterest expense	$333,000	7,812
Pre-tax net operating income	$444,000	7,651
Securities gains (losses)	$0	4,449
Applicable income taxes	$160,000	6,714
Income before extraordinary items	$284,000	8,008
Extraordinary gains, net	$0	32
Net income	$284,000	8,007
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$228,000	2,246
Cash dividends	$240,000	5,025
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$284,000	7,930
1997-12-31 (YTD Data)		Rank
Total interest income	$3,316,000	7,386
Total interest expense	$1,621,000	7,075
Net interest income	$1,695,000	7,564
Provision for loan and lease losses	$120,000	4,629
Total noninterest income	$296,000	6,691
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$181,000	5,643
Trading account gains and fees	NA	NA
Additional Noninterest Income	$115,000	6,392
Total noninterest expense	$1,146,000	7,860
Salaries and employee benefits	$624,000	7,762
Premises and equipment expense	$221,000	6,483
Additional noninterest expense	$301,000	8,313
Pre-tax net operating income	$725,000	6,878
Securities gains (losses)	$0	3,944
Applicable income taxes	$249,000	6,269
Income before extraordinary items	$476,000	7,124
Extraordinary gains, net	$0	44
Net income	$476,000	7,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$141,000	3,146
Cash dividends	$775,000	2,614
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$476,000	7,076
1996-12-31 (YTD Data)		Rank
Total interest income	$2,964,000	8,043
Total interest expense	$1,397,000	7,839
Net interest income	$1,567,000	8,107
Provision for loan and lease losses	$0	9,041
Total noninterest income	$560,000	4,776
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	6,076
Trading account gains and fees	NA	NA
Additional Noninterest Income	$388,000	3,461
Total noninterest expense	$1,083,000	8,387
Salaries and employee benefits	$578,000	8,273
Premises and equipment expense	$205,000	6,938
Additional noninterest expense	$300,000	8,884
Pre-tax net operating income	$1,044,000	5,586
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$410,000	4,821
Income before extraordinary items	$635,000	6,066
Extraordinary gains, net	$0	53
Net income	$635,000	6,068
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,018
Cash dividends	$170,000	5,771
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$634,360	6,010
1995-12-31 (YTD Data)		Rank
Total interest income	$2,783,000	8,513
Total interest expense	$1,339,000	8,153
Net interest income	$1,444,000	8,689
Provision for loan and lease losses	$9,000	8,431
Total noninterest income	$287,000	7,238
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$144,000	6,790
Trading account gains and fees	NA	NA
Additional Noninterest Income	$143,000	6,129
Total noninterest expense	$1,022,000	8,848
Salaries and employee benefits	$532,000	8,835
Premises and equipment expense	$211,000	6,988
Additional noninterest expense	$279,000	9,499
Pre-tax net operating income	$700,000	7,329
Securities gains (losses)	$2,000	3,270
Applicable income taxes	$327,000	5,700
Income before extraordinary items	$375,000	8,270
Extraordinary gains, net	$0	65
Net income	$375,000	8,271
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-101,000	11,719
Cash dividends	$200,000	5,441
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$373,720	8,274
1994-12-31 (YTD Data)		Rank
Total interest income	$2,362,000	9,146
Total interest expense	$1,008,000	8,660
Net interest income	$1,354,000	9,300
Provision for loan and lease losses	$9,000	8,587
Total noninterest income	$248,000	7,979
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$95,000	8,225
Trading account gains and fees	NA	NA
Additional Noninterest Income	$153,000	6,154
Total noninterest expense	$942,000	9,583
Salaries and employee benefits	$460,000	9,752
Premises and equipment expense	$169,000	8,112
Additional noninterest expense	$313,000	9,804
Pre-tax net operating income	$651,000	7,710
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$239,000	6,699
Income before extraordinary items	$413,000	8,082
Extraordinary gains, net	$0	249
Net income	$413,000	8,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,622
Cash dividends	$235,000	5,102
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$412,360	8,121
1993-12-31 (YTD Data)		Rank
Total interest income	$2,259,000	9,661
Total interest expense	$940,000	9,385
Net interest income	$1,319,000	9,674
Provision for loan and lease losses	$208,000	3,834
Total noninterest income	$209,000	9,060
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$84,000	8,884
Trading account gains and fees	NA	NA
Additional Noninterest Income	$125,000	7,168
Total noninterest expense	$913,000	10,140
Salaries and employee benefits	$471,000	9,946
Premises and equipment expense	$152,000	8,840
Additional noninterest expense	$290,000	10,573
Pre-tax net operating income	$407,000	9,357
Securities gains (losses)	$54,000	3,285
Applicable income taxes	$132,000	9,038
Income before extraordinary items	$329,000	9,138
Extraordinary gains, net	$0	3,149
Net income	$329,000	9,295
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	6,011
Cash dividends	$145,000	6,191
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$290,660	9,332
1992-12-31 (YTD Data)		Rank
Total interest income	$2,336,000	10,222
Total interest expense	$1,060,000	10,140
Net interest income	$1,276,000	10,042
Provision for loan and lease losses	$95,000	7,436
Total noninterest income	$167,000	10,114
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$67,000	9,657
Trading account gains and fees	NA	NA
Additional Noninterest Income	$100,000	8,063
Total noninterest expense	$876,000	10,631
Salaries and employee benefits	$432,000	10,494
Premises and equipment expense	$147,000	9,210
Additional noninterest expense	$297,000	10,861
Pre-tax net operating income	$472,000	8,619
Securities gains (losses)	$-12,000	13,350
Applicable income taxes	$159,000	8,397
Income before extraordinary items	$301,000	9,312
Extraordinary gains, net	$0	1,422
Net income	$301,000	9,447
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$122,000	5,395
Cash dividends	$145,000	5,869
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$308,800	8,830

* 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.