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California Bank of Commerce, Income and Expense

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2025-03-31 (YTD Data)		Rank
Total interest income	$56,824,000	311
Total interest expense	$13,178,000	453
Net interest income	$43,646,000	269
Provision for loan and lease losses	$-3,776,000	4,473
Total noninterest income	$2,563,000	742
Gross Fiduciary activities income	$0	918
Service charges on deposit accounts	$950,000	352
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,613,000	720
Total noninterest expense	$24,828,000	335
Salaries and employee benefits	$15,802,000	294
Premises and equipment expense	$2,152,000	353
Additional noninterest expense	$1,613,000	720
Pre-tax net operating income	$25,157,000	220
Securities gains (losses)	$0	665
Applicable income taxes	$7,250,000	180
Income before extraordinary items	$17,907,000	230
Extraordinary gains, net	$0	47
Net income	$17,907,000	233
Minority interest net income	$0	65
Net income of bank and minority interests.	$17,907,000	230
Net charge-offs	$1,542,000	242
Cash dividends	$0	2,364
Sale, conversion, retirement of capital stock, net	$425,000	168
Net operating income	$17,907,000	235
2024-12-31 (YTD Data)		Rank
Total interest income	$179,798,000	359
Total interest expense	$53,864,000	480
Net interest income	$125,934,000	314
Provision for loan and lease losses	$21,690,000	142
Total noninterest income	$4,759,000	1,215
Gross Fiduciary activities income	$0	1,000
Service charges on deposit accounts	$2,681,000	447
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,078,000	1,540
Total noninterest expense	$97,255,000	342
Salaries and employee benefits	$49,593,000	340
Premises and equipment expense	$7,242,000	400
Additional noninterest expense	$2,078,000	1,540
Pre-tax net operating income	$11,748,000	1,032
Securities gains (losses)	$0	940
Applicable income taxes	$3,901,000	623
Income before extraordinary items	$7,847,000	1,226
Extraordinary gains, net	$0	53
Net income	$7,847,000	1,238
Minority interest net income	$0	90
Net income of bank and minority interests.	$7,847,000	1,226
Net charge-offs	$2,766,000	404
Cash dividends	$0	3,434
Sale, conversion, retirement of capital stock, net	$3,156,000	149
Net operating income	$7,847,000	1,243
2024-09-30 (YTD Data)		Rank
Total interest income	$117,240,000	401
Total interest expense	$37,239,000	503
Net interest income	$80,001,000	358
Provision for loan and lease losses	$25,525,000	106
Total noninterest income	$3,755,000	1,176
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$1,957,000	457
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,798,000	1,409
Total noninterest expense	$71,236,000	337
Salaries and employee benefits	$33,582,000	367
Premises and equipment expense	$4,928,000	428
Additional noninterest expense	$1,798,000	1,409
Pre-tax net operating income	$-13,005,000	4,531
Securities gains (losses)	$0	930
Applicable income taxes	$-3,157,000	4,511
Income before extraordinary items	$-9,848,000	4,510
Extraordinary gains, net	$0	51
Net income	$-9,848,000	4,510
Minority interest net income	$0	82
Net income of bank and minority interests.	$-9,848,000	4,510
Net charge-offs	$2,620,000	330
Cash dividends	$0	3,076
Sale, conversion, retirement of capital stock, net	$2,605,000	135
Net operating income	$-9,848,000	4,516
2024-06-30 (YTD Data)		Rank
Total interest income	$63,113,000	485
Total interest expense	$21,070,000	569
Net interest income	$42,043,000	441
Provision for loan and lease losses	$2,561,000	326
Total noninterest income	$2,582,000	1,152
Gross Fiduciary activities income	$0	962
Service charges on deposit accounts	$969,000	567
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,613,000	1,151
Total noninterest expense	$33,752,000	450
Salaries and employee benefits	$18,260,000	451
Premises and equipment expense	$2,897,000	486
Additional noninterest expense	$1,613,000	1,151
Pre-tax net operating income	$8,312,000	768
Securities gains (losses)	$0	628
Applicable income taxes	$2,650,000	515
Income before extraordinary items	$5,662,000	899
Extraordinary gains, net	$0	52
Net income	$5,662,000	911
Minority interest net income	$0	84
Net income of bank and minority interests.	$5,662,000	901
Net charge-offs	$1,457,000	343
Cash dividends	$0	2,949
Sale, conversion, retirement of capital stock, net	$1,264,000	139
Net operating income	$5,662,000	895
2024-03-31 (YTD Data)		Rank
Total interest income	$31,264,000	483
Total interest expense	$10,499,000	565
Net interest income	$20,765,000	456
Provision for loan and lease losses	$-331,000	4,443
Total noninterest income	$1,414,000	1,087
Gross Fiduciary activities income	$0	895
Service charges on deposit accounts	$458,000	595
Trading account gains and fees	NA	NA
Additional Noninterest Income	$956,000	1,022
Total noninterest expense	$14,887,000	505
Salaries and employee benefits	$9,547,000	436
Premises and equipment expense	$1,452,000	495
Additional noninterest expense	$956,000	1,022
Pre-tax net operating income	$7,623,000	475
Securities gains (losses)	$0	689
Applicable income taxes	$2,435,000	360
Income before extraordinary items	$5,188,000	557
Extraordinary gains, net	$0	51
Net income	$5,188,000	562
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,188,000	557
Net charge-offs	$1,000	2,067
Cash dividends	$0	2,345
Sale, conversion, retirement of capital stock, net	$386,000	110
Net operating income	$5,188,000	553
2023-12-31 (YTD Data)		Rank
Total interest income	$123,522,000	452
Total interest expense	$28,299,000	616
Net interest income	$95,223,000	382
Provision for loan and lease losses	$915,000	879
Total noninterest income	$4,353,000	1,294
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,581,000	698
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,772,000	1,328
Total noninterest expense	$59,259,000	501
Salaries and employee benefits	$38,997,000	409
Premises and equipment expense	$6,230,000	460
Additional noninterest expense	$2,772,000	1,328
Pre-tax net operating income	$39,402,000	420
Securities gains (losses)	$-974,000	4,289
Applicable income taxes	$11,447,000	309
Income before extraordinary items	$26,981,000	460
Extraordinary gains, net	$0	54
Net income	$26,981,000	463
Minority interest net income	$0	88
Net income of bank and minority interests.	$26,981,000	461
Net charge-offs	$1,288,000	469
Cash dividends	$2,000,000	1,522
Sale, conversion, retirement of capital stock, net	$3,629,000	105
Net operating income	$27,750,460	465
2023-09-30 (YTD Data)		Rank
Total interest income	$90,952,000	449
Total interest expense	$18,559,000	641
Net interest income	$72,393,000	384
Provision for loan and lease losses	$91,000	2,169
Total noninterest income	$3,447,000	1,250
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$1,142,000	723
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,305,000	1,245
Total noninterest expense	$44,024,000	502
Salaries and employee benefits	$29,462,000	410
Premises and equipment expense	$4,553,000	470
Additional noninterest expense	$2,305,000	1,245
Pre-tax net operating income	$31,725,000	416
Securities gains (losses)	$34,000	321
Applicable income taxes	$9,443,000	306
Income before extraordinary items	$22,316,000	444
Extraordinary gains, net	$0	52
Net income	$22,316,000	448
Minority interest net income	$0	81
Net income of bank and minority interests.	$22,316,000	444
Net charge-offs	$21,000	1,873
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$3,259,000	96
Net operating income	$22,289,140	454
2023-06-30 (YTD Data)		Rank
Total interest income	$59,469,000	435
Total interest expense	$10,608,000	659
Net interest income	$48,861,000	377
Provision for loan and lease losses	$187,000	1,385
Total noninterest income	$2,631,000	1,101
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$769,000	704
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,862,000	1,024
Total noninterest expense	$29,349,000	491
Salaries and employee benefits	$19,789,000	400
Premises and equipment expense	$2,974,000	466
Additional noninterest expense	$1,862,000	1,023
Pre-tax net operating income	$21,956,000	407
Securities gains (losses)	$34,000	335
Applicable income taxes	$6,489,000	303
Income before extraordinary items	$15,501,000	426
Extraordinary gains, net	$0	51
Net income	$15,501,000	434
Minority interest net income	$0	81
Net income of bank and minority interests.	$15,501,000	426
Net charge-offs	$22,000	1,495
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$2,328,000	76
Net operating income	$15,474,140	434
2023-03-31 (YTD Data)		Rank
Total interest income	$29,209,000	433
Total interest expense	$4,046,000	726
Net interest income	$25,163,000	375
Provision for loan and lease losses	$202,000	875
Total noninterest income	$1,570,000	979
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$354,000	766
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,216,000	846
Total noninterest expense	$14,914,000	493
Salaries and employee benefits	$10,178,000	402
Premises and equipment expense	$1,447,000	492
Additional noninterest expense	$1,216,000	846
Pre-tax net operating income	$11,617,000	396
Securities gains (losses)	$0	950
Applicable income taxes	$3,135,000	321
Income before extraordinary items	$8,482,000	413
Extraordinary gains, net	$0	4
Net income	$8,482,000	413
Minority interest net income	$0	48
Net income of bank and minority interests.	$8,482,000	414
Net charge-offs	$13,000	1,282
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$1,311,000	63
Net operating income	$8,482,000	420
2022-12-31 (YTD Data)		Rank
Total interest income	$93,574,000	442
Total interest expense	$4,633,000	837
Net interest income	$88,941,000	414
Provision for loan and lease losses	$5,450,000	262
Total noninterest income	$4,668,000	1,248
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$1,388,000	790
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,280,000	1,182
Total noninterest expense	$63,373,000	443
Salaries and employee benefits	$36,828,000	416
Premises and equipment expense	$6,210,000	457
Additional noninterest expense	$3,280,000	1,182
Pre-tax net operating income	$24,786,000	649
Securities gains (losses)	$-994,000	4,457
Applicable income taxes	$6,389,000	524
Income before extraordinary items	$17,403,000	713
Extraordinary gains, net	$0	5
Net income	$17,403,000	714
Minority interest net income	$0	63
Net income of bank and minority interests.	$17,403,000	714
Net charge-offs	$8,000	2,207
Cash dividends	$3,000,000	1,131
Sale, conversion, retirement of capital stock, net	$3,109,000	149
Net operating income	$18,188,260	700
2022-09-30 (YTD Data)		Rank
Total interest income	$65,431,000	447
Total interest expense	$2,031,000	1,010
Net interest income	$63,400,000	423
Provision for loan and lease losses	$4,800,000	213
Total noninterest income	$3,486,000	1,274
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$1,017,000	806
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,469,000	1,215
Total noninterest expense	$50,242,000	418
Salaries and employee benefits	$28,258,000	408
Premises and equipment expense	$4,751,000	447
Additional noninterest expense	$2,469,000	1,215
Pre-tax net operating income	$11,844,000	900
Securities gains (losses)	$0	740
Applicable income taxes	$3,168,000	664
Income before extraordinary items	$8,676,000	993
Extraordinary gains, net	$0	4
Net income	$8,676,000	992
Minority interest net income	$0	57
Net income of bank and minority interests.	$8,676,000	993
Net charge-offs	$21,000	1,579
Cash dividends	$3,000,000	841
Sale, conversion, retirement of capital stock, net	$2,657,000	123
Net operating income	$8,676,000	1,011
2022-06-30 (YTD Data)		Rank
Total interest income	$40,068,000	460
Total interest expense	$725,000	1,474
Net interest income	$39,343,000	431
Provision for loan and lease losses	$3,500,000	178
Total noninterest income	$3,129,000	1,039
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$651,000	832
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,478,000	946
Total noninterest expense	$36,920,000	379
Salaries and employee benefits	$19,444,000	389
Premises and equipment expense	$3,142,000	448
Additional noninterest expense	$14,334,000	330
Pre-tax net operating income	$2,052,000	2,169
Securities gains (losses)	$0	687
Applicable income taxes	$543,000	1,426
Income before extraordinary items	$1,509,000	2,333
Extraordinary gains, net	$0	4
Net income	$1,509,000	2,333
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,509,000	2,333
Net charge-offs	$21,000	1,305
Cash dividends	$3,000,000	613
Sale, conversion, retirement of capital stock, net	$1,742,000	107
Net operating income	$1,509,000	2,372
2022-03-31 (YTD Data)		Rank
Total interest income	$18,485,000	477
Total interest expense	$381,000	1,354
Net interest income	$18,104,000	459
Provision for loan and lease losses	$1,850,000	134
Total noninterest income	$1,603,000	1,022
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$399,000	701
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,204,000	961
Total noninterest expense	$15,536,000	442
Salaries and employee benefits	$10,196,000	381
Premises and equipment expense	$1,410,000	495
Additional noninterest expense	$3,930,000	522
Pre-tax net operating income	$2,321,000	1,220
Securities gains (losses)	$0	623
Applicable income taxes	$642,000	848
Income before extraordinary items	$1,679,000	1,348
Extraordinary gains, net	$0	4
Net income	$1,679,000	1,348
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,679,000	1,348
Net charge-offs	$-27,000	4,250
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$766,000	90
Net operating income	$1,679,000	1,364
2021-12-31 (YTD Data)		Rank
Total interest income	$67,770,000	516
Total interest expense	$2,139,000	1,258
Net interest income	$65,631,000	492
Provision for loan and lease losses	$1,200,000	489
Total noninterest income	$4,468,000	1,412
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$826,000	1,116
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,642,000	1,330
Total noninterest expense	$53,105,000	504
Salaries and employee benefits	$34,883,000	434
Premises and equipment expense	$5,522,000	491
Additional noninterest expense	$12,700,000	634
Pre-tax net operating income	$15,794,000	908
Securities gains (losses)	$46,000	1,163
Applicable income taxes	$3,913,000	734
Income before extraordinary items	$11,927,000	1,001
Extraordinary gains, net	$0	10
Net income	$11,927,000	1,002
Minority interest net income	$0	74
Net income of bank and minority interests.	$11,927,000	1,002
Net charge-offs	$-202,000	4,551
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$1,764,000	177
Net operating income	$11,890,660	986
2021-09-30 (YTD Data)		Rank
Total interest income	$46,658,000	562
Total interest expense	$1,661,000	1,287
Net interest income	$44,997,000	537
Provision for loan and lease losses	$0	2,963
Total noninterest income	$3,933,000	1,304
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$539,000	1,218
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,394,000	1,179
Total noninterest expense	$38,191,000	527
Salaries and employee benefits	$25,725,000	442
Premises and equipment expense	$4,172,000	489
Additional noninterest expense	$8,294,000	712
Pre-tax net operating income	$10,739,000	1,008
Securities gains (losses)	$55,000	1,023
Applicable income taxes	$2,395,000	871
Income before extraordinary items	$8,399,000	1,089
Extraordinary gains, net	$0	8
Net income	$8,399,000	1,090
Minority interest net income	$0	69
Net income of bank and minority interests.	$8,399,000	1,090
Net charge-offs	$-110,000	4,488
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$1,407,000	157
Net operating income	$8,355,550	1,083
2021-06-30 (YTD Data)		Rank
Total interest income	$29,879,000	581
Total interest expense	$1,209,000	1,233
Net interest income	$28,670,000	553
Provision for loan and lease losses	$0	2,862
Total noninterest income	$2,247,000	1,431
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$361,000	1,187
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,886,000	1,334
Total noninterest expense	$25,660,000	516
Salaries and employee benefits	$17,974,000	424
Premises and equipment expense	$2,651,000	512
Additional noninterest expense	$5,035,000	763
Pre-tax net operating income	$5,257,000	1,267
Securities gains (losses)	$55,000	854
Applicable income taxes	$769,000	1,350
Income before extraordinary items	$4,543,000	1,277
Extraordinary gains, net	$0	6
Net income	$4,543,000	1,277
Minority interest net income	$0	67
Net income of bank and minority interests.	$4,543,000	1,277
Net charge-offs	$-35,000	4,256
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$750,000	154
Net operating income	$4,495,700	1,255
2021-03-31 (YTD Data)		Rank
Total interest income	$13,601,000	639
Total interest expense	$643,000	1,227
Net interest income	$12,958,000	598
Provision for loan and lease losses	$0	2,741
Total noninterest income	$547,000	2,141
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$184,000	1,172
Trading account gains and fees	NA	NA
Additional Noninterest Income	$363,000	2,255
Total noninterest expense	$11,104,000	588
Salaries and employee benefits	$7,377,000	506
Premises and equipment expense	$1,523,000	459
Additional noninterest expense	$2,204,000	833
Pre-tax net operating income	$2,401,000	1,339
Securities gains (losses)	$0	1,392
Applicable income taxes	$693,000	927
Income before extraordinary items	$1,708,000	1,570
Extraordinary gains, net	$0	3
Net income	$1,708,000	1,570
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,708,000	1,570
Net charge-offs	$-16,000	4,237
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$794,000	96
Net operating income	$1,708,000	1,525
2020-12-31 (YTD Data)		Rank
Total interest income	$51,812,000	658
Total interest expense	$5,143,000	927
Net interest income	$46,669,000	632
Provision for loan and lease losses	$4,552,000	607
Total noninterest income	$1,723,000	2,288
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$563,000	1,487
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,160,000	2,332
Total noninterest expense	$36,486,000	685
Salaries and employee benefits	$21,691,000	655
Premises and equipment expense	$4,004,000	658
Additional noninterest expense	$10,791,000	694
Pre-tax net operating income	$7,354,000	1,334
Securities gains (losses)	$574,000	551
Applicable income taxes	$2,390,000	828
Income before extraordinary items	$5,538,000	1,514
Extraordinary gains, net	$0	4
Net income	$5,538,000	1,514
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,538,000	1,514
Net charge-offs	$-340,000	4,924
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$2,702,000	127
Net operating income	$5,084,540	1,574
2020-09-30 (YTD Data)		Rank
Total interest income	$37,294,000	687
Total interest expense	$4,057,000	943
Net interest income	$33,237,000	651
Provision for loan and lease losses	$4,552,000	522
Total noninterest income	$1,287,000	2,246
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$390,000	1,578
Trading account gains and fees	NA	NA
Additional Noninterest Income	$897,000	2,261
Total noninterest expense	$20,132,000	884
Salaries and employee benefits	$10,570,000	938
Premises and equipment expense	$2,955,000	654
Additional noninterest expense	$6,607,000	797
Pre-tax net operating income	$9,840,000	811
Securities gains (losses)	$574,000	453
Applicable income taxes	$3,135,000	538
Income before extraordinary items	$7,279,000	948
Extraordinary gains, net	$0	4
Net income	$7,279,000	948
Minority interest net income	$0	65
Net income of bank and minority interests.	$7,279,000	948
Net charge-offs	$-381,000	4,977
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$496,000	217
Net operating income	$6,825,540	966
2020-06-30 (YTD Data)		Rank
Total interest income	$22,270,000	753
Total interest expense	$2,732,000	1,010
Net interest income	$19,538,000	723
Provision for loan and lease losses	$2,552,000	611
Total noninterest income	$813,000	2,236
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$263,000	1,581
Trading account gains and fees	NA	NA
Additional Noninterest Income	$550,000	2,289
Total noninterest expense	$11,170,000	1,006
Salaries and employee benefits	$6,419,000	1,004
Premises and equipment expense	$1,665,000	766
Additional noninterest expense	$3,086,000	1,061
Pre-tax net operating income	$6,629,000	725
Securities gains (losses)	$324,000	510
Applicable income taxes	$2,125,000	470
Income before extraordinary items	$4,828,000	877
Extraordinary gains, net	$0	4
Net income	$4,828,000	876
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,828,000	877
Net charge-offs	$-385,000	5,027
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$346,000	196
Net operating income	$4,572,040	896
2020-03-31 (YTD Data)		Rank
Total interest income	$9,538,000	888
Total interest expense	$1,553,000	981
Net interest income	$7,985,000	860
Provision for loan and lease losses	$300,000	1,167
Total noninterest income	$426,000	2,116
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$145,000	1,671
Trading account gains and fees	NA	NA
Additional Noninterest Income	$281,000	2,072
Total noninterest expense	$5,695,000	993
Salaries and employee benefits	$3,247,000	1,003
Premises and equipment expense	$810,000	789
Additional noninterest expense	$1,638,000	1,036
Pre-tax net operating income	$2,416,000	914
Securities gains (losses)	$322,000	267
Applicable income taxes	$827,000	524
Income before extraordinary items	$1,911,000	973
Extraordinary gains, net	$0	4
Net income	$1,911,000	973
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,911,000	973
Net charge-offs	$-11,000	4,487
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$195,000	183
Net operating income	$1,656,620	1,073
2019-12-31 (YTD Data)		Rank
Total interest income	$37,697,000	896
Total interest expense	$6,843,000	943
Net interest income	$30,854,000	882
Provision for loan and lease losses	$1,000,000	898
Total noninterest income	$1,774,000	2,097
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$543,000	1,809
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,231,000	2,016
Total noninterest expense	$22,125,000	1,005
Salaries and employee benefits	$12,726,000	992
Premises and equipment expense	$3,128,000	814
Additional noninterest expense	$6,271,000	1,056
Pre-tax net operating income	$9,503,000	1,091
Securities gains (losses)	$180,000	674
Applicable income taxes	$2,910,000	708
Income before extraordinary items	$6,773,000	1,273
Extraordinary gains, net	$0	11
Net income	$6,773,000	1,273
Minority interest net income	$0	76
Net income of bank and minority interests.	$6,773,000	1,275
Net charge-offs	$10,000	3,318
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$12,036,000	57
Net operating income	$6,630,800	1,267
2019-09-30 (YTD Data)		Rank
Total interest income	$28,277,000	898
Total interest expense	$5,159,000	949
Net interest income	$23,118,000	883
Provision for loan and lease losses	$800,000	824
Total noninterest income	$1,453,000	2,009
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$400,000	1,833
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,053,000	1,860
Total noninterest expense	$16,613,000	1,000
Salaries and employee benefits	$9,817,000	974
Premises and equipment expense	$2,320,000	824
Additional noninterest expense	$4,476,000	1,089
Pre-tax net operating income	$7,158,000	1,116
Securities gains (losses)	$180,000	563
Applicable income taxes	$2,201,000	734
Income before extraordinary items	$5,137,000	1,288
Extraordinary gains, net	$0	11
Net income	$5,137,000	1,290
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,137,000	1,290
Net charge-offs	$20,000	2,707
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$494,000	232
Net operating income	$4,994,800	1,289
2019-06-30 (YTD Data)		Rank
Total interest income	$18,690,000	903
Total interest expense	$3,367,000	952
Net interest income	$15,323,000	882
Provision for loan and lease losses	$500,000	847
Total noninterest income	$939,000	2,019
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$274,000	1,776
Trading account gains and fees	NA	NA
Additional Noninterest Income	$665,000	1,905
Total noninterest expense	$10,903,000	1,010
Salaries and employee benefits	$6,439,000	978
Premises and equipment expense	$1,512,000	848
Additional noninterest expense	$2,952,000	1,105
Pre-tax net operating income	$4,859,000	1,077
Securities gains (losses)	$0	1,702
Applicable income taxes	$1,438,000	714
Income before extraordinary items	$3,421,000	1,252
Extraordinary gains, net	$0	11
Net income	$3,421,000	1,252
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,421,000	1,252
Net charge-offs	$-15,000	4,594
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$335,000	211
Net operating income	$3,421,000	1,228
2019-03-31 (YTD Data)		Rank
Total interest income	$9,354,000	898
Total interest expense	$1,656,000	936
Net interest income	$7,698,000	879
Provision for loan and lease losses	$300,000	677
Total noninterest income	$420,000	2,114
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$141,000	1,725
Trading account gains and fees	NA	NA
Additional Noninterest Income	$279,000	2,037
Total noninterest expense	$5,198,000	1,047
Salaries and employee benefits	$3,130,000	998
Premises and equipment expense	$722,000	891
Additional noninterest expense	$1,346,000	1,169
Pre-tax net operating income	$2,620,000	983
Securities gains (losses)	$0	1,087
Applicable income taxes	$771,000	659
Income before extraordinary items	$1,849,000	1,162
Extraordinary gains, net	$0	5
Net income	$1,849,000	1,161
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,849,000	1,161
Net charge-offs	$-6,000	4,462
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$145,000	196
Net operating income	$1,849,000	1,140
2018-12-31 (YTD Data)		Rank
Total interest income	$28,614,000	1,050
Total interest expense	$3,714,000	1,208
Net interest income	$24,900,000	1,033
Provision for loan and lease losses	$1,600,000	595
Total noninterest income	$2,719,000	1,646
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$558,000	1,832
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,161,000	1,428
Total noninterest expense	$18,571,000	1,129
Salaries and employee benefits	$9,671,000	1,200
Premises and equipment expense	$2,642,000	931
Additional noninterest expense	$6,258,000	1,058
Pre-tax net operating income	$7,448,000	1,290
Securities gains (losses)	$84,000	334
Applicable income taxes	$2,274,000	808
Income before extraordinary items	$5,258,000	1,524
Extraordinary gains, net	$0	6
Net income	$5,258,000	1,523
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,258,000	1,523
Net charge-offs	$303,000	1,326
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$25,458,000	27
Net operating income	$5,191,640	1,529
2018-09-30 (YTD Data)		Rank
Total interest income	$19,168,000	1,142
Total interest expense	$2,299,000	1,330
Net interest income	$16,869,000	1,118
Provision for loan and lease losses	$1,150,000	585
Total noninterest income	$2,193,000	1,592
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$384,000	1,959
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,809,000	1,342
Total noninterest expense	$13,292,000	1,171
Salaries and employee benefits	$6,966,000	1,236
Premises and equipment expense	$1,597,000	1,106
Additional noninterest expense	$4,729,000	1,039
Pre-tax net operating income	$4,620,000	1,502
Securities gains (losses)	$84,000	324
Applicable income taxes	$1,451,000	914
Income before extraordinary items	$3,253,000	1,794
Extraordinary gains, net	$0	5
Net income	$3,253,000	1,793
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,253,000	1,793
Net charge-offs	$304,000	989
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$25,312,000	22
Net operating income	$3,186,640	1,815
2018-06-30 (YTD Data)		Rank
Total interest income	$11,404,000	1,262
Total interest expense	$1,272,000	1,481
Net interest income	$10,132,000	1,225
Provision for loan and lease losses	$700,000	620
Total noninterest income	$1,701,000	1,435
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$233,000	2,089
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,468,000	1,176
Total noninterest expense	$7,705,000	1,315
Salaries and employee benefits	$4,513,000	1,287
Premises and equipment expense	$924,000	1,265
Additional noninterest expense	$2,268,000	1,354
Pre-tax net operating income	$3,428,000	1,365
Securities gains (losses)	$0	961
Applicable income taxes	$1,050,000	856
Income before extraordinary items	$2,378,000	1,645
Extraordinary gains, net	$0	6
Net income	$2,378,000	1,645
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,378,000	1,644
Net charge-offs	$333,000	682
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$25,179,000	15
Net operating income	$2,378,000	1,628
2018-03-31 (YTD Data)		Rank
Total interest income	$5,427,000	1,312
Total interest expense	$576,000	1,533
Net interest income	$4,851,000	1,265
Provision for loan and lease losses	$300,000	673
Total noninterest income	$1,099,000	1,194
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$119,000	2,060
Trading account gains and fees	NA	NA
Additional Noninterest Income	$980,000	945
Total noninterest expense	$4,054,000	1,264
Salaries and employee benefits	$2,326,000	1,257
Premises and equipment expense	$462,000	1,284
Additional noninterest expense	$1,266,000	1,223
Pre-tax net operating income	$1,596,000	1,422
Securities gains (losses)	$0	735
Applicable income taxes	$524,000	834
Income before extraordinary items	$1,072,000	1,740
Extraordinary gains, net	$0	7
Net income	$1,072,000	1,740
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,072,000	1,740
Net charge-offs	$-9,000	4,705
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$24,515,000	10
Net operating income	$1,072,000	1,727
2017-12-31 (YTD Data)		Rank
Total interest income	$19,294,000	1,384
Total interest expense	$1,542,000	1,871
Net interest income	$17,752,000	1,335
Provision for loan and lease losses	$271,000	2,079
Total noninterest income	$2,208,000	1,910
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$427,000	2,289
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,781,000	1,641
Total noninterest expense	$12,722,000	1,548
Salaries and employee benefits	$7,482,000	1,486
Premises and equipment expense	$1,650,000	1,388
Additional noninterest expense	$3,590,000	1,673
Pre-tax net operating income	$6,967,000	1,318
Securities gains (losses)	$2,000	1,996
Applicable income taxes	$3,004,000	962
Income before extraordinary items	$3,965,000	1,618
Extraordinary gains, net	$0	9
Net income	$3,965,000	1,618
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,965,000	1,618
Net charge-offs	$115,000	2,301
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$1,108,000	211
Net operating income	$3,963,720	1,600
2017-09-30 (YTD Data)		Rank
Total interest income	$14,085,000	1,426
Total interest expense	$1,044,000	2,019
Net interest income	$13,041,000	1,362
Provision for loan and lease losses	$271,000	1,720
Total noninterest income	$1,409,000	2,130
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$319,000	2,302
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,090,000	1,882
Total noninterest expense	$9,477,000	1,569
Salaries and employee benefits	$5,473,000	1,523
Premises and equipment expense	$1,193,000	1,439
Additional noninterest expense	$2,811,000	1,594
Pre-tax net operating income	$4,702,000	1,434
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,872,000	957
Income before extraordinary items	$2,830,000	1,810
Extraordinary gains, net	$0	9
Net income	$2,830,000	1,809
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,830,000	1,810
Net charge-offs	$-95,000	5,330
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$1,032,000	187
Net operating income	$2,830,000	1,784
2017-06-30 (YTD Data)		Rank
Total interest income	$8,869,000	1,488
Total interest expense	$631,000	2,130
Net interest income	$8,238,000	1,414
Provision for loan and lease losses	$271,000	1,303
Total noninterest income	$1,030,000	2,017
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$211,000	2,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$819,000	1,754
Total noninterest expense	$6,088,000	1,616
Salaries and employee benefits	$3,710,000	1,506
Premises and equipment expense	$786,000	1,459
Additional noninterest expense	$1,592,000	1,843
Pre-tax net operating income	$2,909,000	1,500
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,167,000	994
Income before extraordinary items	$1,742,000	1,904
Extraordinary gains, net	$0	11
Net income	$1,742,000	1,904
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,742,000	1,904
Net charge-offs	$12,000	2,827
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$897,000	146
Net operating income	$1,742,000	1,880
2017-03-31 (YTD Data)		Rank
Total interest income	$4,238,000	1,542
Total interest expense	$319,000	2,074
Net interest income	$3,919,000	1,471
Provision for loan and lease losses	$169,000	1,055
Total noninterest income	$404,000	2,322
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$109,000	2,267
Trading account gains and fees	NA	NA
Additional Noninterest Income	$295,000	2,120
Total noninterest expense	$2,972,000	1,666
Salaries and employee benefits	$1,851,000	1,531
Premises and equipment expense	$385,000	1,513
Additional noninterest expense	$736,000	1,966
Pre-tax net operating income	$1,182,000	1,736
Securities gains (losses)	$0	1,153
Applicable income taxes	$472,000	1,127
Income before extraordinary items	$710,000	2,173
Extraordinary gains, net	$0	8
Net income	$710,000	2,174
Minority interest net income	$0	55
Net income of bank and minority interests.	$710,000	2,174
Net charge-offs	$-54,000	5,489
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$64,000	296
Net operating income	$710,000	2,141
2016-12-31 (YTD Data)		Rank
Total interest income	$16,273,000	1,556
Total interest expense	$1,127,000	2,239
Net interest income	$15,146,000	1,482
Provision for loan and lease losses	$530,000	1,412
Total noninterest income	$1,941,000	2,159
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$388,000	2,522
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,553,000	1,843
Total noninterest expense	$11,483,000	1,687
Salaries and employee benefits	$6,955,000	1,562
Premises and equipment expense	$1,528,000	1,495
Additional noninterest expense	$3,000,000	1,986
Pre-tax net operating income	$5,074,000	1,611
Securities gains (losses)	$-4,000	5,580
Applicable income taxes	$2,061,000	1,028
Income before extraordinary items	$3,009,000	2,107
Extraordinary gains, net	$0	5
Net income	$3,009,000	2,105
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,009,000	2,106
Net charge-offs	$37,000	3,342
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$4,107,000	107
Net operating income	$3,011,560	2,045
2016-09-30 (YTD Data)		Rank
Total interest income	$11,892,000	1,598
Total interest expense	$798,000	2,318
Net interest income	$11,094,000	1,510
Provision for loan and lease losses	$392,000	1,373
Total noninterest income	$1,563,000	2,076
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$285,000	2,553
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,278,000	1,747
Total noninterest expense	$8,681,000	1,673
Salaries and employee benefits	$5,270,000	1,536
Premises and equipment expense	$1,132,000	1,518
Additional noninterest expense	$2,279,000	1,944
Pre-tax net operating income	$3,584,000	1,696
Securities gains (losses)	$-4,000	5,742
Applicable income taxes	$1,473,000	1,092
Income before extraordinary items	$2,107,000	2,258
Extraordinary gains, net	$0	5
Net income	$2,107,000	2,257
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,107,000	2,258
Net charge-offs	$41,000	2,719
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$-2,535,000	5,961
Net operating income	$2,109,560	2,189
2016-06-30 (YTD Data)		Rank
Total interest income	$7,893,000	1,611
Total interest expense	$479,000	2,503
Net interest income	$7,414,000	1,516
Provision for loan and lease losses	$276,000	1,341
Total noninterest income	$1,072,000	2,012
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$188,000	2,539
Trading account gains and fees	$0	157
Additional Noninterest Income	$884,000	1,695
Total noninterest expense	$5,717,000	1,689
Salaries and employee benefits	$3,467,000	1,563
Premises and equipment expense	$745,000	1,531
Additional noninterest expense	$1,505,000	1,963
Pre-tax net operating income	$2,493,000	1,636
Securities gains (losses)	$-4,000	5,836
Applicable income taxes	$1,024,000	1,061
Income before extraordinary items	$1,465,000	2,176
Extraordinary gains, net	$0	16
Net income	$1,465,000	2,175
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,465,000	2,175
Net charge-offs	$43,000	2,261
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$-2,607,000	6,037
Net operating income	$1,467,560	2,103
2016-03-31 (YTD Data)		Rank
Total interest income	$3,742,000	1,699
Total interest expense	$216,000	2,704
Net interest income	$3,526,000	1,594
Provision for loan and lease losses	$138,000	1,275
Total noninterest income	$307,000	2,696
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$99,000	2,444
Trading account gains and fees	$0	142
Additional Noninterest Income	$208,000	2,574
Total noninterest expense	$2,830,000	1,713
Salaries and employee benefits	$1,747,000	1,560
Premises and equipment expense	$370,000	1,560
Additional noninterest expense	$713,000	2,049
Pre-tax net operating income	$865,000	2,149
Securities gains (losses)	$-8,000	5,967
Applicable income taxes	$353,000	1,338
Income before extraordinary items	$504,000	2,741
Extraordinary gains, net	$0	12
Net income	$504,000	2,740
Minority interest net income	$0	62
Net income of bank and minority interests.	$504,000	2,741
Net charge-offs	$0	3,094
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$30,000	388
Net operating income	$509,120	2,671
2015-12-31 (YTD Data)		Rank
Total interest income	$13,627,000	1,814
Total interest expense	$744,000	2,951
Net interest income	$12,883,000	1,700
Provision for loan and lease losses	$0	4,380
Total noninterest income	$1,704,000	2,325
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$388,000	2,566
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,316,000	2,029
Total noninterest expense	$11,363,000	1,676
Salaries and employee benefits	$6,374,000	1,658
Premises and equipment expense	$1,501,000	1,533
Additional noninterest expense	$3,488,000	1,741
Pre-tax net operating income	$3,224,000	2,207
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,312,000	1,337
Income before extraordinary items	$1,912,000	2,813
Extraordinary gains, net	$0	23
Net income	$1,912,000	2,815
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,912,000	2,816
Net charge-offs	$-36,000	5,482
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$2,019,000	146
Net operating income	$1,912,000	2,761
2015-09-30 (YTD Data)		Rank
Total interest income	$9,781,000	1,900
Total interest expense	$543,000	3,034
Net interest income	$9,238,000	1,799
Provision for loan and lease losses	$0	4,232
Total noninterest income	$1,368,000	2,240
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$300,000	2,524
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,068,000	1,942
Total noninterest expense	$8,625,000	1,678
Salaries and employee benefits	$4,784,000	1,654
Premises and equipment expense	$1,138,000	1,528
Additional noninterest expense	$2,703,000	1,674
Pre-tax net operating income	$1,981,000	2,581
Securities gains (losses)	$0	3,031
Applicable income taxes	$812,000	1,570
Income before extraordinary items	$1,169,000	3,239
Extraordinary gains, net	$0	21
Net income	$1,169,000	3,237
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,169,000	3,238
Net charge-offs	$-123,000	5,850
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$1,984,000	117
Net operating income	$1,169,000	3,183
2015-06-30 (YTD Data)		Rank
Total interest income	$6,358,000	1,939
Total interest expense	$347,000	3,144
Net interest income	$6,011,000	1,835
Provision for loan and lease losses	$0	4,069
Total noninterest income	$1,098,000	2,011
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$207,000	2,445
Trading account gains and fees	$0	157
Additional Noninterest Income	$891,000	1,676
Total noninterest expense	$5,891,000	1,645
Salaries and employee benefits	$3,156,000	1,680
Premises and equipment expense	$755,000	1,549
Additional noninterest expense	$1,980,000	1,550
Pre-tax net operating income	$1,218,000	2,707
Securities gains (losses)	$0	2,636
Applicable income taxes	$499,000	1,634
Income before extraordinary items	$719,000	3,365
Extraordinary gains, net	$0	22
Net income	$719,000	3,365
Minority interest net income	$0	75
Net income of bank and minority interests.	$719,000	3,366
Net charge-offs	$-10,000	5,254
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$1,954,000	97
Net operating income	$719,000	3,301
2015-03-31 (YTD Data)		Rank
Total interest income	$3,019,000	2,020
Total interest expense	$172,000	3,188
Net interest income	$2,847,000	1,927
Provision for loan and lease losses	$0	3,703
Total noninterest income	$381,000	2,457
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$105,000	2,396
Trading account gains and fees	$0	152
Additional Noninterest Income	$276,000	2,230
Total noninterest expense	$2,789,000	1,719
Salaries and employee benefits	$1,551,000	1,717
Premises and equipment expense	$377,000	1,566
Additional noninterest expense	$861,000	1,753
Pre-tax net operating income	$439,000	3,235
Securities gains (losses)	$0	2,027
Applicable income taxes	$180,000	1,924
Income before extraordinary items	$259,000	3,895
Extraordinary gains, net	$0	13
Net income	$259,000	3,898
Minority interest net income	$0	64
Net income of bank and minority interests.	$259,000	3,899
Net charge-offs	$-7,000	5,272
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$1,923,000	56
Net operating income	$259,000	3,812
2014-12-31 (YTD Data)		Rank
Total interest income	$9,645,000	2,481
Total interest expense	$506,000	3,987
Net interest income	$9,139,000	2,328
Provision for loan and lease losses	$-300,000	6,184
Total noninterest income	$2,465,000	1,823
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$330,000	3,036
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,135,000	1,388
Total noninterest expense	$9,078,000	2,076
Salaries and employee benefits	$5,150,000	1,989
Premises and equipment expense	$1,136,000	2,015
Additional noninterest expense	$2,792,000	2,171
Pre-tax net operating income	$2,826,000	2,365
Securities gains (losses)	$104,000	1,225
Applicable income taxes	$-1,147,000	6,429
Income before extraordinary items	$4,077,000	1,568
Extraordinary gains, net	$0	17
Net income	$4,077,000	1,566
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,077,000	1,567
Net charge-offs	$-345,000	6,340
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$5,059,000	76
Net operating income	$3,973,000	1,573
2014-09-30 (YTD Data)		Rank
Total interest income	$6,770,000	2,652
Total interest expense	$339,000	4,258
Net interest income	$6,431,000	2,480
Provision for loan and lease losses	$-300,000	6,320
Total noninterest income	$852,000	2,951
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$236,000	3,148
Trading account gains and fees	$0	174
Additional Noninterest Income	$616,000	2,606
Total noninterest expense	$6,205,000	2,273
Salaries and employee benefits	$3,523,000	2,176
Premises and equipment expense	$809,000	2,125
Additional noninterest expense	$1,873,000	2,402
Pre-tax net operating income	$1,378,000	3,193
Securities gains (losses)	$129,000	843
Applicable income taxes	$0	4,583
Income before extraordinary items	$1,507,000	2,714
Extraordinary gains, net	$0	15
Net income	$1,507,000	2,714
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,507,000	2,714
Net charge-offs	$-321,000	6,418
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$53,000	555
Net operating income	$1,378,000	2,839
2014-06-30 (YTD Data)		Rank
Total interest income	$4,375,000	2,726
Total interest expense	$209,000	4,475
Net interest income	$4,166,000	2,543
Provision for loan and lease losses	$0	4,196
Total noninterest income	$552,000	2,943
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$155,000	3,163
Trading account gains and fees	$0	172
Additional Noninterest Income	$397,000	2,632
Total noninterest expense	$4,043,000	2,317
Salaries and employee benefits	$2,293,000	2,223
Premises and equipment expense	$523,000	2,187
Additional noninterest expense	$1,227,000	2,433
Pre-tax net operating income	$675,000	3,660
Securities gains (losses)	$129,000	653
Applicable income taxes	$0	4,568
Income before extraordinary items	$804,000	3,083
Extraordinary gains, net	$0	20
Net income	$804,000	3,089
Minority interest net income	$0	80
Net income of bank and minority interests.	$804,000	3,089
Net charge-offs	$9,000	3,772
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$32,000	535
Net operating income	$675,000	3,366
2014-03-31 (YTD Data)		Rank
Total interest income	$2,146,000	2,763
Total interest expense	$98,000	4,675
Net interest income	$2,048,000	2,572
Provision for loan and lease losses	$0	3,817
Total noninterest income	$262,000	2,991
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$76,000	3,174
Trading account gains and fees	$0	147
Additional Noninterest Income	$186,000	2,660
Total noninterest expense	$2,029,000	2,308
Salaries and employee benefits	$1,149,000	2,230
Premises and equipment expense	$261,000	2,224
Additional noninterest expense	$619,000	2,414
Pre-tax net operating income	$281,000	3,918
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$281,000	3,656
Extraordinary gains, net	$0	16
Net income	$281,000	3,658
Minority interest net income	$0	66
Net income of bank and minority interests.	$281,000	3,659
Net charge-offs	$-11,000	5,794
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$15,000	508
Net operating income	$281,000	3,609
2013-12-31 (YTD Data)		Rank
Total interest income	$8,169,000	2,897
Total interest expense	$477,000	4,569
Net interest income	$7,692,000	2,705
Provision for loan and lease losses	$100,000	3,676
Total noninterest income	$1,019,000	3,157
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$282,000	3,458
Trading account gains and fees	$0	184
Additional Noninterest Income	$737,000	2,799
Total noninterest expense	$7,879,000	2,375
Salaries and employee benefits	$4,303,000	2,330
Premises and equipment expense	$1,103,000	2,060
Additional noninterest expense	$2,473,000	2,497
Pre-tax net operating income	$732,000	4,542
Securities gains (losses)	$66,000	1,605
Applicable income taxes	$-447,000	6,629
Income before extraordinary items	$1,245,000	3,479
Extraordinary gains, net	$0	29
Net income	$1,245,000	3,480
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,245,000	3,482
Net charge-offs	$203,000	2,998
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$61,000	624
Net operating income	$1,179,000	3,556
2013-09-30 (YTD Data)		Rank
Total interest income	$6,101,000	2,931
Total interest expense	$395,000	4,439
Net interest income	$5,706,000	2,732
Provision for loan and lease losses	$100,000	3,343
Total noninterest income	$678,000	3,450
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$211,000	3,491
Trading account gains and fees	$0	180
Additional Noninterest Income	$467,000	3,117
Total noninterest expense	$5,890,000	2,381
Salaries and employee benefits	$3,214,000	2,345
Premises and equipment expense	$835,000	2,065
Additional noninterest expense	$1,841,000	2,486
Pre-tax net operating income	$394,000	5,045
Securities gains (losses)	$48,000	1,686
Applicable income taxes	$0	4,713
Income before extraordinary items	$442,000	4,779
Extraordinary gains, net	$0	25
Net income	$442,000	4,781
Minority interest net income	$0	84
Net income of bank and minority interests.	$442,000	4,782
Net charge-offs	$370,000	1,908
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$72,000	514
Net operating income	$394,000	4,839
2013-06-30 (YTD Data)		Rank
Total interest income	$3,966,000	2,994
Total interest expense	$275,000	4,406
Net interest income	$3,691,000	2,796
Provision for loan and lease losses	$100,000	2,924
Total noninterest income	$320,000	4,103
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$144,000	3,411
Trading account gains and fees	$0	157
Additional Noninterest Income	$176,000	3,985
Total noninterest expense	$3,981,000	2,354
Salaries and employee benefits	$2,152,000	2,345
Premises and equipment expense	$566,000	2,041
Additional noninterest expense	$1,263,000	2,423
Pre-tax net operating income	$-70,000	6,437
Securities gains (losses)	$0	2,791
Applicable income taxes	$0	4,679
Income before extraordinary items	$-70,000	6,490
Extraordinary gains, net	$0	22
Net income	$-70,000	6,491
Minority interest net income	$0	82
Net income of bank and minority interests.	$-70,000	6,491
Net charge-offs	$288,000	1,733
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$48,000	484
Net operating income	$-70,000	6,449
2013-03-31 (YTD Data)		Rank
Total interest income	$1,995,000	2,992
Total interest expense	$145,000	4,388
Net interest income	$1,850,000	2,796
Provision for loan and lease losses	$100,000	2,044
Total noninterest income	$140,000	4,307
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$74,000	3,357
Trading account gains and fees	$0	148
Additional Noninterest Income	$66,000	4,354
Total noninterest expense	$2,026,000	2,336
Salaries and employee benefits	$1,064,000	2,387
Premises and equipment expense	$287,000	2,042
Additional noninterest expense	$675,000	2,306
Pre-tax net operating income	$-136,000	6,660
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$-136,000	6,697
Extraordinary gains, net	$0	10
Net income	$-136,000	6,698
Minority interest net income	$0	76
Net income of bank and minority interests.	$-136,000	6,698
Net charge-offs	$484,000	786
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$24,000	446
Net operating income	$-136,000	6,668
2012-12-31 (YTD Data)		Rank
Total interest income	$8,772,000	2,880
Total interest expense	$795,000	4,135
Net interest income	$7,977,000	2,667
Provision for loan and lease losses	$110,000	4,578
Total noninterest income	$651,000	4,024
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$389,000	2,981
Trading account gains and fees	$0	166
Additional Noninterest Income	$262,000	4,227
Total noninterest expense	$7,811,000	2,429
Salaries and employee benefits	$4,050,000	2,415
Premises and equipment expense	$1,254,000	1,877
Additional noninterest expense	$2,507,000	2,556
Pre-tax net operating income	$707,000	4,503
Securities gains (losses)	$53,000	2,698
Applicable income taxes	$-378,000	6,866
Income before extraordinary items	$1,138,000	3,664
Extraordinary gains, net	$0	29
Net income	$1,138,000	3,666
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,138,000	3,667
Net charge-offs	$393,000	2,957
Cash dividends	$222,000	3,540
Sale, conversion, retirement of capital stock, net	$-1,110,000	7,060
Net operating income	$1,085,000	3,579
2012-09-30 (YTD Data)		Rank
Total interest income	$6,724,000	2,889
Total interest expense	$624,000	4,149
Net interest income	$6,100,000	2,678
Provision for loan and lease losses	$110,000	4,250
Total noninterest income	$440,000	4,255
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$297,000	2,987
Trading account gains and fees	$0	157
Additional Noninterest Income	$143,000	4,700
Total noninterest expense	$5,965,000	2,380
Salaries and employee benefits	$3,146,000	2,348
Premises and equipment expense	$919,000	1,937
Additional noninterest expense	$1,900,000	2,542
Pre-tax net operating income	$465,000	4,800
Securities gains (losses)	$36,000	2,615
Applicable income taxes	$0	4,802
Income before extraordinary items	$501,000	4,645
Extraordinary gains, net	$0	20
Net income	$501,000	4,643
Minority interest net income	$0	86
Net income of bank and minority interests.	$501,000	4,643
Net charge-offs	$392,000	2,483
Cash dividends	$167,000	3,041
Sale, conversion, retirement of capital stock, net	$89,000	489
Net operating income	$465,000	4,568
2012-06-30 (YTD Data)		Rank
Total interest income	$4,477,000	2,918
Total interest expense	$438,000	4,137
Net interest income	$4,039,000	2,699
Provision for loan and lease losses	$110,000	3,752
Total noninterest income	$314,000	4,125
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$195,000	3,007
Trading account gains and fees	$0	153
Additional Noninterest Income	$119,000	4,411
Total noninterest expense	$4,002,000	2,364
Salaries and employee benefits	$2,160,000	2,294
Premises and equipment expense	$601,000	1,963
Additional noninterest expense	$1,241,000	2,602
Pre-tax net operating income	$241,000	5,095
Securities gains (losses)	$21,000	2,473
Applicable income taxes	$0	4,770
Income before extraordinary items	$262,000	4,995
Extraordinary gains, net	$0	19
Net income	$262,000	4,998
Minority interest net income	$0	84
Net income of bank and minority interests.	$262,000	4,998
Net charge-offs	$208,000	2,712
Cash dividends	$111,000	2,929
Sale, conversion, retirement of capital stock, net	$59,000	468
Net operating income	$241,000	4,908
2012-03-31 (YTD Data)		Rank
Total interest income	$2,253,000	2,938
Total interest expense	$226,000	4,169
Net interest income	$2,027,000	2,697
Provision for loan and lease losses	$110,000	2,755
Total noninterest income	$153,000	4,185
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$107,000	2,775
Trading account gains and fees	$0	148
Additional Noninterest Income	$46,000	4,834
Total noninterest expense	$1,997,000	2,368
Salaries and employee benefits	$1,082,000	2,307
Premises and equipment expense	$306,000	1,945
Additional noninterest expense	$609,000	2,629
Pre-tax net operating income	$73,000	5,682
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$73,000	5,699
Extraordinary gains, net	$0	19
Net income	$73,000	5,699
Minority interest net income	$0	78
Net income of bank and minority interests.	$73,000	5,699
Net charge-offs	$14,000	3,886
Cash dividends	$56,000	2,370
Sale, conversion, retirement of capital stock, net	$30,000	414
Net operating income	$73,000	5,550
2011-12-31 (YTD Data)		Rank
Total interest income	$9,454,000	2,902
Total interest expense	$1,142,000	4,088
Net interest income	$8,312,000	2,637
Provision for loan and lease losses	$800,000	2,741
Total noninterest income	$593,000	4,093
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$355,000	3,276
Trading account gains and fees	$0	146
Additional Noninterest Income	$238,000	4,205
Total noninterest expense	$7,407,000	2,538
Salaries and employee benefits	$4,051,000	2,373
Premises and equipment expense	$1,245,000	1,987
Additional noninterest expense	$2,111,000	2,985
Pre-tax net operating income	$698,000	4,292
Securities gains (losses)	$40,000	2,721
Applicable income taxes	$-353,000	7,005
Income before extraordinary items	$1,091,000	3,385
Extraordinary gains, net	$0	29
Net income	$1,091,000	3,388
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,091,000	3,388
Net charge-offs	$525,000	3,113
Cash dividends	$222,000	3,266
Sale, conversion, retirement of capital stock, net	$3,134,000	201
Net operating income	$1,051,000	3,340
2011-09-30 (YTD Data)		Rank
Total interest income	$7,068,000	2,950
Total interest expense	$900,000	4,092
Net interest income	$6,168,000	2,668
Provision for loan and lease losses	$680,000	2,481
Total noninterest income	$466,000	4,023
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$264,000	3,290
Trading account gains and fees	$0	145
Additional Noninterest Income	$202,000	4,075
Total noninterest expense	$5,537,000	2,548
Salaries and employee benefits	$3,047,000	2,368
Premises and equipment expense	$931,000	2,018
Additional noninterest expense	$1,559,000	3,038
Pre-tax net operating income	$417,000	4,716
Securities gains (losses)	$0	3,555
Applicable income taxes	$1,000	4,642
Income before extraordinary items	$416,000	4,600
Extraordinary gains, net	$0	21
Net income	$416,000	4,601
Minority interest net income	$0	87
Net income of bank and minority interests.	$416,000	4,600
Net charge-offs	$447,000	2,795
Cash dividends	$167,000	2,834
Sale, conversion, retirement of capital stock, net	$3,125,000	164
Net operating income	$416,000	4,478
2011-06-30 (YTD Data)		Rank
Total interest income	$4,732,000	2,950
Total interest expense	$627,000	4,094
Net interest income	$4,105,000	2,680
Provision for loan and lease losses	$500,000	2,302
Total noninterest income	$343,000	3,858
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$179,000	3,231
Trading account gains and fees	$0	153
Additional Noninterest Income	$164,000	3,811
Total noninterest expense	$3,696,000	2,568
Salaries and employee benefits	$2,015,000	2,410
Premises and equipment expense	$615,000	2,051
Additional noninterest expense	$1,066,000	3,038
Pre-tax net operating income	$252,000	4,827
Securities gains (losses)	$0	2,914
Applicable income taxes	$1,000	4,573
Income before extraordinary items	$251,000	4,703
Extraordinary gains, net	$0	15
Net income	$251,000	4,701
Minority interest net income	$0	89
Net income of bank and minority interests.	$251,000	4,703
Net charge-offs	$328,000	2,590
Cash dividends	$111,000	2,729
Sale, conversion, retirement of capital stock, net	$3,033,000	85
Net operating income	$251,000	4,614
2011-03-31 (YTD Data)		Rank
Total interest income	$2,407,000	2,919
Total interest expense	$320,000	4,132
Net interest income	$2,087,000	2,631
Provision for loan and lease losses	$300,000	1,892
Total noninterest income	$193,000	3,661
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$88,000	3,243
Trading account gains and fees	$0	158
Additional Noninterest Income	$105,000	3,488
Total noninterest expense	$1,822,000	2,605
Salaries and employee benefits	$996,000	2,442
Premises and equipment expense	$286,000	2,228
Additional noninterest expense	$540,000	2,992
Pre-tax net operating income	$158,000	4,574
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$158,000	4,364
Extraordinary gains, net	$0	9
Net income	$158,000	4,363
Minority interest net income	$0	86
Net income of bank and minority interests.	$158,000	4,364
Net charge-offs	$34,000	3,663
Cash dividends	$56,000	2,193
Sale, conversion, retirement of capital stock, net	$16,000	601
Net operating income	$158,000	4,303
2010-12-31 (YTD Data)		Rank
Total interest income	$6,684,000	4,025
Total interest expense	$1,282,000	4,644
Net interest income	$5,402,000	3,753
Provision for loan and lease losses	$1,135,000	2,866
Total noninterest income	$493,000	4,593
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$278,000	3,784
Trading account gains and fees	$0	175
Additional Noninterest Income	$215,000	4,484
Total noninterest expense	$5,531,000	3,322
Salaries and employee benefits	$2,918,000	3,195
Premises and equipment expense	$845,000	2,854
Additional noninterest expense	$1,768,000	3,575
Pre-tax net operating income	$-771,000	6,382
Securities gains (losses)	$94,000	2,220
Applicable income taxes	$1,000	4,548
Income before extraordinary items	$-678,000	6,449
Extraordinary gains, net	$0	29
Net income	$-678,000	6,450
Minority interest net income	$0	111
Net income of bank and minority interests.	$-678,000	6,450
Net charge-offs	$883,000	2,865
Cash dividends	$215,000	3,225
Sale, conversion, retirement of capital stock, net	$75,000	854
Net operating income	$-772,000	6,450
2010-09-30 (YTD Data)		Rank
Total interest income	$4,711,000	4,263
Total interest expense	$973,000	4,766
Net interest income	$3,738,000	4,019
Provision for loan and lease losses	$330,000	4,186
Total noninterest income	$405,000	4,486
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$201,000	3,937
Trading account gains and fees	$0	165
Additional Noninterest Income	$204,000	4,150
Total noninterest expense	$3,893,000	3,504
Salaries and employee benefits	$2,099,000	3,322
Premises and equipment expense	$612,000	2,983
Additional noninterest expense	$1,182,000	3,845
Pre-tax net operating income	$-80,000	6,137
Securities gains (losses)	$93,000	1,997
Applicable income taxes	$1,000	4,603
Income before extraordinary items	$12,000	6,075
Extraordinary gains, net	$0	23
Net income	$12,000	6,076
Minority interest net income	$0	110
Net income of bank and minority interests.	$12,000	6,076
Net charge-offs	$666,000	2,700
Cash dividends	$159,000	2,888
Sale, conversion, retirement of capital stock, net	$63,000	784
Net operating income	$-73,560	6,165
2010-06-30 (YTD Data)		Rank
Total interest income	$3,053,000	4,397
Total interest expense	$674,000	4,779
Net interest income	$2,379,000	4,143
Provision for loan and lease losses	$182,000	4,350
Total noninterest income	$282,000	4,389
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$132,000	3,957
Trading account gains and fees	$0	152
Additional Noninterest Income	$150,000	3,983
Total noninterest expense	$2,558,000	3,563
Salaries and employee benefits	$1,456,000	3,227
Premises and equipment expense	$398,000	3,066
Additional noninterest expense	$704,000	4,142
Pre-tax net operating income	$-79,000	6,240
Securities gains (losses)	$0	3,184
Applicable income taxes	$1,000	4,552
Income before extraordinary items	$-80,000	6,377
Extraordinary gains, net	$0	19
Net income	$-80,000	6,379
Minority interest net income	$0	105
Net income of bank and minority interests.	$-80,000	6,377
Net charge-offs	$246,000	3,298
Cash dividends	$104,000	2,789
Sale, conversion, retirement of capital stock, net	$51,000	659
Net operating income	$-80,000	6,299
2010-03-31 (YTD Data)		Rank
Total interest income	$1,409,000	4,673
Total interest expense	$344,000	4,872
Net interest income	$1,065,000	4,480
Provision for loan and lease losses	$0	6,552
Total noninterest income	$97,000	5,108
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$64,000	4,014
Trading account gains and fees	$0	175
Additional Noninterest Income	$33,000	5,318
Total noninterest expense	$1,320,000	3,502
Salaries and employee benefits	$762,000	3,141
Premises and equipment expense	$200,000	3,115
Additional noninterest expense	$358,000	4,080
Pre-tax net operating income	$-158,000	6,776
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-158,000	6,869
Extraordinary gains, net	$0	16
Net income	$-158,000	6,870
Minority interest net income	$0	91
Net income of bank and minority interests.	$-158,000	6,869
Net charge-offs	$112,000	2,997
Cash dividends	$48,000	2,302
Sale, conversion, retirement of capital stock, net	$32,000	534
Net operating income	$-158,000	6,828
2009-12-31 (YTD Data)		Rank
Total interest income	$5,423,000	4,896
Total interest expense	$1,574,000	5,060
Net interest income	$3,849,000	4,674
Provision for loan and lease losses	$700,000	4,039
Total noninterest income	$238,000	5,989
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$218,000	4,490
Trading account gains and fees	$0	211
Additional Noninterest Income	$20,000	6,957
Total noninterest expense	$4,592,000	3,936
Salaries and employee benefits	$2,462,000	3,733
Premises and equipment expense	$844,000	2,980
Additional noninterest expense	$1,286,000	4,539
Pre-tax net operating income	$-1,205,000	6,335
Securities gains (losses)	$238,000	1,417
Applicable income taxes	$1,000	4,275
Income before extraordinary items	$-968,000	6,349
Extraordinary gains, net	$0	34
Net income	$-968,000	6,349
Minority interest net income	$0	115
Net income of bank and minority interests.	$-968,000	6,349
Net charge-offs	$832,000	3,116
Cash dividends	$72,000	4,311
Sale, conversion, retirement of capital stock, net	$4,300,000	209
Net operating income	$-1,206,000	6,451
2009-09-30 (YTD Data)		Rank
Total interest income	$4,091,000	4,942
Total interest expense	$1,201,000	5,147
Net interest income	$2,890,000	4,692
Provision for loan and lease losses	$500,000	3,787
Total noninterest income	$304,000	5,168
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$152,000	4,656
Trading account gains and fees	$0	212
Additional Noninterest Income	$152,000	4,737
Total noninterest expense	$3,834,000	3,614
Salaries and employee benefits	$1,800,000	3,857
Premises and equipment expense	$643,000	2,973
Additional noninterest expense	$1,391,000	3,470
Pre-tax net operating income	$-1,140,000	6,725
Securities gains (losses)	$238,000	1,172
Applicable income taxes	$1,000	4,465
Income before extraordinary items	$-903,000	6,698
Extraordinary gains, net	$0	27
Net income	$-903,000	6,699
Minority interest net income	$0	118
Net income of bank and minority interests.	$-903,000	6,699
Net charge-offs	$774,000	2,520
Cash dividends	$42,000	3,948
Sale, conversion, retirement of capital stock, net	$2,289,000	256
Net operating income	$-1,141,000	6,812
2009-06-30 (YTD Data)		Rank
Total interest income	$2,700,000	5,014
Total interest expense	$778,000	5,335
Net interest income	$1,922,000	4,702
Provision for loan and lease losses	$500,000	2,961
Total noninterest income	$219,000	5,067
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$93,000	4,785
Trading account gains and fees	$0	193
Additional Noninterest Income	$126,000	4,407
Total noninterest expense	$2,538,000	3,679
Salaries and employee benefits	$1,226,000	3,825
Premises and equipment expense	$435,000	2,974
Additional noninterest expense	$877,000	3,623
Pre-tax net operating income	$-897,000	6,956
Securities gains (losses)	$238,000	912
Applicable income taxes	$1,000	4,523
Income before extraordinary items	$-660,000	6,913
Extraordinary gains, net	$0	21
Net income	$-660,000	6,913
Minority interest net income	$0	112
Net income of bank and minority interests.	$-660,000	6,913
Net charge-offs	$661,000	2,038
Cash dividends	$12,000	3,920
Sale, conversion, retirement of capital stock, net	$2,253,000	195
Net operating income	$-898,000	7,075
2009-03-31 (YTD Data)		Rank
Total interest income	$1,336,000	5,075
Total interest expense	$383,000	5,477
Net interest income	$953,000	4,717
Provision for loan and lease losses	$40,000	5,160
Total noninterest income	$68,000	5,878
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$46,000	4,770
Trading account gains and fees	$0	171
Additional Noninterest Income	$22,000	6,048
Total noninterest expense	$1,210,000	3,734
Salaries and employee benefits	$610,000	3,874
Premises and equipment expense	$226,000	2,928
Additional noninterest expense	$374,000	3,766
Pre-tax net operating income	$-229,000	6,934
Securities gains (losses)	$238,000	593
Applicable income taxes	$0	4,835
Income before extraordinary items	$9,000	6,292
Extraordinary gains, net	$0	15
Net income	$9,000	6,294
Minority interest net income	$0	102
Net income of bank and minority interests.	$9,000	6,294
Net charge-offs	$135,000	2,522
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$40,000	558
Net operating income	$-229,000	7,014
2008-12-31 (YTD Data)		Rank
Total interest income	$4,924,000	5,504
Total interest expense	$1,301,000	6,263
Net interest income	$3,623,000	4,876
Provision for loan and lease losses	$2,841,000	1,452
Total noninterest income	$126,000	7,056
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$167,000	5,111
Trading account gains and fees	$0	154
Additional Noninterest Income	$-41,000	8,081
Total noninterest expense	$6,699,000	2,788
Salaries and employee benefits	$2,983,000	3,262
Premises and equipment expense	$1,041,000	2,529
Additional noninterest expense	$2,675,000	2,224
Pre-tax net operating income	$-5,791,000	7,848
Securities gains (losses)	$0	3,220
Applicable income taxes	$1,000	4,863
Income before extraordinary items	$-5,792,000	7,859
Extraordinary gains, net	$0	39
Net income	$-5,792,000	7,859
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,180,000	1,784
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$124,000	911
Net operating income	$-5,792,000	7,905
2008-09-30 (YTD Data)		Rank
Total interest income	$3,570,000	5,677
Total interest expense	$919,000	6,518
Net interest income	$2,651,000	4,978
Provision for loan and lease losses	$1,446,000	1,464
Total noninterest income	$214,000	5,985
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$119,000	5,242
Trading account gains and fees	$0	148
Additional Noninterest Income	$95,000	5,713
Total noninterest expense	$3,877,000	3,456
Salaries and employee benefits	$2,219,000	3,336
Premises and equipment expense	$701,000	2,795
Additional noninterest expense	$957,000	3,993
Pre-tax net operating income	$-2,458,000	7,937
Securities gains (losses)	$0	3,106
Applicable income taxes	$1,000	5,240
Income before extraordinary items	$-2,459,000	7,947
Extraordinary gains, net	$0	31
Net income	$-2,459,000	7,946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$766,000	1,531
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$90,000	811
Net operating income	$-2,459,000	8,012
2008-06-30 (YTD Data)		Rank
Total interest income	$2,323,000	5,802
Total interest expense	$609,000	6,651
Net interest income	$1,714,000	5,086
Provision for loan and lease losses	$596,000	1,714
Total noninterest income	$169,000	5,768
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$67,000	5,545
Trading account gains and fees	$0	149
Additional Noninterest Income	$102,000	5,021
Total noninterest expense	$2,583,000	3,471
Salaries and employee benefits	$1,474,000	3,375
Premises and equipment expense	$465,000	2,814
Additional noninterest expense	$644,000	3,956
Pre-tax net operating income	$-1,296,000	8,027
Securities gains (losses)	$0	3,233
Applicable income taxes	$0	5,627
Income before extraordinary items	$-1,296,000	8,103
Extraordinary gains, net	$0	21
Net income	$-1,296,000	8,103
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$600,000	1,174
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$60,000	718
Net operating income	$-1,296,000	8,089
2008-03-31 (YTD Data)		Rank
Total interest income	$1,204,000	5,792
Total interest expense	$338,000	6,593
Net interest income	$866,000	5,063
Provision for loan and lease losses	$0	6,080
Total noninterest income	$51,000	6,636
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$26,000	5,880
Trading account gains and fees	$0	158
Additional Noninterest Income	$25,000	6,173
Total noninterest expense	$1,362,000	3,343
Salaries and employee benefits	$785,000	3,222
Premises and equipment expense	$231,000	2,839
Additional noninterest expense	$346,000	3,710
Pre-tax net operating income	$-445,000	8,049
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$-445,000	8,112
Extraordinary gains, net	$0	15
Net income	$-445,000	8,111
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	3,138
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$29,000	608
Net operating income	$-445,000	8,097
2007-12-31 (YTD Data)		Rank
Total interest income	$4,919,000	5,764
Total interest expense	$1,418,000	6,543
Net interest income	$3,501,000	5,031
Provision for loan and lease losses	$0	6,851
Total noninterest income	$796,000	4,017
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$133,000	5,611
Trading account gains and fees	$0	178
Additional Noninterest Income	$663,000	2,840
Total noninterest expense	$4,565,000	3,715
Salaries and employee benefits	$2,613,000	3,599
Premises and equipment expense	$500,000	4,362
Additional noninterest expense	$1,452,000	3,512
Pre-tax net operating income	$-268,000	7,693
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,000	5,973
Income before extraordinary items	$-269,000	7,756
Extraordinary gains, net	$0	39
Net income	$-269,000	7,754
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$413,000	1,915
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$105,000	918
Net operating income	$-269,000	7,742
2007-09-30 (YTD Data)		Rank
Total interest income	$3,665,000	5,807
Total interest expense	$1,042,000	6,616
Net interest income	$2,623,000	5,047
Provision for loan and lease losses	$0	6,528
Total noninterest income	$745,000	3,553
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$107,000	5,522
Trading account gains and fees	$0	184
Additional Noninterest Income	$638,000	2,469
Total noninterest expense	$3,447,000	3,674
Salaries and employee benefits	$2,036,000	3,478
Premises and equipment expense	$354,000	4,513
Additional noninterest expense	$1,057,000	3,543
Pre-tax net operating income	$-79,000	7,780
Securities gains (losses)	$0	1,655
Applicable income taxes	$1,000	6,113
Income before extraordinary items	$-80,000	7,827
Extraordinary gains, net	$0	33
Net income	$-80,000	7,824
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$260,000	1,653
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$66,000	843
Net operating income	$-80,000	7,812
2007-06-30 (YTD Data)		Rank
Total interest income	$2,366,000	5,913
Total interest expense	$643,000	6,775
Net interest income	$1,723,000	5,126
Provision for loan and lease losses	$0	6,209
Total noninterest income	$492,000	3,595
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$75,000	5,454
Trading account gains and fees	$0	168
Additional Noninterest Income	$417,000	2,517
Total noninterest expense	$2,180,000	3,863
Salaries and employee benefits	$1,341,000	3,543
Premises and equipment expense	$209,000	4,881
Additional noninterest expense	$630,000	3,875
Pre-tax net operating income	$35,000	7,611
Securities gains (losses)	$0	1,444
Applicable income taxes	$1,000	6,141
Income before extraordinary items	$34,000	7,595
Extraordinary gains, net	$0	29
Net income	$34,000	7,594
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,000	1,815
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$37,000	794
Net operating income	$34,000	7,583
2007-03-31 (YTD Data)		Rank
Total interest income	$1,158,000	5,971
Total interest expense	$311,000	6,842
Net interest income	$847,000	5,192
Provision for loan and lease losses	$0	5,779
Total noninterest income	$181,000	4,244
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$37,000	5,442
Trading account gains and fees	$0	195
Additional Noninterest Income	$144,000	3,096
Total noninterest expense	$1,021,000	4,078
Salaries and employee benefits	$648,000	3,675
Premises and equipment expense	$95,000	5,198
Additional noninterest expense	$278,000	4,188
Pre-tax net operating income	$7,000	7,774
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$7,000	7,783
Extraordinary gains, net	$0	22
Net income	$7,000	7,782
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,049
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$18,000	684
Net operating income	$7,000	7,762
2006-12-31 (YTD Data)		Rank
Total interest income	$3,779,000	6,258
Total interest expense	$1,258,000	6,498
Net interest income	$2,521,000	6,000
Provision for loan and lease losses	$525,000	1,821
Total noninterest income	$287,000	6,263
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$178,000	5,206
Trading account gains and fees	$0	130
Additional Noninterest Income	$109,000	6,186
Total noninterest expense	$3,872,000	4,082
Salaries and employee benefits	$2,303,000	3,850
Premises and equipment expense	$362,000	5,232
Additional noninterest expense	$1,207,000	3,912
Pre-tax net operating income	$-1,589,000	8,539
Securities gains (losses)	$0	1,687
Applicable income taxes	$1,000	6,499
Income before extraordinary items	$-1,590,000	8,558
Extraordinary gains, net	$0	51
Net income	$-1,590,000	8,558
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,661
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$18,101,000	95
Net operating income	$-1,590,000	8,549
2006-09-30 (YTD Data)		Rank
Total interest income	$2,637,000	6,436
Total interest expense	$939,000	6,463
Net interest income	$1,698,000	6,317
Provision for loan and lease losses	$70,000	4,662
Total noninterest income	$235,000	6,153
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$139,000	5,188
Trading account gains and fees	$0	126
Additional Noninterest Income	$96,000	5,919
Total noninterest expense	$2,844,000	4,134
Salaries and employee benefits	$1,735,000	3,826
Premises and equipment expense	$267,000	5,276
Additional noninterest expense	$842,000	4,119
Pre-tax net operating income	$-981,000	8,584
Securities gains (losses)	$0	1,388
Applicable income taxes	$1,000	6,574
Income before extraordinary items	$-982,000	8,603
Extraordinary gains, net	$0	45
Net income	$-982,000	8,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	5,107
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$18,092,000	69
Net operating income	$-982,000	8,595
2006-06-30 (YTD Data)		Rank
Total interest income	$1,735,000	6,461
Total interest expense	$619,000	6,376
Net interest income	$1,116,000	6,398
Provision for loan and lease losses	$50,000	4,407
Total noninterest income	$144,000	6,304
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$94,000	5,152
Trading account gains and fees	$0	126
Additional Noninterest Income	$50,000	6,377
Total noninterest expense	$2,001,000	4,007
Salaries and employee benefits	$1,244,000	3,631
Premises and equipment expense	$171,000	5,399
Additional noninterest expense	$586,000	3,986
Pre-tax net operating income	$-791,000	8,653
Securities gains (losses)	$0	1,185
Applicable income taxes	$1,000	6,575
Income before extraordinary items	$-792,000	8,668
Extraordinary gains, net	$0	39
Net income	$-792,000	8,668
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	$553,000	317
Net operating income	$-792,000	8,660
2006-03-31 (YTD Data)		Rank
Total interest income	$850,000	6,495
Total interest expense	$297,000	6,399
Net interest income	$553,000	6,429
Provision for loan and lease losses	$20,000	4,517
Total noninterest income	$68,000	6,391
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$45,000	5,172
Trading account gains and fees	$0	115
Additional Noninterest Income	$23,000	6,492
Total noninterest expense	$963,000	4,116
Salaries and employee benefits	$540,000	4,063
Premises and equipment expense	$85,000	5,458
Additional noninterest expense	$338,000	3,540
Pre-tax net operating income	$-362,000	8,645
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-362,000	8,664
Extraordinary gains, net	$0	21
Net income	$-362,000	8,663
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	$536,000	175
Net operating income	$-362,000	8,655
2005-12-31 (YTD Data)		Rank
Total interest income	$3,243,000	6,397
Total interest expense	$1,135,000	5,967
Net interest income	$2,108,000	6,514
Provision for loan and lease losses	$255,000	3,113
Total noninterest income	$351,000	6,010
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$143,000	5,697
Trading account gains and fees	$0	138
Additional Noninterest Income	$208,000	5,082
Total noninterest expense	$2,727,000	5,084
Salaries and employee benefits	$1,466,000	5,126
Premises and equipment expense	$359,000	5,199
Additional noninterest expense	$902,000	4,760
Pre-tax net operating income	$-523,000	8,509
Securities gains (losses)	$0	2,296
Applicable income taxes	$1,000	6,850
Income before extraordinary items	$-524,000	8,553
Extraordinary gains, net	$0	46
Net income	$-524,000	8,553
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,288
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$1,000	925
Net operating income	$-524,000	8,535
2005-09-30 (YTD Data)		Rank
Total interest income	$2,358,000	6,475
Total interest expense	$838,000	5,889
Net interest income	$1,520,000	6,642
Provision for loan and lease losses	$225,000	2,711
Total noninterest income	$227,000	6,340
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$103,000	5,805
Trading account gains and fees	$0	126
Additional Noninterest Income	$124,000	5,547
Total noninterest expense	$1,888,000	5,320
Salaries and employee benefits	$1,026,000	5,337
Premises and equipment expense	$266,000	5,221
Additional noninterest expense	$596,000	5,144
Pre-tax net operating income	$-366,000	8,561
Securities gains (losses)	$0	2,317
Applicable income taxes	$1,000	6,867
Income before extraordinary items	$-367,000	8,597
Extraordinary gains, net	$0	35
Net income	$-367,000	8,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$1,000	763
Net operating income	$-367,000	8,568
2005-06-30 (YTD Data)		Rank
Total interest income	$1,482,000	6,603
Total interest expense	$542,000	5,837
Net interest income	$940,000	6,816
Provision for loan and lease losses	$135,000	2,835
Total noninterest income	$162,000	6,187
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$64,000	5,897
Trading account gains and fees	$0	116
Additional Noninterest Income	$98,000	5,236
Total noninterest expense	$1,204,000	5,464
Salaries and employee benefits	$658,000	5,439
Premises and equipment expense	$170,000	5,363
Additional noninterest expense	$376,000	5,299
Pre-tax net operating income	$-237,000	8,578
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,000	6,848
Income before extraordinary items	$-238,000	8,608
Extraordinary gains, net	$0	30
Net income	$-238,000	8,608
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	$-238,000	8,581
2005-03-31 (YTD Data)		Rank
Total interest income	$667,000	6,854
Total interest expense	$236,000	6,128
Net interest income	$431,000	7,084
Provision for loan and lease losses	$36,000	3,732
Total noninterest income	$96,000	5,780
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$28,000	6,092
Trading account gains and fees	$0	115
Additional Noninterest Income	$68,000	4,510
Total noninterest expense	$617,000	5,426
Salaries and employee benefits	$359,000	5,198
Premises and equipment expense	$78,000	5,638
Additional noninterest expense	$180,000	5,414
Pre-tax net operating income	$-126,000	8,675
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-126,000	8,695
Extraordinary gains, net	$0	24
Net income	$-126,000	8,695
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	$-126,000	8,676
2004-12-31 (YTD Data)		Rank
Total interest income	$1,661,000	7,728
Total interest expense	$365,000	7,820
Net interest income	$1,296,000	7,611
Provision for loan and lease losses	$146,000	4,313
Total noninterest income	$458,000	5,487
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$113,000	6,287
Trading account gains and fees	$0	138
Additional Noninterest Income	$345,000	4,000
Total noninterest expense	$1,547,000	6,806
Salaries and employee benefits	$788,000	6,977
Premises and equipment expense	$230,000	6,406
Additional noninterest expense	$529,000	6,380
Pre-tax net operating income	$61,000	8,213
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$61,000	8,242
Extraordinary gains, net	$0	34
Net income	$61,000	8,242
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	6,475
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$1,315,000	376
Net operating income	$61,000	8,198
2004-09-30 (YTD Data)		Rank
Total interest income	$1,102,000	7,951
Total interest expense	$232,000	8,076
Net interest income	$870,000	7,835
Provision for loan and lease losses	$50,000	5,368
Total noninterest income	$179,000	6,894
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$79,000	6,439
Trading account gains and fees	$0	134
Additional Noninterest Income	$100,000	5,916
Total noninterest expense	$1,073,000	6,984
Salaries and employee benefits	$513,000	7,294
Premises and equipment expense	$168,000	6,459
Additional noninterest expense	$392,000	6,373
Pre-tax net operating income	$-74,000	8,577
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$-74,000	8,603
Extraordinary gains, net	$0	26
Net income	$-74,000	8,606
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	5,778
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-74,000	8,576
2004-06-30 (YTD Data)		Rank
Total interest income	$650,000	8,193
Total interest expense	$132,000	8,333
Net interest income	$518,000	8,047
Provision for loan and lease losses	$25,000	5,618
Total noninterest income	$123,000	6,850
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$48,000	6,596
Trading account gains and fees	$0	130
Additional Noninterest Income	$75,000	5,718
Total noninterest expense	$730,000	6,970
Salaries and employee benefits	$358,000	7,240
Premises and equipment expense	$110,000	6,547
Additional noninterest expense	$262,000	6,389
Pre-tax net operating income	$-114,000	8,702
Securities gains (losses)	$0	3,413
Applicable income taxes	$1,000	7,109
Income before extraordinary items	$-115,000	8,733
Extraordinary gains, net	$0	21
Net income	$-115,000	8,735
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,839
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-115,000	8,706
2004-03-31 (YTD Data)		Rank
Total interest income	$294,000	8,374
Total interest expense	$62,000	8,451
Net interest income	$232,000	8,254
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$36,000	7,745
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$23,000	6,604
Trading account gains and fees	$0	121
Additional Noninterest Income	$13,000	7,451
Total noninterest expense	$373,000	6,959
Salaries and employee benefits	$177,000	7,312
Premises and equipment expense	$56,000	6,504
Additional noninterest expense	$140,000	6,209
Pre-tax net operating income	$-120,000	8,824
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$-120,000	8,868
Extraordinary gains, net	$0	16
Net income	$-120,000	8,869
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-120,000	8,835
2003-12-31 (YTD Data)		Rank
Total interest income	$1,164,000	8,440
Total interest expense	$217,000	8,699
Net interest income	$947,000	8,187
Provision for loan and lease losses	$65,000	5,903
Total noninterest income	$175,000	7,568
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$57,000	7,321
Trading account gains and fees	$0	160
Additional Noninterest Income	$118,000	6,251
Total noninterest expense	$1,439,000	7,004
Salaries and employee benefits	$693,000	7,321
Premises and equipment expense	$199,000	6,792
Additional noninterest expense	$547,000	6,267
Pre-tax net operating income	$-382,000	8,772
Securities gains (losses)	$0	4,500
Applicable income taxes	$1,000	7,379
Income before extraordinary items	$-383,000	8,856
Extraordinary gains, net	$0	54
Net income	$-383,000	8,857
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-383,000	8,795
2003-09-30 (YTD Data)		Rank
Total interest income	$869,000	8,534
Total interest expense	$155,000	8,830
Net interest income	$714,000	8,246
Provision for loan and lease losses	$45,000	5,860
Total noninterest income	$90,000	8,157
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$35,000	7,554
Trading account gains and fees	$0	153
Additional Noninterest Income	$55,000	7,077
Total noninterest expense	$1,049,000	7,080
Salaries and employee benefits	$507,000	7,360
Premises and equipment expense	$145,000	6,860
Additional noninterest expense	$397,000	6,360
Pre-tax net operating income	$-290,000	8,862
Securities gains (losses)	$0	4,204
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$-291,000	8,941
Extraordinary gains, net	$0	40
Net income	$-291,000	8,942
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-291,000	8,876
2003-06-30 (YTD Data)		Rank
Total interest income	$570,000	8,597
Total interest expense	$99,000	8,907
Net interest income	$471,000	8,298
Provision for loan and lease losses	$30,000	5,740
Total noninterest income	$40,000	8,577
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$19,000	7,696
Trading account gains and fees	$0	150
Additional Noninterest Income	$21,000	7,777
Total noninterest expense	$635,000	7,346
Salaries and employee benefits	$321,000	7,504
Premises and equipment expense	$90,000	7,025
Additional noninterest expense	$224,000	6,843
Pre-tax net operating income	$-154,000	8,885
Securities gains (losses)	$0	3,782
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$-155,000	8,971
Extraordinary gains, net	$0	30
Net income	$-155,000	8,971
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-155,000	8,893
2003-03-31 (YTD Data)		Rank
Total interest income	$280,000	8,684
Total interest expense	$45,000	9,014
Net interest income	$235,000	8,337
Provision for loan and lease losses	$15,000	5,504
Total noninterest income	$19,000	8,654
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$10,000	7,640
Trading account gains and fees	$0	134
Additional Noninterest Income	$9,000	7,987
Total noninterest expense	$309,000	7,443
Salaries and employee benefits	$151,000	7,693
Premises and equipment expense	$45,000	7,066
Additional noninterest expense	$113,000	6,807
Pre-tax net operating income	$-70,000	8,929
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-70,000	8,993
Extraordinary gains, net	$0	21
Net income	$-70,000	8,990
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	$-70,000	8,910
2002-12-31 (YTD Data)		Rank
Total interest income	$616,000	9,107
Total interest expense	$122,000	9,173
Net interest income	$494,000	9,004
Provision for loan and lease losses	$115,000	5,483
Total noninterest income	$79,000	8,655
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$25,000	7,923
Trading account gains and fees	$0	153
Additional Noninterest Income	$54,000	7,501
Total noninterest expense	$1,206,000	7,454
Salaries and employee benefits	$606,000	7,684
Premises and equipment expense	$174,000	7,109
Additional noninterest expense	$426,000	6,967
Pre-tax net operating income	$-748,000	9,069
Securities gains (losses)	$0	4,537
Applicable income taxes	$1,000	7,615
Income before extraordinary items	$-749,000	9,124
Extraordinary gains, net	$0	70
Net income	$-749,000	9,120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,632
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-749,000	9,081
2001-12-31 (YTD Data)		Rank
Total interest income	$45,000	9,592
Total interest expense	$9,000	9,566
Net interest income	$36,000	9,584
Provision for loan and lease losses	$0	8,228
Total noninterest income	$1,000	9,549
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$0	8,399
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,000	9,443
Total noninterest expense	$488,000	9,204
Salaries and employee benefits	$180,000	9,438
Premises and equipment expense	$48,000	9,159
Additional noninterest expense	$260,000	8,136
Pre-tax net operating income	$-451,000	9,139
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$-451,000	9,212
Extraordinary gains, net	$0	105
Net income	$-451,000	9,213
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$6,947,000	127
Net operating income	$-451,000	9,173

* 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.