Home > Central Bank and Trust Co. > Income and Expense

Central Bank and Trust Co., Income and Expense

2019-03-31 (YTD Data)		Rank
Total interest income	$3,410,000	2,094
Total interest expense	$636,000	1,984
Net interest income	$2,774,000	2,094
Provision for loan and lease losses	$150,000	1,133
Total noninterest income	$757,000	1,476
Gross Fiduciary activities income	$282,000	437
Service charges on deposit accounts	$85,000	2,424
Trading account gains and fees	$0	126
Additional Noninterest Income	$390,000	1,689
Total noninterest expense	$2,294,000	2,060
Salaries and employee benefits	$1,216,000	2,178
Premises and equipment expense	$233,000	2,177
Additional noninterest expense	$845,000	1,727
Pre-tax net operating income	$1,087,000	1,945
Securities gains (losses)	$0	1,087
Applicable income taxes	$24,000	3,068
Income before extraordinary items	$1,063,000	1,783
Extraordinary gains, net	$0	5
Net income	$1,063,000	1,781
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,063,000	1,782
Net charge-offs	$22,000	1,644
Cash dividends	$1,223,000	724
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,063,000	1,765
2018-12-31 (YTD Data)		Rank
Total interest income	$9,218,000	2,680
Total interest expense	$1,503,000	2,331
Net interest income	$7,715,000	2,708
Provision for loan and lease losses	$354,000	1,792
Total noninterest income	$1,864,000	2,064
Gross Fiduciary activities income	$956,000	472
Service charges on deposit accounts	$252,000	3,002
Trading account gains and fees	$0	126
Additional Noninterest Income	$656,000	2,731
Total noninterest expense	$5,645,000	2,824
Salaries and employee benefits	$3,222,000	2,831
Premises and equipment expense	$595,000	2,845
Additional noninterest expense	$1,828,000	2,753
Pre-tax net operating income	$3,580,000	2,245
Securities gains (losses)	$52,000	416
Applicable income taxes	$134,000	2,930
Income before extraordinary items	$3,498,000	2,088
Extraordinary gains, net	$0	6
Net income	$3,498,000	2,086
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,498,000	2,087
Net charge-offs	$275,000	1,398
Cash dividends	$3,449,000	984
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,448,080	2,109
2018-09-30 (YTD Data)		Rank
Total interest income	$5,685,000	3,020
Total interest expense	$883,000	2,625
Net interest income	$4,802,000	3,072
Provision for loan and lease losses	$217,000	1,917
Total noninterest income	$1,273,000	2,203
Gross Fiduciary activities income	$674,000	477
Service charges on deposit accounts	$161,000	3,242
Trading account gains and fees	$0	138
Additional Noninterest Income	$438,000	2,917
Total noninterest expense	$3,505,000	3,193
Salaries and employee benefits	$2,034,000	3,135
Premises and equipment expense	$383,000	3,136
Additional noninterest expense	$1,088,000	3,239
Pre-tax net operating income	$2,353,000	2,479
Securities gains (losses)	$52,000	413
Applicable income taxes	$105,000	2,977
Income before extraordinary items	$2,300,000	2,310
Extraordinary gains, net	$0	5
Net income	$2,300,000	2,309
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,300,000	2,309
Net charge-offs	$2,000	3,345
Cash dividends	$2,383,000	932
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,250,080	2,331
2018-06-30 (YTD Data)		Rank
Total interest income	$2,094,000	4,095
Total interest expense	$310,000	3,505
Net interest income	$1,784,000	4,144
Provision for loan and lease losses	$35,000	3,040
Total noninterest income	$528,000	2,815
Gross Fiduciary activities income	$270,000	581
Service charges on deposit accounts	$60,000	3,998
Trading account gains and fees	$0	130
Additional Noninterest Income	$198,000	3,405
Total noninterest expense	$1,312,000	4,244
Salaries and employee benefits	$849,000	4,023
Premises and equipment expense	$133,000	4,255
Additional noninterest expense	$330,000	4,559
Pre-tax net operating income	$965,000	3,212
Securities gains (losses)	$52,000	335
Applicable income taxes	$45,000	3,193
Income before extraordinary items	$972,000	3,007
Extraordinary gains, net	$0	6
Net income	$972,000	3,006
Minority interest net income	$0	65
Net income of bank and minority interests.	$972,000	3,006
Net charge-offs	$-3,000	4,144
Cash dividends	$1,048,000	1,262
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$922,080	3,069
2018-03-31 (YTD Data)		Rank
Total interest income	$3,134,000	2,102
Total interest expense	$463,000	1,810
Net interest income	$2,671,000	2,142
Provision for loan and lease losses	$7,000	3,246
Total noninterest income	$1,158,000	1,156
Gross Fiduciary activities income	$530,000	341
Service charges on deposit accounts	$111,000	2,165
Trading account gains and fees	$0	123
Additional Noninterest Income	$517,000	1,453
Total noninterest expense	$1,972,000	2,300
Salaries and employee benefits	$1,149,000	2,257
Premises and equipment expense	$242,000	2,155
Additional noninterest expense	$581,000	2,347
Pre-tax net operating income	$1,850,000	1,264
Securities gains (losses)	$0	735
Applicable income taxes	$79,000	2,358
Income before extraordinary items	$1,771,000	1,152
Extraordinary gains, net	$0	7
Net income	$1,771,000	1,151
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,771,000	1,152
Net charge-offs	$24,000	1,574
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,771,000	1,145
2017-12-31 (YTD Data)		Rank
Total interest income	$11,756,000	2,163
Total interest expense	$1,245,000	2,189
Net interest income	$10,511,000	2,136
Provision for loan and lease losses	$-486,000	5,509
Total noninterest income	$3,455,000	1,428
Gross Fiduciary activities income	$1,850,000	356
Service charges on deposit accounts	$480,000	2,100
Trading account gains and fees	$0	151
Additional Noninterest Income	$1,125,000	2,148
Total noninterest expense	$8,042,000	2,254
Salaries and employee benefits	$4,676,000	2,196
Premises and equipment expense	$1,034,000	2,057
Additional noninterest expense	$2,332,000	2,369
Pre-tax net operating income	$6,410,000	1,400
Securities gains (losses)	$-15,000	5,127
Applicable income taxes	$250,000	2,852
Income before extraordinary items	$6,145,000	1,150
Extraordinary gains, net	$0	9
Net income	$6,145,000	1,150
Minority interest net income	$0	76
Net income of bank and minority interests.	$6,145,000	1,150
Net charge-offs	$14,000	3,567
Cash dividends	$5,040,000	673
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$6,159,400	1,127
2017-09-30 (YTD Data)		Rank
Total interest income	$8,653,000	2,197
Total interest expense	$855,000	2,305
Net interest income	$7,798,000	2,163
Provision for loan and lease losses	$-247,000	5,582
Total noninterest income	$2,445,000	1,503
Gross Fiduciary activities income	$1,320,000	364
Service charges on deposit accounts	$367,000	2,072
Trading account gains and fees	$0	145
Additional Noninterest Income	$758,000	2,308
Total noninterest expense	$5,918,000	2,306
Salaries and employee benefits	$3,457,000	2,235
Premises and equipment expense	$760,000	2,096
Additional noninterest expense	$1,701,000	2,428
Pre-tax net operating income	$4,572,000	1,459
Securities gains (losses)	$-15,000	5,453
Applicable income taxes	$178,000	2,839
Income before extraordinary items	$4,379,000	1,278
Extraordinary gains, net	$0	9
Net income	$4,379,000	1,278
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,379,000	1,278
Net charge-offs	$18,000	3,031
Cash dividends	$2,530,000	875
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$4,393,400	1,254
2017-06-30 (YTD Data)		Rank
Total interest income	$5,695,000	2,202
Total interest expense	$521,000	2,414
Net interest income	$5,174,000	2,162
Provision for loan and lease losses	$3,000	3,811
Total noninterest income	$1,572,000	1,542
Gross Fiduciary activities income	$868,000	367
Service charges on deposit accounts	$238,000	2,112
Trading account gains and fees	$0	139
Additional Noninterest Income	$466,000	2,409
Total noninterest expense	$3,923,000	2,312
Salaries and employee benefits	$2,278,000	2,274
Premises and equipment expense	$504,000	2,110
Additional noninterest expense	$1,141,000	2,430
Pre-tax net operating income	$2,820,000	1,537
Securities gains (losses)	$0	1,906
Applicable income taxes	$117,000	2,842
Income before extraordinary items	$2,703,000	1,353
Extraordinary gains, net	$0	11
Net income	$2,703,000	1,352
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,703,000	1,353
Net charge-offs	$10,000	2,893
Cash dividends	$2,020,000	751
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,703,000	1,335
2017-03-31 (YTD Data)		Rank
Total interest income	$2,806,000	2,225
Total interest expense	$237,000	2,549
Net interest income	$2,569,000	2,181
Provision for loan and lease losses	$2,000	3,483
Total noninterest income	$779,000	1,539
Gross Fiduciary activities income	$433,000	365
Service charges on deposit accounts	$121,000	2,083
Trading account gains and fees	$0	142
Additional Noninterest Income	$225,000	2,423
Total noninterest expense	$1,935,000	2,356
Salaries and employee benefits	$1,140,000	2,288
Premises and equipment expense	$237,000	2,227
Additional noninterest expense	$558,000	2,458
Pre-tax net operating income	$1,411,000	1,499
Securities gains (losses)	$0	1,153
Applicable income taxes	$58,000	2,800
Income before extraordinary items	$1,353,000	1,331
Extraordinary gains, net	$0	8
Net income	$1,353,000	1,330
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,353,000	1,331
Net charge-offs	$4,000	2,506
Cash dividends	$510,000	1,188
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,353,000	1,311
2016-12-31 (YTD Data)		Rank
Total interest income	$11,214,000	2,189
Total interest expense	$863,000	2,675
Net interest income	$10,351,000	2,116
Provision for loan and lease losses	$-232,000	5,652
Total noninterest income	$3,299,000	1,544
Gross Fiduciary activities income	$1,587,000	377
Service charges on deposit accounts	$497,000	2,089
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,215,000	2,157
Total noninterest expense	$7,781,000	2,349
Salaries and employee benefits	$4,360,000	2,341
Premises and equipment expense	$1,026,000	2,109
Additional noninterest expense	$2,395,000	2,392
Pre-tax net operating income	$6,101,000	1,382
Securities gains (losses)	$6,000	2,819
Applicable income taxes	$252,000	2,775
Income before extraordinary items	$5,855,000	1,225
Extraordinary gains, net	$0	5
Net income	$5,855,000	1,224
Minority interest net income	$0	82
Net income of bank and minority interests.	$5,855,000	1,224
Net charge-offs	$26,000	3,527
Cash dividends	$4,822,000	691
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$5,849,240	1,200
2016-09-30 (YTD Data)		Rank
Total interest income	$8,442,000	2,184
Total interest expense	$634,000	2,718
Net interest income	$7,808,000	2,108
Provision for loan and lease losses	$19,000	3,869
Total noninterest income	$2,503,000	1,519
Gross Fiduciary activities income	$1,183,000	376
Service charges on deposit accounts	$376,000	2,092
Trading account gains and fees	$0	169
Additional Noninterest Income	$944,000	2,116
Total noninterest expense	$5,795,000	2,363
Salaries and employee benefits	$3,226,000	2,355
Premises and equipment expense	$780,000	2,095
Additional noninterest expense	$1,789,000	2,401
Pre-tax net operating income	$4,497,000	1,423
Securities gains (losses)	$6,000	2,746
Applicable income taxes	$185,000	2,857
Income before extraordinary items	$4,318,000	1,257
Extraordinary gains, net	$0	5
Net income	$4,318,000	1,257
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,318,000	1,257
Net charge-offs	$17,000	3,244
Cash dividends	$3,056,000	740
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$4,312,240	1,219
2016-06-30 (YTD Data)		Rank
Total interest income	$5,619,000	2,195
Total interest expense	$425,000	2,716
Net interest income	$5,194,000	2,119
Provision for loan and lease losses	$12,000	3,711
Total noninterest income	$1,681,000	1,496
Gross Fiduciary activities income	$774,000	380
Service charges on deposit accounts	$241,000	2,122
Trading account gains and fees	$0	157
Additional Noninterest Income	$666,000	2,014
Total noninterest expense	$3,852,000	2,378
Salaries and employee benefits	$2,123,000	2,387
Premises and equipment expense	$514,000	2,106
Additional noninterest expense	$1,215,000	2,363
Pre-tax net operating income	$3,011,000	1,399
Securities gains (losses)	$6,000	2,403
Applicable income taxes	$124,000	2,857
Income before extraordinary items	$2,893,000	1,233
Extraordinary gains, net	$0	16
Net income	$2,893,000	1,233
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,893,000	1,233
Net charge-offs	$10,000	3,081
Cash dividends	$1,482,000	975
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,887,240	1,194
2016-03-31 (YTD Data)		Rank
Total interest income	$2,804,000	2,197
Total interest expense	$213,000	2,725
Net interest income	$2,591,000	2,123
Provision for loan and lease losses	$7,000	3,388
Total noninterest income	$928,000	1,380
Gross Fiduciary activities income	$383,000	385
Service charges on deposit accounts	$116,000	2,189
Trading account gains and fees	$0	142
Additional Noninterest Income	$429,000	1,666
Total noninterest expense	$1,876,000	2,441
Salaries and employee benefits	$1,076,000	2,371
Premises and equipment expense	$244,000	2,205
Additional noninterest expense	$556,000	2,550
Pre-tax net operating income	$1,636,000	1,306
Securities gains (losses)	$0	2,077
Applicable income taxes	$67,000	2,776
Income before extraordinary items	$1,569,000	1,141
Extraordinary gains, net	$0	12
Net income	$1,569,000	1,142
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,569,000	1,142
Net charge-offs	$0	3,094
Cash dividends	$951,000	780
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,569,000	1,116
2015-12-31 (YTD Data)		Rank
Total interest income	$10,808,000	2,221
Total interest expense	$772,000	2,885
Net interest income	$10,036,000	2,130
Provision for loan and lease losses	$-486,000	5,942
Total noninterest income	$3,104,000	1,568
Gross Fiduciary activities income	$1,509,000	390
Service charges on deposit accounts	$509,000	2,114
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,086,000	2,269
Total noninterest expense	$7,300,000	2,481
Salaries and employee benefits	$4,170,000	2,403
Premises and equipment expense	$1,025,000	2,136
Additional noninterest expense	$2,105,000	2,692
Pre-tax net operating income	$6,326,000	1,306
Securities gains (losses)	$7,000	2,729
Applicable income taxes	$261,000	2,768
Income before extraordinary items	$6,072,000	1,153
Extraordinary gains, net	$0	23
Net income	$6,072,000	1,153
Minority interest net income	$0	81
Net income of bank and minority interests.	$6,072,000	1,153
Net charge-offs	$33,000	3,516
Cash dividends	$3,580,000	867
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$6,065,280	1,127
2015-09-30 (YTD Data)		Rank
Total interest income	$7,928,000	2,277
Total interest expense	$578,000	2,929
Net interest income	$7,350,000	2,197
Provision for loan and lease losses	$-491,000	6,078
Total noninterest income	$2,379,000	1,557
Gross Fiduciary activities income	$1,182,000	381
Service charges on deposit accounts	$374,000	2,155
Trading account gains and fees	$0	153
Additional Noninterest Income	$823,000	2,274
Total noninterest expense	$5,408,000	2,519
Salaries and employee benefits	$3,123,000	2,404
Premises and equipment expense	$767,000	2,172
Additional noninterest expense	$1,518,000	2,764
Pre-tax net operating income	$4,812,000	1,316
Securities gains (losses)	$2,000	2,829
Applicable income taxes	$198,000	2,830
Income before extraordinary items	$4,616,000	1,153
Extraordinary gains, net	$0	21
Net income	$4,616,000	1,151
Minority interest net income	$0	78
Net income of bank and minority interests.	$4,616,000	1,153
Net charge-offs	$18,000	3,406
Cash dividends	$3,641,000	620
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$4,614,080	1,121
2015-06-30 (YTD Data)		Rank
Total interest income	$5,206,000	2,305
Total interest expense	$391,000	2,925
Net interest income	$4,815,000	2,226
Provision for loan and lease losses	$-493,000	6,198
Total noninterest income	$1,595,000	1,552
Gross Fiduciary activities income	$789,000	384
Service charges on deposit accounts	$242,000	2,171
Trading account gains and fees	$0	157
Additional Noninterest Income	$564,000	2,280
Total noninterest expense	$3,546,000	2,574
Salaries and employee benefits	$2,072,000	2,433
Premises and equipment expense	$497,000	2,234
Additional noninterest expense	$977,000	2,856
Pre-tax net operating income	$3,357,000	1,256
Securities gains (losses)	$3,000	2,361
Applicable income taxes	$139,000	2,780
Income before extraordinary items	$3,221,000	1,098
Extraordinary gains, net	$0	22
Net income	$3,221,000	1,097
Minority interest net income	$0	75
Net income of bank and minority interests.	$3,221,000	1,099
Net charge-offs	$13,000	3,155
Cash dividends	$2,308,000	626
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$3,218,120	1,063
2015-03-31 (YTD Data)		Rank
Total interest income	$2,574,000	2,327
Total interest expense	$195,000	2,952
Net interest income	$2,379,000	2,245
Provision for loan and lease losses	$-244,000	6,270
Total noninterest income	$793,000	1,523
Gross Fiduciary activities income	$400,000	383
Service charges on deposit accounts	$117,000	2,215
Trading account gains and fees	$0	152
Additional Noninterest Income	$276,000	2,230
Total noninterest expense	$1,761,000	2,592
Salaries and employee benefits	$1,034,000	2,451
Premises and equipment expense	$251,000	2,247
Additional noninterest expense	$476,000	2,890
Pre-tax net operating income	$1,655,000	1,224
Securities gains (losses)	$3,000	1,758
Applicable income taxes	$68,000	2,760
Income before extraordinary items	$1,590,000	1,069
Extraordinary gains, net	$0	13
Net income	$1,590,000	1,070
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,590,000	1,070
Net charge-offs	$1,000	3,128
Cash dividends	$1,641,000	435
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,587,120	1,041
2014-12-31 (YTD Data)		Rank
Total interest income	$10,243,000	2,349
Total interest expense	$842,000	2,924
Net interest income	$9,401,000	2,262
Provision for loan and lease losses	$-208,000	6,138
Total noninterest income	$3,673,000	1,354
Gross Fiduciary activities income	$1,653,000	371
Service charges on deposit accounts	$566,000	2,059
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,454,000	1,803
Total noninterest expense	$7,397,000	2,486
Salaries and employee benefits	$4,028,000	2,482
Premises and equipment expense	$1,074,000	2,121
Additional noninterest expense	$2,295,000	2,577
Pre-tax net operating income	$5,885,000	1,336
Securities gains (losses)	$49,000	1,753
Applicable income taxes	$249,000	2,787
Income before extraordinary items	$5,685,000	1,159
Extraordinary gains, net	$0	17
Net income	$5,685,000	1,157
Minority interest net income	$0	84
Net income of bank and minority interests.	$5,685,000	1,158
Net charge-offs	$-746,000	6,428
Cash dividends	$3,032,000	901
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$5,637,960	1,141
2014-09-30 (YTD Data)		Rank
Total interest income	$7,617,000	2,380
Total interest expense	$640,000	2,952
Net interest income	$6,977,000	2,291
Provision for loan and lease losses	$28,000	3,782
Total noninterest income	$2,426,000	1,479
Gross Fiduciary activities income	$1,227,000	370
Service charges on deposit accounts	$429,000	2,050
Trading account gains and fees	$0	174
Additional Noninterest Income	$770,000	2,313
Total noninterest expense	$5,468,000	2,530
Salaries and employee benefits	$3,028,000	2,474
Premises and equipment expense	$807,000	2,130
Additional noninterest expense	$1,633,000	2,703
Pre-tax net operating income	$3,907,000	1,486
Securities gains (losses)	$49,000	1,463
Applicable income taxes	$167,000	2,952
Income before extraordinary items	$3,789,000	1,280
Extraordinary gains, net	$0	15
Net income	$3,789,000	1,279
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,789,000	1,280
Net charge-offs	$-648,000	6,506
Cash dividends	$2,126,000	877
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$3,741,960	1,276
2014-06-30 (YTD Data)		Rank
Total interest income	$5,070,000	2,376
Total interest expense	$435,000	2,939
Net interest income	$4,635,000	2,287
Provision for loan and lease losses	$7,000	3,995
Total noninterest income	$1,594,000	1,492
Gross Fiduciary activities income	$811,000	375
Service charges on deposit accounts	$282,000	2,053
Trading account gains and fees	$0	172
Additional Noninterest Income	$501,000	2,311
Total noninterest expense	$3,642,000	2,536
Salaries and employee benefits	$2,031,000	2,474
Premises and equipment expense	$536,000	2,146
Additional noninterest expense	$1,075,000	2,719
Pre-tax net operating income	$2,580,000	1,453
Securities gains (losses)	$49,000	1,179
Applicable income taxes	$111,000	2,934
Income before extraordinary items	$2,518,000	1,249
Extraordinary gains, net	$0	20
Net income	$2,518,000	1,248
Minority interest net income	$0	80
Net income of bank and minority interests.	$2,518,000	1,250
Net charge-offs	$-678,000	6,590
Cash dividends	$1,750,000	731
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$2,470,960	1,257
2014-03-31 (YTD Data)		Rank
Total interest income	$2,537,000	2,369
Total interest expense	$225,000	2,899
Net interest income	$2,312,000	2,280
Provision for loan and lease losses	$0	3,817
Total noninterest income	$795,000	1,465
Gross Fiduciary activities income	$396,000	376
Service charges on deposit accounts	$141,000	2,043
Trading account gains and fees	$0	147
Additional Noninterest Income	$258,000	2,215
Total noninterest expense	$1,887,000	2,468
Salaries and employee benefits	$1,012,000	2,481
Premises and equipment expense	$285,000	2,084
Additional noninterest expense	$590,000	2,518
Pre-tax net operating income	$1,220,000	1,493
Securities gains (losses)	$49,000	658
Applicable income taxes	$54,000	2,899
Income before extraordinary items	$1,215,000	1,243
Extraordinary gains, net	$0	16
Net income	$1,215,000	1,244
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,215,000	1,244
Net charge-offs	$6,000	3,056
Cash dividends	$361,000	1,296
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,167,960	1,267
2013-12-31 (YTD Data)		Rank
Total interest income	$9,944,000	2,440
Total interest expense	$1,017,000	2,905
Net interest income	$8,927,000	2,359
Provision for loan and lease losses	$630,000	1,585
Total noninterest income	$2,768,000	1,711
Gross Fiduciary activities income	$1,484,000	378
Service charges on deposit accounts	$489,000	2,419
Trading account gains and fees	$0	184
Additional Noninterest Income	$795,000	2,678
Total noninterest expense	$7,194,000	2,563
Salaries and employee benefits	$3,915,000	2,527
Premises and equipment expense	$1,027,000	2,201
Additional noninterest expense	$2,252,000	2,723
Pre-tax net operating income	$3,871,000	1,763
Securities gains (losses)	$-120,000	6,572
Applicable income taxes	$150,000	3,159
Income before extraordinary items	$3,601,000	1,645
Extraordinary gains, net	$0	29
Net income	$3,601,000	1,648
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,601,000	1,649
Net charge-offs	$-139,000	6,580
Cash dividends	$5,174,000	548
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$3,716,200	1,557
2013-09-30 (YTD Data)		Rank
Total interest income	$7,401,000	2,474
Total interest expense	$769,000	2,970
Net interest income	$6,632,000	2,388
Provision for loan and lease losses	$630,000	1,281
Total noninterest income	$2,163,000	1,690
Gross Fiduciary activities income	$1,082,000	383
Service charges on deposit accounts	$367,000	2,434
Trading account gains and fees	$0	180
Additional Noninterest Income	$714,000	2,484
Total noninterest expense	$5,408,000	2,571
Salaries and employee benefits	$2,983,000	2,497
Premises and equipment expense	$777,000	2,205
Additional noninterest expense	$1,648,000	2,762
Pre-tax net operating income	$2,757,000	1,887
Securities gains (losses)	$0	3,040
Applicable income taxes	$109,000	3,250
Income before extraordinary items	$2,648,000	1,691
Extraordinary gains, net	$0	25
Net income	$2,648,000	1,693
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,648,000	1,695
Net charge-offs	$-2,000	5,787
Cash dividends	$3,912,000	518
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,648,000	1,644
2013-06-30 (YTD Data)		Rank
Total interest income	$4,885,000	2,490
Total interest expense	$509,000	3,033
Net interest income	$4,376,000	2,396
Provision for loan and lease losses	$630,000	949
Total noninterest income	$1,369,000	1,770
Gross Fiduciary activities income	$708,000	389
Service charges on deposit accounts	$234,000	2,489
Trading account gains and fees	$0	157
Additional Noninterest Income	$427,000	2,703
Total noninterest expense	$3,608,000	2,574
Salaries and employee benefits	$1,995,000	2,505
Premises and equipment expense	$516,000	2,216
Additional noninterest expense	$1,097,000	2,749
Pre-tax net operating income	$1,507,000	2,184
Securities gains (losses)	$0	2,791
Applicable income taxes	$57,000	3,427
Income before extraordinary items	$1,450,000	1,980
Extraordinary gains, net	$0	22
Net income	$1,450,000	1,986
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,450,000	1,986
Net charge-offs	$-1,000	5,537
Cash dividends	$1,762,000	702
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,450,000	1,901
2013-03-31 (YTD Data)		Rank
Total interest income	$2,426,000	2,512
Total interest expense	$252,000	3,130
Net interest income	$2,174,000	2,424
Provision for loan and lease losses	$378,000	840
Total noninterest income	$747,000	1,647
Gross Fiduciary activities income	$337,000	393
Service charges on deposit accounts	$142,000	2,118
Trading account gains and fees	$0	148
Additional Noninterest Income	$268,000	2,369
Total noninterest expense	$1,844,000	2,548
Salaries and employee benefits	$1,003,000	2,511
Premises and equipment expense	$267,000	2,189
Additional noninterest expense	$574,000	2,654
Pre-tax net operating income	$699,000	2,275
Securities gains (losses)	$0	1,966
Applicable income taxes	$24,000	3,495
Income before extraordinary items	$675,000	2,051
Extraordinary gains, net	$0	10
Net income	$675,000	2,052
Minority interest net income	$0	76
Net income of bank and minority interests.	$675,000	2,053
Net charge-offs	$4,000	3,745
Cash dividends	$369,000	1,174
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$675,000	1,972
2012-12-31 (YTD Data)		Rank
Total interest income	$9,747,000	2,627
Total interest expense	$1,321,000	2,981
Net interest income	$8,426,000	2,551
Provision for loan and lease losses	$1,508,000	1,320
Total noninterest income	$2,292,000	1,995
Gross Fiduciary activities income	$1,258,000	398
Service charges on deposit accounts	$518,000	2,417
Trading account gains and fees	$0	166
Additional Noninterest Income	$516,000	3,302
Total noninterest expense	$7,106,000	2,621
Salaries and employee benefits	$3,951,000	2,483
Premises and equipment expense	$931,000	2,402
Additional noninterest expense	$2,224,000	2,837
Pre-tax net operating income	$2,104,000	2,717
Securities gains (losses)	$0	3,810
Applicable income taxes	$83,000	3,631
Income before extraordinary items	$2,021,000	2,568
Extraordinary gains, net	$0	29
Net income	$2,021,000	2,570
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,021,000	2,569
Net charge-offs	$1,337,000	1,507
Cash dividends	$2,497,000	1,023
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,021,000	2,443
2012-09-30 (YTD Data)		Rank
Total interest income	$7,284,000	2,685
Total interest expense	$1,015,000	3,043
Net interest income	$6,269,000	2,608
Provision for loan and lease losses	$1,109,000	1,325
Total noninterest income	$1,733,000	1,976
Gross Fiduciary activities income	$943,000	395
Service charges on deposit accounts	$381,000	2,479
Trading account gains and fees	$0	157
Additional Noninterest Income	$409,000	3,232
Total noninterest expense	$5,360,000	2,624
Salaries and employee benefits	$2,980,000	2,472
Premises and equipment expense	$694,000	2,461
Additional noninterest expense	$1,686,000	2,826
Pre-tax net operating income	$1,533,000	2,839
Securities gains (losses)	$0	3,575
Applicable income taxes	$60,000	3,697
Income before extraordinary items	$1,473,000	2,673
Extraordinary gains, net	$0	20
Net income	$1,473,000	2,675
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,473,000	2,674
Net charge-offs	$699,000	1,812
Cash dividends	$1,762,000	883
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,473,000	2,549
2012-06-30 (YTD Data)		Rank
Total interest income	$4,840,000	2,704
Total interest expense	$698,000	3,057
Net interest income	$4,142,000	2,628
Provision for loan and lease losses	$808,000	1,278
Total noninterest income	$1,272,000	1,837
Gross Fiduciary activities income	$631,000	395
Service charges on deposit accounts	$253,000	2,450
Trading account gains and fees	$0	153
Additional Noninterest Income	$388,000	2,685
Total noninterest expense	$3,559,000	2,642
Salaries and employee benefits	$1,990,000	2,461
Premises and equipment expense	$456,000	2,495
Additional noninterest expense	$1,113,000	2,862
Pre-tax net operating income	$1,047,000	2,760
Securities gains (losses)	$0	3,178
Applicable income taxes	$42,000	3,653
Income before extraordinary items	$1,005,000	2,617
Extraordinary gains, net	$0	19
Net income	$1,005,000	2,617
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,005,000	2,617
Net charge-offs	$698,000	1,456
Cash dividends	$1,650,000	630
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,005,000	2,475
2012-03-31 (YTD Data)		Rank
Total interest income	$2,392,000	2,783
Total interest expense	$379,000	2,983
Net interest income	$2,013,000	2,711
Provision for loan and lease losses	$425,000	1,210
Total noninterest income	$550,000	2,016
Gross Fiduciary activities income	$320,000	394
Service charges on deposit accounts	$122,000	2,515
Trading account gains and fees	$0	148
Additional Noninterest Income	$108,000	3,590
Total noninterest expense	$1,786,000	2,621
Salaries and employee benefits	$991,000	2,492
Premises and equipment expense	$228,000	2,508
Additional noninterest expense	$567,000	2,789
Pre-tax net operating income	$352,000	3,543
Securities gains (losses)	$0	2,210
Applicable income taxes	$14,000	3,852
Income before extraordinary items	$338,000	3,415
Extraordinary gains, net	$0	19
Net income	$338,000	3,418
Minority interest net income	$0	78
Net income of bank and minority interests.	$338,000	3,418
Net charge-offs	$695,000	874
Cash dividends	$557,000	794
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$338,000	3,246
2011-12-31 (YTD Data)		Rank
Total interest income	$9,443,000	2,904
Total interest expense	$1,732,000	3,084
Net interest income	$7,711,000	2,829
Provision for loan and lease losses	$1,407,000	1,974
Total noninterest income	$2,454,000	1,739
Gross Fiduciary activities income	$1,247,000	351
Service charges on deposit accounts	$654,000	2,096
Trading account gains and fees	$0	146
Additional Noninterest Income	$553,000	2,979
Total noninterest expense	$7,045,000	2,653
Salaries and employee benefits	$3,988,000	2,412
Premises and equipment expense	$958,000	2,497
Additional noninterest expense	$2,099,000	3,007
Pre-tax net operating income	$1,713,000	2,796
Securities gains (losses)	$0	3,838
Applicable income taxes	$62,000	3,646
Income before extraordinary items	$1,651,000	2,582
Extraordinary gains, net	$0	29
Net income	$1,651,000	2,582
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,651,000	2,583
Net charge-offs	$1,702,000	1,720
Cash dividends	$363,000	2,803
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,651,000	2,503
2011-09-30 (YTD Data)		Rank
Total interest income	$7,161,000	2,903
Total interest expense	$1,321,000	3,162
Net interest income	$5,840,000	2,807
Provision for loan and lease losses	$1,205,000	1,742
Total noninterest income	$1,815,000	1,730
Gross Fiduciary activities income	$949,000	347
Service charges on deposit accounts	$492,000	2,105
Trading account gains and fees	$0	145
Additional Noninterest Income	$374,000	3,146
Total noninterest expense	$5,310,000	2,646
Salaries and employee benefits	$2,989,000	2,410
Premises and equipment expense	$733,000	2,473
Additional noninterest expense	$1,588,000	2,989
Pre-tax net operating income	$1,140,000	3,085
Securities gains (losses)	$0	3,555
Applicable income taxes	$39,000	3,747
Income before extraordinary items	$1,101,000	2,864
Extraordinary gains, net	$0	21
Net income	$1,101,000	2,867
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,101,000	2,867
Net charge-offs	$1,621,000	1,419
Cash dividends	$233,000	2,587
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,101,000	2,772
2011-06-30 (YTD Data)		Rank
Total interest income	$4,714,000	2,960
Total interest expense	$899,000	3,211
Net interest income	$3,815,000	2,852
Provision for loan and lease losses	$902,000	1,579
Total noninterest income	$1,121,000	1,832
Gross Fiduciary activities income	$653,000	352
Service charges on deposit accounts	$320,000	2,125
Trading account gains and fees	$0	153
Additional Noninterest Income	$148,000	3,974
Total noninterest expense	$3,578,000	2,643
Salaries and employee benefits	$2,008,000	2,414
Premises and equipment expense	$490,000	2,492
Additional noninterest expense	$1,080,000	2,999
Pre-tax net operating income	$456,000	3,980
Securities gains (losses)	$0	2,914
Applicable income taxes	$12,000	4,034
Income before extraordinary items	$444,000	3,793
Extraordinary gains, net	$0	15
Net income	$444,000	3,794
Minority interest net income	$0	89
Net income of bank and minority interests.	$444,000	3,795
Net charge-offs	$1,200,000	1,324
Cash dividends	$63,000	3,028
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$444,000	3,692
2011-03-31 (YTD Data)		Rank
Total interest income	$2,341,000	2,995
Total interest expense	$463,000	3,235
Net interest income	$1,878,000	2,880
Provision for loan and lease losses	$601,000	1,246
Total noninterest income	$708,000	1,560
Gross Fiduciary activities income	$335,000	346
Service charges on deposit accounts	$155,000	2,150
Trading account gains and fees	$0	158
Additional Noninterest Income	$218,000	2,351
Total noninterest expense	$1,819,000	2,613
Salaries and employee benefits	$1,022,000	2,387
Premises and equipment expense	$252,000	2,480
Additional noninterest expense	$545,000	2,972
Pre-tax net operating income	$166,000	4,508
Securities gains (losses)	$0	1,772
Applicable income taxes	$1,000	4,403
Income before extraordinary items	$165,000	4,304
Extraordinary gains, net	$0	9
Net income	$165,000	4,303
Minority interest net income	$0	86
Net income of bank and minority interests.	$165,000	4,304
Net charge-offs	$1,202,000	757
Cash dividends	$16,000	2,493
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$165,000	4,245
2010-12-31 (YTD Data)		Rank
Total interest income	$10,003,000	2,964
Total interest expense	$2,282,000	3,213
Net interest income	$7,721,000	2,814
Provision for loan and lease losses	$2,656,000	1,751
Total noninterest income	$2,871,000	1,602
Gross Fiduciary activities income	$1,104,000	373
Service charges on deposit accounts	$668,000	2,119
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,099,000	2,069
Total noninterest expense	$7,075,000	2,704
Salaries and employee benefits	$3,888,000	2,473
Premises and equipment expense	$919,000	2,661
Additional noninterest expense	$2,268,000	2,915
Pre-tax net operating income	$861,000	3,630
Securities gains (losses)	$160,000	1,780
Applicable income taxes	$-35,000	6,679
Income before extraordinary items	$1,056,000	3,116
Extraordinary gains, net	$0	29
Net income	$1,056,000	3,113
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,056,000	3,116
Net charge-offs	$2,640,000	1,578
Cash dividends	$197,000	3,319
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$896,000	3,309
2010-09-30 (YTD Data)		Rank
Total interest income	$7,516,000	3,017
Total interest expense	$1,762,000	3,257
Net interest income	$5,754,000	2,870
Provision for loan and lease losses	$1,954,000	1,680
Total noninterest income	$2,091,000	1,637
Gross Fiduciary activities income	$809,000	382
Service charges on deposit accounts	$509,000	2,139
Trading account gains and fees	$0	165
Additional Noninterest Income	$773,000	2,115
Total noninterest expense	$5,317,000	2,696
Salaries and employee benefits	$2,926,000	2,476
Premises and equipment expense	$731,000	2,571
Additional noninterest expense	$1,660,000	2,929
Pre-tax net operating income	$574,000	4,014
Securities gains (losses)	$160,000	1,545
Applicable income taxes	$-46,000	6,962
Income before extraordinary items	$780,000	3,323
Extraordinary gains, net	$0	23
Net income	$780,000	3,321
Minority interest net income	$0	110
Net income of bank and minority interests.	$780,000	3,323
Net charge-offs	$2,099,000	1,464
Cash dividends	$137,000	3,001
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$620,000	3,581
2010-06-30 (YTD Data)		Rank
Total interest income	$4,964,000	3,060
Total interest expense	$1,189,000	3,328
Net interest income	$3,775,000	2,912
Provision for loan and lease losses	$1,153,000	1,793
Total noninterest income	$1,371,000	1,612
Gross Fiduciary activities income	$541,000	381
Service charges on deposit accounts	$332,000	2,177
Trading account gains and fees	$0	152
Additional Noninterest Income	$498,000	2,106
Total noninterest expense	$3,540,000	2,705
Salaries and employee benefits	$1,957,000	2,492
Premises and equipment expense	$484,000	2,597
Additional noninterest expense	$1,099,000	2,949
Pre-tax net operating income	$453,000	3,797
Securities gains (losses)	$160,000	1,090
Applicable income taxes	$-50,000	7,081
Income before extraordinary items	$663,000	2,869
Extraordinary gains, net	$0	19
Net income	$663,000	2,865
Minority interest net income	$0	105
Net income of bank and minority interests.	$663,000	2,867
Net charge-offs	$874,000	1,862
Cash dividends	$132,000	2,640
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$503,000	3,290
2010-03-31 (YTD Data)		Rank
Total interest income	$2,527,000	3,078
Total interest expense	$607,000	3,406
Net interest income	$1,920,000	2,891
Provision for loan and lease losses	$600,000	1,610
Total noninterest income	$656,000	1,677
Gross Fiduciary activities income	$270,000	387
Service charges on deposit accounts	$159,000	2,241
Trading account gains and fees	$0	175
Additional Noninterest Income	$227,000	2,210
Total noninterest expense	$1,767,000	2,750
Salaries and employee benefits	$977,000	2,522
Premises and equipment expense	$248,000	2,612
Additional noninterest expense	$542,000	2,959
Pre-tax net operating income	$209,000	3,986
Securities gains (losses)	$160,000	597
Applicable income taxes	$-60,000	7,362
Income before extraordinary items	$429,000	2,436
Extraordinary gains, net	$0	16
Net income	$429,000	2,434
Minority interest net income	$0	91
Net income of bank and minority interests.	$429,000	2,436
Net charge-offs	$904,000	1,112
Cash dividends	$85,000	2,006
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$269,000	3,228
2009-12-31 (YTD Data)		Rank
Total interest income	$10,913,000	2,997
Total interest expense	$2,801,000	3,607
Net interest income	$8,112,000	2,693
Provision for loan and lease losses	$2,192,000	2,370
Total noninterest income	$2,423,000	1,871
Gross Fiduciary activities income	$962,000	393
Service charges on deposit accounts	$611,000	2,508
Trading account gains and fees	$0	211
Additional Noninterest Income	$850,000	2,371
Total noninterest expense	$7,356,000	2,671
Salaries and employee benefits	$3,968,000	2,463
Premises and equipment expense	$994,000	2,587
Additional noninterest expense	$2,394,000	2,846
Pre-tax net operating income	$987,000	3,010
Securities gains (losses)	$336,000	1,142
Applicable income taxes	$-52,000	6,450
Income before extraordinary items	$1,375,000	2,251
Extraordinary gains, net	$0	34
Net income	$1,375,000	2,249
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,375,000	2,250
Net charge-offs	$1,125,000	2,730
Cash dividends	$642,000	2,225
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,039,000	2,657
2009-09-30 (YTD Data)		Rank
Total interest income	$8,273,000	3,010
Total interest expense	$2,152,000	3,669
Net interest income	$6,121,000	2,685
Provision for loan and lease losses	$426,000	4,084
Total noninterest income	$1,802,000	1,920
Gross Fiduciary activities income	$688,000	401
Service charges on deposit accounts	$443,000	2,577
Trading account gains and fees	$0	212
Additional Noninterest Income	$671,000	2,354
Total noninterest expense	$5,533,000	2,672
Salaries and employee benefits	$3,033,000	2,453
Premises and equipment expense	$745,000	2,619
Additional noninterest expense	$1,755,000	2,871
Pre-tax net operating income	$1,964,000	1,656
Securities gains (losses)	$0	3,497
Applicable income taxes	$-24,000	6,729
Income before extraordinary items	$1,988,000	1,340
Extraordinary gains, net	$0	27
Net income	$1,988,000	1,338
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,988,000	1,340
Net charge-offs	$121,000	4,873
Cash dividends	$642,000	1,717
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,988,000	1,314
2009-06-30 (YTD Data)		Rank
Total interest income	$5,548,000	3,026
Total interest expense	$1,507,000	3,657
Net interest income	$4,041,000	2,691
Provision for loan and lease losses	$140,000	4,862
Total noninterest income	$1,197,000	1,915
Gross Fiduciary activities income	$451,000	409
Service charges on deposit accounts	$301,000	2,533
Trading account gains and fees	$0	193
Additional Noninterest Income	$445,000	2,391
Total noninterest expense	$3,846,000	2,600
Salaries and employee benefits	$2,045,000	2,467
Premises and equipment expense	$503,000	2,627
Additional noninterest expense	$1,298,000	2,649
Pre-tax net operating income	$1,252,000	1,764
Securities gains (losses)	$0	3,136
Applicable income taxes	$51,000	3,143
Income before extraordinary items	$1,201,000	1,551
Extraordinary gains, net	$0	21
Net income	$1,201,000	1,548
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,201,000	1,550
Net charge-offs	$-148,000	8,164
Cash dividends	$342,000	2,068
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,201,000	1,524
2009-03-31 (YTD Data)		Rank
Total interest income	$2,798,000	3,038
Total interest expense	$812,000	3,577
Net interest income	$1,986,000	2,726
Provision for loan and lease losses	$136,000	3,442
Total noninterest income	$561,000	1,963
Gross Fiduciary activities income	$211,000	433
Service charges on deposit accounts	$140,000	2,606
Trading account gains and fees	$0	171
Additional Noninterest Income	$210,000	2,442
Total noninterest expense	$1,933,000	2,504
Salaries and employee benefits	$1,054,000	2,422
Premises and equipment expense	$252,000	2,661
Additional noninterest expense	$627,000	2,469
Pre-tax net operating income	$478,000	2,464
Securities gains (losses)	$0	2,434
Applicable income taxes	$19,000	3,607
Income before extraordinary items	$459,000	2,290
Extraordinary gains, net	$0	15
Net income	$459,000	2,290
Minority interest net income	$0	102
Net income of bank and minority interests.	$459,000	2,292
Net charge-offs	$-34,000	8,085
Cash dividends	$122,000	2,101
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$459,000	2,156
2008-12-31 (YTD Data)		Rank
Total interest income	$12,994,000	2,829
Total interest expense	$4,695,000	3,134
Net interest income	$8,299,000	2,620
Provision for loan and lease losses	$1,081,000	2,586
Total noninterest income	$2,483,000	1,818
Gross Fiduciary activities income	$1,122,000	384
Service charges on deposit accounts	$640,000	2,518
Trading account gains and fees	$0	154
Additional Noninterest Income	$721,000	2,606
Total noninterest expense	$7,215,000	2,614
Salaries and employee benefits	$4,161,000	2,414
Premises and equipment expense	$1,046,000	2,520
Additional noninterest expense	$2,008,000	2,866
Pre-tax net operating income	$2,486,000	2,095
Securities gains (losses)	$149,000	869
Applicable income taxes	$110,000	3,317
Income before extraordinary items	$2,525,000	1,603
Extraordinary gains, net	$0	39
Net income	$2,525,000	1,604
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,270,000	1,719
Cash dividends	$724,000	2,805
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,381,960	1,799
2008-09-30 (YTD Data)		Rank
Total interest income	$9,934,000	2,833
Total interest expense	$3,673,000	3,117
Net interest income	$6,261,000	2,618
Provision for loan and lease losses	$475,000	2,804
Total noninterest income	$1,843,000	1,882
Gross Fiduciary activities income	$834,000	393
Service charges on deposit accounts	$483,000	2,525
Trading account gains and fees	$0	148
Additional Noninterest Income	$526,000	2,737
Total noninterest expense	$5,573,000	2,540
Salaries and employee benefits	$3,245,000	2,360
Premises and equipment expense	$793,000	2,517
Additional noninterest expense	$1,535,000	2,724
Pre-tax net operating income	$2,056,000	2,263
Securities gains (losses)	$114,000	882
Applicable income taxes	$88,000	3,699
Income before extraordinary items	$2,082,000	1,708
Extraordinary gains, net	$0	31
Net income	$2,082,000	1,707
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-120,000	8,287
Cash dividends	$608,000	2,462
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,972,560	1,895
2008-06-30 (YTD Data)		Rank
Total interest income	$6,791,000	2,803
Total interest expense	$2,644,000	3,033
Net interest income	$4,147,000	2,632
Provision for loan and lease losses	$167,000	3,442
Total noninterest income	$1,223,000	1,923
Gross Fiduciary activities income	$555,000	398
Service charges on deposit accounts	$326,000	2,469
Trading account gains and fees	$0	149
Additional Noninterest Income	$342,000	2,827
Total noninterest expense	$3,679,000	2,565
Salaries and employee benefits	$2,158,000	2,392
Premises and equipment expense	$509,000	2,598
Additional noninterest expense	$1,012,000	2,714
Pre-tax net operating income	$1,524,000	2,165
Securities gains (losses)	$114,000	875
Applicable income taxes	$66,000	3,840
Income before extraordinary items	$1,572,000	1,718
Extraordinary gains, net	$0	21
Net income	$1,572,000	1,719
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-48,000	8,255
Cash dividends	$468,000	2,388
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,462,560	1,812
2008-03-31 (YTD Data)		Rank
Total interest income	$3,609,000	2,710
Total interest expense	$1,565,000	2,770
Net interest income	$2,044,000	2,662
Provision for loan and lease losses	$5,000	5,755
Total noninterest income	$626,000	1,892
Gross Fiduciary activities income	$284,000	396
Service charges on deposit accounts	$198,000	2,098
Trading account gains and fees	$0	158
Additional Noninterest Income	$144,000	3,103
Total noninterest expense	$1,850,000	2,540
Salaries and employee benefits	$1,087,000	2,396
Premises and equipment expense	$264,000	2,549
Additional noninterest expense	$499,000	2,729
Pre-tax net operating income	$815,000	2,119
Securities gains (losses)	$114,000	653
Applicable income taxes	$38,000	3,830
Income before extraordinary items	$891,000	1,667
Extraordinary gains, net	$0	15
Net income	$891,000	1,669
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-20,000	8,139
Cash dividends	$270,000	2,001
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$781,560	1,787
2007-12-31 (YTD Data)		Rank
Total interest income	$15,306,000	2,627
Total interest expense	$6,772,000	2,711
Net interest income	$8,534,000	2,569
Provision for loan and lease losses	$4,000	6,762
Total noninterest income	$2,768,000	1,737
Gross Fiduciary activities income	$1,244,000	372
Service charges on deposit accounts	$869,000	1,993
Trading account gains and fees	$0	178
Additional Noninterest Income	$655,000	2,859
Total noninterest expense	$7,242,000	2,507
Salaries and employee benefits	$4,150,000	2,415
Premises and equipment expense	$996,000	2,579
Additional noninterest expense	$2,096,000	2,548
Pre-tax net operating income	$4,056,000	1,957
Securities gains (losses)	$-375,000	8,335
Applicable income taxes	$-37,000	7,907
Income before extraordinary items	$3,718,000	1,703
Extraordinary gains, net	$0	39
Net income	$3,718,000	1,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-78,000	8,352
Cash dividends	$3,218,000	1,121
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$4,093,000	1,542
2007-09-30 (YTD Data)		Rank
Total interest income	$11,491,000	2,629
Total interest expense	$5,098,000	2,702
Net interest income	$6,393,000	2,589
Provision for loan and lease losses	$3,000	6,442
Total noninterest income	$2,083,000	1,736
Gross Fiduciary activities income	$934,000	365
Service charges on deposit accounts	$669,000	1,933
Trading account gains and fees	$0	184
Additional Noninterest Income	$480,000	2,916
Total noninterest expense	$5,490,000	2,467
Salaries and employee benefits	$3,143,000	2,396
Premises and equipment expense	$749,000	2,572
Additional noninterest expense	$1,598,000	2,474
Pre-tax net operating income	$2,983,000	2,117
Securities gains (losses)	$-375,000	8,433
Applicable income taxes	$-72,000	8,206
Income before extraordinary items	$2,680,000	1,884
Extraordinary gains, net	$0	33
Net income	$2,680,000	1,882
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-104,000	8,390
Cash dividends	$1,770,000	1,343
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$3,055,000	1,644
2007-06-30 (YTD Data)		Rank
Total interest income	$7,675,000	2,643
Total interest expense	$3,446,000	2,655
Net interest income	$4,229,000	2,634
Provision for loan and lease losses	$1,000	6,174
Total noninterest income	$1,400,000	1,754
Gross Fiduciary activities income	$619,000	372
Service charges on deposit accounts	$428,000	1,999
Trading account gains and fees	$0	168
Additional Noninterest Income	$353,000	2,756
Total noninterest expense	$3,694,000	2,464
Salaries and employee benefits	$2,103,000	2,428
Premises and equipment expense	$496,000	2,605
Additional noninterest expense	$1,095,000	2,415
Pre-tax net operating income	$1,934,000	2,229
Securities gains (losses)	$-343,000	8,505
Applicable income taxes	$-114,000	8,396
Income before extraordinary items	$1,705,000	2,009
Extraordinary gains, net	$0	29
Net income	$1,705,000	2,008
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-107,000	8,447
Cash dividends	$1,472,000	1,145
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$2,048,000	1,666
2007-03-31 (YTD Data)		Rank
Total interest income	$3,842,000	2,637
Total interest expense	$1,788,000	2,561
Net interest income	$2,054,000	2,695
Provision for loan and lease losses	$0	5,779
Total noninterest income	$698,000	1,738
Gross Fiduciary activities income	$315,000	368
Service charges on deposit accounts	$201,000	2,044
Trading account gains and fees	$0	195
Additional Noninterest Income	$182,000	2,689
Total noninterest expense	$1,898,000	2,408
Salaries and employee benefits	$1,074,000	2,389
Premises and equipment expense	$252,000	2,575
Additional noninterest expense	$572,000	2,278
Pre-tax net operating income	$854,000	2,451
Securities gains (losses)	$-283,000	8,597
Applicable income taxes	$-137,000	8,539
Income before extraordinary items	$708,000	2,297
Extraordinary gains, net	$0	22
Net income	$708,000	2,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-122,000	8,533
Cash dividends	$171,000	2,610
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$991,000	1,717
2006-12-31 (YTD Data)		Rank
Total interest income	$15,742,000	2,453
Total interest expense	$6,881,000	2,318
Net interest income	$8,861,000	2,546
Provision for loan and lease losses	$168,000	3,878
Total noninterest income	$2,687,000	1,779
Gross Fiduciary activities income	$1,055,000	388
Service charges on deposit accounts	$940,000	1,842
Trading account gains and fees	$0	130
Additional Noninterest Income	$692,000	2,782
Total noninterest expense	$7,399,000	2,392
Salaries and employee benefits	$4,219,000	2,333
Premises and equipment expense	$941,000	2,617
Additional noninterest expense	$2,239,000	2,313
Pre-tax net operating income	$3,981,000	2,271
Securities gains (losses)	$-679,000	8,542
Applicable income taxes	$-72,000	8,330
Income before extraordinary items	$3,374,000	2,074
Extraordinary gains, net	$0	51
Net income	$3,374,000	2,075
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-299,000	8,618
Cash dividends	$4,109,000	846
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$4,053,000	1,749
2006-09-30 (YTD Data)		Rank
Total interest income	$11,580,000	2,476
Total interest expense	$5,106,000	2,280
Net interest income	$6,474,000	2,632
Provision for loan and lease losses	$168,000	3,219
Total noninterest income	$1,996,000	1,802
Gross Fiduciary activities income	$771,000	386
Service charges on deposit accounts	$710,000	1,839
Trading account gains and fees	$0	126
Additional Noninterest Income	$515,000	2,808
Total noninterest expense	$5,605,000	2,363
Salaries and employee benefits	$3,217,000	2,282
Premises and equipment expense	$708,000	2,611
Additional noninterest expense	$1,680,000	2,300
Pre-tax net operating income	$2,697,000	2,503
Securities gains (losses)	$-679,000	8,650
Applicable income taxes	$-125,000	8,583
Income before extraordinary items	$2,143,000	2,433
Extraordinary gains, net	$0	45
Net income	$2,143,000	2,434
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	7,863
Cash dividends	$599,000	2,689
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,822,000	1,922
2006-06-30 (YTD Data)		Rank
Total interest income	$7,582,000	2,483
Total interest expense	$3,398,000	2,189
Net interest income	$4,184,000	2,696
Provision for loan and lease losses	$164,000	2,459
Total noninterest income	$1,266,000	1,872
Gross Fiduciary activities income	$486,000	415
Service charges on deposit accounts	$463,000	1,859
Trading account gains and fees	$0	126
Additional Noninterest Income	$317,000	2,911
Total noninterest expense	$3,686,000	2,398
Salaries and employee benefits	$2,120,000	2,316
Premises and equipment expense	$469,000	2,614
Additional noninterest expense	$1,097,000	2,355
Pre-tax net operating income	$1,600,000	2,748
Securities gains (losses)	$0	1,185
Applicable income taxes	$66,000	4,985
Income before extraordinary items	$1,534,000	2,302
Extraordinary gains, net	$0	39
Net income	$1,534,000	2,305
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,722
Cash dividends	$436,000	2,575
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,534,000	2,287
2006-03-31 (YTD Data)		Rank
Total interest income	$3,691,000	2,496
Total interest expense	$1,678,000	2,126
Net interest income	$2,013,000	2,766
Provision for loan and lease losses	$82,000	2,309
Total noninterest income	$602,000	1,931
Gross Fiduciary activities income	$244,000	412
Service charges on deposit accounts	$231,000	1,814
Trading account gains and fees	$0	115
Additional Noninterest Income	$127,000	3,279
Total noninterest expense	$1,840,000	2,395
Salaries and employee benefits	$1,068,000	2,305
Premises and equipment expense	$234,000	2,626
Additional noninterest expense	$538,000	2,388
Pre-tax net operating income	$693,000	2,992
Securities gains (losses)	$0	955
Applicable income taxes	$28,000	5,092
Income before extraordinary items	$665,000	2,539
Extraordinary gains, net	$0	21
Net income	$665,000	2,540
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,443
Cash dividends	$183,000	2,523
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$665,000	2,521
2005-12-31 (YTD Data)		Rank
Total interest income	$12,842,000	2,570
Total interest expense	$4,759,000	2,298
Net interest income	$8,083,000	2,670
Provision for loan and lease losses	$121,000	4,451
Total noninterest income	$2,412,000	1,925
Gross Fiduciary activities income	$928,000	410
Service charges on deposit accounts	$952,000	1,803
Trading account gains and fees	$0	138
Additional Noninterest Income	$532,000	3,257
Total noninterest expense	$7,255,000	2,306
Salaries and employee benefits	$4,086,000	2,244
Premises and equipment expense	$929,000	2,523
Additional noninterest expense	$2,240,000	2,231
Pre-tax net operating income	$3,119,000	2,672
Securities gains (losses)	$0	2,296
Applicable income taxes	$1,058,000	2,188
Income before extraordinary items	$2,061,000	3,026
Extraordinary gains, net	$0	46
Net income	$2,061,000	3,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$391,000	1,438
Cash dividends	$3,378,000	942
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,061,000	2,986
2005-09-30 (YTD Data)		Rank
Total interest income	$9,294,000	2,588
Total interest expense	$3,314,000	2,348
Net interest income	$5,980,000	2,687
Provision for loan and lease losses	$88,000	4,501
Total noninterest income	$1,786,000	1,950
Gross Fiduciary activities income	$690,000	406
Service charges on deposit accounts	$697,000	1,838
Trading account gains and fees	$0	126
Additional Noninterest Income	$399,000	3,286
Total noninterest expense	$5,443,000	2,285
Salaries and employee benefits	$3,072,000	2,216
Premises and equipment expense	$707,000	2,488
Additional noninterest expense	$1,664,000	2,220
Pre-tax net operating income	$2,235,000	2,808
Securities gains (losses)	$0	2,317
Applicable income taxes	$698,000	2,394
Income before extraordinary items	$1,537,000	3,066
Extraordinary gains, net	$0	35
Net income	$1,537,000	3,067
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$272,000	1,349
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,537,000	3,031
2005-06-30 (YTD Data)		Rank
Total interest income	$6,114,000	2,561
Total interest expense	$2,139,000	2,287
Net interest income	$3,975,000	2,671
Provision for loan and lease losses	$46,000	4,697
Total noninterest income	$1,154,000	1,971
Gross Fiduciary activities income	$456,000	410
Service charges on deposit accounts	$423,000	1,978
Trading account gains and fees	$0	116
Additional Noninterest Income	$275,000	3,227
Total noninterest expense	$3,610,000	2,273
Salaries and employee benefits	$2,047,000	2,210
Premises and equipment expense	$456,000	2,543
Additional noninterest expense	$1,107,000	2,215
Pre-tax net operating income	$1,473,000	2,798
Securities gains (losses)	$0	2,146
Applicable income taxes	$456,000	2,396
Income before extraordinary items	$1,017,000	3,047
Extraordinary gains, net	$0	30
Net income	$1,017,000	3,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-52,000	8,493
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,017,000	3,003
2005-03-31 (YTD Data)		Rank
Total interest income	$2,954,000	2,603
Total interest expense	$1,036,000	2,263
Net interest income	$1,918,000	2,751
Provision for loan and lease losses	$46,000	3,310
Total noninterest income	$531,000	2,052
Gross Fiduciary activities income	$226,000	413
Service charges on deposit accounts	$198,000	2,016
Trading account gains and fees	$0	115
Additional Noninterest Income	$107,000	3,603
Total noninterest expense	$1,811,000	2,288
Salaries and employee benefits	$1,022,000	2,227
Premises and equipment expense	$227,000	2,562
Additional noninterest expense	$562,000	2,177
Pre-tax net operating income	$592,000	3,254
Securities gains (losses)	$0	1,685
Applicable income taxes	$175,000	2,812
Income before extraordinary items	$417,000	3,517
Extraordinary gains, net	$0	24
Net income	$417,000	3,518
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	7,691
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$417,000	3,480
2004-12-31 (YTD Data)		Rank
Total interest income	$11,431,000	2,510
Total interest expense	$3,636,000	2,225
Net interest income	$7,795,000	2,593
Provision for loan and lease losses	$761,000	1,343
Total noninterest income	$2,211,000	2,052
Gross Fiduciary activities income	$749,000	440
Service charges on deposit accounts	$926,000	1,884
Trading account gains and fees	$0	138
Additional Noninterest Income	$536,000	3,190
Total noninterest expense	$7,328,000	2,174
Salaries and employee benefits	$3,910,000	2,223
Premises and equipment expense	$986,000	2,322
Additional noninterest expense	$2,432,000	2,014
Pre-tax net operating income	$1,917,000	3,595
Securities gains (losses)	$0	3,819
Applicable income taxes	$600,000	3,031
Income before extraordinary items	$1,317,000	3,954
Extraordinary gains, net	$0	34
Net income	$1,317,000	3,956
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,135,000	329
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,317,000	3,892
2004-09-30 (YTD Data)		Rank
Total interest income	$8,512,000	2,488
Total interest expense	$2,658,000	2,229
Net interest income	$5,854,000	2,572
Provision for loan and lease losses	$711,000	1,069
Total noninterest income	$1,724,000	2,005
Gross Fiduciary activities income	$551,000	450
Service charges on deposit accounts	$716,000	1,850
Trading account gains and fees	$0	134
Additional Noninterest Income	$457,000	2,955
Total noninterest expense	$5,517,000	2,155
Salaries and employee benefits	$2,963,000	2,195
Premises and equipment expense	$751,000	2,286
Additional noninterest expense	$1,803,000	1,994
Pre-tax net operating income	$1,350,000	3,853
Securities gains (losses)	$0	3,710
Applicable income taxes	$439,000	3,136
Income before extraordinary items	$911,000	4,235
Extraordinary gains, net	$0	26
Net income	$911,000	4,236
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,133,000	251
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$911,000	4,163
2004-06-30 (YTD Data)		Rank
Total interest income	$5,560,000	2,513
Total interest expense	$1,754,000	2,235
Net interest income	$3,806,000	2,607
Provision for loan and lease losses	$628,000	802
Total noninterest income	$1,183,000	1,945
Gross Fiduciary activities income	$352,000	456
Service charges on deposit accounts	$480,000	1,821
Trading account gains and fees	$0	130
Additional Noninterest Income	$351,000	2,725
Total noninterest expense	$3,697,000	2,156
Salaries and employee benefits	$1,980,000	2,193
Premises and equipment expense	$505,000	2,270
Additional noninterest expense	$1,212,000	1,972
Pre-tax net operating income	$664,000	4,577
Securities gains (losses)	$0	3,413
Applicable income taxes	$206,000	3,718
Income before extraordinary items	$458,000	4,959
Extraordinary gains, net	$0	21
Net income	$458,000	4,959
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,228,000	195
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$458,000	4,870
2004-03-31 (YTD Data)		Rank
Total interest income	$2,806,000	2,491
Total interest expense	$879,000	2,247
Net interest income	$1,927,000	2,572
Provision for loan and lease losses	$562,000	476
Total noninterest income	$647,000	1,769
Gross Fiduciary activities income	$171,000	475
Service charges on deposit accounts	$239,000	1,786
Trading account gains and fees	$0	121
Additional Noninterest Income	$237,000	2,209
Total noninterest expense	$1,834,000	2,179
Salaries and employee benefits	$975,000	2,249
Premises and equipment expense	$256,000	2,253
Additional noninterest expense	$603,000	1,967
Pre-tax net operating income	$178,000	6,092
Securities gains (losses)	$0	2,934
Applicable income taxes	$47,000	4,925
Income before extraordinary items	$131,000	6,322
Extraordinary gains, net	$0	16
Net income	$131,000	6,321
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,036,000	168
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$131,000	6,205
2003-12-31 (YTD Data)		Rank
Total interest income	$13,136,000	2,162
Total interest expense	$4,753,000	1,886
Net interest income	$8,383,000	2,313
Provision for loan and lease losses	$3,018,000	472
Total noninterest income	$2,063,000	2,277
Gross Fiduciary activities income	$648,000	480
Service charges on deposit accounts	$949,000	1,827
Trading account gains and fees	$0	160
Additional Noninterest Income	$466,000	3,700
Total noninterest expense	$7,347,000	2,147
Salaries and employee benefits	$3,842,000	2,209
Premises and equipment expense	$972,000	2,310
Additional noninterest expense	$2,533,000	1,900
Pre-tax net operating income	$81,000	8,274
Securities gains (losses)	$0	4,500
Applicable income taxes	$-72,000	8,903
Income before extraordinary items	$153,000	7,994
Extraordinary gains, net	$0	54
Net income	$153,000	7,997
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,514,000	680
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$153,000	7,873
2003-09-30 (YTD Data)		Rank
Total interest income	$10,262,000	2,114
Total interest expense	$3,813,000	1,833
Net interest income	$6,449,000	2,268
Provision for loan and lease losses	$2,262,000	474
Total noninterest income	$1,523,000	2,335
Gross Fiduciary activities income	$494,000	476
Service charges on deposit accounts	$739,000	1,752
Trading account gains and fees	$0	153
Additional Noninterest Income	$290,000	4,099
Total noninterest expense	$5,571,000	2,123
Salaries and employee benefits	$2,969,000	2,156
Premises and equipment expense	$750,000	2,264
Additional noninterest expense	$1,852,000	1,929
Pre-tax net operating income	$139,000	8,032
Securities gains (losses)	$0	4,204
Applicable income taxes	$-21,000	8,960
Income before extraordinary items	$160,000	7,836
Extraordinary gains, net	$0	40
Net income	$160,000	7,837
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$720,000	876
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$160,000	7,688
2003-06-30 (YTD Data)		Rank
Total interest income	$7,167,000	2,031
Total interest expense	$2,803,000	1,732
Net interest income	$4,364,000	2,231
Provision for loan and lease losses	$1,654,000	446
Total noninterest income	$1,002,000	2,357
Gross Fiduciary activities income	$348,000	474
Service charges on deposit accounts	$485,000	1,747
Trading account gains and fees	$0	150
Additional Noninterest Income	$169,000	4,347
Total noninterest expense	$3,687,000	2,130
Salaries and employee benefits	$1,991,000	2,136
Premises and equipment expense	$479,000	2,344
Additional noninterest expense	$1,217,000	1,965
Pre-tax net operating income	$25,000	8,524
Securities gains (losses)	$0	3,782
Applicable income taxes	$16,000	6,732
Income before extraordinary items	$9,000	8,715
Extraordinary gains, net	$0	30
Net income	$9,000	8,716
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$764,000	621
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$9,000	8,600
2003-03-31 (YTD Data)		Rank
Total interest income	$3,664,000	1,995
Total interest expense	$1,542,000	1,601
Net interest income	$2,122,000	2,294
Provision for loan and lease losses	$400,000	718
Total noninterest income	$489,000	2,318
Gross Fiduciary activities income	$188,000	459
Service charges on deposit accounts	$215,000	1,909
Trading account gains and fees	$0	134
Additional Noninterest Income	$86,000	4,205
Total noninterest expense	$1,847,000	2,122
Salaries and employee benefits	$978,000	2,162
Premises and equipment expense	$239,000	2,330
Additional noninterest expense	$630,000	1,868
Pre-tax net operating income	$364,000	4,287
Securities gains (losses)	$0	2,891
Applicable income taxes	$110,000	3,771
Income before extraordinary items	$254,000	4,678
Extraordinary gains, net	$0	21
Net income	$254,000	4,678
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$309,000	678
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$254,000	4,475
2002-12-31 (YTD Data)		Rank
Total interest income	$16,351,000	1,888
Total interest expense	$6,837,000	1,672
Net interest income	$9,514,000	2,037
Provision for loan and lease losses	$1,940,000	761
Total noninterest income	$1,816,000	2,308
Gross Fiduciary activities income	$705,000	474
Service charges on deposit accounts	$850,000	1,901
Trading account gains and fees	$0	153
Additional Noninterest Income	$261,000	4,546
Total noninterest expense	$7,069,000	2,128
Salaries and employee benefits	$3,933,000	2,032
Premises and equipment expense	$731,000	2,890
Additional noninterest expense	$2,405,000	1,925
Pre-tax net operating income	$2,321,000	3,059
Securities gains (losses)	$268,000	977
Applicable income taxes	$787,000	2,625
Income before extraordinary items	$1,802,000	3,037
Extraordinary gains, net	$0	70
Net income	$1,802,000	3,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$760,000	1,207
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,614,400	3,211
2001-12-31 (YTD Data)		Rank
Total interest income	$17,812,000	1,925
Total interest expense	$9,937,000	1,630
Net interest income	$7,875,000	2,280
Provision for loan and lease losses	$635,000	1,814
Total noninterest income	$1,912,000	2,088
Gross Fiduciary activities income	$694,000	498
Service charges on deposit accounts	$718,000	2,096
Trading account gains and fees	$0	177
Additional Noninterest Income	$500,000	3,129
Total noninterest expense	$6,873,000	2,088
Salaries and employee benefits	$3,904,000	1,920
Premises and equipment expense	$910,000	2,342
Additional noninterest expense	$2,059,000	2,184
Pre-tax net operating income	$2,279,000	2,869
Securities gains (losses)	$250,000	1,023
Applicable income taxes	$818,000	2,385
Income before extraordinary items	$1,711,000	2,915
Extraordinary gains, net	$0	105
Net income	$1,711,000	2,917
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	3,117
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,541,000	3,061
2000-12-31 (YTD Data)		Rank
Total interest income	$15,710,000	2,233
Total interest expense	$8,030,000	2,138
Net interest income	$7,680,000	2,316
Provision for loan and lease losses	$733,000	1,365
Total noninterest income	$2,276,000	1,701
Gross Fiduciary activities income	$616,000	543
Service charges on deposit accounts	$713,000	1,937
Trading account gains and fees	$0	180
Additional Noninterest Income	$947,000	1,928
Total noninterest expense	$6,228,000	2,208
Salaries and employee benefits	$3,424,000	2,084
Premises and equipment expense	$947,000	2,186
Additional noninterest expense	$1,857,000	2,313
Pre-tax net operating income	$2,995,000	2,400
Securities gains (losses)	$-4,000	7,844
Applicable income taxes	$976,000	2,169
Income before extraordinary items	$2,015,000	2,539
Extraordinary gains, net	$0	38
Net income	$2,015,000	2,538
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$239,000	2,120
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,017,680	2,540
1999-12-31 (YTD Data)		Rank
Total interest income	$11,683,000	2,774
Total interest expense	$5,139,000	2,841
Net interest income	$6,544,000	2,685
Provision for loan and lease losses	$500,000	1,756
Total noninterest income	$1,604,000	2,192
Gross Fiduciary activities income	$489,000	646
Service charges on deposit accounts	$605,000	2,215
Trading account gains and fees	$0	173
Additional Noninterest Income	$510,000	2,923
Total noninterest expense	$5,199,000	2,599
Salaries and employee benefits	$2,798,000	2,508
Premises and equipment expense	$921,000	2,221
Additional noninterest expense	$1,480,000	2,900
Pre-tax net operating income	$2,449,000	2,838
Securities gains (losses)	$20,000	1,398
Applicable income taxes	$754,000	2,764
Income before extraordinary items	$1,715,000	2,921
Extraordinary gains, net	$0	35
Net income	$1,715,000	2,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$306,000	1,789
Cash dividends	$473,000	3,642
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,701,200	2,904
1998-12-31 (YTD Data)		Rank
Total interest income	$9,798,000	3,295
Total interest expense	$4,101,000	3,604
Net interest income	$5,697,000	3,024
Provision for loan and lease losses	$300,000	2,562
Total noninterest income	$1,453,000	2,323
Gross Fiduciary activities income	$447,000	673
Service charges on deposit accounts	$536,000	2,396
Trading account gains and fees	$0	224
Additional Noninterest Income	$470,000	3,097
Total noninterest expense	$4,659,000	2,791
Salaries and employee benefits	$2,596,000	2,612
Premises and equipment expense	$744,000	2,611
Additional noninterest expense	$1,319,000	3,096
Pre-tax net operating income	$2,191,000	3,093
Securities gains (losses)	$57,000	1,648
Applicable income taxes	$700,000	3,028
Income before extraordinary items	$1,548,000	3,180
Extraordinary gains, net	$0	32
Net income	$1,548,000	3,180
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$231,000	2,227
Cash dividends	$1,669,000	1,526
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,508,670	3,153
1997-12-31 (YTD Data)		Rank
Total interest income	$9,574,000	3,373
Total interest expense	$4,223,000	3,481
Net interest income	$5,351,000	3,272
Provision for loan and lease losses	$290,000	2,696
Total noninterest income	$1,355,000	2,393
Gross Fiduciary activities income	$411,000	723
Service charges on deposit accounts	$505,000	2,600
Trading account gains and fees	$0	239
Additional Noninterest Income	$439,000	3,094
Total noninterest expense	$4,184,000	3,048
Salaries and employee benefits	$2,247,000	2,949
Premises and equipment expense	$611,000	3,098
Additional noninterest expense	$1,326,000	3,052
Pre-tax net operating income	$2,232,000	3,211
Securities gains (losses)	$-7,000	9,846
Applicable income taxes	$713,000	3,194
Income before extraordinary items	$1,512,000	3,331
Extraordinary gains, net	$0	44
Net income	$1,512,000	3,331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$415,000	1,547
Cash dividends	$177,000	5,643
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,516,760	3,252
1996-12-31 (YTD Data)		Rank
Total interest income	$8,832,000	3,672
Total interest expense	$3,990,000	3,720
Net interest income	$4,842,000	3,641
Provision for loan and lease losses	$390,000	2,134
Total noninterest income	$1,262,000	2,591
Gross Fiduciary activities income	$270,000	893
Service charges on deposit accounts	$540,000	2,516
Trading account gains and fees	$0	262
Additional Noninterest Income	$452,000	3,131
Total noninterest expense	$3,858,000	3,454
Salaries and employee benefits	$2,010,000	3,322
Premises and equipment expense	$643,000	2,998
Additional noninterest expense	$1,205,000	3,766
Pre-tax net operating income	$1,856,000	3,618
Securities gains (losses)	$0	4,148
Applicable income taxes	$542,000	3,889
Income before extraordinary items	$1,314,000	3,602
Extraordinary gains, net	$0	53
Net income	$1,314,000	3,601
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$320,000	1,980
Cash dividends	$1,309,000	1,752
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,314,000	3,551
1995-12-31 (YTD Data)		Rank
Total interest income	$8,140,000	3,951
Total interest expense	$3,824,000	3,827
Net interest income	$4,316,000	4,055
Provision for loan and lease losses	$28,000	7,236
Total noninterest income	$1,167,000	2,780
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$528,000	2,550
Trading account gains and fees	$0	522
Additional Noninterest Income	$639,000	2,435
Total noninterest expense	$3,686,000	3,569
Salaries and employee benefits	$1,805,000	3,630
Premises and equipment expense	$484,000	3,864
Additional noninterest expense	$1,397,000	3,270
Pre-tax net operating income	$1,769,000	3,898
Securities gains (losses)	$-62,000	11,287
Applicable income taxes	$486,000	4,294
Income before extraordinary items	$1,221,000	3,907
Extraordinary gains, net	$0	65
Net income	$1,221,000	3,905
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	10,798
Cash dividends	$969,000	2,124
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,265,640	3,748
1994-12-31 (YTD Data)		Rank
Total interest income	$7,242,000	4,096
Total interest expense	$3,054,000	3,899
Net interest income	$4,188,000	4,200
Provision for loan and lease losses	$0	9,146
Total noninterest income	$1,235,000	2,681
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$495,000	2,774
Trading account gains and fees	NA	NA
Additional Noninterest Income	$740,000	2,249
Total noninterest expense	$3,779,000	3,596
Salaries and employee benefits	$1,869,000	3,494
Premises and equipment expense	$525,000	3,647
Additional noninterest expense	$1,385,000	3,569
Pre-tax net operating income	$1,644,000	4,073
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$622,000	3,403
Income before extraordinary items	$1,021,000	4,465
Extraordinary gains, net	$0	249
Net income	$1,021,000	4,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$236,000	2,231
Cash dividends	$487,000	3,298
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,021,640	4,506
1993-12-31 (YTD Data)		Rank
Total interest income	$6,526,000	4,596
Total interest expense	$2,567,000	4,696
Net interest income	$3,959,000	4,447
Provision for loan and lease losses	$0	10,371
Total noninterest income	$750,000	4,212
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$435,000	3,197
Trading account gains and fees	NA	NA
Additional Noninterest Income	$315,000	4,333
Total noninterest expense	$3,246,000	4,204
Salaries and employee benefits	$1,754,000	3,704
Premises and equipment expense	$401,000	4,702
Additional noninterest expense	$1,091,000	4,567
Pre-tax net operating income	$1,463,000	4,418
Securities gains (losses)	$-12,000	12,812
Applicable income taxes	$617,000	3,514
Income before extraordinary items	$834,000	5,392
Extraordinary gains, net	$889,000	251
Net income	$1,723,000	2,955
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-46,000	12,622
Cash dividends	$1,800,000	1,119
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$841,680	5,122
1992-12-31 (YTD Data)		Rank
Total interest income	$2,019,000	10,861
Total interest expense	$765,000	11,496
Net interest income	$1,254,000	10,119
Provision for loan and lease losses	$0	11,756
Total noninterest income	$209,000	9,239
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	7,923
Trading account gains and fees	NA	NA
Additional Noninterest Income	$88,000	8,520
Total noninterest expense	$963,000	10,146
Salaries and employee benefits	$538,000	9,389
Premises and equipment expense	$116,000	10,180
Additional noninterest expense	$309,000	10,704
Pre-tax net operating income	$500,000	8,414
Securities gains (losses)	$0	8,369
Applicable income taxes	$203,000	7,497
Income before extraordinary items	$297,000	9,372
Extraordinary gains, net	$46,000	1,017
Net income	$343,000	8,935
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-222,000	13,857
Cash dividends	$63,000	7,372
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$297,000	8,977

* 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.