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Chart Bank, Income and Expense

2008-03-31 (YTD Data)		Rank
Total interest income	$1,850,000	4,552
Total interest expense	$866,000	4,294
Net interest income	$984,000	4,676
Provision for loan and lease losses	$0	6,080
Total noninterest income	$159,000	4,488
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$91,000	3,630
Trading account gains and fees	$0	158
Additional Noninterest Income	$68,000	4,477
Total noninterest expense	$699,000	5,371
Salaries and employee benefits	$417,000	5,121
Premises and equipment expense	$94,000	5,338
Additional noninterest expense	$188,000	5,537
Pre-tax net operating income	$444,000	3,292
Securities gains (losses)	$214,000	423
Applicable income taxes	$0	5,622
Income before extraordinary items	$658,000	2,138
Extraordinary gains, net	$0	15
Net income	$658,000	2,141
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	2,888
Cash dividends	$580,000	1,226
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$444,000	2,872
2007-12-31 (YTD Data)		Rank
Total interest income	$8,982,000	4,041
Total interest expense	$3,983,000	4,022
Net interest income	$4,999,000	4,005
Provision for loan and lease losses	$0	6,851
Total noninterest income	$609,000	4,610
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$410,000	3,481
Trading account gains and fees	$0	178
Additional Noninterest Income	$199,000	5,067
Total noninterest expense	$3,564,000	4,459
Salaries and employee benefits	$2,149,000	4,156
Premises and equipment expense	$405,000	4,994
Additional noninterest expense	$1,010,000	4,636
Pre-tax net operating income	$2,044,000	3,270
Securities gains (losses)	$-673,000	8,401
Applicable income taxes	$0	6,070
Income before extraordinary items	$1,371,000	3,625
Extraordinary gains, net	$0	39
Net income	$1,371,000	3,624
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	4,926
Cash dividends	$872,000	2,853
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,044,000	2,749
2007-09-30 (YTD Data)		Rank
Total interest income	$6,881,000	4,003
Total interest expense	$3,039,000	3,980
Net interest income	$3,842,000	3,933
Provision for loan and lease losses	$0	6,528
Total noninterest income	$460,000	4,603
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$309,000	3,461
Trading account gains and fees	$0	184
Additional Noninterest Income	$151,000	5,079
Total noninterest expense	$2,729,000	4,395
Salaries and employee benefits	$1,618,000	4,134
Premises and equipment expense	$312,000	4,898
Additional noninterest expense	$799,000	4,366
Pre-tax net operating income	$1,573,000	3,368
Securities gains (losses)	$-673,000	8,477
Applicable income taxes	$0	6,220
Income before extraordinary items	$900,000	4,117
Extraordinary gains, net	$0	33
Net income	$900,000	4,116
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	3,997
Cash dividends	$776,000	2,347
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,573,000	2,854
2007-06-30 (YTD Data)		Rank
Total interest income	$4,616,000	4,007
Total interest expense	$2,034,000	3,975
Net interest income	$2,582,000	3,929
Provision for loan and lease losses	$0	6,209
Total noninterest income	$308,000	4,600
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$207,000	3,442
Trading account gains and fees	$0	168
Additional Noninterest Income	$101,000	5,106
Total noninterest expense	$1,827,000	4,396
Salaries and employee benefits	$1,081,000	4,166
Premises and equipment expense	$202,000	5,004
Additional noninterest expense	$544,000	4,313
Pre-tax net operating income	$1,063,000	3,391
Securities gains (losses)	$-673,000	8,549
Applicable income taxes	$0	6,265
Income before extraordinary items	$390,000	5,131
Extraordinary gains, net	$0	29
Net income	$390,000	5,132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,195
Cash dividends	$496,000	2,468
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,063,000	2,880
2007-03-31 (YTD Data)		Rank
Total interest income	$2,308,000	4,002
Total interest expense	$1,033,000	3,931
Net interest income	$1,275,000	3,971
Provision for loan and lease losses	$0	5,779
Total noninterest income	$202,000	3,992
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$104,000	3,370
Trading account gains and fees	$0	195
Additional Noninterest Income	$98,000	3,797
Total noninterest expense	$900,000	4,439
Salaries and employee benefits	$535,000	4,220
Premises and equipment expense	$95,000	5,198
Additional noninterest expense	$270,000	4,283
Pre-tax net operating income	$577,000	3,209
Securities gains (losses)	$-673,000	8,618
Applicable income taxes	$0	6,196
Income before extraordinary items	$-96,000	8,174
Extraordinary gains, net	$0	22
Net income	$-96,000	8,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,797
Cash dividends	$64,000	3,451
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$577,000	2,707
2006-12-31 (YTD Data)		Rank
Total interest income	$8,282,000	4,105
Total interest expense	$3,537,000	3,887
Net interest income	$4,745,000	4,170
Provision for loan and lease losses	$0	6,850
Total noninterest income	$696,000	4,373
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$436,000	3,361
Trading account gains and fees	$0	130
Additional Noninterest Income	$260,000	4,575
Total noninterest expense	$3,662,000	4,249
Salaries and employee benefits	$2,273,000	3,879
Premises and equipment expense	$384,000	5,061
Additional noninterest expense	$1,005,000	4,498
Pre-tax net operating income	$1,779,000	3,921
Securities gains (losses)	$18,000	936
Applicable income taxes	$0	6,600
Income before extraordinary items	$1,797,000	3,352
Extraordinary gains, net	$0	51
Net income	$1,797,000	3,350
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$120,000	2,893
Cash dividends	$1,328,000	2,111
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,779,000	3,361
2006-09-30 (YTD Data)		Rank
Total interest income	$6,039,000	4,164
Total interest expense	$2,514,000	3,941
Net interest income	$3,525,000	4,226
Provision for loan and lease losses	$0	6,685
Total noninterest income	$551,000	4,264
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$333,000	3,337
Trading account gains and fees	$0	126
Additional Noninterest Income	$218,000	4,354
Total noninterest expense	$2,774,000	4,205
Salaries and employee benefits	$1,705,000	3,875
Premises and equipment expense	$293,000	5,020
Additional noninterest expense	$776,000	4,372
Pre-tax net operating income	$1,302,000	4,103
Securities gains (losses)	$18,000	773
Applicable income taxes	$0	6,687
Income before extraordinary items	$1,320,000	3,502
Extraordinary gains, net	$0	45
Net income	$1,320,000	3,504
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	2,666
Cash dividends	$592,000	2,709
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,302,000	3,521
2006-06-30 (YTD Data)		Rank
Total interest income	$3,897,000	4,210
Total interest expense	$1,585,000	3,970
Net interest income	$2,312,000	4,278
Provision for loan and lease losses	$0	6,419
Total noninterest income	$394,000	4,077
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$227,000	3,258
Trading account gains and fees	$0	126
Additional Noninterest Income	$167,000	4,099
Total noninterest expense	$1,888,000	4,156
Salaries and employee benefits	$1,190,000	3,769
Premises and equipment expense	$185,000	5,180
Additional noninterest expense	$513,000	4,403
Pre-tax net operating income	$818,000	4,278
Securities gains (losses)	$18,000	623
Applicable income taxes	$0	6,706
Income before extraordinary items	$836,000	3,636
Extraordinary gains, net	$0	39
Net income	$836,000	3,639
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	1,982
Cash dividends	$432,000	2,586
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$818,000	3,688
2006-03-31 (YTD Data)		Rank
Total interest income	$1,894,000	4,238
Total interest expense	$741,000	4,030
Net interest income	$1,153,000	4,276
Provision for loan and lease losses	$0	6,013
Total noninterest income	$192,000	4,076
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$101,000	3,453
Trading account gains and fees	$0	115
Additional Noninterest Income	$91,000	3,897
Total noninterest expense	$757,000	4,861
Salaries and employee benefits	$436,000	4,747
Premises and equipment expense	$86,000	5,415
Additional noninterest expense	$235,000	4,650
Pre-tax net operating income	$588,000	3,359
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$588,000	2,785
Extraordinary gains, net	$0	21
Net income	$588,000	2,785
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,654
Cash dividends	$64,000	3,444
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$588,000	2,769
2005-12-31 (YTD Data)		Rank
Total interest income	$6,886,000	4,201
Total interest expense	$2,286,000	4,054
Net interest income	$4,600,000	4,196
Provision for loan and lease losses	$325,000	2,662
Total noninterest income	$747,000	4,207
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$432,000	3,378
Trading account gains and fees	$0	138
Additional Noninterest Income	$315,000	4,229
Total noninterest expense	$3,430,000	4,359
Salaries and employee benefits	$2,128,000	3,949
Premises and equipment expense	$326,000	5,505
Additional noninterest expense	$976,000	4,497
Pre-tax net operating income	$1,592,000	4,234
Securities gains (losses)	$-28,000	7,972
Applicable income taxes	$0	6,964
Income before extraordinary items	$1,564,000	3,687
Extraordinary gains, net	$0	46
Net income	$1,564,000	3,689
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	3,347
Cash dividends	$1,510,000	1,808
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,592,000	3,620
2005-09-30 (YTD Data)		Rank
Total interest income	$5,024,000	4,228
Total interest expense	$1,606,000	4,105
Net interest income	$3,418,000	4,218
Provision for loan and lease losses	$300,000	2,192
Total noninterest income	$596,000	4,067
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$348,000	3,222
Trading account gains and fees	$0	126
Additional Noninterest Income	$248,000	4,151
Total noninterest expense	$2,433,000	4,510
Salaries and employee benefits	$1,466,000	4,165
Premises and equipment expense	$248,000	5,456
Additional noninterest expense	$719,000	4,538
Pre-tax net operating income	$1,281,000	4,155
Securities gains (losses)	$-29,000	8,319
Applicable income taxes	$0	6,976
Income before extraordinary items	$1,252,000	3,558
Extraordinary gains, net	$0	35
Net income	$1,252,000	3,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	2,717
Cash dividends	$726,000	2,255
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,281,000	3,476
2005-06-30 (YTD Data)		Rank
Total interest income	$3,305,000	4,198
Total interest expense	$1,011,000	4,094
Net interest income	$2,294,000	4,187
Provision for loan and lease losses	$225,000	1,956
Total noninterest income	$345,000	4,407
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$238,000	3,114
Trading account gains and fees	$0	116
Additional Noninterest Income	$107,000	5,049
Total noninterest expense	$1,448,000	4,844
Salaries and employee benefits	$821,000	4,726
Premises and equipment expense	$157,000	5,574
Additional noninterest expense	$470,000	4,592
Pre-tax net operating income	$966,000	3,799
Securities gains (losses)	$-28,000	8,457
Applicable income taxes	$0	6,961
Income before extraordinary items	$938,000	3,243
Extraordinary gains, net	$0	30
Net income	$938,000	3,244
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	2,361
Cash dividends	$454,000	2,351
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$966,000	3,123
2005-03-31 (YTD Data)		Rank
Total interest income	$1,630,000	4,217
Total interest expense	$483,000	4,122
Net interest income	$1,147,000	4,208
Provision for loan and lease losses	$150,000	1,379
Total noninterest income	$179,000	4,262
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$127,000	2,903
Trading account gains and fees	$0	115
Additional Noninterest Income	$52,000	5,105
Total noninterest expense	$707,000	4,970
Salaries and employee benefits	$404,000	4,807
Premises and equipment expense	$69,000	5,998
Additional noninterest expense	$234,000	4,589
Pre-tax net operating income	$469,000	3,847
Securities gains (losses)	$-28,000	8,715
Applicable income taxes	$0	6,892
Income before extraordinary items	$441,000	3,369
Extraordinary gains, net	$0	24
Net income	$441,000	3,370
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,985
Cash dividends	$54,000	3,380
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$469,000	3,159
2004-12-31 (YTD Data)		Rank
Total interest income	$6,066,000	4,229
Total interest expense	$1,689,000	4,160
Net interest income	$4,377,000	4,207
Provision for loan and lease losses	$600,000	1,645
Total noninterest income	$819,000	3,986
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$498,000	3,155
Trading account gains and fees	$0	138
Additional Noninterest Income	$321,000	4,140
Total noninterest expense	$3,161,000	4,494
Salaries and employee benefits	$1,664,000	4,594
Premises and equipment expense	$341,000	5,302
Additional noninterest expense	$1,156,000	3,867
Pre-tax net operating income	$1,435,000	4,356
Securities gains (losses)	$62,000	1,572
Applicable income taxes	$0	7,185
Income before extraordinary items	$1,497,000	3,650
Extraordinary gains, net	$0	34
Net income	$1,497,000	3,651
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$395,000	1,613
Cash dividends	$1,056,000	2,218
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,435,000	3,684
2004-09-30 (YTD Data)		Rank
Total interest income	$4,482,000	4,257
Total interest expense	$1,234,000	4,197
Net interest income	$3,248,000	4,227
Provision for loan and lease losses	$450,000	1,575
Total noninterest income	$602,000	4,075
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$374,000	3,168
Trading account gains and fees	$0	134
Additional Noninterest Income	$228,000	4,244
Total noninterest expense	$2,274,000	4,598
Salaries and employee benefits	$1,198,000	4,690
Premises and equipment expense	$230,000	5,589
Additional noninterest expense	$846,000	3,910
Pre-tax net operating income	$1,126,000	4,329
Securities gains (losses)	$62,000	1,498
Applicable income taxes	$0	7,220
Income before extraordinary items	$1,188,000	3,569
Extraordinary gains, net	$0	26
Net income	$1,188,000	3,569
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$353,000	1,285
Cash dividends	$436,000	2,921
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,126,000	3,631
2004-06-30 (YTD Data)		Rank
Total interest income	$2,933,000	4,320
Total interest expense	$807,000	4,261
Net interest income	$2,126,000	4,291
Provision for loan and lease losses	$300,000	1,523
Total noninterest income	$420,000	3,988
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$233,000	3,300
Trading account gains and fees	$0	130
Additional Noninterest Income	$187,000	3,877
Total noninterest expense	$1,550,000	4,562
Salaries and employee benefits	$837,000	4,558
Premises and equipment expense	$145,000	5,764
Additional noninterest expense	$568,000	3,908
Pre-tax net operating income	$696,000	4,467
Securities gains (losses)	$62,000	1,323
Applicable income taxes	$0	7,214
Income before extraordinary items	$758,000	3,663
Extraordinary gains, net	$0	21
Net income	$758,000	3,663
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,000	2,075
Cash dividends	$336,000	2,718
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$696,000	3,769
2004-03-31 (YTD Data)		Rank
Total interest income	$1,443,000	4,394
Total interest expense	$418,000	4,193
Net interest income	$1,025,000	4,402
Provision for loan and lease losses	$150,000	1,414
Total noninterest income	$207,000	3,986
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$108,000	3,400
Trading account gains and fees	$0	121
Additional Noninterest Income	$99,000	3,738
Total noninterest expense	$815,000	4,414
Salaries and employee benefits	$434,000	4,463
Premises and equipment expense	$69,000	5,921
Additional noninterest expense	$312,000	3,628
Pre-tax net operating income	$267,000	5,105
Securities gains (losses)	$62,000	1,078
Applicable income taxes	$0	7,103
Income before extraordinary items	$329,000	4,023
Extraordinary gains, net	$0	16
Net income	$329,000	4,022
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	3,075
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$267,000	4,448
2003-12-31 (YTD Data)		Rank
Total interest income	$6,233,000	4,201
Total interest expense	$2,175,000	3,753
Net interest income	$4,058,000	4,319
Provision for loan and lease losses	$625,000	1,783
Total noninterest income	$568,000	5,107
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$409,000	3,601
Trading account gains and fees	$0	160
Additional Noninterest Income	$159,000	5,725
Total noninterest expense	$2,716,000	4,921
Salaries and employee benefits	$1,441,000	4,984
Premises and equipment expense	$320,000	5,465
Additional noninterest expense	$955,000	4,419
Pre-tax net operating income	$1,285,000	4,508
Securities gains (losses)	$173,000	1,439
Applicable income taxes	$0	7,459
Income before extraordinary items	$1,458,000	3,633
Extraordinary gains, net	$0	54
Net income	$1,458,000	3,631
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$321,000	2,166
Cash dividends	$842,000	2,598
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,285,000	3,787
2003-09-30 (YTD Data)		Rank
Total interest income	$4,732,000	4,203
Total interest expense	$1,701,000	3,732
Net interest income	$3,031,000	4,359
Provision for loan and lease losses	$380,000	2,093
Total noninterest income	$390,000	5,382
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$291,000	3,720
Trading account gains and fees	$0	153
Additional Noninterest Income	$99,000	6,099
Total noninterest expense	$2,005,000	4,974
Salaries and employee benefits	$1,050,000	5,079
Premises and equipment expense	$246,000	5,386
Additional noninterest expense	$709,000	4,437
Pre-tax net operating income	$1,036,000	4,460
Securities gains (losses)	$138,000	1,481
Applicable income taxes	$0	7,524
Income before extraordinary items	$1,174,000	3,559
Extraordinary gains, net	$0	40
Net income	$1,174,000	3,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$136,000	2,758
Cash dividends	$500,000	2,668
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,036,000	3,742
2003-06-30 (YTD Data)		Rank
Total interest income	$3,237,000	4,155
Total interest expense	$1,186,000	3,702
Net interest income	$2,051,000	4,322
Provision for loan and lease losses	$230,000	2,276
Total noninterest income	$204,000	5,954
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$163,000	4,107
Trading account gains and fees	$0	150
Additional Noninterest Income	$41,000	6,905
Total noninterest expense	$1,313,000	5,022
Salaries and employee benefits	$698,000	5,097
Premises and equipment expense	$156,000	5,529
Additional noninterest expense	$459,000	4,524
Pre-tax net operating income	$712,000	4,381
Securities gains (losses)	$137,000	1,286
Applicable income taxes	$0	7,529
Income before extraordinary items	$849,000	3,348
Extraordinary gains, net	$0	30
Net income	$849,000	3,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$144,000	2,018
Cash dividends	$312,000	2,819
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$712,000	3,624
2003-03-31 (YTD Data)		Rank
Total interest income	$1,594,000	4,244
Total interest expense	$594,000	3,783
Net interest income	$1,000,000	4,404
Provision for loan and lease losses	$100,000	2,353
Total noninterest income	$101,000	5,896
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$59,000	4,806
Trading account gains and fees	$0	134
Additional Noninterest Income	$42,000	5,598
Total noninterest expense	$637,000	5,141
Salaries and employee benefits	$349,000	5,108
Premises and equipment expense	$72,000	5,758
Additional noninterest expense	$216,000	4,699
Pre-tax net operating income	$364,000	4,287
Securities gains (losses)	$7,000	2,278
Applicable income taxes	$0	7,403
Income before extraordinary items	$371,000	3,660
Extraordinary gains, net	$0	21
Net income	$371,000	3,658
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-20,000	8,858
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$364,000	3,525
2002-12-31 (YTD Data)		Rank
Total interest income	$6,780,000	4,157
Total interest expense	$2,715,000	3,844
Net interest income	$4,065,000	4,297
Provision for loan and lease losses	$450,000	2,572
Total noninterest income	$372,000	5,958
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$277,000	4,422
Trading account gains and fees	$0	153
Additional Noninterest Income	$95,000	6,547
Total noninterest expense	$2,666,000	4,864
Salaries and employee benefits	$1,325,000	5,140
Premises and equipment expense	$322,000	5,336
Additional noninterest expense	$1,019,000	4,122
Pre-tax net operating income	$1,321,000	4,444
Securities gains (losses)	$347,000	817
Applicable income taxes	$0	7,681
Income before extraordinary items	$1,668,000	3,230
Extraordinary gains, net	$0	70
Net income	$1,668,000	3,229
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$618,000	1,400
Cash dividends	$1,168,000	2,000
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,321,000	3,738
2001-12-31 (YTD Data)		Rank
Total interest income	$7,878,000	4,068
Total interest expense	$4,515,000	3,439
Net interest income	$3,363,000	4,679
Provision for loan and lease losses	$451,000	2,389
Total noninterest income	$486,000	5,143
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$325,000	3,958
Trading account gains and fees	$0	177
Additional Noninterest Income	$161,000	5,396
Total noninterest expense	$2,536,000	4,907
Salaries and employee benefits	$1,282,000	5,080
Premises and equipment expense	$304,000	5,474
Additional noninterest expense	$950,000	4,235
Pre-tax net operating income	$862,000	5,304
Securities gains (losses)	$16,000	3,318
Applicable income taxes	$0	7,903
Income before extraordinary items	$878,000	4,633
Extraordinary gains, net	$0	105
Net income	$878,000	4,635
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$212,000	2,767
Cash dividends	$528,000	3,365
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$862,000	4,564
2000-12-31 (YTD Data)		Rank
Total interest income	$7,861,000	4,193
Total interest expense	$4,522,000	3,606
Net interest income	$3,339,000	4,779
Provision for loan and lease losses	$210,000	3,626
Total noninterest income	$517,000	4,833
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$341,000	3,675
Trading account gains and fees	NA	NA
Additional Noninterest Income	$176,000	5,094
Total noninterest expense	$2,200,000	5,334
Salaries and employee benefits	$1,187,000	5,272
Premises and equipment expense	$296,000	5,466
Additional noninterest expense	$717,000	5,088
Pre-tax net operating income	$1,446,000	4,166
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$1,446,000	3,350
Extraordinary gains, net	$0	38
Net income	$1,446,000	3,349
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	4,198
Cash dividends	$884,000	2,506
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,446,000	3,339
1999-12-31 (YTD Data)		Rank
Total interest income	$6,596,000	4,614
Total interest expense	$3,534,000	4,015
Net interest income	$3,062,000	5,085
Provision for loan and lease losses	$246,000	3,082
Total noninterest income	$374,000	5,807
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$271,000	4,281
Trading account gains and fees	NA	NA
Additional Noninterest Income	$103,000	6,553
Total noninterest expense	$2,168,000	5,372
Salaries and employee benefits	$1,105,000	5,469
Premises and equipment expense	$296,000	5,501
Additional noninterest expense	$767,000	4,939
Pre-tax net operating income	$1,022,000	5,248
Securities gains (losses)	$16,000	1,502
Applicable income taxes	$0	8,765
Income before extraordinary items	$1,038,000	4,310
Extraordinary gains, net	$0	35
Net income	$1,038,000	4,313
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$189,000	2,487
Cash dividends	$774,000	2,724
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,022,000	4,332
1998-12-31 (YTD Data)		Rank
Total interest income	$5,897,000	5,067
Total interest expense	$3,165,000	4,520
Net interest income	$2,732,000	5,510
Provision for loan and lease losses	$120,000	4,610
Total noninterest income	$462,000	5,164
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$229,000	4,761
Trading account gains and fees	NA	NA
Additional Noninterest Income	$233,000	4,581
Total noninterest expense	$2,259,000	5,115
Salaries and employee benefits	$1,093,000	5,429
Premises and equipment expense	$272,000	5,673
Additional noninterest expense	$894,000	4,312
Pre-tax net operating income	$815,000	6,036
Securities gains (losses)	$38,000	1,949
Applicable income taxes	$0	9,340
Income before extraordinary items	$853,000	4,989
Extraordinary gains, net	$0	32
Net income	$853,000	4,989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	4,658
Cash dividends	$332,000	4,352
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$815,000	5,045
1997-12-31 (YTD Data)		Rank
Total interest income	$5,542,000	5,380
Total interest expense	$2,829,000	4,956
Net interest income	$2,713,000	5,738
Provision for loan and lease losses	$11,000	8,366
Total noninterest income	$285,000	6,818
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$167,000	5,876
Trading account gains and fees	NA	NA
Additional Noninterest Income	$118,000	6,329
Total noninterest expense	$1,652,000	6,411
Salaries and employee benefits	$885,000	6,370
Premises and equipment expense	$204,000	6,772
Additional noninterest expense	$563,000	6,027
Pre-tax net operating income	$1,335,000	4,877
Securities gains (losses)	$-18,000	10,323
Applicable income taxes	$63,000	9,033
Income before extraordinary items	$1,254,000	3,911
Extraordinary gains, net	$0	44
Net income	$1,254,000	3,910
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,011
Cash dividends	$752,000	2,654
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,271,100	3,804
1996-12-31 (YTD Data)		Rank
Total interest income	$5,394,000	5,611
Total interest expense	$2,953,000	4,847
Net interest income	$2,441,000	6,298
Provision for loan and lease losses	$45,000	6,812
Total noninterest income	$282,000	7,167
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$183,000	5,856
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	7,162
Total noninterest expense	$1,600,000	6,841
Salaries and employee benefits	$805,000	6,956
Premises and equipment expense	$207,000	6,906
Additional noninterest expense	$588,000	6,428
Pre-tax net operating income	$1,078,000	5,488
Securities gains (losses)	$2,000	3,501
Applicable income taxes	$322,000	5,592
Income before extraordinary items	$758,000	5,479
Extraordinary gains, net	$0	53
Net income	$758,000	5,480
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,621
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$756,600	5,440
1995-12-31 (YTD Data)		Rank
Total interest income	$4,890,000	6,088
Total interest expense	$2,731,000	5,176
Net interest income	$2,159,000	6,961
Provision for loan and lease losses	$45,000	6,418
Total noninterest income	$345,000	6,540
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$169,000	6,277
Trading account gains and fees	NA	NA
Additional Noninterest Income	$176,000	5,514
Total noninterest expense	$1,689,000	6,758
Salaries and employee benefits	$785,000	7,188
Premises and equipment expense	$210,000	7,008
Additional noninterest expense	$694,000	5,899
Pre-tax net operating income	$770,000	6,961
Securities gains (losses)	$40,000	1,447
Applicable income taxes	$270,000	6,366
Income before extraordinary items	$540,000	6,959
Extraordinary gains, net	$0	65
Net income	$540,000	6,958
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,801
Cash dividends	$400,000	3,839
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$513,200	7,120
1994-12-31 (YTD Data)		Rank
Total interest income	$3,934,000	6,787
Total interest expense	$1,712,000	6,301
Net interest income	$2,222,000	7,035
Provision for loan and lease losses	$45,000	6,361
Total noninterest income	$395,000	6,187
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$141,000	7,101
Trading account gains and fees	NA	NA
Additional Noninterest Income	$254,000	4,551
Total noninterest expense	$1,571,000	7,375
Salaries and employee benefits	$875,000	6,787
Premises and equipment expense	$204,000	7,342
Additional noninterest expense	$492,000	7,927
Pre-tax net operating income	$1,001,000	5,949
Securities gains (losses)	$6,000	2,522
Applicable income taxes	$329,000	5,526
Income before extraordinary items	$678,000	6,036
Extraordinary gains, net	$75,000	134
Net income	$753,000	5,611
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,214
Cash dividends	$370,000	3,941
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$673,980	6,141
1993-12-31 (YTD Data)		Rank
Total interest income	$3,642,000	7,348
Total interest expense	$1,557,000	7,029
Net interest income	$2,085,000	7,448
Provision for loan and lease losses	$10,000	9,731
Total noninterest income	$277,000	7,974
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$145,000	7,220
Trading account gains and fees	NA	NA
Additional Noninterest Income	$132,000	6,969
Total noninterest expense	$1,409,000	8,152
Salaries and employee benefits	$798,000	7,338
Premises and equipment expense	$149,000	8,943
Additional noninterest expense	$462,000	8,595
Pre-tax net operating income	$943,000	6,150
Securities gains (losses)	$-16,000	12,875
Applicable income taxes	$284,000	6,283
Income before extraordinary items	$643,000	6,473
Extraordinary gains, net	$0	3,149
Net income	$643,000	6,639
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$1,150,000	1,567
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$654,040	6,161
1992-12-31 (YTD Data)		Rank
Total interest income	$4,071,000	7,415
Total interest expense	$1,922,000	7,295
Net interest income	$2,149,000	7,373
Provision for loan and lease losses	$0	11,756
Total noninterest income	$325,000	7,403
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$237,000	5,330
Trading account gains and fees	NA	NA
Additional Noninterest Income	$88,000	8,520
Total noninterest expense	$1,318,000	8,605
Salaries and employee benefits	$761,000	7,529
Premises and equipment expense	$103,000	10,619
Additional noninterest expense	$454,000	8,930
Pre-tax net operating income	$1,156,000	5,074
Securities gains (losses)	$31,000	4,927
Applicable income taxes	$355,000	5,285
Income before extraordinary items	$832,000	5,209
Extraordinary gains, net	$0	1,422
Net income	$832,000	5,266
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$415,000	3,216
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$810,300	5,007

* 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.