Home > Cheaha Bank > Income and Expense

Cheaha Bank, Income and Expense

2021-03-31 (YTD Data)		Rank
Total interest income	$2,544,000	2,476
Total interest expense	$285,000	2,248
Net interest income	$2,259,000	2,491
Provision for loan and lease losses	$0	2,741
Total noninterest income	$312,000	2,761
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$81,000	2,045
Trading account gains and fees	NA	NA
Additional Noninterest Income	$231,000	2,701
Total noninterest expense	$1,803,000	2,421
Salaries and employee benefits	$897,000	2,670
Premises and equipment expense	$179,000	2,511
Additional noninterest expense	$727,000	1,980
Pre-tax net operating income	$768,000	2,716
Securities gains (losses)	$254,000	291
Applicable income taxes	$198,000	1,820
Income before extraordinary items	$824,000	2,475
Extraordinary gains, net	$0	3
Net income	$824,000	2,473
Minority interest net income	$0	55
Net income of bank and minority interests.	$824,000	2,475
Net charge-offs	$8,000	1,420
Cash dividends	$1,000,000	738
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$618,260	2,826
2020-12-31 (YTD Data)		Rank
Total interest income	$9,706,000	2,562
Total interest expense	$1,703,000	2,184
Net interest income	$8,003,000	2,616
Provision for loan and lease losses	$0	4,319
Total noninterest income	$1,378,000	2,525
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$312,000	2,187
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,066,000	2,420
Total noninterest expense	$5,423,000	2,853
Salaries and employee benefits	$3,001,000	2,948
Premises and equipment expense	$506,000	3,027
Additional noninterest expense	$1,916,000	2,606
Pre-tax net operating income	$3,958,000	2,080
Securities gains (losses)	$201,000	1,035
Applicable income taxes	$779,000	1,639
Income before extraordinary items	$3,380,000	2,136
Extraordinary gains, net	$0	4
Net income	$3,380,000	2,137
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,380,000	2,137
Net charge-offs	$86,000	2,109
Cash dividends	$1,500,000	1,772
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$3,217,190	2,153
2020-09-30 (YTD Data)		Rank
Total interest income	$7,286,000	2,573
Total interest expense	$1,327,000	2,234
Net interest income	$5,959,000	2,629
Provision for loan and lease losses	$0	4,239
Total noninterest income	$1,133,000	2,390
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$227,000	2,229
Trading account gains and fees	NA	NA
Additional Noninterest Income	$906,000	2,250
Total noninterest expense	$4,131,000	2,818
Salaries and employee benefits	$2,308,000	2,887
Premises and equipment expense	$389,000	2,999
Additional noninterest expense	$1,434,000	2,589
Pre-tax net operating income	$2,961,000	2,060
Securities gains (losses)	$152,000	1,024
Applicable income taxes	$651,000	1,523
Income before extraordinary items	$2,462,000	2,171
Extraordinary gains, net	$0	4
Net income	$2,462,000	2,171
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,462,000	2,171
Net charge-offs	$88,000	1,746
Cash dividends	$1,500,000	1,324
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,341,920	2,172
2020-06-30 (YTD Data)		Rank
Total interest income	$4,910,000	2,583
Total interest expense	$916,000	2,274
Net interest income	$3,994,000	2,643
Provision for loan and lease losses	$0	4,134
Total noninterest income	$891,000	2,159
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$153,000	2,242
Trading account gains and fees	NA	NA
Additional Noninterest Income	$738,000	1,984
Total noninterest expense	$2,757,000	2,826
Salaries and employee benefits	$1,541,000	2,899
Premises and equipment expense	$273,000	2,919
Additional noninterest expense	$943,000	2,614
Pre-tax net operating income	$2,128,000	1,915
Securities gains (losses)	$0	2,249
Applicable income taxes	$445,000	1,437
Income before extraordinary items	$1,683,000	2,072
Extraordinary gains, net	$0	4
Net income	$1,683,000	2,072
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,683,000	2,072
Net charge-offs	$40,000	1,845
Cash dividends	$1,500,000	984
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,683,000	2,031
2020-03-31 (YTD Data)		Rank
Total interest income	$2,480,000	2,568
Total interest expense	$474,000	2,365
Net interest income	$2,006,000	2,594
Provision for loan and lease losses	$0	3,711
Total noninterest income	$252,000	2,722
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$94,000	2,224
Trading account gains and fees	NA	NA
Additional Noninterest Income	$158,000	2,716
Total noninterest expense	$1,432,000	2,795
Salaries and employee benefits	$786,000	2,887
Premises and equipment expense	$159,000	2,681
Additional noninterest expense	$487,000	2,589
Pre-tax net operating income	$826,000	2,116
Securities gains (losses)	$0	1,705
Applicable income taxes	$173,000	1,512
Income before extraordinary items	$653,000	2,279
Extraordinary gains, net	$0	4
Net income	$653,000	2,278
Minority interest net income	$0	56
Net income of bank and minority interests.	$653,000	2,279
Net charge-offs	$15,000	1,715
Cash dividends	$1,500,000	602
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$653,000	2,250
2019-12-31 (YTD Data)		Rank
Total interest income	$9,969,000	2,591
Total interest expense	$1,857,000	2,467
Net interest income	$8,112,000	2,602
Provision for loan and lease losses	$0	3,973
Total noninterest income	$990,000	2,835
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$403,000	2,204
Trading account gains and fees	NA	NA
Additional Noninterest Income	$587,000	2,862
Total noninterest expense	$5,544,000	2,828
Salaries and employee benefits	$3,094,000	2,882
Premises and equipment expense	$509,000	3,064
Additional noninterest expense	$1,941,000	2,608
Pre-tax net operating income	$3,558,000	2,215
Securities gains (losses)	$108,000	897
Applicable income taxes	$669,000	1,746
Income before extraordinary items	$2,997,000	2,298
Extraordinary gains, net	$0	11
Net income	$2,997,000	2,300
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,997,000	2,300
Net charge-offs	$207,000	1,660
Cash dividends	$4,205,000	918
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,908,440	2,305
2019-09-30 (YTD Data)		Rank
Total interest income	$7,442,000	2,635
Total interest expense	$1,364,000	2,508
Net interest income	$6,078,000	2,627
Provision for loan and lease losses	$0	3,836
Total noninterest income	$715,000	2,900
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$298,000	2,235
Trading account gains and fees	NA	NA
Additional Noninterest Income	$417,000	2,913
Total noninterest expense	$4,157,000	2,837
Salaries and employee benefits	$2,319,000	2,885
Premises and equipment expense	$371,000	3,140
Additional noninterest expense	$1,467,000	2,595
Pre-tax net operating income	$2,636,000	2,285
Securities gains (losses)	$108,000	754
Applicable income taxes	$498,000	1,799
Income before extraordinary items	$2,246,000	2,350
Extraordinary gains, net	$0	11
Net income	$2,246,000	2,351
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,246,000	2,351
Net charge-offs	$207,000	1,270
Cash dividends	$4,005,000	710
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,157,440	2,388
2019-06-30 (YTD Data)		Rank
Total interest income	$4,940,000	2,644
Total interest expense	$870,000	2,548
Net interest income	$4,070,000	2,628
Provision for loan and lease losses	$0	3,685
Total noninterest income	$465,000	2,905
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$198,000	2,228
Trading account gains and fees	NA	NA
Additional Noninterest Income	$267,000	2,928
Total noninterest expense	$2,734,000	2,876
Salaries and employee benefits	$1,530,000	2,925
Premises and equipment expense	$246,000	3,150
Additional noninterest expense	$958,000	2,672
Pre-tax net operating income	$1,801,000	2,226
Securities gains (losses)	$61,000	684
Applicable income taxes	$300,000	1,860
Income before extraordinary items	$1,562,000	2,277
Extraordinary gains, net	$0	11
Net income	$1,562,000	2,277
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,562,000	2,277
Net charge-offs	$212,000	962
Cash dividends	$3,955,000	542
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,510,760	2,289
2019-03-31 (YTD Data)		Rank
Total interest income	$2,446,000	2,666
Total interest expense	$411,000	2,602
Net interest income	$2,035,000	2,642
Provision for loan and lease losses	$0	3,406
Total noninterest income	$234,000	2,855
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$100,000	2,212
Trading account gains and fees	NA	NA
Additional Noninterest Income	$134,000	2,889
Total noninterest expense	$1,402,000	2,858
Salaries and employee benefits	$761,000	2,955
Premises and equipment expense	$130,000	3,116
Additional noninterest expense	$511,000	2,538
Pre-tax net operating income	$867,000	2,248
Securities gains (losses)	$56,000	367
Applicable income taxes	$139,000	1,896
Income before extraordinary items	$784,000	2,219
Extraordinary gains, net	$0	5
Net income	$784,000	2,218
Minority interest net income	$0	52
Net income of bank and minority interests.	$784,000	2,218
Net charge-offs	$94,000	913
Cash dividends	$100,000	2,404
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$736,400	2,269
2018-12-31 (YTD Data)		Rank
Total interest income	$9,571,000	2,615
Total interest expense	$1,255,000	2,606
Net interest income	$8,316,000	2,582
Provision for loan and lease losses	$0	4,082
Total noninterest income	$1,027,000	2,831
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$423,000	2,226
Trading account gains and fees	NA	NA
Additional Noninterest Income	$604,000	2,837
Total noninterest expense	$5,473,000	2,883
Salaries and employee benefits	$3,093,000	2,898
Premises and equipment expense	$522,000	3,090
Additional noninterest expense	$1,858,000	2,719
Pre-tax net operating income	$3,870,000	2,154
Securities gains (losses)	$86,000	329
Applicable income taxes	$677,000	1,718
Income before extraordinary items	$3,279,000	2,190
Extraordinary gains, net	$0	6
Net income	$3,279,000	2,188
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,279,000	2,189
Net charge-offs	$61,000	2,499
Cash dividends	$1,400,000	1,829
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,207,620	2,226
2018-09-30 (YTD Data)		Rank
Total interest income	$7,128,000	2,618
Total interest expense	$884,000	2,623
Net interest income	$6,244,000	2,586
Provision for loan and lease losses	$0	3,948
Total noninterest income	$773,000	2,839
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$315,000	2,248
Trading account gains and fees	NA	NA
Additional Noninterest Income	$458,000	2,865
Total noninterest expense	$4,140,000	2,879
Salaries and employee benefits	$2,357,000	2,876
Premises and equipment expense	$390,000	3,113
Additional noninterest expense	$1,393,000	2,728
Pre-tax net operating income	$2,877,000	2,186
Securities gains (losses)	$74,000	351
Applicable income taxes	$498,000	1,783
Income before extraordinary items	$2,453,000	2,205
Extraordinary gains, net	$0	5
Net income	$2,453,000	2,203
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,453,000	2,204
Net charge-offs	$44,000	2,289
Cash dividends	$1,400,000	1,369
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,391,580	2,240
2018-06-30 (YTD Data)		Rank
Total interest income	$4,732,000	2,604
Total interest expense	$562,000	2,617
Net interest income	$4,170,000	2,583
Provision for loan and lease losses	$0	3,782
Total noninterest income	$523,000	2,825
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$209,000	2,243
Trading account gains and fees	NA	NA
Additional Noninterest Income	$314,000	2,837
Total noninterest expense	$2,740,000	2,915
Salaries and employee benefits	$1,582,000	2,895
Premises and equipment expense	$256,000	3,164
Additional noninterest expense	$902,000	2,793
Pre-tax net operating income	$1,953,000	2,130
Securities gains (losses)	$74,000	292
Applicable income taxes	$372,000	1,677
Income before extraordinary items	$1,655,000	2,158
Extraordinary gains, net	$0	6
Net income	$1,655,000	2,155
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,655,000	2,157
Net charge-offs	$34,000	1,971
Cash dividends	$1,325,000	1,065
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,594,320	2,208
2018-03-31 (YTD Data)		Rank
Total interest income	$2,355,000	2,605
Total interest expense	$263,000	2,659
Net interest income	$2,092,000	2,590
Provision for loan and lease losses	$0	3,508
Total noninterest income	$259,000	2,811
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$112,000	2,151
Trading account gains and fees	NA	NA
Additional Noninterest Income	$147,000	2,866
Total noninterest expense	$1,378,000	2,934
Salaries and employee benefits	$797,000	2,916
Premises and equipment expense	$131,000	3,148
Additional noninterest expense	$450,000	2,833
Pre-tax net operating income	$973,000	2,079
Securities gains (losses)	$0	735
Applicable income taxes	$173,000	1,709
Income before extraordinary items	$800,000	2,171
Extraordinary gains, net	$0	7
Net income	$800,000	2,170
Minority interest net income	$0	52
Net income of bank and minority interests.	$800,000	2,171
Net charge-offs	$14,000	1,828
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$800,000	2,155
2017-12-31 (YTD Data)		Rank
Total interest income	$9,517,000	2,549
Total interest expense	$897,000	2,745
Net interest income	$8,620,000	2,497
Provision for loan and lease losses	$30,000	3,771
Total noninterest income	$1,010,000	2,926
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$410,000	2,353
Trading account gains and fees	NA	NA
Additional Noninterest Income	$600,000	2,930
Total noninterest expense	$5,450,000	2,947
Salaries and employee benefits	$3,125,000	2,907
Premises and equipment expense	$525,000	3,165
Additional noninterest expense	$1,800,000	2,851
Pre-tax net operating income	$4,150,000	1,992
Securities gains (losses)	$331,000	285
Applicable income taxes	$1,421,000	1,583
Income before extraordinary items	$3,060,000	1,998
Extraordinary gains, net	$0	9
Net income	$3,060,000	1,996
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,060,000	1,998
Net charge-offs	$68,000	2,755
Cash dividends	$1,383,000	1,812
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,834,920	2,131
2017-09-30 (YTD Data)		Rank
Total interest income	$7,165,000	2,543
Total interest expense	$659,000	2,756
Net interest income	$6,506,000	2,497
Provision for loan and lease losses	$30,000	3,538
Total noninterest income	$765,000	2,935
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$301,000	2,395
Trading account gains and fees	NA	NA
Additional Noninterest Income	$464,000	2,907
Total noninterest expense	$4,078,000	2,973
Salaries and employee benefits	$2,346,000	2,927
Premises and equipment expense	$611,000	2,437
Additional noninterest expense	$1,121,000	3,243
Pre-tax net operating income	$3,163,000	1,983
Securities gains (losses)	$270,000	306
Applicable income taxes	$896,000	1,563
Income before extraordinary items	$2,537,000	2,010
Extraordinary gains, net	$0	9
Net income	$2,537,000	2,009
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,537,000	2,010
Net charge-offs	$69,000	2,211
Cash dividends	$1,350,000	1,408
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,337,200	2,118
2017-06-30 (YTD Data)		Rank
Total interest income	$4,758,000	2,539
Total interest expense	$431,000	2,732
Net interest income	$4,327,000	2,485
Provision for loan and lease losses	$30,000	3,129
Total noninterest income	$497,000	2,977
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$198,000	2,410
Trading account gains and fees	NA	NA
Additional Noninterest Income	$299,000	2,941
Total noninterest expense	$2,686,000	3,011
Salaries and employee benefits	$1,547,000	2,964
Premises and equipment expense	$272,000	3,137
Additional noninterest expense	$867,000	2,941
Pre-tax net operating income	$2,108,000	1,952
Securities gains (losses)	$41,000	721
Applicable income taxes	$556,000	1,599
Income before extraordinary items	$1,593,000	2,059
Extraordinary gains, net	$0	11
Net income	$1,593,000	2,059
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,593,000	2,059
Net charge-offs	$35,000	2,250
Cash dividends	$1,300,000	1,070
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,562,660	2,051
2017-03-31 (YTD Data)		Rank
Total interest income	$2,334,000	2,567
Total interest expense	$212,000	2,743
Net interest income	$2,122,000	2,519
Provision for loan and lease losses	$30,000	2,408
Total noninterest income	$243,000	3,007
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$99,000	2,395
Trading account gains and fees	NA	NA
Additional Noninterest Income	$144,000	2,982
Total noninterest expense	$1,316,000	3,073
Salaries and employee benefits	$767,000	3,021
Premises and equipment expense	$138,000	3,145
Additional noninterest expense	$411,000	3,063
Pre-tax net operating income	$1,019,000	1,937
Securities gains (losses)	$12,000	618
Applicable income taxes	$262,000	1,618
Income before extraordinary items	$769,000	2,042
Extraordinary gains, net	$0	8
Net income	$769,000	2,043
Minority interest net income	$0	55
Net income of bank and minority interests.	$769,000	2,043
Net charge-offs	$14,000	2,073
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$760,000	2,032
2016-12-31 (YTD Data)		Rank
Total interest income	$9,470,000	2,518
Total interest expense	$829,000	2,760
Net interest income	$8,641,000	2,465
Provision for loan and lease losses	$90,000	3,218
Total noninterest income	$940,000	3,139
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$337,000	2,758
Trading account gains and fees	$0	170
Additional Noninterest Income	$603,000	3,008
Total noninterest expense	$5,240,000	3,089
Salaries and employee benefits	$2,967,000	3,036
Premises and equipment expense	$501,000	3,371
Additional noninterest expense	$1,772,000	2,991
Pre-tax net operating income	$4,251,000	1,848
Securities gains (losses)	$138,000	1,108
Applicable income taxes	$1,116,000	1,542
Income before extraordinary items	$3,273,000	1,945
Extraordinary gains, net	$0	5
Net income	$3,273,000	1,944
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,273,000	1,944
Net charge-offs	$117,000	2,469
Cash dividends	$1,269,000	1,901
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,169,500	1,961
2016-09-30 (YTD Data)		Rank
Total interest income	$7,122,000	2,512
Total interest expense	$622,000	2,762
Net interest income	$6,500,000	2,461
Provision for loan and lease losses	$90,000	2,817
Total noninterest income	$701,000	3,141
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$239,000	2,859
Trading account gains and fees	$0	169
Additional Noninterest Income	$462,000	3,004
Total noninterest expense	$3,962,000	3,078
Salaries and employee benefits	$2,199,000	3,068
Premises and equipment expense	$383,000	3,361
Additional noninterest expense	$1,380,000	2,914
Pre-tax net operating income	$3,149,000	1,890
Securities gains (losses)	$131,000	1,076
Applicable income taxes	$898,000	1,518
Income before extraordinary items	$2,382,000	2,025
Extraordinary gains, net	$0	5
Net income	$2,382,000	2,024
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,382,000	2,025
Net charge-offs	$117,000	1,930
Cash dividends	$1,269,000	1,433
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,286,370	2,046
2016-06-30 (YTD Data)		Rank
Total interest income	$4,715,000	2,524
Total interest expense	$412,000	2,780
Net interest income	$4,303,000	2,479
Provision for loan and lease losses	$60,000	2,701
Total noninterest income	$461,000	3,174
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$152,000	2,933
Trading account gains and fees	$0	157
Additional Noninterest Income	$309,000	2,984
Total noninterest expense	$2,600,000	3,130
Salaries and employee benefits	$1,437,000	3,125
Premises and equipment expense	$249,000	3,413
Additional noninterest expense	$914,000	2,937
Pre-tax net operating income	$2,104,000	1,858
Securities gains (losses)	$105,000	929
Applicable income taxes	$610,000	1,479
Income before extraordinary items	$1,599,000	2,001
Extraordinary gains, net	$0	16
Net income	$1,599,000	2,001
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,599,000	2,001
Net charge-offs	$113,000	1,518
Cash dividends	$1,065,000	1,249
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,523,400	2,032
2016-03-31 (YTD Data)		Rank
Total interest income	$2,344,000	2,544
Total interest expense	$208,000	2,771
Net interest income	$2,136,000	2,497
Provision for loan and lease losses	$30,000	2,510
Total noninterest income	$223,000	3,192
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$78,000	2,880
Trading account gains and fees	$0	142
Additional Noninterest Income	$145,000	3,025
Total noninterest expense	$1,257,000	3,209
Salaries and employee benefits	$697,000	3,217
Premises and equipment expense	$144,000	3,150
Additional noninterest expense	$416,000	3,139
Pre-tax net operating income	$1,072,000	1,828
Securities gains (losses)	$97,000	545
Applicable income taxes	$332,000	1,390
Income before extraordinary items	$837,000	1,911
Extraordinary gains, net	$0	12
Net income	$837,000	1,912
Minority interest net income	$0	62
Net income of bank and minority interests.	$837,000	1,912
Net charge-offs	$29,000	1,766
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$767,160	2,014
2015-12-31 (YTD Data)		Rank
Total interest income	$9,199,000	2,549
Total interest expense	$819,000	2,775
Net interest income	$8,380,000	2,493
Provision for loan and lease losses	$110,000	2,968
Total noninterest income	$857,000	3,340
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$323,000	2,890
Trading account gains and fees	$0	159
Additional Noninterest Income	$534,000	3,195
Total noninterest expense	$4,850,000	3,295
Salaries and employee benefits	$2,686,000	3,250
Premises and equipment expense	$620,000	3,037
Additional noninterest expense	$1,544,000	3,346
Pre-tax net operating income	$4,277,000	1,778
Securities gains (losses)	$319,000	522
Applicable income taxes	$1,232,000	1,396
Income before extraordinary items	$3,364,000	1,854
Extraordinary gains, net	$0	23
Net income	$3,364,000	1,854
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,364,000	1,856
Net charge-offs	$43,000	3,361
Cash dividends	$1,292,000	1,813
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,131,130	1,934
2015-09-30 (YTD Data)		Rank
Total interest income	$6,840,000	2,585
Total interest expense	$608,000	2,833
Net interest income	$6,232,000	2,523
Provision for loan and lease losses	$80,000	2,903
Total noninterest income	$651,000	3,335
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$239,000	2,933
Trading account gains and fees	$0	153
Additional Noninterest Income	$412,000	3,176
Total noninterest expense	$3,597,000	3,332
Salaries and employee benefits	$2,016,000	3,268
Premises and equipment expense	$457,000	3,116
Additional noninterest expense	$1,124,000	3,419
Pre-tax net operating income	$3,206,000	1,811
Securities gains (losses)	$315,000	459
Applicable income taxes	$980,000	1,388
Income before extraordinary items	$2,541,000	1,868
Extraordinary gains, net	$0	21
Net income	$2,541,000	1,870
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,541,000	1,870
Net charge-offs	$37,000	2,992
Cash dividends	$1,187,000	1,438
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,314,200	1,978
2015-06-30 (YTD Data)		Rank
Total interest income	$4,523,000	2,608
Total interest expense	$401,000	2,873
Net interest income	$4,122,000	2,542
Provision for loan and lease losses	$50,000	2,882
Total noninterest income	$442,000	3,299
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$156,000	2,953
Trading account gains and fees	$0	157
Additional Noninterest Income	$286,000	3,121
Total noninterest expense	$2,376,000	3,386
Salaries and employee benefits	$1,339,000	3,292
Premises and equipment expense	$297,000	3,194
Additional noninterest expense	$740,000	3,456
Pre-tax net operating income	$2,138,000	1,802
Securities gains (losses)	$279,000	405
Applicable income taxes	$683,000	1,346
Income before extraordinary items	$1,734,000	1,824
Extraordinary gains, net	$0	22
Net income	$1,734,000	1,828
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,734,000	1,829
Net charge-offs	$33,000	2,635
Cash dividends	$1,127,000	1,117
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,533,120	1,964
2015-03-31 (YTD Data)		Rank
Total interest income	$2,256,000	2,604
Total interest expense	$197,000	2,920
Net interest income	$2,059,000	2,532
Provision for loan and lease losses	$20,000	2,822
Total noninterest income	$231,000	3,172
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$78,000	2,920
Trading account gains and fees	$0	152
Additional Noninterest Income	$153,000	2,990
Total noninterest expense	$1,181,000	3,406
Salaries and employee benefits	$665,000	3,347
Premises and equipment expense	$148,000	3,220
Additional noninterest expense	$368,000	3,466
Pre-tax net operating income	$1,089,000	1,726
Securities gains (losses)	$0	2,027
Applicable income taxes	$294,000	1,468
Income before extraordinary items	$795,000	1,943
Extraordinary gains, net	$0	13
Net income	$795,000	1,944
Minority interest net income	$0	64
Net income of bank and minority interests.	$795,000	1,945
Net charge-offs	$35,000	1,797
Cash dividends	$55,000	2,562
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$795,000	1,877
2014-12-31 (YTD Data)		Rank
Total interest income	$8,915,000	2,663
Total interest expense	$830,000	2,960
Net interest income	$8,085,000	2,592
Provision for loan and lease losses	$135,000	2,871
Total noninterest income	$886,000	3,303
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$357,000	2,912
Trading account gains and fees	$0	180
Additional Noninterest Income	$529,000	3,199
Total noninterest expense	$4,738,000	3,436
Salaries and employee benefits	$2,562,000	3,419
Premises and equipment expense	$640,000	3,087
Additional noninterest expense	$1,536,000	3,498
Pre-tax net operating income	$4,098,000	1,802
Securities gains (losses)	$161,000	930
Applicable income taxes	$1,080,000	1,475
Income before extraordinary items	$3,179,000	1,918
Extraordinary gains, net	$0	17
Net income	$3,179,000	1,917
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,179,000	1,916
Net charge-offs	$42,000	3,902
Cash dividends	$745,000	2,399
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,058,250	1,945
2014-09-30 (YTD Data)		Rank
Total interest income	$6,663,000	2,691
Total interest expense	$628,000	2,999
Net interest income	$6,035,000	2,620
Provision for loan and lease losses	$135,000	2,485
Total noninterest income	$655,000	3,369
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$275,000	2,890
Trading account gains and fees	$0	174
Additional Noninterest Income	$380,000	3,284
Total noninterest expense	$3,533,000	3,464
Salaries and employee benefits	$1,880,000	3,485
Premises and equipment expense	$483,000	3,107
Additional noninterest expense	$1,170,000	3,472
Pre-tax net operating income	$3,022,000	1,836
Securities gains (losses)	$161,000	742
Applicable income taxes	$846,000	1,457
Income before extraordinary items	$2,337,000	1,955
Extraordinary gains, net	$0	15
Net income	$2,337,000	1,956
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,337,000	1,954
Net charge-offs	$90,000	2,788
Cash dividends	$715,000	1,855
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,219,470	1,996
2014-06-30 (YTD Data)		Rank
Total interest income	$4,419,000	2,699
Total interest expense	$425,000	2,997
Net interest income	$3,994,000	2,630
Provision for loan and lease losses	$90,000	2,447
Total noninterest income	$424,000	3,406
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$182,000	2,881
Trading account gains and fees	$0	172
Additional Noninterest Income	$242,000	3,350
Total noninterest expense	$2,344,000	3,487
Salaries and employee benefits	$1,247,000	3,518
Premises and equipment expense	$316,000	3,174
Additional noninterest expense	$781,000	3,472
Pre-tax net operating income	$1,984,000	1,832
Securities gains (losses)	$65,000	1,021
Applicable income taxes	$553,000	1,445
Income before extraordinary items	$1,496,000	1,986
Extraordinary gains, net	$0	20
Net income	$1,496,000	1,990
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,496,000	1,989
Net charge-offs	$62,000	2,595
Cash dividends	$685,000	1,517
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,448,550	1,990
2014-03-31 (YTD Data)		Rank
Total interest income	$2,193,000	2,715
Total interest expense	$205,000	3,121
Net interest income	$1,988,000	2,641
Provision for loan and lease losses	$45,000	2,313
Total noninterest income	$198,000	3,478
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$91,000	2,853
Trading account gains and fees	$0	147
Additional Noninterest Income	$107,000	3,470
Total noninterest expense	$1,158,000	3,550
Salaries and employee benefits	$618,000	3,573
Premises and equipment expense	$159,000	3,216
Additional noninterest expense	$381,000	3,532
Pre-tax net operating income	$983,000	1,801
Securities gains (losses)	$22,000	928
Applicable income taxes	$267,000	1,445
Income before extraordinary items	$738,000	1,932
Extraordinary gains, net	$0	16
Net income	$738,000	1,935
Minority interest net income	$0	66
Net income of bank and minority interests.	$738,000	1,935
Net charge-offs	$31,000	2,192
Cash dividends	$30,000	2,684
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$721,940	1,916
2013-12-31 (YTD Data)		Rank
Total interest income	$8,656,000	2,765
Total interest expense	$1,107,000	2,730
Net interest income	$7,549,000	2,750
Provision for loan and lease losses	$280,000	2,539
Total noninterest income	$1,017,000	3,163
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$389,000	2,878
Trading account gains and fees	$0	184
Additional Noninterest Income	$628,000	3,043
Total noninterest expense	$4,888,000	3,458
Salaries and employee benefits	$2,460,000	3,583
Premises and equipment expense	$641,000	3,151
Additional noninterest expense	$1,787,000	3,228
Pre-tax net operating income	$3,398,000	1,960
Securities gains (losses)	$2,000	2,972
Applicable income taxes	$770,000	1,718
Income before extraordinary items	$2,630,000	2,115
Extraordinary gains, net	$0	29
Net income	$2,630,000	2,120
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,630,000	2,120
Net charge-offs	$196,000	3,036
Cash dividends	$1,585,000	1,423
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,628,460	2,059
2013-09-30 (YTD Data)		Rank
Total interest income	$6,431,000	2,808
Total interest expense	$852,000	2,767
Net interest income	$5,579,000	2,790
Provision for loan and lease losses	$205,000	2,544
Total noninterest income	$807,000	3,123
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$294,000	2,873
Trading account gains and fees	$0	180
Additional Noninterest Income	$513,000	2,974
Total noninterest expense	$3,649,000	3,483
Salaries and employee benefits	$1,820,000	3,643
Premises and equipment expense	$485,000	3,163
Additional noninterest expense	$1,344,000	3,226
Pre-tax net operating income	$2,532,000	2,031
Securities gains (losses)	$2,000	2,831
Applicable income taxes	$593,000	1,747
Income before extraordinary items	$1,941,000	2,188
Extraordinary gains, net	$0	25
Net income	$1,941,000	2,194
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,941,000	2,194
Net charge-offs	$137,000	2,969
Cash dividends	$1,555,000	1,070
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,939,460	2,123
2013-06-30 (YTD Data)		Rank
Total interest income	$4,233,000	2,829
Total interest expense	$574,000	2,800
Net interest income	$3,659,000	2,816
Provision for loan and lease losses	$150,000	2,434
Total noninterest income	$574,000	3,064
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$192,000	2,878
Trading account gains and fees	$0	157
Additional Noninterest Income	$382,000	2,864
Total noninterest expense	$2,423,000	3,517
Salaries and employee benefits	$1,200,000	3,675
Premises and equipment expense	$328,000	3,149
Additional noninterest expense	$895,000	3,214
Pre-tax net operating income	$1,660,000	2,019
Securities gains (losses)	$0	2,791
Applicable income taxes	$374,000	1,808
Income before extraordinary items	$1,286,000	2,181
Extraordinary gains, net	$0	22
Net income	$1,286,000	2,189
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,286,000	2,187
Net charge-offs	$34,000	3,652
Cash dividends	$1,555,000	769
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,286,000	2,091
2013-03-31 (YTD Data)		Rank
Total interest income	$2,087,000	2,881
Total interest expense	$291,000	2,845
Net interest income	$1,796,000	2,865
Provision for loan and lease losses	$75,000	2,354
Total noninterest income	$336,000	2,843
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$95,000	2,882
Trading account gains and fees	$0	148
Additional Noninterest Income	$241,000	2,517
Total noninterest expense	$1,215,000	3,521
Salaries and employee benefits	$607,000	3,682
Premises and equipment expense	$160,000	3,236
Additional noninterest expense	$448,000	3,229
Pre-tax net operating income	$842,000	1,961
Securities gains (losses)	$0	1,966
Applicable income taxes	$208,000	1,670
Income before extraordinary items	$634,000	2,160
Extraordinary gains, net	$0	10
Net income	$634,000	2,162
Minority interest net income	$0	76
Net income of bank and minority interests.	$634,000	2,162
Net charge-offs	$37,000	2,639
Cash dividends	$1,000,000	526
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$634,000	2,071
2012-12-31 (YTD Data)		Rank
Total interest income	$8,644,000	2,920
Total interest expense	$1,483,000	2,744
Net interest income	$7,161,000	2,930
Provision for loan and lease losses	$655,000	2,338
Total noninterest income	$1,098,000	3,101
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$399,000	2,936
Trading account gains and fees	$0	166
Additional Noninterest Income	$699,000	2,892
Total noninterest expense	$5,025,000	3,451
Salaries and employee benefits	$2,314,000	3,762
Premises and equipment expense	$617,000	3,312
Additional noninterest expense	$2,094,000	2,991
Pre-tax net operating income	$2,579,000	2,357
Securities gains (losses)	$559,000	850
Applicable income taxes	$697,000	1,844
Income before extraordinary items	$2,441,000	2,223
Extraordinary gains, net	$0	29
Net income	$2,441,000	2,222
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,441,000	2,224
Net charge-offs	$192,000	3,804
Cash dividends	$1,015,000	1,919
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,004,980	2,461
2012-09-30 (YTD Data)		Rank
Total interest income	$6,469,000	2,974
Total interest expense	$1,174,000	2,726
Net interest income	$5,295,000	3,006
Provision for loan and lease losses	$505,000	2,249
Total noninterest income	$808,000	3,147
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$302,000	2,956
Trading account gains and fees	$0	157
Additional Noninterest Income	$506,000	2,939
Total noninterest expense	$3,731,000	3,503
Salaries and employee benefits	$1,731,000	3,780
Premises and equipment expense	$540,000	2,992
Additional noninterest expense	$1,460,000	3,184
Pre-tax net operating income	$1,867,000	2,478
Securities gains (losses)	$559,000	689
Applicable income taxes	$460,000	2,028
Income before extraordinary items	$1,966,000	2,143
Extraordinary gains, net	$0	20
Net income	$1,966,000	2,144
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,966,000	2,145
Net charge-offs	$191,000	3,358
Cash dividends	$765,000	1,577
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,513,210	2,507
2012-06-30 (YTD Data)		Rank
Total interest income	$4,267,000	3,033
Total interest expense	$808,000	2,747
Net interest income	$3,459,000	3,065
Provision for loan and lease losses	$355,000	2,216
Total noninterest income	$534,000	3,116
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$204,000	2,903
Trading account gains and fees	$0	153
Additional Noninterest Income	$330,000	2,943
Total noninterest expense	$2,499,000	3,499
Salaries and employee benefits	$1,154,000	3,804
Premises and equipment expense	$356,000	3,021
Additional noninterest expense	$989,000	3,153
Pre-tax net operating income	$1,139,000	2,609
Securities gains (losses)	$85,000	1,705
Applicable income taxes	$220,000	2,358
Income before extraordinary items	$1,004,000	2,619
Extraordinary gains, net	$0	19
Net income	$1,004,000	2,619
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,004,000	2,619
Net charge-offs	$191,000	2,808
Cash dividends	$565,000	1,484
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$934,300	2,603
2012-03-31 (YTD Data)		Rank
Total interest income	$2,105,000	3,090
Total interest expense	$407,000	2,833
Net interest income	$1,698,000	3,133
Provision for loan and lease losses	$175,000	2,152
Total noninterest income	$262,000	3,164
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$101,000	2,916
Trading account gains and fees	$0	148
Additional Noninterest Income	$161,000	2,974
Total noninterest expense	$1,232,000	3,564
Salaries and employee benefits	$564,000	3,879
Premises and equipment expense	$178,000	3,056
Additional noninterest expense	$490,000	3,138
Pre-tax net operating income	$553,000	2,678
Securities gains (losses)	$0	2,210
Applicable income taxes	$83,000	2,616
Income before extraordinary items	$470,000	2,739
Extraordinary gains, net	$0	19
Net income	$470,000	2,741
Minority interest net income	$0	78
Net income of bank and minority interests.	$470,000	2,742
Net charge-offs	$146,000	2,119
Cash dividends	$40,000	2,491
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$470,000	2,604
2011-12-31 (YTD Data)		Rank
Total interest income	$8,579,000	3,138
Total interest expense	$1,862,000	2,925
Net interest income	$6,717,000	3,175
Provision for loan and lease losses	$1,210,000	2,142
Total noninterest income	$758,000	3,622
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$418,000	2,939
Trading account gains and fees	$0	146
Additional Noninterest Income	$340,000	3,669
Total noninterest expense	$4,588,000	3,754
Salaries and employee benefits	$2,219,000	3,883
Premises and equipment expense	$608,000	3,546
Additional noninterest expense	$1,761,000	3,461
Pre-tax net operating income	$1,677,000	2,837
Securities gains (losses)	$54,000	2,538
Applicable income taxes	$193,000	2,938
Income before extraordinary items	$1,538,000	2,726
Extraordinary gains, net	$0	29
Net income	$1,538,000	2,728
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,538,000	2,728
Net charge-offs	$1,576,000	1,809
Cash dividends	$1,075,000	1,543
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,489,940	2,693
2011-09-30 (YTD Data)		Rank
Total interest income	$6,421,000	3,175
Total interest expense	$1,430,000	2,968
Net interest income	$4,991,000	3,214
Provision for loan and lease losses	$1,050,000	1,902
Total noninterest income	$561,000	3,674
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$305,000	3,004
Trading account gains and fees	$0	145
Additional Noninterest Income	$256,000	3,700
Total noninterest expense	$3,407,000	3,793
Salaries and employee benefits	$1,665,000	3,892
Premises and equipment expense	$471,000	3,500
Additional noninterest expense	$1,271,000	3,550
Pre-tax net operating income	$1,095,000	3,150
Securities gains (losses)	$27,000	2,687
Applicable income taxes	$113,000	3,116
Income before extraordinary items	$1,009,000	3,042
Extraordinary gains, net	$0	21
Net income	$1,009,000	3,044
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,009,000	3,044
Net charge-offs	$1,475,000	1,507
Cash dividends	$450,000	1,910
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$984,700	2,998
2011-06-30 (YTD Data)		Rank
Total interest income	$4,277,000	3,213
Total interest expense	$979,000	2,992
Net interest income	$3,298,000	3,255
Provision for loan and lease losses	$660,000	1,956
Total noninterest income	$357,000	3,788
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$193,000	3,103
Trading account gains and fees	$0	153
Additional Noninterest Income	$164,000	3,811
Total noninterest expense	$2,297,000	3,808
Salaries and employee benefits	$1,110,000	3,930
Premises and equipment expense	$322,000	3,476
Additional noninterest expense	$865,000	3,550
Pre-tax net operating income	$698,000	3,187
Securities gains (losses)	$4,000	2,586
Applicable income taxes	$51,000	3,349
Income before extraordinary items	$651,000	3,039
Extraordinary gains, net	$0	15
Net income	$651,000	3,042
Minority interest net income	$0	89
Net income of bank and minority interests.	$651,000	3,042
Net charge-offs	$1,393,000	1,188
Cash dividends	$450,000	1,501
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$647,280	2,969
2011-03-31 (YTD Data)		Rank
Total interest income	$2,109,000	3,270
Total interest expense	$510,000	2,989
Net interest income	$1,599,000	3,310
Provision for loan and lease losses	$320,000	1,855
Total noninterest income	$201,000	3,581
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$94,000	3,108
Trading account gains and fees	$0	158
Additional Noninterest Income	$107,000	3,447
Total noninterest expense	$1,125,000	3,872
Salaries and employee benefits	$550,000	3,970
Premises and equipment expense	$173,000	3,329
Additional noninterest expense	$402,000	3,713
Pre-tax net operating income	$355,000	3,217
Securities gains (losses)	$0	1,772
Applicable income taxes	$35,000	3,081
Income before extraordinary items	$320,000	3,085
Extraordinary gains, net	$0	9
Net income	$320,000	3,083
Minority interest net income	$0	86
Net income of bank and minority interests.	$320,000	3,085
Net charge-offs	$122,000	2,548
Cash dividends	$200,000	1,383
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$320,000	3,035
2010-12-31 (YTD Data)		Rank
Total interest income	$8,759,000	3,294
Total interest expense	$2,839,000	2,718
Net interest income	$5,920,000	3,496
Provision for loan and lease losses	$880,000	3,252
Total noninterest income	$609,000	4,208
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$410,000	3,031
Trading account gains and fees	$0	175
Additional Noninterest Income	$199,000	4,597
Total noninterest expense	$4,423,000	3,942
Salaries and employee benefits	$2,069,000	4,132
Premises and equipment expense	$659,000	3,469
Additional noninterest expense	$1,695,000	3,682
Pre-tax net operating income	$1,226,000	3,050
Securities gains (losses)	$178,000	1,692
Applicable income taxes	$151,000	2,925
Income before extraordinary items	$1,253,000	2,831
Extraordinary gains, net	$0	29
Net income	$1,253,000	2,828
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,253,000	2,832
Net charge-offs	$521,000	3,598
Cash dividends	$365,000	2,729
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,094,580	2,952
2010-09-30 (YTD Data)		Rank
Total interest income	$6,528,000	3,385
Total interest expense	$2,242,000	2,712
Net interest income	$4,286,000	3,652
Provision for loan and lease losses	$665,000	3,112
Total noninterest income	$547,000	3,879
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$315,000	3,056
Trading account gains and fees	$0	165
Additional Noninterest Income	$232,000	3,948
Total noninterest expense	$3,253,000	3,997
Salaries and employee benefits	$1,539,000	4,196
Premises and equipment expense	$419,000	3,973
Additional noninterest expense	$1,295,000	3,611
Pre-tax net operating income	$915,000	3,251
Securities gains (losses)	$160,000	1,545
Applicable income taxes	$121,000	2,974
Income before extraordinary items	$954,000	2,975
Extraordinary gains, net	$0	23
Net income	$954,000	2,972
Minority interest net income	$0	110
Net income of bank and minority interests.	$954,000	2,975
Net charge-offs	$433,000	3,262
Cash dividends	$125,000	3,056
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$811,600	3,134
2010-06-30 (YTD Data)		Rank
Total interest income	$4,343,000	3,430
Total interest expense	$1,525,000	2,746
Net interest income	$2,818,000	3,690
Provision for loan and lease losses	$415,000	3,132
Total noninterest income	$518,000	3,145
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$214,000	3,023
Trading account gains and fees	$0	152
Additional Noninterest Income	$304,000	2,824
Total noninterest expense	$2,181,000	3,998
Salaries and employee benefits	$1,026,000	4,218
Premises and equipment expense	$268,000	4,100
Additional noninterest expense	$887,000	3,523
Pre-tax net operating income	$740,000	2,931
Securities gains (losses)	$0	3,184
Applicable income taxes	$93,000	2,851
Income before extraordinary items	$647,000	2,913
Extraordinary gains, net	$0	19
Net income	$647,000	2,906
Minority interest net income	$0	105
Net income of bank and minority interests.	$647,000	2,911
Net charge-offs	$363,000	2,830
Cash dividends	$50,000	3,167
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$647,000	2,807
2010-03-31 (YTD Data)		Rank
Total interest income	$2,156,000	3,511
Total interest expense	$765,000	2,865
Net interest income	$1,391,000	3,764
Provision for loan and lease losses	$195,000	3,039
Total noninterest income	$313,000	2,787
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$111,000	2,947
Trading account gains and fees	$0	175
Additional Noninterest Income	$202,000	2,381
Total noninterest expense	$1,111,000	3,975
Salaries and employee benefits	$510,000	4,293
Premises and equipment expense	$133,000	4,203
Additional noninterest expense	$468,000	3,368
Pre-tax net operating income	$398,000	2,843
Securities gains (losses)	$0	2,284
Applicable income taxes	$57,000	2,689
Income before extraordinary items	$341,000	2,880
Extraordinary gains, net	$0	16
Net income	$341,000	2,878
Minority interest net income	$0	91
Net income of bank and minority interests.	$341,000	2,880
Net charge-offs	$332,000	1,932
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$341,000	2,767
2009-12-31 (YTD Data)		Rank
Total interest income	$9,192,000	3,442
Total interest expense	$4,052,000	2,707
Net interest income	$5,140,000	3,872
Provision for loan and lease losses	$533,000	4,441
Total noninterest income	$625,000	4,287
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$458,000	3,060
Trading account gains and fees	$0	211
Additional Noninterest Income	$167,000	4,940
Total noninterest expense	$4,592,000	3,936
Salaries and employee benefits	$1,931,000	4,468
Premises and equipment expense	$542,000	4,166
Additional noninterest expense	$2,119,000	3,170
Pre-tax net operating income	$640,000	3,681
Securities gains (losses)	$474,000	914
Applicable income taxes	$157,000	2,574
Income before extraordinary items	$957,000	2,843
Extraordinary gains, net	$0	34
Net income	$957,000	2,841
Minority interest net income	$0	115
Net income of bank and minority interests.	$957,000	2,843
Net charge-offs	$365,000	4,227
Cash dividends	$295,000	3,256
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$549,360	3,653
2009-09-30 (YTD Data)		Rank
Total interest income	$6,946,000	3,473
Total interest expense	$3,188,000	2,707
Net interest income	$3,758,000	3,946
Provision for loan and lease losses	$248,000	4,877
Total noninterest income	$477,000	4,313
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$331,000	3,143
Trading account gains and fees	$0	212
Additional Noninterest Income	$146,000	4,828
Total noninterest expense	$3,616,000	3,798
Salaries and employee benefits	$1,437,000	4,507
Premises and equipment expense	$447,000	3,926
Additional noninterest expense	$1,732,000	2,914
Pre-tax net operating income	$371,000	4,282
Securities gains (losses)	$315,000	964
Applicable income taxes	$106,000	2,839
Income before extraordinary items	$580,000	3,446
Extraordinary gains, net	$0	27
Net income	$580,000	3,444
Minority interest net income	$0	118
Net income of bank and minority interests.	$580,000	3,446
Net charge-offs	$256,000	3,929
Cash dividends	$50,000	3,887
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$312,250	4,319
2009-06-30 (YTD Data)		Rank
Total interest income	$4,641,000	3,504
Total interest expense	$2,210,000	2,732
Net interest income	$2,431,000	4,007
Provision for loan and lease losses	$113,000	5,190
Total noninterest income	$321,000	4,299
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$214,000	3,180
Trading account gains and fees	$0	193
Additional Noninterest Income	$107,000	4,677
Total noninterest expense	$2,641,000	3,559
Salaries and employee benefits	$956,000	4,574
Premises and equipment expense	$295,000	3,989
Additional noninterest expense	$1,390,000	2,504
Pre-tax net operating income	$-2,000	5,808
Securities gains (losses)	$312,000	730
Applicable income taxes	$58,000	3,051
Income before extraordinary items	$252,000	4,237
Extraordinary gains, net	$0	21
Net income	$252,000	4,237
Minority interest net income	$0	112
Net income of bank and minority interests.	$252,000	4,237
Net charge-offs	$236,000	3,240
Cash dividends	$50,000	3,632
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-720	5,842
2009-03-31 (YTD Data)		Rank
Total interest income	$2,385,000	3,462
Total interest expense	$1,145,000	2,739
Net interest income	$1,240,000	3,963
Provision for loan and lease losses	$100,000	3,845
Total noninterest income	$52,000	6,327
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$98,000	3,301
Trading account gains and fees	$0	171
Additional Noninterest Income	$-46,000	8,078
Total noninterest expense	$923,000	4,540
Salaries and employee benefits	$473,000	4,656
Premises and equipment expense	$129,000	4,416
Additional noninterest expense	$321,000	4,191
Pre-tax net operating income	$269,000	3,510
Securities gains (losses)	$0	2,434
Applicable income taxes	$24,000	3,435
Income before extraordinary items	$245,000	3,480
Extraordinary gains, net	$0	15
Net income	$245,000	3,481
Minority interest net income	$0	102
Net income of bank and minority interests.	$245,000	3,481
Net charge-offs	$196,000	2,152
Cash dividends	$50,000	2,639
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$245,000	3,333
2008-12-31 (YTD Data)		Rank
Total interest income	$9,851,000	3,577
Total interest expense	$5,292,000	2,831
Net interest income	$4,559,000	4,190
Provision for loan and lease losses	$1,323,000	2,306
Total noninterest income	$395,000	5,304
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$427,000	3,332
Trading account gains and fees	$0	154
Additional Noninterest Income	$-32,000	8,072
Total noninterest expense	$3,450,000	4,687
Salaries and employee benefits	$1,761,000	4,862
Premises and equipment expense	$494,000	4,497
Additional noninterest expense	$1,195,000	4,300
Pre-tax net operating income	$181,000	5,802
Securities gains (losses)	$69,000	1,391
Applicable income taxes	$-339,000	7,359
Income before extraordinary items	$589,000	4,206
Extraordinary gains, net	$0	39
Net income	$589,000	4,206
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,340,000	1,667
Cash dividends	$471,000	3,462
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$520,000	4,549
2008-09-30 (YTD Data)		Rank
Total interest income	$7,398,000	3,631
Total interest expense	$4,048,000	2,879
Net interest income	$3,350,000	4,271
Provision for loan and lease losses	$-156,000	8,346
Total noninterest income	$220,000	5,924
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$328,000	3,312
Trading account gains and fees	$0	148
Additional Noninterest Income	$-108,000	8,270
Total noninterest expense	$2,492,000	4,765
Salaries and employee benefits	$1,301,000	4,922
Premises and equipment expense	$428,000	4,089
Additional noninterest expense	$763,000	4,692
Pre-tax net operating income	$1,234,000	3,263
Securities gains (losses)	$58,000	1,318
Applicable income taxes	$215,000	2,829
Income before extraordinary items	$1,077,000	2,963
Extraordinary gains, net	$0	31
Net income	$1,077,000	2,959
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$154,000	3,362
Cash dividends	$421,000	2,964
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,028,860	3,192
2008-06-30 (YTD Data)		Rank
Total interest income	$4,952,000	3,672
Total interest expense	$2,806,000	2,886
Net interest income	$2,146,000	4,391
Provision for loan and lease losses	$-101,000	8,399
Total noninterest income	$220,000	5,245
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$220,000	3,287
Trading account gains and fees	$0	149
Additional Noninterest Income	$0	8,191
Total noninterest expense	$1,651,000	4,826
Salaries and employee benefits	$863,000	4,970
Premises and equipment expense	$246,000	4,549
Additional noninterest expense	$542,000	4,492
Pre-tax net operating income	$816,000	3,387
Securities gains (losses)	$57,000	1,350
Applicable income taxes	$149,000	3,027
Income before extraordinary items	$724,000	3,258
Extraordinary gains, net	$0	21
Net income	$724,000	3,258
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	3,081
Cash dividends	$421,000	2,500
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$676,690	3,333
2008-03-31 (YTD Data)		Rank
Total interest income	$2,492,000	3,738
Total interest expense	$1,463,000	2,952
Net interest income	$1,029,000	4,529
Provision for loan and lease losses	$-65,000	8,439
Total noninterest income	$137,000	4,813
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$106,000	3,330
Trading account gains and fees	$0	158
Additional Noninterest Income	$31,000	5,863
Total noninterest expense	$813,000	4,883
Salaries and employee benefits	$425,000	5,064
Premises and equipment expense	$139,000	4,224
Additional noninterest expense	$249,000	4,702
Pre-tax net operating income	$418,000	3,449
Securities gains (losses)	$0	2,688
Applicable income taxes	$68,000	3,248
Income before extraordinary items	$350,000	3,482
Extraordinary gains, net	$0	15
Net income	$350,000	3,485
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	3,215
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$350,000	3,384
2007-12-31 (YTD Data)		Rank
Total interest income	$9,957,000	3,773
Total interest expense	$5,847,000	3,066
Net interest income	$4,110,000	4,545
Provision for loan and lease losses	$223,000	3,708
Total noninterest income	$756,000	4,123
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$326,000	3,925
Trading account gains and fees	$0	178
Additional Noninterest Income	$430,000	3,594
Total noninterest expense	$3,012,000	4,996
Salaries and employee benefits	$1,560,000	5,189
Premises and equipment expense	$454,000	4,641
Additional noninterest expense	$998,000	4,670
Pre-tax net operating income	$1,631,000	3,748
Securities gains (losses)	$12,000	1,280
Applicable income taxes	$318,000	3,316
Income before extraordinary items	$1,325,000	3,724
Extraordinary gains, net	$0	39
Net income	$1,325,000	3,724
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,000	3,328
Cash dividends	$505,000	3,671
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,315,280	3,732
2007-09-30 (YTD Data)		Rank
Total interest income	$7,381,000	3,812
Total interest expense	$4,339,000	3,103
Net interest income	$3,042,000	4,604
Provision for loan and lease losses	$223,000	2,845
Total noninterest income	$628,000	3,927
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$239,000	3,960
Trading account gains and fees	$0	184
Additional Noninterest Income	$389,000	3,253
Total noninterest expense	$2,219,000	5,019
Salaries and employee benefits	$1,143,000	5,247
Premises and equipment expense	$347,000	4,568
Additional noninterest expense	$729,000	4,682
Pre-tax net operating income	$1,228,000	3,898
Securities gains (losses)	$0	1,655
Applicable income taxes	$250,000	3,427
Income before extraordinary items	$978,000	3,940
Extraordinary gains, net	$0	33
Net income	$978,000	3,939
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,000	2,620
Cash dividends	$460,000	3,038
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$978,000	3,925
2007-06-30 (YTD Data)		Rank
Total interest income	$4,787,000	3,904
Total interest expense	$2,817,000	3,157
Net interest income	$1,970,000	4,708
Provision for loan and lease losses	$108,000	3,179
Total noninterest income	$230,000	5,282
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$153,000	4,045
Trading account gains and fees	$0	168
Additional Noninterest Income	$77,000	5,595
Total noninterest expense	$1,495,000	5,018
Salaries and employee benefits	$751,000	5,329
Premises and equipment expense	$226,000	4,661
Additional noninterest expense	$518,000	4,466
Pre-tax net operating income	$597,000	4,672
Securities gains (losses)	$0	1,444
Applicable income taxes	$94,000	4,191
Income before extraordinary items	$503,000	4,530
Extraordinary gains, net	$0	29
Net income	$503,000	4,531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	3,915
Cash dividends	$410,000	2,719
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$503,000	4,525
2007-03-31 (YTD Data)		Rank
Total interest income	$2,349,000	3,948
Total interest expense	$1,384,000	3,191
Net interest income	$965,000	4,776
Provision for loan and lease losses	$60,000	2,747
Total noninterest income	$126,000	5,013
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$70,000	4,169
Trading account gains and fees	$0	195
Additional Noninterest Income	$56,000	4,901
Total noninterest expense	$744,000	5,043
Salaries and employee benefits	$373,000	5,386
Premises and equipment expense	$112,000	4,711
Additional noninterest expense	$259,000	4,422
Pre-tax net operating income	$287,000	4,748
Securities gains (losses)	$0	1,187
Applicable income taxes	$43,000	4,278
Income before extraordinary items	$244,000	4,623
Extraordinary gains, net	$0	22
Net income	$244,000	4,625
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,465
Cash dividends	$44,000	3,652
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$244,000	4,607
2006-12-31 (YTD Data)		Rank
Total interest income	$8,677,000	3,980
Total interest expense	$4,527,000	3,277
Net interest income	$4,150,000	4,559
Provision for loan and lease losses	$418,000	2,200
Total noninterest income	$365,000	5,784
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$246,000	4,540
Trading account gains and fees	$0	130
Additional Noninterest Income	$119,000	6,032
Total noninterest expense	$2,499,000	5,481
Salaries and employee benefits	$1,410,000	5,401
Premises and equipment expense	$365,000	5,205
Additional noninterest expense	$724,000	5,549
Pre-tax net operating income	$1,598,000	4,158
Securities gains (losses)	$0	1,687
Applicable income taxes	$358,000	3,571
Income before extraordinary items	$1,240,000	4,206
Extraordinary gains, net	$0	51
Net income	$1,240,000	4,206
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$327,000	1,559
Cash dividends	$445,000	3,921
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,240,000	4,184
2006-09-30 (YTD Data)		Rank
Total interest income	$6,285,000	4,043
Total interest expense	$3,163,000	3,357
Net interest income	$3,122,000	4,588
Provision for loan and lease losses	$176,000	3,141
Total noninterest income	$289,000	5,707
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$179,000	4,652
Trading account gains and fees	$0	126
Additional Noninterest Income	$110,000	5,662
Total noninterest expense	$1,824,000	5,550
Salaries and employee benefits	$1,028,000	5,464
Premises and equipment expense	$304,000	4,894
Additional noninterest expense	$492,000	5,813
Pre-tax net operating income	$1,411,000	3,929
Securities gains (losses)	$0	1,388
Applicable income taxes	$360,000	3,328
Income before extraordinary items	$1,051,000	4,055
Extraordinary gains, net	$0	45
Net income	$1,051,000	4,058
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,424
Cash dividends	$395,000	3,298
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,051,000	4,043
2006-06-30 (YTD Data)		Rank
Total interest income	$4,014,000	4,113
Total interest expense	$1,947,000	3,457
Net interest income	$2,067,000	4,624
Provision for loan and lease losses	$116,000	3,139
Total noninterest income	$187,000	5,786
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$118,000	4,641
Trading account gains and fees	$0	126
Additional Noninterest Income	$69,000	5,814
Total noninterest expense	$1,140,000	5,773
Salaries and employee benefits	$651,000	5,651
Premises and equipment expense	$162,000	5,568
Additional noninterest expense	$327,000	5,818
Pre-tax net operating income	$998,000	3,801
Securities gains (losses)	$0	1,185
Applicable income taxes	$279,000	3,154
Income before extraordinary items	$719,000	4,004
Extraordinary gains, net	$0	39
Net income	$719,000	4,008
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	3,293
Cash dividends	$365,000	2,844
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$719,000	3,993
2006-03-31 (YTD Data)		Rank
Total interest income	$1,935,000	4,175
Total interest expense	$907,000	3,513
Net interest income	$1,028,000	4,632
Provision for loan and lease losses	$56,000	2,988
Total noninterest income	$88,000	5,867
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$55,000	4,737
Trading account gains and fees	$0	115
Additional Noninterest Income	$33,000	5,895
Total noninterest expense	$541,000	5,946
Salaries and employee benefits	$314,000	5,795
Premises and equipment expense	$74,000	5,831
Additional noninterest expense	$153,000	6,001
Pre-tax net operating income	$519,000	3,649
Securities gains (losses)	$0	955
Applicable income taxes	$150,000	3,038
Income before extraordinary items	$369,000	3,878
Extraordinary gains, net	$0	21
Net income	$369,000	3,877
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	7,562
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$369,000	3,860
2005-12-31 (YTD Data)		Rank
Total interest income	$6,504,000	4,383
Total interest expense	$2,699,000	3,615
Net interest income	$3,805,000	4,772
Provision for loan and lease losses	$232,000	3,334
Total noninterest income	$303,000	6,307
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$192,000	5,117
Trading account gains and fees	$0	138
Additional Noninterest Income	$111,000	6,239
Total noninterest expense	$2,019,000	6,089
Salaries and employee benefits	$1,118,000	6,003
Premises and equipment expense	$287,000	5,855
Additional noninterest expense	$614,000	5,989
Pre-tax net operating income	$1,857,000	3,864
Securities gains (losses)	$3,000	1,899
Applicable income taxes	$528,000	3,281
Income before extraordinary items	$1,332,000	4,085
Extraordinary gains, net	$0	46
Net income	$1,332,000	4,086
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	4,088
Cash dividends	$362,000	4,128
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,329,840	4,061
2005-09-30 (YTD Data)		Rank
Total interest income	$4,654,000	4,481
Total interest expense	$1,876,000	3,681
Net interest income	$2,778,000	4,866
Provision for loan and lease losses	$138,000	3,614
Total noninterest income	$219,000	6,402
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$140,000	5,219
Trading account gains and fees	$0	126
Additional Noninterest Income	$79,000	6,334
Total noninterest expense	$1,465,000	6,160
Salaries and employee benefits	$798,000	6,142
Premises and equipment expense	$212,000	5,899
Additional noninterest expense	$455,000	5,986
Pre-tax net operating income	$1,394,000	3,950
Securities gains (losses)	$3,000	1,906
Applicable income taxes	$411,000	3,275
Income before extraordinary items	$986,000	4,198
Extraordinary gains, net	$0	35
Net income	$986,000	4,198
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,785
Cash dividends	$262,000	3,711
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$983,870	4,162
2005-06-30 (YTD Data)		Rank
Total interest income	$2,927,000	4,583
Total interest expense	$1,163,000	3,705
Net interest income	$1,764,000	4,999
Provision for loan and lease losses	$90,000	3,491
Total noninterest income	$138,000	6,496
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$94,000	5,172
Trading account gains and fees	$0	116
Additional Noninterest Income	$44,000	6,606
Total noninterest expense	$927,000	6,315
Salaries and employee benefits	$501,000	6,339
Premises and equipment expense	$136,000	5,994
Additional noninterest expense	$290,000	6,100
Pre-tax net operating income	$885,000	4,037
Securities gains (losses)	$3,000	1,754
Applicable income taxes	$261,000	3,338
Income before extraordinary items	$627,000	4,304
Extraordinary gains, net	$0	30
Net income	$627,000	4,306
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	5,136
Cash dividends	$262,000	3,157
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$624,870	4,254
2005-03-31 (YTD Data)		Rank
Total interest income	$1,417,000	4,649
Total interest expense	$551,000	3,751
Net interest income	$866,000	5,081
Provision for loan and lease losses	$48,000	3,267
Total noninterest income	$77,000	6,252
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$49,000	5,045
Trading account gains and fees	$0	115
Additional Noninterest Income	$28,000	6,283
Total noninterest expense	$455,000	6,397
Salaries and employee benefits	$247,000	6,420
Premises and equipment expense	$67,000	6,074
Additional noninterest expense	$141,000	6,213
Pre-tax net operating income	$440,000	4,025
Securities gains (losses)	$0	1,685
Applicable income taxes	$130,000	3,352
Income before extraordinary items	$310,000	4,275
Extraordinary gains, net	$0	24
Net income	$310,000	4,277
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,232
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$310,000	4,230
2004-12-31 (YTD Data)		Rank
Total interest income	$5,045,000	4,823
Total interest expense	$1,939,000	3,740
Net interest income	$3,106,000	5,306
Provision for loan and lease losses	$182,000	3,865
Total noninterest income	$219,000	7,002
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$175,000	5,504
Trading account gains and fees	$0	138
Additional Noninterest Income	$44,000	7,564
Total noninterest expense	$1,789,000	6,379
Salaries and employee benefits	$941,000	6,472
Premises and equipment expense	$262,000	6,062
Additional noninterest expense	$586,000	6,064
Pre-tax net operating income	$1,354,000	4,504
Securities gains (losses)	$36,000	1,984
Applicable income taxes	$383,000	3,787
Income before extraordinary items	$1,007,000	4,680
Extraordinary gains, net	$0	34
Net income	$1,007,000	4,681
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	6,559
Cash dividends	$131,000	5,279
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$981,080	4,674
2004-09-30 (YTD Data)		Rank
Total interest income	$3,693,000	4,880
Total interest expense	$1,416,000	3,781
Net interest income	$2,277,000	5,364
Provision for loan and lease losses	$144,000	3,617
Total noninterest income	$170,000	6,971
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$134,000	5,497
Trading account gains and fees	$0	134
Additional Noninterest Income	$36,000	7,481
Total noninterest expense	$1,334,000	6,365
Salaries and employee benefits	$701,000	6,458
Premises and equipment expense	$258,000	5,245
Additional noninterest expense	$375,000	6,507
Pre-tax net operating income	$969,000	4,681
Securities gains (losses)	$25,000	2,158
Applicable income taxes	$288,000	3,858
Income before extraordinary items	$706,000	4,940
Extraordinary gains, net	$0	26
Net income	$706,000	4,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	5,550
Cash dividends	$131,000	4,411
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$688,250	4,910
2004-06-30 (YTD Data)		Rank
Total interest income	$2,389,000	4,998
Total interest expense	$914,000	3,877
Net interest income	$1,475,000	5,460
Provision for loan and lease losses	$96,000	3,565
Total noninterest income	$120,000	6,894
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$92,000	5,442
Trading account gains and fees	$0	130
Additional Noninterest Income	$28,000	7,329
Total noninterest expense	$875,000	6,455
Salaries and employee benefits	$462,000	6,548
Premises and equipment expense	$126,000	6,189
Additional noninterest expense	$287,000	6,113
Pre-tax net operating income	$624,000	4,729
Securities gains (losses)	$4,000	2,826
Applicable income taxes	$198,000	3,805
Income before extraordinary items	$430,000	5,125
Extraordinary gains, net	$0	21
Net income	$430,000	5,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,314
Cash dividends	$131,000	3,936
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$427,280	5,055
2004-03-31 (YTD Data)		Rank
Total interest income	$1,179,000	5,058
Total interest expense	$445,000	4,006
Net interest income	$734,000	5,469
Provision for loan and lease losses	$48,000	3,379
Total noninterest income	$56,000	7,006
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$42,000	5,572
Trading account gains and fees	$0	121
Additional Noninterest Income	$14,000	7,349
Total noninterest expense	$420,000	6,618
Salaries and employee benefits	$228,000	6,623
Premises and equipment expense	$61,000	6,270
Additional noninterest expense	$131,000	6,404
Pre-tax net operating income	$322,000	4,655
Securities gains (losses)	$4,000	2,410
Applicable income taxes	$106,000	3,688
Income before extraordinary items	$220,000	5,102
Extraordinary gains, net	$0	16
Net income	$220,000	5,101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,968
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$217,320	5,002
2003-12-31 (YTD Data)		Rank
Total interest income	$4,060,000	5,594
Total interest expense	$1,680,000	4,550
Net interest income	$2,380,000	6,054
Provision for loan and lease losses	$117,000	5,087
Total noninterest income	$162,000	7,691
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$139,000	6,007
Trading account gains and fees	$0	160
Additional Noninterest Income	$23,000	8,335
Total noninterest expense	$1,506,000	6,874
Salaries and employee benefits	$817,000	6,856
Premises and equipment expense	$327,000	5,401
Additional noninterest expense	$362,000	7,371
Pre-tax net operating income	$919,000	5,379
Securities gains (losses)	$106,000	1,841
Applicable income taxes	$369,000	3,938
Income before extraordinary items	$656,000	5,748
Extraordinary gains, net	$0	54
Net income	$656,000	5,750
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	4,136
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$588,160	5,817
2003-09-30 (YTD Data)		Rank
Total interest income	$2,957,000	5,760
Total interest expense	$1,273,000	4,637
Net interest income	$1,684,000	6,290
Provision for loan and lease losses	$117,000	4,410
Total noninterest income	$133,000	7,596
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$97,000	6,184
Trading account gains and fees	$0	153
Additional Noninterest Income	$36,000	7,634
Total noninterest expense	$1,094,000	6,963
Salaries and employee benefits	$588,000	6,973
Premises and equipment expense	$217,000	5,749
Additional noninterest expense	$289,000	7,236
Pre-tax net operating income	$606,000	5,849
Securities gains (losses)	$85,000	1,886
Applicable income taxes	$257,000	4,224
Income before extraordinary items	$434,000	6,170
Extraordinary gains, net	$0	40
Net income	$434,000	6,171
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	4,860
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$379,600	6,301
2003-06-30 (YTD Data)		Rank
Total interest income	$1,965,000	5,806
Total interest expense	$878,000	4,651
Net interest income	$1,087,000	6,394
Provision for loan and lease losses	$61,000	4,676
Total noninterest income	$88,000	7,612
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$63,000	6,212
Trading account gains and fees	$0	150
Additional Noninterest Income	$25,000	7,564
Total noninterest expense	$694,000	7,123
Salaries and employee benefits	$373,000	7,125
Premises and equipment expense	$162,000	5,400
Additional noninterest expense	$159,000	7,655
Pre-tax net operating income	$420,000	5,740
Securities gains (losses)	$55,000	1,944
Applicable income taxes	$190,000	4,074
Income before extraordinary items	$285,000	6,209
Extraordinary gains, net	$0	30
Net income	$285,000	6,208
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,111
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$249,800	6,323
2003-03-31 (YTD Data)		Rank
Total interest income	$972,000	5,863
Total interest expense	$435,000	4,772
Net interest income	$537,000	6,433
Provision for loan and lease losses	$50,000	3,651
Total noninterest income	$53,000	7,265
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$32,000	6,144
Trading account gains and fees	$0	134
Additional Noninterest Income	$21,000	6,840
Total noninterest expense	$329,000	7,294
Salaries and employee benefits	$170,000	7,401
Premises and equipment expense	$82,000	5,357
Additional noninterest expense	$77,000	7,754
Pre-tax net operating income	$211,000	5,718
Securities gains (losses)	$27,000	1,749
Applicable income taxes	$95,000	4,029
Income before extraordinary items	$143,000	6,125
Extraordinary gains, net	$0	21
Net income	$143,000	6,124
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,386
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$125,720	6,286
2002-12-31 (YTD Data)		Rank
Total interest income	$4,080,000	5,842
Total interest expense	$1,946,000	4,877
Net interest income	$2,134,000	6,421
Provision for loan and lease losses	$181,000	4,544
Total noninterest income	$157,000	7,756
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$123,000	6,207
Trading account gains and fees	$0	153
Additional Noninterest Income	$34,000	8,065
Total noninterest expense	$1,273,000	7,313
Salaries and employee benefits	$645,000	7,523
Premises and equipment expense	$316,000	5,403
Additional noninterest expense	$312,000	7,726
Pre-tax net operating income	$837,000	5,652
Securities gains (losses)	$21,000	3,108
Applicable income taxes	$311,000	4,379
Income before extraordinary items	$547,000	6,192
Extraordinary gains, net	$0	70
Net income	$547,000	6,192
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	4,432
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$533,560	6,100
2001-12-31 (YTD Data)		Rank
Total interest income	$2,984,000	7,273
Total interest expense	$1,739,000	6,524
Net interest income	$1,245,000	7,790
Provision for loan and lease losses	$237,000	3,789
Total noninterest income	$129,000	8,109
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$60,000	7,394
Trading account gains and fees	$0	177
Additional Noninterest Income	$69,000	7,145
Total noninterest expense	$1,045,000	7,838
Salaries and employee benefits	$558,000	7,872
Premises and equipment expense	$262,000	5,939
Additional noninterest expense	$225,000	8,459
Pre-tax net operating income	$92,000	8,366
Securities gains (losses)	$22,000	3,077
Applicable income taxes	$42,000	6,847
Income before extraordinary items	$72,000	8,485
Extraordinary gains, net	$0	105
Net income	$72,000	8,484
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	5,963
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$57,920	8,482
2000-12-31 (YTD Data)		Rank
Total interest income	$371,000	9,763
Total interest expense	$173,000	9,687
Net interest income	$198,000	9,773
Provision for loan and lease losses	$66,000	6,080
Total noninterest income	$31,000	9,572
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$7,000	8,473
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	8,801
Total noninterest expense	$464,000	9,463
Salaries and employee benefits	$188,000	9,656
Premises and equipment expense	$120,000	8,101
Additional noninterest expense	$156,000	9,189
Pre-tax net operating income	$-301,000	9,417
Securities gains (losses)	$0	1,956
Applicable income taxes	$-108,000	9,594
Income before extraordinary items	$-193,000	9,369
Extraordinary gains, net	$0	38
Net income	$-193,000	9,368
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$5,000,000	207
Net operating income	$-193,000	9,366

* 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.