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Citizens Bank, Income and Expense

2021-06-30 (YTD Data)		Rank
Total interest income	$5,840,000	2,283
Total interest expense	$1,099,000	1,359
Net interest income	$4,741,000	2,442
Provision for loan and lease losses	$200,000	1,183
Total noninterest income	$585,000	2,823
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$164,000	2,046
Trading account gains and fees	NA	NA
Additional Noninterest Income	$421,000	2,794
Total noninterest expense	$3,192,000	2,629
Salaries and employee benefits	$1,841,000	2,639
Premises and equipment expense	$316,000	2,667
Additional noninterest expense	$1,035,000	2,513
Pre-tax net operating income	$1,934,000	2,439
Securities gains (losses)	$22,000	1,150
Applicable income taxes	$509,000	1,646
Income before extraordinary items	$1,447,000	2,678
Extraordinary gains, net	$0	6
Net income	$1,447,000	2,677
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,447,000	2,678
Net charge-offs	$109,000	880
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,429,620	2,668
2021-03-31 (YTD Data)		Rank
Total interest income	$2,820,000	2,317
Total interest expense	$587,000	1,337
Net interest income	$2,233,000	2,505
Provision for loan and lease losses	$90,000	1,312
Total noninterest income	$277,000	2,878
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$80,000	2,064
Trading account gains and fees	NA	NA
Additional Noninterest Income	$197,000	2,856
Total noninterest expense	$1,577,000	2,637
Salaries and employee benefits	$928,000	2,618
Premises and equipment expense	$159,000	2,690
Additional noninterest expense	$490,000	2,573
Pre-tax net operating income	$843,000	2,596
Securities gains (losses)	$22,000	857
Applicable income taxes	$225,000	1,729
Income before extraordinary items	$640,000	2,824
Extraordinary gains, net	$0	3
Net income	$640,000	2,822
Minority interest net income	$0	55
Net income of bank and minority interests.	$640,000	2,824
Net charge-offs	$4,000	1,577
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$622,620	2,815
2020-12-31 (YTD Data)		Rank
Total interest income	$11,955,000	2,239
Total interest expense	$3,041,000	1,468
Net interest income	$8,914,000	2,443
Provision for loan and lease losses	$290,000	2,723
Total noninterest income	$1,201,000	2,679
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$376,000	1,966
Trading account gains and fees	NA	NA
Additional Noninterest Income	$825,000	2,666
Total noninterest expense	$6,421,000	2,596
Salaries and employee benefits	$3,669,000	2,616
Premises and equipment expense	$653,000	2,636
Additional noninterest expense	$2,099,000	2,460
Pre-tax net operating income	$3,404,000	2,274
Securities gains (losses)	$33,000	1,912
Applicable income taxes	$808,000	1,599
Income before extraordinary items	$2,629,000	2,475
Extraordinary gains, net	$0	4
Net income	$2,629,000	2,475
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,629,000	2,475
Net charge-offs	$51,000	2,381
Cash dividends	$1,972,000	1,556
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$2,602,930	2,437
2020-09-30 (YTD Data)		Rank
Total interest income	$9,018,000	2,249
Total interest expense	$2,355,000	1,509
Net interest income	$6,663,000	2,438
Provision for loan and lease losses	$200,000	2,745
Total noninterest income	$885,000	2,656
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$276,000	1,996
Trading account gains and fees	NA	NA
Additional Noninterest Income	$609,000	2,638
Total noninterest expense	$4,827,000	2,566
Salaries and employee benefits	$2,781,000	2,589
Premises and equipment expense	$486,000	2,635
Additional noninterest expense	$1,560,000	2,445
Pre-tax net operating income	$2,521,000	2,275
Securities gains (losses)	$33,000	1,722
Applicable income taxes	$675,000	1,490
Income before extraordinary items	$1,879,000	2,521
Extraordinary gains, net	$0	4
Net income	$1,879,000	2,521
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,879,000	2,521
Net charge-offs	$52,000	2,038
Cash dividends	$1,972,000	1,130
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,852,930	2,503
2020-06-30 (YTD Data)		Rank
Total interest income	$6,012,000	2,283
Total interest expense	$1,613,000	1,560
Net interest income	$4,399,000	2,473
Provision for loan and lease losses	$100,000	2,943
Total noninterest income	$566,000	2,674
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$184,000	2,010
Trading account gains and fees	NA	NA
Additional Noninterest Income	$382,000	2,657
Total noninterest expense	$3,255,000	2,548
Salaries and employee benefits	$1,876,000	2,575
Premises and equipment expense	$324,000	2,649
Additional noninterest expense	$1,055,000	2,413
Pre-tax net operating income	$1,610,000	2,300
Securities gains (losses)	$33,000	1,488
Applicable income taxes	$434,000	1,458
Income before extraordinary items	$1,209,000	2,542
Extraordinary gains, net	$0	4
Net income	$1,209,000	2,541
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,209,000	2,542
Net charge-offs	$-54,000	4,764
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,182,930	2,532
2020-03-31 (YTD Data)		Rank
Total interest income	$3,061,000	2,219
Total interest expense	$821,000	1,661
Net interest income	$2,240,000	2,413
Provision for loan and lease losses	$25,000	2,983
Total noninterest income	$300,000	2,519
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$109,000	2,035
Trading account gains and fees	NA	NA
Additional Noninterest Income	$191,000	2,486
Total noninterest expense	$1,636,000	2,577
Salaries and employee benefits	$944,000	2,577
Premises and equipment expense	$158,000	2,692
Additional noninterest expense	$534,000	2,422
Pre-tax net operating income	$879,000	2,023
Securities gains (losses)	$0	1,705
Applicable income taxes	$232,000	1,275
Income before extraordinary items	$647,000	2,291
Extraordinary gains, net	$0	4
Net income	$647,000	2,290
Minority interest net income	$0	56
Net income of bank and minority interests.	$647,000	2,291
Net charge-offs	$-5,000	4,210
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$647,000	2,265
2019-12-31 (YTD Data)		Rank
Total interest income	$12,321,000	2,240
Total interest expense	$2,811,000	1,891
Net interest income	$9,510,000	2,323
Provision for loan and lease losses	$240,000	2,172
Total noninterest income	$1,159,000	2,630
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$471,000	2,003
Trading account gains and fees	NA	NA
Additional Noninterest Income	$688,000	2,684
Total noninterest expense	$6,210,000	2,642
Salaries and employee benefits	$3,606,000	2,624
Premises and equipment expense	$667,000	2,617
Additional noninterest expense	$1,937,000	2,612
Pre-tax net operating income	$4,219,000	1,971
Securities gains (losses)	$0	2,379
Applicable income taxes	$1,076,000	1,365
Income before extraordinary items	$3,143,000	2,225
Extraordinary gains, net	$0	11
Net income	$3,143,000	2,227
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,143,000	2,227
Net charge-offs	$126,000	2,042
Cash dividends	$1,020,000	2,303
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,143,000	2,190
2019-09-30 (YTD Data)		Rank
Total interest income	$9,105,000	2,298
Total interest expense	$2,013,000	1,960
Net interest income	$7,092,000	2,370
Provision for loan and lease losses	$165,000	2,171
Total noninterest income	$884,000	2,610
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$352,000	2,010
Trading account gains and fees	NA	NA
Additional Noninterest Income	$532,000	2,660
Total noninterest expense	$4,631,000	2,664
Salaries and employee benefits	$2,680,000	2,650
Premises and equipment expense	$492,000	2,674
Additional noninterest expense	$1,459,000	2,604
Pre-tax net operating income	$3,180,000	2,033
Securities gains (losses)	$0	2,167
Applicable income taxes	$836,000	1,382
Income before extraordinary items	$2,344,000	2,286
Extraordinary gains, net	$0	11
Net income	$2,344,000	2,287
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,344,000	2,287
Net charge-offs	$44,000	2,299
Cash dividends	$1,020,000	1,784
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,344,000	2,250
2019-06-30 (YTD Data)		Rank
Total interest income	$5,923,000	2,338
Total interest expense	$1,249,000	2,045
Net interest income	$4,674,000	2,408
Provision for loan and lease losses	$165,000	1,721
Total noninterest income	$601,000	2,547
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$240,000	1,964
Trading account gains and fees	NA	NA
Additional Noninterest Income	$361,000	2,607
Total noninterest expense	$3,079,000	2,683
Salaries and employee benefits	$1,775,000	2,676
Premises and equipment expense	$328,000	2,670
Additional noninterest expense	$976,000	2,631
Pre-tax net operating income	$2,031,000	2,074
Securities gains (losses)	$0	1,702
Applicable income taxes	$534,000	1,399
Income before extraordinary items	$1,497,000	2,335
Extraordinary gains, net	$0	11
Net income	$1,497,000	2,335
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,497,000	2,335
Net charge-offs	$3,000	2,936
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,497,000	2,302
2019-03-31 (YTD Data)		Rank
Total interest income	$2,894,000	2,375
Total interest expense	$573,000	2,118
Net interest income	$2,321,000	2,421
Provision for loan and lease losses	$90,000	1,533
Total noninterest income	$261,000	2,693
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$119,000	1,971
Trading account gains and fees	NA	NA
Additional Noninterest Income	$142,000	2,812
Total noninterest expense	$1,546,000	2,694
Salaries and employee benefits	$888,000	2,693
Premises and equipment expense	$161,000	2,721
Additional noninterest expense	$497,000	2,599
Pre-tax net operating income	$946,000	2,126
Securities gains (losses)	$0	1,087
Applicable income taxes	$249,000	1,416
Income before extraordinary items	$697,000	2,377
Extraordinary gains, net	$0	5
Net income	$697,000	2,375
Minority interest net income	$0	52
Net income of bank and minority interests.	$697,000	2,376
Net charge-offs	$7,000	2,096
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$697,000	2,364
2018-12-31 (YTD Data)		Rank
Total interest income	$11,071,000	2,352
Total interest expense	$1,672,000	2,179
Net interest income	$9,399,000	2,360
Provision for loan and lease losses	$270,000	2,073
Total noninterest income	$1,182,000	2,630
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$491,000	2,026
Trading account gains and fees	NA	NA
Additional Noninterest Income	$691,000	2,667
Total noninterest expense	$6,016,000	2,728
Salaries and employee benefits	$3,481,000	2,693
Premises and equipment expense	$727,000	2,504
Additional noninterest expense	$1,808,000	2,773
Pre-tax net operating income	$4,295,000	2,013
Securities gains (losses)	$0	1,125
Applicable income taxes	$1,090,000	1,310
Income before extraordinary items	$3,205,000	2,232
Extraordinary gains, net	$0	6
Net income	$3,205,000	2,230
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,205,000	2,231
Net charge-offs	$123,000	1,999
Cash dividends	$884,000	2,371
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,205,000	2,227
2018-09-30 (YTD Data)		Rank
Total interest income	$8,174,000	2,369
Total interest expense	$1,176,000	2,196
Net interest income	$6,998,000	2,382
Provision for loan and lease losses	$250,000	1,745
Total noninterest income	$899,000	2,652
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$360,000	2,065
Trading account gains and fees	NA	NA
Additional Noninterest Income	$539,000	2,652
Total noninterest expense	$4,472,000	2,744
Salaries and employee benefits	$2,589,000	2,716
Premises and equipment expense	$592,000	2,406
Additional noninterest expense	$1,291,000	2,875
Pre-tax net operating income	$3,175,000	2,044
Securities gains (losses)	$0	1,118
Applicable income taxes	$836,000	1,327
Income before extraordinary items	$2,339,000	2,282
Extraordinary gains, net	$0	5
Net income	$2,339,000	2,281
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,339,000	2,281
Net charge-offs	$110,000	1,671
Cash dividends	$884,000	1,801
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,339,000	2,278
2018-06-30 (YTD Data)		Rank
Total interest income	$5,338,000	2,393
Total interest expense	$743,000	2,195
Net interest income	$4,595,000	2,407
Provision for loan and lease losses	$180,000	1,601
Total noninterest income	$579,000	2,682
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$236,000	2,062
Trading account gains and fees	NA	NA
Additional Noninterest Income	$343,000	2,730
Total noninterest expense	$2,907,000	2,806
Salaries and employee benefits	$1,734,000	2,729
Premises and equipment expense	$389,000	2,455
Additional noninterest expense	$784,000	3,092
Pre-tax net operating income	$2,087,000	2,040
Securities gains (losses)	$0	961
Applicable income taxes	$550,000	1,331
Income before extraordinary items	$1,537,000	2,267
Extraordinary gains, net	$0	6
Net income	$1,537,000	2,265
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,537,000	2,266
Net charge-offs	$46,000	1,817
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,537,000	2,268
2018-03-31 (YTD Data)		Rank
Total interest income	$2,637,000	2,416
Total interest expense	$345,000	2,234
Net interest income	$2,292,000	2,408
Provision for loan and lease losses	$60,000	1,880
Total noninterest income	$275,000	2,736
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$113,000	2,135
Trading account gains and fees	NA	NA
Additional Noninterest Income	$162,000	2,740
Total noninterest expense	$1,499,000	2,788
Salaries and employee benefits	$879,000	2,713
Premises and equipment expense	$200,000	2,449
Additional noninterest expense	$420,000	2,969
Pre-tax net operating income	$1,008,000	2,036
Securities gains (losses)	$0	735
Applicable income taxes	$266,000	1,321
Income before extraordinary items	$742,000	2,284
Extraordinary gains, net	$0	7
Net income	$742,000	2,282
Minority interest net income	$0	52
Net income of bank and minority interests.	$742,000	2,284
Net charge-offs	$39,000	1,319
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$742,000	2,273
2017-12-31 (YTD Data)		Rank
Total interest income	$10,189,000	2,413
Total interest expense	$1,371,000	2,054
Net interest income	$8,818,000	2,448
Provision for loan and lease losses	$154,000	2,631
Total noninterest income	$1,062,000	2,861
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$438,000	2,250
Trading account gains and fees	NA	NA
Additional Noninterest Income	$624,000	2,875
Total noninterest expense	$6,068,000	2,737
Salaries and employee benefits	$3,373,000	2,779
Premises and equipment expense	$744,000	2,560
Additional noninterest expense	$1,951,000	2,700
Pre-tax net operating income	$3,658,000	2,165
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,476,000	1,556
Income before extraordinary items	$2,182,000	2,541
Extraordinary gains, net	$0	9
Net income	$2,182,000	2,541
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,182,000	2,541
Net charge-offs	$-14,000	4,879
Cash dividends	$748,000	2,551
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,182,000	2,524
2017-09-30 (YTD Data)		Rank
Total interest income	$7,550,000	2,439
Total interest expense	$1,026,000	2,045
Net interest income	$6,524,000	2,490
Provision for loan and lease losses	$99,000	2,684
Total noninterest income	$802,000	2,872
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$319,000	2,302
Trading account gains and fees	NA	NA
Additional Noninterest Income	$483,000	2,853
Total noninterest expense	$4,402,000	2,826
Salaries and employee benefits	$2,498,000	2,816
Premises and equipment expense	$478,000	2,842
Additional noninterest expense	$1,426,000	2,753
Pre-tax net operating income	$2,825,000	2,171
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,081,000	1,403
Income before extraordinary items	$1,744,000	2,617
Extraordinary gains, net	$0	9
Net income	$1,744,000	2,617
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,744,000	2,617
Net charge-offs	$-20,000	4,922
Cash dividends	$748,000	2,016
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,744,000	2,600
2017-06-30 (YTD Data)		Rank
Total interest income	$4,979,000	2,442
Total interest expense	$684,000	1,998
Net interest income	$4,295,000	2,499
Provision for loan and lease losses	$57,000	2,759
Total noninterest income	$546,000	2,847
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$205,000	2,355
Trading account gains and fees	NA	NA
Additional Noninterest Income	$341,000	2,787
Total noninterest expense	$2,970,000	2,820
Salaries and employee benefits	$1,660,000	2,843
Premises and equipment expense	$313,000	2,888
Additional noninterest expense	$997,000	2,678
Pre-tax net operating income	$1,814,000	2,179
Securities gains (losses)	$0	1,906
Applicable income taxes	$694,000	1,410
Income before extraordinary items	$1,120,000	2,633
Extraordinary gains, net	$0	11
Net income	$1,120,000	2,632
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,120,000	2,633
Net charge-offs	$-29,000	5,126
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,120,000	2,617
2017-03-31 (YTD Data)		Rank
Total interest income	$2,447,000	2,474
Total interest expense	$339,000	1,989
Net interest income	$2,108,000	2,534
Provision for loan and lease losses	$40,000	2,253
Total noninterest income	$279,000	2,801
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$104,000	2,335
Trading account gains and fees	NA	NA
Additional Noninterest Income	$175,000	2,739
Total noninterest expense	$1,495,000	2,828
Salaries and employee benefits	$820,000	2,892
Premises and equipment expense	$156,000	2,921
Additional noninterest expense	$519,000	2,599
Pre-tax net operating income	$852,000	2,185
Securities gains (losses)	$0	1,153
Applicable income taxes	$326,000	1,427
Income before extraordinary items	$526,000	2,672
Extraordinary gains, net	$0	8
Net income	$526,000	2,672
Minority interest net income	$0	55
Net income of bank and minority interests.	$526,000	2,672
Net charge-offs	$-19,000	5,237
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$526,000	2,657
2016-12-31 (YTD Data)		Rank
Total interest income	$9,604,000	2,486
Total interest expense	$1,250,000	2,067
Net interest income	$8,354,000	2,526
Provision for loan and lease losses	$215,000	2,359
Total noninterest income	$948,000	3,122
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$409,000	2,426
Trading account gains and fees	$0	170
Additional Noninterest Income	$539,000	3,157
Total noninterest expense	$5,354,000	3,052
Salaries and employee benefits	$3,075,000	2,981
Premises and equipment expense	$454,000	3,546
Additional noninterest expense	$1,825,000	2,931
Pre-tax net operating income	$3,733,000	2,026
Securities gains (losses)	$0	3,212
Applicable income taxes	$1,386,000	1,337
Income before extraordinary items	$2,347,000	2,515
Extraordinary gains, net	$0	5
Net income	$2,347,000	2,514
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,347,000	2,515
Net charge-offs	$64,000	2,962
Cash dividends	$340,000	3,345
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,347,000	2,461
2016-09-30 (YTD Data)		Rank
Total interest income	$7,179,000	2,490
Total interest expense	$906,000	2,118
Net interest income	$6,273,000	2,540
Provision for loan and lease losses	$170,000	2,239
Total noninterest income	$732,000	3,078
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$304,000	2,446
Trading account gains and fees	$0	169
Additional Noninterest Income	$428,000	3,081
Total noninterest expense	$3,981,000	3,063
Salaries and employee benefits	$2,309,000	2,971
Premises and equipment expense	$333,000	3,607
Additional noninterest expense	$1,339,000	2,980
Pre-tax net operating income	$2,854,000	2,030
Securities gains (losses)	$0	3,160
Applicable income taxes	$1,092,000	1,328
Income before extraordinary items	$1,762,000	2,542
Extraordinary gains, net	$0	5
Net income	$1,762,000	2,543
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,762,000	2,543
Net charge-offs	$40,000	2,735
Cash dividends	$340,000	2,779
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,762,000	2,489
2016-06-30 (YTD Data)		Rank
Total interest income	$4,745,000	2,513
Total interest expense	$583,000	2,189
Net interest income	$4,162,000	2,551
Provision for loan and lease losses	$130,000	2,045
Total noninterest income	$466,000	3,158
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$201,000	2,437
Trading account gains and fees	$0	157
Additional Noninterest Income	$265,000	3,197
Total noninterest expense	$2,661,000	3,079
Salaries and employee benefits	$1,553,000	2,980
Premises and equipment expense	$222,000	3,640
Additional noninterest expense	$886,000	3,003
Pre-tax net operating income	$1,837,000	2,075
Securities gains (losses)	$0	2,835
Applicable income taxes	$703,000	1,351
Income before extraordinary items	$1,134,000	2,579
Extraordinary gains, net	$0	16
Net income	$1,134,000	2,578
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,134,000	2,578
Net charge-offs	$55,000	2,078
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,134,000	2,516
2016-03-31 (YTD Data)		Rank
Total interest income	$2,402,000	2,486
Total interest expense	$280,000	2,253
Net interest income	$2,122,000	2,511
Provision for loan and lease losses	$75,000	1,741
Total noninterest income	$212,000	3,268
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$101,000	2,412
Trading account gains and fees	$0	142
Additional Noninterest Income	$111,000	3,406
Total noninterest expense	$1,345,000	3,083
Salaries and employee benefits	$797,000	2,955
Premises and equipment expense	$103,000	3,806
Additional noninterest expense	$445,000	2,997
Pre-tax net operating income	$914,000	2,050
Securities gains (losses)	$0	2,077
Applicable income taxes	$350,000	1,349
Income before extraordinary items	$564,000	2,542
Extraordinary gains, net	$0	12
Net income	$564,000	2,542
Minority interest net income	$0	62
Net income of bank and minority interests.	$564,000	2,542
Net charge-offs	$30,000	1,747
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$564,000	2,498
2015-12-31 (YTD Data)		Rank
Total interest income	$9,042,000	2,585
Total interest expense	$1,035,000	2,360
Net interest income	$8,007,000	2,594
Provision for loan and lease losses	$300,000	1,890
Total noninterest income	$730,000	3,575
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$390,000	2,558
Trading account gains and fees	$0	159
Additional Noninterest Income	$340,000	3,811
Total noninterest expense	$5,014,000	3,207
Salaries and employee benefits	$2,866,000	3,118
Premises and equipment expense	$476,000	3,574
Additional noninterest expense	$1,672,000	3,165
Pre-tax net operating income	$3,423,000	2,104
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,285,000	1,360
Income before extraordinary items	$2,138,000	2,601
Extraordinary gains, net	$0	23
Net income	$2,138,000	2,602
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,138,000	2,603
Net charge-offs	$100,000	2,658
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,138,000	2,554
2015-09-30 (YTD Data)		Rank
Total interest income	$6,729,000	2,621
Total interest expense	$763,000	2,416
Net interest income	$5,966,000	2,624
Provision for loan and lease losses	$215,000	1,892
Total noninterest income	$526,000	3,646
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$283,000	2,636
Trading account gains and fees	$0	153
Additional Noninterest Income	$243,000	3,905
Total noninterest expense	$3,693,000	3,266
Salaries and employee benefits	$2,119,000	3,166
Premises and equipment expense	$353,000	3,648
Additional noninterest expense	$1,221,000	3,244
Pre-tax net operating income	$2,584,000	2,143
Securities gains (losses)	$0	3,031
Applicable income taxes	$989,000	1,373
Income before extraordinary items	$1,595,000	2,662
Extraordinary gains, net	$0	21
Net income	$1,595,000	2,662
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,595,000	2,663
Net charge-offs	$74,000	2,434
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,595,000	2,613
2015-06-30 (YTD Data)		Rank
Total interest income	$4,415,000	2,655
Total interest expense	$502,000	2,455
Net interest income	$3,913,000	2,658
Provision for loan and lease losses	$100,000	2,201
Total noninterest income	$337,000	3,728
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$177,000	2,729
Trading account gains and fees	$0	157
Additional Noninterest Income	$160,000	3,944
Total noninterest expense	$2,420,000	3,339
Salaries and employee benefits	$1,392,000	3,218
Premises and equipment expense	$229,000	3,734
Additional noninterest expense	$799,000	3,310
Pre-tax net operating income	$1,730,000	2,118
Securities gains (losses)	$0	2,636
Applicable income taxes	$662,000	1,370
Income before extraordinary items	$1,068,000	2,636
Extraordinary gains, net	$0	22
Net income	$1,068,000	2,638
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,068,000	2,638
Net charge-offs	$0	3,893
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,068,000	2,576
2015-03-31 (YTD Data)		Rank
Total interest income	$2,161,000	2,709
Total interest expense	$249,000	2,487
Net interest income	$1,912,000	2,701
Provision for loan and lease losses	$30,000	2,461
Total noninterest income	$160,000	3,797
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$85,000	2,784
Trading account gains and fees	$0	152
Additional Noninterest Income	$75,000	4,002
Total noninterest expense	$1,223,000	3,329
Salaries and employee benefits	$707,000	3,219
Premises and equipment expense	$112,000	3,808
Additional noninterest expense	$404,000	3,281
Pre-tax net operating income	$819,000	2,173
Securities gains (losses)	$0	2,027
Applicable income taxes	$313,000	1,402
Income before extraordinary items	$506,000	2,706
Extraordinary gains, net	$0	13
Net income	$506,000	2,709
Minority interest net income	$0	64
Net income of bank and minority interests.	$506,000	2,709
Net charge-offs	$-2,000	4,668
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$506,000	2,623
2014-12-31 (YTD Data)		Rank
Total interest income	$8,451,000	2,770
Total interest expense	$943,000	2,681
Net interest income	$7,508,000	2,764
Provision for loan and lease losses	$380,000	1,733
Total noninterest income	$529,000	4,199
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$382,000	2,770
Trading account gains and fees	$0	180
Additional Noninterest Income	$147,000	4,875
Total noninterest expense	$4,673,000	3,469
Salaries and employee benefits	$2,636,000	3,375
Premises and equipment expense	$482,000	3,718
Additional noninterest expense	$1,555,000	3,474
Pre-tax net operating income	$2,984,000	2,286
Securities gains (losses)	$54,000	1,680
Applicable income taxes	$1,157,000	1,401
Income before extraordinary items	$1,881,000	2,829
Extraordinary gains, net	$0	17
Net income	$1,881,000	2,827
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,881,000	2,829
Net charge-offs	$148,000	2,794
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,846,440	2,811
2014-09-30 (YTD Data)		Rank
Total interest income	$6,266,000	2,813
Total interest expense	$695,000	2,772
Net interest income	$5,571,000	2,798
Provision for loan and lease losses	$290,000	1,676
Total noninterest income	$407,000	4,194
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$292,000	2,760
Trading account gains and fees	$0	174
Additional Noninterest Income	$115,000	4,885
Total noninterest expense	$3,459,000	3,509
Salaries and employee benefits	$1,962,000	3,392
Premises and equipment expense	$368,000	3,732
Additional noninterest expense	$1,129,000	3,563
Pre-tax net operating income	$2,229,000	2,333
Securities gains (losses)	$36,000	1,670
Applicable income taxes	$868,000	1,435
Income before extraordinary items	$1,397,000	2,870
Extraordinary gains, net	$0	15
Net income	$1,397,000	2,871
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,397,000	2,871
Net charge-offs	$130,000	2,432
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,373,960	2,847
2014-06-30 (YTD Data)		Rank
Total interest income	$4,083,000	2,882
Total interest expense	$461,000	2,805
Net interest income	$3,622,000	2,846
Provision for loan and lease losses	$200,000	1,637
Total noninterest income	$258,000	4,279
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$200,000	2,705
Trading account gains and fees	$0	172
Additional Noninterest Income	$58,000	5,179
Total noninterest expense	$2,273,000	3,552
Salaries and employee benefits	$1,304,000	3,419
Premises and equipment expense	$242,000	3,780
Additional noninterest expense	$727,000	3,647
Pre-tax net operating income	$1,407,000	2,369
Securities gains (losses)	$26,000	1,520
Applicable income taxes	$552,000	1,450
Income before extraordinary items	$881,000	2,892
Extraordinary gains, net	$0	20
Net income	$881,000	2,898
Minority interest net income	$0	80
Net income of bank and minority interests.	$881,000	2,898
Net charge-offs	$57,000	2,679
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$864,360	2,885
2014-03-31 (YTD Data)		Rank
Total interest income	$1,977,000	2,955
Total interest expense	$235,000	2,805
Net interest income	$1,742,000	2,939
Provision for loan and lease losses	$110,000	1,510
Total noninterest income	$127,000	4,262
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$97,000	2,725
Trading account gains and fees	$0	147
Additional Noninterest Income	$30,000	5,162
Total noninterest expense	$1,125,000	3,603
Salaries and employee benefits	$650,000	3,460
Premises and equipment expense	$119,000	3,847
Additional noninterest expense	$356,000	3,679
Pre-tax net operating income	$634,000	2,485
Securities gains (losses)	$26,000	872
Applicable income taxes	$252,000	1,504
Income before extraordinary items	$408,000	2,954
Extraordinary gains, net	$0	16
Net income	$408,000	2,957
Minority interest net income	$0	66
Net income of bank and minority interests.	$408,000	2,957
Net charge-offs	$53,000	1,827
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$391,360	3,004
2013-12-31 (YTD Data)		Rank
Total interest income	$7,907,000	2,965
Total interest expense	$1,125,000	2,697
Net interest income	$6,782,000	2,976
Provision for loan and lease losses	$690,000	1,492
Total noninterest income	$536,000	4,309
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$414,000	2,733
Trading account gains and fees	$0	184
Additional Noninterest Income	$122,000	5,172
Total noninterest expense	$4,482,000	3,651
Salaries and employee benefits	$2,509,000	3,536
Premises and equipment expense	$500,000	3,737
Additional noninterest expense	$1,473,000	3,696
Pre-tax net operating income	$2,146,000	2,726
Securities gains (losses)	$17,000	2,417
Applicable income taxes	$831,000	1,648
Income before extraordinary items	$1,332,000	3,373
Extraordinary gains, net	$0	29
Net income	$1,332,000	3,375
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,332,000	3,376
Net charge-offs	$635,000	1,740
Cash dividends	$510,000	2,723
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,321,120	3,341
2013-09-30 (YTD Data)		Rank
Total interest income	$5,867,000	3,015
Total interest expense	$875,000	2,702
Net interest income	$4,992,000	3,035
Provision for loan and lease losses	$550,000	1,414
Total noninterest income	$384,000	4,437
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$303,000	2,802
Trading account gains and fees	$0	180
Additional Noninterest Income	$81,000	5,393
Total noninterest expense	$3,321,000	3,704
Salaries and employee benefits	$1,899,000	3,531
Premises and equipment expense	$353,000	3,909
Additional noninterest expense	$1,069,000	3,770
Pre-tax net operating income	$1,505,000	2,912
Securities gains (losses)	$17,000	2,288
Applicable income taxes	$582,000	1,769
Income before extraordinary items	$940,000	3,536
Extraordinary gains, net	$0	25
Net income	$940,000	3,538
Minority interest net income	$0	84
Net income of bank and minority interests.	$940,000	3,540
Net charge-offs	$552,000	1,494
Cash dividends	$510,000	2,073
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$929,120	3,478
2013-06-30 (YTD Data)		Rank
Total interest income	$3,893,000	3,027
Total interest expense	$606,000	2,692
Net interest income	$3,287,000	3,069
Provision for loan and lease losses	$370,000	1,451
Total noninterest income	$215,000	4,743
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$196,000	2,830
Trading account gains and fees	$0	157
Additional Noninterest Income	$19,000	6,126
Total noninterest expense	$2,232,000	3,708
Salaries and employee benefits	$1,273,000	3,522
Premises and equipment expense	$241,000	3,875
Additional noninterest expense	$718,000	3,764
Pre-tax net operating income	$900,000	3,096
Securities gains (losses)	$0	2,791
Applicable income taxes	$344,000	1,876
Income before extraordinary items	$556,000	3,739
Extraordinary gains, net	$0	22
Net income	$556,000	3,741
Minority interest net income	$0	82
Net income of bank and minority interests.	$556,000	3,742
Net charge-offs	$524,000	1,227
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$556,000	3,643
2013-03-31 (YTD Data)		Rank
Total interest income	$1,973,000	3,020
Total interest expense	$308,000	2,728
Net interest income	$1,665,000	3,043
Provision for loan and lease losses	$175,000	1,482
Total noninterest income	$68,000	5,375
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$88,000	3,040
Trading account gains and fees	$0	148
Additional Noninterest Income	$-20,000	6,836
Total noninterest expense	$1,108,000	3,749
Salaries and employee benefits	$640,000	3,558
Premises and equipment expense	$116,000	3,975
Additional noninterest expense	$352,000	3,829
Pre-tax net operating income	$450,000	3,082
Securities gains (losses)	$0	1,966
Applicable income taxes	$172,000	1,853
Income before extraordinary items	$278,000	3,711
Extraordinary gains, net	$0	10
Net income	$278,000	3,710
Minority interest net income	$0	76
Net income of bank and minority interests.	$278,000	3,712
Net charge-offs	$202,000	1,347
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$278,000	3,612
2012-12-31 (YTD Data)		Rank
Total interest income	$7,694,000	3,211
Total interest expense	$1,339,000	2,954
Net interest income	$6,355,000	3,230
Provision for loan and lease losses	$592,000	2,494
Total noninterest income	$566,000	4,275
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$453,000	2,682
Trading account gains and fees	$0	166
Additional Noninterest Income	$113,000	5,226
Total noninterest expense	$4,091,000	3,970
Salaries and employee benefits	$2,320,000	3,750
Premises and equipment expense	$532,000	3,672
Additional noninterest expense	$1,239,000	4,279
Pre-tax net operating income	$2,238,000	2,616
Securities gains (losses)	$192,000	1,739
Applicable income taxes	$932,000	1,534
Income before extraordinary items	$1,498,000	3,128
Extraordinary gains, net	$0	29
Net income	$1,498,000	3,128
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,498,000	3,128
Net charge-offs	$290,000	3,334
Cash dividends	$408,000	2,986
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,375,120	3,146
2012-09-30 (YTD Data)		Rank
Total interest income	$5,717,000	3,304
Total interest expense	$1,017,000	3,035
Net interest income	$4,700,000	3,326
Provision for loan and lease losses	$345,000	2,796
Total noninterest income	$459,000	4,171
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$343,000	2,689
Trading account gains and fees	$0	157
Additional Noninterest Income	$116,000	4,935
Total noninterest expense	$3,046,000	4,021
Salaries and employee benefits	$1,757,000	3,744
Premises and equipment expense	$372,000	3,892
Additional noninterest expense	$917,000	4,334
Pre-tax net operating income	$1,768,000	2,582
Securities gains (losses)	$34,000	2,651
Applicable income taxes	$690,000	1,601
Income before extraordinary items	$1,112,000	3,222
Extraordinary gains, net	$0	20
Net income	$1,112,000	3,223
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,112,000	3,222
Net charge-offs	$105,000	3,921
Cash dividends	$408,000	2,250
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,090,240	3,121
2012-06-30 (YTD Data)		Rank
Total interest income	$3,800,000	3,335
Total interest expense	$684,000	3,104
Net interest income	$3,116,000	3,341
Provision for loan and lease losses	$285,000	2,522
Total noninterest income	$352,000	3,906
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$234,000	2,629
Trading account gains and fees	$0	153
Additional Noninterest Income	$118,000	4,421
Total noninterest expense	$1,955,000	4,137
Salaries and employee benefits	$1,166,000	3,776
Premises and equipment expense	$250,000	3,870
Additional noninterest expense	$539,000	4,654
Pre-tax net operating income	$1,228,000	2,480
Securities gains (losses)	$34,000	2,279
Applicable income taxes	$483,000	1,533
Income before extraordinary items	$779,000	3,097
Extraordinary gains, net	$0	19
Net income	$779,000	3,096
Minority interest net income	$0	84
Net income of bank and minority interests.	$779,000	3,097
Net charge-offs	$66,000	3,781
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$757,240	3,001
2012-03-31 (YTD Data)		Rank
Total interest income	$1,921,000	3,328
Total interest expense	$350,000	3,148
Net interest income	$1,571,000	3,328
Provision for loan and lease losses	$175,000	2,152
Total noninterest income	$195,000	3,702
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$120,000	2,546
Trading account gains and fees	$0	148
Additional Noninterest Income	$75,000	4,102
Total noninterest expense	$1,061,000	3,940
Salaries and employee benefits	$588,000	3,788
Premises and equipment expense	$121,000	3,968
Additional noninterest expense	$352,000	3,970
Pre-tax net operating income	$530,000	2,766
Securities gains (losses)	$0	2,210
Applicable income taxes	$203,000	1,706
Income before extraordinary items	$327,000	3,475
Extraordinary gains, net	$0	19
Net income	$327,000	3,478
Minority interest net income	$0	78
Net income of bank and minority interests.	$327,000	3,478
Net charge-offs	$49,000	3,033
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$327,000	3,301
2011-12-31 (YTD Data)		Rank
Total interest income	$7,731,000	3,420
Total interest expense	$1,630,000	3,236
Net interest income	$6,101,000	3,422
Provision for loan and lease losses	$472,000	3,541
Total noninterest income	$623,000	3,992
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$553,000	2,374
Trading account gains and fees	$0	146
Additional Noninterest Income	$70,000	5,649
Total noninterest expense	$4,269,000	3,940
Salaries and employee benefits	$2,301,000	3,790
Premises and equipment expense	$542,000	3,834
Additional noninterest expense	$1,426,000	3,992
Pre-tax net operating income	$1,983,000	2,528
Securities gains (losses)	$132,000	1,821
Applicable income taxes	$811,000	1,544
Income before extraordinary items	$1,304,000	3,051
Extraordinary gains, net	$0	29
Net income	$1,304,000	3,053
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,304,000	3,053
Net charge-offs	$453,000	3,299
Cash dividends	$374,000	2,772
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,219,520	3,082
2011-09-30 (YTD Data)		Rank
Total interest income	$5,790,000	3,467
Total interest expense	$1,251,000	3,283
Net interest income	$4,539,000	3,451
Provision for loan and lease losses	$317,000	3,535
Total noninterest income	$467,000	4,017
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$418,000	2,381
Trading account gains and fees	$0	145
Additional Noninterest Income	$49,000	5,814
Total noninterest expense	$3,155,000	3,981
Salaries and employee benefits	$1,752,000	3,766
Premises and equipment expense	$383,000	4,030
Additional noninterest expense	$1,020,000	4,131
Pre-tax net operating income	$1,534,000	2,527
Securities gains (losses)	$47,000	2,372
Applicable income taxes	$606,000	1,565
Income before extraordinary items	$975,000	3,117
Extraordinary gains, net	$0	21
Net income	$975,000	3,118
Minority interest net income	$0	87
Net income of bank and minority interests.	$975,000	3,118
Net charge-offs	$375,000	2,989
Cash dividends	$374,000	2,123
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$944,920	3,077
2011-06-30 (YTD Data)		Rank
Total interest income	$3,816,000	3,525
Total interest expense	$853,000	3,341
Net interest income	$2,963,000	3,509
Provision for loan and lease losses	$217,000	3,430
Total noninterest income	$302,000	4,094
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$271,000	2,407
Trading account gains and fees	$0	153
Additional Noninterest Income	$31,000	5,931
Total noninterest expense	$2,143,000	3,991
Salaries and employee benefits	$1,189,000	3,728
Premises and equipment expense	$255,000	4,049
Additional noninterest expense	$699,000	4,115
Pre-tax net operating income	$905,000	2,707
Securities gains (losses)	$47,000	1,636
Applicable income taxes	$365,000	1,610
Income before extraordinary items	$587,000	3,228
Extraordinary gains, net	$0	15
Net income	$587,000	3,229
Minority interest net income	$0	89
Net income of bank and minority interests.	$587,000	3,229
Net charge-offs	$265,000	2,826
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$556,920	3,265
2011-03-31 (YTD Data)		Rank
Total interest income	$1,877,000	3,587
Total interest expense	$434,000	3,402
Net interest income	$1,443,000	3,580
Provision for loan and lease losses	$157,000	2,706
Total noninterest income	$155,000	4,095
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$129,000	2,477
Trading account gains and fees	$0	158
Additional Noninterest Income	$26,000	5,544
Total noninterest expense	$1,080,000	3,984
Salaries and employee benefits	$593,000	3,758
Premises and equipment expense	$129,000	4,078
Additional noninterest expense	$358,000	4,032
Pre-tax net operating income	$361,000	3,179
Securities gains (losses)	$0	1,772
Applicable income taxes	$138,000	1,866
Income before extraordinary items	$223,000	3,789
Extraordinary gains, net	$0	9
Net income	$223,000	3,789
Minority interest net income	$0	86
Net income of bank and minority interests.	$223,000	3,789
Net charge-offs	$224,000	2,017
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$223,000	3,735
2010-12-31 (YTD Data)		Rank
Total interest income	$7,868,000	3,599
Total interest expense	$2,238,000	3,263
Net interest income	$5,630,000	3,650
Provision for loan and lease losses	$728,000	3,540
Total noninterest income	$645,000	4,086
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$555,000	2,453
Trading account gains and fees	$0	175
Additional Noninterest Income	$90,000	5,561
Total noninterest expense	$4,177,000	4,097
Salaries and employee benefits	$2,204,000	3,952
Premises and equipment expense	$562,000	3,895
Additional noninterest expense	$1,411,000	4,172
Pre-tax net operating income	$1,370,000	2,866
Securities gains (losses)	$88,000	2,270
Applicable income taxes	$559,000	1,776
Income before extraordinary items	$899,000	3,422
Extraordinary gains, net	$0	29
Net income	$899,000	3,419
Minority interest net income	$0	111
Net income of bank and minority interests.	$899,000	3,422
Net charge-offs	$504,000	3,640
Cash dividends	$578,000	2,179
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$842,680	3,407
2010-09-30 (YTD Data)		Rank
Total interest income	$5,924,000	3,658
Total interest expense	$1,758,000	3,264
Net interest income	$4,166,000	3,726
Provision for loan and lease losses	$423,000	3,821
Total noninterest income	$482,000	4,146
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$415,000	2,514
Trading account gains and fees	$0	165
Additional Noninterest Income	$67,000	5,698
Total noninterest expense	$3,161,000	4,076
Salaries and employee benefits	$1,702,000	3,906
Premises and equipment expense	$408,000	4,047
Additional noninterest expense	$1,051,000	4,169
Pre-tax net operating income	$1,064,000	2,969
Securities gains (losses)	$88,000	2,033
Applicable income taxes	$442,000	1,778
Income before extraordinary items	$710,000	3,481
Extraordinary gains, net	$0	23
Net income	$710,000	3,479
Minority interest net income	$0	110
Net income of bank and minority interests.	$710,000	3,481
Net charge-offs	$326,000	3,619
Cash dividends	$578,000	1,608
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$653,680	3,502
2010-06-30 (YTD Data)		Rank
Total interest income	$3,929,000	3,703
Total interest expense	$1,223,000	3,257
Net interest income	$2,706,000	3,806
Provision for loan and lease losses	$228,000	4,043
Total noninterest income	$304,000	4,230
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$270,000	2,565
Trading account gains and fees	$0	152
Additional Noninterest Income	$34,000	6,017
Total noninterest expense	$2,064,000	4,139
Salaries and employee benefits	$1,141,000	3,911
Premises and equipment expense	$269,000	4,093
Additional noninterest expense	$654,000	4,359
Pre-tax net operating income	$718,000	2,984
Securities gains (losses)	$88,000	1,495
Applicable income taxes	$309,000	1,712
Income before extraordinary items	$497,000	3,421
Extraordinary gains, net	$0	19
Net income	$497,000	3,418
Minority interest net income	$0	105
Net income of bank and minority interests.	$497,000	3,420
Net charge-offs	$166,000	3,724
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$440,680	3,510
2010-03-31 (YTD Data)		Rank
Total interest income	$1,960,000	3,765
Total interest expense	$631,000	3,306
Net interest income	$1,329,000	3,863
Provision for loan and lease losses	$133,000	3,596
Total noninterest income	$157,000	4,170
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$129,000	2,648
Trading account gains and fees	$0	175
Additional Noninterest Income	$28,000	5,531
Total noninterest expense	$1,035,000	4,182
Salaries and employee benefits	$576,000	3,938
Premises and equipment expense	$135,000	4,161
Additional noninterest expense	$324,000	4,382
Pre-tax net operating income	$318,000	3,265
Securities gains (losses)	$0	2,284
Applicable income taxes	$122,000	1,925
Income before extraordinary items	$196,000	3,929
Extraordinary gains, net	$0	16
Net income	$196,000	3,927
Minority interest net income	$0	91
Net income of bank and minority interests.	$196,000	3,928
Net charge-offs	$165,000	2,632
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$196,000	3,821
2009-12-31 (YTD Data)		Rank
Total interest income	$8,170,000	3,760
Total interest expense	$2,920,000	3,476
Net interest income	$5,250,000	3,827
Provision for loan and lease losses	$628,000	4,187
Total noninterest income	$706,000	4,045
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$612,000	2,505
Trading account gains and fees	$0	211
Additional Noninterest Income	$94,000	5,717
Total noninterest expense	$4,085,000	4,277
Salaries and employee benefits	$2,117,000	4,183
Premises and equipment expense	$620,000	3,789
Additional noninterest expense	$1,348,000	4,389
Pre-tax net operating income	$1,243,000	2,652
Securities gains (losses)	$0	3,754
Applicable income taxes	$553,000	1,455
Income before extraordinary items	$690,000	3,384
Extraordinary gains, net	$0	34
Net income	$690,000	3,384
Minority interest net income	$0	115
Net income of bank and minority interests.	$690,000	3,383
Net charge-offs	$361,000	4,244
Cash dividends	$612,000	2,290
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$690,000	3,326
2009-09-30 (YTD Data)		Rank
Total interest income	$6,137,000	3,800
Total interest expense	$2,248,000	3,545
Net interest income	$3,889,000	3,851
Provision for loan and lease losses	$553,000	3,649
Total noninterest income	$522,000	4,142
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$460,000	2,520
Trading account gains and fees	$0	212
Additional Noninterest Income	$62,000	6,003
Total noninterest expense	$2,826,000	4,517
Salaries and employee benefits	$1,623,000	4,143
Premises and equipment expense	$242,000	5,538
Additional noninterest expense	$961,000	4,520
Pre-tax net operating income	$1,032,000	2,680
Securities gains (losses)	$0	3,497
Applicable income taxes	$395,000	1,645
Income before extraordinary items	$637,000	3,285
Extraordinary gains, net	$0	27
Net income	$637,000	3,283
Minority interest net income	$0	118
Net income of bank and minority interests.	$637,000	3,285
Net charge-offs	$238,000	4,037
Cash dividends	$612,000	1,768
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$637,000	3,194
2009-06-30 (YTD Data)		Rank
Total interest income	$4,045,000	3,873
Total interest expense	$1,525,000	3,627
Net interest income	$2,520,000	3,922
Provision for loan and lease losses	$533,000	2,894
Total noninterest income	$360,000	4,057
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$294,000	2,563
Trading account gains and fees	$0	193
Additional Noninterest Income	$66,000	5,442
Total noninterest expense	$1,857,000	4,592
Salaries and employee benefits	$1,077,000	4,207
Premises and equipment expense	$165,000	5,542
Additional noninterest expense	$615,000	4,655
Pre-tax net operating income	$490,000	3,338
Securities gains (losses)	$0	3,136
Applicable income taxes	$188,000	2,026
Income before extraordinary items	$302,000	3,957
Extraordinary gains, net	$0	21
Net income	$302,000	3,956
Minority interest net income	$0	112
Net income of bank and minority interests.	$302,000	3,956
Net charge-offs	$129,000	3,952
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$302,000	3,837
2009-03-31 (YTD Data)		Rank
Total interest income	$2,037,000	3,891
Total interest expense	$766,000	3,723
Net interest income	$1,271,000	3,888
Provision for loan and lease losses	$100,000	3,845
Total noninterest income	$174,000	4,094
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$141,000	2,599
Trading account gains and fees	$0	171
Additional Noninterest Income	$33,000	5,480
Total noninterest expense	$885,000	4,662
Salaries and employee benefits	$539,000	4,218
Premises and equipment expense	$83,000	5,572
Additional noninterest expense	$263,000	4,809
Pre-tax net operating income	$460,000	2,524
Securities gains (losses)	$0	2,434
Applicable income taxes	$176,000	1,580
Income before extraordinary items	$284,000	3,230
Extraordinary gains, net	$0	15
Net income	$284,000	3,230
Minority interest net income	$0	102
Net income of bank and minority interests.	$284,000	3,230
Net charge-offs	$100,000	2,864
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$284,000	3,079
2008-12-31 (YTD Data)		Rank
Total interest income	$8,744,000	3,874
Total interest expense	$3,649,000	3,743
Net interest income	$5,095,000	3,905
Provision for loan and lease losses	$511,000	3,766
Total noninterest income	$724,000	4,055
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$616,000	2,599
Trading account gains and fees	$0	154
Additional Noninterest Income	$108,000	5,814
Total noninterest expense	$3,247,000	4,866
Salaries and employee benefits	$1,992,000	4,470
Premises and equipment expense	$309,000	5,728
Additional noninterest expense	$946,000	4,990
Pre-tax net operating income	$2,061,000	2,391
Securities gains (losses)	$0	3,220
Applicable income taxes	$792,000	1,409
Income before extraordinary items	$1,269,000	2,811
Extraordinary gains, net	$0	39
Net income	$1,269,000	2,811
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$480,000	2,853
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,269,000	2,952
2008-09-30 (YTD Data)		Rank
Total interest income	$6,609,000	3,917
Total interest expense	$2,825,000	3,771
Net interest income	$3,784,000	3,946
Provision for loan and lease losses	$248,000	3,868
Total noninterest income	$547,000	4,144
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$465,000	2,598
Trading account gains and fees	$0	148
Additional Noninterest Income	$82,000	5,922
Total noninterest expense	$2,378,000	4,919
Salaries and employee benefits	$1,486,000	4,513
Premises and equipment expense	$221,000	5,852
Additional noninterest expense	$671,000	5,091
Pre-tax net operating income	$1,705,000	2,580
Securities gains (losses)	$0	3,106
Applicable income taxes	$653,000	1,603
Income before extraordinary items	$1,052,000	3,002
Extraordinary gains, net	$0	31
Net income	$1,052,000	2,998
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$170,000	3,264
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,052,000	3,158
2008-06-30 (YTD Data)		Rank
Total interest income	$4,469,000	3,933
Total interest expense	$1,975,000	3,780
Net interest income	$2,494,000	3,977
Provision for loan and lease losses	$148,000	3,696
Total noninterest income	$340,000	4,354
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$293,000	2,687
Trading account gains and fees	$0	149
Additional Noninterest Income	$47,000	6,218
Total noninterest expense	$1,592,000	4,930
Salaries and employee benefits	$1,004,000	4,508
Premises and equipment expense	$146,000	5,901
Additional noninterest expense	$442,000	5,108
Pre-tax net operating income	$1,094,000	2,766
Securities gains (losses)	$0	3,233
Applicable income taxes	$419,000	1,820
Income before extraordinary items	$675,000	3,387
Extraordinary gains, net	$0	21
Net income	$675,000	3,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	3,432
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$675,000	3,341
2008-03-31 (YTD Data)		Rank
Total interest income	$2,274,000	3,973
Total interest expense	$1,064,000	3,759
Net interest income	$1,210,000	4,084
Provision for loan and lease losses	$68,000	3,346
Total noninterest income	$165,000	4,400
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$145,000	2,698
Trading account gains and fees	$0	158
Additional Noninterest Income	$20,000	6,458
Total noninterest expense	$811,000	4,892
Salaries and employee benefits	$509,000	4,490
Premises and equipment expense	$74,000	5,910
Additional noninterest expense	$228,000	4,974
Pre-tax net operating income	$496,000	3,086
Securities gains (losses)	$0	2,688
Applicable income taxes	$190,000	2,042
Income before extraordinary items	$306,000	3,756
Extraordinary gains, net	$0	15
Net income	$306,000	3,760
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	3,284
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$306,000	3,676
2007-12-31 (YTD Data)		Rank
Total interest income	$8,769,000	4,114
Total interest expense	$4,192,000	3,898
Net interest income	$4,577,000	4,249
Provision for loan and lease losses	$314,000	3,110
Total noninterest income	$694,000	4,323
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$586,000	2,720
Trading account gains and fees	$0	178
Additional Noninterest Income	$108,000	6,097
Total noninterest expense	$2,971,000	5,032
Salaries and employee benefits	$1,834,000	4,683
Premises and equipment expense	$295,000	5,813
Additional noninterest expense	$842,000	5,176
Pre-tax net operating income	$1,986,000	3,334
Securities gains (losses)	$0	2,146
Applicable income taxes	$766,000	2,190
Income before extraordinary items	$1,220,000	3,905
Extraordinary gains, net	$0	39
Net income	$1,220,000	3,904
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$266,000	2,456
Cash dividends	$102,000	5,337
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,220,000	3,899
2007-09-30 (YTD Data)		Rank
Total interest income	$6,458,000	4,182
Total interest expense	$3,050,000	3,969
Net interest income	$3,408,000	4,292
Provision for loan and lease losses	$114,000	3,931
Total noninterest income	$512,000	4,360
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$424,000	2,782
Trading account gains and fees	$0	184
Additional Noninterest Income	$88,000	6,009
Total noninterest expense	$2,241,000	4,994
Salaries and employee benefits	$1,389,000	4,610
Premises and equipment expense	$225,000	5,784
Additional noninterest expense	$627,000	5,150
Pre-tax net operating income	$1,565,000	3,377
Securities gains (losses)	$0	1,655
Applicable income taxes	$599,000	2,293
Income before extraordinary items	$966,000	3,971
Extraordinary gains, net	$0	33
Net income	$966,000	3,969
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	2,423
Cash dividends	$102,000	4,656
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$966,000	3,954
2007-06-30 (YTD Data)		Rank
Total interest income	$4,214,000	4,263
Total interest expense	$1,943,000	4,088
Net interest income	$2,271,000	4,322
Provision for loan and lease losses	$51,000	4,329
Total noninterest income	$327,000	4,480
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$267,000	2,890
Trading account gains and fees	$0	168
Additional Noninterest Income	$60,000	5,996
Total noninterest expense	$1,495,000	5,018
Salaries and employee benefits	$916,000	4,692
Premises and equipment expense	$151,000	5,790
Additional noninterest expense	$428,000	5,060
Pre-tax net operating income	$1,052,000	3,421
Securities gains (losses)	$0	1,444
Applicable income taxes	$403,000	2,369
Income before extraordinary items	$649,000	3,993
Extraordinary gains, net	$0	29
Net income	$649,000	3,993
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	2,076
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$649,000	3,983
2007-03-31 (YTD Data)		Rank
Total interest income	$2,012,000	4,385
Total interest expense	$903,000	4,260
Net interest income	$1,109,000	4,392
Provision for loan and lease losses	$18,000	4,475
Total noninterest income	$143,000	4,745
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$122,000	3,030
Trading account gains and fees	$0	195
Additional Noninterest Income	$21,000	6,540
Total noninterest expense	$738,000	5,067
Salaries and employee benefits	$452,000	4,775
Premises and equipment expense	$74,000	5,891
Additional noninterest expense	$212,000	5,077
Pre-tax net operating income	$496,000	3,547
Securities gains (losses)	$0	1,187
Applicable income taxes	$190,000	2,470
Income before extraordinary items	$306,000	4,122
Extraordinary gains, net	$0	22
Net income	$306,000	4,123
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	2,431
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$306,000	4,097
2006-12-31 (YTD Data)		Rank
Total interest income	$7,288,000	4,454
Total interest expense	$3,052,000	4,278
Net interest income	$4,236,000	4,495
Provision for loan and lease losses	$153,000	4,016
Total noninterest income	$602,000	4,719
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$480,000	3,145
Trading account gains and fees	$0	130
Additional Noninterest Income	$122,000	5,983
Total noninterest expense	$2,797,000	5,125
Salaries and employee benefits	$1,718,000	4,765
Premises and equipment expense	$312,000	5,644
Additional noninterest expense	$767,000	5,350
Pre-tax net operating income	$1,888,000	3,768
Securities gains (losses)	$0	1,687
Applicable income taxes	$724,000	2,623
Income before extraordinary items	$1,164,000	4,340
Extraordinary gains, net	$0	51
Net income	$1,164,000	4,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	4,834
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,164,000	4,320
2006-09-30 (YTD Data)		Rank
Total interest income	$5,321,000	4,518
Total interest expense	$2,165,000	4,331
Net interest income	$3,156,000	4,550
Provision for loan and lease losses	$135,000	3,558
Total noninterest income	$467,000	4,670
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$366,000	3,130
Trading account gains and fees	$0	126
Additional Noninterest Income	$101,000	5,828
Total noninterest expense	$2,112,000	5,086
Salaries and employee benefits	$1,284,000	4,745
Premises and equipment expense	$247,000	5,515
Additional noninterest expense	$581,000	5,308
Pre-tax net operating income	$1,376,000	3,980
Securities gains (losses)	$0	1,388
Applicable income taxes	$527,000	2,789
Income before extraordinary items	$849,000	4,563
Extraordinary gains, net	$0	45
Net income	$849,000	4,567
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	5,016
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$849,000	4,552
2006-06-30 (YTD Data)		Rank
Total interest income	$3,468,000	4,544
Total interest expense	$1,365,000	4,354
Net interest income	$2,103,000	4,561
Provision for loan and lease losses	$117,000	3,131
Total noninterest income	$326,000	4,521
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$245,000	3,098
Trading account gains and fees	$0	126
Additional Noninterest Income	$81,000	5,545
Total noninterest expense	$1,406,000	5,105
Salaries and employee benefits	$857,000	4,780
Premises and equipment expense	$162,000	5,568
Additional noninterest expense	$387,000	5,318
Pre-tax net operating income	$906,000	4,032
Securities gains (losses)	$0	1,185
Applicable income taxes	$347,000	2,845
Income before extraordinary items	$559,000	4,608
Extraordinary gains, net	$0	39
Net income	$559,000	4,612
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,074
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$559,000	4,599
2006-03-31 (YTD Data)		Rank
Total interest income	$1,669,000	4,606
Total interest expense	$640,000	4,419
Net interest income	$1,029,000	4,627
Provision for loan and lease losses	$62,000	2,766
Total noninterest income	$157,000	4,561
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$113,000	3,198
Trading account gains and fees	$0	115
Additional Noninterest Income	$44,000	5,355
Total noninterest expense	$693,000	5,163
Salaries and employee benefits	$428,000	4,800
Premises and equipment expense	$77,000	5,732
Additional noninterest expense	$188,000	5,373
Pre-tax net operating income	$431,000	4,108
Securities gains (losses)	$0	955
Applicable income taxes	$165,000	2,890
Income before extraordinary items	$266,000	4,712
Extraordinary gains, net	$0	21
Net income	$266,000	4,712
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,110
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$266,000	4,694
2005-12-31 (YTD Data)		Rank
Total interest income	$5,725,000	4,735
Total interest expense	$1,863,000	4,650
Net interest income	$3,862,000	4,728
Provision for loan and lease losses	$198,000	3,618
Total noninterest income	$565,000	4,950
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$434,000	3,358
Trading account gains and fees	$0	138
Additional Noninterest Income	$131,000	5,961
Total noninterest expense	$2,754,000	5,062
Salaries and employee benefits	$1,660,000	4,740
Premises and equipment expense	$309,000	5,641
Additional noninterest expense	$785,000	5,227
Pre-tax net operating income	$1,475,000	4,428
Securities gains (losses)	$0	2,296
Applicable income taxes	$565,000	3,168
Income before extraordinary items	$910,000	5,055
Extraordinary gains, net	$0	46
Net income	$910,000	5,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$163,000	2,600
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$910,000	5,019
2005-09-30 (YTD Data)		Rank
Total interest income	$4,130,000	4,812
Total interest expense	$1,295,000	4,725
Net interest income	$2,835,000	4,805
Provision for loan and lease losses	$183,000	3,105
Total noninterest income	$419,000	4,999
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$315,000	3,448
Trading account gains and fees	$0	126
Additional Noninterest Income	$104,000	5,876
Total noninterest expense	$2,033,000	5,088
Salaries and employee benefits	$1,246,000	4,704
Premises and equipment expense	$231,000	5,653
Additional noninterest expense	$556,000	5,372
Pre-tax net operating income	$1,038,000	4,674
Securities gains (losses)	$0	2,317
Applicable income taxes	$397,000	3,335
Income before extraordinary items	$641,000	5,295
Extraordinary gains, net	$0	35
Net income	$641,000	5,298
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$145,000	2,063
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$641,000	5,260
2005-06-30 (YTD Data)		Rank
Total interest income	$2,649,000	4,876
Total interest expense	$803,000	4,772
Net interest income	$1,846,000	4,866
Provision for loan and lease losses	$160,000	2,526
Total noninterest income	$283,000	4,939
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$194,000	3,565
Trading account gains and fees	$0	116
Additional Noninterest Income	$89,000	5,401
Total noninterest expense	$1,328,000	5,138
Salaries and employee benefits	$830,000	4,695
Premises and equipment expense	$151,000	5,689
Additional noninterest expense	$347,000	5,554
Pre-tax net operating income	$641,000	4,846
Securities gains (losses)	$0	2,146
Applicable income taxes	$245,000	3,449
Income before extraordinary items	$396,000	5,477
Extraordinary gains, net	$0	30
Net income	$396,000	5,479
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$116,000	1,738
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$396,000	5,438
2005-03-31 (YTD Data)		Rank
Total interest income	$1,280,000	4,965
Total interest expense	$375,000	4,852
Net interest income	$905,000	4,941
Provision for loan and lease losses	$130,000	1,632
Total noninterest income	$137,000	4,943
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$91,000	3,658
Trading account gains and fees	$0	115
Additional Noninterest Income	$46,000	5,356
Total noninterest expense	$661,000	5,198
Salaries and employee benefits	$413,000	4,716
Premises and equipment expense	$76,000	5,710
Additional noninterest expense	$172,000	5,558
Pre-tax net operating income	$251,000	5,444
Securities gains (losses)	$0	1,685
Applicable income taxes	$96,000	3,827
Income before extraordinary items	$155,000	6,032
Extraordinary gains, net	$0	24
Net income	$155,000	6,033
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$110,000	1,051
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$155,000	5,991
2004-12-31 (YTD Data)		Rank
Total interest income	$4,772,000	5,004
Total interest expense	$1,297,000	4,902
Net interest income	$3,475,000	4,932
Provision for loan and lease losses	$135,000	4,427
Total noninterest income	$515,000	5,186
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$360,000	3,871
Trading account gains and fees	$0	138
Additional Noninterest Income	$155,000	5,625
Total noninterest expense	$2,556,000	5,226
Salaries and employee benefits	$1,558,000	4,809
Premises and equipment expense	$318,000	5,511
Additional noninterest expense	$680,000	5,612
Pre-tax net operating income	$1,299,000	4,590
Securities gains (losses)	$0	3,819
Applicable income taxes	$497,000	3,366
Income before extraordinary items	$802,000	5,265
Extraordinary gains, net	$0	34
Net income	$802,000	5,267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	4,009
Cash dividends	$476,000	3,641
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$802,000	5,190
2004-09-30 (YTD Data)		Rank
Total interest income	$3,527,000	5,034
Total interest expense	$946,000	4,944
Net interest income	$2,581,000	4,950
Provision for loan and lease losses	$76,000	4,778
Total noninterest income	$373,000	5,301
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$261,000	3,987
Trading account gains and fees	$0	134
Additional Noninterest Income	$112,000	5,710
Total noninterest expense	$1,888,000	5,237
Salaries and employee benefits	$1,163,000	4,783
Premises and equipment expense	$231,000	5,580
Additional noninterest expense	$494,000	5,676
Pre-tax net operating income	$990,000	4,636
Securities gains (losses)	$0	3,710
Applicable income taxes	$379,000	3,397
Income before extraordinary items	$611,000	5,311
Extraordinary gains, net	$0	26
Net income	$611,000	5,311
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	3,410
Cash dividends	$204,000	3,946
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$611,000	5,229
2004-06-30 (YTD Data)		Rank
Total interest income	$2,299,000	5,108
Total interest expense	$622,000	5,004
Net interest income	$1,677,000	5,040
Provision for loan and lease losses	$39,000	5,071
Total noninterest income	$232,000	5,474
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$157,000	4,225
Trading account gains and fees	$0	130
Additional Noninterest Income	$75,000	5,718
Total noninterest expense	$1,252,000	5,283
Salaries and employee benefits	$775,000	4,821
Premises and equipment expense	$152,000	5,624
Additional noninterest expense	$325,000	5,725
Pre-tax net operating income	$618,000	4,755
Securities gains (losses)	$0	3,413
Applicable income taxes	$236,000	3,491
Income before extraordinary items	$382,000	5,437
Extraordinary gains, net	$0	21
Net income	$382,000	5,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	3,218
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$382,000	5,341
2004-03-31 (YTD Data)		Rank
Total interest income	$1,122,000	5,200
Total interest expense	$312,000	5,048
Net interest income	$810,000	5,160
Provision for loan and lease losses	$20,000	4,792
Total noninterest income	$112,000	5,514
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$75,000	4,266
Trading account gains and fees	$0	121
Additional Noninterest Income	$37,000	5,724
Total noninterest expense	$628,000	5,300
Salaries and employee benefits	$385,000	4,873
Premises and equipment expense	$78,000	5,588
Additional noninterest expense	$165,000	5,693
Pre-tax net operating income	$274,000	5,043
Securities gains (losses)	$0	2,934
Applicable income taxes	$105,000	3,703
Income before extraordinary items	$169,000	5,733
Extraordinary gains, net	$0	16
Net income	$169,000	5,734
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	3,994
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$169,000	5,612
2003-12-31 (YTD Data)		Rank
Total interest income	$4,217,000	5,454
Total interest expense	$1,411,000	5,058
Net interest income	$2,806,000	5,525
Provision for loan and lease losses	$102,000	5,285
Total noninterest income	$453,000	5,681
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$317,000	4,172
Trading account gains and fees	$0	160
Additional Noninterest Income	$136,000	6,003
Total noninterest expense	$2,145,000	5,757
Salaries and employee benefits	$1,270,000	5,436
Premises and equipment expense	$259,000	6,074
Additional noninterest expense	$616,000	5,908
Pre-tax net operating income	$1,012,000	5,148
Securities gains (losses)	$0	4,500
Applicable income taxes	$395,000	3,810
Income before extraordinary items	$617,000	5,893
Extraordinary gains, net	$0	54
Net income	$617,000	5,896
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,000	3,132
Cash dividends	$544,000	3,377
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$617,000	5,717
2003-09-30 (YTD Data)		Rank
Total interest income	$3,135,000	5,544
Total interest expense	$1,079,000	5,142
Net interest income	$2,056,000	5,630
Provision for loan and lease losses	$80,000	5,120
Total noninterest income	$345,000	5,705
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$244,000	4,142
Trading account gains and fees	$0	153
Additional Noninterest Income	$101,000	6,060
Total noninterest expense	$1,518,000	5,941
Salaries and employee benefits	$909,000	5,567
Premises and equipment expense	$190,000	6,129
Additional noninterest expense	$419,000	6,197
Pre-tax net operating income	$803,000	5,116
Securities gains (losses)	$0	4,204
Applicable income taxes	$307,000	3,873
Income before extraordinary items	$496,000	5,882
Extraordinary gains, net	$0	40
Net income	$496,000	5,883
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	3,148
Cash dividends	$238,000	3,823
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$496,000	5,704
2003-06-30 (YTD Data)		Rank
Total interest income	$2,092,000	5,588
Total interest expense	$730,000	5,212
Net interest income	$1,362,000	5,636
Provision for loan and lease losses	$39,000	5,514
Total noninterest income	$236,000	5,618
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$167,000	4,050
Trading account gains and fees	$0	150
Additional Noninterest Income	$69,000	6,016
Total noninterest expense	$963,000	6,111
Salaries and employee benefits	$582,000	5,714
Premises and equipment expense	$114,000	6,421
Additional noninterest expense	$267,000	6,335
Pre-tax net operating income	$596,000	4,845
Securities gains (losses)	$0	3,782
Applicable income taxes	$228,000	3,709
Income before extraordinary items	$368,000	5,609
Extraordinary gains, net	$0	30
Net income	$368,000	5,608
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	3,132
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$368,000	5,400
2003-03-31 (YTD Data)		Rank
Total interest income	$1,022,000	5,699
Total interest expense	$372,000	5,254
Net interest income	$650,000	5,785
Provision for loan and lease losses	$19,000	5,348
Total noninterest income	$118,000	5,493
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$79,000	4,109
Trading account gains and fees	$0	134
Additional Noninterest Income	$39,000	5,739
Total noninterest expense	$490,000	6,070
Salaries and employee benefits	$300,000	5,627
Premises and equipment expense	$59,000	6,332
Additional noninterest expense	$131,000	6,392
Pre-tax net operating income	$259,000	5,183
Securities gains (losses)	$0	2,891
Applicable income taxes	$99,000	3,958
Income before extraordinary items	$160,000	5,867
Extraordinary gains, net	$0	21
Net income	$160,000	5,866
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	2,727
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$160,000	5,670
2002-12-31 (YTD Data)		Rank
Total interest income	$4,599,000	5,459
Total interest expense	$1,868,000	5,037
Net interest income	$2,731,000	5,612
Provision for loan and lease losses	$170,000	4,692
Total noninterest income	$396,000	5,808
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$315,000	4,119
Trading account gains and fees	$0	153
Additional Noninterest Income	$81,000	6,848
Total noninterest expense	$1,893,000	6,074
Salaries and employee benefits	$1,127,000	5,725
Premises and equipment expense	$215,000	6,592
Additional noninterest expense	$551,000	6,221
Pre-tax net operating income	$1,064,000	5,054
Securities gains (losses)	$0	4,537
Applicable income taxes	$410,000	3,838
Income before extraordinary items	$654,000	5,738
Extraordinary gains, net	$0	70
Net income	$654,000	5,737
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	5,090
Cash dividends	$203,000	4,863
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$654,000	5,597
2001-12-31 (YTD Data)		Rank
Total interest income	$5,395,000	5,352
Total interest expense	$2,818,000	4,963
Net interest income	$2,577,000	5,612
Provision for loan and lease losses	$210,000	4,019
Total noninterest income	$356,000	5,983
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$271,000	4,431
Trading account gains and fees	$0	177
Additional Noninterest Income	$85,000	6,770
Total noninterest expense	$1,889,000	5,952
Salaries and employee benefits	$1,130,000	5,545
Premises and equipment expense	$212,000	6,623
Additional noninterest expense	$547,000	6,174
Pre-tax net operating income	$834,000	5,377
Securities gains (losses)	$0	4,612
Applicable income taxes	$315,000	4,170
Income before extraordinary items	$519,000	5,972
Extraordinary gains, net	$0	105
Net income	$519,000	5,973
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$219,000	2,714
Cash dividends	$306,000	4,333
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$519,000	5,866
2000-12-31 (YTD Data)		Rank
Total interest income	$5,672,000	5,285
Total interest expense	$2,937,000	5,004
Net interest income	$2,735,000	5,487
Provision for loan and lease losses	$60,000	6,179
Total noninterest income	$806,000	3,642
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$310,000	3,964
Trading account gains and fees	NA	NA
Additional Noninterest Income	$496,000	2,966
Total noninterest expense	$2,108,000	5,486
Salaries and employee benefits	$1,219,000	5,155
Premises and equipment expense	$242,000	6,158
Additional noninterest expense	$647,000	5,491
Pre-tax net operating income	$1,373,000	4,335
Securities gains (losses)	$0	1,956
Applicable income taxes	$519,000	3,405
Income before extraordinary items	$854,000	4,843
Extraordinary gains, net	$0	38
Net income	$854,000	4,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	3,790
Cash dividends	$340,000	4,261
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$854,000	4,853
1999-12-31 (YTD Data)		Rank
Total interest income	$4,814,000	5,698
Total interest expense	$2,301,000	5,485
Net interest income	$2,513,000	5,783
Provision for loan and lease losses	$87,000	5,531
Total noninterest income	$366,000	5,864
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$314,000	3,848
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	7,990
Total noninterest expense	$1,637,000	6,447
Salaries and employee benefits	$938,000	6,155
Premises and equipment expense	$190,000	6,970
Additional noninterest expense	$509,000	6,447
Pre-tax net operating income	$1,155,000	4,885
Securities gains (losses)	$0	3,155
Applicable income taxes	$449,000	3,867
Income before extraordinary items	$706,000	5,434
Extraordinary gains, net	$0	35
Net income	$706,000	5,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,247
Cash dividends	$595,000	3,197
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$706,000	5,406
1998-12-31 (YTD Data)		Rank
Total interest income	$4,538,000	6,025
Total interest expense	$2,175,000	5,881
Net interest income	$2,363,000	6,038
Provision for loan and lease losses	$321,000	2,462
Total noninterest income	$410,000	5,531
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$316,000	3,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$94,000	6,772
Total noninterest expense	$1,422,000	6,900
Salaries and employee benefits	$810,000	6,645
Premises and equipment expense	$171,000	7,213
Additional noninterest expense	$441,000	6,874
Pre-tax net operating income	$1,030,000	5,321
Securities gains (losses)	$9,000	3,034
Applicable income taxes	$389,000	4,501
Income before extraordinary items	$650,000	5,820
Extraordinary gains, net	$0	32
Net income	$650,000	5,819
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$281,000	1,952
Cash dividends	$391,000	4,071
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$644,240	5,733
1997-12-31 (YTD Data)		Rank
Total interest income	$4,302,000	6,384
Total interest expense	$1,991,000	6,286
Net interest income	$2,311,000	6,351
Provision for loan and lease losses	$108,000	5,007
Total noninterest income	$321,000	6,439
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$258,000	4,550
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	7,914
Total noninterest expense	$1,328,000	7,240
Salaries and employee benefits	$744,000	7,056
Premises and equipment expense	$169,000	7,402
Additional noninterest expense	$415,000	7,226
Pre-tax net operating income	$1,196,000	5,264
Securities gains (losses)	$0	3,944
Applicable income taxes	$462,000	4,449
Income before extraordinary items	$734,000	5,749
Extraordinary gains, net	$0	44
Net income	$734,000	5,751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$169,000	2,828
Cash dividends	$510,000	3,410
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$734,000	5,705
1996-12-31 (YTD Data)		Rank
Total interest income	$3,935,000	6,929
Total interest expense	$1,712,000	7,049
Net interest income	$2,223,000	6,719
Provision for loan and lease losses	$110,000	4,862
Total noninterest income	$280,000	7,194
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$224,000	5,177
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	8,626
Total noninterest expense	$1,176,000	8,048
Salaries and employee benefits	$674,000	7,687
Premises and equipment expense	$160,000	7,826
Additional noninterest expense	$342,000	8,435
Pre-tax net operating income	$1,217,000	5,076
Securities gains (losses)	$0	4,148
Applicable income taxes	$459,000	4,437
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	$53,000	5,188
Cash dividends	$68,000	7,249
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$758,000	5,427
1995-12-31 (YTD Data)		Rank
Total interest income	$3,704,000	7,305
Total interest expense	$1,637,000	7,310
Net interest income	$2,067,000	7,155
Provision for loan and lease losses	$91,000	4,801
Total noninterest income	$250,000	7,697
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$198,000	5,717
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	9,130
Total noninterest expense	$1,146,000	8,407
Salaries and employee benefits	$624,000	8,218
Premises and equipment expense	$164,000	7,947
Additional noninterest expense	$358,000	8,613
Pre-tax net operating income	$1,080,000	5,672
Securities gains (losses)	$5,000	2,809
Applicable income taxes	$407,000	4,892
Income before extraordinary items	$678,000	6,128
Extraordinary gains, net	$0	65
Net income	$678,000	6,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	4,132
Cash dividends	$289,000	4,662
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$674,800	6,132
1994-12-31 (YTD Data)		Rank
Total interest income	$3,026,000	7,986
Total interest expense	$1,182,000	7,979
Net interest income	$1,844,000	7,931
Provision for loan and lease losses	$92,000	4,738
Total noninterest income	$254,000	7,886
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$200,000	5,872
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	9,402
Total noninterest expense	$1,111,000	8,939
Salaries and employee benefits	$591,000	8,665
Premises and equipment expense	$165,000	8,185
Additional noninterest expense	$355,000	9,289
Pre-tax net operating income	$895,000	6,427
Securities gains (losses)	$0	3,600
Applicable income taxes	$339,000	5,403
Income before extraordinary items	$556,000	6,857
Extraordinary gains, net	$0	249
Net income	$556,000	6,869
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	3,686
Cash dividends	$323,000	4,279
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$556,000	6,912
1993-12-31 (YTD Data)		Rank
Total interest income	$2,978,000	8,373
Total interest expense	$1,110,000	8,635
Net interest income	$1,868,000	8,045
Provision for loan and lease losses	$107,000	5,595
Total noninterest income	$242,000	8,491
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$186,000	6,266
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	9,758
Total noninterest expense	$1,089,000	9,364
Salaries and employee benefits	$573,000	9,027
Premises and equipment expense	$133,000	9,383
Additional noninterest expense	$383,000	9,447
Pre-tax net operating income	$914,000	6,286
Securities gains (losses)	$7,000	5,826
Applicable income taxes	$350,000	5,498
Income before extraordinary items	$571,000	7,003
Extraordinary gains, net	$0	3,149
Net income	$571,000	7,170
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	5,430
Cash dividends	$289,000	4,538
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$566,520	6,773
1992-12-31 (YTD Data)		Rank
Total interest income	$3,163,000	8,696
Total interest expense	$1,302,000	9,226
Net interest income	$1,861,000	8,165
Provision for loan and lease losses	$126,000	6,581
Total noninterest income	$241,000	8,649
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$169,000	6,633
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	9,195
Total noninterest expense	$1,014,000	9,906
Salaries and employee benefits	$540,000	9,368
Premises and equipment expense	$131,000	9,652
Additional noninterest expense	$343,000	10,286
Pre-tax net operating income	$962,000	5,797
Securities gains (losses)	$12,000	6,245
Applicable income taxes	$363,000	5,177
Income before extraordinary items	$611,000	6,497
Extraordinary gains, net	$0	1,422
Net income	$611,000	6,574
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	8,726
Cash dividends	$510,000	2,726
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$603,320	6,183

* 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.