Home > Citizens Deposit Bank & Trust > Income and Expense

Citizens Deposit Bank & Trust, Income and Expense

2021-06-30 (YTD Data)		Rank
Total interest income	$9,681,000	1,542
Total interest expense	$536,000	2,262
Net interest income	$9,145,000	1,476
Provision for loan and lease losses	$-30,000	4,423
Total noninterest income	$1,346,000	1,911
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$609,000	798
Trading account gains and fees	$0	133
Additional Noninterest Income	$737,000	2,243
Total noninterest expense	$6,028,000	1,726
Salaries and employee benefits	$2,565,000	2,143
Premises and equipment expense	$892,000	1,345
Additional noninterest expense	$2,571,000	1,288
Pre-tax net operating income	$4,493,000	1,407
Securities gains (losses)	$538,000	252
Applicable income taxes	$1,205,000	1,018
Income before extraordinary items	$3,826,000	1,452
Extraordinary gains, net	$0	6
Net income	$3,826,000	1,452
Minority interest net income	$0	67
Net income of bank and minority interests.	$3,826,000	1,452
Net charge-offs	$51,000	1,146
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$3,400,980	1,539
2021-03-31 (YTD Data)		Rank
Total interest income	$4,461,000	1,651
Total interest expense	$299,000	2,184
Net interest income	$4,162,000	1,597
Provision for loan and lease losses	$120,000	1,135
Total noninterest income	$796,000	1,737
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$307,000	780
Trading account gains and fees	$0	127
Additional Noninterest Income	$489,000	1,945
Total noninterest expense	$2,911,000	1,759
Salaries and employee benefits	$1,229,000	2,185
Premises and equipment expense	$457,000	1,336
Additional noninterest expense	$1,225,000	1,309
Pre-tax net operating income	$1,927,000	1,565
Securities gains (losses)	$538,000	179
Applicable income taxes	$591,000	1,023
Income before extraordinary items	$1,874,000	1,459
Extraordinary gains, net	$0	3
Net income	$1,874,000	1,459
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,874,000	1,459
Net charge-offs	$7,000	1,445
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,448,980	1,727
2020-12-31 (YTD Data)		Rank
Total interest income	$20,518,000	1,464
Total interest expense	$2,282,000	1,812
Net interest income	$18,236,000	1,398
Provision for loan and lease losses	$440,000	2,369
Total noninterest income	$3,175,000	1,678
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$1,411,000	711
Trading account gains and fees	$0	133
Additional Noninterest Income	$1,764,000	1,921
Total noninterest expense	$13,252,000	1,566
Salaries and employee benefits	$5,669,000	1,976
Premises and equipment expense	$1,799,000	1,303
Additional noninterest expense	$5,784,000	1,128
Pre-tax net operating income	$7,719,000	1,285
Securities gains (losses)	$0	2,675
Applicable income taxes	$1,609,000	1,079
Income before extraordinary items	$6,110,000	1,402
Extraordinary gains, net	$0	4
Net income	$6,110,000	1,403
Minority interest net income	$0	72
Net income of bank and minority interests.	$6,110,000	1,403
Net charge-offs	$148,000	1,735
Cash dividends	$3,700,000	957
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$6,110,000	1,366
2020-09-30 (YTD Data)		Rank
Total interest income	$15,523,000	1,455
Total interest expense	$1,910,000	1,756
Net interest income	$13,613,000	1,393
Provision for loan and lease losses	$335,000	2,323
Total noninterest income	$2,371,000	1,632
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,052,000	707
Trading account gains and fees	$0	125
Additional Noninterest Income	$1,319,000	1,879
Total noninterest expense	$9,871,000	1,553
Salaries and employee benefits	$4,304,000	1,940
Premises and equipment expense	$1,348,000	1,303
Additional noninterest expense	$4,219,000	1,140
Pre-tax net operating income	$5,778,000	1,250
Securities gains (losses)	$0	2,494
Applicable income taxes	$1,209,000	1,040
Income before extraordinary items	$4,569,000	1,359
Extraordinary gains, net	$0	4
Net income	$4,569,000	1,359
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,569,000	1,359
Net charge-offs	$117,000	1,567
Cash dividends	$1,000,000	1,694
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$4,569,000	1,321
2020-06-30 (YTD Data)		Rank
Total interest income	$10,474,000	1,461
Total interest expense	$1,445,000	1,696
Net interest income	$9,029,000	1,395
Provision for loan and lease losses	$260,000	2,178
Total noninterest income	$1,559,000	1,586
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$707,000	706
Trading account gains and fees	$0	123
Additional Noninterest Income	$852,000	1,832
Total noninterest expense	$6,517,000	1,553
Salaries and employee benefits	$2,849,000	1,945
Premises and equipment expense	$883,000	1,314
Additional noninterest expense	$2,785,000	1,139
Pre-tax net operating income	$3,811,000	1,204
Securities gains (losses)	$0	2,249
Applicable income taxes	$789,000	995
Income before extraordinary items	$3,022,000	1,302
Extraordinary gains, net	$0	4
Net income	$3,022,000	1,302
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,022,000	1,302
Net charge-offs	$86,000	1,435
Cash dividends	$1,000,000	1,313
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$3,022,000	1,260
2020-03-31 (YTD Data)		Rank
Total interest income	$5,241,000	1,453
Total interest expense	$822,000	1,657
Net interest income	$4,419,000	1,390
Provision for loan and lease losses	$60,000	2,352
Total noninterest income	$851,000	1,427
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$432,000	692
Trading account gains and fees	$0	106
Additional Noninterest Income	$419,000	1,682
Total noninterest expense	$3,210,000	1,593
Salaries and employee benefits	$1,429,000	1,957
Premises and equipment expense	$432,000	1,347
Additional noninterest expense	$1,349,000	1,184
Pre-tax net operating income	$2,000,000	1,035
Securities gains (losses)	$0	1,705
Applicable income taxes	$417,000	846
Income before extraordinary items	$1,583,000	1,140
Extraordinary gains, net	$0	4
Net income	$1,583,000	1,139
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,583,000	1,140
Net charge-offs	$72,000	1,035
Cash dividends	$1,000,000	802
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,583,000	1,115
2019-12-31 (YTD Data)		Rank
Total interest income	$19,535,000	1,548
Total interest expense	$3,049,000	1,782
Net interest income	$16,486,000	1,464
Provision for loan and lease losses	$-185,000	5,025
Total noninterest income	$2,734,000	1,662
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,705,000	727
Trading account gains and fees	$0	135
Additional Noninterest Income	$1,029,000	2,217
Total noninterest expense	$11,812,000	1,670
Salaries and employee benefits	$5,382,000	2,001
Premises and equipment expense	$1,510,000	1,490
Additional noninterest expense	$4,920,000	1,264
Pre-tax net operating income	$7,593,000	1,274
Securities gains (losses)	$16,000	1,722
Applicable income taxes	$1,597,000	1,061
Income before extraordinary items	$6,012,000	1,383
Extraordinary gains, net	$0	11
Net income	$6,012,000	1,386
Minority interest net income	$0	76
Net income of bank and minority interests.	$6,012,000	1,386
Net charge-offs	$321,000	1,313
Cash dividends	$1,000,000	2,317
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$5,999,360	1,354
2019-09-30 (YTD Data)		Rank
Total interest income	$14,237,000	1,604
Total interest expense	$2,204,000	1,852
Net interest income	$12,033,000	1,525
Provision for loan and lease losses	$-5,000	5,030
Total noninterest income	$2,300,000	1,538
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$1,217,000	752
Trading account gains and fees	$0	129
Additional Noninterest Income	$1,083,000	1,822
Total noninterest expense	$8,650,000	1,713
Salaries and employee benefits	$3,918,000	2,049
Premises and equipment expense	$1,103,000	1,537
Additional noninterest expense	$3,629,000	1,283
Pre-tax net operating income	$5,688,000	1,317
Securities gains (losses)	$16,000	1,515
Applicable income taxes	$1,187,000	1,101
Income before extraordinary items	$4,517,000	1,406
Extraordinary gains, net	$0	11
Net income	$4,517,000	1,406
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,517,000	1,408
Net charge-offs	$264,000	1,110
Cash dividends	$1,000,000	1,800
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$4,504,360	1,381
2019-06-30 (YTD Data)		Rank
Total interest income	$9,486,000	1,605
Total interest expense	$1,418,000	1,874
Net interest income	$8,068,000	1,517
Provision for loan and lease losses	$35,000	2,987
Total noninterest income	$1,447,000	1,566
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$770,000	782
Trading account gains and fees	$0	131
Additional Noninterest Income	$677,000	1,886
Total noninterest expense	$5,764,000	1,721
Salaries and employee benefits	$2,595,000	2,062
Premises and equipment expense	$735,000	1,543
Additional noninterest expense	$2,434,000	1,295
Pre-tax net operating income	$3,716,000	1,313
Securities gains (losses)	$0	1,702
Applicable income taxes	$773,000	1,091
Income before extraordinary items	$2,943,000	1,410
Extraordinary gains, net	$0	11
Net income	$2,943,000	1,409
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,943,000	1,410
Net charge-offs	$166,000	1,111
Cash dividends	$1,000,000	1,417
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,943,000	1,388
2019-03-31 (YTD Data)		Rank
Total interest income	$4,646,000	1,627
Total interest expense	$649,000	1,948
Net interest income	$3,997,000	1,530
Provision for loan and lease losses	$95,000	1,516
Total noninterest income	$709,000	1,555
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$375,000	791
Trading account gains and fees	$0	126
Additional Noninterest Income	$334,000	1,853
Total noninterest expense	$2,877,000	1,726
Salaries and employee benefits	$1,248,000	2,138
Premises and equipment expense	$358,000	1,600
Additional noninterest expense	$1,271,000	1,230
Pre-tax net operating income	$1,734,000	1,352
Securities gains (losses)	$0	1,087
Applicable income taxes	$355,000	1,136
Income before extraordinary items	$1,379,000	1,446
Extraordinary gains, net	$0	5
Net income	$1,379,000	1,445
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,379,000	1,445
Net charge-offs	$140,000	760
Cash dividends	$1,000,000	809
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,379,000	1,423
2018-12-31 (YTD Data)		Rank
Total interest income	$17,227,000	1,650
Total interest expense	$1,612,000	2,239
Net interest income	$15,615,000	1,542
Provision for loan and lease losses	$525,000	1,410
Total noninterest income	$3,060,000	1,523
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,658,000	755
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,402,000	1,874
Total noninterest expense	$11,010,000	1,753
Salaries and employee benefits	$4,789,000	2,170
Premises and equipment expense	$1,301,000	1,692
Additional noninterest expense	$4,920,000	1,257
Pre-tax net operating income	$7,140,000	1,325
Securities gains (losses)	$0	1,125
Applicable income taxes	$1,494,000	1,050
Income before extraordinary items	$5,646,000	1,431
Extraordinary gains, net	$0	6
Net income	$5,646,000	1,431
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,646,000	1,430
Net charge-offs	$259,000	1,437
Cash dividends	$4,815,000	769
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$5,646,000	1,423
2018-09-30 (YTD Data)		Rank
Total interest income	$12,635,000	1,667
Total interest expense	$1,101,000	2,300
Net interest income	$11,534,000	1,559
Provision for loan and lease losses	$375,000	1,376
Total noninterest income	$2,421,000	1,476
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,239,000	751
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,182,000	1,760
Total noninterest expense	$8,335,000	1,738
Salaries and employee benefits	$3,569,000	2,179
Premises and equipment expense	$973,000	1,721
Additional noninterest expense	$3,793,000	1,227
Pre-tax net operating income	$5,245,000	1,366
Securities gains (losses)	$0	1,118
Applicable income taxes	$1,091,000	1,092
Income before extraordinary items	$4,154,000	1,457
Extraordinary gains, net	$0	5
Net income	$4,154,000	1,457
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,154,000	1,456
Net charge-offs	$162,000	1,382
Cash dividends	$3,065,000	766
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$4,154,000	1,442
2018-06-30 (YTD Data)		Rank
Total interest income	$8,260,000	1,683
Total interest expense	$672,000	2,356
Net interest income	$7,588,000	1,574
Provision for loan and lease losses	$300,000	1,165
Total noninterest income	$1,603,000	1,494
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$816,000	753
Trading account gains and fees	$0	130
Additional Noninterest Income	$787,000	1,754
Total noninterest expense	$5,501,000	1,762
Salaries and employee benefits	$2,339,000	2,216
Premises and equipment expense	$609,000	1,817
Additional noninterest expense	$2,553,000	1,225
Pre-tax net operating income	$3,390,000	1,379
Securities gains (losses)	$0	961
Applicable income taxes	$706,000	1,117
Income before extraordinary items	$2,684,000	1,479
Extraordinary gains, net	$0	6
Net income	$2,684,000	1,478
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,684,000	1,478
Net charge-offs	$78,000	1,481
Cash dividends	$2,015,000	756
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,684,000	1,462
2018-03-31 (YTD Data)		Rank
Total interest income	$4,044,000	1,696
Total interest expense	$308,000	2,419
Net interest income	$3,736,000	1,593
Provision for loan and lease losses	$150,000	1,106
Total noninterest income	$782,000	1,505
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$414,000	749
Trading account gains and fees	$0	123
Additional Noninterest Income	$368,000	1,798
Total noninterest expense	$2,738,000	1,781
Salaries and employee benefits	$1,117,000	2,307
Premises and equipment expense	$306,000	1,840
Additional noninterest expense	$1,315,000	1,189
Pre-tax net operating income	$1,630,000	1,401
Securities gains (losses)	$0	735
Applicable income taxes	$340,000	1,122
Income before extraordinary items	$1,290,000	1,496
Extraordinary gains, net	$0	7
Net income	$1,290,000	1,496
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,290,000	1,496
Net charge-offs	$24,000	1,574
Cash dividends	$1,050,000	680
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,290,000	1,486
2017-12-31 (YTD Data)		Rank
Total interest income	$15,978,000	1,659
Total interest expense	$1,158,000	2,297
Net interest income	$14,820,000	1,579
Provision for loan and lease losses	$500,000	1,444
Total noninterest income	$2,956,000	1,604
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,694,000	744
Trading account gains and fees	$0	151
Additional Noninterest Income	$1,262,000	2,015
Total noninterest expense	$9,904,000	1,926
Salaries and employee benefits	$4,348,000	2,333
Premises and equipment expense	$1,035,000	2,054
Additional noninterest expense	$4,521,000	1,355
Pre-tax net operating income	$7,372,000	1,260
Securities gains (losses)	$0	2,243
Applicable income taxes	$2,872,000	990
Income before extraordinary items	$4,500,000	1,470
Extraordinary gains, net	$0	9
Net income	$4,500,000	1,469
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,500,000	1,470
Net charge-offs	$416,000	1,221
Cash dividends	$3,515,000	905
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$4,500,000	1,455
2017-09-30 (YTD Data)		Rank
Total interest income	$11,886,000	1,673
Total interest expense	$851,000	2,309
Net interest income	$11,035,000	1,583
Provision for loan and lease losses	$500,000	1,144
Total noninterest income	$2,348,000	1,547
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$1,254,000	753
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,094,000	1,877
Total noninterest expense	$7,508,000	1,910
Salaries and employee benefits	$3,265,000	2,336
Premises and equipment expense	$749,000	2,122
Additional noninterest expense	$3,494,000	1,311
Pre-tax net operating income	$5,375,000	1,305
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,866,000	960
Income before extraordinary items	$3,509,000	1,519
Extraordinary gains, net	$0	9
Net income	$3,509,000	1,518
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,509,000	1,519
Net charge-offs	$160,000	1,557
Cash dividends	$2,615,000	853
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,509,000	1,502
2017-06-30 (YTD Data)		Rank
Total interest income	$7,879,000	1,666
Total interest expense	$553,000	2,305
Net interest income	$7,326,000	1,577
Provision for loan and lease losses	$350,000	1,079
Total noninterest income	$1,546,000	1,565
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$824,000	747
Trading account gains and fees	$0	139
Additional Noninterest Income	$722,000	1,892
Total noninterest expense	$4,997,000	1,913
Salaries and employee benefits	$2,184,000	2,354
Premises and equipment expense	$505,000	2,104
Additional noninterest expense	$2,308,000	1,324
Pre-tax net operating income	$3,525,000	1,311
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,225,000	957
Income before extraordinary items	$2,300,000	1,523
Extraordinary gains, net	$0	11
Net income	$2,300,000	1,523
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,300,000	1,523
Net charge-offs	$106,000	1,471
Cash dividends	$1,750,000	852
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,300,000	1,512
2017-03-31 (YTD Data)		Rank
Total interest income	$3,908,000	1,669
Total interest expense	$269,000	2,338
Net interest income	$3,639,000	1,580
Provision for loan and lease losses	$150,000	1,115
Total noninterest income	$769,000	1,564
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$409,000	759
Trading account gains and fees	$0	142
Additional Noninterest Income	$360,000	1,859
Total noninterest expense	$2,422,000	1,987
Salaries and employee benefits	$1,054,000	2,435
Premises and equipment expense	$247,000	2,171
Additional noninterest expense	$1,121,000	1,358
Pre-tax net operating income	$1,836,000	1,262
Securities gains (losses)	$0	1,153
Applicable income taxes	$639,000	914
Income before extraordinary items	$1,197,000	1,470
Extraordinary gains, net	$0	8
Net income	$1,197,000	1,470
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,197,000	1,470
Net charge-offs	$83,000	1,039
Cash dividends	$900,000	798
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,197,000	1,453
2016-12-31 (YTD Data)		Rank
Total interest income	$15,252,000	1,655
Total interest expense	$932,000	2,537
Net interest income	$14,320,000	1,558
Provision for loan and lease losses	$540,000	1,398
Total noninterest income	$2,818,000	1,719
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$1,674,000	762
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,144,000	2,235
Total noninterest expense	$9,615,000	1,974
Salaries and employee benefits	$4,350,000	2,349
Premises and equipment expense	$976,000	2,196
Additional noninterest expense	$4,289,000	1,431
Pre-tax net operating income	$6,983,000	1,248
Securities gains (losses)	$0	3,212
Applicable income taxes	$2,436,000	914
Income before extraordinary items	$4,547,000	1,496
Extraordinary gains, net	$0	5
Net income	$4,547,000	1,495
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,547,000	1,495
Net charge-offs	$359,000	1,363
Cash dividends	$3,425,000	928
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,547,000	1,465
2016-09-30 (YTD Data)		Rank
Total interest income	$11,331,000	1,671
Total interest expense	$671,000	2,603
Net interest income	$10,660,000	1,571
Provision for loan and lease losses	$405,000	1,341
Total noninterest income	$2,036,000	1,759
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,245,000	768
Trading account gains and fees	$0	169
Additional Noninterest Income	$791,000	2,336
Total noninterest expense	$7,260,000	1,968
Salaries and employee benefits	$3,302,000	2,308
Premises and equipment expense	$730,000	2,199
Additional noninterest expense	$3,228,000	1,440
Pre-tax net operating income	$5,031,000	1,314
Securities gains (losses)	$0	3,160
Applicable income taxes	$1,754,000	957
Income before extraordinary items	$3,277,000	1,559
Extraordinary gains, net	$0	5
Net income	$3,277,000	1,558
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,277,000	1,559
Net charge-offs	$122,000	1,885
Cash dividends	$2,600,000	852
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$3,277,000	1,524
2016-06-30 (YTD Data)		Rank
Total interest income	$7,423,000	1,715
Total interest expense	$427,000	2,708
Net interest income	$6,996,000	1,601
Provision for loan and lease losses	$270,000	1,354
Total noninterest income	$1,528,000	1,604
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$799,000	787
Trading account gains and fees	$0	157
Additional Noninterest Income	$729,000	1,902
Total noninterest expense	$4,810,000	1,986
Salaries and employee benefits	$2,213,000	2,312
Premises and equipment expense	$477,000	2,227
Additional noninterest expense	$2,120,000	1,459
Pre-tax net operating income	$3,444,000	1,272
Securities gains (losses)	$0	2,835
Applicable income taxes	$1,202,000	938
Income before extraordinary items	$2,242,000	1,524
Extraordinary gains, net	$0	16
Net income	$2,242,000	1,523
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,242,000	1,524
Net charge-offs	$22,000	2,715
Cash dividends	$1,650,000	894
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,242,000	1,480
2016-03-31 (YTD Data)		Rank
Total interest income	$3,664,000	1,734
Total interest expense	$217,000	2,692
Net interest income	$3,447,000	1,630
Provision for loan and lease losses	$135,000	1,285
Total noninterest income	$717,000	1,650
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$387,000	801
Trading account gains and fees	$0	142
Additional Noninterest Income	$330,000	1,980
Total noninterest expense	$2,376,000	2,011
Salaries and employee benefits	$1,063,000	2,396
Premises and equipment expense	$249,000	2,155
Additional noninterest expense	$1,064,000	1,439
Pre-tax net operating income	$1,653,000	1,294
Securities gains (losses)	$0	2,077
Applicable income taxes	$578,000	957
Income before extraordinary items	$1,075,000	1,525
Extraordinary gains, net	$0	12
Net income	$1,075,000	1,526
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,075,000	1,526
Net charge-offs	$15,000	2,144
Cash dividends	$750,000	911
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,075,000	1,491
2015-12-31 (YTD Data)		Rank
Total interest income	$14,336,000	1,732
Total interest expense	$976,000	2,457
Net interest income	$13,360,000	1,644
Provision for loan and lease losses	$90,000	3,155
Total noninterest income	$2,628,000	1,769
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$1,642,000	788
Trading account gains and fees	$0	159
Additional Noninterest Income	$986,000	2,381
Total noninterest expense	$9,974,000	1,897
Salaries and employee benefits	$4,569,000	2,214
Premises and equipment expense	$1,046,000	2,108
Additional noninterest expense	$4,359,000	1,420
Pre-tax net operating income	$5,924,000	1,379
Securities gains (losses)	$0	3,216
Applicable income taxes	$2,041,000	995
Income before extraordinary items	$3,883,000	1,638
Extraordinary gains, net	$0	23
Net income	$3,883,000	1,640
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,883,000	1,640
Net charge-offs	$178,000	2,091
Cash dividends	$2,865,000	1,023
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,883,000	1,608
2015-09-30 (YTD Data)		Rank
Total interest income	$10,780,000	1,737
Total interest expense	$736,000	2,478
Net interest income	$10,044,000	1,650
Provision for loan and lease losses	$40,000	3,461
Total noninterest income	$2,129,000	1,677
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$1,220,000	799
Trading account gains and fees	$0	153
Additional Noninterest Income	$909,000	2,147
Total noninterest expense	$7,537,000	1,885
Salaries and employee benefits	$3,443,000	2,208
Premises and equipment expense	$792,000	2,122
Additional noninterest expense	$3,302,000	1,416
Pre-tax net operating income	$4,596,000	1,365
Securities gains (losses)	$0	3,031
Applicable income taxes	$1,584,000	992
Income before extraordinary items	$3,012,000	1,620
Extraordinary gains, net	$0	21
Net income	$3,012,000	1,620
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,012,000	1,622
Net charge-offs	$91,000	2,261
Cash dividends	$2,215,000	903
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$3,012,000	1,580
2015-06-30 (YTD Data)		Rank
Total interest income	$7,152,000	1,752
Total interest expense	$492,000	2,484
Net interest income	$6,660,000	1,665
Provision for loan and lease losses	$25,000	3,365
Total noninterest income	$1,362,000	1,726
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$785,000	820
Trading account gains and fees	$0	157
Additional Noninterest Income	$577,000	2,245
Total noninterest expense	$5,030,000	1,894
Salaries and employee benefits	$2,342,000	2,192
Premises and equipment expense	$517,000	2,166
Additional noninterest expense	$2,171,000	1,439
Pre-tax net operating income	$2,967,000	1,390
Securities gains (losses)	$0	2,636
Applicable income taxes	$1,022,000	1,017
Income before extraordinary items	$1,945,000	1,651
Extraordinary gains, net	$0	22
Net income	$1,945,000	1,655
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,945,000	1,655
Net charge-offs	$63,000	2,134
Cash dividends	$1,440,000	927
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,945,000	1,607
2015-03-31 (YTD Data)		Rank
Total interest income	$3,559,000	1,749
Total interest expense	$244,000	2,528
Net interest income	$3,315,000	1,669
Provision for loan and lease losses	$-110,000	6,214
Total noninterest income	$617,000	1,839
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$378,000	823
Trading account gains and fees	$0	152
Additional Noninterest Income	$239,000	2,414
Total noninterest expense	$2,504,000	1,896
Salaries and employee benefits	$1,137,000	2,267
Premises and equipment expense	$264,000	2,148
Additional noninterest expense	$1,103,000	1,400
Pre-tax net operating income	$1,538,000	1,304
Securities gains (losses)	$0	2,027
Applicable income taxes	$524,000	983
Income before extraordinary items	$1,014,000	1,574
Extraordinary gains, net	$0	13
Net income	$1,014,000	1,575
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,014,000	1,576
Net charge-offs	$57,000	1,460
Cash dividends	$700,000	860
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,014,000	1,517
2014-12-31 (YTD Data)		Rank
Total interest income	$14,368,000	1,749
Total interest expense	$1,024,000	2,537
Net interest income	$13,344,000	1,655
Provision for loan and lease losses	$-42,000	5,948
Total noninterest income	$2,966,000	1,587
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,668,000	807
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,298,000	1,966
Total noninterest expense	$9,878,000	1,914
Salaries and employee benefits	$4,748,000	2,150
Premises and equipment expense	$1,026,000	2,197
Additional noninterest expense	$4,104,000	1,524
Pre-tax net operating income	$6,474,000	1,233
Securities gains (losses)	$28,000	2,114
Applicable income taxes	$2,224,000	907
Income before extraordinary items	$4,278,000	1,494
Extraordinary gains, net	$0	17
Net income	$4,278,000	1,492
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,278,000	1,493
Net charge-offs	$294,000	2,043
Cash dividends	$4,765,000	632
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,259,520	1,478
2014-09-30 (YTD Data)		Rank
Total interest income	$10,743,000	1,763
Total interest expense	$770,000	2,576
Net interest income	$9,973,000	1,665
Provision for loan and lease losses	$-162,000	6,248
Total noninterest income	$2,215,000	1,588
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$1,216,000	832
Trading account gains and fees	$0	174
Additional Noninterest Income	$999,000	1,933
Total noninterest expense	$7,234,000	1,962
Salaries and employee benefits	$3,450,000	2,214
Premises and equipment expense	$778,000	2,194
Additional noninterest expense	$3,006,000	1,557
Pre-tax net operating income	$5,116,000	1,194
Securities gains (losses)	$28,000	1,816
Applicable income taxes	$1,754,000	885
Income before extraordinary items	$3,390,000	1,421
Extraordinary gains, net	$0	15
Net income	$3,390,000	1,420
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,390,000	1,421
Net charge-offs	$201,000	1,984
Cash dividends	$2,525,000	775
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$3,371,520	1,402
2014-06-30 (YTD Data)		Rank
Total interest income	$7,148,000	1,754
Total interest expense	$517,000	2,579
Net interest income	$6,631,000	1,663
Provision for loan and lease losses	$-182,000	6,396
Total noninterest income	$1,414,000	1,615
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$790,000	844
Trading account gains and fees	$0	172
Additional Noninterest Income	$624,000	2,001
Total noninterest expense	$4,797,000	1,978
Salaries and employee benefits	$2,271,000	2,243
Premises and equipment expense	$525,000	2,177
Additional noninterest expense	$2,001,000	1,558
Pre-tax net operating income	$3,430,000	1,160
Securities gains (losses)	$0	2,580
Applicable income taxes	$1,170,000	862
Income before extraordinary items	$2,260,000	1,382
Extraordinary gains, net	$0	20
Net income	$2,260,000	1,382
Minority interest net income	$0	80
Net income of bank and minority interests.	$2,260,000	1,384
Net charge-offs	$163,000	1,769
Cash dividends	$1,725,000	737
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$2,260,000	1,364
2014-03-31 (YTD Data)		Rank
Total interest income	$3,661,000	1,699
Total interest expense	$261,000	2,592
Net interest income	$3,400,000	1,612
Provision for loan and lease losses	$-165,000	6,550
Total noninterest income	$665,000	1,653
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$386,000	846
Trading account gains and fees	$0	147
Additional Noninterest Income	$279,000	2,105
Total noninterest expense	$2,259,000	2,103
Salaries and employee benefits	$1,038,000	2,420
Premises and equipment expense	$253,000	2,289
Additional noninterest expense	$968,000	1,594
Pre-tax net operating income	$1,971,000	984
Securities gains (losses)	$0	1,715
Applicable income taxes	$666,000	749
Income before extraordinary items	$1,305,000	1,173
Extraordinary gains, net	$0	16
Net income	$1,305,000	1,174
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,305,000	1,174
Net charge-offs	$18,000	2,548
Cash dividends	$900,000	664
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,305,000	1,155
2013-12-31 (YTD Data)		Rank
Total interest income	$14,398,000	1,731
Total interest expense	$1,321,000	2,397
Net interest income	$13,077,000	1,648
Provision for loan and lease losses	$-275,000	6,502
Total noninterest income	$2,826,000	1,678
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,736,000	797
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,090,000	2,265
Total noninterest expense	$8,794,000	2,149
Salaries and employee benefits	$4,017,000	2,469
Premises and equipment expense	$869,000	2,540
Additional noninterest expense	$3,908,000	1,648
Pre-tax net operating income	$7,384,000	1,035
Securities gains (losses)	$344,000	622
Applicable income taxes	$2,647,000	730
Income before extraordinary items	$5,081,000	1,205
Extraordinary gains, net	$0	29
Net income	$5,081,000	1,207
Minority interest net income	$0	90
Net income of bank and minority interests.	$5,081,000	1,208
Net charge-offs	$-84,000	6,497
Cash dividends	$3,925,000	710
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$4,853,960	1,234
2013-09-30 (YTD Data)		Rank
Total interest income	$10,807,000	1,737
Total interest expense	$1,035,000	2,381
Net interest income	$9,772,000	1,664
Provision for loan and lease losses	$-25,000	6,477
Total noninterest income	$2,328,000	1,604
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$1,304,000	808
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,024,000	2,015
Total noninterest expense	$6,554,000	2,151
Salaries and employee benefits	$2,966,000	2,509
Premises and equipment expense	$668,000	2,501
Additional noninterest expense	$2,920,000	1,649
Pre-tax net operating income	$5,571,000	1,044
Securities gains (losses)	$0	3,040
Applicable income taxes	$1,911,000	768
Income before extraordinary items	$3,660,000	1,255
Extraordinary gains, net	$0	25
Net income	$3,660,000	1,255
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,660,000	1,257
Net charge-offs	$-211,000	6,734
Cash dividends	$2,675,000	700
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,660,000	1,228
2013-06-30 (YTD Data)		Rank
Total interest income	$7,179,000	1,742
Total interest expense	$716,000	2,346
Net interest income	$6,463,000	1,669
Provision for loan and lease losses	$-25,000	6,596
Total noninterest income	$1,498,000	1,648
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$839,000	821
Trading account gains and fees	$0	157
Additional Noninterest Income	$659,000	2,105
Total noninterest expense	$4,406,000	2,133
Salaries and employee benefits	$1,983,000	2,517
Premises and equipment expense	$436,000	2,562
Additional noninterest expense	$1,987,000	1,611
Pre-tax net operating income	$3,580,000	1,051
Securities gains (losses)	$0	2,791
Applicable income taxes	$1,221,000	789
Income before extraordinary items	$2,359,000	1,285
Extraordinary gains, net	$0	22
Net income	$2,359,000	1,288
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,359,000	1,288
Net charge-offs	$-258,000	6,831
Cash dividends	$1,675,000	729
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$2,359,000	1,231
2013-03-31 (YTD Data)		Rank
Total interest income	$3,645,000	1,734
Total interest expense	$370,000	2,354
Net interest income	$3,275,000	1,652
Provision for loan and lease losses	$75,000	2,354
Total noninterest income	$727,000	1,680
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$401,000	840
Trading account gains and fees	$0	148
Additional Noninterest Income	$326,000	2,119
Total noninterest expense	$2,144,000	2,214
Salaries and employee benefits	$956,000	2,617
Premises and equipment expense	$219,000	2,584
Additional noninterest expense	$969,000	1,654
Pre-tax net operating income	$1,783,000	1,026
Securities gains (losses)	$0	1,966
Applicable income taxes	$602,000	776
Income before extraordinary items	$1,181,000	1,267
Extraordinary gains, net	$0	10
Net income	$1,181,000	1,269
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,181,000	1,269
Net charge-offs	$-265,000	6,937
Cash dividends	$825,000	648
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$1,181,000	1,210
2012-12-31 (YTD Data)		Rank
Total interest income	$16,342,000	1,624
Total interest expense	$1,873,000	2,251
Net interest income	$14,469,000	1,517
Provision for loan and lease losses	$650,000	2,345
Total noninterest income	$2,905,000	1,676
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$1,792,000	791
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,113,000	2,247
Total noninterest expense	$9,842,000	1,948
Salaries and employee benefits	$4,421,000	2,245
Premises and equipment expense	$869,000	2,567
Additional noninterest expense	$4,552,000	1,480
Pre-tax net operating income	$6,882,000	1,036
Securities gains (losses)	$0	3,810
Applicable income taxes	$2,331,000	769
Income before extraordinary items	$4,551,000	1,294
Extraordinary gains, net	$0	29
Net income	$4,551,000	1,295
Minority interest net income	$0	93
Net income of bank and minority interests.	$4,551,000	1,295
Net charge-offs	$663,000	2,285
Cash dividends	$3,540,000	759
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$4,551,000	1,237
2012-09-30 (YTD Data)		Rank
Total interest income	$12,694,000	1,606
Total interest expense	$1,458,000	2,263
Net interest income	$11,236,000	1,486
Provision for loan and lease losses	$515,000	2,232
Total noninterest income	$2,291,000	1,618
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$1,327,000	802
Trading account gains and fees	$0	157
Additional Noninterest Income	$964,000	2,039
Total noninterest expense	$7,448,000	1,926
Salaries and employee benefits	$3,400,000	2,193
Premises and equipment expense	$657,000	2,561
Additional noninterest expense	$3,391,000	1,497
Pre-tax net operating income	$5,564,000	976
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,888,000	744
Income before extraordinary items	$3,676,000	1,223
Extraordinary gains, net	$0	20
Net income	$3,676,000	1,223
Minority interest net income	$0	86
Net income of bank and minority interests.	$3,676,000	1,224
Net charge-offs	$163,000	3,507
Cash dividends	$2,715,000	603
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$3,676,000	1,154
2012-06-30 (YTD Data)		Rank
Total interest income	$5,200,000	2,540
Total interest expense	$573,000	3,504
Net interest income	$4,627,000	2,357
Provision for loan and lease losses	$210,000	2,897
Total noninterest income	$1,040,000	2,107
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$583,000	1,208
Trading account gains and fees	$0	153
Additional Noninterest Income	$457,000	2,453
Total noninterest expense	$3,053,000	3,015
Salaries and employee benefits	$1,317,000	3,473
Premises and equipment expense	$249,000	3,876
Additional noninterest expense	$1,487,000	2,178
Pre-tax net operating income	$2,404,000	1,447
Securities gains (losses)	$0	3,178
Applicable income taxes	$815,000	1,046
Income before extraordinary items	$1,589,000	1,797
Extraordinary gains, net	$0	19
Net income	$1,589,000	1,794
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,589,000	1,797
Net charge-offs	$73,000	3,710
Cash dividends	$1,200,000	824
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,589,000	1,713
2012-03-31 (YTD Data)		Rank
Total interest income	$2,986,000	2,263
Total interest expense	$296,000	3,539
Net interest income	$2,690,000	2,050
Provision for loan and lease losses	$105,000	2,781
Total noninterest income	$498,000	2,153
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$281,000	1,255
Trading account gains and fees	$0	148
Additional Noninterest Income	$217,000	2,544
Total noninterest expense	$1,606,000	2,888
Salaries and employee benefits	$648,000	3,545
Premises and equipment expense	$124,000	3,907
Additional noninterest expense	$834,000	1,966
Pre-tax net operating income	$1,477,000	1,182
Securities gains (losses)	$0	2,210
Applicable income taxes	$501,000	880
Income before extraordinary items	$976,000	1,495
Extraordinary gains, net	$0	19
Net income	$976,000	1,496
Minority interest net income	$0	78
Net income of bank and minority interests.	$976,000	1,496
Net charge-offs	$52,000	2,991
Cash dividends	$650,000	708
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$976,000	1,406
2011-12-31 (YTD Data)		Rank
Total interest income	$9,347,000	2,939
Total interest expense	$1,351,000	3,691
Net interest income	$7,996,000	2,734
Provision for loan and lease losses	$393,000	3,785
Total noninterest income	$2,211,000	1,862
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$1,304,000	1,124
Trading account gains and fees	$0	146
Additional Noninterest Income	$907,000	2,279
Total noninterest expense	$6,206,000	2,979
Salaries and employee benefits	$2,610,000	3,439
Premises and equipment expense	$602,000	3,567
Additional noninterest expense	$2,994,000	2,205
Pre-tax net operating income	$3,608,000	1,556
Securities gains (losses)	$18,000	3,129
Applicable income taxes	$1,227,000	1,163
Income before extraordinary items	$2,399,000	1,940
Extraordinary gains, net	$0	29
Net income	$2,399,000	1,940
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,399,000	1,940
Net charge-offs	$225,000	4,158
Cash dividends	$1,775,000	1,067
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,387,120	1,856
2011-09-30 (YTD Data)		Rank
Total interest income	$7,008,000	2,977
Total interest expense	$1,037,000	3,742
Net interest income	$5,971,000	2,754
Provision for loan and lease losses	$288,000	3,674
Total noninterest income	$1,694,000	1,836
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$987,000	1,126
Trading account gains and fees	$0	145
Additional Noninterest Income	$707,000	2,205
Total noninterest expense	$4,813,000	2,895
Salaries and employee benefits	$1,955,000	3,453
Premises and equipment expense	$476,000	3,471
Additional noninterest expense	$2,382,000	2,096
Pre-tax net operating income	$2,564,000	1,696
Securities gains (losses)	$18,000	2,857
Applicable income taxes	$877,000	1,198
Income before extraordinary items	$1,705,000	2,088
Extraordinary gains, net	$0	21
Net income	$1,705,000	2,087
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,705,000	2,088
Net charge-offs	$146,000	4,047
Cash dividends	$1,225,000	978
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,693,120	2,005
2011-06-30 (YTD Data)		Rank
Total interest income	$4,625,000	3,008
Total interest expense	$689,000	3,853
Net interest income	$3,936,000	2,779
Provision for loan and lease losses	$160,000	3,810
Total noninterest income	$1,079,000	1,889
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$647,000	1,132
Trading account gains and fees	$0	153
Additional Noninterest Income	$432,000	2,322
Total noninterest expense	$3,194,000	2,928
Salaries and employee benefits	$1,274,000	3,531
Premises and equipment expense	$309,000	3,575
Additional noninterest expense	$1,611,000	2,100
Pre-tax net operating income	$1,661,000	1,716
Securities gains (losses)	$18,000	2,133
Applicable income taxes	$570,000	1,197
Income before extraordinary items	$1,109,000	2,083
Extraordinary gains, net	$0	15
Net income	$1,109,000	2,083
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,109,000	2,083
Net charge-offs	$103,000	3,807
Cash dividends	$775,000	1,026
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,097,120	2,035
2011-03-31 (YTD Data)		Rank
Total interest income	$2,280,000	3,057
Total interest expense	$340,000	3,991
Net interest income	$1,940,000	2,800
Provision for loan and lease losses	$90,000	3,467
Total noninterest income	$523,000	1,922
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$307,000	1,166
Trading account gains and fees	$0	158
Additional Noninterest Income	$216,000	2,368
Total noninterest expense	$1,566,000	2,991
Salaries and employee benefits	$636,000	3,564
Premises and equipment expense	$154,000	3,623
Additional noninterest expense	$776,000	2,165
Pre-tax net operating income	$807,000	1,770
Securities gains (losses)	$0	1,772
Applicable income taxes	$274,000	1,201
Income before extraordinary items	$533,000	2,139
Extraordinary gains, net	$0	9
Net income	$533,000	2,138
Minority interest net income	$0	86
Net income of bank and minority interests.	$533,000	2,139
Net charge-offs	$0	5,107
Cash dividends	$375,000	971
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$533,000	2,090
2010-12-31 (YTD Data)		Rank
Total interest income	$7,572,000	3,693
Total interest expense	$1,332,000	4,551
Net interest income	$6,240,000	3,376
Provision for loan and lease losses	$425,000	4,377
Total noninterest income	$1,923,000	2,124
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,155,000	1,308
Trading account gains and fees	$0	175
Additional Noninterest Income	$768,000	2,553
Total noninterest expense	$5,216,000	3,486
Salaries and employee benefits	$2,160,000	4,017
Premises and equipment expense	$728,000	3,197
Additional noninterest expense	$2,328,000	2,842
Pre-tax net operating income	$2,522,000	1,875
Securities gains (losses)	$0	3,793
Applicable income taxes	$867,000	1,361
Income before extraordinary items	$1,655,000	2,351
Extraordinary gains, net	$0	29
Net income	$1,655,000	2,349
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,655,000	2,352
Net charge-offs	$169,000	4,935
Cash dividends	$975,000	1,528
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,655,000	2,247
2010-09-30 (YTD Data)		Rank
Total interest income	$5,040,000	4,087
Total interest expense	$981,000	4,746
Net interest income	$4,059,000	3,803
Provision for loan and lease losses	$255,000	4,558
Total noninterest income	$1,314,000	2,298
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$807,000	1,454
Trading account gains and fees	$0	165
Additional Noninterest Income	$507,000	2,733
Total noninterest expense	$3,341,000	3,933
Salaries and employee benefits	$1,481,000	4,307
Premises and equipment expense	$361,000	4,352
Additional noninterest expense	$1,499,000	3,226
Pre-tax net operating income	$1,777,000	2,083
Securities gains (losses)	$0	3,651
Applicable income taxes	$603,000	1,466
Income before extraordinary items	$1,174,000	2,594
Extraordinary gains, net	$0	23
Net income	$1,174,000	2,592
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,174,000	2,596
Net charge-offs	$96,000	4,942
Cash dividends	$575,000	1,611
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,174,000	2,464
2010-06-30 (YTD Data)		Rank
Total interest income	$3,220,000	4,229
Total interest expense	$674,000	4,779
Net interest income	$2,546,000	3,969
Provision for loan and lease losses	$165,000	4,492
Total noninterest income	$822,000	2,334
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$524,000	1,504
Trading account gains and fees	$0	152
Additional Noninterest Income	$298,000	2,847
Total noninterest expense	$2,091,000	4,111
Salaries and employee benefits	$961,000	4,406
Premises and equipment expense	$233,000	4,453
Additional noninterest expense	$897,000	3,487
Pre-tax net operating income	$1,112,000	2,179
Securities gains (losses)	$0	3,184
Applicable income taxes	$377,000	1,498
Income before extraordinary items	$735,000	2,663
Extraordinary gains, net	$0	19
Net income	$735,000	2,658
Minority interest net income	$0	105
Net income of bank and minority interests.	$735,000	2,662
Net charge-offs	$32,000	5,227
Cash dividends	$575,000	1,195
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$735,000	2,565
2010-03-31 (YTD Data)		Rank
Total interest income	$1,617,000	4,296
Total interest expense	$348,000	4,838
Net interest income	$1,269,000	4,009
Provision for loan and lease losses	$65,000	4,501
Total noninterest income	$400,000	2,366
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$240,000	1,618
Trading account gains and fees	$0	175
Additional Noninterest Income	$160,000	2,728
Total noninterest expense	$1,029,000	4,199
Salaries and employee benefits	$476,000	4,487
Premises and equipment expense	$123,000	4,408
Additional noninterest expense	$430,000	3,620
Pre-tax net operating income	$575,000	2,160
Securities gains (losses)	$0	2,284
Applicable income taxes	$195,000	1,451
Income before extraordinary items	$380,000	2,640
Extraordinary gains, net	$0	16
Net income	$380,000	2,638
Minority interest net income	$0	91
Net income of bank and minority interests.	$380,000	2,640
Net charge-offs	$11,000	4,779
Cash dividends	$270,000	1,157
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$380,000	2,539
2009-12-31 (YTD Data)		Rank
Total interest income	$6,629,000	4,336
Total interest expense	$1,563,000	5,074
Net interest income	$5,066,000	3,920
Provision for loan and lease losses	$145,000	6,104
Total noninterest income	$1,627,000	2,428
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,020,000	1,653
Trading account gains and fees	$0	211
Additional Noninterest Income	$607,000	2,884
Total noninterest expense	$4,192,000	4,212
Salaries and employee benefits	$1,955,000	4,434
Premises and equipment expense	$491,000	4,423
Additional noninterest expense	$1,746,000	3,681
Pre-tax net operating income	$2,356,000	1,665
Securities gains (losses)	$0	3,754
Applicable income taxes	$799,000	1,136
Income before extraordinary items	$1,557,000	2,053
Extraordinary gains, net	$0	34
Net income	$1,557,000	2,049
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,557,000	2,051
Net charge-offs	$357,000	4,257
Cash dividends	$1,500,000	1,182
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,557,000	2,022
2009-09-30 (YTD Data)		Rank
Total interest income	$4,983,000	4,382
Total interest expense	$1,202,000	5,144
Net interest income	$3,781,000	3,925
Provision for loan and lease losses	$90,000	6,065
Total noninterest income	$1,210,000	2,487
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$743,000	1,704
Trading account gains and fees	$0	212
Additional Noninterest Income	$467,000	2,922
Total noninterest expense	$3,136,000	4,232
Salaries and employee benefits	$1,458,000	4,468
Premises and equipment expense	$363,000	4,515
Additional noninterest expense	$1,315,000	3,630
Pre-tax net operating income	$1,765,000	1,798
Securities gains (losses)	$0	3,497
Applicable income taxes	$597,000	1,249
Income before extraordinary items	$1,168,000	2,225
Extraordinary gains, net	$0	27
Net income	$1,168,000	2,222
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,168,000	2,225
Net charge-offs	$207,000	4,213
Cash dividends	$900,000	1,363
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,168,000	2,171
2009-06-30 (YTD Data)		Rank
Total interest income	$3,354,000	4,387
Total interest expense	$830,000	5,188
Net interest income	$2,524,000	3,919
Provision for loan and lease losses	$35,000	6,348
Total noninterest income	$799,000	2,516
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$490,000	1,702
Trading account gains and fees	$0	193
Additional Noninterest Income	$309,000	2,955
Total noninterest expense	$2,087,000	4,275
Salaries and employee benefits	$965,000	4,547
Premises and equipment expense	$250,000	4,454
Additional noninterest expense	$872,000	3,643
Pre-tax net operating income	$1,201,000	1,830
Securities gains (losses)	$0	3,136
Applicable income taxes	$406,000	1,253
Income before extraordinary items	$795,000	2,240
Extraordinary gains, net	$0	21
Net income	$795,000	2,237
Minority interest net income	$0	112
Net income of bank and minority interests.	$795,000	2,239
Net charge-offs	$140,000	3,853
Cash dividends	$600,000	1,412
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$795,000	2,183
2009-03-31 (YTD Data)		Rank
Total interest income	$1,691,000	4,401
Total interest expense	$432,000	5,201
Net interest income	$1,259,000	3,913
Provision for loan and lease losses	$15,000	6,043
Total noninterest income	$362,000	2,676
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$231,000	1,751
Trading account gains and fees	$0	171
Additional Noninterest Income	$131,000	3,195
Total noninterest expense	$1,003,000	4,300
Salaries and employee benefits	$484,000	4,580
Premises and equipment expense	$130,000	4,390
Additional noninterest expense	$389,000	3,658
Pre-tax net operating income	$603,000	2,038
Securities gains (losses)	$0	2,434
Applicable income taxes	$204,000	1,431
Income before extraordinary items	$399,000	2,569
Extraordinary gains, net	$0	15
Net income	$399,000	2,568
Minority interest net income	$0	102
Net income of bank and minority interests.	$399,000	2,570
Net charge-offs	$44,000	3,696
Cash dividends	$300,000	1,336
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$399,000	2,427
2008-12-31 (YTD Data)		Rank
Total interest income	$7,363,000	4,354
Total interest expense	$2,212,000	5,067
Net interest income	$5,151,000	3,866
Provision for loan and lease losses	$0	7,334
Total noninterest income	$1,666,000	2,435
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,079,000	1,647
Trading account gains and fees	$0	154
Additional Noninterest Income	$587,000	2,923
Total noninterest expense	$3,937,000	4,291
Salaries and employee benefits	$1,840,000	4,718
Premises and equipment expense	$489,000	4,524
Additional noninterest expense	$1,608,000	3,446
Pre-tax net operating income	$2,880,000	1,870
Securities gains (losses)	$93,000	1,185
Applicable income taxes	$1,005,000	1,197
Income before extraordinary items	$1,968,000	2,021
Extraordinary gains, net	$0	39
Net income	$1,968,000	2,023
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$115,000	4,798
Cash dividends	$1,785,000	1,499
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,906,620	2,198
2008-09-30 (YTD Data)		Rank
Total interest income	$5,592,000	4,383
Total interest expense	$1,707,000	5,118
Net interest income	$3,885,000	3,873
Provision for loan and lease losses	$0	6,991
Total noninterest income	$1,269,000	2,479
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$809,000	1,653
Trading account gains and fees	$0	148
Additional Noninterest Income	$460,000	2,944
Total noninterest expense	$2,955,000	4,267
Salaries and employee benefits	$1,368,000	4,762
Premises and equipment expense	$373,000	4,495
Additional noninterest expense	$1,214,000	3,361
Pre-tax net operating income	$2,199,000	2,145
Securities gains (losses)	$93,000	1,020
Applicable income taxes	$772,000	1,408
Income before extraordinary items	$1,520,000	2,301
Extraordinary gains, net	$0	31
Net income	$1,520,000	2,299
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	4,131
Cash dividends	$1,135,000	1,652
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,458,620	2,482
2008-06-30 (YTD Data)		Rank
Total interest income	$3,761,000	4,422
Total interest expense	$1,193,000	5,145
Net interest income	$2,568,000	3,900
Provision for loan and lease losses	$0	6,671
Total noninterest income	$845,000	2,515
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$502,000	1,747
Trading account gains and fees	$0	149
Additional Noninterest Income	$343,000	2,823
Total noninterest expense	$1,961,000	4,302
Salaries and employee benefits	$896,000	4,855
Premises and equipment expense	$252,000	4,485
Additional noninterest expense	$813,000	3,319
Pre-tax net operating income	$1,452,000	2,266
Securities gains (losses)	$93,000	1,036
Applicable income taxes	$520,000	1,553
Income before extraordinary items	$1,025,000	2,520
Extraordinary gains, net	$0	21
Net income	$1,025,000	2,520
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	3,674
Cash dividends	$730,000	1,806
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$963,620	2,596
2008-03-31 (YTD Data)		Rank
Total interest income	$1,911,000	4,454
Total interest expense	$642,000	5,111
Net interest income	$1,269,000	3,933
Provision for loan and lease losses	$0	6,080
Total noninterest income	$386,000	2,668
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$226,000	1,875
Trading account gains and fees	$0	158
Additional Noninterest Income	$160,000	2,933
Total noninterest expense	$984,000	4,289
Salaries and employee benefits	$450,000	4,887
Premises and equipment expense	$129,000	4,432
Additional noninterest expense	$405,000	3,277
Pre-tax net operating income	$671,000	2,497
Securities gains (losses)	$0	2,688
Applicable income taxes	$226,000	1,811
Income before extraordinary items	$445,000	2,954
Extraordinary gains, net	$0	15
Net income	$445,000	2,956
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	3,215
Cash dividends	$305,000	1,841
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$445,000	2,865
2007-12-31 (YTD Data)		Rank
Total interest income	$7,890,000	4,398
Total interest expense	$2,834,000	4,952
Net interest income	$5,056,000	3,967
Provision for loan and lease losses	$0	6,851
Total noninterest income	$1,505,000	2,711
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$895,000	1,934
Trading account gains and fees	$0	178
Additional Noninterest Income	$610,000	2,975
Total noninterest expense	$3,871,000	4,224
Salaries and employee benefits	$1,786,000	4,768
Premises and equipment expense	$478,000	4,502
Additional noninterest expense	$1,607,000	3,229
Pre-tax net operating income	$2,690,000	2,660
Securities gains (losses)	$0	2,146
Applicable income taxes	$901,000	1,983
Income before extraordinary items	$1,789,000	3,055
Extraordinary gains, net	$0	39
Net income	$1,789,000	3,054
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$165,000	3,101
Cash dividends	$1,340,000	2,188
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,789,000	3,051
2007-09-30 (YTD Data)		Rank
Total interest income	$5,926,000	4,406
Total interest expense	$2,134,000	4,948
Net interest income	$3,792,000	3,974
Provision for loan and lease losses	$0	6,528
Total noninterest income	$1,130,000	2,690
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$669,000	1,933
Trading account gains and fees	$0	184
Additional Noninterest Income	$461,000	2,974
Total noninterest expense	$2,913,000	4,183
Salaries and employee benefits	$1,348,000	4,720
Premises and equipment expense	$368,000	4,408
Additional noninterest expense	$1,197,000	3,203
Pre-tax net operating income	$2,009,000	2,817
Securities gains (losses)	$0	1,655
Applicable income taxes	$673,000	2,135
Income before extraordinary items	$1,336,000	3,222
Extraordinary gains, net	$0	33
Net income	$1,336,000	3,221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$148,000	2,325
Cash dividends	$985,000	2,041
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,336,000	3,207
2007-06-30 (YTD Data)		Rank
Total interest income	$3,969,000	4,416
Total interest expense	$1,415,000	4,965
Net interest income	$2,554,000	3,965
Provision for loan and lease losses	$0	6,209
Total noninterest income	$726,000	2,757
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$448,000	1,922
Trading account gains and fees	$0	168
Additional Noninterest Income	$278,000	3,149
Total noninterest expense	$1,941,000	4,211
Salaries and employee benefits	$911,000	4,708
Premises and equipment expense	$252,000	4,358
Additional noninterest expense	$778,000	3,271
Pre-tax net operating income	$1,339,000	2,896
Securities gains (losses)	$0	1,444
Applicable income taxes	$449,000	2,212
Income before extraordinary items	$890,000	3,277
Extraordinary gains, net	$0	29
Net income	$890,000	3,276
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	3,376
Cash dividends	$655,000	2,055
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$890,000	3,259
2007-03-31 (YTD Data)		Rank
Total interest income	$2,030,000	4,360
Total interest expense	$702,000	4,971
Net interest income	$1,328,000	3,861
Provision for loan and lease losses	$0	5,779
Total noninterest income	$340,000	2,870
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$205,000	2,009
Trading account gains and fees	$0	195
Additional Noninterest Income	$135,000	3,201
Total noninterest expense	$1,000,000	4,146
Salaries and employee benefits	$474,000	4,610
Premises and equipment expense	$129,000	4,299
Additional noninterest expense	$397,000	3,190
Pre-tax net operating income	$668,000	2,896
Securities gains (losses)	$0	1,187
Applicable income taxes	$224,000	2,255
Income before extraordinary items	$444,000	3,266
Extraordinary gains, net	$0	22
Net income	$444,000	3,266
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	2,038
Cash dividends	$325,000	1,898
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$444,000	3,242
2006-12-31 (YTD Data)		Rank
Total interest income	$7,582,000	4,341
Total interest expense	$2,348,000	4,990
Net interest income	$5,234,000	3,880
Provision for loan and lease losses	$-450,000	8,592
Total noninterest income	$1,311,000	2,954
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$876,000	1,966
Trading account gains and fees	$0	130
Additional Noninterest Income	$435,000	3,588
Total noninterest expense	$4,012,000	3,991
Salaries and employee benefits	$1,897,000	4,451
Premises and equipment expense	$557,000	3,976
Additional noninterest expense	$1,558,000	3,199
Pre-tax net operating income	$2,983,000	2,790
Securities gains (losses)	$0	1,687
Applicable income taxes	$995,000	2,203
Income before extraordinary items	$1,988,000	3,113
Extraordinary gains, net	$0	51
Net income	$1,988,000	3,112
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$314,000	1,615
Cash dividends	$1,490,000	1,953
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,988,000	3,103
2006-09-30 (YTD Data)		Rank
Total interest income	$5,612,000	4,365
Total interest expense	$1,688,000	5,020
Net interest income	$3,924,000	3,906
Provision for loan and lease losses	$-450,000	8,662
Total noninterest income	$940,000	3,058
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$661,000	1,945
Trading account gains and fees	$0	126
Additional Noninterest Income	$279,000	3,864
Total noninterest expense	$3,016,000	3,968
Salaries and employee benefits	$1,410,000	4,453
Premises and equipment expense	$425,000	3,942
Additional noninterest expense	$1,181,000	3,183
Pre-tax net operating income	$2,298,000	2,834
Securities gains (losses)	$0	1,388
Applicable income taxes	$767,000	2,263
Income before extraordinary items	$1,531,000	3,158
Extraordinary gains, net	$0	45
Net income	$1,531,000	3,159
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$274,000	1,238
Cash dividends	$1,140,000	1,760
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,531,000	3,150
2006-06-30 (YTD Data)		Rank
Total interest income	$3,698,000	4,340
Total interest expense	$1,081,000	5,019
Net interest income	$2,617,000	3,921
Provision for loan and lease losses	$-450,000	8,707
Total noninterest income	$610,000	3,089
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$430,000	1,971
Trading account gains and fees	$0	126
Additional Noninterest Income	$180,000	3,942
Total noninterest expense	$1,970,000	4,043
Salaries and employee benefits	$924,000	4,529
Premises and equipment expense	$236,000	4,434
Additional noninterest expense	$810,000	3,099
Pre-tax net operating income	$1,707,000	2,610
Securities gains (losses)	$0	1,185
Applicable income taxes	$570,000	2,123
Income before extraordinary items	$1,137,000	2,907
Extraordinary gains, net	$0	39
Net income	$1,137,000	2,909
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	2,422
Cash dividends	$840,000	1,657
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,137,000	2,895
2006-03-31 (YTD Data)		Rank
Total interest income	$1,827,000	4,336
Total interest expense	$519,000	5,004
Net interest income	$1,308,000	3,917
Provision for loan and lease losses	$-250,000	8,719
Total noninterest income	$291,000	3,152
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$201,000	2,036
Trading account gains and fees	$0	115
Additional Noninterest Income	$90,000	3,918
Total noninterest expense	$947,000	4,164
Salaries and employee benefits	$461,000	4,549
Premises and equipment expense	$113,000	4,590
Additional noninterest expense	$373,000	3,306
Pre-tax net operating income	$902,000	2,458
Securities gains (losses)	$0	955
Applicable income taxes	$301,000	2,024
Income before extraordinary items	$601,000	2,736
Extraordinary gains, net	$0	21
Net income	$601,000	2,736
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,616
Cash dividends	$390,000	1,662
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$601,000	2,720
2005-12-31 (YTD Data)		Rank
Total interest income	$6,977,000	4,158
Total interest expense	$1,764,000	4,796
Net interest income	$5,213,000	3,835
Provision for loan and lease losses	$-375,000	8,733
Total noninterest income	$1,185,000	3,171
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$843,000	2,015
Trading account gains and fees	$0	138
Additional Noninterest Income	$342,000	4,070
Total noninterest expense	$4,114,000	3,785
Salaries and employee benefits	$1,865,000	4,351
Premises and equipment expense	$600,000	3,653
Additional noninterest expense	$1,649,000	3,002
Pre-tax net operating income	$2,659,000	3,041
Securities gains (losses)	$0	2,296
Applicable income taxes	$834,000	2,551
Income before extraordinary items	$1,825,000	3,319
Extraordinary gains, net	$0	46
Net income	$1,825,000	3,321
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,000	3,001
Cash dividends	$3,950,000	825
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,825,000	3,288
2005-09-30 (YTD Data)		Rank
Total interest income	$5,100,000	4,178
Total interest expense	$1,269,000	4,784
Net interest income	$3,831,000	3,888
Provision for loan and lease losses	$-125,000	8,717
Total noninterest income	$860,000	3,251
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$602,000	2,101
Trading account gains and fees	$0	126
Additional Noninterest Income	$258,000	4,071
Total noninterest expense	$3,064,000	3,775
Salaries and employee benefits	$1,394,000	4,330
Premises and equipment expense	$399,000	3,977
Additional noninterest expense	$1,271,000	2,890
Pre-tax net operating income	$1,752,000	3,362
Securities gains (losses)	$0	2,317
Applicable income taxes	$543,000	2,809
Income before extraordinary items	$1,209,000	3,644
Extraordinary gains, net	$0	35
Net income	$1,209,000	3,645
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	2,579
Cash dividends	$3,275,000	680
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,209,000	3,616
2005-06-30 (YTD Data)		Rank
Total interest income	$3,330,000	4,177
Total interest expense	$790,000	4,820
Net interest income	$2,540,000	3,873
Provision for loan and lease losses	$20,000	5,646
Total noninterest income	$536,000	3,357
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$367,000	2,224
Trading account gains and fees	$0	116
Additional Noninterest Income	$169,000	4,061
Total noninterest expense	$2,066,000	3,716
Salaries and employee benefits	$935,000	4,287
Premises and equipment expense	$262,000	4,005
Additional noninterest expense	$869,000	2,808
Pre-tax net operating income	$990,000	3,736
Securities gains (losses)	$0	2,146
Applicable income taxes	$301,000	3,104
Income before extraordinary items	$689,000	4,036
Extraordinary gains, net	$0	30
Net income	$689,000	4,038
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	2,311
Cash dividends	$3,025,000	502
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$689,000	3,976
2005-03-31 (YTD Data)		Rank
Total interest income	$1,659,000	4,165
Total interest expense	$369,000	4,906
Net interest income	$1,290,000	3,819
Provision for loan and lease losses	$15,000	4,875
Total noninterest income	$227,000	3,687
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$164,000	2,376
Trading account gains and fees	$0	115
Additional Noninterest Income	$63,000	4,679
Total noninterest expense	$1,001,000	3,843
Salaries and employee benefits	$455,000	4,408
Premises and equipment expense	$141,000	3,820
Additional noninterest expense	$405,000	2,980
Pre-tax net operating income	$501,000	3,675
Securities gains (losses)	$0	1,685
Applicable income taxes	$152,000	3,074
Income before extraordinary items	$349,000	3,970
Extraordinary gains, net	$0	24
Net income	$349,000	3,972
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	2,501
Cash dividends	$3,025,000	254
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$349,000	3,922
2004-12-31 (YTD Data)		Rank
Total interest income	$5,409,000	4,592
Total interest expense	$1,062,000	5,491
Net interest income	$4,347,000	4,226
Provision for loan and lease losses	$36,000	6,265
Total noninterest income	$700,000	4,390
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$506,000	3,124
Trading account gains and fees	$0	138
Additional Noninterest Income	$194,000	5,170
Total noninterest expense	$3,036,000	4,615
Salaries and employee benefits	$1,536,000	4,864
Premises and equipment expense	$356,000	5,149
Additional noninterest expense	$1,144,000	3,899
Pre-tax net operating income	$1,975,000	3,531
Securities gains (losses)	$91,000	1,309
Applicable income taxes	$702,000	2,756
Income before extraordinary items	$1,364,000	3,864
Extraordinary gains, net	$0	34
Net income	$1,364,000	3,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$297,000	2,007
Cash dividends	$975,000	2,398
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,303,940	3,919
2004-09-30 (YTD Data)		Rank
Total interest income	$4,063,000	4,568
Total interest expense	$787,000	5,492
Net interest income	$3,276,000	4,195
Provision for loan and lease losses	$25,000	6,158
Total noninterest income	$526,000	4,390
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$370,000	3,196
Trading account gains and fees	$0	134
Additional Noninterest Income	$156,000	5,039
Total noninterest expense	$2,288,000	4,565
Salaries and employee benefits	$1,160,000	4,788
Premises and equipment expense	$263,000	5,174
Additional noninterest expense	$865,000	3,849
Pre-tax net operating income	$1,489,000	3,591
Securities gains (losses)	$0	3,710
Applicable income taxes	$505,000	2,882
Income before extraordinary items	$984,000	4,045
Extraordinary gains, net	$0	26
Net income	$984,000	4,045
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$252,000	1,613
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$984,000	3,979
2004-06-30 (YTD Data)		Rank
Total interest income	$2,731,000	4,546
Total interest expense	$517,000	5,552
Net interest income	$2,214,000	4,169
Provision for loan and lease losses	$16,000	6,067
Total noninterest income	$346,000	4,454
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$236,000	3,269
Trading account gains and fees	$0	130
Additional Noninterest Income	$110,000	4,970
Total noninterest expense	$1,532,000	4,594
Salaries and employee benefits	$773,000	4,832
Premises and equipment expense	$177,000	5,163
Additional noninterest expense	$582,000	3,835
Pre-tax net operating income	$1,012,000	3,504
Securities gains (losses)	$0	3,413
Applicable income taxes	$344,000	2,835
Income before extraordinary items	$668,000	3,963
Extraordinary gains, net	$0	21
Net income	$668,000	3,964
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$243,000	1,195
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$668,000	3,883
2004-03-31 (YTD Data)		Rank
Total interest income	$1,389,000	4,512
Total interest expense	$259,000	5,616
Net interest income	$1,130,000	4,098
Provision for loan and lease losses	$9,000	5,706
Total noninterest income	$155,000	4,694
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$110,000	3,351
Trading account gains and fees	$0	121
Additional Noninterest Income	$45,000	5,324
Total noninterest expense	$767,000	4,608
Salaries and employee benefits	$390,000	4,830
Premises and equipment expense	$88,000	5,242
Additional noninterest expense	$289,000	3,853
Pre-tax net operating income	$509,000	3,473
Securities gains (losses)	$0	2,934
Applicable income taxes	$172,000	2,827
Income before extraordinary items	$337,000	3,948
Extraordinary gains, net	$0	16
Net income	$337,000	3,947
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$199,000	814
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$337,000	3,822
2003-12-31 (YTD Data)		Rank
Total interest income	$5,913,000	4,350
Total interest expense	$1,225,000	5,496
Net interest income	$4,688,000	3,874
Provision for loan and lease losses	$405,000	2,563
Total noninterest income	$637,000	4,817
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$450,000	3,372
Trading account gains and fees	$0	160
Additional Noninterest Income	$187,000	5,428
Total noninterest expense	$3,530,000	4,086
Salaries and employee benefits	$1,714,000	4,414
Premises and equipment expense	$392,000	4,785
Additional noninterest expense	$1,424,000	3,232
Pre-tax net operating income	$1,390,000	4,326
Securities gains (losses)	$96,000	1,933
Applicable income taxes	$504,000	3,361
Income before extraordinary items	$982,000	4,689
Extraordinary gains, net	$0	54
Net income	$982,000	4,690
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$894,000	1,008
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$918,640	4,715
2003-09-30 (YTD Data)		Rank
Total interest income	$4,503,000	4,364
Total interest expense	$942,000	5,562
Net interest income	$3,561,000	3,851
Provision for loan and lease losses	$394,000	2,052
Total noninterest income	$472,000	4,891
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$338,000	3,376
Trading account gains and fees	$0	153
Additional Noninterest Income	$134,000	5,555
Total noninterest expense	$2,737,000	3,959
Salaries and employee benefits	$1,331,000	4,295
Premises and equipment expense	$328,000	4,456
Additional noninterest expense	$1,078,000	3,186
Pre-tax net operating income	$902,000	4,821
Securities gains (losses)	$96,000	1,787
Applicable income taxes	$339,000	3,708
Income before extraordinary items	$659,000	5,148
Extraordinary gains, net	$0	40
Net income	$659,000	5,148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$572,000	1,056
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$595,640	5,234
2003-06-30 (YTD Data)		Rank
Total interest income	$3,080,000	4,317
Total interest expense	$648,000	5,581
Net interest income	$2,432,000	3,784
Provision for loan and lease losses	$380,000	1,463
Total noninterest income	$310,000	4,903
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$218,000	3,416
Trading account gains and fees	$0	150
Additional Noninterest Income	$92,000	5,469
Total noninterest expense	$1,915,000	3,817
Salaries and employee benefits	$951,000	4,077
Premises and equipment expense	$227,000	4,353
Additional noninterest expense	$737,000	3,096
Pre-tax net operating income	$447,000	5,595
Securities gains (losses)	$96,000	1,544
Applicable income taxes	$184,000	4,128
Income before extraordinary items	$359,000	5,664
Extraordinary gains, net	$0	30
Net income	$359,000	5,662
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$602,000	751
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$295,640	5,935
2003-03-31 (YTD Data)		Rank
Total interest income	$1,575,000	4,281
Total interest expense	$338,000	5,552
Net interest income	$1,237,000	3,717
Provision for loan and lease losses	$305,000	901
Total noninterest income	$129,000	5,276
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$104,000	3,444
Trading account gains and fees	$0	134
Additional Noninterest Income	$25,000	6,569
Total noninterest expense	$970,000	3,759
Salaries and employee benefits	$494,000	3,937
Premises and equipment expense	$112,000	4,395
Additional noninterest expense	$364,000	3,087
Pre-tax net operating income	$91,000	7,328
Securities gains (losses)	$96,000	1,024
Applicable income taxes	$64,000	4,721
Income before extraordinary items	$123,000	6,508
Extraordinary gains, net	$0	21
Net income	$123,000	6,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$565,000	451
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$59,640	7,554
2002-12-31 (YTD Data)		Rank
Total interest income	$7,385,000	3,881
Total interest expense	$2,084,000	4,662
Net interest income	$5,301,000	3,490
Provision for loan and lease losses	$3,130,000	528
Total noninterest income	$569,000	4,868
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$459,000	3,188
Trading account gains and fees	$0	153
Additional Noninterest Income	$110,000	6,258
Total noninterest expense	$4,288,000	3,359
Salaries and employee benefits	$1,914,000	3,882
Premises and equipment expense	$487,000	4,017
Additional noninterest expense	$1,887,000	2,445
Pre-tax net operating income	$-1,548,000	9,215
Securities gains (losses)	$-111,000	9,139
Applicable income taxes	$-665,000	9,271
Income before extraordinary items	$-994,000	9,178
Extraordinary gains, net	$0	70
Net income	$-994,000	9,177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,748,000	613
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-922,960	9,127
2001-12-31 (YTD Data)		Rank
Total interest income	$9,593,000	3,434
Total interest expense	$4,678,000	3,345
Net interest income	$4,915,000	3,482
Provision for loan and lease losses	$1,313,000	1,007
Total noninterest income	$599,000	4,581
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$355,000	3,717
Trading account gains and fees	$0	177
Additional Noninterest Income	$244,000	4,534
Total noninterest expense	$4,071,000	3,376
Salaries and employee benefits	$1,995,000	3,598
Premises and equipment expense	$486,000	3,980
Additional noninterest expense	$1,590,000	2,731
Pre-tax net operating income	$130,000	8,186
Securities gains (losses)	$0	4,612
Applicable income taxes	$-56,000	9,173
Income before extraordinary items	$186,000	7,828
Extraordinary gains, net	$0	105
Net income	$186,000	7,830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,090,000	887
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$186,000	7,716
2000-12-31 (YTD Data)		Rank
Total interest income	$10,621,000	3,238
Total interest expense	$5,124,000	3,245
Net interest income	$5,497,000	3,205
Provision for loan and lease losses	$1,659,000	705
Total noninterest income	$936,000	3,289
Gross Fiduciary activities income	$3,000	1,285
Service charges on deposit accounts	$332,000	3,753
Trading account gains and fees	$0	180
Additional Noninterest Income	$601,000	2,628
Total noninterest expense	$3,991,000	3,338
Salaries and employee benefits	$1,955,000	3,537
Premises and equipment expense	$511,000	3,726
Additional noninterest expense	$1,525,000	2,770
Pre-tax net operating income	$783,000	5,926
Securities gains (losses)	$-251,000	9,612
Applicable income taxes	$84,000	6,737
Income before extraordinary items	$448,000	6,595
Extraordinary gains, net	$0	38
Net income	$448,000	6,593
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,438,000	584
Cash dividends	$1,275,000	1,883
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$658,840	5,591
1999-12-31 (YTD Data)		Rank
Total interest income	$10,786,000	2,991
Total interest expense	$4,658,000	3,121
Net interest income	$6,128,000	2,870
Provision for loan and lease losses	$1,094,000	908
Total noninterest income	$636,000	4,262
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$355,000	3,532
Trading account gains and fees	$0	173
Additional Noninterest Income	$281,000	4,165
Total noninterest expense	$3,349,000	3,847
Salaries and employee benefits	$1,882,000	3,616
Premises and equipment expense	$478,000	3,920
Additional noninterest expense	$989,000	4,053
Pre-tax net operating income	$2,321,000	2,968
Securities gains (losses)	$0	3,155
Applicable income taxes	$672,000	2,986
Income before extraordinary items	$1,649,000	3,013
Extraordinary gains, net	$0	35
Net income	$1,649,000	3,014
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$884,000	771
Cash dividends	$950,000	2,379
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,649,000	2,977
1998-12-31 (YTD Data)		Rank
Total interest income	$10,346,000	3,128
Total interest expense	$4,776,000	3,132
Net interest income	$5,570,000	3,085
Provision for loan and lease losses	$392,000	2,100
Total noninterest income	$726,000	3,873
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$320,000	3,742
Trading account gains and fees	NA	NA
Additional Noninterest Income	$406,000	3,403
Total noninterest expense	$3,460,000	3,653
Salaries and employee benefits	$1,868,000	3,554
Premises and equipment expense	$452,000	3,994
Additional noninterest expense	$1,140,000	3,519
Pre-tax net operating income	$2,444,000	2,843
Securities gains (losses)	$54,000	1,672
Applicable income taxes	$737,000	2,914
Income before extraordinary items	$1,761,000	2,840
Extraordinary gains, net	$0	32
Net income	$1,761,000	2,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$299,000	1,867
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,723,200	2,809
1997-12-31 (YTD Data)		Rank
Total interest income	$8,898,000	3,612
Total interest expense	$3,814,000	3,852
Net interest income	$5,084,000	3,437
Provision for loan and lease losses	$330,000	2,419
Total noninterest income	$649,000	4,193
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$274,000	4,360
Trading account gains and fees	NA	NA
Additional Noninterest Income	$375,000	3,427
Total noninterest expense	$3,101,000	3,993
Salaries and employee benefits	$1,772,000	3,701
Premises and equipment expense	$416,000	4,318
Additional noninterest expense	$913,000	4,248
Pre-tax net operating income	$2,302,000	3,123
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$684,000	3,292
Income before extraordinary items	$1,619,000	3,125
Extraordinary gains, net	$0	44
Net income	$1,619,000	3,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$203,000	2,528
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,618,300	3,068
1996-12-31 (YTD Data)		Rank
Total interest income	$7,965,000	4,053
Total interest expense	$3,117,000	4,618
Net interest income	$4,848,000	3,632
Provision for loan and lease losses	$284,000	2,698
Total noninterest income	$530,000	4,975
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$245,000	4,897
Trading account gains and fees	NA	NA
Additional Noninterest Income	$285,000	4,206
Total noninterest expense	$2,717,000	4,683
Salaries and employee benefits	$1,573,000	4,130
Premises and equipment expense	$373,000	4,796
Additional noninterest expense	$771,000	5,345
Pre-tax net operating income	$2,377,000	2,923
Securities gains (losses)	$0	4,148
Applicable income taxes	$728,000	3,092
Income before extraordinary items	$1,649,000	2,926
Extraordinary gains, net	$0	53
Net income	$1,649,000	2,927
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,000	2,819
Cash dividends	$200,000	5,388
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,649,000	2,887
1995-12-31 (YTD Data)		Rank
Total interest income	$7,012,000	4,549
Total interest expense	$2,873,000	4,954
Net interest income	$4,139,000	4,193
Provision for loan and lease losses	$17,000	7,866
Total noninterest income	$428,000	5,722
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$229,000	5,202
Trading account gains and fees	NA	NA
Additional Noninterest Income	$199,000	5,150
Total noninterest expense	$2,525,000	4,951
Salaries and employee benefits	$1,419,000	4,508
Premises and equipment expense	$363,000	4,901
Additional noninterest expense	$743,000	5,572
Pre-tax net operating income	$2,025,000	3,457
Securities gains (losses)	$-15,000	10,368
Applicable income taxes	$602,000	3,647
Income before extraordinary items	$1,408,000	3,439
Extraordinary gains, net	$0	65
Net income	$1,408,000	3,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	5,457
Cash dividends	$1,325,000	1,641
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,418,500	3,390
1994-12-31 (YTD Data)		Rank
Total interest income	$6,308,000	4,647
Total interest expense	$2,284,000	5,009
Net interest income	$4,024,000	4,354
Provision for loan and lease losses	$100,000	4,522
Total noninterest income	$364,000	6,497
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$187,000	6,136
Trading account gains and fees	NA	NA
Additional Noninterest Income	$177,000	5,670
Total noninterest expense	$2,436,000	5,271
Salaries and employee benefits	$1,336,000	4,765
Premises and equipment expense	$386,000	4,731
Additional noninterest expense	$714,000	6,218
Pre-tax net operating income	$1,852,000	3,656
Securities gains (losses)	$71,000	951
Applicable income taxes	$494,000	4,087
Income before extraordinary items	$1,429,000	3,303
Extraordinary gains, net	$0	249
Net income	$1,429,000	3,319
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	4,022
Cash dividends	$553,000	2,964
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,376,460	3,445
1993-12-31 (YTD Data)		Rank
Total interest income	$5,948,000	4,989
Total interest expense	$2,230,000	5,314
Net interest income	$3,718,000	4,712
Provision for loan and lease losses	$120,000	5,200
Total noninterest income	$354,000	6,970
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$139,000	7,368
Trading account gains and fees	NA	NA
Additional Noninterest Income	$215,000	5,444
Total noninterest expense	$2,324,000	5,614
Salaries and employee benefits	$1,255,000	5,028
Premises and equipment expense	$317,000	5,603
Additional noninterest expense	$752,000	6,226
Pre-tax net operating income	$1,628,000	4,028
Securities gains (losses)	$11,000	5,374
Applicable income taxes	$492,000	4,249
Income before extraordinary items	$1,147,000	4,179
Extraordinary gains, net	$0	3,149
Net income	$1,147,000	4,301
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,000	4,406
Cash dividends	$420,000	3,523
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,139,300	3,989
1992-12-31 (YTD Data)		Rank
Total interest income	$5,667,000	5,752
Total interest expense	$2,269,000	6,465
Net interest income	$3,398,000	5,136
Provision for loan and lease losses	$150,000	6,067
Total noninterest income	$219,000	9,045
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	8,836
Trading account gains and fees	NA	NA
Additional Noninterest Income	$129,000	7,194
Total noninterest expense	$2,387,000	5,512
Salaries and employee benefits	$1,298,000	4,830
Premises and equipment expense	$275,000	6,364
Additional noninterest expense	$814,000	5,981
Pre-tax net operating income	$1,080,000	5,329
Securities gains (losses)	$213,000	1,931
Applicable income taxes	$365,000	5,150
Income before extraordinary items	$928,000	4,815
Extraordinary gains, net	$0	1,422
Net income	$928,000	4,861
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$178,000	4,468
Cash dividends	$2,211,000	770
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$774,640	5,174

* 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.