Home > Citizens First Bank > Income and Expense

Citizens First Bank, Income and Expense

2019-09-30 (YTD Data)		Rank
Total interest income	$6,381,000	2,900
Total interest expense	$992,000	2,937
Net interest income	$5,389,000	2,834
Provision for loan and lease losses	$150,000	2,250
Total noninterest income	$1,289,000	2,146
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$825,000	1,061
Trading account gains and fees	$0	129
Additional Noninterest Income	$464,000	2,807
Total noninterest expense	$5,512,000	2,378
Salaries and employee benefits	$3,251,000	2,324
Premises and equipment expense	$553,000	2,482
Additional noninterest expense	$1,708,000	2,355
Pre-tax net operating income	$1,016,000	3,602
Securities gains (losses)	$0	2,167
Applicable income taxes	$52,000	3,244
Income before extraordinary items	$964,000	3,554
Extraordinary gains, net	$0	11
Net income	$964,000	3,554
Minority interest net income	$0	72
Net income of bank and minority interests.	$964,000	3,554
Net charge-offs	$99,000	1,772
Cash dividends	$2,750,000	938
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$964,000	3,523
2019-06-30 (YTD Data)		Rank
Total interest income	$4,201,000	2,932
Total interest expense	$646,000	2,949
Net interest income	$3,555,000	2,868
Provision for loan and lease losses	$75,000	2,429
Total noninterest income	$931,000	2,032
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$565,000	1,019
Trading account gains and fees	$0	131
Additional Noninterest Income	$366,000	2,594
Total noninterest expense	$3,793,000	2,348
Salaries and employee benefits	$2,165,000	2,334
Premises and equipment expense	$363,000	2,500
Additional noninterest expense	$1,265,000	2,209
Pre-tax net operating income	$618,000	3,736
Securities gains (losses)	$0	1,702
Applicable income taxes	$30,000	3,302
Income before extraordinary items	$588,000	3,663
Extraordinary gains, net	$0	11
Net income	$588,000	3,662
Minority interest net income	$0	69
Net income of bank and minority interests.	$588,000	3,662
Net charge-offs	$99,000	1,418
Cash dividends	$2,750,000	698
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$588,000	3,636
2019-03-31 (YTD Data)		Rank
Total interest income	$2,055,000	2,973
Total interest expense	$314,000	2,966
Net interest income	$1,741,000	2,926
Provision for loan and lease losses	$0	3,406
Total noninterest income	$406,000	2,150
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$280,000	1,013
Trading account gains and fees	$0	126
Additional Noninterest Income	$126,000	2,951
Total noninterest expense	$1,870,000	2,376
Salaries and employee benefits	$1,065,000	2,374
Premises and equipment expense	$193,000	2,437
Additional noninterest expense	$612,000	2,248
Pre-tax net operating income	$277,000	3,880
Securities gains (losses)	$0	1,087
Applicable income taxes	$18,000	3,195
Income before extraordinary items	$259,000	3,801
Extraordinary gains, net	$0	5
Net income	$259,000	3,800
Minority interest net income	$0	52
Net income of bank and minority interests.	$259,000	3,800
Net charge-offs	$99,000	892
Cash dividends	$2,500,000	431
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$259,000	3,798
2018-12-31 (YTD Data)		Rank
Total interest income	$8,102,000	2,913
Total interest expense	$931,000	3,040
Net interest income	$7,171,000	2,849
Provision for loan and lease losses	$-284,000	5,257
Total noninterest income	$1,723,000	2,159
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,117,000	1,065
Trading account gains and fees	$0	126
Additional Noninterest Income	$606,000	2,835
Total noninterest expense	$6,818,000	2,506
Salaries and employee benefits	$3,760,000	2,550
Premises and equipment expense	$776,000	2,403
Additional noninterest expense	$2,282,000	2,377
Pre-tax net operating income	$2,360,000	2,872
Securities gains (losses)	$0	1,125
Applicable income taxes	$554,000	1,893
Income before extraordinary items	$1,806,000	3,092
Extraordinary gains, net	$0	6
Net income	$1,806,000	3,091
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,806,000	3,091
Net charge-offs	$-658,000	5,325
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,806,000	3,087
2018-09-30 (YTD Data)		Rank
Total interest income	$6,047,000	2,929
Total interest expense	$659,000	3,056
Net interest income	$5,388,000	2,862
Provision for loan and lease losses	$216,000	1,923
Total noninterest income	$1,255,000	2,227
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$830,000	1,077
Trading account gains and fees	$0	138
Additional Noninterest Income	$425,000	2,957
Total noninterest expense	$4,907,000	2,582
Salaries and employee benefits	$2,637,000	2,675
Premises and equipment expense	$567,000	2,464
Additional noninterest expense	$1,703,000	2,379
Pre-tax net operating income	$1,520,000	3,171
Securities gains (losses)	$0	1,118
Applicable income taxes	$397,000	1,985
Income before extraordinary items	$1,123,000	3,418
Extraordinary gains, net	$0	5
Net income	$1,123,000	3,417
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,123,000	3,417
Net charge-offs	$-741,000	5,416
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,123,000	3,416
2018-06-30 (YTD Data)		Rank
Total interest income	$4,001,000	2,929
Total interest expense	$438,000	2,996
Net interest income	$3,563,000	2,887
Provision for loan and lease losses	$179,000	1,652
Total noninterest income	$832,000	2,224
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$545,000	1,085
Trading account gains and fees	$0	130
Additional Noninterest Income	$287,000	2,950
Total noninterest expense	$3,345,000	2,563
Salaries and employee benefits	$1,791,000	2,657
Premises and equipment expense	$365,000	2,533
Additional noninterest expense	$1,189,000	2,307
Pre-tax net operating income	$871,000	3,356
Securities gains (losses)	$0	961
Applicable income taxes	$228,000	2,100
Income before extraordinary items	$643,000	3,619
Extraordinary gains, net	$0	6
Net income	$643,000	3,618
Minority interest net income	$0	65
Net income of bank and minority interests.	$643,000	3,618
Net charge-offs	$156,000	1,056
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$643,000	3,622
2018-03-31 (YTD Data)		Rank
Total interest income	$1,990,000	2,944
Total interest expense	$218,000	2,960
Net interest income	$1,772,000	2,910
Provision for loan and lease losses	$104,000	1,427
Total noninterest income	$412,000	2,218
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$281,000	1,063
Trading account gains and fees	$0	123
Additional Noninterest Income	$131,000	3,009
Total noninterest expense	$1,603,000	2,658
Salaries and employee benefits	$838,000	2,811
Premises and equipment expense	$185,000	2,560
Additional noninterest expense	$580,000	2,350
Pre-tax net operating income	$477,000	3,171
Securities gains (losses)	$0	735
Applicable income taxes	$125,000	1,975
Income before extraordinary items	$352,000	3,449
Extraordinary gains, net	$0	7
Net income	$352,000	3,448
Minority interest net income	$0	52
Net income of bank and minority interests.	$352,000	3,449
Net charge-offs	$-6,000	4,537
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$352,000	3,442
2017-12-31 (YTD Data)		Rank
Total interest income	$7,749,000	2,935
Total interest expense	$872,000	2,795
Net interest income	$6,877,000	2,924
Provision for loan and lease losses	$180,000	2,471
Total noninterest income	$1,732,000	2,216
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,057,000	1,136
Trading account gains and fees	$0	151
Additional Noninterest Income	$675,000	2,774
Total noninterest expense	$6,130,000	2,721
Salaries and employee benefits	$3,405,000	2,763
Premises and equipment expense	$711,000	2,630
Additional noninterest expense	$2,014,000	2,637
Pre-tax net operating income	$2,299,000	2,889
Securities gains (losses)	$0	2,243
Applicable income taxes	$969,000	1,902
Income before extraordinary items	$1,330,000	3,334
Extraordinary gains, net	$0	9
Net income	$1,330,000	3,332
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,330,000	3,334
Net charge-offs	$253,000	1,622
Cash dividends	$850,000	2,381
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,330,000	3,313
2017-09-30 (YTD Data)		Rank
Total interest income	$5,769,000	2,970
Total interest expense	$653,000	2,776
Net interest income	$5,116,000	2,959
Provision for loan and lease losses	$135,000	2,385
Total noninterest income	$1,309,000	2,228
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$779,000	1,160
Trading account gains and fees	$0	145
Additional Noninterest Income	$530,000	2,739
Total noninterest expense	$4,502,000	2,790
Salaries and employee benefits	$2,455,000	2,847
Premises and equipment expense	$540,000	2,634
Additional noninterest expense	$1,507,000	2,656
Pre-tax net operating income	$1,788,000	2,881
Securities gains (losses)	$0	2,274
Applicable income taxes	$684,000	1,810
Income before extraordinary items	$1,104,000	3,362
Extraordinary gains, net	$0	9
Net income	$1,104,000	3,361
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,104,000	3,362
Net charge-offs	$97,000	1,969
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,104,000	3,334
2017-06-30 (YTD Data)		Rank
Total interest income	$3,798,000	2,983
Total interest expense	$433,000	2,725
Net interest income	$3,365,000	2,975
Provision for loan and lease losses	$90,000	2,313
Total noninterest income	$873,000	2,227
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$512,000	1,164
Trading account gains and fees	$0	139
Additional Noninterest Income	$361,000	2,715
Total noninterest expense	$3,110,000	2,727
Salaries and employee benefits	$1,696,000	2,804
Premises and equipment expense	$364,000	2,629
Additional noninterest expense	$1,050,000	2,578
Pre-tax net operating income	$1,038,000	3,065
Securities gains (losses)	$0	1,906
Applicable income taxes	$397,000	1,907
Income before extraordinary items	$641,000	3,577
Extraordinary gains, net	$0	11
Net income	$641,000	3,576
Minority interest net income	$0	71
Net income of bank and minority interests.	$641,000	3,577
Net charge-offs	$33,000	2,293
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$641,000	3,544
2017-03-31 (YTD Data)		Rank
Total interest income	$1,877,000	3,006
Total interest expense	$213,000	2,735
Net interest income	$1,664,000	3,001
Provision for loan and lease losses	$45,000	2,149
Total noninterest income	$420,000	2,265
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$249,000	1,201
Trading account gains and fees	$0	142
Additional Noninterest Income	$171,000	2,764
Total noninterest expense	$1,462,000	2,882
Salaries and employee benefits	$782,000	2,985
Premises and equipment expense	$187,000	2,624
Additional noninterest expense	$493,000	2,695
Pre-tax net operating income	$577,000	2,862
Securities gains (losses)	$0	1,153
Applicable income taxes	$221,000	1,774
Income before extraordinary items	$356,000	3,330
Extraordinary gains, net	$0	8
Net income	$356,000	3,329
Minority interest net income	$0	55
Net income of bank and minority interests.	$356,000	3,330
Net charge-offs	$15,000	2,041
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$356,000	3,308
2016-12-31 (YTD Data)		Rank
Total interest income	$7,378,000	3,024
Total interest expense	$851,000	2,701
Net interest income	$6,527,000	3,026
Provision for loan and lease losses	$285,000	2,064
Total noninterest income	$1,452,000	2,534
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$883,000	1,340
Trading account gains and fees	$0	170
Additional Noninterest Income	$569,000	3,073
Total noninterest expense	$6,241,000	2,781
Salaries and employee benefits	$3,242,000	2,892
Premises and equipment expense	$761,000	2,587
Additional noninterest expense	$2,238,000	2,542
Pre-tax net operating income	$1,453,000	3,550
Securities gains (losses)	$0	3,212
Applicable income taxes	$494,000	2,266
Income before extraordinary items	$959,000	3,939
Extraordinary gains, net	$0	5
Net income	$959,000	3,937
Minority interest net income	$0	82
Net income of bank and minority interests.	$959,000	3,938
Net charge-offs	$353,000	1,381
Cash dividends	$1,025,000	2,163
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$959,000	3,879
2016-09-30 (YTD Data)		Rank
Total interest income	$5,543,000	3,020
Total interest expense	$636,000	2,708
Net interest income	$4,907,000	3,039
Provision for loan and lease losses	$135,000	2,451
Total noninterest income	$976,000	2,661
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$639,000	1,378
Trading account gains and fees	$0	169
Additional Noninterest Income	$337,000	3,415
Total noninterest expense	$4,603,000	2,803
Salaries and employee benefits	$2,365,000	2,936
Premises and equipment expense	$550,000	2,645
Additional noninterest expense	$1,688,000	2,538
Pre-tax net operating income	$1,145,000	3,536
Securities gains (losses)	$0	3,160
Applicable income taxes	$439,000	2,159
Income before extraordinary items	$706,000	4,028
Extraordinary gains, net	$0	5
Net income	$706,000	4,026
Minority interest net income	$0	71
Net income of bank and minority interests.	$706,000	4,028
Net charge-offs	$195,000	1,475
Cash dividends	$200,000	3,140
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$706,000	3,951
2016-06-30 (YTD Data)		Rank
Total interest income	$3,670,000	3,039
Total interest expense	$426,000	2,711
Net interest income	$3,244,000	3,067
Provision for loan and lease losses	$120,000	2,108
Total noninterest income	$642,000	2,663
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$426,000	1,367
Trading account gains and fees	$0	157
Additional Noninterest Income	$216,000	3,492
Total noninterest expense	$3,072,000	2,809
Salaries and employee benefits	$1,501,000	3,055
Premises and equipment expense	$356,000	2,726
Additional noninterest expense	$1,215,000	2,363
Pre-tax net operating income	$694,000	3,677
Securities gains (losses)	$0	2,835
Applicable income taxes	$266,000	2,235
Income before extraordinary items	$428,000	4,187
Extraordinary gains, net	$0	16
Net income	$428,000	4,184
Minority interest net income	$0	71
Net income of bank and minority interests.	$428,000	4,186
Net charge-offs	$179,000	1,206
Cash dividends	$200,000	2,834
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$428,000	4,116
2016-03-31 (YTD Data)		Rank
Total interest income	$1,845,000	3,050
Total interest expense	$219,000	2,670
Net interest income	$1,626,000	3,069
Provision for loan and lease losses	$90,000	1,597
Total noninterest income	$318,000	2,650
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$217,000	1,336
Trading account gains and fees	$0	142
Additional Noninterest Income	$101,000	3,538
Total noninterest expense	$1,541,000	2,809
Salaries and employee benefits	$746,000	3,083
Premises and equipment expense	$184,000	2,699
Additional noninterest expense	$611,000	2,351
Pre-tax net operating income	$313,000	3,799
Securities gains (losses)	$0	2,077
Applicable income taxes	$120,000	2,292
Income before extraordinary items	$193,000	4,284
Extraordinary gains, net	$0	12
Net income	$193,000	4,281
Minority interest net income	$0	62
Net income of bank and minority interests.	$193,000	4,283
Net charge-offs	$62,000	1,303
Cash dividends	$200,000	1,921
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$193,000	4,237
2015-12-31 (YTD Data)		Rank
Total interest income	$7,368,000	3,001
Total interest expense	$782,000	2,867
Net interest income	$6,586,000	3,000
Provision for loan and lease losses	$270,000	2,021
Total noninterest income	$1,626,000	2,386
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$877,000	1,377
Trading account gains and fees	$0	159
Additional Noninterest Income	$749,000	2,735
Total noninterest expense	$6,390,000	2,739
Salaries and employee benefits	$3,215,000	2,902
Premises and equipment expense	$721,000	2,760
Additional noninterest expense	$2,454,000	2,382
Pre-tax net operating income	$1,552,000	3,451
Securities gains (losses)	$1,000	3,117
Applicable income taxes	$524,000	2,181
Income before extraordinary items	$1,029,000	3,884
Extraordinary gains, net	$0	23
Net income	$1,029,000	3,884
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,029,000	3,885
Net charge-offs	$321,000	1,543
Cash dividends	$1,084,000	2,029
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,028,340	3,830
2015-09-30 (YTD Data)		Rank
Total interest income	$5,496,000	3,037
Total interest expense	$581,000	2,922
Net interest income	$4,915,000	3,034
Provision for loan and lease losses	$180,000	2,044
Total noninterest income	$1,220,000	2,396
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$658,000	1,387
Trading account gains and fees	$0	153
Additional Noninterest Income	$562,000	2,765
Total noninterest expense	$4,689,000	2,795
Salaries and employee benefits	$2,369,000	2,954
Premises and equipment expense	$548,000	2,782
Additional noninterest expense	$1,772,000	2,443
Pre-tax net operating income	$1,266,000	3,361
Securities gains (losses)	$1,000	2,915
Applicable income taxes	$485,000	2,042
Income before extraordinary items	$782,000	3,929
Extraordinary gains, net	$0	21
Net income	$782,000	3,926
Minority interest net income	$0	78
Net income of bank and minority interests.	$782,000	3,929
Net charge-offs	$285,000	1,243
Cash dividends	$1,084,000	1,527
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$781,360	3,867
2015-06-30 (YTD Data)		Rank
Total interest income	$3,628,000	3,062
Total interest expense	$382,000	2,964
Net interest income	$3,246,000	3,060
Provision for loan and lease losses	$90,000	2,323
Total noninterest income	$768,000	2,479
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$423,000	1,396
Trading account gains and fees	$0	157
Additional Noninterest Income	$345,000	2,867
Total noninterest expense	$3,028,000	2,872
Salaries and employee benefits	$1,547,000	3,024
Premises and equipment expense	$364,000	2,794
Additional noninterest expense	$1,117,000	2,570
Pre-tax net operating income	$896,000	3,265
Securities gains (losses)	$1,000	2,511
Applicable income taxes	$343,000	1,995
Income before extraordinary items	$554,000	3,802
Extraordinary gains, net	$0	22
Net income	$554,000	3,803
Minority interest net income	$0	75
Net income of bank and minority interests.	$554,000	3,805
Net charge-offs	$-6,000	5,097
Cash dividends	$1,084,000	1,152
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$553,360	3,750
2015-03-31 (YTD Data)		Rank
Total interest income	$1,793,000	3,101
Total interest expense	$188,000	3,023
Net interest income	$1,605,000	3,080
Provision for loan and lease losses	$0	3,703
Total noninterest income	$401,000	2,391
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$198,000	1,461
Trading account gains and fees	$0	152
Additional Noninterest Income	$203,000	2,608
Total noninterest expense	$1,562,000	2,821
Salaries and employee benefits	$828,000	2,896
Premises and equipment expense	$185,000	2,800
Additional noninterest expense	$549,000	2,608
Pre-tax net operating income	$444,000	3,215
Securities gains (losses)	$1,000	1,909
Applicable income taxes	$170,000	1,977
Income before extraordinary items	$275,000	3,803
Extraordinary gains, net	$0	13
Net income	$275,000	3,806
Minority interest net income	$0	64
Net income of bank and minority interests.	$275,000	3,807
Net charge-offs	$-7,000	5,272
Cash dividends	$59,000	2,547
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$274,360	3,730
2014-12-31 (YTD Data)		Rank
Total interest income	$7,089,000	3,151
Total interest expense	$813,000	2,996
Net interest income	$6,276,000	3,138
Provision for loan and lease losses	$200,000	2,467
Total noninterest income	$1,680,000	2,358
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$899,000	1,428
Trading account gains and fees	$0	180
Additional Noninterest Income	$781,000	2,669
Total noninterest expense	$6,174,000	2,856
Salaries and employee benefits	$2,929,000	3,128
Premises and equipment expense	$745,000	2,793
Additional noninterest expense	$2,500,000	2,413
Pre-tax net operating income	$1,582,000	3,383
Securities gains (losses)	$42,000	1,849
Applicable income taxes	$466,000	2,262
Income before extraordinary items	$1,158,000	3,698
Extraordinary gains, net	$0	17
Net income	$1,158,000	3,698
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,158,000	3,700
Net charge-offs	$442,000	1,607
Cash dividends	$250,000	3,543
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,128,180	3,695
2014-09-30 (YTD Data)		Rank
Total interest income	$5,284,000	3,190
Total interest expense	$621,000	3,013
Net interest income	$4,663,000	3,189
Provision for loan and lease losses	$200,000	2,067
Total noninterest income	$1,213,000	2,426
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$679,000	1,430
Trading account gains and fees	$0	174
Additional Noninterest Income	$534,000	2,821
Total noninterest expense	$4,676,000	2,856
Salaries and employee benefits	$2,213,000	3,139
Premises and equipment expense	$558,000	2,826
Additional noninterest expense	$1,905,000	2,364
Pre-tax net operating income	$1,000,000	3,760
Securities gains (losses)	$42,000	1,545
Applicable income taxes	$399,000	2,200
Income before extraordinary items	$643,000	4,256
Extraordinary gains, net	$0	15
Net income	$643,000	4,257
Minority interest net income	$0	81
Net income of bank and minority interests.	$643,000	4,257
Net charge-offs	$427,000	1,290
Cash dividends	$250,000	2,892
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$616,120	4,262
2014-06-30 (YTD Data)		Rank
Total interest income	$3,523,000	3,194
Total interest expense	$424,000	3,007
Net interest income	$3,099,000	3,198
Provision for loan and lease losses	$150,000	1,864
Total noninterest income	$751,000	2,496
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$438,000	1,454
Trading account gains and fees	$0	172
Additional Noninterest Income	$313,000	2,987
Total noninterest expense	$3,035,000	2,919
Salaries and employee benefits	$1,419,000	3,238
Premises and equipment expense	$374,000	2,837
Additional noninterest expense	$1,242,000	2,409
Pre-tax net operating income	$665,000	3,684
Securities gains (losses)	$42,000	1,266
Applicable income taxes	$271,000	2,120
Income before extraordinary items	$436,000	4,179
Extraordinary gains, net	$0	20
Net income	$436,000	4,185
Minority interest net income	$0	80
Net income of bank and minority interests.	$436,000	4,184
Net charge-offs	$124,000	1,995
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$409,120	4,227
2014-03-31 (YTD Data)		Rank
Total interest income	$1,751,000	3,213
Total interest expense	$218,000	2,969
Net interest income	$1,533,000	3,215
Provision for loan and lease losses	$75,000	1,807
Total noninterest income	$378,000	2,456
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$219,000	1,426
Trading account gains and fees	$0	147
Additional Noninterest Income	$159,000	2,885
Total noninterest expense	$1,526,000	2,939
Salaries and employee benefits	$752,000	3,127
Premises and equipment expense	$185,000	2,908
Additional noninterest expense	$589,000	2,522
Pre-tax net operating income	$310,000	3,764
Securities gains (losses)	$0	1,715
Applicable income taxes	$119,000	2,202
Income before extraordinary items	$191,000	4,333
Extraordinary gains, net	$0	16
Net income	$191,000	4,334
Minority interest net income	$0	66
Net income of bank and minority interests.	$191,000	4,335
Net charge-offs	$25,000	2,339
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$191,000	4,277
2013-12-31 (YTD Data)		Rank
Total interest income	$7,406,000	3,123
Total interest expense	$1,316,000	2,404
Net interest income	$6,090,000	3,243
Provision for loan and lease losses	$450,000	1,964
Total noninterest income	$1,823,000	2,288
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$951,000	1,430
Trading account gains and fees	$0	184
Additional Noninterest Income	$872,000	2,559
Total noninterest expense	$5,879,000	3,037
Salaries and employee benefits	$2,770,000	3,287
Premises and equipment expense	$786,000	2,740
Additional noninterest expense	$2,323,000	2,633
Pre-tax net operating income	$1,584,000	3,306
Securities gains (losses)	$3,000	2,899
Applicable income taxes	$596,000	1,976
Income before extraordinary items	$991,000	3,928
Extraordinary gains, net	$0	29
Net income	$991,000	3,931
Minority interest net income	$0	90
Net income of bank and minority interests.	$991,000	3,932
Net charge-offs	$345,000	2,411
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$989,080	3,872
2013-09-30 (YTD Data)		Rank
Total interest income	$5,601,000	3,115
Total interest expense	$1,044,000	2,364
Net interest income	$4,557,000	3,259
Provision for loan and lease losses	$450,000	1,622
Total noninterest income	$1,357,000	2,335
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$698,000	1,463
Trading account gains and fees	$0	180
Additional Noninterest Income	$659,000	2,595
Total noninterest expense	$4,419,000	3,037
Salaries and employee benefits	$2,087,000	3,295
Premises and equipment expense	$589,000	2,762
Additional noninterest expense	$1,743,000	2,627
Pre-tax net operating income	$1,045,000	3,608
Securities gains (losses)	$3,000	2,773
Applicable income taxes	$401,000	2,127
Income before extraordinary items	$647,000	4,188
Extraordinary gains, net	$0	25
Net income	$647,000	4,190
Minority interest net income	$0	84
Net income of bank and minority interests.	$647,000	4,192
Net charge-offs	$226,000	2,439
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$645,080	4,117
2013-06-30 (YTD Data)		Rank
Total interest income	$3,796,000	3,096
Total interest expense	$715,000	2,349
Net interest income	$3,081,000	3,224
Provision for loan and lease losses	$300,000	1,629
Total noninterest income	$936,000	2,313
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$459,000	1,452
Trading account gains and fees	$0	157
Additional Noninterest Income	$477,000	2,540
Total noninterest expense	$2,824,000	3,134
Salaries and employee benefits	$1,333,000	3,414
Premises and equipment expense	$388,000	2,807
Additional noninterest expense	$1,103,000	2,741
Pre-tax net operating income	$893,000	3,111
Securities gains (losses)	$3,000	2,553
Applicable income taxes	$343,000	1,881
Income before extraordinary items	$553,000	3,751
Extraordinary gains, net	$0	22
Net income	$553,000	3,753
Minority interest net income	$0	82
Net income of bank and minority interests.	$553,000	3,754
Net charge-offs	$83,000	2,924
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$551,080	3,662
2013-03-31 (YTD Data)		Rank
Total interest income	$1,919,000	3,091
Total interest expense	$357,000	2,425
Net interest income	$1,562,000	3,198
Provision for loan and lease losses	$150,000	1,610
Total noninterest income	$388,000	2,602
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$227,000	1,449
Trading account gains and fees	$0	148
Additional Noninterest Income	$161,000	3,082
Total noninterest expense	$1,463,000	3,060
Salaries and employee benefits	$676,000	3,413
Premises and equipment expense	$199,000	2,779
Additional noninterest expense	$588,000	2,594
Pre-tax net operating income	$337,000	3,592
Securities gains (losses)	$0	1,966
Applicable income taxes	$129,000	2,160
Income before extraordinary items	$208,000	4,206
Extraordinary gains, net	$0	10
Net income	$208,000	4,208
Minority interest net income	$0	76
Net income of bank and minority interests.	$208,000	4,208
Net charge-offs	$13,000	3,331
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$208,000	4,100
2012-12-31 (YTD Data)		Rank
Total interest income	$7,666,000	3,221
Total interest expense	$2,044,000	2,104
Net interest income	$5,622,000	3,528
Provision for loan and lease losses	$1,193,000	1,593
Total noninterest income	$1,506,000	2,616
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$977,000	1,448
Trading account gains and fees	$0	166
Additional Noninterest Income	$529,000	3,267
Total noninterest expense	$6,760,000	2,752
Salaries and employee benefits	$2,722,000	3,346
Premises and equipment expense	$877,000	2,546
Additional noninterest expense	$3,161,000	2,054
Pre-tax net operating income	$-825,000	6,605
Securities gains (losses)	$43,000	2,820
Applicable income taxes	$-327,000	6,845
Income before extraordinary items	$-455,000	6,567
Extraordinary gains, net	$0	29
Net income	$-455,000	6,561
Minority interest net income	$0	93
Net income of bank and minority interests.	$-455,000	6,563
Net charge-offs	$1,315,000	1,525
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$-482,520	6,521
2012-09-30 (YTD Data)		Rank
Total interest income	$5,751,000	3,286
Total interest expense	$1,600,000	2,107
Net interest income	$4,151,000	3,624
Provision for loan and lease losses	$829,000	1,669
Total noninterest income	$1,122,000	2,621
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$728,000	1,461
Trading account gains and fees	$0	157
Additional Noninterest Income	$394,000	3,291
Total noninterest expense	$4,623,000	2,983
Salaries and employee benefits	$2,032,000	3,383
Premises and equipment expense	$652,000	2,578
Additional noninterest expense	$1,939,000	2,483
Pre-tax net operating income	$-179,000	6,502
Securities gains (losses)	$43,000	2,529
Applicable income taxes	$-52,000	6,854
Income before extraordinary items	$-84,000	6,520
Extraordinary gains, net	$0	20
Net income	$-84,000	6,518
Minority interest net income	$0	86
Net income of bank and minority interests.	$-84,000	6,518
Net charge-offs	$299,000	2,824
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$-111,520	6,456
2012-06-30 (YTD Data)		Rank
Total interest income	$3,831,000	3,310
Total interest expense	$949,000	2,398
Net interest income	$2,882,000	3,545
Provision for loan and lease losses	$769,000	1,327
Total noninterest income	$752,000	2,581
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$486,000	1,452
Trading account gains and fees	$0	153
Additional Noninterest Income	$266,000	3,246
Total noninterest expense	$2,963,000	3,093
Salaries and employee benefits	$1,365,000	3,384
Premises and equipment expense	$425,000	2,643
Additional noninterest expense	$1,173,000	2,741
Pre-tax net operating income	$-98,000	6,525
Securities gains (losses)	$43,000	2,152
Applicable income taxes	$-21,000	6,879
Income before extraordinary items	$-34,000	6,538
Extraordinary gains, net	$0	19
Net income	$-34,000	6,538
Minority interest net income	$0	84
Net income of bank and minority interests.	$-34,000	6,538
Net charge-offs	$159,000	2,983
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$-61,520	6,487
2012-03-31 (YTD Data)		Rank
Total interest income	$1,914,000	3,335
Total interest expense	$478,000	2,468
Net interest income	$1,436,000	3,565
Provision for loan and lease losses	$180,000	2,114
Total noninterest income	$379,000	2,565
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$241,000	1,446
Trading account gains and fees	$0	148
Additional Noninterest Income	$138,000	3,187
Total noninterest expense	$1,480,000	3,090
Salaries and employee benefits	$694,000	3,368
Premises and equipment expense	$215,000	2,636
Additional noninterest expense	$571,000	2,768
Pre-tax net operating income	$155,000	4,881
Securities gains (losses)	$43,000	1,295
Applicable income taxes	$76,000	2,689
Income before extraordinary items	$122,000	5,127
Extraordinary gains, net	$0	19
Net income	$122,000	5,128
Minority interest net income	$0	78
Net income of bank and minority interests.	$122,000	5,129
Net charge-offs	$62,000	2,855
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$94,480	5,282
2011-12-31 (YTD Data)		Rank
Total interest income	$8,128,000	3,288
Total interest expense	$2,218,000	2,551
Net interest income	$5,910,000	3,498
Provision for loan and lease losses	$1,070,000	2,325
Total noninterest income	$1,614,000	2,340
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$992,000	1,489
Trading account gains and fees	$0	146
Additional Noninterest Income	$622,000	2,808
Total noninterest expense	$6,438,000	2,885
Salaries and employee benefits	$2,811,000	3,267
Premises and equipment expense	$929,000	2,561
Additional noninterest expense	$2,698,000	2,443
Pre-tax net operating income	$16,000	5,965
Securities gains (losses)	$0	3,838
Applicable income taxes	$-94,000	6,810
Income before extraordinary items	$110,000	5,836
Extraordinary gains, net	$0	29
Net income	$110,000	5,838
Minority interest net income	$0	96
Net income of bank and minority interests.	$110,000	5,838
Net charge-offs	$972,000	2,394
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$110,000	5,722
2011-09-30 (YTD Data)		Rank
Total interest income	$6,141,000	3,299
Total interest expense	$1,715,000	2,584
Net interest income	$4,426,000	3,525
Provision for loan and lease losses	$949,000	2,029
Total noninterest income	$1,175,000	2,368
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$755,000	1,479
Trading account gains and fees	$0	145
Additional Noninterest Income	$420,000	2,952
Total noninterest expense	$4,874,000	2,858
Salaries and employee benefits	$2,128,000	3,252
Premises and equipment expense	$705,000	2,553
Additional noninterest expense	$2,041,000	2,414
Pre-tax net operating income	$-222,000	6,408
Securities gains (losses)	$0	3,555
Applicable income taxes	$-85,000	6,985
Income before extraordinary items	$-137,000	6,455
Extraordinary gains, net	$0	21
Net income	$-137,000	6,459
Minority interest net income	$0	87
Net income of bank and minority interests.	$-137,000	6,458
Net charge-offs	$520,000	2,622
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-137,000	6,375
2011-06-30 (YTD Data)		Rank
Total interest income	$4,065,000	3,348
Total interest expense	$1,196,000	2,576
Net interest income	$2,869,000	3,610
Provision for loan and lease losses	$618,000	2,020
Total noninterest income	$802,000	2,318
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$517,000	1,414
Trading account gains and fees	$0	153
Additional Noninterest Income	$285,000	2,960
Total noninterest expense	$3,348,000	2,793
Salaries and employee benefits	$1,403,000	3,309
Premises and equipment expense	$476,000	2,552
Additional noninterest expense	$1,469,000	2,285
Pre-tax net operating income	$-295,000	6,650
Securities gains (losses)	$0	2,914
Applicable income taxes	$-113,000	7,132
Income before extraordinary items	$-182,000	6,608
Extraordinary gains, net	$0	15
Net income	$-182,000	6,608
Minority interest net income	$0	89
Net income of bank and minority interests.	$-182,000	6,608
Net charge-offs	$374,000	2,430
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-182,000	6,569
2011-03-31 (YTD Data)		Rank
Total interest income	$2,059,000	3,327
Total interest expense	$626,000	2,551
Net interest income	$1,433,000	3,595
Provision for loan and lease losses	$355,000	1,772
Total noninterest income	$409,000	2,315
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$260,000	1,378
Trading account gains and fees	$0	158
Additional Noninterest Income	$149,000	2,909
Total noninterest expense	$1,461,000	3,173
Salaries and employee benefits	$703,000	3,320
Premises and equipment expense	$239,000	2,575
Additional noninterest expense	$519,000	3,081
Pre-tax net operating income	$26,000	6,029
Securities gains (losses)	$0	1,772
Applicable income taxes	$10,000	3,778
Income before extraordinary items	$16,000	6,170
Extraordinary gains, net	$0	9
Net income	$16,000	6,169
Minority interest net income	$0	86
Net income of bank and minority interests.	$16,000	6,170
Net charge-offs	$104,000	2,692
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$16,000	6,132
2010-12-31 (YTD Data)		Rank
Total interest income	$8,399,000	3,421
Total interest expense	$2,988,000	2,616
Net interest income	$5,411,000	3,750
Provision for loan and lease losses	$739,000	3,519
Total noninterest income	$1,739,000	2,292
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,170,000	1,287
Trading account gains and fees	$0	175
Additional Noninterest Income	$569,000	2,993
Total noninterest expense	$6,104,000	3,063
Salaries and employee benefits	$2,673,000	3,419
Premises and equipment expense	$955,000	2,577
Additional noninterest expense	$2,476,000	2,706
Pre-tax net operating income	$307,000	4,879
Securities gains (losses)	$40,000	2,790
Applicable income taxes	$20,000	4,002
Income before extraordinary items	$327,000	4,852
Extraordinary gains, net	$0	29
Net income	$327,000	4,855
Minority interest net income	$0	111
Net income of bank and minority interests.	$327,000	4,855
Net charge-offs	$790,000	3,005
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$289,400	4,838
2010-09-30 (YTD Data)		Rank
Total interest income	$6,390,000	3,453
Total interest expense	$2,326,000	2,626
Net interest income	$4,064,000	3,799
Provision for loan and lease losses	$279,000	4,416
Total noninterest income	$1,322,000	2,288
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$898,000	1,293
Trading account gains and fees	$0	165
Additional Noninterest Income	$424,000	3,031
Total noninterest expense	$4,389,000	3,179
Salaries and employee benefits	$1,991,000	3,451
Premises and equipment expense	$712,000	2,617
Additional noninterest expense	$1,686,000	2,882
Pre-tax net operating income	$718,000	3,666
Securities gains (losses)	$40,000	2,559
Applicable income taxes	$290,000	2,183
Income before extraordinary items	$468,000	4,241
Extraordinary gains, net	$0	23
Net income	$468,000	4,242
Minority interest net income	$0	110
Net income of bank and minority interests.	$468,000	4,242
Net charge-offs	$559,000	2,933
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$442,400	4,164
2010-06-30 (YTD Data)		Rank
Total interest income	$4,184,000	3,534
Total interest expense	$1,596,000	2,661
Net interest income	$2,588,000	3,924
Provision for loan and lease losses	$132,000	4,792
Total noninterest income	$890,000	2,205
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$608,000	1,288
Trading account gains and fees	$0	152
Additional Noninterest Income	$282,000	2,936
Total noninterest expense	$2,917,000	3,186
Salaries and employee benefits	$1,323,000	3,484
Premises and equipment expense	$461,000	2,700
Additional noninterest expense	$1,133,000	2,863
Pre-tax net operating income	$429,000	3,876
Securities gains (losses)	$0	3,184
Applicable income taxes	$164,000	2,319
Income before extraordinary items	$265,000	4,500
Extraordinary gains, net	$0	19
Net income	$265,000	4,500
Minority interest net income	$0	105
Net income of bank and minority interests.	$265,000	4,500
Net charge-offs	$477,000	2,507
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$265,000	4,354
2010-03-31 (YTD Data)		Rank
Total interest income	$2,058,000	3,634
Total interest expense	$815,000	2,723
Net interest income	$1,243,000	4,050
Provision for loan and lease losses	$45,000	4,935
Total noninterest income	$444,000	2,211
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$285,000	1,374
Trading account gains and fees	$0	175
Additional Noninterest Income	$159,000	2,738
Total noninterest expense	$1,490,000	3,168
Salaries and employee benefits	$654,000	3,571
Premises and equipment expense	$252,000	2,582
Additional noninterest expense	$584,000	2,769
Pre-tax net operating income	$152,000	4,536
Securities gains (losses)	$0	2,284
Applicable income taxes	$69,000	2,480
Income before extraordinary items	$83,000	5,206
Extraordinary gains, net	$0	16
Net income	$83,000	5,207
Minority interest net income	$0	91
Net income of bank and minority interests.	$83,000	5,206
Net charge-offs	$153,000	2,697
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$83,000	5,088
2009-12-31 (YTD Data)		Rank
Total interest income	$9,358,000	3,396
Total interest expense	$4,062,000	2,703
Net interest income	$5,296,000	3,802
Provision for loan and lease losses	$1,132,000	3,300
Total noninterest income	$1,709,000	2,362
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,292,000	1,337
Trading account gains and fees	$0	211
Additional Noninterest Income	$417,000	3,488
Total noninterest expense	$6,013,000	3,178
Salaries and employee benefits	$2,701,000	3,478
Premises and equipment expense	$1,011,000	2,545
Additional noninterest expense	$2,301,000	2,948
Pre-tax net operating income	$-140,000	5,638
Securities gains (losses)	$-629,000	7,625
Applicable income taxes	$-361,000	6,925
Income before extraordinary items	$-408,000	6,017
Extraordinary gains, net	$0	34
Net income	$-408,000	6,016
Minority interest net income	$0	115
Net income of bank and minority interests.	$-408,000	6,016
Net charge-offs	$891,000	3,009
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-5,440	5,494
2009-09-30 (YTD Data)		Rank
Total interest income	$7,028,000	3,446
Total interest expense	$3,135,000	2,751
Net interest income	$3,893,000	3,847
Provision for loan and lease losses	$793,000	3,120
Total noninterest income	$1,235,000	2,452
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$952,000	1,353
Trading account gains and fees	$0	212
Additional Noninterest Income	$283,000	3,708
Total noninterest expense	$4,493,000	3,183
Salaries and employee benefits	$2,051,000	3,474
Premises and equipment expense	$756,000	2,589
Additional noninterest expense	$1,686,000	2,988
Pre-tax net operating income	$-158,000	5,968
Securities gains (losses)	$-629,000	7,787
Applicable income taxes	$-301,000	7,203
Income before extraordinary items	$-486,000	6,415
Extraordinary gains, net	$0	27
Net income	$-486,000	6,416
Minority interest net income	$0	118
Net income of bank and minority interests.	$-486,000	6,415
Net charge-offs	$576,000	2,848
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-83,440	5,917
2009-06-30 (YTD Data)		Rank
Total interest income	$4,658,000	3,495
Total interest expense	$2,155,000	2,787
Net interest income	$2,503,000	3,939
Provision for loan and lease losses	$486,000	3,012
Total noninterest income	$785,000	2,551
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$608,000	1,397
Trading account gains and fees	$0	193
Additional Noninterest Income	$177,000	3,844
Total noninterest expense	$2,970,000	3,249
Salaries and employee benefits	$1,369,000	3,502
Premises and equipment expense	$496,000	2,660
Additional noninterest expense	$1,105,000	3,046
Pre-tax net operating income	$-168,000	6,219
Securities gains (losses)	$-620,000	7,947
Applicable income taxes	$-301,000	7,420
Income before extraordinary items	$-487,000	6,759
Extraordinary gains, net	$0	21
Net income	$-487,000	6,760
Minority interest net income	$0	112
Net income of bank and minority interests.	$-487,000	6,760
Net charge-offs	$182,000	3,545
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-90,200	6,128
2009-03-31 (YTD Data)		Rank
Total interest income	$2,348,000	3,513
Total interest expense	$1,120,000	2,789
Net interest income	$1,228,000	3,995
Provision for loan and lease losses	$362,000	2,095
Total noninterest income	$381,000	2,585
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$291,000	1,418
Trading account gains and fees	$0	171
Additional Noninterest Income	$90,000	3,816
Total noninterest expense	$1,506,000	3,138
Salaries and employee benefits	$658,000	3,658
Premises and equipment expense	$275,000	2,481
Additional noninterest expense	$573,000	2,669
Pre-tax net operating income	$-259,000	6,989
Securities gains (losses)	$0	2,434
Applicable income taxes	$-99,000	7,553
Income before extraordinary items	$-160,000	6,961
Extraordinary gains, net	$0	15
Net income	$-160,000	6,962
Minority interest net income	$0	102
Net income of bank and minority interests.	$-160,000	6,962
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	$-160,000	6,886
2008-12-31 (YTD Data)		Rank
Total interest income	$9,914,000	3,549
Total interest expense	$4,728,000	3,118
Net interest income	$5,186,000	3,841
Provision for loan and lease losses	$556,000	3,649
Total noninterest income	$1,709,000	2,399
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,317,000	1,363
Trading account gains and fees	$0	154
Additional Noninterest Income	$392,000	3,625
Total noninterest expense	$5,697,000	3,226
Salaries and employee benefits	$2,619,000	3,639
Premises and equipment expense	$978,000	2,683
Additional noninterest expense	$2,100,000	2,738
Pre-tax net operating income	$642,000	4,522
Securities gains (losses)	$-81,000	7,220
Applicable income taxes	$156,000	3,027
Income before extraordinary items	$405,000	4,741
Extraordinary gains, net	$0	39
Net income	$405,000	4,741
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$425,000	3,022
Cash dividends	$150,000	4,716
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$463,320	4,731
2008-09-30 (YTD Data)		Rank
Total interest income	$7,460,000	3,611
Total interest expense	$3,555,000	3,211
Net interest income	$3,905,000	3,856
Provision for loan and lease losses	$268,000	3,753
Total noninterest income	$1,287,000	2,460
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$967,000	1,403
Trading account gains and fees	$0	148
Additional Noninterest Income	$320,000	3,577
Total noninterest expense	$4,191,000	3,266
Salaries and employee benefits	$1,955,000	3,682
Premises and equipment expense	$685,000	2,859
Additional noninterest expense	$1,551,000	2,706
Pre-tax net operating income	$733,000	4,261
Securities gains (losses)	$-81,000	7,514
Applicable income taxes	$250,000	2,666
Income before extraordinary items	$402,000	4,783
Extraordinary gains, net	$0	31
Net income	$402,000	4,781
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$342,000	2,404
Cash dividends	$150,000	4,104
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$453,840	4,749
2008-06-30 (YTD Data)		Rank
Total interest income	$4,974,000	3,659
Total interest expense	$2,358,000	3,331
Net interest income	$2,616,000	3,855
Provision for loan and lease losses	$116,000	4,071
Total noninterest income	$836,000	2,542
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$609,000	1,454
Trading account gains and fees	$0	149
Additional Noninterest Income	$227,000	3,516
Total noninterest expense	$2,769,000	3,299
Salaries and employee benefits	$1,274,000	3,789
Premises and equipment expense	$458,000	2,863
Additional noninterest expense	$1,037,000	2,666
Pre-tax net operating income	$567,000	4,136
Securities gains (losses)	$0	3,233
Applicable income taxes	$217,000	2,580
Income before extraordinary items	$350,000	4,737
Extraordinary gains, net	$0	21
Net income	$350,000	4,738
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$214,000	2,158
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$350,000	4,675
2008-03-31 (YTD Data)		Rank
Total interest income	$2,459,000	3,768
Total interest expense	$1,159,000	3,543
Net interest income	$1,300,000	3,872
Provision for loan and lease losses	$44,000	4,035
Total noninterest income	$418,000	2,523
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$285,000	1,538
Trading account gains and fees	$0	158
Additional Noninterest Income	$133,000	3,249
Total noninterest expense	$1,321,000	3,432
Salaries and employee benefits	$607,000	3,941
Premises and equipment expense	$229,000	2,873
Additional noninterest expense	$485,000	2,800
Pre-tax net operating income	$353,000	3,803
Securities gains (losses)	$0	2,688
Applicable income taxes	$135,000	2,445
Income before extraordinary items	$218,000	4,489
Extraordinary gains, net	$0	15
Net income	$218,000	4,491
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$180,000	1,345
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$218,000	4,384
2007-12-31 (YTD Data)		Rank
Total interest income	$10,130,000	3,744
Total interest expense	$4,516,000	3,712
Net interest income	$5,614,000	3,686
Provision for loan and lease losses	$462,000	2,462
Total noninterest income	$1,367,000	2,871
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,124,000	1,592
Trading account gains and fees	$0	178
Additional Noninterest Income	$243,000	4,656
Total noninterest expense	$4,672,000	3,645
Salaries and employee benefits	$2,174,000	4,127
Premises and equipment expense	$756,000	3,233
Additional noninterest expense	$1,742,000	3,023
Pre-tax net operating income	$1,847,000	3,487
Securities gains (losses)	$0	2,146
Applicable income taxes	$646,000	2,411
Income before extraordinary items	$1,201,000	3,937
Extraordinary gains, net	$0	39
Net income	$1,201,000	3,938
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$322,000	2,206
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,201,000	3,936
2007-09-30 (YTD Data)		Rank
Total interest income	$7,515,000	3,769
Total interest expense	$3,321,000	3,761
Net interest income	$4,194,000	3,695
Provision for loan and lease losses	$229,000	2,766
Total noninterest income	$1,025,000	2,861
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$836,000	1,580
Trading account gains and fees	$0	184
Additional Noninterest Income	$189,000	4,597
Total noninterest expense	$3,466,000	3,666
Salaries and employee benefits	$1,668,000	4,037
Premises and equipment expense	$569,000	3,208
Additional noninterest expense	$1,229,000	3,121
Pre-tax net operating income	$1,524,000	3,436
Securities gains (losses)	$0	1,655
Applicable income taxes	$584,000	2,333
Income before extraordinary items	$940,000	4,015
Extraordinary gains, net	$0	33
Net income	$940,000	4,015
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	2,185
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$940,000	3,997
2007-06-30 (YTD Data)		Rank
Total interest income	$4,854,000	3,868
Total interest expense	$2,128,000	3,878
Net interest income	$2,726,000	3,796
Provision for loan and lease losses	$117,000	3,080
Total noninterest income	$702,000	2,825
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$556,000	1,580
Trading account gains and fees	$0	168
Additional Noninterest Income	$146,000	4,363
Total noninterest expense	$2,282,000	3,725
Salaries and employee benefits	$1,120,000	4,054
Premises and equipment expense	$370,000	3,289
Additional noninterest expense	$792,000	3,222
Pre-tax net operating income	$1,029,000	3,464
Securities gains (losses)	$0	1,444
Applicable income taxes	$394,000	2,397
Income before extraordinary items	$635,000	4,050
Extraordinary gains, net	$0	29
Net income	$635,000	4,050
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	2,686
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$635,000	4,037
2007-03-31 (YTD Data)		Rank
Total interest income	$2,318,000	3,988
Total interest expense	$990,000	4,044
Net interest income	$1,328,000	3,861
Provision for loan and lease losses	$49,000	3,140
Total noninterest income	$323,000	2,969
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$263,000	1,632
Trading account gains and fees	$0	195
Additional Noninterest Income	$60,000	4,749
Total noninterest expense	$1,099,000	3,835
Salaries and employee benefits	$559,000	4,082
Premises and equipment expense	$187,000	3,285
Additional noninterest expense	$353,000	3,510
Pre-tax net operating income	$503,000	3,516
Securities gains (losses)	$0	1,187
Applicable income taxes	$191,000	2,458
Income before extraordinary items	$312,000	4,083
Extraordinary gains, net	$0	22
Net income	$312,000	4,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	1,850
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$312,000	4,059
2006-12-31 (YTD Data)		Rank
Total interest income	$8,236,000	4,122
Total interest expense	$3,126,000	4,213
Net interest income	$5,110,000	3,942
Provision for loan and lease losses	$332,000	2,598
Total noninterest income	$1,335,000	2,923
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,144,000	1,549
Trading account gains and fees	$0	130
Additional Noninterest Income	$191,000	5,200
Total noninterest expense	$4,141,000	3,890
Salaries and employee benefits	$1,997,000	4,268
Premises and equipment expense	$717,000	3,282
Additional noninterest expense	$1,427,000	3,423
Pre-tax net operating income	$1,972,000	3,682
Securities gains (losses)	$0	1,687
Applicable income taxes	$722,000	2,624
Income before extraordinary items	$1,250,000	4,191
Extraordinary gains, net	$0	51
Net income	$1,250,000	4,191
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$210,000	2,115
Cash dividends	$5,000	5,922
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,250,000	4,166
2006-09-30 (YTD Data)		Rank
Total interest income	$5,997,000	4,184
Total interest expense	$2,268,000	4,211
Net interest income	$3,729,000	4,052
Provision for loan and lease losses	$140,000	3,511
Total noninterest income	$1,003,000	2,918
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$857,000	1,558
Trading account gains and fees	$0	126
Additional Noninterest Income	$146,000	5,185
Total noninterest expense	$3,053,000	3,930
Salaries and employee benefits	$1,463,000	4,322
Premises and equipment expense	$544,000	3,247
Additional noninterest expense	$1,046,000	3,478
Pre-tax net operating income	$1,539,000	3,726
Securities gains (losses)	$0	1,388
Applicable income taxes	$589,000	2,622
Income before extraordinary items	$950,000	4,295
Extraordinary gains, net	$0	45
Net income	$950,000	4,298
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$133,000	1,964
Cash dividends	$5,000	5,269
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$950,000	4,278
2006-06-30 (YTD Data)		Rank
Total interest income	$3,925,000	4,187
Total interest expense	$1,490,000	4,127
Net interest income	$2,435,000	4,118
Provision for loan and lease losses	$106,000	3,240
Total noninterest income	$673,000	2,901
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$575,000	1,543
Trading account gains and fees	$0	126
Additional Noninterest Income	$98,000	5,173
Total noninterest expense	$2,004,000	4,002
Salaries and employee benefits	$960,000	4,391
Premises and equipment expense	$357,000	3,280
Additional noninterest expense	$687,000	3,539
Pre-tax net operating income	$998,000	3,801
Securities gains (losses)	$0	1,185
Applicable income taxes	$382,000	2,688
Income before extraordinary items	$616,000	4,369
Extraordinary gains, net	$0	39
Net income	$616,000	4,373
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$128,000	1,473
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$616,000	4,362
2006-03-31 (YTD Data)		Rank
Total interest income	$1,856,000	4,290
Total interest expense	$729,000	4,070
Net interest income	$1,127,000	4,350
Provision for loan and lease losses	$46,000	3,241
Total noninterest income	$316,000	2,979
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$277,000	1,541
Trading account gains and fees	$0	115
Additional Noninterest Income	$39,000	5,582
Total noninterest expense	$958,000	4,131
Salaries and employee benefits	$463,000	4,536
Premises and equipment expense	$179,000	3,284
Additional noninterest expense	$316,000	3,749
Pre-tax net operating income	$439,000	4,055
Securities gains (losses)	$0	955
Applicable income taxes	$168,000	2,872
Income before extraordinary items	$271,000	4,661
Extraordinary gains, net	$0	21
Net income	$271,000	4,661
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	1,294
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$271,000	4,646
2005-12-31 (YTD Data)		Rank
Total interest income	$6,338,000	4,460
Total interest expense	$2,240,000	4,106
Net interest income	$4,098,000	4,551
Provision for loan and lease losses	$282,000	2,965
Total noninterest income	$1,072,000	3,389
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$889,000	1,931
Trading account gains and fees	$0	138
Additional Noninterest Income	$183,000	5,339
Total noninterest expense	$3,411,000	4,377
Salaries and employee benefits	$1,596,000	4,849
Premises and equipment expense	$582,000	3,746
Additional noninterest expense	$1,233,000	3,790
Pre-tax net operating income	$1,477,000	4,422
Securities gains (losses)	$-8,000	7,452
Applicable income taxes	$506,000	3,349
Income before extraordinary items	$963,000	4,922
Extraordinary gains, net	$0	46
Net income	$963,000	4,923
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	3,354
Cash dividends	$191,000	4,973
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$968,280	4,876
2005-09-30 (YTD Data)		Rank
Total interest income	$4,590,000	4,524
Total interest expense	$1,577,000	4,153
Net interest income	$3,013,000	4,622
Provision for loan and lease losses	$164,000	3,350
Total noninterest income	$777,000	3,474
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$630,000	2,024
Trading account gains and fees	$0	126
Additional Noninterest Income	$147,000	5,224
Total noninterest expense	$2,503,000	4,420
Salaries and employee benefits	$1,156,000	4,935
Premises and equipment expense	$421,000	3,823
Additional noninterest expense	$926,000	3,721
Pre-tax net operating income	$1,123,000	4,488
Securities gains (losses)	$-8,000	7,835
Applicable income taxes	$427,000	3,217
Income before extraordinary items	$688,000	5,130
Extraordinary gains, net	$0	35
Net income	$688,000	5,132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	3,141
Cash dividends	$130,000	4,500
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$693,120	5,070
2005-06-30 (YTD Data)		Rank
Total interest income	$2,933,000	4,577
Total interest expense	$986,000	4,176
Net interest income	$1,947,000	4,705
Provision for loan and lease losses	$117,000	3,150
Total noninterest income	$459,000	3,722
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	$92,000	5,342
Total noninterest expense	$1,597,000	4,537
Salaries and employee benefits	$752,000	5,011
Premises and equipment expense	$273,000	3,893
Additional noninterest expense	$572,000	3,946
Pre-tax net operating income	$692,000	4,655
Securities gains (losses)	$0	2,146
Applicable income taxes	$265,000	3,320
Income before extraordinary items	$427,000	5,288
Extraordinary gains, net	$0	30
Net income	$427,000	5,290
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	2,562
Cash dividends	$105,000	4,194
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$427,000	5,243
2005-03-31 (YTD Data)		Rank
Total interest income	$1,399,000	4,699
Total interest expense	$471,000	4,202
Net interest income	$928,000	4,864
Provision for loan and lease losses	$62,000	2,802
Total noninterest income	$208,000	3,873
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$160,000	2,428
Trading account gains and fees	$0	115
Additional Noninterest Income	$48,000	5,277
Total noninterest expense	$812,000	4,518
Salaries and employee benefits	$377,000	5,027
Premises and equipment expense	$141,000	3,820
Additional noninterest expense	$294,000	3,874
Pre-tax net operating income	$262,000	5,336
Securities gains (losses)	$0	1,685
Applicable income taxes	$100,000	3,763
Income before extraordinary items	$162,000	5,937
Extraordinary gains, net	$0	24
Net income	$162,000	5,938
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,877
Cash dividends	$25,000	3,673
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$162,000	5,897
2004-12-31 (YTD Data)		Rank
Total interest income	$4,828,000	4,964
Total interest expense	$1,499,000	4,515
Net interest income	$3,329,000	5,079
Provision for loan and lease losses	$286,000	3,024
Total noninterest income	$853,000	3,895
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$721,000	2,318
Trading account gains and fees	$0	138
Additional Noninterest Income	$132,000	5,935
Total noninterest expense	$2,843,000	4,851
Salaries and employee benefits	$1,319,000	5,386
Premises and equipment expense	$541,000	3,837
Additional noninterest expense	$983,000	4,410
Pre-tax net operating income	$1,053,000	5,111
Securities gains (losses)	$-2,000	7,892
Applicable income taxes	$399,000	3,727
Income before extraordinary items	$652,000	5,773
Extraordinary gains, net	$0	34
Net income	$652,000	5,775
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$123,000	3,342
Cash dividends	$140,000	5,238
Sale, conversion, retirement of capital stock, net	$1,950,000	354
Net operating income	$653,280	5,696
2004-09-30 (YTD Data)		Rank
Total interest income	$3,509,000	5,050
Total interest expense	$1,056,000	4,642
Net interest income	$2,453,000	5,121
Provision for loan and lease losses	$223,000	2,833
Total noninterest income	$662,000	3,855
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$552,000	2,305
Trading account gains and fees	$0	134
Additional Noninterest Income	$110,000	5,753
Total noninterest expense	$2,115,000	4,819
Salaries and employee benefits	$981,000	5,387
Premises and equipment expense	$406,000	3,830
Additional noninterest expense	$728,000	4,386
Pre-tax net operating income	$777,000	5,270
Securities gains (losses)	$1,000	3,538
Applicable income taxes	$298,000	3,816
Income before extraordinary items	$480,000	5,907
Extraordinary gains, net	$0	26
Net income	$480,000	5,907
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	3,570
Cash dividends	$65,000	4,879
Sale, conversion, retirement of capital stock, net	$1,950,000	265
Net operating income	$479,360	5,835
2004-06-30 (YTD Data)		Rank
Total interest income	$2,257,000	5,165
Total interest expense	$667,000	4,801
Net interest income	$1,590,000	5,223
Provision for loan and lease losses	$148,000	2,832
Total noninterest income	$440,000	3,878
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$374,000	2,269
Trading account gains and fees	$0	130
Additional Noninterest Income	$66,000	5,947
Total noninterest expense	$1,372,000	4,962
Salaries and employee benefits	$652,000	5,431
Premises and equipment expense	$270,000	3,842
Additional noninterest expense	$450,000	4,679
Pre-tax net operating income	$510,000	5,259
Securities gains (losses)	$1,000	3,212
Applicable income taxes	$196,000	3,824
Income before extraordinary items	$315,000	5,923
Extraordinary gains, net	$0	21
Net income	$315,000	5,923
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	3,193
Cash dividends	$55,000	4,619
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$314,360	5,840
2004-03-31 (YTD Data)		Rank
Total interest income	$1,101,000	5,261
Total interest expense	$310,000	5,069
Net interest income	$791,000	5,250
Provision for loan and lease losses	$60,000	2,918
Total noninterest income	$211,000	3,938
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$180,000	2,287
Trading account gains and fees	$0	121
Additional Noninterest Income	$31,000	6,045
Total noninterest expense	$656,000	5,136
Salaries and employee benefits	$317,000	5,552
Premises and equipment expense	$132,000	3,942
Additional noninterest expense	$207,000	4,938
Pre-tax net operating income	$286,000	4,919
Securities gains (losses)	$7,000	2,210
Applicable income taxes	$112,000	3,591
Income before extraordinary items	$181,000	5,576
Extraordinary gains, net	$0	16
Net income	$181,000	5,577
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	2,469
Cash dividends	$55,000	3,326
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$176,520	5,521
2003-12-31 (YTD Data)		Rank
Total interest income	$4,134,000	5,517
Total interest expense	$1,339,000	5,238
Net interest income	$2,795,000	5,536
Provision for loan and lease losses	$163,000	4,446
Total noninterest income	$848,000	4,089
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$731,000	2,279
Trading account gains and fees	$0	160
Additional Noninterest Income	$117,000	6,265
Total noninterest expense	$2,542,000	5,160
Salaries and employee benefits	$1,059,000	6,060
Premises and equipment expense	$495,000	4,092
Additional noninterest expense	$988,000	4,320
Pre-tax net operating income	$938,000	5,332
Securities gains (losses)	$0	4,500
Applicable income taxes	$361,000	3,974
Income before extraordinary items	$577,000	6,024
Extraordinary gains, net	$0	54
Net income	$577,000	6,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,000	3,516
Cash dividends	$201,000	4,901
Sale, conversion, retirement of capital stock, net	$1,000,000	414
Net operating income	$577,000	5,865
2003-09-30 (YTD Data)		Rank
Total interest income	$3,082,000	5,615
Total interest expense	$1,030,000	5,287
Net interest income	$2,052,000	5,636
Provision for loan and lease losses	$120,000	4,343
Total noninterest income	$597,000	4,287
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$504,000	2,456
Trading account gains and fees	$0	153
Additional Noninterest Income	$93,000	6,209
Total noninterest expense	$1,841,000	5,258
Salaries and employee benefits	$794,000	6,026
Premises and equipment expense	$369,000	4,098
Additional noninterest expense	$678,000	4,569
Pre-tax net operating income	$688,000	5,553
Securities gains (losses)	$0	4,204
Applicable income taxes	$245,000	4,318
Income before extraordinary items	$443,000	6,130
Extraordinary gains, net	$0	40
Net income	$443,000	6,131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	3,571
Cash dividends	$149,000	4,425
Sale, conversion, retirement of capital stock, net	$-29,000	9,147
Net operating income	$443,000	5,964
2003-06-30 (YTD Data)		Rank
Total interest income	$2,022,000	5,701
Total interest expense	$722,000	5,247
Net interest income	$1,300,000	5,799
Provision for loan and lease losses	$32,000	5,704
Total noninterest income	$387,000	4,336
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$329,000	2,473
Trading account gains and fees	$0	150
Additional Noninterest Income	$58,000	6,303
Total noninterest expense	$1,210,000	5,303
Salaries and employee benefits	$524,000	6,086
Premises and equipment expense	$247,000	4,086
Additional noninterest expense	$439,000	4,680
Pre-tax net operating income	$445,000	5,611
Securities gains (losses)	$0	3,782
Applicable income taxes	$158,000	4,416
Income before extraordinary items	$287,000	6,189
Extraordinary gains, net	$0	30
Net income	$287,000	6,188
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	3,357
Cash dividends	$63,000	4,611
Sale, conversion, retirement of capital stock, net	$-29,000	9,199
Net operating income	$287,000	5,989
2003-03-31 (YTD Data)		Rank
Total interest income	$989,000	5,815
Total interest expense	$370,000	5,271
Net interest income	$619,000	5,960
Provision for loan and lease losses	$14,000	5,838
Total noninterest income	$177,000	4,456
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$148,000	2,606
Trading account gains and fees	$0	134
Additional Noninterest Income	$29,000	6,299
Total noninterest expense	$596,000	5,358
Salaries and employee benefits	$265,000	6,053
Premises and equipment expense	$125,000	4,027
Additional noninterest expense	$206,000	4,860
Pre-tax net operating income	$186,000	6,007
Securities gains (losses)	$0	2,891
Applicable income taxes	$66,000	4,673
Income before extraordinary items	$120,000	6,547
Extraordinary gains, net	$0	21
Net income	$120,000	6,546
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	2,771
Cash dividends	$10,000	3,831
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$120,000	6,380
2002-12-31 (YTD Data)		Rank
Total interest income	$4,128,000	5,803
Total interest expense	$1,723,000	5,280
Net interest income	$2,405,000	6,038
Provision for loan and lease losses	$288,000	3,564
Total noninterest income	$691,000	4,369
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$606,000	2,550
Trading account gains and fees	$0	153
Additional Noninterest Income	$85,000	6,773
Total noninterest expense	$2,359,000	5,283
Salaries and employee benefits	$1,072,000	5,889
Premises and equipment expense	$437,000	4,353
Additional noninterest expense	$850,000	4,727
Pre-tax net operating income	$449,000	6,969
Securities gains (losses)	$28,000	2,890
Applicable income taxes	$162,000	5,412
Income before extraordinary items	$315,000	7,247
Extraordinary gains, net	$0	70
Net income	$315,000	7,247
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$193,000	3,072
Cash dividends	$77,000	5,752
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$296,520	7,237
2001-12-31 (YTD Data)		Rank
Total interest income	$4,246,000	6,153
Total interest expense	$2,073,000	5,981
Net interest income	$2,173,000	6,165
Provision for loan and lease losses	$285,000	3,330
Total noninterest income	$605,000	4,555
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$534,000	2,684
Trading account gains and fees	$0	177
Additional Noninterest Income	$71,000	7,088
Total noninterest expense	$2,062,000	5,619
Salaries and employee benefits	$918,000	6,293
Premises and equipment expense	$321,000	5,315
Additional noninterest expense	$823,000	4,699
Pre-tax net operating income	$431,000	6,837
Securities gains (losses)	$0	4,612
Applicable income taxes	$156,000	5,388
Income before extraordinary items	$275,000	7,278
Extraordinary gains, net	$0	105
Net income	$275,000	7,280
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$303,000	2,227
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$275,000	7,164
2000-12-31 (YTD Data)		Rank
Total interest income	$3,567,000	6,853
Total interest expense	$1,707,000	6,771
Net interest income	$1,860,000	6,800
Provision for loan and lease losses	$116,000	5,015
Total noninterest income	$541,000	4,689
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$437,000	3,022
Trading account gains and fees	NA	NA
Additional Noninterest Income	$104,000	6,336
Total noninterest expense	$1,880,000	5,900
Salaries and employee benefits	$797,000	6,741
Premises and equipment expense	$276,000	5,691
Additional noninterest expense	$807,000	4,708
Pre-tax net operating income	$405,000	7,445
Securities gains (losses)	$0	1,956
Applicable income taxes	$89,000	6,663
Income before extraordinary items	$316,000	7,379
Extraordinary gains, net	$0	38
Net income	$316,000	7,377
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	3,807
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$316,000	7,379
1999-12-31 (YTD Data)		Rank
Total interest income	$2,848,000	7,544
Total interest expense	$1,287,000	7,434
Net interest income	$1,561,000	7,471
Provision for loan and lease losses	$163,000	4,075
Total noninterest income	$457,000	5,240
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$362,000	3,482
Trading account gains and fees	NA	NA
Additional Noninterest Income	$95,000	6,757
Total noninterest expense	$1,446,000	6,917
Salaries and employee benefits	$657,000	7,449
Premises and equipment expense	$197,000	6,860
Additional noninterest expense	$592,000	5,880
Pre-tax net operating income	$409,000	7,560
Securities gains (losses)	$0	3,155
Applicable income taxes	$9,000	8,512
Income before extraordinary items	$400,000	6,994
Extraordinary gains, net	$0	35
Net income	$400,000	6,992
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	3,685
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$65,000	829
Net operating income	$400,000	6,965
1998-12-31 (YTD Data)		Rank
Total interest income	$2,233,000	8,400
Total interest expense	$1,060,000	8,259
Net interest income	$1,173,000	8,390
Provision for loan and lease losses	$165,000	3,956
Total noninterest income	$347,000	6,034
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$270,000	4,258
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	7,275
Total noninterest expense	$1,198,000	7,559
Salaries and employee benefits	$555,000	8,019
Premises and equipment expense	$187,000	6,921
Additional noninterest expense	$456,000	6,754
Pre-tax net operating income	$157,000	9,140
Securities gains (losses)	$0	4,449
Applicable income taxes	$9,000	9,103
Income before extraordinary items	$148,000	8,992
Extraordinary gains, net	$0	32
Net income	$148,000	8,990
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	5,292
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$495,000	570
Net operating income	$148,000	8,929
1997-12-31 (YTD Data)		Rank
Total interest income	$973,000	10,326
Total interest expense	$458,000	10,199
Net interest income	$515,000	10,350
Provision for loan and lease losses	$184,000	3,621
Total noninterest income	$150,000	8,575
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$99,000	7,219
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	8,389
Total noninterest expense	$1,153,000	7,846
Salaries and employee benefits	$613,000	7,832
Premises and equipment expense	$175,000	7,289
Additional noninterest expense	$365,000	7,669
Pre-tax net operating income	$-672,000	10,793
Securities gains (losses)	$0	3,944
Applicable income taxes	$8,000	9,918
Income before extraordinary items	$-680,000	10,804
Extraordinary gains, net	$0	44
Net income	$-680,000	10,803
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$3,154,000	298
Net operating income	$-680,000	10,792

* 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.