Home > Community Bank of the Bay > Income and Expense

Community Bank of the Bay, Income and Expense

2024-09-30 (YTD Data)		Rank
Total interest income	$40,633,000	964
Total interest expense	$13,542,000	1,116
Net interest income	$27,091,000	883
Provision for loan and lease losses	$920,000	784
Total noninterest income	$1,518,000	1,976
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$180,000	2,469
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,338,000	1,677
Total noninterest expense	$18,844,000	1,031
Salaries and employee benefits	$11,619,000	952
Premises and equipment expense	$2,732,000	735
Additional noninterest expense	$1,338,000	1,677
Pre-tax net operating income	$8,845,000	1,014
Securities gains (losses)	$0	930
Applicable income taxes	$2,615,000	671
Income before extraordinary items	$6,230,000	1,153
Extraordinary gains, net	$0	51
Net income	$6,230,000	1,169
Minority interest net income	$0	82
Net income of bank and minority interests.	$6,230,000	1,155
Net charge-offs	$1,000	2,756
Cash dividends	$2,375,000	1,059
Sale, conversion, retirement of capital stock, net	$0	527
Net operating income	$6,230,000	1,165
2024-06-30 (YTD Data)		Rank
Total interest income	$26,887,000	965
Total interest expense	$8,809,000	1,122
Net interest income	$18,078,000	875
Provision for loan and lease losses	$433,000	910
Total noninterest income	$1,081,000	1,879
Gross Fiduciary activities income	$0	962
Service charges on deposit accounts	$118,000	2,469
Trading account gains and fees	NA	NA
Additional Noninterest Income	$963,000	1,585
Total noninterest expense	$12,840,000	1,014
Salaries and employee benefits	$7,862,000	949
Premises and equipment expense	$1,845,000	728
Additional noninterest expense	$963,000	1,585
Pre-tax net operating income	$5,886,000	1,002
Securities gains (losses)	$0	628
Applicable income taxes	$1,740,000	673
Income before extraordinary items	$4,146,000	1,145
Extraordinary gains, net	$0	52
Net income	$4,146,000	1,161
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,146,000	1,147
Net charge-offs	$11,000	2,002
Cash dividends	$1,178,000	1,306
Sale, conversion, retirement of capital stock, net	$0	496
Net operating income	$4,146,000	1,154
2024-03-31 (YTD Data)		Rank
Total interest income	$12,725,000	1,001
Total interest expense	$4,353,000	1,111
Net interest income	$8,372,000	952
Provision for loan and lease losses	$433,000	535
Total noninterest income	$830,000	1,460
Gross Fiduciary activities income	$0	895
Service charges on deposit accounts	$53,000	2,585
Trading account gains and fees	NA	NA
Additional Noninterest Income	$777,000	1,148
Total noninterest expense	$6,282,000	1,037
Salaries and employee benefits	$3,928,000	957
Premises and equipment expense	$927,000	735
Additional noninterest expense	$777,000	1,148
Pre-tax net operating income	$2,487,000	1,118
Securities gains (losses)	$0	689
Applicable income taxes	$735,000	736
Income before extraordinary items	$1,752,000	1,279
Extraordinary gains, net	$0	51
Net income	$1,752,000	1,291
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,752,000	1,279
Net charge-offs	$16,000	1,375
Cash dividends	$654,000	1,109
Sale, conversion, retirement of capital stock, net	$0	434
Net operating income	$1,752,000	1,284
2023-12-31 (YTD Data)		Rank
Total interest income	$50,609,000	921
Total interest expense	$18,374,000	832
Net interest income	$32,235,000	977
Provision for loan and lease losses	$450,000	1,351
Total noninterest income	$3,835,000	1,399
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$224,000	2,546
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,611,000	1,114
Total noninterest expense	$23,506,000	1,070
Salaries and employee benefits	$13,692,000	1,031
Premises and equipment expense	$3,427,000	774
Additional noninterest expense	$3,611,000	1,114
Pre-tax net operating income	$12,114,000	1,001
Securities gains (losses)	$0	988
Applicable income taxes	$3,432,000	688
Income before extraordinary items	$8,682,000	1,139
Extraordinary gains, net	$0	54
Net income	$8,682,000	1,153
Minority interest net income	$0	88
Net income of bank and minority interests.	$8,682,000	1,142
Net charge-offs	$751,000	616
Cash dividends	$3,570,000	1,032
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$8,682,000	1,157
2023-09-30 (YTD Data)		Rank
Total interest income	$37,205,000	923
Total interest expense	$13,326,000	797
Net interest income	$23,879,000	987
Provision for loan and lease losses	$580,000	920
Total noninterest income	$3,598,000	1,222
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$177,000	2,509
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,421,000	949
Total noninterest expense	$16,705,000	1,099
Salaries and employee benefits	$9,922,000	1,078
Premises and equipment expense	$2,431,000	807
Additional noninterest expense	$3,421,000	949
Pre-tax net operating income	$10,192,000	955
Securities gains (losses)	$0	849
Applicable income taxes	$2,962,000	655
Income before extraordinary items	$7,230,000	1,093
Extraordinary gains, net	$0	52
Net income	$7,230,000	1,098
Minority interest net income	$0	81
Net income of bank and minority interests.	$7,230,000	1,093
Net charge-offs	$692,000	498
Cash dividends	$1,500,000	1,357
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$7,230,000	1,114
2023-06-30 (YTD Data)		Rank
Total interest income	$23,840,000	927
Total interest expense	$8,263,000	780
Net interest income	$15,577,000	1,011
Provision for loan and lease losses	$-73,000	4,433
Total noninterest income	$363,000	3,057
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$122,000	2,460
Trading account gains and fees	NA	NA
Additional Noninterest Income	$241,000	2,979
Total noninterest expense	$10,372,000	1,166
Salaries and employee benefits	$6,381,000	1,094
Premises and equipment expense	$1,519,000	842
Additional noninterest expense	$241,000	2,972
Pre-tax net operating income	$5,641,000	1,106
Securities gains (losses)	$0	938
Applicable income taxes	$1,616,000	748
Income before extraordinary items	$4,025,000	1,243
Extraordinary gains, net	$0	51
Net income	$4,025,000	1,254
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,025,000	1,243
Net charge-offs	$121,000	853
Cash dividends	$1,000,000	1,361
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$4,025,000	1,260
2023-03-31 (YTD Data)		Rank
Total interest income	$11,495,000	946
Total interest expense	$3,818,000	754
Net interest income	$7,677,000	1,028
Provision for loan and lease losses	$39,000	1,835
Total noninterest income	$195,000	2,981
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$60,000	2,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$135,000	2,849
Total noninterest expense	$4,952,000	1,217
Salaries and employee benefits	$3,163,000	1,130
Premises and equipment expense	$695,000	953
Additional noninterest expense	$135,000	2,849
Pre-tax net operating income	$2,881,000	1,110
Securities gains (losses)	$0	950
Applicable income taxes	$811,000	768
Income before extraordinary items	$2,070,000	1,246
Extraordinary gains, net	$0	4
Net income	$2,070,000	1,246
Minority interest net income	$0	48
Net income of bank and minority interests.	$2,070,000	1,246
Net charge-offs	$150,000	499
Cash dividends	$500,000	1,222
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$2,070,000	1,272
2022-12-31 (YTD Data)		Rank
Total interest income	$35,067,000	1,003
Total interest expense	$4,684,000	830
Net interest income	$30,383,000	1,025
Provision for loan and lease losses	$400,000	1,341
Total noninterest income	$851,000	2,994
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$154,000	3,031
Trading account gains and fees	NA	NA
Additional Noninterest Income	$697,000	2,725
Total noninterest expense	$18,602,000	1,258
Salaries and employee benefits	$11,320,000	1,198
Premises and equipment expense	$2,696,000	944
Additional noninterest expense	$697,000	2,725
Pre-tax net operating income	$12,232,000	1,096
Securities gains (losses)	$0	691
Applicable income taxes	$3,570,000	741
Income before extraordinary items	$8,662,000	1,231
Extraordinary gains, net	$0	5
Net income	$8,662,000	1,230
Minority interest net income	$0	63
Net income of bank and minority interests.	$8,662,000	1,231
Net charge-offs	$-209,000	4,444
Cash dividends	$4,600,000	837
Sale, conversion, retirement of capital stock, net	$119,369,000	13
Net operating income	$8,662,000	1,251
2022-09-30 (YTD Data)		Rank
Total interest income	$23,912,000	1,052
Total interest expense	$2,329,000	879
Net interest income	$21,583,000	1,055
Provision for loan and lease losses	$400,000	1,087
Total noninterest income	$652,000	3,007
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$113,000	3,072
Trading account gains and fees	NA	NA
Additional Noninterest Income	$539,000	2,717
Total noninterest expense	$13,475,000	1,281
Salaries and employee benefits	$8,234,000	1,223
Premises and equipment expense	$1,966,000	963
Additional noninterest expense	$539,000	2,717
Pre-tax net operating income	$8,360,000	1,172
Securities gains (losses)	$0	740
Applicable income taxes	$2,437,000	795
Income before extraordinary items	$5,923,000	1,302
Extraordinary gains, net	$0	4
Net income	$5,923,000	1,301
Minority interest net income	$0	57
Net income of bank and minority interests.	$5,923,000	1,302
Net charge-offs	$-230,000	4,502
Cash dividends	$4,100,000	674
Sale, conversion, retirement of capital stock, net	$119,369,000	9
Net operating income	$5,923,000	1,328
2022-06-30 (YTD Data)		Rank
Total interest income	$14,721,000	1,079
Total interest expense	$953,000	1,182
Net interest income	$13,768,000	1,066
Provision for loan and lease losses	$400,000	782
Total noninterest income	$489,000	2,852
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$73,000	3,109
Trading account gains and fees	NA	NA
Additional Noninterest Income	$416,000	2,587
Total noninterest expense	$8,756,000	1,301
Salaries and employee benefits	$5,391,000	1,235
Premises and equipment expense	$1,211,000	1,020
Additional noninterest expense	$2,154,000	1,523
Pre-tax net operating income	$5,101,000	1,193
Securities gains (losses)	$0	687
Applicable income taxes	$1,485,000	797
Income before extraordinary items	$3,616,000	1,320
Extraordinary gains, net	$0	4
Net income	$3,616,000	1,319
Minority interest net income	$0	60
Net income of bank and minority interests.	$3,616,000	1,320
Net charge-offs	$-221,000	4,571
Cash dividends	$1,100,000	1,259
Sale, conversion, retirement of capital stock, net	$119,413,000	8
Net operating income	$3,616,000	1,350
2022-03-31 (YTD Data)		Rank
Total interest income	$6,932,000	1,105
Total interest expense	$409,000	1,296
Net interest income	$6,523,000	1,084
Provision for loan and lease losses	$0	2,285
Total noninterest income	$148,000	3,363
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$34,000	3,162
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	3,149
Total noninterest expense	$4,271,000	1,323
Salaries and employee benefits	$2,632,000	1,261
Premises and equipment expense	$606,000	1,027
Additional noninterest expense	$1,033,000	1,533
Pre-tax net operating income	$2,400,000	1,187
Securities gains (losses)	$0	623
Applicable income taxes	$699,000	806
Income before extraordinary items	$1,701,000	1,338
Extraordinary gains, net	$0	4
Net income	$1,701,000	1,338
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,701,000	1,338
Net charge-offs	$-219,000	4,676
Cash dividends	$400,000	1,311
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,701,000	1,353
2021-12-31 (YTD Data)		Rank
Total interest income	$26,450,000	1,175
Total interest expense	$1,775,000	1,456
Net interest income	$24,675,000	1,142
Provision for loan and lease losses	$850,000	694
Total noninterest income	$2,490,000	2,004
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$116,000	3,291
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,374,000	1,736
Total noninterest expense	$15,303,000	1,424
Salaries and employee benefits	$9,218,000	1,383
Premises and equipment expense	$2,238,000	1,095
Additional noninterest expense	$3,847,000	1,620
Pre-tax net operating income	$11,012,000	1,193
Securities gains (losses)	$0	2,062
Applicable income taxes	$3,191,000	819
Income before extraordinary items	$7,821,000	1,363
Extraordinary gains, net	$0	10
Net income	$7,821,000	1,363
Minority interest net income	$0	74
Net income of bank and minority interests.	$7,821,000	1,363
Net charge-offs	$276,000	874
Cash dividends	$1,227,000	2,009
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$7,821,000	1,347
2021-09-30 (YTD Data)		Rank
Total interest income	$19,363,000	1,218
Total interest expense	$1,381,000	1,497
Net interest income	$17,982,000	1,193
Provision for loan and lease losses	$650,000	656
Total noninterest income	$2,300,000	1,828
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$83,000	3,368
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,217,000	1,560
Total noninterest expense	$11,191,000	1,468
Salaries and employee benefits	$6,709,000	1,426
Premises and equipment expense	$1,655,000	1,120
Additional noninterest expense	$2,827,000	1,659
Pre-tax net operating income	$8,441,000	1,218
Securities gains (losses)	$0	2,015
Applicable income taxes	$2,443,000	857
Income before extraordinary items	$5,998,000	1,412
Extraordinary gains, net	$0	8
Net income	$5,998,000	1,411
Minority interest net income	$0	69
Net income of bank and minority interests.	$5,998,000	1,412
Net charge-offs	$277,000	674
Cash dividends	$852,000	1,871
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$5,998,000	1,388
2021-06-30 (YTD Data)		Rank
Total interest income	$12,395,000	1,262
Total interest expense	$949,000	1,518
Net interest income	$11,446,000	1,229
Provision for loan and lease losses	$500,000	605
Total noninterest income	$2,418,000	1,365
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$52,000	3,404
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,366,000	1,147
Total noninterest expense	$7,240,000	1,496
Salaries and employee benefits	$4,383,000	1,433
Premises and equipment expense	$1,084,000	1,131
Additional noninterest expense	$1,773,000	1,716
Pre-tax net operating income	$6,124,000	1,130
Securities gains (losses)	$0	1,818
Applicable income taxes	$1,772,000	799
Income before extraordinary items	$4,352,000	1,309
Extraordinary gains, net	$0	6
Net income	$4,352,000	1,309
Minority interest net income	$0	67
Net income of bank and minority interests.	$4,352,000	1,309
Net charge-offs	$277,000	533
Cash dividends	$352,000	2,233
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$4,352,000	1,282
2021-03-31 (YTD Data)		Rank
Total interest income	$6,470,000	1,223
Total interest expense	$493,000	1,537
Net interest income	$5,977,000	1,185
Provision for loan and lease losses	$250,000	680
Total noninterest income	$312,000	2,761
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$25,000	3,441
Trading account gains and fees	NA	NA
Additional Noninterest Income	$287,000	2,502
Total noninterest expense	$3,562,000	1,501
Salaries and employee benefits	$2,182,000	1,442
Premises and equipment expense	$539,000	1,148
Additional noninterest expense	$841,000	1,763
Pre-tax net operating income	$2,477,000	1,312
Securities gains (losses)	$0	1,392
Applicable income taxes	$707,000	912
Income before extraordinary items	$1,770,000	1,530
Extraordinary gains, net	$0	3
Net income	$1,770,000	1,530
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,770,000	1,530
Net charge-offs	$279,000	356
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,770,000	1,492
2020-12-31 (YTD Data)		Rank
Total interest income	$23,224,000	1,306
Total interest expense	$3,246,000	1,392
Net interest income	$19,978,000	1,283
Provision for loan and lease losses	$1,600,000	1,201
Total noninterest income	$1,264,000	2,621
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$154,000	3,077
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,110,000	2,372
Total noninterest expense	$12,508,000	1,648
Salaries and employee benefits	$7,093,000	1,671
Premises and equipment expense	$1,884,000	1,243
Additional noninterest expense	$3,531,000	1,685
Pre-tax net operating income	$7,134,000	1,362
Securities gains (losses)	$0	2,675
Applicable income taxes	$2,182,000	889
Income before extraordinary items	$4,952,000	1,647
Extraordinary gains, net	$0	4
Net income	$4,952,000	1,647
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,952,000	1,647
Net charge-offs	$8,000	3,088
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$471,000	277
Net operating income	$4,952,000	1,601
2020-09-30 (YTD Data)		Rank
Total interest income	$16,806,000	1,357
Total interest expense	$2,605,000	1,377
Net interest income	$14,201,000	1,342
Provision for loan and lease losses	$1,250,000	1,186
Total noninterest income	$1,041,000	2,476
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$129,000	2,959
Trading account gains and fees	NA	NA
Additional Noninterest Income	$912,000	2,238
Total noninterest expense	$9,213,000	1,658
Salaries and employee benefits	$5,215,000	1,681
Premises and equipment expense	$1,386,000	1,275
Additional noninterest expense	$2,612,000	1,684
Pre-tax net operating income	$4,779,000	1,451
Securities gains (losses)	$0	2,494
Applicable income taxes	$1,475,000	911
Income before extraordinary items	$3,304,000	1,770
Extraordinary gains, net	$0	4
Net income	$3,304,000	1,770
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,304,000	1,770
Net charge-offs	$9,000	2,770
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$413,000	238
Net operating income	$3,304,000	1,724
2020-06-30 (YTD Data)		Rank
Total interest income	$11,221,000	1,379
Total interest expense	$1,903,000	1,365
Net interest income	$9,318,000	1,361
Provision for loan and lease losses	$1,000,000	1,077
Total noninterest income	$610,000	2,589
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$105,000	2,762
Trading account gains and fees	NA	NA
Additional Noninterest Income	$505,000	2,361
Total noninterest expense	$5,937,000	1,696
Salaries and employee benefits	$3,324,000	1,732
Premises and equipment expense	$864,000	1,343
Additional noninterest expense	$1,749,000	1,682
Pre-tax net operating income	$2,991,000	1,452
Securities gains (losses)	$0	2,249
Applicable income taxes	$928,000	880
Income before extraordinary items	$2,063,000	1,800
Extraordinary gains, net	$0	4
Net income	$2,063,000	1,801
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,063,000	1,801
Net charge-offs	$-8,000	4,259
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$292,000	217
Net operating income	$2,063,000	1,750
2020-03-31 (YTD Data)		Rank
Total interest income	$5,719,000	1,341
Total interest expense	$1,061,000	1,369
Net interest income	$4,658,000	1,330
Provision for loan and lease losses	$500,000	883
Total noninterest income	$462,000	2,021
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$58,000	2,887
Trading account gains and fees	NA	NA
Additional Noninterest Income	$404,000	1,723
Total noninterest expense	$3,328,000	1,537
Salaries and employee benefits	$2,045,000	1,469
Premises and equipment expense	$405,000	1,430
Additional noninterest expense	$878,000	1,690
Pre-tax net operating income	$1,292,000	1,488
Securities gains (losses)	$0	1,705
Applicable income taxes	$406,000	863
Income before extraordinary items	$886,000	1,833
Extraordinary gains, net	$0	4
Net income	$886,000	1,833
Minority interest net income	$0	56
Net income of bank and minority interests.	$886,000	1,833
Net charge-offs	$-7,000	4,334
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$185,000	188
Net operating income	$886,000	1,803
2019-12-31 (YTD Data)		Rank
Total interest income	$21,883,000	1,413
Total interest expense	$3,947,000	1,490
Net interest income	$17,936,000	1,362
Provision for loan and lease losses	$600,000	1,331
Total noninterest income	$968,000	2,871
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$299,000	2,616
Trading account gains and fees	NA	NA
Additional Noninterest Income	$669,000	2,720
Total noninterest expense	$12,350,000	1,607
Salaries and employee benefits	$6,913,000	1,651
Premises and equipment expense	$1,819,000	1,257
Additional noninterest expense	$3,618,000	1,636
Pre-tax net operating income	$5,954,000	1,543
Securities gains (losses)	$0	2,379
Applicable income taxes	$1,880,000	938
Income before extraordinary items	$4,074,000	1,856
Extraordinary gains, net	$0	11
Net income	$4,074,000	1,858
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,074,000	1,858
Net charge-offs	$-106,000	4,909
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$4,069,000	105
Net operating income	$4,074,000	1,825
2019-09-30 (YTD Data)		Rank
Total interest income	$16,073,000	1,451
Total interest expense	$2,834,000	1,551
Net interest income	$13,239,000	1,398
Provision for loan and lease losses	$550,000	1,073
Total noninterest income	$750,000	2,836
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$232,000	2,592
Trading account gains and fees	NA	NA
Additional Noninterest Income	$518,000	2,708
Total noninterest expense	$9,043,000	1,652
Salaries and employee benefits	$5,060,000	1,700
Premises and equipment expense	$1,361,000	1,270
Additional noninterest expense	$2,622,000	1,680
Pre-tax net operating income	$4,396,000	1,602
Securities gains (losses)	$0	2,167
Applicable income taxes	$1,386,000	984
Income before extraordinary items	$3,010,000	1,932
Extraordinary gains, net	$0	11
Net income	$3,010,000	1,932
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,010,000	1,933
Net charge-offs	$-107,000	4,985
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$3,860,000	82
Net operating income	$3,010,000	1,896
2019-06-30 (YTD Data)		Rank
Total interest income	$10,218,000	1,504
Total interest expense	$1,780,000	1,595
Net interest income	$8,438,000	1,449
Provision for loan and lease losses	$350,000	1,094
Total noninterest income	$348,000	3,248
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$167,000	2,457
Trading account gains and fees	NA	NA
Additional Noninterest Income	$181,000	3,380
Total noninterest expense	$5,927,000	1,690
Salaries and employee benefits	$3,341,000	1,717
Premises and equipment expense	$903,000	1,285
Additional noninterest expense	$1,683,000	1,754
Pre-tax net operating income	$2,509,000	1,789
Securities gains (losses)	$0	1,702
Applicable income taxes	$797,000	1,057
Income before extraordinary items	$1,712,000	2,148
Extraordinary gains, net	$0	11
Net income	$1,712,000	2,146
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,712,000	2,148
Net charge-offs	$-74,000	5,002
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$3,742,000	52
Net operating income	$1,712,000	2,121
2019-03-31 (YTD Data)		Rank
Total interest income	$4,908,000	1,550
Total interest expense	$832,000	1,623
Net interest income	$4,076,000	1,496
Provision for loan and lease losses	$150,000	1,133
Total noninterest income	$171,000	3,245
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$83,000	2,464
Trading account gains and fees	NA	NA
Additional Noninterest Income	$88,000	3,382
Total noninterest expense	$2,951,000	1,690
Salaries and employee benefits	$1,705,000	1,696
Premises and equipment expense	$441,000	1,333
Additional noninterest expense	$805,000	1,810
Pre-tax net operating income	$1,146,000	1,870
Securities gains (losses)	$0	1,087
Applicable income taxes	$364,000	1,117
Income before extraordinary items	$782,000	2,223
Extraordinary gains, net	$0	5
Net income	$782,000	2,222
Minority interest net income	$0	52
Net income of bank and minority interests.	$782,000	2,222
Net charge-offs	$-74,000	5,148
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$2,311,000	35
Net operating income	$782,000	2,205
2018-12-31 (YTD Data)		Rank
Total interest income	$15,995,000	1,770
Total interest expense	$2,236,000	1,794
Net interest income	$13,759,000	1,731
Provision for loan and lease losses	$300,000	1,959
Total noninterest income	$1,601,000	2,258
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$320,000	2,647
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,281,000	1,970
Total noninterest expense	$10,898,000	1,764
Salaries and employee benefits	$6,152,000	1,769
Premises and equipment expense	$1,592,000	1,416
Additional noninterest expense	$3,154,000	1,830
Pre-tax net operating income	$4,162,000	2,053
Securities gains (losses)	$0	1,125
Applicable income taxes	$1,335,000	1,147
Income before extraordinary items	$2,827,000	2,399
Extraordinary gains, net	$0	6
Net income	$2,827,000	2,398
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,827,000	2,398
Net charge-offs	$374,000	1,164
Cash dividends	$72,000	3,882
Sale, conversion, retirement of capital stock, net	$7,283,000	84
Net operating income	$2,827,000	2,400
2018-09-30 (YTD Data)		Rank
Total interest income	$11,334,000	1,836
Total interest expense	$1,487,000	1,882
Net interest income	$9,847,000	1,804
Provision for loan and lease losses	$100,000	2,576
Total noninterest income	$1,192,000	2,281
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$237,000	2,678
Trading account gains and fees	NA	NA
Additional Noninterest Income	$955,000	1,987
Total noninterest expense	$7,922,000	1,814
Salaries and employee benefits	$4,360,000	1,864
Premises and equipment expense	$1,191,000	1,428
Additional noninterest expense	$2,371,000	1,827
Pre-tax net operating income	$3,017,000	2,118
Securities gains (losses)	$0	1,118
Applicable income taxes	$965,000	1,197
Income before extraordinary items	$2,052,000	2,473
Extraordinary gains, net	$0	5
Net income	$2,052,000	2,472
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,052,000	2,472
Net charge-offs	$243,000	1,118
Cash dividends	$61,000	3,474
Sale, conversion, retirement of capital stock, net	$313,000	298
Net operating income	$2,052,000	2,467
2018-06-30 (YTD Data)		Rank
Total interest income	$7,067,000	1,924
Total interest expense	$780,000	2,125
Net interest income	$6,287,000	1,867
Provision for loan and lease losses	$100,000	2,173
Total noninterest income	$1,026,000	1,983
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$155,000	2,712
Trading account gains and fees	NA	NA
Additional Noninterest Income	$871,000	1,656
Total noninterest expense	$4,978,000	1,922
Salaries and employee benefits	$2,833,000	1,906
Premises and equipment expense	$790,000	1,449
Additional noninterest expense	$1,355,000	2,109
Pre-tax net operating income	$2,235,000	1,930
Securities gains (losses)	$0	961
Applicable income taxes	$708,000	1,115
Income before extraordinary items	$1,527,000	2,277
Extraordinary gains, net	$0	6
Net income	$1,527,000	2,275
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,527,000	2,276
Net charge-offs	$-92,000	5,180
Cash dividends	$40,000	3,383
Sale, conversion, retirement of capital stock, net	$192,000	290
Net operating income	$1,527,000	2,277
2018-03-31 (YTD Data)		Rank
Total interest income	$3,264,000	2,043
Total interest expense	$297,000	2,480
Net interest income	$2,967,000	1,966
Provision for loan and lease losses	$0	3,508
Total noninterest income	$175,000	3,361
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$75,000	2,780
Trading account gains and fees	NA	NA
Additional Noninterest Income	$100,000	3,345
Total noninterest expense	$2,370,000	2,011
Salaries and employee benefits	$1,368,000	1,981
Premises and equipment expense	$380,000	1,531
Additional noninterest expense	$622,000	2,216
Pre-tax net operating income	$772,000	2,440
Securities gains (losses)	$0	735
Applicable income taxes	$243,000	1,390
Income before extraordinary items	$529,000	2,804
Extraordinary gains, net	$0	7
Net income	$529,000	2,804
Minority interest net income	$0	52
Net income of bank and minority interests.	$529,000	2,804
Net charge-offs	$-31,000	5,106
Cash dividends	$20,000	2,713
Sale, conversion, retirement of capital stock, net	$75,000	286
Net operating income	$529,000	2,792
2017-12-31 (YTD Data)		Rank
Total interest income	$11,200,000	2,240
Total interest expense	$936,000	2,663
Net interest income	$10,264,000	2,180
Provision for loan and lease losses	$325,000	1,888
Total noninterest income	$1,148,000	2,748
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$242,000	3,182
Trading account gains and fees	NA	NA
Additional Noninterest Income	$906,000	2,403
Total noninterest expense	$8,113,000	2,240
Salaries and employee benefits	$4,238,000	2,375
Premises and equipment expense	$1,389,000	1,628
Additional noninterest expense	$2,486,000	2,262
Pre-tax net operating income	$2,974,000	2,493
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,747,000	1,399
Income before extraordinary items	$1,227,000	3,444
Extraordinary gains, net	$0	9
Net income	$1,227,000	3,442
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,227,000	3,444
Net charge-offs	$24,000	3,347
Cash dividends	$81,000	3,956
Sale, conversion, retirement of capital stock, net	$11,683,000	57
Net operating income	$1,227,000	3,427
2017-09-30 (YTD Data)		Rank
Total interest income	$8,149,000	2,290
Total interest expense	$690,000	2,667
Net interest income	$7,459,000	2,245
Provision for loan and lease losses	$225,000	1,898
Total noninterest income	$712,000	3,049
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$183,000	3,190
Trading account gains and fees	NA	NA
Additional Noninterest Income	$529,000	2,741
Total noninterest expense	$5,981,000	2,282
Salaries and employee benefits	$3,106,000	2,419
Premises and equipment expense	$1,023,000	1,657
Additional noninterest expense	$1,852,000	2,271
Pre-tax net operating income	$1,965,000	2,735
Securities gains (losses)	$0	2,274
Applicable income taxes	$785,000	1,687
Income before extraordinary items	$1,180,000	3,239
Extraordinary gains, net	$0	9
Net income	$1,180,000	3,238
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,180,000	3,239
Net charge-offs	$-4,000	4,505
Cash dividends	$61,000	3,536
Sale, conversion, retirement of capital stock, net	$11,600,000	47
Net operating income	$1,180,000	3,215
2017-06-30 (YTD Data)		Rank
Total interest income	$5,246,000	2,330
Total interest expense	$467,000	2,607
Net interest income	$4,779,000	2,295
Provision for loan and lease losses	$125,000	1,998
Total noninterest income	$332,000	3,572
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$61,000	4,159
Trading account gains and fees	NA	NA
Additional Noninterest Income	$271,000	3,074
Total noninterest expense	$3,962,000	2,298
Salaries and employee benefits	$2,033,000	2,457
Premises and equipment expense	$680,000	1,677
Additional noninterest expense	$1,249,000	2,244
Pre-tax net operating income	$1,024,000	3,089
Securities gains (losses)	$0	1,906
Applicable income taxes	$409,000	1,872
Income before extraordinary items	$615,000	3,630
Extraordinary gains, net	$0	11
Net income	$615,000	3,628
Minority interest net income	$0	71
Net income of bank and minority interests.	$615,000	3,630
Net charge-offs	$234,000	960
Cash dividends	$41,000	3,427
Sale, conversion, retirement of capital stock, net	$11,523,000	33
Net operating income	$615,000	3,605
2017-03-31 (YTD Data)		Rank
Total interest income	$2,497,000	2,426
Total interest expense	$236,000	2,559
Net interest income	$2,261,000	2,395
Provision for loan and lease losses	$50,000	2,060
Total noninterest income	$163,000	3,588
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$43,000	3,709
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	3,217
Total noninterest expense	$2,029,000	2,280
Salaries and employee benefits	$1,099,000	2,359
Premises and equipment expense	$335,000	1,711
Additional noninterest expense	$595,000	2,338
Pre-tax net operating income	$345,000	3,641
Securities gains (losses)	$0	1,153
Applicable income taxes	$138,000	2,191
Income before extraordinary items	$207,000	4,084
Extraordinary gains, net	$0	8
Net income	$207,000	4,083
Minority interest net income	$0	55
Net income of bank and minority interests.	$207,000	4,084
Net charge-offs	$243,000	533
Cash dividends	$20,000	2,785
Sale, conversion, retirement of capital stock, net	$12,071,000	17
Net operating income	$207,000	4,068
2016-12-31 (YTD Data)		Rank
Total interest income	$10,734,000	2,276
Total interest expense	$823,000	2,771
Net interest income	$9,911,000	2,203
Provision for loan and lease losses	$0	4,332
Total noninterest income	$1,497,000	2,500
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$250,000	3,269
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,247,000	2,131
Total noninterest expense	$8,431,000	2,197
Salaries and employee benefits	$4,454,000	2,292
Premises and equipment expense	$1,352,000	1,674
Additional noninterest expense	$2,625,000	2,211
Pre-tax net operating income	$2,977,000	2,406
Securities gains (losses)	$0	3,212
Applicable income taxes	$1,188,000	1,485
Income before extraordinary items	$1,789,000	2,980
Extraordinary gains, net	$0	5
Net income	$1,789,000	2,979
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,789,000	2,979
Net charge-offs	$314,000	1,476
Cash dividends	$81,000	4,034
Sale, conversion, retirement of capital stock, net	$627,000	251
Net operating income	$1,789,000	2,931
2016-09-30 (YTD Data)		Rank
Total interest income	$7,989,000	2,287
Total interest expense	$592,000	2,844
Net interest income	$7,397,000	2,208
Provision for loan and lease losses	$0	4,186
Total noninterest income	$1,193,000	2,412
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$182,000	3,329
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,011,000	2,030
Total noninterest expense	$6,199,000	2,228
Salaries and employee benefits	$3,215,000	2,359
Premises and equipment expense	$1,043,000	1,633
Additional noninterest expense	$1,941,000	2,233
Pre-tax net operating income	$2,391,000	2,328
Securities gains (losses)	$-1,000	5,663
Applicable income taxes	$958,000	1,451
Income before extraordinary items	$1,432,000	2,895
Extraordinary gains, net	$0	5
Net income	$1,432,000	2,895
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,432,000	2,895
Net charge-offs	$300,000	1,134
Cash dividends	$61,000	3,611
Sale, conversion, retirement of capital stock, net	$479,000	225
Net operating income	$1,432,640	2,843
2016-06-30 (YTD Data)		Rank
Total interest income	$5,328,000	2,289
Total interest expense	$383,000	2,901
Net interest income	$4,945,000	2,205
Provision for loan and lease losses	$0	4,017
Total noninterest income	$869,000	2,273
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$128,000	3,222
Trading account gains and fees	$0	157
Additional Noninterest Income	$741,000	1,882
Total noninterest expense	$4,175,000	2,227
Salaries and employee benefits	$2,165,000	2,351
Premises and equipment expense	$689,000	1,639
Additional noninterest expense	$1,321,000	2,216
Pre-tax net operating income	$1,639,000	2,248
Securities gains (losses)	$-1,000	5,765
Applicable income taxes	$657,000	1,416
Income before extraordinary items	$981,000	2,836
Extraordinary gains, net	$0	16
Net income	$981,000	2,834
Minority interest net income	$0	71
Net income of bank and minority interests.	$981,000	2,835
Net charge-offs	$253,000	976
Cash dividends	$41,000	3,511
Sale, conversion, retirement of capital stock, net	$392,000	198
Net operating income	$981,640	2,767
2016-03-31 (YTD Data)		Rank
Total interest income	$2,691,000	2,266
Total interest expense	$196,000	2,877
Net interest income	$2,495,000	2,182
Provision for loan and lease losses	$0	3,656
Total noninterest income	$505,000	2,057
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$66,000	3,163
Trading account gains and fees	$0	142
Additional Noninterest Income	$439,000	1,650
Total noninterest expense	$1,975,000	2,332
Salaries and employee benefits	$1,063,000	2,396
Premises and equipment expense	$349,000	1,641
Additional noninterest expense	$563,000	2,519
Pre-tax net operating income	$1,025,000	1,886
Securities gains (losses)	$0	2,077
Applicable income taxes	$412,000	1,215
Income before extraordinary items	$613,000	2,410
Extraordinary gains, net	$0	12
Net income	$613,000	2,410
Minority interest net income	$0	62
Net income of bank and minority interests.	$613,000	2,410
Net charge-offs	$180,000	715
Cash dividends	$20,000	2,804
Sale, conversion, retirement of capital stock, net	$321,000	133
Net operating income	$613,000	2,359
2015-12-31 (YTD Data)		Rank
Total interest income	$10,430,000	2,289
Total interest expense	$793,000	2,837
Net interest income	$9,637,000	2,225
Provision for loan and lease losses	$1,250,000	662
Total noninterest income	$1,960,000	2,142
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$367,000	2,684
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,593,000	1,783
Total noninterest expense	$8,166,000	2,254
Salaries and employee benefits	$4,272,000	2,348
Premises and equipment expense	$1,350,000	1,689
Additional noninterest expense	$2,544,000	2,309
Pre-tax net operating income	$2,181,000	2,855
Securities gains (losses)	$40,000	1,793
Applicable income taxes	$889,000	1,696
Income before extraordinary items	$1,332,000	3,441
Extraordinary gains, net	$0	23
Net income	$1,332,000	3,439
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,332,000	3,441
Net charge-offs	$545,000	1,096
Cash dividends	$81,000	4,054
Sale, conversion, retirement of capital stock, net	$363,000	352
Net operating income	$1,306,400	3,424
2015-09-30 (YTD Data)		Rank
Total interest income	$7,738,000	2,325
Total interest expense	$594,000	2,878
Net interest income	$7,144,000	2,264
Provision for loan and lease losses	$400,000	1,230
Total noninterest income	$1,335,000	2,280
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$286,000	2,618
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,049,000	1,967
Total noninterest expense	$6,015,000	2,288
Salaries and employee benefits	$3,183,000	2,357
Premises and equipment expense	$986,000	1,751
Additional noninterest expense	$1,846,000	2,371
Pre-tax net operating income	$2,064,000	2,516
Securities gains (losses)	$40,000	1,615
Applicable income taxes	$859,000	1,512
Income before extraordinary items	$1,245,000	3,110
Extraordinary gains, net	$0	21
Net income	$1,245,000	3,110
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,245,000	3,111
Net charge-offs	$54,000	2,717
Cash dividends	$61,000	3,610
Sale, conversion, retirement of capital stock, net	$276,000	317
Net operating income	$1,219,400	3,093
2015-06-30 (YTD Data)		Rank
Total interest income	$5,147,000	2,329
Total interest expense	$395,000	2,901
Net interest income	$4,752,000	2,250
Provision for loan and lease losses	$350,000	1,003
Total noninterest income	$874,000	2,302
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$207,000	2,445
Trading account gains and fees	$0	157
Additional Noninterest Income	$667,000	2,028
Total noninterest expense	$3,977,000	2,312
Salaries and employee benefits	$2,116,000	2,389
Premises and equipment expense	$653,000	1,772
Additional noninterest expense	$1,208,000	2,414
Pre-tax net operating income	$1,299,000	2,589
Securities gains (losses)	$40,000	1,361
Applicable income taxes	$540,000	1,550
Income before extraordinary items	$799,000	3,165
Extraordinary gains, net	$0	22
Net income	$799,000	3,165
Minority interest net income	$0	75
Net income of bank and minority interests.	$799,000	3,166
Net charge-offs	$133,000	1,469
Cash dividends	$40,000	3,497
Sale, conversion, retirement of capital stock, net	$162,000	317
Net operating income	$773,400	3,165
2015-03-31 (YTD Data)		Rank
Total interest income	$2,512,000	2,372
Total interest expense	$189,000	3,011
Net interest income	$2,323,000	2,300
Provision for loan and lease losses	$200,000	888
Total noninterest income	$540,000	2,008
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$120,000	2,165
Trading account gains and fees	$0	152
Additional Noninterest Income	$420,000	1,704
Total noninterest expense	$1,935,000	2,374
Salaries and employee benefits	$1,067,000	2,370
Premises and equipment expense	$328,000	1,792
Additional noninterest expense	$540,000	2,630
Pre-tax net operating income	$728,000	2,362
Securities gains (losses)	$40,000	939
Applicable income taxes	$309,000	1,413
Income before extraordinary items	$459,000	2,880
Extraordinary gains, net	$0	13
Net income	$459,000	2,883
Minority interest net income	$0	64
Net income of bank and minority interests.	$459,000	2,883
Net charge-offs	$145,000	889
Cash dividends	$20,000	2,778
Sale, conversion, retirement of capital stock, net	$84,000	282
Net operating income	$433,400	2,918
2014-12-31 (YTD Data)		Rank
Total interest income	$8,563,000	2,745
Total interest expense	$692,000	3,339
Net interest income	$7,871,000	2,666
Provision for loan and lease losses	$400,000	1,663
Total noninterest income	$1,716,000	2,330
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$449,000	2,464
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,267,000	2,000
Total noninterest expense	$7,028,000	2,609
Salaries and employee benefits	$3,770,000	2,620
Premises and equipment expense	$1,125,000	2,034
Additional noninterest expense	$2,133,000	2,742
Pre-tax net operating income	$2,159,000	2,853
Securities gains (losses)	$48,000	1,758
Applicable income taxes	$500,000	2,204
Income before extraordinary items	$1,707,000	3,007
Extraordinary gains, net	$0	17
Net income	$1,707,000	3,006
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,707,000	3,007
Net charge-offs	$14,000	4,453
Cash dividends	$81,000	4,100
Sale, conversion, retirement of capital stock, net	$289,000	378
Net operating income	$1,670,040	2,998
2014-09-30 (YTD Data)		Rank
Total interest income	$6,160,000	2,860
Total interest expense	$520,000	3,378
Net interest income	$5,640,000	2,776
Provision for loan and lease losses	$200,000	2,067
Total noninterest income	$1,307,000	2,314
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$305,000	2,682
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,002,000	1,929
Total noninterest expense	$5,179,000	2,642
Salaries and employee benefits	$2,807,000	2,636
Premises and equipment expense	$811,000	2,120
Additional noninterest expense	$1,561,000	2,798
Pre-tax net operating income	$1,568,000	2,959
Securities gains (losses)	$20,000	2,024
Applicable income taxes	$322,000	2,389
Income before extraordinary items	$1,266,000	3,040
Extraordinary gains, net	$0	15
Net income	$1,266,000	3,040
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,266,000	3,041
Net charge-offs	$35,000	3,512
Cash dividends	$61,000	3,609
Sale, conversion, retirement of capital stock, net	$239,000	329
Net operating income	$1,250,000	3,015
2014-06-30 (YTD Data)		Rank
Total interest income	$3,939,000	2,951
Total interest expense	$352,000	3,381
Net interest income	$3,587,000	2,870
Provision for loan and lease losses	$100,000	2,327
Total noninterest income	$717,000	2,559
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$188,000	2,816
Trading account gains and fees	$0	172
Additional Noninterest Income	$529,000	2,240
Total noninterest expense	$3,429,000	2,658
Salaries and employee benefits	$1,886,000	2,641
Premises and equipment expense	$522,000	2,192
Additional noninterest expense	$1,021,000	2,835
Pre-tax net operating income	$775,000	3,435
Securities gains (losses)	$20,000	1,654
Applicable income taxes	$161,000	2,625
Income before extraordinary items	$634,000	3,527
Extraordinary gains, net	$0	20
Net income	$634,000	3,532
Minority interest net income	$0	80
Net income of bank and minority interests.	$634,000	3,533
Net charge-offs	$-42,000	6,106
Cash dividends	$41,000	3,484
Sale, conversion, retirement of capital stock, net	$182,000	296
Net operating income	$618,000	3,518
2014-03-31 (YTD Data)		Rank
Total interest income	$1,956,000	2,979
Total interest expense	$172,000	3,467
Net interest income	$1,784,000	2,882
Provision for loan and lease losses	$50,000	2,211
Total noninterest income	$372,000	2,486
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$92,000	2,836
Trading account gains and fees	$0	147
Additional Noninterest Income	$280,000	2,101
Total noninterest expense	$1,661,000	2,742
Salaries and employee benefits	$940,000	2,661
Premises and equipment expense	$249,000	2,326
Additional noninterest expense	$472,000	3,016
Pre-tax net operating income	$445,000	3,109
Securities gains (losses)	$0	1,715
Applicable income taxes	$90,000	2,440
Income before extraordinary items	$355,000	3,223
Extraordinary gains, net	$0	16
Net income	$355,000	3,226
Minority interest net income	$0	66
Net income of bank and minority interests.	$355,000	3,226
Net charge-offs	$-57,000	6,356
Cash dividends	$20,000	2,771
Sale, conversion, retirement of capital stock, net	$53,000	339
Net operating income	$355,000	3,191
2013-12-31 (YTD Data)		Rank
Total interest income	$7,119,000	3,206
Total interest expense	$488,000	4,516
Net interest income	$6,631,000	3,020
Provision for loan and lease losses	$225,000	2,826
Total noninterest income	$1,510,000	2,580
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$292,000	3,411
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,218,000	2,116
Total noninterest expense	$6,708,000	2,723
Salaries and employee benefits	$3,448,000	2,837
Premises and equipment expense	$1,041,000	2,164
Additional noninterest expense	$2,219,000	2,753
Pre-tax net operating income	$1,208,000	3,768
Securities gains (losses)	$24,000	2,255
Applicable income taxes	$-800,000	6,672
Income before extraordinary items	$2,032,000	2,574
Extraordinary gains, net	$0	29
Net income	$2,032,000	2,577
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,032,000	2,577
Net charge-offs	$177,000	3,159
Cash dividends	$81,000	4,035
Sale, conversion, retirement of capital stock, net	$456,000	300
Net operating income	$2,008,000	2,536
2013-09-30 (YTD Data)		Rank
Total interest income	$5,256,000	3,278
Total interest expense	$343,000	4,740
Net interest income	$4,913,000	3,076
Provision for loan and lease losses	$185,000	2,676
Total noninterest income	$1,039,000	2,763
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$211,000	3,491
Trading account gains and fees	$0	180
Additional Noninterest Income	$828,000	2,311
Total noninterest expense	$5,011,000	2,739
Salaries and employee benefits	$2,566,000	2,865
Premises and equipment expense	$796,000	2,160
Additional noninterest expense	$1,649,000	2,760
Pre-tax net operating income	$756,000	4,149
Securities gains (losses)	$24,000	2,127
Applicable income taxes	$-777,000	6,820
Income before extraordinary items	$1,557,000	2,591
Extraordinary gains, net	$0	25
Net income	$1,557,000	2,595
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,557,000	2,595
Net charge-offs	$-10,000	6,131
Cash dividends	$61,000	3,491
Sale, conversion, retirement of capital stock, net	$229,000	320
Net operating income	$1,533,000	2,537
2013-06-30 (YTD Data)		Rank
Total interest income	$3,347,000	3,411
Total interest expense	$221,000	4,865
Net interest income	$3,126,000	3,188
Provision for loan and lease losses	$0	4,788
Total noninterest income	$583,000	3,031
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$140,000	3,475
Trading account gains and fees	$0	157
Additional Noninterest Income	$443,000	2,646
Total noninterest expense	$3,272,000	2,790
Salaries and employee benefits	$1,751,000	2,827
Premises and equipment expense	$549,000	2,087
Additional noninterest expense	$972,000	3,031
Pre-tax net operating income	$437,000	4,344
Securities gains (losses)	$24,000	1,918
Applicable income taxes	$-715,000	6,893
Income before extraordinary items	$1,176,000	2,331
Extraordinary gains, net	$0	22
Net income	$1,176,000	2,340
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,176,000	2,338
Net charge-offs	$3,000	4,643
Cash dividends	$40,000	3,339
Sale, conversion, retirement of capital stock, net	$146,000	316
Net operating income	$1,152,000	2,275
2013-03-31 (YTD Data)		Rank
Total interest income	$1,645,000	3,474
Total interest expense	$104,000	5,072
Net interest income	$1,541,000	3,231
Provision for loan and lease losses	$0	4,409
Total noninterest income	$325,000	2,894
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$67,000	3,545
Trading account gains and fees	$0	148
Additional Noninterest Income	$258,000	2,423
Total noninterest expense	$1,648,000	2,803
Salaries and employee benefits	$882,000	2,816
Premises and equipment expense	$313,000	1,890
Additional noninterest expense	$453,000	3,199
Pre-tax net operating income	$218,000	4,343
Securities gains (losses)	$0	1,966
Applicable income taxes	$-625,000	6,998
Income before extraordinary items	$843,000	1,703
Extraordinary gains, net	$0	10
Net income	$843,000	1,704
Minority interest net income	$0	76
Net income of bank and minority interests.	$843,000	1,705
Net charge-offs	$16,000	3,214
Cash dividends	$20,000	2,590
Sale, conversion, retirement of capital stock, net	$91,000	254
Net operating income	$843,000	1,647
2012-12-31 (YTD Data)		Rank
Total interest income	$6,245,000	3,728
Total interest expense	$435,000	5,382
Net interest income	$5,810,000	3,451
Provision for loan and lease losses	$726,000	2,217
Total noninterest income	$2,062,000	2,136
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$330,000	3,309
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,732,000	1,687
Total noninterest expense	$5,977,000	3,053
Salaries and employee benefits	$3,034,000	3,110
Premises and equipment expense	$878,000	2,543
Additional noninterest expense	$2,065,000	3,026
Pre-tax net operating income	$1,169,000	3,768
Securities gains (losses)	$220,000	1,613
Applicable income taxes	$-1,000	6,480
Income before extraordinary items	$1,390,000	3,268
Extraordinary gains, net	$0	29
Net income	$1,390,000	3,269
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,390,000	3,268
Net charge-offs	$390,000	2,974
Cash dividends	$61,000	4,136
Sale, conversion, retirement of capital stock, net	$330,000	368
Net operating income	$1,170,000	3,451
2012-09-30 (YTD Data)		Rank
Total interest income	$4,645,000	3,813
Total interest expense	$329,000	5,505
Net interest income	$4,316,000	3,531
Provision for loan and lease losses	$696,000	1,866
Total noninterest income	$818,000	3,122
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$259,000	3,261
Trading account gains and fees	$0	157
Additional Noninterest Income	$559,000	2,775
Total noninterest expense	$4,060,000	3,300
Salaries and employee benefits	$2,229,000	3,168
Premises and equipment expense	$623,000	2,692
Additional noninterest expense	$1,208,000	3,644
Pre-tax net operating income	$378,000	5,054
Securities gains (losses)	$220,000	1,358
Applicable income taxes	$0	4,802
Income before extraordinary items	$598,000	4,374
Extraordinary gains, net	$0	20
Net income	$598,000	4,373
Minority interest net income	$0	86
Net income of bank and minority interests.	$598,000	4,372
Net charge-offs	$298,000	2,832
Cash dividends	$40,000	3,595
Sale, conversion, retirement of capital stock, net	$204,000	343
Net operating income	$378,000	4,873
2012-06-30 (YTD Data)		Rank
Total interest income	$3,083,000	3,851
Total interest expense	$219,000	5,590
Net interest income	$2,864,000	3,558
Provision for loan and lease losses	$428,000	1,993
Total noninterest income	$561,000	3,037
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$183,000	3,144
Trading account gains and fees	$0	153
Additional Noninterest Income	$378,000	2,725
Total noninterest expense	$2,626,000	3,386
Salaries and employee benefits	$1,454,000	3,229
Premises and equipment expense	$413,000	2,707
Additional noninterest expense	$759,000	3,794
Pre-tax net operating income	$371,000	4,563
Securities gains (losses)	$123,000	1,448
Applicable income taxes	$0	4,770
Income before extraordinary items	$494,000	4,013
Extraordinary gains, net	$0	19
Net income	$494,000	4,017
Minority interest net income	$0	84
Net income of bank and minority interests.	$494,000	4,017
Net charge-offs	$324,000	2,229
Cash dividends	$20,000	3,484
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$371,000	4,303
2012-03-31 (YTD Data)		Rank
Total interest income	$1,472,000	4,013
Total interest expense	$118,000	5,564
Net interest income	$1,354,000	3,708
Provision for loan and lease losses	$149,000	2,462
Total noninterest income	$357,000	2,652
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$93,000	3,093
Trading account gains and fees	$0	148
Additional Noninterest Income	$264,000	2,264
Total noninterest expense	$1,306,000	3,418
Salaries and employee benefits	$759,000	3,147
Premises and equipment expense	$203,000	2,768
Additional noninterest expense	$344,000	4,026
Pre-tax net operating income	$256,000	4,126
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$256,000	3,925
Extraordinary gains, net	$0	19
Net income	$256,000	3,930
Minority interest net income	$0	78
Net income of bank and minority interests.	$256,000	3,929
Net charge-offs	$123,000	2,278
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$256,000	3,774
2011-12-31 (YTD Data)		Rank
Total interest income	$5,726,000	4,210
Total interest expense	$578,000	5,588
Net interest income	$5,148,000	3,830
Provision for loan and lease losses	$1,430,000	1,956
Total noninterest income	$2,129,000	1,910
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$330,000	3,410
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,799,000	1,465
Total noninterest expense	$6,035,000	3,044
Salaries and employee benefits	$3,218,000	2,947
Premises and equipment expense	$843,000	2,801
Additional noninterest expense	$1,974,000	3,178
Pre-tax net operating income	$-188,000	6,224
Securities gains (losses)	$183,000	1,530
Applicable income taxes	$0	4,719
Income before extraordinary items	$-5,000	6,165
Extraordinary gains, net	$0	29
Net income	$-5,000	6,167
Minority interest net income	$0	96
Net income of bank and minority interests.	$-5,000	6,167
Net charge-offs	$1,509,000	1,862
Cash dividends	$80,000	3,852
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-188,000	6,264
2011-09-30 (YTD Data)		Rank
Total interest income	$4,230,000	4,292
Total interest expense	$476,000	5,518
Net interest income	$3,754,000	3,916
Provision for loan and lease losses	$763,000	2,329
Total noninterest income	$1,409,000	2,093
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$232,000	3,543
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,177,000	1,578
Total noninterest expense	$4,463,000	3,079
Salaries and employee benefits	$2,376,000	2,981
Premises and equipment expense	$630,000	2,828
Additional noninterest expense	$1,457,000	3,231
Pre-tax net operating income	$-63,000	6,240
Securities gains (losses)	$86,000	1,911
Applicable income taxes	$0	4,740
Income before extraordinary items	$23,000	6,176
Extraordinary gains, net	$0	21
Net income	$23,000	6,177
Minority interest net income	$0	87
Net income of bank and minority interests.	$23,000	6,177
Net charge-offs	$1,048,000	1,840
Cash dividends	$60,000	3,329
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-63,000	6,272
2011-06-30 (YTD Data)		Rank
Total interest income	$2,803,000	4,354
Total interest expense	$336,000	5,504
Net interest income	$2,467,000	3,965
Provision for loan and lease losses	$622,000	2,016
Total noninterest income	$1,205,000	1,735
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$141,000	3,714
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,064,000	1,286
Total noninterest expense	$2,907,000	3,181
Salaries and employee benefits	$1,658,000	2,890
Premises and equipment expense	$417,000	2,853
Additional noninterest expense	$832,000	3,644
Pre-tax net operating income	$143,000	5,440
Securities gains (losses)	$86,000	1,245
Applicable income taxes	$0	4,697
Income before extraordinary items	$229,000	4,827
Extraordinary gains, net	$0	15
Net income	$229,000	4,826
Minority interest net income	$0	89
Net income of bank and minority interests.	$229,000	4,827
Net charge-offs	$739,000	1,750
Cash dividends	$40,000	3,166
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$143,000	5,315
2011-03-31 (YTD Data)		Rank
Total interest income	$1,360,000	4,445
Total interest expense	$181,000	5,454
Net interest income	$1,179,000	4,089
Provision for loan and lease losses	$142,000	2,951
Total noninterest income	$504,000	1,973
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$62,000	3,939
Trading account gains and fees	$0	158
Additional Noninterest Income	$442,000	1,469
Total noninterest expense	$1,435,000	3,215
Salaries and employee benefits	$846,000	2,857
Premises and equipment expense	$209,000	2,881
Additional noninterest expense	$380,000	3,859
Pre-tax net operating income	$106,000	5,071
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$106,000	4,923
Extraordinary gains, net	$0	9
Net income	$106,000	4,921
Minority interest net income	$0	86
Net income of bank and minority interests.	$106,000	4,923
Net charge-offs	$79,000	2,965
Cash dividends	$20,000	2,472
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$106,000	4,870
2010-12-31 (YTD Data)		Rank
Total interest income	$4,470,000	5,124
Total interest expense	$775,000	5,777
Net interest income	$3,695,000	4,805
Provision for loan and lease losses	$1,011,000	3,030
Total noninterest income	$1,609,000	2,422
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$194,000	4,467
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,415,000	1,759
Total noninterest expense	$5,324,000	3,424
Salaries and employee benefits	$2,589,000	3,493
Premises and equipment expense	$718,000	3,226
Additional noninterest expense	$2,017,000	3,240
Pre-tax net operating income	$-1,031,000	6,498
Securities gains (losses)	$140,000	1,890
Applicable income taxes	$0	4,655
Income before extraordinary items	$-891,000	6,539
Extraordinary gains, net	$0	29
Net income	$-891,000	6,540
Minority interest net income	$0	111
Net income of bank and minority interests.	$-891,000	6,540
Net charge-offs	$177,000	4,881
Cash dividends	$43,000	3,994
Sale, conversion, retirement of capital stock, net	$9,768,000	85
Net operating income	$-1,031,000	6,561
2010-09-30 (YTD Data)		Rank
Total interest income	$3,222,000	5,325
Total interest expense	$582,000	5,915
Net interest income	$2,640,000	4,989
Provision for loan and lease losses	$751,000	2,935
Total noninterest income	$838,000	3,056
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$146,000	4,537
Trading account gains and fees	$0	165
Additional Noninterest Income	$692,000	2,283
Total noninterest expense	$3,707,000	3,653
Salaries and employee benefits	$1,888,000	3,605
Premises and equipment expense	$552,000	3,221
Additional noninterest expense	$1,267,000	3,670
Pre-tax net operating income	$-980,000	6,783
Securities gains (losses)	$0	3,651
Applicable income taxes	$0	4,726
Income before extraordinary items	$-980,000	6,892
Extraordinary gains, net	$0	23
Net income	$-980,000	6,892
Minority interest net income	$0	110
Net income of bank and minority interests.	$-980,000	6,892
Net charge-offs	$68,000	5,278
Cash dividends	$32,000	3,552
Sale, conversion, retirement of capital stock, net	$9,726,000	72
Net operating income	$-980,000	6,849
2010-06-30 (YTD Data)		Rank
Total interest income	$2,073,000	5,458
Total interest expense	$371,000	6,099
Net interest income	$1,702,000	5,090
Provision for loan and lease losses	$582,000	2,636
Total noninterest income	$319,000	4,135
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$96,000	4,562
Trading account gains and fees	$0	152
Additional Noninterest Income	$223,000	3,322
Total noninterest expense	$2,512,000	3,609
Salaries and employee benefits	$1,242,000	3,659
Premises and equipment expense	$378,000	3,184
Additional noninterest expense	$892,000	3,506
Pre-tax net operating income	$-1,073,000	7,044
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$-1,073,000	7,117
Extraordinary gains, net	$0	19
Net income	$-1,073,000	7,115
Minority interest net income	$0	105
Net income of bank and minority interests.	$-1,073,000	7,117
Net charge-offs	$73,000	4,560
Cash dividends	$22,000	3,371
Sale, conversion, retirement of capital stock, net	$7,256,000	55
Net operating income	$-1,073,000	7,092
2010-03-31 (YTD Data)		Rank
Total interest income	$966,000	5,691
Total interest expense	$171,000	6,388
Net interest income	$795,000	5,313
Provision for loan and lease losses	$173,000	3,193
Total noninterest income	$118,000	4,741
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$45,000	4,675
Trading account gains and fees	$0	175
Additional Noninterest Income	$73,000	4,060
Total noninterest expense	$1,222,000	3,716
Salaries and employee benefits	$623,000	3,710
Premises and equipment expense	$178,000	3,414
Additional noninterest expense	$421,000	3,681
Pre-tax net operating income	$-482,000	7,168
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-482,000	7,250
Extraordinary gains, net	$0	16
Net income	$-482,000	7,251
Minority interest net income	$0	91
Net income of bank and minority interests.	$-482,000	7,251
Net charge-offs	$-20,000	7,646
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$5,904,000	40
Net operating income	$-482,000	7,231
2009-12-31 (YTD Data)		Rank
Total interest income	$3,536,000	6,000
Total interest expense	$777,000	6,523
Net interest income	$2,759,000	5,597
Provision for loan and lease losses	$2,116,000	2,411
Total noninterest income	$1,165,000	3,036
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$172,000	4,905
Trading account gains and fees	$0	211
Additional Noninterest Income	$993,000	2,151
Total noninterest expense	$4,540,000	3,972
Salaries and employee benefits	$1,942,000	4,449
Premises and equipment expense	$668,000	3,592
Additional noninterest expense	$1,930,000	3,403
Pre-tax net operating income	$-2,732,000	6,830
Securities gains (losses)	$61,000	2,500
Applicable income taxes	$0	4,388
Income before extraordinary items	$-2,671,000	6,926
Extraordinary gains, net	$0	34
Net income	$-2,671,000	6,927
Minority interest net income	$0	115
Net income of bank and minority interests.	$-2,671,000	6,927
Net charge-offs	$2,239,000	1,905
Cash dividends	$22,000	4,574
Sale, conversion, retirement of capital stock, net	$1,747,000	353
Net operating income	$-2,732,000	6,947
2009-09-30 (YTD Data)		Rank
Total interest income	$2,530,000	6,170
Total interest expense	$591,000	6,632
Net interest income	$1,939,000	5,780
Provision for loan and lease losses	$2,066,000	1,861
Total noninterest income	$840,000	3,169
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$121,000	5,060
Trading account gains and fees	$0	212
Additional Noninterest Income	$719,000	2,261
Total noninterest expense	$3,279,000	4,096
Salaries and employee benefits	$1,388,000	4,624
Premises and equipment expense	$481,000	3,726
Additional noninterest expense	$1,410,000	3,431
Pre-tax net operating income	$-2,566,000	7,189
Securities gains (losses)	$0	3,497
Applicable income taxes	$0	4,592
Income before extraordinary items	$-2,566,000	7,304
Extraordinary gains, net	$0	27
Net income	$-2,566,000	7,303
Minority interest net income	$0	118
Net income of bank and minority interests.	$-2,566,000	7,304
Net charge-offs	$2,210,000	1,418
Cash dividends	$22,000	4,080
Sale, conversion, retirement of capital stock, net	$1,747,000	288
Net operating income	$-2,566,000	7,291
2009-06-30 (YTD Data)		Rank
Total interest income	$1,570,000	6,380
Total interest expense	$404,000	6,700
Net interest income	$1,166,000	6,036
Provision for loan and lease losses	$1,837,000	1,475
Total noninterest income	$165,000	5,555
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$79,000	5,083
Trading account gains and fees	$0	193
Additional Noninterest Income	$86,000	5,059
Total noninterest expense	$1,826,000	4,643
Salaries and employee benefits	$890,000	4,778
Premises and equipment expense	$294,000	3,997
Additional noninterest expense	$642,000	4,527
Pre-tax net operating income	$-2,332,000	7,466
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$-2,332,000	7,543
Extraordinary gains, net	$0	21
Net income	$-2,332,000	7,542
Minority interest net income	$0	112
Net income of bank and minority interests.	$-2,332,000	7,542
Net charge-offs	$2,030,000	1,117
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$1,747,000	223
Net operating income	$-2,332,000	7,553
2009-03-31 (YTD Data)		Rank
Total interest income	$752,000	6,504
Total interest expense	$227,000	6,576
Net interest income	$525,000	6,306
Provision for loan and lease losses	$0	6,744
Total noninterest income	$72,000	5,774
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$36,000	5,210
Trading account gains and fees	$0	171
Additional Noninterest Income	$36,000	5,346
Total noninterest expense	$877,000	4,689
Salaries and employee benefits	$411,000	5,056
Premises and equipment expense	$132,000	4,337
Additional noninterest expense	$334,000	4,085
Pre-tax net operating income	$-280,000	7,032
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$-280,000	7,167
Extraordinary gains, net	$0	15
Net income	$-280,000	7,167
Minority interest net income	$0	102
Net income of bank and minority interests.	$-280,000	7,168
Net charge-offs	$392,000	1,563
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$1,747,000	129
Net operating income	$-280,000	7,109
2008-12-31 (YTD Data)		Rank
Total interest income	$3,705,000	6,191
Total interest expense	$1,448,000	6,052
Net interest income	$2,257,000	6,141
Provision for loan and lease losses	$1,525,000	2,138
Total noninterest income	$639,000	4,333
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$142,000	5,412
Trading account gains and fees	$0	154
Additional Noninterest Income	$497,000	3,178
Total noninterest expense	$3,216,000	4,891
Salaries and employee benefits	$1,554,000	5,239
Premises and equipment expense	$579,000	4,049
Additional noninterest expense	$1,083,000	4,585
Pre-tax net operating income	$-1,845,000	7,312
Securities gains (losses)	$-913,000	7,702
Applicable income taxes	$-247,000	7,268
Income before extraordinary items	$-2,511,000	7,512
Extraordinary gains, net	$0	39
Net income	$-2,511,000	7,509
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$950,000	2,011
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$23,000	1,242
Net operating income	$-1,680,170	7,376
2008-09-30 (YTD Data)		Rank
Total interest income	$2,860,000	6,188
Total interest expense	$1,118,000	6,105
Net interest income	$1,742,000	6,123
Provision for loan and lease losses	$935,000	1,905
Total noninterest income	$342,000	5,124
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$99,000	5,550
Trading account gains and fees	$0	148
Additional Noninterest Income	$243,000	4,076
Total noninterest expense	$2,327,000	4,995
Salaries and employee benefits	$1,124,000	5,354
Premises and equipment expense	$434,000	4,042
Additional noninterest expense	$769,000	4,665
Pre-tax net operating income	$-1,178,000	7,617
Securities gains (losses)	$-913,000	7,888
Applicable income taxes	$-247,000	7,703
Income before extraordinary items	$-1,844,000	7,829
Extraordinary gains, net	$0	31
Net income	$-1,844,000	7,828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$698,000	1,612
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$23,000	1,061
Net operating income	$-1,040,560	7,636
2008-06-30 (YTD Data)		Rank
Total interest income	$2,010,000	6,132
Total interest expense	$758,000	6,199
Net interest income	$1,252,000	5,959
Provision for loan and lease losses	$217,000	3,028
Total noninterest income	$166,000	5,806
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$63,000	5,622
Trading account gains and fees	$0	149
Additional Noninterest Income	$103,000	5,002
Total noninterest expense	$1,484,000	5,163
Salaries and employee benefits	$749,000	5,403
Premises and equipment expense	$263,000	4,367
Additional noninterest expense	$472,000	4,921
Pre-tax net operating income	$-283,000	7,418
Securities gains (losses)	$0	3,233
Applicable income taxes	$0	5,627
Income before extraordinary items	$-283,000	7,501
Extraordinary gains, net	$0	21
Net income	$-283,000	7,501
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-81,000	8,328
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$23,000	927
Net operating income	$-283,000	7,484
2008-03-31 (YTD Data)		Rank
Total interest income	$1,003,000	6,214
Total interest expense	$391,000	6,292
Net interest income	$612,000	6,057
Provision for loan and lease losses	$217,000	1,742
Total noninterest income	$79,000	5,891
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$32,000	5,589
Trading account gains and fees	$0	158
Additional Noninterest Income	$47,000	5,178
Total noninterest expense	$689,000	5,413
Salaries and employee benefits	$370,000	5,475
Premises and equipment expense	$131,000	4,397
Additional noninterest expense	$188,000	5,537
Pre-tax net operating income	$-215,000	7,787
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$-215,000	7,864
Extraordinary gains, net	$0	15
Net income	$-215,000	7,863
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-76,000	8,379
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$23,000	668
Net operating income	$-215,000	7,832
2007-12-31 (YTD Data)		Rank
Total interest income	$4,650,000	5,907
Total interest expense	$1,644,000	6,239
Net interest income	$3,006,000	5,496
Provision for loan and lease losses	$100,000	4,892
Total noninterest income	$921,000	3,702
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$147,000	5,461
Trading account gains and fees	$0	178
Additional Noninterest Income	$774,000	2,606
Total noninterest expense	$3,044,000	4,964
Salaries and employee benefits	$1,506,000	5,294
Premises and equipment expense	$462,000	4,596
Additional noninterest expense	$1,076,000	4,407
Pre-tax net operating income	$783,000	5,211
Securities gains (losses)	$0	2,146
Applicable income taxes	$266,000	3,532
Income before extraordinary items	$517,000	5,620
Extraordinary gains, net	$-55,000	8,515
Net income	$462,000	5,815
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$221,000	2,712
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$454,000	555
Net operating income	$517,000	5,608
2007-09-30 (YTD Data)		Rank
Total interest income	$3,606,000	5,851
Total interest expense	$1,238,000	6,268
Net interest income	$2,368,000	5,396
Provision for loan and lease losses	$0	6,528
Total noninterest income	$543,000	4,225
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$112,000	5,447
Trading account gains and fees	$0	184
Additional Noninterest Income	$431,000	3,070
Total noninterest expense	$2,334,000	4,868
Salaries and employee benefits	$1,163,000	5,193
Premises and equipment expense	$315,000	4,865
Additional noninterest expense	$856,000	4,167
Pre-tax net operating income	$577,000	5,514
Securities gains (losses)	$0	1,655
Applicable income taxes	$196,000	3,742
Income before extraordinary items	$381,000	5,919
Extraordinary gains, net	$0	33
Net income	$381,000	5,917
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,741
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$454,000	427
Net operating income	$381,000	5,902
2007-06-30 (YTD Data)		Rank
Total interest income	$2,538,000	5,731
Total interest expense	$832,000	6,287
Net interest income	$1,706,000	5,157
Provision for loan and lease losses	$0	6,209
Total noninterest income	$294,000	4,716
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$73,000	5,514
Trading account gains and fees	$0	168
Additional Noninterest Income	$221,000	3,596
Total noninterest expense	$1,547,000	4,917
Salaries and employee benefits	$781,000	5,209
Premises and equipment expense	$142,000	5,958
Additional noninterest expense	$624,000	3,906
Pre-tax net operating income	$453,000	5,254
Securities gains (losses)	$0	1,444
Applicable income taxes	$159,000	3,562
Income before extraordinary items	$294,000	5,697
Extraordinary gains, net	$0	29
Net income	$294,000	5,696
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	2,912
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$453,000	313
Net operating income	$294,000	5,681
2007-03-31 (YTD Data)		Rank
Total interest income	$1,248,000	5,790
Total interest expense	$423,000	6,266
Net interest income	$825,000	5,279
Provision for loan and lease losses	$0	5,779
Total noninterest income	$259,000	3,444
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$35,000	5,544
Trading account gains and fees	$0	195
Additional Noninterest Income	$224,000	2,383
Total noninterest expense	$761,000	4,965
Salaries and employee benefits	$419,000	5,010
Premises and equipment expense	$74,000	5,891
Additional noninterest expense	$268,000	4,309
Pre-tax net operating income	$323,000	4,486
Securities gains (losses)	$0	1,187
Applicable income taxes	$114,000	3,097
Income before extraordinary items	$209,000	4,950
Extraordinary gains, net	$0	22
Net income	$209,000	4,951
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	1,781
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$130,000	303
Net operating income	$209,000	4,936
2006-12-31 (YTD Data)		Rank
Total interest income	$4,035,000	6,097
Total interest expense	$1,376,000	6,293
Net interest income	$2,659,000	5,849
Provision for loan and lease losses	$0	6,850
Total noninterest income	$909,000	3,756
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$142,000	5,621
Trading account gains and fees	$0	130
Additional Noninterest Income	$767,000	2,640
Total noninterest expense	$2,966,000	4,937
Salaries and employee benefits	$1,595,000	4,997
Premises and equipment expense	$304,000	5,719
Additional noninterest expense	$1,067,000	4,309
Pre-tax net operating income	$602,000	6,183
Securities gains (losses)	$6,000	1,217
Applicable income taxes	$180,000	4,409
Income before extraordinary items	$428,000	6,410
Extraordinary gains, net	$0	51
Net income	$428,000	6,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,587
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$115,000	861
Net operating income	$423,800	6,432
2006-09-30 (YTD Data)		Rank
Total interest income	$3,001,000	6,131
Total interest expense	$972,000	6,376
Net interest income	$2,029,000	5,859
Provision for loan and lease losses	$0	6,685
Total noninterest income	$799,000	3,401
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$111,000	5,615
Trading account gains and fees	$0	126
Additional Noninterest Income	$688,000	2,340
Total noninterest expense	$2,229,000	4,900
Salaries and employee benefits	$1,231,000	4,885
Premises and equipment expense	$234,000	5,672
Additional noninterest expense	$764,000	4,431
Pre-tax net operating income	$599,000	5,858
Securities gains (losses)	$6,000	998
Applicable income taxes	$239,000	3,909
Income before extraordinary items	$366,000	6,401
Extraordinary gains, net	$0	45
Net income	$366,000	6,402
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$16,000	924
Net operating income	$362,160	6,416
2006-06-30 (YTD Data)		Rank
Total interest income	$1,924,000	6,220
Total interest expense	$599,000	6,465
Net interest income	$1,325,000	5,956
Provision for loan and lease losses	$0	6,419
Total noninterest income	$179,000	5,864
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$77,000	5,531
Trading account gains and fees	$0	126
Additional Noninterest Income	$102,000	5,085
Total noninterest expense	$1,401,000	5,115
Salaries and employee benefits	$741,000	5,221
Premises and equipment expense	$160,000	5,602
Additional noninterest expense	$500,000	4,489
Pre-tax net operating income	$103,000	7,677
Securities gains (losses)	$6,000	812
Applicable income taxes	$30,000	5,570
Income before extraordinary items	$79,000	7,694
Extraordinary gains, net	$0	39
Net income	$79,000	7,695
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$4,000	839
Net operating income	$74,680	7,735
2006-03-31 (YTD Data)		Rank
Total interest income	$949,000	6,230
Total interest expense	$272,000	6,626
Net interest income	$677,000	5,907
Provision for loan and lease losses	$0	6,013
Total noninterest income	$94,000	5,729
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$44,000	5,215
Trading account gains and fees	$0	115
Additional Noninterest Income	$50,000	5,119
Total noninterest expense	$662,000	5,311
Salaries and employee benefits	$341,000	5,515
Premises and equipment expense	$92,000	5,213
Additional noninterest expense	$229,000	4,739
Pre-tax net operating income	$109,000	6,944
Securities gains (losses)	$5,000	692
Applicable income taxes	$39,000	4,751
Income before extraordinary items	$75,000	7,115
Extraordinary gains, net	$0	21
Net income	$75,000	7,115
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$71,700	7,177
2005-12-31 (YTD Data)		Rank
Total interest income	$2,964,000	6,617
Total interest expense	$747,000	6,910
Net interest income	$2,217,000	6,353
Provision for loan and lease losses	$-200,000	8,690
Total noninterest income	$386,000	5,795
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$136,000	5,799
Trading account gains and fees	$0	138
Additional Noninterest Income	$250,000	4,723
Total noninterest expense	$2,392,000	5,512
Salaries and employee benefits	$1,119,000	6,001
Premises and equipment expense	$310,000	5,630
Additional noninterest expense	$963,000	4,544
Pre-tax net operating income	$411,000	7,035
Securities gains (losses)	$-6,000	7,363
Applicable income taxes	$1,000	6,850
Income before extraordinary items	$404,000	6,763
Extraordinary gains, net	$0	46
Net income	$404,000	6,765
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-114,000	8,647
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$34,000	832
Net operating income	$410,000	6,714
2005-09-30 (YTD Data)		Rank
Total interest income	$2,059,000	6,802
Total interest expense	$493,000	7,101
Net interest income	$1,566,000	6,561
Provision for loan and lease losses	$-200,000	8,744
Total noninterest income	$215,000	6,441
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$92,000	6,004
Trading account gains and fees	$0	126
Additional Noninterest Income	$123,000	5,562
Total noninterest expense	$1,809,000	5,465
Salaries and employee benefits	$832,000	5,999
Premises and equipment expense	$227,000	5,711
Additional noninterest expense	$750,000	4,406
Pre-tax net operating income	$172,000	7,743
Securities gains (losses)	$0	2,317
Applicable income taxes	$1,000	6,867
Income before extraordinary items	$171,000	7,599
Extraordinary gains, net	$0	35
Net income	$171,000	7,599
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-114,000	8,663
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$21,000	689
Net operating income	$171,000	7,566
2005-06-30 (YTD Data)		Rank
Total interest income	$1,262,000	6,961
Total interest expense	$286,000	7,278
Net interest income	$976,000	6,724
Provision for loan and lease losses	$-200,000	8,764
Total noninterest income	$135,000	6,549
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$54,000	6,184
Trading account gains and fees	$0	116
Additional Noninterest Income	$81,000	5,595
Total noninterest expense	$1,188,000	5,509
Salaries and employee benefits	$545,000	6,076
Premises and equipment expense	$137,000	5,971
Additional noninterest expense	$506,000	4,332
Pre-tax net operating income	$123,000	7,720
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,000	6,848
Income before extraordinary items	$122,000	7,566
Extraordinary gains, net	$0	30
Net income	$122,000	7,566
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-40,000	8,409
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$122,000	7,525
2005-03-31 (YTD Data)		Rank
Total interest income	$592,000	7,133
Total interest expense	$131,000	7,400
Net interest income	$461,000	6,914
Provision for loan and lease losses	$0	6,226
Total noninterest income	$50,000	7,067
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$25,000	6,268
Trading account gains and fees	$0	115
Additional Noninterest Income	$25,000	6,471
Total noninterest expense	$569,000	5,672
Salaries and employee benefits	$287,000	5,921
Premises and equipment expense	$71,000	5,908
Additional noninterest expense	$211,000	4,905
Pre-tax net operating income	$-58,000	8,593
Securities gains (losses)	$0	1,685
Applicable income taxes	$1,000	6,740
Income before extraordinary items	$-59,000	8,608
Extraordinary gains, net	$0	24
Net income	$-59,000	8,608
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	7,691
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-59,000	8,585
2004-12-31 (YTD Data)		Rank
Total interest income	$1,893,000	7,493
Total interest expense	$445,000	7,513
Net interest income	$1,448,000	7,383
Provision for loan and lease losses	$-300,000	8,873
Total noninterest income	$546,000	5,050
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$91,000	6,608
Trading account gains and fees	$0	138
Additional Noninterest Income	$455,000	3,489
Total noninterest expense	$2,227,000	5,656
Salaries and employee benefits	$1,020,000	6,207
Premises and equipment expense	$317,000	5,515
Additional noninterest expense	$890,000	4,742
Pre-tax net operating income	$67,000	8,201
Securities gains (losses)	$0	3,819
Applicable income taxes	$1,000	7,085
Income before extraordinary items	$66,000	8,225
Extraordinary gains, net	$0	34
Net income	$66,000	8,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-62,000	8,715
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$5,394,000	220
Net operating income	$66,000	8,181
2004-09-30 (YTD Data)		Rank
Total interest income	$1,343,000	7,632
Total interest expense	$339,000	7,515
Net interest income	$1,004,000	7,567
Provision for loan and lease losses	$-200,000	8,923
Total noninterest income	$446,000	4,858
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$68,000	6,656
Trading account gains and fees	$0	134
Additional Noninterest Income	$378,000	3,297
Total noninterest expense	$1,664,000	5,647
Salaries and employee benefits	$761,000	6,189
Premises and equipment expense	$247,000	5,378
Additional noninterest expense	$656,000	4,747
Pre-tax net operating income	$-14,000	8,500
Securities gains (losses)	$0	3,710
Applicable income taxes	$1,000	7,130
Income before extraordinary items	$-15,000	8,530
Extraordinary gains, net	$0	26
Net income	$-15,000	8,533
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-49,000	8,657
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$5,394,000	160
Net operating income	$-15,000	8,499
2004-06-30 (YTD Data)		Rank
Total interest income	$867,000	7,734
Total interest expense	$240,000	7,464
Net interest income	$627,000	7,724
Provision for loan and lease losses	$-200,000	8,994
Total noninterest income	$62,000	7,920
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$41,000	6,815
Trading account gains and fees	$0	130
Additional Noninterest Income	$21,000	7,686
Total noninterest expense	$1,087,000	5,739
Salaries and employee benefits	$499,000	6,304
Premises and equipment expense	$187,000	4,999
Additional noninterest expense	$401,000	5,055
Pre-tax net operating income	$-198,000	8,768
Securities gains (losses)	$0	3,413
Applicable income taxes	$1,000	7,109
Income before extraordinary items	$-199,000	8,797
Extraordinary gains, net	$0	21
Net income	$-199,000	8,798
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-37,000	8,648
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$5,052,000	106
Net operating income	$-199,000	8,771
2004-03-31 (YTD Data)		Rank
Total interest income	$421,000	7,826
Total interest expense	$127,000	7,409
Net interest income	$294,000	7,886
Provision for loan and lease losses	$0	6,501
Total noninterest income	$27,000	8,089
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$21,000	6,734
Trading account gains and fees	$0	121
Additional Noninterest Income	$6,000	8,203
Total noninterest expense	$546,000	5,747
Salaries and employee benefits	$256,000	6,253
Premises and equipment expense	$93,000	5,051
Additional noninterest expense	$197,000	5,125
Pre-tax net operating income	$-225,000	8,928
Securities gains (losses)	$0	2,934
Applicable income taxes	$1,000	6,972
Income before extraordinary items	$-226,000	8,960
Extraordinary gains, net	$0	16
Net income	$-226,000	8,960
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,644
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-226,000	8,937
2003-12-31 (YTD Data)		Rank
Total interest income	$1,984,000	7,558
Total interest expense	$711,000	7,002
Net interest income	$1,273,000	7,698
Provision for loan and lease losses	$0	7,651
Total noninterest income	$140,000	7,914
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$88,000	6,750
Trading account gains and fees	$0	160
Additional Noninterest Income	$52,000	7,508
Total noninterest expense	$2,128,000	5,781
Salaries and employee benefits	$1,063,000	6,046
Premises and equipment expense	$288,000	5,784
Additional noninterest expense	$777,000	5,150
Pre-tax net operating income	$-715,000	8,900
Securities gains (losses)	$-19,000	8,861
Applicable income taxes	$1,000	7,379
Income before extraordinary items	$-735,000	8,978
Extraordinary gains, net	$0	54
Net income	$-735,000	8,977
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-208,000	9,109
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-716,000	8,916
2003-09-30 (YTD Data)		Rank
Total interest income	$1,596,000	7,513
Total interest expense	$576,000	6,960
Net interest income	$1,020,000	7,617
Provision for loan and lease losses	$0	7,481
Total noninterest income	$87,000	8,199
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$68,000	6,764
Trading account gains and fees	$0	153
Additional Noninterest Income	$19,000	8,294
Total noninterest expense	$1,502,000	5,976
Salaries and employee benefits	$813,000	5,962
Premises and equipment expense	$201,000	5,994
Additional noninterest expense	$488,000	5,718
Pre-tax net operating income	$-395,000	8,913
Securities gains (losses)	$7,000	3,479
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$-389,000	8,990
Extraordinary gains, net	$0	40
Net income	$-389,000	8,990
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-237,000	9,179
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-396,000	8,928
2003-06-30 (YTD Data)		Rank
Total interest income	$1,149,000	7,392
Total interest expense	$410,000	6,913
Net interest income	$739,000	7,472
Provision for loan and lease losses	$0	7,324
Total noninterest income	$50,000	8,369
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$44,000	6,806
Trading account gains and fees	$0	150
Additional Noninterest Income	$6,000	8,732
Total noninterest expense	$1,003,000	5,973
Salaries and employee benefits	$553,000	5,895
Premises and equipment expense	$123,000	6,193
Additional noninterest expense	$327,000	5,693
Pre-tax net operating income	$-214,000	8,931
Securities gains (losses)	$7,000	3,077
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$-208,000	9,010
Extraordinary gains, net	$0	30
Net income	$-208,000	9,009
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-191,000	9,200
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-215,000	8,938
2003-03-31 (YTD Data)		Rank
Total interest income	$583,000	7,399
Total interest expense	$225,000	6,759
Net interest income	$358,000	7,557
Provision for loan and lease losses	$0	6,934
Total noninterest income	$22,000	8,506
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$22,000	6,745
Trading account gains and fees	$0	134
Additional Noninterest Income	$0	9,145
Total noninterest expense	$491,000	6,059
Salaries and employee benefits	$280,000	5,852
Premises and equipment expense	$57,000	6,435
Additional noninterest expense	$154,000	5,833
Pre-tax net operating income	$-111,000	8,984
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-111,000	9,048
Extraordinary gains, net	$0	21
Net income	$-111,000	9,045
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	3,119
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-111,000	8,980
2002-12-31 (YTD Data)		Rank
Total interest income	$2,750,000	7,097
Total interest expense	$1,111,000	6,650
Net interest income	$1,639,000	7,205
Provision for loan and lease losses	$186,000	4,502
Total noninterest income	$110,000	8,277
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$121,000	6,236
Trading account gains and fees	$0	153
Additional Noninterest Income	$-11,000	9,288
Total noninterest expense	$2,060,000	5,785
Salaries and employee benefits	$927,000	6,414
Premises and equipment expense	$228,000	6,413
Additional noninterest expense	$905,000	4,526
Pre-tax net operating income	$-497,000	8,976
Securities gains (losses)	$4,000	4,045
Applicable income taxes	$1,000	7,615
Income before extraordinary items	$-494,000	9,035
Extraordinary gains, net	$0	70
Net income	$-494,000	9,034
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-109,000	9,238
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-498,000	8,992
2001-12-31 (YTD Data)		Rank
Total interest income	$3,080,000	7,179
Total interest expense	$1,247,000	7,519
Net interest income	$1,833,000	6,736
Provision for loan and lease losses	$1,342,000	998
Total noninterest income	$575,000	4,701
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$106,000	6,467
Trading account gains and fees	$0	177
Additional Noninterest Income	$469,000	3,239
Total noninterest expense	$2,227,000	5,348
Salaries and employee benefits	$1,270,000	5,116
Premises and equipment expense	$230,000	6,354
Additional noninterest expense	$727,000	5,140
Pre-tax net operating income	$-1,161,000	9,399
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,000	7,858
Income before extraordinary items	$-1,162,000	9,451
Extraordinary gains, net	$0	105
Net income	$-1,162,000	9,452
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,115,000	870
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-1,162,000	9,417
2000-12-31 (YTD Data)		Rank
Total interest income	$3,064,000	7,348
Total interest expense	$1,160,000	7,897
Net interest income	$1,904,000	6,724
Provision for loan and lease losses	$826,000	1,238
Total noninterest income	$544,000	4,667
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$92,000	6,724
Trading account gains and fees	NA	NA
Additional Noninterest Income	$452,000	3,105
Total noninterest expense	$2,625,000	4,694
Salaries and employee benefits	$1,525,000	4,303
Premises and equipment expense	$308,000	5,348
Additional noninterest expense	$792,000	4,777
Pre-tax net operating income	$-1,003,000	9,721
Securities gains (losses)	$-186,000	9,559
Applicable income taxes	$1,000	8,314
Income before extraordinary items	$-1,190,000	9,763
Extraordinary gains, net	$0	38
Net income	$-1,190,000	9,762
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$764,000	906
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-1,004,000	9,734
1999-12-31 (YTD Data)		Rank
Total interest income	$2,292,000	8,143
Total interest expense	$931,000	8,363
Net interest income	$1,361,000	7,849
Provision for loan and lease losses	$180,000	3,760
Total noninterest income	$428,000	5,414
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$98,000	6,750
Trading account gains and fees	NA	NA
Additional Noninterest Income	$330,000	3,804
Total noninterest expense	$2,371,000	5,069
Salaries and employee benefits	$1,327,000	4,794
Premises and equipment expense	$279,000	5,696
Additional noninterest expense	$765,000	4,951
Pre-tax net operating income	$-762,000	9,989
Securities gains (losses)	$2,000	2,566
Applicable income taxes	$1,000	8,717
Income before extraordinary items	$-761,000	10,019
Extraordinary gains, net	$0	35
Net income	$-761,000	10,018
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-763,000	10,008
1998-12-31 (YTD Data)		Rank
Total interest income	$1,790,000	8,940
Total interest expense	$778,000	8,993
Net interest income	$1,012,000	8,765
Provision for loan and lease losses	$120,000	4,610
Total noninterest income	$679,000	4,073
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	7,388
Trading account gains and fees	NA	NA
Additional Noninterest Income	$603,000	2,643
Total noninterest expense	$1,852,000	5,880
Salaries and employee benefits	$1,007,000	5,770
Premises and equipment expense	$242,000	6,079
Additional noninterest expense	$603,000	5,740
Pre-tax net operating income	$-281,000	10,052
Securities gains (losses)	$3,000	3,720
Applicable income taxes	$1,000	9,299
Income before extraordinary items	$-279,000	10,101
Extraordinary gains, net	$0	32
Net income	$-279,000	10,097
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-282,000	10,071
1997-12-31 (YTD Data)		Rank
Total interest income	$1,049,000	10,256
Total interest expense	$482,000	10,136
Net interest income	$567,000	10,254
Provision for loan and lease losses	$120,000	4,629
Total noninterest income	$1,450,000	2,270
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	8,425
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,400,000	1,389
Total noninterest expense	$1,755,000	6,169
Salaries and employee benefits	$866,000	6,458
Premises and equipment expense	$202,000	6,803
Additional noninterest expense	$687,000	5,292
Pre-tax net operating income	$142,000	9,892
Securities gains (losses)	$0	3,944
Applicable income taxes	$2,000	10,009
Income before extraordinary items	$140,000	9,669
Extraordinary gains, net	$0	44
Net income	$140,000	9,670
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	$0	1,030
Net operating income	$140,000	9,624
1996-12-31 (YTD Data)		Rank
Total interest income	$323,000	11,337
Total interest expense	$51,000	11,369
Net interest income	$272,000	11,266
Provision for loan and lease losses	$60,000	6,086
Total noninterest income	$6,000	11,345
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$5,000	9,817
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,000	11,358
Total noninterest expense	$1,538,000	7,002
Salaries and employee benefits	$383,000	9,731
Premises and equipment expense	$98,000	9,349
Additional noninterest expense	$1,057,000	4,206
Pre-tax net operating income	$-1,320,000	11,372
Securities gains (losses)	$0	4,148
Applicable income taxes	$1,000	10,529
Income before extraordinary items	$-1,321,000	11,389
Extraordinary gains, net	$0	53
Net income	$-1,321,000	11,389
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$7,655,000	80
Net operating income	$-1,321,000	11,374

* 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.