Home > Community First Bank > Income and Expense

Community First Bank, Income and Expense

2018-09-30 (YTD Data)		Rank
Total interest income	$4,193,000	3,577
Total interest expense	$795,000	2,766
Net interest income	$3,398,000	3,704
Provision for loan and lease losses	$16,000	3,680
Total noninterest income	$365,000	3,843
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$127,000	3,556
Trading account gains and fees	$0	138
Additional Noninterest Income	$238,000	3,642
Total noninterest expense	$3,805,000	3,034
Salaries and employee benefits	$1,933,000	3,233
Premises and equipment expense	$310,000	3,516
Additional noninterest expense	$1,562,000	2,524
Pre-tax net operating income	$-58,000	5,341
Securities gains (losses)	$-57,000	5,157
Applicable income taxes	$16,000	3,684
Income before extraordinary items	$-131,000	5,359
Extraordinary gains, net	$0	5
Net income	$-131,000	5,358
Minority interest net income	$0	66
Net income of bank and minority interests.	$-131,000	5,358
Net charge-offs	$72,000	1,964
Cash dividends	$91,000	3,405
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$-74,000	5,345
2018-06-30 (YTD Data)		Rank
Total interest income	$2,791,000	3,567
Total interest expense	$530,000	2,720
Net interest income	$2,261,000	3,709
Provision for loan and lease losses	$16,000	3,429
Total noninterest income	$248,000	3,845
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$81,000	3,613
Trading account gains and fees	$0	130
Additional Noninterest Income	$167,000	3,606
Total noninterest expense	$2,326,000	3,223
Salaries and employee benefits	$1,162,000	3,438
Premises and equipment expense	$196,000	3,631
Additional noninterest expense	$968,000	2,675
Pre-tax net operating income	$167,000	4,965
Securities gains (losses)	$0	961
Applicable income taxes	$15,000	3,597
Income before extraordinary items	$152,000	4,953
Extraordinary gains, net	$0	6
Net income	$152,000	4,952
Minority interest net income	$0	65
Net income of bank and minority interests.	$152,000	4,952
Net charge-offs	$62,000	1,612
Cash dividends	$91,000	3,221
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$152,000	4,960
2018-03-31 (YTD Data)		Rank
Total interest income	$1,378,000	3,600
Total interest expense	$266,000	2,643
Net interest income	$1,112,000	3,759
Provision for loan and lease losses	$0	3,508
Total noninterest income	$109,000	4,004
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$40,000	3,652
Trading account gains and fees	$0	123
Additional Noninterest Income	$69,000	3,834
Total noninterest expense	$1,058,000	3,433
Salaries and employee benefits	$584,000	3,462
Premises and equipment expense	$102,000	3,611
Additional noninterest expense	$372,000	3,210
Pre-tax net operating income	$163,000	4,527
Securities gains (losses)	$0	735
Applicable income taxes	$25,000	3,125
Income before extraordinary items	$138,000	4,557
Extraordinary gains, net	$0	7
Net income	$138,000	4,556
Minority interest net income	$0	52
Net income of bank and minority interests.	$138,000	4,557
Net charge-offs	$-1,000	3,770
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$138,000	4,567
2017-12-31 (YTD Data)		Rank
Total interest income	$5,477,000	3,586
Total interest expense	$937,000	2,658
Net interest income	$4,540,000	3,704
Provision for loan and lease losses	$41,000	3,657
Total noninterest income	$436,000	4,092
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$160,000	3,755
Trading account gains and fees	$0	151
Additional Noninterest Income	$276,000	3,886
Total noninterest expense	$3,840,000	3,638
Salaries and employee benefits	$2,219,000	3,550
Premises and equipment expense	$380,000	3,756
Additional noninterest expense	$1,241,000	3,604
Pre-tax net operating income	$1,095,000	3,946
Securities gains (losses)	$0	2,243
Applicable income taxes	$524,000	2,386
Income before extraordinary items	$571,000	4,370
Extraordinary gains, net	$0	9
Net income	$571,000	4,370
Minority interest net income	$0	76
Net income of bank and minority interests.	$571,000	4,370
Net charge-offs	$29,000	3,249
Cash dividends	$183,000	3,688
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$571,000	4,357
2017-09-30 (YTD Data)		Rank
Total interest income	$4,077,000	3,630
Total interest expense	$676,000	2,704
Net interest income	$3,401,000	3,739
Provision for loan and lease losses	$41,000	3,404
Total noninterest income	$326,000	4,153
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$120,000	3,784
Trading account gains and fees	$0	145
Additional Noninterest Income	$206,000	3,931
Total noninterest expense	$2,853,000	3,656
Salaries and employee benefits	$1,649,000	3,574
Premises and equipment expense	$290,000	3,741
Additional noninterest expense	$914,000	3,656
Pre-tax net operating income	$833,000	4,016
Securities gains (losses)	$0	2,274
Applicable income taxes	$239,000	2,641
Income before extraordinary items	$594,000	4,219
Extraordinary gains, net	$0	9
Net income	$594,000	4,218
Minority interest net income	$0	71
Net income of bank and minority interests.	$594,000	4,219
Net charge-offs	$29,000	2,799
Cash dividends	$91,000	3,458
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$594,000	4,201
2017-06-30 (YTD Data)		Rank
Total interest income	$2,694,000	3,651
Total interest expense	$427,000	2,750
Net interest income	$2,267,000	3,747
Provision for loan and lease losses	$41,000	2,990
Total noninterest income	$223,000	4,135
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$79,000	3,807
Trading account gains and fees	$0	139
Additional Noninterest Income	$144,000	3,907
Total noninterest expense	$1,904,000	3,667
Salaries and employee benefits	$1,098,000	3,609
Premises and equipment expense	$202,000	3,691
Additional noninterest expense	$604,000	3,678
Pre-tax net operating income	$545,000	4,017
Securities gains (losses)	$0	1,906
Applicable income taxes	$142,000	2,709
Income before extraordinary items	$403,000	4,144
Extraordinary gains, net	$0	11
Net income	$403,000	4,143
Minority interest net income	$0	71
Net income of bank and minority interests.	$403,000	4,144
Net charge-offs	$27,000	2,414
Cash dividends	$91,000	3,244
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$403,000	4,128
2017-03-31 (YTD Data)		Rank
Total interest income	$1,324,000	3,687
Total interest expense	$208,000	2,782
Net interest income	$1,116,000	3,790
Provision for loan and lease losses	$20,000	2,800
Total noninterest income	$100,000	4,280
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$42,000	3,742
Trading account gains and fees	$0	142
Additional Noninterest Income	$58,000	4,150
Total noninterest expense	$963,000	3,688
Salaries and employee benefits	$558,000	3,621
Premises and equipment expense	$108,000	3,605
Additional noninterest expense	$297,000	3,730
Pre-tax net operating income	$233,000	4,189
Securities gains (losses)	$0	1,153
Applicable income taxes	$65,000	2,723
Income before extraordinary items	$168,000	4,365
Extraordinary gains, net	$0	8
Net income	$168,000	4,365
Minority interest net income	$0	55
Net income of bank and minority interests.	$168,000	4,365
Net charge-offs	$0	2,943
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$168,000	4,354
2016-12-31 (YTD Data)		Rank
Total interest income	$4,989,000	3,807
Total interest expense	$711,000	3,016
Net interest income	$4,278,000	3,878
Provision for loan and lease losses	$81,000	3,298
Total noninterest income	$507,000	4,069
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$225,000	3,426
Trading account gains and fees	$0	170
Additional Noninterest Income	$282,000	3,998
Total noninterest expense	$3,794,000	3,750
Salaries and employee benefits	$2,122,000	3,710
Premises and equipment expense	$392,000	3,807
Additional noninterest expense	$1,280,000	3,667
Pre-tax net operating income	$910,000	4,182
Securities gains (losses)	$0	3,212
Applicable income taxes	$255,000	2,762
Income before extraordinary items	$655,000	4,441
Extraordinary gains, net	$0	5
Net income	$655,000	4,439
Minority interest net income	$0	82
Net income of bank and minority interests.	$655,000	4,440
Net charge-offs	$40,000	3,302
Cash dividends	$423,000	3,153
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$655,000	4,391
2016-09-30 (YTD Data)		Rank
Total interest income	$3,691,000	3,856
Total interest expense	$514,000	3,086
Net interest income	$3,177,000	3,922
Provision for loan and lease losses	$66,000	3,124
Total noninterest income	$397,000	4,038
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$177,000	3,369
Trading account gains and fees	$0	169
Additional Noninterest Income	$220,000	3,981
Total noninterest expense	$2,840,000	3,764
Salaries and employee benefits	$1,577,000	3,739
Premises and equipment expense	$299,000	3,801
Additional noninterest expense	$964,000	3,691
Pre-tax net operating income	$668,000	4,305
Securities gains (losses)	$0	3,160
Applicable income taxes	$180,000	2,873
Income before extraordinary items	$488,000	4,526
Extraordinary gains, net	$0	5
Net income	$488,000	4,525
Minority interest net income	$0	71
Net income of bank and minority interests.	$488,000	4,526
Net charge-offs	$40,000	2,735
Cash dividends	$212,000	3,119
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$488,000	4,450
2016-06-30 (YTD Data)		Rank
Total interest income	$2,428,000	3,903
Total interest expense	$333,000	3,140
Net interest income	$2,095,000	3,974
Provision for loan and lease losses	$46,000	3,011
Total noninterest income	$251,000	4,130
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$126,000	3,254
Trading account gains and fees	$0	157
Additional Noninterest Income	$125,000	4,198
Total noninterest expense	$1,895,000	3,782
Salaries and employee benefits	$1,044,000	3,780
Premises and equipment expense	$203,000	3,795
Additional noninterest expense	$648,000	3,699
Pre-tax net operating income	$405,000	4,428
Securities gains (losses)	$0	2,835
Applicable income taxes	$103,000	2,976
Income before extraordinary items	$302,000	4,628
Extraordinary gains, net	$0	16
Net income	$302,000	4,624
Minority interest net income	$0	71
Net income of bank and minority interests.	$302,000	4,625
Net charge-offs	$45,000	2,224
Cash dividends	$212,000	2,804
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$302,000	4,564
2016-03-31 (YTD Data)		Rank
Total interest income	$1,219,000	3,912
Total interest expense	$168,000	3,145
Net interest income	$1,051,000	3,979
Provision for loan and lease losses	$20,000	2,874
Total noninterest income	$122,000	4,139
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$42,000	3,837
Trading account gains and fees	$0	142
Additional Noninterest Income	$80,000	3,869
Total noninterest expense	$960,000	3,791
Salaries and employee benefits	$538,000	3,749
Premises and equipment expense	$101,000	3,843
Additional noninterest expense	$321,000	3,721
Pre-tax net operating income	$193,000	4,478
Securities gains (losses)	$0	2,077
Applicable income taxes	$31,000	3,256
Income before extraordinary items	$162,000	4,528
Extraordinary gains, net	$0	12
Net income	$162,000	4,527
Minority interest net income	$0	62
Net income of bank and minority interests.	$162,000	4,529
Net charge-offs	$18,000	2,041
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$162,000	4,467
2015-12-31 (YTD Data)		Rank
Total interest income	$4,580,000	4,044
Total interest expense	$783,000	2,862
Net interest income	$3,797,000	4,175
Provision for loan and lease losses	$102,000	3,014
Total noninterest income	$423,000	4,413
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$162,000	4,043
Trading account gains and fees	$0	159
Additional Noninterest Income	$261,000	4,143
Total noninterest expense	$3,599,000	3,946
Salaries and employee benefits	$1,897,000	4,012
Premises and equipment expense	$422,000	3,818
Additional noninterest expense	$1,280,000	3,776
Pre-tax net operating income	$519,000	4,888
Securities gains (losses)	$0	3,216
Applicable income taxes	$130,000	3,197
Income before extraordinary items	$389,000	5,041
Extraordinary gains, net	$0	23
Net income	$389,000	5,045
Minority interest net income	$0	81
Net income of bank and minority interests.	$389,000	5,045
Net charge-offs	$-15,000	5,278
Cash dividends	$373,000	3,217
Sale, conversion, retirement of capital stock, net	$1,315,000	189
Net operating income	$389,000	5,003
2015-09-30 (YTD Data)		Rank
Total interest income	$3,405,000	4,104
Total interest expense	$590,000	2,893
Net interest income	$2,815,000	4,237
Provision for loan and lease losses	$81,000	2,899
Total noninterest income	$322,000	4,428
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$118,000	4,117
Trading account gains and fees	$0	153
Additional Noninterest Income	$204,000	4,113
Total noninterest expense	$2,675,000	3,984
Salaries and employee benefits	$1,410,000	4,057
Premises and equipment expense	$321,000	3,822
Additional noninterest expense	$944,000	3,829
Pre-tax net operating income	$381,000	5,038
Securities gains (losses)	$0	3,031
Applicable income taxes	$89,000	3,339
Income before extraordinary items	$292,000	5,137
Extraordinary gains, net	$0	21
Net income	$292,000	5,142
Minority interest net income	$0	78
Net income of bank and minority interests.	$292,000	5,144
Net charge-offs	$-15,000	5,271
Cash dividends	$144,000	3,307
Sale, conversion, retirement of capital stock, net	$1,315,000	145
Net operating income	$292,000	5,087
2015-06-30 (YTD Data)		Rank
Total interest income	$2,248,000	4,143
Total interest expense	$388,000	2,939
Net interest income	$1,860,000	4,287
Provision for loan and lease losses	$61,000	2,654
Total noninterest income	$212,000	4,466
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$78,000	4,124
Trading account gains and fees	$0	157
Additional Noninterest Income	$134,000	4,166
Total noninterest expense	$1,786,000	4,019
Salaries and employee benefits	$930,000	4,113
Premises and equipment expense	$218,000	3,819
Additional noninterest expense	$638,000	3,827
Pre-tax net operating income	$225,000	5,142
Securities gains (losses)	$0	2,636
Applicable income taxes	$50,000	3,444
Income before extraordinary items	$175,000	5,241
Extraordinary gains, net	$0	22
Net income	$175,000	5,242
Minority interest net income	$0	75
Net income of bank and minority interests.	$175,000	5,245
Net charge-offs	$-18,000	5,444
Cash dividends	$144,000	3,023
Sale, conversion, retirement of capital stock, net	$1,318,000	118
Net operating income	$175,000	5,204
2015-03-31 (YTD Data)		Rank
Total interest income	$1,116,000	4,177
Total interest expense	$195,000	2,952
Net interest income	$921,000	4,322
Provision for loan and lease losses	$40,000	2,298
Total noninterest income	$85,000	4,734
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$37,000	4,194
Trading account gains and fees	$0	152
Additional Noninterest Income	$48,000	4,560
Total noninterest expense	$896,000	4,056
Salaries and employee benefits	$473,000	4,099
Premises and equipment expense	$115,000	3,752
Additional noninterest expense	$308,000	3,904
Pre-tax net operating income	$70,000	5,464
Securities gains (losses)	$0	2,027
Applicable income taxes	$14,000	3,696
Income before extraordinary items	$56,000	5,559
Extraordinary gains, net	$0	13
Net income	$56,000	5,560
Minority interest net income	$0	64
Net income of bank and minority interests.	$56,000	5,560
Net charge-offs	$-21,000	5,688
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$138,000	229
Net operating income	$56,000	5,501
2014-12-31 (YTD Data)		Rank
Total interest income	$4,358,000	4,284
Total interest expense	$728,000	3,223
Net interest income	$3,630,000	4,397
Provision for loan and lease losses	$152,000	2,758
Total noninterest income	$411,000	4,581
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$152,000	4,374
Trading account gains and fees	$0	180
Additional Noninterest Income	$259,000	4,208
Total noninterest expense	$3,362,000	4,233
Salaries and employee benefits	$1,836,000	4,175
Premises and equipment expense	$417,000	3,998
Additional noninterest expense	$1,109,000	4,220
Pre-tax net operating income	$527,000	4,983
Securities gains (losses)	$0	3,259
Applicable income taxes	$149,000	3,160
Income before extraordinary items	$378,000	5,216
Extraordinary gains, net	$0	17
Net income	$378,000	5,215
Minority interest net income	$0	84
Net income of bank and minority interests.	$378,000	5,216
Net charge-offs	$82,000	3,377
Cash dividends	$363,000	3,219
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$378,000	5,165
2014-09-30 (YTD Data)		Rank
Total interest income	$3,237,000	4,338
Total interest expense	$538,000	3,309
Net interest income	$2,699,000	4,448
Provision for loan and lease losses	$114,000	2,676
Total noninterest income	$319,000	4,566
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$112,000	4,443
Trading account gains and fees	$0	174
Additional Noninterest Income	$207,000	4,159
Total noninterest expense	$2,495,000	4,276
Salaries and employee benefits	$1,380,000	4,184
Premises and equipment expense	$312,000	4,057
Additional noninterest expense	$803,000	4,325
Pre-tax net operating income	$409,000	5,034
Securities gains (losses)	$0	2,980
Applicable income taxes	$114,000	3,209
Income before extraordinary items	$295,000	5,244
Extraordinary gains, net	$0	15
Net income	$295,000	5,244
Minority interest net income	$0	81
Net income of bank and minority interests.	$295,000	5,246
Net charge-offs	$82,000	2,878
Cash dividends	$176,000	3,173
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$295,000	5,207
2014-06-30 (YTD Data)		Rank
Total interest income	$2,130,000	4,390
Total interest expense	$350,000	3,391
Net interest income	$1,780,000	4,477
Provision for loan and lease losses	$75,000	2,610
Total noninterest income	$209,000	4,595
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$71,000	4,525
Trading account gains and fees	$0	172
Additional Noninterest Income	$138,000	4,146
Total noninterest expense	$1,651,000	4,326
Salaries and employee benefits	$923,000	4,211
Premises and equipment expense	$209,000	4,084
Additional noninterest expense	$519,000	4,409
Pre-tax net operating income	$263,000	5,059
Securities gains (losses)	$0	2,580
Applicable income taxes	$66,000	3,285
Income before extraordinary items	$197,000	5,234
Extraordinary gains, net	$0	20
Net income	$197,000	5,236
Minority interest net income	$0	80
Net income of bank and minority interests.	$197,000	5,237
Net charge-offs	$81,000	2,385
Cash dividends	$176,000	2,828
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$197,000	5,184
2014-03-31 (YTD Data)		Rank
Total interest income	$1,046,000	4,450
Total interest expense	$175,000	3,446
Net interest income	$871,000	4,565
Provision for loan and lease losses	$38,000	2,482
Total noninterest income	$86,000	4,861
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$37,000	4,453
Trading account gains and fees	$0	147
Additional Noninterest Income	$49,000	4,588
Total noninterest expense	$845,000	4,293
Salaries and employee benefits	$477,000	4,162
Premises and equipment expense	$107,000	4,064
Additional noninterest expense	$261,000	4,426
Pre-tax net operating income	$74,000	5,521
Securities gains (losses)	$0	1,715
Applicable income taxes	$20,000	3,505
Income before extraordinary items	$54,000	5,671
Extraordinary gains, net	$0	16
Net income	$54,000	5,672
Minority interest net income	$0	66
Net income of bank and minority interests.	$54,000	5,672
Net charge-offs	$50,000	1,867
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$54,000	5,632
2013-12-31 (YTD Data)		Rank
Total interest income	$4,335,000	4,435
Total interest expense	$846,000	3,323
Net interest income	$3,489,000	4,600
Provision for loan and lease losses	$172,000	3,145
Total noninterest income	$484,000	4,451
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$165,000	4,432
Trading account gains and fees	$0	184
Additional Noninterest Income	$319,000	4,011
Total noninterest expense	$3,188,000	4,470
Salaries and employee benefits	$1,749,000	4,382
Premises and equipment expense	$407,000	4,176
Additional noninterest expense	$1,032,000	4,518
Pre-tax net operating income	$613,000	4,785
Securities gains (losses)	$0	3,182
Applicable income taxes	$174,000	3,048
Income before extraordinary items	$439,000	5,047
Extraordinary gains, net	$0	29
Net income	$439,000	5,050
Minority interest net income	$0	90
Net income of bank and minority interests.	$439,000	5,050
Net charge-offs	$38,000	4,533
Cash dividends	$349,000	3,154
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$439,000	4,988
2013-09-30 (YTD Data)		Rank
Total interest income	$3,300,000	4,442
Total interest expense	$646,000	3,364
Net interest income	$2,654,000	4,602
Provision for loan and lease losses	$121,000	3,177
Total noninterest income	$397,000	4,398
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$128,000	4,402
Trading account gains and fees	$0	180
Additional Noninterest Income	$269,000	3,908
Total noninterest expense	$2,360,000	4,521
Salaries and employee benefits	$1,296,000	4,427
Premises and equipment expense	$300,000	4,260
Additional noninterest expense	$764,000	4,582
Pre-tax net operating income	$570,000	4,584
Securities gains (losses)	$0	3,040
Applicable income taxes	$165,000	2,951
Income before extraordinary items	$405,000	4,901
Extraordinary gains, net	$0	25
Net income	$405,000	4,901
Minority interest net income	$0	84
Net income of bank and minority interests.	$405,000	4,902
Net charge-offs	$27,000	4,250
Cash dividends	$172,000	3,032
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$405,000	4,807
2013-06-30 (YTD Data)		Rank
Total interest income	$2,048,000	4,622
Total interest expense	$432,000	3,423
Net interest income	$1,616,000	4,824
Provision for loan and lease losses	$81,000	3,160
Total noninterest income	$246,000	4,556
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$86,000	4,368
Trading account gains and fees	$0	157
Additional Noninterest Income	$160,000	4,134
Total noninterest expense	$1,536,000	4,590
Salaries and employee benefits	$832,000	4,547
Premises and equipment expense	$201,000	4,254
Additional noninterest expense	$503,000	4,625
Pre-tax net operating income	$245,000	5,086
Securities gains (losses)	$0	2,791
Applicable income taxes	$53,000	3,474
Income before extraordinary items	$192,000	5,314
Extraordinary gains, net	$0	22
Net income	$192,000	5,317
Minority interest net income	$0	82
Net income of bank and minority interests.	$192,000	5,317
Net charge-offs	$0	4,909
Cash dividends	$172,000	2,663
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$192,000	5,191
2013-03-31 (YTD Data)		Rank
Total interest income	$1,015,000	4,682
Total interest expense	$218,000	3,490
Net interest income	$797,000	4,872
Provision for loan and lease losses	$40,000	3,034
Total noninterest income	$101,000	4,832
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$41,000	4,435
Trading account gains and fees	$0	148
Additional Noninterest Income	$60,000	4,488
Total noninterest expense	$765,000	4,634
Salaries and employee benefits	$416,000	4,597
Premises and equipment expense	$102,000	4,259
Additional noninterest expense	$247,000	4,675
Pre-tax net operating income	$93,000	5,387
Securities gains (losses)	$0	1,966
Applicable income taxes	$24,000	3,495
Income before extraordinary items	$69,000	5,619
Extraordinary gains, net	$0	10
Net income	$69,000	5,621
Minority interest net income	$0	76
Net income of bank and minority interests.	$69,000	5,621
Net charge-offs	$0	4,145
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$69,000	5,520
2012-12-31 (YTD Data)		Rank
Total interest income	$4,199,000	4,743
Total interest expense	$976,000	3,663
Net interest income	$3,223,000	4,948
Provision for loan and lease losses	$142,000	4,342
Total noninterest income	$374,000	4,919
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$192,000	4,344
Trading account gains and fees	$0	166
Additional Noninterest Income	$182,000	4,704
Total noninterest expense	$2,843,000	4,871
Salaries and employee benefits	$1,520,000	4,812
Premises and equipment expense	$355,000	4,576
Additional noninterest expense	$968,000	4,868
Pre-tax net operating income	$612,000	4,685
Securities gains (losses)	$0	3,810
Applicable income taxes	$170,000	3,125
Income before extraordinary items	$442,000	5,087
Extraordinary gains, net	$0	29
Net income	$442,000	5,085
Minority interest net income	$0	93
Net income of bank and minority interests.	$442,000	5,086
Net charge-offs	$32,000	5,176
Cash dividends	$317,000	3,237
Sale, conversion, retirement of capital stock, net	$1,584,000	173
Net operating income	$442,000	4,883
2012-09-30 (YTD Data)		Rank
Total interest income	$3,154,000	4,828
Total interest expense	$741,000	3,761
Net interest income	$2,413,000	5,033
Provision for loan and lease losses	$106,000	4,290
Total noninterest income	$255,000	5,102
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$137,000	4,501
Trading account gains and fees	$0	157
Additional Noninterest Income	$118,000	4,914
Total noninterest expense	$2,116,000	4,922
Salaries and employee benefits	$1,117,000	4,886
Premises and equipment expense	$267,000	4,622
Additional noninterest expense	$732,000	4,884
Pre-tax net operating income	$446,000	4,850
Securities gains (losses)	$0	3,575
Applicable income taxes	$130,000	3,185
Income before extraordinary items	$316,000	5,265
Extraordinary gains, net	$0	20
Net income	$316,000	5,263
Minority interest net income	$0	86
Net income of bank and minority interests.	$316,000	5,263
Net charge-offs	$11,000	5,283
Cash dividends	$125,000	3,187
Sale, conversion, retirement of capital stock, net	$1,069,000	159
Net operating income	$316,000	5,073
2012-06-30 (YTD Data)		Rank
Total interest income	$2,064,000	4,926
Total interest expense	$496,000	3,849
Net interest income	$1,568,000	5,107
Provision for loan and lease losses	$71,000	4,233
Total noninterest income	$200,000	4,860
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$96,000	4,388
Trading account gains and fees	$0	153
Additional Noninterest Income	$104,000	4,607
Total noninterest expense	$1,386,000	4,993
Salaries and employee benefits	$729,000	4,974
Premises and equipment expense	$178,000	4,645
Additional noninterest expense	$479,000	4,976
Pre-tax net operating income	$311,000	4,792
Securities gains (losses)	$0	3,178
Applicable income taxes	$93,000	3,108
Income before extraordinary items	$218,000	5,239
Extraordinary gains, net	$0	19
Net income	$218,000	5,239
Minority interest net income	$0	84
Net income of bank and minority interests.	$218,000	5,239
Net charge-offs	$8,000	5,010
Cash dividends	$125,000	2,850
Sale, conversion, retirement of capital stock, net	$335,000	216
Net operating income	$218,000	5,041
2012-03-31 (YTD Data)		Rank
Total interest income	$1,029,000	4,972
Total interest expense	$252,000	3,921
Net interest income	$777,000	5,157
Provision for loan and lease losses	$35,000	4,011
Total noninterest income	$82,000	5,221
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$47,000	4,404
Trading account gains and fees	$0	148
Additional Noninterest Income	$35,000	5,179
Total noninterest expense	$693,000	5,028
Salaries and employee benefits	$364,000	5,013
Premises and equipment expense	$89,000	4,667
Additional noninterest expense	$240,000	4,963
Pre-tax net operating income	$131,000	5,107
Securities gains (losses)	$0	2,210
Applicable income taxes	$31,000	3,411
Income before extraordinary items	$100,000	5,358
Extraordinary gains, net	$0	19
Net income	$100,000	5,359
Minority interest net income	$0	78
Net income of bank and minority interests.	$100,000	5,359
Net charge-offs	$11,000	3,996
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$100,000	5,208
2011-12-31 (YTD Data)		Rank
Total interest income	$4,103,000	5,090
Total interest expense	$1,176,000	4,023
Net interest income	$2,927,000	5,325
Provision for loan and lease losses	$142,000	5,004
Total noninterest income	$418,000	4,702
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$241,000	4,034
Trading account gains and fees	$0	146
Additional Noninterest Income	$177,000	4,616
Total noninterest expense	$2,788,000	5,079
Salaries and employee benefits	$1,475,000	5,015
Premises and equipment expense	$360,000	4,804
Additional noninterest expense	$953,000	5,012
Pre-tax net operating income	$415,000	4,937
Securities gains (losses)	$128,000	1,846
Applicable income taxes	$72,000	3,567
Income before extraordinary items	$471,000	4,740
Extraordinary gains, net	$0	29
Net income	$471,000	4,742
Minority interest net income	$0	96
Net income of bank and minority interests.	$471,000	4,741
Net charge-offs	$88,000	5,093
Cash dividends	$243,000	3,193
Sale, conversion, retirement of capital stock, net	$1,213,000	297
Net operating income	$359,640	4,934
2011-09-30 (YTD Data)		Rank
Total interest income	$3,068,000	5,150
Total interest expense	$915,000	4,051
Net interest income	$2,153,000	5,398
Provision for loan and lease losses	$106,000	4,885
Total noninterest income	$322,000	4,691
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$187,000	3,982
Trading account gains and fees	$0	145
Additional Noninterest Income	$135,000	4,689
Total noninterest expense	$2,060,000	5,120
Salaries and employee benefits	$1,074,000	5,073
Premises and equipment expense	$269,000	4,876
Additional noninterest expense	$717,000	5,030
Pre-tax net operating income	$309,000	5,072
Securities gains (losses)	$128,000	1,564
Applicable income taxes	$0	4,740
Income before extraordinary items	$437,000	4,533
Extraordinary gains, net	$0	21
Net income	$437,000	4,534
Minority interest net income	$0	87
Net income of bank and minority interests.	$437,000	4,534
Net charge-offs	$85,000	4,587
Cash dividends	$110,000	3,083
Sale, conversion, retirement of capital stock, net	$1,213,000	250
Net operating income	$309,000	4,901
2011-06-30 (YTD Data)		Rank
Total interest income	$2,046,000	5,189
Total interest expense	$637,000	4,047
Net interest income	$1,409,000	5,473
Provision for loan and lease losses	$71,000	4,764
Total noninterest income	$225,000	4,667
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$123,000	3,990
Trading account gains and fees	$0	153
Additional Noninterest Income	$102,000	4,511
Total noninterest expense	$1,370,000	5,179
Salaries and employee benefits	$717,000	5,104
Premises and equipment expense	$181,000	4,885
Additional noninterest expense	$472,000	5,149
Pre-tax net operating income	$193,000	5,149
Securities gains (losses)	$0	2,914
Applicable income taxes	$0	4,697
Income before extraordinary items	$193,000	5,075
Extraordinary gains, net	$0	15
Net income	$193,000	5,075
Minority interest net income	$0	89
Net income of bank and minority interests.	$193,000	5,075
Net charge-offs	$19,000	5,072
Cash dividends	$110,000	2,733
Sale, conversion, retirement of capital stock, net	$793,000	180
Net operating income	$193,000	4,979
2011-03-31 (YTD Data)		Rank
Total interest income	$1,032,000	5,186
Total interest expense	$333,000	4,039
Net interest income	$699,000	5,488
Provision for loan and lease losses	$35,000	4,507
Total noninterest income	$90,000	5,091
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$57,000	4,112
Trading account gains and fees	$0	158
Additional Noninterest Income	$33,000	5,265
Total noninterest expense	$689,000	5,199
Salaries and employee benefits	$369,000	5,082
Premises and equipment expense	$96,000	4,808
Additional noninterest expense	$224,000	5,259
Pre-tax net operating income	$65,000	5,553
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$65,000	5,486
Extraordinary gains, net	$0	9
Net income	$65,000	5,484
Minority interest net income	$0	86
Net income of bank and minority interests.	$65,000	5,485
Net charge-offs	$20,000	4,032
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$57,000	335
Net operating income	$65,000	5,436
2010-12-31 (YTD Data)		Rank
Total interest income	$4,012,000	5,392
Total interest expense	$1,595,000	4,117
Net interest income	$2,417,000	5,832
Provision for loan and lease losses	$61,000	6,347
Total noninterest income	$389,000	5,002
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$243,000	4,062
Trading account gains and fees	$0	175
Additional Noninterest Income	$146,000	5,014
Total noninterest expense	$2,525,000	5,485
Salaries and employee benefits	$1,337,000	5,372
Premises and equipment expense	$309,000	5,333
Additional noninterest expense	$879,000	5,404
Pre-tax net operating income	$220,000	5,145
Securities gains (losses)	$32,000	2,903
Applicable income taxes	$19,000	4,021
Income before extraordinary items	$233,000	5,171
Extraordinary gains, net	$0	29
Net income	$233,000	5,175
Minority interest net income	$0	111
Net income of bank and minority interests.	$233,000	5,175
Net charge-offs	$-5,000	7,394
Cash dividends	$185,000	3,352
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$203,560	5,132
2010-09-30 (YTD Data)		Rank
Total interest income	$3,009,000	5,492
Total interest expense	$1,228,000	4,189
Net interest income	$1,781,000	5,965
Provision for loan and lease losses	$61,000	6,100
Total noninterest income	$295,000	5,076
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$180,000	4,146
Trading account gains and fees	$0	165
Additional Noninterest Income	$115,000	5,025
Total noninterest expense	$1,805,000	5,627
Salaries and employee benefits	$953,000	5,553
Premises and equipment expense	$223,000	5,494
Additional noninterest expense	$629,000	5,532
Pre-tax net operating income	$210,000	5,214
Securities gains (losses)	$32,000	2,694
Applicable income taxes	$0	4,726
Income before extraordinary items	$242,000	5,129
Extraordinary gains, net	$0	23
Net income	$242,000	5,131
Minority interest net income	$0	110
Net income of bank and minority interests.	$242,000	5,132
Net charge-offs	$-5,000	7,383
Cash dividends	$85,000	3,259
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$210,000	5,092
2010-06-30 (YTD Data)		Rank
Total interest income	$2,012,000	5,531
Total interest expense	$833,000	4,247
Net interest income	$1,179,000	5,995
Provision for loan and lease losses	$41,000	5,988
Total noninterest income	$205,000	4,987
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$122,000	4,107
Trading account gains and fees	$0	152
Additional Noninterest Income	$83,000	4,929
Total noninterest expense	$1,173,000	5,721
Salaries and employee benefits	$620,000	5,650
Premises and equipment expense	$150,000	5,511
Additional noninterest expense	$403,000	5,643
Pre-tax net operating income	$170,000	5,090
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$170,000	5,093
Extraordinary gains, net	$0	19
Net income	$170,000	5,096
Minority interest net income	$0	105
Net income of bank and minority interests.	$170,000	5,095
Net charge-offs	$-8,000	7,437
Cash dividends	$85,000	2,943
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$170,000	4,935
2010-03-31 (YTD Data)		Rank
Total interest income	$1,009,000	5,595
Total interest expense	$422,000	4,338
Net interest income	$587,000	6,055
Provision for loan and lease losses	$20,000	5,721
Total noninterest income	$84,000	5,344
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$56,000	4,261
Trading account gains and fees	$0	175
Additional Noninterest Income	$28,000	5,531
Total noninterest expense	$610,000	5,689
Salaries and employee benefits	$323,000	5,600
Premises and equipment expense	$80,000	5,439
Additional noninterest expense	$207,000	5,606
Pre-tax net operating income	$41,000	5,766
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$41,000	5,825
Extraordinary gains, net	$0	16
Net income	$41,000	5,827
Minority interest net income	$0	91
Net income of bank and minority interests.	$41,000	5,825
Net charge-offs	$-5,000	7,295
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$41,000	5,721
2009-12-31 (YTD Data)		Rank
Total interest income	$4,241,000	5,563
Total interest expense	$1,911,000	4,584
Net interest income	$2,330,000	6,007
Provision for loan and lease losses	$80,000	6,587
Total noninterest income	$419,000	5,038
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$283,000	3,992
Trading account gains and fees	$0	211
Additional Noninterest Income	$136,000	5,232
Total noninterest expense	$2,361,000	5,828
Salaries and employee benefits	$1,208,000	5,832
Premises and equipment expense	$259,000	5,981
Additional noninterest expense	$894,000	5,541
Pre-tax net operating income	$308,000	4,477
Securities gains (losses)	$21,000	3,019
Applicable income taxes	$3,000	4,116
Income before extraordinary items	$326,000	4,395
Extraordinary gains, net	$0	34
Net income	$326,000	4,396
Minority interest net income	$0	115
Net income of bank and minority interests.	$326,000	4,397
Net charge-offs	$55,000	6,147
Cash dividends	$255,000	3,391
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$305,210	4,380
2009-09-30 (YTD Data)		Rank
Total interest income	$3,197,000	5,619
Total interest expense	$1,477,000	4,643
Net interest income	$1,720,000	6,070
Provision for loan and lease losses	$80,000	6,212
Total noninterest income	$313,000	5,121
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$207,000	4,068
Trading account gains and fees	$0	212
Additional Noninterest Income	$106,000	5,301
Total noninterest expense	$1,682,000	5,976
Salaries and employee benefits	$863,000	5,960
Premises and equipment expense	$196,000	6,010
Additional noninterest expense	$623,000	5,725
Pre-tax net operating income	$271,000	4,640
Securities gains (losses)	$21,000	2,721
Applicable income taxes	$0	4,592
Income before extraordinary items	$292,000	4,463
Extraordinary gains, net	$0	27
Net income	$292,000	4,461
Minority interest net income	$0	118
Net income of bank and minority interests.	$292,000	4,463
Net charge-offs	$53,000	5,634
Cash dividends	$115,000	3,516
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$271,000	4,469
2009-06-30 (YTD Data)		Rank
Total interest income	$2,173,000	5,629
Total interest expense	$1,033,000	4,640
Net interest income	$1,140,000	6,085
Provision for loan and lease losses	$70,000	5,703
Total noninterest income	$212,000	5,120
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$134,000	4,095
Trading account gains and fees	$0	193
Additional Noninterest Income	$78,000	5,201
Total noninterest expense	$1,061,000	6,155
Salaries and employee benefits	$567,000	6,066
Premises and equipment expense	$134,000	5,998
Additional noninterest expense	$360,000	6,090
Pre-tax net operating income	$221,000	4,524
Securities gains (losses)	$21,000	2,305
Applicable income taxes	$0	4,657
Income before extraordinary items	$242,000	4,293
Extraordinary gains, net	$0	21
Net income	$242,000	4,292
Minority interest net income	$0	112
Net income of bank and minority interests.	$242,000	4,292
Net charge-offs	$22,000	5,547
Cash dividends	$115,000	3,172
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$221,000	4,299
2009-03-31 (YTD Data)		Rank
Total interest income	$1,084,000	5,678
Total interest expense	$534,000	4,655
Net interest income	$550,000	6,183
Provision for loan and lease losses	$40,000	5,160
Total noninterest income	$96,000	5,277
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$68,000	4,022
Trading account gains and fees	$0	171
Additional Noninterest Income	$28,000	5,720
Total noninterest expense	$528,000	6,133
Salaries and employee benefits	$283,000	6,117
Premises and equipment expense	$71,000	5,916
Additional noninterest expense	$174,000	5,951
Pre-tax net operating income	$78,000	5,281
Securities gains (losses)	$21,000	1,659
Applicable income taxes	$0	4,835
Income before extraordinary items	$99,000	4,980
Extraordinary gains, net	$0	15
Net income	$99,000	4,983
Minority interest net income	$0	102
Net income of bank and minority interests.	$99,000	4,982
Net charge-offs	$12,000	4,660
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$78,000	5,091
2008-12-31 (YTD Data)		Rank
Total interest income	$4,603,000	5,679
Total interest expense	$2,304,000	4,956
Net interest income	$2,299,000	6,097
Provision for loan and lease losses	$140,000	5,648
Total noninterest income	$447,000	5,068
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$314,000	3,935
Trading account gains and fees	$0	154
Additional Noninterest Income	$133,000	5,511
Total noninterest expense	$2,091,000	6,129
Salaries and employee benefits	$1,093,000	6,227
Premises and equipment expense	$286,000	5,919
Additional noninterest expense	$712,000	5,761
Pre-tax net operating income	$515,000	4,825
Securities gains (losses)	$3,000	2,883
Applicable income taxes	$-32,000	6,903
Income before extraordinary items	$550,000	4,297
Extraordinary gains, net	$0	39
Net income	$550,000	4,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	5,360
Cash dividends	$230,000	4,353
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$547,000	4,463
2008-09-30 (YTD Data)		Rank
Total interest income	$3,477,000	5,739
Total interest expense	$1,755,000	5,040
Net interest income	$1,722,000	6,151
Provision for loan and lease losses	$70,000	5,559
Total noninterest income	$324,000	5,219
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$220,000	4,080
Trading account gains and fees	$0	148
Additional Noninterest Income	$104,000	5,570
Total noninterest expense	$1,546,000	6,146
Salaries and employee benefits	$797,000	6,296
Premises and equipment expense	$222,000	5,840
Additional noninterest expense	$527,000	5,771
Pre-tax net operating income	$430,000	5,167
Securities gains (losses)	$3,000	2,756
Applicable income taxes	$3,000	5,129
Income before extraordinary items	$430,000	4,683
Extraordinary gains, net	$0	31
Net income	$430,000	4,681
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,620
Cash dividends	$100,000	4,390
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$427,030	4,848
2008-06-30 (YTD Data)		Rank
Total interest income	$2,224,000	5,898
Total interest expense	$1,213,000	5,081
Net interest income	$1,011,000	6,459
Provision for loan and lease losses	$20,000	5,946
Total noninterest income	$191,000	5,524
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$140,000	4,173
Trading account gains and fees	$0	149
Additional Noninterest Income	$51,000	6,108
Total noninterest expense	$1,016,000	6,237
Salaries and employee benefits	$535,000	6,333
Premises and equipment expense	$138,000	6,048
Additional noninterest expense	$343,000	5,818
Pre-tax net operating income	$166,000	6,027
Securities gains (losses)	$3,000	2,869
Applicable income taxes	$0	5,627
Income before extraordinary items	$169,000	5,837
Extraordinary gains, net	$0	21
Net income	$169,000	5,837
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,853
Cash dividends	$100,000	4,065
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$166,000	5,802
2008-03-31 (YTD Data)		Rank
Total interest income	$1,109,000	5,989
Total interest expense	$643,000	5,103
Net interest income	$466,000	6,663
Provision for loan and lease losses	$0	6,080
Total noninterest income	$94,000	5,558
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$67,000	4,239
Trading account gains and fees	$0	158
Additional Noninterest Income	$27,000	6,042
Total noninterest expense	$521,000	6,194
Salaries and employee benefits	$278,000	6,279
Premises and equipment expense	$74,000	5,910
Additional noninterest expense	$169,000	5,842
Pre-tax net operating income	$39,000	6,737
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$39,000	6,738
Extraordinary gains, net	$0	15
Net income	$39,000	6,739
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$39,000	6,638
2007-12-31 (YTD Data)		Rank
Total interest income	$4,145,000	6,161
Total interest expense	$2,404,000	5,371
Net interest income	$1,741,000	6,826
Provision for loan and lease losses	$43,000	5,808
Total noninterest income	$376,000	5,621
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$286,000	4,175
Trading account gains and fees	$0	178
Additional Noninterest Income	$90,000	6,375
Total noninterest expense	$1,999,000	6,219
Salaries and employee benefits	$1,001,000	6,425
Premises and equipment expense	$253,000	6,225
Additional noninterest expense	$745,000	5,558
Pre-tax net operating income	$75,000	7,218
Securities gains (losses)	$0	2,146
Applicable income taxes	$-15,000	7,824
Income before extraordinary items	$90,000	7,178
Extraordinary gains, net	$0	39
Net income	$90,000	7,177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	5,621
Cash dividends	$88,000	5,428
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$90,000	7,150
2007-09-30 (YTD Data)		Rank
Total interest income	$3,021,000	6,249
Total interest expense	$1,716,000	5,514
Net interest income	$1,305,000	6,872
Provision for loan and lease losses	$26,000	5,655
Total noninterest income	$277,000	5,699
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$209,000	4,250
Trading account gains and fees	$0	184
Additional Noninterest Income	$68,000	6,381
Total noninterest expense	$1,446,000	6,295
Salaries and employee benefits	$725,000	6,513
Premises and equipment expense	$182,000	6,308
Additional noninterest expense	$539,000	5,610
Pre-tax net operating income	$110,000	7,287
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$110,000	7,221
Extraordinary gains, net	$0	33
Net income	$110,000	7,219
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	4,450
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$110,000	7,205
2007-06-30 (YTD Data)		Rank
Total interest income	$1,989,000	6,311
Total interest expense	$1,114,000	5,595
Net interest income	$875,000	6,886
Provision for loan and lease losses	$4,000	6,049
Total noninterest income	$180,000	5,785
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$135,000	4,319
Trading account gains and fees	$0	168
Additional Noninterest Income	$45,000	6,440
Total noninterest expense	$955,000	6,370
Salaries and employee benefits	$484,000	6,564
Premises and equipment expense	$123,000	6,299
Additional noninterest expense	$348,000	5,702
Pre-tax net operating income	$96,000	7,274
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$96,000	7,146
Extraordinary gains, net	$0	29
Net income	$96,000	7,146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,005
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$96,000	7,137
2007-03-31 (YTD Data)		Rank
Total interest income	$990,000	6,347
Total interest expense	$539,000	5,674
Net interest income	$451,000	6,845
Provision for loan and lease losses	$2,000	5,657
Total noninterest income	$85,000	5,851
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$63,000	4,424
Trading account gains and fees	$0	195
Additional Noninterest Income	$22,000	6,474
Total noninterest expense	$482,000	6,376
Salaries and employee benefits	$244,000	6,582
Premises and equipment expense	$62,000	6,319
Additional noninterest expense	$176,000	5,648
Pre-tax net operating income	$52,000	7,250
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$52,000	7,127
Extraordinary gains, net	$0	22
Net income	$52,000	7,127
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$52,000	7,113
2006-12-31 (YTD Data)		Rank
Total interest income	$3,402,000	6,482
Total interest expense	$1,824,000	5,654
Net interest income	$1,578,000	7,080
Provision for loan and lease losses	$8,000	6,651
Total noninterest income	$332,000	5,984
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$233,000	4,662
Trading account gains and fees	$0	130
Additional Noninterest Income	$99,000	6,345
Total noninterest expense	$1,843,000	6,373
Salaries and employee benefits	$928,000	6,583
Premises and equipment expense	$202,000	6,717
Additional noninterest expense	$713,000	5,582
Pre-tax net operating income	$59,000	7,820
Securities gains (losses)	$0	1,687
Applicable income taxes	$-14,000	8,196
Income before extraordinary items	$73,000	7,777
Extraordinary gains, net	$0	51
Net income	$73,000	7,778
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-23,000	8,166
Cash dividends	$20,000	5,851
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$73,000	7,767
2006-09-30 (YTD Data)		Rank
Total interest income	$2,496,000	6,564
Total interest expense	$1,320,000	5,677
Net interest income	$1,176,000	7,176
Provision for loan and lease losses	$6,000	6,493
Total noninterest income	$246,000	6,046
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$170,000	4,767
Trading account gains and fees	$0	126
Additional Noninterest Income	$76,000	6,304
Total noninterest expense	$1,335,000	6,480
Salaries and employee benefits	$684,000	6,621
Premises and equipment expense	$143,000	6,849
Additional noninterest expense	$508,000	5,724
Pre-tax net operating income	$81,000	7,872
Securities gains (losses)	$0	1,388
Applicable income taxes	$-14,000	8,424
Income before extraordinary items	$95,000	7,749
Extraordinary gains, net	$0	45
Net income	$95,000	7,751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-22,000	8,096
Cash dividends	$20,000	5,191
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$95,000	7,749
2006-06-30 (YTD Data)		Rank
Total interest income	$1,627,000	6,613
Total interest expense	$845,000	5,665
Net interest income	$782,000	7,219
Provision for loan and lease losses	$4,000	6,268
Total noninterest income	$166,000	6,040
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$112,000	4,755
Trading account gains and fees	$0	126
Additional Noninterest Income	$54,000	6,262
Total noninterest expense	$849,000	6,621
Salaries and employee benefits	$446,000	6,705
Premises and equipment expense	$92,000	6,935
Additional noninterest expense	$311,000	5,963
Pre-tax net operating income	$95,000	7,726
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$95,000	7,564
Extraordinary gains, net	$0	39
Net income	$95,000	7,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	7,940
Cash dividends	$20,000	4,970
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$95,000	7,573
2006-03-31 (YTD Data)		Rank
Total interest income	$811,000	6,605
Total interest expense	$413,000	5,606
Net interest income	$398,000	7,212
Provision for loan and lease losses	$2,000	5,907
Total noninterest income	$74,000	6,226
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$51,000	4,914
Trading account gains and fees	$0	115
Additional Noninterest Income	$23,000	6,492
Total noninterest expense	$423,000	6,630
Salaries and employee benefits	$231,000	6,638
Premises and equipment expense	$45,000	6,974
Additional noninterest expense	$147,000	6,114
Pre-tax net operating income	$47,000	7,733
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$47,000	7,581
Extraordinary gains, net	$0	21
Net income	$47,000	7,580
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,838
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$47,000	7,580
2005-12-31 (YTD Data)		Rank
Total interest income	$3,440,000	6,237
Total interest expense	$2,174,000	4,193
Net interest income	$1,266,000	7,606
Provision for loan and lease losses	$47,000	5,842
Total noninterest income	$352,000	5,996
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$240,000	4,650
Trading account gains and fees	$0	138
Additional Noninterest Income	$112,000	6,225
Total noninterest expense	$2,872,000	4,928
Salaries and employee benefits	$1,014,000	6,318
Premises and equipment expense	$221,000	6,513
Additional noninterest expense	$1,637,000	3,019
Pre-tax net operating income	$-1,301,000	8,690
Securities gains (losses)	$-119,000	8,472
Applicable income taxes	$-134,000	8,629
Income before extraordinary items	$-1,286,000	8,714
Extraordinary gains, net	$0	46
Net income	$-1,286,000	8,713
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	4,820
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$-1,177,710	8,684
2005-09-30 (YTD Data)		Rank
Total interest income	$2,578,000	6,225
Total interest expense	$1,592,000	4,125
Net interest income	$986,000	7,592
Provision for loan and lease losses	$4,000	6,766
Total noninterest income	$278,000	5,934
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$188,000	4,601
Trading account gains and fees	$0	126
Additional Noninterest Income	$90,000	6,109
Total noninterest expense	$1,456,000	6,181
Salaries and employee benefits	$770,000	6,264
Premises and equipment expense	$150,000	6,713
Additional noninterest expense	$536,000	5,498
Pre-tax net operating income	$-196,000	8,483
Securities gains (losses)	$-74,000	8,578
Applicable income taxes	$-134,000	8,735
Income before extraordinary items	$-136,000	8,479
Extraordinary gains, net	$0	35
Net income	$-136,000	8,479
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	4,120
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$-88,640	8,415
2005-06-30 (YTD Data)		Rank
Total interest income	$1,723,000	6,167
Total interest expense	$1,049,000	4,001
Net interest income	$674,000	7,552
Provision for loan and lease losses	$1,000	6,595
Total noninterest income	$179,000	5,990
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$115,000	4,738
Trading account gains and fees	$0	116
Additional Noninterest Income	$64,000	6,019
Total noninterest expense	$954,000	6,233
Salaries and employee benefits	$505,000	6,312
Premises and equipment expense	$102,000	6,659
Additional noninterest expense	$347,000	5,554
Pre-tax net operating income	$-102,000	8,487
Securities gains (losses)	$0	2,146
Applicable income taxes	$-43,000	8,706
Income before extraordinary items	$-59,000	8,475
Extraordinary gains, net	$0	30
Net income	$-59,000	8,475
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,290
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$-59,000	8,445
2005-03-31 (YTD Data)		Rank
Total interest income	$855,000	6,198
Total interest expense	$528,000	3,880
Net interest income	$327,000	7,665
Provision for loan and lease losses	$0	6,226
Total noninterest income	$83,000	6,080
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$50,000	4,996
Trading account gains and fees	$0	115
Additional Noninterest Income	$33,000	6,001
Total noninterest expense	$490,000	6,184
Salaries and employee benefits	$248,000	6,409
Premises and equipment expense	$50,000	6,770
Additional noninterest expense	$192,000	5,230
Pre-tax net operating income	$-80,000	8,622
Securities gains (losses)	$0	1,685
Applicable income taxes	$-29,000	8,769
Income before extraordinary items	$-51,000	8,599
Extraordinary gains, net	$0	24
Net income	$-51,000	8,599
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,779
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-51,000	8,579
2004-12-31 (YTD Data)		Rank
Total interest income	$3,473,000	5,989
Total interest expense	$2,181,000	3,398
Net interest income	$1,292,000	7,616
Provision for loan and lease losses	$61,000	5,633
Total noninterest income	$466,000	5,438
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$216,000	5,064
Trading account gains and fees	$0	138
Additional Noninterest Income	$250,000	4,641
Total noninterest expense	$1,862,000	6,257
Salaries and employee benefits	$1,043,000	6,147
Premises and equipment expense	$225,000	6,455
Additional noninterest expense	$594,000	6,007
Pre-tax net operating income	$-165,000	8,517
Securities gains (losses)	$605,000	402
Applicable income taxes	$69,000	5,824
Income before extraordinary items	$371,000	6,928
Extraordinary gains, net	$0	34
Net income	$371,000	6,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,099
Cash dividends	$63,000	5,745
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$-137,200	8,515
2004-09-30 (YTD Data)		Rank
Total interest income	$2,610,000	5,993
Total interest expense	$1,619,000	3,377
Net interest income	$991,000	7,594
Provision for loan and lease losses	$61,000	5,112
Total noninterest income	$364,000	5,368
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$155,000	5,197
Trading account gains and fees	$0	134
Additional Noninterest Income	$209,000	4,407
Total noninterest expense	$1,374,000	6,268
Salaries and employee benefits	$787,000	6,068
Premises and equipment expense	$166,000	6,493
Additional noninterest expense	$421,000	6,156
Pre-tax net operating income	$-80,000	8,586
Securities gains (losses)	$602,000	378
Applicable income taxes	$24,000	6,420
Income before extraordinary items	$498,000	5,817
Extraordinary gains, net	$0	26
Net income	$498,000	5,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,357
Cash dividends	$25,000	5,187
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-73,900	8,575
2004-06-30 (YTD Data)		Rank
Total interest income	$1,717,000	6,036
Total interest expense	$1,077,000	3,372
Net interest income	$640,000	7,689
Provision for loan and lease losses	$61,000	4,254
Total noninterest income	$252,000	5,264
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$101,000	5,244
Trading account gains and fees	$0	130
Additional Noninterest Income	$151,000	4,291
Total noninterest expense	$925,000	6,270
Salaries and employee benefits	$541,000	6,015
Premises and equipment expense	$112,000	6,506
Additional noninterest expense	$272,000	6,279
Pre-tax net operating income	$-94,000	8,686
Securities gains (losses)	$374,000	418
Applicable income taxes	$32,000	5,987
Income before extraordinary items	$248,000	6,462
Extraordinary gains, net	$0	21
Net income	$248,000	6,462
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	4,091
Cash dividends	$25,000	4,902
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-84,860	8,677
2004-03-31 (YTD Data)		Rank
Total interest income	$865,000	6,042
Total interest expense	$540,000	3,410
Net interest income	$325,000	7,693
Provision for loan and lease losses	$0	6,501
Total noninterest income	$135,000	5,039
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$51,000	5,172
Trading account gains and fees	$0	121
Additional Noninterest Income	$84,000	4,069
Total noninterest expense	$470,000	6,255
Salaries and employee benefits	$271,000	6,068
Premises and equipment expense	$59,000	6,355
Additional noninterest expense	$140,000	6,209
Pre-tax net operating income	$-10,000	8,606
Securities gains (losses)	$374,000	314
Applicable income taxes	$41,000	5,084
Income before extraordinary items	$323,000	4,077
Extraordinary gains, net	$0	16
Net income	$323,000	4,076
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	3,590
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-9,860	8,596
2003-12-31 (YTD Data)		Rank
Total interest income	$3,670,000	5,912
Total interest expense	$2,249,000	3,631
Net interest income	$1,421,000	7,480
Provision for loan and lease losses	$40,000	6,511
Total noninterest income	$355,000	6,229
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$263,000	4,627
Trading account gains and fees	$0	160
Additional Noninterest Income	$92,000	6,661
Total noninterest expense	$1,982,000	6,017
Salaries and employee benefits	$1,022,000	6,184
Premises and equipment expense	$240,000	6,296
Additional noninterest expense	$720,000	5,413
Pre-tax net operating income	$-246,000	8,723
Securities gains (losses)	$435,000	832
Applicable income taxes	$-41,000	8,852
Income before extraordinary items	$230,000	7,619
Extraordinary gains, net	$0	54
Net income	$230,000	7,623
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,000	4,107
Cash dividends	$177,000	5,067
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-205,000	8,714
2003-09-30 (YTD Data)		Rank
Total interest income	$2,830,000	5,896
Total interest expense	$1,697,000	3,740
Net interest income	$1,133,000	7,407
Provision for loan and lease losses	$40,000	6,097
Total noninterest income	$275,000	6,197
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$198,000	4,641
Trading account gains and fees	$0	153
Additional Noninterest Income	$77,000	6,529
Total noninterest expense	$1,437,000	6,096
Salaries and employee benefits	$766,000	6,156
Premises and equipment expense	$182,000	6,259
Additional noninterest expense	$489,000	5,715
Pre-tax net operating income	$-69,000	8,739
Securities gains (losses)	$435,000	754
Applicable income taxes	$-14,000	8,935
Income before extraordinary items	$380,000	6,465
Extraordinary gains, net	$0	40
Net income	$380,000	6,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	3,836
Cash dividends	$152,000	4,359
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-55,000	8,723
2003-06-30 (YTD Data)		Rank
Total interest income	$1,960,000	5,816
Total interest expense	$1,138,000	3,835
Net interest income	$822,000	7,199
Provision for loan and lease losses	$40,000	5,444
Total noninterest income	$171,000	6,338
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$119,000	4,882
Trading account gains and fees	$0	150
Additional Noninterest Income	$52,000	6,500
Total noninterest expense	$957,000	6,130
Salaries and employee benefits	$517,000	6,141
Premises and equipment expense	$121,000	6,238
Additional noninterest expense	$319,000	5,767
Pre-tax net operating income	$-4,000	8,692
Securities gains (losses)	$435,000	631
Applicable income taxes	$15,000	6,772
Income before extraordinary items	$416,000	5,295
Extraordinary gains, net	$0	30
Net income	$416,000	5,295
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	4,275
Cash dividends	$153,000	3,819
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-5,950	8,674
2003-03-31 (YTD Data)		Rank
Total interest income	$1,027,000	5,685
Total interest expense	$575,000	3,886
Net interest income	$452,000	6,942
Provision for loan and lease losses	$40,000	4,103
Total noninterest income	$85,000	6,273
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$61,000	4,717
Trading account gains and fees	$0	134
Additional Noninterest Income	$24,000	6,621
Total noninterest expense	$484,000	6,106
Salaries and employee benefits	$258,000	6,145
Premises and equipment expense	$63,000	6,146
Additional noninterest expense	$163,000	5,663
Pre-tax net operating income	$13,000	8,552
Securities gains (losses)	$226,000	612
Applicable income taxes	$-1,000	8,975
Income before extraordinary items	$240,000	4,816
Extraordinary gains, net	$0	21
Net income	$240,000	4,816
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	3,468
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$14,000	8,462
2002-12-31 (YTD Data)		Rank
Total interest income	$4,465,000	5,556
Total interest expense	$2,549,000	4,043
Net interest income	$1,916,000	6,762
Provision for loan and lease losses	$30,000	7,191
Total noninterest income	$333,000	6,219
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$236,000	4,836
Trading account gains and fees	$0	153
Additional Noninterest Income	$97,000	6,503
Total noninterest expense	$1,882,000	6,090
Salaries and employee benefits	$983,000	6,207
Premises and equipment expense	$251,000	6,124
Additional noninterest expense	$648,000	5,666
Pre-tax net operating income	$337,000	7,409
Securities gains (losses)	$54,000	2,339
Applicable income taxes	$-25,000	8,931
Income before extraordinary items	$416,000	6,767
Extraordinary gains, net	$0	70
Net income	$416,000	6,766
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,276
Cash dividends	$313,000	4,241
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$362,000	6,893
2001-12-31 (YTD Data)		Rank
Total interest income	$4,997,000	5,617
Total interest expense	$3,005,000	4,727
Net interest income	$1,992,000	6,448
Provision for loan and lease losses	$15,000	7,716
Total noninterest income	$306,000	6,368
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$205,000	5,105
Trading account gains and fees	$0	177
Additional Noninterest Income	$101,000	6,420
Total noninterest expense	$1,796,000	6,131
Salaries and employee benefits	$979,000	6,061
Premises and equipment expense	$255,000	6,034
Additional noninterest expense	$562,000	6,082
Pre-tax net operating income	$487,000	6,601
Securities gains (losses)	$15,000	3,362
Applicable income taxes	$40,000	6,882
Income before extraordinary items	$462,000	6,248
Extraordinary gains, net	$0	105
Net income	$462,000	6,250
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,462
Cash dividends	$370,000	4,035
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$448,200	6,199
2000-12-31 (YTD Data)		Rank
Total interest income	$4,210,000	6,319
Total interest expense	$2,213,000	5,959
Net interest income	$1,997,000	6,563
Provision for loan and lease losses	$15,000	7,764
Total noninterest income	$288,000	6,414
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$158,000	5,645
Trading account gains and fees	NA	NA
Additional Noninterest Income	$130,000	5,818
Total noninterest expense	$1,629,000	6,419
Salaries and employee benefits	$921,000	6,241
Premises and equipment expense	$217,000	6,509
Additional noninterest expense	$490,000	6,502
Pre-tax net operating income	$642,000	6,432
Securities gains (losses)	$0	1,956
Applicable income taxes	$183,000	5,565
Income before extraordinary items	$459,000	6,545
Extraordinary gains, net	$0	38
Net income	$459,000	6,543
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	9,082
Cash dividends	$260,000	4,713
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$459,000	6,557
1999-12-31 (YTD Data)		Rank
Total interest income	$3,352,000	6,985
Total interest expense	$1,387,000	7,220
Net interest income	$1,965,000	6,709
Provision for loan and lease losses	$15,000	7,855
Total noninterest income	$113,000	8,626
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$95,000	6,811
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	9,339
Total noninterest expense	$1,458,000	6,886
Salaries and employee benefits	$830,000	6,615
Premises and equipment expense	$208,000	6,677
Additional noninterest expense	$420,000	7,113
Pre-tax net operating income	$605,000	6,693
Securities gains (losses)	$-84,000	9,921
Applicable income taxes	$159,000	6,165
Income before extraordinary items	$362,000	7,215
Extraordinary gains, net	$0	35
Net income	$362,000	7,216
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	9,212
Cash dividends	$210,000	5,136
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$419,960	6,855
1998-12-31 (YTD Data)		Rank
Total interest income	$3,127,000	7,379
Total interest expense	$1,397,000	7,430
Net interest income	$1,730,000	7,212
Provision for loan and lease losses	$30,000	7,298
Total noninterest income	$133,000	8,499
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	6,836
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	8,918
Total noninterest expense	$1,351,000	7,099
Salaries and employee benefits	$786,000	6,747
Premises and equipment expense	$207,000	6,600
Additional noninterest expense	$358,000	7,594
Pre-tax net operating income	$482,000	7,468
Securities gains (losses)	$0	4,449
Applicable income taxes	$133,000	7,072
Income before extraordinary items	$349,000	7,538
Extraordinary gains, net	$0	32
Net income	$349,000	7,538
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	4,524
Cash dividends	$241,000	5,020
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$349,000	7,456
1997-12-31 (YTD Data)		Rank
Total interest income	$2,782,000	8,029
Total interest expense	$1,090,000	8,432
Net interest income	$1,692,000	7,569
Provision for loan and lease losses	$15,000	8,110
Total noninterest income	$102,000	9,375
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	7,580
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	9,900
Total noninterest expense	$1,296,000	7,345
Salaries and employee benefits	$701,000	7,308
Premises and equipment expense	$131,000	8,214
Additional noninterest expense	$464,000	6,808
Pre-tax net operating income	$483,000	8,019
Securities gains (losses)	$0	3,944
Applicable income taxes	$138,000	7,787
Income before extraordinary items	$345,000	8,033
Extraordinary gains, net	$0	44
Net income	$345,000	8,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,093
Cash dividends	$141,000	6,022
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$345,000	7,984
1996-12-31 (YTD Data)		Rank
Total interest income	$2,683,000	8,453
Total interest expense	$1,016,000	8,951
Net interest income	$1,667,000	7,863
Provision for loan and lease losses	$15,000	8,204
Total noninterest income	$104,000	9,819
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$68,000	8,315
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	9,538
Total noninterest expense	$1,244,000	7,846
Salaries and employee benefits	$671,000	7,712
Premises and equipment expense	$118,000	8,844
Additional noninterest expense	$455,000	7,423
Pre-tax net operating income	$512,000	7,873
Securities gains (losses)	$0	4,148
Applicable income taxes	$132,000	8,174
Income before extraordinary items	$380,000	7,792
Extraordinary gains, net	$0	53
Net income	$380,000	7,789
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,336
Cash dividends	$380,000	4,013
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$380,000	7,730
1995-12-31 (YTD Data)		Rank
Total interest income	$2,704,000	8,631
Total interest expense	$1,030,000	9,150
Net interest income	$1,674,000	8,084
Provision for loan and lease losses	$56,000	5,991
Total noninterest income	$75,000	10,836
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	9,699
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	9,663
Total noninterest expense	$1,129,000	8,469
Salaries and employee benefits	$668,000	7,938
Premises and equipment expense	$105,000	9,481
Additional noninterest expense	$356,000	8,641
Pre-tax net operating income	$564,000	8,089
Securities gains (losses)	$-26,000	10,740
Applicable income taxes	$127,000	8,677
Income before extraordinary items	$411,000	7,957
Extraordinary gains, net	$0	65
Net income	$411,000	7,956
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$90,000	6,999
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$430,760	7,770
1994-12-31 (YTD Data)		Rank
Total interest income	$2,471,000	8,952
Total interest expense	$803,000	9,591
Net interest income	$1,668,000	8,394
Provision for loan and lease losses	$85,000	4,903
Total noninterest income	$78,000	11,302
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$29,000	10,344
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	9,662
Total noninterest expense	$1,065,000	9,106
Salaries and employee benefits	$588,000	8,699
Premises and equipment expense	$99,000	10,067
Additional noninterest expense	$378,000	9,057
Pre-tax net operating income	$596,000	8,027
Securities gains (losses)	$13,000	2,050
Applicable income taxes	$138,000	8,551
Income before extraordinary items	$471,000	7,534
Extraordinary gains, net	$0	249
Net income	$471,000	7,540
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	10,674
Cash dividends	$87,000	7,197
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$460,990	7,664
1993-12-31 (YTD Data)		Rank
Total interest income	$2,428,000	9,337
Total interest expense	$854,000	9,770
Net interest income	$1,574,000	8,887
Provision for loan and lease losses	$139,000	4,861
Total noninterest income	$105,000	11,200
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$26,000	10,867
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	8,670
Total noninterest expense	$977,000	9,833
Salaries and employee benefits	$514,000	9,535
Premises and equipment expense	$95,000	10,609
Additional noninterest expense	$368,000	9,631
Pre-tax net operating income	$563,000	8,204
Securities gains (losses)	$0	7,477
Applicable income taxes	$123,000	9,238
Income before extraordinary items	$440,000	8,061
Extraordinary gains, net	$0	3,149
Net income	$440,000	8,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$134,000	3,910
Cash dividends	$84,000	7,236
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$440,000	7,787
1992-12-31 (YTD Data)		Rank
Total interest income	$2,595,000	9,735
Total interest expense	$1,157,000	9,764
Net interest income	$1,438,000	9,487
Provision for loan and lease losses	$127,000	6,563
Total noninterest income	$100,000	11,727
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$25,000	11,220
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	9,058
Total noninterest expense	$895,000	10,511
Salaries and employee benefits	$458,000	10,222
Premises and equipment expense	$99,000	10,778
Additional noninterest expense	$338,000	10,340
Pre-tax net operating income	$516,000	8,301
Securities gains (losses)	$0	8,369
Applicable income taxes	$94,000	10,072
Income before extraordinary items	$422,000	7,996
Extraordinary gains, net	$0	1,422
Net income	$422,000	8,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$122,000	5,395
Cash dividends	$81,000	6,973
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$422,000	7,642

* 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.