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Cornerstone Bank, Income and Expense

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2024-09-30 (YTD Data)		Rank
Total interest income	$60,686,000	678
Total interest expense	$23,473,000	724
Net interest income	$37,213,000	675
Provision for loan and lease losses	$1,800,000	519
Total noninterest income	$4,024,000	1,127
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$675,000	1,098
Trading account gains and fees	$0	139
Additional Noninterest Income	$3,349,000	933
Total noninterest expense	$26,481,000	786
Salaries and employee benefits	$17,612,000	679
Premises and equipment expense	$2,529,000	784
Additional noninterest expense	$3,349,000	933
Pre-tax net operating income	$12,956,000	743
Securities gains (losses)	$-1,000	3,562
Applicable income taxes	$-3,815,000	4,512
Income before extraordinary items	$16,770,000	531
Extraordinary gains, net	$0	51
Net income	$16,770,000	540
Minority interest net income	$0	82
Net income of bank and minority interests.	$16,770,000	533
Net charge-offs	$185,000	1,099
Cash dividends	$1,428,000	1,469
Sale, conversion, retirement of capital stock, net	$0	527
Net operating income	$16,771,000	527
2024-06-30 (YTD Data)		Rank
Total interest income	$39,214,000	695
Total interest expense	$15,222,000	733
Net interest income	$23,992,000	693
Provision for loan and lease losses	$1,200,000	485
Total noninterest income	$2,648,000	1,131
Gross Fiduciary activities income	$0	962
Service charges on deposit accounts	$435,000	1,102
Trading account gains and fees	$0	145
Additional Noninterest Income	$2,213,000	943
Total noninterest expense	$17,471,000	797
Salaries and employee benefits	$11,662,000	683
Premises and equipment expense	$1,740,000	769
Additional noninterest expense	$2,213,000	943
Pre-tax net operating income	$7,969,000	798
Securities gains (losses)	$0	628
Applicable income taxes	$-5,730,000	4,539
Income before extraordinary items	$13,699,000	444
Extraordinary gains, net	$0	52
Net income	$13,699,000	446
Minority interest net income	$0	84
Net income of bank and minority interests.	$13,699,000	446
Net charge-offs	$183,000	836
Cash dividends	$1,428,000	1,154
Sale, conversion, retirement of capital stock, net	$0	496
Net operating income	$13,699,000	445
2024-03-31 (YTD Data)		Rank
Total interest income	$19,070,000	713
Total interest expense	$7,494,000	744
Net interest income	$11,576,000	728
Provision for loan and lease losses	$600,000	441
Total noninterest income	$1,225,000	1,175
Gross Fiduciary activities income	$0	895
Service charges on deposit accounts	$211,000	1,128
Trading account gains and fees	$0	121
Additional Noninterest Income	$1,014,000	982
Total noninterest expense	$8,870,000	795
Salaries and employee benefits	$5,776,000	698
Premises and equipment expense	$887,000	766
Additional noninterest expense	$1,014,000	982
Pre-tax net operating income	$3,331,000	903
Securities gains (losses)	$0	689
Applicable income taxes	$-7,619,000	4,570
Income before extraordinary items	$10,950,000	325
Extraordinary gains, net	$0	51
Net income	$10,950,000	326
Minority interest net income	$0	72
Net income of bank and minority interests.	$10,950,000	325
Net charge-offs	$87,000	759
Cash dividends	$0	2,345
Sale, conversion, retirement of capital stock, net	$0	434
Net operating income	$10,950,000	327
2023-12-31 (YTD Data)		Rank
Total interest income	$65,310,000	752
Total interest expense	$18,504,000	826
Net interest income	$46,806,000	711
Provision for loan and lease losses	$2,400,000	505
Total noninterest income	$4,213,000	1,319
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$778,000	1,214
Trading account gains and fees	$0	123
Additional Noninterest Income	$3,435,000	1,155
Total noninterest expense	$32,844,000	817
Salaries and employee benefits	$21,856,000	696
Premises and equipment expense	$2,990,000	869
Additional noninterest expense	$3,435,000	1,155
Pre-tax net operating income	$15,775,000	820
Securities gains (losses)	$-90,000	3,774
Applicable income taxes	$87,000	2,858
Income before extraordinary items	$15,598,000	710
Extraordinary gains, net	$0	54
Net income	$15,598,000	721
Minority interest net income	$0	88
Net income of bank and minority interests.	$15,598,000	713
Net charge-offs	$2,712,000	334
Cash dividends	$6,648,000	643
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$15,687,100	719
2023-09-30 (YTD Data)		Rank
Total interest income	$45,628,000	779
Total interest expense	$10,802,000	943
Net interest income	$34,826,000	718
Provision for loan and lease losses	$1,800,000	476
Total noninterest income	$3,053,000	1,332
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$570,000	1,235
Trading account gains and fees	$0	125
Additional Noninterest Income	$2,483,000	1,179
Total noninterest expense	$24,420,000	829
Salaries and employee benefits	$16,461,000	696
Premises and equipment expense	$2,228,000	882
Additional noninterest expense	$2,483,000	1,179
Pre-tax net operating income	$11,659,000	862
Securities gains (losses)	$-90,000	3,975
Applicable income taxes	$87,000	2,783
Income before extraordinary items	$11,482,000	742
Extraordinary gains, net	$0	52
Net income	$11,482,000	746
Minority interest net income	$0	81
Net income of bank and minority interests.	$11,482,000	742
Net charge-offs	$-897,000	4,596
Cash dividends	$5,209,000	585
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$11,571,100	751
2023-06-30 (YTD Data)		Rank
Total interest income	$28,974,000	788
Total interest expense	$5,571,000	1,029
Net interest income	$23,403,000	714
Provision for loan and lease losses	$1,200,000	467
Total noninterest income	$1,941,000	1,328
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$362,000	1,271
Trading account gains and fees	$0	112
Additional Noninterest Income	$1,579,000	1,151
Total noninterest expense	$16,276,000	815
Salaries and employee benefits	$11,011,000	686
Premises and equipment expense	$1,505,000	852
Additional noninterest expense	$1,579,000	1,150
Pre-tax net operating income	$7,868,000	858
Securities gains (losses)	$18,000	476
Applicable income taxes	$87,000	2,606
Income before extraordinary items	$7,799,000	724
Extraordinary gains, net	$0	51
Net income	$7,799,000	736
Minority interest net income	$0	81
Net income of bank and minority interests.	$7,799,000	724
Net charge-offs	$-177,000	4,525
Cash dividends	$3,771,000	549
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$7,781,180	733
2023-03-31 (YTD Data)		Rank
Total interest income	$13,772,000	815
Total interest expense	$1,938,000	1,219
Net interest income	$11,834,000	715
Provision for loan and lease losses	$600,000	466
Total noninterest income	$998,000	1,297
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$154,000	1,450
Trading account gains and fees	$0	97
Additional Noninterest Income	$844,000	1,083
Total noninterest expense	$7,928,000	847
Salaries and employee benefits	$5,544,000	701
Premises and equipment expense	$765,000	868
Additional noninterest expense	$844,000	1,083
Pre-tax net operating income	$4,304,000	837
Securities gains (losses)	$0	950
Applicable income taxes	$87,000	2,235
Income before extraordinary items	$4,217,000	702
Extraordinary gains, net	$0	4
Net income	$4,217,000	701
Minority interest net income	$0	48
Net income of bank and minority interests.	$4,217,000	701
Net charge-offs	$-47,000	4,431
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$4,217,000	714
2022-12-31 (YTD Data)		Rank
Total interest income	$44,867,000	818
Total interest expense	$2,952,000	1,196
Net interest income	$41,915,000	786
Provision for loan and lease losses	$1,200,000	719
Total noninterest income	$4,407,000	1,293
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$741,000	1,281
Trading account gains and fees	$0	116
Additional Noninterest Income	$3,666,000	1,110
Total noninterest expense	$27,407,000	936
Salaries and employee benefits	$18,709,000	800
Premises and equipment expense	$2,646,000	961
Additional noninterest expense	$3,666,000	1,110
Pre-tax net operating income	$17,715,000	826
Securities gains (losses)	$0	691
Applicable income taxes	$53,000	3,236
Income before extraordinary items	$17,662,000	710
Extraordinary gains, net	$0	5
Net income	$17,662,000	711
Minority interest net income	$0	63
Net income of bank and minority interests.	$17,662,000	711
Net charge-offs	$-6,000	3,530
Cash dividends	$4,727,000	817
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$17,662,000	713
2022-09-30 (YTD Data)		Rank
Total interest income	$31,351,000	835
Total interest expense	$1,852,000	1,085
Net interest income	$29,499,000	826
Provision for loan and lease losses	$900,000	670
Total noninterest income	$3,303,000	1,318
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$567,000	1,280
Trading account gains and fees	$0	111
Additional Noninterest Income	$2,736,000	1,136
Total noninterest expense	$20,008,000	950
Salaries and employee benefits	$13,782,000	803
Premises and equipment expense	$1,982,000	952
Additional noninterest expense	$2,736,000	1,136
Pre-tax net operating income	$11,894,000	896
Securities gains (losses)	$0	740
Applicable income taxes	$53,000	3,137
Income before extraordinary items	$11,841,000	773
Extraordinary gains, net	$0	4
Net income	$11,841,000	773
Minority interest net income	$0	57
Net income of bank and minority interests.	$11,841,000	773
Net charge-offs	$-94,000	4,278
Cash dividends	$3,180,000	813
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$11,841,000	782
2022-06-30 (YTD Data)		Rank
Total interest income	$19,583,000	851
Total interest expense	$1,188,000	976
Net interest income	$18,395,000	844
Provision for loan and lease losses	$600,000	609
Total noninterest income	$2,051,000	1,359
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$372,000	1,264
Trading account gains and fees	$0	108
Additional Noninterest Income	$1,679,000	1,226
Total noninterest expense	$12,978,000	957
Salaries and employee benefits	$9,000,000	807
Premises and equipment expense	$1,325,000	945
Additional noninterest expense	$2,653,000	1,276
Pre-tax net operating income	$6,868,000	964
Securities gains (losses)	$0	687
Applicable income taxes	$53,000	2,900
Income before extraordinary items	$6,815,000	824
Extraordinary gains, net	$0	4
Net income	$6,815,000	824
Minority interest net income	$0	60
Net income of bank and minority interests.	$6,815,000	824
Net charge-offs	$-31,000	4,028
Cash dividends	$2,300,000	755
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$6,815,000	841
2022-03-31 (YTD Data)		Rank
Total interest income	$9,319,000	858
Total interest expense	$617,000	896
Net interest income	$8,702,000	857
Provision for loan and lease losses	$300,000	484
Total noninterest income	$928,000	1,441
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$183,000	1,259
Trading account gains and fees	$0	103
Additional Noninterest Income	$745,000	1,316
Total noninterest expense	$6,663,000	932
Salaries and employee benefits	$4,582,000	802
Premises and equipment expense	$610,000	1,021
Additional noninterest expense	$1,471,000	1,158
Pre-tax net operating income	$2,667,000	1,102
Securities gains (losses)	$0	623
Applicable income taxes	$53,000	2,473
Income before extraordinary items	$2,614,000	981
Extraordinary gains, net	$0	4
Net income	$2,614,000	980
Minority interest net income	$0	50
Net income of bank and minority interests.	$2,614,000	981
Net charge-offs	$68,000	584
Cash dividends	$1,300,000	645
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$2,614,000	992
2021-12-31 (YTD Data)		Rank
Total interest income	$38,129,000	872
Total interest expense	$3,017,000	897
Net interest income	$35,112,000	864
Provision for loan and lease losses	$2,145,000	266
Total noninterest income	$-31,000	4,828
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$700,000	1,249
Trading account gains and fees	$0	132
Additional Noninterest Income	$-731,000	4,844
Total noninterest expense	$22,208,000	1,075
Salaries and employee benefits	$16,156,000	883
Premises and equipment expense	$2,259,000	1,089
Additional noninterest expense	$3,793,000	1,648
Pre-tax net operating income	$10,728,000	1,220
Securities gains (losses)	$9,000	1,734
Applicable income taxes	$53,000	3,285
Income before extraordinary items	$10,684,000	1,099
Extraordinary gains, net	$0	10
Net income	$10,684,000	1,099
Minority interest net income	$0	74
Net income of bank and minority interests.	$10,684,000	1,099
Net charge-offs	$2,247,000	267
Cash dividends	$5,746,000	720
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$10,675,000	1,080
2021-09-30 (YTD Data)		Rank
Total interest income	$28,852,000	874
Total interest expense	$2,329,000	923
Net interest income	$26,523,000	870
Provision for loan and lease losses	$1,846,000	235
Total noninterest income	$-714,000	4,912
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$399,000	1,531
Trading account gains and fees	$0	132
Additional Noninterest Income	$-1,113,000	4,920
Total noninterest expense	$16,801,000	1,080
Salaries and employee benefits	$13,328,000	829
Premises and equipment expense	$1,671,000	1,111
Additional noninterest expense	$1,802,000	2,316
Pre-tax net operating income	$7,162,000	1,363
Securities gains (losses)	$9,000	1,653
Applicable income taxes	$53,000	3,172
Income before extraordinary items	$7,118,000	1,231
Extraordinary gains, net	$0	8
Net income	$7,118,000	1,231
Minority interest net income	$0	69
Net income of bank and minority interests.	$7,118,000	1,231
Net charge-offs	$1,972,000	243
Cash dividends	$4,495,000	637
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$7,109,090	1,218
2021-06-30 (YTD Data)		Rank
Total interest income	$19,903,000	846
Total interest expense	$1,599,000	934
Net interest income	$18,304,000	837
Provision for loan and lease losses	$1,882,000	164
Total noninterest income	$-1,009,000	4,949
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$247,000	1,569
Trading account gains and fees	$0	133
Additional Noninterest Income	$-1,256,000	4,957
Total noninterest expense	$10,381,000	1,136
Salaries and employee benefits	$8,914,000	821
Premises and equipment expense	$1,074,000	1,141
Additional noninterest expense	$393,000	3,991
Pre-tax net operating income	$5,032,000	1,316
Securities gains (losses)	$9,000	1,454
Applicable income taxes	$53,000	3,010
Income before extraordinary items	$4,988,000	1,184
Extraordinary gains, net	$0	6
Net income	$4,988,000	1,185
Minority interest net income	$0	67
Net income of bank and minority interests.	$4,988,000	1,185
Net charge-offs	$2,041,000	191
Cash dividends	$3,309,000	577
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$4,979,090	1,165
2021-03-31 (YTD Data)		Rank
Total interest income	$10,608,000	785
Total interest expense	$833,000	951
Net interest income	$9,775,000	776
Provision for loan and lease losses	$1,583,000	112
Total noninterest income	$-1,597,000	4,974
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$97,000	1,827
Trading account gains and fees	$0	127
Additional Noninterest Income	$-1,694,000	4,982
Total noninterest expense	$4,277,000	1,294
Salaries and employee benefits	$4,564,000	791
Premises and equipment expense	$560,000	1,109
Additional noninterest expense	$-847,000	4,984
Pre-tax net operating income	$2,318,000	1,367
Securities gains (losses)	$0	1,392
Applicable income taxes	$53,000	2,669
Income before extraordinary items	$2,265,000	1,272
Extraordinary gains, net	$0	3
Net income	$2,265,000	1,272
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,265,000	1,272
Net charge-offs	$1,798,000	146
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$2,265,000	1,242
2020-12-31 (YTD Data)		Rank
Total interest income	$40,169,000	832
Total interest expense	$5,038,000	946
Net interest income	$35,131,000	819
Provision for loan and lease losses	$4,424,000	626
Total noninterest income	$9,545,000	826
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$436,000	1,773
Trading account gains and fees	$0	133
Additional Noninterest Income	$9,109,000	692
Total noninterest expense	$30,470,000	804
Salaries and employee benefits	$16,736,000	829
Premises and equipment expense	$2,466,000	996
Additional noninterest expense	$11,268,000	672
Pre-tax net operating income	$9,782,000	1,080
Securities gains (losses)	$220,000	987
Applicable income taxes	$44,000	3,223
Income before extraordinary items	$9,958,000	968
Extraordinary gains, net	$0	4
Net income	$9,958,000	968
Minority interest net income	$0	72
Net income of bank and minority interests.	$9,958,000	968
Net charge-offs	$607,000	863
Cash dividends	$6,164,000	641
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$9,738,000	949
2020-09-30 (YTD Data)		Rank
Total interest income	$31,074,000	812
Total interest expense	$4,015,000	955
Net interest income	$27,059,000	789
Provision for loan and lease losses	$3,534,000	636
Total noninterest income	$9,920,000	646
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$320,000	1,794
Trading account gains and fees	$0	125
Additional Noninterest Income	$9,600,000	525
Total noninterest expense	$26,005,000	712
Salaries and employee benefits	$13,357,000	782
Premises and equipment expense	$1,902,000	969
Additional noninterest expense	$10,746,000	514
Pre-tax net operating income	$7,440,000	1,029
Securities gains (losses)	$220,000	843
Applicable income taxes	$44,000	3,133
Income before extraordinary items	$7,616,000	900
Extraordinary gains, net	$0	4
Net income	$7,616,000	900
Minority interest net income	$0	65
Net income of bank and minority interests.	$7,616,000	900
Net charge-offs	$179,000	1,327
Cash dividends	$5,956,000	522
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$7,398,200	899
2020-06-30 (YTD Data)		Rank
Total interest income	$21,956,000	766
Total interest expense	$2,771,000	991
Net interest income	$19,185,000	736
Provision for loan and lease losses	$3,244,000	535
Total noninterest income	$8,724,000	500
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$215,000	1,810
Trading account gains and fees	$0	123
Additional Noninterest Income	$8,509,000	393
Total noninterest expense	$19,403,000	634
Salaries and employee benefits	$8,885,000	780
Premises and equipment expense	$1,280,000	962
Additional noninterest expense	$9,238,000	423
Pre-tax net operating income	$5,262,000	911
Securities gains (losses)	$191,000	719
Applicable income taxes	$44,000	2,950
Income before extraordinary items	$5,409,000	788
Extraordinary gains, net	$0	4
Net income	$5,409,000	788
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,409,000	788
Net charge-offs	$-46,000	4,729
Cash dividends	$4,359,000	484
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$5,219,910	783
2020-03-31 (YTD Data)		Rank
Total interest income	$9,677,000	879
Total interest expense	$1,444,000	1,040
Net interest income	$8,233,000	841
Provision for loan and lease losses	$290,000	1,227
Total noninterest income	$6,174,000	365
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$131,000	1,794
Trading account gains and fees	$0	106
Additional Noninterest Income	$6,043,000	276
Total noninterest expense	$11,291,000	540
Salaries and employee benefits	$4,326,000	793
Premises and equipment expense	$640,000	978
Additional noninterest expense	$6,325,000	336
Pre-tax net operating income	$2,826,000	777
Securities gains (losses)	$180,000	410
Applicable income taxes	$44,000	2,484
Income before extraordinary items	$2,962,000	657
Extraordinary gains, net	$0	4
Net income	$2,962,000	657
Minority interest net income	$0	56
Net income of bank and minority interests.	$2,962,000	657
Net charge-offs	$-24,000	4,708
Cash dividends	$887,000	902
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$2,783,800	678
2019-12-31 (YTD Data)		Rank
Total interest income	$38,466,000	881
Total interest expense	$5,413,000	1,166
Net interest income	$33,053,000	836
Provision for loan and lease losses	$653,000	1,274
Total noninterest income	$5,109,000	1,117
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$480,000	1,975
Trading account gains and fees	$0	135
Additional Noninterest Income	$4,629,000	879
Total noninterest expense	$26,722,000	861
Salaries and employee benefits	$16,179,000	814
Premises and equipment expense	$2,599,000	953
Additional noninterest expense	$7,944,000	853
Pre-tax net operating income	$10,787,000	997
Securities gains (losses)	$240,000	578
Applicable income taxes	$38,000	3,397
Income before extraordinary items	$10,989,000	872
Extraordinary gains, net	$0	11
Net income	$10,989,000	873
Minority interest net income	$0	76
Net income of bank and minority interests.	$10,989,000	873
Net charge-offs	$1,418,000	530
Cash dividends	$6,078,000	687
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$10,749,000	870
2019-09-30 (YTD Data)		Rank
Total interest income	$28,614,000	890
Total interest expense	$3,873,000	1,211
Net interest income	$24,741,000	840
Provision for loan and lease losses	$757,000	854
Total noninterest income	$3,771,000	1,115
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$355,000	1,999
Trading account gains and fees	$0	129
Additional Noninterest Income	$3,416,000	872
Total noninterest expense	$20,051,000	852
Salaries and employee benefits	$11,678,000	831
Premises and equipment expense	$2,001,000	936
Additional noninterest expense	$6,372,000	799
Pre-tax net operating income	$7,704,000	1,046
Securities gains (losses)	$156,000	608
Applicable income taxes	$38,000	3,355
Income before extraordinary items	$7,822,000	921
Extraordinary gains, net	$0	11
Net income	$7,822,000	922
Minority interest net income	$0	72
Net income of bank and minority interests.	$7,822,000	922
Net charge-offs	$456,000	807
Cash dividends	$3,622,000	774
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$7,666,000	917
2019-06-30 (YTD Data)		Rank
Total interest income	$18,902,000	891
Total interest expense	$2,393,000	1,272
Net interest income	$16,509,000	829
Provision for loan and lease losses	$572,000	777
Total noninterest income	$2,163,000	1,207
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$229,000	2,016
Trading account gains and fees	$0	131
Additional Noninterest Income	$1,934,000	953
Total noninterest expense	$13,062,000	870
Salaries and employee benefits	$7,741,000	830
Premises and equipment expense	$1,374,000	915
Additional noninterest expense	$3,947,000	858
Pre-tax net operating income	$5,038,000	1,044
Securities gains (losses)	$45,000	775
Applicable income taxes	$37,000	3,229
Income before extraordinary items	$5,046,000	912
Extraordinary gains, net	$0	11
Net income	$5,046,000	912
Minority interest net income	$0	69
Net income of bank and minority interests.	$5,046,000	912
Net charge-offs	$358,000	701
Cash dividends	$2,750,000	698
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$5,001,450	906
2019-03-31 (YTD Data)		Rank
Total interest income	$9,287,000	904
Total interest expense	$1,089,000	1,342
Net interest income	$8,198,000	838
Provision for loan and lease losses	$286,000	736
Total noninterest income	$1,048,000	1,206
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$109,000	2,081
Trading account gains and fees	$0	126
Additional Noninterest Income	$939,000	937
Total noninterest expense	$6,585,000	856
Salaries and employee benefits	$3,902,000	824
Premises and equipment expense	$724,000	887
Additional noninterest expense	$1,959,000	850
Pre-tax net operating income	$2,375,000	1,072
Securities gains (losses)	$9,000	735
Applicable income taxes	$38,000	2,821
Income before extraordinary items	$2,346,000	951
Extraordinary gains, net	$0	5
Net income	$2,346,000	950
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,346,000	950
Net charge-offs	$3,000	2,375
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$2,337,180	939
2018-12-31 (YTD Data)		Rank
Total interest income	$35,411,000	887
Total interest expense	$3,071,000	1,405
Net interest income	$32,340,000	828
Provision for loan and lease losses	$100,000	3,044
Total noninterest income	$3,094,000	1,507
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$399,000	2,301
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,695,000	1,227
Total noninterest expense	$24,382,000	903
Salaries and employee benefits	$15,011,000	835
Premises and equipment expense	$2,430,000	1,004
Additional noninterest expense	$6,941,000	971
Pre-tax net operating income	$10,952,000	970
Securities gains (losses)	$0	1,125
Applicable income taxes	$3,000	3,873
Income before extraordinary items	$10,949,000	846
Extraordinary gains, net	$0	6
Net income	$10,949,000	844
Minority interest net income	$0	72
Net income of bank and minority interests.	$10,949,000	845
Net charge-offs	$-770,000	5,344
Cash dividends	$8,541,000	481
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$10,949,000	846
2018-09-30 (YTD Data)		Rank
Total interest income	$26,080,000	892
Total interest expense	$2,244,000	1,362
Net interest income	$23,836,000	834
Provision for loan and lease losses	$300,000	1,565
Total noninterest income	$2,110,000	1,630
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$293,000	2,334
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,817,000	1,337
Total noninterest expense	$18,023,000	910
Salaries and employee benefits	$11,379,000	823
Premises and equipment expense	$1,874,000	968
Additional noninterest expense	$4,770,000	1,036
Pre-tax net operating income	$7,623,000	1,028
Securities gains (losses)	$0	1,118
Applicable income taxes	$3,000	3,907
Income before extraordinary items	$7,620,000	899
Extraordinary gains, net	$0	5
Net income	$7,620,000	897
Minority interest net income	$0	66
Net income of bank and minority interests.	$7,620,000	898
Net charge-offs	$-603,000	5,398
Cash dividends	$7,781,000	388
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$7,620,000	900
2018-06-30 (YTD Data)		Rank
Total interest income	$16,669,000	922
Total interest expense	$1,451,000	1,326
Net interest income	$15,218,000	866
Provision for loan and lease losses	$300,000	1,165
Total noninterest income	$1,363,000	1,661
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$193,000	2,343
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,170,000	1,378
Total noninterest expense	$12,303,000	901
Salaries and employee benefits	$7,774,000	807
Premises and equipment expense	$1,271,000	955
Additional noninterest expense	$3,258,000	1,006
Pre-tax net operating income	$3,978,000	1,225
Securities gains (losses)	$0	961
Applicable income taxes	$3,000	3,871
Income before extraordinary items	$3,975,000	1,081
Extraordinary gains, net	$0	6
Net income	$3,975,000	1,080
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,975,000	1,080
Net charge-offs	$-718,000	5,489
Cash dividends	$7,020,000	300
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$3,975,000	1,077
2018-03-31 (YTD Data)		Rank
Total interest income	$8,117,000	930
Total interest expense	$715,000	1,284
Net interest income	$7,402,000	881
Provision for loan and lease losses	$300,000	673
Total noninterest income	$800,000	1,484
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$93,000	2,413
Trading account gains and fees	$0	123
Additional Noninterest Income	$707,000	1,192
Total noninterest expense	$6,308,000	881
Salaries and employee benefits	$4,092,000	780
Premises and equipment expense	$639,000	968
Additional noninterest expense	$1,577,000	1,031
Pre-tax net operating income	$1,594,000	1,426
Securities gains (losses)	$0	735
Applicable income taxes	$3,000	3,761
Income before extraordinary items	$1,591,000	1,275
Extraordinary gains, net	$0	7
Net income	$1,591,000	1,275
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,591,000	1,275
Net charge-offs	$-31,000	5,106
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,591,000	1,263
2017-12-31 (YTD Data)		Rank
Total interest income	$31,431,000	916
Total interest expense	$2,549,000	1,268
Net interest income	$28,882,000	871
Provision for loan and lease losses	$1,000,000	886
Total noninterest income	$6,785,000	895
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$407,000	2,364
Trading account gains and fees	$0	151
Additional Noninterest Income	$6,378,000	701
Total noninterest expense	$26,386,000	823
Salaries and employee benefits	$17,887,000	689
Premises and equipment expense	$2,297,000	1,034
Additional noninterest expense	$6,202,000	1,042
Pre-tax net operating income	$8,281,000	1,148
Securities gains (losses)	$6,000	1,742
Applicable income taxes	$487,000	2,438
Income before extraordinary items	$7,800,000	922
Extraordinary gains, net	$0	9
Net income	$7,800,000	922
Minority interest net income	$0	76
Net income of bank and minority interests.	$7,800,000	922
Net charge-offs	$475,000	1,129
Cash dividends	$2,171,000	1,331
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$7,794,360	912
2017-09-30 (YTD Data)		Rank
Total interest income	$23,423,000	919
Total interest expense	$1,852,000	1,284
Net interest income	$21,571,000	873
Provision for loan and lease losses	$750,000	870
Total noninterest income	$5,268,000	896
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$305,000	2,374
Trading account gains and fees	$0	145
Additional Noninterest Income	$4,963,000	701
Total noninterest expense	$19,420,000	842
Salaries and employee benefits	$13,315,000	693
Premises and equipment expense	$1,609,000	1,105
Additional noninterest expense	$4,496,000	1,076
Pre-tax net operating income	$6,669,000	1,100
Securities gains (losses)	$6,000	1,766
Applicable income taxes	$248,000	2,623
Income before extraordinary items	$6,427,000	920
Extraordinary gains, net	$0	9
Net income	$6,427,000	920
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,427,000	920
Net charge-offs	$-623,000	5,656
Cash dividends	$1,591,000	1,255
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$6,421,240	906
2017-06-30 (YTD Data)		Rank
Total interest income	$15,375,000	927
Total interest expense	$1,173,000	1,307
Net interest income	$14,202,000	882
Provision for loan and lease losses	$500,000	849
Total noninterest income	$3,137,000	957
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$205,000	2,355
Trading account gains and fees	$0	139
Additional Noninterest Income	$2,932,000	750
Total noninterest expense	$12,760,000	852
Salaries and employee benefits	$8,674,000	712
Premises and equipment expense	$1,054,000	1,122
Additional noninterest expense	$3,032,000	1,068
Pre-tax net operating income	$4,079,000	1,176
Securities gains (losses)	$6,000	1,397
Applicable income taxes	$153,000	2,655
Income before extraordinary items	$3,932,000	986
Extraordinary gains, net	$0	11
Net income	$3,932,000	987
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,932,000	986
Net charge-offs	$-461,000	5,716
Cash dividends	$1,011,000	1,288
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$3,926,240	978
2017-03-31 (YTD Data)		Rank
Total interest income	$7,482,000	937
Total interest expense	$556,000	1,345
Net interest income	$6,926,000	901
Provision for loan and lease losses	$250,000	786
Total noninterest income	$1,359,000	1,074
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$93,000	2,514
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,266,000	811
Total noninterest expense	$5,913,000	921
Salaries and employee benefits	$4,082,000	765
Premises and equipment expense	$507,000	1,178
Additional noninterest expense	$1,324,000	1,190
Pre-tax net operating income	$2,122,000	1,116
Securities gains (losses)	$0	1,153
Applicable income taxes	$62,000	2,759
Income before extraordinary items	$2,060,000	918
Extraordinary gains, net	$0	8
Net income	$2,060,000	918
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,060,000	918
Net charge-offs	$36,000	1,539
Cash dividends	$140,000	2,190
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$2,060,000	903
2016-12-31 (YTD Data)		Rank
Total interest income	$29,978,000	900
Total interest expense	$1,718,000	1,599
Net interest income	$28,260,000	846
Provision for loan and lease losses	$7,679,000	197
Total noninterest income	$7,317,000	874
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$356,000	2,663
Trading account gains and fees	$0	170
Additional Noninterest Income	$6,961,000	673
Total noninterest expense	$25,553,000	835
Salaries and employee benefits	$16,972,000	703
Premises and equipment expense	$2,100,000	1,127
Additional noninterest expense	$6,481,000	1,010
Pre-tax net operating income	$2,345,000	2,783
Securities gains (losses)	$54,000	1,786
Applicable income taxes	$157,000	3,065
Income before extraordinary items	$2,242,000	2,599
Extraordinary gains, net	$0	5
Net income	$2,242,000	2,597
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,242,000	2,598
Net charge-offs	$4,188,000	238
Cash dividends	$9,318,000	401
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,191,780	2,572
2016-09-30 (YTD Data)		Rank
Total interest income	$22,438,000	902
Total interest expense	$1,235,000	1,663
Net interest income	$21,203,000	830
Provision for loan and lease losses	$4,435,000	222
Total noninterest income	$5,349,000	882
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$269,000	2,655
Trading account gains and fees	$0	169
Additional Noninterest Income	$5,080,000	678
Total noninterest expense	$19,430,000	826
Salaries and employee benefits	$13,038,000	682
Premises and equipment expense	$1,527,000	1,162
Additional noninterest expense	$4,865,000	1,011
Pre-tax net operating income	$2,687,000	2,129
Securities gains (losses)	$54,000	1,711
Applicable income taxes	$83,000	3,324
Income before extraordinary items	$2,658,000	1,856
Extraordinary gains, net	$0	5
Net income	$2,658,000	1,856
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,658,000	1,856
Net charge-offs	$2,000	3,786
Cash dividends	$6,518,000	404
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,605,620	1,830
2016-06-30 (YTD Data)		Rank
Total interest income	$14,840,000	903
Total interest expense	$786,000	1,731
Net interest income	$14,054,000	830
Provision for loan and lease losses	$2,603,000	233
Total noninterest income	$2,823,000	1,040
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$179,000	2,628
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,644,000	796
Total noninterest expense	$12,939,000	824
Salaries and employee benefits	$8,799,000	674
Premises and equipment expense	$941,000	1,253
Additional noninterest expense	$3,199,000	1,023
Pre-tax net operating income	$1,335,000	2,587
Securities gains (losses)	$28,000	1,776
Applicable income taxes	$55,000	3,340
Income before extraordinary items	$1,308,000	2,350
Extraordinary gains, net	$0	16
Net income	$1,308,000	2,349
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,308,000	2,349
Net charge-offs	$23,000	2,683
Cash dividends	$5,998,000	324
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,281,120	2,324
2016-03-31 (YTD Data)		Rank
Total interest income	$7,428,000	904
Total interest expense	$390,000	1,733
Net interest income	$7,038,000	833
Provision for loan and lease losses	$1,319,000	233
Total noninterest income	$1,225,000	1,125
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$91,000	2,573
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,134,000	859
Total noninterest expense	$6,466,000	816
Salaries and employee benefits	$4,428,000	674
Premises and equipment expense	$436,000	1,339
Additional noninterest expense	$1,602,000	1,022
Pre-tax net operating income	$478,000	3,119
Securities gains (losses)	$28,000	1,083
Applicable income taxes	$20,000	3,484
Income before extraordinary items	$486,000	2,799
Extraordinary gains, net	$0	12
Net income	$486,000	2,798
Minority interest net income	$0	62
Net income of bank and minority interests.	$486,000	2,799
Net charge-offs	$31,000	1,731
Cash dividends	$2,906,000	324
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$459,120	2,833
2015-12-31 (YTD Data)		Rank
Total interest income	$29,140,000	891
Total interest expense	$1,744,000	1,566
Net interest income	$27,396,000	829
Provision for loan and lease losses	$2,029,000	447
Total noninterest income	$5,976,000	1,003
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$330,000	2,851
Trading account gains and fees	$0	159
Additional Noninterest Income	$5,646,000	750
Total noninterest expense	$22,370,000	930
Salaries and employee benefits	$14,706,000	776
Premises and equipment expense	$1,694,000	1,365
Additional noninterest expense	$5,970,000	1,089
Pre-tax net operating income	$8,973,000	977
Securities gains (losses)	$274,000	600
Applicable income taxes	$516,000	2,195
Income before extraordinary items	$8,731,000	824
Extraordinary gains, net	$0	23
Net income	$8,731,000	824
Minority interest net income	$0	81
Net income of bank and minority interests.	$8,731,000	824
Net charge-offs	$-749,000	6,063
Cash dividends	$3,564,000	870
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$8,473,440	828
2015-09-30 (YTD Data)		Rank
Total interest income	$21,428,000	908
Total interest expense	$1,341,000	1,545
Net interest income	$20,087,000	851
Provision for loan and lease losses	$1,129,000	531
Total noninterest income	$4,381,000	1,017
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$232,000	2,989
Trading account gains and fees	$0	153
Additional Noninterest Income	$4,149,000	762
Total noninterest expense	$16,326,000	954
Salaries and employee benefits	$10,696,000	814
Premises and equipment expense	$1,236,000	1,408
Additional noninterest expense	$4,394,000	1,109
Pre-tax net operating income	$7,013,000	952
Securities gains (losses)	$237,000	564
Applicable income taxes	$313,000	2,444
Income before extraordinary items	$6,937,000	797
Extraordinary gains, net	$0	21
Net income	$6,937,000	796
Minority interest net income	$0	78
Net income of bank and minority interests.	$6,937,000	797
Net charge-offs	$-434,000	6,085
Cash dividends	$3,565,000	631
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$6,709,480	793
2015-06-30 (YTD Data)		Rank
Total interest income	$13,777,000	943
Total interest expense	$919,000	1,511
Net interest income	$12,858,000	887
Provision for loan and lease losses	$433,000	882
Total noninterest income	$2,725,000	1,073
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$136,000	3,213
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,589,000	803
Total noninterest expense	$10,557,000	987
Salaries and employee benefits	$6,812,000	846
Premises and equipment expense	$818,000	1,435
Additional noninterest expense	$2,927,000	1,109
Pre-tax net operating income	$4,593,000	975
Securities gains (losses)	$108,000	814
Applicable income taxes	$205,000	2,459
Income before extraordinary items	$4,496,000	815
Extraordinary gains, net	$0	22
Net income	$4,496,000	814
Minority interest net income	$0	75
Net income of bank and minority interests.	$4,496,000	815
Net charge-offs	$-330,000	6,154
Cash dividends	$2,729,000	550
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$4,392,320	804
2015-03-31 (YTD Data)		Rank
Total interest income	$6,622,000	980
Total interest expense	$478,000	1,457
Net interest income	$6,144,000	922
Provision for loan and lease losses	$135,000	1,198
Total noninterest income	$1,263,000	1,092
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$43,000	3,933
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,220,000	803
Total noninterest expense	$5,128,000	1,008
Salaries and employee benefits	$3,235,000	883
Premises and equipment expense	$435,000	1,380
Additional noninterest expense	$1,458,000	1,097
Pre-tax net operating income	$2,144,000	1,004
Securities gains (losses)	$0	2,027
Applicable income taxes	$98,000	2,465
Income before extraordinary items	$2,046,000	855
Extraordinary gains, net	$0	13
Net income	$2,046,000	854
Minority interest net income	$0	64
Net income of bank and minority interests.	$2,046,000	855
Net charge-offs	$-553,000	6,359
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$2,046,000	827
2014-12-31 (YTD Data)		Rank
Total interest income	$10,473,000	2,302
Total interest expense	$1,291,000	2,130
Net interest income	$9,182,000	2,311
Provision for loan and lease losses	$-2,540,000	6,438
Total noninterest income	$3,556,000	1,381
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$95,000	5,066
Trading account gains and fees	$0	180
Additional Noninterest Income	$3,461,000	1,002
Total noninterest expense	$11,313,000	1,696
Salaries and employee benefits	$7,444,000	1,410
Premises and equipment expense	$899,000	2,448
Additional noninterest expense	$2,970,000	2,054
Pre-tax net operating income	$3,965,000	1,849
Securities gains (losses)	$164,000	918
Applicable income taxes	$185,000	3,015
Income before extraordinary items	$3,944,000	1,608
Extraordinary gains, net	$0	17
Net income	$3,944,000	1,607
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,944,000	1,607
Net charge-offs	$2,279,000	448
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,786,560	1,640
2014-09-30 (YTD Data)		Rank
Total interest income	$7,728,000	2,351
Total interest expense	$1,010,000	2,108
Net interest income	$6,718,000	2,378
Provision for loan and lease losses	$-2,750,000	6,543
Total noninterest income	$2,565,000	1,432
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$72,000	5,119
Trading account gains and fees	$0	174
Additional Noninterest Income	$2,493,000	1,043
Total noninterest expense	$8,487,000	1,693
Salaries and employee benefits	$5,697,000	1,393
Premises and equipment expense	$677,000	2,458
Additional noninterest expense	$2,113,000	2,141
Pre-tax net operating income	$3,546,000	1,603
Securities gains (losses)	$113,000	911
Applicable income taxes	$163,000	2,971
Income before extraordinary items	$3,496,000	1,386
Extraordinary gains, net	$0	15
Net income	$3,496,000	1,384
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,496,000	1,386
Net charge-offs	$-304,000	6,410
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$3,387,520	1,396
2014-06-30 (YTD Data)		Rank
Total interest income	$5,011,000	2,402
Total interest expense	$697,000	2,056
Net interest income	$4,314,000	2,469
Provision for loan and lease losses	$0	4,196
Total noninterest income	$1,527,000	1,535
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$49,000	5,099
Trading account gains and fees	$0	172
Additional Noninterest Income	$1,478,000	1,106
Total noninterest expense	$5,223,000	1,811
Salaries and employee benefits	$3,373,000	1,546
Premises and equipment expense	$445,000	2,505
Additional noninterest expense	$1,405,000	2,138
Pre-tax net operating income	$618,000	3,823
Securities gains (losses)	$59,000	1,081
Applicable income taxes	$31,000	3,683
Income before extraordinary items	$646,000	3,492
Extraordinary gains, net	$0	20
Net income	$646,000	3,498
Minority interest net income	$0	80
Net income of bank and minority interests.	$646,000	3,498
Net charge-offs	$-148,000	6,397
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$589,950	3,598
2014-03-31 (YTD Data)		Rank
Total interest income	$2,467,000	2,436
Total interest expense	$359,000	2,028
Net interest income	$2,108,000	2,507
Provision for loan and lease losses	$0	3,817
Total noninterest income	$662,000	1,662
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$26,000	5,010
Trading account gains and fees	$0	147
Additional Noninterest Income	$636,000	1,191
Total noninterest expense	$2,519,000	1,874
Salaries and employee benefits	$1,605,000	1,623
Premises and equipment expense	$228,000	2,501
Additional noninterest expense	$686,000	2,184
Pre-tax net operating income	$251,000	4,096
Securities gains (losses)	$27,000	855
Applicable income taxes	$12,000	3,740
Income before extraordinary items	$266,000	3,754
Extraordinary gains, net	$0	16
Net income	$266,000	3,757
Minority interest net income	$0	66
Net income of bank and minority interests.	$266,000	3,757
Net charge-offs	$-16,000	5,951
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$240,080	3,889
2013-12-31 (YTD Data)		Rank
Total interest income	$9,942,000	2,441
Total interest expense	$1,740,000	1,930
Net interest income	$8,202,000	2,542
Provision for loan and lease losses	$0	5,091
Total noninterest income	$5,493,000	1,056
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$102,000	5,232
Trading account gains and fees	$0	184
Additional Noninterest Income	$5,391,000	758
Total noninterest expense	$11,916,000	1,622
Salaries and employee benefits	$7,761,000	1,365
Premises and equipment expense	$684,000	3,012
Additional noninterest expense	$3,471,000	1,836
Pre-tax net operating income	$1,779,000	3,085
Securities gains (losses)	$0	3,182
Applicable income taxes	$505,000	2,142
Income before extraordinary items	$1,274,000	3,437
Extraordinary gains, net	$0	29
Net income	$1,274,000	3,438
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,274,000	3,440
Net charge-offs	$245,000	2,787
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,274,000	3,397
2013-09-30 (YTD Data)		Rank
Total interest income	$7,475,000	2,450
Total interest expense	$1,351,000	1,936
Net interest income	$6,124,000	2,567
Provision for loan and lease losses	$0	4,941
Total noninterest income	$4,643,000	990
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$74,000	5,318
Trading account gains and fees	$0	180
Additional Noninterest Income	$4,569,000	707
Total noninterest expense	$8,915,000	1,621
Salaries and employee benefits	$5,905,000	1,351
Premises and equipment expense	$521,000	3,009
Additional noninterest expense	$2,489,000	1,894
Pre-tax net operating income	$1,852,000	2,563
Securities gains (losses)	$0	3,040
Applicable income taxes	$547,000	1,824
Income before extraordinary items	$1,305,000	2,911
Extraordinary gains, net	$0	25
Net income	$1,305,000	2,915
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,305,000	2,915
Net charge-offs	$-713,000	6,841
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,305,000	2,837
2013-06-30 (YTD Data)		Rank
Total interest income	$4,735,000	2,569
Total interest expense	$928,000	1,906
Net interest income	$3,807,000	2,721
Provision for loan and lease losses	$0	4,788
Total noninterest income	$3,459,000	912
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$45,000	5,441
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,414,000	656
Total noninterest expense	$5,830,000	1,651
Salaries and employee benefits	$3,804,000	1,386
Premises and equipment expense	$357,000	2,950
Additional noninterest expense	$1,669,000	1,883
Pre-tax net operating income	$1,436,000	2,275
Securities gains (losses)	$0	2,791
Applicable income taxes	$531,000	1,454
Income before extraordinary items	$905,000	2,839
Extraordinary gains, net	$0	22
Net income	$905,000	2,843
Minority interest net income	$0	82
Net income of bank and minority interests.	$905,000	2,843
Net charge-offs	$-348,000	6,863
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$905,000	2,738
2013-03-31 (YTD Data)		Rank
Total interest income	$2,256,000	2,702
Total interest expense	$481,000	1,892
Net interest income	$1,775,000	2,891
Provision for loan and lease losses	$0	4,409
Total noninterest income	$1,891,000	857
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$22,000	5,472
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,869,000	623
Total noninterest expense	$2,857,000	1,698
Salaries and employee benefits	$1,838,000	1,446
Premises and equipment expense	$176,000	3,006
Additional noninterest expense	$843,000	1,856
Pre-tax net operating income	$809,000	2,019
Securities gains (losses)	$0	1,966
Applicable income taxes	$60,000	2,860
Income before extraordinary items	$749,000	1,898
Extraordinary gains, net	$0	10
Net income	$749,000	1,899
Minority interest net income	$0	76
Net income of bank and minority interests.	$749,000	1,900
Net charge-offs	$-207,000	6,915
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$749,000	1,815
2012-12-31 (YTD Data)		Rank
Total interest income	$10,275,000	2,507
Total interest expense	$2,823,000	1,572
Net interest income	$7,452,000	2,830
Provision for loan and lease losses	$0	5,905
Total noninterest income	$4,248,000	1,267
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$71,000	5,873
Trading account gains and fees	$0	166
Additional Noninterest Income	$4,177,000	931
Total noninterest expense	$10,867,000	1,767
Salaries and employee benefits	$6,558,000	1,545
Premises and equipment expense	$737,000	2,910
Additional noninterest expense	$3,572,000	1,842
Pre-tax net operating income	$833,000	4,289
Securities gains (losses)	$206,000	1,662
Applicable income taxes	$70,000	3,726
Income before extraordinary items	$969,000	3,972
Extraordinary gains, net	$0	29
Net income	$969,000	3,972
Minority interest net income	$0	93
Net income of bank and minority interests.	$969,000	3,974
Net charge-offs	$-223,000	7,010
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$777,420	4,146
2012-09-30 (YTD Data)		Rank
Total interest income	$7,759,000	2,541
Total interest expense	$2,270,000	1,536
Net interest income	$5,489,000	2,919
Provision for loan and lease losses	$0	5,790
Total noninterest income	$3,529,000	1,188
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$55,000	5,917
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,474,000	842
Total noninterest expense	$8,011,000	1,792
Salaries and employee benefits	$4,754,000	1,593
Premises and equipment expense	$653,000	2,574
Additional noninterest expense	$2,604,000	1,902
Pre-tax net operating income	$1,007,000	3,616
Securities gains (losses)	$160,000	1,614
Applicable income taxes	$98,000	3,385
Income before extraordinary items	$1,069,000	3,299
Extraordinary gains, net	$0	20
Net income	$1,187,000	3,101
Minority interest net income	$-118,000	7,168
Net income of bank and minority interests.	$1,069,000	3,301
Net charge-offs	$-89,000	7,018
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$921,800	3,438
2012-06-30 (YTD Data)		Rank
Total interest income	$5,258,000	2,512
Total interest expense	$1,608,000	1,503
Net interest income	$3,650,000	2,927
Provision for loan and lease losses	$0	5,619
Total noninterest income	$2,099,000	1,294
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$36,000	5,959
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,063,000	893
Total noninterest expense	$5,366,000	1,797
Salaries and employee benefits	$3,153,000	1,606
Premises and equipment expense	$359,000	2,999
Additional noninterest expense	$1,854,000	1,795
Pre-tax net operating income	$383,000	4,516
Securities gains (losses)	$37,000	2,229
Applicable income taxes	$44,000	3,618
Income before extraordinary items	$376,000	4,469
Extraordinary gains, net	$0	19
Net income	$476,000	4,079
Minority interest net income	$-100,000	7,236
Net income of bank and minority interests.	$376,000	4,473
Net charge-offs	$10,000	4,928
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$342,700	4,428
2012-03-31 (YTD Data)		Rank
Total interest income	$2,742,000	2,444
Total interest expense	$852,000	1,475
Net interest income	$1,890,000	2,850
Provision for loan and lease losses	$0	5,254
Total noninterest income	$829,000	1,491
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$18,000	5,949
Trading account gains and fees	$0	148
Additional Noninterest Income	$811,000	1,066
Total noninterest expense	$2,661,000	1,811
Salaries and employee benefits	$1,553,000	1,631
Premises and equipment expense	$185,000	2,956
Additional noninterest expense	$923,000	1,796
Pre-tax net operating income	$58,000	5,846
Securities gains (losses)	$0	2,210
Applicable income taxes	$15,000	3,807
Income before extraordinary items	$43,000	6,060
Extraordinary gains, net	$0	19
Net income	$115,000	5,204
Minority interest net income	$-72,000	7,301
Net income of bank and minority interests.	$43,000	6,060
Net charge-offs	$-85,000	7,161
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$43,000	5,920
2011-12-31 (YTD Data)		Rank
Total interest income	$11,461,000	2,443
Total interest expense	$4,025,000	1,505
Net interest income	$7,436,000	2,911
Provision for loan and lease losses	$0	6,496
Total noninterest income	$2,423,000	1,758
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$106,000	5,428
Trading account gains and fees	$0	146
Additional Noninterest Income	$2,317,000	1,233
Total noninterest expense	$9,522,000	2,004
Salaries and employee benefits	$5,885,000	1,658
Premises and equipment expense	$813,000	2,883
Additional noninterest expense	$2,824,000	2,320
Pre-tax net operating income	$337,000	5,138
Securities gains (losses)	$333,000	1,060
Applicable income taxes	$294,000	2,556
Income before extraordinary items	$376,000	5,007
Extraordinary gains, net	$0	29
Net income	$562,000	4,493
Minority interest net income	$-186,000	7,347
Net income of bank and minority interests.	$376,000	5,009
Net charge-offs	$2,180,000	1,476
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$162,880	5,549
2011-09-30 (YTD Data)		Rank
Total interest income	$8,818,000	2,396
Total interest expense	$3,064,000	1,544
Net interest income	$5,754,000	2,850
Provision for loan and lease losses	$0	6,393
Total noninterest income	$1,243,000	2,280
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$78,000	5,490
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,165,000	1,587
Total noninterest expense	$7,002,000	2,061
Salaries and employee benefits	$4,418,000	1,666
Premises and equipment expense	$609,000	2,903
Additional noninterest expense	$1,975,000	2,494
Pre-tax net operating income	$-5,000	6,150
Securities gains (losses)	$318,000	895
Applicable income taxes	$22,000	4,001
Income before extraordinary items	$291,000	5,094
Extraordinary gains, net	$0	21
Net income	$291,000	5,096
Minority interest net income	$0	87
Net income of bank and minority interests.	$291,000	5,096
Net charge-offs	$1,739,000	1,347
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-4,740	6,164
2011-06-30 (YTD Data)		Rank
Total interest income	$5,873,000	2,420
Total interest expense	$2,076,000	1,570
Net interest income	$3,797,000	2,863
Provision for loan and lease losses	$0	6,217
Total noninterest income	$559,000	2,919
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$48,000	5,592
Trading account gains and fees	$0	153
Additional Noninterest Income	$511,000	2,059
Total noninterest expense	$4,745,000	2,039
Salaries and employee benefits	$3,014,000	1,637
Premises and equipment expense	$425,000	2,806
Additional noninterest expense	$1,306,000	2,542
Pre-tax net operating income	$-389,000	6,722
Securities gains (losses)	$209,000	713
Applicable income taxes	$0	4,697
Income before extraordinary items	$-180,000	6,603
Extraordinary gains, net	$0	15
Net income	$-180,000	6,603
Minority interest net income	$0	89
Net income of bank and minority interests.	$-180,000	6,603
Net charge-offs	$2,205,000	857
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-389,000	6,765
2011-03-31 (YTD Data)		Rank
Total interest income	$2,962,000	2,407
Total interest expense	$1,068,000	1,591
Net interest income	$1,894,000	2,853
Provision for loan and lease losses	$0	5,840
Total noninterest income	$125,000	4,517
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$24,000	5,566
Trading account gains and fees	$0	158
Additional Noninterest Income	$101,000	3,554
Total noninterest expense	$2,305,000	2,100
Salaries and employee benefits	$1,523,000	1,633
Premises and equipment expense	$237,000	2,597
Additional noninterest expense	$545,000	2,972
Pre-tax net operating income	$-286,000	6,919
Securities gains (losses)	$50,000	760
Applicable income taxes	$0	4,545
Income before extraordinary items	$-236,000	6,931
Extraordinary gains, net	$0	9
Net income	$-236,000	6,931
Minority interest net income	$0	86
Net income of bank and minority interests.	$-236,000	6,931
Net charge-offs	$1,905,000	557
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-286,000	6,963
2010-12-31 (YTD Data)		Rank
Total interest income	$16,707,000	1,812
Total interest expense	$6,333,000	1,309
Net interest income	$10,374,000	2,108
Provision for loan and lease losses	$13,416,000	521
Total noninterest income	$2,242,000	1,920
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$310,000	3,567
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,932,000	1,432
Total noninterest expense	$12,366,000	1,611
Salaries and employee benefits	$6,596,000	1,498
Premises and equipment expense	$981,000	2,515
Additional noninterest expense	$4,789,000	1,507
Pre-tax net operating income	$-13,166,000	7,427
Securities gains (losses)	$113,000	2,057
Applicable income taxes	$-811,000	7,275
Income before extraordinary items	$-12,242,000	7,430
Extraordinary gains, net	$0	29
Net income	$-12,242,000	7,430
Minority interest net income	$0	111
Net income of bank and minority interests.	$-12,242,000	7,430
Net charge-offs	$9,107,000	652
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-12,348,220	7,420
2010-09-30 (YTD Data)		Rank
Total interest income	$13,106,000	1,772
Total interest expense	$5,033,000	1,278
Net interest income	$8,073,000	2,054
Provision for loan and lease losses	$13,366,000	395
Total noninterest income	$2,008,000	1,683
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$248,000	3,510
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,760,000	1,211
Total noninterest expense	$8,363,000	1,763
Salaries and employee benefits	$4,726,000	1,558
Premises and equipment expense	$684,000	2,712
Additional noninterest expense	$2,953,000	1,796
Pre-tax net operating income	$-11,648,000	7,588
Securities gains (losses)	$45,000	2,483
Applicable income taxes	$0	4,726
Income before extraordinary items	$-11,603,000	7,603
Extraordinary gains, net	$0	23
Net income	$-11,603,000	7,603
Minority interest net income	$0	110
Net income of bank and minority interests.	$-11,603,000	7,603
Net charge-offs	$8,454,000	519
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-11,648,000	7,601
2010-06-30 (YTD Data)		Rank
Total interest income	$8,829,000	1,768
Total interest expense	$3,498,000	1,276
Net interest income	$5,331,000	2,073
Provision for loan and lease losses	$12,016,000	304
Total noninterest income	$1,228,000	1,744
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$165,000	3,524
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,063,000	1,237
Total noninterest expense	$5,365,000	1,831
Salaries and employee benefits	$3,051,000	1,617
Premises and equipment expense	$422,000	2,922
Additional noninterest expense	$1,892,000	1,847
Pre-tax net operating income	$-10,822,000	7,696
Securities gains (losses)	$16,000	2,445
Applicable income taxes	$0	4,691
Income before extraordinary items	$-10,806,000	7,699
Extraordinary gains, net	$0	19
Net income	$-10,806,000	7,699
Minority interest net income	$0	105
Net income of bank and minority interests.	$-10,806,000	7,699
Net charge-offs	$6,331,000	480
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-10,822,000	7,699
2010-03-31 (YTD Data)		Rank
Total interest income	$4,472,000	1,793
Total interest expense	$1,828,000	1,274
Net interest income	$2,644,000	2,116
Provision for loan and lease losses	$1,440,000	921
Total noninterest income	$556,000	1,873
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$87,000	3,420
Trading account gains and fees	$0	175
Additional Noninterest Income	$469,000	1,365
Total noninterest expense	$2,679,000	1,851
Salaries and employee benefits	$1,527,000	1,639
Premises and equipment expense	$255,000	2,546
Additional noninterest expense	$897,000	1,908
Pre-tax net operating income	$-919,000	7,391
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-919,000	7,447
Extraordinary gains, net	$0	16
Net income	$-919,000	7,446
Minority interest net income	$0	91
Net income of bank and minority interests.	$-919,000	7,448
Net charge-offs	$271,000	2,130
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-919,000	7,436
2009-12-31 (YTD Data)		Rank
Total interest income	$19,447,000	1,761
Total interest expense	$9,583,000	1,244
Net interest income	$9,864,000	2,217
Provision for loan and lease losses	$6,425,000	1,193
Total noninterest income	$2,541,000	1,809
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$246,000	4,261
Trading account gains and fees	$0	211
Additional Noninterest Income	$2,295,000	1,243
Total noninterest expense	$10,516,000	1,930
Salaries and employee benefits	$5,544,000	1,789
Premises and equipment expense	$931,000	2,742
Additional noninterest expense	$4,041,000	1,839
Pre-tax net operating income	$-4,536,000	7,133
Securities gains (losses)	$432,000	973
Applicable income taxes	$-279,000	6,844
Income before extraordinary items	$-3,825,000	7,133
Extraordinary gains, net	$0	34
Net income	$-3,825,000	7,132
Minority interest net income	$0	115
Net income of bank and minority interests.	$-3,825,000	7,131
Net charge-offs	$5,881,000	1,014
Cash dividends	$850,000	1,840
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-4,226,760	7,182
2009-09-30 (YTD Data)		Rank
Total interest income	$14,779,000	1,760
Total interest expense	$7,436,000	1,266
Net interest income	$7,343,000	2,232
Provision for loan and lease losses	$1,350,000	2,350
Total noninterest income	$1,846,000	1,890
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$168,000	4,460
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,678,000	1,292
Total noninterest expense	$7,602,000	1,978
Salaries and employee benefits	$4,062,000	1,846
Premises and equipment expense	$729,000	2,674
Additional noninterest expense	$2,811,000	1,888
Pre-tax net operating income	$237,000	4,768
Securities gains (losses)	$220,000	1,225
Applicable income taxes	$30,000	3,607
Income before extraordinary items	$427,000	3,950
Extraordinary gains, net	$0	27
Net income	$427,000	3,946
Minority interest net income	$0	118
Net income of bank and minority interests.	$427,000	3,949
Net charge-offs	$740,000	2,575
Cash dividends	$850,000	1,436
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$222,400	4,682
2009-06-30 (YTD Data)		Rank
Total interest income	$9,828,000	1,795
Total interest expense	$5,140,000	1,284
Net interest income	$4,688,000	2,326
Provision for loan and lease losses	$325,000	3,583
Total noninterest income	$1,230,000	1,887
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$104,000	4,585
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,126,000	1,316
Total noninterest expense	$4,678,000	2,157
Salaries and employee benefits	$2,528,000	1,992
Premises and equipment expense	$483,000	2,723
Additional noninterest expense	$1,667,000	2,126
Pre-tax net operating income	$915,000	2,274
Securities gains (losses)	$33,000	2,127
Applicable income taxes	$64,000	2,982
Income before extraordinary items	$884,000	2,058
Extraordinary gains, net	$0	21
Net income	$884,000	2,055
Minority interest net income	$0	112
Net income of bank and minority interests.	$884,000	2,057
Net charge-offs	$-27,000	8,030
Cash dividends	$850,000	1,077
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$853,310	2,065
2009-03-31 (YTD Data)		Rank
Total interest income	$4,768,000	1,878
Total interest expense	$2,675,000	1,282
Net interest income	$2,093,000	2,594
Provision for loan and lease losses	$125,000	3,535
Total noninterest income	$497,000	2,149
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$51,000	4,565
Trading account gains and fees	$0	171
Additional Noninterest Income	$446,000	1,499
Total noninterest expense	$2,136,000	2,281
Salaries and employee benefits	$1,171,000	2,178
Premises and equipment expense	$262,000	2,583
Additional noninterest expense	$703,000	2,224
Pre-tax net operating income	$329,000	3,191
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$329,000	2,953
Extraordinary gains, net	$0	15
Net income	$329,000	2,954
Minority interest net income	$0	102
Net income of bank and minority interests.	$329,000	2,954
Net charge-offs	$-30,000	8,062
Cash dividends	$850,000	534
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$329,000	2,819
2008-12-31 (YTD Data)		Rank
Total interest income	$20,009,000	1,909
Total interest expense	$11,056,000	1,469
Net interest income	$8,953,000	2,435
Provision for loan and lease losses	$12,619,000	506
Total noninterest income	$1,127,000	3,166
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$256,000	4,310
Trading account gains and fees	$0	154
Additional Noninterest Income	$871,000	2,341
Total noninterest expense	$7,526,000	2,513
Salaries and employee benefits	$4,403,000	2,305
Premises and equipment expense	$671,000	3,611
Additional noninterest expense	$2,452,000	2,382
Pre-tax net operating income	$-10,065,000	7,987
Securities gains (losses)	$0	3,220
Applicable income taxes	$-698,000	7,605
Income before extraordinary items	$-9,367,000	7,986
Extraordinary gains, net	$0	39
Net income	$-9,367,000	7,986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,035,000	380
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-9,367,000	8,019
2008-09-30 (YTD Data)		Rank
Total interest income	$14,730,000	1,985
Total interest expense	$8,167,000	1,550
Net interest income	$6,563,000	2,511
Provision for loan and lease losses	$1,200,000	1,651
Total noninterest income	$772,000	3,418
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$197,000	4,290
Trading account gains and fees	$0	148
Additional Noninterest Income	$575,000	2,592
Total noninterest expense	$5,391,000	2,614
Salaries and employee benefits	$3,310,000	2,325
Premises and equipment expense	$481,000	3,737
Additional noninterest expense	$1,600,000	2,626
Pre-tax net operating income	$744,000	4,227
Securities gains (losses)	$0	3,106
Applicable income taxes	$49,000	4,108
Income before extraordinary items	$695,000	3,824
Extraordinary gains, net	$0	31
Net income	$695,000	3,823
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$419,000	2,165
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$695,000	3,966
2008-06-30 (YTD Data)		Rank
Total interest income	$9,468,000	2,085
Total interest expense	$5,418,000	1,615
Net interest income	$4,050,000	2,682
Provision for loan and lease losses	$810,000	1,406
Total noninterest income	$477,000	3,613
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$133,000	4,277
Trading account gains and fees	$0	149
Additional Noninterest Income	$344,000	2,812
Total noninterest expense	$3,469,000	2,696
Salaries and employee benefits	$2,151,000	2,401
Premises and equipment expense	$296,000	3,998
Additional noninterest expense	$1,022,000	2,690
Pre-tax net operating income	$248,000	5,505
Securities gains (losses)	$0	3,233
Applicable income taxes	$15,000	4,827
Income before extraordinary items	$233,000	5,386
Extraordinary gains, net	$0	21
Net income	$233,000	5,387
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$216,000	2,149
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$233,000	5,318
2008-03-31 (YTD Data)		Rank
Total interest income	$4,467,000	2,251
Total interest expense	$2,640,000	1,785
Net interest income	$1,827,000	2,940
Provision for loan and lease losses	$230,000	1,673
Total noninterest income	$208,000	3,925
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$69,000	4,175
Trading account gains and fees	$0	158
Additional Noninterest Income	$139,000	3,174
Total noninterest expense	$1,638,000	2,823
Salaries and employee benefits	$1,033,000	2,512
Premises and equipment expense	$142,000	4,150
Additional noninterest expense	$463,000	2,907
Pre-tax net operating income	$167,000	5,279
Securities gains (losses)	$0	2,688
Applicable income taxes	$11,000	4,747
Income before extraordinary items	$156,000	5,155
Extraordinary gains, net	$0	15
Net income	$156,000	5,158
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$198,000	1,273
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$156,000	5,049
2007-12-31 (YTD Data)		Rank
Total interest income	$15,350,000	2,617
Total interest expense	$7,658,000	2,417
Net interest income	$7,692,000	2,838
Provision for loan and lease losses	$1,604,000	1,000
Total noninterest income	$651,000	4,459
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$205,000	4,868
Trading account gains and fees	$0	178
Additional Noninterest Income	$446,000	3,532
Total noninterest expense	$5,045,000	3,416
Salaries and employee benefits	$3,149,000	3,095
Premises and equipment expense	$538,000	4,150
Additional noninterest expense	$1,358,000	3,711
Pre-tax net operating income	$1,694,000	3,674
Securities gains (losses)	$0	2,146
Applicable income taxes	$125,000	4,295
Income before extraordinary items	$1,569,000	3,344
Extraordinary gains, net	$0	39
Net income	$1,569,000	3,343
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$504,000	1,682
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,569,000	3,329
2007-09-30 (YTD Data)		Rank
Total interest income	$10,758,000	2,802
Total interest expense	$5,175,000	2,658
Net interest income	$5,583,000	2,932
Provision for loan and lease losses	$1,254,000	736
Total noninterest income	$462,000	4,589
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$138,000	5,088
Trading account gains and fees	$0	184
Additional Noninterest Income	$324,000	3,601
Total noninterest expense	$3,602,000	3,535
Salaries and employee benefits	$2,228,000	3,240
Premises and equipment expense	$273,000	5,289
Additional noninterest expense	$1,101,000	3,437
Pre-tax net operating income	$1,189,000	3,967
Securities gains (losses)	$0	1,655
Applicable income taxes	$90,000	4,538
Income before extraordinary items	$1,099,000	3,666
Extraordinary gains, net	$0	33
Net income	$1,099,000	3,665
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$224,000	1,820
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,099,000	3,648
2007-06-30 (YTD Data)		Rank
Total interest income	$6,420,000	3,098
Total interest expense	$2,982,000	3,029
Net interest income	$3,438,000	3,176
Provision for loan and lease losses	$979,000	596
Total noninterest income	$270,000	4,912
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$86,000	5,219
Trading account gains and fees	$0	168
Additional Noninterest Income	$184,000	3,937
Total noninterest expense	$2,250,000	3,765
Salaries and employee benefits	$1,382,000	3,454
Premises and equipment expense	$178,000	5,371
Additional noninterest expense	$690,000	3,600
Pre-tax net operating income	$479,000	5,129
Securities gains (losses)	$0	1,444
Applicable income taxes	$37,000	4,979
Income before extraordinary items	$442,000	4,843
Extraordinary gains, net	$0	29
Net income	$442,000	4,842
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$147,000	1,641
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$442,000	4,841
2007-03-31 (YTD Data)		Rank
Total interest income	$2,801,000	3,467
Total interest expense	$1,254,000	3,426
Net interest income	$1,547,000	3,457
Provision for loan and lease losses	$384,000	647
Total noninterest income	$126,000	5,013
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$39,000	5,359
Trading account gains and fees	$0	195
Additional Noninterest Income	$87,000	4,037
Total noninterest expense	$1,120,000	3,780
Salaries and employee benefits	$693,000	3,488
Premises and equipment expense	$86,000	5,493
Additional noninterest expense	$341,000	3,607
Pre-tax net operating income	$169,000	5,832
Securities gains (losses)	$0	1,187
Applicable income taxes	$13,000	5,188
Income before extraordinary items	$156,000	5,573
Extraordinary gains, net	$0	22
Net income	$156,000	5,573
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	1,469
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$156,000	5,557
2006-12-31 (YTD Data)		Rank
Total interest income	$5,099,000	5,501
Total interest expense	$2,082,000	5,289
Net interest income	$3,017,000	5,506
Provision for loan and lease losses	$538,000	1,800
Total noninterest income	$137,000	7,421
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$101,000	6,144
Trading account gains and fees	$0	130
Additional Noninterest Income	$36,000	7,566
Total noninterest expense	$1,900,000	6,300
Salaries and employee benefits	$1,078,000	6,220
Premises and equipment expense	$157,000	7,169
Additional noninterest expense	$665,000	5,786
Pre-tax net operating income	$716,000	5,882
Securities gains (losses)	$0	1,687
Applicable income taxes	$54,000	5,395
Income before extraordinary items	$662,000	5,613
Extraordinary gains, net	$0	51
Net income	$662,000	5,614
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$220,000	2,063
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$662,000	5,595
2006-09-30 (YTD Data)		Rank
Total interest income	$2,636,000	6,437
Total interest expense	$1,060,000	6,201
Net interest income	$1,576,000	6,507
Provision for loan and lease losses	$210,000	2,785
Total noninterest income	$73,000	7,848
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$67,000	6,374
Trading account gains and fees	$0	126
Additional Noninterest Income	$6,000	8,383
Total noninterest expense	$1,091,000	6,982
Salaries and employee benefits	$575,000	7,056
Premises and equipment expense	$41,000	8,359
Additional noninterest expense	$475,000	5,912
Pre-tax net operating income	$348,000	6,789
Securities gains (losses)	$0	1,388
Applicable income taxes	$25,000	5,863
Income before extraordinary items	$323,000	6,608
Extraordinary gains, net	$0	45
Net income	$323,000	6,608
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$143,000	1,879
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$323,000	6,610
2006-06-30 (YTD Data)		Rank
Total interest income	$511,000	8,377
Total interest expense	$179,000	8,230
Net interest income	$332,000	8,375
Provision for loan and lease losses	$0	6,419
Total noninterest income	$16,000	8,473
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$14,000	7,307
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,000	8,535
Total noninterest expense	$327,000	8,289
Salaries and employee benefits	$95,000	8,662
Premises and equipment expense	$5,000	8,718
Additional noninterest expense	$227,000	6,822
Pre-tax net operating income	$21,000	8,084
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$21,000	8,081
Extraordinary gains, net	$0	39
Net income	$21,000	8,082
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$128,000	1,473
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$21,000	8,078
2006-03-31 (YTD Data)		Rank
Total interest income	$1,101,000	5,840
Total interest expense	$322,000	6,236
Net interest income	$779,000	5,467
Provision for loan and lease losses	$30,000	3,822
Total noninterest income	$55,000	6,782
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$43,000	5,250
Trading account gains and fees	$0	115
Additional Noninterest Income	$12,000	7,358
Total noninterest expense	$270,000	7,635
Salaries and employee benefits	$162,000	7,488
Premises and equipment expense	$20,000	8,084
Additional noninterest expense	$88,000	7,332
Pre-tax net operating income	$534,000	3,591
Securities gains (losses)	$0	955
Applicable income taxes	$10,000	5,755
Income before extraordinary items	$524,000	3,053
Extraordinary gains, net	$0	21
Net income	$524,000	3,052
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,265
Cash dividends	$130,000	2,853
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$524,000	3,030
2005-12-31 (YTD Data)		Rank
Total interest income	$4,118,000	5,737
Total interest expense	$1,127,000	5,982
Net interest income	$2,991,000	5,518
Provision for loan and lease losses	$110,000	4,684
Total noninterest income	$242,000	6,736
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$180,000	5,265
Trading account gains and fees	$0	138
Additional Noninterest Income	$62,000	7,122
Total noninterest expense	$1,177,000	7,440
Salaries and employee benefits	$689,000	7,306
Premises and equipment expense	$100,000	7,856
Additional noninterest expense	$388,000	7,140
Pre-tax net operating income	$1,946,000	3,758
Securities gains (losses)	$0	2,296
Applicable income taxes	$137,000	5,090
Income before extraordinary items	$1,809,000	3,343
Extraordinary gains, net	$0	46
Net income	$1,809,000	3,345
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,746
Cash dividends	$960,000	2,551
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,809,000	3,310
2005-09-30 (YTD Data)		Rank
Total interest income	$3,000,000	5,796
Total interest expense	$817,000	5,962
Net interest income	$2,183,000	5,611
Provision for loan and lease losses	$100,000	4,154
Total noninterest income	$187,000	6,709
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$136,000	5,282
Trading account gains and fees	$0	126
Additional Noninterest Income	$51,000	7,043
Total noninterest expense	$843,000	7,520
Salaries and employee benefits	$490,000	7,409
Premises and equipment expense	$64,000	8,040
Additional noninterest expense	$289,000	7,175
Pre-tax net operating income	$1,427,000	3,893
Securities gains (losses)	$0	2,317
Applicable income taxes	$75,000	5,494
Income before extraordinary items	$1,352,000	3,394
Extraordinary gains, net	$0	35
Net income	$1,352,000	3,396
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,912
Cash dividends	$560,000	2,618
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,352,000	3,351
2005-06-30 (YTD Data)		Rank
Total interest income	$1,896,000	5,893
Total interest expense	$508,000	6,007
Net interest income	$1,388,000	5,749
Provision for loan and lease losses	$70,000	3,946
Total noninterest income	$128,000	6,636
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$86,000	5,345
Trading account gains and fees	$0	116
Additional Noninterest Income	$42,000	6,689
Total noninterest expense	$543,000	7,594
Salaries and employee benefits	$323,000	7,439
Premises and equipment expense	$17,000	8,642
Additional noninterest expense	$203,000	7,059
Pre-tax net operating income	$903,000	3,981
Securities gains (losses)	$0	2,146
Applicable income taxes	$50,000	5,519
Income before extraordinary items	$853,000	3,482
Extraordinary gains, net	$0	30
Net income	$853,000	3,484
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	8,020
Cash dividends	$373,000	2,623
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$853,000	3,435
2005-03-31 (YTD Data)		Rank
Total interest income	$902,000	6,040
Total interest expense	$244,000	6,037
Net interest income	$658,000	5,929
Provision for loan and lease losses	$40,000	3,596
Total noninterest income	$57,000	6,849
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$43,000	5,318
Trading account gains and fees	$0	115
Additional Noninterest Income	$14,000	7,363
Total noninterest expense	$278,000	7,606
Salaries and employee benefits	$160,000	7,505
Premises and equipment expense	$8,000	8,706
Additional noninterest expense	$110,000	6,903
Pre-tax net operating income	$397,000	4,303
Securities gains (losses)	$0	1,685
Applicable income taxes	$25,000	5,466
Income before extraordinary items	$372,000	3,804
Extraordinary gains, net	$0	24
Net income	$372,000	3,806
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-36,000	8,547
Cash dividends	$187,000	2,313
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$372,000	3,762
2004-12-31 (YTD Data)		Rank
Total interest income	$3,617,000	5,873
Total interest expense	$943,000	5,825
Net interest income	$2,674,000	5,785
Provision for loan and lease losses	$330,000	2,726
Total noninterest income	$230,000	6,919
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$163,000	5,629
Trading account gains and fees	$0	138
Additional Noninterest Income	$67,000	7,035
Total noninterest expense	$1,141,000	7,545
Salaries and employee benefits	$685,000	7,337
Premises and equipment expense	$33,000	8,781
Additional noninterest expense	$423,000	7,002
Pre-tax net operating income	$1,433,000	4,361
Securities gains (losses)	$0	3,819
Applicable income taxes	$111,000	5,408
Income before extraordinary items	$1,322,000	3,944
Extraordinary gains, net	$0	34
Net income	$1,322,000	3,946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$384,000	1,646
Cash dividends	$760,000	2,803
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,322,000	3,882
2004-09-30 (YTD Data)		Rank
Total interest income	$2,684,000	5,896
Total interest expense	$701,000	5,821
Net interest income	$1,983,000	5,821
Provision for loan and lease losses	$285,000	2,349
Total noninterest income	$180,000	6,883
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$126,000	5,623
Trading account gains and fees	$0	134
Additional Noninterest Income	$54,000	6,952
Total noninterest expense	$814,000	7,620
Salaries and employee benefits	$485,000	7,423
Premises and equipment expense	$21,000	8,858
Additional noninterest expense	$308,000	7,021
Pre-tax net operating income	$1,064,000	4,461
Securities gains (losses)	$0	3,710
Applicable income taxes	$95,000	5,402
Income before extraordinary items	$969,000	4,086
Extraordinary gains, net	$0	26
Net income	$969,000	4,086
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$374,000	1,231
Cash dividends	$560,000	2,518
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$969,000	4,021
2004-06-30 (YTD Data)		Rank
Total interest income	$1,747,000	5,971
Total interest expense	$459,000	5,894
Net interest income	$1,288,000	5,903
Provision for loan and lease losses	$240,000	1,886
Total noninterest income	$125,000	6,821
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$83,000	5,648
Trading account gains and fees	$0	130
Additional Noninterest Income	$42,000	6,726
Total noninterest expense	$519,000	7,751
Salaries and employee benefits	$318,000	7,522
Premises and equipment expense	$14,000	8,907
Additional noninterest expense	$187,000	7,286
Pre-tax net operating income	$654,000	4,616
Securities gains (losses)	$0	3,413
Applicable income taxes	$60,000	5,433
Income before extraordinary items	$594,000	4,275
Extraordinary gains, net	$0	21
Net income	$594,000	4,276
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$370,000	893
Cash dividends	$373,000	2,577
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$594,000	4,192
2004-03-31 (YTD Data)		Rank
Total interest income	$873,000	6,011
Total interest expense	$230,000	5,935
Net interest income	$643,000	5,910
Provision for loan and lease losses	$45,000	3,437
Total noninterest income	$56,000	7,006
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$41,000	5,626
Trading account gains and fees	$0	121
Additional Noninterest Income	$15,000	7,252
Total noninterest expense	$251,000	7,879
Salaries and employee benefits	$156,000	7,599
Premises and equipment expense	$21,000	8,211
Additional noninterest expense	$74,000	7,797
Pre-tax net operating income	$403,000	4,064
Securities gains (losses)	$0	2,934
Applicable income taxes	$30,000	5,394
Income before extraordinary items	$373,000	3,701
Extraordinary gains, net	$0	16
Net income	$373,000	3,700
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,405
Cash dividends	$187,000	2,278
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$373,000	3,574
2003-12-31 (YTD Data)		Rank
Total interest income	$3,741,000	5,863
Total interest expense	$1,046,000	5,984
Net interest income	$2,695,000	5,646
Provision for loan and lease losses	$180,000	4,206
Total noninterest income	$249,000	6,957
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$157,000	5,772
Trading account gains and fees	$0	160
Additional Noninterest Income	$92,000	6,661
Total noninterest expense	$1,133,000	7,611
Salaries and employee benefits	$673,000	7,406
Premises and equipment expense	$30,000	9,008
Additional noninterest expense	$430,000	6,962
Pre-tax net operating income	$1,631,000	3,903
Securities gains (losses)	$0	4,500
Applicable income taxes	$110,000	5,619
Income before extraordinary items	$1,521,000	3,526
Extraordinary gains, net	$0	54
Net income	$1,521,000	3,526
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	5,740
Cash dividends	$1,020,000	2,269
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,521,000	3,366
2003-09-30 (YTD Data)		Rank
Total interest income	$2,825,000	5,902
Total interest expense	$813,000	6,022
Net interest income	$2,012,000	5,695
Provision for loan and lease losses	$135,000	4,077
Total noninterest income	$186,000	7,020
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$113,000	5,895
Trading account gains and fees	$0	153
Additional Noninterest Income	$73,000	6,631
Total noninterest expense	$790,000	7,764
Salaries and employee benefits	$465,000	7,578
Premises and equipment expense	$19,000	9,082
Additional noninterest expense	$306,000	7,086
Pre-tax net operating income	$1,273,000	3,911
Securities gains (losses)	$0	4,204
Applicable income taxes	$75,000	5,865
Income before extraordinary items	$1,198,000	3,507
Extraordinary gains, net	$0	40
Net income	$1,198,000	3,506
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,781
Cash dividends	$562,000	2,504
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,198,000	3,340
2003-06-30 (YTD Data)		Rank
Total interest income	$1,866,000	5,954
Total interest expense	$561,000	6,038
Net interest income	$1,305,000	5,785
Provision for loan and lease losses	$90,000	4,018
Total noninterest income	$121,000	7,043
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$78,000	5,817
Trading account gains and fees	$0	150
Additional Noninterest Income	$43,000	6,830
Total noninterest expense	$496,000	7,907
Salaries and employee benefits	$305,000	7,649
Premises and equipment expense	$38,000	8,441
Additional noninterest expense	$153,000	7,719
Pre-tax net operating income	$840,000	3,928
Securities gains (losses)	$0	3,782
Applicable income taxes	$50,000	5,908
Income before extraordinary items	$790,000	3,545
Extraordinary gains, net	$0	30
Net income	$790,000	3,545
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,782
Cash dividends	$373,000	2,570
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$790,000	3,347
2003-03-31 (YTD Data)		Rank
Total interest income	$934,000	5,981
Total interest expense	$292,000	6,017
Net interest income	$642,000	5,836
Provision for loan and lease losses	$45,000	3,818
Total noninterest income	$53,000	7,265
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$38,000	5,790
Trading account gains and fees	$0	134
Additional Noninterest Income	$15,000	7,351
Total noninterest expense	$250,000	7,932
Salaries and employee benefits	$150,000	7,715
Premises and equipment expense	$19,000	8,461
Additional noninterest expense	$81,000	7,638
Pre-tax net operating income	$400,000	4,032
Securities gains (losses)	$0	2,891
Applicable income taxes	$25,000	5,890
Income before extraordinary items	$375,000	3,637
Extraordinary gains, net	$0	21
Net income	$375,000	3,635
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$187,000	2,315
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$375,000	3,459
2002-12-31 (YTD Data)		Rank
Total interest income	$4,123,000	5,807
Total interest expense	$1,539,000	5,645
Net interest income	$2,584,000	5,797
Provision for loan and lease losses	$120,000	5,330
Total noninterest income	$233,000	7,005
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$133,000	6,070
Trading account gains and fees	$0	153
Additional Noninterest Income	$100,000	6,442
Total noninterest expense	$1,114,000	7,687
Salaries and employee benefits	$657,000	7,468
Premises and equipment expense	$33,000	9,136
Additional noninterest expense	$424,000	6,987
Pre-tax net operating income	$1,583,000	3,963
Securities gains (losses)	$0	4,537
Applicable income taxes	$107,000	5,901
Income before extraordinary items	$1,476,000	3,546
Extraordinary gains, net	$0	70
Net income	$1,476,000	3,545
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	4,660
Cash dividends	$760,000	2,741
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,476,000	3,438
2001-12-31 (YTD Data)		Rank
Total interest income	$4,739,000	5,802
Total interest expense	$2,205,000	5,806
Net interest income	$2,534,000	5,676
Provision for loan and lease losses	$120,000	5,188
Total noninterest income	$226,000	7,055
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$124,000	6,186
Trading account gains and fees	$0	177
Additional Noninterest Income	$102,000	6,397
Total noninterest expense	$960,000	8,069
Salaries and employee benefits	$577,000	7,774
Premises and equipment expense	$23,000	9,469
Additional noninterest expense	$360,000	7,434
Pre-tax net operating income	$1,680,000	3,585
Securities gains (losses)	$0	4,612
Applicable income taxes	$408,000	3,694
Income before extraordinary items	$1,272,000	3,647
Extraordinary gains, net	$0	105
Net income	$1,272,000	3,649
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	4,356
Cash dividends	$405,000	3,813
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,272,000	3,551
2000-12-31 (YTD Data)		Rank
Total interest income	$4,599,000	6,023
Total interest expense	$2,120,000	6,106
Net interest income	$2,479,000	5,839
Provision for loan and lease losses	$120,000	4,828
Total noninterest income	$167,000	7,661
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	6,358
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	7,624
Total noninterest expense	$957,000	8,131
Salaries and employee benefits	$578,000	7,814
Premises and equipment expense	$78,000	8,823
Additional noninterest expense	$301,000	7,941
Pre-tax net operating income	$1,569,000	3,947
Securities gains (losses)	$0	1,956
Applicable income taxes	$577,000	3,189
Income before extraordinary items	$992,000	4,408
Extraordinary gains, net	$0	38
Net income	$992,000	4,410
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,468
Cash dividends	$725,000	2,850
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$992,000	4,407
1999-12-31 (YTD Data)		Rank
Total interest income	$4,192,000	6,199
Total interest expense	$1,883,000	6,206
Net interest income	$2,309,000	6,089
Provision for loan and lease losses	$200,000	3,546
Total noninterest income	$199,000	7,509
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$102,000	6,671
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	6,712
Total noninterest expense	$959,000	8,238
Salaries and employee benefits	$561,000	7,967
Premises and equipment expense	$65,000	9,335
Additional noninterest expense	$333,000	7,849
Pre-tax net operating income	$1,349,000	4,409
Securities gains (losses)	$0	3,155
Applicable income taxes	$491,000	3,679
Income before extraordinary items	$858,000	4,875
Extraordinary gains, net	$0	35
Net income	$858,000	4,875
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$365,000	1,563
Cash dividends	$200,000	5,191
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$858,000	4,834
1998-12-31 (YTD Data)		Rank
Total interest income	$4,408,000	6,132
Total interest expense	$2,018,000	6,166
Net interest income	$2,390,000	6,004
Provision for loan and lease losses	$280,000	2,772
Total noninterest income	$192,000	7,682
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$105,000	6,766
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	6,959
Total noninterest expense	$957,000	8,257
Salaries and employee benefits	$552,000	8,039
Premises and equipment expense	$53,000	9,747
Additional noninterest expense	$352,000	7,647
Pre-tax net operating income	$1,345,000	4,510
Securities gains (losses)	$0	4,449
Applicable income taxes	$491,000	3,883
Income before extraordinary items	$854,000	4,984
Extraordinary gains, net	$0	32
Net income	$854,000	4,984
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$179,000	2,628
Cash dividends	$225,000	5,139
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$854,000	4,902
1997-12-31 (YTD Data)		Rank
Total interest income	$4,251,000	6,429
Total interest expense	$1,929,000	6,402
Net interest income	$2,322,000	6,330
Provision for loan and lease losses	$250,000	2,930
Total noninterest income	$210,000	7,712
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$131,000	6,543
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	7,409
Total noninterest expense	$987,000	8,395
Salaries and employee benefits	$587,000	8,003
Premises and equipment expense	$66,000	9,815
Additional noninterest expense	$334,000	7,966
Pre-tax net operating income	$1,295,000	4,978
Securities gains (losses)	$0	3,944
Applicable income taxes	$473,000	4,381
Income before extraordinary items	$822,000	5,369
Extraordinary gains, net	$0	44
Net income	$822,000	5,373
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	3,667
Cash dividends	$225,000	5,132
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$822,000	5,319
1996-12-31 (YTD Data)		Rank
Total interest income	$4,113,000	6,754
Total interest expense	$1,832,000	6,771
Net interest income	$2,281,000	6,591
Provision for loan and lease losses	$245,000	2,976
Total noninterest income	$199,000	8,236
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$129,000	6,881
Trading account gains and fees	NA	NA
Additional Noninterest Income	$70,000	8,080
Total noninterest expense	$962,000	8,815
Salaries and employee benefits	$575,000	8,290
Premises and equipment expense	$66,000	10,194
Additional noninterest expense	$321,000	8,661
Pre-tax net operating income	$1,273,000	4,910
Securities gains (losses)	$0	4,148
Applicable income taxes	$419,000	4,747
Income before extraordinary items	$854,000	5,062
Extraordinary gains, net	$0	53
Net income	$854,000	5,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$110,000	3,737
Cash dividends	$225,000	5,172
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$854,000	5,006
1995-12-31 (YTD Data)		Rank
Total interest income	$3,653,000	7,366
Total interest expense	$1,627,000	7,340
Net interest income	$2,026,000	7,243
Provision for loan and lease losses	$75,000	5,235
Total noninterest income	$165,000	9,050
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$128,000	7,139
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	9,867
Total noninterest expense	$906,000	9,340
Salaries and employee benefits	$476,000	9,318
Premises and equipment expense	$69,000	10,506
Additional noninterest expense	$361,000	8,587
Pre-tax net operating income	$1,210,000	5,217
Securities gains (losses)	$0	3,831
Applicable income taxes	$434,000	4,658
Income before extraordinary items	$776,000	5,562
Extraordinary gains, net	$0	65
Net income	$776,000	5,561
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-23,000	11,095
Cash dividends	$200,000	5,441
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$776,000	5,547
1994-12-31 (YTD Data)		Rank
Total interest income	$2,967,000	8,107
Total interest expense	$1,297,000	7,562
Net interest income	$1,670,000	8,384
Provision for loan and lease losses	$20,000	7,754
Total noninterest income	$155,000	9,612
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$125,000	7,476
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	10,793
Total noninterest expense	$928,000	9,639
Salaries and employee benefits	$460,000	9,752
Premises and equipment expense	$86,000	10,464
Additional noninterest expense	$382,000	9,016
Pre-tax net operating income	$877,000	6,505
Securities gains (losses)	$0	3,600
Applicable income taxes	$336,000	5,437
Income before extraordinary items	$541,000	6,994
Extraordinary gains, net	$0	249
Net income	$541,000	7,006
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,783
Cash dividends	$50,000	7,903
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$541,000	7,041
1993-12-31 (YTD Data)		Rank
Total interest income	$2,210,000	9,768
Total interest expense	$910,000	9,504
Net interest income	$1,300,000	9,729
Provision for loan and lease losses	$50,000	7,415
Total noninterest income	$116,000	10,933
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	8,693
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	11,580
Total noninterest expense	$643,000	11,416
Salaries and employee benefits	$358,000	11,061
Premises and equipment expense	$38,000	12,610
Additional noninterest expense	$247,000	11,121
Pre-tax net operating income	$723,000	7,237
Securities gains (losses)	$1,000	7,052
Applicable income taxes	$267,000	6,535
Income before extraordinary items	$457,000	7,913
Extraordinary gains, net	$-21,000	12,471
Net income	$436,000	8,253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	11,729
Cash dividends	$230,000	5,099
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$456,360	7,664
1992-12-31 (YTD Data)		Rank
Total interest income	$2,140,000	10,610
Total interest expense	$1,040,000	10,225
Net interest income	$1,100,000	10,701
Provision for loan and lease losses	$15,000	10,851
Total noninterest income	$142,000	10,654
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$71,000	9,522
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	9,237
Total noninterest expense	$594,000	12,095
Salaries and employee benefits	$312,000	11,880
Premises and equipment expense	$47,000	12,796
Additional noninterest expense	$235,000	11,746
Pre-tax net operating income	$633,000	7,497
Securities gains (losses)	$16,000	5,884
Applicable income taxes	$240,000	6,828
Income before extraordinary items	$409,000	8,124
Extraordinary gains, net	$0	1,422
Net income	$409,000	8,251
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	8,614
Cash dividends	$840,000	1,819
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$398,760	7,878

* 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.