Home > Essex Bank > Income and Expense

Essex Bank, Income and Expense

2021-09-30 (YTD Data)		Rank
Total interest income	$48,205,000	542
Total interest expense	$4,734,000	462
Net interest income	$43,471,000	556
Provision for loan and lease losses	$-2,650,000	4,712
Total noninterest income	$5,612,000	1,035
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$964,000	791
Trading account gains and fees	$0	132
Additional Noninterest Income	$4,648,000	944
Total noninterest expense	$27,590,000	706
Salaries and employee benefits	$15,716,000	708
Premises and equipment expense	$3,267,000	624
Additional noninterest expense	$8,607,000	686
Pre-tax net operating income	$24,143,000	536
Securities gains (losses)	$-19,000	4,623
Applicable income taxes	$4,927,000	536
Income before extraordinary items	$19,197,000	544
Extraordinary gains, net	$0	8
Net income	$19,197,000	543
Minority interest net income	$0	69
Net income of bank and minority interests.	$19,197,000	544
Net charge-offs	$-239,000	4,693
Cash dividends	$3,500,000	761
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$19,212,200	541
2021-06-30 (YTD Data)		Rank
Total interest income	$31,923,000	540
Total interest expense	$3,282,000	462
Net interest income	$28,641,000	555
Provision for loan and lease losses	$-1,400,000	4,707
Total noninterest income	$3,981,000	1,004
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$623,000	782
Trading account gains and fees	$0	133
Additional Noninterest Income	$3,358,000	894
Total noninterest expense	$18,415,000	701
Salaries and employee benefits	$10,392,000	707
Premises and equipment expense	$2,203,000	609
Additional noninterest expense	$5,820,000	666
Pre-tax net operating income	$15,607,000	543
Securities gains (losses)	$-12,000	4,663
Applicable income taxes	$3,123,000	559
Income before extraordinary items	$12,472,000	556
Extraordinary gains, net	$0	6
Net income	$12,472,000	556
Minority interest net income	$0	67
Net income of bank and minority interests.	$12,472,000	556
Net charge-offs	$-66,000	4,443
Cash dividends	$1,900,000	902
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$12,481,600	543
2021-03-31 (YTD Data)		Rank
Total interest income	$15,860,000	539
Total interest expense	$1,748,000	466
Net interest income	$14,112,000	554
Provision for loan and lease losses	$-1,400,000	4,813
Total noninterest income	$1,823,000	1,060
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$318,000	750
Trading account gains and fees	$0	127
Additional Noninterest Income	$1,505,000	973
Total noninterest expense	$8,813,000	729
Salaries and employee benefits	$5,125,000	710
Premises and equipment expense	$1,125,000	606
Additional noninterest expense	$2,563,000	738
Pre-tax net operating income	$8,522,000	508
Securities gains (losses)	$16,000	931
Applicable income taxes	$1,746,000	505
Income before extraordinary items	$6,792,000	520
Extraordinary gains, net	$0	3
Net income	$6,792,000	520
Minority interest net income	$0	55
Net income of bank and minority interests.	$6,792,000	520
Net charge-offs	$112,000	587
Cash dividends	$500,000	1,175
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$6,779,200	511
2020-12-31 (YTD Data)		Rank
Total interest income	$63,616,000	538
Total interest expense	$12,140,000	422
Net interest income	$51,476,000	565
Provision for loan and lease losses	$4,200,000	650
Total noninterest income	$6,341,000	1,089
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$1,411,000	711
Trading account gains and fees	$0	133
Additional Noninterest Income	$4,930,000	1,032
Total noninterest expense	$33,877,000	736
Salaries and employee benefits	$19,808,000	725
Premises and equipment expense	$4,545,000	572
Additional noninterest expense	$9,524,000	769
Pre-tax net operating income	$19,740,000	598
Securities gains (losses)	$284,000	855
Applicable income taxes	$3,918,000	591
Income before extraordinary items	$16,106,000	626
Extraordinary gains, net	$0	4
Net income	$16,106,000	625
Minority interest net income	$0	72
Net income of bank and minority interests.	$16,106,000	626
Net charge-offs	$289,000	1,313
Cash dividends	$6,437,000	622
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$15,878,800	609
2020-09-30 (YTD Data)		Rank
Total interest income	$47,246,000	545
Total interest expense	$9,801,000	433
Net interest income	$37,445,000	574
Provision for loan and lease losses	$4,200,000	566
Total noninterest income	$4,667,000	1,066
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,042,000	715
Trading account gains and fees	$0	125
Additional Noninterest Income	$3,625,000	1,005
Total noninterest expense	$25,134,000	738
Salaries and employee benefits	$14,558,000	724
Premises and equipment expense	$3,467,000	560
Additional noninterest expense	$7,109,000	755
Pre-tax net operating income	$12,778,000	646
Securities gains (losses)	$281,000	742
Applicable income taxes	$2,552,000	613
Income before extraordinary items	$10,507,000	678
Extraordinary gains, net	$0	4
Net income	$10,507,000	678
Minority interest net income	$0	65
Net income of bank and minority interests.	$10,507,000	678
Net charge-offs	$301,000	1,014
Cash dividends	$3,437,000	750
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$10,282,200	663
2020-06-30 (YTD Data)		Rank
Total interest income	$31,697,000	549
Total interest expense	$7,002,000	441
Net interest income	$24,695,000	576
Provision for loan and lease losses	$4,200,000	444
Total noninterest income	$3,138,000	1,003
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$727,000	688
Trading account gains and fees	$0	123
Additional Noninterest Income	$2,411,000	944
Total noninterest expense	$16,593,000	734
Salaries and employee benefits	$9,600,000	729
Premises and equipment expense	$2,321,000	557
Additional noninterest expense	$4,672,000	764
Pre-tax net operating income	$7,040,000	693
Securities gains (losses)	$203,000	697
Applicable income taxes	$1,379,000	638
Income before extraordinary items	$5,864,000	737
Extraordinary gains, net	$0	4
Net income	$5,864,000	738
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,864,000	737
Net charge-offs	$391,000	691
Cash dividends	$2,321,000	720
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$5,699,570	721
2020-03-31 (YTD Data)		Rank
Total interest income	$15,945,000	545
Total interest expense	$3,657,000	469
Net interest income	$12,288,000	571
Provision for loan and lease losses	$3,300,000	305
Total noninterest income	$1,573,000	960
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$454,000	660
Trading account gains and fees	$0	106
Additional Noninterest Income	$1,119,000	886
Total noninterest expense	$8,653,000	705
Salaries and employee benefits	$5,069,000	685
Premises and equipment expense	$1,200,000	549
Additional noninterest expense	$2,384,000	755
Pre-tax net operating income	$1,908,000	1,091
Securities gains (losses)	$-39,000	4,933
Applicable income taxes	$302,000	1,068
Income before extraordinary items	$1,567,000	1,152
Extraordinary gains, net	$0	4
Net income	$1,567,000	1,151
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,567,000	1,152
Net charge-offs	$-90,000	4,957
Cash dividends	$1,121,000	751
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,599,760	1,105
2019-12-31 (YTD Data)		Rank
Total interest income	$65,448,000	539
Total interest expense	$15,264,000	472
Net interest income	$50,184,000	560
Provision for loan and lease losses	$325,000	1,875
Total noninterest income	$5,832,000	1,016
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,833,000	680
Trading account gains and fees	$0	135
Additional Noninterest Income	$3,999,000	966
Total noninterest expense	$35,982,000	655
Salaries and employee benefits	$21,135,000	623
Premises and equipment expense	$4,937,000	532
Additional noninterest expense	$9,910,000	709
Pre-tax net operating income	$19,709,000	620
Securities gains (losses)	$235,000	586
Applicable income taxes	$3,692,000	617
Income before extraordinary items	$16,252,000	625
Extraordinary gains, net	$0	11
Net income	$16,252,000	626
Minority interest net income	$0	76
Net income of bank and minority interests.	$16,252,000	626
Net charge-offs	$879,000	709
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$16,061,650	622
2019-09-30 (YTD Data)		Rank
Total interest income	$49,171,000	543
Total interest expense	$11,453,000	482
Net interest income	$37,718,000	557
Provision for loan and lease losses	$125,000	2,430
Total noninterest income	$4,254,000	1,021
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$1,341,000	696
Trading account gains and fees	$0	129
Additional Noninterest Income	$2,913,000	985
Total noninterest expense	$27,271,000	644
Salaries and employee benefits	$15,726,000	628
Premises and equipment expense	$3,814,000	522
Additional noninterest expense	$7,731,000	681
Pre-tax net operating income	$14,576,000	632
Securities gains (losses)	$274,000	450
Applicable income taxes	$2,779,000	625
Income before extraordinary items	$12,071,000	637
Extraordinary gains, net	$0	11
Net income	$12,071,000	639
Minority interest net income	$0	72
Net income of bank and minority interests.	$12,071,000	638
Net charge-offs	$715,000	608
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$11,849,060	634
2019-06-30 (YTD Data)		Rank
Total interest income	$31,714,000	558
Total interest expense	$7,468,000	483
Net interest income	$24,246,000	587
Provision for loan and lease losses	$125,000	1,988
Total noninterest income	$2,525,000	1,087
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$855,000	717
Trading account gains and fees	$0	131
Additional Noninterest Income	$1,670,000	1,067
Total noninterest expense	$17,891,000	658
Salaries and employee benefits	$10,509,000	627
Premises and equipment expense	$2,623,000	508
Additional noninterest expense	$4,759,000	744
Pre-tax net operating income	$8,755,000	662
Securities gains (losses)	$224,000	355
Applicable income taxes	$1,655,000	648
Income before extraordinary items	$7,324,000	674
Extraordinary gains, net	$0	11
Net income	$7,324,000	674
Minority interest net income	$0	69
Net income of bank and minority interests.	$7,324,000	674
Net charge-offs	$289,000	806
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$7,140,320	675
2019-03-31 (YTD Data)		Rank
Total interest income	$15,806,000	553
Total interest expense	$3,621,000	487
Net interest income	$12,185,000	578
Provision for loan and lease losses	$0	3,406
Total noninterest income	$1,235,000	1,072
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$409,000	732
Trading account gains and fees	$0	126
Additional Noninterest Income	$826,000	1,025
Total noninterest expense	$8,932,000	652
Salaries and employee benefits	$5,309,000	617
Premises and equipment expense	$1,311,000	509
Additional noninterest expense	$2,312,000	749
Pre-tax net operating income	$4,488,000	636
Securities gains (losses)	$-14,000	5,136
Applicable income taxes	$830,000	629
Income before extraordinary items	$3,644,000	662
Extraordinary gains, net	$0	5
Net income	$3,644,000	662
Minority interest net income	$0	52
Net income of bank and minority interests.	$3,644,000	661
Net charge-offs	$322,000	452
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$3,655,340	650
2018-12-31 (YTD Data)		Rank
Total interest income	$59,241,000	543
Total interest expense	$11,838,000	459
Net interest income	$47,403,000	577
Provision for loan and lease losses	$0	4,082
Total noninterest income	$4,977,000	1,094
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,646,000	761
Trading account gains and fees	$0	126
Additional Noninterest Income	$3,331,000	1,058
Total noninterest expense	$35,109,000	651
Salaries and employee benefits	$21,260,000	590
Premises and equipment expense	$4,587,000	548
Additional noninterest expense	$9,262,000	749
Pre-tax net operating income	$17,271,000	665
Securities gains (losses)	$70,000	374
Applicable income taxes	$3,197,000	643
Income before extraordinary items	$14,144,000	677
Extraordinary gains, net	$0	6
Net income	$14,144,000	675
Minority interest net income	$0	72
Net income of bank and minority interests.	$14,144,000	676
Net charge-offs	$30,000	2,911
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$14,086,600	681
2018-09-30 (YTD Data)		Rank
Total interest income	$43,735,000	542
Total interest expense	$8,479,000	449
Net interest income	$35,256,000	573
Provision for loan and lease losses	$0	3,948
Total noninterest income	$3,676,000	1,107
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,192,000	775
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,484,000	1,069
Total noninterest expense	$25,959,000	651
Salaries and employee benefits	$15,735,000	598
Premises and equipment expense	$3,385,000	563
Additional noninterest expense	$6,839,000	748
Pre-tax net operating income	$12,973,000	667
Securities gains (losses)	$82,000	331
Applicable income taxes	$2,382,000	650
Income before extraordinary items	$10,673,000	673
Extraordinary gains, net	$0	5
Net income	$10,673,000	672
Minority interest net income	$0	66
Net income of bank and minority interests.	$10,673,000	672
Net charge-offs	$39,000	2,359
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$10,605,760	676
2018-06-30 (YTD Data)		Rank
Total interest income	$28,588,000	543
Total interest expense	$5,371,000	438
Net interest income	$23,217,000	578
Provision for loan and lease losses	$0	3,782
Total noninterest income	$2,411,000	1,127
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$781,000	785
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,630,000	1,090
Total noninterest expense	$17,633,000	647
Salaries and employee benefits	$10,760,000	582
Premises and equipment expense	$2,239,000	571
Additional noninterest expense	$4,634,000	734
Pre-tax net operating income	$7,995,000	704
Securities gains (losses)	$14,000	539
Applicable income taxes	$1,409,000	687
Income before extraordinary items	$6,600,000	720
Extraordinary gains, net	$0	6
Net income	$6,600,000	719
Minority interest net income	$0	65
Net income of bank and minority interests.	$6,600,000	719
Net charge-offs	$-120,000	5,246
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$6,588,520	719
2018-03-31 (YTD Data)		Rank
Total interest income	$14,078,000	548
Total interest expense	$2,562,000	431
Net interest income	$11,516,000	576
Provision for loan and lease losses	$0	3,508
Total noninterest income	$1,179,000	1,140
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$391,000	790
Trading account gains and fees	$0	123
Additional Noninterest Income	$788,000	1,099
Total noninterest expense	$9,453,000	592
Salaries and employee benefits	$5,843,000	539
Premises and equipment expense	$1,126,000	563
Additional noninterest expense	$2,484,000	676
Pre-tax net operating income	$3,242,000	806
Securities gains (losses)	$30,000	282
Applicable income taxes	$568,000	786
Income before extraordinary items	$2,704,000	818
Extraordinary gains, net	$0	7
Net income	$2,704,000	818
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,704,000	818
Net charge-offs	$1,000	2,559
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$2,679,100	818
2017-12-31 (YTD Data)		Rank
Total interest income	$53,316,000	540
Total interest expense	$9,010,000	405
Net interest income	$44,306,000	567
Provision for loan and lease losses	$550,000	1,358
Total noninterest income	$4,531,000	1,187
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$2,681,000	485
Trading account gains and fees	$0	151
Additional Noninterest Income	$1,850,000	1,599
Total noninterest expense	$33,869,000	649
Salaries and employee benefits	$19,402,000	625
Premises and equipment expense	$4,274,000	572
Additional noninterest expense	$10,193,000	668
Pre-tax net operating income	$14,418,000	715
Securities gains (losses)	$210,000	386
Applicable income taxes	$7,087,000	529
Income before extraordinary items	$7,541,000	953
Extraordinary gains, net	$0	9
Net income	$7,541,000	953
Minority interest net income	$0	76
Net income of bank and minority interests.	$7,541,000	953
Net charge-offs	$1,074,000	658
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$7,406,600	957
2017-09-30 (YTD Data)		Rank
Total interest income	$39,557,000	548
Total interest expense	$6,547,000	404
Net interest income	$33,010,000	569
Provision for loan and lease losses	$150,000	2,287
Total noninterest income	$3,369,000	1,223
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$2,011,000	487
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,358,000	1,644
Total noninterest expense	$25,483,000	653
Salaries and employee benefits	$14,414,000	630
Premises and equipment expense	$3,178,000	590
Additional noninterest expense	$7,891,000	646
Pre-tax net operating income	$10,746,000	716
Securities gains (losses)	$180,000	394
Applicable income taxes	$2,830,000	719
Income before extraordinary items	$8,096,000	756
Extraordinary gains, net	$0	9
Net income	$8,096,000	754
Minority interest net income	$0	71
Net income of bank and minority interests.	$8,096,000	756
Net charge-offs	$976,000	505
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$7,962,800	757
2017-06-30 (YTD Data)		Rank
Total interest income	$26,166,000	549
Total interest expense	$4,228,000	403
Net interest income	$21,938,000	571
Provision for loan and lease losses	$0	3,871
Total noninterest income	$2,247,000	1,220
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$1,333,000	485
Trading account gains and fees	$0	139
Additional Noninterest Income	$914,000	1,630
Total noninterest expense	$16,859,000	653
Salaries and employee benefits	$9,466,000	651
Premises and equipment expense	$2,016,000	620
Additional noninterest expense	$5,377,000	636
Pre-tax net operating income	$7,326,000	696
Securities gains (losses)	$132,000	358
Applicable income taxes	$1,868,000	699
Income before extraordinary items	$5,590,000	719
Extraordinary gains, net	$0	11
Net income	$5,590,000	719
Minority interest net income	$0	71
Net income of bank and minority interests.	$5,590,000	719
Net charge-offs	$4,000	3,177
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$5,491,000	713
2017-03-31 (YTD Data)		Rank
Total interest income	$12,949,000	551
Total interest expense	$2,027,000	407
Net interest income	$10,922,000	569
Provision for loan and lease losses	$0	3,537
Total noninterest income	$1,094,000	1,239
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$643,000	506
Trading account gains and fees	$0	142
Additional Noninterest Income	$451,000	1,636
Total noninterest expense	$8,404,000	663
Salaries and employee benefits	$4,631,000	674
Premises and equipment expense	$1,016,000	617
Additional noninterest expense	$2,757,000	621
Pre-tax net operating income	$3,612,000	690
Securities gains (losses)	$95,000	243
Applicable income taxes	$1,120,000	606
Income before extraordinary items	$2,587,000	751
Extraordinary gains, net	$0	8
Net income	$2,587,000	751
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,587,000	751
Net charge-offs	$-20,000	5,253
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$2,520,500	752
2016-12-31 (YTD Data)		Rank
Total interest income	$49,295,000	548
Total interest expense	$7,455,000	403
Net interest income	$41,840,000	575
Provision for loan and lease losses	$166,000	2,655
Total noninterest income	$4,762,000	1,191
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$2,420,000	542
Trading account gains and fees	$0	170
Additional Noninterest Income	$2,342,000	1,433
Total noninterest expense	$32,635,000	661
Salaries and employee benefits	$18,214,000	646
Premises and equipment expense	$3,736,000	668
Additional noninterest expense	$10,685,000	652
Pre-tax net operating income	$13,801,000	688
Securities gains (losses)	$634,000	347
Applicable income taxes	$4,048,000	639
Income before extraordinary items	$10,387,000	742
Extraordinary gains, net	$0	5
Net income	$10,387,000	739
Minority interest net income	$0	82
Net income of bank and minority interests.	$10,387,000	741
Net charge-offs	$516,000	1,064
Cash dividends	$2,500,000	1,167
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$9,930,520	753
2016-09-30 (YTD Data)		Rank
Total interest income	$36,579,000	553
Total interest expense	$5,442,000	410
Net interest income	$31,137,000	576
Provision for loan and lease losses	$450,000	1,227
Total noninterest income	$3,838,000	1,128
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,785,000	548
Trading account gains and fees	$0	169
Additional Noninterest Income	$2,053,000	1,293
Total noninterest expense	$24,667,000	656
Salaries and employee benefits	$13,700,000	645
Premises and equipment expense	$2,773,000	673
Additional noninterest expense	$8,194,000	636
Pre-tax net operating income	$9,858,000	718
Securities gains (losses)	$607,000	327
Applicable income taxes	$2,907,000	667
Income before extraordinary items	$7,558,000	757
Extraordinary gains, net	$0	5
Net income	$7,558,000	758
Minority interest net income	$0	71
Net income of bank and minority interests.	$7,558,000	757
Net charge-offs	$529,000	765
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$7,120,960	777
2016-06-30 (YTD Data)		Rank
Total interest income	$24,171,000	556
Total interest expense	$3,629,000	406
Net interest income	$20,542,000	581
Provision for loan and lease losses	$200,000	1,606
Total noninterest income	$2,468,000	1,143
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$1,168,000	555
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,300,000	1,310
Total noninterest expense	$16,357,000	661
Salaries and employee benefits	$9,073,000	651
Premises and equipment expense	$1,774,000	699
Additional noninterest expense	$5,510,000	626
Pre-tax net operating income	$6,453,000	719
Securities gains (losses)	$520,000	274
Applicable income taxes	$1,988,000	654
Income before extraordinary items	$4,985,000	765
Extraordinary gains, net	$0	16
Net income	$4,985,000	764
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,985,000	764
Net charge-offs	$325,000	817
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$4,615,800	780
2016-03-31 (YTD Data)		Rank
Total interest income	$12,037,000	559
Total interest expense	$1,826,000	399
Net interest income	$10,211,000	583
Provision for loan and lease losses	$0	3,656
Total noninterest income	$1,233,000	1,117
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$569,000	562
Trading account gains and fees	$0	142
Additional Noninterest Income	$664,000	1,260
Total noninterest expense	$8,112,000	670
Salaries and employee benefits	$4,562,000	652
Premises and equipment expense	$880,000	718
Additional noninterest expense	$2,670,000	635
Pre-tax net operating income	$3,332,000	695
Securities gains (losses)	$259,000	241
Applicable income taxes	$1,045,000	623
Income before extraordinary items	$2,546,000	720
Extraordinary gains, net	$0	12
Net income	$2,546,000	718
Minority interest net income	$0	62
Net income of bank and minority interests.	$2,546,000	719
Net charge-offs	$-35,000	5,624
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,362,110	755
2015-12-31 (YTD Data)		Rank
Total interest income	$47,553,000	539
Total interest expense	$7,037,000	391
Net interest income	$40,516,000	563
Provision for loan and lease losses	$0	4,380
Total noninterest income	$3,639,000	1,386
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$2,269,000	584
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,370,000	1,970
Total noninterest expense	$48,965,000	445
Salaries and employee benefits	$17,953,000	637
Premises and equipment expense	$3,626,000	677
Additional noninterest expense	$27,386,000	289
Pre-tax net operating income	$-4,810,000	6,169
Securities gains (losses)	$472,000	372
Applicable income taxes	$-2,363,000	6,136
Income before extraordinary items	$-1,975,000	6,132
Extraordinary gains, net	$0	23
Net income	$-1,975,000	6,132
Minority interest net income	$0	81
Net income of bank and minority interests.	$-1,975,000	6,132
Net charge-offs	$-292,000	5,928
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$-2,277,080	6,135
2015-09-30 (YTD Data)		Rank
Total interest income	$35,705,000	543
Total interest expense	$5,258,000	391
Net interest income	$30,447,000	564
Provision for loan and lease losses	$0	4,232
Total noninterest income	$2,612,000	1,453
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$1,668,000	594
Trading account gains and fees	$0	153
Additional Noninterest Income	$944,000	2,103
Total noninterest expense	$40,860,000	418
Salaries and employee benefits	$13,563,000	648
Premises and equipment expense	$2,759,000	687
Additional noninterest expense	$24,538,000	259
Pre-tax net operating income	$-7,801,000	6,267
Securities gains (losses)	$363,000	409
Applicable income taxes	$-3,128,000	6,252
Income before extraordinary items	$-4,310,000	6,250
Extraordinary gains, net	$0	21
Net income	$-4,310,000	6,251
Minority interest net income	$0	78
Net income of bank and minority interests.	$-4,310,000	6,251
Net charge-offs	$-434,000	6,085
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$-4,542,320	6,249
2015-06-30 (YTD Data)		Rank
Total interest income	$23,981,000	533
Total interest expense	$3,491,000	393
Net interest income	$20,490,000	556
Provision for loan and lease losses	$0	4,069
Total noninterest income	$2,214,000	1,244
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$1,085,000	597
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,129,000	1,427
Total noninterest expense	$18,689,000	567
Salaries and employee benefits	$8,807,000	655
Premises and equipment expense	$1,807,000	700
Additional noninterest expense	$8,075,000	436
Pre-tax net operating income	$4,015,000	1,082
Securities gains (losses)	$289,000	390
Applicable income taxes	$1,024,000	1,015
Income before extraordinary items	$3,280,000	1,078
Extraordinary gains, net	$0	22
Net income	$3,280,000	1,078
Minority interest net income	$0	75
Net income of bank and minority interests.	$3,280,000	1,079
Net charge-offs	$-597,000	6,242
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$3,060,360	1,115
2015-03-31 (YTD Data)		Rank
Total interest income	$11,650,000	548
Total interest expense	$1,738,000	396
Net interest income	$9,912,000	568
Provision for loan and lease losses	$0	3,703
Total noninterest income	$1,066,000	1,229
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$528,000	599
Trading account gains and fees	$0	152
Additional Noninterest Income	$538,000	1,435
Total noninterest expense	$9,400,000	566
Salaries and employee benefits	$4,448,000	654
Premises and equipment expense	$927,000	687
Additional noninterest expense	$4,025,000	431
Pre-tax net operating income	$1,578,000	1,277
Securities gains (losses)	$297,000	270
Applicable income taxes	$423,000	1,145
Income before extraordinary items	$1,452,000	1,161
Extraordinary gains, net	$0	13
Net income	$1,452,000	1,162
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,452,000	1,162
Net charge-offs	$256,000	605
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,223,310	1,306
2014-12-31 (YTD Data)		Rank
Total interest income	$48,722,000	510
Total interest expense	$6,509,000	432
Net interest income	$42,213,000	523
Provision for loan and lease losses	$0	4,603
Total noninterest income	$4,187,000	1,245
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$2,201,000	616
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,986,000	1,469
Total noninterest expense	$36,435,000	564
Salaries and employee benefits	$15,964,000	697
Premises and equipment expense	$3,553,000	696
Additional noninterest expense	$16,918,000	424
Pre-tax net operating income	$9,965,000	830
Securities gains (losses)	$1,089,000	195
Applicable income taxes	$3,002,000	712
Income before extraordinary items	$8,052,000	817
Extraordinary gains, net	$0	17
Net income	$8,052,000	816
Minority interest net income	$0	84
Net income of bank and minority interests.	$8,052,000	816
Net charge-offs	$1,177,000	783
Cash dividends	$8,250,000	392
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$7,257,030	899
2014-09-30 (YTD Data)		Rank
Total interest income	$36,996,000	501
Total interest expense	$4,760,000	446
Net interest income	$32,236,000	503
Provision for loan and lease losses	$0	4,401
Total noninterest income	$2,348,000	1,517
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$1,635,000	619
Trading account gains and fees	$0	174
Additional Noninterest Income	$713,000	2,414
Total noninterest expense	$27,166,000	565
Salaries and employee benefits	$11,894,000	698
Premises and equipment expense	$2,700,000	681
Additional noninterest expense	$12,572,000	419
Pre-tax net operating income	$7,418,000	849
Securities gains (losses)	$494,000	309
Applicable income taxes	$2,258,000	725
Income before extraordinary items	$5,654,000	881
Extraordinary gains, net	$0	15
Net income	$5,654,000	880
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,654,000	880
Net charge-offs	$680,000	915
Cash dividends	$2,550,000	768
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$5,303,260	918
2014-06-30 (YTD Data)		Rank
Total interest income	$24,331,000	509
Total interest expense	$3,118,000	454
Net interest income	$21,213,000	507
Provision for loan and lease losses	$0	4,196
Total noninterest income	$1,632,000	1,464
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$1,050,000	638
Trading account gains and fees	$0	172
Additional Noninterest Income	$582,000	2,102
Total noninterest expense	$18,050,000	563
Salaries and employee benefits	$7,866,000	698
Premises and equipment expense	$1,815,000	685
Additional noninterest expense	$8,369,000	416
Pre-tax net operating income	$4,795,000	849
Securities gains (losses)	$379,000	297
Applicable income taxes	$1,483,000	724
Income before extraordinary items	$3,691,000	876
Extraordinary gains, net	$0	20
Net income	$3,691,000	876
Minority interest net income	$0	80
Net income of bank and minority interests.	$3,691,000	876
Net charge-offs	$288,000	1,283
Cash dividends	$1,300,000	938
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$3,421,910	936
2014-03-31 (YTD Data)		Rank
Total interest income	$11,877,000	520
Total interest expense	$1,535,000	457
Net interest income	$10,342,000	527
Provision for loan and lease losses	$0	3,817
Total noninterest income	$688,000	1,621
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$489,000	665
Trading account gains and fees	$0	147
Additional Noninterest Income	$199,000	2,561
Total noninterest expense	$8,818,000	579
Salaries and employee benefits	$3,880,000	724
Premises and equipment expense	$867,000	736
Additional noninterest expense	$4,071,000	427
Pre-tax net operating income	$2,212,000	895
Securities gains (losses)	$355,000	175
Applicable income taxes	$754,000	692
Income before extraordinary items	$1,813,000	871
Extraordinary gains, net	$0	16
Net income	$1,813,000	872
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,813,000	872
Net charge-offs	$34,000	2,143
Cash dividends	$1,300,000	481
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,560,950	979
2013-12-31 (YTD Data)		Rank
Total interest income	$50,045,000	487
Total interest expense	$6,941,000	455
Net interest income	$43,104,000	493
Provision for loan and lease losses	$0	5,091
Total noninterest income	$2,624,000	1,793
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$2,739,000	508
Trading account gains and fees	$0	184
Additional Noninterest Income	$-115,000	6,626
Total noninterest expense	$37,139,000	553
Salaries and employee benefits	$15,832,000	692
Premises and equipment expense	$3,755,000	657
Additional noninterest expense	$17,552,000	415
Pre-tax net operating income	$8,589,000	897
Securities gains (losses)	$518,000	441
Applicable income taxes	$2,735,000	711
Income before extraordinary items	$6,372,000	975
Extraordinary gains, net	$0	29
Net income	$6,372,000	978
Minority interest net income	$0	90
Net income of bank and minority interests.	$6,372,000	978
Net charge-offs	$2,475,000	636
Cash dividends	$7,820,000	395
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$6,009,400	1,007
2013-09-30 (YTD Data)		Rank
Total interest income	$37,828,000	486
Total interest expense	$5,330,000	453
Net interest income	$32,498,000	494
Provision for loan and lease losses	$0	4,941
Total noninterest income	$1,933,000	1,837
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$2,105,000	494
Trading account gains and fees	$0	180
Additional Noninterest Income	$-172,000	6,784
Total noninterest expense	$27,731,000	560
Salaries and employee benefits	$11,878,000	695
Premises and equipment expense	$2,860,000	651
Additional noninterest expense	$12,993,000	418
Pre-tax net operating income	$6,700,000	880
Securities gains (losses)	$446,000	454
Applicable income taxes	$2,171,000	686
Income before extraordinary items	$4,975,000	935
Extraordinary gains, net	$0	25
Net income	$4,975,000	937
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,975,000	937
Net charge-offs	$2,266,000	548
Cash dividends	$4,820,000	426
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$4,662,800	975
2013-06-30 (YTD Data)		Rank
Total interest income	$24,659,000	503
Total interest expense	$3,618,000	456
Net interest income	$21,041,000	505
Provision for loan and lease losses	$0	4,788
Total noninterest income	$1,290,000	1,868
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$1,364,000	500
Trading account gains and fees	$0	157
Additional Noninterest Income	$-74,000	6,780
Total noninterest expense	$18,284,000	568
Salaries and employee benefits	$7,820,000	706
Premises and equipment expense	$1,894,000	656
Additional noninterest expense	$8,570,000	418
Pre-tax net operating income	$4,047,000	936
Securities gains (losses)	$408,000	437
Applicable income taxes	$1,334,000	741
Income before extraordinary items	$3,121,000	984
Extraordinary gains, net	$0	22
Net income	$3,121,000	986
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,121,000	987
Net charge-offs	$1,396,000	600
Cash dividends	$260,000	2,333
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$2,835,400	1,055
2013-03-31 (YTD Data)		Rank
Total interest income	$12,166,000	511
Total interest expense	$1,860,000	456
Net interest income	$10,306,000	517
Provision for loan and lease losses	$0	4,409
Total noninterest income	$451,000	2,379
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$663,000	511
Trading account gains and fees	$0	148
Additional Noninterest Income	$-212,000	6,971
Total noninterest expense	$9,005,000	589
Salaries and employee benefits	$3,956,000	705
Premises and equipment expense	$930,000	671
Additional noninterest expense	$4,119,000	446
Pre-tax net operating income	$1,752,000	1,051
Securities gains (losses)	$278,000	345
Applicable income taxes	$612,000	769
Income before extraordinary items	$1,418,000	1,074
Extraordinary gains, net	$0	10
Net income	$1,418,000	1,076
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,418,000	1,076
Net charge-offs	$661,000	636
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$1,223,400	1,164
2012-12-31 (YTD Data)		Rank
Total interest income	$53,737,000	487
Total interest expense	$9,511,000	430
Net interest income	$44,226,000	501
Provision for loan and lease losses	$1,200,000	1,554
Total noninterest income	$2,982,000	1,641
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$2,736,000	529
Trading account gains and fees	$0	166
Additional Noninterest Income	$246,000	4,340
Total noninterest expense	$39,368,000	536
Salaries and employee benefits	$16,428,000	637
Premises and equipment expense	$3,802,000	638
Additional noninterest expense	$19,138,000	409
Pre-tax net operating income	$6,640,000	1,073
Securities gains (losses)	$1,492,000	353
Applicable income taxes	$2,306,000	775
Income before extraordinary items	$5,826,000	1,025
Extraordinary gains, net	$0	29
Net income	$5,826,000	1,025
Minority interest net income	$0	93
Net income of bank and minority interests.	$5,826,000	1,025
Net charge-offs	$3,408,000	780
Cash dividends	$3,048,000	856
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$4,751,760	1,181
2012-09-30 (YTD Data)		Rank
Total interest income	$40,822,000	482
Total interest expense	$7,494,000	423
Net interest income	$33,328,000	502
Provision for loan and lease losses	$750,000	1,780
Total noninterest income	$2,452,000	1,541
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$2,007,000	543
Trading account gains and fees	$0	157
Additional Noninterest Income	$445,000	3,118
Total noninterest expense	$30,423,000	522
Salaries and employee benefits	$12,396,000	631
Premises and equipment expense	$2,855,000	638
Additional noninterest expense	$15,172,000	386
Pre-tax net operating income	$4,607,000	1,168
Securities gains (losses)	$1,353,000	301
Applicable income taxes	$1,806,000	779
Income before extraordinary items	$4,154,000	1,100
Extraordinary gains, net	$0	20
Net income	$4,154,000	1,101
Minority interest net income	$0	86
Net income of bank and minority interests.	$4,154,000	1,101
Net charge-offs	$1,602,000	1,068
Cash dividends	$2,526,000	634
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$3,206,900	1,322
2012-06-30 (YTD Data)		Rank
Total interest income	$27,949,000	479
Total interest expense	$5,204,000	420
Net interest income	$22,745,000	500
Provision for loan and lease losses	$750,000	1,348
Total noninterest income	$1,900,000	1,371
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$1,291,000	558
Trading account gains and fees	$0	153
Additional Noninterest Income	$609,000	2,087
Total noninterest expense	$20,888,000	515
Salaries and employee benefits	$8,369,000	620
Premises and equipment expense	$1,881,000	647
Additional noninterest expense	$10,638,000	366
Pre-tax net operating income	$3,007,000	1,184
Securities gains (losses)	$173,000	1,210
Applicable income taxes	$913,000	956
Income before extraordinary items	$2,267,000	1,309
Extraordinary gains, net	$0	19
Net income	$2,267,000	1,308
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,267,000	1,309
Net charge-offs	$2,379,000	609
Cash dividends	$1,026,000	941
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$2,144,170	1,306
2012-03-31 (YTD Data)		Rank
Total interest income	$13,819,000	487
Total interest expense	$2,654,000	428
Net interest income	$11,165,000	508
Provision for loan and lease losses	$250,000	1,742
Total noninterest income	$923,000	1,395
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$617,000	574
Trading account gains and fees	$0	148
Additional Noninterest Income	$306,000	2,078
Total noninterest expense	$10,295,000	512
Salaries and employee benefits	$4,189,000	615
Premises and equipment expense	$925,000	647
Additional noninterest expense	$5,181,000	366
Pre-tax net operating income	$1,543,000	1,139
Securities gains (losses)	$-116,000	7,209
Applicable income taxes	$402,000	1,067
Income before extraordinary items	$1,025,000	1,421
Extraordinary gains, net	$0	19
Net income	$1,025,000	1,422
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,025,000	1,422
Net charge-offs	$1,466,000	511
Cash dividends	$537,000	817
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$1,108,520	1,234
2011-12-31 (YTD Data)		Rank
Total interest income	$56,109,000	485
Total interest expense	$12,023,000	464
Net interest income	$44,086,000	497
Provision for loan and lease losses	$1,515,000	1,873
Total noninterest income	$2,462,000	1,736
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$2,503,000	582
Trading account gains and fees	$0	146
Additional Noninterest Income	$-41,000	6,808
Total noninterest expense	$45,495,000	456
Salaries and employee benefits	$16,374,000	593
Premises and equipment expense	$4,131,000	609
Additional noninterest expense	$24,990,000	332
Pre-tax net operating income	$-462,000	6,385
Securities gains (losses)	$2,868,000	166
Applicable income taxes	$367,000	2,332
Income before extraordinary items	$2,039,000	2,225
Extraordinary gains, net	$0	29
Net income	$2,039,000	2,226
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,039,000	2,226
Net charge-offs	$12,276,000	371
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-398,800	6,392
2011-09-30 (YTD Data)		Rank
Total interest income	$42,212,000	487
Total interest expense	$9,216,000	482
Net interest income	$32,996,000	500
Provision for loan and lease losses	$1,515,000	1,503
Total noninterest income	$1,661,000	1,857
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$1,856,000	594
Trading account gains and fees	$0	145
Additional Noninterest Income	$-195,000	7,123
Total noninterest expense	$34,421,000	447
Salaries and employee benefits	$12,263,000	587
Premises and equipment expense	$3,172,000	605
Additional noninterest expense	$18,986,000	323
Pre-tax net operating income	$-1,279,000	6,864
Securities gains (losses)	$2,563,000	156
Applicable income taxes	$64,000	3,494
Income before extraordinary items	$1,220,000	2,694
Extraordinary gains, net	$0	21
Net income	$1,220,000	2,696
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,220,000	2,696
Net charge-offs	$11,348,000	314
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-1,214,850	6,884
2011-06-30 (YTD Data)		Rank
Total interest income	$27,922,000	500
Total interest expense	$6,292,000	493
Net interest income	$21,630,000	510
Provision for loan and lease losses	$1,515,000	1,107
Total noninterest income	$1,709,000	1,362
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$1,213,000	607
Trading account gains and fees	$0	153
Additional Noninterest Income	$496,000	2,114
Total noninterest expense	$23,416,000	448
Salaries and employee benefits	$8,262,000	582
Premises and equipment expense	$2,197,000	590
Additional noninterest expense	$12,957,000	316
Pre-tax net operating income	$-1,592,000	7,114
Securities gains (losses)	$838,000	235
Applicable income taxes	$-497,000	7,335
Income before extraordinary items	$-257,000	6,689
Extraordinary gains, net	$0	15
Net income	$-257,000	6,690
Minority interest net income	$0	89
Net income of bank and minority interests.	$-257,000	6,690
Net charge-offs	$10,256,000	260
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-793,320	6,951
2011-03-31 (YTD Data)		Rank
Total interest income	$13,417,000	519
Total interest expense	$3,276,000	490
Net interest income	$10,141,000	547
Provision for loan and lease losses	$1,515,000	633
Total noninterest income	$653,000	1,648
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$576,000	626
Trading account gains and fees	$0	158
Additional Noninterest Income	$77,000	3,973
Total noninterest expense	$11,794,000	448
Salaries and employee benefits	$4,146,000	589
Premises and equipment expense	$1,144,000	578
Additional noninterest expense	$6,504,000	304
Pre-tax net operating income	$-2,515,000	7,429
Securities gains (losses)	$661,000	132
Applicable income taxes	$-778,000	7,504
Income before extraordinary items	$-1,076,000	7,305
Extraordinary gains, net	$0	9
Net income	$-1,076,000	7,305
Minority interest net income	$0	86
Net income of bank and minority interests.	$-1,076,000	7,306
Net charge-offs	$5,516,000	255
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-1,499,040	7,361
2010-12-31 (YTD Data)		Rank
Total interest income	$59,046,000	501
Total interest expense	$18,249,000	436
Net interest income	$40,797,000	530
Provision for loan and lease losses	$26,690,000	282
Total noninterest income	$-1,675,000	7,585
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$2,464,000	601
Trading account gains and fees	$0	175
Additional Noninterest Income	$-4,139,000	7,627
Total noninterest expense	$45,162,000	466
Salaries and employee benefits	$18,967,000	517
Premises and equipment expense	$4,341,000	594
Additional noninterest expense	$21,854,000	385
Pre-tax net operating income	$-32,730,000	7,574
Securities gains (losses)	$4,515,000	117
Applicable income taxes	$-8,708,000	7,615
Income before extraordinary items	$-19,507,000	7,517
Extraordinary gains, net	$0	29
Net income	$-19,507,000	7,517
Minority interest net income	$0	111
Net income of bank and minority interests.	$-19,507,000	7,517
Net charge-offs	$18,622,000	358
Cash dividends	$1,500,000	1,061
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-22,622,350	7,524
2010-09-30 (YTD Data)		Rank
Total interest income	$45,375,000	490
Total interest expense	$14,386,000	426
Net interest income	$30,989,000	514
Provision for loan and lease losses	$26,690,000	227
Total noninterest income	$-932,000	7,689
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$1,846,000	614
Trading account gains and fees	$0	165
Additional Noninterest Income	$-2,778,000	7,722
Total noninterest expense	$35,945,000	431
Salaries and employee benefits	$14,843,000	490
Premises and equipment expense	$3,322,000	576
Additional noninterest expense	$17,780,000	333
Pre-tax net operating income	$-32,578,000	7,703
Securities gains (losses)	$506,000	733
Applicable income taxes	$-9,844,000	7,723
Income before extraordinary items	$-22,228,000	7,672
Extraordinary gains, net	$0	23
Net income	$-22,228,000	7,672
Minority interest net income	$0	110
Net income of bank and minority interests.	$-22,228,000	7,672
Net charge-offs	$10,427,000	446
Cash dividends	$1,500,000	712
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-22,577,140	7,666
2010-06-30 (YTD Data)		Rank
Total interest income	$30,214,000	492
Total interest expense	$9,940,000	426
Net interest income	$20,274,000	522
Provision for loan and lease losses	$25,574,000	176
Total noninterest income	$323,000	4,108
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$1,187,000	642
Trading account gains and fees	$0	152
Additional Noninterest Income	$-864,000	7,758
Total noninterest expense	$25,521,000	404
Salaries and employee benefits	$9,661,000	501
Premises and equipment expense	$2,227,000	581
Additional noninterest expense	$13,633,000	296
Pre-tax net operating income	$-30,498,000	7,779
Securities gains (losses)	$431,000	540
Applicable income taxes	$-8,888,000	7,795
Income before extraordinary items	$-21,179,000	7,758
Extraordinary gains, net	$0	19
Net income	$-21,179,000	7,758
Minority interest net income	$0	105
Net income of bank and minority interests.	$-21,179,000	7,758
Net charge-offs	$4,879,000	588
Cash dividends	$1,500,000	452
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-21,480,700	7,756
2010-03-31 (YTD Data)		Rank
Total interest income	$15,266,000	504
Total interest expense	$5,154,000	433
Net interest income	$10,112,000	538
Provision for loan and lease losses	$4,961,000	383
Total noninterest income	$21,000	7,064
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$565,000	682
Trading account gains and fees	$0	175
Additional Noninterest Income	$-544,000	7,871
Total noninterest expense	$9,613,000	533
Salaries and employee benefits	$4,993,000	488
Premises and equipment expense	$1,151,000	580
Additional noninterest expense	$3,469,000	522
Pre-tax net operating income	$-4,441,000	7,747
Securities gains (losses)	$353,000	338
Applicable income taxes	$-1,549,000	7,838
Income before extraordinary items	$-2,539,000	7,686
Extraordinary gains, net	$0	16
Net income	$-2,539,000	7,687
Minority interest net income	$0	91
Net income of bank and minority interests.	$-2,539,000	7,687
Net charge-offs	$3,413,000	440
Cash dividends	$1,500,000	226
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-2,764,920	7,698
2009-12-31 (YTD Data)		Rank
Total interest income	$64,001,000	513
Total interest expense	$27,655,000	402
Net interest income	$36,346,000	593
Provision for loan and lease losses	$19,089,000	513
Total noninterest income	$6,802,000	860
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$2,506,000	673
Trading account gains and fees	$0	211
Additional Noninterest Income	$4,296,000	807
Total noninterest expense	$71,768,000	316
Salaries and employee benefits	$21,427,000	453
Premises and equipment expense	$4,257,000	622
Additional noninterest expense	$46,084,000	238
Pre-tax net operating income	$-47,709,000	7,859
Securities gains (losses)	$737,000	654
Applicable income taxes	$-6,606,000	7,822
Income before extraordinary items	$-40,366,000	7,850
Extraordinary gains, net	$11,667,000	6
Net income	$-28,699,000	7,809
Minority interest net income	$0	115
Net income of bank and minority interests.	$-28,699,000	7,809
Net charge-offs	$7,859,000	824
Cash dividends	$859,000	1,829
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-40,999,820	7,854
2009-09-30 (YTD Data)		Rank
Total interest income	$47,282,000	541
Total interest expense	$21,784,000	412
Net interest income	$25,498,000	632
Provision for loan and lease losses	$11,272,000	567
Total noninterest income	$2,454,000	1,535
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$1,863,000	675
Trading account gains and fees	$0	212
Additional Noninterest Income	$591,000	2,544
Total noninterest expense	$51,340,000	332
Salaries and employee benefits	$14,294,000	519
Premises and equipment expense	$3,083,000	664
Additional noninterest expense	$33,963,000	235
Pre-tax net operating income	$-34,660,000	7,944
Securities gains (losses)	$769,000	489
Applicable income taxes	$-5,301,000	7,903
Income before extraordinary items	$-28,590,000	7,941
Extraordinary gains, net	$12,866,000	5
Net income	$-15,724,000	7,861
Minority interest net income	$0	118
Net income of bank and minority interests.	$-15,724,000	7,862
Net charge-offs	$2,000,000	1,497
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-29,235,960	7,945
2009-06-30 (YTD Data)		Rank
Total interest income	$31,496,000	559
Total interest expense	$15,018,000	426
Net interest income	$16,478,000	654
Provision for loan and lease losses	$6,040,000	652
Total noninterest income	$1,942,000	1,364
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$1,189,000	700
Trading account gains and fees	$0	193
Additional Noninterest Income	$753,000	1,725
Total noninterest expense	$41,935,000	282
Salaries and employee benefits	$9,454,000	537
Premises and equipment expense	$1,896,000	739
Additional noninterest expense	$30,585,000	197
Pre-tax net operating income	$-29,555,000	8,059
Securities gains (losses)	$157,000	1,179
Applicable income taxes	$-3,425,000	7,992
Income before extraordinary items	$-25,973,000	8,059
Extraordinary gains, net	$12,866,000	3
Net income	$-13,107,000	7,989
Minority interest net income	$0	112
Net income of bank and minority interests.	$-13,107,000	7,990
Net charge-offs	$794,000	1,845
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-26,111,160	8,056
2009-03-31 (YTD Data)		Rank
Total interest income	$15,551,000	567
Total interest expense	$7,153,000	461
Net interest income	$8,398,000	638
Provision for loan and lease losses	$5,500,000	383
Total noninterest income	$1,529,000	925
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$551,000	726
Trading account gains and fees	$0	171
Additional Noninterest Income	$978,000	868
Total noninterest expense	$9,177,000	557
Salaries and employee benefits	$4,421,000	568
Premises and equipment expense	$918,000	772
Additional noninterest expense	$3,838,000	455
Pre-tax net operating income	$-4,750,000	8,022
Securities gains (losses)	$-38,000	7,917
Applicable income taxes	$-7,000	7,165
Income before extraordinary items	$-4,781,000	8,053
Extraordinary gains, net	$12,866,000	2
Net income	$8,085,000	142
Minority interest net income	$0	102
Net income of bank and minority interests.	$8,085,000	144
Net charge-offs	$896,000	1,016
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-4,743,000	8,049
2008-12-31 (YTD Data)		Rank
Total interest income	$37,953,000	992
Total interest expense	$17,270,000	924
Net interest income	$20,683,000	1,043
Provision for loan and lease losses	$4,119,000	1,155
Total noninterest income	$3,322,000	1,460
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,928,000	918
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,394,000	1,679
Total noninterest expense	$22,962,000	867
Salaries and employee benefits	$11,771,000	848
Premises and equipment expense	$2,591,000	1,082
Additional noninterest expense	$8,600,000	766
Pre-tax net operating income	$-3,076,000	7,604
Securities gains (losses)	$6,000	2,702
Applicable income taxes	$40,000	3,968
Income before extraordinary items	$-3,110,000	7,626
Extraordinary gains, net	$-495,000	8,285
Net income	$-3,605,000	7,693
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,946,000	1,315
Cash dividends	$575,000	3,186
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-3,116,000	7,695
2008-09-30 (YTD Data)		Rank
Total interest income	$27,511,000	1,059
Total interest expense	$12,120,000	1,036
Net interest income	$15,391,000	1,075
Provision for loan and lease losses	$2,882,000	927
Total noninterest income	$2,311,000	1,591
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$1,277,000	1,063
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,034,000	1,774
Total noninterest expense	$18,556,000	790
Salaries and employee benefits	$9,525,000	799
Premises and equipment expense	$1,974,000	1,061
Additional noninterest expense	$7,057,000	678
Pre-tax net operating income	$-3,736,000	8,069
Securities gains (losses)	$6,000	2,568
Applicable income taxes	$157,000	3,185
Income before extraordinary items	$-3,887,000	8,076
Extraordinary gains, net	$-495,000	8,368
Net income	$-4,382,000	8,097
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,101,000	1,224
Cash dividends	$575,000	2,567
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-3,893,000	8,129
2008-06-30 (YTD Data)		Rank
Total interest income	$9,271,000	2,123
Total interest expense	$4,332,000	1,998
Net interest income	$4,939,000	2,244
Provision for loan and lease losses	$100,000	4,246
Total noninterest income	$1,114,000	2,069
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$572,000	1,546
Trading account gains and fees	$0	149
Additional Noninterest Income	$542,000	2,120
Total noninterest expense	$4,849,000	1,978
Salaries and employee benefits	$2,535,000	2,042
Premises and equipment expense	$608,000	2,227
Additional noninterest expense	$1,706,000	1,715
Pre-tax net operating income	$1,104,000	2,749
Securities gains (losses)	$6,000	2,681
Applicable income taxes	$168,000	2,882
Income before extraordinary items	$942,000	2,700
Extraordinary gains, net	$-495,000	8,439
Net income	$447,000	4,253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	3,593
Cash dividends	$575,000	2,103
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$936,900	2,663
2008-03-31 (YTD Data)		Rank
Total interest income	$4,667,000	2,163
Total interest expense	$2,222,000	2,059
Net interest income	$2,445,000	2,260
Provision for loan and lease losses	$0	6,080
Total noninterest income	$548,000	2,094
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$275,000	1,590
Trading account gains and fees	$0	158
Additional Noninterest Income	$273,000	2,079
Total noninterest expense	$2,444,000	1,960
Salaries and employee benefits	$1,285,000	2,043
Premises and equipment expense	$285,000	2,367
Additional noninterest expense	$874,000	1,644
Pre-tax net operating income	$549,000	2,886
Securities gains (losses)	$6,000	2,176
Applicable income taxes	$91,000	2,912
Income before extraordinary items	$464,000	2,862
Extraordinary gains, net	$0	15
Net income	$464,000	2,864
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	2,807
Cash dividends	$250,000	2,054
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$458,960	2,809
2007-12-31 (YTD Data)		Rank
Total interest income	$18,557,000	2,220
Total interest expense	$8,347,000	2,246
Net interest income	$10,210,000	2,207
Provision for loan and lease losses	$6,000	6,695
Total noninterest income	$2,110,000	2,138
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,110,000	1,613
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,000,000	2,218
Total noninterest expense	$8,744,000	2,104
Salaries and employee benefits	$4,777,000	2,112
Premises and equipment expense	$1,030,000	2,504
Additional noninterest expense	$2,937,000	1,880
Pre-tax net operating income	$3,570,000	2,165
Securities gains (losses)	$-37,000	7,934
Applicable income taxes	$697,000	2,313
Income before extraordinary items	$2,836,000	2,128
Extraordinary gains, net	$0	39
Net income	$2,836,000	2,128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-189,000	8,442
Cash dividends	$950,000	2,719
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,865,600	2,096
2007-09-30 (YTD Data)		Rank
Total interest income	$13,889,000	2,233
Total interest expense	$6,156,000	2,277
Net interest income	$7,733,000	2,207
Provision for loan and lease losses	$6,000	6,329
Total noninterest income	$1,553,000	2,164
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$797,000	1,659
Trading account gains and fees	$0	184
Additional Noninterest Income	$756,000	2,194
Total noninterest expense	$6,496,000	2,102
Salaries and employee benefits	$3,685,000	2,042
Premises and equipment expense	$881,000	2,188
Additional noninterest expense	$1,930,000	2,080
Pre-tax net operating income	$2,784,000	2,244
Securities gains (losses)	$-42,000	8,135
Applicable income taxes	$464,000	2,629
Income before extraordinary items	$2,278,000	2,142
Extraordinary gains, net	$0	33
Net income	$2,278,000	2,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-266,000	8,488
Cash dividends	$625,000	2,627
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,312,860	2,098
2007-06-30 (YTD Data)		Rank
Total interest income	$9,110,000	2,287
Total interest expense	$4,054,000	2,297
Net interest income	$5,056,000	2,271
Provision for loan and lease losses	$0	6,209
Total noninterest income	$1,027,000	2,205
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$513,000	1,718
Trading account gains and fees	$0	168
Additional Noninterest Income	$514,000	2,204
Total noninterest expense	$4,230,000	2,167
Salaries and employee benefits	$2,397,000	2,136
Premises and equipment expense	$572,000	2,260
Additional noninterest expense	$1,261,000	2,125
Pre-tax net operating income	$1,853,000	2,296
Securities gains (losses)	$-3,000	7,770
Applicable income taxes	$300,000	2,735
Income before extraordinary items	$1,550,000	2,163
Extraordinary gains, net	$0	29
Net income	$1,550,000	2,162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	3,125
Cash dividends	$425,000	2,674
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,552,520	2,141
2007-03-31 (YTD Data)		Rank
Total interest income	$4,445,000	2,341
Total interest expense	$2,014,000	2,304
Net interest income	$2,431,000	2,341
Provision for loan and lease losses	$0	5,779
Total noninterest income	$439,000	2,404
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$235,000	1,805
Trading account gains and fees	$0	195
Additional Noninterest Income	$204,000	2,518
Total noninterest expense	$2,081,000	2,228
Salaries and employee benefits	$1,181,000	2,176
Premises and equipment expense	$277,000	2,354
Additional noninterest expense	$623,000	2,106
Pre-tax net operating income	$789,000	2,579
Securities gains (losses)	$1,000	1,055
Applicable income taxes	$147,000	2,766
Income before extraordinary items	$643,000	2,496
Extraordinary gains, net	$0	22
Net income	$643,000	2,496
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,465
Cash dividends	$225,000	2,281
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$642,190	2,472
2006-12-31 (YTD Data)		Rank
Total interest income	$16,866,000	2,320
Total interest expense	$6,633,000	2,381
Net interest income	$10,233,000	2,256
Provision for loan and lease losses	$125,000	4,315
Total noninterest income	$2,323,000	1,990
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,043,000	1,688
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,280,000	1,871
Total noninterest expense	$8,077,000	2,189
Salaries and employee benefits	$4,593,000	2,129
Premises and equipment expense	$1,083,000	2,290
Additional noninterest expense	$2,401,000	2,182
Pre-tax net operating income	$4,354,000	2,103
Securities gains (losses)	$-13,000	7,384
Applicable income taxes	$990,000	2,211
Income before extraordinary items	$3,351,000	2,086
Extraordinary gains, net	$0	51
Net income	$3,351,000	2,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,196
Cash dividends	$900,000	2,731
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$3,361,010	2,068
2006-09-30 (YTD Data)		Rank
Total interest income	$12,444,000	2,332
Total interest expense	$4,695,000	2,440
Net interest income	$7,749,000	2,251
Provision for loan and lease losses	$125,000	3,756
Total noninterest income	$1,367,000	2,381
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$779,000	1,699
Trading account gains and fees	$0	126
Additional Noninterest Income	$588,000	2,604
Total noninterest expense	$5,841,000	2,259
Salaries and employee benefits	$3,300,000	2,227
Premises and equipment expense	$800,000	2,326
Additional noninterest expense	$1,741,000	2,234
Pre-tax net operating income	$3,150,000	2,244
Securities gains (losses)	$-19,000	7,814
Applicable income taxes	$672,000	2,430
Income before extraordinary items	$2,459,000	2,176
Extraordinary gains, net	$0	45
Net income	$2,459,000	2,178
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	4,946
Cash dividends	$450,000	3,081
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,474,010	2,151
2006-06-30 (YTD Data)		Rank
Total interest income	$8,154,000	2,332
Total interest expense	$2,969,000	2,460
Net interest income	$5,185,000	2,264
Provision for loan and lease losses	$125,000	2,925
Total noninterest income	$904,000	2,389
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$522,000	1,680
Trading account gains and fees	$0	126
Additional Noninterest Income	$382,000	2,628
Total noninterest expense	$3,840,000	2,304
Salaries and employee benefits	$2,171,000	2,264
Premises and equipment expense	$485,000	2,554
Additional noninterest expense	$1,184,000	2,204
Pre-tax net operating income	$2,124,000	2,211
Securities gains (losses)	$-18,000	8,036
Applicable income taxes	$438,000	2,487
Income before extraordinary items	$1,668,000	2,153
Extraordinary gains, net	$0	39
Net income	$1,668,000	2,156
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	7,940
Cash dividends	$450,000	2,520
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,682,220	2,118
2006-03-31 (YTD Data)		Rank
Total interest income	$3,951,000	2,350
Total interest expense	$1,389,000	2,485
Net interest income	$2,562,000	2,273
Provision for loan and lease losses	$100,000	1,992
Total noninterest income	$423,000	2,465
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$248,000	1,697
Trading account gains and fees	$0	115
Additional Noninterest Income	$175,000	2,721
Total noninterest expense	$1,823,000	2,430
Salaries and employee benefits	$1,064,000	2,311
Premises and equipment expense	$216,000	2,823
Additional noninterest expense	$543,000	2,365
Pre-tax net operating income	$1,062,000	2,176
Securities gains (losses)	$-21,000	8,390
Applicable income taxes	$227,000	2,423
Income before extraordinary items	$814,000	2,147
Extraordinary gains, net	$0	21
Net income	$814,000	2,147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	3,757
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$830,380	2,102
2005-12-31 (YTD Data)		Rank
Total interest income	$14,484,000	2,283
Total interest expense	$4,205,000	2,545
Net interest income	$10,279,000	2,157
Provision for loan and lease losses	$240,000	3,239
Total noninterest income	$1,708,000	2,471
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$985,000	1,759
Trading account gains and fees	$0	138
Additional Noninterest Income	$723,000	2,711
Total noninterest expense	$7,503,000	2,237
Salaries and employee benefits	$4,281,000	2,149
Premises and equipment expense	$954,000	2,470
Additional noninterest expense	$2,268,000	2,208
Pre-tax net operating income	$4,244,000	2,130
Securities gains (losses)	$3,000	1,899
Applicable income taxes	$965,000	2,311
Income before extraordinary items	$3,282,000	2,087
Extraordinary gains, net	$0	46
Net income	$3,282,000	2,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,000	3,068
Cash dividends	$870,000	2,713
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$3,279,690	2,063
2005-09-30 (YTD Data)		Rank
Total interest income	$10,575,000	2,302
Total interest expense	$2,949,000	2,575
Net interest income	$7,626,000	2,156
Provision for loan and lease losses	$160,000	3,373
Total noninterest income	$1,211,000	2,567
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$728,000	1,771
Trading account gains and fees	$0	126
Additional Noninterest Income	$483,000	2,951
Total noninterest expense	$5,501,000	2,264
Salaries and employee benefits	$3,129,000	2,177
Premises and equipment expense	$723,000	2,438
Additional noninterest expense	$1,649,000	2,241
Pre-tax net operating income	$3,176,000	2,135
Securities gains (losses)	$8,000	1,553
Applicable income taxes	$685,000	2,427
Income before extraordinary items	$2,499,000	2,063
Extraordinary gains, net	$0	35
Net income	$2,499,000	2,062
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	3,302
Cash dividends	$420,000	3,074
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$2,492,760	2,037
2005-06-30 (YTD Data)		Rank
Total interest income	$6,828,000	2,316
Total interest expense	$1,817,000	2,616
Net interest income	$5,011,000	2,162
Provision for loan and lease losses	$155,000	2,569
Total noninterest income	$779,000	2,590
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$468,000	1,784
Trading account gains and fees	$0	116
Additional Noninterest Income	$311,000	2,999
Total noninterest expense	$3,614,000	2,270
Salaries and employee benefits	$2,069,000	2,185
Premises and equipment expense	$468,000	2,473
Additional noninterest expense	$1,077,000	2,272
Pre-tax net operating income	$2,021,000	2,169
Securities gains (losses)	$8,000	1,424
Applicable income taxes	$445,000	2,438
Income before extraordinary items	$1,584,000	2,133
Extraordinary gains, net	$0	30
Net income	$1,584,000	2,132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	2,762
Cash dividends	$420,000	2,456
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,577,760	2,105
2005-03-31 (YTD Data)		Rank
Total interest income	$3,321,000	2,325
Total interest expense	$862,000	2,627
Net interest income	$2,459,000	2,183
Provision for loan and lease losses	$80,000	2,398
Total noninterest income	$387,000	2,547
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$221,000	1,838
Trading account gains and fees	$0	115
Additional Noninterest Income	$166,000	2,792
Total noninterest expense	$1,776,000	2,327
Salaries and employee benefits	$1,023,000	2,224
Premises and equipment expense	$228,000	2,551
Additional noninterest expense	$525,000	2,320
Pre-tax net operating income	$990,000	2,183
Securities gains (losses)	$5,000	1,192
Applicable income taxes	$216,000	2,474
Income before extraordinary items	$779,000	2,134
Extraordinary gains, net	$0	24
Net income	$779,000	2,135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	2,822
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$775,100	2,106
2004-12-31 (YTD Data)		Rank
Total interest income	$12,985,000	2,214
Total interest expense	$3,419,000	2,357
Net interest income	$9,566,000	2,128
Provision for loan and lease losses	$305,000	2,870
Total noninterest income	$1,603,000	2,562
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$994,000	1,761
Trading account gains and fees	$0	138
Additional Noninterest Income	$609,000	2,966
Total noninterest expense	$7,059,000	2,267
Salaries and employee benefits	$3,866,000	2,254
Premises and equipment expense	$980,000	2,332
Additional noninterest expense	$2,213,000	2,202
Pre-tax net operating income	$3,805,000	2,140
Securities gains (losses)	$114,000	1,160
Applicable income taxes	$898,000	2,345
Income before extraordinary items	$3,021,000	2,062
Extraordinary gains, net	$0	34
Net income	$3,021,000	2,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$345,000	1,789
Cash dividends	$756,000	2,815
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,933,220	2,073
2004-09-30 (YTD Data)		Rank
Total interest income	$9,725,000	2,190
Total interest expense	$2,548,000	2,313
Net interest income	$7,177,000	2,109
Provision for loan and lease losses	$225,000	2,754
Total noninterest income	$1,219,000	2,550
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$750,000	1,766
Trading account gains and fees	$0	134
Additional Noninterest Income	$469,000	2,909
Total noninterest expense	$5,266,000	2,255
Salaries and employee benefits	$2,868,000	2,254
Premises and equipment expense	$751,000	2,286
Additional noninterest expense	$1,647,000	2,193
Pre-tax net operating income	$2,905,000	2,123
Securities gains (losses)	$50,000	1,653
Applicable income taxes	$665,000	2,401
Income before extraordinary items	$2,290,000	2,051
Extraordinary gains, net	$0	26
Net income	$2,290,000	2,052
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$332,000	1,347
Cash dividends	$356,000	3,204
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$2,251,500	2,029
2004-06-30 (YTD Data)		Rank
Total interest income	$6,337,000	2,208
Total interest expense	$1,690,000	2,302
Net interest income	$4,647,000	2,154
Provision for loan and lease losses	$150,000	2,691
Total noninterest income	$833,000	2,517
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$502,000	1,744
Trading account gains and fees	$0	130
Additional Noninterest Income	$331,000	2,820
Total noninterest expense	$3,535,000	2,230
Salaries and employee benefits	$1,924,000	2,246
Premises and equipment expense	$473,000	2,394
Additional noninterest expense	$1,138,000	2,124
Pre-tax net operating income	$1,795,000	2,235
Securities gains (losses)	$50,000	1,460
Applicable income taxes	$433,000	2,432
Income before extraordinary items	$1,412,000	2,183
Extraordinary gains, net	$0	21
Net income	$1,412,000	2,184
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$288,000	1,069
Cash dividends	$356,000	2,635
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,373,500	2,177
2004-03-31 (YTD Data)		Rank
Total interest income	$3,152,000	2,223
Total interest expense	$843,000	2,332
Net interest income	$2,309,000	2,168
Provision for loan and lease losses	$75,000	2,550
Total noninterest income	$401,000	2,532
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$245,000	1,736
Trading account gains and fees	$0	121
Additional Noninterest Income	$156,000	2,878
Total noninterest expense	$1,773,000	2,244
Salaries and employee benefits	$965,000	2,264
Premises and equipment expense	$239,000	2,409
Additional noninterest expense	$569,000	2,077
Pre-tax net operating income	$862,000	2,287
Securities gains (losses)	$10,000	2,045
Applicable income taxes	$199,000	2,588
Income before extraordinary items	$673,000	2,254
Extraordinary gains, net	$0	16
Net income	$673,000	2,255
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$190,000	847
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$665,300	2,196
2003-12-31 (YTD Data)		Rank
Total interest income	$13,090,000	2,174
Total interest expense	$4,063,000	2,187
Net interest income	$9,027,000	2,150
Provision for loan and lease losses	$700,000	1,617
Total noninterest income	$1,480,000	2,868
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$864,000	1,987
Trading account gains and fees	$0	160
Additional Noninterest Income	$616,000	3,206
Total noninterest expense	$6,776,000	2,316
Salaries and employee benefits	$3,688,000	2,301
Premises and equipment expense	$882,000	2,534
Additional noninterest expense	$2,206,000	2,187
Pre-tax net operating income	$3,031,000	2,486
Securities gains (losses)	$31,000	2,904
Applicable income taxes	$648,000	2,922
Income before extraordinary items	$2,414,000	2,445
Extraordinary gains, net	$0	54
Net income	$2,414,000	2,448
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$687,000	1,248
Cash dividends	$668,000	3,015
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,389,510	2,361
2003-09-30 (YTD Data)		Rank
Total interest income	$9,910,000	2,192
Total interest expense	$3,174,000	2,184
Net interest income	$6,736,000	2,175
Provision for loan and lease losses	$550,000	1,522
Total noninterest income	$1,062,000	3,010
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$610,000	2,113
Trading account gains and fees	$0	153
Additional Noninterest Income	$452,000	3,321
Total noninterest expense	$4,994,000	2,362
Salaries and employee benefits	$2,757,000	2,306
Premises and equipment expense	$646,000	2,592
Additional noninterest expense	$1,591,000	2,253
Pre-tax net operating income	$2,254,000	2,591
Securities gains (losses)	$22,000	2,902
Applicable income taxes	$503,000	3,016
Income before extraordinary items	$1,773,000	2,594
Extraordinary gains, net	$0	40
Net income	$1,773,000	2,592
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$486,000	1,191
Cash dividends	$320,000	3,374
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,755,840	2,483
2003-06-30 (YTD Data)		Rank
Total interest income	$6,662,000	2,188
Total interest expense	$2,187,000	2,183
Net interest income	$4,475,000	2,177
Provision for loan and lease losses	$400,000	1,388
Total noninterest income	$659,000	3,134
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$352,000	2,334
Trading account gains and fees	$0	150
Additional Noninterest Income	$307,000	3,249
Total noninterest expense	$3,270,000	2,396
Salaries and employee benefits	$1,824,000	2,318
Premises and equipment expense	$424,000	2,622
Additional noninterest expense	$1,022,000	2,321
Pre-tax net operating income	$1,464,000	2,650
Securities gains (losses)	$22,000	2,556
Applicable income taxes	$312,000	3,170
Income before extraordinary items	$1,174,000	2,627
Extraordinary gains, net	$0	30
Net income	$1,174,000	2,625
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$345,000	1,124
Cash dividends	$320,000	2,783
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,156,620	2,512
2003-03-31 (YTD Data)		Rank
Total interest income	$3,279,000	2,245
Total interest expense	$1,118,000	2,182
Net interest income	$2,161,000	2,249
Provision for loan and lease losses	$250,000	1,115
Total noninterest income	$331,000	3,030
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$181,000	2,214
Trading account gains and fees	$0	134
Additional Noninterest Income	$150,000	3,214
Total noninterest expense	$1,579,000	2,459
Salaries and employee benefits	$885,000	2,378
Premises and equipment expense	$204,000	2,714
Additional noninterest expense	$490,000	2,382
Pre-tax net operating income	$663,000	2,860
Securities gains (losses)	$17,000	1,982
Applicable income taxes	$143,000	3,302
Income before extraordinary items	$537,000	2,796
Extraordinary gains, net	$0	21
Net income	$537,000	2,793
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	1,025
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$523,570	2,710
2002-12-31 (YTD Data)		Rank
Total interest income	$13,708,000	2,246
Total interest expense	$5,694,000	1,991
Net interest income	$8,014,000	2,396
Provision for loan and lease losses	$1,208,000	1,124
Total noninterest income	$1,268,000	2,961
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$738,000	2,152
Trading account gains and fees	$0	153
Additional Noninterest Income	$530,000	3,182
Total noninterest expense	$5,924,000	2,492
Salaries and employee benefits	$3,119,000	2,528
Premises and equipment expense	$851,000	2,536
Additional noninterest expense	$1,954,000	2,357
Pre-tax net operating income	$2,150,000	3,266
Securities gains (losses)	$-1,000	8,656
Applicable income taxes	$366,000	4,070
Income before extraordinary items	$1,783,000	3,065
Extraordinary gains, net	$0	70
Net income	$1,783,000	3,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,176,000	829
Cash dividends	$623,000	3,091
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,783,830	2,968
2001-12-31 (YTD Data)		Rank
Total interest income	$14,936,000	2,290
Total interest expense	$7,482,000	2,146
Net interest income	$7,454,000	2,406
Provision for loan and lease losses	$390,000	2,674
Total noninterest income	$1,021,000	3,294
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$727,000	2,073
Trading account gains and fees	$0	177
Additional Noninterest Income	$294,000	4,159
Total noninterest expense	$5,485,000	2,583
Salaries and employee benefits	$2,845,000	2,639
Premises and equipment expense	$841,000	2,505
Additional noninterest expense	$1,799,000	2,476
Pre-tax net operating income	$2,600,000	2,593
Securities gains (losses)	$2,000	4,242
Applicable income taxes	$604,000	2,959
Income before extraordinary items	$1,998,000	2,542
Extraordinary gains, net	$0	105
Net income	$1,998,000	2,548
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$125,000	3,685
Cash dividends	$691,000	2,902
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,996,460	2,453
2000-12-31 (YTD Data)		Rank
Total interest income	$13,986,000	2,483
Total interest expense	$7,105,000	2,382
Net interest income	$6,881,000	2,585
Provision for loan and lease losses	$455,000	2,034
Total noninterest income	$1,162,000	2,830
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$486,000	2,762
Trading account gains and fees	$0	180
Additional Noninterest Income	$676,000	2,429
Total noninterest expense	$5,086,000	2,671
Salaries and employee benefits	$2,555,000	2,779
Premises and equipment expense	$773,000	2,658
Additional noninterest expense	$1,758,000	2,440
Pre-tax net operating income	$2,502,000	2,762
Securities gains (losses)	$16,000	1,014
Applicable income taxes	$611,000	3,062
Income before extraordinary items	$1,907,000	2,677
Extraordinary gains, net	$0	38
Net income	$1,907,000	2,676
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$237,000	2,131
Cash dividends	$583,000	3,286
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,894,840	2,688
1999-12-31 (YTD Data)		Rank
Total interest income	$11,263,000	2,871
Total interest expense	$5,330,000	2,743
Net interest income	$5,933,000	2,958
Provision for loan and lease losses	$345,000	2,386
Total noninterest income	$931,000	3,262
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$407,000	3,177
Trading account gains and fees	$0	173
Additional Noninterest Income	$524,000	2,870
Total noninterest expense	$4,702,000	2,875
Salaries and employee benefits	$2,197,000	3,146
Premises and equipment expense	$584,000	3,346
Additional noninterest expense	$1,921,000	2,275
Pre-tax net operating income	$1,817,000	3,588
Securities gains (losses)	$4,000	2,267
Applicable income taxes	$417,000	4,050
Income before extraordinary items	$1,404,000	3,415
Extraordinary gains, net	$0	35
Net income	$1,404,000	3,414
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	3,806
Cash dividends	$526,000	3,404
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,400,920	3,384
1998-12-31 (YTD Data)		Rank
Total interest income	$10,239,000	3,159
Total interest expense	$4,910,000	3,055
Net interest income	$5,329,000	3,216
Provision for loan and lease losses	$380,000	2,152
Total noninterest income	$769,000	3,729
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$376,000	3,301
Trading account gains and fees	$0	224
Additional Noninterest Income	$393,000	3,469
Total noninterest expense	$3,912,000	3,270
Salaries and employee benefits	$1,831,000	3,616
Premises and equipment expense	$460,000	3,932
Additional noninterest expense	$1,621,000	2,585
Pre-tax net operating income	$1,806,000	3,621
Securities gains (losses)	$8,000	3,124
Applicable income taxes	$453,000	4,112
Income before extraordinary items	$1,361,000	3,531
Extraordinary gains, net	$0	32
Net income	$1,361,000	3,531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$221,000	2,293
Cash dividends	$514,000	3,445
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,355,000	3,446
1997-12-31 (YTD Data)		Rank
Total interest income	$9,239,000	3,497
Total interest expense	$4,347,000	3,392
Net interest income	$4,892,000	3,562
Provision for loan and lease losses	$250,000	2,930
Total noninterest income	$537,000	4,756
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$337,000	3,729
Trading account gains and fees	$0	239
Additional Noninterest Income	$200,000	4,953
Total noninterest expense	$3,537,000	3,573
Salaries and employee benefits	$1,652,000	3,922
Premises and equipment expense	$435,000	4,157
Additional noninterest expense	$1,450,000	2,817
Pre-tax net operating income	$1,642,000	4,147
Securities gains (losses)	$-17,000	10,300
Applicable income taxes	$422,000	4,716
Income before extraordinary items	$1,203,000	4,046
Extraordinary gains, net	$0	44
Net income	$1,203,000	4,045
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,572
Cash dividends	$394,000	4,027
Sale, conversion, retirement of capital stock, net	$3,867,000	255
Net operating income	$1,215,580	3,934
1996-12-31 (YTD Data)		Rank
Total interest income	$8,398,000	3,853
Total interest expense	$4,122,000	3,605
Net interest income	$4,276,000	4,058
Provision for loan and lease losses	$169,000	3,833
Total noninterest income	$459,000	5,466
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$308,000	4,143
Trading account gains and fees	NA	NA
Additional Noninterest Income	$151,000	5,947
Total noninterest expense	$3,336,000	3,958
Salaries and employee benefits	$1,439,000	4,480
Premises and equipment expense	$453,000	4,093
Additional noninterest expense	$1,444,000	3,224
Pre-tax net operating income	$1,230,000	5,035
Securities gains (losses)	$17,000	2,110
Applicable income taxes	$300,000	5,830
Income before extraordinary items	$947,000	4,700
Extraordinary gains, net	$0	53
Net income	$947,000	4,701
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	4,511
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$934,080	4,695
1995-12-31 (YTD Data)		Rank
Total interest income	$7,073,000	4,515
Total interest expense	$3,316,000	4,353
Net interest income	$3,757,000	4,561
Provision for loan and lease losses	$153,000	3,586
Total noninterest income	$393,000	6,051
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$270,000	4,675
Trading account gains and fees	NA	NA
Additional Noninterest Income	$123,000	6,567
Total noninterest expense	$2,714,000	4,654
Salaries and employee benefits	$1,221,000	5,138
Premises and equipment expense	$385,000	4,687
Additional noninterest expense	$1,108,000	4,007
Pre-tax net operating income	$1,283,000	5,015
Securities gains (losses)	$3,000	3,092
Applicable income taxes	$349,000	5,456
Income before extraordinary items	$937,000	4,835
Extraordinary gains, net	$0	65
Net income	$937,000	4,834
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,829
Cash dividends	$272,000	4,783
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$934,810	4,841
1994-12-31 (YTD Data)		Rank
Total interest income	$5,881,000	4,953
Total interest expense	$2,505,000	4,650
Net interest income	$3,376,000	5,096
Provision for loan and lease losses	$164,000	3,426
Total noninterest income	$375,000	6,394
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$249,000	5,068
Trading account gains and fees	NA	NA
Additional Noninterest Income	$126,000	6,774
Total noninterest expense	$2,524,000	5,119
Salaries and employee benefits	$1,163,000	5,407
Premises and equipment expense	$392,000	4,663
Additional noninterest expense	$969,000	4,840
Pre-tax net operating income	$1,063,000	5,706
Securities gains (losses)	$-2,000	9,023
Applicable income taxes	$280,000	6,120
Income before extraordinary items	$781,000	5,455
Extraordinary gains, net	$0	249
Net income	$781,000	5,471
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,370
Cash dividends	$212,000	5,311
Sale, conversion, retirement of capital stock, net	$1,556,000	343
Net operating income	$782,480	5,523
1993-12-31 (YTD Data)		Rank
Total interest income	$5,396,000	5,423
Total interest expense	$2,416,000	4,976
Net interest income	$2,980,000	5,679
Provision for loan and lease losses	$138,000	4,876
Total noninterest income	$310,000	7,513
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$226,000	5,496
Trading account gains and fees	NA	NA
Additional Noninterest Income	$84,000	8,451
Total noninterest expense	$2,335,000	5,589
Salaries and employee benefits	$1,056,000	5,844
Premises and equipment expense	$354,000	5,176
Additional noninterest expense	$925,000	5,256
Pre-tax net operating income	$817,000	6,724
Securities gains (losses)	$37,000	3,837
Applicable income taxes	$214,000	7,358
Income before extraordinary items	$640,000	6,494
Extraordinary gains, net	$0	3,149
Net income	$640,000	6,656
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	6,769
Cash dividends	$180,000	5,679
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$612,250	6,437
1992-12-31 (YTD Data)		Rank
Total interest income	$5,172,000	6,211
Total interest expense	$2,494,000	6,009
Net interest income	$2,678,000	6,257
Provision for loan and lease losses	$188,000	5,392
Total noninterest income	$237,000	8,727
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$183,000	6,326
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	10,164
Total noninterest expense	$2,019,000	6,329
Salaries and employee benefits	$926,000	6,472
Premises and equipment expense	$281,000	6,265
Additional noninterest expense	$812,000	5,995
Pre-tax net operating income	$708,000	7,055
Securities gains (losses)	$19,000	5,661
Applicable income taxes	$196,000	7,643
Income before extraordinary items	$531,000	7,071
Extraordinary gains, net	$0	1,422
Net income	$531,000	7,165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	6,938
Cash dividends	$172,000	5,467
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$517,130	6,806

* 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.