Home > First Bank of Newton > Income and Expense

First Bank of Newton, Income and Expense

2019-09-30 (YTD Data)		Rank
Total interest income	$6,626,000	2,837
Total interest expense	$1,041,000	2,873
Net interest income	$5,585,000	2,785
Provision for loan and lease losses	$630,000	970
Total noninterest income	$766,000	2,812
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$304,000	2,217
Trading account gains and fees	NA	NA
Additional Noninterest Income	$462,000	2,812
Total noninterest expense	$4,780,000	2,613
Salaries and employee benefits	$2,400,000	2,831
Premises and equipment expense	$302,000	3,484
Additional noninterest expense	$2,078,000	2,060
Pre-tax net operating income	$941,000	3,710
Securities gains (losses)	$0	2,167
Applicable income taxes	$61,000	3,171
Income before extraordinary items	$880,000	3,681
Extraordinary gains, net	$0	11
Net income	$880,000	3,680
Minority interest net income	$0	72
Net income of bank and minority interests.	$880,000	3,681
Net charge-offs	$212,000	1,255
Cash dividends	$886,000	1,956
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$880,000	3,647
2019-06-30 (YTD Data)		Rank
Total interest income	$4,297,000	2,887
Total interest expense	$674,000	2,896
Net interest income	$3,623,000	2,835
Provision for loan and lease losses	$350,000	1,094
Total noninterest income	$508,000	2,787
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$208,000	2,160
Trading account gains and fees	NA	NA
Additional Noninterest Income	$300,000	2,807
Total noninterest expense	$2,895,000	2,794
Salaries and employee benefits	$1,573,000	2,876
Premises and equipment expense	$244,000	3,169
Additional noninterest expense	$1,078,000	2,455
Pre-tax net operating income	$886,000	3,259
Securities gains (losses)	$0	1,702
Applicable income taxes	$-6,000	5,155
Income before extraordinary items	$892,000	3,105
Extraordinary gains, net	$0	11
Net income	$892,000	3,103
Minority interest net income	$0	69
Net income of bank and minority interests.	$892,000	3,103
Net charge-offs	$154,000	1,145
Cash dividends	$523,000	2,067
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$892,000	3,076
2019-03-31 (YTD Data)		Rank
Total interest income	$2,070,000	2,962
Total interest expense	$317,000	2,955
Net interest income	$1,753,000	2,918
Provision for loan and lease losses	$125,000	1,307
Total noninterest income	$258,000	2,707
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$101,000	2,189
Trading account gains and fees	NA	NA
Additional Noninterest Income	$157,000	2,705
Total noninterest expense	$1,422,000	2,833
Salaries and employee benefits	$779,000	2,907
Premises and equipment expense	$122,000	3,208
Additional noninterest expense	$521,000	2,511
Pre-tax net operating income	$464,000	3,171
Securities gains (losses)	$0	1,087
Applicable income taxes	$-33,000	5,253
Income before extraordinary items	$497,000	2,898
Extraordinary gains, net	$0	5
Net income	$497,000	2,896
Minority interest net income	$0	52
Net income of bank and minority interests.	$497,000	2,897
Net charge-offs	$46,000	1,257
Cash dividends	$250,000	1,856
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$497,000	2,885
2018-12-31 (YTD Data)		Rank
Total interest income	$8,202,000	2,893
Total interest expense	$1,059,000	2,852
Net interest income	$7,143,000	2,854
Provision for loan and lease losses	$150,000	2,622
Total noninterest income	$975,000	2,889
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$452,000	2,139
Trading account gains and fees	NA	NA
Additional Noninterest Income	$523,000	3,006
Total noninterest expense	$5,578,000	2,840
Salaries and employee benefits	$3,080,000	2,911
Premises and equipment expense	$490,000	3,183
Additional noninterest expense	$2,008,000	2,587
Pre-tax net operating income	$2,390,000	2,852
Securities gains (losses)	$0	1,125
Applicable income taxes	$106,000	3,061
Income before extraordinary items	$2,284,000	2,735
Extraordinary gains, net	$0	6
Net income	$2,284,000	2,733
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,284,000	2,734
Net charge-offs	$158,000	1,823
Cash dividends	$1,275,000	1,940
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,284,000	2,723
2018-09-30 (YTD Data)		Rank
Total interest income	$6,089,000	2,916
Total interest expense	$768,000	2,817
Net interest income	$5,321,000	2,884
Provision for loan and lease losses	$150,000	2,253
Total noninterest income	$745,000	2,904
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$333,000	2,170
Trading account gains and fees	NA	NA
Additional Noninterest Income	$412,000	2,998
Total noninterest expense	$4,184,000	2,852
Salaries and employee benefits	$2,388,000	2,853
Premises and equipment expense	$358,000	3,273
Additional noninterest expense	$1,438,000	2,678
Pre-tax net operating income	$1,732,000	2,976
Securities gains (losses)	$0	1,118
Applicable income taxes	$82,000	3,112
Income before extraordinary items	$1,650,000	2,846
Extraordinary gains, net	$0	5
Net income	$1,650,000	2,845
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,650,000	2,845
Net charge-offs	$105,000	1,700
Cash dividends	$724,000	2,008
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,650,000	2,838
2018-06-30 (YTD Data)		Rank
Total interest income	$4,017,000	2,924
Total interest expense	$497,000	2,803
Net interest income	$3,520,000	2,905
Provision for loan and lease losses	$25,000	3,264
Total noninterest income	$478,000	2,942
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$196,000	2,327
Trading account gains and fees	NA	NA
Additional Noninterest Income	$282,000	2,967
Total noninterest expense	$2,830,000	2,854
Salaries and employee benefits	$1,598,000	2,879
Premises and equipment expense	$235,000	3,320
Additional noninterest expense	$997,000	2,624
Pre-tax net operating income	$1,143,000	2,956
Securities gains (losses)	$0	961
Applicable income taxes	$58,000	3,062
Income before extraordinary items	$1,085,000	2,838
Extraordinary gains, net	$0	6
Net income	$1,085,000	2,838
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,085,000	2,837
Net charge-offs	$20,000	2,256
Cash dividends	$475,000	2,074
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,085,000	2,829
2018-03-31 (YTD Data)		Rank
Total interest income	$1,993,000	2,938
Total interest expense	$229,000	2,871
Net interest income	$1,764,000	2,918
Provision for loan and lease losses	$25,000	2,657
Total noninterest income	$262,000	2,798
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$98,000	2,334
Trading account gains and fees	NA	NA
Additional Noninterest Income	$164,000	2,722
Total noninterest expense	$1,448,000	2,844
Salaries and employee benefits	$797,000	2,916
Premises and equipment expense	$115,000	3,407
Additional noninterest expense	$536,000	2,502
Pre-tax net operating income	$553,000	2,952
Securities gains (losses)	$0	735
Applicable income taxes	$33,000	2,965
Income before extraordinary items	$520,000	2,833
Extraordinary gains, net	$0	7
Net income	$520,000	2,833
Minority interest net income	$0	52
Net income of bank and minority interests.	$520,000	2,833
Net charge-offs	$8,000	2,040
Cash dividends	$225,000	1,815
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$520,000	2,823
2017-12-31 (YTD Data)		Rank
Total interest income	$7,848,000	2,911
Total interest expense	$497,000	3,679
Net interest income	$7,351,000	2,795
Provision for loan and lease losses	$400,000	1,645
Total noninterest income	$1,049,000	2,881
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$413,000	2,345
Trading account gains and fees	NA	NA
Additional Noninterest Income	$636,000	2,850
Total noninterest expense	$5,544,000	2,921
Salaries and employee benefits	$3,016,000	2,970
Premises and equipment expense	$463,000	3,403
Additional noninterest expense	$2,065,000	2,594
Pre-tax net operating income	$2,456,000	2,769
Securities gains (losses)	$0	2,243
Applicable income taxes	$115,000	3,227
Income before extraordinary items	$2,341,000	2,428
Extraordinary gains, net	$0	9
Net income	$2,341,000	2,428
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,341,000	2,428
Net charge-offs	$249,000	1,639
Cash dividends	$1,250,000	1,922
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,341,000	2,414
2017-09-30 (YTD Data)		Rank
Total interest income	$5,836,000	2,938
Total interest expense	$362,000	3,741
Net interest income	$5,474,000	2,828
Provision for loan and lease losses	$325,000	1,540
Total noninterest income	$772,000	2,923
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$311,000	2,345
Trading account gains and fees	NA	NA
Additional Noninterest Income	$461,000	2,916
Total noninterest expense	$4,119,000	2,962
Salaries and employee benefits	$2,294,000	2,962
Premises and equipment expense	$353,000	3,403
Additional noninterest expense	$1,472,000	2,695
Pre-tax net operating income	$1,802,000	2,872
Securities gains (losses)	$0	2,274
Applicable income taxes	$90,000	3,203
Income before extraordinary items	$1,712,000	2,650
Extraordinary gains, net	$0	9
Net income	$1,712,000	2,650
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,712,000	2,650
Net charge-offs	$189,000	1,443
Cash dividends	$700,000	2,066
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,712,000	2,629
2017-06-30 (YTD Data)		Rank
Total interest income	$3,865,000	2,944
Total interest expense	$241,000	3,722
Net interest income	$3,624,000	2,841
Provision for loan and lease losses	$250,000	1,362
Total noninterest income	$541,000	2,858
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$199,000	2,402
Trading account gains and fees	NA	NA
Additional Noninterest Income	$342,000	2,782
Total noninterest expense	$2,729,000	2,987
Salaries and employee benefits	$1,512,000	3,003
Premises and equipment expense	$235,000	3,431
Additional noninterest expense	$982,000	2,703
Pre-tax net operating income	$1,186,000	2,858
Securities gains (losses)	$0	1,906
Applicable income taxes	$66,000	3,168
Income before extraordinary items	$1,120,000	2,633
Extraordinary gains, net	$0	11
Net income	$1,120,000	2,632
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,120,000	2,633
Net charge-offs	$146,000	1,264
Cash dividends	$450,000	2,132
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,120,000	2,617
2017-03-31 (YTD Data)		Rank
Total interest income	$1,910,000	2,967
Total interest expense	$123,000	3,677
Net interest income	$1,787,000	2,866
Provision for loan and lease losses	$100,000	1,432
Total noninterest income	$259,000	2,906
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$95,000	2,474
Trading account gains and fees	NA	NA
Additional Noninterest Income	$164,000	2,829
Total noninterest expense	$1,348,000	3,028
Salaries and employee benefits	$750,000	3,061
Premises and equipment expense	$125,000	3,339
Additional noninterest expense	$473,000	2,781
Pre-tax net operating income	$598,000	2,812
Securities gains (losses)	$0	1,153
Applicable income taxes	$42,000	2,995
Income before extraordinary items	$556,000	2,595
Extraordinary gains, net	$0	8
Net income	$556,000	2,595
Minority interest net income	$0	55
Net income of bank and minority interests.	$556,000	2,595
Net charge-offs	$77,000	1,067
Cash dividends	$225,000	1,877
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$556,000	2,572
2016-12-31 (YTD Data)		Rank
Total interest income	$7,484,000	2,992
Total interest expense	$452,000	3,819
Net interest income	$7,032,000	2,868
Provision for loan and lease losses	$400,000	1,679
Total noninterest income	$1,019,000	3,016
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$361,000	2,629
Trading account gains and fees	$0	170
Additional Noninterest Income	$658,000	2,918
Total noninterest expense	$5,431,000	3,032
Salaries and employee benefits	$2,953,000	3,047
Premises and equipment expense	$441,000	3,608
Additional noninterest expense	$2,037,000	2,723
Pre-tax net operating income	$2,220,000	2,883
Securities gains (losses)	$0	3,212
Applicable income taxes	$77,000	3,434
Income before extraordinary items	$2,143,000	2,673
Extraordinary gains, net	$0	5
Net income	$2,143,000	2,671
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,143,000	2,672
Net charge-offs	$245,000	1,734
Cash dividends	$1,040,000	2,150
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,143,000	2,619
2016-09-30 (YTD Data)		Rank
Total interest income	$5,550,000	3,017
Total interest expense	$332,000	3,879
Net interest income	$5,218,000	2,905
Provision for loan and lease losses	$275,000	1,711
Total noninterest income	$743,000	3,056
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$266,000	2,681
Trading account gains and fees	$0	169
Additional Noninterest Income	$477,000	2,956
Total noninterest expense	$4,022,000	3,051
Salaries and employee benefits	$2,213,000	3,058
Premises and equipment expense	$331,000	3,619
Additional noninterest expense	$1,478,000	2,782
Pre-tax net operating income	$1,664,000	2,934
Securities gains (losses)	$0	3,160
Applicable income taxes	$58,000	3,503
Income before extraordinary items	$1,606,000	2,707
Extraordinary gains, net	$0	5
Net income	$1,606,000	2,707
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,606,000	2,707
Net charge-offs	$171,000	1,580
Cash dividends	$815,000	1,861
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,606,000	2,651
2016-06-30 (YTD Data)		Rank
Total interest income	$3,638,000	3,062
Total interest expense	$218,000	3,915
Net interest income	$3,420,000	2,945
Provision for loan and lease losses	$150,000	1,887
Total noninterest income	$481,000	3,096
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$165,000	2,782
Trading account gains and fees	$0	157
Additional Noninterest Income	$316,000	2,955
Total noninterest expense	$2,652,000	3,084
Salaries and employee benefits	$1,462,000	3,098
Premises and equipment expense	$219,000	3,660
Additional noninterest expense	$971,000	2,817
Pre-tax net operating income	$1,099,000	2,905
Securities gains (losses)	$0	2,835
Applicable income taxes	$33,000	3,595
Income before extraordinary items	$1,066,000	2,695
Extraordinary gains, net	$0	16
Net income	$1,066,000	2,694
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,066,000	2,694
Net charge-offs	$13,000	2,989
Cash dividends	$590,000	1,804
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,066,000	2,624
2016-03-31 (YTD Data)		Rank
Total interest income	$1,797,000	3,099
Total interest expense	$108,000	3,955
Net interest income	$1,689,000	2,987
Provision for loan and lease losses	$75,000	1,741
Total noninterest income	$230,000	3,146
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$83,000	2,745
Trading account gains and fees	$0	142
Additional Noninterest Income	$147,000	3,007
Total noninterest expense	$1,326,000	3,106
Salaries and employee benefits	$735,000	3,111
Premises and equipment expense	$108,000	3,715
Additional noninterest expense	$483,000	2,835
Pre-tax net operating income	$518,000	2,979
Securities gains (losses)	$0	2,077
Applicable income taxes	$15,000	3,602
Income before extraordinary items	$503,000	2,746
Extraordinary gains, net	$0	12
Net income	$503,000	2,745
Minority interest net income	$0	62
Net income of bank and minority interests.	$503,000	2,746
Net charge-offs	$19,000	2,012
Cash dividends	$365,000	1,453
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$503,000	2,693
2015-12-31 (YTD Data)		Rank
Total interest income	$6,912,000	3,138
Total interest expense	$429,000	4,018
Net interest income	$6,483,000	3,038
Provision for loan and lease losses	$250,000	2,084
Total noninterest income	$993,000	3,074
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$330,000	2,851
Trading account gains and fees	$0	159
Additional Noninterest Income	$663,000	2,908
Total noninterest expense	$5,236,000	3,120
Salaries and employee benefits	$2,958,000	3,057
Premises and equipment expense	$431,000	3,758
Additional noninterest expense	$1,847,000	2,959
Pre-tax net operating income	$1,990,000	3,020
Securities gains (losses)	$0	3,216
Applicable income taxes	$90,000	3,376
Income before extraordinary items	$1,900,000	2,825
Extraordinary gains, net	$0	23
Net income	$1,900,000	2,827
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,900,000	2,828
Net charge-offs	$143,000	2,304
Cash dividends	$601,000	2,720
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,900,000	2,773
2015-09-30 (YTD Data)		Rank
Total interest income	$5,141,000	3,185
Total interest expense	$319,000	4,089
Net interest income	$4,822,000	3,072
Provision for loan and lease losses	$125,000	2,466
Total noninterest income	$681,000	3,244
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$244,000	2,890
Trading account gains and fees	$0	153
Additional Noninterest Income	$437,000	3,084
Total noninterest expense	$3,933,000	3,140
Salaries and employee benefits	$2,228,000	3,083
Premises and equipment expense	$327,000	3,793
Additional noninterest expense	$1,378,000	2,975
Pre-tax net operating income	$1,445,000	3,147
Securities gains (losses)	$0	3,031
Applicable income taxes	$34,000	3,786
Income before extraordinary items	$1,411,000	2,882
Extraordinary gains, net	$0	21
Net income	$1,411,000	2,881
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,411,000	2,883
Net charge-offs	$-2,000	4,778
Cash dividends	$451,000	2,424
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,411,000	2,824
2015-06-30 (YTD Data)		Rank
Total interest income	$3,356,000	3,247
Total interest expense	$211,000	4,144
Net interest income	$3,145,000	3,107
Provision for loan and lease losses	$75,000	2,511
Total noninterest income	$450,000	3,268
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$155,000	2,962
Trading account gains and fees	$0	157
Additional Noninterest Income	$295,000	3,080
Total noninterest expense	$2,624,000	3,165
Salaries and employee benefits	$1,494,000	3,086
Premises and equipment expense	$218,000	3,819
Additional noninterest expense	$912,000	3,012
Pre-tax net operating income	$896,000	3,265
Securities gains (losses)	$0	2,636
Applicable income taxes	$19,000	3,871
Income before extraordinary items	$877,000	2,997
Extraordinary gains, net	$0	22
Net income	$877,000	2,997
Minority interest net income	$0	75
Net income of bank and minority interests.	$877,000	2,999
Net charge-offs	$1,000	3,770
Cash dividends	$301,000	2,400
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$877,000	2,936
2015-03-31 (YTD Data)		Rank
Total interest income	$1,609,000	3,343
Total interest expense	$105,000	4,202
Net interest income	$1,504,000	3,212
Provision for loan and lease losses	$50,000	2,062
Total noninterest income	$222,000	3,242
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$77,000	2,944
Trading account gains and fees	$0	152
Additional Noninterest Income	$145,000	3,070
Total noninterest expense	$1,244,000	3,297
Salaries and employee benefits	$733,000	3,142
Premises and equipment expense	$104,000	3,947
Additional noninterest expense	$407,000	3,258
Pre-tax net operating income	$432,000	3,262
Securities gains (losses)	$0	2,027
Applicable income taxes	$11,000	3,796
Income before extraordinary items	$421,000	3,033
Extraordinary gains, net	$0	13
Net income	$421,000	3,036
Minority interest net income	$0	64
Net income of bank and minority interests.	$421,000	3,036
Net charge-offs	$0	3,288
Cash dividends	$151,000	2,036
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$421,000	2,971
2014-12-31 (YTD Data)		Rank
Total interest income	$6,359,000	3,393
Total interest expense	$494,000	4,037
Net interest income	$5,865,000	3,308
Provision for loan and lease losses	$275,000	2,095
Total noninterest income	$968,000	3,164
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$373,000	2,799
Trading account gains and fees	$0	180
Additional Noninterest Income	$595,000	3,033
Total noninterest expense	$4,968,000	3,327
Salaries and employee benefits	$2,775,000	3,244
Premises and equipment expense	$409,000	4,045
Additional noninterest expense	$1,784,000	3,135
Pre-tax net operating income	$1,590,000	3,368
Securities gains (losses)	$0	3,259
Applicable income taxes	$60,000	3,639
Income before extraordinary items	$1,530,000	3,212
Extraordinary gains, net	$0	17
Net income	$1,530,000	3,212
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,530,000	3,213
Net charge-offs	$295,000	2,035
Cash dividends	$600,000	2,623
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,530,000	3,154
2014-09-30 (YTD Data)		Rank
Total interest income	$4,726,000	3,439
Total interest expense	$385,000	4,027
Net interest income	$4,341,000	3,361
Provision for loan and lease losses	$250,000	1,804
Total noninterest income	$705,000	3,232
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$279,000	2,846
Trading account gains and fees	$0	174
Additional Noninterest Income	$426,000	3,141
Total noninterest expense	$3,688,000	3,374
Salaries and employee benefits	$2,102,000	3,250
Premises and equipment expense	$283,000	4,266
Additional noninterest expense	$1,303,000	3,199
Pre-tax net operating income	$1,108,000	3,593
Securities gains (losses)	$0	2,980
Applicable income taxes	$56,000	3,610
Income before extraordinary items	$1,052,000	3,396
Extraordinary gains, net	$0	15
Net income	$1,052,000	3,397
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,052,000	3,397
Net charge-offs	$311,000	1,574
Cash dividends	$450,000	2,316
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,052,000	3,355
2014-06-30 (YTD Data)		Rank
Total interest income	$3,106,000	3,477
Total interest expense	$263,000	4,019
Net interest income	$2,843,000	3,394
Provision for loan and lease losses	$150,000	1,864
Total noninterest income	$483,000	3,173
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$184,000	2,860
Trading account gains and fees	$0	172
Additional Noninterest Income	$299,000	3,045
Total noninterest expense	$2,440,000	3,414
Salaries and employee benefits	$1,397,000	3,274
Premises and equipment expense	$183,000	4,368
Additional noninterest expense	$860,000	3,238
Pre-tax net operating income	$736,000	3,526
Securities gains (losses)	$0	2,580
Applicable income taxes	$36,000	3,607
Income before extraordinary items	$700,000	3,338
Extraordinary gains, net	$0	20
Net income	$700,000	3,344
Minority interest net income	$0	80
Net income of bank and minority interests.	$700,000	3,344
Net charge-offs	$133,000	1,949
Cash dividends	$300,000	2,325
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$700,000	3,298
2014-03-31 (YTD Data)		Rank
Total interest income	$1,526,000	3,543
Total interest expense	$136,000	4,004
Net interest income	$1,390,000	3,459
Provision for loan and lease losses	$50,000	2,211
Total noninterest income	$220,000	3,297
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$96,000	2,751
Trading account gains and fees	$0	147
Additional Noninterest Income	$124,000	3,255
Total noninterest expense	$1,211,000	3,459
Salaries and employee benefits	$700,000	3,281
Premises and equipment expense	$88,000	4,508
Additional noninterest expense	$423,000	3,281
Pre-tax net operating income	$349,000	3,556
Securities gains (losses)	$0	1,715
Applicable income taxes	$17,000	3,595
Income before extraordinary items	$332,000	3,362
Extraordinary gains, net	$0	16
Net income	$332,000	3,365
Minority interest net income	$0	66
Net income of bank and minority interests.	$332,000	3,365
Net charge-offs	$53,000	1,827
Cash dividends	$150,000	1,960
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$332,000	3,320
2013-12-31 (YTD Data)		Rank
Total interest income	$6,222,000	3,536
Total interest expense	$565,000	4,204
Net interest income	$5,657,000	3,402
Provision for loan and lease losses	$325,000	2,344
Total noninterest income	$912,000	3,376
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$378,000	2,941
Trading account gains and fees	$0	184
Additional Noninterest Income	$534,000	3,267
Total noninterest expense	$4,624,000	3,592
Salaries and employee benefits	$2,670,000	3,376
Premises and equipment expense	$349,000	4,518
Additional noninterest expense	$1,605,000	3,478
Pre-tax net operating income	$1,620,000	3,260
Securities gains (losses)	$0	3,182
Applicable income taxes	$90,000	3,472
Income before extraordinary items	$1,530,000	3,121
Extraordinary gains, net	$0	29
Net income	$1,530,000	3,123
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,530,000	3,124
Net charge-offs	$302,000	2,578
Cash dividends	$609,000	2,524
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,530,000	3,058
2013-09-30 (YTD Data)		Rank
Total interest income	$4,637,000	3,577
Total interest expense	$418,000	4,320
Net interest income	$4,219,000	3,436
Provision for loan and lease losses	$225,000	2,403
Total noninterest income	$664,000	3,493
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$282,000	2,958
Trading account gains and fees	$0	180
Additional Noninterest Income	$382,000	3,388
Total noninterest expense	$3,366,000	3,666
Salaries and employee benefits	$1,978,000	3,418
Premises and equipment expense	$257,000	4,587
Additional noninterest expense	$1,131,000	3,641
Pre-tax net operating income	$1,292,000	3,212
Securities gains (losses)	$0	3,040
Applicable income taxes	$80,000	3,446
Income before extraordinary items	$1,212,000	3,062
Extraordinary gains, net	$0	25
Net income	$1,212,000	3,066
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,212,000	3,066
Net charge-offs	$230,000	2,413
Cash dividends	$464,000	2,171
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,212,000	2,985
2013-06-30 (YTD Data)		Rank
Total interest income	$3,083,000	3,589
Total interest expense	$279,000	4,375
Net interest income	$2,804,000	3,447
Provision for loan and lease losses	$150,000	2,434
Total noninterest income	$431,000	3,578
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$182,000	2,997
Trading account gains and fees	$0	157
Additional Noninterest Income	$249,000	3,452
Total noninterest expense	$2,182,000	3,749
Salaries and employee benefits	$1,307,000	3,457
Premises and equipment expense	$158,000	4,772
Additional noninterest expense	$717,000	3,769
Pre-tax net operating income	$903,000	3,088
Securities gains (losses)	$0	2,791
Applicable income taxes	$56,000	3,441
Income before extraordinary items	$847,000	2,950
Extraordinary gains, net	$0	22
Net income	$847,000	2,952
Minority interest net income	$0	82
Net income of bank and minority interests.	$847,000	2,953
Net charge-offs	$219,000	2,009
Cash dividends	$303,000	2,166
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$847,000	2,862
2013-03-31 (YTD Data)		Rank
Total interest income	$1,533,000	3,638
Total interest expense	$142,000	4,431
Net interest income	$1,391,000	3,479
Provision for loan and lease losses	$75,000	2,354
Total noninterest income	$218,000	3,512
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$91,000	2,971
Trading account gains and fees	$0	148
Additional Noninterest Income	$127,000	3,408
Total noninterest expense	$1,075,000	3,818
Salaries and employee benefits	$646,000	3,528
Premises and equipment expense	$80,000	4,789
Additional noninterest expense	$349,000	3,849
Pre-tax net operating income	$459,000	3,031
Securities gains (losses)	$0	1,966
Applicable income taxes	$33,000	3,291
Income before extraordinary items	$426,000	2,915
Extraordinary gains, net	$0	10
Net income	$426,000	2,915
Minority interest net income	$0	76
Net income of bank and minority interests.	$426,000	2,917
Net charge-offs	$-13,000	6,296
Cash dividends	$153,000	1,783
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$426,000	2,823
2012-12-31 (YTD Data)		Rank
Total interest income	$6,679,000	3,558
Total interest expense	$709,000	4,378
Net interest income	$5,970,000	3,389
Provision for loan and lease losses	$500,000	2,712
Total noninterest income	$1,010,000	3,244
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$381,000	3,033
Trading account gains and fees	$0	166
Additional Noninterest Income	$629,000	3,038
Total noninterest expense	$4,442,000	3,759
Salaries and employee benefits	$2,474,000	3,600
Premises and equipment expense	$358,000	4,552
Additional noninterest expense	$1,610,000	3,611
Pre-tax net operating income	$2,038,000	2,777
Securities gains (losses)	$0	3,810
Applicable income taxes	$64,000	3,773
Income before extraordinary items	$1,974,000	2,606
Extraordinary gains, net	$0	29
Net income	$1,974,000	2,609
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,974,000	2,607
Net charge-offs	$326,000	3,201
Cash dividends	$720,000	2,350
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,974,000	2,487
2012-09-30 (YTD Data)		Rank
Total interest income	$4,999,000	3,634
Total interest expense	$550,000	4,425
Net interest income	$4,449,000	3,455
Provision for loan and lease losses	$350,000	2,768
Total noninterest income	$774,000	3,216
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$284,000	3,073
Trading account gains and fees	$0	157
Additional Noninterest Income	$490,000	2,988
Total noninterest expense	$3,291,000	3,824
Salaries and employee benefits	$1,829,000	3,652
Premises and equipment expense	$254,000	4,756
Additional noninterest expense	$1,208,000	3,644
Pre-tax net operating income	$1,582,000	2,786
Securities gains (losses)	$0	3,575
Applicable income taxes	$56,000	3,734
Income before extraordinary items	$1,526,000	2,607
Extraordinary gains, net	$0	20
Net income	$1,526,000	2,608
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,526,000	2,608
Net charge-offs	$-24,000	6,786
Cash dividends	$510,000	2,009
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,526,000	2,484
2012-06-30 (YTD Data)		Rank
Total interest income	$3,371,000	3,632
Total interest expense	$380,000	4,447
Net interest income	$2,991,000	3,443
Provision for loan and lease losses	$275,000	2,557
Total noninterest income	$557,000	3,046
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$187,000	3,083
Trading account gains and fees	$0	153
Additional Noninterest Income	$370,000	2,755
Total noninterest expense	$2,149,000	3,890
Salaries and employee benefits	$1,211,000	3,684
Premises and equipment expense	$166,000	4,821
Additional noninterest expense	$772,000	3,755
Pre-tax net operating income	$1,124,000	2,635
Securities gains (losses)	$0	3,178
Applicable income taxes	$34,000	3,757
Income before extraordinary items	$1,090,000	2,451
Extraordinary gains, net	$0	19
Net income	$1,090,000	2,451
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,090,000	2,451
Net charge-offs	$-16,000	6,748
Cash dividends	$360,000	1,952
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,090,000	2,320
2012-03-31 (YTD Data)		Rank
Total interest income	$1,682,000	3,675
Total interest expense	$196,000	4,498
Net interest income	$1,486,000	3,484
Provision for loan and lease losses	$125,000	2,605
Total noninterest income	$344,000	2,705
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$94,000	3,073
Trading account gains and fees	$0	148
Additional Noninterest Income	$250,000	2,341
Total noninterest expense	$1,069,000	3,918
Salaries and employee benefits	$607,000	3,704
Premises and equipment expense	$100,000	4,398
Additional noninterest expense	$362,000	3,888
Pre-tax net operating income	$636,000	2,426
Securities gains (losses)	$0	2,210
Applicable income taxes	$11,000	3,958
Income before extraordinary items	$625,000	2,177
Extraordinary gains, net	$0	19
Net income	$625,000	2,178
Minority interest net income	$0	78
Net income of bank and minority interests.	$625,000	2,179
Net charge-offs	$-15,000	6,792
Cash dividends	$210,000	1,542
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$625,000	2,079
2011-12-31 (YTD Data)		Rank
Total interest income	$6,635,000	3,813
Total interest expense	$948,000	4,531
Net interest income	$5,687,000	3,608
Provision for loan and lease losses	$525,000	3,390
Total noninterest income	$943,000	3,217
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$464,000	2,729
Trading account gains and fees	$0	146
Additional Noninterest Income	$479,000	3,185
Total noninterest expense	$4,422,000	3,845
Salaries and employee benefits	$2,399,000	3,681
Premises and equipment expense	$352,000	4,850
Additional noninterest expense	$1,671,000	3,589
Pre-tax net operating income	$1,683,000	2,834
Securities gains (losses)	$0	3,838
Applicable income taxes	$112,000	3,306
Income before extraordinary items	$1,571,000	2,686
Extraordinary gains, net	$0	29
Net income	$1,571,000	2,687
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,571,000	2,687
Net charge-offs	$190,000	4,347
Cash dividends	$700,000	2,035
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,571,000	2,602
2011-09-30 (YTD Data)		Rank
Total interest income	$4,941,000	3,861
Total interest expense	$739,000	4,549
Net interest income	$4,202,000	3,661
Provision for loan and lease losses	$375,000	3,310
Total noninterest income	$706,000	3,243
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$360,000	2,675
Trading account gains and fees	$0	145
Additional Noninterest Income	$346,000	3,245
Total noninterest expense	$3,256,000	3,902
Salaries and employee benefits	$1,802,000	3,670
Premises and equipment expense	$264,000	4,926
Additional noninterest expense	$1,190,000	3,712
Pre-tax net operating income	$1,277,000	2,884
Securities gains (losses)	$0	3,555
Applicable income taxes	$89,000	3,293
Income before extraordinary items	$1,188,000	2,738
Extraordinary gains, net	$0	21
Net income	$1,188,000	2,740
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,188,000	2,740
Net charge-offs	$2,000	6,068
Cash dividends	$550,000	1,703
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,188,000	2,648
2011-06-30 (YTD Data)		Rank
Total interest income	$3,270,000	3,912
Total interest expense	$504,000	4,606
Net interest income	$2,766,000	3,693
Provision for loan and lease losses	$250,000	3,239
Total noninterest income	$465,000	3,254
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$238,000	2,676
Trading account gains and fees	$0	153
Additional Noninterest Income	$227,000	3,299
Total noninterest expense	$2,187,000	3,932
Salaries and employee benefits	$1,203,000	3,698
Premises and equipment expense	$177,000	4,945
Additional noninterest expense	$807,000	3,723
Pre-tax net operating income	$794,000	2,958
Securities gains (losses)	$0	2,914
Applicable income taxes	$67,000	3,157
Income before extraordinary items	$727,000	2,845
Extraordinary gains, net	$0	15
Net income	$727,000	2,847
Minority interest net income	$0	89
Net income of bank and minority interests.	$727,000	2,847
Net charge-offs	$1,000	5,777
Cash dividends	$400,000	1,605
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$727,000	2,762
2011-03-31 (YTD Data)		Rank
Total interest income	$1,627,000	3,955
Total interest expense	$254,000	4,715
Net interest income	$1,373,000	3,700
Provision for loan and lease losses	$100,000	3,337
Total noninterest income	$227,000	3,340
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$121,000	2,598
Trading account gains and fees	$0	158
Additional Noninterest Income	$106,000	3,467
Total noninterest expense	$1,073,000	4,005
Salaries and employee benefits	$603,000	3,710
Premises and equipment expense	$90,000	4,962
Additional noninterest expense	$380,000	3,859
Pre-tax net operating income	$427,000	2,841
Securities gains (losses)	$0	1,772
Applicable income taxes	$39,000	3,012
Income before extraordinary items	$388,000	2,742
Extraordinary gains, net	$0	9
Net income	$388,000	2,741
Minority interest net income	$0	86
Net income of bank and minority interests.	$388,000	2,742
Net charge-offs	$-2,000	6,441
Cash dividends	$250,000	1,233
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$388,000	2,676
2010-12-31 (YTD Data)		Rank
Total interest income	$6,999,000	3,901
Total interest expense	$1,243,000	4,726
Net interest income	$5,756,000	3,581
Provision for loan and lease losses	$400,000	4,443
Total noninterest income	$895,000	3,427
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$470,000	2,756
Trading account gains and fees	$0	175
Additional Noninterest Income	$425,000	3,421
Total noninterest expense	$4,312,000	4,006
Salaries and employee benefits	$2,380,000	3,723
Premises and equipment expense	$350,000	5,058
Additional noninterest expense	$1,582,000	3,859
Pre-tax net operating income	$1,939,000	2,293
Securities gains (losses)	$0	3,793
Applicable income taxes	$77,000	3,403
Income before extraordinary items	$1,862,000	2,147
Extraordinary gains, net	$0	29
Net income	$1,862,000	2,148
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,862,000	2,149
Net charge-offs	$152,000	5,039
Cash dividends	$1,010,000	1,450
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,862,000	2,062
2010-09-30 (YTD Data)		Rank
Total interest income	$5,258,000	3,979
Total interest expense	$965,000	4,791
Net interest income	$4,293,000	3,648
Provision for loan and lease losses	$120,000	5,511
Total noninterest income	$636,000	3,571
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$334,000	2,940
Trading account gains and fees	$0	165
Additional Noninterest Income	$302,000	3,547
Total noninterest expense	$3,270,000	3,980
Salaries and employee benefits	$1,807,000	3,729
Premises and equipment expense	$242,000	5,319
Additional noninterest expense	$1,221,000	3,759
Pre-tax net operating income	$1,539,000	2,325
Securities gains (losses)	$0	3,651
Applicable income taxes	$63,000	3,431
Income before extraordinary items	$1,476,000	2,173
Extraordinary gains, net	$0	23
Net income	$1,476,000	2,174
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,476,000	2,176
Net charge-offs	$41,000	5,650
Cash dividends	$760,000	1,304
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,476,000	2,080
2010-06-30 (YTD Data)		Rank
Total interest income	$3,439,000	4,070
Total interest expense	$664,000	4,828
Net interest income	$2,775,000	3,736
Provision for loan and lease losses	$40,000	5,994
Total noninterest income	$403,000	3,621
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$201,000	3,153
Trading account gains and fees	$0	152
Additional Noninterest Income	$202,000	3,492
Total noninterest expense	$2,151,000	4,030
Salaries and employee benefits	$1,211,000	3,740
Premises and equipment expense	$154,000	5,461
Additional noninterest expense	$786,000	3,836
Pre-tax net operating income	$987,000	2,398
Securities gains (losses)	$0	3,184
Applicable income taxes	$48,000	3,304
Income before extraordinary items	$939,000	2,229
Extraordinary gains, net	$0	19
Net income	$939,000	2,228
Minority interest net income	$0	105
Net income of bank and minority interests.	$939,000	2,231
Net charge-offs	$32,000	5,227
Cash dividends	$500,000	1,315
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$939,000	2,154
2010-03-31 (YTD Data)		Rank
Total interest income	$1,694,000	4,167
Total interest expense	$344,000	4,872
Net interest income	$1,350,000	3,820
Provision for loan and lease losses	$0	6,552
Total noninterest income	$183,000	3,852
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$88,000	3,399
Trading account gains and fees	$0	175
Additional Noninterest Income	$95,000	3,602
Total noninterest expense	$1,070,000	4,084
Salaries and employee benefits	$597,000	3,834
Premises and equipment expense	$75,000	5,600
Additional noninterest expense	$398,000	3,808
Pre-tax net operating income	$463,000	2,553
Securities gains (losses)	$0	2,284
Applicable income taxes	$32,000	3,122
Income before extraordinary items	$431,000	2,427
Extraordinary gains, net	$0	16
Net income	$431,000	2,426
Minority interest net income	$0	91
Net income of bank and minority interests.	$431,000	2,427
Net charge-offs	$1,000	5,481
Cash dividends	$250,000	1,200
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$431,000	2,336
2009-12-31 (YTD Data)		Rank
Total interest income	$7,316,000	4,061
Total interest expense	$1,885,000	4,624
Net interest income	$5,431,000	3,738
Provision for loan and lease losses	$280,000	5,369
Total noninterest income	$743,000	3,929
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$380,000	3,428
Trading account gains and fees	$0	211
Additional Noninterest Income	$363,000	3,691
Total noninterest expense	$4,334,000	4,109
Salaries and employee benefits	$2,360,000	3,860
Premises and equipment expense	$324,000	5,470
Additional noninterest expense	$1,650,000	3,831
Pre-tax net operating income	$1,560,000	2,297
Securities gains (losses)	$0	3,754
Applicable income taxes	$33,000	3,470
Income before extraordinary items	$1,527,000	2,084
Extraordinary gains, net	$0	34
Net income	$1,527,000	2,081
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,527,000	2,083
Net charge-offs	$116,000	5,560
Cash dividends	$1,009,000	1,609
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,527,000	2,055
2009-09-30 (YTD Data)		Rank
Total interest income	$5,559,000	4,080
Total interest expense	$1,468,000	4,662
Net interest income	$4,091,000	3,736
Provision for loan and lease losses	$200,000	5,146
Total noninterest income	$548,000	4,034
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$282,000	3,449
Trading account gains and fees	$0	212
Additional Noninterest Income	$266,000	3,800
Total noninterest expense	$3,211,000	4,157
Salaries and employee benefits	$1,774,000	3,896
Premises and equipment expense	$240,000	5,553
Additional noninterest expense	$1,197,000	3,879
Pre-tax net operating income	$1,228,000	2,391
Securities gains (losses)	$0	3,497
Applicable income taxes	$24,000	3,714
Income before extraordinary items	$1,204,000	2,174
Extraordinary gains, net	$0	27
Net income	$1,204,000	2,171
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,204,000	2,174
Net charge-offs	$101,000	5,043
Cash dividends	$709,000	1,618
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,204,000	2,125
2009-06-30 (YTD Data)		Rank
Total interest income	$3,760,000	4,078
Total interest expense	$1,010,000	4,706
Net interest income	$2,750,000	3,699
Provision for loan and lease losses	$180,000	4,468
Total noninterest income	$353,000	4,104
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$186,000	3,448
Trading account gains and fees	$0	193
Additional Noninterest Income	$167,000	3,929
Total noninterest expense	$2,162,000	4,159
Salaries and employee benefits	$1,190,000	3,923
Premises and equipment expense	$158,000	5,625
Additional noninterest expense	$814,000	3,826
Pre-tax net operating income	$761,000	2,598
Securities gains (losses)	$0	3,136
Applicable income taxes	$11,000	3,973
Income before extraordinary items	$750,000	2,345
Extraordinary gains, net	$0	21
Net income	$750,000	2,341
Minority interest net income	$0	112
Net income of bank and minority interests.	$750,000	2,344
Net charge-offs	$98,000	4,266
Cash dividends	$409,000	1,837
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$750,000	2,282
2009-03-31 (YTD Data)		Rank
Total interest income	$1,894,000	4,097
Total interest expense	$530,000	4,678
Net interest income	$1,364,000	3,715
Provision for loan and lease losses	$90,000	4,033
Total noninterest income	$156,000	4,313
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$88,000	3,501
Trading account gains and fees	$0	171
Additional Noninterest Income	$68,000	4,284
Total noninterest expense	$1,111,000	4,000
Salaries and employee benefits	$595,000	3,939
Premises and equipment expense	$82,000	5,600
Additional noninterest expense	$434,000	3,359
Pre-tax net operating income	$319,000	3,241
Securities gains (losses)	$0	2,434
Applicable income taxes	$-7,000	7,165
Income before extraordinary items	$326,000	2,970
Extraordinary gains, net	$0	15
Net income	$326,000	2,971
Minority interest net income	$0	102
Net income of bank and minority interests.	$326,000	2,971
Net charge-offs	$103,000	2,839
Cash dividends	$209,000	1,673
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$326,000	2,832
2008-12-31 (YTD Data)		Rank
Total interest income	$8,407,000	4,000
Total interest expense	$3,207,000	4,057
Net interest income	$5,200,000	3,834
Provision for loan and lease losses	$635,000	3,407
Total noninterest income	$776,000	3,937
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$424,000	3,343
Trading account gains and fees	$0	154
Additional Noninterest Income	$352,000	3,816
Total noninterest expense	$4,048,000	4,193
Salaries and employee benefits	$2,387,000	3,913
Premises and equipment expense	$333,000	5,543
Additional noninterest expense	$1,328,000	3,959
Pre-tax net operating income	$1,293,000	3,283
Securities gains (losses)	$0	3,220
Applicable income taxes	$74,000	3,616
Income before extraordinary items	$1,219,000	2,879
Extraordinary gains, net	$0	39
Net income	$1,219,000	2,878
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$549,000	2,667
Cash dividends	$1,010,000	2,266
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,219,000	3,030
2008-09-30 (YTD Data)		Rank
Total interest income	$6,429,000	4,000
Total interest expense	$2,532,000	4,045
Net interest income	$3,897,000	3,862
Provision for loan and lease losses	$335,000	3,364
Total noninterest income	$598,000	3,965
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$320,000	3,357
Trading account gains and fees	$0	148
Additional Noninterest Income	$278,000	3,811
Total noninterest expense	$3,033,000	4,185
Salaries and employee benefits	$1,813,000	3,901
Premises and equipment expense	$247,000	5,602
Additional noninterest expense	$973,000	3,945
Pre-tax net operating income	$1,127,000	3,442
Securities gains (losses)	$0	3,106
Applicable income taxes	$57,000	4,024
Income before extraordinary items	$1,070,000	2,973
Extraordinary gains, net	$0	31
Net income	$1,070,000	2,969
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$324,000	2,470
Cash dividends	$700,000	2,266
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,070,000	3,123
2008-06-30 (YTD Data)		Rank
Total interest income	$4,360,000	4,012
Total interest expense	$1,759,000	4,078
Net interest income	$2,601,000	3,866
Provision for loan and lease losses	$185,000	3,276
Total noninterest income	$395,000	4,032
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$216,000	3,330
Trading account gains and fees	$0	149
Additional Noninterest Income	$179,000	3,983
Total noninterest expense	$2,011,000	4,217
Salaries and employee benefits	$1,220,000	3,914
Premises and equipment expense	$164,000	5,656
Additional noninterest expense	$627,000	4,041
Pre-tax net operating income	$800,000	3,429
Securities gains (losses)	$0	3,233
Applicable income taxes	$37,000	4,291
Income before extraordinary items	$763,000	3,143
Extraordinary gains, net	$0	21
Net income	$763,000	3,145
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$162,000	2,459
Cash dividends	$400,000	2,547
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$763,000	3,089
2008-03-31 (YTD Data)		Rank
Total interest income	$2,207,000	4,059
Total interest expense	$932,000	4,088
Net interest income	$1,275,000	3,917
Provision for loan and lease losses	$125,000	2,397
Total noninterest income	$187,000	4,129
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$107,000	3,316
Trading account gains and fees	$0	158
Additional Noninterest Income	$80,000	4,198
Total noninterest expense	$1,049,000	4,101
Salaries and employee benefits	$608,000	3,930
Premises and equipment expense	$88,000	5,508
Additional noninterest expense	$353,000	3,648
Pre-tax net operating income	$288,000	4,238
Securities gains (losses)	$0	2,688
Applicable income taxes	$17,000	4,476
Income before extraordinary items	$271,000	4,030
Extraordinary gains, net	$0	15
Net income	$271,000	4,032
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$113,000	1,694
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$271,000	3,942
2007-12-31 (YTD Data)		Rank
Total interest income	$8,726,000	4,129
Total interest expense	$3,659,000	4,230
Net interest income	$5,067,000	3,963
Provision for loan and lease losses	$120,000	4,617
Total noninterest income	$745,000	4,164
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$431,000	3,379
Trading account gains and fees	$0	178
Additional Noninterest Income	$314,000	4,154
Total noninterest expense	$3,935,000	4,170
Salaries and employee benefits	$2,318,000	3,932
Premises and equipment expense	$373,000	5,234
Additional noninterest expense	$1,244,000	3,971
Pre-tax net operating income	$1,757,000	3,592
Securities gains (losses)	$0	2,146
Applicable income taxes	$69,000	4,743
Income before extraordinary items	$1,688,000	3,181
Extraordinary gains, net	$0	39
Net income	$1,688,000	3,179
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,321
Cash dividends	$1,000,000	2,600
Sale, conversion, retirement of capital stock, net	$-75,000	8,441
Net operating income	$1,688,000	3,170
2007-09-30 (YTD Data)		Rank
Total interest income	$6,483,000	4,168
Total interest expense	$2,725,000	4,260
Net interest income	$3,758,000	4,005
Provision for loan and lease losses	$120,000	3,851
Total noninterest income	$555,000	4,176
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$330,000	3,330
Trading account gains and fees	$0	184
Additional Noninterest Income	$225,000	4,269
Total noninterest expense	$2,923,000	4,171
Salaries and employee benefits	$1,726,000	3,943
Premises and equipment expense	$275,000	5,269
Additional noninterest expense	$922,000	3,942
Pre-tax net operating income	$1,270,000	3,820
Securities gains (losses)	$0	1,655
Applicable income taxes	$57,000	4,857
Income before extraordinary items	$1,213,000	3,443
Extraordinary gains, net	$0	33
Net income	$1,213,000	3,442
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,320
Cash dividends	$700,000	2,462
Sale, conversion, retirement of capital stock, net	$-75,000	8,482
Net operating income	$1,213,000	3,431
2007-06-30 (YTD Data)		Rank
Total interest income	$4,273,000	4,228
Total interest expense	$1,786,000	4,307
Net interest income	$2,487,000	4,046
Provision for loan and lease losses	$20,000	5,312
Total noninterest income	$367,000	4,221
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$221,000	3,301
Trading account gains and fees	$0	168
Additional Noninterest Income	$146,000	4,363
Total noninterest expense	$1,897,000	4,284
Salaries and employee benefits	$1,144,000	3,990
Premises and equipment expense	$183,000	5,293
Additional noninterest expense	$570,000	4,167
Pre-tax net operating income	$937,000	3,677
Securities gains (losses)	$0	1,444
Applicable income taxes	$51,000	4,756
Income before extraordinary items	$886,000	3,294
Extraordinary gains, net	$0	29
Net income	$886,000	3,293
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,195
Cash dividends	$500,000	2,415
Sale, conversion, retirement of capital stock, net	$-75,000	8,553
Net operating income	$886,000	3,272
2007-03-31 (YTD Data)		Rank
Total interest income	$2,083,000	4,280
Total interest expense	$861,000	4,383
Net interest income	$1,222,000	4,096
Provision for loan and lease losses	$10,000	5,012
Total noninterest income	$183,000	4,217
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$112,000	3,217
Trading account gains and fees	$0	195
Additional Noninterest Income	$71,000	4,430
Total noninterest expense	$933,000	4,343
Salaries and employee benefits	$576,000	3,994
Premises and equipment expense	$92,000	5,299
Additional noninterest expense	$265,000	4,350
Pre-tax net operating income	$462,000	3,688
Securities gains (losses)	$0	1,187
Applicable income taxes	$23,000	4,835
Income before extraordinary items	$439,000	3,289
Extraordinary gains, net	$0	22
Net income	$439,000	3,289
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$300,000	1,961
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$439,000	3,265
2006-12-31 (YTD Data)		Rank
Total interest income	$7,882,000	4,237
Total interest expense	$3,025,000	4,306
Net interest income	$4,857,000	4,094
Provision for loan and lease losses	$60,000	5,315
Total noninterest income	$763,000	4,175
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$483,000	3,128
Trading account gains and fees	$0	130
Additional Noninterest Income	$280,000	4,440
Total noninterest expense	$3,627,000	4,282
Salaries and employee benefits	$2,156,000	4,041
Premises and equipment expense	$313,000	5,636
Additional noninterest expense	$1,158,000	4,051
Pre-tax net operating income	$1,933,000	3,723
Securities gains (losses)	$0	1,687
Applicable income taxes	$49,000	5,462
Income before extraordinary items	$1,884,000	3,223
Extraordinary gains, net	$0	51
Net income	$1,884,000	3,222
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,438
Cash dividends	$1,300,000	2,132
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,884,000	3,212
2006-09-30 (YTD Data)		Rank
Total interest income	$5,800,000	4,265
Total interest expense	$2,175,000	4,316
Net interest income	$3,625,000	4,134
Provision for loan and lease losses	$20,000	5,975
Total noninterest income	$569,000	4,190
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$366,000	3,130
Trading account gains and fees	$0	126
Additional Noninterest Income	$203,000	4,511
Total noninterest expense	$2,650,000	4,350
Salaries and employee benefits	$1,607,000	4,045
Premises and equipment expense	$201,000	6,060
Additional noninterest expense	$842,000	4,119
Pre-tax net operating income	$1,524,000	3,746
Securities gains (losses)	$0	1,388
Applicable income taxes	$34,000	5,676
Income before extraordinary items	$1,490,000	3,228
Extraordinary gains, net	$0	45
Net income	$1,490,000	3,229
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	5,016
Cash dividends	$900,000	2,057
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,490,000	3,221
2006-06-30 (YTD Data)		Rank
Total interest income	$3,761,000	4,302
Total interest expense	$1,375,000	4,337
Net interest income	$2,386,000	4,179
Provision for loan and lease losses	$20,000	5,511
Total noninterest income	$369,000	4,222
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$232,000	3,213
Trading account gains and fees	$0	126
Additional Noninterest Income	$137,000	4,474
Total noninterest expense	$1,751,000	4,394
Salaries and employee benefits	$1,071,000	4,059
Premises and equipment expense	$129,000	6,171
Additional noninterest expense	$551,000	4,178
Pre-tax net operating income	$984,000	3,828
Securities gains (losses)	$0	1,185
Applicable income taxes	$23,000	5,728
Income before extraordinary items	$961,000	3,301
Extraordinary gains, net	$0	39
Net income	$961,000	3,303
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,958
Cash dividends	$600,000	2,089
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$961,000	3,296
2006-03-31 (YTD Data)		Rank
Total interest income	$1,805,000	4,371
Total interest expense	$646,000	4,384
Net interest income	$1,159,000	4,258
Provision for loan and lease losses	$20,000	4,517
Total noninterest income	$180,000	4,205
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$115,000	3,157
Trading account gains and fees	$0	115
Additional Noninterest Income	$65,000	4,564
Total noninterest expense	$840,000	4,536
Salaries and employee benefits	$536,000	4,082
Premises and equipment expense	$62,000	6,285
Additional noninterest expense	$242,000	4,572
Pre-tax net operating income	$479,000	3,844
Securities gains (losses)	$0	955
Applicable income taxes	$11,000	5,709
Income before extraordinary items	$468,000	3,332
Extraordinary gains, net	$0	21
Net income	$468,000	3,331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	3,757
Cash dividends	$300,000	1,914
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$468,000	3,310
2005-12-31 (YTD Data)		Rank
Total interest income	$6,591,000	4,333
Total interest expense	$2,028,000	4,388
Net interest income	$4,563,000	4,220
Provision for loan and lease losses	$390,000	2,314
Total noninterest income	$741,000	4,228
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$510,000	3,014
Trading account gains and fees	$0	138
Additional Noninterest Income	$231,000	4,878
Total noninterest expense	$3,373,000	4,419
Salaries and employee benefits	$2,012,000	4,108
Premises and equipment expense	$305,000	5,694
Additional noninterest expense	$1,056,000	4,229
Pre-tax net operating income	$1,541,000	4,306
Securities gains (losses)	$0	2,296
Applicable income taxes	$59,000	5,755
Income before extraordinary items	$1,482,000	3,809
Extraordinary gains, net	$0	46
Net income	$1,482,000	3,810
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$386,000	1,448
Cash dividends	$1,100,000	2,279
Sale, conversion, retirement of capital stock, net	$-22,000	8,745
Net operating income	$1,482,000	3,776
2005-09-30 (YTD Data)		Rank
Total interest income	$4,818,000	4,372
Total interest expense	$1,421,000	4,468
Net interest income	$3,397,000	4,238
Provision for loan and lease losses	$70,000	4,797
Total noninterest income	$544,000	4,303
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$397,000	2,933
Trading account gains and fees	$0	126
Additional Noninterest Income	$147,000	5,224
Total noninterest expense	$2,530,000	4,382
Salaries and employee benefits	$1,543,000	4,004
Premises and equipment expense	$227,000	5,711
Additional noninterest expense	$760,000	4,352
Pre-tax net operating income	$1,341,000	4,042
Securities gains (losses)	$0	2,317
Applicable income taxes	$48,000	5,824
Income before extraordinary items	$1,293,000	3,496
Extraordinary gains, net	$0	35
Net income	$1,293,000	3,497
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	4,057
Cash dividends	$900,000	1,943
Sale, conversion, retirement of capital stock, net	$-22,000	8,790
Net operating income	$1,293,000	3,461
2005-06-30 (YTD Data)		Rank
Total interest income	$3,099,000	4,411
Total interest expense	$898,000	4,452
Net interest income	$2,201,000	4,306
Provision for loan and lease losses	$40,000	4,850
Total noninterest income	$366,000	4,255
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$261,000	2,913
Trading account gains and fees	$0	116
Additional Noninterest Income	$105,000	5,089
Total noninterest expense	$1,656,000	4,430
Salaries and employee benefits	$1,031,000	3,980
Premises and equipment expense	$145,000	5,799
Additional noninterest expense	$480,000	4,513
Pre-tax net operating income	$871,000	4,071
Securities gains (losses)	$0	2,146
Applicable income taxes	$33,000	5,805
Income before extraordinary items	$838,000	3,526
Extraordinary gains, net	$0	30
Net income	$838,000	3,528
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	3,735
Cash dividends	$600,000	1,914
Sale, conversion, retirement of capital stock, net	$-22,000	8,816
Net operating income	$838,000	3,479
2005-03-31 (YTD Data)		Rank
Total interest income	$1,499,000	4,489
Total interest expense	$424,000	4,497
Net interest income	$1,075,000	4,392
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$171,000	4,372
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$135,000	2,769
Trading account gains and fees	$0	115
Additional Noninterest Income	$36,000	5,847
Total noninterest expense	$801,000	4,554
Salaries and employee benefits	$497,000	4,113
Premises and equipment expense	$69,000	5,998
Additional noninterest expense	$235,000	4,571
Pre-tax net operating income	$415,000	4,163
Securities gains (losses)	$0	1,685
Applicable income taxes	$12,000	5,990
Income before extraordinary items	$403,000	3,598
Extraordinary gains, net	$0	24
Net income	$403,000	3,600
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,877
Cash dividends	$300,000	1,719
Sale, conversion, retirement of capital stock, net	$-22,000	8,894
Net operating income	$403,000	3,566
2004-12-31 (YTD Data)		Rank
Total interest income	$5,651,000	4,449
Total interest expense	$1,470,000	4,570
Net interest income	$4,181,000	4,344
Provision for loan and lease losses	$110,000	4,839
Total noninterest income	$814,000	4,006
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$566,000	2,840
Trading account gains and fees	$0	138
Additional Noninterest Income	$248,000	4,659
Total noninterest expense	$3,162,000	4,491
Salaries and employee benefits	$1,900,000	4,167
Premises and equipment expense	$284,000	5,831
Additional noninterest expense	$978,000	4,431
Pre-tax net operating income	$1,723,000	3,889
Securities gains (losses)	$0	3,819
Applicable income taxes	$69,000	5,824
Income before extraordinary items	$1,654,000	3,386
Extraordinary gains, net	$0	34
Net income	$1,654,000	3,385
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	5,458
Cash dividends	$1,050,000	2,224
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,654,000	3,318
2004-09-30 (YTD Data)		Rank
Total interest income	$4,160,000	4,489
Total interest expense	$1,072,000	4,608
Net interest income	$3,088,000	4,380
Provision for loan and lease losses	$25,000	6,158
Total noninterest income	$608,000	4,037
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$432,000	2,806
Trading account gains and fees	$0	134
Additional Noninterest Income	$176,000	4,774
Total noninterest expense	$2,327,000	4,532
Salaries and employee benefits	$1,394,000	4,194
Premises and equipment expense	$221,000	5,691
Additional noninterest expense	$712,000	4,465
Pre-tax net operating income	$1,344,000	3,870
Securities gains (losses)	$0	3,710
Applicable income taxes	$60,000	5,833
Income before extraordinary items	$1,284,000	3,379
Extraordinary gains, net	$0	26
Net income	$1,284,000	3,380
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,361
Cash dividends	$750,000	2,092
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,284,000	3,294
2004-06-30 (YTD Data)		Rank
Total interest income	$2,721,000	4,556
Total interest expense	$692,000	4,707
Net interest income	$2,029,000	4,426
Provision for loan and lease losses	$25,000	5,618
Total noninterest income	$395,000	4,116
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$286,000	2,822
Trading account gains and fees	$0	130
Additional Noninterest Income	$109,000	4,988
Total noninterest expense	$1,501,000	4,665
Salaries and employee benefits	$918,000	4,249
Premises and equipment expense	$144,000	5,789
Additional noninterest expense	$439,000	4,766
Pre-tax net operating income	$898,000	3,808
Securities gains (losses)	$0	3,413
Applicable income taxes	$45,000	5,735
Income before extraordinary items	$853,000	3,355
Extraordinary gains, net	$0	21
Net income	$853,000	3,355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,839
Cash dividends	$500,000	2,118
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$853,000	3,252
2004-03-31 (YTD Data)		Rank
Total interest income	$1,325,000	4,656
Total interest expense	$343,000	4,766
Net interest income	$982,000	4,544
Provision for loan and lease losses	$5,000	6,071
Total noninterest income	$186,000	4,225
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$137,000	2,859
Trading account gains and fees	$0	121
Additional Noninterest Income	$49,000	5,162
Total noninterest expense	$731,000	4,771
Salaries and employee benefits	$454,000	4,322
Premises and equipment expense	$70,000	5,876
Additional noninterest expense	$207,000	4,938
Pre-tax net operating income	$432,000	3,878
Securities gains (losses)	$0	2,934
Applicable income taxes	$15,000	6,000
Income before extraordinary items	$417,000	3,395
Extraordinary gains, net	$0	16
Net income	$417,000	3,394
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,358
Cash dividends	$250,000	1,912
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$417,000	3,276
2003-12-31 (YTD Data)		Rank
Total interest income	$5,645,000	4,476
Total interest expense	$1,648,000	4,604
Net interest income	$3,997,000	4,368
Provision for loan and lease losses	$80,000	5,625
Total noninterest income	$781,000	4,293
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$578,000	2,777
Trading account gains and fees	$0	160
Additional Noninterest Income	$203,000	5,252
Total noninterest expense	$2,961,000	4,638
Salaries and employee benefits	$1,755,000	4,333
Premises and equipment expense	$293,000	5,725
Additional noninterest expense	$913,000	4,572
Pre-tax net operating income	$1,737,000	3,733
Securities gains (losses)	$0	4,500
Applicable income taxes	$63,000	6,123
Income before extraordinary items	$1,674,000	3,278
Extraordinary gains, net	$0	54
Net income	$1,674,000	3,280
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,094
Cash dividends	$950,000	2,415
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,674,000	3,129
2003-09-30 (YTD Data)		Rank
Total interest income	$4,303,000	4,483
Total interest expense	$1,282,000	4,621
Net interest income	$3,021,000	4,365
Provision for loan and lease losses	$70,000	5,319
Total noninterest income	$559,000	4,433
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$422,000	2,840
Trading account gains and fees	$0	153
Additional Noninterest Income	$137,000	5,519
Total noninterest expense	$2,135,000	4,770
Salaries and employee benefits	$1,286,000	4,399
Premises and equipment expense	$192,000	6,101
Additional noninterest expense	$657,000	4,691
Pre-tax net operating income	$1,375,000	3,712
Securities gains (losses)	$0	4,204
Applicable income taxes	$54,000	6,146
Income before extraordinary items	$1,321,000	3,252
Extraordinary gains, net	$0	40
Net income	$1,321,000	3,251
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	5,642
Cash dividends	$650,000	2,267
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,321,000	3,099
2003-06-30 (YTD Data)		Rank
Total interest income	$2,833,000	4,565
Total interest expense	$895,000	4,595
Net interest income	$1,938,000	4,487
Provision for loan and lease losses	$60,000	4,687
Total noninterest income	$363,000	4,486
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$271,000	2,875
Trading account gains and fees	$0	150
Additional Noninterest Income	$92,000	5,469
Total noninterest expense	$1,381,000	4,867
Salaries and employee benefits	$840,000	4,460
Premises and equipment expense	$116,000	6,372
Additional noninterest expense	$425,000	4,796
Pre-tax net operating income	$860,000	3,876
Securities gains (losses)	$0	3,782
Applicable income taxes	$33,000	6,264
Income before extraordinary items	$827,000	3,422
Extraordinary gains, net	$0	30
Net income	$827,000	3,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,910
Cash dividends	$400,000	2,440
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$827,000	3,239
2003-03-31 (YTD Data)		Rank
Total interest income	$1,360,000	4,717
Total interest expense	$463,000	4,583
Net interest income	$897,000	4,716
Provision for loan and lease losses	$10,000	6,044
Total noninterest income	$165,000	4,648
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$127,000	2,959
Trading account gains and fees	$0	134
Additional Noninterest Income	$38,000	5,786
Total noninterest expense	$685,000	4,869
Salaries and employee benefits	$415,000	4,509
Premises and equipment expense	$58,000	6,382
Additional noninterest expense	$212,000	4,752
Pre-tax net operating income	$367,000	4,257
Securities gains (losses)	$0	2,891
Applicable income taxes	$17,000	6,213
Income before extraordinary items	$350,000	3,796
Extraordinary gains, net	$0	21
Net income	$350,000	3,794
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	4,155
Cash dividends	$200,000	2,197
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$350,000	3,624
2002-12-31 (YTD Data)		Rank
Total interest income	$5,779,000	4,681
Total interest expense	$2,081,000	4,663
Net interest income	$3,698,000	4,585
Provision for loan and lease losses	$90,000	5,880
Total noninterest income	$687,000	4,384
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$483,000	3,064
Trading account gains and fees	$0	153
Additional Noninterest Income	$204,000	4,976
Total noninterest expense	$2,673,000	4,857
Salaries and employee benefits	$1,572,000	4,511
Premises and equipment expense	$274,000	5,845
Additional noninterest expense	$827,000	4,813
Pre-tax net operating income	$1,622,000	3,899
Securities gains (losses)	$-5,000	8,824
Applicable income taxes	$64,000	6,357
Income before extraordinary items	$1,553,000	3,411
Extraordinary gains, net	$0	70
Net income	$1,553,000	3,410
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,276
Cash dividends	$855,000	2,528
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,557,800	3,290
2001-12-31 (YTD Data)		Rank
Total interest income	$6,406,000	4,732
Total interest expense	$3,088,000	4,613
Net interest income	$3,318,000	4,720
Provision for loan and lease losses	$56,000	6,538
Total noninterest income	$550,000	4,810
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$436,000	3,178
Trading account gains and fees	$0	177
Additional Noninterest Income	$114,000	6,118
Total noninterest expense	$2,445,000	5,034
Salaries and employee benefits	$1,430,000	4,678
Premises and equipment expense	$296,000	5,556
Additional noninterest expense	$719,000	5,184
Pre-tax net operating income	$1,367,000	4,101
Securities gains (losses)	$0	4,612
Applicable income taxes	$58,000	6,573
Income before extraordinary items	$1,309,000	3,568
Extraordinary gains, net	$0	105
Net income	$1,309,000	3,569
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,241
Cash dividends	$875,000	2,492
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,309,000	3,472
2000-12-31 (YTD Data)		Rank
Total interest income	$6,358,000	4,896
Total interest expense	$3,337,000	4,539
Net interest income	$3,021,000	5,136
Provision for loan and lease losses	$40,000	6,852
Total noninterest income	$504,000	4,900
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$403,000	3,219
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	6,404
Total noninterest expense	$2,296,000	5,168
Salaries and employee benefits	$1,342,000	4,780
Premises and equipment expense	$346,000	4,972
Additional noninterest expense	$608,000	5,736
Pre-tax net operating income	$1,189,000	4,741
Securities gains (losses)	$0	1,956
Applicable income taxes	$42,000	7,376
Income before extraordinary items	$1,147,000	3,981
Extraordinary gains, net	$0	38
Net income	$1,147,000	3,983
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	6,338
Cash dividends	$600,000	3,185
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,147,000	3,972
1999-12-31 (YTD Data)		Rank
Total interest income	$5,438,000	5,284
Total interest expense	$2,748,000	4,921
Net interest income	$2,690,000	5,546
Provision for loan and lease losses	$35,000	7,095
Total noninterest income	$454,000	5,258
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$364,000	3,462
Trading account gains and fees	NA	NA
Additional Noninterest Income	$90,000	6,873
Total noninterest expense	$2,138,000	5,416
Salaries and employee benefits	$1,265,000	4,972
Premises and equipment expense	$301,000	5,454
Additional noninterest expense	$572,000	6,009
Pre-tax net operating income	$971,000	5,397
Securities gains (losses)	$0	3,155
Applicable income taxes	$42,000	7,769
Income before extraordinary items	$929,000	4,653
Extraordinary gains, net	$0	35
Net income	$929,000	4,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,271
Cash dividends	$700,000	2,895
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$929,000	4,619
1998-12-31 (YTD Data)		Rank
Total interest income	$5,233,000	5,493
Total interest expense	$2,648,000	5,167
Net interest income	$2,585,000	5,712
Provision for loan and lease losses	$65,000	5,993
Total noninterest income	$339,000	6,113
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$264,000	4,319
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	7,329
Total noninterest expense	$1,826,000	5,932
Salaries and employee benefits	$1,119,000	5,338
Premises and equipment expense	$208,000	6,589
Additional noninterest expense	$499,000	6,447
Pre-tax net operating income	$1,033,000	5,317
Securities gains (losses)	$0	4,449
Applicable income taxes	$40,000	8,514
Income before extraordinary items	$993,000	4,552
Extraordinary gains, net	$0	32
Net income	$993,000	4,551
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,129
Cash dividends	$800,000	2,583
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$993,000	4,446
1997-12-31 (YTD Data)		Rank
Total interest income	$4,458,000	6,262
Total interest expense	$2,186,000	5,910
Net interest income	$2,272,000	6,405
Provision for loan and lease losses	$50,000	6,616
Total noninterest income	$299,000	6,649
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$226,000	4,964
Trading account gains and fees	NA	NA
Additional Noninterest Income	$73,000	7,610
Total noninterest expense	$1,426,000	6,974
Salaries and employee benefits	$906,000	6,256
Premises and equipment expense	$126,000	8,337
Additional noninterest expense	$394,000	7,407
Pre-tax net operating income	$1,095,000	5,558
Securities gains (losses)	$0	3,944
Applicable income taxes	$53,000	9,212
Income before extraordinary items	$1,042,000	4,551
Extraordinary gains, net	$0	44
Net income	$1,042,000	4,550
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,932
Cash dividends	$675,000	2,850
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,042,000	4,492
1996-12-31 (YTD Data)		Rank
Total interest income	$3,815,000	7,035
Total interest expense	$1,763,000	6,926
Net interest income	$2,052,000	7,042
Provision for loan and lease losses	$10,000	8,531
Total noninterest income	$285,000	7,129
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$214,000	5,329
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	8,053
Total noninterest expense	$1,322,000	7,598
Salaries and employee benefits	$822,000	6,873
Premises and equipment expense	$126,000	8,634
Additional noninterest expense	$374,000	8,119
Pre-tax net operating income	$1,005,000	5,723
Securities gains (losses)	$0	4,148
Applicable income taxes	$355,000	5,274
Income before extraordinary items	$650,000	5,987
Extraordinary gains, net	$0	53
Net income	$650,000	5,989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,018
Cash dividends	$180,000	5,668
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$650,000	5,931
1995-12-31 (YTD Data)		Rank
Total interest income	$3,304,000	7,801
Total interest expense	$1,555,000	7,544
Net interest income	$1,749,000	7,896
Provision for loan and lease losses	$47,000	6,364
Total noninterest income	$261,000	7,565
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$192,000	5,831
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	8,396
Total noninterest expense	$1,272,000	7,943
Salaries and employee benefits	$785,000	7,188
Premises and equipment expense	$113,000	9,239
Additional noninterest expense	$374,000	8,459
Pre-tax net operating income	$691,000	7,367
Securities gains (losses)	$0	3,831
Applicable income taxes	$248,000	6,675
Income before extraordinary items	$443,000	7,698
Extraordinary gains, net	$0	65
Net income	$443,000	7,699
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,354
Cash dividends	$250,000	4,947
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$443,000	7,674
1994-12-31 (YTD Data)		Rank
Total interest income	$2,688,000	8,577
Total interest expense	$1,095,000	8,305
Net interest income	$1,593,000	8,597
Provision for loan and lease losses	$0	9,146
Total noninterest income	$231,000	8,234
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$180,000	6,254
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	9,565
Total noninterest expense	$1,184,000	8,672
Salaries and employee benefits	$739,000	7,607
Premises and equipment expense	$92,000	10,281
Additional noninterest expense	$353,000	9,309
Pre-tax net operating income	$640,000	7,767
Securities gains (losses)	$0	3,600
Applicable income taxes	$227,000	6,901
Income before extraordinary items	$413,000	8,082
Extraordinary gains, net	$0	249
Net income	$413,000	8,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,184
Cash dividends	$175,000	5,766
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$413,000	8,107
1993-12-31 (YTD Data)		Rank
Total interest income	$2,662,000	8,883
Total interest expense	$1,052,000	8,872
Net interest income	$1,610,000	8,768
Provision for loan and lease losses	$31,000	8,369
Total noninterest income	$242,000	8,491
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$190,000	6,163
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	9,987
Total noninterest expense	$1,115,000	9,274
Salaries and employee benefits	$685,000	8,101
Premises and equipment expense	$87,000	10,896
Additional noninterest expense	$343,000	9,921
Pre-tax net operating income	$706,000	7,333
Securities gains (losses)	$4,000	6,316
Applicable income taxes	$250,000	6,790
Income before extraordinary items	$460,000	7,885
Extraordinary gains, net	$0	3,149
Net income	$460,000	8,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	9,293
Cash dividends	$175,000	5,761
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$457,400	7,655
1992-12-31 (YTD Data)		Rank
Total interest income	$2,904,000	9,145
Total interest expense	$1,272,000	9,351
Net interest income	$1,632,000	8,871
Provision for loan and lease losses	$0	11,756
Total noninterest income	$259,000	8,355
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$198,000	6,035
Trading account gains and fees	NA	NA
Additional Noninterest Income	$61,000	9,744
Total noninterest expense	$1,035,000	9,830
Salaries and employee benefits	$640,000	8,450
Premises and equipment expense	$73,000	11,760
Additional noninterest expense	$322,000	10,530
Pre-tax net operating income	$856,000	6,308
Securities gains (losses)	$3,000	7,429
Applicable income taxes	$306,000	5,853
Income before extraordinary items	$553,000	6,905
Extraordinary gains, net	$0	1,422
Net income	$553,000	6,992
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	12,654
Cash dividends	$451,000	3,034
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$551,080	6,553

* 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.