Home > First Community Bank > Income and Expense

First Community Bank, Income and Expense

2013-03-31 (YTD Data)		Rank
Total interest income	$1,299,000	4,057
Total interest expense	$197,000	3,707
Net interest income	$1,102,000	4,054
Provision for loan and lease losses	$102,000	2,029
Total noninterest income	$108,000	4,721
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$37,000	4,624
Trading account gains and fees	$0	148
Additional Noninterest Income	$71,000	4,261
Total noninterest expense	$1,197,000	3,567
Salaries and employee benefits	$456,000	4,369
Premises and equipment expense	$101,000	4,282
Additional noninterest expense	$640,000	2,402
Pre-tax net operating income	$-89,000	6,605
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$-89,000	6,647
Extraordinary gains, net	$0	10
Net income	$-89,000	6,648
Minority interest net income	$0	76
Net income of bank and minority interests.	$-89,000	6,648
Net charge-offs	$58,000	2,318
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$-89,000	6,616
2012-12-31 (YTD Data)		Rank
Total interest income	$5,645,000	3,992
Total interest expense	$989,000	3,635
Net interest income	$4,656,000	3,988
Provision for loan and lease losses	$585,000	2,502
Total noninterest income	$-316,000	6,962
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$165,000	4,607
Trading account gains and fees	$0	166
Additional Noninterest Income	$-481,000	6,923
Total noninterest expense	$4,048,000	4,005
Salaries and employee benefits	$1,922,000	4,231
Premises and equipment expense	$335,000	4,727
Additional noninterest expense	$1,791,000	3,353
Pre-tax net operating income	$-293,000	6,407
Securities gains (losses)	$42,000	2,832
Applicable income taxes	$-87,000	6,685
Income before extraordinary items	$-164,000	6,444
Extraordinary gains, net	$0	29
Net income	$-164,000	6,438
Minority interest net income	$0	93
Net income of bank and minority interests.	$-164,000	6,440
Net charge-offs	$792,000	2,064
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$-191,300	6,367
2012-09-30 (YTD Data)		Rank
Total interest income	$4,265,000	4,039
Total interest expense	$767,000	3,677
Net interest income	$3,498,000	4,044
Provision for loan and lease losses	$165,000	3,761
Total noninterest income	$-93,000	7,021
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$125,000	4,651
Trading account gains and fees	$0	157
Additional Noninterest Income	$-218,000	6,988
Total noninterest expense	$3,074,000	3,991
Salaries and employee benefits	$1,481,000	4,174
Premises and equipment expense	$274,000	4,571
Additional noninterest expense	$1,319,000	3,413
Pre-tax net operating income	$166,000	5,799
Securities gains (losses)	$42,000	2,536
Applicable income taxes	$70,000	3,598
Income before extraordinary items	$138,000	5,974
Extraordinary gains, net	$0	20
Net income	$138,000	5,973
Minority interest net income	$0	86
Net income of bank and minority interests.	$138,000	5,973
Net charge-offs	$205,000	3,281
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$110,280	5,937
2012-06-30 (YTD Data)		Rank
Total interest income	$2,875,000	4,036
Total interest expense	$533,000	3,669
Net interest income	$2,342,000	4,046
Provision for loan and lease losses	$150,000	3,329
Total noninterest income	$-131,000	7,119
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$89,000	4,537
Trading account gains and fees	$0	153
Additional Noninterest Income	$-220,000	7,087
Total noninterest expense	$2,022,000	4,063
Salaries and employee benefits	$982,000	4,219
Premises and equipment expense	$174,000	4,700
Additional noninterest expense	$866,000	3,480
Pre-tax net operating income	$39,000	6,147
Securities gains (losses)	$25,000	2,404
Applicable income taxes	$22,000	3,966
Income before extraordinary items	$42,000	6,267
Extraordinary gains, net	$0	19
Net income	$42,000	6,267
Minority interest net income	$0	84
Net income of bank and minority interests.	$42,000	6,267
Net charge-offs	$200,000	2,753
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$25,500	6,224
2012-03-31 (YTD Data)		Rank
Total interest income	$1,460,000	4,038
Total interest expense	$277,000	3,689
Net interest income	$1,183,000	4,047
Provision for loan and lease losses	$45,000	3,771
Total noninterest income	$-179,000	7,238
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$48,000	4,361
Trading account gains and fees	$0	148
Additional Noninterest Income	$-227,000	7,221
Total noninterest expense	$983,000	4,143
Salaries and employee benefits	$479,000	4,313
Premises and equipment expense	$70,000	5,222
Additional noninterest expense	$434,000	3,451
Pre-tax net operating income	$-24,000	6,545
Securities gains (losses)	$25,000	1,501
Applicable income taxes	$0	4,704
Income before extraordinary items	$1,000	6,515
Extraordinary gains, net	$0	19
Net income	$1,000	6,516
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,000	6,515
Net charge-offs	$107,000	2,385
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$-24,000	6,554
2011-12-31 (YTD Data)		Rank
Total interest income	$5,782,000	4,179
Total interest expense	$1,314,000	3,756
Net interest income	$4,468,000	4,227
Provision for loan and lease losses	$245,000	4,390
Total noninterest income	$155,000	6,019
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$199,000	4,383
Trading account gains and fees	$0	146
Additional Noninterest Income	$-44,000	6,812
Total noninterest expense	$3,910,000	4,175
Salaries and employee benefits	$1,896,000	4,305
Premises and equipment expense	$369,000	4,749
Additional noninterest expense	$1,645,000	3,630
Pre-tax net operating income	$468,000	4,798
Securities gains (losses)	$41,000	2,709
Applicable income taxes	$175,000	3,014
Income before extraordinary items	$334,000	5,137
Extraordinary gains, net	$0	29
Net income	$334,000	5,139
Minority interest net income	$0	96
Net income of bank and minority interests.	$334,000	5,139
Net charge-offs	$748,000	2,718
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$306,940	5,111
2011-09-30 (YTD Data)		Rank
Total interest income	$4,346,000	4,217
Total interest expense	$1,014,000	3,805
Net interest income	$3,332,000	4,263
Provision for loan and lease losses	$166,000	4,379
Total noninterest income	$152,000	5,817
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$155,000	4,337
Trading account gains and fees	$0	145
Additional Noninterest Income	$-3,000	6,895
Total noninterest expense	$2,911,000	4,195
Salaries and employee benefits	$1,423,000	4,303
Premises and equipment expense	$267,000	4,889
Additional noninterest expense	$1,221,000	3,644
Pre-tax net operating income	$407,000	4,747
Securities gains (losses)	$23,000	2,749
Applicable income taxes	$147,000	2,930
Income before extraordinary items	$283,000	5,134
Extraordinary gains, net	$0	21
Net income	$283,000	5,135
Minority interest net income	$0	87
Net income of bank and minority interests.	$283,000	5,135
Net charge-offs	$716,000	2,267
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$267,820	5,084
2011-06-30 (YTD Data)		Rank
Total interest income	$2,917,000	4,226
Total interest expense	$701,000	3,805
Net interest income	$2,216,000	4,286
Provision for loan and lease losses	$141,000	4,007
Total noninterest income	$155,000	5,255
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$104,000	4,309
Trading account gains and fees	$0	153
Additional Noninterest Income	$51,000	5,440
Total noninterest expense	$1,962,000	4,218
Salaries and employee benefits	$933,000	4,383
Premises and equipment expense	$179,000	4,911
Additional noninterest expense	$850,000	3,591
Pre-tax net operating income	$268,000	4,757
Securities gains (losses)	$0	2,914
Applicable income taxes	$91,000	2,931
Income before extraordinary items	$177,000	5,181
Extraordinary gains, net	$0	15
Net income	$177,000	5,180
Minority interest net income	$0	89
Net income of bank and minority interests.	$177,000	5,181
Net charge-offs	$702,000	1,796
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$177,000	5,093
2011-03-31 (YTD Data)		Rank
Total interest income	$1,522,000	4,117
Total interest expense	$365,000	3,815
Net interest income	$1,157,000	4,147
Provision for loan and lease losses	$81,000	3,616
Total noninterest income	$67,000	5,553
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$56,000	4,136
Trading account gains and fees	$0	158
Additional Noninterest Income	$11,000	6,315
Total noninterest expense	$965,000	4,278
Salaries and employee benefits	$474,000	4,376
Premises and equipment expense	$87,000	5,036
Additional noninterest expense	$404,000	3,701
Pre-tax net operating income	$178,000	4,406
Securities gains (losses)	$0	1,772
Applicable income taxes	$60,000	2,687
Income before extraordinary items	$118,000	4,795
Extraordinary gains, net	$0	9
Net income	$118,000	4,793
Minority interest net income	$0	86
Net income of bank and minority interests.	$118,000	4,795
Net charge-offs	$286,000	1,799
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$118,000	4,733
2010-12-31 (YTD Data)		Rank
Total interest income	$6,046,000	4,305
Total interest expense	$1,921,000	3,674
Net interest income	$4,125,000	4,495
Provision for loan and lease losses	$1,367,000	2,593
Total noninterest income	$28,000	7,159
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$215,000	4,282
Trading account gains and fees	$0	175
Additional Noninterest Income	$-187,000	7,268
Total noninterest expense	$4,127,000	4,128
Salaries and employee benefits	$1,805,000	4,521
Premises and equipment expense	$351,000	5,050
Additional noninterest expense	$1,971,000	3,299
Pre-tax net operating income	$-1,341,000	6,614
Securities gains (losses)	$0	3,793
Applicable income taxes	$-533,000	7,182
Income before extraordinary items	$-808,000	6,509
Extraordinary gains, net	$0	29
Net income	$-808,000	6,511
Minority interest net income	$0	111
Net income of bank and minority interests.	$-808,000	6,511
Net charge-offs	$1,555,000	2,140
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-808,000	6,463
2010-09-30 (YTD Data)		Rank
Total interest income	$4,613,000	4,338
Total interest expense	$1,516,000	3,675
Net interest income	$3,097,000	4,542
Provision for loan and lease losses	$1,277,000	2,194
Total noninterest income	$-9,000	7,467
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$158,000	4,390
Trading account gains and fees	$0	165
Additional Noninterest Income	$-167,000	7,442
Total noninterest expense	$3,379,000	3,897
Salaries and employee benefits	$1,389,000	4,477
Premises and equipment expense	$301,000	4,834
Additional noninterest expense	$1,689,000	2,870
Pre-tax net operating income	$-1,568,000	6,975
Securities gains (losses)	$0	3,651
Applicable income taxes	$-534,000	7,382
Income before extraordinary items	$-1,034,000	6,914
Extraordinary gains, net	$0	23
Net income	$-1,034,000	6,914
Minority interest net income	$0	110
Net income of bank and minority interests.	$-1,034,000	6,914
Net charge-offs	$1,053,000	2,134
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-1,034,000	6,874
2010-06-30 (YTD Data)		Rank
Total interest income	$3,143,000	4,304
Total interest expense	$1,078,000	3,598
Net interest income	$2,065,000	4,554
Provision for loan and lease losses	$150,000	4,587
Total noninterest income	$63,000	6,628
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$107,000	4,369
Trading account gains and fees	$0	152
Additional Noninterest Income	$-44,000	7,439
Total noninterest expense	$2,227,000	3,935
Salaries and employee benefits	$931,000	4,486
Premises and equipment expense	$204,000	4,818
Additional noninterest expense	$1,092,000	2,968
Pre-tax net operating income	$-249,000	6,501
Securities gains (losses)	$0	3,184
Applicable income taxes	$-85,000	7,167
Income before extraordinary items	$-164,000	6,523
Extraordinary gains, net	$0	19
Net income	$-164,000	6,525
Minority interest net income	$0	105
Net income of bank and minority interests.	$-164,000	6,523
Net charge-offs	$525,000	2,386
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-164,000	6,462
2010-03-31 (YTD Data)		Rank
Total interest income	$1,596,000	4,331
Total interest expense	$596,000	3,446
Net interest income	$1,000,000	4,682
Provision for loan and lease losses	$90,000	4,075
Total noninterest income	$74,000	5,551
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$56,000	4,261
Trading account gains and fees	$0	175
Additional Noninterest Income	$18,000	6,058
Total noninterest expense	$1,111,000	3,975
Salaries and employee benefits	$462,000	4,567
Premises and equipment expense	$103,000	4,876
Additional noninterest expense	$546,000	2,942
Pre-tax net operating income	$-127,000	6,714
Securities gains (losses)	$0	2,284
Applicable income taxes	$-45,000	7,307
Income before extraordinary items	$-82,000	6,706
Extraordinary gains, net	$0	16
Net income	$-82,000	6,707
Minority interest net income	$0	91
Net income of bank and minority interests.	$-82,000	6,706
Net charge-offs	$392,000	1,795
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-82,000	6,638
2009-12-31 (YTD Data)		Rank
Total interest income	$7,535,000	3,987
Total interest expense	$3,077,000	3,352
Net interest income	$4,458,000	4,259
Provision for loan and lease losses	$2,674,000	2,108
Total noninterest income	$347,000	5,370
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$246,000	4,261
Trading account gains and fees	$0	211
Additional Noninterest Income	$101,000	5,633
Total noninterest expense	$3,430,000	4,786
Salaries and employee benefits	$1,634,000	4,939
Premises and equipment expense	$405,000	4,967
Additional noninterest expense	$1,391,000	4,295
Pre-tax net operating income	$-1,299,000	6,374
Securities gains (losses)	$0	3,754
Applicable income taxes	$-432,000	6,992
Income before extraordinary items	$-867,000	6,296
Extraordinary gains, net	$0	34
Net income	$-867,000	6,296
Minority interest net income	$0	115
Net income of bank and minority interests.	$-867,000	6,295
Net charge-offs	$2,595,000	1,757
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-867,000	6,305
2009-09-30 (YTD Data)		Rank
Total interest income	$5,873,000	3,932
Total interest expense	$2,433,000	3,349
Net interest income	$3,440,000	4,179
Provision for loan and lease losses	$1,097,000	2,653
Total noninterest income	$249,000	5,533
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$181,000	4,307
Trading account gains and fees	$0	212
Additional Noninterest Income	$68,000	5,894
Total noninterest expense	$2,767,000	4,578
Salaries and employee benefits	$1,297,000	4,804
Premises and equipment expense	$321,000	4,851
Additional noninterest expense	$1,149,000	4,000
Pre-tax net operating income	$-175,000	5,997
Securities gains (losses)	$0	3,497
Applicable income taxes	$-59,000	6,838
Income before extraordinary items	$-116,000	6,004
Extraordinary gains, net	$0	27
Net income	$-116,000	6,004
Minority interest net income	$0	118
Net income of bank and minority interests.	$-116,000	6,004
Net charge-offs	$59,000	5,550
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-116,000	5,970
2009-06-30 (YTD Data)		Rank
Total interest income	$3,962,000	3,929
Total interest expense	$1,703,000	3,356
Net interest income	$2,259,000	4,213
Provision for loan and lease losses	$233,000	4,132
Total noninterest income	$159,000	5,624
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$120,000	4,303
Trading account gains and fees	$0	193
Additional Noninterest Income	$39,000	6,109
Total noninterest expense	$1,843,000	4,615
Salaries and employee benefits	$864,000	4,875
Premises and equipment expense	$210,000	4,946
Additional noninterest expense	$769,000	3,988
Pre-tax net operating income	$342,000	3,959
Securities gains (losses)	$0	3,136
Applicable income taxes	$116,000	2,503
Income before extraordinary items	$226,000	4,388
Extraordinary gains, net	$0	21
Net income	$226,000	4,385
Minority interest net income	$0	112
Net income of bank and minority interests.	$226,000	4,385
Net charge-offs	$-4,000	7,749
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$226,000	4,279
2009-03-31 (YTD Data)		Rank
Total interest income	$1,997,000	3,947
Total interest expense	$905,000	3,316
Net interest income	$1,092,000	4,304
Provision for loan and lease losses	$0	6,744
Total noninterest income	$80,000	5,580
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$60,000	4,245
Trading account gains and fees	$0	171
Additional Noninterest Income	$20,000	6,167
Total noninterest expense	$933,000	4,507
Salaries and employee benefits	$441,000	4,860
Premises and equipment expense	$107,000	4,927
Additional noninterest expense	$385,000	3,688
Pre-tax net operating income	$239,000	3,726
Securities gains (losses)	$0	2,434
Applicable income taxes	$80,000	2,406
Income before extraordinary items	$159,000	4,243
Extraordinary gains, net	$0	15
Net income	$159,000	4,246
Minority interest net income	$0	102
Net income of bank and minority interests.	$159,000	4,246
Net charge-offs	$-11,000	7,884
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$159,000	4,087
2008-12-31 (YTD Data)		Rank
Total interest income	$9,473,000	3,675
Total interest expense	$4,365,000	3,293
Net interest income	$5,108,000	3,895
Provision for loan and lease losses	$703,000	3,239
Total noninterest income	$400,000	5,272
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$325,000	3,870
Trading account gains and fees	$0	154
Additional Noninterest Income	$75,000	6,290
Total noninterest expense	$3,198,000	4,905
Salaries and employee benefits	$1,719,000	4,932
Premises and equipment expense	$456,000	4,720
Additional noninterest expense	$1,023,000	4,750
Pre-tax net operating income	$1,607,000	2,896
Securities gains (losses)	$0	3,220
Applicable income taxes	$671,000	1,563
Income before extraordinary items	$936,000	3,409
Extraordinary gains, net	$0	39
Net income	$936,000	3,409
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$222,000	3,949
Cash dividends	$188,000	4,574
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$936,000	3,563
2008-09-30 (YTD Data)		Rank
Total interest income	$7,213,000	3,694
Total interest expense	$3,396,000	3,304
Net interest income	$3,817,000	3,923
Provision for loan and lease losses	$499,000	2,734
Total noninterest income	$292,000	5,420
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$253,000	3,824
Trading account gains and fees	$0	148
Additional Noninterest Income	$39,000	6,860
Total noninterest expense	$2,478,000	4,785
Salaries and employee benefits	$1,302,000	4,918
Premises and equipment expense	$330,000	4,833
Additional noninterest expense	$846,000	4,401
Pre-tax net operating income	$1,132,000	3,436
Securities gains (losses)	$0	3,106
Applicable income taxes	$383,000	2,213
Income before extraordinary items	$749,000	3,691
Extraordinary gains, net	$0	31
Net income	$749,000	3,690
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	3,837
Cash dividends	$146,000	4,155
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$749,000	3,828
2008-06-30 (YTD Data)		Rank
Total interest income	$4,956,000	3,669
Total interest expense	$2,376,000	3,302
Net interest income	$2,580,000	3,889
Provision for loan and lease losses	$202,000	3,132
Total noninterest income	$189,000	5,546
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$162,000	3,906
Trading account gains and fees	$0	149
Additional Noninterest Income	$27,000	6,905
Total noninterest expense	$1,560,000	5,004
Salaries and employee benefits	$857,000	4,995
Premises and equipment expense	$206,000	5,061
Additional noninterest expense	$497,000	4,737
Pre-tax net operating income	$1,007,000	2,928
Securities gains (losses)	$0	3,233
Applicable income taxes	$343,000	2,042
Income before extraordinary items	$664,000	3,416
Extraordinary gains, net	$0	21
Net income	$664,000	3,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	3,321
Cash dividends	$105,000	4,048
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$664,000	3,373
2008-03-31 (YTD Data)		Rank
Total interest income	$2,594,000	3,626
Total interest expense	$1,275,000	3,306
Net interest income	$1,319,000	3,821
Provision for loan and lease losses	$38,000	4,158
Total noninterest income	$92,000	5,603
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$76,000	3,987
Trading account gains and fees	$0	158
Additional Noninterest Income	$16,000	6,737
Total noninterest expense	$768,000	5,063
Salaries and employee benefits	$421,000	5,093
Premises and equipment expense	$102,000	5,112
Additional noninterest expense	$245,000	4,756
Pre-tax net operating income	$605,000	2,690
Securities gains (losses)	$0	2,688
Applicable income taxes	$207,000	1,926
Income before extraordinary items	$398,000	3,201
Extraordinary gains, net	$0	15
Net income	$398,000	3,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	2,651
Cash dividends	$75,000	3,138
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$398,000	3,123
2007-12-31 (YTD Data)		Rank
Total interest income	$10,934,000	3,546
Total interest expense	$5,214,000	3,362
Net interest income	$5,720,000	3,633
Provision for loan and lease losses	$233,000	3,649
Total noninterest income	$412,000	5,430
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$300,000	4,077
Trading account gains and fees	$0	178
Additional Noninterest Income	$112,000	6,039
Total noninterest expense	$3,294,000	4,718
Salaries and employee benefits	$1,841,000	4,674
Premises and equipment expense	$408,000	4,970
Additional noninterest expense	$1,045,000	4,513
Pre-tax net operating income	$2,605,000	2,737
Securities gains (losses)	$0	2,146
Applicable income taxes	$938,000	1,935
Income before extraordinary items	$1,667,000	3,205
Extraordinary gains, net	$0	39
Net income	$1,667,000	3,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,243
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,667,000	3,191
2007-09-30 (YTD Data)		Rank
Total interest income	$8,207,000	3,544
Total interest expense	$3,886,000	3,375
Net interest income	$4,321,000	3,628
Provision for loan and lease losses	$209,000	2,938
Total noninterest income	$309,000	5,475
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$238,000	3,975
Trading account gains and fees	$0	184
Additional Noninterest Income	$71,000	6,326
Total noninterest expense	$2,486,000	4,683
Salaries and employee benefits	$1,383,000	4,623
Premises and equipment expense	$262,000	5,407
Additional noninterest expense	$841,000	4,227
Pre-tax net operating income	$1,935,000	2,913
Securities gains (losses)	$0	1,655
Applicable income taxes	$672,000	2,137
Income before extraordinary items	$1,263,000	3,355
Extraordinary gains, net	$0	33
Net income	$1,263,000	3,354
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	4,329
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,263,000	3,345
2007-06-30 (YTD Data)		Rank
Total interest income	$5,354,000	3,605
Total interest expense	$2,517,000	3,435
Net interest income	$2,837,000	3,682
Provision for loan and lease losses	$133,000	2,833
Total noninterest income	$207,000	5,501
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$157,000	4,004
Trading account gains and fees	$0	168
Additional Noninterest Income	$50,000	6,275
Total noninterest expense	$1,649,000	4,704
Salaries and employee benefits	$918,000	4,684
Premises and equipment expense	$168,000	5,538
Additional noninterest expense	$563,000	4,205
Pre-tax net operating income	$1,262,000	3,006
Securities gains (losses)	$0	1,444
Applicable income taxes	$437,000	2,256
Income before extraordinary items	$825,000	3,454
Extraordinary gains, net	$0	29
Net income	$825,000	3,454
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	3,861
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$825,000	3,430
2007-03-31 (YTD Data)		Rank
Total interest income	$2,580,000	3,690
Total interest expense	$1,220,000	3,499
Net interest income	$1,360,000	3,799
Provision for loan and lease losses	$57,000	2,953
Total noninterest income	$96,000	5,628
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$74,000	4,056
Trading account gains and fees	$0	195
Additional Noninterest Income	$22,000	6,474
Total noninterest expense	$788,000	4,843
Salaries and employee benefits	$432,000	4,905
Premises and equipment expense	$81,000	5,658
Additional noninterest expense	$275,000	4,226
Pre-tax net operating income	$611,000	3,083
Securities gains (losses)	$0	1,187
Applicable income taxes	$208,000	2,349
Income before extraordinary items	$403,000	3,484
Extraordinary gains, net	$0	22
Net income	$403,000	3,484
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	2,637
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$403,000	3,459
2006-12-31 (YTD Data)		Rank
Total interest income	$8,208,000	4,132
Total interest expense	$3,233,000	4,121
Net interest income	$4,975,000	4,022
Provision for loan and lease losses	$433,000	2,140
Total noninterest income	$335,000	5,966
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$239,000	4,603
Trading account gains and fees	$0	130
Additional Noninterest Income	$96,000	6,397
Total noninterest expense	$2,810,000	5,112
Salaries and employee benefits	$1,545,000	5,096
Premises and equipment expense	$346,000	5,361
Additional noninterest expense	$919,000	4,790
Pre-tax net operating income	$2,067,000	3,565
Securities gains (losses)	$0	1,687
Applicable income taxes	$732,000	2,602
Income before extraordinary items	$1,335,000	4,029
Extraordinary gains, net	$0	51
Net income	$1,335,000	4,029
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,486
Cash dividends	$17,000	5,868
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,335,000	4,006
2006-09-30 (YTD Data)		Rank
Total interest income	$5,773,000	4,277
Total interest expense	$2,136,000	4,371
Net interest income	$3,637,000	4,120
Provision for loan and lease losses	$338,000	1,955
Total noninterest income	$239,000	6,108
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$169,000	4,780
Trading account gains and fees	$0	126
Additional Noninterest Income	$70,000	6,429
Total noninterest expense	$2,090,000	5,118
Salaries and employee benefits	$1,110,000	5,215
Premises and equipment expense	$271,000	5,242
Additional noninterest expense	$709,000	4,658
Pre-tax net operating income	$1,448,000	3,866
Securities gains (losses)	$0	1,388
Applicable income taxes	$493,000	2,884
Income before extraordinary items	$955,000	4,281
Extraordinary gains, net	$0	45
Net income	$955,000	4,284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,141
Cash dividends	$17,000	5,207
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$955,000	4,263
2006-06-30 (YTD Data)		Rank
Total interest income	$3,578,000	4,447
Total interest expense	$1,313,000	4,456
Net interest income	$2,265,000	4,350
Provision for loan and lease losses	$237,000	1,861
Total noninterest income	$153,000	6,200
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$108,000	4,845
Trading account gains and fees	$0	126
Additional Noninterest Income	$45,000	6,526
Total noninterest expense	$1,340,000	5,255
Salaries and employee benefits	$710,000	5,376
Premises and equipment expense	$175,000	5,326
Additional noninterest expense	$455,000	4,785
Pre-tax net operating income	$841,000	4,211
Securities gains (losses)	$0	1,185
Applicable income taxes	$285,000	3,112
Income before extraordinary items	$556,000	4,618
Extraordinary gains, net	$0	39
Net income	$556,000	4,622
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$17,000	4,990
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$556,000	4,609
2006-03-31 (YTD Data)		Rank
Total interest income	$1,620,000	4,686
Total interest expense	$631,000	4,443
Net interest income	$989,000	4,746
Provision for loan and lease losses	$66,000	2,697
Total noninterest income	$70,000	6,337
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$52,000	4,862
Trading account gains and fees	$0	115
Additional Noninterest Income	$18,000	6,859
Total noninterest expense	$644,000	5,385
Salaries and employee benefits	$353,000	5,415
Premises and equipment expense	$87,000	5,380
Additional noninterest expense	$204,000	5,117
Pre-tax net operating income	$349,000	4,591
Securities gains (losses)	$0	955
Applicable income taxes	$116,000	3,388
Income before extraordinary items	$233,000	5,004
Extraordinary gains, net	$0	21
Net income	$233,000	5,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$17,000	3,847
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$233,000	4,986
2005-12-31 (YTD Data)		Rank
Total interest income	$4,713,000	5,344
Total interest expense	$1,639,000	5,001
Net interest income	$3,074,000	5,436
Provision for loan and lease losses	$185,000	3,710
Total noninterest income	$271,000	6,527
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$200,000	5,039
Trading account gains and fees	$0	138
Additional Noninterest Income	$71,000	6,919
Total noninterest expense	$2,264,000	5,694
Salaries and employee benefits	$1,233,000	5,708
Premises and equipment expense	$433,000	4,625
Additional noninterest expense	$598,000	6,070
Pre-tax net operating income	$896,000	5,644
Securities gains (losses)	$0	2,296
Applicable income taxes	$328,000	4,012
Income before extraordinary items	$568,000	6,118
Extraordinary gains, net	$0	46
Net income	$568,000	6,123
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,746
Cash dividends	$50,000	5,775
Sale, conversion, retirement of capital stock, net	$10,000	884
Net operating income	$568,000	6,092
2005-09-30 (YTD Data)		Rank
Total interest income	$3,285,000	5,536
Total interest expense	$1,096,000	5,181
Net interest income	$2,189,000	5,602
Provision for loan and lease losses	$128,000	3,785
Total noninterest income	$192,000	6,667
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$158,000	4,964
Trading account gains and fees	$0	126
Additional Noninterest Income	$34,000	7,520
Total noninterest expense	$1,780,000	5,518
Salaries and employee benefits	$899,000	5,773
Premises and equipment expense	$230,000	5,668
Additional noninterest expense	$651,000	4,856
Pre-tax net operating income	$473,000	6,491
Securities gains (losses)	$0	2,317
Applicable income taxes	$133,000	4,952
Income before extraordinary items	$340,000	6,713
Extraordinary gains, net	$0	35
Net income	$340,000	6,712
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,463
Cash dividends	$50,000	5,017
Sale, conversion, retirement of capital stock, net	$10,000	721
Net operating income	$340,000	6,668
2005-06-30 (YTD Data)		Rank
Total interest income	$2,103,000	5,593
Total interest expense	$682,000	5,234
Net interest income	$1,421,000	5,665
Provision for loan and lease losses	$87,000	3,649
Total noninterest income	$129,000	6,618
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$106,000	4,913
Trading account gains and fees	$0	116
Additional Noninterest Income	$23,000	7,491
Total noninterest expense	$1,161,000	5,578
Salaries and employee benefits	$585,000	5,832
Premises and equipment expense	$215,000	4,569
Additional noninterest expense	$361,000	5,430
Pre-tax net operating income	$302,000	6,571
Securities gains (losses)	$0	2,146
Applicable income taxes	$80,000	5,075
Income before extraordinary items	$222,000	6,744
Extraordinary gains, net	$0	30
Net income	$222,000	6,745
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,238
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$10,000	589
Net operating income	$222,000	6,695
2005-03-31 (YTD Data)		Rank
Total interest income	$979,000	5,796
Total interest expense	$306,000	5,421
Net interest income	$673,000	5,854
Provision for loan and lease losses	$47,000	3,284
Total noninterest income	$66,000	6,549
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$55,000	4,780
Trading account gains and fees	$0	115
Additional Noninterest Income	$11,000	7,631
Total noninterest expense	$565,000	5,701
Salaries and employee benefits	$286,000	5,942
Premises and equipment expense	$105,000	4,711
Additional noninterest expense	$174,000	5,522
Pre-tax net operating income	$127,000	6,868
Securities gains (losses)	$0	1,685
Applicable income taxes	$28,000	5,369
Income before extraordinary items	$99,000	6,919
Extraordinary gains, net	$0	24
Net income	$99,000	6,921
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,095
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$10,000	433
Net operating income	$99,000	6,890
2004-12-31 (YTD Data)		Rank
Total interest income	$3,215,000	6,230
Total interest expense	$909,000	5,918
Net interest income	$2,306,000	6,230
Provision for loan and lease losses	$154,000	4,191
Total noninterest income	$232,000	6,903
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$196,000	5,268
Trading account gains and fees	$0	138
Additional Noninterest Income	$36,000	7,787
Total noninterest expense	$1,789,000	6,379
Salaries and employee benefits	$848,000	6,792
Premises and equipment expense	$420,000	4,614
Additional noninterest expense	$521,000	6,420
Pre-tax net operating income	$595,000	6,398
Securities gains (losses)	$0	3,819
Applicable income taxes	$119,000	5,339
Income before extraordinary items	$476,000	6,450
Extraordinary gains, net	$0	34
Net income	$476,000	6,453
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,978
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$10,000	818
Net operating income	$476,000	6,384
2004-09-30 (YTD Data)		Rank
Total interest income	$2,320,000	6,341
Total interest expense	$663,000	5,975
Net interest income	$1,657,000	6,369
Provision for loan and lease losses	$84,000	4,668
Total noninterest income	$172,000	6,960
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$147,000	5,309
Trading account gains and fees	$0	134
Additional Noninterest Income	$25,000	7,883
Total noninterest expense	$1,265,000	6,521
Salaries and employee benefits	$585,000	6,965
Premises and equipment expense	$304,000	4,707
Additional noninterest expense	$376,000	6,498
Pre-tax net operating income	$480,000	6,404
Securities gains (losses)	$0	3,710
Applicable income taxes	$97,000	5,386
Income before extraordinary items	$383,000	6,427
Extraordinary gains, net	$0	26
Net income	$383,000	6,427
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$383,000	6,350
2004-06-30 (YTD Data)		Rank
Total interest income	$1,528,000	6,402
Total interest expense	$433,000	6,060
Net interest income	$1,095,000	6,420
Provision for loan and lease losses	$59,000	4,536
Total noninterest income	$114,000	6,996
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$99,000	5,285
Trading account gains and fees	$0	130
Additional Noninterest Income	$15,000	8,015
Total noninterest expense	$815,000	6,661
Salaries and employee benefits	$369,000	7,155
Premises and equipment expense	$199,000	4,771
Additional noninterest expense	$247,000	6,570
Pre-tax net operating income	$335,000	6,275
Securities gains (losses)	$0	3,413
Applicable income taxes	$68,000	5,316
Income before extraordinary items	$267,000	6,301
Extraordinary gains, net	$0	21
Net income	$267,000	6,302
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,839
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$267,000	6,214
2004-03-31 (YTD Data)		Rank
Total interest income	$735,000	6,552
Total interest expense	$214,000	6,161
Net interest income	$521,000	6,573
Provision for loan and lease losses	$29,000	4,417
Total noninterest income	$58,000	6,943
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$51,000	5,172
Trading account gains and fees	$0	121
Additional Noninterest Income	$7,000	8,076
Total noninterest expense	$390,000	6,827
Salaries and employee benefits	$180,000	7,262
Premises and equipment expense	$93,000	5,051
Additional noninterest expense	$117,000	6,746
Pre-tax net operating income	$160,000	6,310
Securities gains (losses)	$0	2,934
Applicable income taxes	$32,000	5,327
Income before extraordinary items	$128,000	6,375
Extraordinary gains, net	$0	16
Net income	$128,000	6,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,591
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$128,000	6,262
2003-12-31 (YTD Data)		Rank
Total interest income	$2,485,000	7,052
Total interest expense	$765,000	6,827
Net interest income	$1,720,000	7,031
Provision for loan and lease losses	$231,000	3,752
Total noninterest income	$201,000	7,338
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$172,000	5,589
Trading account gains and fees	$0	160
Additional Noninterest Income	$29,000	8,154
Total noninterest expense	$1,418,000	7,037
Salaries and employee benefits	$659,000	7,465
Premises and equipment expense	$364,000	5,044
Additional noninterest expense	$395,000	7,188
Pre-tax net operating income	$272,000	7,544
Securities gains (losses)	$0	4,500
Applicable income taxes	$0	7,459
Income before extraordinary items	$272,000	7,412
Extraordinary gains, net	$0	54
Net income	$272,000	7,413
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,204
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$272,000	7,275
2003-09-30 (YTD Data)		Rank
Total interest income	$1,773,000	7,265
Total interest expense	$558,000	7,040
Net interest income	$1,215,000	7,234
Provision for loan and lease losses	$159,000	3,802
Total noninterest income	$140,000	7,510
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$124,000	5,723
Trading account gains and fees	$0	153
Additional Noninterest Income	$16,000	8,420
Total noninterest expense	$1,021,000	7,147
Salaries and employee benefits	$481,000	7,481
Premises and equipment expense	$264,000	5,147
Additional noninterest expense	$276,000	7,347
Pre-tax net operating income	$175,000	7,848
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$175,000	7,750
Extraordinary gains, net	$0	40
Net income	$175,000	7,751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	5,530
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$175,000	7,604
2003-06-30 (YTD Data)		Rank
Total interest income	$1,102,000	7,488
Total interest expense	$369,000	7,200
Net interest income	$733,000	7,489
Provision for loan and lease losses	$88,000	4,188
Total noninterest income	$91,000	7,553
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$79,000	5,792
Trading account gains and fees	$0	150
Additional Noninterest Income	$12,000	8,333
Total noninterest expense	$668,000	7,221
Salaries and employee benefits	$321,000	7,504
Premises and equipment expense	$174,000	5,157
Additional noninterest expense	$173,000	7,484
Pre-tax net operating income	$68,000	8,242
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$68,000	8,245
Extraordinary gains, net	$0	30
Net income	$68,000	8,246
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$68,000	8,094
2003-03-31 (YTD Data)		Rank
Total interest income	$528,000	7,611
Total interest expense	$189,000	7,238
Net interest income	$339,000	7,665
Provision for loan and lease losses	$23,000	5,064
Total noninterest income	$46,000	7,509
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$41,000	5,632
Trading account gains and fees	$0	134
Additional Noninterest Income	$5,000	8,460
Total noninterest expense	$322,000	7,339
Salaries and employee benefits	$157,000	7,594
Premises and equipment expense	$87,000	5,158
Additional noninterest expense	$78,000	7,720
Pre-tax net operating income	$40,000	8,152
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$40,000	8,099
Extraordinary gains, net	$0	21
Net income	$40,000	8,099
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$40,000	7,953
2002-12-31 (YTD Data)		Rank
Total interest income	$2,228,000	7,620
Total interest expense	$869,000	7,295
Net interest income	$1,359,000	7,659
Provision for loan and lease losses	$83,000	6,026
Total noninterest income	$186,000	7,458
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$161,000	5,692
Trading account gains and fees	$0	153
Additional Noninterest Income	$25,000	8,373
Total noninterest expense	$1,280,000	7,294
Salaries and employee benefits	$540,000	7,968
Premises and equipment expense	$365,000	4,960
Additional noninterest expense	$375,000	7,315
Pre-tax net operating income	$182,000	7,997
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$182,000	7,935
Extraordinary gains, net	$0	70
Net income	$182,000	7,936
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	5,538
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$681,000	434
Net operating income	$182,000	7,822
2001-12-31 (YTD Data)		Rank
Total interest income	$1,985,000	8,226
Total interest expense	$1,035,000	7,952
Net interest income	$950,000	8,388
Provision for loan and lease losses	$116,000	5,357
Total noninterest income	$203,000	7,279
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$150,000	5,795
Trading account gains and fees	$0	177
Additional Noninterest Income	$53,000	7,596
Total noninterest expense	$1,115,000	7,657
Salaries and employee benefits	$460,000	8,356
Premises and equipment expense	$386,000	4,702
Additional noninterest expense	$269,000	8,080
Pre-tax net operating income	$-78,000	8,840
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$-78,000	8,933
Extraordinary gains, net	$0	105
Net income	$-78,000	8,933
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,947
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$-25,000	9,466
Net operating income	$-78,000	8,873
2000-12-31 (YTD Data)		Rank
Total interest income	$1,030,000	9,374
Total interest expense	$457,000	9,327
Net interest income	$573,000	9,332
Provision for loan and lease losses	$122,000	4,805
Total noninterest income	$88,000	8,763
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	7,127
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	9,226
Total noninterest expense	$1,298,000	7,251
Salaries and employee benefits	$595,000	7,725
Premises and equipment expense	$346,000	4,972
Additional noninterest expense	$357,000	7,500
Pre-tax net operating income	$-759,000	9,651
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$-759,000	9,674
Extraordinary gains, net	$0	38
Net income	$-759,000	9,673
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,352
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$3,561,000	277
Net operating income	$-759,000	9,672

* 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.