Home > First Trust & Savings Bank of Albany, Illinois > Income and Expense

First Trust & Savings Bank of Albany, Illinois, Income and Expense

2019-09-30 (YTD Data)		Rank
Total interest income	$5,248,000	3,227
Total interest expense	$902,000	3,075
Net interest income	$4,346,000	3,205
Provision for loan and lease losses	$-261,000	5,156
Total noninterest income	$180,000	4,382
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$94,000	3,750
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	4,391
Total noninterest expense	$2,630,000	3,679
Salaries and employee benefits	$1,470,000	3,661
Premises and equipment expense	$251,000	3,792
Additional noninterest expense	$909,000	3,498
Pre-tax net operating income	$2,157,000	2,590
Securities gains (losses)	$0	2,167
Applicable income taxes	$27,000	3,475
Income before extraordinary items	$2,130,000	2,427
Extraordinary gains, net	$0	11
Net income	$2,130,000	2,428
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,130,000	2,428
Net charge-offs	$42,000	2,332
Cash dividends	$2,680,000	956
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,130,000	2,399
2019-06-30 (YTD Data)		Rank
Total interest income	$3,481,000	3,244
Total interest expense	$584,000	3,099
Net interest income	$2,897,000	3,214
Provision for loan and lease losses	$-86,000	5,176
Total noninterest income	$116,000	4,438
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$61,000	3,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	4,438
Total noninterest expense	$1,719,000	3,735
Salaries and employee benefits	$975,000	3,690
Premises and equipment expense	$162,000	3,859
Additional noninterest expense	$582,000	3,601
Pre-tax net operating income	$1,380,000	2,648
Securities gains (losses)	$0	1,702
Applicable income taxes	$18,000	3,464
Income before extraordinary items	$1,362,000	2,463
Extraordinary gains, net	$0	11
Net income	$1,362,000	2,463
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,362,000	2,463
Net charge-offs	$13,000	2,505
Cash dividends	$1,900,000	918
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,362,000	2,437
2019-03-31 (YTD Data)		Rank
Total interest income	$1,735,000	3,272
Total interest expense	$283,000	3,125
Net interest income	$1,452,000	3,247
Provision for loan and lease losses	$14,000	2,997
Total noninterest income	$34,000	4,791
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$32,000	3,744
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,000	5,171
Total noninterest expense	$850,000	3,800
Salaries and employee benefits	$490,000	3,727
Premises and equipment expense	$73,000	4,051
Additional noninterest expense	$287,000	3,648
Pre-tax net operating income	$622,000	2,765
Securities gains (losses)	$0	1,087
Applicable income taxes	$9,000	3,424
Income before extraordinary items	$613,000	2,590
Extraordinary gains, net	$0	5
Net income	$613,000	2,589
Minority interest net income	$0	52
Net income of bank and minority interests.	$613,000	2,589
Net charge-offs	$1,000	2,582
Cash dividends	$630,000	1,143
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$613,000	2,573
2018-12-31 (YTD Data)		Rank
Total interest income	$6,792,000	3,217
Total interest expense	$1,009,000	2,906
Net interest income	$5,783,000	3,238
Provision for loan and lease losses	$-150,000	5,208
Total noninterest income	$423,000	3,981
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$156,000	3,634
Trading account gains and fees	NA	NA
Additional Noninterest Income	$267,000	3,800
Total noninterest expense	$3,501,000	3,738
Salaries and employee benefits	$1,960,000	3,722
Premises and equipment expense	$443,000	3,364
Additional noninterest expense	$1,098,000	3,743
Pre-tax net operating income	$2,855,000	2,583
Securities gains (losses)	$0	1,125
Applicable income taxes	$36,000	3,476
Income before extraordinary items	$2,819,000	2,408
Extraordinary gains, net	$0	6
Net income	$2,819,000	2,407
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,819,000	2,407
Net charge-offs	$216,000	1,591
Cash dividends	$2,233,000	1,358
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,819,000	2,407
2018-09-30 (YTD Data)		Rank
Total interest income	$5,124,000	3,215
Total interest expense	$733,000	2,888
Net interest income	$4,391,000	3,237
Provision for loan and lease losses	$-150,000	5,310
Total noninterest income	$312,000	4,039
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$116,000	3,671
Trading account gains and fees	NA	NA
Additional Noninterest Income	$196,000	3,865
Total noninterest expense	$2,713,000	3,692
Salaries and employee benefits	$1,427,000	3,789
Premises and equipment expense	$338,000	3,379
Additional noninterest expense	$948,000	3,501
Pre-tax net operating income	$2,140,000	2,619
Securities gains (losses)	$0	1,118
Applicable income taxes	$27,000	3,545
Income before extraordinary items	$2,113,000	2,422
Extraordinary gains, net	$0	5
Net income	$2,113,000	2,421
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,113,000	2,421
Net charge-offs	$53,000	2,169
Cash dividends	$2,233,000	981
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,113,000	2,423
2018-06-30 (YTD Data)		Rank
Total interest income	$3,403,000	3,206
Total interest expense	$488,000	2,831
Net interest income	$2,915,000	3,242
Provision for loan and lease losses	$-150,000	5,396
Total noninterest income	$197,000	4,118
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$77,000	3,673
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	3,974
Total noninterest expense	$1,800,000	3,719
Salaries and employee benefits	$969,000	3,773
Premises and equipment expense	$230,000	3,353
Additional noninterest expense	$601,000	3,611
Pre-tax net operating income	$1,462,000	2,562
Securities gains (losses)	$0	961
Applicable income taxes	$18,000	3,549
Income before extraordinary items	$1,444,000	2,368
Extraordinary gains, net	$0	6
Net income	$1,444,000	2,367
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,444,000	2,367
Net charge-offs	$65,000	1,587
Cash dividends	$1,532,000	936
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,444,000	2,364
2018-03-31 (YTD Data)		Rank
Total interest income	$1,668,000	3,249
Total interest expense	$254,000	2,724
Net interest income	$1,414,000	3,308
Provision for loan and lease losses	$0	3,508
Total noninterest income	$113,000	3,956
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$38,000	3,709
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	3,721
Total noninterest expense	$946,000	3,663
Salaries and employee benefits	$518,000	3,688
Premises and equipment expense	$118,000	3,355
Additional noninterest expense	$310,000	3,588
Pre-tax net operating income	$581,000	2,865
Securities gains (losses)	$0	735
Applicable income taxes	$9,000	3,531
Income before extraordinary items	$572,000	2,687
Extraordinary gains, net	$0	7
Net income	$572,000	2,687
Minority interest net income	$0	52
Net income of bank and minority interests.	$572,000	2,687
Net charge-offs	$55,000	1,143
Cash dividends	$280,000	1,665
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$572,000	2,680
2017-12-31 (YTD Data)		Rank
Total interest income	$7,172,000	3,077
Total interest expense	$1,151,000	2,310
Net interest income	$6,021,000	3,171
Provision for loan and lease losses	$150,000	2,647
Total noninterest income	$527,000	3,869
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$183,000	3,571
Trading account gains and fees	NA	NA
Additional Noninterest Income	$344,000	3,634
Total noninterest expense	$4,317,000	3,411
Salaries and employee benefits	$2,426,000	3,386
Premises and equipment expense	$543,000	3,105
Additional noninterest expense	$1,348,000	3,436
Pre-tax net operating income	$2,081,000	3,045
Securities gains (losses)	$0	2,243
Applicable income taxes	$25,000	3,707
Income before extraordinary items	$2,056,000	2,651
Extraordinary gains, net	$0	9
Net income	$2,056,000	2,649
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,056,000	2,651
Net charge-offs	$203,000	1,818
Cash dividends	$780,000	2,507
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,056,000	2,631
2017-09-30 (YTD Data)		Rank
Total interest income	$5,400,000	3,101
Total interest expense	$904,000	2,223
Net interest income	$4,496,000	3,202
Provision for loan and lease losses	$150,000	2,287
Total noninterest income	$379,000	3,949
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$141,000	3,559
Trading account gains and fees	NA	NA
Additional Noninterest Income	$238,000	3,772
Total noninterest expense	$3,246,000	3,407
Salaries and employee benefits	$1,799,000	3,420
Premises and equipment expense	$412,000	3,111
Additional noninterest expense	$1,035,000	3,404
Pre-tax net operating income	$1,479,000	3,210
Securities gains (losses)	$0	2,274
Applicable income taxes	$45,000	3,495
Income before extraordinary items	$1,434,000	2,925
Extraordinary gains, net	$0	9
Net income	$1,434,000	2,924
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,434,000	2,925
Net charge-offs	$111,000	1,832
Cash dividends	$780,000	1,962
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,434,000	2,904
2017-06-30 (YTD Data)		Rank
Total interest income	$3,618,000	3,071
Total interest expense	$644,000	2,098
Net interest income	$2,974,000	3,209
Provision for loan and lease losses	$0	3,871
Total noninterest income	$229,000	4,100
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$91,000	3,601
Trading account gains and fees	NA	NA
Additional Noninterest Income	$138,000	3,954
Total noninterest expense	$2,172,000	3,421
Salaries and employee benefits	$1,213,000	3,421
Premises and equipment expense	$262,000	3,211
Additional noninterest expense	$697,000	3,404
Pre-tax net operating income	$1,031,000	3,080
Securities gains (losses)	$0	1,906
Applicable income taxes	$30,000	3,506
Income before extraordinary items	$1,001,000	2,816
Extraordinary gains, net	$0	11
Net income	$1,001,000	2,816
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,001,000	2,816
Net charge-offs	$56,000	1,916
Cash dividends	$580,000	1,844
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,001,000	2,799
2017-03-31 (YTD Data)		Rank
Total interest income	$1,780,000	3,105
Total interest expense	$383,000	1,808
Net interest income	$1,397,000	3,341
Provision for loan and lease losses	$0	3,537
Total noninterest income	$120,000	4,036
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$45,000	3,646
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	3,862
Total noninterest expense	$1,115,000	3,394
Salaries and employee benefits	$653,000	3,313
Premises and equipment expense	$130,000	3,272
Additional noninterest expense	$332,000	3,506
Pre-tax net operating income	$402,000	3,414
Securities gains (losses)	$0	1,153
Applicable income taxes	$15,000	3,466
Income before extraordinary items	$387,000	3,192
Extraordinary gains, net	$0	8
Net income	$387,000	3,190
Minority interest net income	$0	55
Net income of bank and minority interests.	$387,000	3,192
Net charge-offs	$47,000	1,374
Cash dividends	$110,000	2,335
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$387,000	3,171
2016-12-31 (YTD Data)		Rank
Total interest income	$8,384,000	2,756
Total interest expense	$1,360,000	1,936
Net interest income	$7,024,000	2,874
Provision for loan and lease losses	$224,000	2,318
Total noninterest income	$722,000	3,541
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$192,000	3,632
Trading account gains and fees	$0	170
Additional Noninterest Income	$530,000	3,185
Total noninterest expense	$5,135,000	3,139
Salaries and employee benefits	$2,723,000	3,235
Premises and equipment expense	$705,000	2,718
Additional noninterest expense	$1,707,000	3,067
Pre-tax net operating income	$2,387,000	2,752
Securities gains (losses)	$50,000	1,842
Applicable income taxes	$60,000	3,541
Income before extraordinary items	$2,377,000	2,494
Extraordinary gains, net	$0	5
Net income	$2,377,000	2,493
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,377,000	2,494
Net charge-offs	$218,000	1,845
Cash dividends	$1,260,000	1,903
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,328,000	2,481
2016-09-30 (YTD Data)		Rank
Total interest income	$6,320,000	2,752
Total interest expense	$1,024,000	1,942
Net interest income	$5,296,000	2,869
Provision for loan and lease losses	$160,000	2,288
Total noninterest income	$516,000	3,632
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$138,000	3,725
Trading account gains and fees	$0	169
Additional Noninterest Income	$378,000	3,261
Total noninterest expense	$3,906,000	3,106
Salaries and employee benefits	$2,095,000	3,169
Premises and equipment expense	$536,000	2,706
Additional noninterest expense	$1,275,000	3,073
Pre-tax net operating income	$1,746,000	2,844
Securities gains (losses)	$50,000	1,770
Applicable income taxes	$45,000	3,602
Income before extraordinary items	$1,751,000	2,559
Extraordinary gains, net	$0	5
Net income	$1,751,000	2,560
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,751,000	2,560
Net charge-offs	$-14,000	5,007
Cash dividends	$1,260,000	1,439
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,702,500	2,538
2016-06-30 (YTD Data)		Rank
Total interest income	$4,304,000	2,723
Total interest expense	$678,000	1,956
Net interest income	$3,626,000	2,824
Provision for loan and lease losses	$10,000	3,761
Total noninterest income	$297,000	3,856
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$112,000	3,448
Trading account gains and fees	$0	157
Additional Noninterest Income	$185,000	3,711
Total noninterest expense	$2,503,000	3,198
Salaries and employee benefits	$1,413,000	3,172
Premises and equipment expense	$356,000	2,726
Additional noninterest expense	$734,000	3,425
Pre-tax net operating income	$1,410,000	2,506
Securities gains (losses)	$50,000	1,421
Applicable income taxes	$30,000	3,630
Income before extraordinary items	$1,430,000	2,212
Extraordinary gains, net	$0	16
Net income	$1,430,000	2,211
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,430,000	2,211
Net charge-offs	$-16,000	5,135
Cash dividends	$1,040,000	1,269
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,381,000	2,201
2016-03-31 (YTD Data)		Rank
Total interest income	$2,181,000	2,701
Total interest expense	$322,000	2,027
Net interest income	$1,859,000	2,773
Provision for loan and lease losses	$0	3,656
Total noninterest income	$152,000	3,804
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$54,000	3,493
Trading account gains and fees	$0	142
Additional Noninterest Income	$98,000	3,580
Total noninterest expense	$1,183,000	3,335
Salaries and employee benefits	$687,000	3,250
Premises and equipment expense	$178,000	2,755
Additional noninterest expense	$318,000	3,740
Pre-tax net operating income	$828,000	2,208
Securities gains (losses)	$0	2,077
Applicable income taxes	$15,000	3,602
Income before extraordinary items	$813,000	1,963
Extraordinary gains, net	$0	12
Net income	$813,000	1,963
Minority interest net income	$0	62
Net income of bank and minority interests.	$813,000	1,963
Net charge-offs	$-20,000	5,466
Cash dividends	$460,000	1,276
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$813,000	1,908
2015-12-31 (YTD Data)		Rank
Total interest income	$8,895,000	2,626
Total interest expense	$1,379,000	1,901
Net interest income	$7,516,000	2,719
Provision for loan and lease losses	$745,000	1,025
Total noninterest income	$628,000	3,823
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$199,000	3,719
Trading account gains and fees	$0	159
Additional Noninterest Income	$429,000	3,496
Total noninterest expense	$4,677,000	3,378
Salaries and employee benefits	$2,614,000	3,306
Premises and equipment expense	$638,000	2,980
Additional noninterest expense	$1,425,000	3,519
Pre-tax net operating income	$2,722,000	2,486
Securities gains (losses)	$16,000	2,359
Applicable income taxes	$50,000	3,634
Income before extraordinary items	$2,688,000	2,216
Extraordinary gains, net	$0	23
Net income	$2,688,000	2,216
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,688,000	2,217
Net charge-offs	$-2,000	4,930
Cash dividends	$1,400,000	1,721
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,672,320	2,183
2015-09-30 (YTD Data)		Rank
Total interest income	$6,701,000	2,630
Total interest expense	$1,004,000	1,959
Net interest income	$5,697,000	2,721
Provision for loan and lease losses	$670,000	829
Total noninterest income	$499,000	3,735
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$148,000	3,765
Trading account gains and fees	$0	153
Additional Noninterest Income	$351,000	3,387
Total noninterest expense	$3,483,000	3,414
Salaries and employee benefits	$2,008,000	3,275
Premises and equipment expense	$464,000	3,086
Additional noninterest expense	$1,011,000	3,657
Pre-tax net operating income	$2,043,000	2,532
Securities gains (losses)	$-4,000	5,921
Applicable income taxes	$45,000	3,675
Income before extraordinary items	$1,994,000	2,269
Extraordinary gains, net	$0	21
Net income	$1,994,000	2,270
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,994,000	2,270
Net charge-offs	$-14,000	5,255
Cash dividends	$1,400,000	1,277
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,997,920	2,228
2015-06-30 (YTD Data)		Rank
Total interest income	$4,470,000	2,631
Total interest expense	$647,000	2,022
Net interest income	$3,823,000	2,712
Provision for loan and lease losses	$170,000	1,668
Total noninterest income	$251,000	4,217
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$93,000	3,833
Trading account gains and fees	$0	157
Additional Noninterest Income	$158,000	3,957
Total noninterest expense	$2,329,000	3,437
Salaries and employee benefits	$1,283,000	3,388
Premises and equipment expense	$302,000	3,153
Additional noninterest expense	$744,000	3,444
Pre-tax net operating income	$1,575,000	2,254
Securities gains (losses)	$-4,000	6,027
Applicable income taxes	$30,000	3,682
Income before extraordinary items	$1,541,000	1,998
Extraordinary gains, net	$0	22
Net income	$1,541,000	2,001
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,541,000	2,000
Net charge-offs	$-131,000	5,975
Cash dividends	$1,030,000	1,190
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,544,920	1,945
2015-03-31 (YTD Data)		Rank
Total interest income	$2,231,000	2,631
Total interest expense	$325,000	2,021
Net interest income	$1,906,000	2,708
Provision for loan and lease losses	$41,000	2,290
Total noninterest income	$84,000	4,746
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$44,000	3,897
Trading account gains and fees	$0	152
Additional Noninterest Income	$40,000	4,757
Total noninterest expense	$1,126,000	3,536
Salaries and employee benefits	$666,000	3,338
Premises and equipment expense	$141,000	3,330
Additional noninterest expense	$319,000	3,817
Pre-tax net operating income	$823,000	2,168
Securities gains (losses)	$-4,000	6,162
Applicable income taxes	$15,000	3,667
Income before extraordinary items	$804,000	1,919
Extraordinary gains, net	$0	13
Net income	$804,000	1,921
Minority interest net income	$0	64
Net income of bank and minority interests.	$804,000	1,922
Net charge-offs	$-102,000	6,125
Cash dividends	$480,000	1,162
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$807,920	1,851
2014-12-31 (YTD Data)		Rank
Total interest income	$8,404,000	2,780
Total interest expense	$1,356,000	2,057
Net interest income	$7,048,000	2,871
Provision for loan and lease losses	$350,000	1,826
Total noninterest income	$315,000	4,938
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$189,000	4,001
Trading account gains and fees	$0	180
Additional Noninterest Income	$126,000	5,034
Total noninterest expense	$3,784,000	3,948
Salaries and employee benefits	$2,288,000	3,702
Premises and equipment expense	$573,000	3,331
Additional noninterest expense	$923,000	4,622
Pre-tax net operating income	$3,229,000	2,152
Securities gains (losses)	$298,000	609
Applicable income taxes	$35,000	3,849
Income before extraordinary items	$3,492,000	1,772
Extraordinary gains, net	$0	17
Net income	$3,492,000	1,772
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,492,000	1,771
Net charge-offs	$235,000	2,293
Cash dividends	$1,212,000	1,786
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,196,980	1,877
2014-09-30 (YTD Data)		Rank
Total interest income	$6,242,000	2,818
Total interest expense	$1,037,000	2,060
Net interest income	$5,205,000	2,941
Provision for loan and lease losses	$350,000	1,487
Total noninterest income	$228,000	5,031
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$133,000	4,168
Trading account gains and fees	$0	174
Additional Noninterest Income	$95,000	5,103
Total noninterest expense	$2,667,000	4,118
Salaries and employee benefits	$1,634,000	3,829
Premises and equipment expense	$355,000	3,811
Additional noninterest expense	$678,000	4,677
Pre-tax net operating income	$2,416,000	2,194
Securities gains (losses)	$298,000	481
Applicable income taxes	$32,000	3,836
Income before extraordinary items	$2,682,000	1,741
Extraordinary gains, net	$0	15
Net income	$2,682,000	1,742
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,682,000	1,741
Net charge-offs	$17,000	3,912
Cash dividends	$1,212,000	1,344
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,386,980	1,868
2014-06-30 (YTD Data)		Rank
Total interest income	$4,113,000	2,857
Total interest expense	$682,000	2,095
Net interest income	$3,431,000	2,970
Provision for loan and lease losses	$226,000	1,536
Total noninterest income	$146,000	5,082
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$81,000	4,311
Trading account gains and fees	$0	172
Additional Noninterest Income	$65,000	5,072
Total noninterest expense	$1,730,000	4,206
Salaries and employee benefits	$1,049,000	3,922
Premises and equipment expense	$231,000	3,884
Additional noninterest expense	$450,000	4,714
Pre-tax net operating income	$1,621,000	2,148
Securities gains (losses)	$146,000	595
Applicable income taxes	$21,000	3,824
Income before extraordinary items	$1,746,000	1,722
Extraordinary gains, net	$0	20
Net income	$1,746,000	1,725
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,746,000	1,724
Net charge-offs	$16,000	3,514
Cash dividends	$912,000	1,242
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,601,460	1,824
2014-03-31 (YTD Data)		Rank
Total interest income	$2,045,000	2,879
Total interest expense	$339,000	2,147
Net interest income	$1,706,000	2,985
Provision for loan and lease losses	$151,000	1,185
Total noninterest income	$87,000	4,843
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$38,000	4,409
Trading account gains and fees	$0	147
Additional Noninterest Income	$49,000	4,588
Total noninterest expense	$883,000	4,186
Salaries and employee benefits	$533,000	3,916
Premises and equipment expense	$118,000	3,868
Additional noninterest expense	$232,000	4,659
Pre-tax net operating income	$759,000	2,187
Securities gains (losses)	$128,000	365
Applicable income taxes	$11,000	3,783
Income before extraordinary items	$876,000	1,675
Extraordinary gains, net	$0	16
Net income	$876,000	1,679
Minority interest net income	$0	66
Net income of bank and minority interests.	$876,000	1,678
Net charge-offs	$11,000	2,795
Cash dividends	$450,000	1,107
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$749,280	1,873
2013-12-31 (YTD Data)		Rank
Total interest income	$7,447,000	3,103
Total interest expense	$1,349,000	2,364
Net interest income	$6,098,000	3,238
Provision for loan and lease losses	$383,000	2,161
Total noninterest income	$418,000	4,685
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$190,000	4,185
Trading account gains and fees	$0	184
Additional Noninterest Income	$228,000	4,441
Total noninterest expense	$3,364,000	4,350
Salaries and employee benefits	$1,915,000	4,165
Premises and equipment expense	$377,000	4,368
Additional noninterest expense	$1,072,000	4,438
Pre-tax net operating income	$2,769,000	2,294
Securities gains (losses)	$99,000	1,320
Applicable income taxes	$39,000	3,865
Income before extraordinary items	$2,829,000	1,986
Extraordinary gains, net	$0	29
Net income	$2,829,000	1,989
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,829,000	1,990
Net charge-offs	$97,000	3,767
Cash dividends	$1,093,000	1,832
Sale, conversion, retirement of capital stock, net	$252,000	385
Net operating income	$2,730,990	1,989
2013-09-30 (YTD Data)		Rank
Total interest income	$5,421,000	3,198
Total interest expense	$1,008,000	2,427
Net interest income	$4,413,000	3,344
Provision for loan and lease losses	$229,000	2,390
Total noninterest income	$309,000	4,772
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$139,000	4,253
Trading account gains and fees	$0	180
Additional Noninterest Income	$170,000	4,532
Total noninterest expense	$2,475,000	4,418
Salaries and employee benefits	$1,394,000	4,248
Premises and equipment expense	$245,000	4,690
Additional noninterest expense	$836,000	4,374
Pre-tax net operating income	$2,018,000	2,401
Securities gains (losses)	$70,000	1,441
Applicable income taxes	$31,000	3,929
Income before extraordinary items	$2,057,000	2,080
Extraordinary gains, net	$0	25
Net income	$2,057,000	2,088
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,057,000	2,087
Net charge-offs	$28,000	4,232
Cash dividends	$1,093,000	1,354
Sale, conversion, retirement of capital stock, net	$252,000	303
Net operating income	$1,987,700	2,080
2013-06-30 (YTD Data)		Rank
Total interest income	$3,514,000	3,275
Total interest expense	$667,000	2,495
Net interest income	$2,847,000	3,414
Provision for loan and lease losses	$223,000	1,994
Total noninterest income	$219,000	4,719
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$85,000	4,396
Trading account gains and fees	$0	157
Additional Noninterest Income	$134,000	4,358
Total noninterest expense	$1,577,000	4,528
Salaries and employee benefits	$876,000	4,426
Premises and equipment expense	$148,000	4,923
Additional noninterest expense	$553,000	4,396
Pre-tax net operating income	$1,266,000	2,504
Securities gains (losses)	$70,000	1,319
Applicable income taxes	$21,000	3,928
Income before extraordinary items	$1,315,000	2,141
Extraordinary gains, net	$0	22
Net income	$1,315,000	2,149
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,315,000	2,147
Net charge-offs	$-26,000	6,391
Cash dividends	$823,000	1,260
Sale, conversion, retirement of capital stock, net	$252,000	241
Net operating income	$1,246,400	2,148
2013-03-31 (YTD Data)		Rank
Total interest income	$1,733,000	3,337
Total interest expense	$322,000	2,634
Net interest income	$1,411,000	3,440
Provision for loan and lease losses	$23,000	3,509
Total noninterest income	$75,000	5,254
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$41,000	4,435
Trading account gains and fees	$0	148
Additional Noninterest Income	$34,000	5,178
Total noninterest expense	$729,000	4,759
Salaries and employee benefits	$430,000	4,505
Premises and equipment expense	$71,000	5,034
Additional noninterest expense	$228,000	4,854
Pre-tax net operating income	$734,000	2,186
Securities gains (losses)	$8,000	1,546
Applicable income taxes	$10,000	3,924
Income before extraordinary items	$732,000	1,934
Extraordinary gains, net	$0	10
Net income	$732,000	1,935
Minority interest net income	$0	76
Net income of bank and minority interests.	$732,000	1,936
Net charge-offs	$1,000	4,010
Cash dividends	$408,000	1,080
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$724,080	1,865
2012-12-31 (YTD Data)		Rank
Total interest income	$6,768,000	3,516
Total interest expense	$1,600,000	2,589
Net interest income	$5,168,000	3,735
Provision for loan and lease losses	$54,000	5,157
Total noninterest income	$612,000	4,144
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$235,000	3,980
Trading account gains and fees	$0	166
Additional Noninterest Income	$377,000	3,714
Total noninterest expense	$2,799,000	4,907
Salaries and employee benefits	$1,570,000	4,732
Premises and equipment expense	$266,000	5,210
Additional noninterest expense	$963,000	4,878
Pre-tax net operating income	$2,927,000	2,131
Securities gains (losses)	$10,000	3,374
Applicable income taxes	$40,000	3,968
Income before extraordinary items	$2,897,000	1,921
Extraordinary gains, net	$0	29
Net income	$2,897,000	1,920
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,897,000	1,922
Net charge-offs	$-22,000	6,720
Cash dividends	$1,084,000	1,855
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,887,100	1,822
2012-09-30 (YTD Data)		Rank
Total interest income	$4,800,000	3,741
Total interest expense	$1,180,000	2,717
Net interest income	$3,620,000	3,958
Provision for loan and lease losses	$74,000	4,686
Total noninterest income	$754,000	3,278
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$183,000	3,959
Trading account gains and fees	$0	157
Additional Noninterest Income	$571,000	2,746
Total noninterest expense	$2,061,000	4,986
Salaries and employee benefits	$1,139,000	4,834
Premises and equipment expense	$188,000	5,392
Additional noninterest expense	$734,000	4,882
Pre-tax net operating income	$2,239,000	2,158
Securities gains (losses)	$10,000	3,111
Applicable income taxes	$27,000	4,059
Income before extraordinary items	$2,222,000	1,916
Extraordinary gains, net	$0	20
Net income	$2,222,000	1,915
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,222,000	1,917
Net charge-offs	$-25,000	6,798
Cash dividends	$1,084,000	1,253
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,212,100	1,818
2012-06-30 (YTD Data)		Rank
Total interest income	$3,300,000	3,694
Total interest expense	$829,000	2,699
Net interest income	$2,471,000	3,923
Provision for loan and lease losses	$31,000	4,851
Total noninterest income	$361,000	3,861
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$118,000	3,997
Trading account gains and fees	$0	153
Additional Noninterest Income	$243,000	3,385
Total noninterest expense	$1,359,000	5,050
Salaries and employee benefits	$754,000	4,882
Premises and equipment expense	$126,000	5,402
Additional noninterest expense	$479,000	4,976
Pre-tax net operating income	$1,442,000	2,204
Securities gains (losses)	$10,000	2,721
Applicable income taxes	$18,000	4,034
Income before extraordinary items	$1,434,000	1,958
Extraordinary gains, net	$0	19
Net income	$1,434,000	1,956
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,434,000	1,958
Net charge-offs	$-1,000	6,120
Cash dividends	$774,000	1,194
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,424,100	1,868
2012-03-31 (YTD Data)		Rank
Total interest income	$1,635,000	3,759
Total interest expense	$494,000	2,406
Net interest income	$1,141,000	4,152
Provision for loan and lease losses	$26,000	4,315
Total noninterest income	$130,000	4,510
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$56,000	4,084
Trading account gains and fees	$0	148
Additional Noninterest Income	$74,000	4,137
Total noninterest expense	$649,000	5,189
Salaries and employee benefits	$379,000	4,905
Premises and equipment expense	$55,000	5,677
Additional noninterest expense	$215,000	5,197
Pre-tax net operating income	$596,000	2,544
Securities gains (losses)	$10,000	1,776
Applicable income taxes	$9,000	4,034
Income before extraordinary items	$597,000	2,270
Extraordinary gains, net	$0	19
Net income	$597,000	2,272
Minority interest net income	$0	78
Net income of bank and minority interests.	$597,000	2,273
Net charge-offs	$4,000	4,348
Cash dividends	$340,000	1,189
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$587,100	2,182
2011-12-31 (YTD Data)		Rank
Total interest income	$6,304,000	3,923
Total interest expense	$1,531,000	3,396
Net interest income	$4,773,000	4,026
Provision for loan and lease losses	$79,000	5,549
Total noninterest income	$551,000	4,234
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$243,000	4,022
Trading account gains and fees	$0	146
Additional Noninterest Income	$308,000	3,819
Total noninterest expense	$2,547,000	5,298
Salaries and employee benefits	$1,444,000	5,060
Premises and equipment expense	$241,000	5,682
Additional noninterest expense	$862,000	5,259
Pre-tax net operating income	$2,698,000	2,014
Securities gains (losses)	$0	3,838
Applicable income taxes	$33,000	3,928
Income before extraordinary items	$2,665,000	1,778
Extraordinary gains, net	$0	29
Net income	$2,665,000	1,780
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,665,000	1,780
Net charge-offs	$75,000	5,207
Cash dividends	$3,120,000	641
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,665,000	1,702
2011-09-30 (YTD Data)		Rank
Total interest income	$4,633,000	4,012
Total interest expense	$1,149,000	3,519
Net interest income	$3,484,000	4,134
Provision for loan and lease losses	$54,000	5,471
Total noninterest income	$402,000	4,319
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$176,000	4,108
Trading account gains and fees	$0	145
Additional Noninterest Income	$226,000	3,914
Total noninterest expense	$1,843,000	5,394
Salaries and employee benefits	$1,049,000	5,134
Premises and equipment expense	$164,000	5,899
Additional noninterest expense	$630,000	5,327
Pre-tax net operating income	$1,989,000	2,098
Securities gains (losses)	$0	3,555
Applicable income taxes	$30,000	3,874
Income before extraordinary items	$1,959,000	1,866
Extraordinary gains, net	$0	21
Net income	$1,959,000	1,866
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,959,000	1,866
Net charge-offs	$65,000	4,794
Cash dividends	$3,120,000	439
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,959,000	1,777
2011-06-30 (YTD Data)		Rank
Total interest income	$3,067,000	4,074
Total interest expense	$761,000	3,625
Net interest income	$2,306,000	4,170
Provision for loan and lease losses	$10,000	5,964
Total noninterest income	$263,000	4,388
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$109,000	4,230
Trading account gains and fees	$0	153
Additional Noninterest Income	$154,000	3,905
Total noninterest expense	$1,262,000	5,393
Salaries and employee benefits	$697,000	5,195
Premises and equipment expense	$111,000	5,903
Additional noninterest expense	$454,000	5,238
Pre-tax net operating income	$1,297,000	2,099
Securities gains (losses)	$0	2,914
Applicable income taxes	$23,000	3,768
Income before extraordinary items	$1,274,000	1,858
Extraordinary gains, net	$0	15
Net income	$1,274,000	1,858
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,274,000	1,858
Net charge-offs	$54,000	4,384
Cash dividends	$2,860,000	325
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,274,000	1,789
2011-03-31 (YTD Data)		Rank
Total interest income	$1,520,000	4,121
Total interest expense	$392,000	3,652
Net interest income	$1,128,000	4,228
Provision for loan and lease losses	$0	5,840
Total noninterest income	$127,000	4,484
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$55,000	4,170
Trading account gains and fees	$0	158
Additional Noninterest Income	$72,000	4,081
Total noninterest expense	$608,000	5,516
Salaries and employee benefits	$342,000	5,286
Premises and equipment expense	$60,000	5,830
Additional noninterest expense	$206,000	5,459
Pre-tax net operating income	$647,000	2,094
Securities gains (losses)	$0	1,772
Applicable income taxes	$14,000	3,619
Income before extraordinary items	$633,000	1,828
Extraordinary gains, net	$0	9
Net income	$633,000	1,827
Minority interest net income	$0	86
Net income of bank and minority interests.	$633,000	1,828
Net charge-offs	$4,000	4,727
Cash dividends	$2,420,000	177
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$633,000	1,777
2010-12-31 (YTD Data)		Rank
Total interest income	$5,804,000	4,419
Total interest expense	$1,234,000	4,746
Net interest income	$4,570,000	4,193
Provision for loan and lease losses	$185,000	5,430
Total noninterest income	$467,000	4,692
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$249,000	4,021
Trading account gains and fees	$0	175
Additional Noninterest Income	$218,000	4,465
Total noninterest expense	$2,445,000	5,552
Salaries and employee benefits	$1,396,000	5,257
Premises and equipment expense	$223,000	6,011
Additional noninterest expense	$826,000	5,557
Pre-tax net operating income	$2,407,000	1,941
Securities gains (losses)	$23,000	3,038
Applicable income taxes	$36,000	3,779
Income before extraordinary items	$2,394,000	1,716
Extraordinary gains, net	$0	29
Net income	$2,394,000	1,717
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,394,000	1,718
Net charge-offs	$43,000	6,009
Cash dividends	$1,238,000	1,260
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,371,230	1,666
2010-09-30 (YTD Data)		Rank
Total interest income	$4,300,000	4,532
Total interest expense	$925,000	4,910
Net interest income	$3,375,000	4,303
Provision for loan and lease losses	$155,000	5,204
Total noninterest income	$341,000	4,810
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$187,000	4,084
Trading account gains and fees	$0	165
Additional Noninterest Income	$154,000	4,617
Total noninterest expense	$1,755,000	5,706
Salaries and employee benefits	$1,021,000	5,374
Premises and equipment expense	$167,000	6,070
Additional noninterest expense	$567,000	5,764
Pre-tax net operating income	$1,806,000	2,059
Securities gains (losses)	$0	3,651
Applicable income taxes	$24,000	3,911
Income before extraordinary items	$1,782,000	1,848
Extraordinary gains, net	$0	23
Net income	$1,782,000	1,849
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,782,000	1,850
Net charge-offs	$32,000	5,785
Cash dividends	$1,238,000	882
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,782,000	1,754
2010-06-30 (YTD Data)		Rank
Total interest income	$2,854,000	4,582
Total interest expense	$619,000	4,995
Net interest income	$2,235,000	4,329
Provision for loan and lease losses	$100,000	5,137
Total noninterest income	$210,000	4,939
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$119,000	4,161
Trading account gains and fees	$0	152
Additional Noninterest Income	$91,000	4,777
Total noninterest expense	$1,164,000	5,739
Salaries and employee benefits	$679,000	5,414
Premises and equipment expense	$110,000	6,131
Additional noninterest expense	$375,000	5,802
Pre-tax net operating income	$1,181,000	2,077
Securities gains (losses)	$0	3,184
Applicable income taxes	$15,000	3,923
Income before extraordinary items	$1,166,000	1,856
Extraordinary gains, net	$0	19
Net income	$1,166,000	1,855
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,166,000	1,856
Net charge-offs	$25,000	5,377
Cash dividends	$988,000	745
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,166,000	1,768
2010-03-31 (YTD Data)		Rank
Total interest income	$1,415,000	4,661
Total interest expense	$312,000	5,108
Net interest income	$1,103,000	4,386
Provision for loan and lease losses	$35,000	5,220
Total noninterest income	$96,000	5,123
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$59,000	4,162
Trading account gains and fees	$0	175
Additional Noninterest Income	$37,000	5,161
Total noninterest expense	$589,000	5,787
Salaries and employee benefits	$344,000	5,416
Premises and equipment expense	$56,000	6,192
Additional noninterest expense	$189,000	5,827
Pre-tax net operating income	$575,000	2,160
Securities gains (losses)	$0	2,284
Applicable income taxes	$6,000	4,021
Income before extraordinary items	$569,000	1,916
Extraordinary gains, net	$0	16
Net income	$569,000	1,914
Minority interest net income	$0	91
Net income of bank and minority interests.	$569,000	1,916
Net charge-offs	$14,000	4,653
Cash dividends	$508,000	647
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$569,000	1,850
2009-12-31 (YTD Data)		Rank
Total interest income	$5,761,000	4,736
Total interest expense	$1,545,000	5,092
Net interest income	$4,216,000	4,417
Provision for loan and lease losses	$135,000	6,155
Total noninterest income	$544,000	4,578
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$247,000	4,251
Trading account gains and fees	$0	211
Additional Noninterest Income	$297,000	4,000
Total noninterest expense	$2,561,000	5,611
Salaries and employee benefits	$1,392,000	5,416
Premises and equipment expense	$263,000	5,952
Additional noninterest expense	$906,000	5,511
Pre-tax net operating income	$2,064,000	1,867
Securities gains (losses)	$23,000	2,986
Applicable income taxes	$26,000	3,562
Income before extraordinary items	$2,061,000	1,622
Extraordinary gains, net	$0	34
Net income	$2,061,000	1,620
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,061,000	1,621
Net charge-offs	$87,000	5,810
Cash dividends	$916,000	1,747
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,038,230	1,591
2009-09-30 (YTD Data)		Rank
Total interest income	$4,325,000	4,789
Total interest expense	$1,207,000	5,129
Net interest income	$3,118,000	4,473
Provision for loan and lease losses	$105,000	5,912
Total noninterest income	$397,000	4,699
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$180,000	4,318
Trading account gains and fees	$0	212
Additional Noninterest Income	$217,000	4,153
Total noninterest expense	$1,886,000	5,682
Salaries and employee benefits	$1,029,000	5,495
Premises and equipment expense	$199,000	5,972
Additional noninterest expense	$658,000	5,581
Pre-tax net operating income	$1,524,000	2,033
Securities gains (losses)	$0	3,497
Applicable income taxes	$22,000	3,755
Income before extraordinary items	$1,502,000	1,772
Extraordinary gains, net	$0	27
Net income	$1,502,000	1,772
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,502,000	1,772
Net charge-offs	$81,000	5,262
Cash dividends	$916,000	1,349
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,502,000	1,731
2009-06-30 (YTD Data)		Rank
Total interest income	$2,930,000	4,777
Total interest expense	$833,000	5,175
Net interest income	$2,097,000	4,443
Provision for loan and lease losses	$75,000	5,625
Total noninterest income	$260,000	4,728
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$114,000	4,395
Trading account gains and fees	$0	193
Additional Noninterest Income	$146,000	4,171
Total noninterest expense	$1,257,000	5,723
Salaries and employee benefits	$682,000	5,572
Premises and equipment expense	$134,000	5,998
Additional noninterest expense	$441,000	5,577
Pre-tax net operating income	$1,025,000	2,069
Securities gains (losses)	$0	3,136
Applicable income taxes	$14,000	3,870
Income before extraordinary items	$1,011,000	1,831
Extraordinary gains, net	$0	21
Net income	$1,011,000	1,828
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,011,000	1,830
Net charge-offs	$31,000	5,317
Cash dividends	$684,000	1,286
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,011,000	1,773
2009-03-31 (YTD Data)		Rank
Total interest income	$1,482,000	4,795
Total interest expense	$440,000	5,146
Net interest income	$1,042,000	4,456
Provision for loan and lease losses	$15,000	6,043
Total noninterest income	$94,000	5,317
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$55,000	4,417
Trading account gains and fees	$0	171
Additional Noninterest Income	$39,000	5,236
Total noninterest expense	$584,000	5,886
Salaries and employee benefits	$335,000	5,681
Premises and equipment expense	$69,000	5,979
Additional noninterest expense	$180,000	5,862
Pre-tax net operating income	$537,000	2,245
Securities gains (losses)	$0	2,434
Applicable income taxes	$6,000	4,227
Income before extraordinary items	$531,000	2,016
Extraordinary gains, net	$0	15
Net income	$531,000	2,017
Minority interest net income	$0	102
Net income of bank and minority interests.	$531,000	2,017
Net charge-offs	$2,000	5,430
Cash dividends	$224,000	1,629
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$531,000	1,898
2008-12-31 (YTD Data)		Rank
Total interest income	$6,022,000	4,924
Total interest expense	$2,282,000	4,982
Net interest income	$3,740,000	4,778
Provision for loan and lease losses	$30,000	6,834
Total noninterest income	$410,000	5,226
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$255,000	4,318
Trading account gains and fees	$0	154
Additional Noninterest Income	$155,000	5,261
Total noninterest expense	$2,292,000	5,867
Salaries and employee benefits	$1,344,000	5,653
Premises and equipment expense	$287,000	5,911
Additional noninterest expense	$661,000	5,977
Pre-tax net operating income	$1,828,000	2,639
Securities gains (losses)	$0	3,220
Applicable income taxes	$21,000	4,257
Income before extraordinary items	$1,807,000	2,186
Extraordinary gains, net	$0	39
Net income	$1,807,000	2,187
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	5,124
Cash dividends	$534,000	3,274
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,807,000	2,308
2008-09-30 (YTD Data)		Rank
Total interest income	$4,513,000	5,004
Total interest expense	$1,777,000	5,005
Net interest income	$2,736,000	4,888
Provision for loan and lease losses	$0	6,991
Total noninterest income	$360,000	5,029
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$191,000	4,342
Trading account gains and fees	$0	148
Additional Noninterest Income	$169,000	4,759
Total noninterest expense	$1,756,000	5,810
Salaries and employee benefits	$1,011,000	5,654
Premises and equipment expense	$212,000	5,954
Additional noninterest expense	$533,000	5,737
Pre-tax net operating income	$1,340,000	3,080
Securities gains (losses)	$0	3,106
Applicable income taxes	$12,000	4,805
Income before extraordinary items	$1,328,000	2,565
Extraordinary gains, net	$0	31
Net income	$1,328,000	2,562
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	4,479
Cash dividends	$534,000	2,648
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,328,000	2,687
2008-06-30 (YTD Data)		Rank
Total interest income	$3,030,000	5,045
Total interest expense	$1,268,000	4,966
Net interest income	$1,762,000	5,000
Provision for loan and lease losses	$0	6,671
Total noninterest income	$203,000	5,399
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$127,000	4,362
Trading account gains and fees	$0	149
Additional Noninterest Income	$76,000	5,498
Total noninterest expense	$1,146,000	5,905
Salaries and employee benefits	$670,000	5,731
Premises and equipment expense	$144,000	5,936
Additional noninterest expense	$332,000	5,905
Pre-tax net operating income	$819,000	3,383
Securities gains (losses)	$0	3,233
Applicable income taxes	$8,000	5,072
Income before extraordinary items	$811,000	3,020
Extraordinary gains, net	$0	21
Net income	$811,000	3,021
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	3,622
Cash dividends	$340,000	2,793
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$811,000	2,975
2008-03-31 (YTD Data)		Rank
Total interest income	$1,546,000	5,077
Total interest expense	$709,000	4,845
Net interest income	$837,000	5,170
Provision for loan and lease losses	$0	6,080
Total noninterest income	$95,000	5,538
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$62,000	4,381
Trading account gains and fees	$0	158
Additional Noninterest Income	$33,000	5,761
Total noninterest expense	$584,000	5,881
Salaries and employee benefits	$342,000	5,711
Premises and equipment expense	$74,000	5,910
Additional noninterest expense	$168,000	5,863
Pre-tax net operating income	$348,000	3,833
Securities gains (losses)	$0	2,688
Applicable income taxes	$4,000	5,199
Income before extraordinary items	$344,000	3,519
Extraordinary gains, net	$0	15
Net income	$344,000	3,522
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	2,589
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$344,000	3,415
2007-12-31 (YTD Data)		Rank
Total interest income	$6,240,000	5,092
Total interest expense	$2,831,000	4,955
Net interest income	$3,409,000	5,120
Provision for loan and lease losses	$0	6,851
Total noninterest income	$390,000	5,544
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$246,000	4,493
Trading account gains and fees	$0	178
Additional Noninterest Income	$144,000	5,639
Total noninterest expense	$2,319,000	5,816
Salaries and employee benefits	$1,370,000	5,582
Premises and equipment expense	$280,000	5,951
Additional noninterest expense	$669,000	5,853
Pre-tax net operating income	$1,480,000	3,928
Securities gains (losses)	$0	2,146
Applicable income taxes	$16,000	5,503
Income before extraordinary items	$1,464,000	3,502
Extraordinary gains, net	$0	39
Net income	$1,464,000	3,500
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	5,733
Cash dividends	$900,000	2,792
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,464,000	3,488
2007-09-30 (YTD Data)		Rank
Total interest income	$4,615,000	5,156
Total interest expense	$2,050,000	5,044
Net interest income	$2,565,000	5,134
Provision for loan and lease losses	$0	6,528
Total noninterest income	$286,000	5,631
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$183,000	4,523
Trading account gains and fees	$0	184
Additional Noninterest Income	$103,000	5,748
Total noninterest expense	$1,763,000	5,754
Salaries and employee benefits	$1,065,000	5,452
Premises and equipment expense	$208,000	5,982
Additional noninterest expense	$490,000	5,862
Pre-tax net operating income	$1,088,000	4,162
Securities gains (losses)	$0	1,655
Applicable income taxes	$12,000	5,670
Income before extraordinary items	$1,076,000	3,716
Extraordinary gains, net	$0	33
Net income	$1,076,000	3,715
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,266
Cash dividends	$650,000	2,569
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,076,000	3,702
2007-06-30 (YTD Data)		Rank
Total interest income	$3,051,000	5,200
Total interest expense	$1,327,000	5,134
Net interest income	$1,724,000	5,123
Provision for loan and lease losses	$0	6,209
Total noninterest income	$171,000	5,890
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$120,000	4,583
Trading account gains and fees	$0	168
Additional Noninterest Income	$51,000	6,242
Total noninterest expense	$1,177,000	5,785
Salaries and employee benefits	$710,000	5,502
Premises and equipment expense	$138,000	6,019
Additional noninterest expense	$329,000	5,857
Pre-tax net operating income	$718,000	4,258
Securities gains (losses)	$0	1,444
Applicable income taxes	$9,000	5,709
Income before extraordinary items	$709,000	3,793
Extraordinary gains, net	$0	29
Net income	$709,000	3,793
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	4,346
Cash dividends	$480,000	2,498
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$709,000	3,777
2007-03-31 (YTD Data)		Rank
Total interest income	$1,504,000	5,248
Total interest expense	$643,000	5,190
Net interest income	$861,000	5,141
Provision for loan and lease losses	$0	5,779
Total noninterest income	$70,000	6,240
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$56,000	4,665
Trading account gains and fees	$0	195
Additional Noninterest Income	$14,000	7,050
Total noninterest expense	$578,000	5,857
Salaries and employee benefits	$366,000	5,449
Premises and equipment expense	$69,000	6,070
Additional noninterest expense	$143,000	6,257
Pre-tax net operating income	$353,000	4,290
Securities gains (losses)	$0	1,187
Applicable income taxes	$5,000	5,693
Income before extraordinary items	$348,000	3,836
Extraordinary gains, net	$0	22
Net income	$348,000	3,837
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	3,299
Cash dividends	$160,000	2,653
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$348,000	3,816
2006-12-31 (YTD Data)		Rank
Total interest income	$5,667,000	5,191
Total interest expense	$2,211,000	5,142
Net interest income	$3,456,000	5,090
Provision for loan and lease losses	$0	6,850
Total noninterest income	$313,000	6,091
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$249,000	4,515
Trading account gains and fees	$0	130
Additional Noninterest Income	$64,000	6,980
Total noninterest expense	$2,329,000	5,705
Salaries and employee benefits	$1,338,000	5,554
Premises and equipment expense	$303,000	5,727
Additional noninterest expense	$688,000	5,691
Pre-tax net operating income	$1,440,000	4,383
Securities gains (losses)	$-31,000	7,737
Applicable income taxes	$13,000	6,081
Income before extraordinary items	$1,396,000	3,944
Extraordinary gains, net	$0	51
Net income	$1,396,000	3,943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	4,299
Cash dividends	$564,000	3,536
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,426,690	3,864
2006-09-30 (YTD Data)		Rank
Total interest income	$4,169,000	5,236
Total interest expense	$1,577,000	5,198
Net interest income	$2,592,000	5,136
Provision for loan and lease losses	$0	6,685
Total noninterest income	$232,000	6,178
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$180,000	4,637
Trading account gains and fees	$0	126
Additional Noninterest Income	$52,000	6,878
Total noninterest expense	$1,717,000	5,745
Salaries and employee benefits	$993,000	5,573
Premises and equipment expense	$221,000	5,809
Additional noninterest expense	$503,000	5,757
Pre-tax net operating income	$1,107,000	4,501
Securities gains (losses)	$-31,000	8,000
Applicable income taxes	$10,000	6,224
Income before extraordinary items	$1,066,000	4,015
Extraordinary gains, net	$0	45
Net income	$1,066,000	4,018
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	4,367
Cash dividends	$564,000	2,765
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,096,690	3,930
2006-06-30 (YTD Data)		Rank
Total interest income	$1,593,000	6,658
Total interest expense	$534,000	6,719
Net interest income	$1,059,000	6,530
Provision for loan and lease losses	$0	6,419
Total noninterest income	$76,000	7,394
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$57,000	6,055
Trading account gains and fees	$0	126
Additional Noninterest Income	$19,000	7,607
Total noninterest expense	$567,000	7,541
Salaries and employee benefits	$353,000	7,282
Premises and equipment expense	$64,000	7,536
Additional noninterest expense	$150,000	7,611
Pre-tax net operating income	$568,000	5,130
Securities gains (losses)	$-29,000	8,210
Applicable income taxes	$7,000	6,238
Income before extraordinary items	$532,000	4,731
Extraordinary gains, net	$0	39
Net income	$532,000	4,735
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,673
Cash dividends	$434,000	2,580
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$560,710	4,595
2006-03-31 (YTD Data)		Rank
Total interest income	$784,000	6,688
Total interest expense	$259,000	6,715
Net interest income	$525,000	6,560
Provision for loan and lease losses	$0	6,013
Total noninterest income	$30,000	7,673
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$25,000	6,215
Trading account gains and fees	$0	115
Additional Noninterest Income	$5,000	8,055
Total noninterest expense	$290,000	7,504
Salaries and employee benefits	$178,000	7,285
Premises and equipment expense	$34,000	7,467
Additional noninterest expense	$78,000	7,553
Pre-tax net operating income	$265,000	5,241
Securities gains (losses)	$-28,000	8,452
Applicable income taxes	$3,000	6,254
Income before extraordinary items	$234,000	4,990
Extraordinary gains, net	$0	21
Net income	$234,000	4,990
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	3,605
Cash dividends	$114,000	2,975
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$261,720	4,739
2005-12-31 (YTD Data)		Rank
Total interest income	$2,949,000	6,636
Total interest expense	$916,000	6,499
Net interest income	$2,033,000	6,603
Provision for loan and lease losses	$0	7,120
Total noninterest income	$123,000	7,726
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$103,000	6,251
Trading account gains and fees	$0	138
Additional Noninterest Income	$20,000	8,136
Total noninterest expense	$1,074,000	7,611
Salaries and employee benefits	$650,000	7,444
Premises and equipment expense	$151,000	7,260
Additional noninterest expense	$273,000	7,789
Pre-tax net operating income	$1,082,000	5,154
Securities gains (losses)	$-92,000	8,399
Applicable income taxes	$11,000	6,510
Income before extraordinary items	$979,000	4,879
Extraordinary gains, net	$0	46
Net income	$979,000	4,880
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	5,967
Cash dividends	$7,240,000	491
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,070,080	4,613
2005-09-30 (YTD Data)		Rank
Total interest income	$2,194,000	6,650
Total interest expense	$671,000	6,473
Net interest income	$1,523,000	6,635
Provision for loan and lease losses	$0	6,899
Total noninterest income	$93,000	7,763
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$76,000	6,315
Trading account gains and fees	$0	126
Additional Noninterest Income	$17,000	8,089
Total noninterest expense	$776,000	7,669
Salaries and employee benefits	$476,000	7,475
Premises and equipment expense	$94,000	7,565
Additional noninterest expense	$206,000	7,785
Pre-tax net operating income	$840,000	5,213
Securities gains (losses)	$-67,000	8,558
Applicable income taxes	$8,000	6,588
Income before extraordinary items	$765,000	4,871
Extraordinary gains, net	$0	35
Net income	$765,000	4,873
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	5,184
Cash dividends	$7,240,000	358
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$831,330	4,614
2005-06-30 (YTD Data)		Rank
Total interest income	$1,454,000	6,636
Total interest expense	$436,000	6,398
Net interest income	$1,018,000	6,621
Provision for loan and lease losses	$0	6,626
Total noninterest income	$59,000	7,792
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$46,000	6,418
Trading account gains and fees	$0	116
Additional Noninterest Income	$13,000	7,996
Total noninterest expense	$499,000	7,734
Salaries and employee benefits	$308,000	7,547
Premises and equipment expense	$64,000	7,531
Additional noninterest expense	$127,000	7,890
Pre-tax net operating income	$578,000	5,094
Securities gains (losses)	$-28,000	8,457
Applicable income taxes	$5,000	6,626
Income before extraordinary items	$545,000	4,673
Extraordinary gains, net	$0	30
Net income	$545,000	4,674
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	4,491
Cash dividends	$530,000	2,111
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$572,720	4,489
2005-03-31 (YTD Data)		Rank
Total interest income	$730,000	6,643
Total interest expense	$211,000	6,398
Net interest income	$519,000	6,622
Provision for loan and lease losses	$0	6,226
Total noninterest income	$23,000	8,065
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$21,000	6,536
Trading account gains and fees	$0	115
Additional Noninterest Income	$2,000	8,574
Total noninterest expense	$266,000	7,688
Salaries and employee benefits	$159,000	7,524
Premises and equipment expense	$37,000	7,362
Additional noninterest expense	$70,000	7,797
Pre-tax net operating income	$276,000	5,208
Securities gains (losses)	$0	1,685
Applicable income taxes	$3,000	6,538
Income before extraordinary items	$273,000	4,628
Extraordinary gains, net	$0	24
Net income	$273,000	4,629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	3,734
Cash dividends	$252,000	1,938
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$273,000	4,588
2004-12-31 (YTD Data)		Rank
Total interest income	$2,973,000	6,448
Total interest expense	$876,000	6,016
Net interest income	$2,097,000	6,490
Provision for loan and lease losses	$0	7,314
Total noninterest income	$114,000	7,921
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$88,000	6,649
Trading account gains and fees	$0	138
Additional Noninterest Income	$26,000	8,060
Total noninterest expense	$1,068,000	7,680
Salaries and employee benefits	$618,000	7,593
Premises and equipment expense	$171,000	7,088
Additional noninterest expense	$279,000	7,822
Pre-tax net operating income	$1,143,000	4,911
Securities gains (losses)	$3,000	3,369
Applicable income taxes	$9,000	6,781
Income before extraordinary items	$1,137,000	4,345
Extraordinary gains, net	$0	34
Net income	$1,137,000	4,346
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	6,559
Cash dividends	$956,000	2,429
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,134,030	4,278
2004-09-30 (YTD Data)		Rank
Total interest income	$2,229,000	6,460
Total interest expense	$666,000	5,962
Net interest income	$1,563,000	6,521
Provision for loan and lease losses	$0	7,100
Total noninterest income	$87,000	7,968
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$67,000	6,680
Trading account gains and fees	$0	134
Additional Noninterest Income	$20,000	8,070
Total noninterest expense	$788,000	7,678
Salaries and employee benefits	$452,000	7,608
Premises and equipment expense	$128,000	7,075
Additional noninterest expense	$208,000	7,841
Pre-tax net operating income	$862,000	4,993
Securities gains (losses)	$3,000	3,253
Applicable income taxes	$6,000	6,914
Income before extraordinary items	$859,000	4,407
Extraordinary gains, net	$0	26
Net income	$859,000	4,408
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$956,000	1,773
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$856,030	4,348
2004-06-30 (YTD Data)		Rank
Total interest income	$1,494,000	6,472
Total interest expense	$455,000	5,918
Net interest income	$1,039,000	6,561
Provision for loan and lease losses	$0	6,885
Total noninterest income	$58,000	8,010
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$41,000	6,815
Trading account gains and fees	$0	130
Additional Noninterest Income	$17,000	7,905
Total noninterest expense	$532,000	7,695
Salaries and employee benefits	$305,000	7,629
Premises and equipment expense	$83,000	7,150
Additional noninterest expense	$144,000	7,800
Pre-tax net operating income	$565,000	4,976
Securities gains (losses)	$3,000	2,926
Applicable income taxes	$3,000	6,985
Income before extraordinary items	$565,000	4,401
Extraordinary gains, net	$0	21
Net income	$565,000	4,403
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$732,000	1,646
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$562,030	4,334
2004-03-31 (YTD Data)		Rank
Total interest income	$755,000	6,459
Total interest expense	$234,000	5,889
Net interest income	$521,000	6,573
Provision for loan and lease losses	$0	6,501
Total noninterest income	$23,000	8,272
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$20,000	6,805
Trading account gains and fees	$0	121
Additional Noninterest Income	$3,000	8,561
Total noninterest expense	$258,000	7,811
Salaries and employee benefits	$145,000	7,771
Premises and equipment expense	$41,000	7,205
Additional noninterest expense	$72,000	7,841
Pre-tax net operating income	$286,000	4,919
Securities gains (losses)	$3,000	2,499
Applicable income taxes	$0	7,103
Income before extraordinary items	$289,000	4,369
Extraordinary gains, net	$0	16
Net income	$289,000	4,368
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$256,000	1,901
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$286,000	4,274
2003-12-31 (YTD Data)		Rank
Total interest income	$2,991,000	6,524
Total interest expense	$1,058,000	5,956
Net interest income	$1,933,000	6,685
Provision for loan and lease losses	$0	7,651
Total noninterest income	$117,000	8,136
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$92,000	6,676
Trading account gains and fees	$0	160
Additional Noninterest Income	$25,000	8,275
Total noninterest expense	$941,000	8,007
Salaries and employee benefits	$525,000	7,995
Premises and equipment expense	$161,000	7,249
Additional noninterest expense	$255,000	8,069
Pre-tax net operating income	$1,109,000	4,893
Securities gains (losses)	$-4,000	8,670
Applicable income taxes	$-14,000	8,779
Income before extraordinary items	$1,119,000	4,313
Extraordinary gains, net	$0	54
Net income	$1,119,000	4,315
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,281
Cash dividends	$1,428,000	1,801
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,123,000	4,138
2003-09-30 (YTD Data)		Rank
Total interest income	$2,283,000	6,550
Total interest expense	$806,000	6,053
Net interest income	$1,477,000	6,683
Provision for loan and lease losses	$0	7,481
Total noninterest income	$91,000	8,147
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$69,000	6,736
Trading account gains and fees	$0	153
Additional Noninterest Income	$22,000	8,174
Total noninterest expense	$694,000	8,035
Salaries and employee benefits	$385,000	8,018
Premises and equipment expense	$119,000	7,291
Additional noninterest expense	$190,000	8,085
Pre-tax net operating income	$874,000	4,911
Securities gains (losses)	$0	4,204
Applicable income taxes	$-8,000	8,904
Income before extraordinary items	$882,000	4,347
Extraordinary gains, net	$0	40
Net income	$882,000	4,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,765
Cash dividends	$1,428,000	1,328
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$882,000	4,176
2003-06-30 (YTD Data)		Rank
Total interest income	$1,558,000	6,522
Total interest expense	$547,000	6,119
Net interest income	$1,011,000	6,613
Provision for loan and lease losses	$0	7,324
Total noninterest income	$62,000	8,111
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$45,000	6,765
Trading account gains and fees	$0	150
Additional Noninterest Income	$17,000	8,015
Total noninterest expense	$460,000	8,062
Salaries and employee benefits	$254,000	8,052
Premises and equipment expense	$80,000	7,290
Additional noninterest expense	$126,000	8,097
Pre-tax net operating income	$613,000	4,774
Securities gains (losses)	$0	3,782
Applicable income taxes	$2,000	7,353
Income before extraordinary items	$611,000	4,241
Extraordinary gains, net	$0	30
Net income	$611,000	4,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,334
Cash dividends	$1,108,000	1,195
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$611,000	4,040
2003-03-31 (YTD Data)		Rank
Total interest income	$785,000	6,523
Total interest expense	$277,000	6,183
Net interest income	$508,000	6,602
Provision for loan and lease losses	$0	6,934
Total noninterest income	$25,000	8,378
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$21,000	6,829
Trading account gains and fees	$0	134
Additional Noninterest Income	$4,000	8,607
Total noninterest expense	$240,000	8,013
Salaries and employee benefits	$126,000	8,092
Premises and equipment expense	$41,000	7,269
Additional noninterest expense	$73,000	7,858
Pre-tax net operating income	$293,000	4,845
Securities gains (losses)	$0	2,891
Applicable income taxes	$-5,000	9,031
Income before extraordinary items	$298,000	4,261
Extraordinary gains, net	$0	21
Net income	$298,000	4,259
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$440,000	1,358
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$298,000	4,067
2002-12-31 (YTD Data)		Rank
Total interest income	$3,226,000	6,618
Total interest expense	$1,226,000	6,368
Net interest income	$2,000,000	6,633
Provision for loan and lease losses	$0	8,089
Total noninterest income	$108,000	8,300
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$88,000	6,791
Trading account gains and fees	$0	153
Additional Noninterest Income	$20,000	8,540
Total noninterest expense	$929,000	8,090
Salaries and employee benefits	$513,000	8,099
Premises and equipment expense	$168,000	7,198
Additional noninterest expense	$248,000	8,184
Pre-tax net operating income	$1,179,000	4,766
Securities gains (losses)	$56,000	2,303
Applicable income taxes	$15,000	7,161
Income before extraordinary items	$1,220,000	4,043
Extraordinary gains, net	$0	70
Net income	$1,220,000	4,043
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,185
Cash dividends	$737,000	2,797
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,164,560	4,065
2001-12-31 (YTD Data)		Rank
Total interest income	$3,326,000	6,911
Total interest expense	$1,578,000	6,827
Net interest income	$1,748,000	6,893
Provision for loan and lease losses	$0	8,228
Total noninterest income	$101,000	8,502
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$84,000	6,897
Trading account gains and fees	$0	177
Additional Noninterest Income	$17,000	8,847
Total noninterest expense	$876,000	8,265
Salaries and employee benefits	$496,000	8,200
Premises and equipment expense	$123,000	7,956
Additional noninterest expense	$257,000	8,160
Pre-tax net operating income	$973,000	4,970
Securities gains (losses)	$0	4,612
Applicable income taxes	$-9,000	8,997
Income before extraordinary items	$982,000	4,329
Extraordinary gains, net	$0	105
Net income	$982,000	4,330
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,448
Cash dividends	$712,000	2,828
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$982,000	4,218
2000-12-31 (YTD Data)		Rank
Total interest income	$3,288,000	7,126
Total interest expense	$1,451,000	7,256
Net interest income	$1,837,000	6,852
Provision for loan and lease losses	$0	8,337
Total noninterest income	$96,000	8,646
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	7,035
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	9,043
Total noninterest expense	$803,000	8,559
Salaries and employee benefits	$473,000	8,384
Premises and equipment expense	$99,000	8,459
Additional noninterest expense	$231,000	8,494
Pre-tax net operating income	$1,130,000	4,907
Securities gains (losses)	$-11,000	8,394
Applicable income taxes	$43,000	7,354
Income before extraordinary items	$1,076,000	4,171
Extraordinary gains, net	$0	38
Net income	$1,076,000	4,172
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,683
Cash dividends	$600,000	3,185
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,086,560	4,148
1999-12-31 (YTD Data)		Rank
Total interest income	$3,144,000	7,205
Total interest expense	$1,397,000	7,197
Net interest income	$1,747,000	7,113
Provision for loan and lease losses	$7,000	8,253
Total noninterest income	$93,000	8,937
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	7,297
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	9,216
Total noninterest expense	$793,000	8,748
Salaries and employee benefits	$460,000	8,564
Premises and equipment expense	$106,000	8,515
Additional noninterest expense	$227,000	8,772
Pre-tax net operating income	$1,040,000	5,189
Securities gains (losses)	$0	3,155
Applicable income taxes	$216,000	5,539
Income before extraordinary items	$824,000	5,010
Extraordinary gains, net	$0	35
Net income	$824,000	5,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,619
Cash dividends	$1,152,000	2,042
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$824,000	4,978
1998-12-31 (YTD Data)		Rank
Total interest income	$3,200,000	7,287
Total interest expense	$1,423,000	7,368
Net interest income	$1,777,000	7,100
Provision for loan and lease losses	$39,000	7,011
Total noninterest income	$95,000	9,100
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	7,365
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	9,566
Total noninterest expense	$764,000	8,888
Salaries and employee benefits	$440,000	8,707
Premises and equipment expense	$89,000	8,954
Additional noninterest expense	$235,000	8,744
Pre-tax net operating income	$1,069,000	5,215
Securities gains (losses)	$2,000	3,909
Applicable income taxes	$246,000	5,690
Income before extraordinary items	$825,000	5,098
Extraordinary gains, net	$0	32
Net income	$825,000	5,098
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,077
Cash dividends	$288,000	4,713
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$823,460	5,015
1997-12-31 (YTD Data)		Rank
Total interest income	$3,121,000	7,607
Total interest expense	$1,295,000	7,859
Net interest income	$1,826,000	7,260
Provision for loan and lease losses	$10,000	8,395
Total noninterest income	$88,000	9,629
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$68,000	7,935
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	9,849
Total noninterest expense	$749,000	9,226
Salaries and employee benefits	$426,000	9,095
Premises and equipment expense	$92,000	9,159
Additional noninterest expense	$231,000	9,065
Pre-tax net operating income	$1,155,000	5,365
Securities gains (losses)	$0	3,944
Applicable income taxes	$283,000	5,886
Income before extraordinary items	$872,000	5,163
Extraordinary gains, net	$0	44
Net income	$872,000	5,165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,643
Cash dividends	$288,000	4,675
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$872,000	5,108
1996-12-31 (YTD Data)		Rank
Total interest income	$3,027,000	7,958
Total interest expense	$1,317,000	8,056
Net interest income	$1,710,000	7,756
Provision for loan and lease losses	$5,000	8,822
Total noninterest income	$81,000	10,262
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$58,000	8,618
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	10,237
Total noninterest expense	$720,000	9,739
Salaries and employee benefits	$408,000	9,550
Premises and equipment expense	$101,000	9,258
Additional noninterest expense	$211,000	9,812
Pre-tax net operating income	$1,066,000	5,519
Securities gains (losses)	$6,000	2,865
Applicable income taxes	$254,000	6,401
Income before extraordinary items	$818,000	5,224
Extraordinary gains, net	$0	53
Net income	$818,000	5,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,880
Cash dividends	$288,000	4,656
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$813,440	5,178
1995-12-31 (YTD Data)		Rank
Total interest income	$2,969,000	8,253
Total interest expense	$1,192,000	8,606
Net interest income	$1,777,000	7,825
Provision for loan and lease losses	$60,000	5,704
Total noninterest income	$84,000	10,651
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$57,000	9,016
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	10,452
Total noninterest expense	$762,000	9,941
Salaries and employee benefits	$403,000	9,924
Premises and equipment expense	$127,000	8,867
Additional noninterest expense	$232,000	10,043
Pre-tax net operating income	$1,039,000	5,835
Securities gains (losses)	$0	3,831
Applicable income taxes	$275,000	6,302
Income before extraordinary items	$764,000	5,624
Extraordinary gains, net	$0	65
Net income	$764,000	5,623
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,103
Cash dividends	$192,000	5,629
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$764,000	5,613
1994-12-31 (YTD Data)		Rank
Total interest income	$2,829,000	8,351
Total interest expense	$1,044,000	8,502
Net interest income	$1,785,000	8,077
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$79,000	11,271
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	9,478
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	11,244
Total noninterest expense	$797,000	10,261
Salaries and employee benefits	$388,000	10,388
Premises and equipment expense	$90,000	10,345
Additional noninterest expense	$319,000	9,729
Pre-tax net operating income	$1,007,000	5,927
Securities gains (losses)	$0	3,600
Applicable income taxes	$252,000	6,503
Income before extraordinary items	$755,000	5,587
Extraordinary gains, net	$0	249
Net income	$755,000	5,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,066
Cash dividends	$192,000	5,610
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$755,000	5,653
1993-12-31 (YTD Data)		Rank
Total interest income	$2,838,000	8,601
Total interest expense	$1,141,000	8,514
Net interest income	$1,697,000	8,502
Provision for loan and lease losses	$62,000	6,899
Total noninterest income	$77,000	11,876
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	9,867
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	11,885
Total noninterest expense	$764,000	10,850
Salaries and employee benefits	$383,000	10,808
Premises and equipment expense	$82,000	11,085
Additional noninterest expense	$299,000	10,466
Pre-tax net operating income	$948,000	6,121
Securities gains (losses)	$0	7,477
Applicable income taxes	$228,000	7,136
Income before extraordinary items	$720,000	5,985
Extraordinary gains, net	$0	3,149
Net income	$720,000	6,145
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	5,636
Cash dividends	$192,000	5,572
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$720,000	5,726
1992-12-31 (YTD Data)		Rank
Total interest income	$3,036,000	8,913
Total interest expense	$1,487,000	8,550
Net interest income	$1,549,000	9,121
Provision for loan and lease losses	$14,000	10,934
Total noninterest income	$75,000	12,416
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	10,360
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	12,093
Total noninterest expense	$740,000	11,309
Salaries and employee benefits	$368,000	11,241
Premises and equipment expense	$77,000	11,610
Additional noninterest expense	$295,000	10,894
Pre-tax net operating income	$870,000	6,252
Securities gains (losses)	$8,000	6,653
Applicable income taxes	$207,000	7,418
Income before extraordinary items	$671,000	6,096
Extraordinary gains, net	$0	1,422
Net income	$671,000	6,162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	11,020
Cash dividends	$192,000	5,211
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$664,920	5,790

* 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.