Home > FLAGLER BANK > Income and Expense

FLAGLER BANK, Income and Expense

2023-09-30 (YTD Data)		Rank
Total interest income	$17,572,000	1,655
Total interest expense	$8,156,000	1,141
Net interest income	$9,416,000	2,065
Provision for loan and lease losses	$0	3,085
Total noninterest income	$990,000	2,429
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$552,000	1,272
Trading account gains and fees	NA	NA
Additional Noninterest Income	$438,000	2,816
Total noninterest expense	$5,486,000	2,474
Salaries and employee benefits	$3,253,000	2,400
Premises and equipment expense	$535,000	2,472
Additional noninterest expense	$438,000	2,815
Pre-tax net operating income	$4,920,000	1,674
Securities gains (losses)	$-428,000	4,349
Applicable income taxes	$0	3,407
Income before extraordinary items	$4,492,000	1,577
Extraordinary gains, net	$0	52
Net income	$4,492,000	1,590
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,492,000	1,577
Net charge-offs	$-51,000	4,223
Cash dividends	$1,747,000	1,269
Sale, conversion, retirement of capital stock, net	$7,000	474
Net operating income	$4,920,000	1,491
2023-06-30 (YTD Data)		Rank
Total interest income	$11,475,000	1,658
Total interest expense	$4,807,000	1,140
Net interest income	$6,668,000	2,008
Provision for loan and lease losses	$0	2,940
Total noninterest income	$675,000	2,356
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$369,000	1,251
Trading account gains and fees	NA	NA
Additional Noninterest Income	$306,000	2,741
Total noninterest expense	$3,699,000	2,432
Salaries and employee benefits	$2,218,000	2,362
Premises and equipment expense	$344,000	2,505
Additional noninterest expense	$306,000	2,736
Pre-tax net operating income	$3,644,000	1,534
Securities gains (losses)	$-428,000	4,466
Applicable income taxes	$0	3,436
Income before extraordinary items	$3,216,000	1,481
Extraordinary gains, net	$0	51
Net income	$3,216,000	1,499
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,216,000	1,481
Net charge-offs	$-47,000	4,310
Cash dividends	$1,746,000	978
Sale, conversion, retirement of capital stock, net	$5,000	457
Net operating income	$3,644,000	1,358
2023-03-31 (YTD Data)		Rank
Total interest income	$5,458,000	1,701
Total interest expense	$1,792,000	1,286
Net interest income	$3,666,000	1,872
Provision for loan and lease losses	$0	2,612
Total noninterest income	$321,000	2,416
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$172,000	1,336
Trading account gains and fees	NA	NA
Additional Noninterest Income	$149,000	2,763
Total noninterest expense	$1,990,000	2,349
Salaries and employee benefits	$1,125,000	2,367
Premises and equipment expense	$162,000	2,630
Additional noninterest expense	$149,000	2,763
Pre-tax net operating income	$1,997,000	1,474
Securities gains (losses)	$-1,000	3,873
Applicable income taxes	$0	3,388
Income before extraordinary items	$1,996,000	1,287
Extraordinary gains, net	$0	4
Net income	$1,996,000	1,286
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,996,000	1,287
Net charge-offs	$-22,000	4,256
Cash dividends	$1,748,000	542
Sale, conversion, retirement of capital stock, net	$3,000	416
Net operating income	$1,997,000	1,307
2022-12-31 (YTD Data)		Rank
Total interest income	$19,293,000	1,628
Total interest expense	$2,918,000	1,209
Net interest income	$16,375,000	1,675
Provision for loan and lease losses	$600,000	1,102
Total noninterest income	$1,470,000	2,369
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$734,000	1,292
Trading account gains and fees	NA	NA
Additional Noninterest Income	$736,000	2,662
Total noninterest expense	$7,600,000	2,376
Salaries and employee benefits	$4,419,000	2,346
Premises and equipment expense	$693,000	2,507
Additional noninterest expense	$736,000	2,662
Pre-tax net operating income	$9,645,000	1,306
Securities gains (losses)	$-39,000	3,705
Applicable income taxes	$0	3,596
Income before extraordinary items	$9,606,000	1,128
Extraordinary gains, net	$0	5
Net income	$9,606,000	1,126
Minority interest net income	$0	63
Net income of bank and minority interests.	$9,606,000	1,128
Net charge-offs	$511,000	589
Cash dividends	$3,252,000	1,077
Sale, conversion, retirement of capital stock, net	$90,000	475
Net operating income	$9,645,000	1,152
2022-09-30 (YTD Data)		Rank
Total interest income	$14,017,000	1,616
Total interest expense	$1,748,000	1,144
Net interest income	$12,269,000	1,657
Provision for loan and lease losses	$450,000	1,008
Total noninterest income	$1,134,000	2,351
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$526,000	1,354
Trading account gains and fees	NA	NA
Additional Noninterest Income	$608,000	2,583
Total noninterest expense	$5,271,000	2,492
Salaries and employee benefits	$3,106,000	2,437
Premises and equipment expense	$510,000	2,529
Additional noninterest expense	$608,000	2,583
Pre-tax net operating income	$7,682,000	1,245
Securities gains (losses)	$-37,000	4,063
Applicable income taxes	$0	3,603
Income before extraordinary items	$7,645,000	1,082
Extraordinary gains, net	$0	4
Net income	$7,645,000	1,081
Minority interest net income	$0	57
Net income of bank and minority interests.	$7,645,000	1,082
Net charge-offs	$-7,000	3,496
Cash dividends	$2,252,000	1,036
Sale, conversion, retirement of capital stock, net	$97,000	409
Net operating income	$7,682,000	1,102
2022-06-30 (YTD Data)		Rank
Total interest income	$8,880,000	1,642
Total interest expense	$1,126,000	1,022
Net interest income	$7,754,000	1,700
Provision for loan and lease losses	$250,000	1,023
Total noninterest income	$756,000	2,357
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$356,000	1,318
Trading account gains and fees	NA	NA
Additional Noninterest Income	$400,000	2,636
Total noninterest expense	$3,424,000	2,527
Salaries and employee benefits	$2,028,000	2,473
Premises and equipment expense	$316,000	2,649
Additional noninterest expense	$1,080,000	2,483
Pre-tax net operating income	$4,836,000	1,232
Securities gains (losses)	$-36,000	4,186
Applicable income taxes	$0	3,564
Income before extraordinary items	$4,800,000	1,072
Extraordinary gains, net	$0	4
Net income	$4,800,000	1,071
Minority interest net income	$0	60
Net income of bank and minority interests.	$4,800,000	1,072
Net charge-offs	$-7,000	3,543
Cash dividends	$1,702,000	957
Sale, conversion, retirement of capital stock, net	$95,000	368
Net operating income	$4,836,000	1,097
2022-03-31 (YTD Data)		Rank
Total interest income	$4,264,000	1,640
Total interest expense	$569,000	974
Net interest income	$3,695,000	1,728
Provision for loan and lease losses	$50,000	1,338
Total noninterest income	$326,000	2,493
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$182,000	1,266
Trading account gains and fees	NA	NA
Additional Noninterest Income	$144,000	2,919
Total noninterest expense	$1,619,000	2,613
Salaries and employee benefits	$969,000	2,551
Premises and equipment expense	$137,000	2,892
Additional noninterest expense	$513,000	2,546
Pre-tax net operating income	$2,352,000	1,209
Securities gains (losses)	$-31,000	4,391
Applicable income taxes	$0	3,450
Income before extraordinary items	$2,321,000	1,071
Extraordinary gains, net	$0	4
Net income	$2,321,000	1,069
Minority interest net income	$0	50
Net income of bank and minority interests.	$2,321,000	1,071
Net charge-offs	$-7,000	3,791
Cash dividends	$1,152,000	710
Sale, conversion, retirement of capital stock, net	$92,000	284
Net operating income	$2,352,000	1,077
2021-12-31 (YTD Data)		Rank
Total interest income	$18,246,000	1,594
Total interest expense	$2,830,000	972
Net interest income	$15,416,000	1,689
Provision for loan and lease losses	$0	3,064
Total noninterest income	$1,380,000	2,632
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$659,000	1,312
Trading account gains and fees	NA	NA
Additional Noninterest Income	$721,000	2,936
Total noninterest expense	$6,737,000	2,549
Salaries and employee benefits	$3,898,000	2,545
Premises and equipment expense	$541,000	2,909
Additional noninterest expense	$2,298,000	2,358
Pre-tax net operating income	$10,059,000	1,276
Securities gains (losses)	$44,000	1,189
Applicable income taxes	$0	3,710
Income before extraordinary items	$10,103,000	1,146
Extraordinary gains, net	$0	10
Net income	$10,103,000	1,146
Minority interest net income	$0	74
Net income of bank and minority interests.	$10,103,000	1,146
Net charge-offs	$-1,102,000	4,786
Cash dividends	$2,152,000	1,454
Sale, conversion, retirement of capital stock, net	$10,000	561
Net operating income	$10,059,000	1,132
2021-09-30 (YTD Data)		Rank
Total interest income	$14,093,000	1,582
Total interest expense	$2,291,000	939
Net interest income	$11,802,000	1,688
Provision for loan and lease losses	$0	2,963
Total noninterest income	$1,002,000	2,701
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$484,000	1,324
Trading account gains and fees	NA	NA
Additional Noninterest Income	$518,000	3,032
Total noninterest expense	$4,966,000	2,588
Salaries and employee benefits	$2,896,000	2,560
Premises and equipment expense	$390,000	2,984
Additional noninterest expense	$1,680,000	2,399
Pre-tax net operating income	$7,838,000	1,289
Securities gains (losses)	$48,000	1,071
Applicable income taxes	$0	3,719
Income before extraordinary items	$7,886,000	1,148
Extraordinary gains, net	$0	8
Net income	$7,886,000	1,149
Minority interest net income	$0	69
Net income of bank and minority interests.	$7,886,000	1,149
Net charge-offs	$-1,110,000	4,872
Cash dividends	$1,602,000	1,327
Sale, conversion, retirement of capital stock, net	$8,000	525
Net operating income	$7,838,000	1,138
2021-06-30 (YTD Data)		Rank
Total interest income	$10,002,000	1,505
Total interest expense	$1,589,000	941
Net interest income	$8,413,000	1,584
Provision for loan and lease losses	$0	2,862
Total noninterest income	$650,000	2,698
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$310,000	1,325
Trading account gains and fees	NA	NA
Additional Noninterest Income	$340,000	3,027
Total noninterest expense	$3,291,000	2,590
Salaries and employee benefits	$1,946,000	2,552
Premises and equipment expense	$259,000	2,992
Additional noninterest expense	$1,086,000	2,432
Pre-tax net operating income	$5,772,000	1,177
Securities gains (losses)	$-32,000	4,765
Applicable income taxes	$0	3,702
Income before extraordinary items	$5,740,000	1,065
Extraordinary gains, net	$0	6
Net income	$5,740,000	1,066
Minority interest net income	$0	67
Net income of bank and minority interests.	$5,740,000	1,066
Net charge-offs	$-1,124,000	4,915
Cash dividends	$1,050,000	1,326
Sale, conversion, retirement of capital stock, net	$5,000	499
Net operating income	$5,772,000	1,039
2021-03-31 (YTD Data)		Rank
Total interest income	$5,270,000	1,434
Total interest expense	$813,000	971
Net interest income	$4,457,000	1,504
Provision for loan and lease losses	$0	2,741
Total noninterest income	$321,000	2,726
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$158,000	1,301
Trading account gains and fees	NA	NA
Additional Noninterest Income	$163,000	3,044
Total noninterest expense	$1,622,000	2,597
Salaries and employee benefits	$937,000	2,602
Premises and equipment expense	$127,000	3,040
Additional noninterest expense	$558,000	2,375
Pre-tax net operating income	$3,156,000	1,100
Securities gains (losses)	$-8,000	4,649
Applicable income taxes	$0	3,613
Income before extraordinary items	$3,148,000	970
Extraordinary gains, net	$0	3
Net income	$3,148,000	970
Minority interest net income	$0	55
Net income of bank and minority interests.	$3,148,000	970
Net charge-offs	$-1,124,000	4,958
Cash dividends	$500,000	1,175
Sale, conversion, retirement of capital stock, net	$2,000	472
Net operating income	$3,156,000	946
2020-12-31 (YTD Data)		Rank
Total interest income	$17,411,000	1,680
Total interest expense	$4,075,000	1,147
Net interest income	$13,336,000	1,815
Provision for loan and lease losses	$800,000	1,820
Total noninterest income	$1,038,000	2,824
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$633,000	1,350
Trading account gains and fees	NA	NA
Additional Noninterest Income	$405,000	3,363
Total noninterest expense	$6,254,000	2,632
Salaries and employee benefits	$3,753,000	2,583
Premises and equipment expense	$533,000	2,943
Additional noninterest expense	$1,968,000	2,561
Pre-tax net operating income	$7,320,000	1,340
Securities gains (losses)	$247,000	920
Applicable income taxes	$0	3,697
Income before extraordinary items	$7,567,000	1,187
Extraordinary gains, net	$0	4
Net income	$7,567,000	1,187
Minority interest net income	$0	72
Net income of bank and minority interests.	$7,567,000	1,187
Net charge-offs	$168,000	1,662
Cash dividends	$2,004,000	1,503
Sale, conversion, retirement of capital stock, net	$86,000	453
Net operating income	$7,320,000	1,185
2020-09-30 (YTD Data)		Rank
Total interest income	$13,631,000	1,619
Total interest expense	$3,214,000	1,158
Net interest income	$10,417,000	1,752
Provision for loan and lease losses	$710,000	1,655
Total noninterest income	$717,000	2,895
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$459,000	1,377
Trading account gains and fees	NA	NA
Additional Noninterest Income	$258,000	3,495
Total noninterest expense	$4,489,000	2,695
Salaries and employee benefits	$2,737,000	2,613
Premises and equipment expense	$401,000	2,948
Additional noninterest expense	$1,351,000	2,693
Pre-tax net operating income	$5,935,000	1,223
Securities gains (losses)	$256,000	777
Applicable income taxes	$0	3,696
Income before extraordinary items	$6,191,000	1,082
Extraordinary gains, net	$0	4
Net income	$6,191,000	1,082
Minority interest net income	$0	65
Net income of bank and minority interests.	$6,191,000	1,082
Net charge-offs	$168,000	1,356
Cash dividends	$1,002,000	1,692
Sale, conversion, retirement of capital stock, net	$55,000	442
Net operating income	$5,935,000	1,078
2020-06-30 (YTD Data)		Rank
Total interest income	$9,659,000	1,564
Total interest expense	$2,229,000	1,199
Net interest income	$7,430,000	1,653
Provision for loan and lease losses	$650,000	1,384
Total noninterest income	$417,000	3,040
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$302,000	1,415
Trading account gains and fees	NA	NA
Additional Noninterest Income	$115,000	3,818
Total noninterest expense	$3,195,000	2,581
Salaries and employee benefits	$1,913,000	2,541
Premises and equipment expense	$256,000	3,019
Additional noninterest expense	$1,026,000	2,472
Pre-tax net operating income	$4,002,000	1,165
Securities gains (losses)	$257,000	598
Applicable income taxes	$0	3,655
Income before extraordinary items	$4,259,000	990
Extraordinary gains, net	$0	4
Net income	$4,259,000	990
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,259,000	990
Net charge-offs	$-2,000	3,888
Cash dividends	$502,000	1,955
Sale, conversion, retirement of capital stock, net	$31,000	432
Net operating income	$4,002,000	1,015
2020-03-31 (YTD Data)		Rank
Total interest income	$3,676,000	1,940
Total interest expense	$1,142,000	1,290
Net interest income	$2,534,000	2,208
Provision for loan and lease losses	$90,000	2,048
Total noninterest income	$224,000	2,885
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$156,000	1,597
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	3,590
Total noninterest expense	$1,435,000	2,788
Salaries and employee benefits	$891,000	2,674
Premises and equipment expense	$129,000	3,027
Additional noninterest expense	$415,000	2,864
Pre-tax net operating income	$1,233,000	1,550
Securities gains (losses)	$258,000	319
Applicable income taxes	$0	3,513
Income before extraordinary items	$1,491,000	1,193
Extraordinary gains, net	$0	4
Net income	$1,491,000	1,192
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,491,000	1,193
Net charge-offs	$-1,000	3,618
Cash dividends	$502,000	1,254
Sale, conversion, retirement of capital stock, net	$13,000	428
Net operating income	$1,233,000	1,372
2019-12-31 (YTD Data)		Rank
Total interest income	$14,555,000	1,965
Total interest expense	$4,513,000	1,346
Net interest income	$10,042,000	2,231
Provision for loan and lease losses	$940,000	944
Total noninterest income	$1,329,000	2,440
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$662,000	1,571
Trading account gains and fees	NA	NA
Additional Noninterest Income	$667,000	2,726
Total noninterest expense	$5,358,000	2,887
Salaries and employee benefits	$3,309,000	2,757
Premises and equipment expense	$511,000	3,057
Additional noninterest expense	$1,538,000	3,040
Pre-tax net operating income	$5,073,000	1,729
Securities gains (losses)	$88,000	994
Applicable income taxes	$0	3,859
Income before extraordinary items	$5,161,000	1,558
Extraordinary gains, net	$0	11
Net income	$5,161,000	1,560
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,161,000	1,560
Net charge-offs	$385,000	1,215
Cash dividends	$1,752,000	1,718
Sale, conversion, retirement of capital stock, net	$99,000	483
Net operating income	$5,073,000	1,542
2019-09-30 (YTD Data)		Rank
Total interest income	$10,803,000	2,002
Total interest expense	$3,329,000	1,372
Net interest income	$7,474,000	2,276
Provision for loan and lease losses	$350,000	1,466
Total noninterest income	$1,002,000	2,451
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$504,000	1,561
Trading account gains and fees	NA	NA
Additional Noninterest Income	$498,000	2,742
Total noninterest expense	$3,959,000	2,922
Salaries and employee benefits	$2,423,000	2,814
Premises and equipment expense	$382,000	3,103
Additional noninterest expense	$1,154,000	3,050
Pre-tax net operating income	$4,167,000	1,665
Securities gains (losses)	$51,000	1,063
Applicable income taxes	$0	3,902
Income before extraordinary items	$4,218,000	1,482
Extraordinary gains, net	$0	11
Net income	$4,218,000	1,483
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,218,000	1,484
Net charge-offs	$-142,000	5,029
Cash dividends	$1,252,000	1,580
Sale, conversion, retirement of capital stock, net	$81,000	441
Net operating income	$4,167,000	1,466
2019-06-30 (YTD Data)		Rank
Total interest income	$7,115,000	2,025
Total interest expense	$2,238,000	1,348
Net interest income	$4,877,000	2,320
Provision for loan and lease losses	$180,000	1,640
Total noninterest income	$621,000	2,510
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$342,000	1,514
Trading account gains and fees	NA	NA
Additional Noninterest Income	$279,000	2,887
Total noninterest expense	$2,654,000	2,930
Salaries and employee benefits	$1,626,000	2,812
Premises and equipment expense	$254,000	3,114
Additional noninterest expense	$774,000	3,073
Pre-tax net operating income	$2,664,000	1,695
Securities gains (losses)	$34,000	860
Applicable income taxes	$0	3,901
Income before extraordinary items	$2,698,000	1,505
Extraordinary gains, net	$0	11
Net income	$2,698,000	1,505
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,698,000	1,505
Net charge-offs	$-4,000	4,200
Cash dividends	$750,000	1,703
Sale, conversion, retirement of capital stock, net	$76,000	383
Net operating income	$2,664,000	1,490
2019-03-31 (YTD Data)		Rank
Total interest income	$3,553,000	2,025
Total interest expense	$1,119,000	1,310
Net interest income	$2,434,000	2,329
Provision for loan and lease losses	$90,000	1,533
Total noninterest income	$287,000	2,572
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$173,000	1,485
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	3,057
Total noninterest expense	$1,354,000	2,906
Salaries and employee benefits	$835,000	2,790
Premises and equipment expense	$127,000	3,145
Additional noninterest expense	$392,000	3,045
Pre-tax net operating income	$1,277,000	1,725
Securities gains (losses)	$4,000	883
Applicable income taxes	$0	3,800
Income before extraordinary items	$1,281,000	1,542
Extraordinary gains, net	$0	5
Net income	$1,281,000	1,541
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,281,000	1,541
Net charge-offs	$-1,000	3,818
Cash dividends	$250,000	1,856
Sale, conversion, retirement of capital stock, net	$5,000	497
Net operating income	$1,277,000	1,521
2018-12-31 (YTD Data)		Rank
Total interest income	$12,570,000	2,135
Total interest expense	$3,217,000	1,355
Net interest income	$9,353,000	2,372
Provision for loan and lease losses	$400,000	1,664
Total noninterest income	$1,145,000	2,676
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$631,000	1,674
Trading account gains and fees	NA	NA
Additional Noninterest Income	$514,000	3,027
Total noninterest expense	$5,406,000	2,912
Salaries and employee benefits	$3,153,000	2,865
Premises and equipment expense	$495,000	3,168
Additional noninterest expense	$1,758,000	2,848
Pre-tax net operating income	$4,692,000	1,868
Securities gains (losses)	$0	1,125
Applicable income taxes	$0	3,978
Income before extraordinary items	$4,692,000	1,665
Extraordinary gains, net	$0	6
Net income	$4,692,000	1,664
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,692,000	1,664
Net charge-offs	$422,000	1,070
Cash dividends	$2,100,000	1,411
Sale, conversion, retirement of capital stock, net	$-92,000	5,360
Net operating income	$4,692,000	1,661
2018-09-30 (YTD Data)		Rank
Total interest income	$9,114,000	2,176
Total interest expense	$2,175,000	1,405
Net interest income	$6,939,000	2,399
Provision for loan and lease losses	$100,000	2,576
Total noninterest income	$871,000	2,692
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$446,000	1,764
Trading account gains and fees	NA	NA
Additional Noninterest Income	$425,000	2,957
Total noninterest expense	$4,057,000	2,916
Salaries and employee benefits	$2,342,000	2,892
Premises and equipment expense	$368,000	3,224
Additional noninterest expense	$1,347,000	2,798
Pre-tax net operating income	$3,653,000	1,828
Securities gains (losses)	$0	1,118
Applicable income taxes	$0	4,032
Income before extraordinary items	$3,653,000	1,633
Extraordinary gains, net	$0	5
Net income	$3,653,000	1,631
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,653,000	1,632
Net charge-offs	$248,000	1,106
Cash dividends	$1,600,000	1,244
Sale, conversion, retirement of capital stock, net	$-95,000	5,439
Net operating income	$3,653,000	1,616
2018-06-30 (YTD Data)		Rank
Total interest income	$5,855,000	2,226
Total interest expense	$1,263,000	1,487
Net interest income	$4,592,000	2,408
Provision for loan and lease losses	$0	3,782
Total noninterest income	$510,000	2,862
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$292,000	1,788
Trading account gains and fees	NA	NA
Additional Noninterest Income	$218,000	3,274
Total noninterest expense	$2,677,000	2,960
Salaries and employee benefits	$1,535,000	2,937
Premises and equipment expense	$244,000	3,260
Additional noninterest expense	$898,000	2,803
Pre-tax net operating income	$2,425,000	1,814
Securities gains (losses)	$0	961
Applicable income taxes	$0	4,018
Income before extraordinary items	$2,425,000	1,616
Extraordinary gains, net	$0	6
Net income	$2,425,000	1,615
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,425,000	1,615
Net charge-offs	$-8,000	4,455
Cash dividends	$1,100,000	1,217
Sale, conversion, retirement of capital stock, net	$-99,000	5,505
Net operating income	$2,425,000	1,602
2018-03-31 (YTD Data)		Rank
Total interest income	$2,815,000	2,285
Total interest expense	$581,000	1,525
Net interest income	$2,234,000	2,454
Provision for loan and lease losses	$0	3,508
Total noninterest income	$242,000	2,901
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$142,000	1,823
Trading account gains and fees	NA	NA
Additional Noninterest Income	$100,000	3,345
Total noninterest expense	$1,315,000	3,014
Salaries and employee benefits	$755,000	2,992
Premises and equipment expense	$123,000	3,267
Additional noninterest expense	$437,000	2,899
Pre-tax net operating income	$1,161,000	1,830
Securities gains (losses)	$0	735
Applicable income taxes	$0	3,948
Income before extraordinary items	$1,161,000	1,624
Extraordinary gains, net	$0	7
Net income	$1,161,000	1,624
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,161,000	1,624
Net charge-offs	$-2,000	4,048
Cash dividends	$600,000	1,040
Sale, conversion, retirement of capital stock, net	$-101,000	5,580
Net operating income	$1,161,000	1,610
2017-12-31 (YTD Data)		Rank
Total interest income	$10,471,000	2,356
Total interest expense	$1,713,000	1,728
Net interest income	$8,758,000	2,464
Provision for loan and lease losses	$0	4,227
Total noninterest income	$927,000	3,051
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$534,000	1,938
Trading account gains and fees	NA	NA
Additional Noninterest Income	$393,000	3,475
Total noninterest expense	$4,625,000	3,254
Salaries and employee benefits	$2,936,000	3,039
Premises and equipment expense	$412,000	3,600
Additional noninterest expense	$1,277,000	3,541
Pre-tax net operating income	$5,060,000	1,692
Securities gains (losses)	$44,000	951
Applicable income taxes	$0	4,135
Income before extraordinary items	$5,104,000	1,321
Extraordinary gains, net	$0	9
Net income	$5,104,000	1,321
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,104,000	1,321
Net charge-offs	$533,000	1,044
Cash dividends	$1,400,000	1,790
Sale, conversion, retirement of capital stock, net	$236,000	383
Net operating income	$5,060,000	1,320
2017-09-30 (YTD Data)		Rank
Total interest income	$7,605,000	2,428
Total interest expense	$1,246,000	1,758
Net interest income	$6,359,000	2,543
Provision for loan and lease losses	$0	4,088
Total noninterest income	$681,000	3,101
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$382,000	2,005
Trading account gains and fees	NA	NA
Additional Noninterest Income	$299,000	3,482
Total noninterest expense	$3,421,000	3,301
Salaries and employee benefits	$2,180,000	3,061
Premises and equipment expense	$293,000	3,727
Additional noninterest expense	$948,000	3,578
Pre-tax net operating income	$3,619,000	1,786
Securities gains (losses)	$40,000	975
Applicable income taxes	$0	4,172
Income before extraordinary items	$3,659,000	1,474
Extraordinary gains, net	$0	9
Net income	$3,659,000	1,473
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,659,000	1,474
Net charge-offs	$-34,000	5,068
Cash dividends	$1,400,000	1,367
Sale, conversion, retirement of capital stock, net	$232,000	329
Net operating income	$3,619,000	1,469
2017-06-30 (YTD Data)		Rank
Total interest income	$5,127,000	2,379
Total interest expense	$799,000	1,770
Net interest income	$4,328,000	2,484
Provision for loan and lease losses	$0	3,871
Total noninterest income	$439,000	3,177
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$246,000	2,053
Trading account gains and fees	NA	NA
Additional Noninterest Income	$193,000	3,529
Total noninterest expense	$2,282,000	3,324
Salaries and employee benefits	$1,466,000	3,058
Premises and equipment expense	$186,000	3,836
Additional noninterest expense	$630,000	3,599
Pre-tax net operating income	$2,485,000	1,711
Securities gains (losses)	$0	1,906
Applicable income taxes	$0	4,189
Income before extraordinary items	$2,485,000	1,433
Extraordinary gains, net	$0	11
Net income	$2,485,000	1,433
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,485,000	1,434
Net charge-offs	$-30,000	5,135
Cash dividends	$900,000	1,419
Sale, conversion, retirement of capital stock, net	$132,000	320
Net operating income	$2,485,000	1,416
2017-03-31 (YTD Data)		Rank
Total interest income	$2,581,000	2,362
Total interest expense	$377,000	1,831
Net interest income	$2,204,000	2,437
Provision for loan and lease losses	$0	3,537
Total noninterest income	$247,000	2,978
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$124,000	2,050
Trading account gains and fees	NA	NA
Additional Noninterest Income	$123,000	3,187
Total noninterest expense	$1,170,000	3,289
Salaries and employee benefits	$780,000	2,991
Premises and equipment expense	$95,000	3,835
Additional noninterest expense	$295,000	3,751
Pre-tax net operating income	$1,281,000	1,629
Securities gains (losses)	$0	1,153
Applicable income taxes	$0	4,086
Income before extraordinary items	$1,281,000	1,385
Extraordinary gains, net	$0	8
Net income	$1,281,000	1,384
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,281,000	1,385
Net charge-offs	$-151,000	5,684
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$128,000	224
Net operating income	$1,281,000	1,365
2016-12-31 (YTD Data)		Rank
Total interest income	$9,445,000	2,525
Total interest expense	$1,393,000	1,900
Net interest income	$8,052,000	2,613
Provision for loan and lease losses	$0	4,332
Total noninterest income	$774,000	3,430
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$368,000	2,598
Trading account gains and fees	$0	170
Additional Noninterest Income	$406,000	3,542
Total noninterest expense	$4,070,000	3,615
Salaries and employee benefits	$2,410,000	3,477
Premises and equipment expense	$374,000	3,903
Additional noninterest expense	$1,286,000	3,660
Pre-tax net operating income	$4,756,000	1,686
Securities gains (losses)	$132,000	1,140
Applicable income taxes	$0	4,278
Income before extraordinary items	$4,888,000	1,420
Extraordinary gains, net	$0	5
Net income	$4,888,000	1,419
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,888,000	1,419
Net charge-offs	$-71,000	5,444
Cash dividends	$2,100,000	1,339
Sale, conversion, retirement of capital stock, net	$42,000	602
Net operating income	$4,756,000	1,413
2016-09-30 (YTD Data)		Rank
Total interest income	$7,029,000	2,547
Total interest expense	$1,027,000	1,939
Net interest income	$6,002,000	2,629
Provision for loan and lease losses	$0	4,186
Total noninterest income	$541,000	3,547
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$242,000	2,840
Trading account gains and fees	$0	169
Additional Noninterest Income	$299,000	3,580
Total noninterest expense	$3,012,000	3,653
Salaries and employee benefits	$1,759,000	3,527
Premises and equipment expense	$280,000	3,916
Additional noninterest expense	$973,000	3,674
Pre-tax net operating income	$3,531,000	1,722
Securities gains (losses)	$132,000	1,072
Applicable income taxes	$0	4,325
Income before extraordinary items	$3,663,000	1,443
Extraordinary gains, net	$0	5
Net income	$3,663,000	1,443
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,663,000	1,443
Net charge-offs	$-217,000	5,743
Cash dividends	$1,500,000	1,263
Sale, conversion, retirement of capital stock, net	$32,000	567
Net operating income	$3,531,000	1,443
2016-06-30 (YTD Data)		Rank
Total interest income	$4,402,000	2,673
Total interest expense	$674,000	1,965
Net interest income	$3,728,000	2,771
Provision for loan and lease losses	$0	4,017
Total noninterest income	$332,000	3,691
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$138,000	3,093
Trading account gains and fees	$0	157
Additional Noninterest Income	$194,000	3,644
Total noninterest expense	$2,025,000	3,655
Salaries and employee benefits	$1,192,000	3,518
Premises and equipment expense	$187,000	3,940
Additional noninterest expense	$646,000	3,706
Pre-tax net operating income	$2,035,000	1,911
Securities gains (losses)	$32,000	1,714
Applicable income taxes	$0	4,338
Income before extraordinary items	$2,067,000	1,616
Extraordinary gains, net	$0	16
Net income	$2,067,000	1,617
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,067,000	1,617
Net charge-offs	$-5,000	4,738
Cash dividends	$1,200,000	1,138
Sale, conversion, retirement of capital stock, net	$21,000	557
Net operating income	$2,035,000	1,586
2016-03-31 (YTD Data)		Rank
Total interest income	$2,170,000	2,710
Total interest expense	$329,000	1,999
Net interest income	$1,841,000	2,790
Provision for loan and lease losses	$0	3,656
Total noninterest income	$138,000	3,948
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$58,000	3,385
Trading account gains and fees	$0	142
Additional Noninterest Income	$80,000	3,869
Total noninterest expense	$1,000,000	3,709
Salaries and employee benefits	$586,000	3,575
Premises and equipment expense	$95,000	3,941
Additional noninterest expense	$319,000	3,731
Pre-tax net operating income	$979,000	1,951
Securities gains (losses)	$14,000	1,386
Applicable income taxes	$0	4,259
Income before extraordinary items	$993,000	1,635
Extraordinary gains, net	$0	12
Net income	$993,000	1,636
Minority interest net income	$0	62
Net income of bank and minority interests.	$993,000	1,636
Net charge-offs	$-2,000	4,420
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$11,000	517
Net operating income	$979,000	1,614
2015-12-31 (YTD Data)		Rank
Total interest income	$7,780,000	2,891
Total interest expense	$1,168,000	2,167
Net interest income	$6,612,000	2,988
Provision for loan and lease losses	$0	4,380
Total noninterest income	$408,000	4,459
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$163,000	4,035
Trading account gains and fees	$0	159
Additional Noninterest Income	$245,000	4,211
Total noninterest expense	$3,730,000	3,860
Salaries and employee benefits	$2,037,000	3,864
Premises and equipment expense	$369,000	4,051
Additional noninterest expense	$1,324,000	3,693
Pre-tax net operating income	$3,290,000	2,168
Securities gains (losses)	$9,000	2,638
Applicable income taxes	$0	4,402
Income before extraordinary items	$3,299,000	1,895
Extraordinary gains, net	$0	23
Net income	$3,299,000	1,894
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,299,000	1,897
Net charge-offs	$-16,000	5,291
Cash dividends	$745,000	2,487
Sale, conversion, retirement of capital stock, net	$42,000	622
Net operating income	$3,290,000	1,851
2015-09-30 (YTD Data)		Rank
Total interest income	$5,727,000	2,947
Total interest expense	$858,000	2,222
Net interest income	$4,869,000	3,054
Provision for loan and lease losses	$0	4,232
Total noninterest income	$264,000	4,667
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$111,000	4,207
Trading account gains and fees	$0	153
Additional Noninterest Income	$153,000	4,464
Total noninterest expense	$2,775,000	3,900
Salaries and employee benefits	$1,509,000	3,910
Premises and equipment expense	$273,000	4,142
Additional noninterest expense	$993,000	3,710
Pre-tax net operating income	$2,358,000	2,282
Securities gains (losses)	$10,000	2,368
Applicable income taxes	$0	4,489
Income before extraordinary items	$2,368,000	1,979
Extraordinary gains, net	$0	21
Net income	$2,368,000	1,981
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,368,000	1,981
Net charge-offs	$-13,000	5,227
Cash dividends	$725,000	1,937
Sale, conversion, retirement of capital stock, net	$32,000	586
Net operating income	$2,358,000	1,944
2015-06-30 (YTD Data)		Rank
Total interest income	$3,722,000	3,005
Total interest expense	$565,000	2,251
Net interest income	$3,157,000	3,102
Provision for loan and lease losses	$0	4,069
Total noninterest income	$2,000	6,243
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$68,000	4,320
Trading account gains and fees	$0	157
Additional Noninterest Income	$-66,000	6,281
Total noninterest expense	$1,874,000	3,900
Salaries and employee benefits	$994,000	3,964
Premises and equipment expense	$184,000	4,157
Additional noninterest expense	$696,000	3,602
Pre-tax net operating income	$1,285,000	2,613
Securities gains (losses)	$10,000	2,017
Applicable income taxes	$0	4,497
Income before extraordinary items	$1,295,000	2,296
Extraordinary gains, net	$0	22
Net income	$1,295,000	2,298
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,295,000	2,298
Net charge-offs	$-10,000	5,254
Cash dividends	$725,000	1,548
Sale, conversion, retirement of capital stock, net	$21,000	576
Net operating income	$1,285,000	2,266
2015-03-31 (YTD Data)		Rank
Total interest income	$1,764,000	3,134
Total interest expense	$280,000	2,285
Net interest income	$1,484,000	3,250
Provision for loan and lease losses	$0	3,703
Total noninterest income	$72,000	4,906
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$31,000	4,446
Trading account gains and fees	$0	152
Additional Noninterest Income	$41,000	4,730
Total noninterest expense	$938,000	3,933
Salaries and employee benefits	$498,000	3,985
Premises and equipment expense	$92,000	4,191
Additional noninterest expense	$348,000	3,603
Pre-tax net operating income	$618,000	2,634
Securities gains (losses)	$5,000	1,653
Applicable income taxes	$0	4,400
Income before extraordinary items	$623,000	2,325
Extraordinary gains, net	$0	13
Net income	$623,000	2,326
Minority interest net income	$0	64
Net income of bank and minority interests.	$623,000	2,326
Net charge-offs	$-7,000	5,272
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$10,000	555
Net operating income	$618,000	2,275
2014-12-31 (YTD Data)		Rank
Total interest income	$7,096,000	3,148
Total interest expense	$1,064,000	2,482
Net interest income	$6,032,000	3,235
Provision for loan and lease losses	$0	4,603
Total noninterest income	$151,000	5,658
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$149,000	4,398
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,000	6,248
Total noninterest expense	$3,581,000	4,086
Salaries and employee benefits	$1,786,000	4,235
Premises and equipment expense	$381,000	4,205
Additional noninterest expense	$1,414,000	3,674
Pre-tax net operating income	$2,602,000	2,504
Securities gains (losses)	$-14,000	6,087
Applicable income taxes	$0	4,531
Income before extraordinary items	$2,588,000	2,250
Extraordinary gains, net	$0	17
Net income	$2,588,000	2,250
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,588,000	2,250
Net charge-offs	$-26,000	5,861
Cash dividends	$425,000	3,046
Sale, conversion, retirement of capital stock, net	$10,000	784
Net operating income	$2,602,000	2,190
2014-09-30 (YTD Data)		Rank
Total interest income	$5,366,000	3,153
Total interest expense	$799,000	2,520
Net interest income	$4,567,000	3,237
Provision for loan and lease losses	$0	4,401
Total noninterest income	$160,000	5,419
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$110,000	4,470
Trading account gains and fees	$0	174
Additional Noninterest Income	$50,000	5,623
Total noninterest expense	$2,627,000	4,150
Salaries and employee benefits	$1,296,000	4,324
Premises and equipment expense	$285,000	4,254
Additional noninterest expense	$1,046,000	3,728
Pre-tax net operating income	$2,100,000	2,436
Securities gains (losses)	$12,000	2,252
Applicable income taxes	$0	4,583
Income before extraordinary items	$2,112,000	2,130
Extraordinary gains, net	$0	15
Net income	$2,112,000	2,128
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,112,000	2,128
Net charge-offs	$-7,000	5,535
Cash dividends	$425,000	2,398
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,100,000	2,095
2014-06-30 (YTD Data)		Rank
Total interest income	$3,508,000	3,205
Total interest expense	$541,000	2,510
Net interest income	$2,967,000	3,293
Provision for loan and lease losses	$0	4,196
Total noninterest income	$98,000	5,515
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$72,000	4,502
Trading account gains and fees	$0	172
Additional Noninterest Income	$26,000	5,821
Total noninterest expense	$1,725,000	4,215
Salaries and employee benefits	$852,000	4,393
Premises and equipment expense	$187,000	4,314
Additional noninterest expense	$686,000	3,786
Pre-tax net operating income	$1,340,000	2,444
Securities gains (losses)	$12,000	1,855
Applicable income taxes	$0	4,568
Income before extraordinary items	$1,352,000	2,153
Extraordinary gains, net	$0	20
Net income	$1,352,000	2,157
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,352,000	2,156
Net charge-offs	$-4,000	5,382
Cash dividends	$425,000	1,985
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,340,000	2,120
2014-03-31 (YTD Data)		Rank
Total interest income	$1,694,000	3,301
Total interest expense	$275,000	2,504
Net interest income	$1,419,000	3,401
Provision for loan and lease losses	$0	3,817
Total noninterest income	$49,000	5,535
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	$11,000	5,913
Total noninterest expense	$854,000	4,263
Salaries and employee benefits	$424,000	4,447
Premises and equipment expense	$90,000	4,453
Additional noninterest expense	$340,000	3,817
Pre-tax net operating income	$614,000	2,536
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$614,000	2,233
Extraordinary gains, net	$0	16
Net income	$614,000	2,235
Minority interest net income	$0	66
Net income of bank and minority interests.	$614,000	2,235
Net charge-offs	$1,000	3,492
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$614,000	2,196
2013-12-31 (YTD Data)		Rank
Total interest income	$5,809,000	3,699
Total interest expense	$1,077,000	2,799
Net interest income	$4,732,000	3,831
Provision for loan and lease losses	$0	5,091
Total noninterest income	$202,000	5,596
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$139,000	4,713
Trading account gains and fees	$0	184
Additional Noninterest Income	$63,000	5,740
Total noninterest expense	$3,368,000	4,348
Salaries and employee benefits	$1,544,000	4,685
Premises and equipment expense	$388,000	4,286
Additional noninterest expense	$1,436,000	3,760
Pre-tax net operating income	$1,566,000	3,326
Securities gains (losses)	$156,000	1,042
Applicable income taxes	$0	4,631
Income before extraordinary items	$1,722,000	2,882
Extraordinary gains, net	$0	29
Net income	$1,722,000	2,884
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,722,000	2,885
Net charge-offs	$240,000	2,811
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,566,000	3,009
2013-09-30 (YTD Data)		Rank
Total interest income	$4,217,000	3,814
Total interest expense	$803,000	2,881
Net interest income	$3,414,000	3,962
Provision for loan and lease losses	$0	4,941
Total noninterest income	$180,000	5,505
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$96,000	4,890
Trading account gains and fees	$0	180
Additional Noninterest Income	$84,000	5,349
Total noninterest expense	$2,490,000	4,409
Salaries and employee benefits	$1,139,000	4,743
Premises and equipment expense	$287,000	4,348
Additional noninterest expense	$1,064,000	3,786
Pre-tax net operating income	$1,104,000	3,507
Securities gains (losses)	$143,000	1,003
Applicable income taxes	$0	4,713
Income before extraordinary items	$1,247,000	3,003
Extraordinary gains, net	$0	25
Net income	$1,247,000	3,007
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,247,000	3,007
Net charge-offs	$77,000	3,508
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,104,000	3,164
2013-06-30 (YTD Data)		Rank
Total interest income	$2,748,000	3,887
Total interest expense	$521,000	2,979
Net interest income	$2,227,000	4,020
Provision for loan and lease losses	$0	4,788
Total noninterest income	$103,000	5,697
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$48,000	5,370
Trading account gains and fees	$0	157
Additional Noninterest Income	$55,000	5,409
Total noninterest expense	$1,644,000	4,441
Salaries and employee benefits	$754,000	4,798
Premises and equipment expense	$187,000	4,423
Additional noninterest expense	$703,000	3,823
Pre-tax net operating income	$686,000	3,604
Securities gains (losses)	$143,000	905
Applicable income taxes	$0	4,679
Income before extraordinary items	$829,000	2,995
Extraordinary gains, net	$0	22
Net income	$829,000	2,997
Minority interest net income	$0	82
Net income of bank and minority interests.	$829,000	2,998
Net charge-offs	$44,000	3,462
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$686,000	3,261
2013-03-31 (YTD Data)		Rank
Total interest income	$1,326,000	4,003
Total interest expense	$250,000	3,146
Net interest income	$1,076,000	4,133
Provision for loan and lease losses	$0	4,409
Total noninterest income	$42,000	5,900
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$21,000	5,534
Trading account gains and fees	$0	148
Additional Noninterest Income	$21,000	5,637
Total noninterest expense	$802,000	4,529
Salaries and employee benefits	$372,000	4,863
Premises and equipment expense	$89,000	4,561
Additional noninterest expense	$341,000	3,914
Pre-tax net operating income	$316,000	3,709
Securities gains (losses)	$2,000	1,785
Applicable income taxes	$0	4,602
Income before extraordinary items	$318,000	3,462
Extraordinary gains, net	$0	10
Net income	$318,000	3,462
Minority interest net income	$0	76
Net income of bank and minority interests.	$318,000	3,464
Net charge-offs	$34,000	2,713
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$316,000	3,381
2012-12-31 (YTD Data)		Rank
Total interest income	$5,107,000	4,251
Total interest expense	$1,031,000	3,535
Net interest income	$4,076,000	4,364
Provision for loan and lease losses	$0	5,905
Total noninterest income	$558,000	4,301
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$99,000	5,455
Trading account gains and fees	$0	166
Additional Noninterest Income	$459,000	3,450
Total noninterest expense	$3,868,000	4,119
Salaries and employee benefits	$1,568,000	4,735
Premises and equipment expense	$790,000	2,779
Additional noninterest expense	$1,510,000	3,772
Pre-tax net operating income	$766,000	4,391
Securities gains (losses)	$330,000	1,282
Applicable income taxes	$0	4,751
Income before extraordinary items	$1,096,000	3,720
Extraordinary gains, net	$0	29
Net income	$1,096,000	3,721
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,096,000	3,723
Net charge-offs	$1,210,000	1,622
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$5,000,000	82
Net operating income	$766,000	4,161
2012-09-30 (YTD Data)		Rank
Total interest income	$3,799,000	4,340
Total interest expense	$797,000	3,595
Net interest income	$3,002,000	4,479
Provision for loan and lease losses	$0	5,790
Total noninterest income	$534,000	3,888
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$74,000	5,532
Trading account gains and fees	$0	157
Additional Noninterest Income	$460,000	3,070
Total noninterest expense	$3,076,000	3,990
Salaries and employee benefits	$1,175,000	4,752
Premises and equipment expense	$709,000	2,407
Additional noninterest expense	$1,192,000	3,682
Pre-tax net operating income	$460,000	4,814
Securities gains (losses)	$330,000	1,033
Applicable income taxes	$0	4,802
Income before extraordinary items	$790,000	3,881
Extraordinary gains, net	$0	20
Net income	$790,000	3,882
Minority interest net income	$0	86
Net income of bank and minority interests.	$790,000	3,883
Net charge-offs	$904,000	1,566
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$5,000,000	53
Net operating income	$460,000	4,586
2012-06-30 (YTD Data)		Rank
Total interest income	$2,534,000	4,372
Total interest expense	$550,000	3,609
Net interest income	$1,984,000	4,515
Provision for loan and lease losses	$0	5,619
Total noninterest income	$417,000	3,575
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$43,000	5,727
Trading account gains and fees	$0	153
Additional Noninterest Income	$374,000	2,733
Total noninterest expense	$1,841,000	4,290
Salaries and employee benefits	$768,000	4,844
Premises and equipment expense	$318,000	3,290
Additional noninterest expense	$755,000	3,810
Pre-tax net operating income	$560,000	3,923
Securities gains (losses)	$77,000	1,770
Applicable income taxes	$0	4,770
Income before extraordinary items	$637,000	3,514
Extraordinary gains, net	$0	19
Net income	$637,000	3,515
Minority interest net income	$0	84
Net income of bank and minority interests.	$637,000	3,515
Net charge-offs	$287,000	2,371
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$5,000,000	37
Net operating income	$560,000	3,591
2012-03-31 (YTD Data)		Rank
Total interest income	$1,240,000	4,481
Total interest expense	$298,000	3,527
Net interest income	$942,000	4,697
Provision for loan and lease losses	$0	5,254
Total noninterest income	$93,000	5,052
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$20,000	5,813
Trading account gains and fees	$0	148
Additional Noninterest Income	$73,000	4,160
Total noninterest expense	$930,000	4,287
Salaries and employee benefits	$392,000	4,828
Premises and equipment expense	$157,000	3,345
Additional noninterest expense	$381,000	3,761
Pre-tax net operating income	$105,000	5,342
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$105,000	5,297
Extraordinary gains, net	$0	19
Net income	$105,000	5,299
Minority interest net income	$0	78
Net income of bank and minority interests.	$105,000	5,299
Net charge-offs	$289,000	1,527
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$3,000,000	34
Net operating income	$105,000	5,157
2011-12-31 (YTD Data)		Rank
Total interest income	$5,313,000	4,394
Total interest expense	$1,372,000	3,653
Net interest income	$3,941,000	4,572
Provision for loan and lease losses	$1,588,000	1,821
Total noninterest income	$564,000	4,193
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$106,000	5,428
Trading account gains and fees	$0	146
Additional Noninterest Income	$458,000	3,242
Total noninterest expense	$4,625,000	3,735
Salaries and employee benefits	$1,567,000	4,845
Premises and equipment expense	$627,000	3,467
Additional noninterest expense	$2,431,000	2,634
Pre-tax net operating income	$-1,708,000	6,744
Securities gains (losses)	$630,000	667
Applicable income taxes	$0	4,719
Income before extraordinary items	$-1,078,000	6,661
Extraordinary gains, net	$0	29
Net income	$-1,078,000	6,662
Minority interest net income	$0	96
Net income of bank and minority interests.	$-1,078,000	6,661
Net charge-offs	$2,023,000	1,540
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-1,708,000	6,766
2011-09-30 (YTD Data)		Rank
Total interest income	$4,078,000	4,388
Total interest expense	$1,064,000	3,684
Net interest income	$3,014,000	4,550
Provision for loan and lease losses	$1,588,000	1,452
Total noninterest income	$61,000	6,665
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$77,000	5,511
Trading account gains and fees	$0	145
Additional Noninterest Income	$-16,000	6,940
Total noninterest expense	$3,254,000	3,905
Salaries and employee benefits	$1,182,000	4,815
Premises and equipment expense	$471,000	3,500
Additional noninterest expense	$1,601,000	2,964
Pre-tax net operating income	$-1,767,000	6,970
Securities gains (losses)	$498,000	646
Applicable income taxes	$0	4,740
Income before extraordinary items	$-1,269,000	6,924
Extraordinary gains, net	$0	21
Net income	$-1,269,000	6,925
Minority interest net income	$0	87
Net income of bank and minority interests.	$-1,269,000	6,925
Net charge-offs	$1,463,000	1,521
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-1,767,000	7,012
2011-06-30 (YTD Data)		Rank
Total interest income	$2,709,000	4,438
Total interest expense	$747,000	3,660
Net interest income	$1,962,000	4,634
Provision for loan and lease losses	$1,588,000	1,074
Total noninterest income	$-11,000	7,220
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$50,000	5,535
Trading account gains and fees	$0	153
Additional Noninterest Income	$-61,000	7,147
Total noninterest expense	$2,201,000	3,914
Salaries and employee benefits	$795,000	4,838
Premises and equipment expense	$312,000	3,551
Additional noninterest expense	$1,094,000	2,959
Pre-tax net operating income	$-1,838,000	7,152
Securities gains (losses)	$238,000	647
Applicable income taxes	$0	4,697
Income before extraordinary items	$-1,600,000	7,159
Extraordinary gains, net	$0	15
Net income	$-1,600,000	7,160
Minority interest net income	$0	89
Net income of bank and minority interests.	$-1,600,000	7,160
Net charge-offs	$1,470,000	1,142
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-1,838,000	7,183
2011-03-31 (YTD Data)		Rank
Total interest income	$1,323,000	4,521
Total interest expense	$392,000	3,652
Net interest income	$931,000	4,776
Provision for loan and lease losses	$200,000	2,421
Total noninterest income	$105,000	4,833
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$28,000	5,334
Trading account gains and fees	$0	158
Additional Noninterest Income	$77,000	3,973
Total noninterest expense	$1,176,000	3,755
Salaries and employee benefits	$406,000	4,828
Premises and equipment expense	$160,000	3,534
Additional noninterest expense	$610,000	2,686
Pre-tax net operating income	$-340,000	6,981
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$-340,000	7,031
Extraordinary gains, net	$0	9
Net income	$-340,000	7,031
Minority interest net income	$0	86
Net income of bank and minority interests.	$-340,000	7,031
Net charge-offs	$-10,000	6,997
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-340,000	7,016
2010-12-31 (YTD Data)		Rank
Total interest income	$6,056,000	4,298
Total interest expense	$2,083,000	3,448
Net interest income	$3,973,000	4,607
Provision for loan and lease losses	$2,220,000	1,942
Total noninterest income	$417,000	4,896
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$195,000	4,458
Trading account gains and fees	$0	175
Additional Noninterest Income	$222,000	4,433
Total noninterest expense	$3,955,000	4,244
Salaries and employee benefits	$1,465,000	5,105
Premises and equipment expense	$631,000	3,584
Additional noninterest expense	$1,859,000	3,459
Pre-tax net operating income	$-1,785,000	6,721
Securities gains (losses)	$213,000	1,536
Applicable income taxes	$0	4,655
Income before extraordinary items	$-1,572,000	6,761
Extraordinary gains, net	$0	29
Net income	$-1,572,000	6,761
Minority interest net income	$0	111
Net income of bank and minority interests.	$-1,572,000	6,762
Net charge-offs	$2,871,000	1,504
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-1,785,000	6,779
2010-09-30 (YTD Data)		Rank
Total interest income	$4,705,000	4,267
Total interest expense	$1,644,000	3,454
Net interest income	$3,061,000	4,585
Provision for loan and lease losses	$1,840,000	1,757
Total noninterest income	$312,000	4,982
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$133,000	4,709
Trading account gains and fees	$0	165
Additional Noninterest Income	$179,000	4,355
Total noninterest expense	$2,925,000	4,303
Salaries and employee benefits	$1,069,000	5,236
Premises and equipment expense	$468,000	3,670
Additional noninterest expense	$1,388,000	3,436
Pre-tax net operating income	$-1,392,000	6,912
Securities gains (losses)	$188,000	1,420
Applicable income taxes	$0	4,726
Income before extraordinary items	$-1,204,000	6,961
Extraordinary gains, net	$0	23
Net income	$-1,204,000	6,960
Minority interest net income	$0	110
Net income of bank and minority interests.	$-1,204,000	6,961
Net charge-offs	$1,920,000	1,545
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-1,392,000	6,980
2010-06-30 (YTD Data)		Rank
Total interest income	$3,197,000	4,252
Total interest expense	$1,110,000	3,520
Net interest income	$2,087,000	4,508
Provision for loan and lease losses	$1,090,000	1,859
Total noninterest income	$248,000	4,641
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$63,000	5,279
Trading account gains and fees	$0	152
Additional Noninterest Income	$185,000	3,630
Total noninterest expense	$2,095,000	4,106
Salaries and employee benefits	$690,000	5,357
Premises and equipment expense	$309,000	3,722
Additional noninterest expense	$1,096,000	2,958
Pre-tax net operating income	$-850,000	6,929
Securities gains (losses)	$12,000	2,543
Applicable income taxes	$0	4,691
Income before extraordinary items	$-838,000	7,021
Extraordinary gains, net	$0	19
Net income	$-838,000	7,021
Minority interest net income	$0	105
Net income of bank and minority interests.	$-838,000	7,021
Net charge-offs	$1,841,000	1,197
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-850,000	6,993
2010-03-31 (YTD Data)		Rank
Total interest income	$1,650,000	4,239
Total interest expense	$571,000	3,562
Net interest income	$1,079,000	4,446
Provision for loan and lease losses	$200,000	2,974
Total noninterest income	$135,000	4,506
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$25,000	5,612
Trading account gains and fees	$0	175
Additional Noninterest Income	$110,000	3,338
Total noninterest expense	$901,000	4,581
Salaries and employee benefits	$328,000	5,560
Premises and equipment expense	$158,000	3,747
Additional noninterest expense	$415,000	3,718
Pre-tax net operating income	$113,000	4,916
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$113,000	4,811
Extraordinary gains, net	$0	16
Net income	$113,000	4,811
Minority interest net income	$0	91
Net income of bank and minority interests.	$113,000	4,810
Net charge-offs	$21,000	4,393
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$113,000	4,702
2009-12-31 (YTD Data)		Rank
Total interest income	$7,459,000	4,013
Total interest expense	$2,982,000	3,421
Net interest income	$4,477,000	4,246
Provision for loan and lease losses	$4,872,000	1,458
Total noninterest income	$189,000	6,302
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$168,000	4,952
Trading account gains and fees	$0	211
Additional Noninterest Income	$21,000	6,936
Total noninterest expense	$3,897,000	4,416
Salaries and employee benefits	$1,414,000	5,369
Premises and equipment expense	$614,000	3,812
Additional noninterest expense	$1,869,000	3,504
Pre-tax net operating income	$-4,103,000	7,074
Securities gains (losses)	$57,000	2,550
Applicable income taxes	$0	4,388
Income before extraordinary items	$-4,046,000	7,162
Extraordinary gains, net	$0	34
Net income	$-4,046,000	7,162
Minority interest net income	$0	115
Net income of bank and minority interests.	$-4,046,000	7,161
Net charge-offs	$2,053,000	1,998
Cash dividends	$200,000	3,638
Sale, conversion, retirement of capital stock, net	$2,617,000	295
Net operating income	$-4,103,000	7,168
2009-09-30 (YTD Data)		Rank
Total interest income	$5,734,000	4,008
Total interest expense	$2,316,000	3,468
Net interest income	$3,418,000	4,197
Provision for loan and lease losses	$1,974,000	1,922
Total noninterest income	$172,000	6,148
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$135,000	4,866
Trading account gains and fees	$0	212
Additional Noninterest Income	$37,000	6,539
Total noninterest expense	$2,633,000	4,714
Salaries and employee benefits	$1,065,000	5,392
Premises and equipment expense	$456,000	3,878
Additional noninterest expense	$1,112,000	4,090
Pre-tax net operating income	$-1,017,000	6,660
Securities gains (losses)	$57,000	2,219
Applicable income taxes	$0	4,592
Income before extraordinary items	$-960,000	6,727
Extraordinary gains, net	$0	27
Net income	$-960,000	6,728
Minority interest net income	$0	118
Net income of bank and minority interests.	$-960,000	6,728
Net charge-offs	$508,000	3,027
Cash dividends	$200,000	3,055
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-1,017,000	6,752
2009-06-30 (YTD Data)		Rank
Total interest income	$3,753,000	4,080
Total interest expense	$1,580,000	3,547
Net interest income	$2,173,000	4,338
Provision for loan and lease losses	$1,774,000	1,517
Total noninterest income	$162,000	5,586
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$96,000	4,745
Trading account gains and fees	$0	193
Additional Noninterest Income	$66,000	5,442
Total noninterest expense	$1,779,000	4,727
Salaries and employee benefits	$722,000	5,398
Premises and equipment expense	$298,000	3,958
Additional noninterest expense	$759,000	4,025
Pre-tax net operating income	$-1,218,000	7,126
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$-1,218,000	7,234
Extraordinary gains, net	$0	21
Net income	$-1,218,000	7,233
Minority interest net income	$0	112
Net income of bank and minority interests.	$-1,218,000	7,233
Net charge-offs	$426,000	2,532
Cash dividends	$200,000	2,647
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-1,218,000	7,234
2009-03-31 (YTD Data)		Rank
Total interest income	$1,967,000	3,988
Total interest expense	$832,000	3,523
Net interest income	$1,135,000	4,181
Provision for loan and lease losses	$1,520,000	904
Total noninterest income	$84,000	5,504
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$49,000	4,651
Trading account gains and fees	$0	171
Additional Noninterest Income	$35,000	5,396
Total noninterest expense	$864,000	4,727
Salaries and employee benefits	$367,000	5,408
Premises and equipment expense	$130,000	4,390
Additional noninterest expense	$367,000	3,821
Pre-tax net operating income	$-1,165,000	7,678
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$-1,165,000	7,745
Extraordinary gains, net	$0	15
Net income	$-1,165,000	7,748
Minority interest net income	$0	102
Net income of bank and minority interests.	$-1,165,000	7,747
Net charge-offs	$49,000	3,571
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-1,165,000	7,743
2008-12-31 (YTD Data)		Rank
Total interest income	$7,800,000	4,206
Total interest expense	$3,648,000	3,745
Net interest income	$4,152,000	4,468
Provision for loan and lease losses	$897,000	2,878
Total noninterest income	$348,000	5,563
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$177,000	5,016
Trading account gains and fees	$0	154
Additional Noninterest Income	$171,000	5,106
Total noninterest expense	$3,148,000	4,965
Salaries and employee benefits	$1,474,000	5,382
Premises and equipment expense	$432,000	4,875
Additional noninterest expense	$1,242,000	4,177
Pre-tax net operating income	$455,000	4,997
Securities gains (losses)	$0	3,220
Applicable income taxes	$0	4,979
Income before extraordinary items	$455,000	4,594
Extraordinary gains, net	$0	39
Net income	$455,000	4,593
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$91,000	5,079
Cash dividends	$350,000	3,873
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$455,000	4,756
2008-09-30 (YTD Data)		Rank
Total interest income	$5,728,000	4,323
Total interest expense	$2,759,000	3,826
Net interest income	$2,969,000	4,650
Provision for loan and lease losses	$180,000	4,348
Total noninterest income	$262,000	5,641
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$132,000	5,067
Trading account gains and fees	$0	148
Additional Noninterest Income	$130,000	5,192
Total noninterest expense	$2,264,000	5,084
Salaries and employee benefits	$1,113,000	5,379
Premises and equipment expense	$317,000	4,961
Additional noninterest expense	$834,000	4,442
Pre-tax net operating income	$787,000	4,134
Securities gains (losses)	$0	3,106
Applicable income taxes	$0	5,372
Income before extraordinary items	$787,000	3,597
Extraordinary gains, net	$0	31
Net income	$787,000	3,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	4,549
Cash dividends	$350,000	3,203
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$787,000	3,739
2008-06-30 (YTD Data)		Rank
Total interest income	$3,819,000	4,380
Total interest expense	$1,876,000	3,893
Net interest income	$1,943,000	4,712
Provision for loan and lease losses	$90,000	4,395
Total noninterest income	$177,000	5,688
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$89,000	5,053
Trading account gains and fees	$0	149
Additional Noninterest Income	$88,000	5,267
Total noninterest expense	$1,473,000	5,187
Salaries and employee benefits	$727,000	5,496
Premises and equipment expense	$209,000	5,019
Additional noninterest expense	$537,000	4,524
Pre-tax net operating income	$557,000	4,176
Securities gains (losses)	$0	3,233
Applicable income taxes	$0	5,627
Income before extraordinary items	$557,000	3,799
Extraordinary gains, net	$0	21
Net income	$557,000	3,800
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	4,590
Cash dividends	$350,000	2,743
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$557,000	3,746
2008-03-31 (YTD Data)		Rank
Total interest income	$1,929,000	4,423
Total interest expense	$934,000	4,076
Net interest income	$995,000	4,638
Provision for loan and lease losses	$45,000	3,899
Total noninterest income	$88,000	5,689
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$45,000	5,006
Trading account gains and fees	$0	158
Additional Noninterest Income	$43,000	5,319
Total noninterest expense	$723,000	5,264
Salaries and employee benefits	$344,000	5,683
Premises and equipment expense	$106,000	4,999
Additional noninterest expense	$273,000	4,411
Pre-tax net operating income	$315,000	4,036
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$315,000	3,690
Extraordinary gains, net	$0	15
Net income	$315,000	3,694
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$315,000	3,604
2007-12-31 (YTD Data)		Rank
Total interest income	$7,819,000	4,430
Total interest expense	$3,619,000	4,259
Net interest income	$4,200,000	4,483
Provision for loan and lease losses	$139,000	4,444
Total noninterest income	$305,000	6,002
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$131,000	5,631
Trading account gains and fees	$0	178
Additional Noninterest Income	$174,000	5,325
Total noninterest expense	$2,665,000	5,398
Salaries and employee benefits	$1,280,000	5,794
Premises and equipment expense	$434,000	4,786
Additional noninterest expense	$951,000	4,801
Pre-tax net operating income	$1,701,000	3,666
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$1,701,000	3,168
Extraordinary gains, net	$0	39
Net income	$1,701,000	3,166
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,041
Cash dividends	$450,000	3,871
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,701,000	3,157
2007-09-30 (YTD Data)		Rank
Total interest income	$5,810,000	4,479
Total interest expense	$2,654,000	4,325
Net interest income	$3,156,000	4,510
Provision for loan and lease losses	$79,000	4,528
Total noninterest income	$226,000	6,076
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$96,000	5,692
Trading account gains and fees	$0	184
Additional Noninterest Income	$130,000	5,342
Total noninterest expense	$1,940,000	5,467
Salaries and employee benefits	$929,000	5,865
Premises and equipment expense	$330,000	4,730
Additional noninterest expense	$681,000	4,875
Pre-tax net operating income	$1,363,000	3,668
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$1,363,000	3,173
Extraordinary gains, net	$0	33
Net income	$1,363,000	3,172
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$450,000	3,069
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,363,000	3,157
2007-06-30 (YTD Data)		Rank
Total interest income	$3,818,000	4,533
Total interest expense	$1,691,000	4,435
Net interest income	$2,127,000	4,511
Provision for loan and lease losses	$79,000	3,687
Total noninterest income	$145,000	6,197
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$58,000	5,870
Trading account gains and fees	$0	168
Additional Noninterest Income	$87,000	5,361
Total noninterest expense	$1,192,000	5,749
Salaries and employee benefits	$604,000	5,987
Premises and equipment expense	$152,000	5,774
Additional noninterest expense	$436,000	5,001
Pre-tax net operating income	$1,001,000	3,531
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$1,001,000	3,038
Extraordinary gains, net	$0	29
Net income	$1,001,000	3,037
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$450,000	2,579
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,001,000	3,021
2007-03-31 (YTD Data)		Rank
Total interest income	$1,812,000	4,678
Total interest expense	$778,000	4,649
Net interest income	$1,034,000	4,588
Provision for loan and lease losses	$19,000	4,447
Total noninterest income	$68,000	6,298
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$26,000	6,005
Trading account gains and fees	$0	195
Additional Noninterest Income	$42,000	5,429
Total noninterest expense	$587,000	5,818
Salaries and employee benefits	$300,000	6,056
Premises and equipment expense	$80,000	5,684
Additional noninterest expense	$207,000	5,160
Pre-tax net operating income	$496,000	3,547
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$496,000	3,044
Extraordinary gains, net	$0	22
Net income	$496,000	3,044
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$450,000	1,526
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$496,000	3,025
2006-12-31 (YTD Data)		Rank
Total interest income	$6,945,000	4,592
Total interest expense	$2,761,000	4,534
Net interest income	$4,184,000	4,536
Provision for loan and lease losses	$25,000	6,138
Total noninterest income	$222,000	6,741
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$100,000	6,156
Trading account gains and fees	$0	130
Additional Noninterest Income	$122,000	5,983
Total noninterest expense	$2,121,000	5,993
Salaries and employee benefits	$1,006,000	6,393
Premises and equipment expense	$284,000	5,869
Additional noninterest expense	$831,000	5,123
Pre-tax net operating income	$2,260,000	3,372
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$2,260,000	2,837
Extraordinary gains, net	$0	51
Net income	$2,260,000	2,838
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,949
Cash dividends	$350,000	4,280
Sale, conversion, retirement of capital stock, net	$10,000	1,153
Net operating income	$2,260,000	2,824
2006-09-30 (YTD Data)		Rank
Total interest income	$5,085,000	4,648
Total interest expense	$1,951,000	4,614
Net interest income	$3,134,000	4,572
Provision for loan and lease losses	$25,000	5,821
Total noninterest income	$147,000	6,992
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$72,000	6,280
Trading account gains and fees	$0	126
Additional Noninterest Income	$75,000	6,322
Total noninterest expense	$1,564,000	6,029
Salaries and employee benefits	$748,000	6,414
Premises and equipment expense	$194,000	6,154
Additional noninterest expense	$622,000	5,104
Pre-tax net operating income	$1,692,000	3,501
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$1,692,000	2,930
Extraordinary gains, net	$0	45
Net income	$1,692,000	2,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,827
Cash dividends	$350,000	3,441
Sale, conversion, retirement of capital stock, net	$10,000	957
Net operating income	$1,692,000	2,921
2006-06-30 (YTD Data)		Rank
Total interest income	$3,288,000	4,689
Total interest expense	$1,220,000	4,665
Net interest income	$2,068,000	4,620
Provision for loan and lease losses	$25,000	5,320
Total noninterest income	$96,000	7,053
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$45,000	6,387
Trading account gains and fees	$0	126
Additional Noninterest Income	$51,000	6,354
Total noninterest expense	$1,052,000	6,016
Salaries and employee benefits	$505,000	6,412
Premises and equipment expense	$127,000	6,211
Additional noninterest expense	$420,000	5,041
Pre-tax net operating income	$1,087,000	3,596
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$1,087,000	3,016
Extraordinary gains, net	$0	39
Net income	$1,087,000	3,018
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,784
Cash dividends	$350,000	2,888
Sale, conversion, retirement of capital stock, net	$10,000	793
Net operating income	$1,087,000	3,001
2006-03-31 (YTD Data)		Rank
Total interest income	$1,579,000	4,744
Total interest expense	$553,000	4,830
Net interest income	$1,026,000	4,637
Provision for loan and lease losses	$10,000	5,231
Total noninterest income	$47,000	7,046
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$21,000	6,441
Trading account gains and fees	$0	115
Additional Noninterest Income	$26,000	6,300
Total noninterest expense	$535,000	5,977
Salaries and employee benefits	$265,000	6,291
Premises and equipment expense	$62,000	6,285
Additional noninterest expense	$208,000	5,058
Pre-tax net operating income	$528,000	3,607
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$528,000	3,035
Extraordinary gains, net	$0	21
Net income	$528,000	3,034
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,654
Cash dividends	$350,000	1,768
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$528,000	3,013
2005-12-31 (YTD Data)		Rank
Total interest income	$5,157,000	5,053
Total interest expense	$1,560,000	5,133
Net interest income	$3,597,000	4,940
Provision for loan and lease losses	$80,000	5,115
Total noninterest income	$163,000	7,379
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$105,000	6,221
Trading account gains and fees	$0	138
Additional Noninterest Income	$58,000	7,210
Total noninterest expense	$1,900,000	6,273
Salaries and employee benefits	$884,000	6,691
Premises and equipment expense	$254,000	6,160
Additional noninterest expense	$762,000	5,323
Pre-tax net operating income	$1,780,000	3,983
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$1,780,000	3,388
Extraordinary gains, net	$0	46
Net income	$1,780,000	3,390
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	8,316
Cash dividends	$250,000	4,640
Sale, conversion, retirement of capital stock, net	$40,000	820
Net operating income	$1,780,000	3,353
2005-09-30 (YTD Data)		Rank
Total interest income	$3,696,000	5,163
Total interest expense	$1,063,000	5,272
Net interest income	$2,633,000	5,024
Provision for loan and lease losses	$40,000	5,540
Total noninterest income	$104,000	7,635
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$85,000	6,137
Trading account gains and fees	$0	126
Additional Noninterest Income	$19,000	8,009
Total noninterest expense	$1,437,000	6,228
Salaries and employee benefits	$654,000	6,715
Premises and equipment expense	$200,000	6,037
Additional noninterest expense	$583,000	5,214
Pre-tax net operating income	$1,260,000	4,188
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$1,260,000	3,544
Extraordinary gains, net	$0	35
Net income	$1,260,000	3,545
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-53,000	8,465
Cash dividends	$250,000	3,766
Sale, conversion, retirement of capital stock, net	$40,000	648
Net operating income	$1,260,000	3,513
2005-06-30 (YTD Data)		Rank
Total interest income	$2,378,000	5,219
Total interest expense	$642,000	5,384
Net interest income	$1,736,000	5,053
Provision for loan and lease losses	$40,000	4,850
Total noninterest income	$74,000	7,525
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$62,000	5,950
Trading account gains and fees	$0	116
Additional Noninterest Income	$12,000	8,048
Total noninterest expense	$956,000	6,229
Salaries and employee benefits	$424,000	6,787
Premises and equipment expense	$137,000	5,971
Additional noninterest expense	$395,000	5,130
Pre-tax net operating income	$814,000	4,252
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$814,000	3,602
Extraordinary gains, net	$0	30
Net income	$814,000	3,604
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-53,000	8,499
Cash dividends	$250,000	3,195
Sale, conversion, retirement of capital stock, net	$40,000	518
Net operating income	$814,000	3,558
2005-03-31 (YTD Data)		Rank
Total interest income	$1,111,000	5,416
Total interest expense	$270,000	5,763
Net interest income	$841,000	5,179
Provision for loan and lease losses	$40,000	3,596
Total noninterest income	$51,000	7,038
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$33,000	5,810
Trading account gains and fees	$0	115
Additional Noninterest Income	$18,000	7,012
Total noninterest expense	$483,000	6,230
Salaries and employee benefits	$212,000	6,836
Premises and equipment expense	$71,000	5,908
Additional noninterest expense	$200,000	5,074
Pre-tax net operating income	$369,000	4,479
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$369,000	3,828
Extraordinary gains, net	$0	24
Net income	$369,000	3,830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-53,000	8,659
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$369,000	3,786
2004-12-31 (YTD Data)		Rank
Total interest income	$3,693,000	5,817
Total interest expense	$925,000	5,880
Net interest income	$2,768,000	5,686
Provision for loan and lease losses	$135,000	4,427
Total noninterest income	$247,000	6,800
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$137,000	5,957
Trading account gains and fees	$0	138
Additional Noninterest Income	$110,000	6,256
Total noninterest expense	$1,719,000	6,504
Salaries and employee benefits	$791,000	6,970
Premises and equipment expense	$288,000	5,783
Additional noninterest expense	$640,000	5,795
Pre-tax net operating income	$1,161,000	4,876
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$1,161,000	4,293
Extraordinary gains, net	$0	34
Net income	$1,161,000	4,294
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$202,000	4,841
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,161,000	4,221
2004-09-30 (YTD Data)		Rank
Total interest income	$2,650,000	5,945
Total interest expense	$688,000	5,881
Net interest income	$1,962,000	5,850
Provision for loan and lease losses	$85,000	4,653
Total noninterest income	$201,000	6,665
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$97,000	6,103
Trading account gains and fees	$0	134
Additional Noninterest Income	$104,000	5,840
Total noninterest expense	$1,272,000	6,506
Salaries and employee benefits	$600,000	6,901
Premises and equipment expense	$217,000	5,748
Additional noninterest expense	$455,000	5,908
Pre-tax net operating income	$806,000	5,165
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$806,000	4,612
Extraordinary gains, net	$0	26
Net income	$806,000	4,612
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	7,882
Cash dividends	$202,000	3,955
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$806,000	4,520
2004-06-30 (YTD Data)		Rank
Total interest income	$1,721,000	6,025
Total interest expense	$460,000	5,886
Net interest income	$1,261,000	5,988
Provision for loan and lease losses	$60,000	4,267
Total noninterest income	$112,000	7,039
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$59,000	6,260
Trading account gains and fees	$0	130
Additional Noninterest Income	$53,000	6,336
Total noninterest expense	$834,000	6,607
Salaries and employee benefits	$400,000	6,946
Premises and equipment expense	$139,000	5,891
Additional noninterest expense	$295,000	6,021
Pre-tax net operating income	$479,000	5,413
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$479,000	4,845
Extraordinary gains, net	$0	21
Net income	$479,000	4,846
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$202,000	3,413
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$479,000	4,761
2004-03-31 (YTD Data)		Rank
Total interest income	$896,000	5,933
Total interest expense	$231,000	5,920
Net interest income	$665,000	5,796
Provision for loan and lease losses	$60,000	2,918
Total noninterest income	$48,000	7,273
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$31,000	6,143
Trading account gains and fees	$0	121
Additional Noninterest Income	$17,000	7,062
Total noninterest expense	$416,000	6,648
Salaries and employee benefits	$202,000	6,950
Premises and equipment expense	$71,000	5,842
Additional noninterest expense	$143,000	6,152
Pre-tax net operating income	$237,000	5,411
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$237,000	4,891
Extraordinary gains, net	$0	16
Net income	$237,000	4,890
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$237,000	4,766
2003-12-31 (YTD Data)		Rank
Total interest income	$3,212,000	6,309
Total interest expense	$920,000	6,352
Net interest income	$2,292,000	6,193
Provision for loan and lease losses	$270,000	3,394
Total noninterest income	$206,000	7,303
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$97,000	6,604
Trading account gains and fees	$0	160
Additional Noninterest Income	$109,000	6,381
Total noninterest expense	$1,624,000	6,656
Salaries and employee benefits	$745,000	7,128
Premises and equipment expense	$281,000	5,863
Additional noninterest expense	$598,000	6,000
Pre-tax net operating income	$604,000	6,327
Securities gains (losses)	$0	4,500
Applicable income taxes	$0	7,459
Income before extraordinary items	$604,000	5,937
Extraordinary gains, net	$0	54
Net income	$604,000	5,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$142,000	3,474
Cash dividends	$48,000	5,954
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$604,000	5,757
2003-09-30 (YTD Data)		Rank
Total interest income	$2,357,000	6,445
Total interest expense	$675,000	6,564
Net interest income	$1,682,000	6,295
Provision for loan and lease losses	$210,000	3,249
Total noninterest income	$173,000	7,143
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	$104,000	6,001
Total noninterest expense	$1,191,000	6,720
Salaries and employee benefits	$561,000	7,087
Premises and equipment expense	$207,000	5,905
Additional noninterest expense	$423,000	6,173
Pre-tax net operating income	$454,000	6,489
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$454,000	6,076
Extraordinary gains, net	$0	40
Net income	$454,000	6,077
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	4,784
Cash dividends	$48,000	5,144
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$454,000	5,907
2003-06-30 (YTD Data)		Rank
Total interest income	$1,505,000	6,639
Total interest expense	$442,000	6,726
Net interest income	$1,063,000	6,460
Provision for loan and lease losses	$140,000	3,226
Total noninterest income	$107,000	7,271
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$44,000	6,806
Trading account gains and fees	$0	150
Additional Noninterest Income	$63,000	6,165
Total noninterest expense	$790,000	6,751
Salaries and employee benefits	$382,000	7,060
Premises and equipment expense	$136,000	5,946
Additional noninterest expense	$272,000	6,275
Pre-tax net operating income	$240,000	6,907
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$240,000	6,615
Extraordinary gains, net	$0	30
Net income	$240,000	6,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,047
Cash dividends	$48,000	4,790
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$240,000	6,403
2003-03-31 (YTD Data)		Rank
Total interest income	$715,000	6,851
Total interest expense	$210,000	6,941
Net interest income	$505,000	6,617
Provision for loan and lease losses	$70,000	3,059
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	$385,000	6,830
Salaries and employee benefits	$189,000	7,111
Premises and equipment expense	$66,000	6,019
Additional noninterest expense	$130,000	6,413
Pre-tax net operating income	$75,000	7,607
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$75,000	7,393
Extraordinary gains, net	$0	21
Net income	$75,000	7,394
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	4,155
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$75,000	7,239
2002-12-31 (YTD Data)		Rank
Total interest income	$2,107,000	7,734
Total interest expense	$691,000	7,845
Net interest income	$1,416,000	7,567
Provision for loan and lease losses	$174,000	4,664
Total noninterest income	$237,000	6,972
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$101,000	6,561
Trading account gains and fees	$0	153
Additional Noninterest Income	$136,000	5,810
Total noninterest expense	$1,340,000	7,158
Salaries and employee benefits	$659,000	7,458
Premises and equipment expense	$203,000	6,746
Additional noninterest expense	$478,000	6,633
Pre-tax net operating income	$139,000	8,158
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$139,000	8,147
Extraordinary gains, net	$0	70
Net income	$139,000	8,148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,417
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$139,000	8,038
2001-12-31 (YTD Data)		Rank
Total interest income	$1,791,000	8,428
Total interest expense	$808,000	8,414
Net interest income	$983,000	8,324
Provision for loan and lease losses	$150,000	4,756
Total noninterest income	$257,000	6,801
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$63,000	7,334
Trading account gains and fees	$0	177
Additional Noninterest Income	$194,000	4,999
Total noninterest expense	$1,054,000	7,818
Salaries and employee benefits	$548,000	7,942
Premises and equipment expense	$154,000	7,452
Additional noninterest expense	$352,000	7,498
Pre-tax net operating income	$36,000	8,590
Securities gains (losses)	$9,000	3,652
Applicable income taxes	$0	7,903
Income before extraordinary items	$45,000	8,637
Extraordinary gains, net	$0	105
Net income	$45,000	8,636
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,057
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$36,000	8,576
2000-12-31 (YTD Data)		Rank
Total interest income	$713,000	9,584
Total interest expense	$284,000	9,555
Net interest income	$429,000	9,550
Provision for loan and lease losses	$95,000	5,433
Total noninterest income	$80,000	8,883
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$14,000	8,357
Trading account gains and fees	NA	NA
Additional Noninterest Income	$66,000	7,303
Total noninterest expense	$764,000	8,668
Salaries and employee benefits	$439,000	8,560
Premises and equipment expense	$96,000	8,515
Additional noninterest expense	$229,000	8,516
Pre-tax net operating income	$-350,000	9,456
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$-350,000	9,482
Extraordinary gains, net	$0	38
Net income	$-350,000	9,481
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$5,235,000	196
Net operating income	$-350,000	9,485

* 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.