Home > Geauga Savings Bank > Income and Expense

Geauga Savings Bank, Income and Expense

2019-12-31 (YTD Data)		Rank
Total interest income	$13,654,000	2,081
Total interest expense	$4,719,000	1,306
Net interest income	$8,935,000	2,438
Provision for loan and lease losses	$499,000	1,492
Total noninterest income	$227,000	4,368
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$26,000	4,780
Trading account gains and fees	NA	NA
Additional Noninterest Income	$201,000	3,942
Total noninterest expense	$6,895,000	2,477
Salaries and employee benefits	$3,768,000	2,554
Premises and equipment expense	$420,000	3,385
Additional noninterest expense	$2,707,000	2,086
Pre-tax net operating income	$1,768,000	3,189
Securities gains (losses)	$-432,000	5,135
Applicable income taxes	$283,000	2,410
Income before extraordinary items	$1,053,000	3,701
Extraordinary gains, net	$0	11
Net income	$1,053,000	3,701
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,053,000	3,702
Net charge-offs	$886,000	701
Cash dividends	$2,500,000	1,366
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,394,280	3,336
2019-09-30 (YTD Data)		Rank
Total interest income	$10,340,000	2,085
Total interest expense	$3,544,000	1,313
Net interest income	$6,796,000	2,446
Provision for loan and lease losses	$5,000	3,771
Total noninterest income	$175,000	4,402
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$16,000	4,910
Trading account gains and fees	NA	NA
Additional Noninterest Income	$159,000	3,926
Total noninterest expense	$4,725,000	2,635
Salaries and employee benefits	$2,864,000	2,547
Premises and equipment expense	$320,000	3,384
Additional noninterest expense	$1,541,000	2,515
Pre-tax net operating income	$2,241,000	2,531
Securities gains (losses)	$-432,000	5,219
Applicable income taxes	$382,000	2,045
Income before extraordinary items	$1,427,000	3,020
Extraordinary gains, net	$0	11
Net income	$1,427,000	3,021
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,427,000	3,021
Net charge-offs	$288,000	1,061
Cash dividends	$2,500,000	1,002
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,768,280	2,686
2019-06-30 (YTD Data)		Rank
Total interest income	$6,935,000	2,071
Total interest expense	$2,326,000	1,313
Net interest income	$4,609,000	2,426
Provision for loan and lease losses	$5,000	3,598
Total noninterest income	$84,000	4,652
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$10,000	4,957
Trading account gains and fees	NA	NA
Additional Noninterest Income	$74,000	4,230
Total noninterest expense	$3,216,000	2,613
Salaries and employee benefits	$1,933,000	2,524
Premises and equipment expense	$226,000	3,303
Additional noninterest expense	$1,057,000	2,480
Pre-tax net operating income	$1,472,000	2,538
Securities gains (losses)	$-424,000	5,271
Applicable income taxes	$222,000	2,126
Income before extraordinary items	$826,000	3,202
Extraordinary gains, net	$0	11
Net income	$826,000	3,200
Minority interest net income	$0	69
Net income of bank and minority interests.	$826,000	3,200
Net charge-offs	$279,000	824
Cash dividends	$2,500,000	742
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,160,960	2,696
2019-03-31 (YTD Data)		Rank
Total interest income	$3,465,000	2,060
Total interest expense	$1,116,000	1,314
Net interest income	$2,349,000	2,396
Provision for loan and lease losses	$0	3,406
Total noninterest income	$16,000	5,100
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$6,000	4,956
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	4,912
Total noninterest expense	$1,632,000	2,614
Salaries and employee benefits	$970,000	2,535
Premises and equipment expense	$106,000	3,457
Additional noninterest expense	$556,000	2,403
Pre-tax net operating income	$733,000	2,505
Securities gains (losses)	$-473,000	5,340
Applicable income taxes	$57,000	2,549
Income before extraordinary items	$203,000	4,083
Extraordinary gains, net	$0	5
Net income	$203,000	4,081
Minority interest net income	$0	52
Net income of bank and minority interests.	$203,000	4,082
Net charge-offs	$285,000	492
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$576,670	2,666
2018-12-31 (YTD Data)		Rank
Total interest income	$13,002,000	2,078
Total interest expense	$3,367,000	1,302
Net interest income	$9,635,000	2,305
Provision for loan and lease losses	$-864,000	5,335
Total noninterest income	$198,000	4,646
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$42,000	4,817
Trading account gains and fees	NA	NA
Additional Noninterest Income	$156,000	4,276
Total noninterest expense	$6,777,000	2,515
Salaries and employee benefits	$3,986,000	2,462
Premises and equipment expense	$426,000	3,416
Additional noninterest expense	$2,365,000	2,308
Pre-tax net operating income	$3,920,000	2,137
Securities gains (losses)	$-597,000	5,275
Applicable income taxes	$699,000	1,689
Income before extraordinary items	$2,624,000	2,521
Extraordinary gains, net	$0	6
Net income	$2,624,000	2,520
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,624,000	2,520
Net charge-offs	$-710,000	5,332
Cash dividends	$5,000,000	730
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,095,630	2,275
2018-09-30 (YTD Data)		Rank
Total interest income	$9,651,000	2,085
Total interest expense	$2,364,000	1,301
Net interest income	$7,287,000	2,311
Provision for loan and lease losses	$-864,000	5,414
Total noninterest income	$189,000	4,520
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$35,000	4,820
Trading account gains and fees	NA	NA
Additional Noninterest Income	$154,000	4,079
Total noninterest expense	$4,939,000	2,571
Salaries and employee benefits	$2,869,000	2,529
Premises and equipment expense	$319,000	3,468
Additional noninterest expense	$1,751,000	2,331
Pre-tax net operating income	$3,401,000	1,944
Securities gains (losses)	$-406,000	5,383
Applicable income taxes	$631,000	1,582
Income before extraordinary items	$2,364,000	2,261
Extraordinary gains, net	$0	5
Net income	$2,364,000	2,260
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,364,000	2,260
Net charge-offs	$-672,000	5,409
Cash dividends	$5,000,000	532
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,684,740	2,062
2018-06-30 (YTD Data)		Rank
Total interest income	$6,380,000	2,080
Total interest expense	$1,480,000	1,300
Net interest income	$4,900,000	2,291
Provision for loan and lease losses	$-864,000	5,488
Total noninterest income	$194,000	4,132
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$25,000	4,824
Trading account gains and fees	NA	NA
Additional Noninterest Income	$169,000	3,589
Total noninterest expense	$3,260,000	2,600
Salaries and employee benefits	$1,858,000	2,594
Premises and equipment expense	$218,000	3,453
Additional noninterest expense	$1,184,000	2,317
Pre-tax net operating income	$2,698,000	1,649
Securities gains (losses)	$-406,000	5,467
Applicable income taxes	$482,000	1,445
Income before extraordinary items	$1,810,000	2,029
Extraordinary gains, net	$0	6
Net income	$1,810,000	2,027
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,810,000	2,028
Net charge-offs	$-935,000	5,503
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,130,740	1,774
2018-03-31 (YTD Data)		Rank
Total interest income	$3,088,000	2,119
Total interest expense	$708,000	1,296
Net interest income	$2,380,000	2,340
Provision for loan and lease losses	$0	3,508
Total noninterest income	$92,000	4,196
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$12,000	4,894
Trading account gains and fees	NA	NA
Additional Noninterest Income	$80,000	3,637
Total noninterest expense	$1,573,000	2,697
Salaries and employee benefits	$870,000	2,736
Premises and equipment expense	$115,000	3,407
Additional noninterest expense	$588,000	2,322
Pre-tax net operating income	$899,000	2,188
Securities gains (losses)	$-386,000	5,560
Applicable income taxes	$108,000	2,113
Income before extraordinary items	$405,000	3,233
Extraordinary gains, net	$0	7
Net income	$405,000	3,233
Minority interest net income	$0	52
Net income of bank and minority interests.	$405,000	3,233
Net charge-offs	$-107,000	5,396
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$709,940	2,342
2017-12-31 (YTD Data)		Rank
Total interest income	$12,885,000	1,995
Total interest expense	$3,524,000	931
Net interest income	$9,361,000	2,324
Provision for loan and lease losses	$-1,000,000	5,590
Total noninterest income	$61,000	5,430
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$38,000	5,113
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	5,340
Total noninterest expense	$6,129,000	2,722
Salaries and employee benefits	$3,411,000	2,760
Premises and equipment expense	$425,000	3,552
Additional noninterest expense	$2,293,000	2,401
Pre-tax net operating income	$4,293,000	1,937
Securities gains (losses)	$386,000	263
Applicable income taxes	$1,905,000	1,310
Income before extraordinary items	$2,774,000	2,180
Extraordinary gains, net	$0	9
Net income	$2,774,000	2,179
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,774,000	2,180
Net charge-offs	$-61,000	5,189
Cash dividends	$7,602,000	462
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,526,960	2,290
2017-09-30 (YTD Data)		Rank
Total interest income	$9,631,000	2,003
Total interest expense	$2,636,000	911
Net interest income	$6,995,000	2,351
Provision for loan and lease losses	$0	4,088
Total noninterest income	$21,000	5,608
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$22,000	5,286
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-1,000	5,668
Total noninterest expense	$4,615,000	2,742
Salaries and employee benefits	$2,571,000	2,769
Premises and equipment expense	$342,000	3,457
Additional noninterest expense	$1,702,000	2,426
Pre-tax net operating income	$2,401,000	2,423
Securities gains (losses)	$49,000	888
Applicable income taxes	$821,000	1,636
Income before extraordinary items	$1,629,000	2,712
Extraordinary gains, net	$0	9
Net income	$1,629,000	2,711
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,629,000	2,712
Net charge-offs	$64,000	2,269
Cash dividends	$4,602,000	541
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,596,660	2,738
2017-06-30 (YTD Data)		Rank
Total interest income	$6,461,000	1,980
Total interest expense	$1,766,000	891
Net interest income	$4,695,000	2,328
Provision for loan and lease losses	$0	3,871
Total noninterest income	$25,000	5,586
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$12,000	5,393
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	5,424
Total noninterest expense	$3,135,000	2,717
Salaries and employee benefits	$1,737,000	2,759
Premises and equipment expense	$207,000	3,646
Additional noninterest expense	$1,191,000	2,340
Pre-tax net operating income	$1,585,000	2,405
Securities gains (losses)	$19,000	1,018
Applicable income taxes	$533,000	1,640
Income before extraordinary items	$1,071,000	2,705
Extraordinary gains, net	$0	11
Net income	$1,071,000	2,705
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,071,000	2,705
Net charge-offs	$115,000	1,419
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,058,270	2,708
2017-03-31 (YTD Data)		Rank
Total interest income	$3,108,000	2,047
Total interest expense	$869,000	879
Net interest income	$2,239,000	2,415
Provision for loan and lease losses	$0	3,537
Total noninterest income	$-6,000	5,826
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$4,000	5,526
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-10,000	5,810
Total noninterest expense	$1,531,000	2,784
Salaries and employee benefits	$829,000	2,874
Premises and equipment expense	$98,000	3,778
Additional noninterest expense	$604,000	2,310
Pre-tax net operating income	$702,000	2,531
Securities gains (losses)	$-7,000	5,619
Applicable income taxes	$223,000	1,769
Income before extraordinary items	$472,000	2,852
Extraordinary gains, net	$0	8
Net income	$472,000	2,852
Minority interest net income	$0	55
Net income of bank and minority interests.	$472,000	2,852
Net charge-offs	$128,000	790
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$476,760	2,816
2016-12-31 (YTD Data)		Rank
Total interest income	$12,791,000	1,964
Total interest expense	$3,652,000	807
Net interest income	$9,139,000	2,353
Provision for loan and lease losses	$0	4,332
Total noninterest income	$-179,000	5,890
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$20,000	5,570
Trading account gains and fees	$0	170
Additional Noninterest Income	$-199,000	5,891
Total noninterest expense	$5,755,000	2,923
Salaries and employee benefits	$3,089,000	2,972
Premises and equipment expense	$318,000	4,208
Additional noninterest expense	$2,348,000	2,433
Pre-tax net operating income	$3,205,000	2,289
Securities gains (losses)	$515,000	420
Applicable income taxes	$1,006,000	1,636
Income before extraordinary items	$2,714,000	2,276
Extraordinary gains, net	$0	5
Net income	$2,714,000	2,273
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,714,000	2,275
Net charge-offs	$213,000	1,858
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,338,050	2,473
2016-09-30 (YTD Data)		Rank
Total interest income	$9,620,000	1,960
Total interest expense	$2,771,000	793
Net interest income	$6,849,000	2,359
Provision for loan and lease losses	$0	4,186
Total noninterest income	$153,000	5,085
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$14,000	5,646
Trading account gains and fees	$0	169
Additional Noninterest Income	$139,000	4,485
Total noninterest expense	$4,237,000	2,954
Salaries and employee benefits	$2,298,000	2,981
Premises and equipment expense	$207,000	4,469
Additional noninterest expense	$1,732,000	2,474
Pre-tax net operating income	$2,765,000	2,082
Securities gains (losses)	$439,000	439
Applicable income taxes	$830,000	1,591
Income before extraordinary items	$2,374,000	2,035
Extraordinary gains, net	$0	5
Net income	$2,374,000	2,034
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,374,000	2,035
Net charge-offs	$137,000	1,776
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,049,140	2,242
2016-06-30 (YTD Data)		Rank
Total interest income	$6,501,000	1,943
Total interest expense	$1,853,000	790
Net interest income	$4,648,000	2,328
Provision for loan and lease losses	$0	4,017
Total noninterest income	$102,000	5,127
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$9,000	5,715
Trading account gains and fees	$0	157
Additional Noninterest Income	$93,000	4,493
Total noninterest expense	$2,727,000	3,039
Salaries and employee benefits	$1,502,000	3,052
Premises and equipment expense	$133,000	4,570
Additional noninterest expense	$1,092,000	2,601
Pre-tax net operating income	$2,023,000	1,920
Securities gains (losses)	$261,000	484
Applicable income taxes	$517,000	1,629
Income before extraordinary items	$1,767,000	1,841
Extraordinary gains, net	$0	16
Net income	$1,767,000	1,840
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,767,000	1,840
Net charge-offs	$32,000	2,473
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,566,030	1,980
2016-03-31 (YTD Data)		Rank
Total interest income	$3,357,000	1,886
Total interest expense	$930,000	775
Net interest income	$2,427,000	2,234
Provision for loan and lease losses	$0	3,656
Total noninterest income	$148,000	3,842
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$4,000	5,779
Trading account gains and fees	$0	142
Additional Noninterest Income	$144,000	3,033
Total noninterest expense	$1,444,000	2,949
Salaries and employee benefits	$686,000	3,256
Premises and equipment expense	$71,000	4,475
Additional noninterest expense	$687,000	2,123
Pre-tax net operating income	$1,131,000	1,758
Securities gains (losses)	$37,000	956
Applicable income taxes	$303,000	1,469
Income before extraordinary items	$865,000	1,853
Extraordinary gains, net	$0	12
Net income	$865,000	1,854
Minority interest net income	$0	62
Net income of bank and minority interests.	$865,000	1,854
Net charge-offs	$-95,000	5,870
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$837,620	1,863
2015-12-31 (YTD Data)		Rank
Total interest income	$11,768,000	2,058
Total interest expense	$3,721,000	748
Net interest income	$8,047,000	2,586
Provision for loan and lease losses	$120,000	2,830
Total noninterest income	$-549,000	6,168
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$18,000	5,839
Trading account gains and fees	$0	159
Additional Noninterest Income	$-567,000	6,172
Total noninterest expense	$6,170,000	2,813
Salaries and employee benefits	$2,905,000	3,084
Premises and equipment expense	$266,000	4,677
Additional noninterest expense	$2,999,000	2,011
Pre-tax net operating income	$1,208,000	3,829
Securities gains (losses)	$461,000	381
Applicable income taxes	$253,000	2,786
Income before extraordinary items	$1,416,000	3,331
Extraordinary gains, net	$0	23
Net income	$1,416,000	3,330
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,416,000	3,332
Net charge-offs	$630,000	965
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,024,150	3,836
2015-09-30 (YTD Data)		Rank
Total interest income	$8,756,000	2,092
Total interest expense	$2,764,000	758
Net interest income	$5,992,000	2,614
Provision for loan and lease losses	$120,000	2,499
Total noninterest income	$-335,000	6,253
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$13,000	5,933
Trading account gains and fees	$0	153
Additional Noninterest Income	$-348,000	6,251
Total noninterest expense	$4,752,000	2,770
Salaries and employee benefits	$2,241,000	3,067
Premises and equipment expense	$195,000	4,752
Additional noninterest expense	$2,316,000	1,934
Pre-tax net operating income	$785,000	4,118
Securities gains (losses)	$455,000	326
Applicable income taxes	$275,000	2,550
Income before extraordinary items	$965,000	3,565
Extraordinary gains, net	$0	21
Net income	$965,000	3,563
Minority interest net income	$0	78
Net income of bank and minority interests.	$965,000	3,564
Net charge-offs	$715,000	664
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$610,100	4,254
2015-06-30 (YTD Data)		Rank
Total interest income	$5,720,000	2,129
Total interest expense	$1,823,000	769
Net interest income	$3,897,000	2,670
Provision for loan and lease losses	$60,000	2,661
Total noninterest income	$-201,000	6,323
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$8,000	6,004
Trading account gains and fees	$0	157
Additional Noninterest Income	$-209,000	6,314
Total noninterest expense	$3,275,000	2,717
Salaries and employee benefits	$1,593,000	2,949
Premises and equipment expense	$132,000	4,769
Additional noninterest expense	$1,550,000	1,945
Pre-tax net operating income	$361,000	4,604
Securities gains (losses)	$255,000	435
Applicable income taxes	$156,000	2,685
Income before extraordinary items	$460,000	4,113
Extraordinary gains, net	$0	22
Net income	$460,000	4,113
Minority interest net income	$0	75
Net income of bank and minority interests.	$460,000	4,115
Net charge-offs	$535,000	607
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$268,750	4,773
2015-03-31 (YTD Data)		Rank
Total interest income	$2,848,000	2,125
Total interest expense	$920,000	761
Net interest income	$1,928,000	2,682
Provision for loan and lease losses	$0	3,703
Total noninterest income	$-159,000	6,397
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$4,000	6,054
Trading account gains and fees	$0	152
Additional Noninterest Income	$-163,000	6,394
Total noninterest expense	$1,477,000	2,930
Salaries and employee benefits	$700,000	3,237
Premises and equipment expense	$67,000	4,781
Additional noninterest expense	$710,000	2,079
Pre-tax net operating income	$292,000	3,919
Securities gains (losses)	$141,000	461
Applicable income taxes	$37,000	3,210
Income before extraordinary items	$396,000	3,141
Extraordinary gains, net	$0	13
Net income	$396,000	3,144
Minority interest net income	$0	64
Net income of bank and minority interests.	$396,000	3,144
Net charge-offs	$133,000	934
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$267,690	3,765
2014-12-31 (YTD Data)		Rank
Total interest income	$12,349,000	1,991
Total interest expense	$3,899,000	749
Net interest income	$8,450,000	2,504
Provision for loan and lease losses	$0	4,603
Total noninterest income	$-43,000	6,433
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$20,000	6,136
Trading account gains and fees	$0	180
Additional Noninterest Income	$-63,000	6,378
Total noninterest expense	$6,572,000	2,738
Salaries and employee benefits	$2,873,000	3,172
Premises and equipment expense	$265,000	4,891
Additional noninterest expense	$3,434,000	1,797
Pre-tax net operating income	$1,835,000	3,133
Securities gains (losses)	$-80,000	6,310
Applicable income taxes	$193,000	2,986
Income before extraordinary items	$1,562,000	3,175
Extraordinary gains, net	$0	17
Net income	$1,562,000	3,175
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,562,000	3,176
Net charge-offs	$1,189,000	777
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,633,200	3,036
2014-09-30 (YTD Data)		Rank
Total interest income	$9,453,000	1,972
Total interest expense	$2,857,000	783
Net interest income	$6,596,000	2,424
Provision for loan and lease losses	$0	4,401
Total noninterest income	$-126,000	6,535
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$15,000	6,213
Trading account gains and fees	$0	174
Additional Noninterest Income	$-141,000	6,506
Total noninterest expense	$5,249,000	2,611
Salaries and employee benefits	$2,184,000	3,161
Premises and equipment expense	$197,000	4,953
Additional noninterest expense	$2,868,000	1,634
Pre-tax net operating income	$1,221,000	3,400
Securities gains (losses)	$-107,000	6,447
Applicable income taxes	$236,000	2,672
Income before extraordinary items	$878,000	3,742
Extraordinary gains, net	$0	15
Net income	$878,000	3,745
Minority interest net income	$0	81
Net income of bank and minority interests.	$878,000	3,746
Net charge-offs	$820,000	788
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$962,530	3,526
2014-06-30 (YTD Data)		Rank
Total interest income	$6,343,000	1,957
Total interest expense	$1,896,000	792
Net interest income	$4,447,000	2,385
Provision for loan and lease losses	$0	4,196
Total noninterest income	$-93,000	6,613
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$10,000	6,259
Trading account gains and fees	$0	172
Additional Noninterest Income	$-103,000	6,590
Total noninterest expense	$3,641,000	2,537
Salaries and employee benefits	$1,488,000	3,131
Premises and equipment expense	$134,000	4,960
Additional noninterest expense	$2,019,000	1,551
Pre-tax net operating income	$713,000	3,571
Securities gains (losses)	$-208,000	6,583
Applicable income taxes	$209,000	2,371
Income before extraordinary items	$296,000	4,769
Extraordinary gains, net	$0	20
Net income	$296,000	4,771
Minority interest net income	$0	80
Net income of bank and minority interests.	$296,000	4,772
Net charge-offs	$542,000	814
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$429,120	4,140
2014-03-31 (YTD Data)		Rank
Total interest income	$3,214,000	1,931
Total interest expense	$944,000	807
Net interest income	$2,270,000	2,312
Provision for loan and lease losses	$0	3,817
Total noninterest income	$-109,000	6,687
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$5,000	6,292
Trading account gains and fees	$0	147
Additional Noninterest Income	$-114,000	6,664
Total noninterest expense	$1,829,000	2,535
Salaries and employee benefits	$755,000	3,120
Premises and equipment expense	$69,000	4,976
Additional noninterest expense	$1,005,000	1,548
Pre-tax net operating income	$332,000	3,642
Securities gains (losses)	$-63,000	6,608
Applicable income taxes	$170,000	1,880
Income before extraordinary items	$99,000	5,171
Extraordinary gains, net	$0	16
Net income	$99,000	5,172
Minority interest net income	$0	66
Net income of bank and minority interests.	$99,000	5,172
Net charge-offs	$294,000	722
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$139,320	4,730
2013-12-31 (YTD Data)		Rank
Total interest income	$13,503,000	1,849
Total interest expense	$4,216,000	800
Net interest income	$9,287,000	2,251
Provision for loan and lease losses	$2,022,000	621
Total noninterest income	$-710,000	6,788
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$23,000	6,382
Trading account gains and fees	$0	184
Additional Noninterest Income	$-733,000	6,766
Total noninterest expense	$7,806,000	2,400
Salaries and employee benefits	$3,242,000	2,949
Premises and equipment expense	$261,000	5,107
Additional noninterest expense	$4,303,000	1,536
Pre-tax net operating income	$-1,251,000	6,598
Securities gains (losses)	$406,000	534
Applicable income taxes	$0	4,631
Income before extraordinary items	$-845,000	6,563
Extraordinary gains, net	$0	29
Net income	$-845,000	6,564
Minority interest net income	$0	90
Net income of bank and minority interests.	$-845,000	6,564
Net charge-offs	$2,822,000	568
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$-1,251,000	6,609
2013-09-30 (YTD Data)		Rank
Total interest income	$10,182,000	1,846
Total interest expense	$3,212,000	811
Net interest income	$6,970,000	2,245
Provision for loan and lease losses	$1,752,000	560
Total noninterest income	$-696,000	6,867
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$18,000	6,442
Trading account gains and fees	$0	180
Additional Noninterest Income	$-714,000	6,857
Total noninterest expense	$5,961,000	2,360
Salaries and employee benefits	$2,439,000	2,966
Premises and equipment expense	$328,000	4,073
Additional noninterest expense	$3,194,000	1,538
Pre-tax net operating income	$-1,439,000	6,745
Securities gains (losses)	$187,000	850
Applicable income taxes	$0	4,713
Income before extraordinary items	$-1,252,000	6,741
Extraordinary gains, net	$0	25
Net income	$-1,252,000	6,742
Minority interest net income	$0	84
Net income of bank and minority interests.	$-1,252,000	6,742
Net charge-offs	$2,383,000	529
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-1,439,000	6,746
2013-06-30 (YTD Data)		Rank
Total interest income	$6,742,000	1,856
Total interest expense	$2,158,000	827
Net interest income	$4,584,000	2,273
Provision for loan and lease losses	$1,377,000	520
Total noninterest income	$-489,000	6,919
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$12,000	6,472
Trading account gains and fees	$0	157
Additional Noninterest Income	$-501,000	6,901
Total noninterest expense	$3,971,000	2,359
Salaries and employee benefits	$1,617,000	2,996
Premises and equipment expense	$226,000	4,021
Additional noninterest expense	$2,128,000	1,536
Pre-tax net operating income	$-1,253,000	6,816
Securities gains (losses)	$185,000	782
Applicable income taxes	$26,000	3,820
Income before extraordinary items	$-1,094,000	6,824
Extraordinary gains, net	$0	22
Net income	$-1,094,000	6,825
Minority interest net income	$0	82
Net income of bank and minority interests.	$-1,094,000	6,825
Net charge-offs	$1,709,000	518
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$-1,279,000	6,837
2013-03-31 (YTD Data)		Rank
Total interest income	$3,508,000	1,802
Total interest expense	$1,085,000	855
Net interest income	$2,423,000	2,166
Provision for loan and lease losses	$1,302,000	304
Total noninterest income	$-256,000	6,989
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$6,000	6,510
Trading account gains and fees	$0	148
Additional Noninterest Income	$-262,000	6,977
Total noninterest expense	$1,915,000	2,467
Salaries and employee benefits	$818,000	2,999
Premises and equipment expense	$115,000	3,997
Additional noninterest expense	$982,000	1,634
Pre-tax net operating income	$-1,050,000	6,936
Securities gains (losses)	$127,000	604
Applicable income taxes	$-44,000	6,858
Income before extraordinary items	$-879,000	6,936
Extraordinary gains, net	$0	10
Net income	$-879,000	6,937
Minority interest net income	$0	76
Net income of bank and minority interests.	$-879,000	6,937
Net charge-offs	$1,144,000	424
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$-999,650	6,933
2012-12-31 (YTD Data)		Rank
Total interest income	$16,000,000	1,660
Total interest expense	$4,874,000	921
Net interest income	$11,126,000	1,963
Provision for loan and lease losses	$2,293,000	959
Total noninterest income	$-1,662,000	7,047
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$25,000	6,600
Trading account gains and fees	$0	166
Additional Noninterest Income	$-1,687,000	7,025
Total noninterest expense	$7,966,000	2,376
Salaries and employee benefits	$2,944,000	3,171
Premises and equipment expense	$473,000	3,944
Additional noninterest expense	$4,549,000	1,481
Pre-tax net operating income	$-795,000	6,591
Securities gains (losses)	$2,175,000	241
Applicable income taxes	$470,000	2,249
Income before extraordinary items	$910,000	4,072
Extraordinary gains, net	$0	29
Net income	$910,000	4,072
Minority interest net income	$0	93
Net income of bank and minority interests.	$910,000	4,074
Net charge-offs	$3,245,000	807
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$-525,500	6,539
2012-09-30 (YTD Data)		Rank
Total interest income	$12,334,000	1,648
Total interest expense	$3,753,000	941
Net interest income	$8,581,000	1,942
Provision for loan and lease losses	$1,251,000	1,231
Total noninterest income	$-1,471,000	7,146
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$19,000	6,684
Trading account gains and fees	$0	157
Additional Noninterest Income	$-1,490,000	7,142
Total noninterest expense	$5,950,000	2,388
Salaries and employee benefits	$2,233,000	3,166
Premises and equipment expense	$354,000	4,009
Additional noninterest expense	$3,363,000	1,507
Pre-tax net operating income	$-91,000	6,411
Securities gains (losses)	$1,488,000	273
Applicable income taxes	$475,000	2,001
Income before extraordinary items	$922,000	3,584
Extraordinary gains, net	$0	20
Net income	$922,000	3,584
Minority interest net income	$0	86
Net income of bank and minority interests.	$922,000	3,586
Net charge-offs	$1,988,000	932
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$-60,080	6,390
2012-06-30 (YTD Data)		Rank
Total interest income	$8,435,000	1,623
Total interest expense	$2,588,000	945
Net interest income	$5,847,000	1,891
Provision for loan and lease losses	$226,000	2,824
Total noninterest income	$-1,080,000	7,216
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$13,000	6,711
Trading account gains and fees	$0	153
Additional Noninterest Income	$-1,093,000	7,210
Total noninterest expense	$4,040,000	2,348
Salaries and employee benefits	$1,510,000	3,149
Premises and equipment expense	$236,000	4,022
Additional noninterest expense	$2,294,000	1,474
Pre-tax net operating income	$501,000	4,115
Securities gains (losses)	$1,113,000	254
Applicable income taxes	$549,000	1,399
Income before extraordinary items	$1,065,000	2,498
Extraordinary gains, net	$0	19
Net income	$1,065,000	2,498
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,065,000	2,498
Net charge-offs	$927,000	1,202
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$330,420	4,483
2012-03-31 (YTD Data)		Rank
Total interest income	$4,313,000	1,598
Total interest expense	$1,376,000	919
Net interest income	$2,937,000	1,890
Provision for loan and lease losses	$91,000	2,985
Total noninterest income	$-497,000	7,276
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$6,000	6,762
Trading account gains and fees	$0	148
Additional Noninterest Income	$-503,000	7,272
Total noninterest expense	$1,911,000	2,467
Salaries and employee benefits	$734,000	3,226
Premises and equipment expense	$118,000	4,022
Additional noninterest expense	$1,059,000	1,578
Pre-tax net operating income	$438,000	3,151
Securities gains (losses)	$755,000	187
Applicable income taxes	$406,000	1,058
Income before extraordinary items	$787,000	1,829
Extraordinary gains, net	$0	19
Net income	$787,000	1,830
Minority interest net income	$0	78
Net income of bank and minority interests.	$787,000	1,830
Net charge-offs	$444,000	1,180
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$288,700	3,550
2011-12-31 (YTD Data)		Rank
Total interest income	$19,435,000	1,469
Total interest expense	$6,467,000	944
Net interest income	$12,968,000	1,727
Provision for loan and lease losses	$2,409,000	1,375
Total noninterest income	$-1,341,000	7,267
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$40,000	6,490
Trading account gains and fees	$0	146
Additional Noninterest Income	$-1,381,000	7,230
Total noninterest expense	$8,150,000	2,331
Salaries and employee benefits	$2,961,000	3,153
Premises and equipment expense	$481,000	4,140
Additional noninterest expense	$4,708,000	1,459
Pre-tax net operating income	$1,068,000	3,595
Securities gains (losses)	$306,000	1,120
Applicable income taxes	$347,000	2,394
Income before extraordinary items	$1,027,000	3,504
Extraordinary gains, net	$0	29
Net income	$1,027,000	3,506
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,027,000	3,507
Net charge-offs	$4,007,000	966
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$797,500	3,825
2011-09-30 (YTD Data)		Rank
Total interest income	$15,022,000	1,439
Total interest expense	$4,942,000	969
Net interest income	$10,080,000	1,669
Provision for loan and lease losses	$1,568,000	1,465
Total noninterest income	$-894,000	7,351
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$31,000	6,501
Trading account gains and fees	$0	145
Additional Noninterest Income	$-925,000	7,309
Total noninterest expense	$6,154,000	2,327
Salaries and employee benefits	$2,236,000	3,146
Premises and equipment expense	$363,000	4,166
Additional noninterest expense	$3,555,000	1,448
Pre-tax net operating income	$1,464,000	2,628
Securities gains (losses)	$175,000	1,305
Applicable income taxes	$390,000	1,971
Income before extraordinary items	$1,249,000	2,646
Extraordinary gains, net	$0	21
Net income	$1,249,000	2,648
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,249,000	2,648
Net charge-offs	$2,246,000	1,133
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,116,000	2,752
2011-06-30 (YTD Data)		Rank
Total interest income	$10,285,000	1,426
Total interest expense	$3,364,000	988
Net interest income	$6,921,000	1,625
Provision for loan and lease losses	$798,000	1,731
Total noninterest income	$-661,000	7,425
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$21,000	6,511
Trading account gains and fees	$0	153
Additional Noninterest Income	$-682,000	7,413
Total noninterest expense	$4,115,000	2,343
Salaries and employee benefits	$1,505,000	3,135
Premises and equipment expense	$245,000	4,168
Additional noninterest expense	$2,365,000	1,477
Pre-tax net operating income	$1,347,000	2,046
Securities gains (losses)	$21,000	2,069
Applicable income taxes	$346,000	1,652
Income before extraordinary items	$1,022,000	2,231
Extraordinary gains, net	$0	15
Net income	$1,022,000	2,231
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,022,000	2,231
Net charge-offs	$1,487,000	1,130
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,006,250	2,182
2011-03-31 (YTD Data)		Rank
Total interest income	$5,224,000	1,403
Total interest expense	$1,696,000	1,011
Net interest income	$3,528,000	1,582
Provision for loan and lease losses	$264,000	2,121
Total noninterest income	$-377,000	7,503
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$11,000	6,455
Trading account gains and fees	$0	158
Additional Noninterest Income	$-388,000	7,494
Total noninterest expense	$2,120,000	2,283
Salaries and employee benefits	$778,000	3,071
Premises and equipment expense	$123,000	4,213
Additional noninterest expense	$1,219,000	1,434
Pre-tax net operating income	$767,000	1,842
Securities gains (losses)	$0	1,772
Applicable income taxes	$142,000	1,845
Income before extraordinary items	$625,000	1,851
Extraordinary gains, net	$0	9
Net income	$625,000	1,850
Minority interest net income	$0	86
Net income of bank and minority interests.	$625,000	1,851
Net charge-offs	$564,000	1,240
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$625,000	1,797
2010-12-31 (YTD Data)		Rank
Total interest income	$22,126,000	1,386
Total interest expense	$8,951,000	928
Net interest income	$13,175,000	1,681
Provision for loan and lease losses	$4,462,000	1,245
Total noninterest income	$-743,000	7,521
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$44,000	6,321
Trading account gains and fees	$0	175
Additional Noninterest Income	$-787,000	7,462
Total noninterest expense	$9,263,000	2,083
Salaries and employee benefits	$3,244,000	2,917
Premises and equipment expense	$493,000	4,218
Additional noninterest expense	$5,526,000	1,321
Pre-tax net operating income	$-1,293,000	6,593
Securities gains (losses)	$829,000	582
Applicable income taxes	$583,000	1,746
Income before extraordinary items	$-1,047,000	6,609
Extraordinary gains, net	$0	29
Net income	$-1,047,000	6,610
Minority interest net income	$0	111
Net income of bank and minority interests.	$-1,047,000	6,610
Net charge-offs	$4,887,000	1,043
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-1,876,000	6,802
2010-09-30 (YTD Data)		Rank
Total interest income	$16,964,000	1,380
Total interest expense	$7,037,000	918
Net interest income	$9,927,000	1,697
Provision for loan and lease losses	$3,839,000	1,079
Total noninterest income	$-660,000	7,662
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$34,000	6,369
Trading account gains and fees	$0	165
Additional Noninterest Income	$-694,000	7,618
Total noninterest expense	$6,837,000	2,118
Salaries and employee benefits	$2,465,000	2,886
Premises and equipment expense	$366,000	4,303
Additional noninterest expense	$4,006,000	1,341
Pre-tax net operating income	$-1,409,000	6,920
Securities gains (losses)	$62,000	2,297
Applicable income taxes	$111,000	3,043
Income before extraordinary items	$-1,458,000	7,038
Extraordinary gains, net	$0	23
Net income	$-1,458,000	7,037
Minority interest net income	$0	110
Net income of bank and minority interests.	$-1,458,000	7,038
Net charge-offs	$3,518,000	1,009
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-1,520,000	7,025
2010-06-30 (YTD Data)		Rank
Total interest income	$11,674,000	1,355
Total interest expense	$4,999,000	890
Net interest income	$6,675,000	1,692
Provision for loan and lease losses	$2,129,000	1,226
Total noninterest income	$-476,000	7,741
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$23,000	6,408
Trading account gains and fees	$0	152
Additional Noninterest Income	$-499,000	7,710
Total noninterest expense	$4,711,000	2,061
Salaries and employee benefits	$1,694,000	2,816
Premises and equipment expense	$243,000	4,343
Additional noninterest expense	$2,774,000	1,291
Pre-tax net operating income	$-641,000	6,837
Securities gains (losses)	$833,000	307
Applicable income taxes	$128,000	2,565
Income before extraordinary items	$64,000	5,789
Extraordinary gains, net	$0	19
Net income	$64,000	5,791
Minority interest net income	$0	105
Net income of bank and minority interests.	$64,000	5,790
Net charge-offs	$2,350,000	1,004
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-469,120	6,797
2010-03-31 (YTD Data)		Rank
Total interest income	$5,964,000	1,357
Total interest expense	$2,645,000	879
Net interest income	$3,319,000	1,710
Provision for loan and lease losses	$842,000	1,319
Total noninterest income	$-233,000	7,850
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$12,000	6,416
Trading account gains and fees	$0	175
Additional Noninterest Income	$-245,000	7,822
Total noninterest expense	$2,138,000	2,283
Salaries and employee benefits	$872,000	2,804
Premises and equipment expense	$119,000	4,489
Additional noninterest expense	$1,147,000	1,540
Pre-tax net operating income	$106,000	4,974
Securities gains (losses)	$-5,000	7,442
Applicable income taxes	$100,000	2,124
Income before extraordinary items	$1,000	6,374
Extraordinary gains, net	$0	16
Net income	$1,000	6,376
Minority interest net income	$0	91
Net income of bank and minority interests.	$1,000	6,375
Net charge-offs	$901,000	1,116
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$4,200	6,226
2009-12-31 (YTD Data)		Rank
Total interest income	$26,760,000	1,295
Total interest expense	$14,621,000	797
Net interest income	$12,139,000	1,826
Provision for loan and lease losses	$7,586,000	1,068
Total noninterest income	$-329,000	7,856
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$47,000	6,516
Trading account gains and fees	$0	211
Additional Noninterest Income	$-376,000	7,769
Total noninterest expense	$8,762,000	2,261
Salaries and employee benefits	$3,310,000	2,931
Premises and equipment expense	$363,000	5,229
Additional noninterest expense	$5,089,000	1,471
Pre-tax net operating income	$-4,538,000	7,134
Securities gains (losses)	$3,638,000	168
Applicable income taxes	$-937,000	7,256
Income before extraordinary items	$37,000	5,390
Extraordinary gains, net	$0	34
Net income	$37,000	5,389
Minority interest net income	$0	115
Net income of bank and minority interests.	$37,000	5,389
Net charge-offs	$6,786,000	919
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-2,291,320	6,828
2009-09-30 (YTD Data)		Rank
Total interest income	$20,651,000	1,276
Total interest expense	$11,788,000	777
Net interest income	$8,863,000	1,871
Provision for loan and lease losses	$6,821,000	841
Total noninterest income	$-368,000	7,991
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$36,000	6,545
Trading account gains and fees	$0	212
Additional Noninterest Income	$-404,000	7,940
Total noninterest expense	$6,625,000	2,248
Salaries and employee benefits	$2,555,000	2,886
Premises and equipment expense	$251,000	5,461
Additional noninterest expense	$3,819,000	1,417
Pre-tax net operating income	$-4,951,000	7,504
Securities gains (losses)	$3,148,000	153
Applicable income taxes	$-986,000	7,552
Income before extraordinary items	$-817,000	6,636
Extraordinary gains, net	$0	27
Net income	$-817,000	6,637
Minority interest net income	$0	118
Net income of bank and minority interests.	$-817,000	6,637
Net charge-offs	$4,739,000	848
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-2,831,720	7,339
2009-06-30 (YTD Data)		Rank
Total interest income	$14,324,000	1,251
Total interest expense	$8,356,000	772
Net interest income	$5,968,000	1,860
Provision for loan and lease losses	$4,723,000	776
Total noninterest income	$-278,000	8,085
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$24,000	6,581
Trading account gains and fees	$0	193
Additional Noninterest Income	$-302,000	8,047
Total noninterest expense	$4,397,000	2,284
Salaries and employee benefits	$1,698,000	2,928
Premises and equipment expense	$169,000	5,493
Additional noninterest expense	$2,530,000	1,464
Pre-tax net operating income	$-3,430,000	7,608
Securities gains (losses)	$2,387,000	153
Applicable income taxes	$-679,000	7,659
Income before extraordinary items	$-364,000	6,611
Extraordinary gains, net	$0	21
Net income	$-364,000	6,611
Minority interest net income	$0	112
Net income of bank and minority interests.	$-364,000	6,611
Net charge-offs	$2,866,000	888
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-1,891,680	7,448
2009-03-31 (YTD Data)		Rank
Total interest income	$7,799,000	1,164
Total interest expense	$4,428,000	754
Net interest income	$3,371,000	1,658
Provision for loan and lease losses	$3,259,000	534
Total noninterest income	$-100,000	8,155
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$12,000	6,577
Trading account gains and fees	$0	171
Additional Noninterest Income	$-112,000	8,126
Total noninterest expense	$1,893,000	2,553
Salaries and employee benefits	$822,000	3,032
Premises and equipment expense	$86,000	5,495
Additional noninterest expense	$985,000	1,637
Pre-tax net operating income	$-1,881,000	7,811
Securities gains (losses)	$2,532,000	104
Applicable income taxes	$-5,000	7,129
Income before extraordinary items	$656,000	1,643
Extraordinary gains, net	$0	15
Net income	$656,000	1,644
Minority interest net income	$0	102
Net income of bank and minority interests.	$656,000	1,645
Net charge-offs	$1,553,000	717
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-1,876,000	7,886
2008-12-31 (YTD Data)		Rank
Total interest income	$33,006,000	1,158
Total interest expense	$19,739,000	790
Net interest income	$13,267,000	1,671
Provision for loan and lease losses	$5,848,000	899
Total noninterest income	$-301,000	8,211
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$64,000	6,437
Trading account gains and fees	$0	154
Additional Noninterest Income	$-365,000	8,200
Total noninterest expense	$7,307,000	2,584
Salaries and employee benefits	$3,014,000	3,233
Premises and equipment expense	$433,000	4,865
Additional noninterest expense	$3,860,000	1,607
Pre-tax net operating income	$-189,000	6,543
Securities gains (losses)	$544,000	349
Applicable income taxes	$883,000	1,309
Income before extraordinary items	$-528,000	6,726
Extraordinary gains, net	$0	39
Net income	$-528,000	6,724
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,309,000	935
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-876,160	7,052
2008-09-30 (YTD Data)		Rank
Total interest income	$24,823,000	1,182
Total interest expense	$14,802,000	833
Net interest income	$10,021,000	1,672
Provision for loan and lease losses	$3,666,000	801
Total noninterest income	$-335,000	8,325
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$48,000	6,481
Trading account gains and fees	$0	148
Additional Noninterest Income	$-383,000	8,329
Total noninterest expense	$5,567,000	2,542
Salaries and employee benefits	$2,440,000	3,059
Premises and equipment expense	$335,000	4,786
Additional noninterest expense	$2,792,000	1,601
Pre-tax net operating income	$453,000	5,088
Securities gains (losses)	$544,000	296
Applicable income taxes	$339,000	2,327
Income before extraordinary items	$658,000	3,944
Extraordinary gains, net	$0	31
Net income	$658,000	3,942
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,173,000	1,174
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$298,960	5,404
2008-06-30 (YTD Data)		Rank
Total interest income	$16,787,000	1,179
Total interest expense	$10,250,000	830
Net interest income	$6,537,000	1,717
Provision for loan and lease losses	$2,546,000	669
Total noninterest income	$-102,000	8,392
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$31,000	6,533
Trading account gains and fees	$0	149
Additional Noninterest Income	$-133,000	8,386
Total noninterest expense	$3,713,000	2,547
Salaries and employee benefits	$1,606,000	3,132
Premises and equipment expense	$233,000	4,700
Additional noninterest expense	$1,874,000	1,563
Pre-tax net operating income	$176,000	5,972
Securities gains (losses)	$544,000	294
Applicable income taxes	$245,000	2,455
Income before extraordinary items	$475,000	4,120
Extraordinary gains, net	$0	21
Net income	$475,000	4,121
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$291,000	1,839
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$115,960	6,178
2008-03-31 (YTD Data)		Rank
Total interest income	$8,675,000	1,169
Total interest expense	$5,589,000	814
Net interest income	$3,086,000	1,814
Provision for loan and lease losses	$45,000	3,899
Total noninterest income	$22,000	7,623
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$17,000	6,420
Trading account gains and fees	$0	158
Additional Noninterest Income	$5,000	7,707
Total noninterest expense	$1,598,000	2,886
Salaries and employee benefits	$767,000	3,280
Premises and equipment expense	$116,000	4,734
Additional noninterest expense	$715,000	1,972
Pre-tax net operating income	$1,465,000	1,292
Securities gains (losses)	$0	2,688
Applicable income taxes	$498,000	1,011
Income before extraordinary items	$967,000	1,543
Extraordinary gains, net	$0	15
Net income	$967,000	1,546
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$91,000	1,882
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$967,000	1,491
2007-12-31 (YTD Data)		Rank
Total interest income	$37,246,000	1,142
Total interest expense	$27,691,000	710
Net interest income	$9,555,000	2,330
Provision for loan and lease losses	$5,285,000	392
Total noninterest income	$1,958,000	2,245
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$119,000	5,781
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,839,000	1,439
Total noninterest expense	$7,605,000	2,401
Salaries and employee benefits	$3,546,000	2,772
Premises and equipment expense	$453,000	4,647
Additional noninterest expense	$3,606,000	1,535
Pre-tax net operating income	$-1,377,000	8,162
Securities gains (losses)	$21,000	1,089
Applicable income taxes	$-461,000	8,297
Income before extraordinary items	$-895,000	8,072
Extraordinary gains, net	$0	39
Net income	$-895,000	8,069
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,185,000	446
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$-908,860	8,071
2007-09-30 (YTD Data)		Rank
Total interest income	$28,115,000	1,140
Total interest expense	$21,015,000	698
Net interest income	$7,100,000	2,359
Provision for loan and lease losses	$1,032,000	878
Total noninterest income	$2,355,000	1,589
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$103,000	5,584
Trading account gains and fees	$0	184
Additional Noninterest Income	$2,252,000	1,017
Total noninterest expense	$4,738,000	2,795
Salaries and employee benefits	$2,122,000	3,370
Premises and equipment expense	$336,000	4,667
Additional noninterest expense	$2,280,000	1,775
Pre-tax net operating income	$3,685,000	1,786
Securities gains (losses)	$-4,000	7,564
Applicable income taxes	$1,251,000	1,404
Income before extraordinary items	$2,430,000	2,052
Extraordinary gains, net	$0	33
Net income	$2,430,000	2,050
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$901,000	693
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,432,640	2,035
2007-06-30 (YTD Data)		Rank
Total interest income	$18,641,000	1,156
Total interest expense	$13,852,000	715
Net interest income	$4,789,000	2,366
Provision for loan and lease losses	$163,000	2,480
Total noninterest income	$554,000	3,331
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$77,000	5,411
Trading account gains and fees	$0	168
Additional Noninterest Income	$477,000	2,324
Total noninterest expense	$3,091,000	2,895
Salaries and employee benefits	$1,364,000	3,499
Premises and equipment expense	$235,000	4,553
Additional noninterest expense	$1,492,000	1,819
Pre-tax net operating income	$2,089,000	2,077
Securities gains (losses)	$286,000	266
Applicable income taxes	$807,000	1,481
Income before extraordinary items	$1,568,000	2,138
Extraordinary gains, net	$0	29
Net income	$1,568,000	2,137
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,000	1,832
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,379,240	2,340
2007-03-31 (YTD Data)		Rank
Total interest income	$9,167,000	1,169
Total interest expense	$6,782,000	722
Net interest income	$2,385,000	2,381
Provision for loan and lease losses	$50,000	3,068
Total noninterest income	$276,000	3,301
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$37,000	5,442
Trading account gains and fees	$0	195
Additional Noninterest Income	$239,000	2,282
Total noninterest expense	$1,538,000	2,918
Salaries and employee benefits	$714,000	3,401
Premises and equipment expense	$129,000	4,299
Additional noninterest expense	$695,000	1,916
Pre-tax net operating income	$1,073,000	2,042
Securities gains (losses)	$133,000	265
Applicable income taxes	$410,000	1,496
Income before extraordinary items	$796,000	2,072
Extraordinary gains, net	$0	22
Net income	$796,000	2,072
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	1,903
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$708,220	2,275
2006-12-31 (YTD Data)		Rank
Total interest income	$33,654,000	1,171
Total interest expense	$25,188,000	674
Net interest income	$8,466,000	2,649
Provision for loan and lease losses	$0	6,850
Total noninterest income	$-449,000	8,678
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$147,000	5,561
Trading account gains and fees	$0	130
Additional Noninterest Income	$-596,000	8,684
Total noninterest expense	$5,651,000	3,016
Salaries and employee benefits	$2,732,000	3,384
Premises and equipment expense	$469,000	4,453
Additional noninterest expense	$2,450,000	2,141
Pre-tax net operating income	$2,366,000	3,262
Securities gains (losses)	$-2,818,000	8,626
Applicable income taxes	$-154,000	8,422
Income before extraordinary items	$-298,000	8,196
Extraordinary gains, net	$0	51
Net income	$-298,000	8,196
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$331,000	1,544
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,561,880	3,666
2006-09-30 (YTD Data)		Rank
Total interest income	$24,706,000	1,202
Total interest expense	$18,304,000	681
Net interest income	$6,402,000	2,657
Provision for loan and lease losses	$0	6,685
Total noninterest income	$-174,000	8,736
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$103,000	5,740
Trading account gains and fees	$0	126
Additional Noninterest Income	$-277,000	8,744
Total noninterest expense	$4,152,000	3,075
Salaries and employee benefits	$2,078,000	3,337
Premises and equipment expense	$353,000	4,445
Additional noninterest expense	$1,721,000	2,258
Pre-tax net operating income	$2,076,000	3,028
Securities gains (losses)	$-1,430,000	8,688
Applicable income taxes	$220,000	4,008
Income before extraordinary items	$426,000	6,105
Extraordinary gains, net	$0	45
Net income	$426,000	6,105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	1,759
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,369,800	3,397
2006-06-30 (YTD Data)		Rank
Total interest income	$16,203,000	1,202
Total interest expense	$11,711,000	672
Net interest income	$4,492,000	2,545
Provision for loan and lease losses	$0	6,419
Total noninterest income	$105,000	6,903
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$64,000	5,863
Trading account gains and fees	$0	126
Additional Noninterest Income	$41,000	6,674
Total noninterest expense	$2,727,000	3,119
Salaries and employee benefits	$1,401,000	3,322
Premises and equipment expense	$238,000	4,408
Additional noninterest expense	$1,088,000	2,376
Pre-tax net operating income	$1,870,000	2,442
Securities gains (losses)	$0	1,185
Applicable income taxes	$636,000	1,976
Income before extraordinary items	$1,234,000	2,728
Extraordinary gains, net	$0	39
Net income	$1,234,000	2,730
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	1,597
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,234,000	2,718
2006-03-31 (YTD Data)		Rank
Total interest income	$7,978,000	1,195
Total interest expense	$5,595,000	661
Net interest income	$2,383,000	2,415
Provision for loan and lease losses	$-49,000	8,621
Total noninterest income	$50,000	6,943
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	$25,000	6,361
Total noninterest expense	$1,367,000	3,123
Salaries and employee benefits	$708,000	3,301
Premises and equipment expense	$132,000	4,139
Additional noninterest expense	$527,000	2,434
Pre-tax net operating income	$1,115,000	2,098
Securities gains (losses)	$0	955
Applicable income taxes	$379,000	1,728
Income before extraordinary items	$736,000	2,362
Extraordinary gains, net	$0	21
Net income	$736,000	2,363
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	897
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$736,000	2,339
2005-12-31 (YTD Data)		Rank
Total interest income	$29,115,000	1,132
Total interest expense	$17,520,000	653
Net interest income	$11,595,000	1,905
Provision for loan and lease losses	$1,340,000	792
Total noninterest income	$-98,000	8,825
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$71,000	6,730
Trading account gains and fees	$0	138
Additional Noninterest Income	$-169,000	8,834
Total noninterest expense	$5,722,000	2,872
Salaries and employee benefits	$3,071,000	2,913
Premises and equipment expense	$538,000	3,968
Additional noninterest expense	$2,113,000	2,363
Pre-tax net operating income	$4,435,000	2,053
Securities gains (losses)	$-297,000	8,655
Applicable income taxes	$1,407,000	1,787
Income before extraordinary items	$2,731,000	2,429
Extraordinary gains, net	$0	46
Net income	$2,731,000	2,430
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,000	2,901
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,927,020	2,260
2005-09-30 (YTD Data)		Rank
Total interest income	$21,298,000	1,130
Total interest expense	$12,174,000	673
Net interest income	$9,124,000	1,793
Provision for loan and lease losses	$918,000	814
Total noninterest income	$32,000	8,511
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$53,000	6,786
Trading account gains and fees	$0	126
Additional Noninterest Income	$-21,000	8,839
Total noninterest expense	$3,841,000	3,141
Salaries and employee benefits	$1,936,000	3,372
Premises and equipment expense	$419,000	3,839
Additional noninterest expense	$1,486,000	2,476
Pre-tax net operating income	$4,397,000	1,623
Securities gains (losses)	$-297,000	8,758
Applicable income taxes	$1,394,000	1,462
Income before extraordinary items	$2,706,000	1,939
Extraordinary gains, net	$0	35
Net income	$2,706,000	1,938
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	3,216
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$2,902,020	1,775
2005-06-30 (YTD Data)		Rank
Total interest income	$13,613,000	1,152
Total interest expense	$7,467,000	684
Net interest income	$6,146,000	1,748
Provision for loan and lease losses	$952,000	540
Total noninterest income	$-82,000	8,862
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$39,000	6,647
Trading account gains and fees	$0	116
Additional Noninterest Income	$-121,000	8,873
Total noninterest expense	$2,536,000	3,147
Salaries and employee benefits	$1,227,000	3,496
Premises and equipment expense	$285,000	3,771
Additional noninterest expense	$1,024,000	2,369
Pre-tax net operating income	$2,576,000	1,794
Securities gains (losses)	$-273,000	8,790
Applicable income taxes	$783,000	1,643
Income before extraordinary items	$1,520,000	2,205
Extraordinary gains, net	$0	30
Net income	$1,520,000	2,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	2,825
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,700,180	1,962
2005-03-31 (YTD Data)		Rank
Total interest income	$6,566,000	1,173
Total interest expense	$3,441,000	701
Net interest income	$3,125,000	1,713
Provision for loan and lease losses	$235,000	981
Total noninterest income	$-125,000	8,923
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$22,000	6,479
Trading account gains and fees	$0	115
Additional Noninterest Income	$-147,000	8,936
Total noninterest expense	$1,260,000	3,176
Salaries and employee benefits	$658,000	3,289
Premises and equipment expense	$157,000	3,521
Additional noninterest expense	$445,000	2,716
Pre-tax net operating income	$1,505,000	1,512
Securities gains (losses)	$-44,000	8,770
Applicable income taxes	$497,000	1,366
Income before extraordinary items	$964,000	1,743
Extraordinary gains, net	$0	24
Net income	$964,000	1,744
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	2,093
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$993,040	1,655
2004-12-31 (YTD Data)		Rank
Total interest income	$20,526,000	1,393
Total interest expense	$8,807,000	925
Net interest income	$11,719,000	1,727
Provision for loan and lease losses	$1,355,000	795
Total noninterest income	$-23,000	8,963
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$67,000	7,004
Trading account gains and fees	$0	138
Additional Noninterest Income	$-90,000	8,963
Total noninterest expense	$4,186,000	3,604
Salaries and employee benefits	$2,160,000	3,743
Premises and equipment expense	$447,000	4,427
Additional noninterest expense	$1,579,000	2,998
Pre-tax net operating income	$6,155,000	1,398
Securities gains (losses)	$2,056,000	179
Applicable income taxes	$2,792,000	953
Income before extraordinary items	$5,419,000	1,204
Extraordinary gains, net	$0	34
Net income	$5,419,000	1,206
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$217,000	2,462
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$4,062,040	1,548
2004-09-30 (YTD Data)		Rank
Total interest income	$14,568,000	1,473
Total interest expense	$5,936,000	1,000
Net interest income	$8,632,000	1,743
Provision for loan and lease losses	$996,000	782
Total noninterest income	$11,000	8,875
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$49,000	7,079
Trading account gains and fees	$0	134
Additional Noninterest Income	$-38,000	9,012
Total noninterest expense	$3,098,000	3,611
Salaries and employee benefits	$1,550,000	3,860
Premises and equipment expense	$332,000	4,448
Additional noninterest expense	$1,216,000	2,894
Pre-tax net operating income	$4,549,000	1,427
Securities gains (losses)	$2,062,000	167
Applicable income taxes	$2,248,000	920
Income before extraordinary items	$4,363,000	1,131
Extraordinary gains, net	$0	26
Net income	$4,363,000	1,132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$204,000	1,881
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$3,002,080	1,568
2004-06-30 (YTD Data)		Rank
Total interest income	$9,374,000	1,510
Total interest expense	$3,663,000	1,070
Net interest income	$5,711,000	1,745
Provision for loan and lease losses	$740,000	686
Total noninterest income	$128,000	6,783
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$33,000	7,087
Trading account gains and fees	$0	130
Additional Noninterest Income	$95,000	5,258
Total noninterest expense	$2,045,000	3,673
Salaries and employee benefits	$1,033,000	3,879
Premises and equipment expense	$217,000	4,509
Additional noninterest expense	$795,000	2,956
Pre-tax net operating income	$3,054,000	1,395
Securities gains (losses)	$3,155,000	120
Applicable income taxes	$2,111,000	694
Income before extraordinary items	$4,098,000	802
Extraordinary gains, net	$0	21
Net income	$4,098,000	802
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	2,683
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$2,015,700	1,536
2004-03-31 (YTD Data)		Rank
Total interest income	$4,421,000	1,598
Total interest expense	$1,795,000	1,111
Net interest income	$2,626,000	1,896
Provision for loan and lease losses	$373,000	679
Total noninterest income	$43,000	7,478
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$15,000	7,174
Trading account gains and fees	$0	121
Additional Noninterest Income	$28,000	6,237
Total noninterest expense	$1,051,000	3,618
Salaries and employee benefits	$534,000	3,801
Premises and equipment expense	$110,000	4,512
Additional noninterest expense	$407,000	2,865
Pre-tax net operating income	$1,245,000	1,664
Securities gains (losses)	$2,631,000	99
Applicable income taxes	$1,318,000	592
Income before extraordinary items	$2,558,000	657
Extraordinary gains, net	$0	16
Net income	$2,558,000	656
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	3,417
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$821,540	1,817
2003-12-31 (YTD Data)		Rank
Total interest income	$14,242,000	1,990
Total interest expense	$7,121,000	1,241
Net interest income	$7,121,000	2,711
Provision for loan and lease losses	$124,000	4,900
Total noninterest income	$1,116,000	3,475
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$57,000	7,321
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,059,000	2,304
Total noninterest expense	$4,159,000	3,607
Salaries and employee benefits	$2,120,000	3,743
Premises and equipment expense	$382,000	4,895
Additional noninterest expense	$1,657,000	2,817
Pre-tax net operating income	$3,954,000	1,990
Securities gains (losses)	$325,000	1,002
Applicable income taxes	$1,455,000	1,659
Income before extraordinary items	$2,824,000	2,150
Extraordinary gains, net	$0	54
Net income	$2,824,000	2,150
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	6,493
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,609,500	2,188
2003-09-30 (YTD Data)		Rank
Total interest income	$10,764,000	2,010
Total interest expense	$5,304,000	1,307
Net interest income	$5,460,000	2,669
Provision for loan and lease losses	$93,000	4,780
Total noninterest income	$252,000	6,392
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$44,000	7,355
Trading account gains and fees	$0	153
Additional Noninterest Income	$208,000	4,724
Total noninterest expense	$3,108,000	3,598
Salaries and employee benefits	$1,611,000	3,679
Premises and equipment expense	$285,000	4,889
Additional noninterest expense	$1,212,000	2,859
Pre-tax net operating income	$2,511,000	2,374
Securities gains (losses)	$289,000	987
Applicable income taxes	$952,000	1,929
Income before extraordinary items	$1,848,000	2,494
Extraordinary gains, net	$0	40
Net income	$1,848,000	2,493
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,221
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,657,260	2,595
2003-06-30 (YTD Data)		Rank
Total interest income	$7,085,000	2,057
Total interest expense	$3,512,000	1,373
Net interest income	$3,573,000	2,718
Provision for loan and lease losses	$57,000	4,981
Total noninterest income	$161,000	6,480
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$34,000	7,172
Trading account gains and fees	$0	150
Additional Noninterest Income	$127,000	4,888
Total noninterest expense	$2,087,000	3,557
Salaries and employee benefits	$1,101,000	3,600
Premises and equipment expense	$183,000	4,991
Additional noninterest expense	$803,000	2,858
Pre-tax net operating income	$1,590,000	2,473
Securities gains (losses)	$0	3,782
Applicable income taxes	$541,000	2,210
Income before extraordinary items	$1,049,000	2,874
Extraordinary gains, net	$0	30
Net income	$1,049,000	2,873
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,049,000	2,705
2003-03-31 (YTD Data)		Rank
Total interest income	$3,525,000	2,086
Total interest expense	$1,723,000	1,438
Net interest income	$1,802,000	2,679
Provision for loan and lease losses	$0	6,934
Total noninterest income	$27,000	8,282
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$16,000	7,223
Trading account gains and fees	$0	134
Additional Noninterest Income	$11,000	7,783
Total noninterest expense	$944,000	3,836
Salaries and employee benefits	$508,000	3,848
Premises and equipment expense	$83,000	5,318
Additional noninterest expense	$353,000	3,169
Pre-tax net operating income	$885,000	2,272
Securities gains (losses)	$0	2,891
Applicable income taxes	$301,000	2,048
Income before extraordinary items	$584,000	2,607
Extraordinary gains, net	$0	21
Net income	$584,000	2,605
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	8,385
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$584,000	2,468
2002-12-31 (YTD Data)		Rank
Total interest income	$14,444,000	2,122
Total interest expense	$7,218,000	1,569
Net interest income	$7,226,000	2,640
Provision for loan and lease losses	$0	8,089
Total noninterest income	$-7,000	9,324
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$74,000	7,056
Trading account gains and fees	$23,000	128
Additional Noninterest Income	$-104,000	9,328
Total noninterest expense	$3,076,000	4,376
Salaries and employee benefits	$1,557,000	4,556
Premises and equipment expense	$321,000	5,345
Additional noninterest expense	$1,198,000	3,611
Pre-tax net operating income	$4,143,000	1,930
Securities gains (losses)	$129,000	1,517
Applicable income taxes	$1,453,000	1,697
Income before extraordinary items	$2,819,000	2,120
Extraordinary gains, net	$0	70
Net income	$2,819,000	2,120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	3,757
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$500,000	471
Net operating income	$2,733,860	2,112
2001-12-31 (YTD Data)		Rank
Total interest income	$14,389,000	2,380
Total interest expense	$8,821,000	1,830
Net interest income	$5,568,000	3,144
Provision for loan and lease losses	$140,000	4,923
Total noninterest income	$214,000	7,178
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$79,000	6,996
Trading account gains and fees	$167,000	108
Additional Noninterest Income	$-32,000	9,593
Total noninterest expense	$2,637,000	4,786
Salaries and employee benefits	$1,261,000	5,133
Premises and equipment expense	$301,000	5,503
Additional noninterest expense	$1,075,000	3,832
Pre-tax net operating income	$3,005,000	2,262
Securities gains (losses)	$377,000	753
Applicable income taxes	$1,163,000	1,866
Income before extraordinary items	$2,219,000	2,320
Extraordinary gains, net	$0	105
Net income	$2,219,000	2,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,653
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$250,000	559
Net operating income	$1,970,180	2,489
2000-12-31 (YTD Data)		Rank
Total interest income	$11,228,000	3,072
Total interest expense	$7,225,000	2,338
Net interest income	$4,003,000	4,180
Provision for loan and lease losses	$114,000	5,045
Total noninterest income	$106,000	8,514
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$85,000	6,874
Trading account gains and fees	$0	180
Additional Noninterest Income	$21,000	8,923
Total noninterest expense	$2,736,000	4,549
Salaries and employee benefits	$1,381,000	4,675
Premises and equipment expense	$302,000	5,394
Additional noninterest expense	$1,053,000	3,832
Pre-tax net operating income	$1,259,000	4,602
Securities gains (losses)	$0	1,956
Applicable income taxes	$383,000	4,069
Income before extraordinary items	$876,000	4,756
Extraordinary gains, net	$0	38
Net income	$876,000	4,755
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	4,534
Cash dividends	$750,000	2,772
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$876,000	4,764
1999-12-31 (YTD Data)		Rank
Total interest income	$10,100,000	3,193
Total interest expense	$5,525,000	2,676
Net interest income	$4,575,000	3,734
Provision for loan and lease losses	$312,000	2,566
Total noninterest income	$76,000	9,203
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$70,000	7,352
Trading account gains and fees	$0	173
Additional Noninterest Income	$6,000	9,914
Total noninterest expense	$2,536,000	4,829
Salaries and employee benefits	$1,301,000	4,868
Premises and equipment expense	$270,000	5,798
Additional noninterest expense	$965,000	4,142
Pre-tax net operating income	$1,803,000	3,612
Securities gains (losses)	$0	3,155
Applicable income taxes	$630,000	3,112
Income before extraordinary items	$1,173,000	3,945
Extraordinary gains, net	$0	35
Net income	$1,173,000	3,946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	4,661
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,173,000	3,915
1998-12-31 (YTD Data)		Rank
Total interest income	$9,405,000	3,413
Total interest expense	$5,434,000	2,772
Net interest income	$3,971,000	4,142
Provision for loan and lease losses	$133,000	4,421
Total noninterest income	$86,000	9,254
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$81,000	7,260
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	10,199
Total noninterest expense	$2,183,000	5,253
Salaries and employee benefits	$1,027,000	5,678
Premises and equipment expense	$240,000	6,105
Additional noninterest expense	$916,000	4,227
Pre-tax net operating income	$1,741,000	3,733
Securities gains (losses)	$0	4,449
Applicable income taxes	$586,000	3,467
Income before extraordinary items	$1,155,000	4,055
Extraordinary gains, net	$0	32
Net income	$1,155,000	4,054
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,323
Cash dividends	$323,000	4,402
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,155,000	3,959
1997-12-31 (YTD Data)		Rank
Total interest income	$7,918,000	4,011
Total interest expense	$4,798,000	3,097
Net interest income	$3,120,000	5,139
Provision for loan and lease losses	$317,000	2,489
Total noninterest income	$107,000	9,285
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	7,424
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	10,015
Total noninterest expense	$1,764,000	6,153
Salaries and employee benefits	$798,000	6,791
Premises and equipment expense	$209,000	6,683
Additional noninterest expense	$757,000	4,939
Pre-tax net operating income	$1,146,000	5,393
Securities gains (losses)	$0	3,944
Applicable income taxes	$389,000	4,959
Income before extraordinary items	$757,000	5,643
Extraordinary gains, net	$0	44
Net income	$757,000	5,646
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,805
Cash dividends	$80,000	6,752
Sale, conversion, retirement of capital stock, net	$11,000	965
Net operating income	$757,000	5,601
1996-12-31 (YTD Data)		Rank
Total interest income	$6,105,000	5,121
Total interest expense	$3,490,000	4,205
Net interest income	$2,615,000	6,022
Provision for loan and lease losses	$134,000	4,364
Total noninterest income	$116,000	9,597
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$82,000	7,938
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	9,653
Total noninterest expense	$1,789,000	6,414
Salaries and employee benefits	$699,000	7,537
Premises and equipment expense	$195,000	7,111
Additional noninterest expense	$895,000	4,780
Pre-tax net operating income	$808,000	6,472
Securities gains (losses)	$0	4,148
Applicable income taxes	$266,000	6,233
Income before extraordinary items	$542,000	6,613
Extraordinary gains, net	$0	53
Net income	$542,000	6,616
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,912
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$1,984,000	304
Net operating income	$542,000	6,550
1995-12-31 (YTD Data)		Rank
Total interest income	$5,138,000	5,869
Total interest expense	$3,125,000	4,574
Net interest income	$2,013,000	7,276
Provision for loan and lease losses	$45,000	6,418
Total noninterest income	$100,000	10,271
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	8,390
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	10,706
Total noninterest expense	$1,364,000	7,699
Salaries and employee benefits	$639,000	8,123
Premises and equipment expense	$154,000	8,169
Additional noninterest expense	$571,000	6,716
Pre-tax net operating income	$704,000	7,308
Securities gains (losses)	$0	3,831
Applicable income taxes	$245,000	6,720
Income before extraordinary items	$459,000	7,571
Extraordinary gains, net	$0	65
Net income	$459,000	7,570
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,816
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$8,000	774
Net operating income	$459,000	7,542
1994-12-31 (YTD Data)		Rank
Total interest income	$4,063,000	6,615
Total interest expense	$2,084,000	5,434
Net interest income	$1,979,000	7,615
Provision for loan and lease losses	$64,000	5,501
Total noninterest income	$88,000	11,036
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	8,896
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	11,783
Total noninterest expense	$1,182,000	8,682
Salaries and employee benefits	$581,000	8,751
Premises and equipment expense	$143,000	8,743
Additional noninterest expense	$458,000	8,249
Pre-tax net operating income	$821,000	6,770
Securities gains (losses)	$-99,000	11,519
Applicable income taxes	$246,000	6,601
Income before extraordinary items	$476,000	7,485
Extraordinary gains, net	$0	249
Net income	$476,000	7,491
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,352
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$8,000	1,101
Net operating income	$541,340	7,039
1993-12-31 (YTD Data)		Rank
Total interest income	$3,367,000	7,729
Total interest expense	$1,568,000	6,988
Net interest income	$1,799,000	8,249
Provision for loan and lease losses	$33,000	8,295
Total noninterest income	$94,000	11,460
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$81,000	8,972
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	12,543
Total noninterest expense	$1,097,000	9,330
Salaries and employee benefits	$549,000	9,225
Premises and equipment expense	$126,000	9,610
Additional noninterest expense	$422,000	9,008
Pre-tax net operating income	$763,000	7,013
Securities gains (losses)	$0	7,477
Applicable income taxes	$215,000	7,343
Income before extraordinary items	$545,000	7,183
Extraordinary gains, net	$0	3,149
Net income	$545,000	7,353
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$545,000	6,939
1992-12-31 (YTD Data)		Rank
Total interest income	$3,447,000	8,266
Total interest expense	$1,930,000	7,272
Net interest income	$1,517,000	9,219
Provision for loan and lease losses	$40,000	9,471
Total noninterest income	$98,000	11,783
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	9,202
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	12,651
Total noninterest expense	$1,015,000	9,903
Salaries and employee benefits	$467,000	10,125
Premises and equipment expense	$75,000	11,682
Additional noninterest expense	$473,000	8,717
Pre-tax net operating income	$560,000	7,991
Securities gains (losses)	$29,000	5,046
Applicable income taxes	$200,000	7,567
Income before extraordinary items	$389,000	8,328
Extraordinary gains, net	$0	1,422
Net income	$389,000	8,455
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	10,870
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$369,860	8,156

* 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.