Home > Graham National Bank > Income and Expense

Graham National Bank, Income and Expense

2010-09-30 (YTD Data)		Rank
Total interest income	$3,611,000	5,015
Total interest expense	$539,000	6,057
Net interest income	$3,072,000	4,573
Provision for loan and lease losses	$0	6,977
Total noninterest income	$806,000	3,135
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$286,000	3,236
Trading account gains and fees	$0	165
Additional Noninterest Income	$520,000	2,702
Total noninterest expense	$2,492,000	4,742
Salaries and employee benefits	$891,000	5,731
Premises and equipment expense	$562,000	3,173
Additional noninterest expense	$1,039,000	4,201
Pre-tax net operating income	$1,386,000	2,535
Securities gains (losses)	$0	3,651
Applicable income taxes	$0	4,726
Income before extraordinary items	$1,386,000	2,294
Extraordinary gains, net	$0	23
Net income	$1,386,000	2,290
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,386,000	2,295
Net charge-offs	$4,000	6,473
Cash dividends	$550,000	1,645
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,386,000	2,188
2010-06-30 (YTD Data)		Rank
Total interest income	$2,355,000	5,113
Total interest expense	$351,000	6,200
Net interest income	$2,004,000	4,644
Provision for loan and lease losses	$0	6,857
Total noninterest income	$538,000	3,079
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$190,000	3,239
Trading account gains and fees	$0	152
Additional Noninterest Income	$348,000	2,616
Total noninterest expense	$1,649,000	4,773
Salaries and employee benefits	$594,000	5,758
Premises and equipment expense	$368,000	3,247
Additional noninterest expense	$687,000	4,221
Pre-tax net operating income	$893,000	2,597
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$893,000	2,316
Extraordinary gains, net	$0	19
Net income	$893,000	2,312
Minority interest net income	$0	105
Net income of bank and minority interests.	$893,000	2,315
Net charge-offs	$4,000	6,102
Cash dividends	$550,000	1,229
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$893,000	2,228
2010-03-31 (YTD Data)		Rank
Total interest income	$1,153,000	5,234
Total interest expense	$170,000	6,397
Net interest income	$983,000	4,733
Provision for loan and lease losses	$0	6,552
Total noninterest income	$269,000	3,076
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$94,000	3,271
Trading account gains and fees	$0	175
Additional Noninterest Income	$175,000	2,592
Total noninterest expense	$804,000	4,901
Salaries and employee benefits	$300,000	5,819
Premises and equipment expense	$184,000	3,347
Additional noninterest expense	$320,000	4,414
Pre-tax net operating income	$448,000	2,616
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$448,000	2,352
Extraordinary gains, net	$0	16
Net income	$448,000	2,351
Minority interest net income	$0	91
Net income of bank and minority interests.	$448,000	2,352
Net charge-offs	$0	5,610
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$448,000	2,260
2009-12-31 (YTD Data)		Rank
Total interest income	$4,713,000	5,305
Total interest expense	$752,000	6,581
Net interest income	$3,961,000	4,599
Provision for loan and lease losses	$253,000	5,503
Total noninterest income	$1,409,000	2,668
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$440,000	3,141
Trading account gains and fees	$0	211
Additional Noninterest Income	$969,000	2,182
Total noninterest expense	$3,085,000	5,093
Salaries and employee benefits	$1,146,000	5,955
Premises and equipment expense	$758,000	3,264
Additional noninterest expense	$1,181,000	4,791
Pre-tax net operating income	$2,032,000	1,885
Securities gains (losses)	$0	3,754
Applicable income taxes	$0	4,388
Income before extraordinary items	$2,032,000	1,642
Extraordinary gains, net	$0	34
Net income	$2,032,000	1,640
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,032,000	1,641
Net charge-offs	$372,000	4,192
Cash dividends	$3,225,000	540
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,032,000	1,598
2009-09-30 (YTD Data)		Rank
Total interest income	$3,515,000	5,379
Total interest expense	$581,000	6,662
Net interest income	$2,934,000	4,650
Provision for loan and lease losses	$0	7,284
Total noninterest income	$878,000	3,086
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$326,000	3,178
Trading account gains and fees	$0	212
Additional Noninterest Income	$552,000	2,652
Total noninterest expense	$2,303,000	5,130
Salaries and employee benefits	$870,000	5,944
Premises and equipment expense	$563,000	3,338
Additional noninterest expense	$870,000	4,818
Pre-tax net operating income	$1,509,000	2,051
Securities gains (losses)	$0	3,497
Applicable income taxes	$0	4,592
Income before extraordinary items	$1,509,000	1,763
Extraordinary gains, net	$0	27
Net income	$1,509,000	1,763
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,509,000	1,763
Net charge-offs	$-8,000	7,848
Cash dividends	$2,375,000	534
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,509,000	1,723
2009-06-30 (YTD Data)		Rank
Total interest income	$2,314,000	5,462
Total interest expense	$401,000	6,710
Net interest income	$1,913,000	4,711
Provision for loan and lease losses	$0	7,158
Total noninterest income	$587,000	3,090
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$208,000	3,244
Trading account gains and fees	$0	193
Additional Noninterest Income	$379,000	2,634
Total noninterest expense	$1,534,000	5,179
Salaries and employee benefits	$581,000	6,004
Premises and equipment expense	$369,000	3,391
Additional noninterest expense	$584,000	4,804
Pre-tax net operating income	$966,000	2,175
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$966,000	1,894
Extraordinary gains, net	$0	21
Net income	$966,000	1,891
Minority interest net income	$0	112
Net income of bank and minority interests.	$966,000	1,893
Net charge-offs	$-9,000	7,884
Cash dividends	$1,875,000	484
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$966,000	1,840
2009-03-31 (YTD Data)		Rank
Total interest income	$1,149,000	5,537
Total interest expense	$216,000	6,670
Net interest income	$933,000	4,773
Provision for loan and lease losses	$0	6,744
Total noninterest income	$315,000	2,931
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$103,000	3,209
Trading account gains and fees	$0	171
Additional Noninterest Income	$212,000	2,433
Total noninterest expense	$749,000	5,188
Salaries and employee benefits	$291,000	6,048
Premises and equipment expense	$187,000	3,412
Additional noninterest expense	$271,000	4,718
Pre-tax net operating income	$499,000	2,380
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$499,000	2,141
Extraordinary gains, net	$0	15
Net income	$499,000	2,140
Minority interest net income	$0	102
Net income of bank and minority interests.	$499,000	2,142
Net charge-offs	$-1,000	7,151
Cash dividends	$1,225,000	358
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$499,000	2,005
2008-12-31 (YTD Data)		Rank
Total interest income	$5,812,000	5,022
Total interest expense	$1,502,000	5,979
Net interest income	$4,310,000	4,342
Provision for loan and lease losses	$573,000	3,597
Total noninterest income	$1,590,000	2,518
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$432,000	3,306
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,158,000	1,927
Total noninterest expense	$2,771,000	5,359
Salaries and employee benefits	$1,151,000	6,099
Premises and equipment expense	$771,000	3,269
Additional noninterest expense	$849,000	5,313
Pre-tax net operating income	$2,556,000	2,051
Securities gains (losses)	$0	3,220
Applicable income taxes	$0	4,979
Income before extraordinary items	$2,556,000	1,585
Extraordinary gains, net	$0	39
Net income	$2,556,000	1,586
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	4,329
Cash dividends	$1,242,000	1,991
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,556,000	1,691
2008-09-30 (YTD Data)		Rank
Total interest income	$4,377,000	5,089
Total interest expense	$1,238,000	5,888
Net interest income	$3,139,000	4,482
Provision for loan and lease losses	$170,000	4,457
Total noninterest income	$1,208,000	2,571
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$317,000	3,378
Trading account gains and fees	$0	148
Additional Noninterest Income	$891,000	1,977
Total noninterest expense	$2,020,000	5,424
Salaries and employee benefits	$869,000	6,086
Premises and equipment expense	$526,000	3,518
Additional noninterest expense	$625,000	5,311
Pre-tax net operating income	$2,157,000	2,184
Securities gains (losses)	$0	3,106
Applicable income taxes	$0	5,372
Income before extraordinary items	$2,157,000	1,656
Extraordinary gains, net	$0	31
Net income	$2,157,000	1,655
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$169,000	3,271
Cash dividends	$1,042,000	1,746
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,157,000	1,755
2008-06-30 (YTD Data)		Rank
Total interest income	$2,875,000	5,205
Total interest expense	$906,000	5,812
Net interest income	$1,969,000	4,664
Provision for loan and lease losses	$0	6,671
Total noninterest income	$741,000	2,746
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$217,000	3,324
Trading account gains and fees	$0	149
Additional Noninterest Income	$524,000	2,179
Total noninterest expense	$1,338,000	5,482
Salaries and employee benefits	$579,000	6,147
Premises and equipment expense	$343,000	3,605
Additional noninterest expense	$416,000	5,306
Pre-tax net operating income	$1,372,000	2,364
Securities gains (losses)	$0	3,233
Applicable income taxes	$0	5,627
Income before extraordinary items	$1,372,000	1,946
Extraordinary gains, net	$0	21
Net income	$1,372,000	1,946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,297
Cash dividends	$867,000	1,599
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,372,000	1,910
2008-03-31 (YTD Data)		Rank
Total interest income	$1,551,000	5,061
Total interest expense	$513,000	5,687
Net interest income	$1,038,000	4,494
Provision for loan and lease losses	$0	6,080
Total noninterest income	$371,000	2,742
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$113,000	3,189
Trading account gains and fees	$0	158
Additional Noninterest Income	$258,000	2,178
Total noninterest expense	$660,000	5,530
Salaries and employee benefits	$295,000	6,134
Premises and equipment expense	$166,000	3,697
Additional noninterest expense	$199,000	5,392
Pre-tax net operating income	$749,000	2,288
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$749,000	1,917
Extraordinary gains, net	$0	15
Net income	$749,000	1,919
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,920
Cash dividends	$867,000	863
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$749,000	1,849
2007-12-31 (YTD Data)		Rank
Total interest income	$7,392,000	4,597
Total interest expense	$2,350,000	5,430
Net interest income	$5,042,000	3,975
Provision for loan and lease losses	$28,000	6,150
Total noninterest income	$1,427,000	2,802
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$438,000	3,352
Trading account gains and fees	$0	178
Additional Noninterest Income	$989,000	2,230
Total noninterest expense	$2,695,000	5,355
Salaries and employee benefits	$1,123,000	6,169
Premises and equipment expense	$754,000	3,245
Additional noninterest expense	$818,000	5,275
Pre-tax net operating income	$3,746,000	2,084
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,070
Income before extraordinary items	$3,746,000	1,690
Extraordinary gains, net	$0	39
Net income	$3,746,000	1,689
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	5,249
Cash dividends	$2,678,000	1,304
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$3,746,000	1,675
2007-09-30 (YTD Data)		Rank
Total interest income	$5,590,000	4,580
Total interest expense	$1,774,000	5,424
Net interest income	$3,816,000	3,952
Provision for loan and lease losses	$14,000	6,059
Total noninterest income	$1,062,000	2,793
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$325,000	3,368
Trading account gains and fees	$0	184
Additional Noninterest Income	$737,000	2,233
Total noninterest expense	$1,994,000	5,373
Salaries and employee benefits	$839,000	6,167
Premises and equipment expense	$537,000	3,361
Additional noninterest expense	$618,000	5,193
Pre-tax net operating income	$2,870,000	2,185
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$2,870,000	1,762
Extraordinary gains, net	$0	33
Net income	$2,870,000	1,761
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	4,905
Cash dividends	$2,228,000	1,125
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,870,000	1,749
2007-06-30 (YTD Data)		Rank
Total interest income	$3,609,000	4,670
Total interest expense	$1,119,000	5,578
Net interest income	$2,490,000	4,036
Provision for loan and lease losses	$1,000	6,174
Total noninterest income	$694,000	2,853
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$210,000	3,418
Trading account gains and fees	$0	168
Additional Noninterest Income	$484,000	2,298
Total noninterest expense	$1,321,000	5,423
Salaries and employee benefits	$554,000	6,246
Premises and equipment expense	$358,000	3,368
Additional noninterest expense	$409,000	5,226
Pre-tax net operating income	$1,862,000	2,285
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$1,862,000	1,868
Extraordinary gains, net	$0	29
Net income	$1,862,000	1,868
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,315
Cash dividends	$2,228,000	805
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,862,000	1,844
2007-03-31 (YTD Data)		Rank
Total interest income	$1,808,000	4,681
Total interest expense	$547,000	5,639
Net interest income	$1,261,000	4,004
Provision for loan and lease losses	$0	5,779
Total noninterest income	$330,000	2,927
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$98,000	3,492
Trading account gains and fees	$0	195
Additional Noninterest Income	$232,000	2,329
Total noninterest expense	$649,000	5,509
Salaries and employee benefits	$277,000	6,289
Premises and equipment expense	$178,000	3,422
Additional noninterest expense	$194,000	5,363
Pre-tax net operating income	$942,000	2,270
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$942,000	1,811
Extraordinary gains, net	$0	22
Net income	$942,000	1,811
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$1,106,000	737
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$942,000	1,800
2006-12-31 (YTD Data)		Rank
Total interest income	$6,603,000	4,720
Total interest expense	$1,608,000	5,944
Net interest income	$4,995,000	4,005
Provision for loan and lease losses	$48,000	5,647
Total noninterest income	$1,375,000	2,867
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$416,000	3,455
Trading account gains and fees	$0	130
Additional Noninterest Income	$959,000	2,300
Total noninterest expense	$2,723,000	5,204
Salaries and employee benefits	$1,092,000	6,173
Premises and equipment expense	$830,000	2,908
Additional noninterest expense	$801,000	5,229
Pre-tax net operating income	$3,599,000	2,430
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$3,599,000	1,964
Extraordinary gains, net	$0	51
Net income	$3,599,000	1,965
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	4,095
Cash dividends	$3,921,000	883
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$3,599,000	1,950
2006-09-30 (YTD Data)		Rank
Total interest income	$4,790,000	4,801
Total interest expense	$1,108,000	6,103
Net interest income	$3,682,000	4,088
Provision for loan and lease losses	$30,000	5,631
Total noninterest income	$1,079,000	2,780
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$317,000	3,446
Trading account gains and fees	$0	126
Additional Noninterest Income	$762,000	2,199
Total noninterest expense	$2,040,000	5,207
Salaries and employee benefits	$819,000	6,152
Premises and equipment expense	$618,000	2,922
Additional noninterest expense	$603,000	5,195
Pre-tax net operating income	$2,691,000	2,507
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$2,691,000	2,015
Extraordinary gains, net	$0	45
Net income	$2,691,000	2,016
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	3,812
Cash dividends	$2,310,000	1,023
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,691,000	2,011
2006-06-30 (YTD Data)		Rank
Total interest income	$3,144,000	4,807
Total interest expense	$683,000	6,186
Net interest income	$2,461,000	4,088
Provision for loan and lease losses	$29,000	5,242
Total noninterest income	$605,000	3,103
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$217,000	3,369
Trading account gains and fees	$0	126
Additional Noninterest Income	$388,000	2,603
Total noninterest expense	$1,386,000	5,152
Salaries and employee benefits	$549,000	6,164
Premises and equipment expense	$430,000	2,813
Additional noninterest expense	$407,000	5,149
Pre-tax net operating income	$1,651,000	2,678
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$1,651,000	2,167
Extraordinary gains, net	$0	39
Net income	$1,651,000	2,170
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	3,101
Cash dividends	$2,110,000	770
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,651,000	2,154
2006-03-31 (YTD Data)		Rank
Total interest income	$1,567,000	4,767
Total interest expense	$327,000	6,193
Net interest income	$1,240,000	4,067
Provision for loan and lease losses	$25,000	4,252
Total noninterest income	$296,000	3,115
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$107,000	3,329
Trading account gains and fees	$0	115
Additional Noninterest Income	$189,000	2,587
Total noninterest expense	$701,000	5,125
Salaries and employee benefits	$273,000	6,208
Premises and equipment expense	$218,000	2,807
Additional noninterest expense	$210,000	5,028
Pre-tax net operating income	$810,000	2,680
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$810,000	2,156
Extraordinary gains, net	$0	21
Net income	$810,000	2,156
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	2,127
Cash dividends	$1,035,000	719
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$810,000	2,141
2005-12-31 (YTD Data)		Rank
Total interest income	$5,456,000	4,873
Total interest expense	$1,086,000	6,086
Net interest income	$4,370,000	4,349
Provision for loan and lease losses	$41,000	5,955
Total noninterest income	$1,083,000	3,364
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$422,000	3,439
Trading account gains and fees	$0	138
Additional Noninterest Income	$661,000	2,872
Total noninterest expense	$2,683,000	5,142
Salaries and employee benefits	$1,054,000	6,203
Premises and equipment expense	$765,000	3,011
Additional noninterest expense	$864,000	4,903
Pre-tax net operating income	$2,729,000	2,981
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$2,729,000	2,430
Extraordinary gains, net	$0	46
Net income	$2,729,000	2,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	4,497
Cash dividends	$3,034,000	1,011
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,729,000	2,400
2005-09-30 (YTD Data)		Rank
Total interest income	$3,970,000	4,941
Total interest expense	$783,000	6,067
Net interest income	$3,187,000	4,457
Provision for loan and lease losses	$22,000	6,097
Total noninterest income	$792,000	3,426
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$321,000	3,408
Trading account gains and fees	$0	126
Additional Noninterest Income	$471,000	2,991
Total noninterest expense	$1,971,000	5,193
Salaries and employee benefits	$777,000	6,221
Premises and equipment expense	$557,000	3,060
Additional noninterest expense	$637,000	4,917
Pre-tax net operating income	$1,986,000	3,081
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$1,986,000	2,498
Extraordinary gains, net	$0	35
Net income	$1,986,000	2,498
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,271
Cash dividends	$2,994,000	758
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,986,000	2,469
2005-06-30 (YTD Data)		Rank
Total interest income	$2,545,000	5,007
Total interest expense	$477,000	6,156
Net interest income	$2,068,000	4,512
Provision for loan and lease losses	$10,000	6,110
Total noninterest income	$468,000	3,688
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$209,000	3,412
Trading account gains and fees	$0	116
Additional Noninterest Income	$259,000	3,319
Total noninterest expense	$1,249,000	5,341
Salaries and employee benefits	$509,000	6,284
Premises and equipment expense	$354,000	3,160
Additional noninterest expense	$386,000	5,204
Pre-tax net operating income	$1,277,000	3,109
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$1,277,000	2,525
Extraordinary gains, net	$0	30
Net income	$1,277,000	2,525
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	4,599
Cash dividends	$2,994,000	523
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,277,000	2,480
2005-03-31 (YTD Data)		Rank
Total interest income	$1,234,000	5,098
Total interest expense	$219,000	6,318
Net interest income	$1,015,000	4,577
Provision for loan and lease losses	$10,000	5,373
Total noninterest income	$228,000	3,678
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$99,000	3,469
Trading account gains and fees	$0	115
Additional Noninterest Income	$129,000	3,269
Total noninterest expense	$604,000	5,499
Salaries and employee benefits	$255,000	6,315
Premises and equipment expense	$173,000	3,260
Additional noninterest expense	$176,000	5,487
Pre-tax net operating income	$629,000	3,119
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$629,000	2,519
Extraordinary gains, net	$0	24
Net income	$629,000	2,520
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	3,138
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$629,000	2,481
2004-12-31 (YTD Data)		Rank
Total interest income	$4,160,000	5,436
Total interest expense	$816,000	6,205
Net interest income	$3,344,000	5,061
Provision for loan and lease losses	$47,000	6,024
Total noninterest income	$960,000	3,654
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$451,000	3,379
Trading account gains and fees	$0	138
Additional Noninterest Income	$509,000	3,275
Total noninterest expense	$2,471,000	5,357
Salaries and employee benefits	$1,090,000	6,003
Premises and equipment expense	$754,000	2,934
Additional noninterest expense	$627,000	5,845
Pre-tax net operating income	$1,786,000	3,805
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$1,786,000	3,202
Extraordinary gains, net	$0	34
Net income	$1,786,000	3,200
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	4,696
Cash dividends	$175,000	5,021
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,786,000	3,145
2004-09-30 (YTD Data)		Rank
Total interest income	$2,991,000	5,563
Total interest expense	$601,000	6,248
Net interest income	$2,390,000	5,211
Provision for loan and lease losses	$31,000	5,966
Total noninterest income	$725,000	3,645
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$343,000	3,352
Trading account gains and fees	$0	134
Additional Noninterest Income	$382,000	3,279
Total noninterest expense	$1,831,000	5,355
Salaries and employee benefits	$806,000	6,002
Premises and equipment expense	$590,000	2,821
Additional noninterest expense	$435,000	6,045
Pre-tax net operating income	$1,253,000	4,048
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$1,253,000	3,431
Extraordinary gains, net	$0	26
Net income	$1,253,000	3,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	4,426
Cash dividends	$175,000	4,140
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,253,000	3,341
2004-06-30 (YTD Data)		Rank
Total interest income	$1,900,000	5,711
Total interest expense	$397,000	6,308
Net interest income	$1,503,000	5,395
Provision for loan and lease losses	$12,000	6,242
Total noninterest income	$476,000	3,691
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$221,000	3,416
Trading account gains and fees	$0	130
Additional Noninterest Income	$255,000	3,288
Total noninterest expense	$1,182,000	5,487
Salaries and employee benefits	$540,000	6,023
Premises and equipment expense	$386,000	2,870
Additional noninterest expense	$256,000	6,464
Pre-tax net operating income	$785,000	4,156
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$785,000	3,566
Extraordinary gains, net	$0	21
Net income	$785,000	3,566
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,719
Cash dividends	$175,000	3,625
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$785,000	3,480
2004-03-31 (YTD Data)		Rank
Total interest income	$923,000	5,851
Total interest expense	$200,000	6,351
Net interest income	$723,000	5,506
Provision for loan and lease losses	$7,000	5,890
Total noninterest income	$231,000	3,697
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$105,000	3,460
Trading account gains and fees	$0	121
Additional Noninterest Income	$126,000	3,249
Total noninterest expense	$546,000	5,747
Salaries and employee benefits	$273,000	6,035
Premises and equipment expense	$195,000	2,887
Additional noninterest expense	$78,000	7,684
Pre-tax net operating income	$401,000	4,075
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$401,000	3,487
Extraordinary gains, net	$0	16
Net income	$401,000	3,486
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,876
Cash dividends	$175,000	2,333
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$401,000	3,390
2003-12-31 (YTD Data)		Rank
Total interest income	$3,745,000	5,857
Total interest expense	$967,000	6,207
Net interest income	$2,778,000	5,552
Provision for loan and lease losses	$75,000	5,722
Total noninterest income	$850,000	4,084
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$450,000	3,372
Trading account gains and fees	$0	160
Additional Noninterest Income	$400,000	3,977
Total noninterest expense	$2,532,000	5,167
Salaries and employee benefits	$1,049,000	6,095
Premises and equipment expense	$803,000	2,752
Additional noninterest expense	$680,000	5,592
Pre-tax net operating income	$1,021,000	5,116
Securities gains (losses)	$0	4,500
Applicable income taxes	$0	7,459
Income before extraordinary items	$1,021,000	4,596
Extraordinary gains, net	$0	54
Net income	$1,021,000	4,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	5,002
Cash dividends	$817,000	2,639
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,021,000	4,418
2003-09-30 (YTD Data)		Rank
Total interest income	$2,862,000	5,864
Total interest expense	$753,000	6,262
Net interest income	$2,109,000	5,548
Provision for loan and lease losses	$57,000	5,593
Total noninterest income	$620,000	4,209
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$343,000	3,338
Trading account gains and fees	$0	153
Additional Noninterest Income	$277,000	4,179
Total noninterest expense	$1,877,000	5,192
Salaries and employee benefits	$782,000	6,081
Premises and equipment expense	$597,000	2,788
Additional noninterest expense	$498,000	5,656
Pre-tax net operating income	$795,000	5,148
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$795,000	4,613
Extraordinary gains, net	$0	40
Net income	$795,000	4,613
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	4,438
Cash dividends	$372,000	3,151
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$795,000	4,436
2003-06-30 (YTD Data)		Rank
Total interest income	$1,960,000	5,816
Total interest expense	$520,000	6,270
Net interest income	$1,440,000	5,454
Provision for loan and lease losses	$39,000	5,514
Total noninterest income	$383,000	4,358
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$228,000	3,295
Trading account gains and fees	$0	150
Additional Noninterest Income	$155,000	4,517
Total noninterest expense	$1,235,000	5,233
Salaries and employee benefits	$520,000	6,123
Premises and equipment expense	$395,000	2,800
Additional noninterest expense	$320,000	5,761
Pre-tax net operating income	$549,000	5,079
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$549,000	4,548
Extraordinary gains, net	$0	30
Net income	$549,000	4,548
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	4,051
Cash dividends	$372,000	2,571
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$549,000	4,330
2003-03-31 (YTD Data)		Rank
Total interest income	$1,016,000	5,719
Total interest expense	$269,000	6,268
Net interest income	$747,000	5,330
Provision for loan and lease losses	$25,000	4,925
Total noninterest income	$192,000	4,272
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$115,000	3,184
Trading account gains and fees	$0	134
Additional Noninterest Income	$77,000	4,426
Total noninterest expense	$616,000	5,251
Salaries and employee benefits	$261,000	6,101
Premises and equipment expense	$196,000	2,805
Additional noninterest expense	$159,000	5,740
Pre-tax net operating income	$298,000	4,806
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$298,000	4,261
Extraordinary gains, net	$0	21
Net income	$298,000	4,259
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	3,174
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$298,000	4,067
2002-12-31 (YTD Data)		Rank
Total interest income	$4,574,000	5,484
Total interest expense	$1,392,000	5,948
Net interest income	$3,182,000	5,099
Provision for loan and lease losses	$79,000	6,110
Total noninterest income	$723,000	4,243
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$402,000	3,531
Trading account gains and fees	$0	153
Additional Noninterest Income	$321,000	4,108
Total noninterest expense	$3,000,000	4,458
Salaries and employee benefits	$1,194,000	5,498
Premises and equipment expense	$730,000	2,895
Additional noninterest expense	$1,076,000	3,944
Pre-tax net operating income	$826,000	5,685
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$826,000	5,109
Extraordinary gains, net	$0	70
Net income	$826,000	5,109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	5,158
Cash dividends	$1,228,000	1,911
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$826,000	4,981
2001-12-31 (YTD Data)		Rank
Total interest income	$5,901,000	5,020
Total interest expense	$2,515,000	5,378
Net interest income	$3,386,000	4,668
Provision for loan and lease losses	$38,000	7,009
Total noninterest income	$728,000	4,090
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$359,000	3,697
Trading account gains and fees	$0	177
Additional Noninterest Income	$369,000	3,715
Total noninterest expense	$2,354,000	5,165
Salaries and employee benefits	$1,020,000	5,911
Premises and equipment expense	$513,000	3,787
Additional noninterest expense	$821,000	4,704
Pre-tax net operating income	$1,722,000	3,522
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$1,722,000	2,900
Extraordinary gains, net	$0	105
Net income	$1,722,000	2,903
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,448
Cash dividends	$1,496,000	1,684
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,722,000	2,810
2000-12-31 (YTD Data)		Rank
Total interest income	$6,522,000	4,827
Total interest expense	$2,700,000	5,306
Net interest income	$3,822,000	4,330
Provision for loan and lease losses	$44,000	6,751
Total noninterest income	$713,000	3,948
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$330,000	3,772
Trading account gains and fees	NA	NA
Additional Noninterest Income	$383,000	3,453
Total noninterest expense	$2,185,000	5,359
Salaries and employee benefits	$940,000	6,163
Premises and equipment expense	$454,000	4,105
Additional noninterest expense	$791,000	4,780
Pre-tax net operating income	$2,306,000	2,966
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$2,306,000	2,234
Extraordinary gains, net	$0	38
Net income	$2,306,000	2,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	4,349
Cash dividends	$1,704,000	1,513
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,306,000	2,244
1999-12-31 (YTD Data)		Rank
Total interest income	$5,725,000	5,110
Total interest expense	$2,403,000	5,331
Net interest income	$3,322,000	4,805
Provision for loan and lease losses	$297,000	2,712
Total noninterest income	$666,000	4,130
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$335,000	3,674
Trading account gains and fees	NA	NA
Additional Noninterest Income	$331,000	3,796
Total noninterest expense	$2,154,000	5,393
Salaries and employee benefits	$907,000	6,272
Premises and equipment expense	$477,000	3,928
Additional noninterest expense	$770,000	4,929
Pre-tax net operating income	$1,537,000	4,022
Securities gains (losses)	$6,000	2,044
Applicable income taxes	$0	8,765
Income before extraordinary items	$1,543,000	3,168
Extraordinary gains, net	$0	35
Net income	$1,543,000	3,169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	5,586
Cash dividends	$1,623,000	1,586
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,537,000	3,142
1998-12-31 (YTD Data)		Rank
Total interest income	$5,822,000	5,115
Total interest expense	$2,667,000	5,144
Net interest income	$3,155,000	4,964
Provision for loan and lease losses	$90,000	5,311
Total noninterest income	$605,000	4,366
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$268,000	4,279
Trading account gains and fees	NA	NA
Additional Noninterest Income	$337,000	3,775
Total noninterest expense	$2,213,000	5,194
Salaries and employee benefits	$821,000	6,593
Premises and equipment expense	$553,000	3,415
Additional noninterest expense	$839,000	4,525
Pre-tax net operating income	$1,457,000	4,268
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$1,457,000	3,333
Extraordinary gains, net	$0	32
Net income	$1,457,000	3,334
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,077
Cash dividends	$600,000	3,104
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,457,000	3,245
1997-12-31 (YTD Data)		Rank
Total interest income	$5,638,000	5,304
Total interest expense	$2,431,000	5,519
Net interest income	$3,207,000	5,047
Provision for loan and lease losses	$0	8,829
Total noninterest income	$418,000	5,587
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$276,000	4,331
Trading account gains and fees	NA	NA
Additional Noninterest Income	$142,000	5,840
Total noninterest expense	$2,072,000	5,516
Salaries and employee benefits	$875,000	6,413
Premises and equipment expense	$429,000	4,199
Additional noninterest expense	$768,000	4,874
Pre-tax net operating income	$1,553,000	4,362
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$1,553,000	3,268
Extraordinary gains, net	$0	44
Net income	$1,553,000	3,268
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	5,126
Cash dividends	$1,165,000	1,937
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,553,000	3,189
1996-12-31 (YTD Data)		Rank
Total interest income	$5,148,000	5,815
Total interest expense	$2,360,000	5,735
Net interest income	$2,788,000	5,749
Provision for loan and lease losses	$0	9,041
Total noninterest income	$423,000	5,771
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$290,000	4,333
Trading account gains and fees	NA	NA
Additional Noninterest Income	$133,000	6,311
Total noninterest expense	$1,947,000	6,044
Salaries and employee benefits	$900,000	6,466
Premises and equipment expense	$373,000	4,796
Additional noninterest expense	$674,000	5,891
Pre-tax net operating income	$1,264,000	4,942
Securities gains (losses)	$0	4,148
Applicable income taxes	$206,000	7,049
Income before extraordinary items	$1,058,000	4,277
Extraordinary gains, net	$0	53
Net income	$1,058,000	4,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,548
Cash dividends	$200,000	5,388
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,058,000	4,224
1995-12-31 (YTD Data)		Rank
Total interest income	$4,515,000	6,440
Total interest expense	$2,230,000	6,025
Net interest income	$2,285,000	6,716
Provision for loan and lease losses	$38,000	6,705
Total noninterest income	$340,000	6,600
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$264,000	4,757
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	8,106
Total noninterest expense	$1,879,000	6,279
Salaries and employee benefits	$844,000	6,862
Premises and equipment expense	$357,000	4,955
Additional noninterest expense	$678,000	6,007
Pre-tax net operating income	$708,000	7,286
Securities gains (losses)	$0	3,831
Applicable income taxes	$235,000	6,877
Income before extraordinary items	$473,000	7,458
Extraordinary gains, net	$0	65
Net income	$473,000	7,458
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-80,000	11,651
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$473,000	7,424
1994-12-31 (YTD Data)		Rank
Total interest income	$3,875,000	6,861
Total interest expense	$1,758,000	6,183
Net interest income	$2,117,000	7,279
Provision for loan and lease losses	$32,000	7,014
Total noninterest income	$320,000	6,998
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$245,000	5,117
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	8,448
Total noninterest expense	$1,808,000	6,669
Salaries and employee benefits	$828,000	7,058
Premises and equipment expense	$340,000	5,181
Additional noninterest expense	$640,000	6,737
Pre-tax net operating income	$597,000	8,018
Securities gains (losses)	$0	3,600
Applicable income taxes	$202,000	7,307
Income before extraordinary items	$395,000	8,235
Extraordinary gains, net	$0	249
Net income	$395,000	8,237
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,934
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$5,000,000	171
Net operating income	$395,000	8,281

* 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.