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Home Savings Bank, Income and Expense

2019-12-31 (YTD Data)		Rank
Total interest income	$117,236,000	324
Total interest expense	$30,183,000	289
Net interest income	$87,053,000	342
Provision for loan and lease losses	$306,000	1,930
Total noninterest income	$23,663,000	382
Gross Fiduciary activities income	$1,788,000	368
Service charges on deposit accounts	$9,265,000	180
Trading account gains and fees	$0	135
Additional Noninterest Income	$12,610,000	446
Total noninterest expense	$64,297,000	367
Salaries and employee benefits	$36,764,000	365
Premises and equipment expense	$7,577,000	364
Additional noninterest expense	$19,956,000	380
Pre-tax net operating income	$46,113,000	332
Securities gains (losses)	$572,000	325
Applicable income taxes	$8,887,000	337
Income before extraordinary items	$37,798,000	336
Extraordinary gains, net	$0	11
Net income	$37,798,000	337
Minority interest net income	$0	76
Net income of bank and minority interests.	$37,798,000	337
Net charge-offs	$1,453,000	520
Cash dividends	$29,000,000	241
Sale, conversion, retirement of capital stock, net	$1,216,000	193
Net operating income	$37,334,680	331
2019-09-30 (YTD Data)		Rank
Total interest income	$88,315,000	332
Total interest expense	$22,931,000	294
Net interest income	$65,384,000	349
Provision for loan and lease losses	$721,000	884
Total noninterest income	$17,518,000	384
Gross Fiduciary activities income	$1,360,000	366
Service charges on deposit accounts	$6,897,000	180
Trading account gains and fees	$0	129
Additional Noninterest Income	$9,261,000	455
Total noninterest expense	$47,837,000	373
Salaries and employee benefits	$27,738,000	364
Premises and equipment expense	$5,681,000	364
Additional noninterest expense	$14,418,000	386
Pre-tax net operating income	$34,344,000	335
Securities gains (losses)	$523,000	305
Applicable income taxes	$6,502,000	351
Income before extraordinary items	$28,365,000	332
Extraordinary gains, net	$0	11
Net income	$28,365,000	333
Minority interest net income	$0	72
Net income of bank and minority interests.	$28,365,000	333
Net charge-offs	$1,168,000	449
Cash dividends	$26,000,000	210
Sale, conversion, retirement of capital stock, net	$984,000	171
Net operating income	$27,941,370	332
2019-06-30 (YTD Data)		Rank
Total interest income	$58,913,000	332
Total interest expense	$14,972,000	298
Net interest income	$43,941,000	347
Provision for loan and lease losses	$20,000	3,272
Total noninterest income	$11,118,000	386
Gross Fiduciary activities income	$926,000	365
Service charges on deposit accounts	$4,550,000	178
Trading account gains and fees	$0	131
Additional Noninterest Income	$5,642,000	472
Total noninterest expense	$33,073,000	367
Salaries and employee benefits	$19,135,000	355
Premises and equipment expense	$3,786,000	369
Additional noninterest expense	$10,152,000	380
Pre-tax net operating income	$21,966,000	337
Securities gains (losses)	$399,000	258
Applicable income taxes	$4,145,000	357
Income before extraordinary items	$18,220,000	342
Extraordinary gains, net	$0	11
Net income	$18,220,000	343
Minority interest net income	$0	69
Net income of bank and minority interests.	$18,220,000	343
Net charge-offs	$-28,000	4,765
Cash dividends	$11,000,000	261
Sale, conversion, retirement of capital stock, net	$824,000	138
Net operating income	$17,896,810	340
2019-03-31 (YTD Data)		Rank
Total interest income	$29,251,000	329
Total interest expense	$7,215,000	301
Net interest income	$22,036,000	347
Provision for loan and lease losses	$63,000	1,855
Total noninterest income	$5,179,000	391
Gross Fiduciary activities income	$466,000	359
Service charges on deposit accounts	$2,105,000	189
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,608,000	486
Total noninterest expense	$17,363,000	354
Salaries and employee benefits	$10,289,000	337
Premises and equipment expense	$1,901,000	368
Additional noninterest expense	$5,173,000	376
Pre-tax net operating income	$9,789,000	354
Securities gains (losses)	$211,000	194
Applicable income taxes	$1,844,000	379
Income before extraordinary items	$8,156,000	353
Extraordinary gains, net	$0	5
Net income	$8,156,000	353
Minority interest net income	$0	52
Net income of bank and minority interests.	$8,156,000	353
Net charge-offs	$58,000	1,135
Cash dividends	$11,000,000	171
Sale, conversion, retirement of capital stock, net	$668,000	86
Net operating income	$7,982,980	347
2018-12-31 (YTD Data)		Rank
Total interest income	$110,069,000	333
Total interest expense	$22,628,000	283
Net interest income	$87,441,000	353
Provision for loan and lease losses	$697,000	1,164
Total noninterest income	$21,346,000	397
Gross Fiduciary activities income	$1,905,000	358
Service charges on deposit accounts	$9,216,000	180
Trading account gains and fees	$0	126
Additional Noninterest Income	$10,225,000	494
Total noninterest expense	$64,022,000	378
Salaries and employee benefits	$35,797,000	372
Premises and equipment expense	$7,317,000	378
Additional noninterest expense	$20,908,000	375
Pre-tax net operating income	$44,068,000	342
Securities gains (losses)	$42,000	452
Applicable income taxes	$8,388,000	344
Income before extraordinary items	$35,722,000	343
Extraordinary gains, net	$0	6
Net income	$35,722,000	343
Minority interest net income	$0	72
Net income of bank and minority interests.	$35,722,000	343
Net charge-offs	$1,459,000	442
Cash dividends	$29,600,000	217
Sale, conversion, retirement of capital stock, net	$1,141,000	215
Net operating income	$35,687,980	344
2018-09-30 (YTD Data)		Rank
Total interest income	$80,021,000	338
Total interest expense	$15,951,000	282
Net interest income	$64,070,000	355
Provision for loan and lease losses	$504,000	1,120
Total noninterest income	$15,997,000	396
Gross Fiduciary activities income	$1,425,000	360
Service charges on deposit accounts	$6,835,000	180
Trading account gains and fees	$0	138
Additional Noninterest Income	$7,737,000	497
Total noninterest expense	$47,056,000	385
Salaries and employee benefits	$26,763,000	376
Premises and equipment expense	$5,449,000	380
Additional noninterest expense	$14,844,000	383
Pre-tax net operating income	$32,507,000	342
Securities gains (losses)	$233,000	193
Applicable income taxes	$6,220,000	353
Income before extraordinary items	$26,520,000	348
Extraordinary gains, net	$0	5
Net income	$26,520,000	347
Minority interest net income	$0	66
Net income of bank and minority interests.	$26,520,000	348
Net charge-offs	$391,000	836
Cash dividends	$25,600,000	181
Sale, conversion, retirement of capital stock, net	$1,059,000	177
Net operating income	$26,331,270	345
2018-06-30 (YTD Data)		Rank
Total interest income	$52,475,000	340
Total interest expense	$9,884,000	276
Net interest income	$42,591,000	357
Provision for loan and lease losses	$254,000	1,326
Total noninterest income	$10,384,000	405
Gross Fiduciary activities income	$942,000	362
Service charges on deposit accounts	$4,528,000	176
Trading account gains and fees	$0	130
Additional Noninterest Income	$4,914,000	512
Total noninterest expense	$31,659,000	385
Salaries and employee benefits	$18,159,000	369
Premises and equipment expense	$3,563,000	389
Additional noninterest expense	$9,937,000	381
Pre-tax net operating income	$21,062,000	340
Securities gains (losses)	$233,000	156
Applicable income taxes	$3,995,000	352
Income before extraordinary items	$17,300,000	338
Extraordinary gains, net	$0	6
Net income	$17,300,000	338
Minority interest net income	$0	65
Net income of bank and minority interests.	$17,300,000	338
Net charge-offs	$67,000	1,566
Cash dividends	$16,400,000	176
Sale, conversion, retirement of capital stock, net	$814,000	149
Net operating income	$17,111,270	340
2018-03-31 (YTD Data)		Rank
Total interest income	$25,951,000	344
Total interest expense	$4,518,000	285
Net interest income	$21,433,000	357
Provision for loan and lease losses	$407,000	545
Total noninterest income	$5,133,000	405
Gross Fiduciary activities income	$469,000	362
Service charges on deposit accounts	$2,112,000	185
Trading account gains and fees	$0	123
Additional Noninterest Income	$2,552,000	484
Total noninterest expense	$16,365,000	369
Salaries and employee benefits	$9,611,000	352
Premises and equipment expense	$1,830,000	381
Additional noninterest expense	$4,924,000	377
Pre-tax net operating income	$9,794,000	351
Securities gains (losses)	$139,000	139
Applicable income taxes	$1,783,000	379
Income before extraordinary items	$8,150,000	344
Extraordinary gains, net	$0	7
Net income	$8,150,000	344
Minority interest net income	$0	52
Net income of bank and minority interests.	$8,150,000	344
Net charge-offs	$0	2,722
Cash dividends	$7,200,000	166
Sale, conversion, retirement of capital stock, net	$582,000	106
Net operating income	$8,036,020	349
2017-12-31 (YTD Data)		Rank
Total interest income	$93,337,000	350
Total interest expense	$13,155,000	315
Net interest income	$80,182,000	354
Provision for loan and lease losses	$4,225,000	280
Total noninterest income	$22,730,000	383
Gross Fiduciary activities income	$1,617,000	377
Service charges on deposit accounts	$9,251,000	175
Trading account gains and fees	$0	151
Additional Noninterest Income	$11,862,000	466
Total noninterest expense	$66,465,000	360
Salaries and employee benefits	$33,764,000	385
Premises and equipment expense	$7,972,000	352
Additional noninterest expense	$24,729,000	318
Pre-tax net operating income	$32,222,000	381
Securities gains (losses)	$566,000	208
Applicable income taxes	$11,484,000	368
Income before extraordinary items	$21,304,000	387
Extraordinary gains, net	$0	9
Net income	$21,304,000	387
Minority interest net income	$0	76
Net income of bank and minority interests.	$21,304,000	387
Net charge-offs	$2,137,000	383
Cash dividends	$15,000,000	282
Sale, conversion, retirement of capital stock, net	$1,484,000	192
Net operating income	$20,936,100	389
2017-09-30 (YTD Data)		Rank
Total interest income	$68,560,000	353
Total interest expense	$9,187,000	317
Net interest income	$59,373,000	359
Provision for loan and lease losses	$3,031,000	281
Total noninterest income	$16,822,000	387
Gross Fiduciary activities income	$1,151,000	384
Service charges on deposit accounts	$6,958,000	175
Trading account gains and fees	$0	145
Additional Noninterest Income	$8,713,000	467
Total noninterest expense	$49,296,000	363
Salaries and employee benefits	$25,559,000	384
Premises and equipment expense	$5,926,000	357
Additional noninterest expense	$17,811,000	328
Pre-tax net operating income	$23,868,000	397
Securities gains (losses)	$566,000	193
Applicable income taxes	$7,201,000	379
Income before extraordinary items	$17,233,000	403
Extraordinary gains, net	$0	9
Net income	$17,233,000	402
Minority interest net income	$0	71
Net income of bank and minority interests.	$17,233,000	403
Net charge-offs	$1,570,000	361
Cash dividends	$15,000,000	215
Sale, conversion, retirement of capital stock, net	$1,246,000	175
Net operating income	$16,831,140	404
2017-06-30 (YTD Data)		Rank
Total interest income	$44,549,000	359
Total interest expense	$5,643,000	324
Net interest income	$38,906,000	363
Provision for loan and lease losses	$2,318,000	252
Total noninterest income	$11,205,000	389
Gross Fiduciary activities income	$702,000	400
Service charges on deposit accounts	$4,657,000	172
Trading account gains and fees	$0	139
Additional Noninterest Income	$5,846,000	470
Total noninterest expense	$34,156,000	354
Salaries and employee benefits	$17,070,000	383
Premises and equipment expense	$3,851,000	360
Additional noninterest expense	$13,235,000	303
Pre-tax net operating income	$13,637,000	434
Securities gains (losses)	$330,000	201
Applicable income taxes	$4,069,000	415
Income before extraordinary items	$9,898,000	445
Extraordinary gains, net	$0	11
Net income	$9,898,000	445
Minority interest net income	$0	71
Net income of bank and minority interests.	$9,898,000	445
Net charge-offs	$1,745,000	243
Cash dividends	$15,000,000	160
Sale, conversion, retirement of capital stock, net	$1,023,000	134
Net operating income	$9,663,700	447
2017-03-31 (YTD Data)		Rank
Total interest income	$21,028,000	373
Total interest expense	$2,583,000	326
Net interest income	$18,445,000	375
Provision for loan and lease losses	$1,474,000	216
Total noninterest income	$4,870,000	438
Gross Fiduciary activities income	$282,000	445
Service charges on deposit accounts	$2,072,000	181
Trading account gains and fees	$0	142
Additional Noninterest Income	$2,516,000	510
Total noninterest expense	$19,507,000	320
Salaries and employee benefits	$8,713,000	380
Premises and equipment expense	$1,096,000	582
Additional noninterest expense	$9,698,000	232
Pre-tax net operating income	$2,334,000	1,030
Securities gains (losses)	$29,000	443
Applicable income taxes	$639,000	914
Income before extraordinary items	$1,724,000	1,087
Extraordinary gains, net	$0	8
Net income	$1,724,000	1,086
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,724,000	1,087
Net charge-offs	$1,591,000	163
Cash dividends	$15,000,000	91
Sale, conversion, retirement of capital stock, net	$854,000	91
Net operating income	$1,702,830	1,075
2016-12-31 (YTD Data)		Rank
Total interest income	$11,456,000	2,151
Total interest expense	$1,763,000	1,565
Net interest income	$9,693,000	2,246
Provision for loan and lease losses	$632,000	1,263
Total noninterest income	$2,494,000	1,853
Gross Fiduciary activities income	$1,452,000	391
Service charges on deposit accounts	$256,000	3,228
Trading account gains and fees	$0	170
Additional Noninterest Income	$786,000	2,681
Total noninterest expense	$8,926,000	2,105
Salaries and employee benefits	$5,331,000	1,995
Premises and equipment expense	$832,000	2,426
Additional noninterest expense	$2,763,000	2,117
Pre-tax net operating income	$2,629,000	2,601
Securities gains (losses)	$0	3,212
Applicable income taxes	$961,000	1,684
Income before extraordinary items	$1,668,000	3,094
Extraordinary gains, net	$0	5
Net income	$1,668,000	3,093
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,668,000	3,093
Net charge-offs	$329,000	1,442
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$85,000	515
Net operating income	$1,668,000	3,041
2016-09-30 (YTD Data)		Rank
Total interest income	$8,495,000	2,173
Total interest expense	$1,306,000	1,582
Net interest income	$7,189,000	2,267
Provision for loan and lease losses	$233,000	1,880
Total noninterest income	$1,833,000	1,880
Gross Fiduciary activities income	$1,042,000	404
Service charges on deposit accounts	$192,000	3,244
Trading account gains and fees	$0	169
Additional Noninterest Income	$599,000	2,660
Total noninterest expense	$6,644,000	2,107
Salaries and employee benefits	$3,967,000	2,000
Premises and equipment expense	$631,000	2,415
Additional noninterest expense	$2,046,000	2,141
Pre-tax net operating income	$2,145,000	2,507
Securities gains (losses)	$0	3,160
Applicable income taxes	$770,000	1,657
Income before extraordinary items	$1,375,000	2,954
Extraordinary gains, net	$0	5
Net income	$1,375,000	2,954
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,375,000	2,954
Net charge-offs	$-21,000	5,114
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$45,000	524
Net operating income	$1,375,000	2,902
2016-06-30 (YTD Data)		Rank
Total interest income	$5,568,000	2,208
Total interest expense	$851,000	1,615
Net interest income	$4,717,000	2,307
Provision for loan and lease losses	$108,000	2,239
Total noninterest income	$1,138,000	1,941
Gross Fiduciary activities income	$662,000	414
Service charges on deposit accounts	$124,000	3,286
Trading account gains and fees	$0	157
Additional Noninterest Income	$352,000	2,829
Total noninterest expense	$4,382,000	2,135
Salaries and employee benefits	$2,600,000	2,032
Premises and equipment expense	$421,000	2,419
Additional noninterest expense	$1,361,000	2,161
Pre-tax net operating income	$1,365,000	2,549
Securities gains (losses)	$0	2,835
Applicable income taxes	$489,000	1,678
Income before extraordinary items	$876,000	3,014
Extraordinary gains, net	$0	16
Net income	$876,000	3,012
Minority interest net income	$0	71
Net income of bank and minority interests.	$876,000	3,013
Net charge-offs	$-6,000	4,802
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$30,000	510
Net operating income	$876,000	2,957
2016-03-31 (YTD Data)		Rank
Total interest income	$2,751,000	2,235
Total interest expense	$415,000	1,647
Net interest income	$2,336,000	2,315
Provision for loan and lease losses	$0	3,656
Total noninterest income	$448,000	2,218
Gross Fiduciary activities income	$312,000	426
Service charges on deposit accounts	$59,000	3,355
Trading account gains and fees	$0	142
Additional Noninterest Income	$77,000	3,910
Total noninterest expense	$2,178,000	2,165
Salaries and employee benefits	$1,263,000	2,089
Premises and equipment expense	$216,000	2,416
Additional noninterest expense	$699,000	2,090
Pre-tax net operating income	$606,000	2,724
Securities gains (losses)	$0	2,077
Applicable income taxes	$218,000	1,761
Income before extraordinary items	$388,000	3,183
Extraordinary gains, net	$0	12
Net income	$388,000	3,181
Minority interest net income	$0	62
Net income of bank and minority interests.	$388,000	3,182
Net charge-offs	$-22,000	5,496
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$15,000	478
Net operating income	$388,000	3,126
2015-12-31 (YTD Data)		Rank
Total interest income	$10,317,000	2,309
Total interest expense	$1,436,000	1,835
Net interest income	$8,881,000	2,371
Provision for loan and lease losses	$512,000	1,322
Total noninterest income	$1,903,000	2,176
Gross Fiduciary activities income	$1,253,000	424
Service charges on deposit accounts	$321,000	2,898
Trading account gains and fees	$0	159
Additional Noninterest Income	$329,000	3,857
Total noninterest expense	$8,326,000	2,215
Salaries and employee benefits	$4,896,000	2,094
Premises and equipment expense	$825,000	2,496
Additional noninterest expense	$2,605,000	2,254
Pre-tax net operating income	$1,946,000	3,060
Securities gains (losses)	$-19,000	5,938
Applicable income taxes	$696,000	1,920
Income before extraordinary items	$1,231,000	3,586
Extraordinary gains, net	$0	23
Net income	$1,231,000	3,584
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,231,000	3,586
Net charge-offs	$534,000	1,115
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$56,000	590
Net operating income	$1,243,160	3,522
2015-09-30 (YTD Data)		Rank
Total interest income	$7,634,000	2,351
Total interest expense	$1,031,000	1,926
Net interest income	$6,603,000	2,402
Provision for loan and lease losses	$345,000	1,397
Total noninterest income	$1,509,000	2,125
Gross Fiduciary activities income	$904,000	432
Service charges on deposit accounts	$247,000	2,870
Trading account gains and fees	$0	153
Additional Noninterest Income	$358,000	3,367
Total noninterest expense	$6,204,000	2,230
Salaries and employee benefits	$3,679,000	2,095
Premises and equipment expense	$623,000	2,515
Additional noninterest expense	$1,902,000	2,309
Pre-tax net operating income	$1,563,000	3,000
Securities gains (losses)	$-19,000	6,059
Applicable income taxes	$551,000	1,927
Income before extraordinary items	$993,000	3,513
Extraordinary gains, net	$0	21
Net income	$993,000	3,511
Minority interest net income	$0	78
Net income of bank and minority interests.	$993,000	3,512
Net charge-offs	$33,000	3,062
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$41,000	562
Net operating income	$1,005,160	3,435
2015-06-30 (YTD Data)		Rank
Total interest income	$4,964,000	2,402
Total interest expense	$651,000	2,009
Net interest income	$4,313,000	2,438
Provision for loan and lease losses	$66,000	2,603
Total noninterest income	$970,000	2,178
Gross Fiduciary activities income	$592,000	437
Service charges on deposit accounts	$179,000	2,710
Trading account gains and fees	$0	157
Additional Noninterest Income	$199,000	3,644
Total noninterest expense	$4,088,000	2,255
Salaries and employee benefits	$2,440,000	2,116
Premises and equipment expense	$419,000	2,505
Additional noninterest expense	$1,229,000	2,383
Pre-tax net operating income	$1,129,000	2,855
Securities gains (losses)	$-18,000	6,168
Applicable income taxes	$391,000	1,869
Income before extraordinary items	$720,000	3,362
Extraordinary gains, net	$0	22
Net income	$720,000	3,362
Minority interest net income	$0	75
Net income of bank and minority interests.	$720,000	3,363
Net charge-offs	$1,000	3,770
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$26,000	547
Net operating income	$731,700	3,265
2015-03-31 (YTD Data)		Rank
Total interest income	$2,441,000	2,433
Total interest expense	$305,000	2,142
Net interest income	$2,136,000	2,458
Provision for loan and lease losses	$13,000	3,153
Total noninterest income	$513,000	2,065
Gross Fiduciary activities income	$289,000	446
Service charges on deposit accounts	$72,000	3,080
Trading account gains and fees	$0	152
Additional Noninterest Income	$152,000	3,001
Total noninterest expense	$2,035,000	2,274
Salaries and employee benefits	$1,199,000	2,156
Premises and equipment expense	$221,000	2,448
Additional noninterest expense	$615,000	2,366
Pre-tax net operating income	$601,000	2,686
Securities gains (losses)	$-19,000	6,294
Applicable income taxes	$200,000	1,823
Income before extraordinary items	$382,000	3,211
Extraordinary gains, net	$0	13
Net income	$382,000	3,214
Minority interest net income	$0	64
Net income of bank and minority interests.	$382,000	3,214
Net charge-offs	$-39,000	5,879
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$10,000	555
Net operating income	$394,540	3,077
2014-12-31 (YTD Data)		Rank
Total interest income	$9,129,000	2,610
Total interest expense	$1,153,000	2,332
Net interest income	$7,976,000	2,626
Provision for loan and lease losses	$78,000	3,432
Total noninterest income	$1,732,000	2,312
Gross Fiduciary activities income	$1,044,000	459
Service charges on deposit accounts	$228,000	3,703
Trading account gains and fees	$0	180
Additional Noninterest Income	$460,000	3,381
Total noninterest expense	$8,228,000	2,273
Salaries and employee benefits	$4,922,000	2,078
Premises and equipment expense	$843,000	2,558
Additional noninterest expense	$2,463,000	2,442
Pre-tax net operating income	$1,402,000	3,605
Securities gains (losses)	$69,000	1,510
Applicable income taxes	$-2,933,000	6,464
Income before extraordinary items	$4,404,000	1,462
Extraordinary gains, net	$0	17
Net income	$4,404,000	1,460
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,404,000	1,461
Net charge-offs	$-69,000	6,068
Cash dividends	$5,000	4,345
Sale, conversion, retirement of capital stock, net	$280,000	384
Net operating income	$4,335,000	1,456
2014-09-30 (YTD Data)		Rank
Total interest income	$6,741,000	2,661
Total interest expense	$848,000	2,399
Net interest income	$5,893,000	2,675
Provision for loan and lease losses	$15,000	4,038
Total noninterest income	$1,164,000	2,493
Gross Fiduciary activities income	$771,000	462
Service charges on deposit accounts	$160,000	3,851
Trading account gains and fees	$0	174
Additional Noninterest Income	$233,000	4,002
Total noninterest expense	$5,912,000	2,350
Salaries and employee benefits	$3,457,000	2,211
Premises and equipment expense	$638,000	2,573
Additional noninterest expense	$1,817,000	2,484
Pre-tax net operating income	$1,130,000	3,559
Securities gains (losses)	$0	2,980
Applicable income taxes	$-3,093,000	6,566
Income before extraordinary items	$4,223,000	1,174
Extraordinary gains, net	$0	15
Net income	$4,223,000	1,172
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,223,000	1,173
Net charge-offs	$-101,000	6,212
Cash dividends	$5,000	3,831
Sale, conversion, retirement of capital stock, net	$141,000	404
Net operating income	$4,223,000	1,150
2014-06-30 (YTD Data)		Rank
Total interest income	$4,414,000	2,704
Total interest expense	$551,000	2,476
Net interest income	$3,863,000	2,716
Provision for loan and lease losses	$-50,000	6,289
Total noninterest income	$690,000	2,626
Gross Fiduciary activities income	$509,000	463
Service charges on deposit accounts	$99,000	3,965
Trading account gains and fees	$0	172
Additional Noninterest Income	$82,000	4,810
Total noninterest expense	$3,836,000	2,411
Salaries and employee benefits	$2,229,000	2,281
Premises and equipment expense	$425,000	2,588
Additional noninterest expense	$1,182,000	2,529
Pre-tax net operating income	$767,000	3,460
Securities gains (losses)	$0	2,580
Applicable income taxes	$-3,229,000	6,641
Income before extraordinary items	$3,996,000	814
Extraordinary gains, net	$0	20
Net income	$3,996,000	815
Minority interest net income	$0	80
Net income of bank and minority interests.	$3,996,000	814
Net charge-offs	$-71,000	6,245
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$94,000	392
Net operating income	$3,996,000	798
2014-03-31 (YTD Data)		Rank
Total interest income	$2,152,000	2,756
Total interest expense	$270,000	2,532
Net interest income	$1,882,000	2,778
Provision for loan and lease losses	$57,000	2,149
Total noninterest income	$388,000	2,419
Gross Fiduciary activities income	$253,000	469
Service charges on deposit accounts	$44,000	4,152
Trading account gains and fees	$0	147
Additional Noninterest Income	$91,000	3,710
Total noninterest expense	$1,918,000	2,434
Salaries and employee benefits	$1,127,000	2,265
Premises and equipment expense	$220,000	2,565
Additional noninterest expense	$571,000	2,599
Pre-tax net operating income	$295,000	3,850
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$295,000	3,578
Extraordinary gains, net	$0	16
Net income	$295,000	3,581
Minority interest net income	$0	66
Net income of bank and minority interests.	$295,000	3,581
Net charge-offs	$-34,000	6,203
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$498,000	103
Net operating income	$295,000	3,529
2013-12-31 (YTD Data)		Rank
Total interest income	$7,748,000	3,013
Total interest expense	$936,000	3,098
Net interest income	$6,812,000	2,964
Provision for loan and lease losses	$277,000	2,553
Total noninterest income	$1,551,000	2,532
Gross Fiduciary activities income	$920,000	472
Service charges on deposit accounts	$188,000	4,203
Trading account gains and fees	$0	184
Additional Noninterest Income	$443,000	3,520
Total noninterest expense	$7,493,000	2,479
Salaries and employee benefits	$4,382,000	2,294
Premises and equipment expense	$797,000	2,712
Additional noninterest expense	$2,314,000	2,650
Pre-tax net operating income	$593,000	4,815
Securities gains (losses)	$559,000	408
Applicable income taxes	$75,000	3,571
Income before extraordinary items	$1,077,000	3,757
Extraordinary gains, net	$0	29
Net income	$1,077,000	3,761
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,077,000	3,761
Net charge-offs	$126,000	3,507
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$3,697,000	105
Net operating income	$557,130	4,688
2013-09-30 (YTD Data)		Rank
Total interest income	$5,617,000	3,110
Total interest expense	$667,000	3,291
Net interest income	$4,950,000	3,055
Provision for loan and lease losses	$169,000	2,814
Total noninterest income	$1,168,000	2,573
Gross Fiduciary activities income	$662,000	481
Service charges on deposit accounts	$138,000	4,265
Trading account gains and fees	$0	180
Additional Noninterest Income	$368,000	3,437
Total noninterest expense	$5,537,000	2,510
Salaries and employee benefits	$3,195,000	2,354
Premises and equipment expense	$593,000	2,749
Additional noninterest expense	$1,749,000	2,622
Pre-tax net operating income	$412,000	4,984
Securities gains (losses)	$383,000	524
Applicable income taxes	$39,000	3,831
Income before extraordinary items	$756,000	3,924
Extraordinary gains, net	$0	25
Net income	$756,000	3,926
Minority interest net income	$0	84
Net income of bank and minority interests.	$756,000	3,927
Net charge-offs	$49,000	3,878
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$3,148,000	86
Net operating income	$392,150	4,846
2013-06-30 (YTD Data)		Rank
Total interest income	$3,535,000	3,256
Total interest expense	$408,000	3,550
Net interest income	$3,127,000	3,184
Provision for loan and lease losses	$139,000	2,579
Total noninterest income	$662,000	2,864
Gross Fiduciary activities income	$432,000	484
Service charges on deposit accounts	$93,000	4,242
Trading account gains and fees	$0	157
Additional Noninterest Income	$137,000	4,329
Total noninterest expense	$3,526,000	2,620
Salaries and employee benefits	$2,003,000	2,496
Premises and equipment expense	$393,000	2,783
Additional noninterest expense	$1,130,000	2,674
Pre-tax net operating income	$124,000	5,716
Securities gains (losses)	$210,000	724
Applicable income taxes	$11,000	4,162
Income before extraordinary items	$323,000	4,624
Extraordinary gains, net	$0	22
Net income	$323,000	4,626
Minority interest net income	$0	82
Net income of bank and minority interests.	$323,000	4,627
Net charge-offs	$24,000	3,889
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$3,098,000	58
Net operating income	$119,300	5,636
2013-03-31 (YTD Data)		Rank
Total interest income	$1,704,000	3,382
Total interest expense	$196,000	3,719
Net interest income	$1,508,000	3,284
Provision for loan and lease losses	$71,000	2,498
Total noninterest income	$332,000	2,855
Gross Fiduciary activities income	$212,000	501
Service charges on deposit accounts	$46,000	4,247
Trading account gains and fees	$0	148
Additional Noninterest Income	$74,000	4,206
Total noninterest expense	$1,698,000	2,733
Salaries and employee benefits	$957,000	2,615
Premises and equipment expense	$197,000	2,795
Additional noninterest expense	$544,000	2,766
Pre-tax net operating income	$71,000	5,613
Securities gains (losses)	$23,000	1,213
Applicable income taxes	$0	4,602
Income before extraordinary items	$94,000	5,323
Extraordinary gains, net	$0	10
Net income	$94,000	5,325
Minority interest net income	$0	76
Net income of bank and minority interests.	$94,000	5,325
Net charge-offs	$-6,000	5,985
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$49,000	337
Net operating income	$71,000	5,495
2012-12-31 (YTD Data)		Rank
Total interest income	$6,328,000	3,691
Total interest expense	$685,000	4,461
Net interest income	$5,643,000	3,518
Provision for loan and lease losses	$13,000	5,697
Total noninterest income	$1,187,000	2,984
Gross Fiduciary activities income	$807,000	502
Service charges on deposit accounts	$165,000	4,607
Trading account gains and fees	$0	166
Additional Noninterest Income	$215,000	4,506
Total noninterest expense	$6,646,000	2,791
Salaries and employee benefits	$3,659,000	2,668
Premises and equipment expense	$743,000	2,895
Additional noninterest expense	$2,244,000	2,818
Pre-tax net operating income	$171,000	5,745
Securities gains (losses)	$55,000	2,669
Applicable income taxes	$25,000	4,128
Income before extraordinary items	$201,000	5,794
Extraordinary gains, net	$0	29
Net income	$201,000	5,792
Minority interest net income	$0	93
Net income of bank and minority interests.	$201,000	5,793
Net charge-offs	$149,000	4,059
Cash dividends	$100,000	3,971
Sale, conversion, retirement of capital stock, net	$198,000	444
Net operating income	$152,050	5,761
2012-09-30 (YTD Data)		Rank
Total interest income	$4,628,000	3,820
Total interest expense	$496,000	4,662
Net interest income	$4,132,000	3,637
Provision for loan and lease losses	$110,000	4,250
Total noninterest income	$928,000	2,926
Gross Fiduciary activities income	$605,000	498
Service charges on deposit accounts	$123,000	4,678
Trading account gains and fees	$0	157
Additional Noninterest Income	$200,000	4,253
Total noninterest expense	$4,969,000	2,809
Salaries and employee benefits	$2,734,000	2,699
Premises and equipment expense	$557,000	2,931
Additional noninterest expense	$1,678,000	2,839
Pre-tax net operating income	$-19,000	6,315
Securities gains (losses)	$55,000	2,387
Applicable income taxes	$15,000	4,256
Income before extraordinary items	$21,000	6,355
Extraordinary gains, net	$0	20
Net income	$21,000	6,354
Minority interest net income	$0	86
Net income of bank and minority interests.	$21,000	6,354
Net charge-offs	$79,000	4,188
Cash dividends	$50,000	3,541
Sale, conversion, retirement of capital stock, net	$147,000	398
Net operating income	$-14,200	6,311
2012-06-30 (YTD Data)		Rank
Total interest income	$2,946,000	3,976
Total interest expense	$324,000	4,823
Net interest income	$2,622,000	3,772
Provision for loan and lease losses	$-8,000	7,027
Total noninterest income	$634,000	2,837
Gross Fiduciary activities income	$398,000	499
Service charges on deposit accounts	$82,000	4,686
Trading account gains and fees	$0	153
Additional Noninterest Income	$154,000	4,034
Total noninterest expense	$3,421,000	2,735
Salaries and employee benefits	$1,841,000	2,682
Premises and equipment expense	$373,000	2,929
Additional noninterest expense	$1,207,000	2,673
Pre-tax net operating income	$-157,000	6,590
Securities gains (losses)	$0	3,178
Applicable income taxes	$-5,000	6,800
Income before extraordinary items	$-152,000	6,677
Extraordinary gains, net	$0	19
Net income	$-152,000	6,678
Minority interest net income	$0	84
Net income of bank and minority interests.	$-152,000	6,678
Net charge-offs	$205,000	2,731
Cash dividends	$50,000	3,293
Sale, conversion, retirement of capital stock, net	$98,000	375
Net operating income	$-152,000	6,598
2012-03-31 (YTD Data)		Rank
Total interest income	$1,443,000	4,070
Total interest expense	$160,000	4,964
Net interest income	$1,283,000	3,842
Provision for loan and lease losses	$-8,000	7,109
Total noninterest income	$283,000	3,032
Gross Fiduciary activities income	$194,000	510
Service charges on deposit accounts	$39,000	4,766
Trading account gains and fees	$0	148
Additional Noninterest Income	$50,000	4,725
Total noninterest expense	$1,763,000	2,659
Salaries and employee benefits	$952,000	2,596
Premises and equipment expense	$181,000	3,020
Additional noninterest expense	$630,000	2,531
Pre-tax net operating income	$-189,000	6,835
Securities gains (losses)	$0	2,210
Applicable income taxes	$15,000	3,807
Income before extraordinary items	$-204,000	6,906
Extraordinary gains, net	$0	19
Net income	$-204,000	6,907
Minority interest net income	$0	78
Net income of bank and minority interests.	$-204,000	6,907
Net charge-offs	$57,000	2,915
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$49,000	322
Net operating income	$-204,000	6,866
2011-12-31 (YTD Data)		Rank
Total interest income	$6,155,000	3,985
Total interest expense	$1,124,000	4,125
Net interest income	$5,031,000	3,894
Provision for loan and lease losses	$153,000	4,918
Total noninterest income	$4,917,000	1,058
Gross Fiduciary activities income	$717,000	482
Service charges on deposit accounts	$314,000	3,514
Trading account gains and fees	$0	146
Additional Noninterest Income	$3,886,000	858
Total noninterest expense	$8,258,000	2,299
Salaries and employee benefits	$4,351,000	2,222
Premises and equipment expense	$885,000	2,673
Additional noninterest expense	$3,022,000	2,192
Pre-tax net operating income	$1,537,000	2,987
Securities gains (losses)	$358,000	1,007
Applicable income taxes	$0	4,719
Income before extraordinary items	$1,895,000	2,360
Extraordinary gains, net	$0	29
Net income	$1,895,000	2,360
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,895,000	2,361
Net charge-offs	$725,000	2,744
Cash dividends	$200,000	3,331
Sale, conversion, retirement of capital stock, net	$203,000	528
Net operating income	$1,537,000	2,639
2011-09-30 (YTD Data)		Rank
Total interest income	$4,681,000	3,986
Total interest expense	$946,000	3,954
Net interest income	$3,735,000	3,928
Provision for loan and lease losses	$-135,000	7,356
Total noninterest income	$968,000	2,668
Gross Fiduciary activities income	$518,000	489
Service charges on deposit accounts	$263,000	3,306
Trading account gains and fees	$0	145
Additional Noninterest Income	$187,000	4,196
Total noninterest expense	$6,135,000	2,334
Salaries and employee benefits	$3,184,000	2,272
Premises and equipment expense	$668,000	2,693
Additional noninterest expense	$2,283,000	2,189
Pre-tax net operating income	$-1,297,000	6,872
Securities gains (losses)	$358,000	802
Applicable income taxes	$0	4,740
Income before extraordinary items	$-939,000	6,840
Extraordinary gains, net	$0	21
Net income	$-939,000	6,841
Minority interest net income	$0	87
Net income of bank and minority interests.	$-939,000	6,840
Net charge-offs	$556,000	2,550
Cash dividends	$100,000	3,124
Sale, conversion, retirement of capital stock, net	$154,000	492
Net operating income	$-1,297,000	6,904
2011-06-30 (YTD Data)		Rank
Total interest income	$3,139,000	4,009
Total interest expense	$657,000	3,967
Net interest income	$2,482,000	3,952
Provision for loan and lease losses	$-26,000	7,389
Total noninterest income	$678,000	2,595
Gross Fiduciary activities income	$329,000	506
Service charges on deposit accounts	$178,000	3,242
Trading account gains and fees	$0	153
Additional Noninterest Income	$171,000	3,745
Total noninterest expense	$4,019,000	2,394
Salaries and employee benefits	$2,076,000	2,332
Premises and equipment expense	$454,000	2,652
Additional noninterest expense	$1,489,000	2,250
Pre-tax net operating income	$-833,000	6,923
Securities gains (losses)	$33,000	1,841
Applicable income taxes	$-150,000	7,174
Income before extraordinary items	$-650,000	6,902
Extraordinary gains, net	$0	15
Net income	$-650,000	6,901
Minority interest net income	$0	89
Net income of bank and minority interests.	$-650,000	6,902
Net charge-offs	$268,000	2,811
Cash dividends	$100,000	2,767
Sale, conversion, retirement of capital stock, net	$104,000	403
Net operating income	$-676,730	6,900
2011-03-31 (YTD Data)		Rank
Total interest income	$1,607,000	3,982
Total interest expense	$359,000	3,849
Net interest income	$1,248,000	3,944
Provision for loan and lease losses	$24,000	4,887
Total noninterest income	$313,000	2,760
Gross Fiduciary activities income	$157,000	521
Service charges on deposit accounts	$90,000	3,191
Trading account gains and fees	$0	158
Additional Noninterest Income	$66,000	4,229
Total noninterest expense	$2,024,000	2,401
Salaries and employee benefits	$1,042,000	2,352
Premises and equipment expense	$225,000	2,710
Additional noninterest expense	$757,000	2,207
Pre-tax net operating income	$-487,000	7,074
Securities gains (losses)	$33,000	917
Applicable income taxes	$0	4,545
Income before extraordinary items	$-454,000	7,105
Extraordinary gains, net	$0	9
Net income	$-454,000	7,106
Minority interest net income	$0	86
Net income of bank and minority interests.	$-454,000	7,106
Net charge-offs	$-30,000	7,272
Cash dividends	$100,000	1,891
Sale, conversion, retirement of capital stock, net	$52,000	352
Net operating income	$-487,000	7,115
2010-12-31 (YTD Data)		Rank
Total interest income	$6,905,000	3,944
Total interest expense	$2,204,000	3,303
Net interest income	$4,701,000	4,124
Provision for loan and lease losses	$34,000	6,659
Total noninterest income	$827,000	3,584
Gross Fiduciary activities income	$197,000	768
Service charges on deposit accounts	$472,000	2,745
Trading account gains and fees	$0	175
Additional Noninterest Income	$158,000	4,912
Total noninterest expense	$8,251,000	2,341
Salaries and employee benefits	$3,948,000	2,428
Premises and equipment expense	$865,000	2,788
Additional noninterest expense	$3,438,000	2,033
Pre-tax net operating income	$-2,757,000	6,884
Securities gains (losses)	$109,000	2,090
Applicable income taxes	$-202,000	6,973
Income before extraordinary items	$-2,446,000	6,927
Extraordinary gains, net	$0	29
Net income	$-2,446,000	6,927
Minority interest net income	$0	111
Net income of bank and minority interests.	$-2,446,000	6,928
Net charge-offs	$924,000	2,796
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$16,290,000	55
Net operating income	$-2,546,280	6,922
2010-09-30 (YTD Data)		Rank
Total interest income	$5,297,000	3,956
Total interest expense	$1,762,000	3,257
Net interest income	$3,535,000	4,173
Provision for loan and lease losses	$291,000	4,372
Total noninterest income	$502,000	4,064
Gross Fiduciary activities income	$65,000	883
Service charges on deposit accounts	$362,000	2,769
Trading account gains and fees	$0	165
Additional Noninterest Income	$75,000	5,577
Total noninterest expense	$6,151,000	2,358
Salaries and employee benefits	$2,891,000	2,507
Premises and equipment expense	$625,000	2,938
Additional noninterest expense	$2,635,000	1,965
Pre-tax net operating income	$-2,405,000	7,121
Securities gains (losses)	$-16,000	7,244
Applicable income taxes	$0	4,726
Income before extraordinary items	$-2,421,000	7,199
Extraordinary gains, net	$0	23
Net income	$-2,421,000	7,198
Minority interest net income	$0	110
Net income of bank and minority interests.	$-2,421,000	7,199
Net charge-offs	$623,000	2,773
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$16,233,000	45
Net operating income	$-2,405,000	7,171
2010-06-30 (YTD Data)		Rank
Total interest income	$3,624,000	3,918
Total interest expense	$1,231,000	3,242
Net interest income	$2,393,000	4,134
Provision for loan and lease losses	$3,000	6,809
Total noninterest income	$354,000	3,900
Gross Fiduciary activities income	$9,000	1,074
Service charges on deposit accounts	$238,000	2,803
Trading account gains and fees	$0	152
Additional Noninterest Income	$107,000	4,534
Total noninterest expense	$4,023,000	2,419
Salaries and employee benefits	$1,855,000	2,612
Premises and equipment expense	$418,000	2,957
Additional noninterest expense	$1,750,000	1,973
Pre-tax net operating income	$-1,279,000	7,112
Securities gains (losses)	$-16,000	7,354
Applicable income taxes	$0	4,691
Income before extraordinary items	$-1,295,000	7,183
Extraordinary gains, net	$0	19
Net income	$-1,295,000	7,182
Minority interest net income	$0	105
Net income of bank and minority interests.	$-1,295,000	7,183
Net charge-offs	$131,000	3,966
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$16,186,000	31
Net operating income	$-1,279,000	7,162
2010-03-31 (YTD Data)		Rank
Total interest income	$1,820,000	3,971
Total interest expense	$652,000	3,219
Net interest income	$1,168,000	4,235
Provision for loan and lease losses	$77,000	4,273
Total noninterest income	$190,000	3,766
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$111,000	2,947
Trading account gains and fees	$0	175
Additional Noninterest Income	$79,000	3,934
Total noninterest expense	$2,034,000	2,413
Salaries and employee benefits	$965,000	2,551
Premises and equipment expense	$200,000	3,115
Additional noninterest expense	$869,000	1,954
Pre-tax net operating income	$-753,000	7,317
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-753,000	7,385
Extraordinary gains, net	$0	16
Net income	$-753,000	7,385
Minority interest net income	$0	91
Net income of bank and minority interests.	$-753,000	7,386
Net charge-offs	$-10,000	7,490
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$16,186,000	22
Net operating income	$-753,000	7,368
2009-12-31 (YTD Data)		Rank
Total interest income	$8,705,000	3,601
Total interest expense	$4,049,000	2,708
Net interest income	$4,656,000	4,127
Provision for loan and lease losses	$5,337,000	1,364
Total noninterest income	$221,000	6,092
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$598,000	2,543
Trading account gains and fees	$0	211
Additional Noninterest Income	$-377,000	7,770
Total noninterest expense	$6,942,000	2,815
Salaries and employee benefits	$2,812,000	3,374
Premises and equipment expense	$778,000	3,200
Additional noninterest expense	$3,352,000	2,139
Pre-tax net operating income	$-7,402,000	7,374
Securities gains (losses)	$807,000	602
Applicable income taxes	$-251,000	6,821
Income before extraordinary items	$-6,344,000	7,382
Extraordinary gains, net	$0	34
Net income	$-6,344,000	7,381
Minority interest net income	$0	115
Net income of bank and minority interests.	$-6,344,000	7,381
Net charge-offs	$4,789,000	1,186
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$-26,000	7,919
Net operating income	$-7,118,720	7,451
2009-09-30 (YTD Data)		Rank
Total interest income	$6,759,000	3,558
Total interest expense	$3,196,000	2,703
Net interest income	$3,563,000	4,077
Provision for loan and lease losses	$2,790,000	1,551
Total noninterest income	$733,000	3,436
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$467,000	2,492
Trading account gains and fees	$0	212
Additional Noninterest Income	$266,000	3,800
Total noninterest expense	$5,280,000	2,786
Salaries and employee benefits	$2,134,000	3,359
Premises and equipment expense	$587,000	3,217
Additional noninterest expense	$2,559,000	2,063
Pre-tax net operating income	$-3,774,000	7,389
Securities gains (losses)	$807,000	459
Applicable income taxes	$-251,000	7,157
Income before extraordinary items	$-2,716,000	7,327
Extraordinary gains, net	$0	27
Net income	$-2,716,000	7,327
Minority interest net income	$0	118
Net income of bank and minority interests.	$-2,716,000	7,327
Net charge-offs	$1,443,000	1,807
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$-28,000	8,024
Net operating income	$-3,458,440	7,438
2009-06-30 (YTD Data)		Rank
Total interest income	$4,645,000	3,500
Total interest expense	$2,212,000	2,729
Net interest income	$2,433,000	4,006
Provision for loan and lease losses	$556,000	2,820
Total noninterest income	$443,000	3,658
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$308,000	2,491
Trading account gains and fees	$0	193
Additional Noninterest Income	$135,000	4,297
Total noninterest expense	$3,516,000	2,821
Salaries and employee benefits	$1,462,000	3,306
Premises and equipment expense	$383,000	3,299
Additional noninterest expense	$1,671,000	2,123
Pre-tax net operating income	$-1,196,000	7,114
Securities gains (losses)	$575,000	452
Applicable income taxes	$-251,000	7,371
Income before extraordinary items	$-370,000	6,618
Extraordinary gains, net	$0	21
Net income	$-370,000	6,619
Minority interest net income	$0	112
Net income of bank and minority interests.	$-370,000	6,619
Net charge-offs	$1,136,000	1,545
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$-10,000	8,118
Net operating income	$-738,000	6,964
2009-03-31 (YTD Data)		Rank
Total interest income	$2,397,000	3,449
Total interest expense	$1,139,000	2,753
Net interest income	$1,258,000	3,916
Provision for loan and lease losses	$181,000	2,987
Total noninterest income	$247,000	3,408
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$157,000	2,370
Trading account gains and fees	$0	171
Additional Noninterest Income	$90,000	3,816
Total noninterest expense	$1,592,000	2,979
Salaries and employee benefits	$725,000	3,363
Premises and equipment expense	$193,000	3,319
Additional noninterest expense	$674,000	2,300
Pre-tax net operating income	$-268,000	7,013
Securities gains (losses)	$575,000	284
Applicable income taxes	$-245,000	7,758
Income before extraordinary items	$552,000	1,945
Extraordinary gains, net	$0	15
Net income	$552,000	1,947
Minority interest net income	$0	102
Net income of bank and minority interests.	$552,000	1,947
Net charge-offs	$13,000	4,614
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$6,000	955
Net operating income	$-23,000	6,404
2008-12-31 (YTD Data)		Rank
Total interest income	$10,678,000	3,360
Total interest expense	$4,998,000	2,967
Net interest income	$5,680,000	3,615
Provision for loan and lease losses	$2,731,000	1,486
Total noninterest income	$1,152,000	3,124
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$751,000	2,227
Trading account gains and fees	$0	154
Additional Noninterest Income	$401,000	3,584
Total noninterest expense	$7,063,000	2,671
Salaries and employee benefits	$3,365,000	2,940
Premises and equipment expense	$886,000	2,910
Additional noninterest expense	$2,812,000	2,124
Pre-tax net operating income	$-2,962,000	7,582
Securities gains (losses)	$-2,859,000	7,982
Applicable income taxes	$0	4,979
Income before extraordinary items	$-5,821,000	7,862
Extraordinary gains, net	$0	39
Net income	$-5,821,000	7,862
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$956,000	2,006
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$26,000	1,226
Net operating income	$-2,962,000	7,673
2008-09-30 (YTD Data)		Rank
Total interest income	$8,140,000	3,378
Total interest expense	$3,905,000	2,965
Net interest income	$4,235,000	3,661
Provision for loan and lease losses	$989,000	1,839
Total noninterest income	$918,000	3,066
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$563,000	2,242
Trading account gains and fees	$0	148
Additional Noninterest Income	$355,000	3,385
Total noninterest expense	$5,043,000	2,767
Salaries and employee benefits	$2,466,000	3,028
Premises and equipment expense	$695,000	2,822
Additional noninterest expense	$1,882,000	2,270
Pre-tax net operating income	$-879,000	7,464
Securities gains (losses)	$-2,859,000	8,134
Applicable income taxes	$0	5,372
Income before extraordinary items	$-3,738,000	8,066
Extraordinary gains, net	$0	31
Net income	$-3,738,000	8,065
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$981,000	1,324
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$20,000	1,080
Net operating income	$-879,000	7,560
2008-06-30 (YTD Data)		Rank
Total interest income	$5,545,000	3,370
Total interest expense	$2,749,000	2,930
Net interest income	$2,796,000	3,673
Provision for loan and lease losses	$12,000	6,231
Total noninterest income	$600,000	3,142
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$362,000	2,288
Trading account gains and fees	$0	149
Additional Noninterest Income	$238,000	3,443
Total noninterest expense	$3,242,000	2,843
Salaries and employee benefits	$1,620,000	3,099
Premises and equipment expense	$421,000	3,075
Additional noninterest expense	$1,201,000	2,340
Pre-tax net operating income	$142,000	6,162
Securities gains (losses)	$-159,000	8,291
Applicable income taxes	$0	5,627
Income before extraordinary items	$-17,000	7,069
Extraordinary gains, net	$0	21
Net income	$-17,000	7,069
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	5,608
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$17,000	976
Net operating income	$142,000	5,970
2008-03-31 (YTD Data)		Rank
Total interest income	$2,809,000	3,412
Total interest expense	$1,453,000	2,968
Net interest income	$1,356,000	3,753
Provision for loan and lease losses	$7,000	5,635
Total noninterest income	$284,000	3,247
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$169,000	2,380
Trading account gains and fees	$0	158
Additional Noninterest Income	$115,000	3,517
Total noninterest expense	$1,612,000	2,865
Salaries and employee benefits	$791,000	3,201
Premises and equipment expense	$209,000	3,109
Additional noninterest expense	$612,000	2,273
Pre-tax net operating income	$21,000	6,959
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$21,000	7,008
Extraordinary gains, net	$0	15
Net income	$21,000	7,009
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,623
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$10,000	822
Net operating income	$21,000	6,919
2007-12-31 (YTD Data)		Rank
Total interest income	$13,786,000	2,896
Total interest expense	$7,486,000	2,462
Net interest income	$6,300,000	3,384
Provision for loan and lease losses	$4,458,000	452
Total noninterest income	$3,352,000	1,512
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$874,000	1,980
Trading account gains and fees	$0	178
Additional Noninterest Income	$2,478,000	1,166
Total noninterest expense	$7,933,000	2,309
Salaries and employee benefits	$4,152,000	2,414
Premises and equipment expense	$919,000	2,758
Additional noninterest expense	$2,862,000	1,924
Pre-tax net operating income	$-2,739,000	8,355
Securities gains (losses)	$-340,000	8,321
Applicable income taxes	$115,000	4,365
Income before extraordinary items	$-3,194,000	8,407
Extraordinary gains, net	$0	39
Net income	$-3,194,000	8,404
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,207,000	354
Cash dividends	$2,700,000	1,292
Sale, conversion, retirement of capital stock, net	$45,000	1,084
Net operating income	$-2,854,000	8,383
2007-09-30 (YTD Data)		Rank
Total interest income	$10,894,000	2,763
Total interest expense	$5,929,000	2,333
Net interest income	$4,965,000	3,253
Provision for loan and lease losses	$3,622,000	330
Total noninterest income	$3,028,000	1,293
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$681,000	1,905
Trading account gains and fees	$0	184
Additional Noninterest Income	$2,347,000	980
Total noninterest expense	$5,908,000	2,297
Salaries and employee benefits	$3,022,000	2,482
Premises and equipment expense	$704,000	2,700
Additional noninterest expense	$2,182,000	1,851
Pre-tax net operating income	$-1,537,000	8,390
Securities gains (losses)	$-340,000	8,421
Applicable income taxes	$-648,000	8,471
Income before extraordinary items	$-1,229,000	8,375
Extraordinary gains, net	$0	33
Net income	$-1,229,000	8,372
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,374,000	275
Cash dividends	$2,700,000	951
Sale, conversion, retirement of capital stock, net	$32,000	972
Net operating income	$-1,008,000	8,324
2007-06-30 (YTD Data)		Rank
Total interest income	$7,276,000	2,768
Total interest expense	$3,933,000	2,357
Net interest income	$3,343,000	3,244
Provision for loan and lease losses	$57,000	4,230
Total noninterest income	$709,000	2,810
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$452,000	1,915
Trading account gains and fees	$0	168
Additional Noninterest Income	$257,000	3,292
Total noninterest expense	$3,815,000	2,387
Salaries and employee benefits	$1,995,000	2,534
Premises and equipment expense	$448,000	2,829
Additional noninterest expense	$1,372,000	1,964
Pre-tax net operating income	$180,000	6,758
Securities gains (losses)	$0	1,444
Applicable income taxes	$53,000	4,712
Income before extraordinary items	$127,000	6,923
Extraordinary gains, net	$0	29
Net income	$127,000	6,923
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	2,895
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$21,000	897
Net operating income	$127,000	6,905
2007-03-31 (YTD Data)		Rank
Total interest income	$3,664,000	2,744
Total interest expense	$1,957,000	2,353
Net interest income	$1,707,000	3,181
Provision for loan and lease losses	$43,000	3,380
Total noninterest income	$345,000	2,837
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$217,000	1,931
Trading account gains and fees	$0	195
Additional Noninterest Income	$128,000	3,299
Total noninterest expense	$1,904,000	2,402
Salaries and employee benefits	$1,019,000	2,510
Premises and equipment expense	$226,000	2,822
Additional noninterest expense	$659,000	1,995
Pre-tax net operating income	$105,000	6,597
Securities gains (losses)	$0	1,187
Applicable income taxes	$31,000	4,589
Income before extraordinary items	$74,000	6,801
Extraordinary gains, net	$0	22
Net income	$74,000	6,800
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	1,850
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$11,000	756
Net operating income	$74,000	6,780
2006-12-31 (YTD Data)		Rank
Total interest income	$13,577,000	2,780
Total interest expense	$6,710,000	2,359
Net interest income	$6,867,000	3,157
Provision for loan and lease losses	$467,000	2,023
Total noninterest income	$1,139,000	3,241
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$870,000	1,974
Trading account gains and fees	$0	130
Additional Noninterest Income	$269,000	4,510
Total noninterest expense	$6,825,000	2,573
Salaries and employee benefits	$3,670,000	2,634
Premises and equipment expense	$906,000	2,702
Additional noninterest expense	$2,249,000	2,306
Pre-tax net operating income	$714,000	5,889
Securities gains (losses)	$0	1,687
Applicable income taxes	$251,000	4,029
Income before extraordinary items	$463,000	6,287
Extraordinary gains, net	$0	51
Net income	$463,000	6,288
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$299,000	1,674
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$463,000	6,291
2006-09-30 (YTD Data)		Rank
Total interest income	$9,963,000	2,800
Total interest expense	$4,776,000	2,411
Net interest income	$5,187,000	3,162
Provision for loan and lease losses	$242,000	2,500
Total noninterest income	$823,000	3,335
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$662,000	1,942
Trading account gains and fees	$0	126
Additional Noninterest Income	$161,000	4,990
Total noninterest expense	$5,062,000	2,597
Salaries and employee benefits	$2,697,000	2,681
Premises and equipment expense	$682,000	2,708
Additional noninterest expense	$1,683,000	2,299
Pre-tax net operating income	$706,000	5,515
Securities gains (losses)	$0	1,388
Applicable income taxes	$244,000	3,879
Income before extraordinary items	$462,000	5,937
Extraordinary gains, net	$0	45
Net income	$462,000	5,938
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	3,050
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$462,000	5,936
2006-06-30 (YTD Data)		Rank
Total interest income	$6,482,000	2,830
Total interest expense	$2,993,000	2,445
Net interest income	$3,489,000	3,144
Provision for loan and lease losses	$177,000	2,338
Total noninterest income	$549,000	3,309
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$446,000	1,915
Trading account gains and fees	$0	126
Additional Noninterest Income	$103,000	5,064
Total noninterest expense	$3,316,000	2,649
Salaries and employee benefits	$1,757,000	2,737
Premises and equipment expense	$452,000	2,709
Additional noninterest expense	$1,107,000	2,336
Pre-tax net operating income	$545,000	5,224
Securities gains (losses)	$0	1,185
Applicable income taxes	$187,000	3,700
Income before extraordinary items	$358,000	5,634
Extraordinary gains, net	$0	39
Net income	$358,000	5,635
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	2,282
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$358,000	5,634
2006-03-31 (YTD Data)		Rank
Total interest income	$3,147,000	2,857
Total interest expense	$1,381,000	2,498
Net interest income	$1,766,000	3,110
Provision for loan and lease losses	$50,000	3,099
Total noninterest income	$263,000	3,360
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$202,000	2,024
Trading account gains and fees	$0	115
Additional Noninterest Income	$61,000	4,716
Total noninterest expense	$1,675,000	2,623
Salaries and employee benefits	$908,000	2,661
Premises and equipment expense	$224,000	2,731
Additional noninterest expense	$543,000	2,365
Pre-tax net operating income	$304,000	4,939
Securities gains (losses)	$0	955
Applicable income taxes	$104,000	3,539
Income before extraordinary items	$200,000	5,352
Extraordinary gains, net	$0	21
Net income	$200,000	5,351
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	3,919
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$200,000	5,352
2005-12-31 (YTD Data)		Rank
Total interest income	$11,355,000	2,833
Total interest expense	$4,460,000	2,431
Net interest income	$6,895,000	3,076
Provision for loan and lease losses	$523,000	1,824
Total noninterest income	$606,000	4,759
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$405,000	3,527
Trading account gains and fees	$0	138
Additional Noninterest Income	$201,000	5,145
Total noninterest expense	$6,004,000	2,749
Salaries and employee benefits	$3,013,000	2,949
Premises and equipment expense	$788,000	2,931
Additional noninterest expense	$2,203,000	2,274
Pre-tax net operating income	$974,000	5,419
Securities gains (losses)	$0	2,296
Applicable income taxes	$331,000	3,994
Income before extraordinary items	$643,000	5,843
Extraordinary gains, net	$0	46
Net income	$643,000	5,847
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$198,000	2,305
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$643,000	5,818
2005-09-30 (YTD Data)		Rank
Total interest income	$8,285,000	2,851
Total interest expense	$3,192,000	2,426
Net interest income	$5,093,000	3,101
Provision for loan and lease losses	$210,000	2,870
Total noninterest income	$437,000	4,897
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$289,000	3,649
Trading account gains and fees	$0	126
Additional Noninterest Income	$148,000	5,207
Total noninterest expense	$4,391,000	2,788
Salaries and employee benefits	$2,158,000	3,052
Premises and equipment expense	$569,000	3,015
Additional noninterest expense	$1,664,000	2,220
Pre-tax net operating income	$929,000	4,954
Securities gains (losses)	$0	2,317
Applicable income taxes	$314,000	3,734
Income before extraordinary items	$615,000	5,388
Extraordinary gains, net	$0	35
Net income	$615,000	5,391
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$185,000	1,768
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$615,000	5,358
2005-06-30 (YTD Data)		Rank
Total interest income	$5,372,000	2,853
Total interest expense	$2,038,000	2,393
Net interest income	$3,334,000	3,122
Provision for loan and lease losses	$107,000	3,266
Total noninterest income	$286,000	4,914
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$179,000	3,755
Trading account gains and fees	$0	116
Additional Noninterest Income	$107,000	5,049
Total noninterest expense	$2,913,000	2,779
Salaries and employee benefits	$1,372,000	3,174
Premises and equipment expense	$385,000	2,954
Additional noninterest expense	$1,156,000	2,125
Pre-tax net operating income	$600,000	5,008
Securities gains (losses)	$0	2,146
Applicable income taxes	$203,000	3,760
Income before extraordinary items	$397,000	5,466
Extraordinary gains, net	$0	30
Net income	$397,000	5,468
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$155,000	1,445
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$397,000	5,426
2005-03-31 (YTD Data)		Rank
Total interest income	$2,592,000	2,901
Total interest expense	$977,000	2,390
Net interest income	$1,615,000	3,201
Provision for loan and lease losses	$92,000	2,170
Total noninterest income	$145,000	4,794
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$86,000	3,771
Trading account gains and fees	$0	115
Additional Noninterest Income	$59,000	4,816
Total noninterest expense	$1,429,000	2,836
Salaries and employee benefits	$652,000	3,312
Premises and equipment expense	$195,000	2,941
Additional noninterest expense	$582,000	2,107
Pre-tax net operating income	$239,000	5,549
Securities gains (losses)	$0	1,685
Applicable income taxes	$81,000	4,092
Income before extraordinary items	$158,000	5,988
Extraordinary gains, net	$0	24
Net income	$158,000	5,989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	3,061
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$158,000	5,948
2004-12-31 (YTD Data)		Rank
Total interest income	$9,472,000	2,970
Total interest expense	$3,417,000	2,361
Net interest income	$6,055,000	3,272
Provision for loan and lease losses	$306,000	2,867
Total noninterest income	$451,000	5,523
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$315,000	4,213
Trading account gains and fees	$0	138
Additional Noninterest Income	$136,000	5,870
Total noninterest expense	$4,549,000	3,383
Salaries and employee benefits	$2,061,000	3,898
Premises and equipment expense	$639,000	3,365
Additional noninterest expense	$1,849,000	2,594
Pre-tax net operating income	$1,651,000	4,005
Securities gains (losses)	$8,000	2,935
Applicable income taxes	$433,000	3,575
Income before extraordinary items	$1,226,000	4,152
Extraordinary gains, net	$0	34
Net income	$1,226,000	4,153
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$164,000	2,896
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,220,080	4,093
2004-09-30 (YTD Data)		Rank
Total interest income	$6,935,000	2,999
Total interest expense	$2,589,000	2,280
Net interest income	$4,346,000	3,363
Provision for loan and lease losses	$306,000	2,233
Total noninterest income	$327,000	5,631
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$232,000	4,273
Trading account gains and fees	$0	134
Additional Noninterest Income	$95,000	6,010
Total noninterest expense	$3,198,000	3,526
Salaries and employee benefits	$1,462,000	4,039
Premises and equipment expense	$455,000	3,518
Additional noninterest expense	$1,281,000	2,738
Pre-tax net operating income	$1,169,000	4,221
Securities gains (losses)	$8,000	2,829
Applicable income taxes	$59,000	5,842
Income before extraordinary items	$1,118,000	3,725
Extraordinary gains, net	$0	26
Net income	$1,118,000	3,725
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$140,000	2,355
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,110,400	3,666
2004-06-30 (YTD Data)		Rank
Total interest income	$4,508,000	3,046
Total interest expense	$1,751,000	2,240
Net interest income	$2,757,000	3,494
Provision for loan and lease losses	$235,000	1,955
Total noninterest income	$209,000	5,724
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$150,000	4,337
Trading account gains and fees	$0	130
Additional Noninterest Income	$59,000	6,161
Total noninterest expense	$2,072,000	3,637
Salaries and employee benefits	$934,000	4,189
Premises and equipment expense	$293,000	3,625
Additional noninterest expense	$845,000	2,787
Pre-tax net operating income	$659,000	4,600
Securities gains (losses)	$13,000	2,268
Applicable income taxes	$59,000	5,455
Income before extraordinary items	$613,000	4,190
Extraordinary gains, net	$0	21
Net income	$613,000	4,191
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	1,833
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$601,170	4,153
2004-03-31 (YTD Data)		Rank
Total interest income	$2,188,000	3,141
Total interest expense	$866,000	2,279
Net interest income	$1,322,000	3,602
Provision for loan and lease losses	$85,000	2,404
Total noninterest income	$91,000	5,996
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$66,000	4,552
Trading account gains and fees	$0	121
Additional Noninterest Income	$25,000	6,426
Total noninterest expense	$1,011,000	3,726
Salaries and employee benefits	$457,000	4,297
Premises and equipment expense	$146,000	3,659
Additional noninterest expense	$408,000	2,858
Pre-tax net operating income	$317,000	4,693
Securities gains (losses)	$13,000	1,918
Applicable income taxes	$0	7,103
Income before extraordinary items	$330,000	4,015
Extraordinary gains, net	$0	16
Net income	$330,000	4,014
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	3,014
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$317,000	3,986
2003-12-31 (YTD Data)		Rank
Total interest income	$7,796,000	3,514
Total interest expense	$3,342,000	2,601
Net interest income	$4,454,000	4,026
Provision for loan and lease losses	$418,000	2,510
Total noninterest income	$365,000	6,161
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$274,000	4,521
Trading account gains and fees	$0	160
Additional Noninterest Income	$91,000	6,686
Total noninterest expense	$3,489,000	4,128
Salaries and employee benefits	$1,595,000	4,652
Premises and equipment expense	$551,000	3,770
Additional noninterest expense	$1,343,000	3,402
Pre-tax net operating income	$912,000	5,389
Securities gains (losses)	$113,000	1,785
Applicable income taxes	$0	7,459
Income before extraordinary items	$1,025,000	4,580
Extraordinary gains, net	$0	54
Net income	$1,025,000	4,581
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$133,000	3,586
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$3,000,000	273
Net operating income	$912,000	4,745
2003-09-30 (YTD Data)		Rank
Total interest income	$5,726,000	3,610
Total interest expense	$2,514,000	2,672
Net interest income	$3,212,000	4,184
Provision for loan and lease losses	$304,000	2,484
Total noninterest income	$256,000	6,360
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$190,000	4,753
Trading account gains and fees	$0	153
Additional Noninterest Income	$66,000	6,799
Total noninterest expense	$2,524,000	4,234
Salaries and employee benefits	$1,152,000	4,766
Premises and equipment expense	$405,000	3,814
Additional noninterest expense	$967,000	3,489
Pre-tax net operating income	$640,000	5,729
Securities gains (losses)	$116,000	1,617
Applicable income taxes	$0	7,524
Income before extraordinary items	$756,000	4,754
Extraordinary gains, net	$0	40
Net income	$756,000	4,755
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	3,610
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$3,000,000	184
Net operating income	$640,000	5,045
2003-06-30 (YTD Data)		Rank
Total interest income	$3,802,000	3,645
Total interest expense	$1,704,000	2,704
Net interest income	$2,098,000	4,249
Provision for loan and lease losses	$158,000	2,928
Total noninterest income	$163,000	6,445
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$118,000	4,897
Trading account gains and fees	$0	150
Additional Noninterest Income	$45,000	6,742
Total noninterest expense	$1,648,000	4,300
Salaries and employee benefits	$732,000	4,922
Premises and equipment expense	$267,000	3,838
Additional noninterest expense	$649,000	3,460
Pre-tax net operating income	$455,000	5,553
Securities gains (losses)	$75,000	1,736
Applicable income taxes	$0	7,529
Income before extraordinary items	$530,000	4,639
Extraordinary gains, net	$0	30
Net income	$530,000	4,639
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	4,131
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$3,000,000	112
Net operating income	$455,000	4,850
2003-03-31 (YTD Data)		Rank
Total interest income	$1,898,000	3,682
Total interest expense	$878,000	2,694
Net interest income	$1,020,000	4,342
Provision for loan and lease losses	$80,000	2,724
Total noninterest income	$73,000	6,636
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$54,000	5,010
Trading account gains and fees	$0	134
Additional Noninterest Income	$19,000	7,007
Total noninterest expense	$825,000	4,269
Salaries and employee benefits	$377,000	4,836
Premises and equipment expense	$135,000	3,814
Additional noninterest expense	$313,000	3,536
Pre-tax net operating income	$188,000	5,985
Securities gains (losses)	$58,000	1,308
Applicable income taxes	$0	7,403
Income before extraordinary items	$246,000	4,760
Extraordinary gains, net	$0	21
Net income	$246,000	4,760
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	2,925
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$3,000,000	54
Net operating income	$188,000	5,278
2002-12-31 (YTD Data)		Rank
Total interest income	$6,572,000	4,259
Total interest expense	$3,608,000	3,003
Net interest income	$2,964,000	5,320
Provision for loan and lease losses	$452,000	2,567
Total noninterest income	$266,000	6,729
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$196,000	5,245
Trading account gains and fees	$0	153
Additional Noninterest Income	$70,000	7,078
Total noninterest expense	$2,604,000	4,944
Salaries and employee benefits	$1,145,000	5,655
Premises and equipment expense	$468,000	4,140
Additional noninterest expense	$991,000	4,207
Pre-tax net operating income	$174,000	8,032
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$174,000	7,974
Extraordinary gains, net	$0	70
Net income	$174,000	7,975
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,516
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$7,181,000	96
Net operating income	$174,000	7,860
2001-12-31 (YTD Data)		Rank
Total interest income	$2,695,000	7,543
Total interest expense	$1,667,000	6,654
Net interest income	$1,028,000	8,226
Provision for loan and lease losses	$350,000	2,901
Total noninterest income	$113,000	8,336
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$81,000	6,961
Trading account gains and fees	$0	177
Additional Noninterest Income	$32,000	8,285
Total noninterest expense	$1,917,000	5,897
Salaries and employee benefits	$865,000	6,519
Premises and equipment expense	$310,000	5,428
Additional noninterest expense	$742,000	5,049
Pre-tax net operating income	$-1,126,000	9,389
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$-1,126,000	9,447
Extraordinary gains, net	$0	105
Net income	$-1,126,000	9,448
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-1,126,000	9,413
2000-12-31 (YTD Data)		Rank
Total interest income	$169,000	9,838
Total interest expense	$40,000	9,790
Net interest income	$129,000	9,826
Provision for loan and lease losses	$36,000	6,984
Total noninterest income	$11,000	9,736
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,000	8,577
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	9,421
Total noninterest expense	$623,000	9,031
Salaries and employee benefits	$391,000	8,796
Premises and equipment expense	$48,000	9,403
Additional noninterest expense	$184,000	8,934
Pre-tax net operating income	$-519,000	9,539
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$-519,000	9,573
Extraordinary gains, net	$0	38
Net income	$-519,000	9,572
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$8,513,000	88
Net operating income	$-519,000	9,574

* 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.