Home > Illinois Bank & Trust > Income and Expense

Illinois Bank & Trust, Income and Expense

2022-09-30 (YTD Data)		Rank
Total interest income	$38,189,000	700
Total interest expense	$1,634,000	1,217
Net interest income	$36,555,000	680
Provision for loan and lease losses	$-415,000	4,576
Total noninterest income	$13,960,000	501
Gross Fiduciary activities income	$1,329,000	428
Service charges on deposit accounts	$2,379,000	401
Trading account gains and fees	$0	111
Additional Noninterest Income	$10,252,000	459
Total noninterest expense	$25,923,000	753
Salaries and employee benefits	$6,625,000	1,448
Premises and equipment expense	$1,613,000	1,125
Additional noninterest expense	$10,252,000	459
Pre-tax net operating income	$25,007,000	511
Securities gains (losses)	$-147,000	4,296
Applicable income taxes	$5,462,000	480
Income before extraordinary items	$19,398,000	522
Extraordinary gains, net	$0	4
Net income	$19,398,000	521
Minority interest net income	$0	57
Net income of bank and minority interests.	$19,398,000	522
Net charge-offs	$84,000	1,001
Cash dividends	$16,000,000	256
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$19,514,130	529
2022-06-30 (YTD Data)		Rank
Total interest income	$24,004,000	708
Total interest expense	$616,000	1,698
Net interest income	$23,388,000	684
Provision for loan and lease losses	$-490,000	4,605
Total noninterest income	$10,355,000	462
Gross Fiduciary activities income	$890,000	385
Service charges on deposit accounts	$1,552,000	405
Trading account gains and fees	$0	108
Additional Noninterest Income	$7,913,000	431
Total noninterest expense	$17,650,000	728
Salaries and employee benefits	$4,503,000	1,423
Premises and equipment expense	$1,124,000	1,080
Additional noninterest expense	$12,023,000	379
Pre-tax net operating income	$16,583,000	490
Securities gains (losses)	$12,000	377
Applicable income taxes	$3,628,000	457
Income before extraordinary items	$12,967,000	499
Extraordinary gains, net	$0	4
Net income	$12,967,000	498
Minority interest net income	$0	60
Net income of bank and minority interests.	$12,967,000	499
Net charge-offs	$58,000	901
Cash dividends	$9,000,000	289
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$12,957,520	507
2022-03-31 (YTD Data)		Rank
Total interest income	$11,731,000	701
Total interest expense	$232,000	2,009
Net interest income	$11,499,000	676
Provision for loan and lease losses	$-756,000	4,663
Total noninterest income	$2,982,000	693
Gross Fiduciary activities income	$454,000	388
Service charges on deposit accounts	$729,000	424
Trading account gains and fees	$0	103
Additional Noninterest Income	$1,799,000	743
Total noninterest expense	$8,949,000	720
Salaries and employee benefits	$2,284,000	1,409
Premises and equipment expense	$612,000	1,019
Additional noninterest expense	$6,053,000	368
Pre-tax net operating income	$6,288,000	582
Securities gains (losses)	$140,000	106
Applicable income taxes	$1,363,000	530
Income before extraordinary items	$5,065,000	587
Extraordinary gains, net	$0	4
Net income	$5,065,000	587
Minority interest net income	$0	50
Net income of bank and minority interests.	$5,065,000	587
Net charge-offs	$15,000	1,053
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$4,954,400	599
2021-12-31 (YTD Data)		Rank
Total interest income	$49,295,000	690
Total interest expense	$1,000,000	2,216
Net interest income	$48,295,000	649
Provision for loan and lease losses	$-3,019,000	4,633
Total noninterest income	$10,050,000	822
Gross Fiduciary activities income	$1,857,000	384
Service charges on deposit accounts	$2,784,000	420
Trading account gains and fees	$0	132
Additional Noninterest Income	$5,409,000	1,015
Total noninterest expense	$34,165,000	752
Salaries and employee benefits	$8,737,000	1,453
Premises and equipment expense	$2,424,000	1,008
Additional noninterest expense	$23,004,000	377
Pre-tax net operating income	$27,199,000	591
Securities gains (losses)	$630,000	301
Applicable income taxes	$6,011,000	553
Income before extraordinary items	$21,818,000	602
Extraordinary gains, net	$0	10
Net income	$21,818,000	602
Minority interest net income	$0	74
Net income of bank and minority interests.	$21,818,000	603
Net charge-offs	$24,000	1,997
Cash dividends	$17,000,000	330
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$21,320,300	604
2021-09-30 (YTD Data)		Rank
Total interest income	$37,335,000	698
Total interest expense	$753,000	2,296
Net interest income	$36,582,000	649
Provision for loan and lease losses	$-3,132,000	4,724
Total noninterest income	$7,595,000	847
Gross Fiduciary activities income	$1,397,000	381
Service charges on deposit accounts	$1,999,000	434
Trading account gains and fees	$0	132
Additional Noninterest Income	$4,199,000	1,010
Total noninterest expense	$24,191,000	795
Salaries and employee benefits	$6,461,000	1,466
Premises and equipment expense	$1,795,000	1,038
Additional noninterest expense	$15,935,000	407
Pre-tax net operating income	$23,118,000	555
Securities gains (losses)	$594,000	281
Applicable income taxes	$5,183,000	514
Income before extraordinary items	$18,529,000	565
Extraordinary gains, net	$0	8
Net income	$18,529,000	564
Minority interest net income	$0	69
Net income of bank and minority interests.	$18,529,000	565
Net charge-offs	$-6,000	3,495
Cash dividends	$12,000,000	327
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$18,059,740	574
2021-06-30 (YTD Data)		Rank
Total interest income	$25,027,000	690
Total interest expense	$498,000	2,384
Net interest income	$24,529,000	640
Provision for loan and lease losses	$-1,923,000	4,741
Total noninterest income	$5,131,000	836
Gross Fiduciary activities income	$920,000	379
Service charges on deposit accounts	$1,275,000	439
Trading account gains and fees	$0	133
Additional Noninterest Income	$2,936,000	993
Total noninterest expense	$15,912,000	800
Salaries and employee benefits	$4,218,000	1,496
Premises and equipment expense	$1,287,000	985
Additional noninterest expense	$10,407,000	398
Pre-tax net operating income	$15,671,000	537
Securities gains (losses)	$408,000	310
Applicable income taxes	$3,515,000	509
Income before extraordinary items	$12,564,000	553
Extraordinary gains, net	$0	6
Net income	$12,564,000	553
Minority interest net income	$0	67
Net income of bank and minority interests.	$12,564,000	553
Net charge-offs	$101,000	903
Cash dividends	$9,000,000	297
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$12,241,680	555
2021-03-31 (YTD Data)		Rank
Total interest income	$12,128,000	702
Total interest expense	$277,000	2,289
Net interest income	$11,851,000	654
Provision for loan and lease losses	$-519,000	4,754
Total noninterest income	$2,492,000	858
Gross Fiduciary activities income	$454,000	381
Service charges on deposit accounts	$600,000	456
Trading account gains and fees	$0	127
Additional Noninterest Income	$1,438,000	1,005
Total noninterest expense	$7,711,000	818
Salaries and employee benefits	$2,058,000	1,518
Premises and equipment expense	$567,000	1,096
Additional noninterest expense	$5,086,000	394
Pre-tax net operating income	$7,151,000	576
Securities gains (losses)	$-38,000	4,814
Applicable income taxes	$1,530,000	563
Income before extraordinary items	$5,583,000	601
Extraordinary gains, net	$0	3
Net income	$5,583,000	601
Minority interest net income	$0	55
Net income of bank and minority interests.	$5,583,000	601
Net charge-offs	$89,000	657
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$5,613,020	593
2020-12-31 (YTD Data)		Rank
Total interest income	$51,534,000	666
Total interest expense	$3,418,000	1,334
Net interest income	$48,116,000	609
Provision for loan and lease losses	$5,118,000	562
Total noninterest income	$8,127,000	934
Gross Fiduciary activities income	$1,688,000	382
Service charges on deposit accounts	$2,551,000	436
Trading account gains and fees	$0	133
Additional Noninterest Income	$3,888,000	1,232
Total noninterest expense	$34,518,000	723
Salaries and employee benefits	$11,298,000	1,128
Premises and equipment expense	$2,741,000	921
Additional noninterest expense	$20,479,000	403
Pre-tax net operating income	$16,607,000	682
Securities gains (losses)	$504,000	594
Applicable income taxes	$3,513,000	628
Income before extraordinary items	$13,598,000	723
Extraordinary gains, net	$0	4
Net income	$13,598,000	723
Minority interest net income	$0	72
Net income of bank and minority interests.	$13,598,000	723
Net charge-offs	$3,290,000	297
Cash dividends	$2,000,000	1,507
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$13,199,840	714
2020-09-30 (YTD Data)		Rank
Total interest income	$38,376,000	666
Total interest expense	$3,072,000	1,207
Net interest income	$35,304,000	615
Provision for loan and lease losses	$3,669,000	621
Total noninterest income	$7,302,000	788
Gross Fiduciary activities income	$1,312,000	371
Service charges on deposit accounts	$1,848,000	444
Trading account gains and fees	$0	125
Additional Noninterest Income	$4,142,000	917
Total noninterest expense	$25,562,000	724
Salaries and employee benefits	$8,818,000	1,076
Premises and equipment expense	$1,889,000	972
Additional noninterest expense	$14,855,000	405
Pre-tax net operating income	$13,375,000	625
Securities gains (losses)	$451,000	530
Applicable income taxes	$2,910,000	569
Income before extraordinary items	$10,916,000	649
Extraordinary gains, net	$0	4
Net income	$10,916,000	648
Minority interest net income	$0	65
Net income of bank and minority interests.	$10,916,000	649
Net charge-offs	$3,263,000	229
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$10,559,710	642
2020-06-30 (YTD Data)		Rank
Total interest income	$25,626,000	666
Total interest expense	$2,616,000	1,044
Net interest income	$23,010,000	632
Provision for loan and lease losses	$4,389,000	428
Total noninterest income	$5,122,000	713
Gross Fiduciary activities income	$878,000	371
Service charges on deposit accounts	$1,186,000	456
Trading account gains and fees	$0	123
Additional Noninterest Income	$3,058,000	798
Total noninterest expense	$17,819,000	689
Salaries and employee benefits	$6,208,000	1,026
Premises and equipment expense	$1,231,000	983
Additional noninterest expense	$10,380,000	384
Pre-tax net operating income	$5,924,000	823
Securities gains (losses)	$271,000	589
Applicable income taxes	$1,159,000	736
Income before extraordinary items	$5,036,000	846
Extraordinary gains, net	$0	4
Net income	$5,036,000	846
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,036,000	846
Net charge-offs	$606,000	529
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$4,816,490	852
2020-03-31 (YTD Data)		Rank
Total interest income	$12,655,000	682
Total interest expense	$1,944,000	808
Net interest income	$10,711,000	657
Provision for loan and lease losses	$889,000	659
Total noninterest income	$2,617,000	673
Gross Fiduciary activities income	$442,000	371
Service charges on deposit accounts	$633,000	483
Trading account gains and fees	$0	106
Additional Noninterest Income	$1,542,000	720
Total noninterest expense	$9,175,000	665
Salaries and employee benefits	$3,352,000	978
Premises and equipment expense	$659,000	956
Additional noninterest expense	$5,164,000	376
Pre-tax net operating income	$3,264,000	679
Securities gains (losses)	$16,000	1,188
Applicable income taxes	$696,000	586
Income before extraordinary items	$2,584,000	748
Extraordinary gains, net	$0	4
Net income	$2,584,000	748
Minority interest net income	$0	56
Net income of bank and minority interests.	$2,584,000	748
Net charge-offs	$347,000	465
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$2,571,360	728
2019-12-31 (YTD Data)		Rank
Total interest income	$32,303,000	1,017
Total interest expense	$4,358,000	1,382
Net interest income	$27,945,000	953
Provision for loan and lease losses	$664,000	1,253
Total noninterest income	$8,009,000	817
Gross Fiduciary activities income	$947,000	468
Service charges on deposit accounts	$2,165,000	584
Trading account gains and fees	$0	135
Additional Noninterest Income	$4,897,000	844
Total noninterest expense	$25,256,000	912
Salaries and employee benefits	$7,939,000	1,460
Premises and equipment expense	$2,239,000	1,065
Additional noninterest expense	$15,078,000	480
Pre-tax net operating income	$10,034,000	1,051
Securities gains (losses)	$308,000	506
Applicable income taxes	$1,995,000	902
Income before extraordinary items	$8,347,000	1,078
Extraordinary gains, net	$0	11
Net income	$8,347,000	1,080
Minority interest net income	$0	76
Net income of bank and minority interests.	$8,347,000	1,080
Net charge-offs	$190,000	1,732
Cash dividends	$1,000,000	2,317
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$8,097,520	1,082
2019-09-30 (YTD Data)		Rank
Total interest income	$23,050,000	1,071
Total interest expense	$2,875,000	1,532
Net interest income	$20,175,000	985
Provision for loan and lease losses	$594,000	1,025
Total noninterest income	$5,887,000	828
Gross Fiduciary activities income	$623,000	491
Service charges on deposit accounts	$1,514,000	622
Trading account gains and fees	$0	129
Additional Noninterest Income	$3,750,000	828
Total noninterest expense	$17,538,000	950
Salaries and employee benefits	$5,616,000	1,549
Premises and equipment expense	$1,628,000	1,103
Additional noninterest expense	$10,294,000	524
Pre-tax net operating income	$7,930,000	1,028
Securities gains (losses)	$304,000	415
Applicable income taxes	$1,628,000	885
Income before extraordinary items	$6,606,000	1,061
Extraordinary gains, net	$0	11
Net income	$6,606,000	1,062
Minority interest net income	$0	72
Net income of bank and minority interests.	$6,606,000	1,062
Net charge-offs	$11,000	2,925
Cash dividends	$1,000,000	1,800
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$6,362,800	1,067
2019-06-30 (YTD Data)		Rank
Total interest income	$15,240,000	1,070
Total interest expense	$1,743,000	1,617
Net interest income	$13,497,000	981
Provision for loan and lease losses	$421,000	971
Total noninterest income	$3,948,000	806
Gross Fiduciary activities income	$380,000	507
Service charges on deposit accounts	$1,011,000	609
Trading account gains and fees	$0	131
Additional Noninterest Income	$2,557,000	798
Total noninterest expense	$11,849,000	939
Salaries and employee benefits	$4,010,000	1,460
Premises and equipment expense	$1,132,000	1,061
Additional noninterest expense	$6,707,000	541
Pre-tax net operating income	$5,175,000	1,016
Securities gains (losses)	$259,000	331
Applicable income taxes	$1,051,000	884
Income before extraordinary items	$4,383,000	1,034
Extraordinary gains, net	$0	11
Net income	$4,383,000	1,034
Minority interest net income	$0	69
Net income of bank and minority interests.	$4,383,000	1,034
Net charge-offs	$195,000	998
Cash dividends	$1,000,000	1,417
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$4,173,210	1,057
2019-03-31 (YTD Data)		Rank
Total interest income	$7,573,000	1,072
Total interest expense	$757,000	1,739
Net interest income	$6,816,000	982
Provision for loan and lease losses	$36,000	2,329
Total noninterest income	$1,911,000	795
Gross Fiduciary activities income	$167,000	531
Service charges on deposit accounts	$502,000	615
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,242,000	771
Total noninterest expense	$5,735,000	960
Salaries and employee benefits	$1,922,000	1,517
Premises and equipment expense	$623,000	992
Additional noninterest expense	$3,190,000	551
Pre-tax net operating income	$2,956,000	880
Securities gains (losses)	$342,000	146
Applicable income taxes	$666,000	727
Income before extraordinary items	$2,632,000	880
Extraordinary gains, net	$0	5
Net income	$2,632,000	879
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,632,000	879
Net charge-offs	$137,000	770
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$2,358,400	931
2018-12-31 (YTD Data)		Rank
Total interest income	$28,518,000	1,054
Total interest expense	$2,279,000	1,769
Net interest income	$26,239,000	995
Provision for loan and lease losses	$-84,000	5,169
Total noninterest income	$7,571,000	841
Gross Fiduciary activities income	$619,000	553
Service charges on deposit accounts	$1,928,000	655
Trading account gains and fees	$0	126
Additional Noninterest Income	$5,024,000	798
Total noninterest expense	$22,298,000	975
Salaries and employee benefits	$7,058,000	1,587
Premises and equipment expense	$2,015,000	1,167
Additional noninterest expense	$13,225,000	528
Pre-tax net operating income	$11,596,000	926
Securities gains (losses)	$334,000	161
Applicable income taxes	$2,198,000	830
Income before extraordinary items	$9,732,000	933
Extraordinary gains, net	$0	6
Net income	$9,732,000	932
Minority interest net income	$0	72
Net income of bank and minority interests.	$9,732,000	932
Net charge-offs	$560,000	887
Cash dividends	$6,000,000	625
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$9,458,120	955
2018-09-30 (YTD Data)		Rank
Total interest income	$20,725,000	1,070
Total interest expense	$1,654,000	1,730
Net interest income	$19,071,000	1,016
Provision for loan and lease losses	$-270,000	5,340
Total noninterest income	$5,493,000	863
Gross Fiduciary activities income	$464,000	550
Service charges on deposit accounts	$1,409,000	673
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,620,000	825
Total noninterest expense	$15,837,000	1,021
Salaries and employee benefits	$5,338,000	1,574
Premises and equipment expense	$1,514,000	1,161
Additional noninterest expense	$8,985,000	574
Pre-tax net operating income	$8,997,000	913
Securities gains (losses)	$243,000	186
Applicable income taxes	$1,688,000	812
Income before extraordinary items	$7,552,000	908
Extraordinary gains, net	$0	5
Net income	$7,552,000	906
Minority interest net income	$0	66
Net income of bank and minority interests.	$7,552,000	907
Net charge-offs	$529,000	690
Cash dividends	$4,500,000	589
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$7,352,740	936
2018-06-30 (YTD Data)		Rank
Total interest income	$13,348,000	1,093
Total interest expense	$946,000	1,855
Net interest income	$12,402,000	1,037
Provision for loan and lease losses	$-381,000	5,448
Total noninterest income	$3,625,000	862
Gross Fiduciary activities income	$309,000	557
Service charges on deposit accounts	$923,000	677
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,393,000	833
Total noninterest expense	$10,354,000	1,036
Salaries and employee benefits	$3,626,000	1,555
Premises and equipment expense	$1,035,000	1,142
Additional noninterest expense	$5,693,000	606
Pre-tax net operating income	$6,054,000	886
Securities gains (losses)	$232,000	157
Applicable income taxes	$1,153,000	794
Income before extraordinary items	$5,133,000	876
Extraordinary gains, net	$0	6
Net income	$5,133,000	874
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,133,000	875
Net charge-offs	$361,000	650
Cash dividends	$2,000,000	757
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$4,942,760	912
2018-03-31 (YTD Data)		Rank
Total interest income	$6,791,000	1,067
Total interest expense	$338,000	2,259
Net interest income	$6,453,000	997
Provision for loan and lease losses	$-155,000	5,513
Total noninterest income	$1,725,000	887
Gross Fiduciary activities income	$154,000	563
Service charges on deposit accounts	$451,000	693
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,120,000	854
Total noninterest expense	$5,198,000	1,041
Salaries and employee benefits	$1,796,000	1,588
Premises and equipment expense	$517,000	1,158
Additional noninterest expense	$2,885,000	591
Pre-tax net operating income	$3,135,000	833
Securities gains (losses)	$204,000	116
Applicable income taxes	$627,000	724
Income before extraordinary items	$2,712,000	816
Extraordinary gains, net	$0	7
Net income	$2,712,000	816
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,712,000	816
Net charge-offs	$65,000	1,052
Cash dividends	$1,000,000	704
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$2,546,760	854
2017-12-31 (YTD Data)		Rank
Total interest income	$25,752,000	1,093
Total interest expense	$1,246,000	2,188
Net interest income	$24,506,000	1,022
Provision for loan and lease losses	$98,000	3,106
Total noninterest income	$7,026,000	878
Gross Fiduciary activities income	$554,000	570
Service charges on deposit accounts	$1,944,000	658
Trading account gains and fees	$0	151
Additional Noninterest Income	$4,528,000	877
Total noninterest expense	$20,940,000	1,019
Salaries and employee benefits	$7,253,000	1,528
Premises and equipment expense	$2,048,000	1,147
Additional noninterest expense	$11,639,000	579
Pre-tax net operating income	$10,494,000	952
Securities gains (losses)	$189,000	415
Applicable income taxes	$3,628,000	835
Income before extraordinary items	$7,055,000	1,011
Extraordinary gains, net	$0	9
Net income	$7,055,000	1,011
Minority interest net income	$0	76
Net income of bank and minority interests.	$7,055,000	1,011
Net charge-offs	$-34,000	5,051
Cash dividends	$7,000,000	497
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$6,930,260	1,018
2017-09-30 (YTD Data)		Rank
Total interest income	$19,112,000	1,104
Total interest expense	$920,000	2,201
Net interest income	$18,192,000	1,028
Provision for loan and lease losses	$-239,000	5,581
Total noninterest income	$5,280,000	893
Gross Fiduciary activities income	$415,000	575
Service charges on deposit accounts	$1,469,000	653
Trading account gains and fees	$0	145
Additional Noninterest Income	$3,396,000	896
Total noninterest expense	$15,526,000	1,029
Salaries and employee benefits	$5,278,000	1,579
Premises and equipment expense	$1,553,000	1,143
Additional noninterest expense	$8,695,000	580
Pre-tax net operating income	$8,185,000	935
Securities gains (losses)	$124,000	515
Applicable income taxes	$2,048,000	899
Income before extraordinary items	$6,261,000	948
Extraordinary gains, net	$0	9
Net income	$6,261,000	948
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,261,000	948
Net charge-offs	$-37,000	5,092
Cash dividends	$5,000,000	498
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$6,168,000	944
2017-06-30 (YTD Data)		Rank
Total interest income	$12,384,000	1,121
Total interest expense	$572,000	2,259
Net interest income	$11,812,000	1,054
Provision for loan and lease losses	$-326,000	5,680
Total noninterest income	$3,546,000	884
Gross Fiduciary activities income	$283,000	574
Service charges on deposit accounts	$973,000	647
Trading account gains and fees	$0	139
Additional Noninterest Income	$2,290,000	884
Total noninterest expense	$10,388,000	1,033
Salaries and employee benefits	$3,582,000	1,558
Premises and equipment expense	$1,018,000	1,160
Additional noninterest expense	$5,788,000	592
Pre-tax net operating income	$5,296,000	948
Securities gains (losses)	$-53,000	5,676
Applicable income taxes	$1,268,000	935
Income before extraordinary items	$3,975,000	977
Extraordinary gains, net	$0	11
Net income	$3,975,000	978
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,975,000	977
Net charge-offs	$-101,000	5,446
Cash dividends	$1,500,000	954
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$4,015,280	954
2017-03-31 (YTD Data)		Rank
Total interest income	$6,345,000	1,093
Total interest expense	$279,000	2,283
Net interest income	$6,066,000	1,024
Provision for loan and lease losses	$7,000	3,282
Total noninterest income	$1,708,000	902
Gross Fiduciary activities income	$128,000	600
Service charges on deposit accounts	$483,000	652
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,097,000	895
Total noninterest expense	$5,101,000	1,058
Salaries and employee benefits	$1,763,000	1,594
Premises and equipment expense	$517,000	1,158
Additional noninterest expense	$2,821,000	607
Pre-tax net operating income	$2,666,000	909
Securities gains (losses)	$-19,000	5,710
Applicable income taxes	$656,000	893
Income before extraordinary items	$1,991,000	947
Extraordinary gains, net	$0	8
Net income	$1,991,000	948
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,991,000	947
Net charge-offs	$-55,000	5,493
Cash dividends	$500,000	1,199
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$2,005,250	924
2016-12-31 (YTD Data)		Rank
Total interest income	$25,360,000	1,062
Total interest expense	$1,389,000	1,908
Net interest income	$23,971,000	1,010
Provision for loan and lease losses	$-1,248,000	5,846
Total noninterest income	$6,752,000	932
Gross Fiduciary activities income	$485,000	599
Service charges on deposit accounts	$1,873,000	701
Trading account gains and fees	$0	170
Additional Noninterest Income	$4,394,000	928
Total noninterest expense	$21,249,000	996
Salaries and employee benefits	$7,089,000	1,527
Premises and equipment expense	$2,066,000	1,138
Additional noninterest expense	$12,094,000	572
Pre-tax net operating income	$10,722,000	871
Securities gains (losses)	$900,000	265
Applicable income taxes	$3,102,000	758
Income before extraordinary items	$8,520,000	878
Extraordinary gains, net	$0	5
Net income	$8,520,000	877
Minority interest net income	$0	82
Net income of bank and minority interests.	$8,520,000	877
Net charge-offs	$-239,000	5,685
Cash dividends	$5,250,000	636
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$7,863,000	926
2016-09-30 (YTD Data)		Rank
Total interest income	$18,864,000	1,068
Total interest expense	$1,096,000	1,839
Net interest income	$17,768,000	1,022
Provision for loan and lease losses	$-1,041,000	5,922
Total noninterest income	$5,165,000	913
Gross Fiduciary activities income	$366,000	595
Service charges on deposit accounts	$1,404,000	697
Trading account gains and fees	$0	169
Additional Noninterest Income	$3,395,000	906
Total noninterest expense	$15,637,000	1,009
Salaries and employee benefits	$5,573,000	1,457
Premises and equipment expense	$1,503,000	1,179
Additional noninterest expense	$8,561,000	603
Pre-tax net operating income	$8,337,000	846
Securities gains (losses)	$728,000	272
Applicable income taxes	$2,462,000	749
Income before extraordinary items	$6,603,000	852
Extraordinary gains, net	$0	5
Net income	$6,603,000	852
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,603,000	852
Net charge-offs	$-362,000	5,823
Cash dividends	$2,250,000	929
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$6,071,560	895
2016-06-30 (YTD Data)		Rank
Total interest income	$12,439,000	1,079
Total interest expense	$760,000	1,791
Net interest income	$11,679,000	1,035
Provision for loan and lease losses	$-882,000	6,008
Total noninterest income	$3,326,000	925
Gross Fiduciary activities income	$241,000	606
Service charges on deposit accounts	$899,000	707
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,186,000	913
Total noninterest expense	$10,363,000	1,012
Salaries and employee benefits	$3,797,000	1,434
Premises and equipment expense	$1,016,000	1,164
Additional noninterest expense	$5,550,000	620
Pre-tax net operating income	$5,524,000	852
Securities gains (losses)	$667,000	218
Applicable income taxes	$1,768,000	710
Income before extraordinary items	$4,423,000	835
Extraordinary gains, net	$0	16
Net income	$4,423,000	833
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,423,000	834
Net charge-offs	$-325,000	5,928
Cash dividends	$1,250,000	1,109
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$3,949,430	890
2016-03-31 (YTD Data)		Rank
Total interest income	$6,218,000	1,079
Total interest expense	$399,000	1,699
Net interest income	$5,819,000	1,035
Provision for loan and lease losses	$-172,000	6,008
Total noninterest income	$1,469,000	976
Gross Fiduciary activities income	$243,000	463
Service charges on deposit accounts	$429,000	730
Trading account gains and fees	$0	142
Additional Noninterest Income	$797,000	1,100
Total noninterest expense	$5,182,000	1,021
Salaries and employee benefits	$2,007,000	1,377
Premises and equipment expense	$535,000	1,114
Additional noninterest expense	$2,640,000	650
Pre-tax net operating income	$2,278,000	970
Securities gains (losses)	$549,000	122
Applicable income taxes	$800,000	743
Income before extraordinary items	$2,027,000	871
Extraordinary gains, net	$0	12
Net income	$2,027,000	872
Minority interest net income	$0	62
Net income of bank and minority interests.	$2,027,000	872
Net charge-offs	$-22,000	5,496
Cash dividends	$1,250,000	609
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,631,720	1,071
2015-12-31 (YTD Data)		Rank
Total interest income	$25,953,000	1,002
Total interest expense	$1,787,000	1,529
Net interest income	$24,166,000	956
Provision for loan and lease losses	$1,073,000	779
Total noninterest income	$5,487,000	1,050
Gross Fiduciary activities income	$955,000	467
Service charges on deposit accounts	$1,764,000	750
Trading account gains and fees	$0	159
Additional Noninterest Income	$2,768,000	1,224
Total noninterest expense	$21,693,000	954
Salaries and employee benefits	$7,661,000	1,402
Premises and equipment expense	$2,166,000	1,098
Additional noninterest expense	$11,866,000	563
Pre-tax net operating income	$6,887,000	1,220
Securities gains (losses)	$1,401,000	152
Applicable income taxes	$2,046,000	990
Income before extraordinary items	$6,242,000	1,126
Extraordinary gains, net	$0	23
Net income	$6,242,000	1,126
Minority interest net income	$0	81
Net income of bank and minority interests.	$6,242,000	1,126
Net charge-offs	$102,000	2,636
Cash dividends	$10,500,000	372
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$5,191,250	1,286
2015-09-30 (YTD Data)		Rank
Total interest income	$19,846,000	991
Total interest expense	$1,426,000	1,463
Net interest income	$18,420,000	934
Provision for loan and lease losses	$1,008,000	588
Total noninterest income	$4,758,000	965
Gross Fiduciary activities income	$714,000	467
Service charges on deposit accounts	$1,321,000	758
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,723,000	1,044
Total noninterest expense	$16,348,000	952
Salaries and employee benefits	$5,913,000	1,379
Premises and equipment expense	$1,632,000	1,111
Additional noninterest expense	$8,803,000	574
Pre-tax net operating income	$5,822,000	1,115
Securities gains (losses)	$1,965,000	89
Applicable income taxes	$2,119,000	810
Income before extraordinary items	$5,668,000	937
Extraordinary gains, net	$0	21
Net income	$5,668,000	937
Minority interest net income	$0	78
Net income of bank and minority interests.	$5,668,000	937
Net charge-offs	$101,000	2,151
Cash dividends	$3,500,000	636
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$4,233,550	1,209
2015-06-30 (YTD Data)		Rank
Total interest income	$13,262,000	991
Total interest expense	$1,028,000	1,371
Net interest income	$12,234,000	936
Provision for loan and lease losses	$622,000	630
Total noninterest income	$3,119,000	968
Gross Fiduciary activities income	$480,000	473
Service charges on deposit accounts	$866,000	756
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,773,000	1,056
Total noninterest expense	$11,002,000	948
Salaries and employee benefits	$4,011,000	1,368
Premises and equipment expense	$1,114,000	1,086
Additional noninterest expense	$5,877,000	579
Pre-tax net operating income	$3,729,000	1,142
Securities gains (losses)	$1,596,000	88
Applicable income taxes	$1,534,000	759
Income before extraordinary items	$3,791,000	939
Extraordinary gains, net	$0	22
Net income	$3,791,000	939
Minority interest net income	$0	75
Net income of bank and minority interests.	$3,791,000	939
Net charge-offs	$52,000	2,291
Cash dividends	$3,500,000	449
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,657,840	1,260
2015-03-31 (YTD Data)		Rank
Total interest income	$6,555,000	990
Total interest expense	$556,000	1,261
Net interest income	$5,999,000	953
Provision for loan and lease losses	$309,000	611
Total noninterest income	$1,717,000	883
Gross Fiduciary activities income	$231,000	490
Service charges on deposit accounts	$438,000	728
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,048,000	895
Total noninterest expense	$5,430,000	956
Salaries and employee benefits	$1,951,000	1,399
Premises and equipment expense	$547,000	1,108
Additional noninterest expense	$2,932,000	570
Pre-tax net operating income	$1,977,000	1,072
Securities gains (losses)	$1,619,000	57
Applicable income taxes	$1,114,000	585
Income before extraordinary items	$2,482,000	716
Extraordinary gains, net	$0	13
Net income	$2,482,000	713
Minority interest net income	$0	64
Net income of bank and minority interests.	$2,482,000	716
Net charge-offs	$-13,000	5,532
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,364,890	1,194
2014-12-31 (YTD Data)		Rank
Total interest income	$16,163,000	1,536
Total interest expense	$1,259,000	2,182
Net interest income	$14,904,000	1,483
Provision for loan and lease losses	$1,972,000	470
Total noninterest income	$3,149,000	1,508
Gross Fiduciary activities income	$159,000	802
Service charges on deposit accounts	$1,080,000	1,208
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,910,000	1,512
Total noninterest expense	$14,068,000	1,377
Salaries and employee benefits	$5,230,000	1,961
Premises and equipment expense	$1,503,000	1,567
Additional noninterest expense	$7,335,000	892
Pre-tax net operating income	$2,013,000	2,964
Securities gains (losses)	$641,000	323
Applicable income taxes	$220,000	2,877
Income before extraordinary items	$2,434,000	2,351
Extraordinary gains, net	$0	17
Net income	$2,434,000	2,351
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,434,000	2,351
Net charge-offs	$1,905,000	539
Cash dividends	$500,000	2,836
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,844,280	2,816
2014-09-30 (YTD Data)		Rank
Total interest income	$12,065,000	1,553
Total interest expense	$969,000	2,160
Net interest income	$11,096,000	1,499
Provision for loan and lease losses	$1,622,000	415
Total noninterest income	$2,239,000	1,577
Gross Fiduciary activities income	$121,000	796
Service charges on deposit accounts	$777,000	1,263
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,341,000	1,588
Total noninterest expense	$10,210,000	1,417
Salaries and employee benefits	$3,992,000	1,931
Premises and equipment expense	$1,169,000	1,526
Additional noninterest expense	$5,049,000	959
Pre-tax net operating income	$1,503,000	3,030
Securities gains (losses)	$325,000	448
Applicable income taxes	$95,000	3,316
Income before extraordinary items	$1,733,000	2,469
Extraordinary gains, net	$0	15
Net income	$1,733,000	2,470
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,733,000	2,469
Net charge-offs	$916,000	720
Cash dividends	$375,000	2,519
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,424,250	2,779
2014-06-30 (YTD Data)		Rank
Total interest income	$7,751,000	1,605
Total interest expense	$642,000	2,203
Net interest income	$7,109,000	1,556
Provision for loan and lease losses	$970,000	458
Total noninterest income	$1,305,000	1,714
Gross Fiduciary activities income	$82,000	802
Service charges on deposit accounts	$486,000	1,310
Trading account gains and fees	$0	172
Additional Noninterest Income	$737,000	1,796
Total noninterest expense	$6,699,000	1,436
Salaries and employee benefits	$2,533,000	2,037
Premises and equipment expense	$834,000	1,437
Additional noninterest expense	$3,332,000	975
Pre-tax net operating income	$745,000	3,509
Securities gains (losses)	$112,000	728
Applicable income taxes	$-63,000	6,483
Income before extraordinary items	$920,000	2,812
Extraordinary gains, net	$0	20
Net income	$920,000	2,816
Minority interest net income	$0	80
Net income of bank and minority interests.	$920,000	2,816
Net charge-offs	$771,000	621
Cash dividends	$250,000	2,509
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$808,000	3,019
2014-03-31 (YTD Data)		Rank
Total interest income	$3,472,000	1,796
Total interest expense	$312,000	2,287
Net interest income	$3,160,000	1,726
Provision for loan and lease losses	$338,000	632
Total noninterest income	$659,000	1,668
Gross Fiduciary activities income	$42,000	806
Service charges on deposit accounts	$227,000	1,382
Trading account gains and fees	$0	147
Additional Noninterest Income	$390,000	1,685
Total noninterest expense	$3,063,000	1,569
Salaries and employee benefits	$1,230,000	2,111
Premises and equipment expense	$329,000	1,827
Additional noninterest expense	$1,504,000	1,075
Pre-tax net operating income	$418,000	3,231
Securities gains (losses)	$112,000	408
Applicable income taxes	$3,000	4,166
Income before extraordinary items	$527,000	2,476
Extraordinary gains, net	$0	16
Net income	$527,000	2,479
Minority interest net income	$0	66
Net income of bank and minority interests.	$527,000	2,479
Net charge-offs	$639,000	411
Cash dividends	$125,000	2,093
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$416,120	2,881
2013-12-31 (YTD Data)		Rank
Total interest income	$12,262,000	2,018
Total interest expense	$1,461,000	2,214
Net interest income	$10,801,000	1,961
Provision for loan and lease losses	$646,000	1,557
Total noninterest income	$2,876,000	1,658
Gross Fiduciary activities income	$162,000	809
Service charges on deposit accounts	$950,000	1,431
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,764,000	1,661
Total noninterest expense	$11,528,000	1,673
Salaries and employee benefits	$4,439,000	2,275
Premises and equipment expense	$1,021,000	2,213
Additional noninterest expense	$6,068,000	1,119
Pre-tax net operating income	$1,503,000	3,397
Securities gains (losses)	$536,000	426
Applicable income taxes	$-7,000	6,278
Income before extraordinary items	$2,046,000	2,559
Extraordinary gains, net	$0	29
Net income	$2,046,000	2,562
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,046,000	2,562
Net charge-offs	$765,000	1,538
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,510,000	3,087
2013-09-30 (YTD Data)		Rank
Total interest income	$8,930,000	2,075
Total interest expense	$1,128,000	2,218
Net interest income	$7,802,000	2,030
Provision for loan and lease losses	$458,000	1,606
Total noninterest income	$2,042,000	1,770
Gross Fiduciary activities income	$120,000	807
Service charges on deposit accounts	$699,000	1,460
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,223,000	1,800
Total noninterest expense	$8,280,000	1,744
Salaries and employee benefits	$3,366,000	2,264
Premises and equipment expense	$780,000	2,196
Additional noninterest expense	$4,134,000	1,210
Pre-tax net operating income	$1,106,000	3,501
Securities gains (losses)	$554,000	373
Applicable income taxes	$47,000	3,752
Income before extraordinary items	$1,613,000	2,511
Extraordinary gains, net	$0	25
Net income	$1,613,000	2,516
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,613,000	2,516
Net charge-offs	$686,000	1,306
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,075,620	3,211
2013-06-30 (YTD Data)		Rank
Total interest income	$5,847,000	2,114
Total interest expense	$770,000	2,219
Net interest income	$5,077,000	2,062
Provision for loan and lease losses	$152,000	2,419
Total noninterest income	$1,031,000	2,185
Gross Fiduciary activities income	$84,000	811
Service charges on deposit accounts	$442,000	1,498
Trading account gains and fees	$0	157
Additional Noninterest Income	$505,000	2,459
Total noninterest expense	$5,366,000	1,788
Salaries and employee benefits	$2,186,000	2,317
Premises and equipment expense	$523,000	2,189
Additional noninterest expense	$2,657,000	1,249
Pre-tax net operating income	$590,000	3,850
Securities gains (losses)	$507,000	364
Applicable income taxes	$31,000	3,745
Income before extraordinary items	$1,066,000	2,505
Extraordinary gains, net	$0	22
Net income	$1,066,000	2,512
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,066,000	2,511
Net charge-offs	$468,000	1,303
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$574,210	3,588
2013-03-31 (YTD Data)		Rank
Total interest income	$2,877,000	2,157
Total interest expense	$416,000	2,121
Net interest income	$2,461,000	2,133
Provision for loan and lease losses	$-54,000	6,811
Total noninterest income	$716,000	1,695
Gross Fiduciary activities income	$39,000	824
Service charges on deposit accounts	$205,000	1,592
Trading account gains and fees	$0	148
Additional Noninterest Income	$472,000	1,640
Total noninterest expense	$2,572,000	1,873
Salaries and employee benefits	$1,105,000	2,308
Premises and equipment expense	$272,000	2,150
Additional noninterest expense	$1,195,000	1,367
Pre-tax net operating income	$659,000	2,389
Securities gains (losses)	$365,000	279
Applicable income taxes	$197,000	1,728
Income before extraordinary items	$827,000	1,715
Extraordinary gains, net	$0	10
Net income	$827,000	1,717
Minority interest net income	$0	76
Net income of bank and minority interests.	$827,000	1,717
Net charge-offs	$12,000	3,363
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$531,350	2,385
2012-12-31 (YTD Data)		Rank
Total interest income	$12,159,000	2,152
Total interest expense	$1,957,000	2,170
Net interest income	$10,202,000	2,109
Provision for loan and lease losses	$1,836,000	1,141
Total noninterest income	$2,775,000	1,742
Gross Fiduciary activities income	$159,000	824
Service charges on deposit accounts	$882,000	1,569
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,734,000	1,684
Total noninterest expense	$10,135,000	1,887
Salaries and employee benefits	$4,053,000	2,410
Premises and equipment expense	$904,000	2,476
Additional noninterest expense	$5,178,000	1,315
Pre-tax net operating income	$1,006,000	4,007
Securities gains (losses)	$1,783,000	309
Applicable income taxes	$417,000	2,355
Income before extraordinary items	$2,372,000	2,272
Extraordinary gains, net	$0	29
Net income	$2,372,000	2,272
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,372,000	2,274
Net charge-offs	$1,432,000	1,441
Cash dividends	$300,000	3,272
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$856,450	3,998
2012-09-30 (YTD Data)		Rank
Total interest income	$9,093,000	2,196
Total interest expense	$1,522,000	2,192
Net interest income	$7,571,000	2,166
Provision for loan and lease losses	$1,439,000	1,117
Total noninterest income	$1,565,000	2,122
Gross Fiduciary activities income	$118,000	817
Service charges on deposit accounts	$641,000	1,625
Trading account gains and fees	$0	157
Additional Noninterest Income	$806,000	2,267
Total noninterest expense	$7,225,000	1,978
Salaries and employee benefits	$2,999,000	2,457
Premises and equipment expense	$623,000	2,692
Additional noninterest expense	$3,603,000	1,419
Pre-tax net operating income	$472,000	4,778
Securities gains (losses)	$1,848,000	221
Applicable income taxes	$430,000	2,094
Income before extraordinary items	$1,890,000	2,219
Extraordinary gains, net	$0	20
Net income	$1,890,000	2,219
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,890,000	2,219
Net charge-offs	$1,154,000	1,328
Cash dividends	$300,000	2,542
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$393,120	4,822
2012-06-30 (YTD Data)		Rank
Total interest income	$6,045,000	2,214
Total interest expense	$1,007,000	2,267
Net interest income	$5,038,000	2,172
Provision for loan and lease losses	$764,000	1,332
Total noninterest income	$1,125,000	1,986
Gross Fiduciary activities income	$76,000	835
Service charges on deposit accounts	$397,000	1,712
Trading account gains and fees	$0	153
Additional Noninterest Income	$652,000	2,004
Total noninterest expense	$4,658,000	2,059
Salaries and employee benefits	$1,996,000	2,455
Premises and equipment expense	$406,000	2,742
Additional noninterest expense	$2,256,000	1,501
Pre-tax net operating income	$741,000	3,436
Securities gains (losses)	$886,000	317
Applicable income taxes	$344,000	1,901
Income before extraordinary items	$1,283,000	2,154
Extraordinary gains, net	$0	19
Net income	$1,283,000	2,154
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,283,000	2,154
Net charge-offs	$486,000	1,804
Cash dividends	$200,000	2,506
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$583,060	3,511
2012-03-31 (YTD Data)		Rank
Total interest income	$3,062,000	2,206
Total interest expense	$510,000	2,326
Net interest income	$2,552,000	2,150
Provision for loan and lease losses	$464,000	1,118
Total noninterest income	$458,000	2,286
Gross Fiduciary activities income	$39,000	831
Service charges on deposit accounts	$190,000	1,774
Trading account gains and fees	$0	148
Additional Noninterest Income	$229,000	2,452
Total noninterest expense	$2,201,000	2,167
Salaries and employee benefits	$999,000	2,470
Premises and equipment expense	$203,000	2,768
Additional noninterest expense	$999,000	1,657
Pre-tax net operating income	$345,000	3,583
Securities gains (losses)	$63,000	1,129
Applicable income taxes	$39,000	3,256
Income before extraordinary items	$369,000	3,237
Extraordinary gains, net	$0	19
Net income	$369,000	3,241
Minority interest net income	$0	78
Net income of bank and minority interests.	$369,000	3,241
Net charge-offs	$94,000	2,495
Cash dividends	$100,000	2,055
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$312,300	3,403
2011-12-31 (YTD Data)		Rank
Total interest income	$12,867,000	2,169
Total interest expense	$2,563,000	2,261
Net interest income	$10,304,000	2,124
Provision for loan and lease losses	$5,215,000	761
Total noninterest income	$1,427,000	2,533
Gross Fiduciary activities income	$150,000	785
Service charges on deposit accounts	$859,000	1,684
Trading account gains and fees	$0	146
Additional Noninterest Income	$418,000	3,370
Total noninterest expense	$6,822,000	2,723
Salaries and employee benefits	$3,725,000	2,575
Premises and equipment expense	$851,000	2,779
Additional noninterest expense	$2,246,000	2,814
Pre-tax net operating income	$-306,000	6,300
Securities gains (losses)	$1,597,000	291
Applicable income taxes	$89,000	3,441
Income before extraordinary items	$1,202,000	3,213
Extraordinary gains, net	$0	29
Net income	$1,202,000	3,216
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,202,000	3,216
Net charge-offs	$5,903,000	699
Cash dividends	$250,000	3,152
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-283,210	6,325
2011-09-30 (YTD Data)		Rank
Total interest income	$9,736,000	2,178
Total interest expense	$1,993,000	2,259
Net interest income	$7,743,000	2,124
Provision for loan and lease losses	$4,683,000	660
Total noninterest income	$975,000	2,661
Gross Fiduciary activities income	$112,000	781
Service charges on deposit accounts	$639,000	1,703
Trading account gains and fees	$0	145
Additional Noninterest Income	$224,000	3,932
Total noninterest expense	$5,144,000	2,710
Salaries and employee benefits	$2,759,000	2,608
Premises and equipment expense	$630,000	2,828
Additional noninterest expense	$1,755,000	2,734
Pre-tax net operating income	$-1,109,000	6,824
Securities gains (losses)	$1,300,000	265
Applicable income taxes	$-212,000	7,099
Income before extraordinary items	$403,000	4,648
Extraordinary gains, net	$0	21
Net income	$403,000	4,649
Minority interest net income	$0	87
Net income of bank and minority interests.	$403,000	4,649
Net charge-offs	$3,437,000	846
Cash dividends	$250,000	2,494
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-897,000	6,802
2011-06-30 (YTD Data)		Rank
Total interest income	$6,611,000	2,162
Total interest expense	$1,368,000	2,283
Net interest income	$5,243,000	2,088
Provision for loan and lease losses	$2,213,000	856
Total noninterest income	$351,000	3,818
Gross Fiduciary activities income	$72,000	791
Service charges on deposit accounts	$407,000	1,741
Trading account gains and fees	$0	153
Additional Noninterest Income	$-128,000	7,229
Total noninterest expense	$3,501,000	2,687
Salaries and employee benefits	$1,877,000	2,565
Premises and equipment expense	$409,000	2,915
Additional noninterest expense	$1,215,000	2,719
Pre-tax net operating income	$-120,000	6,459
Securities gains (losses)	$1,014,000	197
Applicable income taxes	$153,000	2,486
Income before extraordinary items	$741,000	2,812
Extraordinary gains, net	$0	15
Net income	$741,000	2,814
Minority interest net income	$0	89
Net income of bank and minority interests.	$741,000	2,814
Net charge-offs	$3,035,000	680
Cash dividends	$250,000	2,077
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-100,620	6,470
2011-03-31 (YTD Data)		Rank
Total interest income	$3,337,000	2,150
Total interest expense	$711,000	2,281
Net interest income	$2,626,000	2,071
Provision for loan and lease losses	$1,544,000	624
Total noninterest income	$313,000	2,760
Gross Fiduciary activities income	$35,000	814
Service charges on deposit accounts	$196,000	1,775
Trading account gains and fees	$0	158
Additional Noninterest Income	$82,000	3,866
Total noninterest expense	$2,202,000	2,189
Salaries and employee benefits	$1,002,000	2,430
Premises and equipment expense	$194,000	3,063
Additional noninterest expense	$1,006,000	1,707
Pre-tax net operating income	$-807,000	7,215
Securities gains (losses)	$331,000	230
Applicable income taxes	$-264,000	7,413
Income before extraordinary items	$-212,000	6,901
Extraordinary gains, net	$0	9
Net income	$-212,000	6,901
Minority interest net income	$0	86
Net income of bank and minority interests.	$-212,000	6,901
Net charge-offs	$1,375,000	691
Cash dividends	$251,000	1,230
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-423,840	7,079
2010-12-31 (YTD Data)		Rank
Total interest income	$14,079,000	2,143
Total interest expense	$3,435,000	2,302
Net interest income	$10,644,000	2,052
Provision for loan and lease losses	$2,929,000	1,643
Total noninterest income	$1,554,000	2,458
Gross Fiduciary activities income	$109,000	865
Service charges on deposit accounts	$892,000	1,658
Trading account gains and fees	$0	175
Additional Noninterest Income	$553,000	3,044
Total noninterest expense	$8,372,000	2,306
Salaries and employee benefits	$3,483,000	2,746
Premises and equipment expense	$915,000	2,666
Additional noninterest expense	$3,974,000	1,820
Pre-tax net operating income	$897,000	3,581
Securities gains (losses)	$182,000	1,672
Applicable income taxes	$98,000	3,251
Income before extraordinary items	$981,000	3,265
Extraordinary gains, net	$0	29
Net income	$981,000	3,262
Minority interest net income	$0	111
Net income of bank and minority interests.	$981,000	3,265
Net charge-offs	$1,799,000	1,983
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$815,380	3,459
2010-09-30 (YTD Data)		Rank
Total interest income	$10,482,000	2,210
Total interest expense	$2,755,000	2,250
Net interest income	$7,727,000	2,142
Provision for loan and lease losses	$1,552,000	1,930
Total noninterest income	$829,000	3,085
Gross Fiduciary activities income	$81,000	848
Service charges on deposit accounts	$661,000	1,726
Trading account gains and fees	$0	165
Additional Noninterest Income	$87,000	5,375
Total noninterest expense	$6,282,000	2,313
Salaries and employee benefits	$2,588,000	2,767
Premises and equipment expense	$707,000	2,634
Additional noninterest expense	$2,987,000	1,789
Pre-tax net operating income	$722,000	3,651
Securities gains (losses)	$182,000	1,448
Applicable income taxes	$113,000	3,025
Income before extraordinary items	$791,000	3,303
Extraordinary gains, net	$0	23
Net income	$791,000	3,301
Minority interest net income	$0	110
Net income of bank and minority interests.	$791,000	3,303
Net charge-offs	$837,000	2,404
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$632,660	3,549
2010-06-30 (YTD Data)		Rank
Total interest income	$6,859,000	2,283
Total interest expense	$1,979,000	2,182
Net interest income	$4,880,000	2,285
Provision for loan and lease losses	$555,000	2,701
Total noninterest income	$892,000	2,202
Gross Fiduciary activities income	$53,000	865
Service charges on deposit accounts	$421,000	1,806
Trading account gains and fees	$0	152
Additional Noninterest Income	$418,000	2,354
Total noninterest expense	$4,110,000	2,358
Salaries and employee benefits	$1,710,000	2,795
Premises and equipment expense	$449,000	2,762
Additional noninterest expense	$1,951,000	1,801
Pre-tax net operating income	$1,107,000	2,185
Securities gains (losses)	$181,000	999
Applicable income taxes	$358,000	1,555
Income before extraordinary items	$930,000	2,249
Extraordinary gains, net	$0	19
Net income	$930,000	2,248
Minority interest net income	$0	105
Net income of bank and minority interests.	$930,000	2,251
Net charge-offs	$198,000	3,555
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$799,680	2,410
2010-03-31 (YTD Data)		Rank
Total interest income	$3,463,000	2,312
Total interest expense	$1,043,000	2,184
Net interest income	$2,420,000	2,327
Provision for loan and lease losses	$15,000	5,865
Total noninterest income	$560,000	1,863
Gross Fiduciary activities income	$25,000	880
Service charges on deposit accounts	$198,000	1,892
Trading account gains and fees	$0	175
Additional Noninterest Income	$337,000	1,705
Total noninterest expense	$2,068,000	2,365
Salaries and employee benefits	$945,000	2,600
Premises and equipment expense	$221,000	2,880
Additional noninterest expense	$902,000	1,896
Pre-tax net operating income	$897,000	1,458
Securities gains (losses)	$26,000	1,415
Applicable income taxes	$283,000	1,097
Income before extraordinary items	$640,000	1,722
Extraordinary gains, net	$0	16
Net income	$640,000	1,722
Minority interest net income	$0	91
Net income of bank and minority interests.	$640,000	1,723
Net charge-offs	$-15,000	7,585
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$622,060	1,691
2009-12-31 (YTD Data)		Rank
Total interest income	$13,792,000	2,428
Total interest expense	$5,241,000	2,163
Net interest income	$8,551,000	2,535
Provision for loan and lease losses	$4,329,000	1,582
Total noninterest income	$2,703,000	1,732
Gross Fiduciary activities income	$59,000	939
Service charges on deposit accounts	$880,000	1,889
Trading account gains and fees	$0	211
Additional Noninterest Income	$1,764,000	1,498
Total noninterest expense	$7,593,000	2,594
Salaries and employee benefits	$3,280,000	2,958
Premises and equipment expense	$926,000	2,747
Additional noninterest expense	$3,387,000	2,114
Pre-tax net operating income	$-668,000	6,091
Securities gains (losses)	$965,000	517
Applicable income taxes	$-107,000	6,587
Income before extraordinary items	$404,000	4,160
Extraordinary gains, net	$0	34
Net income	$404,000	4,159
Minority interest net income	$0	115
Net income of bank and minority interests.	$404,000	4,159
Net charge-offs	$4,227,000	1,292
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-561,000	6,125
2009-09-30 (YTD Data)		Rank
Total interest income	$10,066,000	2,520
Total interest expense	$4,117,000	2,168
Net interest income	$5,949,000	2,760
Provision for loan and lease losses	$2,654,000	1,602
Total noninterest income	$2,054,000	1,744
Gross Fiduciary activities income	$38,000	950
Service charges on deposit accounts	$651,000	1,912
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,365,000	1,487
Total noninterest expense	$5,820,000	2,540
Salaries and employee benefits	$2,529,000	2,918
Premises and equipment expense	$693,000	2,787
Additional noninterest expense	$2,598,000	2,033
Pre-tax net operating income	$-471,000	6,306
Securities gains (losses)	$965,000	400
Applicable income taxes	$36,000	3,513
Income before extraordinary items	$458,000	3,834
Extraordinary gains, net	$0	27
Net income	$458,000	3,830
Minority interest net income	$0	118
Net income of bank and minority interests.	$458,000	3,832
Net charge-offs	$2,471,000	1,333
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-439,450	6,366
2009-06-30 (YTD Data)		Rank
Total interest income	$6,474,000	2,633
Total interest expense	$2,905,000	2,153
Net interest income	$3,569,000	2,998
Provision for loan and lease losses	$1,927,000	1,430
Total noninterest income	$1,470,000	1,685
Gross Fiduciary activities income	$21,000	974
Service charges on deposit accounts	$412,000	1,969
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,037,000	1,396
Total noninterest expense	$3,925,000	2,544
Salaries and employee benefits	$1,713,000	2,893
Premises and equipment expense	$455,000	2,871
Additional noninterest expense	$1,757,000	2,027
Pre-tax net operating income	$-813,000	6,907
Securities gains (losses)	$954,000	299
Applicable income taxes	$-35,000	6,937
Income before extraordinary items	$176,000	4,696
Extraordinary gains, net	$0	21
Net income	$176,000	4,692
Minority interest net income	$0	112
Net income of bank and minority interests.	$176,000	4,692
Net charge-offs	$1,949,000	1,143
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-778,000	6,991
2009-03-31 (YTD Data)		Rank
Total interest income	$3,149,000	2,728
Total interest expense	$1,533,000	2,128
Net interest income	$1,616,000	3,240
Provision for loan and lease losses	$196,000	2,893
Total noninterest income	$752,000	1,620
Gross Fiduciary activities income	$10,000	991
Service charges on deposit accounts	$201,000	1,955
Trading account gains and fees	$0	171
Additional Noninterest Income	$541,000	1,325
Total noninterest expense	$1,934,000	2,502
Salaries and employee benefits	$900,000	2,806
Premises and equipment expense	$230,000	2,880
Additional noninterest expense	$804,000	1,982
Pre-tax net operating income	$238,000	3,732
Securities gains (losses)	$509,000	329
Applicable income taxes	$246,000	1,240
Income before extraordinary items	$501,000	2,134
Extraordinary gains, net	$0	15
Net income	$501,000	2,133
Minority interest net income	$0	102
Net income of bank and minority interests.	$501,000	2,135
Net charge-offs	$273,000	1,862
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$159,970	4,084
2008-12-31 (YTD Data)		Rank
Total interest income	$13,606,000	2,715
Total interest expense	$6,779,000	2,259
Net interest income	$6,827,000	3,130
Provision for loan and lease losses	$1,243,000	2,418
Total noninterest income	$2,416,000	1,854
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$885,000	1,948
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,531,000	1,567
Total noninterest expense	$6,575,000	2,831
Salaries and employee benefits	$2,891,000	3,355
Premises and equipment expense	$917,000	2,830
Additional noninterest expense	$2,767,000	2,163
Pre-tax net operating income	$1,425,000	3,116
Securities gains (losses)	$2,000	2,962
Applicable income taxes	$410,000	2,059
Income before extraordinary items	$1,017,000	3,251
Extraordinary gains, net	$0	39
Net income	$1,017,000	3,252
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$835,000	2,163
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,015,580	3,407
2008-09-30 (YTD Data)		Rank
Total interest income	$10,281,000	2,749
Total interest expense	$5,141,000	2,328
Net interest income	$5,140,000	3,131
Provision for loan and lease losses	$423,000	2,989
Total noninterest income	$2,075,000	1,729
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$646,000	2,004
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,429,000	1,408
Total noninterest expense	$5,056,000	2,758
Salaries and employee benefits	$2,216,000	3,340
Premises and equipment expense	$679,000	2,881
Additional noninterest expense	$2,161,000	2,017
Pre-tax net operating income	$1,736,000	2,545
Securities gains (losses)	$2,000	2,845
Applicable income taxes	$517,000	1,858
Income before extraordinary items	$1,221,000	2,725
Extraordinary gains, net	$0	31
Net income	$1,221,000	2,721
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$154,000	3,362
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,219,600	2,868
2008-06-30 (YTD Data)		Rank
Total interest income	$6,831,000	2,789
Total interest expense	$3,486,000	2,379
Net interest income	$3,345,000	3,196
Provision for loan and lease losses	$219,000	3,018
Total noninterest income	$1,118,000	2,063
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$405,000	2,095
Trading account gains and fees	$0	149
Additional Noninterest Income	$713,000	1,760
Total noninterest expense	$3,379,000	2,754
Salaries and employee benefits	$1,474,000	3,375
Premises and equipment expense	$465,000	2,814
Additional noninterest expense	$1,440,000	1,999
Pre-tax net operating income	$865,000	3,262
Securities gains (losses)	$8,000	2,549
Applicable income taxes	$215,000	2,593
Income before extraordinary items	$658,000	3,437
Extraordinary gains, net	$0	21
Net income	$658,000	3,438
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,802
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$652,000	3,411
2008-03-31 (YTD Data)		Rank
Total interest income	$3,400,000	2,869
Total interest expense	$1,811,000	2,443
Net interest income	$1,589,000	3,351
Provision for loan and lease losses	$167,000	2,012
Total noninterest income	$512,000	2,207
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$186,000	2,212
Trading account gains and fees	$0	158
Additional Noninterest Income	$326,000	1,871
Total noninterest expense	$1,707,000	2,731
Salaries and employee benefits	$753,000	3,341
Premises and equipment expense	$235,000	2,800
Additional noninterest expense	$719,000	1,959
Pre-tax net operating income	$227,000	4,725
Securities gains (losses)	$-12,000	8,333
Applicable income taxes	$22,000	4,307
Income before extraordinary items	$193,000	4,735
Extraordinary gains, net	$0	15
Net income	$193,000	4,738
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	3,100
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$203,800	4,531
2007-12-31 (YTD Data)		Rank
Total interest income	$13,217,000	3,015
Total interest expense	$7,039,000	2,612
Net interest income	$6,178,000	3,433
Provision for loan and lease losses	$750,000	1,744
Total noninterest income	$2,414,000	1,941
Gross Fiduciary activities income	$1,000	1,439
Service charges on deposit accounts	$778,000	2,190
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,635,000	1,577
Total noninterest expense	$6,550,000	2,735
Salaries and employee benefits	$2,878,000	3,331
Premises and equipment expense	$971,000	2,641
Additional noninterest expense	$2,701,000	2,035
Pre-tax net operating income	$1,292,000	4,203
Securities gains (losses)	$17,000	1,155
Applicable income taxes	$254,000	3,594
Income before extraordinary items	$1,055,000	4,194
Extraordinary gains, net	$0	39
Net income	$1,055,000	4,196
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$612,000	1,467
Cash dividends	$1,100,000	2,478
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,041,230	4,217
2007-09-30 (YTD Data)		Rank
Total interest income	$9,770,000	3,050
Total interest expense	$5,128,000	2,688
Net interest income	$4,642,000	3,428
Provision for loan and lease losses	$506,000	1,555
Total noninterest income	$1,733,000	2,005
Gross Fiduciary activities income	$1,000	1,384
Service charges on deposit accounts	$558,000	2,238
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,174,000	1,618
Total noninterest expense	$5,036,000	2,673
Salaries and employee benefits	$2,264,000	3,197
Premises and equipment expense	$705,000	2,696
Additional noninterest expense	$2,067,000	1,950
Pre-tax net operating income	$833,000	4,754
Securities gains (losses)	$17,000	863
Applicable income taxes	$144,000	4,082
Income before extraordinary items	$706,000	4,639
Extraordinary gains, net	$0	33
Net income	$706,000	4,638
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$437,000	1,193
Cash dividends	$1,100,000	1,854
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$691,890	4,681
2007-06-30 (YTD Data)		Rank
Total interest income	$6,375,000	3,120
Total interest expense	$3,246,000	2,801
Net interest income	$3,129,000	3,426
Provision for loan and lease losses	$449,000	1,137
Total noninterest income	$1,117,000	2,069
Gross Fiduciary activities income	$1,000	1,345
Service charges on deposit accounts	$363,000	2,287
Trading account gains and fees	$0	168
Additional Noninterest Income	$753,000	1,678
Total noninterest expense	$3,418,000	2,652
Salaries and employee benefits	$1,497,000	3,246
Premises and equipment expense	$486,000	2,651
Additional noninterest expense	$1,435,000	1,892
Pre-tax net operating income	$379,000	5,623
Securities gains (losses)	$13,000	798
Applicable income taxes	$31,000	5,092
Income before extraordinary items	$361,000	5,292
Extraordinary gains, net	$0	29
Net income	$361,000	5,292
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$425,000	800
Cash dividends	$1,100,000	1,408
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$349,040	5,339
2007-03-31 (YTD Data)		Rank
Total interest income	$3,170,000	3,122
Total interest expense	$1,588,000	2,846
Net interest income	$1,582,000	3,394
Provision for loan and lease losses	$137,000	1,602
Total noninterest income	$541,000	2,100
Gross Fiduciary activities income	$1,000	1,263
Service charges on deposit accounts	$174,000	2,309
Trading account gains and fees	$0	195
Additional Noninterest Income	$366,000	1,703
Total noninterest expense	$1,683,000	2,697
Salaries and employee benefits	$759,000	3,235
Premises and equipment expense	$237,000	2,713
Additional noninterest expense	$687,000	1,935
Pre-tax net operating income	$303,000	4,622
Securities gains (losses)	$0	1,187
Applicable income taxes	$56,000	3,993
Income before extraordinary items	$247,000	4,589
Extraordinary gains, net	$0	22
Net income	$247,000	4,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	2,225
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$247,000	4,575
2006-12-31 (YTD Data)		Rank
Total interest income	$11,945,000	3,100
Total interest expense	$5,638,000	2,735
Net interest income	$6,307,000	3,398
Provision for loan and lease losses	$364,000	2,439
Total noninterest income	$2,172,000	2,101
Gross Fiduciary activities income	$11,000	1,257
Service charges on deposit accounts	$749,000	2,236
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,412,000	1,737
Total noninterest expense	$6,474,000	2,699
Salaries and employee benefits	$2,915,000	3,213
Premises and equipment expense	$985,000	2,512
Additional noninterest expense	$2,574,000	2,053
Pre-tax net operating income	$1,641,000	4,095
Securities gains (losses)	$0	1,687
Applicable income taxes	$389,000	3,469
Income before extraordinary items	$1,252,000	4,188
Extraordinary gains, net	$0	51
Net income	$1,252,000	4,188
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$292,000	1,710
Cash dividends	$625,000	3,377
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,252,000	4,160
2006-09-30 (YTD Data)		Rank
Total interest income	$8,824,000	3,121
Total interest expense	$4,061,000	2,741
Net interest income	$4,763,000	3,402
Provision for loan and lease losses	$147,000	3,454
Total noninterest income	$1,594,000	2,136
Gross Fiduciary activities income	$8,000	1,232
Service charges on deposit accounts	$562,000	2,252
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,024,000	1,786
Total noninterest expense	$4,927,000	2,664
Salaries and employee benefits	$2,215,000	3,165
Premises and equipment expense	$740,000	2,503
Additional noninterest expense	$1,972,000	1,974
Pre-tax net operating income	$1,283,000	4,140
Securities gains (losses)	$0	1,388
Applicable income taxes	$310,000	3,537
Income before extraordinary items	$973,000	4,238
Extraordinary gains, net	$0	45
Net income	$973,000	4,241
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$285,000	1,185
Cash dividends	$375,000	3,355
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$973,000	4,223
2006-06-30 (YTD Data)		Rank
Total interest income	$5,684,000	3,167
Total interest expense	$2,538,000	2,783
Net interest income	$3,146,000	3,432
Provision for loan and lease losses	$288,000	1,581
Total noninterest income	$1,013,000	2,198
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$361,000	2,289
Trading account gains and fees	$0	126
Additional Noninterest Income	$652,000	1,859
Total noninterest expense	$3,287,000	2,673
Salaries and employee benefits	$1,463,000	3,193
Premises and equipment expense	$504,000	2,449
Additional noninterest expense	$1,320,000	1,987
Pre-tax net operating income	$584,000	5,058
Securities gains (losses)	$0	1,185
Applicable income taxes	$105,000	4,457
Income before extraordinary items	$479,000	4,993
Extraordinary gains, net	$0	39
Net income	$479,000	4,998
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$270,000	899
Cash dividends	$250,000	3,368
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$479,000	4,984
2006-03-31 (YTD Data)		Rank
Total interest income	$2,735,000	3,215
Total interest expense	$1,201,000	2,805
Net interest income	$1,534,000	3,483
Provision for loan and lease losses	$102,000	1,973
Total noninterest income	$446,000	2,364
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$171,000	2,326
Trading account gains and fees	$0	115
Additional Noninterest Income	$275,000	2,059
Total noninterest expense	$1,652,000	2,663
Salaries and employee benefits	$738,000	3,192
Premises and equipment expense	$255,000	2,433
Additional noninterest expense	$659,000	1,972
Pre-tax net operating income	$226,000	5,571
Securities gains (losses)	$0	955
Applicable income taxes	$27,000	5,120
Income before extraordinary items	$199,000	5,364
Extraordinary gains, net	$0	21
Net income	$199,000	5,363
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	1,771
Cash dividends	$125,000	2,884
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$199,000	5,370
2005-12-31 (YTD Data)		Rank
Total interest income	$10,462,000	3,038
Total interest expense	$4,178,000	2,555
Net interest income	$6,284,000	3,304
Provision for loan and lease losses	$260,000	3,084
Total noninterest income	$1,935,000	2,270
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$656,000	2,468
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,279,000	1,870
Total noninterest expense	$5,741,000	2,855
Salaries and employee benefits	$2,603,000	3,367
Premises and equipment expense	$914,000	2,562
Additional noninterest expense	$2,224,000	2,253
Pre-tax net operating income	$2,218,000	3,436
Securities gains (losses)	$0	2,296
Applicable income taxes	$610,000	3,050
Income before extraordinary items	$1,608,000	3,618
Extraordinary gains, net	$0	46
Net income	$1,608,000	3,619
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$116,000	3,121
Cash dividends	$300,000	4,372
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,608,000	3,597
2005-09-30 (YTD Data)		Rank
Total interest income	$7,684,000	3,043
Total interest expense	$2,945,000	2,576
Net interest income	$4,739,000	3,282
Provision for loan and lease losses	$223,000	2,789
Total noninterest income	$1,458,000	2,257
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$477,000	2,535
Trading account gains and fees	$0	126
Additional Noninterest Income	$981,000	1,842
Total noninterest expense	$4,249,000	2,862
Salaries and employee benefits	$1,917,000	3,409
Premises and equipment expense	$670,000	2,600
Additional noninterest expense	$1,662,000	2,228
Pre-tax net operating income	$1,725,000	3,413
Securities gains (losses)	$0	2,317
Applicable income taxes	$479,000	3,022
Income before extraordinary items	$1,246,000	3,571
Extraordinary gains, net	$0	35
Net income	$1,246,000	3,572
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	2,846
Cash dividends	$300,000	3,493
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,246,000	3,540
2005-06-30 (YTD Data)		Rank
Total interest income	$5,011,000	3,024
Total interest expense	$1,859,000	2,563
Net interest income	$3,152,000	3,275
Provision for loan and lease losses	$355,000	1,319
Total noninterest income	$956,000	2,255
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$306,000	2,582
Trading account gains and fees	$0	116
Additional Noninterest Income	$650,000	1,824
Total noninterest expense	$2,771,000	2,914
Salaries and employee benefits	$1,254,000	3,427
Premises and equipment expense	$451,000	2,574
Additional noninterest expense	$1,066,000	2,288
Pre-tax net operating income	$982,000	3,764
Securities gains (losses)	$0	2,146
Applicable income taxes	$253,000	3,394
Income before extraordinary items	$729,000	3,875
Extraordinary gains, net	$0	30
Net income	$729,000	3,877
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	3,677
Cash dividends	$200,000	3,480
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$729,000	3,819
2005-03-31 (YTD Data)		Rank
Total interest income	$2,437,000	3,059
Total interest expense	$876,000	2,595
Net interest income	$1,561,000	3,302
Provision for loan and lease losses	$206,000	1,109
Total noninterest income	$462,000	2,255
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$147,000	2,603
Trading account gains and fees	$0	115
Additional Noninterest Income	$315,000	1,843
Total noninterest expense	$1,363,000	2,962
Salaries and employee benefits	$595,000	3,593
Premises and equipment expense	$239,000	2,451
Additional noninterest expense	$529,000	2,306
Pre-tax net operating income	$454,000	3,934
Securities gains (losses)	$0	1,685
Applicable income taxes	$112,000	3,590
Income before extraordinary items	$342,000	4,012
Extraordinary gains, net	$0	24
Net income	$342,000	4,014
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	3,609
Cash dividends	$100,000	2,899
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$342,000	3,966
2004-12-31 (YTD Data)		Rank
Total interest income	$8,933,000	3,120
Total interest expense	$3,120,000	2,538
Net interest income	$5,813,000	3,375
Provision for loan and lease losses	$444,000	2,170
Total noninterest income	$1,974,000	2,217
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$658,000	2,514
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,316,000	1,788
Total noninterest expense	$5,076,000	3,068
Salaries and employee benefits	$2,338,000	3,528
Premises and equipment expense	$825,000	2,713
Additional noninterest expense	$1,913,000	2,521
Pre-tax net operating income	$2,267,000	3,227
Securities gains (losses)	$161,000	951
Applicable income taxes	$696,000	2,779
Income before extraordinary items	$1,732,000	3,267
Extraordinary gains, net	$0	34
Net income	$1,732,000	3,265
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$202,000	2,569
Cash dividends	$500,000	3,518
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,617,690	3,375
2004-09-30 (YTD Data)		Rank
Total interest income	$6,506,000	3,171
Total interest expense	$2,259,000	2,584
Net interest income	$4,247,000	3,427
Provision for loan and lease losses	$200,000	2,980
Total noninterest income	$1,500,000	2,209
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$499,000	2,500
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,001,000	1,766
Total noninterest expense	$3,807,000	3,039
Salaries and employee benefits	$1,794,000	3,435
Premises and equipment expense	$628,000	2,673
Additional noninterest expense	$1,385,000	2,561
Pre-tax net operating income	$1,740,000	3,226
Securities gains (losses)	$161,000	892
Applicable income taxes	$557,000	2,709
Income before extraordinary items	$1,344,000	3,251
Extraordinary gains, net	$0	26
Net income	$1,344,000	3,252
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	3,770
Cash dividends	$500,000	2,672
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,229,690	3,396
2004-06-30 (YTD Data)		Rank
Total interest income	$4,189,000	3,267
Total interest expense	$1,473,000	2,616
Net interest income	$2,716,000	3,534
Provision for loan and lease losses	$122,000	3,079
Total noninterest income	$979,000	2,228
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$319,000	2,578
Trading account gains and fees	$0	130
Additional Noninterest Income	$660,000	1,798
Total noninterest expense	$2,499,000	3,095
Salaries and employee benefits	$1,184,000	3,489
Premises and equipment expense	$418,000	2,686
Additional noninterest expense	$897,000	2,629
Pre-tax net operating income	$1,074,000	3,367
Securities gains (losses)	$161,000	749
Applicable income taxes	$358,000	2,760
Income before extraordinary items	$877,000	3,290
Extraordinary gains, net	$0	21
Net income	$877,000	3,290
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	3,563
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$762,690	3,556
2004-03-31 (YTD Data)		Rank
Total interest income	$2,168,000	3,161
Total interest expense	$743,000	2,629
Net interest income	$1,425,000	3,389
Provision for loan and lease losses	$79,000	2,509
Total noninterest income	$466,000	2,268
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$152,000	2,644
Trading account gains and fees	$0	121
Additional Noninterest Income	$314,000	1,830
Total noninterest expense	$1,224,000	3,163
Salaries and employee benefits	$597,000	3,474
Premises and equipment expense	$204,000	2,769
Additional noninterest expense	$423,000	2,753
Pre-tax net operating income	$588,000	3,125
Securities gains (losses)	$36,000	1,385
Applicable income taxes	$181,000	2,741
Income before extraordinary items	$443,000	3,236
Extraordinary gains, net	$0	16
Net income	$443,000	3,236
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	3,775
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$417,440	3,274
2003-12-31 (YTD Data)		Rank
Total interest income	$7,993,000	3,450
Total interest expense	$3,271,000	2,653
Net interest income	$4,722,000	3,850
Provision for loan and lease losses	$262,000	3,458
Total noninterest income	$2,400,000	2,018
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$565,000	2,818
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,835,000	1,564
Total noninterest expense	$4,673,000	3,244
Salaries and employee benefits	$2,275,000	3,534
Premises and equipment expense	$771,000	2,846
Additional noninterest expense	$1,627,000	2,861
Pre-tax net operating income	$2,187,000	3,185
Securities gains (losses)	$103,000	1,867
Applicable income taxes	$667,000	2,874
Income before extraordinary items	$1,623,000	3,352
Extraordinary gains, net	$0	54
Net income	$1,623,000	3,353
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	5,313
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,549,870	3,315
2003-09-30 (YTD Data)		Rank
Total interest income	$5,869,000	3,550
Total interest expense	$2,478,000	2,708
Net interest income	$3,391,000	4,009
Provision for loan and lease losses	$176,000	3,636
Total noninterest income	$1,966,000	1,936
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$413,000	2,887
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,553,000	1,502
Total noninterest expense	$3,506,000	3,227
Salaries and employee benefits	$1,702,000	3,519
Premises and equipment expense	$605,000	2,750
Additional noninterest expense	$1,199,000	2,883
Pre-tax net operating income	$1,675,000	3,249
Securities gains (losses)	$103,000	1,721
Applicable income taxes	$527,000	2,938
Income before extraordinary items	$1,251,000	3,385
Extraordinary gains, net	$0	40
Net income	$1,251,000	3,384
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	5,062
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,178,900	3,382
2003-06-30 (YTD Data)		Rank
Total interest income	$3,991,000	3,527
Total interest expense	$1,699,000	2,718
Net interest income	$2,292,000	3,969
Provision for loan and lease losses	$166,000	2,852
Total noninterest income	$1,235,000	2,011
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$270,000	2,889
Trading account gains and fees	$0	150
Additional Noninterest Income	$965,000	1,559
Total noninterest expense	$2,329,000	3,244
Salaries and employee benefits	$1,123,000	3,546
Premises and equipment expense	$406,000	2,724
Additional noninterest expense	$800,000	2,869
Pre-tax net operating income	$1,032,000	3,451
Securities gains (losses)	$103,000	1,487
Applicable income taxes	$337,000	3,021
Income before extraordinary items	$798,000	3,516
Extraordinary gains, net	$0	30
Net income	$798,000	3,516
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	4,662
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$725,900	3,574
2003-03-31 (YTD Data)		Rank
Total interest income	$2,077,000	3,417
Total interest expense	$847,000	2,787
Net interest income	$1,230,000	3,741
Provision for loan and lease losses	$101,000	2,348
Total noninterest income	$526,000	2,204
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$118,000	3,121
Trading account gains and fees	$0	134
Additional Noninterest Income	$408,000	1,713
Total noninterest expense	$1,136,000	3,297
Salaries and employee benefits	$553,000	3,590
Premises and equipment expense	$196,000	2,805
Additional noninterest expense	$387,000	2,937
Pre-tax net operating income	$519,000	3,406
Securities gains (losses)	$87,000	1,078
Applicable income taxes	$184,000	2,846
Income before extraordinary items	$422,000	3,338
Extraordinary gains, net	$0	21
Net income	$422,000	3,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	3,694
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$361,100	3,553
2002-12-31 (YTD Data)		Rank
Total interest income	$7,705,000	3,769
Total interest expense	$3,477,000	3,120
Net interest income	$4,228,000	4,176
Provision for loan and lease losses	$260,000	3,766
Total noninterest income	$2,000,000	2,126
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$522,000	2,869
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,478,000	1,664
Total noninterest expense	$4,277,000	3,369
Salaries and employee benefits	$2,095,000	3,595
Premises and equipment expense	$736,000	2,869
Additional noninterest expense	$1,446,000	3,039
Pre-tax net operating income	$1,691,000	3,803
Securities gains (losses)	$32,000	2,782
Applicable income taxes	$519,000	3,373
Income before extraordinary items	$1,204,000	4,081
Extraordinary gains, net	$0	70
Net income	$1,204,000	4,082
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,727
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,181,600	4,022
2001-12-31 (YTD Data)		Rank
Total interest income	$7,705,000	4,151
Total interest expense	$4,476,000	3,469
Net interest income	$3,229,000	4,812
Provision for loan and lease losses	$96,000	5,687
Total noninterest income	$1,465,000	2,555
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$308,000	4,094
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,157,000	1,842
Total noninterest expense	$3,881,000	3,523
Salaries and employee benefits	$1,858,000	3,812
Premises and equipment expense	$755,000	2,774
Additional noninterest expense	$1,268,000	3,324
Pre-tax net operating income	$717,000	5,760
Securities gains (losses)	$86,000	1,877
Applicable income taxes	$285,000	4,374
Income before extraordinary items	$518,000	5,975
Extraordinary gains, net	$0	105
Net income	$518,000	5,976
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,011
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$462,100	6,128
2000-12-31 (YTD Data)		Rank
Total interest income	$6,425,000	4,866
Total interest expense	$3,859,000	4,088
Net interest income	$2,566,000	5,708
Provision for loan and lease losses	$216,000	3,567
Total noninterest income	$1,165,000	2,825
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$165,000	5,560
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,000,000	1,857
Total noninterest expense	$3,809,000	3,460
Salaries and employee benefits	$1,986,000	3,486
Premises and equipment expense	$736,000	2,756
Additional noninterest expense	$1,087,000	3,730
Pre-tax net operating income	$-294,000	9,410
Securities gains (losses)	$-10,000	8,341
Applicable income taxes	$-153,000	9,651
Income before extraordinary items	$-151,000	9,322
Extraordinary gains, net	$0	38
Net income	$-151,000	9,321
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	6,747
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-144,600	9,311
1999-12-31 (YTD Data)		Rank
Total interest income	$4,512,000	5,929
Total interest expense	$2,588,000	5,095
Net interest income	$1,924,000	6,780
Provision for loan and lease losses	$194,000	3,629
Total noninterest income	$923,000	3,294
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	6,689
Trading account gains and fees	NA	NA
Additional Noninterest Income	$822,000	2,127
Total noninterest expense	$3,063,000	4,138
Salaries and employee benefits	$1,735,000	3,862
Premises and equipment expense	$433,000	4,251
Additional noninterest expense	$895,000	4,401
Pre-tax net operating income	$-410,000	9,787
Securities gains (losses)	$8,000	1,870
Applicable income taxes	$-173,000	10,006
Income before extraordinary items	$-229,000	9,704
Extraordinary gains, net	$0	35
Net income	$-229,000	9,703
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	5,687
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-234,120	9,688
1998-12-31 (YTD Data)		Rank
Total interest income	$3,906,000	6,557
Total interest expense	$2,379,000	5,555
Net interest income	$1,527,000	7,632
Provision for loan and lease losses	$64,000	6,030
Total noninterest income	$697,000	4,001
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	8,070
Trading account gains and fees	NA	NA
Additional Noninterest Income	$648,000	2,519
Total noninterest expense	$2,102,000	5,402
Salaries and employee benefits	$1,198,000	5,075
Premises and equipment expense	$293,000	5,454
Additional noninterest expense	$611,000	5,688
Pre-tax net operating income	$58,000	9,590
Securities gains (losses)	$22,000	2,353
Applicable income taxes	$10,000	9,075
Income before extraordinary items	$70,000	9,516
Extraordinary gains, net	$0	32
Net income	$70,000	9,516
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$50,860	9,562
1997-12-31 (YTD Data)		Rank
Total interest income	$2,580,000	8,272
Total interest expense	$1,576,000	7,161
Net interest income	$1,004,000	9,175
Provision for loan and lease losses	$214,000	3,302
Total noninterest income	$274,000	6,963
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$28,000	8,963
Trading account gains and fees	NA	NA
Additional Noninterest Income	$246,000	4,403
Total noninterest expense	$1,755,000	6,169
Salaries and employee benefits	$1,059,000	5,645
Premises and equipment expense	$201,000	6,835
Additional noninterest expense	$495,000	6,539
Pre-tax net operating income	$-691,000	10,798
Securities gains (losses)	$3,000	3,097
Applicable income taxes	$-287,000	10,821
Income before extraordinary items	$-401,000	10,725
Extraordinary gains, net	$0	44
Net income	$-401,000	10,725
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-402,920	10,707
1996-12-31 (YTD Data)		Rank
Total interest income	$936,000	10,896
Total interest expense	$529,000	10,498
Net interest income	$407,000	11,073
Provision for loan and lease losses	$134,000	4,364
Total noninterest income	$84,000	10,213
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$11,000	9,736
Trading account gains and fees	NA	NA
Additional Noninterest Income	$73,000	7,979
Total noninterest expense	$1,428,000	7,314
Salaries and employee benefits	$765,000	7,166
Premises and equipment expense	$174,000	7,546
Additional noninterest expense	$489,000	7,150
Pre-tax net operating income	$-1,071,000	11,346
Securities gains (losses)	$4,000	3,123
Applicable income taxes	$-419,000	11,336
Income before extraordinary items	$-648,000	11,303
Extraordinary gains, net	$0	53
Net income	$-648,000	11,303
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-650,560	11,280
1995-12-31 (YTD Data)		Rank
Total interest income	$43,000	11,956
Total interest expense	$5,000	11,941
Net interest income	$38,000	11,951
Provision for loan and lease losses	$8,000	8,490
Total noninterest income	$0	11,937
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	10,339
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	11,920
Total noninterest expense	$514,000	10,959
Salaries and employee benefits	$233,000	11,285
Premises and equipment expense	$91,000	9,885
Additional noninterest expense	$190,000	10,543
Pre-tax net operating income	$-484,000	11,788
Securities gains (losses)	$0	3,831
Applicable income taxes	$-188,000	11,786
Income before extraordinary items	$-296,000	11,729
Extraordinary gains, net	$0	65
Net income	$-296,000	11,726
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$3,982,000	130
Net operating income	$-296,000	11,720

* 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.