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Islanders Bank, Income and Expense

2020-12-31 (YTD Data)		Rank
Total interest income	$11,094,000	2,363
Total interest expense	$419,000	4,016
Net interest income	$10,675,000	2,155
Provision for loan and lease losses	$623,000	2,030
Total noninterest income	$722,000	3,245
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$203,000	2,757
Trading account gains and fees	$0	133
Additional Noninterest Income	$519,000	3,121
Total noninterest expense	$7,150,000	2,421
Salaries and employee benefits	$4,352,000	2,357
Premises and equipment expense	$512,000	3,012
Additional noninterest expense	$2,286,000	2,321
Pre-tax net operating income	$3,624,000	2,176
Securities gains (losses)	$0	2,675
Applicable income taxes	$567,000	1,853
Income before extraordinary items	$3,057,000	2,290
Extraordinary gains, net	$0	4
Net income	$3,057,000	2,290
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,057,000	2,290
Net charge-offs	$40,000	2,524
Cash dividends	$10,908,000	429
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$3,057,000	2,237
2020-09-30 (YTD Data)		Rank
Total interest income	$8,503,000	2,344
Total interest expense	$308,000	4,103
Net interest income	$8,195,000	2,099
Provision for loan and lease losses	$366,000	2,244
Total noninterest income	$541,000	3,218
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$157,000	2,733
Trading account gains and fees	$0	125
Additional Noninterest Income	$384,000	3,095
Total noninterest expense	$5,098,000	2,480
Salaries and employee benefits	$2,982,000	2,469
Premises and equipment expense	$374,000	3,070
Additional noninterest expense	$1,742,000	2,278
Pre-tax net operating income	$3,272,000	1,933
Securities gains (losses)	$0	2,494
Applicable income taxes	$555,000	1,657
Income before extraordinary items	$2,717,000	2,028
Extraordinary gains, net	$0	4
Net income	$2,717,000	2,028
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,717,000	2,028
Net charge-offs	$-12,000	4,294
Cash dividends	$10,473,000	345
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,717,000	1,972
2020-06-30 (YTD Data)		Rank
Total interest income	$5,817,000	2,336
Total interest expense	$204,000	4,189
Net interest income	$5,613,000	2,069
Provision for loan and lease losses	$281,000	2,122
Total noninterest income	$362,000	3,187
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$117,000	2,601
Trading account gains and fees	$0	123
Additional Noninterest Income	$245,000	3,110
Total noninterest expense	$3,462,000	2,467
Salaries and employee benefits	$2,024,000	2,449
Premises and equipment expense	$252,000	3,043
Additional noninterest expense	$1,186,000	2,230
Pre-tax net operating income	$2,232,000	1,851
Securities gains (losses)	$0	2,249
Applicable income taxes	$386,000	1,559
Income before extraordinary items	$1,846,000	1,937
Extraordinary gains, net	$0	4
Net income	$1,846,000	1,935
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,846,000	1,937
Net charge-offs	$-12,000	4,373
Cash dividends	$10,473,000	268
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,846,000	1,906
2020-03-31 (YTD Data)		Rank
Total interest income	$3,022,000	2,248
Total interest expense	$103,000	4,284
Net interest income	$2,919,000	1,962
Provision for loan and lease losses	$9,000	3,440
Total noninterest income	$201,000	3,008
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$74,000	2,540
Trading account gains and fees	$0	106
Additional Noninterest Income	$127,000	2,924
Total noninterest expense	$1,734,000	2,478
Salaries and employee benefits	$994,000	2,499
Premises and equipment expense	$128,000	3,043
Additional noninterest expense	$612,000	2,216
Pre-tax net operating income	$1,377,000	1,413
Securities gains (losses)	$0	1,705
Applicable income taxes	$249,000	1,230
Income before extraordinary items	$1,128,000	1,501
Extraordinary gains, net	$0	4
Net income	$1,128,000	1,499
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,128,000	1,501
Net charge-offs	$-3,000	4,005
Cash dividends	$6,564,000	260
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,128,000	1,478
2019-12-31 (YTD Data)		Rank
Total interest income	$12,256,000	2,245
Total interest expense	$372,000	4,406
Net interest income	$11,884,000	1,941
Provision for loan and lease losses	$180,000	2,435
Total noninterest income	$998,000	2,821
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$261,000	2,815
Trading account gains and fees	$0	135
Additional Noninterest Income	$737,000	2,590
Total noninterest expense	$6,712,000	2,520
Salaries and employee benefits	$3,856,000	2,518
Premises and equipment expense	$507,000	3,074
Additional noninterest expense	$2,349,000	2,308
Pre-tax net operating income	$5,990,000	1,536
Securities gains (losses)	$-1,000	4,531
Applicable income taxes	$1,073,000	1,367
Income before extraordinary items	$4,916,000	1,626
Extraordinary gains, net	$0	11
Net income	$4,916,000	1,628
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,916,000	1,628
Net charge-offs	$108,000	2,160
Cash dividends	$2,458,000	1,395
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,916,820	1,585
2019-09-30 (YTD Data)		Rank
Total interest income	$9,185,000	2,279
Total interest expense	$272,000	4,478
Net interest income	$8,913,000	1,962
Provision for loan and lease losses	$135,000	2,339
Total noninterest income	$801,000	2,746
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$197,000	2,834
Trading account gains and fees	$0	129
Additional Noninterest Income	$604,000	2,492
Total noninterest expense	$5,015,000	2,534
Salaries and employee benefits	$2,929,000	2,492
Premises and equipment expense	$363,000	3,180
Additional noninterest expense	$1,723,000	2,338
Pre-tax net operating income	$4,564,000	1,561
Securities gains (losses)	$-1,000	4,641
Applicable income taxes	$832,000	1,387
Income before extraordinary items	$3,731,000	1,628
Extraordinary gains, net	$0	11
Net income	$3,731,000	1,628
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,731,000	1,629
Net charge-offs	$110,000	1,703
Cash dividends	$1,865,000	1,266
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,731,820	1,592
2019-06-30 (YTD Data)		Rank
Total interest income	$6,071,000	2,295
Total interest expense	$178,000	4,510
Net interest income	$5,893,000	1,973
Provision for loan and lease losses	$90,000	2,284
Total noninterest income	$557,000	2,664
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$136,000	2,789
Trading account gains and fees	$0	131
Additional Noninterest Income	$421,000	2,410
Total noninterest expense	$3,378,000	2,537
Salaries and employee benefits	$1,997,000	2,464
Premises and equipment expense	$240,000	3,196
Additional noninterest expense	$1,141,000	2,370
Pre-tax net operating income	$2,982,000	1,558
Securities gains (losses)	$1,000	1,602
Applicable income taxes	$540,000	1,387
Income before extraordinary items	$2,443,000	1,638
Extraordinary gains, net	$0	11
Net income	$2,443,000	1,639
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,443,000	1,639
Net charge-offs	$103,000	1,393
Cash dividends	$1,221,000	1,269
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,442,180	1,607
2019-03-31 (YTD Data)		Rank
Total interest income	$3,008,000	2,308
Total interest expense	$89,000	4,517
Net interest income	$2,919,000	2,000
Provision for loan and lease losses	$45,000	2,137
Total noninterest income	$257,000	2,714
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$65,000	2,860
Trading account gains and fees	$0	126
Additional Noninterest Income	$192,000	2,442
Total noninterest expense	$1,684,000	2,555
Salaries and employee benefits	$1,006,000	2,475
Premises and equipment expense	$116,000	3,295
Additional noninterest expense	$562,000	2,382
Pre-tax net operating income	$1,447,000	1,573
Securities gains (losses)	$1,000	1,020
Applicable income taxes	$260,000	1,372
Income before extraordinary items	$1,188,000	1,640
Extraordinary gains, net	$0	5
Net income	$1,188,000	1,638
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,188,000	1,639
Net charge-offs	$-3,000	4,217
Cash dividends	$594,000	1,211
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,187,180	1,620
2018-12-31 (YTD Data)		Rank
Total interest income	$11,754,000	2,248
Total interest expense	$261,000	4,634
Net interest income	$11,493,000	2,015
Provision for loan and lease losses	$90,000	3,141
Total noninterest income	$1,241,000	2,568
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$292,000	2,786
Trading account gains and fees	$0	126
Additional Noninterest Income	$949,000	2,306
Total noninterest expense	$6,739,000	2,526
Salaries and employee benefits	$3,907,000	2,491
Premises and equipment expense	$474,000	3,249
Additional noninterest expense	$2,358,000	2,317
Pre-tax net operating income	$5,905,000	1,534
Securities gains (losses)	$-11,000	4,441
Applicable income taxes	$1,017,000	1,377
Income before extraordinary items	$4,877,000	1,614
Extraordinary gains, net	$0	6
Net income	$4,877,000	1,613
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,877,000	1,613
Net charge-offs	$17,000	3,165
Cash dividends	$2,439,000	1,281
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,886,130	1,608
2018-09-30 (YTD Data)		Rank
Total interest income	$8,544,000	2,290
Total interest expense	$184,000	4,697
Net interest income	$8,360,000	2,066
Provision for loan and lease losses	$90,000	2,683
Total noninterest income	$959,000	2,568
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$222,000	2,781
Trading account gains and fees	$0	138
Additional Noninterest Income	$737,000	2,283
Total noninterest expense	$4,999,000	2,555
Salaries and employee benefits	$2,929,000	2,490
Premises and equipment expense	$342,000	3,357
Additional noninterest expense	$1,728,000	2,350
Pre-tax net operating income	$4,230,000	1,610
Securities gains (losses)	$-1,000	4,378
Applicable income taxes	$731,000	1,456
Income before extraordinary items	$3,498,000	1,682
Extraordinary gains, net	$0	5
Net income	$3,498,000	1,681
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,498,000	1,681
Net charge-offs	$7,000	3,112
Cash dividends	$1,749,000	1,184
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,498,830	1,670
2018-06-30 (YTD Data)		Rank
Total interest income	$5,535,000	2,329
Total interest expense	$120,000	4,710
Net interest income	$5,415,000	2,111
Provision for loan and lease losses	$90,000	2,265
Total noninterest income	$645,000	2,557
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$156,000	2,700
Trading account gains and fees	$0	130
Additional Noninterest Income	$489,000	2,285
Total noninterest expense	$3,257,000	2,603
Salaries and employee benefits	$1,958,000	2,497
Premises and equipment expense	$223,000	3,417
Additional noninterest expense	$1,076,000	2,474
Pre-tax net operating income	$2,713,000	1,640
Securities gains (losses)	$-1,000	4,637
Applicable income taxes	$464,000	1,474
Income before extraordinary items	$2,248,000	1,726
Extraordinary gains, net	$0	6
Net income	$2,248,000	1,725
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,248,000	1,725
Net charge-offs	$7,000	2,719
Cash dividends	$1,124,000	1,203
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,248,830	1,718
2018-03-31 (YTD Data)		Rank
Total interest income	$2,718,000	2,352
Total interest expense	$60,000	4,711
Net interest income	$2,658,000	2,145
Provision for loan and lease losses	$60,000	1,880
Total noninterest income	$284,000	2,694
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$81,000	2,647
Trading account gains and fees	$0	123
Additional Noninterest Income	$203,000	2,468
Total noninterest expense	$1,582,000	2,684
Salaries and employee benefits	$947,000	2,589
Premises and equipment expense	$107,000	3,528
Additional noninterest expense	$528,000	2,537
Pre-tax net operating income	$1,300,000	1,672
Securities gains (losses)	$0	735
Applicable income taxes	$218,000	1,494
Income before extraordinary items	$1,082,000	1,729
Extraordinary gains, net	$0	7
Net income	$1,082,000	1,729
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,082,000	1,729
Net charge-offs	$8,000	2,040
Cash dividends	$541,000	1,125
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,082,000	1,715
2017-12-31 (YTD Data)		Rank
Total interest income	$10,732,000	2,306
Total interest expense	$238,000	4,680
Net interest income	$10,494,000	2,138
Provision for loan and lease losses	$240,000	2,185
Total noninterest income	$1,273,000	2,623
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$298,000	2,875
Trading account gains and fees	$0	151
Additional Noninterest Income	$975,000	2,326
Total noninterest expense	$6,510,000	2,628
Salaries and employee benefits	$3,763,000	2,571
Premises and equipment expense	$488,000	3,310
Additional noninterest expense	$2,259,000	2,438
Pre-tax net operating income	$5,017,000	1,704
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,756,000	1,393
Income before extraordinary items	$3,261,000	1,909
Extraordinary gains, net	$0	9
Net income	$3,261,000	1,909
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,261,000	1,910
Net charge-offs	$-13,000	4,860
Cash dividends	$6,631,000	518
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,261,000	1,888
2017-09-30 (YTD Data)		Rank
Total interest income	$7,928,000	2,331
Total interest expense	$176,000	4,727
Net interest income	$7,752,000	2,173
Provision for loan and lease losses	$195,000	2,058
Total noninterest income	$985,000	2,583
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$220,000	2,922
Trading account gains and fees	$0	145
Additional Noninterest Income	$765,000	2,296
Total noninterest expense	$4,878,000	2,641
Salaries and employee benefits	$2,880,000	2,538
Premises and equipment expense	$362,000	3,359
Additional noninterest expense	$1,636,000	2,508
Pre-tax net operating income	$3,664,000	1,766
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,112,000	1,379
Income before extraordinary items	$2,552,000	2,000
Extraordinary gains, net	$0	9
Net income	$2,552,000	1,999
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,552,000	2,000
Net charge-offs	$-12,000	4,797
Cash dividends	$6,276,000	413
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,552,000	1,968
2017-06-30 (YTD Data)		Rank
Total interest income	$5,186,000	2,356
Total interest expense	$117,000	4,734
Net interest income	$5,069,000	2,197
Provision for loan and lease losses	$150,000	1,808
Total noninterest income	$654,000	2,593
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$149,000	2,889
Trading account gains and fees	$0	139
Additional Noninterest Income	$505,000	2,315
Total noninterest expense	$3,270,000	2,637
Salaries and employee benefits	$1,977,000	2,512
Premises and equipment expense	$242,000	3,372
Additional noninterest expense	$1,051,000	2,575
Pre-tax net operating income	$2,303,000	1,817
Securities gains (losses)	$0	1,906
Applicable income taxes	$695,000	1,407
Income before extraordinary items	$1,608,000	2,037
Extraordinary gains, net	$0	11
Net income	$1,608,000	2,037
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,608,000	2,037
Net charge-offs	$-11,000	4,827
Cash dividends	$5,804,000	318
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,608,000	2,010
2017-03-31 (YTD Data)		Rank
Total interest income	$2,566,000	2,375
Total interest expense	$59,000	4,747
Net interest income	$2,507,000	2,221
Provision for loan and lease losses	$90,000	1,522
Total noninterest income	$350,000	2,509
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$75,000	2,881
Trading account gains and fees	$0	142
Additional Noninterest Income	$275,000	2,210
Total noninterest expense	$1,549,000	2,764
Salaries and employee benefits	$983,000	2,546
Premises and equipment expense	$121,000	3,418
Additional noninterest expense	$445,000	2,891
Pre-tax net operating income	$1,218,000	1,700
Securities gains (losses)	$0	1,153
Applicable income taxes	$373,000	1,312
Income before extraordinary items	$845,000	1,890
Extraordinary gains, net	$0	8
Net income	$845,000	1,890
Minority interest net income	$0	55
Net income of bank and minority interests.	$845,000	1,890
Net charge-offs	$-8,000	4,903
Cash dividends	$422,000	1,355
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$845,000	1,877
2016-12-31 (YTD Data)		Rank
Total interest income	$10,511,000	2,305
Total interest expense	$299,000	4,466
Net interest income	$10,212,000	2,143
Provision for loan and lease losses	$50,000	3,627
Total noninterest income	$1,239,000	2,734
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$263,000	3,177
Trading account gains and fees	$0	170
Additional Noninterest Income	$976,000	2,429
Total noninterest expense	$5,971,000	2,862
Salaries and employee benefits	$3,516,000	2,736
Premises and equipment expense	$493,000	3,410
Additional noninterest expense	$1,962,000	2,798
Pre-tax net operating income	$5,430,000	1,517
Securities gains (losses)	$22,000	2,312
Applicable income taxes	$1,708,000	1,180
Income before extraordinary items	$3,744,000	1,743
Extraordinary gains, net	$0	5
Net income	$3,744,000	1,742
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,744,000	1,742
Net charge-offs	$163,000	2,147
Cash dividends	$6,872,000	518
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,728,820	1,711
2016-09-30 (YTD Data)		Rank
Total interest income	$7,910,000	2,307
Total interest expense	$238,000	4,417
Net interest income	$7,672,000	2,141
Provision for loan and lease losses	$20,000	3,825
Total noninterest income	$920,000	2,744
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$197,000	3,198
Trading account gains and fees	$0	169
Additional Noninterest Income	$723,000	2,448
Total noninterest expense	$4,480,000	2,861
Salaries and employee benefits	$2,652,000	2,732
Premises and equipment expense	$370,000	3,414
Additional noninterest expense	$1,458,000	2,806
Pre-tax net operating income	$4,092,000	1,537
Securities gains (losses)	$22,000	2,256
Applicable income taxes	$1,296,000	1,205
Income before extraordinary items	$2,818,000	1,770
Extraordinary gains, net	$0	5
Net income	$2,818,000	1,770
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,818,000	1,770
Net charge-offs	$-11,000	4,952
Cash dividends	$1,409,000	1,339
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,803,040	1,730
2016-06-30 (YTD Data)		Rank
Total interest income	$5,210,000	2,329
Total interest expense	$164,000	4,399
Net interest income	$5,046,000	2,162
Provision for loan and lease losses	$0	4,017
Total noninterest income	$565,000	2,839
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$138,000	3,093
Trading account gains and fees	$0	157
Additional Noninterest Income	$427,000	2,578
Total noninterest expense	$3,014,000	2,855
Salaries and employee benefits	$1,806,000	2,710
Premises and equipment expense	$243,000	3,477
Additional noninterest expense	$965,000	2,824
Pre-tax net operating income	$2,597,000	1,582
Securities gains (losses)	$0	2,835
Applicable income taxes	$820,000	1,227
Income before extraordinary items	$1,777,000	1,837
Extraordinary gains, net	$0	16
Net income	$1,777,000	1,836
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,777,000	1,836
Net charge-offs	$-7,000	4,862
Cash dividends	$888,000	1,426
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,777,000	1,784
2016-03-31 (YTD Data)		Rank
Total interest income	$2,570,000	2,360
Total interest expense	$82,000	4,442
Net interest income	$2,488,000	2,187
Provision for loan and lease losses	$0	3,656
Total noninterest income	$260,000	2,949
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$68,000	3,097
Trading account gains and fees	$0	142
Additional Noninterest Income	$192,000	2,660
Total noninterest expense	$1,497,000	2,872
Salaries and employee benefits	$920,000	2,668
Premises and equipment expense	$117,000	3,560
Additional noninterest expense	$460,000	2,938
Pre-tax net operating income	$1,251,000	1,615
Securities gains (losses)	$0	2,077
Applicable income taxes	$395,000	1,242
Income before extraordinary items	$856,000	1,873
Extraordinary gains, net	$0	12
Net income	$856,000	1,874
Minority interest net income	$0	62
Net income of bank and minority interests.	$856,000	1,874
Net charge-offs	$-3,000	4,617
Cash dividends	$430,000	1,323
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$856,000	1,830
2015-12-31 (YTD Data)		Rank
Total interest income	$10,307,000	2,312
Total interest expense	$361,000	4,334
Net interest income	$9,946,000	2,148
Provision for loan and lease losses	$0	4,380
Total noninterest income	$1,233,000	2,753
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$317,000	2,923
Trading account gains and fees	$0	159
Additional Noninterest Income	$916,000	2,498
Total noninterest expense	$5,970,000	2,873
Salaries and employee benefits	$3,414,000	2,787
Premises and equipment expense	$486,000	3,538
Additional noninterest expense	$2,070,000	2,737
Pre-tax net operating income	$5,209,000	1,531
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,667,000	1,151
Income before extraordinary items	$3,542,000	1,774
Extraordinary gains, net	$0	23
Net income	$3,542,000	1,775
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,542,000	1,776
Net charge-offs	$37,000	3,454
Cash dividends	$1,769,000	1,461
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,542,000	1,740
2015-09-30 (YTD Data)		Rank
Total interest income	$7,677,000	2,344
Total interest expense	$277,000	4,356
Net interest income	$7,400,000	2,173
Provision for loan and lease losses	$0	4,232
Total noninterest income	$950,000	2,733
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$248,000	2,863
Trading account gains and fees	$0	153
Additional Noninterest Income	$702,000	2,478
Total noninterest expense	$4,531,000	2,862
Salaries and employee benefits	$2,515,000	2,834
Premises and equipment expense	$352,000	3,657
Additional noninterest expense	$1,664,000	2,577
Pre-tax net operating income	$3,819,000	1,581
Securities gains (losses)	$0	3,031
Applicable income taxes	$1,223,000	1,198
Income before extraordinary items	$2,596,000	1,835
Extraordinary gains, net	$0	21
Net income	$2,596,000	1,836
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,596,000	1,837
Net charge-offs	$-19,000	5,333
Cash dividends	$1,296,000	1,344
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,596,000	1,798
2015-06-30 (YTD Data)		Rank
Total interest income	$5,079,000	2,358
Total interest expense	$185,000	4,387
Net interest income	$4,894,000	2,186
Provision for loan and lease losses	$0	4,069
Total noninterest income	$647,000	2,729
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$185,000	2,646
Trading account gains and fees	$0	157
Additional Noninterest Income	$462,000	2,501
Total noninterest expense	$3,064,000	2,845
Salaries and employee benefits	$1,683,000	2,837
Premises and equipment expense	$234,000	3,692
Additional noninterest expense	$1,147,000	2,527
Pre-tax net operating income	$2,477,000	1,592
Securities gains (losses)	$0	2,636
Applicable income taxes	$800,000	1,219
Income before extraordinary items	$1,677,000	1,873
Extraordinary gains, net	$0	22
Net income	$1,677,000	1,876
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,677,000	1,876
Net charge-offs	$0	3,893
Cash dividends	$836,000	1,420
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,677,000	1,831
2015-03-31 (YTD Data)		Rank
Total interest income	$2,515,000	2,368
Total interest expense	$93,000	4,419
Net interest income	$2,422,000	2,198
Provision for loan and lease losses	$0	3,703
Total noninterest income	$277,000	2,901
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$86,000	2,760
Trading account gains and fees	$0	152
Additional Noninterest Income	$191,000	2,692
Total noninterest expense	$1,608,000	2,767
Salaries and employee benefits	$841,000	2,860
Premises and equipment expense	$113,000	3,790
Additional noninterest expense	$654,000	2,239
Pre-tax net operating income	$1,091,000	1,724
Securities gains (losses)	$0	2,027
Applicable income taxes	$349,000	1,305
Income before extraordinary items	$742,000	2,035
Extraordinary gains, net	$0	13
Net income	$742,000	2,036
Minority interest net income	$0	64
Net income of bank and minority interests.	$742,000	2,036
Net charge-offs	$0	3,288
Cash dividends	$372,000	1,365
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$742,000	1,975
2014-12-31 (YTD Data)		Rank
Total interest income	$10,083,000	2,380
Total interest expense	$436,000	4,288
Net interest income	$9,647,000	2,206
Provision for loan and lease losses	$0	4,603
Total noninterest income	$1,135,000	2,916
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$362,000	2,882
Trading account gains and fees	$0	180
Additional Noninterest Income	$773,000	2,684
Total noninterest expense	$6,368,000	2,804
Salaries and employee benefits	$3,231,000	2,935
Premises and equipment expense	$491,000	3,683
Additional noninterest expense	$2,646,000	2,283
Pre-tax net operating income	$4,414,000	1,705
Securities gains (losses)	$0	3,259
Applicable income taxes	$1,444,000	1,230
Income before extraordinary items	$2,970,000	2,036
Extraordinary gains, net	$0	17
Net income	$2,970,000	2,036
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,970,000	2,035
Net charge-offs	$383,000	1,768
Cash dividends	$1,490,000	1,580
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,970,000	1,994
2014-09-30 (YTD Data)		Rank
Total interest income	$7,507,000	2,408
Total interest expense	$339,000	4,258
Net interest income	$7,168,000	2,235
Provision for loan and lease losses	$0	4,401
Total noninterest income	$832,000	2,972
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$273,000	2,900
Trading account gains and fees	$0	174
Additional Noninterest Income	$559,000	2,744
Total noninterest expense	$4,747,000	2,823
Salaries and employee benefits	$2,415,000	2,956
Premises and equipment expense	$366,000	3,746
Additional noninterest expense	$1,966,000	2,285
Pre-tax net operating income	$3,253,000	1,734
Securities gains (losses)	$0	2,980
Applicable income taxes	$1,064,000	1,256
Income before extraordinary items	$2,189,000	2,068
Extraordinary gains, net	$0	15
Net income	$2,189,000	2,067
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,189,000	2,066
Net charge-offs	$359,000	1,439
Cash dividends	$1,098,000	1,452
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,189,000	2,025
2014-06-30 (YTD Data)		Rank
Total interest income	$4,971,000	2,420
Total interest expense	$236,000	4,223
Net interest income	$4,735,000	2,245
Provision for loan and lease losses	$0	4,196
Total noninterest income	$513,000	3,061
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$190,000	2,790
Trading account gains and fees	$0	172
Additional Noninterest Income	$323,000	2,933
Total noninterest expense	$3,133,000	2,857
Salaries and employee benefits	$1,594,000	2,992
Premises and equipment expense	$241,000	3,794
Additional noninterest expense	$1,298,000	2,308
Pre-tax net operating income	$2,115,000	1,741
Securities gains (losses)	$0	2,580
Applicable income taxes	$692,000	1,264
Income before extraordinary items	$1,423,000	2,068
Extraordinary gains, net	$0	20
Net income	$1,423,000	2,072
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,423,000	2,071
Net charge-offs	$60,000	2,626
Cash dividends	$714,000	1,467
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,423,000	2,006
2014-03-31 (YTD Data)		Rank
Total interest income	$2,454,000	2,447
Total interest expense	$122,000	4,223
Net interest income	$2,332,000	2,265
Provision for loan and lease losses	$0	3,817
Total noninterest income	$213,000	3,362
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$98,000	2,708
Trading account gains and fees	$0	147
Additional Noninterest Income	$115,000	3,363
Total noninterest expense	$1,539,000	2,925
Salaries and employee benefits	$790,000	3,021
Premises and equipment expense	$114,000	3,948
Additional noninterest expense	$635,000	2,356
Pre-tax net operating income	$1,006,000	1,761
Securities gains (losses)	$0	1,715
Applicable income taxes	$340,000	1,227
Income before extraordinary items	$666,000	2,087
Extraordinary gains, net	$0	16
Net income	$666,000	2,089
Minority interest net income	$0	66
Net income of bank and minority interests.	$666,000	2,089
Net charge-offs	$63,000	1,685
Cash dividends	$335,000	1,360
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$666,000	2,045
2013-12-31 (YTD Data)		Rank
Total interest income	$10,046,000	2,416
Total interest expense	$619,000	4,020
Net interest income	$9,427,000	2,213
Provision for loan and lease losses	$0	5,091
Total noninterest income	$1,261,000	2,841
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$409,000	2,758
Trading account gains and fees	$0	184
Additional Noninterest Income	$852,000	2,585
Total noninterest expense	$6,072,000	2,963
Salaries and employee benefits	$2,992,000	3,119
Premises and equipment expense	$471,000	3,857
Additional noninterest expense	$2,609,000	2,365
Pre-tax net operating income	$4,616,000	1,513
Securities gains (losses)	$0	3,182
Applicable income taxes	$1,651,000	1,049
Income before extraordinary items	$2,965,000	1,916
Extraordinary gains, net	$0	29
Net income	$2,965,000	1,918
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,965,000	1,918
Net charge-offs	$376,000	2,321
Cash dividends	$1,476,000	1,508
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,965,000	1,882
2013-09-30 (YTD Data)		Rank
Total interest income	$7,644,000	2,396
Total interest expense	$481,000	4,029
Net interest income	$7,163,000	2,188
Provision for loan and lease losses	$0	4,941
Total noninterest income	$931,000	2,920
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$299,000	2,829
Trading account gains and fees	$0	180
Additional Noninterest Income	$632,000	2,657
Total noninterest expense	$4,543,000	2,972
Salaries and employee benefits	$2,266,000	3,121
Premises and equipment expense	$353,000	3,909
Additional noninterest expense	$1,924,000	2,386
Pre-tax net operating income	$3,551,000	1,524
Securities gains (losses)	$0	3,040
Applicable income taxes	$1,290,000	1,046
Income before extraordinary items	$2,261,000	1,925
Extraordinary gains, net	$0	25
Net income	$2,261,000	1,932
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,261,000	1,931
Net charge-offs	$128,000	3,028
Cash dividends	$1,128,000	1,330
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,261,000	1,868
2013-06-30 (YTD Data)		Rank
Total interest income	$5,224,000	2,338
Total interest expense	$323,000	4,077
Net interest income	$4,901,000	2,132
Provision for loan and lease losses	$0	4,788
Total noninterest income	$649,000	2,897
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$209,000	2,706
Trading account gains and fees	$0	157
Additional Noninterest Income	$440,000	2,658
Total noninterest expense	$3,014,000	2,989
Salaries and employee benefits	$1,513,000	3,138
Premises and equipment expense	$233,000	3,940
Additional noninterest expense	$1,268,000	2,412
Pre-tax net operating income	$2,536,000	1,425
Securities gains (losses)	$0	2,791
Applicable income taxes	$863,000	1,039
Income before extraordinary items	$1,673,000	1,755
Extraordinary gains, net	$0	22
Net income	$1,673,000	1,760
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,673,000	1,761
Net charge-offs	$106,000	2,701
Cash dividends	$834,000	1,246
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,673,000	1,693
2013-03-31 (YTD Data)		Rank
Total interest income	$2,533,000	2,429
Total interest expense	$166,000	4,104
Net interest income	$2,367,000	2,209
Provision for loan and lease losses	$0	4,409
Total noninterest income	$306,000	2,981
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$118,000	2,469
Trading account gains and fees	$0	148
Additional Noninterest Income	$188,000	2,864
Total noninterest expense	$1,475,000	3,046
Salaries and employee benefits	$776,000	3,118
Premises and equipment expense	$117,000	3,948
Additional noninterest expense	$582,000	2,615
Pre-tax net operating income	$1,198,000	1,473
Securities gains (losses)	$0	1,966
Applicable income taxes	$406,000	1,074
Income before extraordinary items	$792,000	1,792
Extraordinary gains, net	$0	10
Net income	$792,000	1,793
Minority interest net income	$0	76
Net income of bank and minority interests.	$792,000	1,794
Net charge-offs	$26,000	2,890
Cash dividends	$396,000	1,126
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$792,000	1,727
2012-12-31 (YTD Data)		Rank
Total interest income	$10,611,000	2,430
Total interest expense	$857,000	3,965
Net interest income	$9,754,000	2,210
Provision for loan and lease losses	$1,200,000	1,554
Total noninterest income	$1,826,000	2,329
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$497,000	2,501
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,329,000	1,998
Total noninterest expense	$6,133,000	2,978
Salaries and employee benefits	$2,885,000	3,219
Premises and equipment expense	$540,000	3,634
Additional noninterest expense	$2,708,000	2,397
Pre-tax net operating income	$4,247,000	1,581
Securities gains (losses)	$0	3,810
Applicable income taxes	$1,163,000	1,327
Income before extraordinary items	$3,084,000	1,812
Extraordinary gains, net	$0	29
Net income	$3,084,000	1,811
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,084,000	1,812
Net charge-offs	$1,068,000	1,758
Cash dividends	$1,227,000	1,705
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,084,000	1,714
2012-09-30 (YTD Data)		Rank
Total interest income	$8,028,000	2,450
Total interest expense	$678,000	3,976
Net interest income	$7,350,000	2,224
Provision for loan and lease losses	$900,000	1,552
Total noninterest income	$920,000	2,944
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$381,000	2,479
Trading account gains and fees	$0	157
Additional Noninterest Income	$539,000	2,832
Total noninterest expense	$4,779,000	2,899
Salaries and employee benefits	$2,361,000	3,049
Premises and equipment expense	$399,000	3,711
Additional noninterest expense	$2,019,000	2,396
Pre-tax net operating income	$2,591,000	1,913
Securities gains (losses)	$0	3,575
Applicable income taxes	$874,000	1,362
Income before extraordinary items	$1,717,000	2,398
Extraordinary gains, net	$0	20
Net income	$1,717,000	2,399
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,717,000	2,399
Net charge-offs	$925,000	1,549
Cash dividends	$863,000	1,470
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,717,000	2,268
2012-06-30 (YTD Data)		Rank
Total interest income	$5,383,000	2,457
Total interest expense	$481,000	3,922
Net interest income	$4,902,000	2,226
Provision for loan and lease losses	$600,000	1,572
Total noninterest income	$620,000	2,880
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$275,000	2,317
Trading account gains and fees	$0	153
Additional Noninterest Income	$345,000	2,871
Total noninterest expense	$3,261,000	2,842
Salaries and employee benefits	$1,596,000	3,022
Premises and equipment expense	$270,000	3,675
Additional noninterest expense	$1,395,000	2,321
Pre-tax net operating income	$1,661,000	1,971
Securities gains (losses)	$0	3,178
Applicable income taxes	$560,000	1,382
Income before extraordinary items	$1,101,000	2,431
Extraordinary gains, net	$0	19
Net income	$1,101,000	2,431
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,101,000	2,431
Net charge-offs	$649,000	1,526
Cash dividends	$554,000	1,496
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,101,000	2,304
2012-03-31 (YTD Data)		Rank
Total interest income	$2,704,000	2,480
Total interest expense	$258,000	3,861
Net interest income	$2,446,000	2,235
Provision for loan and lease losses	$300,000	1,500
Total noninterest income	$278,000	3,066
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$129,000	2,411
Trading account gains and fees	$0	148
Additional Noninterest Income	$149,000	3,084
Total noninterest expense	$1,685,000	2,762
Salaries and employee benefits	$822,000	2,968
Premises and equipment expense	$131,000	3,785
Additional noninterest expense	$732,000	2,206
Pre-tax net operating income	$739,000	2,164
Securities gains (losses)	$0	2,210
Applicable income taxes	$247,000	1,500
Income before extraordinary items	$492,000	2,653
Extraordinary gains, net	$0	19
Net income	$492,000	2,655
Minority interest net income	$0	78
Net income of bank and minority interests.	$492,000	2,656
Net charge-offs	$365,000	1,311
Cash dividends	$245,000	1,446
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$492,000	2,527
2011-12-31 (YTD Data)		Rank
Total interest income	$11,569,000	2,417
Total interest expense	$1,318,000	3,747
Net interest income	$10,251,000	2,134
Provision for loan and lease losses	$1,200,000	2,155
Total noninterest income	$853,000	3,401
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$520,000	2,483
Trading account gains and fees	$0	146
Additional Noninterest Income	$333,000	3,708
Total noninterest expense	$7,240,000	2,590
Salaries and employee benefits	$3,117,000	3,012
Premises and equipment expense	$525,000	3,907
Additional noninterest expense	$3,598,000	1,873
Pre-tax net operating income	$2,664,000	2,033
Securities gains (losses)	$0	3,838
Applicable income taxes	$887,000	1,463
Income before extraordinary items	$1,777,000	2,474
Extraordinary gains, net	$0	29
Net income	$1,777,000	2,474
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,777,000	2,475
Net charge-offs	$871,000	2,526
Cash dividends	$864,000	1,791
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,777,000	2,393
2011-09-30 (YTD Data)		Rank
Total interest income	$8,808,000	2,404
Total interest expense	$1,029,000	3,758
Net interest income	$7,779,000	2,115
Provision for loan and lease losses	$900,000	2,078
Total noninterest income	$792,000	3,027
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$394,000	2,483
Trading account gains and fees	$0	145
Additional Noninterest Income	$398,000	3,048
Total noninterest expense	$5,482,000	2,572
Salaries and employee benefits	$2,323,000	3,042
Premises and equipment expense	$398,000	3,927
Additional noninterest expense	$2,761,000	1,842
Pre-tax net operating income	$2,189,000	1,948
Securities gains (losses)	$0	3,555
Applicable income taxes	$732,000	1,375
Income before extraordinary items	$1,457,000	2,382
Extraordinary gains, net	$0	21
Net income	$1,457,000	2,383
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,457,000	2,383
Net charge-offs	$530,000	2,601
Cash dividends	$547,000	1,715
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,457,000	2,275
2011-06-30 (YTD Data)		Rank
Total interest income	$6,019,000	2,361
Total interest expense	$696,000	3,828
Net interest income	$5,323,000	2,059
Provision for loan and lease losses	$600,000	2,044
Total noninterest income	$537,000	2,989
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$252,000	2,545
Trading account gains and fees	$0	153
Additional Noninterest Income	$285,000	2,960
Total noninterest expense	$3,606,000	2,619
Salaries and employee benefits	$1,558,000	3,049
Premises and equipment expense	$278,000	3,847
Additional noninterest expense	$1,770,000	1,929
Pre-tax net operating income	$1,654,000	1,722
Securities gains (losses)	$0	2,914
Applicable income taxes	$556,000	1,233
Income before extraordinary items	$1,098,000	2,100
Extraordinary gains, net	$0	15
Net income	$1,098,000	2,100
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,098,000	2,100
Net charge-offs	$465,000	2,222
Cash dividends	$547,000	1,338
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,098,000	2,031
2011-03-31 (YTD Data)		Rank
Total interest income	$2,910,000	2,455
Total interest expense	$353,000	3,888
Net interest income	$2,557,000	2,124
Provision for loan and lease losses	$300,000	1,892
Total noninterest income	$313,000	2,760
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$124,000	2,555
Trading account gains and fees	$0	158
Additional Noninterest Income	$189,000	2,548
Total noninterest expense	$1,879,000	2,542
Salaries and employee benefits	$807,000	2,978
Premises and equipment expense	$144,000	3,809
Additional noninterest expense	$928,000	1,823
Pre-tax net operating income	$691,000	1,991
Securities gains (losses)	$0	1,772
Applicable income taxes	$230,000	1,354
Income before extraordinary items	$461,000	2,405
Extraordinary gains, net	$0	9
Net income	$461,000	2,404
Minority interest net income	$0	86
Net income of bank and minority interests.	$461,000	2,405
Net charge-offs	$144,000	2,394
Cash dividends	$230,000	1,313
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$461,000	2,361
2010-12-31 (YTD Data)		Rank
Total interest income	$12,711,000	2,360
Total interest expense	$1,603,000	4,106
Net interest income	$11,108,000	1,956
Provision for loan and lease losses	$976,000	3,091
Total noninterest income	$1,348,000	2,704
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$564,000	2,413
Trading account gains and fees	$0	175
Additional Noninterest Income	$784,000	2,526
Total noninterest expense	$6,676,000	2,838
Salaries and employee benefits	$2,879,000	3,224
Premises and equipment expense	$565,000	3,879
Additional noninterest expense	$3,232,000	2,153
Pre-tax net operating income	$4,804,000	1,064
Securities gains (losses)	$0	3,793
Applicable income taxes	$1,630,000	849
Income before extraordinary items	$3,174,000	1,341
Extraordinary gains, net	$0	29
Net income	$3,174,000	1,342
Minority interest net income	$0	111
Net income of bank and minority interests.	$3,174,000	1,343
Net charge-offs	$416,000	3,889
Cash dividends	$1,633,000	987
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$3,174,000	1,290
2010-09-30 (YTD Data)		Rank
Total interest income	$9,658,000	2,393
Total interest expense	$1,233,000	4,180
Net interest income	$8,425,000	1,968
Provision for loan and lease losses	$676,000	3,081
Total noninterest income	$1,086,000	2,581
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$442,000	2,382
Trading account gains and fees	$0	165
Additional Noninterest Income	$644,000	2,386
Total noninterest expense	$4,837,000	2,921
Salaries and employee benefits	$2,104,000	3,316
Premises and equipment expense	$404,000	4,069
Additional noninterest expense	$2,329,000	2,203
Pre-tax net operating income	$3,998,000	1,021
Securities gains (losses)	$0	3,651
Applicable income taxes	$1,361,000	809
Income before extraordinary items	$2,637,000	1,260
Extraordinary gains, net	$0	23
Net income	$2,637,000	1,264
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,637,000	1,264
Net charge-offs	$335,000	3,585
Cash dividends	$1,324,000	834
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,637,000	1,219
2010-06-30 (YTD Data)		Rank
Total interest income	$6,456,000	2,414
Total interest expense	$824,000	4,266
Net interest income	$5,632,000	1,966
Provision for loan and lease losses	$376,000	3,281
Total noninterest income	$715,000	2,548
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$329,000	2,190
Trading account gains and fees	$0	152
Additional Noninterest Income	$386,000	2,463
Total noninterest expense	$3,125,000	3,011
Salaries and employee benefits	$1,392,000	3,355
Premises and equipment expense	$255,000	4,219
Additional noninterest expense	$1,478,000	2,286
Pre-tax net operating income	$2,846,000	953
Securities gains (losses)	$0	3,184
Applicable income taxes	$969,000	737
Income before extraordinary items	$1,877,000	1,186
Extraordinary gains, net	$0	19
Net income	$1,877,000	1,187
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,877,000	1,187
Net charge-offs	$267,000	3,195
Cash dividends	$946,000	770
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,877,000	1,139
2010-03-31 (YTD Data)		Rank
Total interest income	$3,205,000	2,486
Total interest expense	$416,000	4,371
Net interest income	$2,789,000	2,006
Provision for loan and lease losses	$166,000	3,228
Total noninterest income	$357,000	2,558
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$164,000	2,193
Trading account gains and fees	$0	175
Additional Noninterest Income	$193,000	2,453
Total noninterest expense	$1,549,000	3,068
Salaries and employee benefits	$698,000	3,403
Premises and equipment expense	$118,000	4,511
Additional noninterest expense	$733,000	2,308
Pre-tax net operating income	$1,431,000	943
Securities gains (losses)	$0	2,284
Applicable income taxes	$487,000	720
Income before extraordinary items	$944,000	1,161
Extraordinary gains, net	$0	16
Net income	$944,000	1,163
Minority interest net income	$0	91
Net income of bank and minority interests.	$944,000	1,163
Net charge-offs	$126,000	2,912
Cash dividends	$473,000	728
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$944,000	1,126
2009-12-31 (YTD Data)		Rank
Total interest income	$12,665,000	2,601
Total interest expense	$2,096,000	4,315
Net interest income	$10,569,000	2,081
Provision for loan and lease losses	$976,000	3,547
Total noninterest income	$1,370,000	2,722
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$656,000	2,373
Trading account gains and fees	$0	211
Additional Noninterest Income	$714,000	2,624
Total noninterest expense	$6,599,000	2,947
Salaries and employee benefits	$2,950,000	3,226
Premises and equipment expense	$488,000	4,442
Additional noninterest expense	$3,161,000	2,245
Pre-tax net operating income	$4,364,000	955
Securities gains (losses)	$0	3,754
Applicable income taxes	$1,462,000	717
Income before extraordinary items	$2,902,000	1,165
Extraordinary gains, net	$0	34
Net income	$2,902,000	1,163
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,902,000	1,164
Net charge-offs	$365,000	4,227
Cash dividends	$1,460,000	1,221
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,902,000	1,152
2009-09-30 (YTD Data)		Rank
Total interest income	$9,369,000	2,679
Total interest expense	$1,630,000	4,363
Net interest income	$7,739,000	2,121
Provision for loan and lease losses	$455,000	3,946
Total noninterest income	$1,080,000	2,682
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$490,000	2,400
Trading account gains and fees	$0	212
Additional Noninterest Income	$590,000	2,547
Total noninterest expense	$5,002,000	2,915
Salaries and employee benefits	$2,231,000	3,228
Premises and equipment expense	$351,000	4,605
Additional noninterest expense	$2,420,000	2,172
Pre-tax net operating income	$3,362,000	987
Securities gains (losses)	$0	3,497
Applicable income taxes	$1,126,000	773
Income before extraordinary items	$2,236,000	1,196
Extraordinary gains, net	$0	27
Net income	$2,236,000	1,195
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,236,000	1,196
Net charge-offs	$200,000	4,244
Cash dividends	$1,122,000	1,134
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,236,000	1,186
2009-06-30 (YTD Data)		Rank
Total interest income	$6,192,000	2,735
Total interest expense	$1,088,000	4,487
Net interest income	$5,104,000	2,140
Provision for loan and lease losses	$215,000	4,228
Total noninterest income	$666,000	2,828
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$342,000	2,281
Trading account gains and fees	$0	193
Additional Noninterest Income	$324,000	2,871
Total noninterest expense	$3,345,000	2,928
Salaries and employee benefits	$1,513,000	3,213
Premises and equipment expense	$235,000	4,627
Additional noninterest expense	$1,597,000	2,209
Pre-tax net operating income	$2,210,000	1,028
Securities gains (losses)	$0	3,136
Applicable income taxes	$739,000	803
Income before extraordinary items	$1,471,000	1,287
Extraordinary gains, net	$0	21
Net income	$1,471,000	1,285
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,471,000	1,286
Net charge-offs	$117,000	4,075
Cash dividends	$748,000	1,217
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,471,000	1,243
2009-03-31 (YTD Data)		Rank
Total interest income	$3,044,000	2,824
Total interest expense	$527,000	4,702
Net interest income	$2,517,000	2,177
Provision for loan and lease losses	$40,000	5,160
Total noninterest income	$323,000	2,885
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$166,000	2,271
Trading account gains and fees	$0	171
Additional Noninterest Income	$157,000	2,891
Total noninterest expense	$1,635,000	2,909
Salaries and employee benefits	$779,000	3,168
Premises and equipment expense	$115,000	4,747
Additional noninterest expense	$741,000	2,118
Pre-tax net operating income	$1,165,000	1,093
Securities gains (losses)	$0	2,434
Applicable income taxes	$389,000	848
Income before extraordinary items	$776,000	1,416
Extraordinary gains, net	$0	15
Net income	$776,000	1,415
Minority interest net income	$0	102
Net income of bank and minority interests.	$776,000	1,418
Net charge-offs	$196,000	2,152
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$776,000	1,334
2008-12-31 (YTD Data)		Rank
Total interest income	$10,749,000	3,340
Total interest expense	$2,175,000	5,101
Net interest income	$8,574,000	2,522
Provision for loan and lease losses	$105,000	5,985
Total noninterest income	$1,504,000	2,618
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$740,000	2,253
Trading account gains and fees	$0	154
Additional Noninterest Income	$764,000	2,502
Total noninterest expense	$26,716,000	750
Salaries and employee benefits	$3,386,000	2,921
Premises and equipment expense	$459,000	4,705
Additional noninterest expense	$22,871,000	354
Pre-tax net operating income	$-16,743,000	8,077
Securities gains (losses)	$0	3,220
Applicable income taxes	$1,115,000	1,097
Income before extraordinary items	$-17,858,000	8,079
Extraordinary gains, net	$0	39
Net income	$-17,858,000	8,079
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$269,000	3,692
Cash dividends	$727,000	2,794
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-17,858,000	8,101
2008-09-30 (YTD Data)		Rank
Total interest income	$7,587,000	3,562
Total interest expense	$1,572,000	5,311
Net interest income	$6,015,000	2,715
Provision for loan and lease losses	$75,000	5,494
Total noninterest income	$1,113,000	2,719
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$554,000	2,271
Trading account gains and fees	$0	148
Additional Noninterest Income	$559,000	2,632
Total noninterest expense	$12,935,000	1,131
Salaries and employee benefits	$2,639,000	2,837
Premises and equipment expense	$334,000	4,794
Additional noninterest expense	$9,962,000	488
Pre-tax net operating income	$-5,882,000	8,153
Securities gains (losses)	$0	3,106
Applicable income taxes	$689,000	1,553
Income before extraordinary items	$-6,571,000	8,169
Extraordinary gains, net	$0	31
Net income	$-6,571,000	8,169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$209,000	3,004
Cash dividends	$468,000	2,844
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-6,571,000	8,199
2008-06-30 (YTD Data)		Rank
Total interest income	$5,054,000	3,621
Total interest expense	$1,085,000	5,379
Net interest income	$3,969,000	2,724
Provision for loan and lease losses	$45,000	5,277
Total noninterest income	$715,000	2,801
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$374,000	2,237
Trading account gains and fees	$0	149
Additional Noninterest Income	$341,000	2,833
Total noninterest expense	$11,283,000	873
Salaries and employee benefits	$1,773,000	2,847
Premises and equipment expense	$218,000	4,891
Additional noninterest expense	$9,292,000	379
Pre-tax net operating income	$-6,644,000	8,326
Securities gains (losses)	$0	3,233
Applicable income taxes	$435,000	1,769
Income before extraordinary items	$-7,079,000	8,346
Extraordinary gains, net	$0	21
Net income	$-7,079,000	8,345
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$196,000	2,257
Cash dividends	$216,000	3,340
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-7,079,000	8,345
2008-03-31 (YTD Data)		Rank
Total interest income	$2,531,000	3,692
Total interest expense	$579,000	5,391
Net interest income	$1,952,000	2,757
Provision for loan and lease losses	$15,000	5,068
Total noninterest income	$389,000	2,650
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$182,000	2,250
Trading account gains and fees	$0	158
Additional Noninterest Income	$207,000	2,520
Total noninterest expense	$1,657,000	2,788
Salaries and employee benefits	$894,000	2,846
Premises and equipment expense	$113,000	4,801
Additional noninterest expense	$650,000	2,153
Pre-tax net operating income	$669,000	2,506
Securities gains (losses)	$0	2,688
Applicable income taxes	$214,000	1,883
Income before extraordinary items	$455,000	2,904
Extraordinary gains, net	$0	15
Net income	$455,000	2,907
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-33,000	8,250
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$455,000	2,822
2007-12-31 (YTD Data)		Rank
Total interest income	$6,826,000	4,805
Total interest expense	$1,627,000	6,260
Net interest income	$5,199,000	3,879
Provision for loan and lease losses	$40,000	5,854
Total noninterest income	$901,000	3,755
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$473,000	3,169
Trading account gains and fees	$0	178
Additional Noninterest Income	$428,000	3,604
Total noninterest expense	$4,059,000	4,076
Salaries and employee benefits	$1,950,000	4,465
Premises and equipment expense	$322,000	5,615
Additional noninterest expense	$1,787,000	2,947
Pre-tax net operating income	$2,001,000	3,313
Securities gains (losses)	$0	2,146
Applicable income taxes	$650,000	2,401
Income before extraordinary items	$1,351,000	3,670
Extraordinary gains, net	$0	39
Net income	$1,351,000	3,671
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	3,407
Cash dividends	$653,000	3,299
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,351,000	3,657
2007-09-30 (YTD Data)		Rank
Total interest income	$4,278,000	5,394
Total interest expense	$1,025,000	6,645
Net interest income	$3,253,000	4,410
Provision for loan and lease losses	$25,000	5,669
Total noninterest income	$594,000	4,038
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$303,000	3,498
Trading account gains and fees	$0	184
Additional Noninterest Income	$291,000	3,795
Total noninterest expense	$2,482,000	4,691
Salaries and employee benefits	$1,152,000	5,220
Premises and equipment expense	$203,000	6,034
Additional noninterest expense	$1,127,000	3,355
Pre-tax net operating income	$1,340,000	3,715
Securities gains (losses)	$0	1,655
Applicable income taxes	$441,000	2,695
Income before extraordinary items	$899,000	4,120
Extraordinary gains, net	$0	33
Net income	$899,000	4,119
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	4,542
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$899,000	4,103
2007-06-30 (YTD Data)		Rank
Total interest income	$1,662,000	6,705
Total interest expense	$420,000	7,490
Net interest income	$1,242,000	6,063
Provision for loan and lease losses	$10,000	5,732
Total noninterest income	$247,000	5,098
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$132,000	4,366
Trading account gains and fees	$0	168
Additional Noninterest Income	$115,000	4,841
Total noninterest expense	$963,000	6,343
Salaries and employee benefits	$477,000	6,603
Premises and equipment expense	$76,000	7,244
Additional noninterest expense	$410,000	5,220
Pre-tax net operating income	$516,000	4,974
Securities gains (losses)	$0	1,444
Applicable income taxes	$173,000	3,463
Income before extraordinary items	$343,000	5,382
Extraordinary gains, net	$0	29
Net income	$343,000	5,382
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	4,237
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$343,000	5,370
2007-03-31 (YTD Data)		Rank
Total interest income	$2,344,000	3,952
Total interest expense	$709,000	4,940
Net interest income	$1,635,000	3,303
Provision for loan and lease losses	$15,000	4,592
Total noninterest income	$309,000	3,052
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$175,000	2,297
Trading account gains and fees	$0	195
Additional Noninterest Income	$134,000	3,207
Total noninterest expense	$1,229,000	3,502
Salaries and employee benefits	$731,000	3,335
Premises and equipment expense	$102,000	4,980
Additional noninterest expense	$396,000	3,197
Pre-tax net operating income	$700,000	2,803
Securities gains (losses)	$0	1,187
Applicable income taxes	$195,000	2,431
Income before extraordinary items	$505,000	3,007
Extraordinary gains, net	$0	22
Net income	$505,000	3,007
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	2,588
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$505,000	2,988
2006-12-31 (YTD Data)		Rank
Total interest income	$8,976,000	3,876
Total interest expense	$1,866,000	5,595
Net interest income	$7,110,000	3,061
Provision for loan and lease losses	$42,000	5,768
Total noninterest income	$1,337,000	2,919
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$717,000	2,319
Trading account gains and fees	$0	130
Additional Noninterest Income	$620,000	2,957
Total noninterest expense	$5,054,000	3,329
Salaries and employee benefits	$2,726,000	3,391
Premises and equipment expense	$447,000	4,590
Additional noninterest expense	$1,881,000	2,711
Pre-tax net operating income	$3,351,000	2,573
Securities gains (losses)	$0	1,687
Applicable income taxes	$1,047,000	2,133
Income before extraordinary items	$2,304,000	2,790
Extraordinary gains, net	$0	51
Net income	$2,304,000	2,791
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	3,999
Cash dividends	$1,560,000	1,880
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,304,000	2,781
2006-09-30 (YTD Data)		Rank
Total interest income	$6,603,000	3,897
Total interest expense	$1,331,000	5,648
Net interest income	$5,272,000	3,124
Provision for loan and lease losses	$27,000	5,738
Total noninterest income	$1,019,000	2,894
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$550,000	2,279
Trading account gains and fees	$0	126
Additional Noninterest Income	$469,000	2,957
Total noninterest expense	$3,830,000	3,278
Salaries and employee benefits	$2,065,000	3,359
Premises and equipment expense	$325,000	4,686
Additional noninterest expense	$1,440,000	2,654
Pre-tax net operating income	$2,434,000	2,714
Securities gains (losses)	$0	1,388
Applicable income taxes	$759,000	2,277
Income before extraordinary items	$1,675,000	2,951
Extraordinary gains, net	$0	45
Net income	$1,675,000	2,951
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	3,024
Cash dividends	$1,450,000	1,486
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,675,000	2,941
2006-06-30 (YTD Data)		Rank
Total interest income	$4,296,000	3,920
Total interest expense	$868,000	5,601
Net interest income	$3,428,000	3,187
Provision for loan and lease losses	$12,000	5,878
Total noninterest income	$672,000	2,906
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$383,000	2,179
Trading account gains and fees	$0	126
Additional Noninterest Income	$289,000	3,090
Total noninterest expense	$2,548,000	3,305
Salaries and employee benefits	$1,398,000	3,328
Premises and equipment expense	$208,000	4,812
Additional noninterest expense	$942,000	2,711
Pre-tax net operating income	$1,540,000	2,838
Securities gains (losses)	$0	1,185
Applicable income taxes	$498,000	2,317
Income before extraordinary items	$1,042,000	3,121
Extraordinary gains, net	$0	39
Net income	$1,042,000	3,123
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,807
Cash dividends	$1,050,000	1,372
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,042,000	3,105
2006-03-31 (YTD Data)		Rank
Total interest income	$2,077,000	3,960
Total interest expense	$370,000	5,895
Net interest income	$1,707,000	3,193
Provision for loan and lease losses	$6,000	5,562
Total noninterest income	$322,000	2,941
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$190,000	2,131
Trading account gains and fees	$0	115
Additional Noninterest Income	$132,000	3,209
Total noninterest expense	$1,266,000	3,332
Salaries and employee benefits	$707,000	3,303
Premises and equipment expense	$101,000	4,920
Additional noninterest expense	$458,000	2,763
Pre-tax net operating income	$757,000	2,811
Securities gains (losses)	$0	955
Applicable income taxes	$247,000	2,289
Income before extraordinary items	$510,000	3,112
Extraordinary gains, net	$0	21
Net income	$510,000	3,111
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,110
Cash dividends	$750,000	954
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$510,000	3,091
2005-12-31 (YTD Data)		Rank
Total interest income	$7,966,000	3,770
Total interest expense	$1,185,000	5,834
Net interest income	$6,781,000	3,119
Provision for loan and lease losses	$24,000	6,374
Total noninterest income	$1,322,000	2,923
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$708,000	2,329
Trading account gains and fees	$0	138
Additional Noninterest Income	$614,000	3,013
Total noninterest expense	$5,150,000	3,154
Salaries and employee benefits	$2,730,000	3,229
Premises and equipment expense	$464,000	4,402
Additional noninterest expense	$1,956,000	2,544
Pre-tax net operating income	$2,929,000	2,819
Securities gains (losses)	$0	2,296
Applicable income taxes	$910,000	2,390
Income before extraordinary items	$2,019,000	3,076
Extraordinary gains, net	$0	46
Net income	$2,019,000	3,078
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,059
Cash dividends	$1,100,000	2,279
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,019,000	3,037
2005-09-30 (YTD Data)		Rank
Total interest income	$5,917,000	3,756
Total interest expense	$875,000	5,786
Net interest income	$5,042,000	3,128
Provision for loan and lease losses	$18,000	6,207
Total noninterest income	$1,009,000	2,890
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$540,000	2,292
Trading account gains and fees	$0	126
Additional Noninterest Income	$469,000	3,000
Total noninterest expense	$3,904,000	3,093
Salaries and employee benefits	$2,076,000	3,164
Premises and equipment expense	$350,000	4,365
Additional noninterest expense	$1,478,000	2,490
Pre-tax net operating income	$2,129,000	2,922
Securities gains (losses)	$0	2,317
Applicable income taxes	$660,000	2,483
Income before extraordinary items	$1,469,000	3,180
Extraordinary gains, net	$0	35
Net income	$1,469,000	3,181
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	4,590
Cash dividends	$475,000	2,893
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,469,000	3,141
2005-06-30 (YTD Data)		Rank
Total interest income	$3,860,000	3,746
Total interest expense	$569,000	5,713
Net interest income	$3,291,000	3,154
Provision for loan and lease losses	$12,000	5,987
Total noninterest income	$676,000	2,840
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$368,000	2,215
Trading account gains and fees	$0	116
Additional Noninterest Income	$308,000	3,012
Total noninterest expense	$2,605,000	3,074
Salaries and employee benefits	$1,399,000	3,114
Premises and equipment expense	$230,000	4,380
Additional noninterest expense	$976,000	2,490
Pre-tax net operating income	$1,350,000	2,980
Securities gains (losses)	$0	2,146
Applicable income taxes	$420,000	2,539
Income before extraordinary items	$930,000	3,271
Extraordinary gains, net	$0	30
Net income	$930,000	3,272
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,385
Cash dividends	$395,000	2,570
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$930,000	3,226
2005-03-31 (YTD Data)		Rank
Total interest income	$1,857,000	3,811
Total interest expense	$250,000	5,965
Net interest income	$1,607,000	3,216
Provision for loan and lease losses	$6,000	5,706
Total noninterest income	$314,000	2,961
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$168,000	2,331
Trading account gains and fees	$0	115
Additional Noninterest Income	$146,000	3,022
Total noninterest expense	$1,334,000	3,025
Salaries and employee benefits	$717,000	3,064
Premises and equipment expense	$114,000	4,448
Additional noninterest expense	$503,000	2,426
Pre-tax net operating income	$581,000	3,299
Securities gains (losses)	$0	1,685
Applicable income taxes	$177,000	2,793
Income before extraordinary items	$404,000	3,594
Extraordinary gains, net	$0	24
Net income	$404,000	3,596
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,232
Cash dividends	$280,000	1,844
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$404,000	3,562
2004-12-31 (YTD Data)		Rank
Total interest income	$7,314,000	3,686
Total interest expense	$892,000	5,972
Net interest income	$6,422,000	3,114
Provision for loan and lease losses	$24,000	6,604
Total noninterest income	$1,136,000	3,249
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$546,000	2,947
Trading account gains and fees	$0	138
Additional Noninterest Income	$590,000	3,019
Total noninterest expense	$5,013,000	3,114
Salaries and employee benefits	$2,613,000	3,228
Premises and equipment expense	$439,000	4,488
Additional noninterest expense	$1,961,000	2,467
Pre-tax net operating income	$2,521,000	2,986
Securities gains (losses)	$0	3,819
Applicable income taxes	$801,000	2,535
Income before extraordinary items	$1,720,000	3,280
Extraordinary gains, net	$0	34
Net income	$1,720,000	3,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,222
Cash dividends	$362,000	4,063
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,720,000	3,211
2004-09-30 (YTD Data)		Rank
Total interest income	$5,369,000	3,715
Total interest expense	$650,000	6,035
Net interest income	$4,719,000	3,147
Provision for loan and lease losses	$18,000	6,408
Total noninterest income	$854,000	3,262
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$409,000	2,956
Trading account gains and fees	$0	134
Additional Noninterest Income	$445,000	3,000
Total noninterest expense	$3,752,000	3,076
Salaries and employee benefits	$1,963,000	3,185
Premises and equipment expense	$330,000	4,470
Additional noninterest expense	$1,459,000	2,452
Pre-tax net operating income	$1,803,000	3,144
Securities gains (losses)	$0	3,710
Applicable income taxes	$573,000	2,660
Income before extraordinary items	$1,230,000	3,482
Extraordinary gains, net	$0	26
Net income	$1,230,000	3,482
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,626
Cash dividends	$265,000	3,620
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,230,000	3,395
2004-06-30 (YTD Data)		Rank
Total interest income	$3,551,000	3,740
Total interest expense	$415,000	6,190
Net interest income	$3,136,000	3,158
Provision for loan and lease losses	$12,000	6,242
Total noninterest income	$568,000	3,294
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$289,000	2,796
Trading account gains and fees	$0	130
Additional Noninterest Income	$279,000	3,116
Total noninterest expense	$2,488,000	3,111
Salaries and employee benefits	$1,298,000	3,221
Premises and equipment expense	$223,000	4,437
Additional noninterest expense	$967,000	2,462
Pre-tax net operating income	$1,204,000	3,105
Securities gains (losses)	$0	3,413
Applicable income taxes	$381,000	2,647
Income before extraordinary items	$823,000	3,459
Extraordinary gains, net	$0	21
Net income	$823,000	3,459
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	8,198
Cash dividends	$265,000	3,069
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$823,000	3,366
2004-03-31 (YTD Data)		Rank
Total interest income	$1,783,000	3,730
Total interest expense	$209,000	6,228
Net interest income	$1,574,000	3,145
Provision for loan and lease losses	$6,000	5,941
Total noninterest income	$271,000	3,328
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$145,000	2,752
Trading account gains and fees	$0	121
Additional Noninterest Income	$126,000	3,249
Total noninterest expense	$1,229,000	3,149
Salaries and employee benefits	$632,000	3,317
Premises and equipment expense	$116,000	4,345
Additional noninterest expense	$481,000	2,454
Pre-tax net operating income	$610,000	3,042
Securities gains (losses)	$0	2,934
Applicable income taxes	$196,000	2,616
Income before extraordinary items	$414,000	3,415
Extraordinary gains, net	$0	16
Net income	$414,000	3,414
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	8,046
Cash dividends	$15,000	3,746
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$414,000	3,301
2003-12-31 (YTD Data)		Rank
Total interest income	$7,690,000	3,550
Total interest expense	$1,092,000	5,857
Net interest income	$6,598,000	2,912
Provision for loan and lease losses	$115,000	5,108
Total noninterest income	$1,071,000	3,573
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$538,000	2,929
Trading account gains and fees	$0	160
Additional Noninterest Income	$533,000	3,473
Total noninterest expense	$4,918,000	3,094
Salaries and employee benefits	$2,426,000	3,343
Premises and equipment expense	$473,000	4,235
Additional noninterest expense	$2,019,000	2,382
Pre-tax net operating income	$2,636,000	2,770
Securities gains (losses)	$113,000	1,785
Applicable income taxes	$869,000	2,388
Income before extraordinary items	$1,880,000	3,007
Extraordinary gains, net	$0	54
Net income	$1,880,000	3,006
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,342
Cash dividends	$224,000	4,800
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,803,160	2,956
2003-09-30 (YTD Data)		Rank
Total interest income	$5,915,000	3,535
Total interest expense	$866,000	5,843
Net interest income	$5,049,000	2,875
Provision for loan and lease losses	$115,000	4,426
Total noninterest income	$819,000	3,598
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$408,000	2,917
Trading account gains and fees	$0	153
Additional Noninterest Income	$411,000	3,481
Total noninterest expense	$3,756,000	3,042
Salaries and employee benefits	$1,851,000	3,299
Premises and equipment expense	$365,000	4,145
Additional noninterest expense	$1,540,000	2,333
Pre-tax net operating income	$1,997,000	2,856
Securities gains (losses)	$111,000	1,663
Applicable income taxes	$702,000	2,384
Income before extraordinary items	$1,406,000	3,116
Extraordinary gains, net	$0	40
Net income	$1,406,000	3,115
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	5,642
Cash dividends	$112,000	4,616
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,331,630	3,084
2003-06-30 (YTD Data)		Rank
Total interest income	$3,987,000	3,530
Total interest expense	$614,000	5,766
Net interest income	$3,373,000	2,862
Provision for loan and lease losses	$92,000	4,005
Total noninterest income	$543,000	3,565
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$285,000	2,762
Trading account gains and fees	$0	150
Additional Noninterest Income	$258,000	3,567
Total noninterest expense	$2,481,000	3,069
Salaries and employee benefits	$1,211,000	3,340
Premises and equipment expense	$240,000	4,180
Additional noninterest expense	$1,030,000	2,301
Pre-tax net operating income	$1,343,000	2,836
Securities gains (losses)	$111,000	1,425
Applicable income taxes	$485,000	2,365
Income before extraordinary items	$969,000	3,047
Extraordinary gains, net	$0	30
Net income	$969,000	3,046
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,047
Cash dividends	$112,000	4,145
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$894,630	3,057
2003-03-31 (YTD Data)		Rank
Total interest income	$1,993,000	3,535
Total interest expense	$321,000	5,729
Net interest income	$1,672,000	2,874
Provision for loan and lease losses	$46,000	3,791
Total noninterest income	$254,000	3,602
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$136,000	2,790
Trading account gains and fees	$0	134
Additional Noninterest Income	$118,000	3,632
Total noninterest expense	$1,246,000	3,042
Salaries and employee benefits	$585,000	3,428
Premises and equipment expense	$115,000	4,305
Additional noninterest expense	$546,000	2,153
Pre-tax net operating income	$634,000	2,962
Securities gains (losses)	$111,000	943
Applicable income taxes	$248,000	2,329
Income before extraordinary items	$497,000	2,958
Extraordinary gains, net	$0	21
Net income	$497,000	2,956
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,508
Cash dividends	$107,000	2,831
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$422,630	3,167
2002-12-31 (YTD Data)		Rank
Total interest income	$8,720,000	3,395
Total interest expense	$1,943,000	4,882
Net interest income	$6,777,000	2,810
Provision for loan and lease losses	$255,000	3,810
Total noninterest income	$1,046,000	3,380
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$550,000	2,743
Trading account gains and fees	$0	153
Additional Noninterest Income	$496,000	3,297
Total noninterest expense	$4,721,000	3,077
Salaries and employee benefits	$2,247,000	3,401
Premises and equipment expense	$557,000	3,629
Additional noninterest expense	$1,917,000	2,406
Pre-tax net operating income	$2,847,000	2,603
Securities gains (losses)	$11,000	3,555
Applicable income taxes	$849,000	2,488
Income before extraordinary items	$2,009,000	2,793
Extraordinary gains, net	$0	70
Net income	$2,009,000	2,791
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$150,000	3,513
Cash dividends	$518,000	3,386
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,001,300	2,717
2001-12-31 (YTD Data)		Rank
Total interest income	$9,123,000	3,600
Total interest expense	$3,326,000	4,373
Net interest income	$5,797,000	3,031
Provision for loan and lease losses	$165,000	4,586
Total noninterest income	$1,010,000	3,315
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$584,000	2,490
Trading account gains and fees	$0	177
Additional Noninterest Income	$426,000	3,410
Total noninterest expense	$4,389,000	3,149
Salaries and employee benefits	$1,965,000	3,643
Premises and equipment expense	$475,000	4,069
Additional noninterest expense	$1,949,000	2,297
Pre-tax net operating income	$2,253,000	2,898
Securities gains (losses)	$29,000	2,852
Applicable income taxes	$694,000	2,688
Income before extraordinary items	$1,588,000	3,087
Extraordinary gains, net	$0	105
Net income	$1,588,000	3,090
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$136,000	3,539
Cash dividends	$19,000	6,452
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,567,700	3,027
2000-12-31 (YTD Data)		Rank
Total interest income	$8,912,000	3,751
Total interest expense	$3,293,000	4,580
Net interest income	$5,619,000	3,139
Provision for loan and lease losses	$355,000	2,545
Total noninterest income	$908,000	3,370
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$607,000	2,267
Trading account gains and fees	$0	180
Additional Noninterest Income	$301,000	3,911
Total noninterest expense	$3,930,000	3,381
Salaries and employee benefits	$1,871,000	3,663
Premises and equipment expense	$461,000	4,049
Additional noninterest expense	$1,598,000	2,659
Pre-tax net operating income	$2,242,000	3,045
Securities gains (losses)	$0	1,956
Applicable income taxes	$729,000	2,699
Income before extraordinary items	$1,513,000	3,231
Extraordinary gains, net	$0	38
Net income	$1,513,000	3,229
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	6,846
Cash dividends	$75,000	6,167
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,513,000	3,225
1999-12-31 (YTD Data)		Rank
Total interest income	$7,573,000	4,123
Total interest expense	$2,652,000	5,034
Net interest income	$4,921,000	3,488
Provision for loan and lease losses	$390,000	2,152
Total noninterest income	$786,000	3,662
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$510,000	2,587
Trading account gains and fees	NA	NA
Additional Noninterest Income	$276,000	4,208
Total noninterest expense	$3,463,000	3,735
Salaries and employee benefits	$1,614,000	4,095
Premises and equipment expense	$365,000	4,829
Additional noninterest expense	$1,484,000	2,895
Pre-tax net operating income	$1,854,000	3,533
Securities gains (losses)	$0	3,155
Applicable income taxes	$587,000	3,270
Income before extraordinary items	$1,267,000	3,698
Extraordinary gains, net	$0	35
Net income	$1,267,000	3,699
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	4,834
Cash dividends	$80,000	6,280
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,267,000	3,667
1998-12-31 (YTD Data)		Rank
Total interest income	$6,689,000	4,559
Total interest expense	$2,385,000	5,542
Net interest income	$4,304,000	3,879
Provision for loan and lease losses	$287,000	2,727
Total noninterest income	$605,000	4,366
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$420,000	3,001
Trading account gains and fees	NA	NA
Additional Noninterest Income	$185,000	5,166
Total noninterest expense	$2,939,000	4,190
Salaries and employee benefits	$1,344,000	4,638
Premises and equipment expense	$377,000	4,629
Additional noninterest expense	$1,218,000	3,322
Pre-tax net operating income	$1,683,000	3,834
Securities gains (losses)	$0	4,449
Applicable income taxes	$550,000	3,614
Income before extraordinary items	$1,133,000	4,098
Extraordinary gains, net	$0	32
Net income	$1,133,000	4,097
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,719
Cash dividends	$65,000	6,687
Sale, conversion, retirement of capital stock, net	$21,000	923
Net operating income	$1,133,000	4,012
1997-12-31 (YTD Data)		Rank
Total interest income	$5,688,000	5,274
Total interest expense	$2,118,000	6,054
Net interest income	$3,570,000	4,658
Provision for loan and lease losses	$159,000	4,019
Total noninterest income	$549,000	4,699
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$391,000	3,277
Trading account gains and fees	NA	NA
Additional Noninterest Income	$158,000	5,563
Total noninterest expense	$2,725,000	4,445
Salaries and employee benefits	$1,230,000	4,985
Premises and equipment expense	$392,000	4,512
Additional noninterest expense	$1,103,000	3,588
Pre-tax net operating income	$1,235,000	5,146
Securities gains (losses)	$8,000	2,485
Applicable income taxes	$365,000	5,169
Income before extraordinary items	$878,000	5,130
Extraordinary gains, net	$0	44
Net income	$878,000	5,132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$181,000	2,696
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$6,000	988
Net operating income	$872,320	5,105
1996-12-31 (YTD Data)		Rank
Total interest income	$4,301,000	6,581
Total interest expense	$1,680,000	7,140
Net interest income	$2,621,000	6,014
Provision for loan and lease losses	$93,000	5,288
Total noninterest income	$434,000	5,671
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$314,000	4,085
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	6,594
Total noninterest expense	$2,115,000	5,709
Salaries and employee benefits	$937,000	6,279
Premises and equipment expense	$314,000	5,403
Additional noninterest expense	$864,000	4,901
Pre-tax net operating income	$847,000	6,307
Securities gains (losses)	$0	4,148
Applicable income taxes	$264,000	6,251
Income before extraordinary items	$583,000	6,377
Extraordinary gains, net	$0	53
Net income	$583,000	6,379
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	5,357
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$583,000	6,309
1995-12-31 (YTD Data)		Rank
Total interest income	$3,674,000	7,337
Total interest expense	$1,507,000	7,684
Net interest income	$2,167,000	6,938
Provision for loan and lease losses	$72,000	5,348
Total noninterest income	$366,000	6,307
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$257,000	4,838
Trading account gains and fees	NA	NA
Additional Noninterest Income	$109,000	6,966
Total noninterest expense	$1,655,000	6,834
Salaries and employee benefits	$763,000	7,329
Premises and equipment expense	$240,000	6,502
Additional noninterest expense	$652,000	6,182
Pre-tax net operating income	$806,000	6,811
Securities gains (losses)	$0	3,831
Applicable income taxes	$239,000	6,808
Income before extraordinary items	$567,000	6,803
Extraordinary gains, net	$0	65
Net income	$567,000	6,802
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	5,621
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$567,000	6,783
1994-12-31 (YTD Data)		Rank
Total interest income	$3,170,000	7,800
Total interest expense	$1,077,000	8,363
Net interest income	$2,093,000	7,342
Provision for loan and lease losses	$66,000	5,441
Total noninterest income	$328,000	6,917
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$251,000	5,028
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	8,362
Total noninterest expense	$1,632,000	7,196
Salaries and employee benefits	$734,000	7,643
Premises and equipment expense	$218,000	7,087
Additional noninterest expense	$680,000	6,470
Pre-tax net operating income	$723,000	7,269
Securities gains (losses)	$0	3,600
Applicable income taxes	$222,000	6,981
Income before extraordinary items	$501,000	7,307
Extraordinary gains, net	$0	249
Net income	$501,000	7,311
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$501,000	7,334
1993-12-31 (YTD Data)		Rank
Total interest income	$2,611,000	8,986
Total interest expense	$882,000	9,627
Net interest income	$1,729,000	8,417
Provision for loan and lease losses	$32,000	8,327
Total noninterest income	$314,000	7,458
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$243,000	5,221
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	9,036
Total noninterest expense	$1,381,000	8,243
Salaries and employee benefits	$628,000	8,574
Premises and equipment expense	$171,000	8,352
Additional noninterest expense	$582,000	7,499
Pre-tax net operating income	$630,000	7,743
Securities gains (losses)	$0	7,477
Applicable income taxes	$211,000	7,412
Income before extraordinary items	$419,000	8,246
Extraordinary gains, net	$-40,000	12,653
Net income	$379,000	8,804
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	7,153
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$1,000,000	463
Net operating income	$419,000	7,973
1992-12-31 (YTD Data)		Rank
Total interest income	$2,250,000	10,386
Total interest expense	$827,000	11,202
Net interest income	$1,423,000	9,539
Provision for loan and lease losses	$44,000	9,347
Total noninterest income	$257,000	8,380
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$188,000	6,229
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	9,328
Total noninterest expense	$1,165,000	9,211
Salaries and employee benefits	$537,000	9,398
Premises and equipment expense	$165,000	8,699
Additional noninterest expense	$463,000	8,834
Pre-tax net operating income	$471,000	8,627
Securities gains (losses)	$0	8,369
Applicable income taxes	$146,000	8,720
Income before extraordinary items	$325,000	8,990
Extraordinary gains, net	$0	1,422
Net income	$325,000	9,136
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	9,616
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$325,000	8,635

* 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.