Home > Jefferson Bank of Missouri > Income and Expense

Jefferson Bank of Missouri, Income and Expense

2021-09-30 (YTD Data)		Rank
Total interest income	$23,789,000	1,020
Total interest expense	$972,000	1,930
Net interest income	$22,817,000	972
Provision for loan and lease losses	$423,000	945
Total noninterest income	$7,652,000	845
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$1,180,000	648
Trading account gains and fees	$0	132
Additional Noninterest Income	$6,472,000	765
Total noninterest expense	$12,461,000	1,349
Salaries and employee benefits	$5,809,000	1,606
Premises and equipment expense	$615,000	2,310
Additional noninterest expense	$6,037,000	935
Pre-tax net operating income	$17,585,000	673
Securities gains (losses)	$5,000	1,760
Applicable income taxes	$4,171,000	602
Income before extraordinary items	$13,419,000	729
Extraordinary gains, net	$0	8
Net income	$13,419,000	729
Minority interest net income	$0	69
Net income of bank and minority interests.	$13,419,000	729
Net charge-offs	$115,000	1,022
Cash dividends	$12,000,000	327
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$13,415,050	713
2021-06-30 (YTD Data)		Rank
Total interest income	$15,787,000	1,018
Total interest expense	$689,000	1,918
Net interest income	$15,098,000	968
Provision for loan and lease losses	$407,000	719
Total noninterest income	$5,127,000	838
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$738,000	664
Trading account gains and fees	$0	133
Additional Noninterest Income	$4,389,000	757
Total noninterest expense	$8,231,000	1,355
Salaries and employee benefits	$3,879,000	1,597
Premises and equipment expense	$407,000	2,315
Additional noninterest expense	$3,945,000	940
Pre-tax net operating income	$11,587,000	676
Securities gains (losses)	$0	1,818
Applicable income taxes	$2,747,000	598
Income before extraordinary items	$8,840,000	726
Extraordinary gains, net	$0	6
Net income	$8,840,000	726
Minority interest net income	$0	67
Net income of bank and minority interests.	$8,840,000	726
Net charge-offs	$81,000	987
Cash dividends	$7,000,000	347
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$8,840,000	709
2021-03-31 (YTD Data)		Rank
Total interest income	$7,791,000	1,019
Total interest expense	$370,000	1,892
Net interest income	$7,421,000	964
Provision for loan and lease losses	$298,000	621
Total noninterest income	$2,504,000	854
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$333,000	721
Trading account gains and fees	$0	127
Additional Noninterest Income	$2,171,000	772
Total noninterest expense	$4,007,000	1,366
Salaries and employee benefits	$1,917,000	1,607
Premises and equipment expense	$205,000	2,322
Additional noninterest expense	$1,885,000	952
Pre-tax net operating income	$5,620,000	702
Securities gains (losses)	$0	1,392
Applicable income taxes	$1,330,000	615
Income before extraordinary items	$4,290,000	770
Extraordinary gains, net	$0	3
Net income	$4,290,000	770
Minority interest net income	$0	55
Net income of bank and minority interests.	$4,290,000	770
Net charge-offs	$71,000	712
Cash dividends	$4,000,000	273
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$4,290,000	746
2020-12-31 (YTD Data)		Rank
Total interest income	$29,024,000	1,095
Total interest expense	$2,406,000	1,754
Net interest income	$26,618,000	1,012
Provision for loan and lease losses	$2,338,000	943
Total noninterest income	$10,713,000	763
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$1,442,000	693
Trading account gains and fees	$0	133
Additional Noninterest Income	$9,271,000	682
Total noninterest expense	$15,980,000	1,334
Salaries and employee benefits	$7,686,000	1,561
Premises and equipment expense	$863,000	2,227
Additional noninterest expense	$7,431,000	939
Pre-tax net operating income	$19,013,000	618
Securities gains (losses)	$0	2,675
Applicable income taxes	$4,481,000	533
Income before extraordinary items	$14,532,000	680
Extraordinary gains, net	$0	4
Net income	$14,532,000	680
Minority interest net income	$0	72
Net income of bank and minority interests.	$14,532,000	680
Net charge-offs	$1,053,000	628
Cash dividends	$4,500,000	825
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$14,532,000	651
2020-09-30 (YTD Data)		Rank
Total interest income	$21,717,000	1,099
Total interest expense	$1,969,000	1,721
Net interest income	$19,748,000	1,012
Provision for loan and lease losses	$1,633,000	1,003
Total noninterest income	$7,930,000	738
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,067,000	696
Trading account gains and fees	$0	125
Additional Noninterest Income	$6,863,000	659
Total noninterest expense	$11,973,000	1,316
Salaries and employee benefits	$5,744,000	1,554
Premises and equipment expense	$624,000	2,282
Additional noninterest expense	$5,605,000	913
Pre-tax net operating income	$14,072,000	597
Securities gains (losses)	$0	2,494
Applicable income taxes	$3,311,000	501
Income before extraordinary items	$10,761,000	657
Extraordinary gains, net	$0	4
Net income	$10,761,000	656
Minority interest net income	$0	65
Net income of bank and minority interests.	$10,761,000	657
Net charge-offs	$371,000	913
Cash dividends	$1,500,000	1,324
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$10,761,000	628
2020-06-30 (YTD Data)		Rank
Total interest income	$14,437,000	1,105
Total interest expense	$1,448,000	1,693
Net interest income	$12,989,000	1,030
Provision for loan and lease losses	$930,000	1,139
Total noninterest income	$4,229,000	830
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$693,000	724
Trading account gains and fees	$0	123
Additional Noninterest Income	$3,536,000	727
Total noninterest expense	$7,789,000	1,339
Salaries and employee benefits	$3,703,000	1,589
Premises and equipment expense	$403,000	2,320
Additional noninterest expense	$3,683,000	925
Pre-tax net operating income	$8,499,000	592
Securities gains (losses)	$0	2,249
Applicable income taxes	$1,994,000	494
Income before extraordinary items	$6,505,000	664
Extraordinary gains, net	$0	4
Net income	$6,505,000	664
Minority interest net income	$0	65
Net income of bank and minority interests.	$6,505,000	664
Net charge-offs	$269,000	859
Cash dividends	$1,500,000	984
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$6,505,000	639
2020-03-31 (YTD Data)		Rank
Total interest income	$7,175,000	1,112
Total interest expense	$866,000	1,595
Net interest income	$6,309,000	1,044
Provision for loan and lease losses	$239,000	1,341
Total noninterest income	$1,640,000	927
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$396,000	751
Trading account gains and fees	$0	106
Additional Noninterest Income	$1,244,000	835
Total noninterest expense	$3,781,000	1,389
Salaries and employee benefits	$1,772,000	1,659
Premises and equipment expense	$197,000	2,366
Additional noninterest expense	$1,812,000	951
Pre-tax net operating income	$3,929,000	574
Securities gains (losses)	$0	1,705
Applicable income taxes	$917,000	492
Income before extraordinary items	$3,012,000	648
Extraordinary gains, net	$0	4
Net income	$3,012,000	648
Minority interest net income	$0	56
Net income of bank and minority interests.	$3,012,000	648
Net charge-offs	$198,000	639
Cash dividends	$1,500,000	602
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$3,012,000	628
2019-12-31 (YTD Data)		Rank
Total interest income	$28,777,000	1,123
Total interest expense	$3,779,000	1,539
Net interest income	$24,998,000	1,048
Provision for loan and lease losses	$721,000	1,170
Total noninterest income	$6,038,000	990
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,641,000	756
Trading account gains and fees	$0	135
Additional Noninterest Income	$4,397,000	905
Total noninterest expense	$14,974,000	1,359
Salaries and employee benefits	$6,816,000	1,673
Premises and equipment expense	$880,000	2,211
Additional noninterest expense	$7,278,000	931
Pre-tax net operating income	$15,341,000	736
Securities gains (losses)	$-1,000	4,531
Applicable income taxes	$3,887,000	597
Income before extraordinary items	$11,453,000	838
Extraordinary gains, net	$0	11
Net income	$11,453,000	838
Minority interest net income	$0	76
Net income of bank and minority interests.	$11,453,000	839
Net charge-offs	$579,000	943
Cash dividends	$8,250,000	549
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$11,453,790	812
2019-09-30 (YTD Data)		Rank
Total interest income	$21,319,000	1,137
Total interest expense	$2,811,000	1,560
Net interest income	$18,508,000	1,072
Provision for loan and lease losses	$474,000	1,207
Total noninterest income	$4,547,000	967
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$1,222,000	751
Trading account gains and fees	$0	129
Additional Noninterest Income	$3,325,000	892
Total noninterest expense	$10,935,000	1,398
Salaries and employee benefits	$5,022,000	1,707
Premises and equipment expense	$585,000	2,399
Additional noninterest expense	$5,328,000	949
Pre-tax net operating income	$11,646,000	741
Securities gains (losses)	$0	2,167
Applicable income taxes	$2,850,000	616
Income before extraordinary items	$8,796,000	828
Extraordinary gains, net	$0	11
Net income	$8,796,000	829
Minority interest net income	$0	72
Net income of bank and minority interests.	$8,796,000	829
Net charge-offs	$30,000	2,512
Cash dividends	$8,250,000	422
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$8,796,000	808
2019-06-30 (YTD Data)		Rank
Total interest income	$13,985,000	1,148
Total interest expense	$1,814,000	1,570
Net interest income	$12,171,000	1,079
Provision for loan and lease losses	$308,000	1,176
Total noninterest income	$2,966,000	972
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$788,000	770
Trading account gains and fees	$0	131
Additional Noninterest Income	$2,178,000	874
Total noninterest expense	$7,199,000	1,416
Salaries and employee benefits	$3,303,000	1,728
Premises and equipment expense	$375,000	2,456
Additional noninterest expense	$3,521,000	961
Pre-tax net operating income	$7,630,000	731
Securities gains (losses)	$0	1,702
Applicable income taxes	$1,869,000	601
Income before extraordinary items	$5,761,000	821
Extraordinary gains, net	$0	11
Net income	$5,761,000	821
Minority interest net income	$0	69
Net income of bank and minority interests.	$5,761,000	821
Net charge-offs	$116,000	1,324
Cash dividends	$5,500,000	409
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$5,761,000	802
2019-03-31 (YTD Data)		Rank
Total interest income	$6,823,000	1,163
Total interest expense	$865,000	1,593
Net interest income	$5,958,000	1,101
Provision for loan and lease losses	$169,000	1,066
Total noninterest income	$1,431,000	971
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$384,000	775
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,047,000	876
Total noninterest expense	$3,605,000	1,424
Salaries and employee benefits	$1,663,000	1,725
Premises and equipment expense	$187,000	2,484
Additional noninterest expense	$1,755,000	946
Pre-tax net operating income	$3,615,000	748
Securities gains (losses)	$0	1,087
Applicable income taxes	$883,000	604
Income before extraordinary items	$2,732,000	842
Extraordinary gains, net	$0	5
Net income	$2,732,000	841
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,732,000	841
Net charge-offs	$-17,000	4,823
Cash dividends	$2,750,000	407
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$2,732,000	825
2018-12-31 (YTD Data)		Rank
Total interest income	$25,337,000	1,165
Total interest expense	$2,328,000	1,739
Net interest income	$23,009,000	1,102
Provision for loan and lease losses	$1,201,000	766
Total noninterest income	$6,399,000	933
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,696,000	738
Trading account gains and fees	$0	126
Additional Noninterest Income	$4,703,000	827
Total noninterest expense	$13,842,000	1,441
Salaries and employee benefits	$6,299,000	1,740
Premises and equipment expense	$773,000	2,414
Additional noninterest expense	$6,770,000	990
Pre-tax net operating income	$14,365,000	772
Securities gains (losses)	$2,000	956
Applicable income taxes	$3,361,000	613
Income before extraordinary items	$11,006,000	844
Extraordinary gains, net	$0	6
Net income	$11,006,000	842
Minority interest net income	$0	72
Net income of bank and minority interests.	$11,006,000	843
Net charge-offs	$1,201,000	501
Cash dividends	$8,800,000	475
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$11,004,420	845
2018-09-30 (YTD Data)		Rank
Total interest income	$18,422,000	1,182
Total interest expense	$1,543,000	1,839
Net interest income	$16,879,000	1,116
Provision for loan and lease losses	$709,000	855
Total noninterest income	$4,780,000	943
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,252,000	743
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,528,000	836
Total noninterest expense	$10,448,000	1,447
Salaries and employee benefits	$4,668,000	1,763
Premises and equipment expense	$580,000	2,440
Additional noninterest expense	$5,200,000	955
Pre-tax net operating income	$10,502,000	786
Securities gains (losses)	$0	1,118
Applicable income taxes	$2,519,000	620
Income before extraordinary items	$7,983,000	863
Extraordinary gains, net	$0	5
Net income	$7,983,000	861
Minority interest net income	$0	66
Net income of bank and minority interests.	$7,983,000	862
Net charge-offs	$691,000	580
Cash dividends	$7,800,000	385
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$7,983,000	859
2018-06-30 (YTD Data)		Rank
Total interest income	$12,001,000	1,198
Total interest expense	$959,000	1,841
Net interest income	$11,042,000	1,129
Provision for loan and lease losses	$540,000	772
Total noninterest income	$3,116,000	957
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$809,000	759
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,307,000	849
Total noninterest expense	$6,884,000	1,457
Salaries and employee benefits	$3,121,000	1,776
Premises and equipment expense	$361,000	2,544
Additional noninterest expense	$3,402,000	965
Pre-tax net operating income	$6,734,000	802
Securities gains (losses)	$0	961
Applicable income taxes	$1,616,000	635
Income before extraordinary items	$5,118,000	878
Extraordinary gains, net	$0	6
Net income	$5,118,000	876
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,118,000	877
Net charge-offs	$535,000	498
Cash dividends	$4,800,000	408
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$5,118,000	872
2018-03-31 (YTD Data)		Rank
Total interest income	$5,907,000	1,207
Total interest expense	$443,000	1,878
Net interest income	$5,464,000	1,144
Provision for loan and lease losses	$310,000	663
Total noninterest income	$1,490,000	971
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$395,000	783
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,095,000	873
Total noninterest expense	$3,383,000	1,492
Salaries and employee benefits	$1,555,000	1,792
Premises and equipment expense	$171,000	2,693
Additional noninterest expense	$1,657,000	978
Pre-tax net operating income	$3,261,000	801
Securities gains (losses)	$0	735
Applicable income taxes	$780,000	636
Income before extraordinary items	$2,481,000	885
Extraordinary gains, net	$0	7
Net income	$2,481,000	885
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,481,000	885
Net charge-offs	$267,000	459
Cash dividends	$2,300,000	377
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$2,481,000	878
2017-12-31 (YTD Data)		Rank
Total interest income	$23,065,000	1,198
Total interest expense	$1,576,000	1,847
Net interest income	$21,489,000	1,139
Provision for loan and lease losses	$1,516,000	635
Total noninterest income	$6,585,000	912
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,670,000	752
Trading account gains and fees	$0	151
Additional Noninterest Income	$4,915,000	827
Total noninterest expense	$13,933,000	1,441
Salaries and employee benefits	$6,333,000	1,738
Premises and equipment expense	$776,000	2,501
Additional noninterest expense	$6,824,000	956
Pre-tax net operating income	$12,625,000	806
Securities gains (losses)	$18,000	1,369
Applicable income taxes	$5,242,000	644
Income before extraordinary items	$7,401,000	971
Extraordinary gains, net	$0	9
Net income	$7,401,000	971
Minority interest net income	$0	76
Net income of bank and minority interests.	$7,401,000	971
Net charge-offs	$1,513,000	509
Cash dividends	$2,500,000	1,179
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$7,389,480	961
2017-09-30 (YTD Data)		Rank
Total interest income	$17,121,000	1,207
Total interest expense	$1,148,000	1,871
Net interest income	$15,973,000	1,147
Provision for loan and lease losses	$724,000	904
Total noninterest income	$4,768,000	951
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$1,243,000	759
Trading account gains and fees	$0	145
Additional Noninterest Income	$3,525,000	872
Total noninterest expense	$10,489,000	1,429
Salaries and employee benefits	$4,772,000	1,730
Premises and equipment expense	$554,000	2,596
Additional noninterest expense	$5,163,000	952
Pre-tax net operating income	$9,528,000	814
Securities gains (losses)	$18,000	1,361
Applicable income taxes	$3,431,000	618
Income before extraordinary items	$6,115,000	970
Extraordinary gains, net	$0	9
Net income	$6,115,000	970
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,115,000	970
Net charge-offs	$752,000	602
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$6,103,480	955
2017-06-30 (YTD Data)		Rank
Total interest income	$11,265,000	1,214
Total interest expense	$734,000	1,901
Net interest income	$10,531,000	1,154
Provision for loan and lease losses	$406,000	974
Total noninterest income	$3,092,000	968
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$821,000	754
Trading account gains and fees	$0	139
Additional Noninterest Income	$2,271,000	889
Total noninterest expense	$6,917,000	1,453
Salaries and employee benefits	$3,156,000	1,744
Premises and equipment expense	$362,000	2,635
Additional noninterest expense	$3,399,000	962
Pre-tax net operating income	$6,300,000	801
Securities gains (losses)	$0	1,906
Applicable income taxes	$2,258,000	615
Income before extraordinary items	$4,042,000	956
Extraordinary gains, net	$0	11
Net income	$4,042,000	957
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,042,000	956
Net charge-offs	$402,000	675
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$4,042,000	946
2017-03-31 (YTD Data)		Rank
Total interest income	$5,561,000	1,214
Total interest expense	$355,000	1,932
Net interest income	$5,206,000	1,156
Provision for loan and lease losses	$310,000	658
Total noninterest income	$1,464,000	997
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$409,000	759
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,055,000	918
Total noninterest expense	$3,420,000	1,469
Salaries and employee benefits	$1,570,000	1,770
Premises and equipment expense	$166,000	2,821
Additional noninterest expense	$1,684,000	955
Pre-tax net operating income	$2,940,000	833
Securities gains (losses)	$0	1,153
Applicable income taxes	$1,050,000	631
Income before extraordinary items	$1,890,000	1,002
Extraordinary gains, net	$0	8
Net income	$1,890,000	1,003
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,890,000	1,002
Net charge-offs	$214,000	573
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,890,000	985
2016-12-31 (YTD Data)		Rank
Total interest income	$21,997,000	1,196
Total interest expense	$1,085,000	2,282
Net interest income	$20,912,000	1,126
Provision for loan and lease losses	$1,523,000	641
Total noninterest income	$6,881,000	915
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$1,634,000	772
Trading account gains and fees	$0	170
Additional Noninterest Income	$5,247,000	817
Total noninterest expense	$13,957,000	1,399
Salaries and employee benefits	$6,251,000	1,719
Premises and equipment expense	$934,000	2,252
Additional noninterest expense	$6,772,000	968
Pre-tax net operating income	$12,313,000	769
Securities gains (losses)	$4,000	2,928
Applicable income taxes	$4,288,000	614
Income before extraordinary items	$8,029,000	926
Extraordinary gains, net	$0	5
Net income	$8,029,000	925
Minority interest net income	$0	82
Net income of bank and minority interests.	$8,029,000	925
Net charge-offs	$1,464,000	495
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$8,026,400	901
2016-09-30 (YTD Data)		Rank
Total interest income	$16,330,000	1,212
Total interest expense	$793,000	2,325
Net interest income	$15,537,000	1,137
Provision for loan and lease losses	$763,000	846
Total noninterest income	$5,084,000	922
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,200,000	793
Trading account gains and fees	$0	169
Additional Noninterest Income	$3,884,000	812
Total noninterest expense	$10,609,000	1,373
Salaries and employee benefits	$4,709,000	1,716
Premises and equipment expense	$655,000	2,363
Additional noninterest expense	$5,245,000	941
Pre-tax net operating income	$9,249,000	768
Securities gains (losses)	$4,000	2,856
Applicable income taxes	$3,193,000	629
Income before extraordinary items	$6,060,000	920
Extraordinary gains, net	$0	5
Net income	$6,060,000	919
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,060,000	920
Net charge-offs	$928,000	505
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$6,057,400	897
2016-06-30 (YTD Data)		Rank
Total interest income	$10,834,000	1,219
Total interest expense	$521,000	2,365
Net interest income	$10,313,000	1,138
Provision for loan and lease losses	$467,000	906
Total noninterest income	$3,430,000	910
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$777,000	803
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,653,000	792
Total noninterest expense	$7,054,000	1,393
Salaries and employee benefits	$3,118,000	1,723
Premises and equipment expense	$426,000	2,397
Additional noninterest expense	$3,510,000	943
Pre-tax net operating income	$6,222,000	745
Securities gains (losses)	$0	2,835
Applicable income taxes	$2,108,000	621
Income before extraordinary items	$4,114,000	886
Extraordinary gains, net	$0	16
Net income	$4,114,000	884
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,114,000	885
Net charge-offs	$560,000	550
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$4,114,000	862
2016-03-31 (YTD Data)		Rank
Total interest income	$5,358,000	1,223
Total interest expense	$257,000	2,397
Net interest income	$5,101,000	1,155
Provision for loan and lease losses	$231,000	855
Total noninterest income	$1,556,000	936
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$387,000	801
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,169,000	839
Total noninterest expense	$3,380,000	1,450
Salaries and employee benefits	$1,529,000	1,758
Premises and equipment expense	$205,000	2,499
Additional noninterest expense	$1,646,000	994
Pre-tax net operating income	$3,046,000	752
Securities gains (losses)	$0	2,077
Applicable income taxes	$1,076,000	607
Income before extraordinary items	$1,970,000	904
Extraordinary gains, net	$0	12
Net income	$1,970,000	905
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,970,000	905
Net charge-offs	$140,000	821
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,970,000	878
2015-12-31 (YTD Data)		Rank
Total interest income	$21,129,000	1,210
Total interest expense	$1,019,000	2,383
Net interest income	$20,110,000	1,131
Provision for loan and lease losses	$1,092,000	768
Total noninterest income	$6,607,000	932
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$1,670,000	780
Trading account gains and fees	$0	159
Additional Noninterest Income	$4,937,000	824
Total noninterest expense	$13,634,000	1,427
Salaries and employee benefits	$6,153,000	1,714
Premises and equipment expense	$912,000	2,317
Additional noninterest expense	$6,569,000	1,007
Pre-tax net operating income	$11,991,000	751
Securities gains (losses)	$3,000	2,963
Applicable income taxes	$4,180,000	597
Income before extraordinary items	$7,814,000	909
Extraordinary gains, net	$0	23
Net income	$7,814,000	909
Minority interest net income	$0	81
Net income of bank and minority interests.	$7,814,000	909
Net charge-offs	$1,299,000	561
Cash dividends	$5,500,000	610
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$7,812,050	888
2015-09-30 (YTD Data)		Rank
Total interest income	$15,648,000	1,228
Total interest expense	$760,000	2,421
Net interest income	$14,888,000	1,154
Provision for loan and lease losses	$679,000	810
Total noninterest income	$4,796,000	954
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$1,240,000	793
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,556,000	855
Total noninterest expense	$10,120,000	1,447
Salaries and employee benefits	$4,581,000	1,730
Premises and equipment expense	$639,000	2,466
Additional noninterest expense	$4,900,000	1,009
Pre-tax net operating income	$8,885,000	774
Securities gains (losses)	$3,000	2,757
Applicable income taxes	$3,099,000	619
Income before extraordinary items	$5,789,000	923
Extraordinary gains, net	$0	21
Net income	$5,789,000	923
Minority interest net income	$0	78
Net income of bank and minority interests.	$5,789,000	923
Net charge-offs	$566,000	790
Cash dividends	$5,500,000	448
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$5,787,050	899
2015-06-30 (YTD Data)		Rank
Total interest income	$10,366,000	1,233
Total interest expense	$501,000	2,461
Net interest income	$9,865,000	1,161
Provision for loan and lease losses	$394,000	930
Total noninterest income	$3,048,000	989
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$794,000	813
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,254,000	888
Total noninterest expense	$6,629,000	1,484
Salaries and employee benefits	$3,013,000	1,753
Premises and equipment expense	$399,000	2,607
Additional noninterest expense	$3,217,000	1,027
Pre-tax net operating income	$5,890,000	777
Securities gains (losses)	$3,000	2,361
Applicable income taxes	$2,064,000	625
Income before extraordinary items	$3,829,000	928
Extraordinary gains, net	$0	22
Net income	$3,829,000	928
Minority interest net income	$0	75
Net income of bank and minority interests.	$3,829,000	928
Net charge-offs	$265,000	1,004
Cash dividends	$3,700,000	430
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$3,827,050	900
2015-03-31 (YTD Data)		Rank
Total interest income	$5,108,000	1,247
Total interest expense	$247,000	2,499
Net interest income	$4,861,000	1,169
Provision for loan and lease losses	$201,000	882
Total noninterest income	$1,455,000	993
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$384,000	809
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,071,000	888
Total noninterest expense	$3,237,000	1,509
Salaries and employee benefits	$1,477,000	1,791
Premises and equipment expense	$194,000	2,706
Additional noninterest expense	$1,566,000	1,037
Pre-tax net operating income	$2,878,000	769
Securities gains (losses)	$2,000	1,821
Applicable income taxes	$1,005,000	626
Income before extraordinary items	$1,875,000	916
Extraordinary gains, net	$0	13
Net income	$1,875,000	917
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,875,000	916
Net charge-offs	$136,000	923
Cash dividends	$1,800,000	396
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,873,700	883
2014-12-31 (YTD Data)		Rank
Total interest income	$20,601,000	1,226
Total interest expense	$1,089,000	2,445
Net interest income	$19,512,000	1,154
Provision for loan and lease losses	$1,016,000	857
Total noninterest income	$6,334,000	929
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,649,000	813
Trading account gains and fees	$0	180
Additional Noninterest Income	$4,685,000	799
Total noninterest expense	$12,752,000	1,493
Salaries and employee benefits	$5,649,000	1,822
Premises and equipment expense	$855,000	2,538
Additional noninterest expense	$6,248,000	1,060
Pre-tax net operating income	$12,078,000	698
Securities gains (losses)	$94,000	1,297
Applicable income taxes	$4,232,000	563
Income before extraordinary items	$7,940,000	837
Extraordinary gains, net	$0	17
Net income	$7,940,000	836
Minority interest net income	$0	84
Net income of bank and minority interests.	$7,940,000	836
Net charge-offs	$1,016,000	884
Cash dividends	$7,900,000	410
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$7,878,900	823
2014-09-30 (YTD Data)		Rank
Total interest income	$15,390,000	1,235
Total interest expense	$831,000	2,438
Net interest income	$14,559,000	1,168
Provision for loan and lease losses	$856,000	768
Total noninterest income	$4,674,000	927
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$1,220,000	830
Trading account gains and fees	$0	174
Additional Noninterest Income	$3,454,000	809
Total noninterest expense	$9,455,000	1,516
Salaries and employee benefits	$4,229,000	1,832
Premises and equipment expense	$616,000	2,644
Additional noninterest expense	$4,610,000	1,070
Pre-tax net operating income	$8,922,000	710
Securities gains (losses)	$91,000	1,063
Applicable income taxes	$3,133,000	577
Income before extraordinary items	$5,880,000	845
Extraordinary gains, net	$0	15
Net income	$5,880,000	844
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,880,000	844
Net charge-offs	$532,000	1,101
Cash dividends	$5,800,000	390
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$5,820,850	841
2014-06-30 (YTD Data)		Rank
Total interest income	$10,221,000	1,235
Total interest expense	$556,000	2,458
Net interest income	$9,665,000	1,168
Provision for loan and lease losses	$483,000	872
Total noninterest income	$3,064,000	926
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$777,000	859
Trading account gains and fees	$0	172
Additional Noninterest Income	$2,287,000	794
Total noninterest expense	$6,315,000	1,519
Salaries and employee benefits	$2,803,000	1,835
Premises and equipment expense	$398,000	2,719
Additional noninterest expense	$3,114,000	1,043
Pre-tax net operating income	$5,931,000	695
Securities gains (losses)	$91,000	844
Applicable income taxes	$2,089,000	561
Income before extraordinary items	$3,933,000	829
Extraordinary gains, net	$0	20
Net income	$3,933,000	829
Minority interest net income	$0	80
Net income of bank and minority interests.	$3,933,000	829
Net charge-offs	$369,000	1,104
Cash dividends	$3,800,000	396
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$3,873,850	820
2014-03-31 (YTD Data)		Rank
Total interest income	$5,061,000	1,252
Total interest expense	$281,000	2,475
Net interest income	$4,780,000	1,174
Provision for loan and lease losses	$205,000	972
Total noninterest income	$1,432,000	948
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$374,000	876
Trading account gains and fees	$0	147
Additional Noninterest Income	$1,058,000	805
Total noninterest expense	$3,063,000	1,569
Salaries and employee benefits	$1,348,000	1,931
Premises and equipment expense	$197,000	2,779
Additional noninterest expense	$1,518,000	1,060
Pre-tax net operating income	$2,944,000	683
Securities gains (losses)	$5,000	1,340
Applicable income taxes	$1,019,000	549
Income before extraordinary items	$1,930,000	814
Extraordinary gains, net	$0	16
Net income	$1,930,000	816
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,930,000	815
Net charge-offs	$204,000	938
Cash dividends	$1,900,000	354
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,926,750	794
2013-12-31 (YTD Data)		Rank
Total interest income	$21,159,000	1,213
Total interest expense	$1,603,000	2,038
Net interest income	$19,556,000	1,122
Provision for loan and lease losses	$1,026,000	1,067
Total noninterest income	$7,515,000	839
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,584,000	876
Trading account gains and fees	$0	184
Additional Noninterest Income	$5,931,000	709
Total noninterest expense	$14,223,000	1,394
Salaries and employee benefits	$5,916,000	1,738
Premises and equipment expense	$797,000	2,712
Additional noninterest expense	$7,510,000	906
Pre-tax net operating income	$11,822,000	662
Securities gains (losses)	$453,000	494
Applicable income taxes	$4,269,000	508
Income before extraordinary items	$8,006,000	787
Extraordinary gains, net	$0	29
Net income	$8,006,000	787
Minority interest net income	$0	90
Net income of bank and minority interests.	$8,006,000	788
Net charge-offs	$1,094,000	1,182
Cash dividends	$8,000,000	382
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$7,711,550	802
2013-09-30 (YTD Data)		Rank
Total interest income	$15,945,000	1,211
Total interest expense	$1,302,000	1,980
Net interest income	$14,643,000	1,124
Provision for loan and lease losses	$1,020,000	865
Total noninterest income	$5,543,000	859
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$1,173,000	890
Trading account gains and fees	$0	180
Additional Noninterest Income	$4,370,000	733
Total noninterest expense	$9,979,000	1,473
Salaries and employee benefits	$4,431,000	1,745
Premises and equipment expense	$593,000	2,749
Additional noninterest expense	$4,955,000	1,028
Pre-tax net operating income	$9,187,000	660
Securities gains (losses)	$453,000	448
Applicable income taxes	$3,375,000	507
Income before extraordinary items	$6,265,000	770
Extraordinary gains, net	$0	25
Net income	$6,265,000	771
Minority interest net income	$0	84
Net income of bank and minority interests.	$6,265,000	772
Net charge-offs	$361,000	1,927
Cash dividends	$6,000,000	355
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$5,970,550	783
2013-06-30 (YTD Data)		Rank
Total interest income	$10,688,000	1,194
Total interest expense	$929,000	1,904
Net interest income	$9,759,000	1,112
Provision for loan and lease losses	$760,000	825
Total noninterest income	$3,731,000	861
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$729,000	929
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,002,000	726
Total noninterest expense	$6,603,000	1,487
Salaries and employee benefits	$2,914,000	1,763
Premises and equipment expense	$372,000	2,870
Additional noninterest expense	$3,317,000	1,007
Pre-tax net operating income	$6,127,000	636
Securities gains (losses)	$347,000	503
Applicable income taxes	$2,265,000	500
Income before extraordinary items	$4,209,000	742
Extraordinary gains, net	$0	22
Net income	$4,209,000	744
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,209,000	744
Net charge-offs	$180,000	2,199
Cash dividends	$4,000,000	349
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$3,983,450	753
2013-03-31 (YTD Data)		Rank
Total interest income	$5,351,000	1,202
Total interest expense	$487,000	1,875
Net interest income	$4,864,000	1,126
Provision for loan and lease losses	$403,000	788
Total noninterest income	$1,889,000	860
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$359,000	921
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,530,000	737
Total noninterest expense	$3,192,000	1,533
Salaries and employee benefits	$1,396,000	1,864
Premises and equipment expense	$179,000	2,971
Additional noninterest expense	$1,617,000	1,041
Pre-tax net operating income	$3,158,000	617
Securities gains (losses)	$0	1,966
Applicable income taxes	$1,102,000	507
Income before extraordinary items	$2,056,000	760
Extraordinary gains, net	$0	10
Net income	$2,056,000	761
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,056,000	762
Net charge-offs	$-27,000	6,537
Cash dividends	$2,000,000	297
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$2,056,000	722
2012-12-31 (YTD Data)		Rank
Total interest income	$22,235,000	1,199
Total interest expense	$2,324,000	1,875
Net interest income	$19,911,000	1,098
Provision for loan and lease losses	$2,269,000	970
Total noninterest income	$8,593,000	760
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$1,582,000	898
Trading account gains and fees	$0	166
Additional Noninterest Income	$7,011,000	623
Total noninterest expense	$12,781,000	1,526
Salaries and employee benefits	$5,840,000	1,742
Premises and equipment expense	$795,000	2,764
Additional noninterest expense	$6,146,000	1,133
Pre-tax net operating income	$13,454,000	570
Securities gains (losses)	$5,000	3,522
Applicable income taxes	$4,679,000	452
Income before extraordinary items	$8,780,000	685
Extraordinary gains, net	$0	29
Net income	$8,780,000	685
Minority interest net income	$0	93
Net income of bank and minority interests.	$8,780,000	685
Net charge-offs	$1,823,000	1,243
Cash dividends	$8,750,000	353
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$8,776,750	661
2012-09-30 (YTD Data)		Rank
Total interest income	$16,933,000	1,208
Total interest expense	$1,789,000	1,906
Net interest income	$15,144,000	1,100
Provision for loan and lease losses	$1,133,000	1,302
Total noninterest income	$5,529,000	845
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$1,180,000	908
Trading account gains and fees	$0	157
Additional Noninterest Income	$4,349,000	711
Total noninterest expense	$9,518,000	1,537
Salaries and employee benefits	$4,382,000	1,714
Premises and equipment expense	$605,000	2,753
Additional noninterest expense	$4,531,000	1,143
Pre-tax net operating income	$10,022,000	588
Securities gains (losses)	$-5,000	6,828
Applicable income taxes	$3,485,000	467
Income before extraordinary items	$6,532,000	709
Extraordinary gains, net	$0	20
Net income	$6,532,000	709
Minority interest net income	$0	86
Net income of bank and minority interests.	$6,532,000	710
Net charge-offs	$783,000	1,696
Cash dividends	$6,000,000	312
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$6,535,250	679
2012-06-30 (YTD Data)		Rank
Total interest income	$11,248,000	1,214
Total interest expense	$1,215,000	1,942
Net interest income	$10,033,000	1,108
Provision for loan and lease losses	$701,000	1,419
Total noninterest income	$3,598,000	852
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$780,000	904
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,818,000	729
Total noninterest expense	$6,274,000	1,553
Salaries and employee benefits	$2,907,000	1,726
Premises and equipment expense	$382,000	2,865
Additional noninterest expense	$2,985,000	1,153
Pre-tax net operating income	$6,656,000	579
Securities gains (losses)	$-5,000	6,901
Applicable income taxes	$2,314,000	469
Income before extraordinary items	$4,337,000	703
Extraordinary gains, net	$0	19
Net income	$4,337,000	701
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,337,000	703
Net charge-offs	$377,000	2,063
Cash dividends	$4,000,000	301
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$4,340,250	672
2012-03-31 (YTD Data)		Rank
Total interest income	$5,606,000	1,228
Total interest expense	$621,000	1,977
Net interest income	$4,985,000	1,115
Provision for loan and lease losses	$355,000	1,352
Total noninterest income	$1,918,000	808
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$391,000	884
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,527,000	677
Total noninterest expense	$3,141,000	1,554
Salaries and employee benefits	$1,464,000	1,719
Premises and equipment expense	$186,000	2,940
Additional noninterest expense	$1,491,000	1,144
Pre-tax net operating income	$3,407,000	563
Securities gains (losses)	$-5,000	7,002
Applicable income taxes	$1,187,000	457
Income before extraordinary items	$2,215,000	690
Extraordinary gains, net	$0	19
Net income	$2,215,000	691
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,215,000	691
Net charge-offs	$127,000	2,244
Cash dividends	$2,000,000	258
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$2,218,250	660
2011-12-31 (YTD Data)		Rank
Total interest income	$23,036,000	1,242
Total interest expense	$2,800,000	2,075
Net interest income	$20,236,000	1,100
Provision for loan and lease losses	$1,794,000	1,693
Total noninterest income	$6,612,000	831
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$1,726,000	852
Trading account gains and fees	$0	146
Additional Noninterest Income	$4,886,000	714
Total noninterest expense	$12,662,000	1,544
Salaries and employee benefits	$5,751,000	1,688
Premises and equipment expense	$835,000	2,817
Additional noninterest expense	$6,076,000	1,158
Pre-tax net operating income	$12,392,000	516
Securities gains (losses)	$61,000	2,432
Applicable income taxes	$4,319,000	447
Income before extraordinary items	$8,134,000	629
Extraordinary gains, net	$0	29
Net income	$8,134,000	628
Minority interest net income	$0	96
Net income of bank and minority interests.	$8,134,000	629
Net charge-offs	$1,464,000	1,911
Cash dividends	$13,000,000	196
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$8,094,350	610
2011-09-30 (YTD Data)		Rank
Total interest income	$17,257,000	1,260
Total interest expense	$2,146,000	2,116
Net interest income	$15,111,000	1,109
Provision for loan and lease losses	$1,085,000	1,871
Total noninterest income	$4,579,000	898
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$1,300,000	854
Trading account gains and fees	$0	145
Additional Noninterest Income	$3,279,000	776
Total noninterest expense	$9,518,000	1,538
Salaries and employee benefits	$4,346,000	1,685
Premises and equipment expense	$633,000	2,810
Additional noninterest expense	$4,539,000	1,149
Pre-tax net operating income	$9,087,000	538
Securities gains (losses)	$62,000	2,171
Applicable income taxes	$3,172,000	457
Income before extraordinary items	$5,977,000	671
Extraordinary gains, net	$0	21
Net income	$5,977,000	671
Minority interest net income	$0	87
Net income of bank and minority interests.	$5,977,000	671
Net charge-offs	$713,000	2,270
Cash dividends	$8,500,000	180
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$5,936,700	649
2011-06-30 (YTD Data)		Rank
Total interest income	$11,469,000	1,269
Total interest expense	$1,465,000	2,141
Net interest income	$10,004,000	1,120
Provision for loan and lease losses	$770,000	1,774
Total noninterest income	$3,096,000	901
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$836,000	873
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,260,000	765
Total noninterest expense	$6,310,000	1,559
Salaries and employee benefits	$2,904,000	1,687
Premises and equipment expense	$404,000	2,944
Additional noninterest expense	$3,002,000	1,182
Pre-tax net operating income	$6,020,000	546
Securities gains (losses)	$80,000	1,291
Applicable income taxes	$2,110,000	444
Income before extraordinary items	$3,990,000	654
Extraordinary gains, net	$0	15
Net income	$3,990,000	652
Minority interest net income	$0	89
Net income of bank and minority interests.	$3,990,000	654
Net charge-offs	$157,000	3,354
Cash dividends	$4,500,000	211
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$3,938,000	640
2011-03-31 (YTD Data)		Rank
Total interest income	$5,721,000	1,279
Total interest expense	$739,000	2,203
Net interest income	$4,982,000	1,118
Provision for loan and lease losses	$456,000	1,501
Total noninterest income	$1,484,000	922
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$393,000	911
Trading account gains and fees	$0	158
Additional Noninterest Income	$1,091,000	781
Total noninterest expense	$3,107,000	1,595
Salaries and employee benefits	$1,446,000	1,706
Premises and equipment expense	$185,000	3,179
Additional noninterest expense	$1,476,000	1,206
Pre-tax net operating income	$2,903,000	573
Securities gains (losses)	$80,000	608
Applicable income taxes	$1,045,000	438
Income before extraordinary items	$1,938,000	674
Extraordinary gains, net	$0	9
Net income	$1,938,000	671
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,938,000	674
Net charge-offs	$140,000	2,416
Cash dividends	$2,000,000	202
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$1,886,000	676
2010-12-31 (YTD Data)		Rank
Total interest income	$24,266,000	1,271
Total interest expense	$3,684,000	2,149
Net interest income	$20,582,000	1,084
Provision for loan and lease losses	$2,164,000	1,966
Total noninterest income	$7,023,000	829
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$2,012,000	751
Trading account gains and fees	$0	175
Additional Noninterest Income	$5,011,000	745
Total noninterest expense	$12,867,000	1,540
Salaries and employee benefits	$5,682,000	1,715
Premises and equipment expense	$809,000	2,966
Additional noninterest expense	$6,376,000	1,161
Pre-tax net operating income	$12,574,000	449
Securities gains (losses)	$-60,000	7,175
Applicable income taxes	$4,410,000	398
Income before extraordinary items	$8,104,000	559
Extraordinary gains, net	$0	29
Net income	$8,104,000	557
Minority interest net income	$0	111
Net income of bank and minority interests.	$8,104,000	559
Net charge-offs	$1,753,000	2,012
Cash dividends	$13,400,000	142
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$8,143,000	539
2010-09-30 (YTD Data)		Rank
Total interest income	$18,224,000	1,286
Total interest expense	$2,873,000	2,167
Net interest income	$15,351,000	1,091
Provision for loan and lease losses	$1,329,000	2,151
Total noninterest income	$4,379,000	932
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$1,536,000	751
Trading account gains and fees	$0	165
Additional Noninterest Income	$2,843,000	857
Total noninterest expense	$9,693,000	1,517
Salaries and employee benefits	$4,310,000	1,704
Premises and equipment expense	$577,000	3,121
Additional noninterest expense	$4,806,000	1,131
Pre-tax net operating income	$8,708,000	493
Securities gains (losses)	$-60,000	7,346
Applicable income taxes	$3,026,000	425
Income before extraordinary items	$5,622,000	616
Extraordinary gains, net	$0	23
Net income	$5,622,000	614
Minority interest net income	$0	110
Net income of bank and minority interests.	$5,622,000	616
Net charge-offs	$734,000	2,581
Cash dividends	$5,400,000	201
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$5,661,000	585
2010-06-30 (YTD Data)		Rank
Total interest income	$12,183,000	1,301
Total interest expense	$1,988,000	2,166
Net interest income	$10,195,000	1,099
Provision for loan and lease losses	$862,000	2,108
Total noninterest income	$2,930,000	911
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$997,000	770
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,933,000	826
Total noninterest expense	$6,395,000	1,543
Salaries and employee benefits	$2,846,000	1,727
Premises and equipment expense	$372,000	3,214
Additional noninterest expense	$3,177,000	1,120
Pre-tax net operating income	$5,868,000	469
Securities gains (losses)	$-60,000	7,453
Applicable income taxes	$2,016,000	401
Income before extraordinary items	$3,792,000	581
Extraordinary gains, net	$0	19
Net income	$3,792,000	582
Minority interest net income	$0	105
Net income of bank and minority interests.	$3,792,000	582
Net charge-offs	$223,000	3,406
Cash dividends	$3,900,000	192
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$3,831,000	556
2010-03-31 (YTD Data)		Rank
Total interest income	$6,082,000	1,324
Total interest expense	$1,024,000	2,218
Net interest income	$5,058,000	1,115
Provision for loan and lease losses	$505,000	1,805
Total noninterest income	$1,468,000	899
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$464,000	839
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,004,000	793
Total noninterest expense	$3,083,000	1,627
Salaries and employee benefits	$1,426,000	1,756
Premises and equipment expense	$186,000	3,314
Additional noninterest expense	$1,471,000	1,200
Pre-tax net operating income	$2,938,000	456
Securities gains (losses)	$1,000	2,151
Applicable income taxes	$1,041,000	373
Income before extraordinary items	$1,898,000	584
Extraordinary gains, net	$0	16
Net income	$1,898,000	589
Minority interest net income	$0	91
Net income of bank and minority interests.	$1,898,000	588
Net charge-offs	$86,000	3,243
Cash dividends	$1,800,000	195
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$1,897,350	563
2009-12-31 (YTD Data)		Rank
Total interest income	$25,534,000	1,339
Total interest expense	$5,823,000	1,967
Net interest income	$19,711,000	1,114
Provision for loan and lease losses	$3,541,000	1,786
Total noninterest income	$7,719,000	785
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$2,085,000	826
Trading account gains and fees	$0	211
Additional Noninterest Income	$5,634,000	651
Total noninterest expense	$12,993,000	1,594
Salaries and employee benefits	$5,705,000	1,735
Premises and equipment expense	$876,000	2,886
Additional noninterest expense	$6,412,000	1,198
Pre-tax net operating income	$10,896,000	377
Securities gains (losses)	$-145,000	7,355
Applicable income taxes	$3,858,000	324
Income before extraordinary items	$6,893,000	490
Extraordinary gains, net	$0	34
Net income	$6,893,000	489
Minority interest net income	$0	115
Net income of bank and minority interests.	$6,893,000	492
Net charge-offs	$3,231,000	1,530
Cash dividends	$6,800,000	262
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$6,985,800	478
2009-09-30 (YTD Data)		Rank
Total interest income	$19,270,000	1,361
Total interest expense	$4,637,000	1,952
Net interest income	$14,633,000	1,129
Provision for loan and lease losses	$1,942,000	1,946
Total noninterest income	$5,930,000	761
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$1,537,000	837
Trading account gains and fees	$0	212
Additional Noninterest Income	$4,393,000	649
Total noninterest expense	$10,282,000	1,497
Salaries and employee benefits	$4,527,000	1,657
Premises and equipment expense	$623,000	3,061
Additional noninterest expense	$5,132,000	1,100
Pre-tax net operating income	$8,339,000	396
Securities gains (losses)	$0	3,497
Applicable income taxes	$3,020,000	329
Income before extraordinary items	$5,319,000	499
Extraordinary gains, net	$0	27
Net income	$5,319,000	498
Minority interest net income	$0	118
Net income of bank and minority interests.	$5,319,000	500
Net charge-offs	$1,936,000	1,528
Cash dividends	$5,300,000	237
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$5,319,000	496
2009-06-30 (YTD Data)		Rank
Total interest income	$13,054,000	1,368
Total interest expense	$3,217,000	1,974
Net interest income	$9,837,000	1,129
Provision for loan and lease losses	$970,000	2,103
Total noninterest income	$4,413,000	721
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$984,000	859
Trading account gains and fees	$0	193
Additional Noninterest Income	$3,429,000	580
Total noninterest expense	$6,906,000	1,503
Salaries and employee benefits	$3,059,000	1,670
Premises and equipment expense	$403,000	3,163
Additional noninterest expense	$3,444,000	1,117
Pre-tax net operating income	$6,374,000	348
Securities gains (losses)	$0	3,136
Applicable income taxes	$2,343,000	293
Income before extraordinary items	$4,031,000	436
Extraordinary gains, net	$0	21
Net income	$4,031,000	434
Minority interest net income	$0	112
Net income of bank and minority interests.	$4,031,000	436
Net charge-offs	$925,000	1,703
Cash dividends	$3,800,000	235
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$4,031,000	416
2009-03-31 (YTD Data)		Rank
Total interest income	$6,653,000	1,363
Total interest expense	$1,656,000	1,995
Net interest income	$4,997,000	1,099
Provision for loan and lease losses	$454,000	1,871
Total noninterest income	$2,324,000	675
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$468,000	877
Trading account gains and fees	$0	171
Additional Noninterest Income	$1,856,000	534
Total noninterest expense	$3,244,000	1,548
Salaries and employee benefits	$1,516,000	1,708
Premises and equipment expense	$194,000	3,303
Additional noninterest expense	$1,534,000	1,095
Pre-tax net operating income	$3,623,000	336
Securities gains (losses)	$0	2,434
Applicable income taxes	$1,347,000	284
Income before extraordinary items	$2,276,000	430
Extraordinary gains, net	$0	15
Net income	$2,276,000	431
Minority interest net income	$0	102
Net income of bank and minority interests.	$2,276,000	432
Net charge-offs	$412,000	1,512
Cash dividends	$2,000,000	212
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$2,276,000	394
2008-12-31 (YTD Data)		Rank
Total interest income	$27,803,000	1,397
Total interest expense	$9,278,000	1,739
Net interest income	$18,525,000	1,202
Provision for loan and lease losses	$2,953,000	1,409
Total noninterest income	$5,870,000	927
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$2,091,000	843
Trading account gains and fees	$0	154
Additional Noninterest Income	$3,779,000	802
Total noninterest expense	$12,245,000	1,601
Salaries and employee benefits	$5,680,000	1,801
Premises and equipment expense	$902,000	2,867
Additional noninterest expense	$5,663,000	1,133
Pre-tax net operating income	$9,197,000	600
Securities gains (losses)	$8,000	2,595
Applicable income taxes	$3,328,000	430
Income before extraordinary items	$5,877,000	691
Extraordinary gains, net	$0	39
Net income	$5,877,000	691
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,876,000	1,031
Cash dividends	$5,950,000	489
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$5,871,880	738
2008-09-30 (YTD Data)		Rank
Total interest income	$21,164,000	1,406
Total interest expense	$7,323,000	1,731
Net interest income	$13,841,000	1,227
Provision for loan and lease losses	$1,334,000	1,543
Total noninterest income	$4,649,000	929
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$1,578,000	842
Trading account gains and fees	$0	148
Additional Noninterest Income	$3,071,000	813
Total noninterest expense	$9,608,000	1,522
Salaries and employee benefits	$4,516,000	1,721
Premises and equipment expense	$661,000	2,942
Additional noninterest expense	$4,431,000	1,034
Pre-tax net operating income	$7,548,000	662
Securities gains (losses)	$8,000	2,453
Applicable income taxes	$2,743,000	503
Income before extraordinary items	$4,813,000	757
Extraordinary gains, net	$0	31
Net income	$4,813,000	756
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,932,000	845
Cash dividends	$4,700,000	487
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$4,807,880	801
2008-06-30 (YTD Data)		Rank
Total interest income	$14,376,000	1,394
Total interest expense	$5,280,000	1,665
Net interest income	$9,096,000	1,227
Provision for loan and lease losses	$635,000	1,641
Total noninterest income	$3,244,000	907
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$1,014,000	858
Trading account gains and fees	$0	149
Additional Noninterest Income	$2,230,000	782
Total noninterest expense	$6,403,000	1,512
Salaries and employee benefits	$3,029,000	1,722
Premises and equipment expense	$427,000	3,040
Additional noninterest expense	$2,947,000	1,016
Pre-tax net operating income	$5,302,000	665
Securities gains (losses)	$4,000	2,798
Applicable income taxes	$1,930,000	533
Income before extraordinary items	$3,376,000	814
Extraordinary gains, net	$0	21
Net income	$3,376,000	813
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$670,000	1,095
Cash dividends	$3,200,000	518
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$3,373,440	798
2008-03-31 (YTD Data)		Rank
Total interest income	$7,392,000	1,393
Total interest expense	$2,956,000	1,588
Net interest income	$4,436,000	1,249
Provision for loan and lease losses	$316,000	1,325
Total noninterest income	$1,555,000	947
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$502,000	859
Trading account gains and fees	$0	158
Additional Noninterest Income	$1,053,000	826
Total noninterest expense	$3,146,000	1,524
Salaries and employee benefits	$1,530,000	1,719
Premises and equipment expense	$205,000	3,161
Additional noninterest expense	$1,411,000	1,022
Pre-tax net operating income	$2,529,000	745
Securities gains (losses)	$4,000	2,294
Applicable income taxes	$924,000	621
Income before extraordinary items	$1,609,000	934
Extraordinary gains, net	$0	15
Net income	$1,609,000	936
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$117,000	1,665
Cash dividends	$1,200,000	627
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$1,606,440	897
2007-12-31 (YTD Data)		Rank
Total interest income	$30,940,000	1,384
Total interest expense	$14,286,000	1,405
Net interest income	$16,654,000	1,346
Provision for loan and lease losses	$1,532,000	1,035
Total noninterest income	$5,063,000	1,089
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$2,104,000	843
Trading account gains and fees	$0	178
Additional Noninterest Income	$2,959,000	1,027
Total noninterest expense	$11,207,000	1,642
Salaries and employee benefits	$5,407,000	1,865
Premises and equipment expense	$812,000	3,044
Additional noninterest expense	$4,988,000	1,134
Pre-tax net operating income	$8,978,000	949
Securities gains (losses)	$0	2,146
Applicable income taxes	$3,174,000	775
Income before extraordinary items	$5,804,000	1,111
Extraordinary gains, net	$0	39
Net income	$5,804,000	1,109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,786,000	665
Cash dividends	$3,950,000	936
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$5,804,000	1,093
2007-09-30 (YTD Data)		Rank
Total interest income	$23,275,000	1,385
Total interest expense	$10,756,000	1,395
Net interest income	$12,519,000	1,344
Provision for loan and lease losses	$883,000	1,004
Total noninterest income	$3,697,000	1,109
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$1,558,000	843
Trading account gains and fees	$0	184
Additional Noninterest Income	$2,139,000	1,048
Total noninterest expense	$8,568,000	1,593
Salaries and employee benefits	$4,224,000	1,790
Premises and equipment expense	$576,000	3,169
Additional noninterest expense	$3,768,000	1,089
Pre-tax net operating income	$6,765,000	1,019
Securities gains (losses)	$0	1,655
Applicable income taxes	$2,439,000	813
Income before extraordinary items	$4,326,000	1,193
Extraordinary gains, net	$0	33
Net income	$4,326,000	1,190
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,162,000	586
Cash dividends	$3,950,000	689
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$4,326,000	1,176
2007-06-30 (YTD Data)		Rank
Total interest income	$15,392,000	1,411
Total interest expense	$7,110,000	1,412
Net interest income	$8,282,000	1,376
Provision for loan and lease losses	$611,000	858
Total noninterest income	$2,448,000	1,140
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$1,024,000	872
Trading account gains and fees	$0	168
Additional Noninterest Income	$1,424,000	1,089
Total noninterest expense	$5,622,000	1,641
Salaries and employee benefits	$2,804,000	1,835
Premises and equipment expense	$359,000	3,363
Additional noninterest expense	$2,459,000	1,135
Pre-tax net operating income	$4,497,000	1,066
Securities gains (losses)	$0	1,444
Applicable income taxes	$1,620,000	863
Income before extraordinary items	$2,877,000	1,241
Extraordinary gains, net	$0	29
Net income	$2,877,000	1,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$967,000	457
Cash dividends	$1,450,000	1,155
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$2,877,000	1,221
2007-03-31 (YTD Data)		Rank
Total interest income	$7,580,000	1,423
Total interest expense	$3,528,000	1,412
Net interest income	$4,052,000	1,408
Provision for loan and lease losses	$196,000	1,187
Total noninterest income	$1,196,000	1,138
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$478,000	905
Trading account gains and fees	$0	195
Additional Noninterest Income	$718,000	1,061
Total noninterest expense	$2,777,000	1,668
Salaries and employee benefits	$1,403,000	1,835
Premises and equipment expense	$178,000	3,422
Additional noninterest expense	$1,196,000	1,138
Pre-tax net operating income	$2,275,000	1,032
Securities gains (losses)	$0	1,187
Applicable income taxes	$821,000	838
Income before extraordinary items	$1,454,000	1,214
Extraordinary gains, net	$0	22
Net income	$1,454,000	1,213
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$306,000	567
Cash dividends	$1,450,000	611
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$1,454,000	1,196
2006-12-31 (YTD Data)		Rank
Total interest income	$29,546,000	1,349
Total interest expense	$12,446,000	1,348
Net interest income	$17,100,000	1,337
Provision for loan and lease losses	$1,453,000	733
Total noninterest income	$4,804,000	1,125
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$2,062,000	856
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,742,000	1,059
Total noninterest expense	$10,833,000	1,640
Salaries and employee benefits	$5,444,000	1,794
Premises and equipment expense	$760,000	3,126
Additional noninterest expense	$4,629,000	1,164
Pre-tax net operating income	$9,618,000	1,015
Securities gains (losses)	$0	1,687
Applicable income taxes	$3,505,000	832
Income before extraordinary items	$6,113,000	1,206
Extraordinary gains, net	$0	51
Net income	$6,113,000	1,207
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,290,000	553
Cash dividends	$4,000,000	861
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$6,113,000	1,192
2006-09-30 (YTD Data)		Rank
Total interest income	$21,821,000	1,361
Total interest expense	$8,932,000	1,366
Net interest income	$12,889,000	1,343
Provision for loan and lease losses	$353,000	1,893
Total noninterest income	$3,753,000	1,105
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$1,562,000	846
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,191,000	1,029
Total noninterest expense	$8,313,000	1,612
Salaries and employee benefits	$4,207,000	1,742
Premises and equipment expense	$555,000	3,195
Additional noninterest expense	$3,551,000	1,136
Pre-tax net operating income	$7,976,000	968
Securities gains (losses)	$0	1,388
Applicable income taxes	$2,921,000	807
Income before extraordinary items	$5,055,000	1,145
Extraordinary gains, net	$0	45
Net income	$5,055,000	1,145
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$488,000	822
Cash dividends	$4,000,000	629
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$5,055,000	1,131
2006-06-30 (YTD Data)		Rank
Total interest income	$14,124,000	1,365
Total interest expense	$5,634,000	1,378
Net interest income	$8,490,000	1,357
Provision for loan and lease losses	$183,000	2,244
Total noninterest income	$2,445,000	1,129
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$1,016,000	854
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,429,000	1,043
Total noninterest expense	$5,456,000	1,640
Salaries and employee benefits	$2,797,000	1,751
Premises and equipment expense	$352,000	3,312
Additional noninterest expense	$2,307,000	1,178
Pre-tax net operating income	$5,296,000	971
Securities gains (losses)	$0	1,185
Applicable income taxes	$1,946,000	812
Income before extraordinary items	$3,350,000	1,150
Extraordinary gains, net	$0	39
Net income	$3,350,000	1,151
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$181,000	1,173
Cash dividends	$3,000,000	574
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$3,350,000	1,135
2006-03-31 (YTD Data)		Rank
Total interest income	$6,838,000	1,376
Total interest expense	$2,620,000	1,403
Net interest income	$4,218,000	1,363
Provision for loan and lease losses	$105,000	1,911
Total noninterest income	$1,133,000	1,167
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$487,000	863
Trading account gains and fees	$0	115
Additional Noninterest Income	$646,000	1,110
Total noninterest expense	$2,664,000	1,681
Salaries and employee benefits	$1,392,000	1,765
Premises and equipment expense	$168,000	3,457
Additional noninterest expense	$1,104,000	1,203
Pre-tax net operating income	$2,582,000	970
Securities gains (losses)	$0	955
Applicable income taxes	$948,000	818
Income before extraordinary items	$1,634,000	1,140
Extraordinary gains, net	$0	21
Net income	$1,634,000	1,139
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	2,805
Cash dividends	$1,500,000	510
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$1,634,000	1,122
2005-12-31 (YTD Data)		Rank
Total interest income	$25,126,000	1,326
Total interest expense	$8,505,000	1,335
Net interest income	$16,621,000	1,313
Provision for loan and lease losses	$511,000	1,869
Total noninterest income	$5,211,000	1,057
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$2,125,000	810
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,086,000	1,000
Total noninterest expense	$10,370,000	1,647
Salaries and employee benefits	$5,254,000	1,768
Premises and equipment expense	$858,000	2,709
Additional noninterest expense	$4,258,000	1,219
Pre-tax net operating income	$10,951,000	903
Securities gains (losses)	$0	2,296
Applicable income taxes	$4,039,000	764
Income before extraordinary items	$6,912,000	1,047
Extraordinary gains, net	$0	46
Net income	$6,912,000	1,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$508,000	1,158
Cash dividends	$6,000,000	564
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$6,912,000	1,025
2005-09-30 (YTD Data)		Rank
Total interest income	$18,380,000	1,319
Total interest expense	$5,994,000	1,338
Net interest income	$12,386,000	1,310
Provision for loan and lease losses	$218,000	2,822
Total noninterest income	$3,825,000	1,077
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$1,578,000	822
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,247,000	1,025
Total noninterest expense	$7,822,000	1,618
Salaries and employee benefits	$4,028,000	1,717
Premises and equipment expense	$669,000	2,603
Additional noninterest expense	$3,125,000	1,223
Pre-tax net operating income	$8,171,000	904
Securities gains (losses)	$0	2,317
Applicable income taxes	$3,016,000	773
Income before extraordinary items	$5,155,000	1,045
Extraordinary gains, net	$0	35
Net income	$5,155,000	1,045
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$90,000	2,701
Cash dividends	$4,800,000	500
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$5,155,000	1,026
2005-06-30 (YTD Data)		Rank
Total interest income	$11,855,000	1,324
Total interest expense	$3,723,000	1,353
Net interest income	$8,132,000	1,325
Provision for loan and lease losses	$147,000	2,736
Total noninterest income	$2,521,000	1,063
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$1,031,000	824
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,490,000	1,013
Total noninterest expense	$5,094,000	1,651
Salaries and employee benefits	$2,668,000	1,726
Premises and equipment expense	$424,000	2,694
Additional noninterest expense	$2,002,000	1,253
Pre-tax net operating income	$5,412,000	881
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,995,000	766
Income before extraordinary items	$3,417,000	1,020
Extraordinary gains, net	$0	30
Net income	$3,417,000	1,020
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	4,392
Cash dividends	$3,200,000	486
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$3,417,000	1,001
2005-03-31 (YTD Data)		Rank
Total interest income	$5,747,000	1,334
Total interest expense	$1,771,000	1,349
Net interest income	$3,976,000	1,346
Provision for loan and lease losses	$102,000	2,017
Total noninterest income	$1,238,000	1,061
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$479,000	854
Trading account gains and fees	$0	115
Additional Noninterest Income	$759,000	989
Total noninterest expense	$2,501,000	1,682
Salaries and employee benefits	$1,321,000	1,748
Premises and equipment expense	$210,000	2,749
Additional noninterest expense	$970,000	1,277
Pre-tax net operating income	$2,611,000	902
Securities gains (losses)	$0	1,685
Applicable income taxes	$955,000	793
Income before extraordinary items	$1,656,000	1,051
Extraordinary gains, net	$0	24
Net income	$1,656,000	1,051
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,424
Cash dividends	$1,600,000	449
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$1,656,000	1,025
2004-12-31 (YTD Data)		Rank
Total interest income	$21,771,000	1,299
Total interest expense	$5,685,000	1,446
Net interest income	$16,086,000	1,253
Provision for loan and lease losses	$464,000	2,089
Total noninterest income	$5,524,000	1,000
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$2,106,000	824
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,418,000	894
Total noninterest expense	$10,111,000	1,604
Salaries and employee benefits	$5,154,000	1,717
Premises and equipment expense	$942,000	2,422
Additional noninterest expense	$4,015,000	1,231
Pre-tax net operating income	$11,035,000	796
Securities gains (losses)	$8,000	2,935
Applicable income taxes	$3,976,000	710
Income before extraordinary items	$7,067,000	931
Extraordinary gains, net	$0	34
Net income	$7,067,000	932
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$409,000	1,572
Cash dividends	$5,250,000	586
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$7,061,880	889
2004-09-30 (YTD Data)		Rank
Total interest income	$16,189,000	1,291
Total interest expense	$4,056,000	1,495
Net interest income	$12,133,000	1,231
Provision for loan and lease losses	$271,000	2,425
Total noninterest income	$4,108,000	1,018
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$1,581,000	830
Trading account gains and fees	$0	134
Additional Noninterest Income	$2,527,000	911
Total noninterest expense	$7,640,000	1,591
Salaries and employee benefits	$3,932,000	1,679
Premises and equipment expense	$712,000	2,391
Additional noninterest expense	$2,996,000	1,226
Pre-tax net operating income	$8,330,000	798
Securities gains (losses)	$8,000	2,829
Applicable income taxes	$2,974,000	722
Income before extraordinary items	$5,364,000	930
Extraordinary gains, net	$0	26
Net income	$5,364,000	931
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	2,086
Cash dividends	$2,750,000	746
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$5,358,880	892
2004-06-30 (YTD Data)		Rank
Total interest income	$10,787,000	1,277
Total interest expense	$2,610,000	1,516
Net interest income	$8,177,000	1,209
Provision for loan and lease losses	$190,000	2,297
Total noninterest income	$2,947,000	942
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$1,038,000	836
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,909,000	829
Total noninterest expense	$4,984,000	1,625
Salaries and employee benefits	$2,595,000	1,697
Premises and equipment expense	$469,000	2,410
Additional noninterest expense	$1,920,000	1,268
Pre-tax net operating income	$5,950,000	750
Securities gains (losses)	$0	3,413
Applicable income taxes	$2,166,000	681
Income before extraordinary items	$3,784,000	867
Extraordinary gains, net	$0	21
Net income	$3,784,000	867
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	2,904
Cash dividends	$2,250,000	627
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$3,784,000	825
2004-03-31 (YTD Data)		Rank
Total interest income	$5,428,000	1,279
Total interest expense	$1,256,000	1,599
Net interest income	$4,172,000	1,186
Provision for loan and lease losses	$89,000	2,375
Total noninterest income	$1,145,000	1,132
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$507,000	836
Trading account gains and fees	$0	121
Additional Noninterest Income	$638,000	1,082
Total noninterest expense	$2,433,000	1,676
Salaries and employee benefits	$1,286,000	1,729
Premises and equipment expense	$215,000	2,628
Additional noninterest expense	$932,000	1,286
Pre-tax net operating income	$2,795,000	779
Securities gains (losses)	$0	2,934
Applicable income taxes	$993,000	735
Income before extraordinary items	$1,802,000	901
Extraordinary gains, net	$0	16
Net income	$1,802,000	901
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,358
Cash dividends	$1,750,000	403
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$1,802,000	857
2003-12-31 (YTD Data)		Rank
Total interest income	$21,274,000	1,329
Total interest expense	$5,471,000	1,653
Net interest income	$15,803,000	1,225
Provision for loan and lease losses	$542,000	2,025
Total noninterest income	$7,729,000	801
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$1,736,000	1,004
Trading account gains and fees	$0	160
Additional Noninterest Income	$5,993,000	659
Total noninterest expense	$10,896,000	1,467
Salaries and employee benefits	$5,536,000	1,557
Premises and equipment expense	$976,000	2,300
Additional noninterest expense	$4,384,000	1,149
Pre-tax net operating income	$12,094,000	724
Securities gains (losses)	$9,000	3,670
Applicable income taxes	$4,066,000	731
Income before extraordinary items	$8,037,000	807
Extraordinary gains, net	$0	54
Net income	$8,037,000	809
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$537,000	1,520
Cash dividends	$7,950,000	454
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$8,031,060	758
2003-09-30 (YTD Data)		Rank
Total interest income	$16,136,000	1,338
Total interest expense	$4,209,000	1,684
Net interest income	$11,927,000	1,225
Provision for loan and lease losses	$414,000	1,974
Total noninterest income	$6,036,000	805
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,205,000	1,080
Trading account gains and fees	$0	153
Additional Noninterest Income	$4,831,000	654
Total noninterest expense	$8,172,000	1,472
Salaries and employee benefits	$4,319,000	1,499
Premises and equipment expense	$656,000	2,562
Additional noninterest expense	$3,197,000	1,184
Pre-tax net operating income	$9,377,000	727
Securities gains (losses)	$0	4,204
Applicable income taxes	$3,413,000	692
Income before extraordinary items	$5,964,000	847
Extraordinary gains, net	$0	40
Net income	$5,964,000	849
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,000	2,945
Cash dividends	$5,650,000	443
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$5,964,000	786
2003-06-30 (YTD Data)		Rank
Total interest income	$10,670,000	1,370
Total interest expense	$2,911,000	1,674
Net interest income	$7,759,000	1,260
Provision for loan and lease losses	$218,000	2,361
Total noninterest income	$3,362,000	920
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$783,000	1,090
Trading account gains and fees	$0	150
Additional Noninterest Income	$2,579,000	758
Total noninterest expense	$5,413,000	1,482
Salaries and employee benefits	$2,922,000	1,477
Premises and equipment expense	$435,000	2,557
Additional noninterest expense	$2,056,000	1,219
Pre-tax net operating income	$5,490,000	818
Securities gains (losses)	$0	3,782
Applicable income taxes	$1,990,000	768
Income before extraordinary items	$3,500,000	960
Extraordinary gains, net	$0	30
Net income	$3,500,000	960
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	8,877
Cash dividends	$3,650,000	445
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$3,500,000	885
2003-03-31 (YTD Data)		Rank
Total interest income	$5,306,000	1,385
Total interest expense	$1,474,000	1,698
Net interest income	$3,832,000	1,278
Provision for loan and lease losses	$205,000	1,334
Total noninterest income	$1,903,000	811
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$388,000	1,070
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,515,000	657
Total noninterest expense	$2,747,000	1,447
Salaries and employee benefits	$1,540,000	1,401
Premises and equipment expense	$233,000	2,388
Additional noninterest expense	$974,000	1,254
Pre-tax net operating income	$2,783,000	803
Securities gains (losses)	$0	2,891
Applicable income taxes	$1,039,000	772
Income before extraordinary items	$1,744,000	965
Extraordinary gains, net	$0	21
Net income	$1,744,000	964
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	1,782
Cash dividends	$1,650,000	439
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,744,000	893
2002-12-31 (YTD Data)		Rank
Total interest income	$23,464,000	1,305
Total interest expense	$7,181,000	1,581
Net interest income	$16,283,000	1,188
Provision for loan and lease losses	$1,290,000	1,063
Total noninterest income	$7,023,000	794
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,520,000	1,057
Trading account gains and fees	$0	153
Additional Noninterest Income	$5,503,000	646
Total noninterest expense	$10,770,000	1,427
Salaries and employee benefits	$6,052,000	1,343
Premises and equipment expense	$1,061,000	2,065
Additional noninterest expense	$3,657,000	1,317
Pre-tax net operating income	$11,246,000	775
Securities gains (losses)	$0	4,537
Applicable income taxes	$4,140,000	710
Income before extraordinary items	$7,106,000	878
Extraordinary gains, net	$0	70
Net income	$7,106,000	876
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$723,000	1,241
Cash dividends	$6,000,000	533
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$7,106,000	851
2001-12-31 (YTD Data)		Rank
Total interest income	$28,129,000	1,219
Total interest expense	$12,534,000	1,303
Net interest income	$15,595,000	1,139
Provision for loan and lease losses	$2,010,000	693
Total noninterest income	$5,726,000	885
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$1,429,000	1,043
Trading account gains and fees	$0	177
Additional Noninterest Income	$4,297,000	731
Total noninterest expense	$10,267,000	1,430
Salaries and employee benefits	$5,692,000	1,300
Premises and equipment expense	$1,080,000	1,977
Additional noninterest expense	$3,495,000	1,336
Pre-tax net operating income	$9,044,000	840
Securities gains (losses)	$0	4,612
Applicable income taxes	$3,342,000	764
Income before extraordinary items	$5,702,000	961
Extraordinary gains, net	$0	105
Net income	$5,702,000	962
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,807,000	613
Cash dividends	$4,000,000	733
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$5,702,000	924
2000-12-31 (YTD Data)		Rank
Total interest income	$28,368,000	1,246
Total interest expense	$13,963,000	1,248
Net interest income	$14,405,000	1,219
Provision for loan and lease losses	$890,000	1,174
Total noninterest income	$4,900,000	943
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$1,193,000	1,141
Trading account gains and fees	$0	180
Additional Noninterest Income	$3,707,000	756
Total noninterest expense	$9,914,000	1,399
Salaries and employee benefits	$5,044,000	1,401
Premises and equipment expense	$1,081,000	1,924
Additional noninterest expense	$3,789,000	1,204
Pre-tax net operating income	$8,501,000	911
Securities gains (losses)	$0	1,956
Applicable income taxes	$3,168,000	792
Income before extraordinary items	$5,333,000	1,004
Extraordinary gains, net	$0	38
Net income	$5,333,000	1,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$551,000	1,158
Cash dividends	$4,000,000	747
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$5,333,000	1,000
1999-12-31 (YTD Data)		Rank
Total interest income	$25,030,000	1,298
Total interest expense	$11,696,000	1,289
Net interest income	$13,334,000	1,307
Provision for loan and lease losses	$820,000	1,167
Total noninterest income	$4,826,000	971
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$909,000	1,426
Trading account gains and fees	$0	173
Additional Noninterest Income	$3,917,000	755
Total noninterest expense	$9,053,000	1,536
Salaries and employee benefits	$4,699,000	1,464
Premises and equipment expense	$1,000,000	2,047
Additional noninterest expense	$3,354,000	1,375
Pre-tax net operating income	$8,287,000	964
Securities gains (losses)	$-73,000	9,892
Applicable income taxes	$3,078,000	864
Income before extraordinary items	$5,136,000	1,070
Extraordinary gains, net	$0	35
Net income	$5,136,000	1,069
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$319,000	1,719
Cash dividends	$3,000,000	958
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$5,182,720	1,041
1998-12-31 (YTD Data)		Rank
Total interest income	$24,513,000	1,316
Total interest expense	$11,971,000	1,295
Net interest income	$12,542,000	1,353
Provision for loan and lease losses	$880,000	1,092
Total noninterest income	$5,341,000	893
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$851,000	1,481
Trading account gains and fees	$0	224
Additional Noninterest Income	$4,490,000	704
Total noninterest expense	$8,844,000	1,500
Salaries and employee benefits	$4,370,000	1,498
Premises and equipment expense	$955,000	2,041
Additional noninterest expense	$3,519,000	1,263
Pre-tax net operating income	$8,159,000	954
Securities gains (losses)	$0	4,449
Applicable income taxes	$3,062,000	854
Income before extraordinary items	$5,097,000	1,059
Extraordinary gains, net	$0	32
Net income	$5,097,000	1,059
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$340,000	1,697
Cash dividends	$3,600,000	845
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$5,097,000	1,022
1997-12-31 (YTD Data)		Rank
Total interest income	$22,369,000	1,466
Total interest expense	$11,017,000	1,422
Net interest income	$11,352,000	1,517
Provision for loan and lease losses	$650,000	1,402
Total noninterest income	$4,161,000	1,049
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$839,000	1,553
Trading account gains and fees	$0	239
Additional Noninterest Income	$3,322,000	790
Total noninterest expense	$7,605,000	1,715
Salaries and employee benefits	$3,863,000	1,698
Premises and equipment expense	$985,000	2,006
Additional noninterest expense	$2,757,000	1,554
Pre-tax net operating income	$7,258,000	1,109
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$2,705,000	1,025
Income before extraordinary items	$4,557,000	1,202
Extraordinary gains, net	$0	44
Net income	$4,557,000	1,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$341,000	1,799
Cash dividends	$2,600,000	1,057
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$4,554,440	1,177
1996-12-31 (YTD Data)		Rank
Total interest income	$20,135,000	1,662
Total interest expense	$9,911,000	1,603
Net interest income	$10,224,000	1,727
Provision for loan and lease losses	$570,000	1,580
Total noninterest income	$4,073,000	1,095
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$830,000	1,612
Trading account gains and fees	$0	262
Additional Noninterest Income	$3,243,000	838
Total noninterest expense	$6,946,000	2,018
Salaries and employee benefits	$3,610,000	1,829
Premises and equipment expense	$855,000	2,308
Additional noninterest expense	$2,481,000	2,023
Pre-tax net operating income	$6,781,000	1,096
Securities gains (losses)	$0	4,148
Applicable income taxes	$2,477,000	1,021
Income before extraordinary items	$4,304,000	1,184
Extraordinary gains, net	$0	53
Net income	$4,304,000	1,185
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$287,000	2,143
Cash dividends	$2,200,000	1,188
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$4,304,000	1,161
1995-12-31 (YTD Data)		Rank
Total interest income	$18,327,000	1,851
Total interest expense	$8,580,000	1,844
Net interest income	$9,747,000	1,829
Provision for loan and lease losses	$515,000	1,531
Total noninterest income	$2,962,000	1,372
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$786,000	1,730
Trading account gains and fees	$0	522
Additional Noninterest Income	$2,176,000	1,079
Total noninterest expense	$6,300,000	2,174
Salaries and employee benefits	$3,097,000	2,137
Premises and equipment expense	$701,000	2,801
Additional noninterest expense	$2,502,000	1,992
Pre-tax net operating income	$5,894,000	1,297
Securities gains (losses)	$0	3,831
Applicable income taxes	$2,164,000	1,196
Income before extraordinary items	$3,730,000	1,388
Extraordinary gains, net	$0	65
Net income	$3,730,000	1,386
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$282,000	2,018
Cash dividends	$2,500,000	1,056
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$3,730,000	1,369
1994-12-31 (YTD Data)		Rank
Total interest income	$14,892,000	2,078
Total interest expense	$6,196,000	2,018
Net interest income	$8,696,000	2,075
Provision for loan and lease losses	$480,000	1,589
Total noninterest income	$2,671,000	1,482
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$780,000	1,732
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,891,000	1,173
Total noninterest expense	$6,117,000	2,302
Salaries and employee benefits	$2,984,000	2,229
Premises and equipment expense	$733,000	2,724
Additional noninterest expense	$2,400,000	2,208
Pre-tax net operating income	$4,770,000	1,527
Securities gains (losses)	$-47,000	10,984
Applicable income taxes	$1,702,000	1,379
Income before extraordinary items	$3,021,000	1,618
Extraordinary gains, net	$0	249
Net income	$3,021,000	1,617
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	10,929
Cash dividends	$2,000,000	1,095
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$3,051,080	1,610
1993-12-31 (YTD Data)		Rank
Total interest income	$14,272,000	2,180
Total interest expense	$5,774,000	2,249
Net interest income	$8,498,000	2,125
Provision for loan and lease losses	$550,000	1,962
Total noninterest income	$3,181,000	1,395
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$749,000	1,823
Trading account gains and fees	$0	532
Additional Noninterest Income	$2,432,000	1,113
Total noninterest expense	$6,047,000	2,372
Salaries and employee benefits	$2,896,000	2,298
Premises and equipment expense	$722,000	2,801
Additional noninterest expense	$2,429,000	2,298
Pre-tax net operating income	$5,082,000	1,385
Securities gains (losses)	$48,000	3,456
Applicable income taxes	$1,809,000	1,322
Income before extraordinary items	$3,321,000	1,531
Extraordinary gains, net	$0	3,149
Net income	$3,321,000	1,583
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$351,000	2,237
Cash dividends	$2,700,000	782
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$3,289,800	1,457
1992-12-31 (YTD Data)		Rank
Total interest income	$15,194,000	2,308
Total interest expense	$6,874,000	2,449
Net interest income	$8,320,000	2,182
Provision for loan and lease losses	$550,000	2,794
Total noninterest income	$2,150,000	1,845
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$655,000	2,080
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,495,000	1,527
Total noninterest expense	$5,289,000	2,726
Salaries and employee benefits	$2,475,000	2,631
Premises and equipment expense	$541,000	3,710
Additional noninterest expense	$2,273,000	2,523
Pre-tax net operating income	$4,631,000	1,379
Securities gains (losses)	$81,000	3,352
Applicable income taxes	$1,627,000	1,358
Income before extraordinary items	$3,085,000	1,505
Extraordinary gains, net	$0	1,422
Net income	$3,085,000	1,516
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$287,000	3,423
Cash dividends	$2,450,000	710
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$3,032,350	1,417

* 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.