Home > Mahopac Bank > Income and Expense

Mahopac Bank, Income and Expense

2021-12-31 (YTD Data)		Rank
Total interest income	$51,191,000	661
Total interest expense	$2,372,000	1,145
Net interest income	$48,819,000	639
Provision for loan and lease losses	$-1,994,000	4,593
Total noninterest income	$4,247,000	1,458
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$1,294,000	790
Trading account gains and fees	$0	132
Additional Noninterest Income	$2,953,000	1,505
Total noninterest expense	$32,172,000	791
Salaries and employee benefits	$13,207,000	1,048
Premises and equipment expense	$3,459,000	759
Additional noninterest expense	$15,506,000	535
Pre-tax net operating income	$22,888,000	666
Securities gains (losses)	$104,000	844
Applicable income taxes	$5,271,000	603
Income before extraordinary items	$17,721,000	709
Extraordinary gains, net	$0	10
Net income	$17,715,000	710
Minority interest net income	$6,000	64
Net income of bank and minority interests.	$17,721,000	710
Net charge-offs	$53,000	1,631
Cash dividends	$14,046,000	380
Sale, conversion, retirement of capital stock, net	$656,000	271
Net operating income	$17,638,840	694
2021-09-30 (YTD Data)		Rank
Total interest income	$38,044,000	686
Total interest expense	$1,935,000	1,109
Net interest income	$36,109,000	659
Provision for loan and lease losses	$-1,191,000	4,634
Total noninterest income	$3,118,000	1,525
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$932,000	815
Trading account gains and fees	$0	132
Additional Noninterest Income	$2,186,000	1,583
Total noninterest expense	$23,840,000	806
Salaries and employee benefits	$9,783,000	1,069
Premises and equipment expense	$2,569,000	774
Additional noninterest expense	$11,488,000	538
Pre-tax net operating income	$16,578,000	706
Securities gains (losses)	$104,000	792
Applicable income taxes	$3,835,000	640
Income before extraordinary items	$12,847,000	751
Extraordinary gains, net	$0	8
Net income	$12,842,000	751
Minority interest net income	$5,000	61
Net income of bank and minority interests.	$12,847,000	751
Net charge-offs	$20,000	1,734
Cash dividends	$7,643,000	461
Sale, conversion, retirement of capital stock, net	$526,000	241
Net operating income	$12,764,840	738
2021-06-30 (YTD Data)		Rank
Total interest income	$25,091,000	689
Total interest expense	$1,348,000	1,107
Net interest income	$23,743,000	665
Provision for loan and lease losses	$-997,000	4,675
Total noninterest income	$2,009,000	1,523
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$614,000	792
Trading account gains and fees	$0	133
Additional Noninterest Income	$1,395,000	1,576
Total noninterest expense	$15,479,000	816
Salaries and employee benefits	$6,409,000	1,074
Premises and equipment expense	$1,722,000	774
Additional noninterest expense	$7,348,000	540
Pre-tax net operating income	$11,270,000	694
Securities gains (losses)	$144,000	551
Applicable income taxes	$2,634,000	620
Income before extraordinary items	$8,780,000	732
Extraordinary gains, net	$0	6
Net income	$8,776,000	732
Minority interest net income	$4,000	59
Net income of bank and minority interests.	$8,780,000	732
Net charge-offs	$29,000	1,351
Cash dividends	$4,192,000	492
Sale, conversion, retirement of capital stock, net	$259,000	242
Net operating income	$8,666,240	722
2021-03-31 (YTD Data)		Rank
Total interest income	$12,409,000	680
Total interest expense	$711,000	1,118
Net interest income	$11,698,000	661
Provision for loan and lease losses	$-625,000	4,767
Total noninterest income	$980,000	1,530
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$312,000	764
Trading account gains and fees	$0	127
Additional Noninterest Income	$668,000	1,626
Total noninterest expense	$7,775,000	809
Salaries and employee benefits	$3,036,000	1,106
Premises and equipment expense	$931,000	727
Additional noninterest expense	$3,808,000	504
Pre-tax net operating income	$5,528,000	708
Securities gains (losses)	$144,000	387
Applicable income taxes	$1,285,000	629
Income before extraordinary items	$4,387,000	753
Extraordinary gains, net	$0	3
Net income	$4,385,000	753
Minority interest net income	$2,000	51
Net income of bank and minority interests.	$4,387,000	753
Net charge-offs	$22,000	1,105
Cash dividends	$2,220,000	431
Sale, conversion, retirement of capital stock, net	$125,000	229
Net operating income	$4,273,240	751
2020-12-31 (YTD Data)		Rank
Total interest income	$52,610,000	650
Total interest expense	$4,695,000	1,009
Net interest income	$47,915,000	613
Provision for loan and lease losses	$3,578,000	714
Total noninterest income	$4,278,000	1,399
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$1,427,000	706
Trading account gains and fees	$0	133
Additional Noninterest Income	$2,851,000	1,474
Total noninterest expense	$32,775,000	754
Salaries and employee benefits	$13,184,000	1,003
Premises and equipment expense	$3,389,000	762
Additional noninterest expense	$16,202,000	490
Pre-tax net operating income	$15,840,000	705
Securities gains (losses)	$245,000	927
Applicable income taxes	$3,516,000	627
Income before extraordinary items	$12,569,000	774
Extraordinary gains, net	$0	4
Net income	$12,561,000	774
Minority interest net income	$8,000	60
Net income of bank and minority interests.	$12,569,000	774
Net charge-offs	$70,000	2,209
Cash dividends	$10,211,000	445
Sale, conversion, retirement of capital stock, net	$520,000	264
Net operating income	$12,375,450	750
2020-09-30 (YTD Data)		Rank
Total interest income	$39,211,000	652
Total interest expense	$3,821,000	1,000
Net interest income	$35,390,000	613
Provision for loan and lease losses	$3,248,000	673
Total noninterest income	$3,150,000	1,376
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,073,000	693
Trading account gains and fees	$0	125
Additional Noninterest Income	$2,077,000	1,451
Total noninterest expense	$24,493,000	751
Salaries and employee benefits	$9,862,000	991
Premises and equipment expense	$2,517,000	757
Additional noninterest expense	$12,114,000	477
Pre-tax net operating income	$10,799,000	739
Securities gains (losses)	$245,000	804
Applicable income taxes	$2,370,000	637
Income before extraordinary items	$8,674,000	806
Extraordinary gains, net	$0	4
Net income	$8,668,000	806
Minority interest net income	$6,000	56
Net income of bank and minority interests.	$8,674,000	806
Net charge-offs	$-17,000	4,382
Cash dividends	$6,972,000	468
Sale, conversion, retirement of capital stock, net	$375,000	244
Net operating income	$8,480,450	794
2020-06-30 (YTD Data)		Rank
Total interest income	$26,061,000	655
Total interest expense	$2,812,000	977
Net interest income	$23,249,000	623
Provision for loan and lease losses	$3,905,000	479
Total noninterest income	$2,186,000	1,288
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$766,000	657
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,420,000	1,357
Total noninterest expense	$16,472,000	742
Salaries and employee benefits	$6,388,000	1,009
Premises and equipment expense	$1,690,000	754
Additional noninterest expense	$8,394,000	456
Pre-tax net operating income	$5,058,000	941
Securities gains (losses)	$245,000	624
Applicable income taxes	$1,031,000	814
Income before extraordinary items	$4,272,000	985
Extraordinary gains, net	$0	4
Net income	$4,268,000	985
Minority interest net income	$4,000	60
Net income of bank and minority interests.	$4,272,000	985
Net charge-offs	$-16,000	4,453
Cash dividends	$4,242,000	492
Sale, conversion, retirement of capital stock, net	$254,000	226
Net operating income	$4,073,550	1,001
2020-03-31 (YTD Data)		Rank
Total interest income	$12,843,000	668
Total interest expense	$1,630,000	940
Net interest income	$11,213,000	634
Provision for loan and lease losses	$3,309,000	303
Total noninterest income	$1,202,000	1,142
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$478,000	632
Trading account gains and fees	$0	106
Additional Noninterest Income	$724,000	1,219
Total noninterest expense	$7,900,000	769
Salaries and employee benefits	$3,221,000	1,009
Premises and equipment expense	$887,000	731
Additional noninterest expense	$3,792,000	488
Pre-tax net operating income	$1,206,000	1,574
Securities gains (losses)	$245,000	327
Applicable income taxes	$193,000	1,425
Income before extraordinary items	$1,258,000	1,366
Extraordinary gains, net	$0	4
Net income	$1,256,000	1,365
Minority interest net income	$2,000	50
Net income of bank and minority interests.	$1,258,000	1,366
Net charge-offs	$-10,000	4,460
Cash dividends	$2,901,000	425
Sale, conversion, retirement of capital stock, net	$132,000	215
Net operating income	$1,044,850	1,578
2019-12-31 (YTD Data)		Rank
Total interest income	$53,834,000	636
Total interest expense	$8,587,000	772
Net interest income	$45,247,000	620
Provision for loan and lease losses	$-435,000	5,092
Total noninterest income	$5,182,000	1,110
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,927,000	652
Trading account gains and fees	$0	135
Additional Noninterest Income	$3,255,000	1,138
Total noninterest expense	$30,918,000	755
Salaries and employee benefits	$12,803,000	987
Premises and equipment expense	$3,318,000	762
Additional noninterest expense	$14,797,000	488
Pre-tax net operating income	$19,946,000	614
Securities gains (losses)	$-133,000	5,099
Applicable income taxes	$4,383,000	551
Income before extraordinary items	$15,430,000	653
Extraordinary gains, net	$0	11
Net income	$15,425,000	655
Minority interest net income	$5,000	65
Net income of bank and minority interests.	$15,430,000	654
Net charge-offs	$296,000	1,368
Cash dividends	$13,276,000	393
Sale, conversion, retirement of capital stock, net	$478,000	292
Net operating income	$15,535,070	637
2019-09-30 (YTD Data)		Rank
Total interest income	$40,825,000	640
Total interest expense	$6,765,000	758
Net interest income	$34,060,000	618
Provision for loan and lease losses	$135,000	2,339
Total noninterest income	$4,010,000	1,063
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$1,438,000	654
Trading account gains and fees	$0	129
Additional Noninterest Income	$2,572,000	1,076
Total noninterest expense	$22,885,000	763
Salaries and employee benefits	$9,427,000	998
Premises and equipment expense	$2,563,000	742
Additional noninterest expense	$10,895,000	498
Pre-tax net operating income	$15,050,000	621
Securities gains (losses)	$-145,000	5,181
Applicable income taxes	$3,301,000	552
Income before extraordinary items	$11,604,000	655
Extraordinary gains, net	$0	11
Net income	$11,600,000	657
Minority interest net income	$4,000	64
Net income of bank and minority interests.	$11,604,000	656
Net charge-offs	$216,000	1,239
Cash dividends	$10,657,000	356
Sale, conversion, retirement of capital stock, net	$344,000	269
Net operating income	$11,718,550	642
2019-06-30 (YTD Data)		Rank
Total interest income	$27,137,000	640
Total interest expense	$4,695,000	715
Net interest income	$22,442,000	628
Provision for loan and lease losses	$-41,000	5,145
Total noninterest income	$2,636,000	1,049
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$940,000	659
Trading account gains and fees	$0	131
Additional Noninterest Income	$1,696,000	1,053
Total noninterest expense	$15,368,000	757
Salaries and employee benefits	$6,208,000	999
Premises and equipment expense	$1,720,000	745
Additional noninterest expense	$7,440,000	489
Pre-tax net operating income	$9,751,000	612
Securities gains (losses)	$-150,000	5,231
Applicable income taxes	$2,106,000	556
Income before extraordinary items	$7,495,000	657
Extraordinary gains, net	$0	11
Net income	$7,493,000	657
Minority interest net income	$2,000	63
Net income of bank and minority interests.	$7,495,000	657
Net charge-offs	$225,000	922
Cash dividends	$6,838,000	355
Sale, conversion, retirement of capital stock, net	$226,000	254
Net operating income	$7,613,500	632
2019-03-31 (YTD Data)		Rank
Total interest income	$13,578,000	638
Total interest expense	$2,261,000	719
Net interest income	$11,317,000	624
Provision for loan and lease losses	$-3,000	5,196
Total noninterest income	$1,180,000	1,104
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$472,000	648
Trading account gains and fees	$0	126
Additional Noninterest Income	$708,000	1,158
Total noninterest expense	$7,514,000	766
Salaries and employee benefits	$3,068,000	1,011
Premises and equipment expense	$905,000	720
Additional noninterest expense	$3,541,000	505
Pre-tax net operating income	$4,986,000	593
Securities gains (losses)	$0	1,087
Applicable income taxes	$1,139,000	522
Income before extraordinary items	$3,847,000	634
Extraordinary gains, net	$0	5
Net income	$3,846,000	634
Minority interest net income	$1,000	47
Net income of bank and minority interests.	$3,847,000	633
Net charge-offs	$164,000	698
Cash dividends	$1,819,000	550
Sale, conversion, retirement of capital stock, net	$115,000	218
Net operating income	$3,847,000	619
2018-12-31 (YTD Data)		Rank
Total interest income	$53,032,000	607
Total interest expense	$7,543,000	664
Net interest income	$45,489,000	603
Provision for loan and lease losses	$523,000	1,418
Total noninterest income	$5,347,000	1,051
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,857,000	689
Trading account gains and fees	$0	126
Additional Noninterest Income	$3,490,000	1,028
Total noninterest expense	$30,912,000	738
Salaries and employee benefits	$12,400,000	982
Premises and equipment expense	$3,454,000	728
Additional noninterest expense	$15,058,000	467
Pre-tax net operating income	$19,401,000	605
Securities gains (losses)	$-316,000	5,212
Applicable income taxes	$4,198,000	536
Income before extraordinary items	$14,887,000	646
Extraordinary gains, net	$0	6
Net income	$14,882,000	646
Minority interest net income	$5,000	63
Net income of bank and minority interests.	$14,887,000	645
Net charge-offs	$269,000	1,413
Cash dividends	$6,930,000	566
Sale, conversion, retirement of capital stock, net	$385,000	326
Net operating income	$15,136,640	638
2018-09-30 (YTD Data)		Rank
Total interest income	$39,343,000	607
Total interest expense	$5,248,000	667
Net interest income	$34,095,000	593
Provision for loan and lease losses	$496,000	1,144
Total noninterest income	$3,500,000	1,148
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,372,000	695
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,128,000	1,201
Total noninterest expense	$22,497,000	748
Salaries and employee benefits	$9,123,000	1,000
Premises and equipment expense	$2,463,000	766
Additional noninterest expense	$10,911,000	473
Pre-tax net operating income	$14,602,000	601
Securities gains (losses)	$72,000	356
Applicable income taxes	$3,234,000	530
Income before extraordinary items	$11,440,000	635
Extraordinary gains, net	$0	5
Net income	$11,436,000	633
Minority interest net income	$4,000	61
Net income of bank and minority interests.	$11,440,000	634
Net charge-offs	$136,000	1,490
Cash dividends	$5,198,000	516
Sale, conversion, retirement of capital stock, net	$266,000	314
Net operating income	$11,383,120	632
2018-06-30 (YTD Data)		Rank
Total interest income	$25,692,000	608
Total interest expense	$3,178,000	683
Net interest income	$22,514,000	593
Provision for loan and lease losses	$550,000	760
Total noninterest income	$2,276,000	1,165
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$922,000	678
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,354,000	1,245
Total noninterest expense	$14,789,000	755
Salaries and employee benefits	$5,962,000	1,025
Premises and equipment expense	$1,665,000	755
Additional noninterest expense	$7,162,000	482
Pre-tax net operating income	$9,451,000	624
Securities gains (losses)	$70,000	297
Applicable income taxes	$2,159,000	535
Income before extraordinary items	$7,362,000	649
Extraordinary gains, net	$0	6
Net income	$7,359,000	646
Minority interest net income	$3,000	60
Net income of bank and minority interests.	$7,362,000	648
Net charge-offs	$190,000	966
Cash dividends	$3,465,000	516
Sale, conversion, retirement of capital stock, net	$171,000	304
Net operating income	$7,306,700	650
2018-03-31 (YTD Data)		Rank
Total interest income	$12,625,000	614
Total interest expense	$1,414,000	717
Net interest income	$11,211,000	595
Provision for loan and lease losses	$182,000	1,012
Total noninterest income	$1,123,000	1,181
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$472,000	665
Trading account gains and fees	$0	123
Additional Noninterest Income	$651,000	1,266
Total noninterest expense	$7,406,000	762
Salaries and employee benefits	$2,951,000	1,044
Premises and equipment expense	$876,000	734
Additional noninterest expense	$3,579,000	485
Pre-tax net operating income	$4,746,000	601
Securities gains (losses)	$7,000	490
Applicable income taxes	$1,104,000	515
Income before extraordinary items	$3,649,000	646
Extraordinary gains, net	$0	7
Net income	$3,648,000	646
Minority interest net income	$1,000	49
Net income of bank and minority interests.	$3,649,000	646
Net charge-offs	$58,000	1,113
Cash dividends	$1,733,000	479
Sale, conversion, retirement of capital stock, net	$69,000	294
Net operating income	$3,643,470	643
2017-12-31 (YTD Data)		Rank
Total interest income	$47,100,000	610
Total interest expense	$4,380,000	778
Net interest income	$42,720,000	593
Provision for loan and lease losses	$988,000	916
Total noninterest income	$4,850,000	1,142
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,917,000	667
Trading account gains and fees	$0	151
Additional Noninterest Income	$2,933,000	1,184
Total noninterest expense	$29,141,000	756
Salaries and employee benefits	$12,339,000	970
Premises and equipment expense	$3,232,000	772
Additional noninterest expense	$13,570,000	502
Pre-tax net operating income	$17,441,000	608
Securities gains (losses)	$-51,000	5,319
Applicable income taxes	$8,467,000	460
Income before extraordinary items	$8,923,000	823
Extraordinary gains, net	$0	9
Net income	$8,918,000	824
Minority interest net income	$5,000	64
Net income of bank and minority interests.	$8,923,000	823
Net charge-offs	$57,000	2,879
Cash dividends	$5,403,000	629
Sale, conversion, retirement of capital stock, net	$359,000	333
Net operating income	$8,955,640	807
2017-09-30 (YTD Data)		Rank
Total interest income	$34,737,000	614
Total interest expense	$3,094,000	802
Net interest income	$31,643,000	596
Provision for loan and lease losses	$537,000	1,101
Total noninterest income	$3,641,000	1,157
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$1,458,000	658
Trading account gains and fees	$0	145
Additional Noninterest Income	$2,183,000	1,195
Total noninterest expense	$21,498,000	764
Salaries and employee benefits	$9,032,000	994
Premises and equipment expense	$2,444,000	769
Additional noninterest expense	$10,022,000	512
Pre-tax net operating income	$13,249,000	615
Securities gains (losses)	$-51,000	5,594
Applicable income taxes	$4,462,000	534
Income before extraordinary items	$8,736,000	713
Extraordinary gains, net	$0	9
Net income	$8,732,000	713
Minority interest net income	$4,000	66
Net income of bank and minority interests.	$8,736,000	713
Net charge-offs	$138,000	1,682
Cash dividends	$4,052,000	588
Sale, conversion, retirement of capital stock, net	$257,000	318
Net operating income	$8,769,660	694
2017-06-30 (YTD Data)		Rank
Total interest income	$22,744,000	617
Total interest expense	$1,940,000	819
Net interest income	$20,804,000	595
Provision for loan and lease losses	$298,000	1,254
Total noninterest income	$2,496,000	1,134
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$990,000	633
Trading account gains and fees	$0	139
Additional Noninterest Income	$1,506,000	1,188
Total noninterest expense	$14,267,000	761
Salaries and employee benefits	$5,982,000	1,007
Premises and equipment expense	$1,615,000	776
Additional noninterest expense	$6,670,000	518
Pre-tax net operating income	$8,735,000	611
Securities gains (losses)	$0	1,906
Applicable income taxes	$2,917,000	532
Income before extraordinary items	$5,818,000	695
Extraordinary gains, net	$0	11
Net income	$5,815,000	696
Minority interest net income	$3,000	63
Net income of bank and minority interests.	$5,818,000	695
Net charge-offs	$90,000	1,605
Cash dividends	$2,701,000	589
Sale, conversion, retirement of capital stock, net	$168,000	298
Net operating income	$5,818,000	679
2017-03-31 (YTD Data)		Rank
Total interest income	$11,022,000	634
Total interest expense	$866,000	884
Net interest income	$10,156,000	610
Provision for loan and lease losses	$413,000	521
Total noninterest income	$1,258,000	1,121
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$529,000	594
Trading account gains and fees	$0	142
Additional Noninterest Income	$729,000	1,198
Total noninterest expense	$7,177,000	767
Salaries and employee benefits	$2,978,000	1,019
Premises and equipment expense	$813,000	785
Additional noninterest expense	$3,386,000	508
Pre-tax net operating income	$3,824,000	652
Securities gains (losses)	$0	1,153
Applicable income taxes	$1,178,000	581
Income before extraordinary items	$2,646,000	734
Extraordinary gains, net	$0	8
Net income	$2,646,000	734
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,646,000	734
Net charge-offs	$272,000	492
Cash dividends	$1,351,000	560
Sale, conversion, retirement of capital stock, net	$82,000	271
Net operating income	$2,646,000	721
2016-12-31 (YTD Data)		Rank
Total interest income	$41,267,000	659
Total interest expense	$3,113,000	934
Net interest income	$38,154,000	634
Provision for loan and lease losses	$736,000	1,158
Total noninterest income	$4,168,000	1,296
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$2,012,000	642
Trading account gains and fees	$-6,000	5,878
Additional Noninterest Income	$2,162,000	1,516
Total noninterest expense	$26,129,000	814
Salaries and employee benefits	$11,097,000	1,057
Premises and equipment expense	$3,084,000	809
Additional noninterest expense	$11,948,000	579
Pre-tax net operating income	$15,457,000	633
Securities gains (losses)	$70,000	1,607
Applicable income taxes	$5,366,000	529
Income before extraordinary items	$10,161,000	756
Extraordinary gains, net	$0	5
Net income	$10,156,000	755
Minority interest net income	$5,000	71
Net income of bank and minority interests.	$10,161,000	755
Net charge-offs	$-104,000	5,532
Cash dividends	$9,930,000	387
Sale, conversion, retirement of capital stock, net	$353,000	320
Net operating income	$10,115,500	740
2016-09-30 (YTD Data)		Rank
Total interest income	$30,760,000	660
Total interest expense	$2,312,000	939
Net interest income	$28,448,000	631
Provision for loan and lease losses	$558,000	1,071
Total noninterest income	$3,100,000	1,305
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,509,000	646
Trading account gains and fees	$-6,000	5,952
Additional Noninterest Income	$1,597,000	1,523
Total noninterest expense	$19,719,000	813
Salaries and employee benefits	$8,202,000	1,064
Premises and equipment expense	$2,346,000	803
Additional noninterest expense	$9,171,000	567
Pre-tax net operating income	$11,271,000	643
Securities gains (losses)	$70,000	1,518
Applicable income taxes	$3,989,000	534
Income before extraordinary items	$7,352,000	775
Extraordinary gains, net	$0	5
Net income	$7,348,000	776
Minority interest net income	$4,000	66
Net income of bank and minority interests.	$7,352,000	775
Net charge-offs	$57,000	2,493
Cash dividends	$7,280,000	376
Sale, conversion, retirement of capital stock, net	$258,000	304
Net operating income	$7,306,500	755
2016-06-30 (YTD Data)		Rank
Total interest income	$20,219,000	664
Total interest expense	$1,524,000	946
Net interest income	$18,695,000	640
Provision for loan and lease losses	$427,000	970
Total noninterest income	$2,006,000	1,317
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$1,011,000	628
Trading account gains and fees	$-4,000	6,020
Additional Noninterest Income	$999,000	1,552
Total noninterest expense	$13,025,000	818
Salaries and employee benefits	$5,388,000	1,084
Premises and equipment expense	$1,569,000	796
Additional noninterest expense	$6,068,000	572
Pre-tax net operating income	$7,249,000	651
Securities gains (losses)	$44,000	1,516
Applicable income taxes	$2,579,000	540
Income before extraordinary items	$4,714,000	795
Extraordinary gains, net	$0	16
Net income	$4,712,000	795
Minority interest net income	$2,000	69
Net income of bank and minority interests.	$4,714,000	794
Net charge-offs	$101,000	1,612
Cash dividends	$4,430,000	400
Sale, conversion, retirement of capital stock, net	$165,000	305
Net operating income	$4,685,400	773
2016-03-31 (YTD Data)		Rank
Total interest income	$9,994,000	666
Total interest expense	$746,000	970
Net interest income	$9,248,000	649
Provision for loan and lease losses	$200,000	957
Total noninterest income	$1,040,000	1,268
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$527,000	606
Trading account gains and fees	$-3,000	6,079
Additional Noninterest Income	$516,000	1,476
Total noninterest expense	$6,576,000	805
Salaries and employee benefits	$2,684,000	1,097
Premises and equipment expense	$819,000	769
Additional noninterest expense	$3,073,000	558
Pre-tax net operating income	$3,512,000	660
Securities gains (losses)	$44,000	885
Applicable income taxes	$1,254,000	542
Income before extraordinary items	$2,302,000	797
Extraordinary gains, net	$0	12
Net income	$2,301,000	797
Minority interest net income	$1,000	58
Net income of bank and minority interests.	$2,302,000	797
Net charge-offs	$133,000	851
Cash dividends	$2,215,000	397
Sale, conversion, retirement of capital stock, net	$68,000	302
Net operating income	$2,273,400	779
2015-12-31 (YTD Data)		Rank
Total interest income	$38,004,000	680
Total interest expense	$2,800,000	1,011
Net interest income	$35,204,000	647
Provision for loan and lease losses	$-3,000	5,597
Total noninterest income	$4,499,000	1,207
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$2,151,000	616
Trading account gains and fees	$-19,000	6,147
Additional Noninterest Income	$2,367,000	1,345
Total noninterest expense	$24,406,000	849
Salaries and employee benefits	$9,951,000	1,132
Premises and equipment expense	$3,030,000	820
Additional noninterest expense	$11,425,000	585
Pre-tax net operating income	$15,300,000	611
Securities gains (losses)	$316,000	532
Applicable income taxes	$5,487,000	489
Income before extraordinary items	$10,129,000	724
Extraordinary gains, net	$0	23
Net income	$10,124,000	723
Minority interest net income	$5,000	73
Net income of bank and minority interests.	$10,129,000	724
Net charge-offs	$-108,000	5,737
Cash dividends	$4,678,000	704
Sale, conversion, retirement of capital stock, net	$243,000	402
Net operating income	$9,923,600	726
2015-09-30 (YTD Data)		Rank
Total interest income	$28,203,000	689
Total interest expense	$2,077,000	1,030
Net interest income	$26,126,000	655
Provision for loan and lease losses	$-91,000	5,907
Total noninterest income	$3,237,000	1,247
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$1,585,000	620
Trading account gains and fees	$-17,000	6,235
Additional Noninterest Income	$1,669,000	1,418
Total noninterest expense	$18,074,000	869
Salaries and employee benefits	$7,364,000	1,158
Premises and equipment expense	$2,324,000	815
Additional noninterest expense	$8,386,000	601
Pre-tax net operating income	$11,380,000	633
Securities gains (losses)	$257,000	534
Applicable income taxes	$4,136,000	511
Income before extraordinary items	$7,501,000	740
Extraordinary gains, net	$0	21
Net income	$7,497,000	738
Minority interest net income	$4,000	72
Net income of bank and minority interests.	$7,501,000	740
Net charge-offs	$-168,000	5,925
Cash dividends	$3,395,000	655
Sale, conversion, retirement of capital stock, net	$180,000	374
Net operating income	$7,336,520	735
2015-06-30 (YTD Data)		Rank
Total interest income	$18,740,000	690
Total interest expense	$1,377,000	1,039
Net interest income	$17,363,000	659
Provision for loan and lease losses	$49,000	2,940
Total noninterest income	$2,132,000	1,274
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$1,036,000	620
Trading account gains and fees	$-13,000	6,312
Additional Noninterest Income	$1,109,000	1,446
Total noninterest expense	$11,973,000	881
Salaries and employee benefits	$4,857,000	1,163
Premises and equipment expense	$1,578,000	803
Additional noninterest expense	$5,538,000	613
Pre-tax net operating income	$7,473,000	635
Securities gains (losses)	$227,000	482
Applicable income taxes	$2,750,000	518
Income before extraordinary items	$4,950,000	745
Extraordinary gains, net	$0	22
Net income	$4,947,000	744
Minority interest net income	$3,000	69
Net income of bank and minority interests.	$4,950,000	745
Net charge-offs	$71,000	2,032
Cash dividends	$2,195,000	653
Sale, conversion, retirement of capital stock, net	$113,000	369
Net operating income	$4,804,720	745
2015-03-31 (YTD Data)		Rank
Total interest income	$9,383,000	686
Total interest expense	$687,000	1,046
Net interest income	$8,696,000	651
Provision for loan and lease losses	$0	3,703
Total noninterest income	$1,048,000	1,245
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$529,000	597
Trading account gains and fees	$-8,000	6,393
Additional Noninterest Income	$527,000	1,447
Total noninterest expense	$6,534,000	798
Salaries and employee benefits	$2,640,000	1,081
Premises and equipment expense	$835,000	762
Additional noninterest expense	$3,059,000	553
Pre-tax net operating income	$3,210,000	703
Securities gains (losses)	$44,000	896
Applicable income taxes	$1,162,000	564
Income before extraordinary items	$2,092,000	840
Extraordinary gains, net	$0	13
Net income	$2,091,000	839
Minority interest net income	$1,000	61
Net income of bank and minority interests.	$2,092,000	840
Net charge-offs	$-59,000	5,994
Cash dividends	$1,052,000	623
Sale, conversion, retirement of capital stock, net	$51,000	350
Net operating income	$2,063,840	818
2014-12-31 (YTD Data)		Rank
Total interest income	$37,174,000	680
Total interest expense	$2,845,000	1,049
Net interest income	$34,329,000	643
Provision for loan and lease losses	$-579,000	6,276
Total noninterest income	$4,601,000	1,167
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$2,060,000	663
Trading account gains and fees	$-22,000	6,481
Additional Noninterest Income	$2,563,000	1,228
Total noninterest expense	$24,962,000	804
Salaries and employee benefits	$9,974,000	1,098
Premises and equipment expense	$3,206,000	775
Additional noninterest expense	$11,782,000	579
Pre-tax net operating income	$14,547,000	597
Securities gains (losses)	$104,000	1,225
Applicable income taxes	$5,285,000	473
Income before extraordinary items	$9,366,000	730
Extraordinary gains, net	$0	17
Net income	$9,361,000	730
Minority interest net income	$5,000	77
Net income of bank and minority interests.	$9,366,000	730
Net charge-offs	$337,000	1,891
Cash dividends	$4,819,000	622
Sale, conversion, retirement of capital stock, net	$208,000	425
Net operating income	$9,299,440	717
2014-09-30 (YTD Data)		Rank
Total interest income	$27,731,000	681
Total interest expense	$2,172,000	1,040
Net interest income	$25,559,000	643
Provision for loan and lease losses	$-734,000	6,424
Total noninterest income	$3,305,000	1,194
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$1,535,000	662
Trading account gains and fees	$-11,000	6,556
Additional Noninterest Income	$1,781,000	1,295
Total noninterest expense	$18,824,000	801
Salaries and employee benefits	$7,477,000	1,098
Premises and equipment expense	$2,410,000	778
Additional noninterest expense	$8,937,000	561
Pre-tax net operating income	$10,774,000	598
Securities gains (losses)	$58,000	1,356
Applicable income taxes	$3,884,000	485
Income before extraordinary items	$6,948,000	732
Extraordinary gains, net	$0	15
Net income	$6,944,000	730
Minority interest net income	$4,000	74
Net income of bank and minority interests.	$6,948,000	731
Net charge-offs	$336,000	1,504
Cash dividends	$2,819,000	711
Sale, conversion, retirement of capital stock, net	$152,000	390
Net operating income	$6,910,880	720
2014-06-30 (YTD Data)		Rank
Total interest income	$18,638,000	666
Total interest expense	$1,522,000	994
Net interest income	$17,116,000	641
Provision for loan and lease losses	$-468,000	6,495
Total noninterest income	$2,276,000	1,160
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$1,007,000	659
Trading account gains and fees	$-4,000	6,619
Additional Noninterest Income	$1,273,000	1,232
Total noninterest expense	$12,855,000	786
Salaries and employee benefits	$5,026,000	1,091
Premises and equipment expense	$1,653,000	758
Additional noninterest expense	$6,176,000	548
Pre-tax net operating income	$7,005,000	609
Securities gains (losses)	$59,000	1,081
Applicable income taxes	$2,539,000	487
Income before extraordinary items	$4,525,000	726
Extraordinary gains, net	$0	20
Net income	$4,522,000	725
Minority interest net income	$3,000	73
Net income of bank and minority interests.	$4,525,000	726
Net charge-offs	$444,000	960
Cash dividends	$1,346,000	911
Sale, conversion, retirement of capital stock, net	$95,000	387
Net operating income	$4,487,240	714
2014-03-31 (YTD Data)		Rank
Total interest income	$9,118,000	694
Total interest expense	$788,000	970
Net interest income	$8,330,000	659
Provision for loan and lease losses	$-173,000	6,555
Total noninterest income	$1,044,000	1,209
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$489,000	665
Trading account gains and fees	$-4,000	6,693
Additional Noninterest Income	$559,000	1,303
Total noninterest expense	$6,322,000	807
Salaries and employee benefits	$2,471,000	1,124
Premises and equipment expense	$852,000	746
Additional noninterest expense	$2,999,000	561
Pre-tax net operating income	$3,225,000	625
Securities gains (losses)	$58,000	603
Applicable income taxes	$1,178,000	493
Income before extraordinary items	$2,105,000	742
Extraordinary gains, net	$0	16
Net income	$2,104,000	743
Minority interest net income	$1,000	62
Net income of bank and minority interests.	$2,105,000	743
Net charge-offs	$200,000	949
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$48,000	351
Net operating income	$2,067,880	739
2013-12-31 (YTD Data)		Rank
Total interest income	$35,820,000	695
Total interest expense	$3,343,000	1,005
Net interest income	$32,477,000	654
Provision for loan and lease losses	$110,000	3,600
Total noninterest income	$4,165,000	1,287
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$2,133,000	645
Trading account gains and fees	$-63,000	6,784
Additional Noninterest Income	$2,095,000	1,465
Total noninterest expense	$25,267,000	803
Salaries and employee benefits	$9,926,000	1,096
Premises and equipment expense	$3,184,000	763
Additional noninterest expense	$12,157,000	566
Pre-tax net operating income	$11,265,000	701
Securities gains (losses)	$114,000	1,223
Applicable income taxes	$3,918,000	550
Income before extraordinary items	$7,461,000	837
Extraordinary gains, net	$0	29
Net income	$7,456,000	840
Minority interest net income	$5,000	82
Net income of bank and minority interests.	$7,461,000	839
Net charge-offs	$-292,000	6,677
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$206,000	420
Net operating income	$7,385,760	831
2013-09-30 (YTD Data)		Rank
Total interest income	$26,305,000	710
Total interest expense	$2,531,000	1,033
Net interest income	$23,774,000	669
Provision for loan and lease losses	$795,000	1,065
Total noninterest income	$3,168,000	1,302
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$1,598,000	651
Trading account gains and fees	$-61,000	6,869
Additional Noninterest Income	$1,631,000	1,458
Total noninterest expense	$18,763,000	812
Salaries and employee benefits	$7,271,000	1,130
Premises and equipment expense	$2,392,000	763
Additional noninterest expense	$9,100,000	575
Pre-tax net operating income	$7,384,000	795
Securities gains (losses)	$120,000	1,095
Applicable income taxes	$2,575,000	612
Income before extraordinary items	$4,929,000	946
Extraordinary gains, net	$0	25
Net income	$4,925,000	949
Minority interest net income	$4,000	81
Net income of bank and minority interests.	$4,929,000	948
Net charge-offs	$661,000	1,335
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$140,000	412
Net operating income	$4,849,800	935
2013-06-30 (YTD Data)		Rank
Total interest income	$17,290,000	722
Total interest expense	$1,688,000	1,054
Net interest income	$15,602,000	675
Provision for loan and lease losses	$424,000	1,324
Total noninterest income	$2,059,000	1,334
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$1,040,000	651
Trading account gains and fees	$-46,000	6,915
Additional Noninterest Income	$1,065,000	1,511
Total noninterest expense	$12,582,000	810
Salaries and employee benefits	$4,792,000	1,141
Premises and equipment expense	$1,631,000	751
Additional noninterest expense	$6,159,000	574
Pre-tax net operating income	$4,655,000	823
Securities gains (losses)	$82,000	1,233
Applicable income taxes	$1,619,000	630
Income before extraordinary items	$3,118,000	986
Extraordinary gains, net	$0	22
Net income	$3,115,000	990
Minority interest net income	$3,000	74
Net income of bank and minority interests.	$3,118,000	989
Net charge-offs	$518,000	1,232
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$90,000	389
Net operating income	$3,063,880	959
2013-03-31 (YTD Data)		Rank
Total interest income	$8,361,000	747
Total interest expense	$847,000	1,090
Net interest income	$7,514,000	707
Provision for loan and lease losses	$662,000	561
Total noninterest income	$1,070,000	1,300
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$517,000	641
Trading account gains and fees	$-8,000	6,993
Additional Noninterest Income	$561,000	1,448
Total noninterest expense	$6,297,000	818
Salaries and employee benefits	$2,371,000	1,157
Premises and equipment expense	$862,000	724
Additional noninterest expense	$3,064,000	576
Pre-tax net operating income	$1,625,000	1,127
Securities gains (losses)	$80,000	750
Applicable income taxes	$564,000	817
Income before extraordinary items	$1,141,000	1,306
Extraordinary gains, net	$0	10
Net income	$1,140,000	1,310
Minority interest net income	$1,000	72
Net income of bank and minority interests.	$1,141,000	1,308
Net charge-offs	$841,000	542
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$38,000	378
Net operating income	$1,087,400	1,309
2012-12-31 (YTD Data)		Rank
Total interest income	$35,718,000	730
Total interest expense	$3,958,000	1,128
Net interest income	$31,760,000	675
Provision for loan and lease losses	$6,039,000	436
Total noninterest income	$4,036,000	1,324
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$2,034,000	704
Trading account gains and fees	$-72,000	7,064
Additional Noninterest Income	$2,074,000	1,489
Total noninterest expense	$25,364,000	787
Salaries and employee benefits	$9,542,000	1,104
Premises and equipment expense	$3,086,000	783
Additional noninterest expense	$12,736,000	570
Pre-tax net operating income	$4,393,000	1,542
Securities gains (losses)	$318,000	1,319
Applicable income taxes	$1,447,000	1,125
Income before extraordinary items	$3,264,000	1,728
Extraordinary gains, net	$0	29
Net income	$3,259,000	1,731
Minority interest net income	$5,000	86
Net income of bank and minority interests.	$3,264,000	1,729
Net charge-offs	$7,761,000	397
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$192,000	450
Net operating income	$3,044,580	1,734
2012-09-30 (YTD Data)		Rank
Total interest income	$26,660,000	743
Total interest expense	$3,027,000	1,169
Net interest income	$23,633,000	686
Provision for loan and lease losses	$2,579,000	698
Total noninterest income	$3,054,000	1,320
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$1,521,000	709
Trading account gains and fees	$-53,000	7,159
Additional Noninterest Income	$1,586,000	1,467
Total noninterest expense	$18,946,000	793
Salaries and employee benefits	$7,071,000	1,106
Premises and equipment expense	$2,302,000	790
Additional noninterest expense	$9,573,000	573
Pre-tax net operating income	$5,162,000	1,044
Securities gains (losses)	$315,000	1,073
Applicable income taxes	$1,797,000	782
Income before extraordinary items	$3,680,000	1,222
Extraordinary gains, net	$0	20
Net income	$3,676,000	1,223
Minority interest net income	$4,000	82
Net income of bank and minority interests.	$3,680,000	1,223
Net charge-offs	$3,028,000	671
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$140,000	403
Net operating income	$3,468,950	1,232
2012-06-30 (YTD Data)		Rank
Total interest income	$17,731,000	758
Total interest expense	$2,073,000	1,180
Net interest income	$15,658,000	696
Provision for loan and lease losses	$2,039,000	632
Total noninterest income	$2,011,000	1,321
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$1,016,000	692
Trading account gains and fees	$-36,000	7,223
Additional Noninterest Income	$1,031,000	1,487
Total noninterest expense	$12,903,000	779
Salaries and employee benefits	$4,676,000	1,114
Premises and equipment expense	$1,558,000	768
Additional noninterest expense	$6,669,000	552
Pre-tax net operating income	$2,727,000	1,298
Securities gains (losses)	$287,000	886
Applicable income taxes	$945,000	933
Income before extraordinary items	$2,069,000	1,439
Extraordinary gains, net	$0	19
Net income	$2,066,000	1,443
Minority interest net income	$3,000	78
Net income of bank and minority interests.	$2,069,000	1,439
Net charge-offs	$2,224,000	639
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$92,000	386
Net operating income	$1,870,970	1,480
2012-03-31 (YTD Data)		Rank
Total interest income	$8,776,000	772
Total interest expense	$1,077,000	1,182
Net interest income	$7,699,000	710
Provision for loan and lease losses	$1,477,000	456
Total noninterest income	$1,054,000	1,277
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$547,000	657
Trading account gains and fees	$-10,000	7,281
Additional Noninterest Income	$517,000	1,474
Total noninterest expense	$6,375,000	782
Salaries and employee benefits	$2,271,000	1,146
Premises and equipment expense	$793,000	759
Additional noninterest expense	$3,311,000	542
Pre-tax net operating income	$901,000	1,839
Securities gains (losses)	$2,000	2,023
Applicable income taxes	$251,000	1,487
Income before extraordinary items	$652,000	2,120
Extraordinary gains, net	$0	19
Net income	$651,000	2,123
Minority interest net income	$1,000	74
Net income of bank and minority interests.	$652,000	2,122
Net charge-offs	$1,621,000	471
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$47,000	329
Net operating income	$650,560	2,023
2011-12-31 (YTD Data)		Rank
Total interest income	$36,439,000	776
Total interest expense	$5,021,000	1,200
Net interest income	$31,418,000	689
Provision for loan and lease losses	$5,200,000	762
Total noninterest income	$4,375,000	1,163
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$2,326,000	635
Trading account gains and fees	$-75,000	7,306
Additional Noninterest Income	$2,124,000	1,303
Total noninterest expense	$24,158,000	819
Salaries and employee benefits	$8,912,000	1,101
Premises and equipment expense	$3,135,000	793
Additional noninterest expense	$12,111,000	602
Pre-tax net operating income	$6,435,000	932
Securities gains (losses)	$198,000	1,462
Applicable income taxes	$2,070,000	766
Income before extraordinary items	$4,563,000	1,089
Extraordinary gains, net	$0	29
Net income	$4,558,000	1,091
Minority interest net income	$5,000	93
Net income of bank and minority interests.	$4,563,000	1,089
Net charge-offs	$3,208,000	1,141
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$150,000	577
Net operating income	$4,426,380	1,074
2011-09-30 (YTD Data)		Rank
Total interest income	$27,389,000	790
Total interest expense	$3,846,000	1,225
Net interest income	$23,543,000	691
Provision for loan and lease losses	$4,725,000	653
Total noninterest income	$3,306,000	1,158
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$1,723,000	645
Trading account gains and fees	$-48,000	7,380
Additional Noninterest Income	$1,631,000	1,271
Total noninterest expense	$18,285,000	808
Salaries and employee benefits	$6,799,000	1,087
Premises and equipment expense	$2,355,000	805
Additional noninterest expense	$9,131,000	587
Pre-tax net operating income	$3,839,000	1,206
Securities gains (losses)	$198,000	1,220
Applicable income taxes	$1,221,000	928
Income before extraordinary items	$2,816,000	1,370
Extraordinary gains, net	$0	21
Net income	$2,812,000	1,373
Minority interest net income	$4,000	84
Net income of bank and minority interests.	$2,816,000	1,370
Net charge-offs	$2,059,000	1,200
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$118,000	532
Net operating income	$2,677,400	1,353
2011-06-30 (YTD Data)		Rank
Total interest income	$18,268,000	799
Total interest expense	$2,598,000	1,259
Net interest income	$15,670,000	703
Provision for loan and lease losses	$2,150,000	872
Total noninterest income	$2,250,000	1,134
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$1,148,000	642
Trading account gains and fees	$-22,000	7,465
Additional Noninterest Income	$1,124,000	1,245
Total noninterest expense	$12,335,000	813
Salaries and employee benefits	$4,505,000	1,108
Premises and equipment expense	$1,624,000	779
Additional noninterest expense	$6,206,000	592
Pre-tax net operating income	$3,435,000	877
Securities gains (losses)	$18,000	2,133
Applicable income taxes	$1,078,000	715
Income before extraordinary items	$2,375,000	1,044
Extraordinary gains, net	$0	15
Net income	$2,372,000	1,044
Minority interest net income	$3,000	87
Net income of bank and minority interests.	$2,375,000	1,044
Net charge-offs	$1,101,000	1,391
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$72,000	465
Net operating income	$2,362,580	1,018
2011-03-31 (YTD Data)		Rank
Total interest income	$9,119,000	806
Total interest expense	$1,315,000	1,293
Net interest income	$7,804,000	705
Provision for loan and lease losses	$1,675,000	592
Total noninterest income	$1,083,000	1,141
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$567,000	634
Trading account gains and fees	$-9,000	7,539
Additional Noninterest Income	$525,000	1,303
Total noninterest expense	$6,256,000	800
Salaries and employee benefits	$2,256,000	1,124
Premises and equipment expense	$844,000	769
Additional noninterest expense	$3,156,000	568
Pre-tax net operating income	$956,000	1,513
Securities gains (losses)	$18,000	1,128
Applicable income taxes	$258,000	1,253
Income before extraordinary items	$716,000	1,642
Extraordinary gains, net	$0	9
Net income	$715,000	1,646
Minority interest net income	$1,000	84
Net income of bank and minority interests.	$716,000	1,642
Net charge-offs	$1,003,000	859
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$37,000	404
Net operating income	$702,680	1,627
2010-12-31 (YTD Data)		Rank
Total interest income	$39,130,000	779
Total interest expense	$6,910,000	1,187
Net interest income	$32,220,000	661
Provision for loan and lease losses	$4,841,000	1,178
Total noninterest income	$4,913,000	1,107
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$2,245,000	667
Trading account gains and fees	$-28,000	7,600
Additional Noninterest Income	$2,696,000	1,139
Total noninterest expense	$24,542,000	817
Salaries and employee benefits	$8,992,000	1,107
Premises and equipment expense	$3,184,000	805
Additional noninterest expense	$12,366,000	619
Pre-tax net operating income	$7,750,000	691
Securities gains (losses)	$56,000	2,585
Applicable income taxes	$2,444,000	625
Income before extraordinary items	$5,362,000	816
Extraordinary gains, net	$0	29
Net income	$5,357,000	820
Minority interest net income	$5,000	105
Net income of bank and minority interests.	$5,362,000	817
Net charge-offs	$3,093,000	1,449
Cash dividends	$500,000	2,343
Sale, conversion, retirement of capital stock, net	$147,000	695
Net operating income	$5,323,360	795
2010-09-30 (YTD Data)		Rank
Total interest income	$29,621,000	779
Total interest expense	$5,451,000	1,178
Net interest income	$24,170,000	660
Provision for loan and lease losses	$3,584,000	1,127
Total noninterest income	$3,159,000	1,209
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$1,716,000	669
Trading account gains and fees	$-13,000	7,698
Additional Noninterest Income	$1,456,000	1,367
Total noninterest expense	$18,092,000	819
Salaries and employee benefits	$6,715,000	1,100
Premises and equipment expense	$2,378,000	814
Additional noninterest expense	$8,999,000	603
Pre-tax net operating income	$5,653,000	755
Securities gains (losses)	$56,000	2,341
Applicable income taxes	$1,757,000	661
Income before extraordinary items	$3,952,000	881
Extraordinary gains, net	$0	23
Net income	$3,948,000	883
Minority interest net income	$4,000	104
Net income of bank and minority interests.	$3,952,000	882
Net charge-offs	$1,835,000	1,584
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$109,000	637
Net operating income	$3,913,360	848
2010-06-30 (YTD Data)		Rank
Total interest income	$19,936,000	778
Total interest expense	$3,778,000	1,184
Net interest income	$16,158,000	665
Provision for loan and lease losses	$1,478,000	1,540
Total noninterest income	$2,147,000	1,174
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$1,181,000	649
Trading account gains and fees	$27,000	120
Additional Noninterest Income	$939,000	1,353
Total noninterest expense	$12,106,000	816
Salaries and employee benefits	$4,461,000	1,103
Premises and equipment expense	$1,578,000	827
Additional noninterest expense	$6,067,000	594
Pre-tax net operating income	$4,721,000	588
Securities gains (losses)	$56,000	1,812
Applicable income taxes	$1,550,000	486
Income before extraordinary items	$3,227,000	695
Extraordinary gains, net	$0	19
Net income	$3,224,000	694
Minority interest net income	$3,000	99
Net income of bank and minority interests.	$3,227,000	695
Net charge-offs	$1,013,000	1,712
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$73,000	551
Net operating income	$3,188,920	683
2010-03-31 (YTD Data)		Rank
Total interest income	$9,975,000	788
Total interest expense	$1,979,000	1,195
Net interest income	$7,996,000	679
Provision for loan and lease losses	$831,000	1,326
Total noninterest income	$1,108,000	1,125
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$585,000	654
Trading account gains and fees	$24,000	124
Additional Noninterest Income	$499,000	1,306
Total noninterest expense	$6,004,000	821
Salaries and employee benefits	$2,223,000	1,119
Premises and equipment expense	$832,000	809
Additional noninterest expense	$2,949,000	622
Pre-tax net operating income	$2,269,000	606
Securities gains (losses)	$56,000	1,095
Applicable income taxes	$752,000	479
Income before extraordinary items	$1,573,000	702
Extraordinary gains, net	$0	16
Net income	$1,572,000	704
Minority interest net income	$1,000	84
Net income of bank and minority interests.	$1,573,000	706
Net charge-offs	$684,000	1,351
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$37,000	490
Net operating income	$1,534,920	695
2009-12-31 (YTD Data)		Rank
Total interest income	$41,080,000	811
Total interest expense	$9,820,000	1,214
Net interest income	$31,260,000	685
Provision for loan and lease losses	$3,646,000	1,756
Total noninterest income	$4,271,000	1,239
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$2,548,000	659
Trading account gains and fees	$118,000	145
Additional Noninterest Income	$1,605,000	1,589
Total noninterest expense	$23,525,000	894
Salaries and employee benefits	$8,303,000	1,181
Premises and equipment expense	$3,161,000	859
Additional noninterest expense	$12,061,000	670
Pre-tax net operating income	$8,360,000	518
Securities gains (losses)	$212,000	1,511
Applicable income taxes	$2,782,000	427
Income before extraordinary items	$5,790,000	578
Extraordinary gains, net	$0	34
Net income	$5,785,000	577
Minority interest net income	$5,000	109
Net income of bank and minority interests.	$5,790,000	579
Net charge-offs	$1,285,000	2,558
Cash dividends	$788,000	1,958
Sale, conversion, retirement of capital stock, net	$106,000	876
Net operating income	$5,645,840	593
2009-09-30 (YTD Data)		Rank
Total interest income	$30,624,000	836
Total interest expense	$7,566,000	1,244
Net interest income	$23,058,000	699
Provision for loan and lease losses	$2,997,000	1,483
Total noninterest income	$3,200,000	1,253
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$1,891,000	664
Trading account gains and fees	$133,000	141
Additional Noninterest Income	$1,176,000	1,637
Total noninterest expense	$17,436,000	897
Salaries and employee benefits	$6,148,000	1,217
Premises and equipment expense	$2,413,000	845
Additional noninterest expense	$8,875,000	651
Pre-tax net operating income	$5,825,000	589
Securities gains (losses)	$27,000	2,619
Applicable income taxes	$1,877,000	498
Income before extraordinary items	$3,975,000	674
Extraordinary gains, net	$0	27
Net income	$3,971,000	674
Minority interest net income	$4,000	113
Net income of bank and minority interests.	$3,975,000	676
Net charge-offs	$870,000	2,358
Cash dividends	$788,000	1,515
Sale, conversion, retirement of capital stock, net	$65,000	862
Net operating income	$3,956,640	680
2009-06-30 (YTD Data)		Rank
Total interest income	$20,444,000	851
Total interest expense	$5,153,000	1,276
Net interest income	$15,291,000	707
Provision for loan and lease losses	$2,132,000	1,345
Total noninterest income	$2,044,000	1,310
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$1,251,000	666
Trading account gains and fees	$100,000	133
Additional Noninterest Income	$693,000	1,820
Total noninterest expense	$11,680,000	910
Salaries and employee benefits	$4,059,000	1,250
Premises and equipment expense	$1,655,000	850
Additional noninterest expense	$5,966,000	651
Pre-tax net operating income	$3,523,000	654
Securities gains (losses)	$0	3,136
Applicable income taxes	$1,130,000	544
Income before extraordinary items	$2,393,000	777
Extraordinary gains, net	$0	21
Net income	$2,390,000	776
Minority interest net income	$3,000	108
Net income of bank and minority interests.	$2,393,000	777
Net charge-offs	$762,000	1,893
Cash dividends	$788,000	1,156
Sale, conversion, retirement of capital stock, net	$46,000	828
Net operating income	$2,393,000	746
2009-03-31 (YTD Data)		Rank
Total interest income	$10,248,000	857
Total interest expense	$2,664,000	1,291
Net interest income	$7,584,000	706
Provision for loan and lease losses	$1,086,000	1,126
Total noninterest income	$1,065,000	1,216
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$639,000	634
Trading account gains and fees	$75,000	105
Additional Noninterest Income	$351,000	1,764
Total noninterest expense	$5,710,000	884
Salaries and employee benefits	$2,012,000	1,280
Premises and equipment expense	$886,000	800
Additional noninterest expense	$2,812,000	613
Pre-tax net operating income	$1,853,000	668
Securities gains (losses)	$0	2,434
Applicable income taxes	$572,000	586
Income before extraordinary items	$1,281,000	820
Extraordinary gains, net	$0	15
Net income	$1,280,000	821
Minority interest net income	$1,000	96
Net income of bank and minority interests.	$1,281,000	822
Net charge-offs	$323,000	1,711
Cash dividends	$450,000	974
Sale, conversion, retirement of capital stock, net	$28,000	665
Net operating income	$1,281,000	759
2008-12-31 (YTD Data)		Rank
Total interest income	$36,191,000	1,049
Total interest expense	$11,296,000	1,449
Net interest income	$24,895,000	862
Provision for loan and lease losses	$2,346,000	1,628
Total noninterest income	$4,550,000	1,149
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$2,786,000	623
Trading account gains and fees	$82,000	111
Additional Noninterest Income	$1,682,000	1,475
Total noninterest expense	$20,873,000	954
Salaries and employee benefits	$7,430,000	1,373
Premises and equipment expense	$2,864,000	968
Additional noninterest expense	$10,579,000	649
Pre-tax net operating income	$6,226,000	901
Securities gains (losses)	$41,000	1,735
Applicable income taxes	$1,934,000	698
Income before extraordinary items	$4,333,000	946
Extraordinary gains, net	$0	39
Net income	$4,333,000	945
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,125,000	1,830
Cash dividends	$4,400,000	630
Sale, conversion, retirement of capital stock, net	$70,000	1,063
Net operating income	$4,304,710	1,024
2008-09-30 (YTD Data)		Rank
Total interest income	$25,961,000	1,130
Total interest expense	$8,338,000	1,515
Net interest income	$17,623,000	926
Provision for loan and lease losses	$1,546,000	1,396
Total noninterest income	$3,302,000	1,222
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$2,079,000	632
Trading account gains and fees	$-18,000	8,278
Additional Noninterest Income	$1,241,000	1,562
Total noninterest expense	$15,119,000	985
Salaries and employee benefits	$5,338,000	1,473
Premises and equipment expense	$2,074,000	1,006
Additional noninterest expense	$7,707,000	629
Pre-tax net operating income	$4,260,000	1,185
Securities gains (losses)	$42,000	1,531
Applicable income taxes	$1,340,000	921
Income before extraordinary items	$2,962,000	1,253
Extraordinary gains, net	$0	31
Net income	$2,962,000	1,252
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$939,000	1,358
Cash dividends	$2,400,000	872
Sale, conversion, retirement of capital stock, net	$63,000	898
Net operating income	$2,933,020	1,335
2008-06-30 (YTD Data)		Rank
Total interest income	$15,922,000	1,248
Total interest expense	$5,329,000	1,648
Net interest income	$10,593,000	1,031
Provision for loan and lease losses	$698,000	1,538
Total noninterest income	$1,973,000	1,342
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$1,322,000	649
Trading account gains and fees	$-46,000	8,367
Additional Noninterest Income	$697,000	1,793
Total noninterest expense	$9,552,000	1,029
Salaries and employee benefits	$3,358,000	1,567
Premises and equipment expense	$1,270,000	1,091
Additional noninterest expense	$4,924,000	634
Pre-tax net operating income	$2,316,000	1,483
Securities gains (losses)	$42,000	1,555
Applicable income taxes	$743,000	1,177
Income before extraordinary items	$1,615,000	1,678
Extraordinary gains, net	$0	21
Net income	$1,615,000	1,679
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$310,000	1,769
Cash dividends	$1,900,000	836
Sale, conversion, retirement of capital stock, net	$42,000	810
Net operating income	$1,586,440	1,676
2008-03-31 (YTD Data)		Rank
Total interest income	$7,255,000	1,419
Total interest expense	$2,577,000	1,822
Net interest income	$4,678,000	1,175
Provision for loan and lease losses	$189,000	1,890
Total noninterest income	$1,042,000	1,296
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$647,000	655
Trading account gains and fees	$57,000	112
Additional Noninterest Income	$338,000	1,826
Total noninterest expense	$4,227,000	1,151
Salaries and employee benefits	$1,529,000	1,723
Premises and equipment expense	$561,000	1,223
Additional noninterest expense	$2,137,000	684
Pre-tax net operating income	$1,304,000	1,435
Securities gains (losses)	$0	2,688
Applicable income taxes	$432,000	1,131
Income before extraordinary items	$872,000	1,698
Extraordinary gains, net	$0	15
Net income	$872,000	1,700
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$128,000	1,598
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$22,000	679
Net operating income	$872,000	1,636
2007-12-31 (YTD Data)		Rank
Total interest income	$29,164,000	1,470
Total interest expense	$11,269,000	1,772
Net interest income	$17,895,000	1,247
Provision for loan and lease losses	$474,000	2,422
Total noninterest income	$4,158,000	1,264
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$2,596,000	674
Trading account gains and fees	$133,000	109
Additional Noninterest Income	$1,429,000	1,733
Total noninterest expense	$15,840,000	1,180
Salaries and employee benefits	$6,163,000	1,630
Premises and equipment expense	$2,365,000	1,127
Additional noninterest expense	$7,312,000	791
Pre-tax net operating income	$5,739,000	1,452
Securities gains (losses)	$16,000	1,168
Applicable income taxes	$1,903,000	1,176
Income before extraordinary items	$3,852,000	1,650
Extraordinary gains, net	$0	39
Net income	$3,852,000	1,649
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$356,000	2,067
Cash dividends	$2,250,000	1,477
Sale, conversion, retirement of capital stock, net	$45,000	1,084
Net operating income	$3,841,280	1,641
2007-09-30 (YTD Data)		Rank
Total interest income	$21,814,000	1,486
Total interest expense	$8,473,000	1,769
Net interest income	$13,341,000	1,257
Provision for loan and lease losses	$363,000	1,999
Total noninterest income	$2,936,000	1,323
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$1,882,000	689
Trading account gains and fees	$17,000	161
Additional Noninterest Income	$1,037,000	1,785
Total noninterest expense	$11,950,000	1,168
Salaries and employee benefits	$4,734,000	1,603
Premises and equipment expense	$1,791,000	1,111
Additional noninterest expense	$5,425,000	778
Pre-tax net operating income	$3,964,000	1,683
Securities gains (losses)	$9,000	1,036
Applicable income taxes	$1,319,000	1,349
Income before extraordinary items	$2,654,000	1,901
Extraordinary gains, net	$0	33
Net income	$2,654,000	1,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$336,000	1,417
Cash dividends	$1,900,000	1,278
Sale, conversion, retirement of capital stock, net	$33,000	968
Net operating income	$2,647,970	1,896
2007-06-30 (YTD Data)		Rank
Total interest income	$14,490,000	1,505
Total interest expense	$5,636,000	1,770
Net interest income	$8,854,000	1,284
Provision for loan and lease losses	$252,000	1,778
Total noninterest income	$1,716,000	1,505
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$1,182,000	749
Trading account gains and fees	$-101,000	8,582
Additional Noninterest Income	$635,000	1,903
Total noninterest expense	$7,931,000	1,193
Salaries and employee benefits	$3,195,000	1,610
Premises and equipment expense	$1,237,000	1,084
Additional noninterest expense	$3,499,000	805
Pre-tax net operating income	$2,387,000	1,881
Securities gains (losses)	$0	1,444
Applicable income taxes	$770,000	1,534
Income before extraordinary items	$1,617,000	2,095
Extraordinary gains, net	$0	29
Net income	$1,617,000	2,094
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$283,000	1,066
Cash dividends	$1,100,000	1,408
Sale, conversion, retirement of capital stock, net	$22,000	892
Net operating income	$1,617,000	2,082
2007-03-31 (YTD Data)		Rank
Total interest income	$7,135,000	1,519
Total interest expense	$2,820,000	1,763
Net interest income	$4,315,000	1,318
Provision for loan and lease losses	$162,000	1,354
Total noninterest income	$747,000	1,650
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$516,000	828
Trading account gains and fees	$63,000	129
Additional Noninterest Income	$168,000	2,824
Total noninterest expense	$3,921,000	1,199
Salaries and employee benefits	$1,623,000	1,600
Premises and equipment expense	$581,000	1,163
Additional noninterest expense	$1,717,000	804
Pre-tax net operating income	$979,000	2,208
Securities gains (losses)	$0	1,187
Applicable income taxes	$271,000	1,993
Income before extraordinary items	$708,000	2,297
Extraordinary gains, net	$0	22
Net income	$708,000	2,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	973
Cash dividends	$600,000	1,214
Sale, conversion, retirement of capital stock, net	$11,000	756
Net operating income	$708,000	2,276
2006-12-31 (YTD Data)		Rank
Total interest income	$26,052,000	1,532
Total interest expense	$8,252,000	2,000
Net interest income	$17,800,000	1,273
Provision for loan and lease losses	$260,000	3,029
Total noninterest income	$4,038,000	1,288
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$2,090,000	844
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,948,000	1,388
Total noninterest expense	$15,020,000	1,202
Salaries and employee benefits	$7,507,000	1,303
Premises and equipment expense	$2,125,000	1,203
Additional noninterest expense	$5,388,000	990
Pre-tax net operating income	$6,558,000	1,478
Securities gains (losses)	$0	1,687
Applicable income taxes	$1,848,000	1,418
Income before extraordinary items	$4,710,000	1,539
Extraordinary gains, net	$0	51
Net income	$4,710,000	1,540
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$145,000	2,632
Cash dividends	$1,950,000	1,589
Sale, conversion, retirement of capital stock, net	$113,000	866
Net operating income	$4,710,000	1,521
2006-09-30 (YTD Data)		Rank
Total interest income	$19,170,000	1,551
Total interest expense	$5,797,000	2,052
Net interest income	$13,373,000	1,290
Provision for loan and lease losses	$188,000	2,984
Total noninterest income	$3,163,000	1,264
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$1,563,000	845
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,600,000	1,308
Total noninterest expense	$11,181,000	1,224
Salaries and employee benefits	$5,583,000	1,324
Premises and equipment expense	$1,528,000	1,273
Additional noninterest expense	$4,070,000	986
Pre-tax net operating income	$5,167,000	1,465
Securities gains (losses)	$0	1,388
Applicable income taxes	$1,414,000	1,454
Income before extraordinary items	$3,753,000	1,488
Extraordinary gains, net	$0	45
Net income	$3,753,000	1,489
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,000	2,022
Cash dividends	$1,350,000	1,576
Sale, conversion, retirement of capital stock, net	$87,000	728
Net operating income	$3,753,000	1,469
2006-06-30 (YTD Data)		Rank
Total interest income	$12,627,000	1,537
Total interest expense	$3,642,000	2,063
Net interest income	$8,985,000	1,275
Provision for loan and lease losses	$126,000	2,915
Total noninterest income	$2,348,000	1,162
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$1,050,000	828
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,298,000	1,113
Total noninterest expense	$7,517,000	1,219
Salaries and employee benefits	$3,736,000	1,328
Premises and equipment expense	$1,003,000	1,299
Additional noninterest expense	$2,778,000	967
Pre-tax net operating income	$3,690,000	1,369
Securities gains (losses)	$0	1,185
Applicable income taxes	$945,000	1,465
Income before extraordinary items	$2,745,000	1,367
Extraordinary gains, net	$0	39
Net income	$2,745,000	1,368
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,000	1,554
Cash dividends	$951,000	1,509
Sale, conversion, retirement of capital stock, net	$52,000	625
Net operating income	$2,745,000	1,358
2006-03-31 (YTD Data)		Rank
Total interest income	$6,272,000	1,515
Total interest expense	$1,669,000	2,138
Net interest income	$4,603,000	1,230
Provision for loan and lease losses	$114,000	1,832
Total noninterest income	$812,000	1,494
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$507,000	828
Trading account gains and fees	$0	115
Additional Noninterest Income	$305,000	1,911
Total noninterest expense	$3,731,000	1,220
Salaries and employee benefits	$1,858,000	1,341
Premises and equipment expense	$489,000	1,329
Additional noninterest expense	$1,384,000	964
Pre-tax net operating income	$1,570,000	1,561
Securities gains (losses)	$0	955
Applicable income taxes	$498,000	1,406
Income before extraordinary items	$1,072,000	1,672
Extraordinary gains, net	$0	21
Net income	$1,072,000	1,671
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	1,088
Cash dividends	$400,000	1,598
Sale, conversion, retirement of capital stock, net	$26,000	470
Net operating income	$1,072,000	1,655
2005-12-31 (YTD Data)		Rank
Total interest income	$22,994,000	1,454
Total interest expense	$5,565,000	2,013
Net interest income	$17,429,000	1,243
Provision for loan and lease losses	$451,000	2,060
Total noninterest income	$3,514,000	1,425
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$2,094,000	829
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,420,000	1,737
Total noninterest expense	$13,012,000	1,327
Salaries and employee benefits	$6,856,000	1,356
Premises and equipment expense	$1,784,000	1,381
Additional noninterest expense	$4,372,000	1,172
Pre-tax net operating income	$7,480,000	1,278
Securities gains (losses)	$-882,000	8,746
Applicable income taxes	$2,187,000	1,262
Income before extraordinary items	$4,411,000	1,592
Extraordinary gains, net	$0	46
Net income	$4,411,000	1,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$140,000	2,835
Cash dividends	$1,604,000	1,732
Sale, conversion, retirement of capital stock, net	$12,000	874
Net operating income	$5,001,940	1,397
2005-09-30 (YTD Data)		Rank
Total interest income	$16,891,000	1,443
Total interest expense	$3,867,000	2,045
Net interest income	$13,024,000	1,241
Provision for loan and lease losses	$271,000	2,377
Total noninterest income	$2,631,000	1,435
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$1,580,000	820
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,051,000	1,758
Total noninterest expense	$9,606,000	1,335
Salaries and employee benefits	$4,984,000	1,384
Premises and equipment expense	$1,310,000	1,392
Additional noninterest expense	$3,312,000	1,140
Pre-tax net operating income	$5,778,000	1,234
Securities gains (losses)	$0	2,317
Applicable income taxes	$1,988,000	1,077
Income before extraordinary items	$3,790,000	1,412
Extraordinary gains, net	$0	35
Net income	$3,790,000	1,413
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	4,195
Cash dividends	$1,204,000	1,556
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$3,790,000	1,390
2005-06-30 (YTD Data)		Rank
Total interest income	$10,946,000	1,438
Total interest expense	$2,385,000	2,075
Net interest income	$8,561,000	1,240
Provision for loan and lease losses	$91,000	3,481
Total noninterest income	$1,739,000	1,425
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$1,051,000	806
Trading account gains and fees	$0	116
Additional Noninterest Income	$688,000	1,765
Total noninterest expense	$6,310,000	1,345
Salaries and employee benefits	$3,242,000	1,424
Premises and equipment expense	$885,000	1,369
Additional noninterest expense	$2,183,000	1,140
Pre-tax net operating income	$3,899,000	1,196
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,342,000	1,044
Income before extraordinary items	$2,557,000	1,364
Extraordinary gains, net	$0	30
Net income	$2,557,000	1,365
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	3,953
Cash dividends	$804,000	1,563
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$2,557,000	1,344
2005-03-31 (YTD Data)		Rank
Total interest income	$5,324,000	1,447
Total interest expense	$1,117,000	2,106
Net interest income	$4,207,000	1,263
Provision for loan and lease losses	$80,000	2,398
Total noninterest income	$845,000	1,426
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$528,000	774
Trading account gains and fees	$0	115
Additional Noninterest Income	$317,000	1,831
Total noninterest expense	$3,096,000	1,370
Salaries and employee benefits	$1,568,000	1,486
Premises and equipment expense	$447,000	1,352
Additional noninterest expense	$1,081,000	1,136
Pre-tax net operating income	$1,876,000	1,217
Securities gains (losses)	$0	1,685
Applicable income taxes	$652,000	1,064
Income before extraordinary items	$1,224,000	1,392
Extraordinary gains, net	$0	24
Net income	$1,224,000	1,394
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	3,734
Cash dividends	$404,000	1,432
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$1,224,000	1,367
2004-12-31 (YTD Data)		Rank
Total interest income	$18,919,000	1,530
Total interest expense	$3,307,000	2,412
Net interest income	$15,612,000	1,294
Provision for loan and lease losses	$381,000	2,453
Total noninterest income	$3,472,000	1,429
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$2,117,000	822
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,355,000	1,753
Total noninterest expense	$11,778,000	1,391
Salaries and employee benefits	$6,171,000	1,438
Premises and equipment expense	$1,631,000	1,407
Additional noninterest expense	$3,976,000	1,250
Pre-tax net operating income	$6,925,000	1,251
Securities gains (losses)	$-8,000	8,172
Applicable income taxes	$2,431,000	1,072
Income before extraordinary items	$4,486,000	1,438
Extraordinary gains, net	$0	34
Net income	$4,486,000	1,439
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$277,000	2,109
Cash dividends	$1,100,000	2,152
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$4,491,200	1,393
2004-09-30 (YTD Data)		Rank
Total interest income	$13,897,000	1,544
Total interest expense	$2,360,000	2,482
Net interest income	$11,537,000	1,301
Provision for loan and lease losses	$316,000	2,168
Total noninterest income	$2,593,000	1,449
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$1,545,000	844
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,048,000	1,718
Total noninterest expense	$8,755,000	1,399
Salaries and employee benefits	$4,562,000	1,451
Premises and equipment expense	$1,192,000	1,448
Additional noninterest expense	$3,001,000	1,225
Pre-tax net operating income	$5,059,000	1,293
Securities gains (losses)	$-8,000	8,459
Applicable income taxes	$1,776,000	1,124
Income before extraordinary items	$3,275,000	1,498
Extraordinary gains, net	$0	26
Net income	$3,275,000	1,499
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$266,000	1,561
Cash dividends	$825,000	1,976
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$3,280,200	1,449
2004-06-30 (YTD Data)		Rank
Total interest income	$9,107,000	1,550
Total interest expense	$1,495,000	2,577
Net interest income	$7,612,000	1,303
Provision for loan and lease losses	$252,000	1,814
Total noninterest income	$1,671,000	1,475
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$1,005,000	856
Trading account gains and fees	$0	130
Additional Noninterest Income	$666,000	1,786
Total noninterest expense	$5,739,000	1,414
Salaries and employee benefits	$3,004,000	1,474
Premises and equipment expense	$796,000	1,446
Additional noninterest expense	$1,939,000	1,249
Pre-tax net operating income	$3,292,000	1,296
Securities gains (losses)	$0	3,413
Applicable income taxes	$1,168,000	1,133
Income before extraordinary items	$2,124,000	1,514
Extraordinary gains, net	$0	21
Net income	$2,124,000	1,515
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$252,000	1,165
Cash dividends	$550,000	1,992
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$2,124,000	1,460
2004-03-31 (YTD Data)		Rank
Total interest income	$4,487,000	1,573
Total interest expense	$751,000	2,604
Net interest income	$3,736,000	1,332
Provision for loan and lease losses	$124,000	1,770
Total noninterest income	$855,000	1,416
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$504,000	839
Trading account gains and fees	$0	121
Additional Noninterest Income	$351,000	1,682
Total noninterest expense	$2,827,000	1,444
Salaries and employee benefits	$1,533,000	1,450
Premises and equipment expense	$408,000	1,441
Additional noninterest expense	$886,000	1,363
Pre-tax net operating income	$1,640,000	1,289
Securities gains (losses)	$0	2,934
Applicable income taxes	$596,000	1,124
Income before extraordinary items	$1,044,000	1,531
Extraordinary gains, net	$0	16
Net income	$1,044,000	1,531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	2,731
Cash dividends	$275,000	1,834
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$1,044,000	1,450
2003-12-31 (YTD Data)		Rank
Total interest income	$16,925,000	1,689
Total interest expense	$3,014,000	2,852
Net interest income	$13,911,000	1,403
Provision for loan and lease losses	$596,000	1,892
Total noninterest income	$3,417,000	1,518
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$1,918,000	903
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,499,000	1,820
Total noninterest expense	$10,427,000	1,531
Salaries and employee benefits	$5,430,000	1,593
Premises and equipment expense	$1,490,000	1,528
Additional noninterest expense	$3,507,000	1,396
Pre-tax net operating income	$6,305,000	1,309
Securities gains (losses)	$33,000	2,848
Applicable income taxes	$2,283,000	1,157
Income before extraordinary items	$4,055,000	1,547
Extraordinary gains, net	$0	54
Net income	$4,055,000	1,548
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$385,000	1,914
Cash dividends	$1,000,000	2,290
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$4,033,880	1,483
2003-09-30 (YTD Data)		Rank
Total interest income	$12,547,000	1,735
Total interest expense	$2,323,000	2,874
Net interest income	$10,224,000	1,441
Provision for loan and lease losses	$482,000	1,716
Total noninterest income	$2,518,000	1,573
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,401,000	927
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,117,000	1,896
Total noninterest expense	$7,730,000	1,562
Salaries and employee benefits	$4,024,000	1,606
Premises and equipment expense	$1,122,000	1,528
Additional noninterest expense	$2,584,000	1,426
Pre-tax net operating income	$4,530,000	1,422
Securities gains (losses)	$33,000	2,620
Applicable income taxes	$1,644,000	1,249
Income before extraordinary items	$2,919,000	1,649
Extraordinary gains, net	$0	40
Net income	$2,919,000	1,649
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$262,000	1,866
Cash dividends	$750,000	2,073
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$2,897,880	1,576
2003-06-30 (YTD Data)		Rank
Total interest income	$8,346,000	1,752
Total interest expense	$1,614,000	2,854
Net interest income	$6,732,000	1,453
Provision for loan and lease losses	$365,000	1,523
Total noninterest income	$1,763,000	1,509
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$900,000	956
Trading account gains and fees	$0	150
Additional Noninterest Income	$863,000	1,688
Total noninterest expense	$5,267,000	1,528
Salaries and employee benefits	$2,733,000	1,574
Premises and equipment expense	$756,000	1,514
Additional noninterest expense	$1,778,000	1,388
Pre-tax net operating income	$2,863,000	1,477
Securities gains (losses)	$59,000	1,903
Applicable income taxes	$1,050,000	1,320
Income before extraordinary items	$1,872,000	1,728
Extraordinary gains, net	$0	30
Net income	$1,872,000	1,727
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	2,606
Cash dividends	$500,000	2,126
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,834,240	1,650
2003-03-31 (YTD Data)		Rank
Total interest income	$4,145,000	1,776
Total interest expense	$826,000	2,851
Net interest income	$3,319,000	1,463
Provision for loan and lease losses	$182,000	1,467
Total noninterest income	$866,000	1,481
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$454,000	915
Trading account gains and fees	$0	134
Additional Noninterest Income	$412,000	1,702
Total noninterest expense	$2,647,000	1,509
Salaries and employee benefits	$1,395,000	1,530
Premises and equipment expense	$419,000	1,380
Additional noninterest expense	$833,000	1,439
Pre-tax net operating income	$1,356,000	1,554
Securities gains (losses)	$59,000	1,296
Applicable income taxes	$493,000	1,388
Income before extraordinary items	$922,000	1,726
Extraordinary gains, net	$0	21
Net income	$922,000	1,725
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	2,593
Cash dividends	$250,000	1,948
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$883,650	1,681
2002-12-31 (YTD Data)		Rank
Total interest income	$17,136,000	1,807
Total interest expense	$4,022,000	2,733
Net interest income	$13,114,000	1,481
Provision for loan and lease losses	$585,000	2,119
Total noninterest income	$2,757,000	1,654
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,490,000	1,079
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,267,000	1,871
Total noninterest expense	$10,260,000	1,499
Salaries and employee benefits	$5,216,000	1,555
Premises and equipment expense	$1,404,000	1,583
Additional noninterest expense	$3,640,000	1,329
Pre-tax net operating income	$5,026,000	1,623
Securities gains (losses)	$0	4,537
Applicable income taxes	$1,731,000	1,457
Income before extraordinary items	$3,295,000	1,822
Extraordinary gains, net	$0	70
Net income	$3,295,000	1,821
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	4,150
Cash dividends	$843,000	2,568
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,295,000	1,758
2001-12-31 (YTD Data)		Rank
Total interest income	$15,896,000	2,169
Total interest expense	$4,965,000	3,170
Net interest income	$10,931,000	1,629
Provision for loan and lease losses	$487,000	2,252
Total noninterest income	$2,192,000	1,873
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$1,163,000	1,282
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,029,000	1,996
Total noninterest expense	$9,224,000	1,585
Salaries and employee benefits	$4,524,000	1,667
Premises and equipment expense	$1,213,000	1,785
Additional noninterest expense	$3,487,000	1,341
Pre-tax net operating income	$3,412,000	2,014
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,209,000	1,796
Income before extraordinary items	$2,203,000	2,335
Extraordinary gains, net	$0	105
Net income	$2,203,000	2,339
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$251,000	2,490
Cash dividends	$891,000	2,465
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,203,000	2,262
2000-12-31 (YTD Data)		Rank
Total interest income	$5,004,000	5,731
Total interest expense	$1,773,000	6,647
Net interest income	$3,231,000	4,891
Provision for loan and lease losses	$60,000	6,179
Total noninterest income	$516,000	4,837
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$300,000	4,061
Trading account gains and fees	$0	180
Additional Noninterest Income	$216,000	4,616
Total noninterest expense	$2,731,000	4,558
Salaries and employee benefits	$1,283,000	4,947
Premises and equipment expense	$360,000	4,840
Additional noninterest expense	$1,088,000	3,728
Pre-tax net operating income	$956,000	5,377
Securities gains (losses)	$0	1,956
Applicable income taxes	$261,000	4,889
Income before extraordinary items	$695,000	5,442
Extraordinary gains, net	$0	38
Net income	$695,000	5,441
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	4,113
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$695,000	5,444
1999-12-31 (YTD Data)		Rank
Total interest income	$11,297,000	2,861
Total interest expense	$3,019,000	4,578
Net interest income	$8,278,000	2,123
Provision for loan and lease losses	$90,000	5,432
Total noninterest income	$1,037,000	3,005
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$739,000	1,795
Trading account gains and fees	$0	173
Additional Noninterest Income	$298,000	4,034
Total noninterest expense	$5,629,000	2,410
Salaries and employee benefits	$3,366,000	2,084
Premises and equipment expense	$506,000	3,729
Additional noninterest expense	$1,757,000	2,472
Pre-tax net operating income	$3,596,000	2,032
Securities gains (losses)	$2,000	2,566
Applicable income taxes	$1,270,000	1,819
Income before extraordinary items	$2,328,000	2,246
Extraordinary gains, net	$0	35
Net income	$2,328,000	2,247
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,038
Cash dividends	$393,000	4,014
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,326,700	2,225
1998-12-31 (YTD Data)		Rank
Total interest income	$10,468,000	3,087
Total interest expense	$3,366,000	4,298
Net interest income	$7,102,000	2,396
Provision for loan and lease losses	$83,000	5,519
Total noninterest income	$1,007,000	3,062
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$688,000	1,864
Trading account gains and fees	$0	224
Additional Noninterest Income	$319,000	3,890
Total noninterest expense	$5,009,000	2,610
Salaries and employee benefits	$2,756,000	2,453
Premises and equipment expense	$744,000	2,611
Additional noninterest expense	$1,509,000	2,755
Pre-tax net operating income	$3,017,000	2,362
Securities gains (losses)	$0	4,449
Applicable income taxes	$1,183,000	2,019
Income before extraordinary items	$1,834,000	2,752
Extraordinary gains, net	$0	32
Net income	$1,834,000	2,753
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	4,916
Cash dividends	$319,000	4,428
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,834,000	2,680
1997-12-31 (YTD Data)		Rank
Total interest income	$9,865,000	3,278
Total interest expense	$3,358,000	4,268
Net interest income	$6,507,000	2,675
Provision for loan and lease losses	$60,000	6,153
Total noninterest income	$824,000	3,505
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$608,000	2,155
Trading account gains and fees	$0	239
Additional Noninterest Income	$216,000	4,771
Total noninterest expense	$4,727,000	2,713
Salaries and employee benefits	$2,595,000	2,550
Premises and equipment expense	$855,000	2,297
Additional noninterest expense	$1,277,000	3,161
Pre-tax net operating income	$2,544,000	2,868
Securities gains (losses)	$0	3,944
Applicable income taxes	$994,000	2,449
Income before extraordinary items	$1,550,000	3,273
Extraordinary gains, net	$0	44
Net income	$1,550,000	3,273
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,314
Cash dividends	$223,000	5,177
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,550,000	3,195
1996-12-31 (YTD Data)		Rank
Total interest income	$8,833,000	3,671
Total interest expense	$3,295,000	4,410
Net interest income	$5,538,000	3,194
Provision for loan and lease losses	$60,000	6,086
Total noninterest income	$697,000	4,128
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$451,000	2,999
Trading account gains and fees	$0	262
Additional Noninterest Income	$246,000	4,581
Total noninterest expense	$4,163,000	3,228
Salaries and employee benefits	$2,499,000	2,702
Premises and equipment expense	$731,000	2,677
Additional noninterest expense	$933,000	4,637
Pre-tax net operating income	$2,012,000	3,406
Securities gains (losses)	$25,000	1,832
Applicable income taxes	$779,000	2,918
Income before extraordinary items	$1,258,000	3,719
Extraordinary gains, net	$0	53
Net income	$1,258,000	3,718
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	4,189
Cash dividends	$181,000	5,660
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,242,000	3,714
1995-12-31 (YTD Data)		Rank
Total interest income	$7,643,000	4,186
Total interest expense	$3,285,000	4,392
Net interest income	$4,358,000	4,015
Provision for loan and lease losses	$60,000	5,704
Total noninterest income	$541,000	4,905
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$420,000	3,204
Trading account gains and fees	$0	522
Additional Noninterest Income	$121,000	6,633
Total noninterest expense	$4,074,000	3,266
Salaries and employee benefits	$2,310,000	2,884
Premises and equipment expense	$720,000	2,738
Additional noninterest expense	$1,044,000	4,200
Pre-tax net operating income	$765,000	6,979
Securities gains (losses)	$0	3,831
Applicable income taxes	$96,000	9,254
Income before extraordinary items	$669,000	6,183
Extraordinary gains, net	$0	65
Net income	$669,000	6,181
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-101,000	11,719
Cash dividends	$148,000	6,139
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$669,000	6,162
1994-12-31 (YTD Data)		Rank
Total interest income	$6,508,000	4,520
Total interest expense	$2,114,000	5,357
Net interest income	$4,394,000	4,000
Provision for loan and lease losses	$235,000	2,747
Total noninterest income	$438,000	5,789
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$348,000	3,860
Trading account gains and fees	$0	475
Additional Noninterest Income	$90,000	7,838
Total noninterest expense	$4,390,000	3,136
Salaries and employee benefits	$2,198,000	3,011
Premises and equipment expense	$800,000	2,527
Additional noninterest expense	$1,392,000	3,553
Pre-tax net operating income	$207,000	10,840
Securities gains (losses)	$-2,000	9,023
Applicable income taxes	$0	11,630
Income before extraordinary items	$205,000	10,214
Extraordinary gains, net	$0	249
Net income	$205,000	10,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$296,000	1,917
Cash dividends	$128,000	6,417
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$207,000	10,241
1993-12-31 (YTD Data)		Rank
Total interest income	$6,433,000	4,655
Total interest expense	$2,074,000	5,668
Net interest income	$4,359,000	4,069
Provision for loan and lease losses	$176,000	4,253
Total noninterest income	$474,000	5,800
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$358,000	3,803
Trading account gains and fees	$0	532
Additional Noninterest Income	$116,000	7,420
Total noninterest expense	$3,803,000	3,645
Salaries and employee benefits	$1,876,000	3,480
Premises and equipment expense	$737,000	2,745
Additional noninterest expense	$1,190,000	4,216
Pre-tax net operating income	$855,000	6,548
Securities gains (losses)	$-27,000	12,977
Applicable income taxes	$152,000	8,594
Income before extraordinary items	$675,000	6,260
Extraordinary gains, net	$0	3,149
Net income	$675,000	6,435
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	4,534
Cash dividends	$65,000	7,609
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$697,140	5,857
1992-12-31 (YTD Data)		Rank
Total interest income	$6,783,000	4,962
Total interest expense	$2,816,000	5,455
Net interest income	$3,967,000	4,481
Provision for loan and lease losses	$174,000	5,685
Total noninterest income	$426,000	6,303
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$307,000	4,362
Trading account gains and fees	$0	504
Additional Noninterest Income	$119,000	7,481
Total noninterest expense	$3,814,000	3,648
Salaries and employee benefits	$1,846,000	3,460
Premises and equipment expense	$753,000	2,757
Additional noninterest expense	$1,215,000	4,298
Pre-tax net operating income	$405,000	9,197
Securities gains (losses)	$123,000	2,684
Applicable income taxes	$169,000	8,190
Income before extraordinary items	$359,000	8,627
Extraordinary gains, net	$0	1,422
Net income	$359,000	8,752
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$290,000	3,400
Cash dividends	$128,000	6,074
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$275,360	9,249

* 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.