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Mechanics' Savings Bank, Income and Expense

2019-12-31 (YTD Data)		Rank
Total interest income	$18,975,000	1,585
Total interest expense	$4,660,000	1,317
Net interest income	$14,315,000	1,666
Provision for loan and lease losses	$225,000	2,245
Total noninterest income	$1,192,000	2,583
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$196,000	3,191
Trading account gains and fees	NA	NA
Additional Noninterest Income	$996,000	2,250
Total noninterest expense	$10,947,000	1,781
Salaries and employee benefits	$2,700,000	3,106
Premises and equipment expense	$1,276,000	1,718
Additional noninterest expense	$6,971,000	972
Pre-tax net operating income	$4,335,000	1,948
Securities gains (losses)	$562,000	329
Applicable income taxes	$977,000	1,450
Income before extraordinary items	$3,920,000	1,916
Extraordinary gains, net	$0	11
Net income	$3,920,000	1,917
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,920,000	1,918
Net charge-offs	$32,000	2,892
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,470,400	2,057
2019-09-30 (YTD Data)		Rank
Total interest income	$14,320,000	1,594
Total interest expense	$3,520,000	1,323
Net interest income	$10,800,000	1,675
Provision for loan and lease losses	$162,000	2,189
Total noninterest income	$889,000	2,602
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$151,000	3,187
Trading account gains and fees	NA	NA
Additional Noninterest Income	$738,000	2,256
Total noninterest expense	$8,386,000	1,751
Salaries and employee benefits	$1,999,000	3,152
Premises and equipment expense	$970,000	1,712
Additional noninterest expense	$5,417,000	928
Pre-tax net operating income	$3,141,000	2,049
Securities gains (losses)	$439,000	339
Applicable income taxes	$713,000	1,517
Income before extraordinary items	$2,867,000	2,001
Extraordinary gains, net	$0	11
Net income	$2,867,000	2,001
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,867,000	2,002
Net charge-offs	$2,000	3,298
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,515,800	2,155
2019-06-30 (YTD Data)		Rank
Total interest income	$9,403,000	1,619
Total interest expense	$2,299,000	1,324
Net interest income	$7,104,000	1,699
Provision for loan and lease losses	$100,000	2,185
Total noninterest income	$544,000	2,694
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$110,000	3,089
Trading account gains and fees	NA	NA
Additional Noninterest Income	$434,000	2,368
Total noninterest expense	$5,665,000	1,745
Salaries and employee benefits	$1,326,000	3,175
Premises and equipment expense	$653,000	1,708
Additional noninterest expense	$3,686,000	923
Pre-tax net operating income	$1,883,000	2,172
Securities gains (losses)	$405,000	254
Applicable income taxes	$455,000	1,522
Income before extraordinary items	$1,833,000	2,043
Extraordinary gains, net	$0	11
Net income	$1,833,000	2,041
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,833,000	2,043
Net charge-offs	$16,000	2,438
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,509,000	2,290
2019-03-31 (YTD Data)		Rank
Total interest income	$4,642,000	1,629
Total interest expense	$1,078,000	1,353
Net interest income	$3,564,000	1,714
Provision for loan and lease losses	$50,000	2,037
Total noninterest income	$229,000	2,887
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$59,000	2,981
Trading account gains and fees	NA	NA
Additional Noninterest Income	$170,000	2,600
Total noninterest expense	$2,868,000	1,729
Salaries and employee benefits	$654,000	3,233
Premises and equipment expense	$388,000	1,496
Additional noninterest expense	$1,826,000	912
Pre-tax net operating income	$875,000	2,237
Securities gains (losses)	$308,000	153
Applicable income taxes	$236,000	1,449
Income before extraordinary items	$947,000	1,952
Extraordinary gains, net	$0	5
Net income	$947,000	1,950
Minority interest net income	$0	52
Net income of bank and minority interests.	$947,000	1,951
Net charge-offs	$7,000	2,096
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$700,600	2,353
2018-12-31 (YTD Data)		Rank
Total interest income	$18,073,000	1,584
Total interest expense	$3,547,000	1,249
Net interest income	$14,526,000	1,663
Provision for loan and lease losses	$-395,000	5,278
Total noninterest income	$1,030,000	2,826
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$235,000	3,108
Trading account gains and fees	NA	NA
Additional Noninterest Income	$795,000	2,507
Total noninterest expense	$10,873,000	1,769
Salaries and employee benefits	$2,654,000	3,177
Premises and equipment expense	$1,469,000	1,526
Additional noninterest expense	$6,750,000	992
Pre-tax net operating income	$5,078,000	1,764
Securities gains (losses)	$0	1,125
Applicable income taxes	$1,094,000	1,305
Income before extraordinary items	$3,984,000	1,921
Extraordinary gains, net	$0	6
Net income	$3,984,000	1,919
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,984,000	1,920
Net charge-offs	$136,000	1,931
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,984,000	1,912
2018-09-30 (YTD Data)		Rank
Total interest income	$13,427,000	1,577
Total interest expense	$2,571,000	1,224
Net interest income	$10,856,000	1,661
Provision for loan and lease losses	$-275,000	5,342
Total noninterest income	$754,000	2,882
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$173,000	3,147
Trading account gains and fees	NA	NA
Additional Noninterest Income	$581,000	2,562
Total noninterest expense	$8,368,000	1,728
Salaries and employee benefits	$2,035,000	3,134
Premises and equipment expense	$1,115,000	1,530
Additional noninterest expense	$5,218,000	952
Pre-tax net operating income	$3,517,000	1,882
Securities gains (losses)	$0	1,118
Applicable income taxes	$755,000	1,430
Income before extraordinary items	$2,762,000	2,022
Extraordinary gains, net	$0	5
Net income	$2,762,000	2,020
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,762,000	2,021
Net charge-offs	$122,000	1,582
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,762,000	2,014
2018-06-30 (YTD Data)		Rank
Total interest income	$8,875,000	1,572
Total interest expense	$1,662,000	1,197
Net interest income	$7,213,000	1,656
Provision for loan and lease losses	$-275,000	5,428
Total noninterest income	$461,000	2,990
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$102,000	3,305
Trading account gains and fees	NA	NA
Additional Noninterest Income	$359,000	2,669
Total noninterest expense	$5,563,000	1,751
Salaries and employee benefits	$1,351,000	3,155
Premises and equipment expense	$767,000	1,495
Additional noninterest expense	$3,445,000	954
Pre-tax net operating income	$2,386,000	1,842
Securities gains (losses)	$0	961
Applicable income taxes	$512,000	1,388
Income before extraordinary items	$1,874,000	1,975
Extraordinary gains, net	$0	6
Net income	$1,874,000	1,973
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,874,000	1,974
Net charge-offs	$35,000	1,952
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,874,000	1,964
2018-03-31 (YTD Data)		Rank
Total interest income	$4,365,000	1,580
Total interest expense	$774,000	1,204
Net interest income	$3,591,000	1,659
Provision for loan and lease losses	$-100,000	5,487
Total noninterest income	$215,000	3,068
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$50,000	3,351
Trading account gains and fees	NA	NA
Additional Noninterest Income	$165,000	2,712
Total noninterest expense	$2,881,000	1,698
Salaries and employee benefits	$821,000	2,855
Premises and equipment expense	$414,000	1,413
Additional noninterest expense	$1,646,000	985
Pre-tax net operating income	$1,025,000	2,007
Securities gains (losses)	$0	735
Applicable income taxes	$219,000	1,488
Income before extraordinary items	$806,000	2,160
Extraordinary gains, net	$0	7
Net income	$806,000	2,159
Minority interest net income	$0	52
Net income of bank and minority interests.	$806,000	2,160
Net charge-offs	$21,000	1,639
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$806,000	2,146
2017-12-31 (YTD Data)		Rank
Total interest income	$16,667,000	1,603
Total interest expense	$2,667,000	1,212
Net interest income	$14,000,000	1,664
Provision for loan and lease losses	$-23,000	5,307
Total noninterest income	$912,000	3,082
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$220,000	3,325
Trading account gains and fees	NA	NA
Additional Noninterest Income	$692,000	2,741
Total noninterest expense	$10,935,000	1,755
Salaries and employee benefits	$3,352,000	2,788
Premises and equipment expense	$1,510,000	1,517
Additional noninterest expense	$6,073,000	1,068
Pre-tax net operating income	$4,000,000	2,038
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,525,000	1,525
Income before extraordinary items	$2,475,000	2,342
Extraordinary gains, net	$0	9
Net income	$2,475,000	2,342
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,475,000	2,342
Net charge-offs	$222,000	1,742
Cash dividends	$100,000	3,887
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,475,000	2,314
2017-09-30 (YTD Data)		Rank
Total interest income	$12,378,000	1,615
Total interest expense	$1,962,000	1,215
Net interest income	$10,416,000	1,684
Provision for loan and lease losses	$90,000	2,745
Total noninterest income	$708,000	3,057
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$166,000	3,344
Trading account gains and fees	NA	NA
Additional Noninterest Income	$542,000	2,713
Total noninterest expense	$8,155,000	1,768
Salaries and employee benefits	$2,456,000	2,846
Premises and equipment expense	$1,122,000	1,528
Additional noninterest expense	$4,577,000	1,062
Pre-tax net operating income	$2,879,000	2,130
Securities gains (losses)	$0	2,274
Applicable income taxes	$988,000	1,473
Income before extraordinary items	$1,891,000	2,496
Extraordinary gains, net	$0	9
Net income	$1,891,000	2,496
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,891,000	2,496
Net charge-offs	$119,000	1,787
Cash dividends	$100,000	3,397
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,891,000	2,479
2017-06-30 (YTD Data)		Rank
Total interest income	$8,187,000	1,607
Total interest expense	$1,284,000	1,191
Net interest income	$6,903,000	1,679
Provision for loan and lease losses	$90,000	2,313
Total noninterest income	$485,000	3,012
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$112,000	3,325
Trading account gains and fees	NA	NA
Additional Noninterest Income	$373,000	2,674
Total noninterest expense	$5,396,000	1,789
Salaries and employee benefits	$3,281,000	1,694
Premises and equipment expense	$755,000	1,521
Additional noninterest expense	$1,360,000	2,088
Pre-tax net operating income	$1,902,000	2,105
Securities gains (losses)	$0	1,906
Applicable income taxes	$652,000	1,469
Income before extraordinary items	$1,250,000	2,458
Extraordinary gains, net	$0	11
Net income	$1,250,000	2,457
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,250,000	2,458
Net charge-offs	$40,000	2,153
Cash dividends	$100,000	3,181
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,250,000	2,437
2017-03-31 (YTD Data)		Rank
Total interest income	$4,022,000	1,618
Total interest expense	$624,000	1,191
Net interest income	$3,398,000	1,698
Provision for loan and lease losses	$90,000	1,522
Total noninterest income	$231,000	3,088
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$58,000	3,278
Trading account gains and fees	NA	NA
Additional Noninterest Income	$173,000	2,748
Total noninterest expense	$2,606,000	1,860
Salaries and employee benefits	$1,556,000	1,784
Premises and equipment expense	$384,000	1,517
Additional noninterest expense	$666,000	2,122
Pre-tax net operating income	$933,000	2,049
Securities gains (losses)	$0	1,153
Applicable income taxes	$313,000	1,460
Income before extraordinary items	$620,000	2,384
Extraordinary gains, net	$0	8
Net income	$620,000	2,383
Minority interest net income	$0	55
Net income of bank and minority interests.	$620,000	2,384
Net charge-offs	$18,000	1,942
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$620,000	2,363
2016-12-31 (YTD Data)		Rank
Total interest income	$16,388,000	1,547
Total interest expense	$2,406,000	1,199
Net interest income	$13,982,000	1,609
Provision for loan and lease losses	$-150,000	5,615
Total noninterest income	$949,000	3,118
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$228,000	3,408
Trading account gains and fees	$0	170
Additional Noninterest Income	$721,000	2,790
Total noninterest expense	$10,799,000	1,773
Salaries and employee benefits	$6,603,000	1,645
Premises and equipment expense	$1,409,000	1,609
Additional noninterest expense	$2,787,000	2,103
Pre-tax net operating income	$4,282,000	1,839
Securities gains (losses)	$22,000	2,312
Applicable income taxes	$1,487,000	1,271
Income before extraordinary items	$2,817,000	2,203
Extraordinary gains, net	$0	5
Net income	$2,817,000	2,201
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,817,000	2,202
Net charge-offs	$291,000	1,555
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,802,700	2,160
2016-09-30 (YTD Data)		Rank
Total interest income	$12,291,000	1,549
Total interest expense	$1,795,000	1,199
Net interest income	$10,496,000	1,598
Provision for loan and lease losses	$0	4,186
Total noninterest income	$725,000	3,097
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$182,000	3,329
Trading account gains and fees	$0	169
Additional Noninterest Income	$543,000	2,789
Total noninterest expense	$8,028,000	1,781
Salaries and employee benefits	$4,872,000	1,665
Premises and equipment expense	$1,011,000	1,685
Additional noninterest expense	$2,145,000	2,056
Pre-tax net operating income	$3,193,000	1,869
Securities gains (losses)	$22,000	2,256
Applicable income taxes	$1,104,000	1,313
Income before extraordinary items	$2,111,000	2,252
Extraordinary gains, net	$0	5
Net income	$2,111,000	2,251
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,111,000	2,252
Net charge-offs	$289,000	1,168
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,096,480	2,199
2016-06-30 (YTD Data)		Rank
Total interest income	$8,230,000	1,542
Total interest expense	$1,181,000	1,214
Net interest income	$7,049,000	1,591
Provision for loan and lease losses	$15,000	3,638
Total noninterest income	$480,000	3,106
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$121,000	3,326
Trading account gains and fees	$0	157
Additional Noninterest Income	$359,000	2,795
Total noninterest expense	$5,390,000	1,779
Salaries and employee benefits	$3,306,000	1,636
Premises and equipment expense	$654,000	1,720
Additional noninterest expense	$1,430,000	2,068
Pre-tax net operating income	$2,124,000	1,845
Securities gains (losses)	$12,000	2,186
Applicable income taxes	$735,000	1,315
Income before extraordinary items	$1,401,000	2,242
Extraordinary gains, net	$0	16
Net income	$1,401,000	2,241
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,401,000	2,241
Net charge-offs	$251,000	982
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,393,080	2,184
2016-03-31 (YTD Data)		Rank
Total interest income	$4,102,000	1,549
Total interest expense	$593,000	1,201
Net interest income	$3,509,000	1,603
Provision for loan and lease losses	$205,000	944
Total noninterest income	$259,000	2,957
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$62,000	3,264
Trading account gains and fees	$0	142
Additional Noninterest Income	$197,000	2,636
Total noninterest expense	$2,678,000	1,794
Salaries and employee benefits	$1,629,000	1,677
Premises and equipment expense	$330,000	1,732
Additional noninterest expense	$719,000	2,034
Pre-tax net operating income	$885,000	2,109
Securities gains (losses)	$1,000	1,958
Applicable income taxes	$305,000	1,461
Income before extraordinary items	$581,000	2,491
Extraordinary gains, net	$0	12
Net income	$581,000	2,491
Minority interest net income	$0	62
Net income of bank and minority interests.	$581,000	2,491
Net charge-offs	$111,000	955
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$580,340	2,446
2015-12-31 (YTD Data)		Rank
Total interest income	$16,054,000	1,538
Total interest expense	$2,192,000	1,267
Net interest income	$13,862,000	1,580
Provision for loan and lease losses	$620,000	1,158
Total noninterest income	$1,110,000	2,905
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$267,000	3,245
Trading account gains and fees	$0	159
Additional Noninterest Income	$843,000	2,588
Total noninterest expense	$10,985,000	1,727
Salaries and employee benefits	$6,435,000	1,637
Premises and equipment expense	$1,408,000	1,624
Additional noninterest expense	$3,142,000	1,922
Pre-tax net operating income	$3,367,000	2,131
Securities gains (losses)	$17,000	2,325
Applicable income taxes	$1,156,000	1,459
Income before extraordinary items	$2,228,000	2,531
Extraordinary gains, net	$0	23
Net income	$2,228,000	2,533
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,228,000	2,533
Net charge-offs	$1,016,000	683
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,216,780	2,492
2015-09-30 (YTD Data)		Rank
Total interest income	$12,009,000	1,557
Total interest expense	$1,623,000	1,295
Net interest income	$10,386,000	1,594
Provision for loan and lease losses	$583,000	930
Total noninterest income	$931,000	2,758
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$201,000	3,259
Trading account gains and fees	$0	153
Additional Noninterest Income	$730,000	2,431
Total noninterest expense	$8,484,000	1,691
Salaries and employee benefits	$4,695,000	1,690
Premises and equipment expense	$1,065,000	1,622
Additional noninterest expense	$2,724,000	1,668
Pre-tax net operating income	$2,250,000	2,358
Securities gains (losses)	$17,000	2,096
Applicable income taxes	$783,000	1,607
Income before extraordinary items	$1,484,000	2,796
Extraordinary gains, net	$0	21
Net income	$1,484,000	2,796
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,484,000	2,797
Net charge-offs	$970,000	510
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,472,950	2,759
2015-06-30 (YTD Data)		Rank
Total interest income	$7,966,000	1,568
Total interest expense	$1,076,000	1,302
Net interest income	$6,890,000	1,604
Provision for loan and lease losses	$448,000	865
Total noninterest income	$682,000	2,657
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$131,000	3,275
Trading account gains and fees	$0	157
Additional Noninterest Income	$551,000	2,305
Total noninterest expense	$5,856,000	1,654
Salaries and employee benefits	$3,199,000	1,660
Premises and equipment expense	$736,000	1,577
Additional noninterest expense	$1,921,000	1,588
Pre-tax net operating income	$1,268,000	2,633
Securities gains (losses)	$17,000	1,788
Applicable income taxes	$446,000	1,738
Income before extraordinary items	$839,000	3,084
Extraordinary gains, net	$0	22
Net income	$839,000	3,084
Minority interest net income	$0	75
Net income of bank and minority interests.	$839,000	3,085
Net charge-offs	$549,000	592
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$827,950	3,050
2015-03-31 (YTD Data)		Rank
Total interest income	$3,999,000	1,551
Total interest expense	$527,000	1,332
Net interest income	$3,472,000	1,594
Provision for loan and lease losses	$100,000	1,425
Total noninterest income	$391,000	2,429
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$65,000	3,257
Trading account gains and fees	$0	152
Additional Noninterest Income	$326,000	2,011
Total noninterest expense	$2,909,000	1,669
Salaries and employee benefits	$1,615,000	1,654
Premises and equipment expense	$373,000	1,590
Additional noninterest expense	$921,000	1,634
Pre-tax net operating income	$854,000	2,108
Securities gains (losses)	$17,000	1,294
Applicable income taxes	$303,000	1,431
Income before extraordinary items	$568,000	2,493
Extraordinary gains, net	$0	13
Net income	$568,000	2,496
Minority interest net income	$0	64
Net income of bank and minority interests.	$568,000	2,495
Net charge-offs	$242,000	638
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$556,950	2,452
2014-12-31 (YTD Data)		Rank
Total interest income	$16,122,000	1,541
Total interest expense	$2,226,000	1,306
Net interest income	$13,896,000	1,587
Provision for loan and lease losses	$960,000	900
Total noninterest income	$629,000	3,914
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$256,000	3,498
Trading account gains and fees	$0	180
Additional Noninterest Income	$373,000	3,703
Total noninterest expense	$10,420,000	1,825
Salaries and employee benefits	$6,279,000	1,656
Premises and equipment expense	$1,464,000	1,602
Additional noninterest expense	$2,677,000	2,261
Pre-tax net operating income	$3,145,000	2,196
Securities gains (losses)	$95,000	1,289
Applicable income taxes	$1,153,000	1,404
Income before extraordinary items	$2,087,000	2,625
Extraordinary gains, net	$0	17
Net income	$2,087,000	2,623
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,087,000	2,625
Net charge-offs	$825,000	1,047
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,026,200	2,637
2014-09-30 (YTD Data)		Rank
Total interest income	$12,054,000	1,556
Total interest expense	$1,673,000	1,309
Net interest income	$10,381,000	1,596
Provision for loan and lease losses	$850,000	772
Total noninterest income	$439,000	4,069
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$191,000	3,544
Trading account gains and fees	$0	174
Additional Noninterest Income	$248,000	3,920
Total noninterest expense	$7,350,000	1,936
Salaries and employee benefits	$4,578,000	1,695
Premises and equipment expense	$909,000	1,917
Additional noninterest expense	$1,863,000	2,413
Pre-tax net operating income	$2,620,000	2,071
Securities gains (losses)	$95,000	1,031
Applicable income taxes	$946,000	1,361
Income before extraordinary items	$1,769,000	2,427
Extraordinary gains, net	$0	15
Net income	$1,769,000	2,428
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,769,000	2,427
Net charge-offs	$592,000	1,018
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,707,250	2,454
2014-06-30 (YTD Data)		Rank
Total interest income	$7,931,000	1,567
Total interest expense	$1,113,000	1,330
Net interest income	$6,818,000	1,613
Provision for loan and lease losses	$450,000	910
Total noninterest income	$256,000	4,291
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$125,000	3,569
Trading account gains and fees	$0	172
Additional Noninterest Income	$131,000	4,213
Total noninterest expense	$4,714,000	2,013
Salaries and employee benefits	$2,940,000	1,758
Premises and equipment expense	$616,000	1,900
Additional noninterest expense	$1,158,000	2,571
Pre-tax net operating income	$1,910,000	1,888
Securities gains (losses)	$66,000	1,015
Applicable income taxes	$689,000	1,267
Income before extraordinary items	$1,287,000	2,222
Extraordinary gains, net	$0	20
Net income	$1,287,000	2,226
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,287,000	2,225
Net charge-offs	$420,000	996
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,244,100	2,232
2014-03-31 (YTD Data)		Rank
Total interest income	$3,982,000	1,554
Total interest expense	$548,000	1,383
Net interest income	$3,434,000	1,594
Provision for loan and lease losses	$250,000	826
Total noninterest income	$169,000	3,769
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$58,000	3,686
Trading account gains and fees	$0	147
Additional Noninterest Income	$111,000	3,417
Total noninterest expense	$2,603,000	1,822
Salaries and employee benefits	$1,438,000	1,802
Premises and equipment expense	$319,000	1,876
Additional noninterest expense	$846,000	1,797
Pre-tax net operating income	$750,000	2,204
Securities gains (losses)	$42,000	714
Applicable income taxes	$276,000	1,415
Income before extraordinary items	$516,000	2,505
Extraordinary gains, net	$0	16
Net income	$516,000	2,508
Minority interest net income	$0	66
Net income of bank and minority interests.	$516,000	2,508
Net charge-offs	$161,000	1,076
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$488,700	2,571
2013-12-31 (YTD Data)		Rank
Total interest income	$15,679,000	1,593
Total interest expense	$2,539,000	1,335
Net interest income	$13,140,000	1,642
Provision for loan and lease losses	$-2,031,000	6,729
Total noninterest income	$585,000	4,167
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$241,000	3,771
Trading account gains and fees	$0	184
Additional Noninterest Income	$344,000	3,902
Total noninterest expense	$11,580,000	1,667
Salaries and employee benefits	$6,570,000	1,578
Premises and equipment expense	$1,179,000	1,950
Additional noninterest expense	$3,831,000	1,667
Pre-tax net operating income	$4,176,000	1,666
Securities gains (losses)	$48,000	1,821
Applicable income taxes	$1,461,000	1,144
Income before extraordinary items	$2,763,000	2,019
Extraordinary gains, net	$0	29
Net income	$2,763,000	2,022
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,763,000	2,023
Net charge-offs	$1,744,000	838
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,731,800	1,988
2013-09-30 (YTD Data)		Rank
Total interest income	$11,756,000	1,609
Total interest expense	$1,969,000	1,333
Net interest income	$9,787,000	1,660
Provision for loan and lease losses	$707,000	1,175
Total noninterest income	$587,000	3,715
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$80,000	5,214
Trading account gains and fees	$0	180
Additional Noninterest Income	$507,000	2,997
Total noninterest expense	$7,945,000	1,809
Salaries and employee benefits	$4,520,000	1,710
Premises and equipment expense	$860,000	2,009
Additional noninterest expense	$2,565,000	1,846
Pre-tax net operating income	$1,722,000	2,684
Securities gains (losses)	$34,000	1,913
Applicable income taxes	$620,000	1,700
Income before extraordinary items	$1,136,000	3,177
Extraordinary gains, net	$0	25
Net income	$1,136,000	3,180
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,136,000	3,181
Net charge-offs	$4,165,000	316
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,113,900	3,150
2013-06-30 (YTD Data)		Rank
Total interest income	$7,719,000	1,627
Total interest expense	$1,381,000	1,293
Net interest income	$6,338,000	1,688
Provision for loan and lease losses	$632,000	945
Total noninterest income	$400,000	3,716
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$52,000	5,236
Trading account gains and fees	$0	157
Additional Noninterest Income	$348,000	2,996
Total noninterest expense	$4,956,000	1,923
Salaries and employee benefits	$2,948,000	1,751
Premises and equipment expense	$577,000	2,001
Additional noninterest expense	$1,431,000	2,167
Pre-tax net operating income	$1,150,000	2,654
Securities gains (losses)	$11,000	2,258
Applicable income taxes	$411,000	1,713
Income before extraordinary items	$750,000	3,189
Extraordinary gains, net	$0	22
Net income	$750,000	3,191
Minority interest net income	$0	82
Net income of bank and minority interests.	$750,000	3,192
Net charge-offs	$4,034,000	242
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$742,850	3,111
2013-03-31 (YTD Data)		Rank
Total interest income	$3,866,000	1,640
Total interest expense	$709,000	1,298
Net interest income	$3,157,000	1,707
Provision for loan and lease losses	$432,000	765
Total noninterest income	$253,000	3,253
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$25,000	5,295
Trading account gains and fees	$0	148
Additional Noninterest Income	$228,000	2,587
Total noninterest expense	$2,342,000	2,043
Salaries and employee benefits	$1,490,000	1,754
Premises and equipment expense	$287,000	2,042
Additional noninterest expense	$565,000	2,688
Pre-tax net operating income	$636,000	2,446
Securities gains (losses)	$0	1,966
Applicable income taxes	$224,000	1,605
Income before extraordinary items	$412,000	2,970
Extraordinary gains, net	$0	10
Net income	$412,000	2,970
Minority interest net income	$0	76
Net income of bank and minority interests.	$412,000	2,972
Net charge-offs	$3,807,000	151
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$412,000	2,890
2012-12-31 (YTD Data)		Rank
Total interest income	$15,847,000	1,673
Total interest expense	$3,130,000	1,421
Net interest income	$12,717,000	1,730
Provision for loan and lease losses	$1,150,000	1,621
Total noninterest income	$1,185,000	2,987
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$97,000	5,488
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,088,000	2,269
Total noninterest expense	$10,147,000	1,885
Salaries and employee benefits	$5,818,000	1,746
Premises and equipment expense	$1,042,000	2,203
Additional noninterest expense	$3,287,000	1,991
Pre-tax net operating income	$2,605,000	2,337
Securities gains (losses)	$225,000	1,598
Applicable income taxes	$1,041,000	1,439
Income before extraordinary items	$1,789,000	2,799
Extraordinary gains, net	$0	29
Net income	$1,789,000	2,802
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,789,000	2,801
Net charge-offs	$1,180,000	1,647
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,645,000	2,823
2012-09-30 (YTD Data)		Rank
Total interest income	$11,998,000	1,683
Total interest expense	$2,401,000	1,454
Net interest income	$9,597,000	1,741
Provision for loan and lease losses	$250,000	3,206
Total noninterest income	$949,000	2,881
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$72,000	5,575
Trading account gains and fees	$0	157
Additional Noninterest Income	$877,000	2,164
Total noninterest expense	$8,081,000	1,781
Salaries and employee benefits	$4,468,000	1,683
Premises and equipment expense	$781,000	2,230
Additional noninterest expense	$2,832,000	1,756
Pre-tax net operating income	$2,215,000	2,167
Securities gains (losses)	$224,000	1,343
Applicable income taxes	$854,000	1,380
Income before extraordinary items	$1,585,000	2,535
Extraordinary gains, net	$0	20
Net income	$1,585,000	2,536
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,585,000	2,536
Net charge-offs	$506,000	2,175
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,439,400	2,589
2012-06-30 (YTD Data)		Rank
Total interest income	$8,077,000	1,683
Total interest expense	$1,648,000	1,465
Net interest income	$6,429,000	1,734
Provision for loan and lease losses	$0	5,619
Total noninterest income	$628,000	2,855
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$48,000	5,582
Trading account gains and fees	$0	153
Additional Noninterest Income	$580,000	2,144
Total noninterest expense	$5,604,000	1,730
Salaries and employee benefits	$3,006,000	1,666
Premises and equipment expense	$548,000	2,109
Additional noninterest expense	$2,050,000	1,635
Pre-tax net operating income	$1,453,000	2,187
Securities gains (losses)	$44,000	2,133
Applicable income taxes	$524,000	1,451
Income before extraordinary items	$973,000	2,668
Extraordinary gains, net	$0	19
Net income	$973,000	2,668
Minority interest net income	$0	84
Net income of bank and minority interests.	$973,000	2,668
Net charge-offs	$413,000	1,966
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$944,400	2,586
2012-03-31 (YTD Data)		Rank
Total interest income	$4,019,000	1,704
Total interest expense	$859,000	1,457
Net interest income	$3,160,000	1,770
Provision for loan and lease losses	$0	5,254
Total noninterest income	$232,000	3,368
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$24,000	5,577
Trading account gains and fees	$0	148
Additional Noninterest Income	$208,000	2,594
Total noninterest expense	$2,927,000	1,653
Salaries and employee benefits	$1,461,000	1,721
Premises and equipment expense	$283,000	2,074
Additional noninterest expense	$1,183,000	1,427
Pre-tax net operating income	$465,000	3,016
Securities gains (losses)	$0	2,210
Applicable income taxes	$163,000	1,938
Income before extraordinary items	$302,000	3,643
Extraordinary gains, net	$0	19
Net income	$302,000	3,646
Minority interest net income	$0	78
Net income of bank and minority interests.	$302,000	3,646
Net charge-offs	$563,000	1,011
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$302,000	3,476
2011-12-31 (YTD Data)		Rank
Total interest income	$16,742,000	1,691
Total interest expense	$3,949,000	1,536
Net interest income	$12,793,000	1,755
Provision for loan and lease losses	$781,000	2,776
Total noninterest income	$1,015,000	3,090
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$85,000	5,739
Trading account gains and fees	$0	146
Additional Noninterest Income	$930,000	2,237
Total noninterest expense	$10,628,000	1,813
Salaries and employee benefits	$5,579,000	1,734
Premises and equipment expense	$1,100,000	2,206
Additional noninterest expense	$3,949,000	1,720
Pre-tax net operating income	$2,399,000	2,185
Securities gains (losses)	$23,000	3,024
Applicable income taxes	$786,000	1,576
Income before extraordinary items	$1,636,000	2,602
Extraordinary gains, net	$0	29
Net income	$1,636,000	2,603
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,636,000	2,603
Net charge-offs	$1,540,000	1,834
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,620,360	2,546
2011-09-30 (YTD Data)		Rank
Total interest income	$12,560,000	1,707
Total interest expense	$3,026,000	1,563
Net interest income	$9,534,000	1,768
Provision for loan and lease losses	$750,000	2,344
Total noninterest income	$827,000	2,942
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$61,000	5,818
Trading account gains and fees	$0	145
Additional Noninterest Income	$766,000	2,105
Total noninterest expense	$7,750,000	1,859
Salaries and employee benefits	$4,114,000	1,771
Premises and equipment expense	$821,000	2,238
Additional noninterest expense	$2,815,000	1,806
Pre-tax net operating income	$1,861,000	2,203
Securities gains (losses)	$0	3,555
Applicable income taxes	$587,000	1,597
Income before extraordinary items	$1,274,000	2,614
Extraordinary gains, net	$0	21
Net income	$1,274,000	2,616
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,274,000	2,616
Net charge-offs	$919,000	1,985
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,274,000	2,527
2011-06-30 (YTD Data)		Rank
Total interest income	$8,326,000	1,746
Total interest expense	$2,065,000	1,582
Net interest income	$6,261,000	1,785
Provision for loan and lease losses	$750,000	1,800
Total noninterest income	$524,000	3,023
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$36,000	5,964
Trading account gains and fees	$0	153
Additional Noninterest Income	$488,000	2,141
Total noninterest expense	$5,154,000	1,873
Salaries and employee benefits	$2,764,000	1,774
Premises and equipment expense	$565,000	2,212
Additional noninterest expense	$1,825,000	1,869
Pre-tax net operating income	$881,000	2,752
Securities gains (losses)	$0	2,914
Applicable income taxes	$237,000	2,041
Income before extraordinary items	$644,000	3,064
Extraordinary gains, net	$0	15
Net income	$644,000	3,067
Minority interest net income	$0	89
Net income of bank and minority interests.	$644,000	3,067
Net charge-offs	$632,000	1,899
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$644,000	2,974
2011-03-31 (YTD Data)		Rank
Total interest income	$4,105,000	1,766
Total interest expense	$1,022,000	1,658
Net interest income	$3,083,000	1,806
Provision for loan and lease losses	$450,000	1,516
Total noninterest income	$302,000	2,815
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$12,000	6,371
Trading account gains and fees	$0	158
Additional Noninterest Income	$290,000	1,953
Total noninterest expense	$2,687,000	1,832
Salaries and employee benefits	$1,412,000	1,750
Premises and equipment expense	$338,000	1,912
Additional noninterest expense	$937,000	1,806
Pre-tax net operating income	$248,000	3,847
Securities gains (losses)	$0	1,772
Applicable income taxes	$20,000	3,446
Income before extraordinary items	$228,000	3,745
Extraordinary gains, net	$0	9
Net income	$228,000	3,746
Minority interest net income	$0	86
Net income of bank and minority interests.	$228,000	3,745
Net charge-offs	$89,000	2,851
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$228,000	3,688
2010-12-31 (YTD Data)		Rank
Total interest income	$16,230,000	1,862
Total interest expense	$4,278,000	1,880
Net interest income	$11,952,000	1,837
Provision for loan and lease losses	$1,777,000	2,236
Total noninterest income	$1,261,000	2,827
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$142,000	5,006
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,119,000	2,047
Total noninterest expense	$9,945,000	1,960
Salaries and employee benefits	$5,159,000	1,886
Premises and equipment expense	$1,168,000	2,156
Additional noninterest expense	$3,618,000	1,959
Pre-tax net operating income	$1,491,000	2,733
Securities gains (losses)	$0	3,793
Applicable income taxes	$528,000	1,829
Income before extraordinary items	$963,000	3,289
Extraordinary gains, net	$0	29
Net income	$963,000	3,286
Minority interest net income	$0	111
Net income of bank and minority interests.	$963,000	3,289
Net charge-offs	$934,000	2,782
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$963,000	3,157
2010-09-30 (YTD Data)		Rank
Total interest income	$12,051,000	1,920
Total interest expense	$3,240,000	1,924
Net interest income	$8,811,000	1,902
Provision for loan and lease losses	$935,000	2,604
Total noninterest income	$921,000	2,892
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$113,000	4,974
Trading account gains and fees	$0	165
Additional Noninterest Income	$808,000	2,056
Total noninterest expense	$7,686,000	1,901
Salaries and employee benefits	$3,744,000	1,935
Premises and equipment expense	$865,000	2,226
Additional noninterest expense	$3,077,000	1,726
Pre-tax net operating income	$1,111,000	2,910
Securities gains (losses)	$0	3,651
Applicable income taxes	$394,000	1,889
Income before extraordinary items	$717,000	3,472
Extraordinary gains, net	$0	23
Net income	$717,000	3,470
Minority interest net income	$0	110
Net income of bank and minority interests.	$717,000	3,472
Net charge-offs	$586,000	2,858
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$717,000	3,340
2010-06-30 (YTD Data)		Rank
Total interest income	$7,974,000	1,959
Total interest expense	$2,193,000	1,981
Net interest income	$5,781,000	1,928
Provision for loan and lease losses	$585,000	2,631
Total noninterest income	$638,000	2,750
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$84,000	4,793
Trading account gains and fees	$0	152
Additional Noninterest Income	$554,000	1,969
Total noninterest expense	$4,929,000	1,982
Salaries and employee benefits	$2,492,000	1,952
Premises and equipment expense	$589,000	2,189
Additional noninterest expense	$1,848,000	1,879
Pre-tax net operating income	$905,000	2,568
Securities gains (losses)	$0	3,184
Applicable income taxes	$325,000	1,657
Income before extraordinary items	$580,000	3,131
Extraordinary gains, net	$0	19
Net income	$580,000	3,126
Minority interest net income	$0	105
Net income of bank and minority interests.	$580,000	3,129
Net charge-offs	$423,000	2,634
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$580,000	3,026
2010-03-31 (YTD Data)		Rank
Total interest income	$4,022,000	1,991
Total interest expense	$1,118,000	2,050
Net interest income	$2,904,000	1,954
Provision for loan and lease losses	$461,000	1,897
Total noninterest income	$272,000	3,051
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$61,000	4,097
Trading account gains and fees	$0	175
Additional Noninterest Income	$211,000	2,313
Total noninterest expense	$2,395,000	2,052
Salaries and employee benefits	$1,234,000	1,996
Premises and equipment expense	$296,000	2,227
Additional noninterest expense	$865,000	1,965
Pre-tax net operating income	$320,000	3,254
Securities gains (losses)	$0	2,284
Applicable income taxes	$114,000	1,996
Income before extraordinary items	$206,000	3,822
Extraordinary gains, net	$0	16
Net income	$206,000	3,819
Minority interest net income	$0	91
Net income of bank and minority interests.	$206,000	3,821
Net charge-offs	$91,000	3,183
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$206,000	3,698
2009-12-31 (YTD Data)		Rank
Total interest income	$16,519,000	2,061
Total interest expense	$5,435,000	2,095
Net interest income	$11,084,000	1,991
Provision for loan and lease losses	$3,378,000	1,830
Total noninterest income	$2,553,000	1,799
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$268,000	4,094
Trading account gains and fees	$0	211
Additional Noninterest Income	$2,285,000	1,248
Total noninterest expense	$9,902,000	2,044
Salaries and employee benefits	$5,068,000	1,947
Premises and equipment expense	$1,155,000	2,291
Additional noninterest expense	$3,679,000	1,990
Pre-tax net operating income	$357,000	4,347
Securities gains (losses)	$151,000	1,788
Applicable income taxes	$186,000	2,442
Income before extraordinary items	$322,000	4,403
Extraordinary gains, net	$0	34
Net income	$322,000	4,404
Minority interest net income	$0	115
Net income of bank and minority interests.	$322,000	4,405
Net charge-offs	$1,227,000	2,620
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$225,360	4,657
2009-09-30 (YTD Data)		Rank
Total interest income	$12,294,000	2,104
Total interest expense	$4,242,000	2,102
Net interest income	$8,052,000	2,046
Provision for loan and lease losses	$2,230,000	1,777
Total noninterest income	$2,018,000	1,766
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$197,000	4,145
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,821,000	1,234
Total noninterest expense	$7,534,000	2,002
Salaries and employee benefits	$3,787,000	1,962
Premises and equipment expense	$884,000	2,275
Additional noninterest expense	$2,863,000	1,861
Pre-tax net operating income	$306,000	4,508
Securities gains (losses)	$151,000	1,503
Applicable income taxes	$166,000	2,493
Income before extraordinary items	$291,000	4,465
Extraordinary gains, net	$0	27
Net income	$291,000	4,463
Minority interest net income	$0	118
Net income of bank and minority interests.	$291,000	4,465
Net charge-offs	$1,083,000	2,117
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$194,360	4,817
2009-06-30 (YTD Data)		Rank
Total interest income	$8,329,000	2,111
Total interest expense	$2,953,000	2,122
Net interest income	$5,376,000	2,038
Provision for loan and lease losses	$1,475,000	1,664
Total noninterest income	$1,609,000	1,563
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$123,000	4,258
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,486,000	1,106
Total noninterest expense	$5,281,000	1,931
Salaries and employee benefits	$2,671,000	1,893
Premises and equipment expense	$530,000	2,515
Additional noninterest expense	$2,080,000	1,749
Pre-tax net operating income	$229,000	4,481
Securities gains (losses)	$151,000	1,202
Applicable income taxes	$138,000	2,347
Income before extraordinary items	$242,000	4,293
Extraordinary gains, net	$0	21
Net income	$242,000	4,292
Minority interest net income	$0	112
Net income of bank and minority interests.	$242,000	4,292
Net charge-offs	$795,000	1,842
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$145,360	4,810
2009-03-31 (YTD Data)		Rank
Total interest income	$4,229,000	2,100
Total interest expense	$1,515,000	2,150
Net interest income	$2,714,000	2,015
Provision for loan and lease losses	$618,000	1,569
Total noninterest income	$768,000	1,594
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$59,000	4,277
Trading account gains and fees	$0	171
Additional Noninterest Income	$709,000	1,108
Total noninterest expense	$2,810,000	1,759
Salaries and employee benefits	$1,410,000	1,844
Premises and equipment expense	$284,000	2,411
Additional noninterest expense	$1,116,000	1,457
Pre-tax net operating income	$54,000	5,575
Securities gains (losses)	$19,000	1,701
Applicable income taxes	$29,000	3,309
Income before extraordinary items	$44,000	5,781
Extraordinary gains, net	$0	15
Net income	$44,000	5,784
Minority interest net income	$0	102
Net income of bank and minority interests.	$44,000	5,784
Net charge-offs	$364,000	1,624
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$31,840	5,809
2008-12-31 (YTD Data)		Rank
Total interest income	$17,543,000	2,161
Total interest expense	$7,480,000	2,087
Net interest income	$10,063,000	2,209
Provision for loan and lease losses	$3,559,000	1,252
Total noninterest income	$607,000	4,447
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$234,000	4,498
Trading account gains and fees	$-523,000	8,235
Additional Noninterest Income	$896,000	2,293
Total noninterest expense	$9,119,000	2,109
Salaries and employee benefits	$4,592,000	2,213
Premises and equipment expense	$1,072,000	2,468
Additional noninterest expense	$3,455,000	1,769
Pre-tax net operating income	$-2,008,000	7,360
Securities gains (losses)	$2,127,000	117
Applicable income taxes	$12,000	4,478
Income before extraordinary items	$107,000	5,839
Extraordinary gains, net	$0	39
Net income	$107,000	5,840
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,280,000	1,709
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-1,807,300	7,422
2008-09-30 (YTD Data)		Rank
Total interest income	$13,205,000	2,205
Total interest expense	$5,799,000	2,105
Net interest income	$7,406,000	2,265
Provision for loan and lease losses	$2,929,000	919
Total noninterest income	$387,000	4,884
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$163,000	4,668
Trading account gains and fees	$-523,000	8,325
Additional Noninterest Income	$747,000	2,215
Total noninterest expense	$6,755,000	2,128
Salaries and employee benefits	$3,443,000	2,240
Premises and equipment expense	$802,000	2,481
Additional noninterest expense	$2,510,000	1,771
Pre-tax net operating income	$-1,891,000	7,838
Securities gains (losses)	$2,502,000	98
Applicable income taxes	$174,000	3,064
Income before extraordinary items	$437,000	4,659
Extraordinary gains, net	$0	31
Net income	$437,000	4,657
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,132,000	1,197
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-1,364,440	7,762
2008-06-30 (YTD Data)		Rank
Total interest income	$8,747,000	2,248
Total interest expense	$4,003,000	2,122
Net interest income	$4,744,000	2,316
Provision for loan and lease losses	$659,000	1,593
Total noninterest income	$544,000	3,330
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$104,000	4,763
Trading account gains and fees	$-89,000	8,378
Additional Noninterest Income	$529,000	2,153
Total noninterest expense	$4,424,000	2,167
Salaries and employee benefits	$2,274,000	2,283
Premises and equipment expense	$547,000	2,438
Additional noninterest expense	$1,603,000	1,802
Pre-tax net operating income	$205,000	5,784
Securities gains (losses)	$281,000	479
Applicable income taxes	$116,000	3,309
Income before extraordinary items	$370,000	4,631
Extraordinary gains, net	$0	21
Net income	$370,000	4,631
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$575,000	1,203
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$156,440	5,871
2008-03-31 (YTD Data)		Rank
Total interest income	$4,453,000	2,262
Total interest expense	$2,141,000	2,124
Net interest income	$2,312,000	2,370
Provision for loan and lease losses	$300,000	1,372
Total noninterest income	$-127,000	8,452
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$50,000	4,810
Trading account gains and fees	$-447,000	8,455
Additional Noninterest Income	$270,000	2,102
Total noninterest expense	$2,097,000	2,273
Salaries and employee benefits	$1,014,000	2,558
Premises and equipment expense	$282,000	2,394
Additional noninterest expense	$801,000	1,774
Pre-tax net operating income	$-212,000	7,779
Securities gains (losses)	$0	2,688
Applicable income taxes	$-7,000	7,817
Income before extraordinary items	$-205,000	7,846
Extraordinary gains, net	$0	15
Net income	$-205,000	7,846
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$346,000	896
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-205,000	7,815
2007-12-31 (YTD Data)		Rank
Total interest income	$18,145,000	2,268
Total interest expense	$9,243,000	2,068
Net interest income	$8,902,000	2,477
Provision for loan and lease losses	$1,630,000	988
Total noninterest income	$1,696,000	2,492
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$198,000	4,925
Trading account gains and fees	$441,000	84
Additional Noninterest Income	$1,057,000	2,147
Total noninterest expense	$7,879,000	2,319
Salaries and employee benefits	$3,922,000	2,524
Premises and equipment expense	$929,000	2,732
Additional noninterest expense	$3,028,000	1,821
Pre-tax net operating income	$1,089,000	4,575
Securities gains (losses)	$954,000	179
Applicable income taxes	$646,000	2,411
Income before extraordinary items	$1,397,000	3,588
Extraordinary gains, net	$0	39
Net income	$1,397,000	3,587
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$562,000	1,557
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$748,280	4,902
2007-09-30 (YTD Data)		Rank
Total interest income	$13,526,000	2,294
Total interest expense	$6,897,000	2,074
Net interest income	$6,629,000	2,504
Provision for loan and lease losses	$925,000	952
Total noninterest income	$1,321,000	2,419
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$142,000	5,040
Trading account gains and fees	$452,000	87
Additional Noninterest Income	$727,000	2,260
Total noninterest expense	$5,929,000	2,289
Salaries and employee benefits	$2,984,000	2,498
Premises and equipment expense	$693,000	2,731
Additional noninterest expense	$2,252,000	1,790
Pre-tax net operating income	$1,096,000	4,150
Securities gains (losses)	$841,000	164
Applicable income taxes	$646,000	2,186
Income before extraordinary items	$1,291,000	3,304
Extraordinary gains, net	$0	33
Net income	$1,291,000	3,303
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$348,000	1,374
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$727,530	4,556
2007-06-30 (YTD Data)		Rank
Total interest income	$8,994,000	2,315
Total interest expense	$4,560,000	2,088
Net interest income	$4,434,000	2,523
Provision for loan and lease losses	$330,000	1,431
Total noninterest income	$865,000	2,450
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$93,000	5,085
Trading account gains and fees	$261,000	95
Additional Noninterest Income	$511,000	2,213
Total noninterest expense	$3,909,000	2,336
Salaries and employee benefits	$1,990,000	2,536
Premises and equipment expense	$452,000	2,807
Additional noninterest expense	$1,467,000	1,848
Pre-tax net operating income	$1,060,000	3,399
Securities gains (losses)	$313,000	250
Applicable income taxes	$457,000	2,193
Income before extraordinary items	$916,000	3,201
Extraordinary gains, net	$0	29
Net income	$916,000	3,200
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$117,000	1,892
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$706,290	3,780
2007-03-31 (YTD Data)		Rank
Total interest income	$4,472,000	2,325
Total interest expense	$2,273,000	2,088
Net interest income	$2,199,000	2,543
Provision for loan and lease losses	$165,000	1,333
Total noninterest income	$348,000	2,817
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$44,000	5,130
Trading account gains and fees	$64,000	128
Additional Noninterest Income	$240,000	2,279
Total noninterest expense	$1,930,000	2,366
Salaries and employee benefits	$990,000	2,567
Premises and equipment expense	$201,000	3,103
Additional noninterest expense	$739,000	1,803
Pre-tax net operating income	$452,000	3,737
Securities gains (losses)	$299,000	165
Applicable income taxes	$250,000	2,088
Income before extraordinary items	$501,000	3,025
Extraordinary gains, net	$0	22
Net income	$501,000	3,025
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	1,464
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$300,670	4,147
2006-12-31 (YTD Data)		Rank
Total interest income	$17,479,000	2,232
Total interest expense	$8,597,000	1,918
Net interest income	$8,882,000	2,540
Provision for loan and lease losses	$878,000	1,176
Total noninterest income	$1,392,000	2,844
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$177,000	5,217
Trading account gains and fees	$163,000	94
Additional Noninterest Income	$1,052,000	2,146
Total noninterest expense	$7,435,000	2,383
Salaries and employee benefits	$3,812,000	2,547
Premises and equipment expense	$755,000	3,140
Additional noninterest expense	$2,868,000	1,835
Pre-tax net operating income	$1,961,000	3,694
Securities gains (losses)	$434,000	261
Applicable income taxes	$768,000	2,530
Income before extraordinary items	$1,627,000	3,589
Extraordinary gains, net	$0	51
Net income	$1,627,000	3,589
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$421,000	1,327
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,331,880	4,014
2006-09-30 (YTD Data)		Rank
Total interest income	$12,997,000	2,242
Total interest expense	$6,280,000	1,912
Net interest income	$6,717,000	2,557
Provision for loan and lease losses	$542,000	1,308
Total noninterest income	$951,000	3,033
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$128,000	5,350
Trading account gains and fees	$21,000	107
Additional Noninterest Income	$802,000	2,128
Total noninterest expense	$5,574,000	2,380
Salaries and employee benefits	$2,780,000	2,621
Premises and equipment expense	$612,000	2,955
Additional noninterest expense	$2,182,000	1,780
Pre-tax net operating income	$1,552,000	3,714
Securities gains (losses)	$190,000	342
Applicable income taxes	$617,000	2,546
Income before extraordinary items	$1,125,000	3,882
Extraordinary gains, net	$0	45
Net income	$1,125,000	3,886
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$270,000	1,248
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,001,500	4,156
2006-06-30 (YTD Data)		Rank
Total interest income	$8,453,000	2,255
Total interest expense	$4,012,000	1,896
Net interest income	$4,441,000	2,569
Provision for loan and lease losses	$258,000	1,718
Total noninterest income	$570,000	3,227
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$75,000	5,584
Trading account gains and fees	$0	126
Additional Noninterest Income	$495,000	2,224
Total noninterest expense	$3,683,000	2,400
Salaries and employee benefits	$1,813,000	2,668
Premises and equipment expense	$421,000	2,875
Additional noninterest expense	$1,449,000	1,804
Pre-tax net operating income	$1,070,000	3,640
Securities gains (losses)	$108,000	338
Applicable income taxes	$416,000	2,559
Income before extraordinary items	$762,000	3,853
Extraordinary gains, net	$0	39
Net income	$762,000	3,857
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$154,000	1,312
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$691,800	4,089
2006-03-31 (YTD Data)		Rank
Total interest income	$4,087,000	2,280
Total interest expense	$1,935,000	1,885
Net interest income	$2,152,000	2,630
Provision for loan and lease losses	$129,000	1,654
Total noninterest income	$238,000	3,590
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$30,000	5,914
Trading account gains and fees	$0	115
Additional Noninterest Income	$208,000	2,431
Total noninterest expense	$1,838,000	2,396
Salaries and employee benefits	$881,000	2,734
Premises and equipment expense	$219,000	2,795
Additional noninterest expense	$738,000	1,776
Pre-tax net operating income	$423,000	4,153
Securities gains (losses)	$0	955
Applicable income taxes	$150,000	3,038
Income before extraordinary items	$273,000	4,645
Extraordinary gains, net	$0	21
Net income	$273,000	4,645
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,205
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$273,000	4,630
2005-12-31 (YTD Data)		Rank
Total interest income	$15,471,000	2,148
Total interest expense	$6,715,000	1,690
Net interest income	$8,756,000	2,486
Provision for loan and lease losses	$515,000	1,855
Total noninterest income	$1,202,000	3,147
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$142,000	5,708
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,060,000	2,127
Total noninterest expense	$7,002,000	2,396
Salaries and employee benefits	$3,474,000	2,614
Premises and equipment expense	$783,000	2,952
Additional noninterest expense	$2,745,000	1,845
Pre-tax net operating income	$2,441,000	3,207
Securities gains (losses)	$376,000	345
Applicable income taxes	$908,000	2,394
Income before extraordinary items	$1,909,000	3,211
Extraordinary gains, net	$0	46
Net income	$1,909,000	3,213
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$363,000	1,516
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,653,320	3,521
2005-09-30 (YTD Data)		Rank
Total interest income	$11,378,000	2,141
Total interest expense	$4,804,000	1,679
Net interest income	$6,574,000	2,471
Provision for loan and lease losses	$270,000	2,383
Total noninterest income	$860,000	3,251
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$105,000	5,772
Trading account gains and fees	$0	126
Additional Noninterest Income	$755,000	2,204
Total noninterest expense	$5,086,000	2,440
Salaries and employee benefits	$2,555,000	2,613
Premises and equipment expense	$587,000	2,936
Additional noninterest expense	$1,944,000	1,913
Pre-tax net operating income	$2,078,000	2,968
Securities gains (losses)	$140,000	559
Applicable income taxes	$782,000	2,239
Income before extraordinary items	$1,436,000	3,233
Extraordinary gains, net	$0	35
Net income	$1,436,000	3,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$260,000	1,406
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,345,000	3,358
2005-06-30 (YTD Data)		Rank
Total interest income	$7,420,000	2,128
Total interest expense	$3,015,000	1,678
Net interest income	$4,405,000	2,445
Provision for loan and lease losses	$180,000	2,307
Total noninterest income	$580,000	3,177
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$72,000	5,681
Trading account gains and fees	$0	116
Additional Noninterest Income	$508,000	2,154
Total noninterest expense	$3,342,000	2,446
Salaries and employee benefits	$1,714,000	2,591
Premises and equipment expense	$403,000	2,826
Additional noninterest expense	$1,225,000	2,008
Pre-tax net operating income	$1,463,000	2,817
Securities gains (losses)	$38,000	887
Applicable income taxes	$529,000	2,184
Income before extraordinary items	$972,000	3,157
Extraordinary gains, net	$0	30
Net income	$972,000	3,158
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	1,940
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$947,300	3,180
2005-03-31 (YTD Data)		Rank
Total interest income	$3,649,000	2,118
Total interest expense	$1,443,000	1,658
Net interest income	$2,206,000	2,425
Provision for loan and lease losses	$90,000	2,180
Total noninterest income	$296,000	3,089
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$35,000	5,695
Trading account gains and fees	$0	115
Additional Noninterest Income	$261,000	2,084
Total noninterest expense	$1,673,000	2,453
Salaries and employee benefits	$866,000	2,586
Premises and equipment expense	$204,000	2,835
Additional noninterest expense	$603,000	2,031
Pre-tax net operating income	$739,000	2,738
Securities gains (losses)	$6,000	1,143
Applicable income taxes	$262,000	2,195
Income before extraordinary items	$483,000	3,130
Extraordinary gains, net	$0	24
Net income	$483,000	3,131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	1,622
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$479,100	3,105
2004-12-31 (YTD Data)		Rank
Total interest income	$13,717,000	2,073
Total interest expense	$4,916,000	1,665
Net interest income	$8,801,000	2,319
Provision for loan and lease losses	$370,000	2,512
Total noninterest income	$1,442,000	2,756
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$144,000	5,867
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,298,000	1,808
Total noninterest expense	$6,498,000	2,456
Salaries and employee benefits	$3,209,000	2,677
Premises and equipment expense	$726,000	3,039
Additional noninterest expense	$2,563,000	1,900
Pre-tax net operating income	$3,375,000	2,334
Securities gains (losses)	$20,000	2,398
Applicable income taxes	$1,124,000	1,987
Income before extraordinary items	$2,271,000	2,623
Extraordinary gains, net	$0	34
Net income	$2,271,000	2,626
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$245,000	2,284
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,257,600	2,584
2004-09-30 (YTD Data)		Rank
Total interest income	$10,100,000	2,088
Total interest expense	$3,571,000	1,691
Net interest income	$6,529,000	2,313
Provision for loan and lease losses	$280,000	2,380
Total noninterest income	$1,078,000	2,776
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$103,000	6,004
Trading account gains and fees	$0	134
Additional Noninterest Income	$975,000	1,800
Total noninterest expense	$4,516,000	2,593
Salaries and employee benefits	$2,383,000	2,682
Premises and equipment expense	$558,000	2,954
Additional noninterest expense	$1,575,000	2,290
Pre-tax net operating income	$2,811,000	2,179
Securities gains (losses)	$-24,000	8,687
Applicable income taxes	$982,000	1,805
Income before extraordinary items	$1,805,000	2,556
Extraordinary gains, net	$0	26
Net income	$1,805,000	2,558
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$219,000	1,791
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,820,600	2,468
2004-06-30 (YTD Data)		Rank
Total interest income	$6,599,000	2,121
Total interest expense	$2,341,000	1,703
Net interest income	$4,258,000	2,351
Provision for loan and lease losses	$190,000	2,297
Total noninterest income	$685,000	2,883
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$65,000	6,112
Trading account gains and fees	$0	130
Additional Noninterest Income	$620,000	1,876
Total noninterest expense	$2,944,000	2,661
Salaries and employee benefits	$1,573,000	2,715
Premises and equipment expense	$365,000	3,019
Additional noninterest expense	$1,006,000	2,374
Pre-tax net operating income	$1,809,000	2,225
Securities gains (losses)	$-24,000	8,828
Applicable income taxes	$629,000	1,859
Income before extraordinary items	$1,156,000	2,605
Extraordinary gains, net	$0	21
Net income	$1,156,000	2,606
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,000	1,952
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,171,600	2,517
2004-03-31 (YTD Data)		Rank
Total interest income	$3,274,000	2,133
Total interest expense	$1,177,000	1,714
Net interest income	$2,097,000	2,385
Provision for loan and lease losses	$100,000	2,105
Total noninterest income	$361,000	2,727
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$32,000	6,092
Trading account gains and fees	$0	121
Additional Noninterest Income	$329,000	1,768
Total noninterest expense	$1,422,000	2,772
Salaries and employee benefits	$792,000	2,713
Premises and equipment expense	$175,000	3,162
Additional noninterest expense	$455,000	2,584
Pre-tax net operating income	$936,000	2,131
Securities gains (losses)	$-3,000	8,790
Applicable income taxes	$328,000	1,808
Income before extraordinary items	$605,000	2,472
Extraordinary gains, net	$0	16
Net income	$605,000	2,473
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	2,260
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$606,950	2,390
2003-12-31 (YTD Data)		Rank
Total interest income	$13,579,000	2,094
Total interest expense	$4,996,000	1,791
Net interest income	$8,583,000	2,258
Provision for loan and lease losses	$360,000	2,773
Total noninterest income	$2,038,000	2,291
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$102,000	6,527
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,936,000	1,505
Total noninterest expense	$5,996,000	2,604
Salaries and employee benefits	$3,026,000	2,747
Premises and equipment expense	$735,000	2,962
Additional noninterest expense	$2,235,000	2,156
Pre-tax net operating income	$4,265,000	1,888
Securities gains (losses)	$349,000	955
Applicable income taxes	$1,549,000	1,581
Income before extraordinary items	$3,065,000	1,997
Extraordinary gains, net	$0	54
Net income	$3,065,000	1,997
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$422,000	1,817
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,834,660	2,050
2003-09-30 (YTD Data)		Rank
Total interest income	$10,209,000	2,123
Total interest expense	$3,794,000	1,843
Net interest income	$6,415,000	2,280
Provision for loan and lease losses	$270,000	2,692
Total noninterest income	$1,711,000	2,144
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$74,000	6,631
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,637,000	1,442
Total noninterest expense	$4,351,000	2,676
Salaries and employee benefits	$2,228,000	2,798
Premises and equipment expense	$544,000	3,001
Additional noninterest expense	$1,579,000	2,270
Pre-tax net operating income	$3,505,000	1,790
Securities gains (losses)	$369,000	833
Applicable income taxes	$1,362,000	1,443
Income before extraordinary items	$2,512,000	1,911
Extraordinary gains, net	$0	40
Net income	$2,512,000	1,910
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$324,000	1,630
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$2,272,150	1,970
2003-06-30 (YTD Data)		Rank
Total interest income	$6,815,000	2,132
Total interest expense	$2,584,000	1,867
Net interest income	$4,231,000	2,293
Provision for loan and lease losses	$180,000	2,675
Total noninterest income	$1,077,000	2,233
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$47,000	6,687
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,030,000	1,482
Total noninterest expense	$2,874,000	2,707
Salaries and employee benefits	$1,464,000	2,841
Premises and equipment expense	$361,000	3,003
Additional noninterest expense	$1,049,000	2,266
Pre-tax net operating income	$2,254,000	1,841
Securities gains (losses)	$-31,000	9,136
Applicable income taxes	$782,000	1,658
Income before extraordinary items	$1,441,000	2,182
Extraordinary gains, net	$0	30
Net income	$1,441,000	2,180
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	2,557
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,461,150	2,038
2003-03-31 (YTD Data)		Rank
Total interest income	$3,441,000	2,136
Total interest expense	$1,331,000	1,854
Net interest income	$2,110,000	2,307
Provision for loan and lease losses	$90,000	2,494
Total noninterest income	$468,000	2,406
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$23,000	6,666
Trading account gains and fees	$0	134
Additional Noninterest Income	$445,000	1,604
Total noninterest expense	$1,404,000	2,744
Salaries and employee benefits	$729,000	2,855
Premises and equipment expense	$183,000	2,963
Additional noninterest expense	$492,000	2,365
Pre-tax net operating income	$1,084,000	1,899
Securities gains (losses)	$0	2,891
Applicable income taxes	$382,000	1,690
Income before extraordinary items	$702,000	2,187
Extraordinary gains, net	$0	21
Net income	$702,000	2,185
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	2,593
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$702,000	2,074
2002-12-31 (YTD Data)		Rank
Total interest income	$13,553,000	2,272
Total interest expense	$5,632,000	2,005
Net interest income	$7,921,000	2,423
Provision for loan and lease losses	$376,000	2,957
Total noninterest income	$1,523,000	2,591
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$125,000	6,171
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,398,000	1,742
Total noninterest expense	$5,521,000	2,675
Salaries and employee benefits	$2,690,000	2,924
Premises and equipment expense	$698,000	3,004
Additional noninterest expense	$2,133,000	2,180
Pre-tax net operating income	$3,547,000	2,186
Securities gains (losses)	$167,000	1,289
Applicable income taxes	$1,244,000	1,901
Income before extraordinary items	$2,470,000	2,378
Extraordinary gains, net	$0	70
Net income	$2,470,000	2,377
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$127,000	3,793
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,358,110	2,378
2001-12-31 (YTD Data)		Rank
Total interest income	$12,429,000	2,732
Total interest expense	$6,732,000	2,379
Net interest income	$5,697,000	3,083
Provision for loan and lease losses	$390,000	2,674
Total noninterest income	$794,000	3,870
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$124,000	6,186
Trading account gains and fees	$0	177
Additional Noninterest Income	$670,000	2,640
Total noninterest expense	$4,426,000	3,123
Salaries and employee benefits	$2,068,000	3,500
Premises and equipment expense	$617,000	3,288
Additional noninterest expense	$1,741,000	2,549
Pre-tax net operating income	$1,675,000	3,593
Securities gains (losses)	$133,000	1,503
Applicable income taxes	$592,000	2,995
Income before extraordinary items	$1,216,000	3,768
Extraordinary gains, net	$0	105
Net income	$1,216,000	3,770
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,371
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,126,890	3,846
2000-12-31 (YTD Data)		Rank
Total interest income	$10,732,000	3,207
Total interest expense	$6,022,000	2,776
Net interest income	$4,710,000	3,656
Provision for loan and lease losses	$215,000	3,578
Total noninterest income	$280,000	6,475
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$104,000	6,495
Trading account gains and fees	$0	180
Additional Noninterest Income	$176,000	5,094
Total noninterest expense	$3,674,000	3,563
Salaries and employee benefits	$1,714,000	3,929
Premises and equipment expense	$450,000	4,129
Additional noninterest expense	$1,510,000	2,799
Pre-tax net operating income	$1,101,000	4,993
Securities gains (losses)	$802,000	186
Applicable income taxes	$631,000	3,008
Income before extraordinary items	$1,272,000	3,696
Extraordinary gains, net	$0	38
Net income	$1,272,000	3,696
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	4,069
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$734,660	5,290
1999-12-31 (YTD Data)		Rank
Total interest income	$9,233,000	3,452
Total interest expense	$4,597,000	3,156
Net interest income	$4,636,000	3,687
Provision for loan and lease losses	$325,000	2,488
Total noninterest income	$281,000	6,616
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$84,000	7,049
Trading account gains and fees	$0	173
Additional Noninterest Income	$197,000	4,971
Total noninterest expense	$2,977,000	4,240
Salaries and employee benefits	$1,443,000	4,475
Premises and equipment expense	$343,000	5,040
Additional noninterest expense	$1,191,000	3,446
Pre-tax net operating income	$1,615,000	3,900
Securities gains (losses)	$126,000	648
Applicable income taxes	$562,000	3,365
Income before extraordinary items	$1,179,000	3,927
Extraordinary gains, net	$0	35
Net income	$1,179,000	3,928
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	3,651
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,093,320	4,120
1998-12-31 (YTD Data)		Rank
Total interest income	$8,323,000	3,798
Total interest expense	$4,150,000	3,557
Net interest income	$4,173,000	3,985
Provision for loan and lease losses	$365,000	2,219
Total noninterest income	$249,000	7,019
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	7,680
Trading account gains and fees	NA	NA
Additional Noninterest Income	$185,000	5,166
Total noninterest expense	$2,476,000	4,805
Salaries and employee benefits	$1,177,000	5,143
Premises and equipment expense	$352,000	4,862
Additional noninterest expense	$947,000	4,137
Pre-tax net operating income	$1,581,000	4,018
Securities gains (losses)	$466,000	580
Applicable income taxes	$636,000	3,257
Income before extraordinary items	$1,411,000	3,416
Extraordinary gains, net	$0	32
Net income	$1,411,000	3,416
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$334,000	1,720
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,089,460	4,121
1997-12-31 (YTD Data)		Rank
Total interest income	$7,437,000	4,270
Total interest expense	$3,691,000	3,955
Net interest income	$3,746,000	4,475
Provision for loan and lease losses	$350,000	2,319
Total noninterest income	$162,000	8,402
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	8,145
Trading account gains and fees	NA	NA
Additional Noninterest Income	$102,000	6,733
Total noninterest expense	$2,219,000	5,261
Salaries and employee benefits	$1,005,000	5,842
Premises and equipment expense	$324,000	5,177
Additional noninterest expense	$890,000	4,352
Pre-tax net operating income	$1,339,000	4,865
Securities gains (losses)	$447,000	453
Applicable income taxes	$549,000	3,945
Income before extraordinary items	$1,237,000	3,948
Extraordinary gains, net	$0	44
Net income	$1,237,000	3,947
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$228,000	2,340
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$928,570	4,896
1996-12-31 (YTD Data)		Rank
Total interest income	$7,404,000	4,345
Total interest expense	$3,652,000	4,022
Net interest income	$3,752,000	4,550
Provision for loan and lease losses	$504,000	1,721
Total noninterest income	$149,000	9,021
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	8,549
Trading account gains and fees	NA	NA
Additional Noninterest Income	$89,000	7,466
Total noninterest expense	$2,028,000	5,890
Salaries and employee benefits	$986,000	6,055
Premises and equipment expense	$223,000	6,642
Additional noninterest expense	$819,000	5,124
Pre-tax net operating income	$1,369,000	4,657
Securities gains (losses)	$226,000	651
Applicable income taxes	$450,000	4,501
Income before extraordinary items	$1,145,000	4,023
Extraordinary gains, net	$0	53
Net income	$1,145,000	4,024
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$407,000	1,664
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$982,280	4,524
1995-12-31 (YTD Data)		Rank
Total interest income	$7,491,000	4,272
Total interest expense	$3,627,000	4,024
Net interest income	$3,864,000	4,440
Provision for loan and lease losses	$314,000	2,215
Total noninterest income	$140,000	9,482
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	8,893
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	7,981
Total noninterest expense	$1,936,000	6,135
Salaries and employee benefits	$960,000	6,248
Premises and equipment expense	$191,000	7,369
Additional noninterest expense	$785,000	5,333
Pre-tax net operating income	$1,754,000	3,925
Securities gains (losses)	$22,000	1,840
Applicable income taxes	$628,000	3,550
Income before extraordinary items	$1,148,000	4,096
Extraordinary gains, net	$0	65
Net income	$1,148,000	4,093
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$269,000	2,087
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,133,700	4,121
1994-12-31 (YTD Data)		Rank
Total interest income	$6,348,000	4,623
Total interest expense	$3,041,000	3,913
Net interest income	$3,307,000	5,191
Provision for loan and lease losses	$110,000	4,343
Total noninterest income	$181,000	9,083
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	9,344
Trading account gains and fees	NA	NA
Additional Noninterest Income	$121,000	6,901
Total noninterest expense	$1,939,000	6,371
Salaries and employee benefits	$852,000	6,912
Premises and equipment expense	$195,000	7,536
Additional noninterest expense	$892,000	5,215
Pre-tax net operating income	$1,439,000	4,571
Securities gains (losses)	$10,000	2,219
Applicable income taxes	$453,000	4,366
Income before extraordinary items	$996,000	4,565
Extraordinary gains, net	$0	249
Net income	$996,000	4,566
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$127,000	3,278
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$989,100	4,622
1993-12-31 (YTD Data)		Rank
Total interest income	$6,012,000	4,943
Total interest expense	$3,171,000	3,932
Net interest income	$2,841,000	5,901
Provision for loan and lease losses	$285,000	3,115
Total noninterest income	$238,000	8,569
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	9,720
Trading account gains and fees	NA	NA
Additional Noninterest Income	$179,000	6,010
Total noninterest expense	$1,794,000	6,907
Salaries and employee benefits	$761,000	7,566
Premises and equipment expense	$185,000	8,012
Additional noninterest expense	$848,000	5,635
Pre-tax net operating income	$1,000,000	5,885
Securities gains (losses)	$305,000	1,284
Applicable income taxes	$387,000	5,129
Income before extraordinary items	$918,000	5,019
Extraordinary gains, net	$240,000	870
Net income	$1,158,000	4,266
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	6,815
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$704,500	5,818
1992-12-31 (YTD Data)		Rank
Total interest income	$6,329,000	5,255
Total interest expense	$3,763,000	4,287
Net interest income	$2,566,000	6,469
Provision for loan and lease losses	$180,000	5,503
Total noninterest income	$175,000	9,918
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	10,113
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	7,446
Total noninterest expense	$1,695,000	7,273
Salaries and employee benefits	$738,000	7,702
Premises and equipment expense	$179,000	8,342
Additional noninterest expense	$778,000	6,226
Pre-tax net operating income	$866,000	6,264
Securities gains (losses)	$256,000	1,692
Applicable income taxes	$342,000	5,442
Income before extraordinary items	$780,000	5,466
Extraordinary gains, net	$0	1,422
Net income	$780,000	5,529
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$207,000	4,125
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$600,800	6,201

* 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.