Home > Merchants Bank > Income and Expense

Merchants Bank, Income and Expense

2019-03-31 (YTD Data)		Rank
Total interest income	$2,354,000	2,732
Total interest expense	$297,000	3,052
Net interest income	$2,057,000	2,622
Provision for loan and lease losses	$244,000	810
Total noninterest income	$396,000	2,177
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$256,000	1,107
Trading account gains and fees	$0	126
Additional Noninterest Income	$140,000	2,831
Total noninterest expense	$3,469,000	1,473
Salaries and employee benefits	$2,060,000	1,430
Premises and equipment expense	$296,000	1,856
Additional noninterest expense	$1,113,000	1,389
Pre-tax net operating income	$-1,260,000	5,348
Securities gains (losses)	$0	1,087
Applicable income taxes	$-55,000	5,269
Income before extraordinary items	$-1,205,000	5,337
Extraordinary gains, net	$0	5
Net income	$-1,205,000	5,336
Minority interest net income	$0	52
Net income of bank and minority interests.	$-1,205,000	5,336
Net charge-offs	$64,000	1,085
Cash dividends	$5,949,000	240
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$-1,205,000	5,340
2018-12-31 (YTD Data)		Rank
Total interest income	$9,298,000	2,658
Total interest expense	$1,087,000	2,815
Net interest income	$8,211,000	2,602
Provision for loan and lease losses	$29,000	3,724
Total noninterest income	$1,720,000	2,163
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,063,000	1,117
Trading account gains and fees	$0	126
Additional Noninterest Income	$657,000	2,729
Total noninterest expense	$7,677,000	2,315
Salaries and employee benefits	$4,472,000	2,275
Premises and equipment expense	$933,000	2,142
Additional noninterest expense	$2,272,000	2,386
Pre-tax net operating income	$2,225,000	2,961
Securities gains (losses)	$0	1,125
Applicable income taxes	$146,000	2,877
Income before extraordinary items	$2,079,000	2,872
Extraordinary gains, net	$0	6
Net income	$2,079,000	2,871
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,079,000	2,871
Net charge-offs	$47,000	2,671
Cash dividends	$461,000	3,048
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,079,000	2,869
2018-09-30 (YTD Data)		Rank
Total interest income	$6,862,000	2,680
Total interest expense	$793,000	2,770
Net interest income	$6,069,000	2,637
Provision for loan and lease losses	$32,000	3,435
Total noninterest income	$1,324,000	2,142
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$802,000	1,104
Trading account gains and fees	$0	138
Additional Noninterest Income	$522,000	2,702
Total noninterest expense	$5,480,000	2,409
Salaries and employee benefits	$3,236,000	2,338
Premises and equipment expense	$725,000	2,106
Additional noninterest expense	$1,519,000	2,589
Pre-tax net operating income	$1,881,000	2,838
Securities gains (losses)	$0	1,118
Applicable income taxes	$100,000	3,006
Income before extraordinary items	$1,781,000	2,708
Extraordinary gains, net	$0	5
Net income	$1,781,000	2,707
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,781,000	2,707
Net charge-offs	$16,000	2,801
Cash dividends	$461,000	2,450
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,781,000	2,695
2018-06-30 (YTD Data)		Rank
Total interest income	$4,501,000	2,697
Total interest expense	$511,000	2,766
Net interest income	$3,990,000	2,659
Provision for loan and lease losses	$21,000	3,331
Total noninterest income	$905,000	2,127
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$539,000	1,101
Trading account gains and fees	$0	130
Additional Noninterest Income	$366,000	2,637
Total noninterest expense	$3,585,000	2,450
Salaries and employee benefits	$2,125,000	2,372
Premises and equipment expense	$480,000	2,133
Additional noninterest expense	$980,000	2,657
Pre-tax net operating income	$1,289,000	2,763
Securities gains (losses)	$0	961
Applicable income taxes	$57,000	3,079
Income before extraordinary items	$1,232,000	2,625
Extraordinary gains, net	$0	6
Net income	$1,232,000	2,624
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,232,000	2,624
Net charge-offs	$-80,000	5,145
Cash dividends	$361,000	2,305
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,232,000	2,616
2018-03-31 (YTD Data)		Rank
Total interest income	$2,214,000	2,736
Total interest expense	$252,000	2,741
Net interest income	$1,962,000	2,691
Provision for loan and lease losses	$11,000	3,103
Total noninterest income	$381,000	2,324
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$286,000	1,038
Trading account gains and fees	$0	123
Additional Noninterest Income	$95,000	3,420
Total noninterest expense	$1,861,000	2,398
Salaries and employee benefits	$1,121,000	2,300
Premises and equipment expense	$246,000	2,132
Additional noninterest expense	$494,000	2,656
Pre-tax net operating income	$471,000	3,191
Securities gains (losses)	$0	735
Applicable income taxes	$25,000	3,125
Income before extraordinary items	$446,000	3,079
Extraordinary gains, net	$0	7
Net income	$446,000	3,079
Minority interest net income	$0	52
Net income of bank and minority interests.	$446,000	3,079
Net charge-offs	$26,000	1,526
Cash dividends	$361,000	1,450
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$446,000	3,078
2017-12-31 (YTD Data)		Rank
Total interest income	$8,528,000	2,746
Total interest expense	$959,000	2,604
Net interest income	$7,569,000	2,742
Provision for loan and lease losses	$33,000	3,752
Total noninterest income	$1,497,000	2,402
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,051,000	1,141
Trading account gains and fees	$0	151
Additional Noninterest Income	$446,000	3,303
Total noninterest expense	$7,185,000	2,470
Salaries and employee benefits	$4,256,000	2,368
Premises and equipment expense	$914,000	2,238
Additional noninterest expense	$2,015,000	2,635
Pre-tax net operating income	$1,848,000	3,228
Securities gains (losses)	$11,000	1,559
Applicable income taxes	$112,000	3,241
Income before extraordinary items	$1,747,000	2,908
Extraordinary gains, net	$0	9
Net income	$1,747,000	2,907
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,747,000	2,908
Net charge-offs	$-6,000	4,696
Cash dividends	$841,000	2,405
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,736,660	2,894
2017-09-30 (YTD Data)		Rank
Total interest income	$6,327,000	2,782
Total interest expense	$715,000	2,602
Net interest income	$5,612,000	2,783
Provision for loan and lease losses	$23,000	3,650
Total noninterest income	$1,193,000	2,343
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$783,000	1,154
Trading account gains and fees	$0	145
Additional Noninterest Income	$410,000	3,061
Total noninterest expense	$5,358,000	2,491
Salaries and employee benefits	$3,206,000	2,365
Premises and equipment expense	$676,000	2,268
Additional noninterest expense	$1,476,000	2,688
Pre-tax net operating income	$1,424,000	3,267
Securities gains (losses)	$-50,000	5,593
Applicable income taxes	$98,000	3,163
Income before extraordinary items	$1,276,000	3,109
Extraordinary gains, net	$0	9
Net income	$1,276,000	3,108
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,276,000	3,109
Net charge-offs	$-62,000	5,219
Cash dividends	$741,000	2,021
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,322,500	3,034
2017-06-30 (YTD Data)		Rank
Total interest income	$4,163,000	2,790
Total interest expense	$471,000	2,593
Net interest income	$3,692,000	2,800
Provision for loan and lease losses	$15,000	3,486
Total noninterest income	$782,000	2,387
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$510,000	1,167
Trading account gains and fees	$0	139
Additional Noninterest Income	$272,000	3,070
Total noninterest expense	$3,544,000	2,509
Salaries and employee benefits	$2,132,000	2,390
Premises and equipment expense	$447,000	2,292
Additional noninterest expense	$965,000	2,741
Pre-tax net operating income	$915,000	3,267
Securities gains (losses)	$6,000	1,397
Applicable income taxes	$79,000	3,065
Income before extraordinary items	$842,000	3,094
Extraordinary gains, net	$0	11
Net income	$842,000	3,093
Minority interest net income	$0	71
Net income of bank and minority interests.	$842,000	3,094
Net charge-offs	$-78,000	5,384
Cash dividends	$641,000	1,739
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$836,540	3,084
2017-03-31 (YTD Data)		Rank
Total interest income	$2,035,000	2,831
Total interest expense	$234,000	2,573
Net interest income	$1,801,000	2,845
Provision for loan and lease losses	$7,000	3,282
Total noninterest income	$403,000	2,327
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$255,000	1,174
Trading account gains and fees	$0	142
Additional Noninterest Income	$148,000	2,954
Total noninterest expense	$1,847,000	2,454
Salaries and employee benefits	$1,139,000	2,293
Premises and equipment expense	$227,000	2,300
Additional noninterest expense	$481,000	2,747
Pre-tax net operating income	$350,000	3,615
Securities gains (losses)	$6,000	778
Applicable income taxes	$61,000	2,768
Income before extraordinary items	$295,000	3,637
Extraordinary gains, net	$0	8
Net income	$295,000	3,636
Minority interest net income	$0	55
Net income of bank and minority interests.	$295,000	3,637
Net charge-offs	$4,000	2,506
Cash dividends	$641,000	1,020
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$290,020	3,641
2016-12-31 (YTD Data)		Rank
Total interest income	$8,256,000	2,787
Total interest expense	$976,000	2,455
Net interest income	$7,280,000	2,800
Provision for loan and lease losses	$-253,000	5,662
Total noninterest income	$1,781,000	2,259
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$997,000	1,218
Trading account gains and fees	$0	170
Additional Noninterest Income	$784,000	2,684
Total noninterest expense	$7,124,000	2,523
Salaries and employee benefits	$4,334,000	2,360
Premises and equipment expense	$971,000	2,203
Additional noninterest expense	$1,819,000	2,940
Pre-tax net operating income	$2,190,000	2,905
Securities gains (losses)	$7,000	2,783
Applicable income taxes	$140,000	3,134
Income before extraordinary items	$2,057,000	2,739
Extraordinary gains, net	$0	5
Net income	$2,057,000	2,737
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,057,000	2,738
Net charge-offs	$-264,000	5,708
Cash dividends	$392,000	3,233
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,050,420	2,693
2016-09-30 (YTD Data)		Rank
Total interest income	$6,183,000	2,796
Total interest expense	$739,000	2,440
Net interest income	$5,444,000	2,812
Provision for loan and lease losses	$-260,000	5,797
Total noninterest income	$1,376,000	2,227
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$729,000	1,234
Trading account gains and fees	$0	169
Additional Noninterest Income	$647,000	2,581
Total noninterest expense	$5,376,000	2,503
Salaries and employee benefits	$3,238,000	2,345
Premises and equipment expense	$743,000	2,169
Additional noninterest expense	$1,395,000	2,893
Pre-tax net operating income	$1,704,000	2,892
Securities gains (losses)	$7,000	2,695
Applicable income taxes	$91,000	3,269
Income before extraordinary items	$1,620,000	2,688
Extraordinary gains, net	$0	5
Net income	$1,620,000	2,688
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,620,000	2,688
Net charge-offs	$-276,000	5,783
Cash dividends	$292,000	2,925
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,613,350	2,645
2016-06-30 (YTD Data)		Rank
Total interest income	$4,128,000	2,805
Total interest expense	$491,000	2,455
Net interest income	$3,637,000	2,818
Provision for loan and lease losses	$-268,000	5,918
Total noninterest income	$1,030,000	2,073
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$461,000	1,276
Trading account gains and fees	$0	157
Additional Noninterest Income	$569,000	2,216
Total noninterest expense	$3,570,000	2,523
Salaries and employee benefits	$2,131,000	2,382
Premises and equipment expense	$494,000	2,172
Additional noninterest expense	$945,000	2,860
Pre-tax net operating income	$1,365,000	2,549
Securities gains (losses)	$-7,000	5,873
Applicable income taxes	$75,000	3,167
Income before extraordinary items	$1,283,000	2,386
Extraordinary gains, net	$0	16
Net income	$1,283,000	2,384
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,283,000	2,385
Net charge-offs	$-288,000	5,909
Cash dividends	$192,000	2,896
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,289,580	2,314
2016-03-31 (YTD Data)		Rank
Total interest income	$1,957,000	2,909
Total interest expense	$246,000	2,455
Net interest income	$1,711,000	2,949
Provision for loan and lease losses	$8,000	3,360
Total noninterest income	$412,000	2,328
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$234,000	1,250
Trading account gains and fees	$0	142
Additional Noninterest Income	$178,000	2,776
Total noninterest expense	$1,754,000	2,562
Salaries and employee benefits	$1,015,000	2,491
Premises and equipment expense	$244,000	2,205
Additional noninterest expense	$495,000	2,793
Pre-tax net operating income	$361,000	3,579
Securities gains (losses)	$-15,000	6,005
Applicable income taxes	$45,000	3,048
Income before extraordinary items	$301,000	3,626
Extraordinary gains, net	$0	12
Net income	$301,000	3,622
Minority interest net income	$0	62
Net income of bank and minority interests.	$301,000	3,624
Net charge-offs	$-8,000	5,076
Cash dividends	$192,000	1,988
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$314,050	3,492
2015-12-31 (YTD Data)		Rank
Total interest income	$7,946,000	2,851
Total interest expense	$1,022,000	2,378
Net interest income	$6,924,000	2,880
Provision for loan and lease losses	$30,000	3,863
Total noninterest income	$1,515,000	2,463
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$1,035,000	1,187
Trading account gains and fees	$0	159
Additional Noninterest Income	$480,000	3,345
Total noninterest expense	$7,007,000	2,565
Salaries and employee benefits	$4,061,000	2,465
Premises and equipment expense	$1,095,000	2,039
Additional noninterest expense	$1,851,000	2,951
Pre-tax net operating income	$1,402,000	3,599
Securities gains (losses)	$1,000	3,117
Applicable income taxes	$69,000	3,507
Income before extraordinary items	$1,334,000	3,435
Extraordinary gains, net	$0	23
Net income	$1,334,000	3,433
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,334,000	3,435
Net charge-offs	$219,000	1,903
Cash dividends	$556,000	2,816
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,333,050	3,396
2015-09-30 (YTD Data)		Rank
Total interest income	$5,949,000	2,873
Total interest expense	$768,000	2,406
Net interest income	$5,181,000	2,905
Provision for loan and lease losses	$22,000	3,772
Total noninterest income	$1,130,000	2,497
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$781,000	1,185
Trading account gains and fees	$0	153
Additional Noninterest Income	$349,000	3,399
Total noninterest expense	$5,145,000	2,607
Salaries and employee benefits	$2,945,000	2,534
Premises and equipment expense	$826,000	2,042
Additional noninterest expense	$1,374,000	2,983
Pre-tax net operating income	$1,144,000	3,537
Securities gains (losses)	$1,000	2,915
Applicable income taxes	$71,000	3,457
Income before extraordinary items	$1,074,000	3,388
Extraordinary gains, net	$0	21
Net income	$1,074,000	3,386
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,074,000	3,387
Net charge-offs	$317,000	1,165
Cash dividends	$556,000	2,207
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,073,060	3,337
2015-06-30 (YTD Data)		Rank
Total interest income	$3,983,000	2,872
Total interest expense	$514,000	2,420
Net interest income	$3,469,000	2,894
Provision for loan and lease losses	$181,000	1,598
Total noninterest income	$689,000	2,642
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$500,000	1,205
Trading account gains and fees	$0	157
Additional Noninterest Income	$189,000	3,716
Total noninterest expense	$3,415,000	2,644
Salaries and employee benefits	$2,022,000	2,491
Premises and equipment expense	$501,000	2,219
Additional noninterest expense	$892,000	3,066
Pre-tax net operating income	$562,000	4,011
Securities gains (losses)	$1,000	2,511
Applicable income taxes	$61,000	3,346
Income before extraordinary items	$502,000	3,960
Extraordinary gains, net	$0	22
Net income	$502,000	3,960
Minority interest net income	$0	75
Net income of bank and minority interests.	$502,000	3,962
Net charge-offs	$141,000	1,422
Cash dividends	$556,000	1,805
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$501,110	3,900
2015-03-31 (YTD Data)		Rank
Total interest income	$1,971,000	2,888
Total interest expense	$259,000	2,420
Net interest income	$1,712,000	2,932
Provision for loan and lease losses	$108,000	1,367
Total noninterest income	$376,000	2,476
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$246,000	1,200
Trading account gains and fees	$0	152
Additional Noninterest Income	$130,000	3,237
Total noninterest expense	$1,651,000	2,709
Salaries and employee benefits	$944,000	2,641
Premises and equipment expense	$241,000	2,311
Additional noninterest expense	$466,000	2,938
Pre-tax net operating income	$329,000	3,741
Securities gains (losses)	$-1,000	6,051
Applicable income taxes	$51,000	2,970
Income before extraordinary items	$277,000	3,784
Extraordinary gains, net	$0	13
Net income	$277,000	3,787
Minority interest net income	$0	64
Net income of bank and minority interests.	$277,000	3,788
Net charge-offs	$31,000	1,862
Cash dividends	$556,000	1,031
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$277,840	3,702
2014-12-31 (YTD Data)		Rank
Total interest income	$8,172,000	2,849
Total interest expense	$1,115,000	2,392
Net interest income	$7,057,000	2,870
Provision for loan and lease losses	$297,000	2,032
Total noninterest income	$1,558,000	2,451
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,112,000	1,186
Trading account gains and fees	$0	180
Additional Noninterest Income	$446,000	3,441
Total noninterest expense	$6,755,000	2,686
Salaries and employee benefits	$4,051,000	2,466
Premises and equipment expense	$996,000	2,247
Additional noninterest expense	$1,708,000	3,237
Pre-tax net operating income	$1,563,000	3,409
Securities gains (losses)	$-8,000	6,006
Applicable income taxes	$91,000	3,442
Income before extraordinary items	$1,464,000	3,281
Extraordinary gains, net	$0	17
Net income	$1,464,000	3,282
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,464,000	3,282
Net charge-offs	$38,000	3,974
Cash dividends	$240,000	3,589
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,471,520	3,220
2014-09-30 (YTD Data)		Rank
Total interest income	$6,192,000	2,843
Total interest expense	$848,000	2,399
Net interest income	$5,344,000	2,872
Provision for loan and lease losses	$249,000	1,826
Total noninterest income	$1,072,000	2,606
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$831,000	1,194
Trading account gains and fees	$0	174
Additional Noninterest Income	$241,000	3,961
Total noninterest expense	$4,996,000	2,715
Salaries and employee benefits	$2,974,000	2,514
Premises and equipment expense	$754,000	2,251
Additional noninterest expense	$1,268,000	3,272
Pre-tax net operating income	$1,171,000	3,482
Securities gains (losses)	$0	2,980
Applicable income taxes	$4,000	4,360
Income before extraordinary items	$1,167,000	3,204
Extraordinary gains, net	$0	15
Net income	$1,167,000	3,204
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,167,000	3,205
Net charge-offs	$34,000	3,540
Cash dividends	$154,000	3,237
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,167,000	3,158
2014-06-30 (YTD Data)		Rank
Total interest income	$4,117,000	2,854
Total interest expense	$571,000	2,407
Net interest income	$3,546,000	2,895
Provision for loan and lease losses	$182,000	1,722
Total noninterest income	$697,000	2,607
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$538,000	1,207
Trading account gains and fees	$0	172
Additional Noninterest Income	$159,000	3,973
Total noninterest expense	$3,381,000	2,700
Salaries and employee benefits	$2,053,000	2,441
Premises and equipment expense	$469,000	2,400
Additional noninterest expense	$859,000	3,240
Pre-tax net operating income	$680,000	3,642
Securities gains (losses)	$-2,000	6,107
Applicable income taxes	$0	4,568
Income before extraordinary items	$678,000	3,392
Extraordinary gains, net	$0	20
Net income	$678,000	3,398
Minority interest net income	$0	80
Net income of bank and minority interests.	$678,000	3,398
Net charge-offs	$-164,000	6,416
Cash dividends	$154,000	2,906
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$680,000	3,349
2014-03-31 (YTD Data)		Rank
Total interest income	$2,037,000	2,887
Total interest expense	$288,000	2,431
Net interest income	$1,749,000	2,931
Provision for loan and lease losses	$133,000	1,385
Total noninterest income	$357,000	2,549
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$264,000	1,211
Trading account gains and fees	$0	147
Additional Noninterest Income	$93,000	3,685
Total noninterest expense	$1,677,000	2,720
Salaries and employee benefits	$990,000	2,533
Premises and equipment expense	$219,000	2,574
Additional noninterest expense	$468,000	3,047
Pre-tax net operating income	$296,000	3,842
Securities gains (losses)	$0	1,715
Applicable income taxes	$-3,000	6,396
Income before extraordinary items	$299,000	3,551
Extraordinary gains, net	$0	16
Net income	$299,000	3,554
Minority interest net income	$0	66
Net income of bank and minority interests.	$299,000	3,554
Net charge-offs	$-31,000	6,177
Cash dividends	$154,000	1,949
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$299,000	3,505
2013-12-31 (YTD Data)		Rank
Total interest income	$8,515,000	2,802
Total interest expense	$1,250,000	2,499
Net interest income	$7,265,000	2,831
Provision for loan and lease losses	$738,000	1,426
Total noninterest income	$1,704,000	2,388
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,225,000	1,131
Trading account gains and fees	$0	184
Additional Noninterest Income	$479,000	3,418
Total noninterest expense	$6,986,000	2,636
Salaries and employee benefits	$4,060,000	2,449
Premises and equipment expense	$1,086,000	2,092
Additional noninterest expense	$1,840,000	3,168
Pre-tax net operating income	$1,245,000	3,714
Securities gains (losses)	$51,000	1,783
Applicable income taxes	$81,000	3,530
Income before extraordinary items	$1,215,000	3,536
Extraordinary gains, net	$0	29
Net income	$1,215,000	3,538
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,215,000	3,539
Net charge-offs	$981,000	1,286
Cash dividends	$138,000	3,822
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,167,060	3,573
2013-09-30 (YTD Data)		Rank
Total interest income	$6,360,000	2,830
Total interest expense	$952,000	2,532
Net interest income	$5,408,000	2,857
Provision for loan and lease losses	$540,000	1,440
Total noninterest income	$1,248,000	2,467
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$917,000	1,134
Trading account gains and fees	$0	180
Additional Noninterest Income	$331,000	3,600
Total noninterest expense	$5,128,000	2,686
Salaries and employee benefits	$2,936,000	2,535
Premises and equipment expense	$816,000	2,112
Additional noninterest expense	$1,376,000	3,167
Pre-tax net operating income	$988,000	3,705
Securities gains (losses)	$58,000	1,560
Applicable income taxes	$99,000	3,325
Income before extraordinary items	$947,000	3,520
Extraordinary gains, net	$0	25
Net income	$947,000	3,522
Minority interest net income	$0	84
Net income of bank and minority interests.	$947,000	3,524
Net charge-offs	$661,000	1,335
Cash dividends	$138,000	3,171
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$894,220	3,553
2013-06-30 (YTD Data)		Rank
Total interest income	$4,271,000	2,812
Total interest expense	$644,000	2,567
Net interest income	$3,627,000	2,835
Provision for loan and lease losses	$338,000	1,536
Total noninterest income	$826,000	2,507
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$614,000	1,100
Trading account gains and fees	$0	157
Additional Noninterest Income	$212,000	3,708
Total noninterest expense	$3,540,000	2,612
Salaries and employee benefits	$2,044,000	2,447
Premises and equipment expense	$535,000	2,143
Additional noninterest expense	$961,000	3,052
Pre-tax net operating income	$575,000	3,893
Securities gains (losses)	$58,000	1,424
Applicable income taxes	$78,000	3,179
Income before extraordinary items	$555,000	3,742
Extraordinary gains, net	$0	22
Net income	$555,000	3,744
Minority interest net income	$0	82
Net income of bank and minority interests.	$555,000	3,745
Net charge-offs	$491,000	1,264
Cash dividends	$138,000	2,810
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$503,960	3,823
2013-03-31 (YTD Data)		Rank
Total interest income	$2,185,000	2,769
Total interest expense	$326,000	2,603
Net interest income	$1,859,000	2,788
Provision for loan and lease losses	$231,000	1,208
Total noninterest income	$409,000	2,519
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$309,000	1,081
Trading account gains and fees	$0	148
Additional Noninterest Income	$100,000	3,748
Total noninterest expense	$1,802,000	2,599
Salaries and employee benefits	$1,053,000	2,406
Premises and equipment expense	$258,000	2,255
Additional noninterest expense	$491,000	3,031
Pre-tax net operating income	$235,000	4,224
Securities gains (losses)	$58,000	862
Applicable income taxes	$83,000	2,571
Income before extraordinary items	$210,000	4,186
Extraordinary gains, net	$0	10
Net income	$210,000	4,188
Minority interest net income	$0	76
Net income of bank and minority interests.	$210,000	4,188
Net charge-offs	$74,000	2,130
Cash dividends	$26,000	2,529
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$168,240	4,466
2012-12-31 (YTD Data)		Rank
Total interest income	$9,279,000	2,754
Total interest expense	$1,718,000	2,439
Net interest income	$7,561,000	2,791
Provision for loan and lease losses	$2,115,000	1,028
Total noninterest income	$1,668,000	2,460
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$1,326,000	1,078
Trading account gains and fees	$0	166
Additional Noninterest Income	$342,000	3,863
Total noninterest expense	$7,086,000	2,631
Salaries and employee benefits	$4,183,000	2,355
Premises and equipment expense	$1,084,000	2,113
Additional noninterest expense	$1,819,000	3,325
Pre-tax net operating income	$28,000	6,093
Securities gains (losses)	$149,000	1,957
Applicable income taxes	$-17,000	6,554
Income before extraordinary items	$194,000	5,808
Extraordinary gains, net	$0	29
Net income	$194,000	5,806
Minority interest net income	$0	93
Net income of bank and minority interests.	$194,000	5,807
Net charge-offs	$1,687,000	1,311
Cash dividends	$218,000	3,553
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$45,000	6,049
2012-09-30 (YTD Data)		Rank
Total interest income	$7,096,000	2,761
Total interest expense	$1,363,000	2,411
Net interest income	$5,733,000	2,806
Provision for loan and lease losses	$2,008,000	852
Total noninterest income	$1,327,000	2,371
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$977,000	1,098
Trading account gains and fees	$0	157
Additional Noninterest Income	$350,000	3,469
Total noninterest expense	$5,221,000	2,675
Salaries and employee benefits	$3,085,000	2,391
Premises and equipment expense	$830,000	2,103
Additional noninterest expense	$1,306,000	3,437
Pre-tax net operating income	$-169,000	6,498
Securities gains (losses)	$149,000	1,668
Applicable income taxes	$34,000	3,967
Income before extraordinary items	$-54,000	6,496
Extraordinary gains, net	$0	20
Net income	$-54,000	6,493
Minority interest net income	$0	86
Net income of bank and minority interests.	$-54,000	6,493
Net charge-offs	$1,665,000	1,042
Cash dividends	$218,000	2,847
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$-203,000	6,542
2012-06-30 (YTD Data)		Rank
Total interest income	$4,768,000	2,766
Total interest expense	$959,000	2,372
Net interest income	$3,809,000	2,814
Provision for loan and lease losses	$1,500,000	796
Total noninterest income	$857,000	2,390
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$645,000	1,100
Trading account gains and fees	$0	153
Additional Noninterest Income	$212,000	3,586
Total noninterest expense	$3,560,000	2,640
Salaries and employee benefits	$2,083,000	2,371
Premises and equipment expense	$570,000	2,050
Additional noninterest expense	$907,000	3,370
Pre-tax net operating income	$-394,000	6,751
Securities gains (losses)	$-18,000	6,976
Applicable income taxes	$7,000	4,344
Income before extraordinary items	$-419,000	6,834
Extraordinary gains, net	$0	19
Net income	$-419,000	6,835
Minority interest net income	$0	84
Net income of bank and minority interests.	$-419,000	6,835
Net charge-offs	$1,225,000	989
Cash dividends	$218,000	2,448
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$-401,000	6,774
2012-03-31 (YTD Data)		Rank
Total interest income	$2,415,000	2,751
Total interest expense	$503,000	2,365
Net interest income	$1,912,000	2,824
Provision for loan and lease losses	$233,000	1,819
Total noninterest income	$453,000	2,304
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$327,000	1,071
Trading account gains and fees	$0	148
Additional Noninterest Income	$126,000	3,334
Total noninterest expense	$1,766,000	2,653
Salaries and employee benefits	$1,032,000	2,404
Premises and equipment expense	$273,000	2,126
Additional noninterest expense	$461,000	3,291
Pre-tax net operating income	$366,000	3,471
Securities gains (losses)	$0	2,210
Applicable income taxes	$20,000	3,671
Income before extraordinary items	$346,000	3,372
Extraordinary gains, net	$0	19
Net income	$346,000	3,375
Minority interest net income	$0	78
Net income of bank and minority interests.	$346,000	3,375
Net charge-offs	$77,000	2,677
Cash dividends	$218,000	1,524
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$346,000	3,204
2011-12-31 (YTD Data)		Rank
Total interest income	$10,323,000	2,692
Total interest expense	$2,338,000	2,449
Net interest income	$7,985,000	2,741
Provision for loan and lease losses	$807,000	2,733
Total noninterest income	$1,717,000	2,241
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$1,520,000	967
Trading account gains and fees	$0	146
Additional Noninterest Income	$197,000	4,480
Total noninterest expense	$7,132,000	2,627
Salaries and employee benefits	$4,084,000	2,357
Premises and equipment expense	$1,066,000	2,278
Additional noninterest expense	$1,982,000	3,159
Pre-tax net operating income	$1,763,000	2,749
Securities gains (losses)	$58,000	2,480
Applicable income taxes	$87,000	3,451
Income before extraordinary items	$1,734,000	2,508
Extraordinary gains, net	$0	29
Net income	$1,734,000	2,508
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,734,000	2,509
Net charge-offs	$1,058,000	2,289
Cash dividends	$145,000	3,589
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,678,900	2,481
2011-09-30 (YTD Data)		Rank
Total interest income	$7,828,000	2,695
Total interest expense	$1,799,000	2,487
Net interest income	$6,029,000	2,725
Provision for loan and lease losses	$460,000	2,985
Total noninterest income	$1,381,000	2,132
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$1,154,000	953
Trading account gains and fees	$0	145
Additional Noninterest Income	$227,000	3,904
Total noninterest expense	$5,282,000	2,661
Salaries and employee benefits	$2,970,000	2,425
Premises and equipment expense	$803,000	2,294
Additional noninterest expense	$1,509,000	3,141
Pre-tax net operating income	$1,668,000	2,383
Securities gains (losses)	$23,000	2,749
Applicable income taxes	$54,000	3,585
Income before extraordinary items	$1,637,000	2,165
Extraordinary gains, net	$0	21
Net income	$1,637,000	2,165
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,637,000	2,166
Net charge-offs	$189,000	3,776
Cash dividends	$145,000	2,935
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,614,690	2,095
2011-06-30 (YTD Data)		Rank
Total interest income	$5,170,000	2,731
Total interest expense	$1,237,000	2,488
Net interest income	$3,933,000	2,782
Provision for loan and lease losses	$305,000	2,926
Total noninterest income	$891,000	2,160
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$771,000	952
Trading account gains and fees	$0	153
Additional Noninterest Income	$120,000	4,300
Total noninterest expense	$3,631,000	2,595
Salaries and employee benefits	$2,042,000	2,377
Premises and equipment expense	$532,000	2,332
Additional noninterest expense	$1,057,000	3,063
Pre-tax net operating income	$888,000	2,733
Securities gains (losses)	$1,000	2,791
Applicable income taxes	$31,000	3,615
Income before extraordinary items	$858,000	2,553
Extraordinary gains, net	$0	15
Net income	$858,000	2,553
Minority interest net income	$0	89
Net income of bank and minority interests.	$858,000	2,553
Net charge-offs	$118,000	3,680
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$857,030	2,472
2011-03-31 (YTD Data)		Rank
Total interest income	$2,519,000	2,805
Total interest expense	$655,000	2,465
Net interest income	$1,864,000	2,898
Provision for loan and lease losses	$210,000	2,372
Total noninterest income	$479,000	2,061
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$369,000	970
Trading account gains and fees	$0	158
Additional Noninterest Income	$110,000	3,402
Total noninterest expense	$1,795,000	2,648
Salaries and employee benefits	$955,000	2,535
Premises and equipment expense	$282,000	2,252
Additional noninterest expense	$558,000	2,912
Pre-tax net operating income	$338,000	3,303
Securities gains (losses)	$0	1,772
Applicable income taxes	$8,000	3,871
Income before extraordinary items	$330,000	3,039
Extraordinary gains, net	$0	9
Net income	$330,000	3,038
Minority interest net income	$0	86
Net income of bank and minority interests.	$330,000	3,039
Net charge-offs	$33,000	3,690
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$330,000	2,983
2010-12-31 (YTD Data)		Rank
Total interest income	$10,324,000	2,881
Total interest expense	$3,001,000	2,603
Net interest income	$7,323,000	2,962
Provision for loan and lease losses	$1,655,000	2,324
Total noninterest income	$2,077,000	2,035
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,733,000	880
Trading account gains and fees	$0	175
Additional Noninterest Income	$344,000	3,745
Total noninterest expense	$6,826,000	2,784
Salaries and employee benefits	$3,815,000	2,517
Premises and equipment expense	$1,121,000	2,252
Additional noninterest expense	$1,890,000	3,407
Pre-tax net operating income	$919,000	3,526
Securities gains (losses)	$259,000	1,383
Applicable income taxes	$50,000	3,635
Income before extraordinary items	$1,128,000	3,014
Extraordinary gains, net	$0	29
Net income	$1,128,000	3,011
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,128,000	3,014
Net charge-offs	$1,182,000	2,457
Cash dividends	$933,000	1,572
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$879,360	3,337
2010-09-30 (YTD Data)		Rank
Total interest income	$7,715,000	2,949
Total interest expense	$2,277,000	2,667
Net interest income	$5,438,000	3,021
Provision for loan and lease losses	$1,208,000	2,266
Total noninterest income	$1,619,000	1,977
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$1,327,000	888
Trading account gains and fees	$0	165
Additional Noninterest Income	$292,000	3,587
Total noninterest expense	$5,072,000	2,804
Salaries and employee benefits	$2,889,000	2,510
Premises and equipment expense	$796,000	2,396
Additional noninterest expense	$1,387,000	3,439
Pre-tax net operating income	$777,000	3,520
Securities gains (losses)	$41,000	2,543
Applicable income taxes	$24,000	3,911
Income before extraordinary items	$794,000	3,297
Extraordinary gains, net	$0	23
Net income	$794,000	3,295
Minority interest net income	$0	110
Net income of bank and minority interests.	$794,000	3,297
Net charge-offs	$743,000	2,566
Cash dividends	$933,000	1,108
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$754,230	3,242
2010-06-30 (YTD Data)		Rank
Total interest income	$5,071,000	3,011
Total interest expense	$1,517,000	2,762
Net interest income	$3,554,000	3,076
Provision for loan and lease losses	$300,000	3,591
Total noninterest income	$1,043,000	1,989
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$851,000	930
Trading account gains and fees	$0	152
Additional Noninterest Income	$192,000	3,565
Total noninterest expense	$3,340,000	2,842
Salaries and employee benefits	$1,907,000	2,541
Premises and equipment expense	$520,000	2,451
Additional noninterest expense	$913,000	3,456
Pre-tax net operating income	$957,000	2,462
Securities gains (losses)	$-10,000	7,312
Applicable income taxes	$16,000	3,895
Income before extraordinary items	$931,000	2,245
Extraordinary gains, net	$0	19
Net income	$931,000	2,244
Minority interest net income	$0	105
Net income of bank and minority interests.	$931,000	2,247
Net charge-offs	$441,000	2,590
Cash dividends	$518,000	1,282
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$940,800	2,150
2010-03-31 (YTD Data)		Rank
Total interest income	$2,465,000	3,139
Total interest expense	$756,000	2,891
Net interest income	$1,709,000	3,201
Provision for loan and lease losses	$150,000	3,336
Total noninterest income	$451,000	2,189
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$349,000	1,119
Trading account gains and fees	$0	175
Additional Noninterest Income	$102,000	3,485
Total noninterest expense	$1,728,000	2,798
Salaries and employee benefits	$1,035,000	2,391
Premises and equipment expense	$254,000	2,562
Additional noninterest expense	$439,000	3,550
Pre-tax net operating income	$282,000	3,465
Securities gains (losses)	$-10,000	7,504
Applicable income taxes	$8,000	3,919
Income before extraordinary items	$264,000	3,380
Extraordinary gains, net	$0	16
Net income	$264,000	3,378
Minority interest net income	$0	91
Net income of bank and minority interests.	$264,000	3,380
Net charge-offs	$237,000	2,262
Cash dividends	$120,000	1,762
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$273,700	3,207
2009-12-31 (YTD Data)		Rank
Total interest income	$10,541,000	3,103
Total interest expense	$3,767,000	2,871
Net interest income	$6,774,000	3,134
Provision for loan and lease losses	$490,000	4,578
Total noninterest income	$1,866,000	2,224
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,203,000	1,428
Trading account gains and fees	$0	211
Additional Noninterest Income	$663,000	2,746
Total noninterest expense	$6,588,000	2,952
Salaries and employee benefits	$3,681,000	2,652
Premises and equipment expense	$1,031,000	2,509
Additional noninterest expense	$1,876,000	3,489
Pre-tax net operating income	$1,562,000	2,293
Securities gains (losses)	$-66,000	7,224
Applicable income taxes	$61,000	3,161
Income before extraordinary items	$1,435,000	2,183
Extraordinary gains, net	$0	34
Net income	$1,435,000	2,180
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,435,000	2,182
Net charge-offs	$242,000	4,764
Cash dividends	$426,000	2,759
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,498,360	2,088
2009-09-30 (YTD Data)		Rank
Total interest income	$7,944,000	3,130
Total interest expense	$2,966,000	2,887
Net interest income	$4,978,000	3,207
Provision for loan and lease losses	$340,000	4,414
Total noninterest income	$1,209,000	2,489
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$889,000	1,445
Trading account gains and fees	$0	212
Additional Noninterest Income	$320,000	3,518
Total noninterest expense	$5,037,000	2,893
Salaries and employee benefits	$2,850,000	2,582
Premises and equipment expense	$766,000	2,559
Additional noninterest expense	$1,421,000	3,417
Pre-tax net operating income	$810,000	3,091
Securities gains (losses)	$-44,000	7,365
Applicable income taxes	$6,000	4,171
Income before extraordinary items	$760,000	2,965
Extraordinary gains, net	$0	27
Net income	$760,000	2,964
Minority interest net income	$0	118
Net income of bank and minority interests.	$760,000	2,966
Net charge-offs	$207,000	4,213
Cash dividends	$326,000	2,526
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$803,560	2,802
2009-06-30 (YTD Data)		Rank
Total interest income	$5,314,000	3,146
Total interest expense	$2,062,000	2,894
Net interest income	$3,252,000	3,234
Provision for loan and lease losses	$210,000	4,245
Total noninterest income	$796,000	2,523
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$559,000	1,494
Trading account gains and fees	$0	193
Additional Noninterest Income	$237,000	3,388
Total noninterest expense	$3,272,000	2,990
Salaries and employee benefits	$1,891,000	2,629
Premises and equipment expense	$485,000	2,709
Additional noninterest expense	$896,000	3,565
Pre-tax net operating income	$566,000	3,109
Securities gains (losses)	$-128,000	7,725
Applicable income taxes	$-3,000	6,729
Income before extraordinary items	$441,000	3,322
Extraordinary gains, net	$0	21
Net income	$441,000	3,317
Minority interest net income	$0	112
Net income of bank and minority interests.	$441,000	3,320
Net charge-offs	$195,000	3,449
Cash dividends	$240,000	2,484
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$569,000	2,750
2009-03-31 (YTD Data)		Rank
Total interest income	$2,683,000	3,153
Total interest expense	$1,079,000	2,882
Net interest income	$1,604,000	3,260
Provision for loan and lease losses	$105,000	3,786
Total noninterest income	$365,000	2,665
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$261,000	1,552
Trading account gains and fees	$0	171
Additional Noninterest Income	$104,000	3,605
Total noninterest expense	$1,623,000	2,924
Salaries and employee benefits	$1,013,000	2,519
Premises and equipment expense	$237,000	2,801
Additional noninterest expense	$373,000	3,775
Pre-tax net operating income	$241,000	3,701
Securities gains (losses)	$6,000	2,034
Applicable income taxes	$9,000	4,029
Income before extraordinary items	$238,000	3,543
Extraordinary gains, net	$0	15
Net income	$238,000	3,543
Minority interest net income	$0	102
Net income of bank and minority interests.	$238,000	3,544
Net charge-offs	$-9,000	7,845
Cash dividends	$120,000	2,106
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$232,240	3,458
2008-12-31 (YTD Data)		Rank
Total interest income	$12,325,000	2,964
Total interest expense	$5,072,000	2,927
Net interest income	$7,253,000	2,951
Provision for loan and lease losses	$250,000	4,899
Total noninterest income	$1,582,000	2,526
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,150,000	1,556
Trading account gains and fees	$0	154
Additional Noninterest Income	$432,000	3,448
Total noninterest expense	$6,200,000	2,984
Salaries and employee benefits	$3,569,000	2,773
Premises and equipment expense	$971,000	2,700
Additional noninterest expense	$1,660,000	3,358
Pre-tax net operating income	$2,385,000	2,171
Securities gains (losses)	$-1,586,000	7,833
Applicable income taxes	$13,000	4,449
Income before extraordinary items	$786,000	3,739
Extraordinary gains, net	$0	39
Net income	$786,000	3,739
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$367,000	3,247
Cash dividends	$1,320,000	1,908
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,340,280	1,825
2008-09-30 (YTD Data)		Rank
Total interest income	$9,430,000	2,977
Total interest expense	$3,905,000	2,965
Net interest income	$5,525,000	2,936
Provision for loan and lease losses	$145,000	4,670
Total noninterest income	$1,188,000	2,605
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$852,000	1,579
Trading account gains and fees	$0	148
Additional Noninterest Income	$336,000	3,483
Total noninterest expense	$4,798,000	2,878
Salaries and employee benefits	$2,840,000	2,673
Premises and equipment expense	$723,000	2,716
Additional noninterest expense	$1,235,000	3,306
Pre-tax net operating income	$1,770,000	2,509
Securities gains (losses)	$-1,499,000	7,994
Applicable income taxes	$-16,000	7,330
Income before extraordinary items	$287,000	5,273
Extraordinary gains, net	$0	31
Net income	$287,000	5,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$125,000	3,676
Cash dividends	$1,200,000	1,582
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,786,000	2,071
2008-06-30 (YTD Data)		Rank
Total interest income	$6,405,000	2,959
Total interest expense	$2,706,000	2,979
Net interest income	$3,699,000	2,916
Provision for loan and lease losses	$90,000	4,395
Total noninterest income	$794,000	2,620
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$549,000	1,614
Trading account gains and fees	$0	149
Additional Noninterest Income	$245,000	3,385
Total noninterest expense	$3,241,000	2,844
Salaries and employee benefits	$1,880,000	2,714
Premises and equipment expense	$486,000	2,705
Additional noninterest expense	$875,000	3,089
Pre-tax net operating income	$1,162,000	2,643
Securities gains (losses)	$-5,000	8,053
Applicable income taxes	$52,000	4,033
Income before extraordinary items	$1,105,000	2,368
Extraordinary gains, net	$0	21
Net income	$1,105,000	2,368
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	3,593
Cash dividends	$880,000	1,582
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,109,800	2,314
2008-03-31 (YTD Data)		Rank
Total interest income	$3,324,000	2,937
Total interest expense	$1,428,000	3,014
Net interest income	$1,896,000	2,837
Provision for loan and lease losses	$60,000	3,470
Total noninterest income	$407,000	2,566
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$256,000	1,696
Trading account gains and fees	$0	158
Additional Noninterest Income	$151,000	3,028
Total noninterest expense	$1,473,000	3,114
Salaries and employee benefits	$894,000	2,846
Premises and equipment expense	$230,000	2,853
Additional noninterest expense	$349,000	3,682
Pre-tax net operating income	$770,000	2,241
Securities gains (losses)	$4,000	2,294
Applicable income taxes	$24,000	4,234
Income before extraordinary items	$750,000	1,913
Extraordinary gains, net	$0	15
Net income	$750,000	1,915
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	2,189
Cash dividends	$560,000	1,237
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$746,120	1,858
2007-12-31 (YTD Data)		Rank
Total interest income	$12,546,000	3,166
Total interest expense	$5,289,000	3,324
Net interest income	$7,257,000	3,000
Provision for loan and lease losses	$250,000	3,497
Total noninterest income	$1,321,000	2,946
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,013,000	1,746
Trading account gains and fees	$0	178
Additional Noninterest Income	$308,000	4,192
Total noninterest expense	$5,865,000	3,021
Salaries and employee benefits	$3,312,000	2,969
Premises and equipment expense	$984,000	2,611
Additional noninterest expense	$1,569,000	3,291
Pre-tax net operating income	$2,463,000	2,855
Securities gains (losses)	$12,000	1,280
Applicable income taxes	$126,000	4,290
Income before extraordinary items	$2,349,000	2,505
Extraordinary gains, net	$0	39
Net income	$2,349,000	2,504
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	3,946
Cash dividends	$1,400,000	2,102
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,337,600	2,506
2007-09-30 (YTD Data)		Rank
Total interest income	$9,175,000	3,238
Total interest expense	$3,815,000	3,422
Net interest income	$5,360,000	3,040
Provision for loan and lease losses	$185,000	3,112
Total noninterest income	$969,000	2,984
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$741,000	1,763
Trading account gains and fees	$0	184
Additional Noninterest Income	$228,000	4,247
Total noninterest expense	$3,891,000	3,317
Salaries and employee benefits	$2,032,000	3,485
Premises and equipment expense	$717,000	2,657
Additional noninterest expense	$1,142,000	3,320
Pre-tax net operating income	$2,253,000	2,619
Securities gains (losses)	$3,000	1,317
Applicable income taxes	$75,000	4,666
Income before extraordinary items	$2,181,000	2,206
Extraordinary gains, net	$0	33
Net income	$2,181,000	2,204
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	3,856
Cash dividends	$1,280,000	1,700
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,178,090	2,198
2007-06-30 (YTD Data)		Rank
Total interest income	$5,871,000	3,353
Total interest expense	$2,408,000	3,558
Net interest income	$3,463,000	3,158
Provision for loan and lease losses	$90,000	3,429
Total noninterest income	$657,000	2,955
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$496,000	1,757
Trading account gains and fees	$0	168
Additional Noninterest Income	$161,000	4,188
Total noninterest expense	$2,602,000	3,347
Salaries and employee benefits	$1,357,000	3,516
Premises and equipment expense	$464,000	2,741
Additional noninterest expense	$781,000	3,259
Pre-tax net operating income	$1,428,000	2,770
Securities gains (losses)	$3,000	1,133
Applicable income taxes	$26,000	5,192
Income before extraordinary items	$1,405,000	2,323
Extraordinary gains, net	$0	29
Net income	$1,405,000	2,322
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	3,770
Cash dividends	$980,000	1,579
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,402,060	2,311
2007-03-31 (YTD Data)		Rank
Total interest income	$2,832,000	3,446
Total interest expense	$1,161,000	3,617
Net interest income	$1,671,000	3,251
Provision for loan and lease losses	$45,000	3,197
Total noninterest income	$339,000	2,873
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$245,000	1,739
Trading account gains and fees	$0	195
Additional Noninterest Income	$94,000	3,856
Total noninterest expense	$1,119,000	3,782
Salaries and employee benefits	$597,000	3,908
Premises and equipment expense	$219,000	2,892
Additional noninterest expense	$303,000	3,941
Pre-tax net operating income	$846,000	2,470
Securities gains (losses)	$0	1,187
Applicable income taxes	$22,000	4,858
Income before extraordinary items	$824,000	2,012
Extraordinary gains, net	$0	22
Net income	$824,000	2,012
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	2,916
Cash dividends	$610,000	1,205
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$824,000	2,002
2006-12-31 (YTD Data)		Rank
Total interest income	$10,358,000	3,483
Total interest expense	$3,737,000	3,756
Net interest income	$6,621,000	3,266
Provision for loan and lease losses	$180,000	3,697
Total noninterest income	$1,282,000	2,994
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,058,000	1,673
Trading account gains and fees	$0	130
Additional Noninterest Income	$224,000	4,902
Total noninterest expense	$5,539,000	3,063
Salaries and employee benefits	$3,084,000	3,058
Premises and equipment expense	$904,000	2,707
Additional noninterest expense	$1,551,000	3,213
Pre-tax net operating income	$2,184,000	3,445
Securities gains (losses)	$29,000	809
Applicable income taxes	$184,000	4,382
Income before extraordinary items	$2,029,000	3,066
Extraordinary gains, net	$0	51
Net income	$2,029,000	3,067
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	3,237
Cash dividends	$1,487,000	1,956
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,002,320	3,091
2006-09-30 (YTD Data)		Rank
Total interest income	$7,570,000	3,530
Total interest expense	$2,649,000	3,822
Net interest income	$4,921,000	3,312
Provision for loan and lease losses	$135,000	3,558
Total noninterest income	$963,000	3,003
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$793,000	1,671
Trading account gains and fees	$0	126
Additional Noninterest Income	$170,000	4,884
Total noninterest expense	$3,565,000	3,478
Salaries and employee benefits	$1,929,000	3,545
Premises and equipment expense	$568,000	3,141
Additional noninterest expense	$1,068,000	3,435
Pre-tax net operating income	$2,184,000	2,942
Securities gains (losses)	$20,000	742
Applicable income taxes	$176,000	4,302
Income before extraordinary items	$2,028,000	2,538
Extraordinary gains, net	$0	45
Net income	$2,028,000	2,540
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	3,204
Cash dividends	$1,367,000	1,565
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,009,600	2,541
2006-06-30 (YTD Data)		Rank
Total interest income	$4,901,000	3,546
Total interest expense	$1,651,000	3,873
Net interest income	$3,250,000	3,344
Provision for loan and lease losses	$90,000	3,463
Total noninterest income	$662,000	2,933
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$529,000	1,657
Trading account gains and fees	$0	126
Additional Noninterest Income	$133,000	4,544
Total noninterest expense	$2,437,000	3,412
Salaries and employee benefits	$1,348,000	3,431
Premises and equipment expense	$359,000	3,262
Additional noninterest expense	$730,000	3,355
Pre-tax net operating income	$1,385,000	3,051
Securities gains (losses)	$20,000	602
Applicable income taxes	$134,000	4,161
Income before extraordinary items	$1,271,000	2,660
Extraordinary gains, net	$0	39
Net income	$1,271,000	2,662
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	2,304
Cash dividends	$1,080,000	1,347
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,253,000	2,687
2006-03-31 (YTD Data)		Rank
Total interest income	$2,376,000	3,565
Total interest expense	$769,000	3,925
Net interest income	$1,607,000	3,347
Provision for loan and lease losses	$45,000	3,261
Total noninterest income	$324,000	2,929
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$241,000	1,748
Trading account gains and fees	$0	115
Additional Noninterest Income	$83,000	4,074
Total noninterest expense	$1,140,000	3,622
Salaries and employee benefits	$615,000	3,690
Premises and equipment expense	$183,000	3,224
Additional noninterest expense	$342,000	3,506
Pre-tax net operating income	$746,000	2,848
Securities gains (losses)	$0	955
Applicable income taxes	$107,000	3,507
Income before extraordinary items	$639,000	2,619
Extraordinary gains, net	$0	21
Net income	$639,000	2,619
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	8,173
Cash dividends	$420,000	1,552
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$639,000	2,598
2005-12-31 (YTD Data)		Rank
Total interest income	$8,890,000	3,458
Total interest expense	$2,572,000	3,733
Net interest income	$6,318,000	3,289
Provision for loan and lease losses	$144,000	4,215
Total noninterest income	$1,183,000	3,173
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$1,018,000	1,702
Trading account gains and fees	$0	138
Additional Noninterest Income	$165,000	5,562
Total noninterest expense	$5,015,000	3,234
Salaries and employee benefits	$2,989,000	2,966
Premises and equipment expense	$610,000	3,608
Additional noninterest expense	$1,416,000	3,378
Pre-tax net operating income	$2,342,000	3,296
Securities gains (losses)	$8,000	1,546
Applicable income taxes	$629,000	2,992
Income before extraordinary items	$1,721,000	3,474
Extraordinary gains, net	$0	46
Net income	$1,721,000	3,475
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,000	3,047
Cash dividends	$1,490,000	1,842
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,715,160	3,445
2005-09-30 (YTD Data)		Rank
Total interest income	$6,507,000	3,470
Total interest expense	$1,858,000	3,707
Net interest income	$4,649,000	3,331
Provision for loan and lease losses	$108,000	4,052
Total noninterest income	$924,000	3,080
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$764,000	1,688
Trading account gains and fees	$0	126
Additional Noninterest Income	$160,000	5,073
Total noninterest expense	$3,423,000	3,460
Salaries and employee benefits	$1,936,000	3,372
Premises and equipment expense	$470,000	3,519
Additional noninterest expense	$1,017,000	3,461
Pre-tax net operating income	$2,042,000	3,007
Securities gains (losses)	$6,000	1,641
Applicable income taxes	$605,000	2,620
Income before extraordinary items	$1,443,000	3,226
Extraordinary gains, net	$0	35
Net income	$1,443,000	3,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	2,609
Cash dividends	$360,000	3,258
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,438,800	3,196
2005-06-30 (YTD Data)		Rank
Total interest income	$4,233,000	3,464
Total interest expense	$1,200,000	3,616
Net interest income	$3,033,000	3,379
Provision for loan and lease losses	$72,000	3,910
Total noninterest income	$596,000	3,115
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$493,000	1,707
Trading account gains and fees	$0	116
Additional Noninterest Income	$103,000	5,124
Total noninterest expense	$2,314,000	3,399
Salaries and employee benefits	$1,319,000	3,283
Premises and equipment expense	$318,000	3,457
Additional noninterest expense	$677,000	3,449
Pre-tax net operating income	$1,243,000	3,161
Securities gains (losses)	$0	2,146
Applicable income taxes	$344,000	2,856
Income before extraordinary items	$899,000	3,364
Extraordinary gains, net	$0	30
Net income	$899,000	3,366
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	2,257
Cash dividends	$240,000	3,277
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$899,000	3,309
2005-03-31 (YTD Data)		Rank
Total interest income	$2,053,000	3,514
Total interest expense	$584,000	3,579
Net interest income	$1,469,000	3,457
Provision for loan and lease losses	$36,000	3,732
Total noninterest income	$267,000	3,327
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$233,000	1,747
Trading account gains and fees	$0	115
Additional Noninterest Income	$34,000	5,945
Total noninterest expense	$1,111,000	3,538
Salaries and employee benefits	$619,000	3,475
Premises and equipment expense	$166,000	3,360
Additional noninterest expense	$326,000	3,557
Pre-tax net operating income	$589,000	3,267
Securities gains (losses)	$0	1,685
Applicable income taxes	$159,000	3,012
Income before extraordinary items	$430,000	3,434
Extraordinary gains, net	$0	24
Net income	$430,000	3,435
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,779
Cash dividends	$120,000	2,766
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$430,000	3,403
2004-12-31 (YTD Data)		Rank
Total interest income	$8,389,000	3,289
Total interest expense	$2,116,000	3,480
Net interest income	$6,273,000	3,176
Provision for loan and lease losses	$144,000	4,341
Total noninterest income	$866,000	3,858
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$649,000	2,539
Trading account gains and fees	$0	138
Additional Noninterest Income	$217,000	4,934
Total noninterest expense	$4,806,000	3,235
Salaries and employee benefits	$2,884,000	2,937
Premises and equipment expense	$651,000	3,318
Additional noninterest expense	$1,271,000	3,583
Pre-tax net operating income	$2,189,000	3,308
Securities gains (losses)	$39,000	1,925
Applicable income taxes	$579,000	3,093
Income before extraordinary items	$1,649,000	3,398
Extraordinary gains, net	$0	34
Net income	$1,649,000	3,397
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	2,861
Cash dividends	$480,000	3,623
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,620,140	3,368
2004-09-30 (YTD Data)		Rank
Total interest income	$6,238,000	3,285
Total interest expense	$1,561,000	3,493
Net interest income	$4,677,000	3,174
Provision for loan and lease losses	$108,000	4,154
Total noninterest income	$675,000	3,824
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$493,000	2,527
Trading account gains and fees	$0	134
Additional Noninterest Income	$182,000	4,696
Total noninterest expense	$3,316,000	3,440
Salaries and employee benefits	$1,897,000	3,292
Premises and equipment expense	$463,000	3,467
Additional noninterest expense	$956,000	3,552
Pre-tax net operating income	$1,928,000	2,976
Securities gains (losses)	$12,000	2,612
Applicable income taxes	$530,000	2,805
Income before extraordinary items	$1,410,000	3,122
Extraordinary gains, net	$0	26
Net income	$1,410,000	3,123
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	3,941
Cash dividends	$360,000	3,173
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,401,240	3,066
2004-06-30 (YTD Data)		Rank
Total interest income	$4,145,000	3,296
Total interest expense	$1,030,000	3,526
Net interest income	$3,115,000	3,175
Provision for loan and lease losses	$72,000	4,068
Total noninterest income	$426,000	3,949
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$316,000	2,607
Trading account gains and fees	$0	130
Additional Noninterest Income	$110,000	4,970
Total noninterest expense	$2,257,000	3,408
Salaries and employee benefits	$1,299,000	3,217
Premises and equipment expense	$311,000	3,442
Additional noninterest expense	$647,000	3,523
Pre-tax net operating income	$1,212,000	3,089
Securities gains (losses)	$-8,000	8,658
Applicable income taxes	$356,000	2,772
Income before extraordinary items	$848,000	3,372
Extraordinary gains, net	$0	21
Net income	$848,000	3,372
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	3,012
Cash dividends	$240,000	3,198
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$853,600	3,251
2004-03-31 (YTD Data)		Rank
Total interest income	$2,029,000	3,360
Total interest expense	$514,000	3,554
Net interest income	$1,515,000	3,233
Provision for loan and lease losses	$36,000	3,870
Total noninterest income	$233,000	3,683
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$144,000	2,765
Trading account gains and fees	$0	121
Additional Noninterest Income	$89,000	3,959
Total noninterest expense	$1,054,000	3,609
Salaries and employee benefits	$587,000	3,540
Premises and equipment expense	$149,000	3,610
Additional noninterest expense	$318,000	3,565
Pre-tax net operating income	$658,000	2,844
Securities gains (losses)	$0	2,934
Applicable income taxes	$111,000	3,616
Income before extraordinary items	$547,000	2,724
Extraordinary gains, net	$0	16
Net income	$547,000	2,724
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$120,000	2,702
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$547,000	2,626
2003-12-31 (YTD Data)		Rank
Total interest income	$8,055,000	3,421
Total interest expense	$2,377,000	3,480
Net interest income	$5,678,000	3,333
Provision for loan and lease losses	$180,000	4,206
Total noninterest income	$1,112,000	3,483
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$898,000	1,920
Trading account gains and fees	$0	160
Additional Noninterest Income	$214,000	5,155
Total noninterest expense	$4,521,000	3,332
Salaries and employee benefits	$2,847,000	2,902
Premises and equipment expense	$525,000	3,915
Additional noninterest expense	$1,149,000	3,853
Pre-tax net operating income	$2,089,000	3,297
Securities gains (losses)	$50,000	2,510
Applicable income taxes	$539,000	3,251
Income before extraordinary items	$1,600,000	3,414
Extraordinary gains, net	$0	54
Net income	$1,600,000	3,413
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	4,205
Cash dividends	$440,000	3,767
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,562,500	3,289
2003-09-30 (YTD Data)		Rank
Total interest income	$6,000,000	3,493
Total interest expense	$1,854,000	3,480
Net interest income	$4,146,000	3,417
Provision for loan and lease losses	$135,000	4,077
Total noninterest income	$913,000	3,334
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$725,000	1,785
Trading account gains and fees	$0	153
Additional Noninterest Income	$188,000	4,918
Total noninterest expense	$3,013,000	3,696
Salaries and employee benefits	$1,850,000	3,301
Premises and equipment expense	$375,000	4,049
Additional noninterest expense	$788,000	4,103
Pre-tax net operating income	$1,911,000	2,938
Securities gains (losses)	$50,000	2,306
Applicable income taxes	$546,000	2,868
Income before extraordinary items	$1,415,000	3,103
Extraordinary gains, net	$0	40
Net income	$1,415,000	3,102
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	4,155
Cash dividends	$320,000	3,374
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,379,000	3,004
2003-06-30 (YTD Data)		Rank
Total interest income	$3,984,000	3,532
Total interest expense	$1,293,000	3,454
Net interest income	$2,691,000	3,496
Provision for loan and lease losses	$90,000	4,018
Total noninterest income	$627,000	3,237
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$492,000	1,721
Trading account gains and fees	$0	150
Additional Noninterest Income	$135,000	4,758
Total noninterest expense	$2,010,000	3,685
Salaries and employee benefits	$1,189,000	3,388
Premises and equipment expense	$261,000	3,912
Additional noninterest expense	$560,000	3,904
Pre-tax net operating income	$1,218,000	3,055
Securities gains (losses)	$0	3,782
Applicable income taxes	$365,000	2,879
Income before extraordinary items	$853,000	3,340
Extraordinary gains, net	$0	30
Net income	$853,000	3,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$200,000	3,438
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$853,000	3,167
2003-03-31 (YTD Data)		Rank
Total interest income	$1,970,000	3,571
Total interest expense	$663,000	3,465
Net interest income	$1,307,000	3,565
Provision for loan and lease losses	$45,000	3,818
Total noninterest income	$317,000	3,125
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$226,000	1,811
Trading account gains and fees	$0	134
Additional Noninterest Income	$91,000	4,102
Total noninterest expense	$1,011,000	3,628
Salaries and employee benefits	$615,000	3,286
Premises and equipment expense	$113,000	4,362
Additional noninterest expense	$283,000	3,827
Pre-tax net operating income	$568,000	3,206
Securities gains (losses)	$0	2,891
Applicable income taxes	$134,000	3,424
Income before extraordinary items	$434,000	3,269
Extraordinary gains, net	$0	21
Net income	$434,000	3,267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,386
Cash dividends	$100,000	2,874
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$434,000	3,100
2002-12-31 (YTD Data)		Rank
Total interest income	$8,357,000	3,516
Total interest expense	$3,084,000	3,469
Net interest income	$5,273,000	3,498
Provision for loan and lease losses	$240,000	3,935
Total noninterest income	$1,123,000	3,209
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$922,000	1,737
Trading account gains and fees	$0	153
Additional Noninterest Income	$201,000	5,023
Total noninterest expense	$4,287,000	3,361
Salaries and employee benefits	$2,614,000	3,004
Premises and equipment expense	$577,000	3,527
Additional noninterest expense	$1,096,000	3,894
Pre-tax net operating income	$1,869,000	3,584
Securities gains (losses)	$6,000	3,879
Applicable income taxes	$485,000	3,507
Income before extraordinary items	$1,390,000	3,703
Extraordinary gains, net	$0	70
Net income	$1,390,000	3,703
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	4,612
Cash dividends	$400,000	3,806
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,385,560	3,602
2001-12-31 (YTD Data)		Rank
Total interest income	$9,106,000	3,608
Total interest expense	$4,559,000	3,411
Net interest income	$4,547,000	3,724
Provision for loan and lease losses	$305,000	3,160
Total noninterest income	$1,031,000	3,267
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$842,000	1,809
Trading account gains and fees	$0	177
Additional Noninterest Income	$189,000	5,052
Total noninterest expense	$4,170,000	3,304
Salaries and employee benefits	$2,542,000	2,904
Premises and equipment expense	$553,000	3,592
Additional noninterest expense	$1,075,000	3,832
Pre-tax net operating income	$1,103,000	4,646
Securities gains (losses)	$69,000	2,061
Applicable income taxes	$287,000	4,355
Income before extraordinary items	$885,000	4,614
Extraordinary gains, net	$0	105
Net income	$885,000	4,616
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	3,179
Cash dividends	$400,000	3,838
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$832,560	4,652
2000-12-31 (YTD Data)		Rank
Total interest income	$9,183,000	3,672
Total interest expense	$4,663,000	3,512
Net interest income	$4,520,000	3,779
Provision for loan and lease losses	$215,000	3,578
Total noninterest income	$917,000	3,343
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$718,000	1,923
Trading account gains and fees	$0	180
Additional Noninterest Income	$199,000	4,817
Total noninterest expense	$3,589,000	3,621
Salaries and employee benefits	$2,174,000	3,226
Premises and equipment expense	$483,000	3,895
Additional noninterest expense	$932,000	4,225
Pre-tax net operating income	$1,633,000	3,831
Securities gains (losses)	$-2,000	7,578
Applicable income taxes	$363,000	4,198
Income before extraordinary items	$1,268,000	3,707
Extraordinary gains, net	$0	38
Net income	$1,268,000	3,707
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$141,000	2,977
Cash dividends	$400,000	3,920
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,269,560	3,691
1999-12-31 (YTD Data)		Rank
Total interest income	$8,577,000	3,661
Total interest expense	$4,028,000	3,572
Net interest income	$4,549,000	3,748
Provision for loan and lease losses	$90,000	5,432
Total noninterest income	$706,000	3,974
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$598,000	2,244
Trading account gains and fees	$0	173
Additional Noninterest Income	$108,000	6,454
Total noninterest expense	$3,342,000	3,855
Salaries and employee benefits	$2,037,000	3,383
Premises and equipment expense	$412,000	4,423
Additional noninterest expense	$893,000	4,406
Pre-tax net operating income	$1,823,000	3,579
Securities gains (losses)	$-4,000	9,004
Applicable income taxes	$457,000	3,820
Income before extraordinary items	$1,362,000	3,498
Extraordinary gains, net	$0	35
Net income	$1,362,000	3,498
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$166,000	2,686
Cash dividends	$400,000	3,903
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,365,000	3,454
1998-12-31 (YTD Data)		Rank
Total interest income	$8,319,000	3,802
Total interest expense	$4,146,000	3,562
Net interest income	$4,173,000	3,985
Provision for loan and lease losses	$36,000	7,078
Total noninterest income	$695,000	4,006
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$557,000	2,314
Trading account gains and fees	NA	NA
Additional Noninterest Income	$138,000	5,890
Total noninterest expense	$3,174,000	3,916
Salaries and employee benefits	$1,878,000	3,530
Premises and equipment expense	$387,000	4,543
Additional noninterest expense	$909,000	4,260
Pre-tax net operating income	$1,658,000	3,882
Securities gains (losses)	$0	4,449
Applicable income taxes	$463,000	4,049
Income before extraordinary items	$1,195,000	3,944
Extraordinary gains, net	$0	32
Net income	$1,195,000	3,943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	4,731
Cash dividends	$400,000	3,951
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,195,000	3,854
1997-12-31 (YTD Data)		Rank
Total interest income	$6,896,000	4,555
Total interest expense	$3,376,000	4,247
Net interest income	$3,520,000	4,712
Provision for loan and lease losses	$53,000	6,553
Total noninterest income	$562,000	4,624
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$434,000	3,001
Trading account gains and fees	NA	NA
Additional Noninterest Income	$128,000	6,110
Total noninterest expense	$2,595,000	4,643
Salaries and employee benefits	$1,579,000	4,062
Premises and equipment expense	$331,000	5,100
Additional noninterest expense	$685,000	5,304
Pre-tax net operating income	$1,434,000	4,652
Securities gains (losses)	$-14,000	10,204
Applicable income taxes	$396,000	4,911
Income before extraordinary items	$1,024,000	4,630
Extraordinary gains, net	$0	44
Net income	$1,024,000	4,629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	5,034
Cash dividends	$400,000	3,931
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,034,080	4,522
1996-12-31 (YTD Data)		Rank
Total interest income	$6,263,000	5,024
Total interest expense	$3,070,000	4,680
Net interest income	$3,193,000	5,203
Provision for loan and lease losses	$24,000	7,740
Total noninterest income	$645,000	4,348
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$399,000	3,345
Trading account gains and fees	NA	NA
Additional Noninterest Income	$246,000	4,581
Total noninterest expense	$2,205,000	5,533
Salaries and employee benefits	$1,272,000	4,940
Premises and equipment expense	$332,000	5,206
Additional noninterest expense	$601,000	6,350
Pre-tax net operating income	$1,609,000	4,105
Securities gains (losses)	$0	4,148
Applicable income taxes	$552,000	3,825
Income before extraordinary items	$1,057,000	4,283
Extraordinary gains, net	$0	53
Net income	$1,057,000	4,284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	6,265
Cash dividends	$380,000	4,013
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,057,000	4,227
1995-12-31 (YTD Data)		Rank
Total interest income	$5,718,000	5,422
Total interest expense	$2,915,000	4,888
Net interest income	$2,803,000	5,806
Provision for loan and lease losses	$0	8,958
Total noninterest income	$439,000	5,641
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$336,000	3,909
Trading account gains and fees	NA	NA
Additional Noninterest Income	$103,000	7,140
Total noninterest expense	$2,028,000	5,926
Salaries and employee benefits	$1,135,000	5,466
Premises and equipment expense	$280,000	5,928
Additional noninterest expense	$613,000	6,457
Pre-tax net operating income	$1,214,000	5,206
Securities gains (losses)	$0	3,831
Applicable income taxes	$368,000	5,242
Income before extraordinary items	$846,000	5,232
Extraordinary gains, net	$0	65
Net income	$846,000	5,229
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	5,247
Cash dividends	$320,000	4,365
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$846,000	5,214
1994-12-31 (YTD Data)		Rank
Total interest income	$4,820,000	5,828
Total interest expense	$2,100,000	5,390
Net interest income	$2,720,000	6,064
Provision for loan and lease losses	$0	9,146
Total noninterest income	$456,000	5,641
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$354,000	3,797
Trading account gains and fees	NA	NA
Additional Noninterest Income	$102,000	7,454
Total noninterest expense	$1,969,000	6,283
Salaries and employee benefits	$1,076,000	5,741
Premises and equipment expense	$270,000	6,171
Additional noninterest expense	$623,000	6,866
Pre-tax net operating income	$1,207,000	5,218
Securities gains (losses)	$0	3,600
Applicable income taxes	$377,000	4,980
Income before extraordinary items	$830,000	5,217
Extraordinary gains, net	$0	249
Net income	$830,000	5,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,622
Cash dividends	$320,000	4,289
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$830,000	5,269
1993-12-31 (YTD Data)		Rank
Total interest income	$4,570,000	6,232
Total interest expense	$2,096,000	5,618
Net interest income	$2,474,000	6,598
Provision for loan and lease losses	$0	10,371
Total noninterest income	$497,000	5,624
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$344,000	3,950
Trading account gains and fees	NA	NA
Additional Noninterest Income	$153,000	6,500
Total noninterest expense	$1,806,000	6,873
Salaries and employee benefits	$928,000	6,554
Premises and equipment expense	$285,000	6,106
Additional noninterest expense	$593,000	7,404
Pre-tax net operating income	$1,165,000	5,288
Securities gains (losses)	$0	7,477
Applicable income taxes	$358,000	5,405
Income before extraordinary items	$807,000	5,536
Extraordinary gains, net	$0	3,149
Net income	$807,000	5,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	7,032
Cash dividends	$320,000	4,213
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$807,000	5,292
1992-12-31 (YTD Data)		Rank
Total interest income	$5,133,000	6,259
Total interest expense	$2,496,000	6,002
Net interest income	$2,637,000	6,342
Provision for loan and lease losses	$0	11,756
Total noninterest income	$394,000	6,611
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$300,000	4,436
Trading account gains and fees	NA	NA
Additional Noninterest Income	$94,000	8,290
Total noninterest expense	$1,841,000	6,818
Salaries and employee benefits	$946,000	6,360
Premises and equipment expense	$249,000	6,794
Additional noninterest expense	$646,000	7,132
Pre-tax net operating income	$1,190,000	4,942
Securities gains (losses)	$-71,000	13,728
Applicable income taxes	$309,000	5,805
Income before extraordinary items	$810,000	5,310
Extraordinary gains, net	$0	1,422
Net income	$810,000	5,363
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-101,000	13,721
Cash dividends	$200,000	4,982
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$861,120	4,773

* 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.