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PCSB Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$94,548,000	569
Total interest expense	$31,347,000	569
Net interest income	$63,201,000	557
Provision for loan and lease losses	$16,372,000	154
Total noninterest income	$2,798,000	1,695
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$441,000	1,786
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,357,000	1,468
Total noninterest expense	$47,000,000	603
Salaries and employee benefits	$21,600,000	706
Premises and equipment expense	$6,124,000	470
Additional noninterest expense	$2,357,000	1,468
Pre-tax net operating income	$2,627,000	2,652
Securities gains (losses)	$1,704,000	52
Applicable income taxes	$1,064,000	1,402
Income before extraordinary items	$3,267,000	2,225
Extraordinary gains, net	$0	54
Net income	$3,267,000	2,249
Minority interest net income	$0	88
Net income of bank and minority interests.	$3,267,000	2,228
Net charge-offs	$-19,000	3,990
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$1,920,840	2,862
2023-09-30 (YTD Data)		Rank
Total interest income	$69,666,000	569
Total interest expense	$21,443,000	570
Net interest income	$48,223,000	558
Provision for loan and lease losses	$16,787,000	129
Total noninterest income	$1,951,000	1,760
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$314,000	1,846
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,637,000	1,528
Total noninterest expense	$35,412,000	602
Salaries and employee benefits	$16,144,000	714
Premises and equipment expense	$4,484,000	473
Additional noninterest expense	$1,637,000	1,528
Pre-tax net operating income	$-2,025,000	4,540
Securities gains (losses)	$1,704,000	33
Applicable income taxes	$-120,000	4,510
Income before extraordinary items	$-201,000	4,464
Extraordinary gains, net	$0	52
Net income	$-201,000	4,462
Minority interest net income	$0	81
Net income of bank and minority interests.	$-201,000	4,464
Net charge-offs	$-41,000	4,184
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$-1,547,160	4,557
2023-06-30 (YTD Data)		Rank
Total interest income	$44,990,000	554
Total interest expense	$12,830,000	563
Net interest income	$32,160,000	557
Provision for loan and lease losses	$16,700,000	100
Total noninterest income	$1,379,000	1,636
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$191,000	1,943
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,188,000	1,377
Total noninterest expense	$23,812,000	587
Salaries and employee benefits	$10,981,000	688
Premises and equipment expense	$2,859,000	483
Additional noninterest expense	$1,188,000	1,376
Pre-tax net operating income	$-6,973,000	4,618
Securities gains (losses)	$1,704,000	37
Applicable income taxes	$-1,369,000	4,631
Income before extraordinary items	$-3,900,000	4,632
Extraordinary gains, net	$0	51
Net income	$-3,900,000	4,631
Minority interest net income	$0	81
Net income of bank and minority interests.	$-3,900,000	4,631
Net charge-offs	$-56,000	4,352
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$-5,246,160	4,636
2023-03-31 (YTD Data)		Rank
Total interest income	$20,160,000	602
Total interest expense	$5,060,000	602
Net interest income	$15,100,000	591
Provision for loan and lease losses	$15,520,000	77
Total noninterest income	$1,097,000	1,236
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$149,000	1,484
Trading account gains and fees	NA	NA
Additional Noninterest Income	$948,000	1,008
Total noninterest expense	$13,848,000	524
Salaries and employee benefits	$6,947,000	579
Premises and equipment expense	$1,437,000	498
Additional noninterest expense	$948,000	1,008
Pre-tax net operating income	$-13,171,000	4,684
Securities gains (losses)	$1,701,000	26
Applicable income taxes	$-3,293,000	4,662
Income before extraordinary items	$-8,177,000	4,665
Extraordinary gains, net	$0	4
Net income	$-8,177,000	4,665
Minority interest net income	$0	48
Net income of bank and minority interests.	$-8,177,000	4,665
Net charge-offs	$-9,000	4,009
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$-9,520,790	4,667
2022-12-31 (YTD Data)		Rank
Total interest income	$64,208,000	602
Total interest expense	$7,946,000	550
Net interest income	$56,262,000	615
Provision for loan and lease losses	$841,000	914
Total noninterest income	$3,626,000	1,450
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$622,000	1,465
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,004,000	1,259
Total noninterest expense	$56,833,000	494
Salaries and employee benefits	$30,622,000	495
Premises and equipment expense	$5,633,000	492
Additional noninterest expense	$3,004,000	1,259
Pre-tax net operating income	$2,214,000	3,008
Securities gains (losses)	$0	691
Applicable income taxes	$2,964,000	836
Income before extraordinary items	$-750,000	4,623
Extraordinary gains, net	$0	5
Net income	$-750,000	4,622
Minority interest net income	$0	63
Net income of bank and minority interests.	$-750,000	4,623
Net charge-offs	$-26,000	3,906
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$-750,000	4,631
2022-09-30 (YTD Data)		Rank
Total interest income	$46,420,000	591
Total interest expense	$5,079,000	456
Net interest income	$41,341,000	614
Provision for loan and lease losses	$576,000	897
Total noninterest income	$2,922,000	1,411
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$461,000	1,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,461,000	1,218
Total noninterest expense	$26,932,000	729
Salaries and employee benefits	$16,976,000	665
Premises and equipment expense	$4,217,000	492
Additional noninterest expense	$2,461,000	1,218
Pre-tax net operating income	$16,755,000	695
Securities gains (losses)	$0	740
Applicable income taxes	$3,574,000	626
Income before extraordinary items	$13,181,000	708
Extraordinary gains, net	$0	4
Net income	$13,181,000	708
Minority interest net income	$0	57
Net income of bank and minority interests.	$13,181,000	708
Net charge-offs	$-43,000	4,035
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$13,181,000	717
2022-06-30 (YTD Data)		Rank
Total interest income	$29,612,000	589
Total interest expense	$3,098,000	384
Net interest income	$26,514,000	612
Provision for loan and lease losses	$495,000	703
Total noninterest income	$2,115,000	1,330
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$299,000	1,503
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,816,000	1,166
Total noninterest expense	$17,758,000	723
Salaries and employee benefits	$11,157,000	666
Premises and equipment expense	$2,808,000	484
Additional noninterest expense	$3,793,000	971
Pre-tax net operating income	$10,376,000	684
Securities gains (losses)	$0	687
Applicable income taxes	$2,263,000	611
Income before extraordinary items	$8,113,000	710
Extraordinary gains, net	$0	4
Net income	$8,113,000	710
Minority interest net income	$0	60
Net income of bank and minority interests.	$8,113,000	710
Net charge-offs	$-3,000	3,282
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$8,113,000	723
2022-03-31 (YTD Data)		Rank
Total interest income	$14,215,000	595
Total interest expense	$1,562,000	362
Net interest income	$12,653,000	615
Provision for loan and lease losses	$286,000	524
Total noninterest income	$972,000	1,397
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$142,000	1,546
Trading account gains and fees	NA	NA
Additional Noninterest Income	$830,000	1,216
Total noninterest expense	$8,741,000	734
Salaries and employee benefits	$5,317,000	699
Premises and equipment expense	$1,417,000	493
Additional noninterest expense	$2,007,000	918
Pre-tax net operating income	$4,598,000	733
Securities gains (losses)	$0	623
Applicable income taxes	$964,000	661
Income before extraordinary items	$3,634,000	757
Extraordinary gains, net	$0	4
Net income	$3,634,000	757
Minority interest net income	$0	50
Net income of bank and minority interests.	$3,634,000	757
Net charge-offs	$4,000	1,408
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$3,634,000	764
2021-12-31 (YTD Data)		Rank
Total interest income	$57,665,000	593
Total interest expense	$7,955,000	356
Net interest income	$49,710,000	629
Provision for loan and lease losses	$-612,000	4,466
Total noninterest income	$3,065,000	1,779
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$510,000	1,586
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,555,000	1,647
Total noninterest expense	$34,469,000	748
Salaries and employee benefits	$21,867,000	662
Premises and equipment expense	$5,444,000	494
Additional noninterest expense	$7,158,000	1,014
Pre-tax net operating income	$18,918,000	777
Securities gains (losses)	$114,000	805
Applicable income taxes	$3,882,000	736
Income before extraordinary items	$15,150,000	809
Extraordinary gains, net	$0	10
Net income	$15,150,000	810
Minority interest net income	$0	74
Net income of bank and minority interests.	$15,150,000	810
Net charge-offs	$-364,000	4,675
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$15,058,800	793
2021-09-30 (YTD Data)		Rank
Total interest income	$42,776,000	613
Total interest expense	$6,255,000	353
Net interest income	$36,521,000	652
Provision for loan and lease losses	$-876,000	4,611
Total noninterest income	$1,821,000	2,073
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$367,000	1,624
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,454,000	1,991
Total noninterest expense	$25,812,000	753
Salaries and employee benefits	$16,457,000	666
Premises and equipment expense	$4,091,000	501
Additional noninterest expense	$5,264,000	1,033
Pre-tax net operating income	$13,406,000	855
Securities gains (losses)	$114,000	747
Applicable income taxes	$2,760,000	785
Income before extraordinary items	$10,760,000	895
Extraordinary gains, net	$0	8
Net income	$10,760,000	895
Minority interest net income	$0	69
Net income of bank and minority interests.	$10,760,000	895
Net charge-offs	$-358,000	4,776
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$10,668,800	882
2021-06-30 (YTD Data)		Rank
Total interest income	$28,534,000	605
Total interest expense	$4,474,000	342
Net interest income	$24,060,000	655
Provision for loan and lease losses	$-889,000	4,665
Total noninterest income	$1,158,000	2,072
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$239,000	1,606
Trading account gains and fees	NA	NA
Additional Noninterest Income	$919,000	1,994
Total noninterest expense	$17,280,000	746
Salaries and employee benefits	$11,114,000	654
Premises and equipment expense	$2,733,000	500
Additional noninterest expense	$3,433,000	1,039
Pre-tax net operating income	$8,827,000	845
Securities gains (losses)	$114,000	622
Applicable income taxes	$1,849,000	791
Income before extraordinary items	$7,092,000	886
Extraordinary gains, net	$0	6
Net income	$7,092,000	886
Minority interest net income	$0	67
Net income of bank and minority interests.	$7,092,000	886
Net charge-offs	$-93,000	4,570
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$7,001,940	873
2021-03-31 (YTD Data)		Rank
Total interest income	$13,935,000	618
Total interest expense	$2,378,000	343
Net interest income	$11,557,000	672
Provision for loan and lease losses	$-894,000	4,792
Total noninterest income	$535,000	2,167
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$123,000	1,564
Trading account gains and fees	NA	NA
Additional Noninterest Income	$412,000	2,121
Total noninterest expense	$8,483,000	753
Salaries and employee benefits	$5,490,000	667
Premises and equipment expense	$1,366,000	500
Additional noninterest expense	$1,627,000	1,052
Pre-tax net operating income	$4,503,000	837
Securities gains (losses)	$114,000	445
Applicable income taxes	$973,000	764
Income before extraordinary items	$3,644,000	874
Extraordinary gains, net	$0	3
Net income	$3,644,000	874
Minority interest net income	$0	55
Net income of bank and minority interests.	$3,644,000	874
Net charge-offs	$-82,000	4,725
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$3,553,940	872
2020-12-31 (YTD Data)		Rank
Total interest income	$58,951,000	581
Total interest expense	$13,393,000	381
Net interest income	$45,558,000	646
Provision for loan and lease losses	$2,534,000	903
Total noninterest income	$3,288,000	1,639
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$471,000	1,671
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,817,000	1,495
Total noninterest expense	$33,954,000	734
Salaries and employee benefits	$21,759,000	652
Premises and equipment expense	$5,322,000	499
Additional noninterest expense	$6,873,000	1,004
Pre-tax net operating income	$12,358,000	885
Securities gains (losses)	$37,000	1,860
Applicable income taxes	$2,721,000	751
Income before extraordinary items	$9,674,000	989
Extraordinary gains, net	$0	4
Net income	$9,674,000	989
Minority interest net income	$0	72
Net income of bank and minority interests.	$9,674,000	989
Net charge-offs	$73,000	2,187
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$9,644,770	956
2020-09-30 (YTD Data)		Rank
Total interest income	$44,714,000	581
Total interest expense	$10,569,000	389
Net interest income	$34,145,000	640
Provision for loan and lease losses	$2,427,000	800
Total noninterest income	$2,490,000	1,586
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$325,000	1,771
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,165,000	1,408
Total noninterest expense	$25,432,000	729
Salaries and employee benefits	$16,323,000	636
Premises and equipment expense	$3,937,000	498
Additional noninterest expense	$5,172,000	985
Pre-tax net operating income	$8,776,000	897
Securities gains (losses)	$38,000	1,662
Applicable income taxes	$1,904,000	759
Income before extraordinary items	$6,910,000	985
Extraordinary gains, net	$0	4
Net income	$6,910,000	985
Minority interest net income	$0	65
Net income of bank and minority interests.	$6,910,000	985
Net charge-offs	$-29,000	4,526
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$6,879,980	959
2020-06-30 (YTD Data)		Rank
Total interest income	$30,174,000	574
Total interest expense	$7,468,000	415
Net interest income	$22,706,000	641
Provision for loan and lease losses	$2,318,000	661
Total noninterest income	$1,842,000	1,433
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$216,000	1,803
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,626,000	1,252
Total noninterest expense	$16,894,000	723
Salaries and employee benefits	$10,899,000	636
Premises and equipment expense	$2,604,000	509
Additional noninterest expense	$3,391,000	1,001
Pre-tax net operating income	$5,336,000	904
Securities gains (losses)	$38,000	1,419
Applicable income taxes	$1,194,000	726
Income before extraordinary items	$4,180,000	1,002
Extraordinary gains, net	$0	4
Net income	$4,180,000	1,002
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,180,000	1,002
Net charge-offs	$-105,000	4,894
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$4,149,980	985
2020-03-31 (YTD Data)		Rank
Total interest income	$15,343,000	572
Total interest expense	$3,957,000	437
Net interest income	$11,386,000	622
Provision for loan and lease losses	$2,008,000	400
Total noninterest income	$609,000	1,738
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$177,000	1,436
Trading account gains and fees	NA	NA
Additional Noninterest Income	$432,000	1,652
Total noninterest expense	$8,447,000	731
Salaries and employee benefits	$5,522,000	628
Premises and equipment expense	$1,318,000	504
Additional noninterest expense	$1,607,000	1,051
Pre-tax net operating income	$1,540,000	1,296
Securities gains (losses)	$37,000	943
Applicable income taxes	$360,000	944
Income before extraordinary items	$1,217,000	1,411
Extraordinary gains, net	$0	4
Net income	$1,217,000	1,409
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,217,000	1,411
Net charge-offs	$-122,000	4,987
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,187,770	1,421
2019-12-31 (YTD Data)		Rank
Total interest income	$59,439,000	591
Total interest expense	$14,908,000	479
Net interest income	$44,531,000	623
Provision for loan and lease losses	$1,490,000	671
Total noninterest income	$3,040,000	1,552
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$775,000	1,371
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,265,000	1,432
Total noninterest expense	$34,578,000	685
Salaries and employee benefits	$22,620,000	583
Premises and equipment expense	$5,324,000	496
Additional noninterest expense	$6,634,000	1,013
Pre-tax net operating income	$11,503,000	942
Securities gains (losses)	$7,000	2,003
Applicable income taxes	$2,706,000	741
Income before extraordinary items	$8,804,000	1,037
Extraordinary gains, net	$0	11
Net income	$8,804,000	1,038
Minority interest net income	$0	76
Net income of bank and minority interests.	$8,804,000	1,038
Net charge-offs	$217,000	1,607
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$8,798,470	1,012
2019-09-30 (YTD Data)		Rank
Total interest income	$43,687,000	608
Total interest expense	$10,688,000	510
Net interest income	$32,999,000	630
Provision for loan and lease losses	$1,078,000	652
Total noninterest income	$2,460,000	1,490
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$585,000	1,374
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,875,000	1,334
Total noninterest expense	$25,935,000	684
Salaries and employee benefits	$16,885,000	583
Premises and equipment expense	$3,986,000	497
Additional noninterest expense	$5,064,000	990
Pre-tax net operating income	$8,446,000	982
Securities gains (losses)	$7,000	1,751
Applicable income taxes	$2,016,000	764
Income before extraordinary items	$6,437,000	1,082
Extraordinary gains, net	$0	11
Net income	$6,437,000	1,083
Minority interest net income	$0	72
Net income of bank and minority interests.	$6,437,000	1,083
Net charge-offs	$28,000	2,550
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$6,431,470	1,056
2019-06-30 (YTD Data)		Rank
Total interest income	$27,650,000	632
Total interest expense	$6,472,000	542
Net interest income	$21,178,000	656
Provision for loan and lease losses	$744,000	631
Total noninterest income	$1,640,000	1,458
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$388,000	1,361
Trading account gains and fees	$0	131
Additional Noninterest Income	$1,252,000	1,302
Total noninterest expense	$17,250,000	681
Salaries and employee benefits	$11,200,000	591
Premises and equipment expense	$2,668,000	499
Additional noninterest expense	$3,382,000	994
Pre-tax net operating income	$4,824,000	1,084
Securities gains (losses)	$7,000	1,296
Applicable income taxes	$1,209,000	800
Income before extraordinary items	$3,622,000	1,202
Extraordinary gains, net	$0	11
Net income	$3,622,000	1,202
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,622,000	1,202
Net charge-offs	$24,000	2,264
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$3,616,470	1,179
2019-03-31 (YTD Data)		Rank
Total interest income	$13,679,000	633
Total interest expense	$3,094,000	553
Net interest income	$10,585,000	651
Provision for loan and lease losses	$7,000	3,190
Total noninterest income	$637,000	1,664
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$193,000	1,356
Trading account gains and fees	$0	126
Additional Noninterest Income	$444,000	1,568
Total noninterest expense	$8,612,000	678
Salaries and employee benefits	$5,552,000	591
Premises and equipment expense	$1,344,000	499
Additional noninterest expense	$1,716,000	962
Pre-tax net operating income	$2,603,000	990
Securities gains (losses)	$0	1,087
Applicable income taxes	$623,000	762
Income before extraordinary items	$1,980,000	1,099
Extraordinary gains, net	$0	5
Net income	$1,980,000	1,098
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,980,000	1,098
Net charge-offs	$5,000	2,211
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,980,000	1,080
2018-12-31 (YTD Data)		Rank
Total interest income	$50,920,000	632
Total interest expense	$8,752,000	585
Net interest income	$42,168,000	652
Provision for loan and lease losses	$144,000	2,689
Total noninterest income	$2,704,000	1,652
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$770,000	1,418
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,934,000	1,525
Total noninterest expense	$32,136,000	710
Salaries and employee benefits	$19,500,000	639
Premises and equipment expense	$5,157,000	504
Additional noninterest expense	$7,479,000	889
Pre-tax net operating income	$12,592,000	861
Securities gains (losses)	$118,000	275
Applicable income taxes	$3,137,000	648
Income before extraordinary items	$9,573,000	946
Extraordinary gains, net	$0	6
Net income	$9,573,000	945
Minority interest net income	$0	72
Net income of bank and minority interests.	$9,573,000	945
Net charge-offs	$-328,000	5,257
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$9,479,780	952
2018-09-30 (YTD Data)		Rank
Total interest income	$37,663,000	634
Total interest expense	$6,084,000	588
Net interest income	$31,579,000	651
Provision for loan and lease losses	$138,000	2,334
Total noninterest income	$1,836,000	1,781
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$562,000	1,454
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,274,000	1,681
Total noninterest expense	$23,758,000	716
Salaries and employee benefits	$14,263,000	659
Premises and equipment expense	$3,867,000	506
Additional noninterest expense	$5,628,000	881
Pre-tax net operating income	$9,519,000	864
Securities gains (losses)	$62,000	382
Applicable income taxes	$2,371,000	654
Income before extraordinary items	$7,210,000	957
Extraordinary gains, net	$0	5
Net income	$7,210,000	955
Minority interest net income	$0	66
Net income of bank and minority interests.	$7,210,000	956
Net charge-offs	$-350,000	5,339
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$7,161,020	955
2018-06-30 (YTD Data)		Rank
Total interest income	$25,042,000	624
Total interest expense	$3,767,000	589
Net interest income	$21,275,000	640
Provision for loan and lease losses	$79,000	2,398
Total noninterest income	$1,140,000	1,861
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$371,000	1,457
Trading account gains and fees	$0	130
Additional Noninterest Income	$769,000	1,781
Total noninterest expense	$15,862,000	717
Salaries and employee benefits	$9,338,000	687
Premises and equipment expense	$2,621,000	506
Additional noninterest expense	$3,903,000	849
Pre-tax net operating income	$6,474,000	825
Securities gains (losses)	$62,000	315
Applicable income taxes	$1,660,000	622
Income before extraordinary items	$4,876,000	932
Extraordinary gains, net	$0	6
Net income	$4,876,000	930
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,876,000	931
Net charge-offs	$-354,000	5,426
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$4,827,020	932
2018-03-31 (YTD Data)		Rank
Total interest income	$11,666,000	658
Total interest expense	$1,672,000	620
Net interest income	$9,994,000	671
Provision for loan and lease losses	$54,000	2,026
Total noninterest income	$555,000	1,864
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$185,000	1,475
Trading account gains and fees	$0	123
Additional Noninterest Income	$370,000	1,787
Total noninterest expense	$7,723,000	734
Salaries and employee benefits	$4,611,000	698
Premises and equipment expense	$1,330,000	499
Additional noninterest expense	$1,782,000	910
Pre-tax net operating income	$2,772,000	925
Securities gains (losses)	$0	735
Applicable income taxes	$579,000	774
Income before extraordinary items	$2,193,000	993
Extraordinary gains, net	$0	7
Net income	$2,193,000	991
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,193,000	993
Net charge-offs	$-99,000	5,380
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$2,193,000	987
2017-12-31 (YTD Data)		Rank
Total interest income	$44,197,000	656
Total interest expense	$5,967,000	583
Net interest income	$38,230,000	668
Provision for loan and lease losses	$570,000	1,339
Total noninterest income	$2,366,000	1,828
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$594,000	1,789
Trading account gains and fees	$0	151
Additional Noninterest Income	$1,772,000	1,646
Total noninterest expense	$30,146,000	731
Salaries and employee benefits	$17,355,000	712
Premises and equipment expense	$5,324,000	482
Additional noninterest expense	$7,467,000	878
Pre-tax net operating income	$9,880,000	1,002
Securities gains (losses)	$174,000	435
Applicable income taxes	$4,354,000	732
Income before extraordinary items	$5,700,000	1,221
Extraordinary gains, net	$0	9
Net income	$5,700,000	1,221
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,700,000	1,221
Net charge-offs	$727,000	862
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$72,818,000	8
Net operating income	$5,588,640	1,224
2017-09-30 (YTD Data)		Rank
Total interest income	$32,519,000	669
Total interest expense	$4,330,000	593
Net interest income	$28,189,000	676
Provision for loan and lease losses	$370,000	1,427
Total noninterest income	$1,666,000	1,929
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$432,000	1,841
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,234,000	1,731
Total noninterest expense	$22,169,000	740
Salaries and employee benefits	$12,665,000	731
Premises and equipment expense	$4,024,000	481
Additional noninterest expense	$5,480,000	894
Pre-tax net operating income	$7,316,000	1,025
Securities gains (losses)	$174,000	405
Applicable income taxes	$2,356,000	822
Income before extraordinary items	$5,134,000	1,131
Extraordinary gains, net	$0	9
Net income	$5,134,000	1,131
Minority interest net income	$0	71
Net income of bank and minority interests.	$5,134,000	1,131
Net charge-offs	$-270,000	5,556
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$72,818,000	8
Net operating income	$5,013,940	1,136
2017-06-30 (YTD Data)		Rank
Total interest income	$21,155,000	679
Total interest expense	$2,745,000	603
Net interest income	$18,410,000	685
Provision for loan and lease losses	$235,000	1,445
Total noninterest income	$1,131,000	1,886
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$287,000	1,838
Trading account gains and fees	$0	139
Additional Noninterest Income	$844,000	1,718
Total noninterest expense	$14,363,000	755
Salaries and employee benefits	$7,961,000	774
Premises and equipment expense	$2,736,000	470
Additional noninterest expense	$3,666,000	897
Pre-tax net operating income	$4,943,000	1,007
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,555,000	806
Income before extraordinary items	$3,388,000	1,126
Extraordinary gains, net	$0	11
Net income	$3,388,000	1,126
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,388,000	1,126
Net charge-offs	$-287,000	5,650
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$72,818,000	4
Net operating income	$3,388,000	1,108
2017-03-31 (YTD Data)		Rank
Total interest income	$10,406,000	675
Total interest expense	$1,309,000	603
Net interest income	$9,097,000	691
Provision for loan and lease losses	$235,000	830
Total noninterest income	$468,000	2,131
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$146,000	1,793
Trading account gains and fees	$0	142
Additional Noninterest Income	$322,000	2,004
Total noninterest expense	$6,561,000	837
Salaries and employee benefits	$3,368,000	906
Premises and equipment expense	$1,366,000	477
Additional noninterest expense	$1,827,000	887
Pre-tax net operating income	$2,769,000	883
Securities gains (losses)	$0	1,153
Applicable income taxes	$878,000	720
Income before extraordinary items	$1,891,000	1,001
Extraordinary gains, net	$0	8
Net income	$1,891,000	1,002
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,891,000	1,001
Net charge-offs	$33,000	1,595
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,891,000	984
2016-12-31 (YTD Data)		Rank
Total interest income	$39,959,000	675
Total interest expense	$5,103,000	592
Net interest income	$34,856,000	691
Provision for loan and lease losses	$2,049,000	523
Total noninterest income	$3,705,000	1,415
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$664,000	1,686
Trading account gains and fees	$0	170
Additional Noninterest Income	$3,041,000	1,199
Total noninterest expense	$30,751,000	692
Salaries and employee benefits	$17,468,000	677
Premises and equipment expense	$5,987,000	438
Additional noninterest expense	$7,296,000	908
Pre-tax net operating income	$5,761,000	1,442
Securities gains (losses)	$2,000	3,045
Applicable income taxes	$1,692,000	1,185
Income before extraordinary items	$4,071,000	1,629
Extraordinary gains, net	$0	5
Net income	$4,071,000	1,626
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,071,000	1,628
Net charge-offs	$1,566,000	465
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,069,580	1,598
2016-09-30 (YTD Data)		Rank
Total interest income	$29,841,000	673
Total interest expense	$3,779,000	588
Net interest income	$26,062,000	686
Provision for loan and lease losses	$1,332,000	561
Total noninterest income	$1,553,000	2,086
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$499,000	1,687
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,054,000	1,974
Total noninterest expense	$22,952,000	698
Salaries and employee benefits	$13,116,000	676
Premises and equipment expense	$4,139,000	462
Additional noninterest expense	$5,697,000	872
Pre-tax net operating income	$3,331,000	1,812
Securities gains (losses)	$2,000	2,985
Applicable income taxes	$934,000	1,477
Income before extraordinary items	$2,399,000	2,008
Extraordinary gains, net	$0	5
Net income	$2,399,000	2,008
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,399,000	2,008
Net charge-offs	$1,412,000	371
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,397,560	1,950
2016-06-30 (YTD Data)		Rank
Total interest income	$19,750,000	678
Total interest expense	$2,446,000	604
Net interest income	$17,304,000	690
Provision for loan and lease losses	$139,000	2,014
Total noninterest income	$1,002,000	2,103
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$326,000	1,692
Trading account gains and fees	$0	157
Additional Noninterest Income	$676,000	1,997
Total noninterest expense	$15,692,000	684
Salaries and employee benefits	$8,936,000	664
Premises and equipment expense	$2,845,000	461
Additional noninterest expense	$3,911,000	845
Pre-tax net operating income	$2,475,000	1,651
Securities gains (losses)	$2,000	2,664
Applicable income taxes	$711,000	1,340
Income before extraordinary items	$1,766,000	1,844
Extraordinary gains, net	$0	16
Net income	$1,766,000	1,843
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,766,000	1,843
Net charge-offs	$329,000	811
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,764,580	1,797
2016-03-31 (YTD Data)		Rank
Total interest income	$9,809,000	685
Total interest expense	$1,192,000	622
Net interest income	$8,617,000	694
Provision for loan and lease losses	$0	3,656
Total noninterest income	$475,000	2,136
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$157,000	1,739
Trading account gains and fees	$0	142
Additional Noninterest Income	$318,000	2,022
Total noninterest expense	$7,526,000	712
Salaries and employee benefits	$4,229,000	703
Premises and equipment expense	$1,287,000	501
Additional noninterest expense	$2,010,000	816
Pre-tax net operating income	$1,566,000	1,365
Securities gains (losses)	$0	2,077
Applicable income taxes	$468,000	1,109
Income before extraordinary items	$1,098,000	1,501
Extraordinary gains, net	$0	12
Net income	$1,098,000	1,502
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,098,000	1,502
Net charge-offs	$246,000	563
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,098,000	1,467
2015-12-31 (YTD Data)		Rank
Total interest income	$34,652,000	727
Total interest expense	$4,375,000	642
Net interest income	$30,277,000	743
Provision for loan and lease losses	$1,658,000	529
Total noninterest income	$1,485,000	2,491
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$517,000	2,081
Trading account gains and fees	$0	159
Additional Noninterest Income	$968,000	2,410
Total noninterest expense	$27,764,000	747
Salaries and employee benefits	$15,181,000	756
Premises and equipment expense	$4,783,000	522
Additional noninterest expense	$7,800,000	837
Pre-tax net operating income	$2,340,000	2,747
Securities gains (losses)	$14,000	2,423
Applicable income taxes	$625,000	2,027
Income before extraordinary items	$1,729,000	2,985
Extraordinary gains, net	$0	23
Net income	$1,729,000	2,987
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,729,000	2,987
Net charge-offs	$1,195,000	595
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,718,780	2,950
2015-09-30 (YTD Data)		Rank
Total interest income	$24,968,000	773
Total interest expense	$3,187,000	662
Net interest income	$21,781,000	782
Provision for loan and lease losses	$1,261,000	484
Total noninterest income	$1,154,000	2,467
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$378,000	2,133
Trading account gains and fees	$0	153
Additional Noninterest Income	$776,000	2,359
Total noninterest expense	$20,333,000	771
Salaries and employee benefits	$11,127,000	781
Premises and equipment expense	$3,594,000	532
Additional noninterest expense	$5,612,000	875
Pre-tax net operating income	$1,341,000	3,271
Securities gains (losses)	$8,000	2,465
Applicable income taxes	$347,000	2,344
Income before extraordinary items	$1,002,000	3,494
Extraordinary gains, net	$0	21
Net income	$1,002,000	3,492
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,002,000	3,493
Net charge-offs	$991,000	505
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$996,080	3,452
2015-06-30 (YTD Data)		Rank
Total interest income	$14,988,000	861
Total interest expense	$2,009,000	693
Net interest income	$12,979,000	874
Provision for loan and lease losses	$0	4,069
Total noninterest income	$741,000	2,532
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$251,000	2,102
Trading account gains and fees	$0	157
Additional Noninterest Income	$490,000	2,433
Total noninterest expense	$12,215,000	863
Salaries and employee benefits	$7,014,000	824
Premises and equipment expense	$1,929,000	659
Additional noninterest expense	$3,272,000	1,008
Pre-tax net operating income	$1,505,000	2,337
Securities gains (losses)	$8,000	2,109
Applicable income taxes	$466,000	1,695
Income before extraordinary items	$1,047,000	2,670
Extraordinary gains, net	$0	22
Net income	$1,047,000	2,671
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,047,000	2,672
Net charge-offs	$-505,000	6,221
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,041,480	2,629
2015-03-31 (YTD Data)		Rank
Total interest income	$6,730,000	964
Total interest expense	$934,000	753
Net interest income	$5,796,000	990
Provision for loan and lease losses	$0	3,703
Total noninterest income	$343,000	2,601
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$126,000	2,075
Trading account gains and fees	$0	152
Additional Noninterest Income	$217,000	2,520
Total noninterest expense	$5,513,000	942
Salaries and employee benefits	$3,262,000	874
Premises and equipment expense	$846,000	753
Additional noninterest expense	$1,405,000	1,133
Pre-tax net operating income	$626,000	2,612
Securities gains (losses)	$0	2,027
Applicable income taxes	$180,000	1,924
Income before extraordinary items	$446,000	2,932
Extraordinary gains, net	$0	13
Net income	$446,000	2,935
Minority interest net income	$0	64
Net income of bank and minority interests.	$446,000	2,935
Net charge-offs	$31,000	1,862
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$446,000	2,855
2014-12-31 (YTD Data)		Rank
Total interest income	$27,066,000	937
Total interest expense	$3,670,000	800
Net interest income	$23,396,000	943
Provision for loan and lease losses	$535,000	1,393
Total noninterest income	$1,494,000	2,514
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$577,000	2,036
Trading account gains and fees	$0	180
Additional Noninterest Income	$917,000	2,438
Total noninterest expense	$21,403,000	950
Salaries and employee benefits	$12,679,000	861
Premises and equipment expense	$3,172,000	785
Additional noninterest expense	$5,552,000	1,182
Pre-tax net operating income	$2,952,000	2,305
Securities gains (losses)	$28,000	2,114
Applicable income taxes	$1,313,000	1,301
Income before extraordinary items	$1,667,000	3,047
Extraordinary gains, net	$0	17
Net income	$1,667,000	3,047
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,667,000	3,048
Net charge-offs	$1,260,000	750
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,649,080	3,019
2014-09-30 (YTD Data)		Rank
Total interest income	$20,148,000	948
Total interest expense	$2,716,000	826
Net interest income	$17,432,000	957
Provision for loan and lease losses	$495,000	1,147
Total noninterest income	$1,117,000	2,545
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$437,000	2,020
Trading account gains and fees	$0	174
Additional Noninterest Income	$680,000	2,481
Total noninterest expense	$16,128,000	935
Salaries and employee benefits	$9,566,000	857
Premises and equipment expense	$2,396,000	782
Additional noninterest expense	$4,166,000	1,186
Pre-tax net operating income	$1,926,000	2,577
Securities gains (losses)	$16,000	2,131
Applicable income taxes	$591,000	1,811
Income before extraordinary items	$1,351,000	2,932
Extraordinary gains, net	$0	15
Net income	$1,351,000	2,932
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,351,000	2,933
Net charge-offs	$864,000	754
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,339,800	2,888
2014-06-30 (YTD Data)		Rank
Total interest income	$13,486,000	934
Total interest expense	$1,795,000	840
Net interest income	$11,691,000	937
Provision for loan and lease losses	$470,000	885
Total noninterest income	$740,000	2,512
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$298,000	1,959
Trading account gains and fees	$0	172
Additional Noninterest Income	$442,000	2,479
Total noninterest expense	$10,682,000	935
Salaries and employee benefits	$6,450,000	844
Premises and equipment expense	$1,645,000	762
Additional noninterest expense	$2,587,000	1,254
Pre-tax net operating income	$1,279,000	2,527
Securities gains (losses)	$16,000	1,751
Applicable income taxes	$390,000	1,786
Income before extraordinary items	$905,000	2,841
Extraordinary gains, net	$0	20
Net income	$905,000	2,846
Minority interest net income	$0	80
Net income of bank and minority interests.	$905,000	2,846
Net charge-offs	$820,000	590
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$893,800	2,814
2014-03-31 (YTD Data)		Rank
Total interest income	$6,811,000	933
Total interest expense	$887,000	856
Net interest income	$5,924,000	928
Provision for loan and lease losses	$336,000	634
Total noninterest income	$375,000	2,470
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$161,000	1,835
Trading account gains and fees	$0	147
Additional Noninterest Income	$214,000	2,455
Total noninterest expense	$5,275,000	961
Salaries and employee benefits	$3,203,000	866
Premises and equipment expense	$886,000	723
Additional noninterest expense	$1,186,000	1,344
Pre-tax net operating income	$688,000	2,346
Securities gains (losses)	$0	1,715
Applicable income taxes	$208,000	1,685
Income before extraordinary items	$480,000	2,653
Extraordinary gains, net	$0	16
Net income	$480,000	2,656
Minority interest net income	$0	66
Net income of bank and minority interests.	$480,000	2,656
Net charge-offs	$2,000	3,350
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$480,000	2,609
2013-12-31 (YTD Data)		Rank
Total interest income	$25,232,000	1,002
Total interest expense	$3,816,000	895
Net interest income	$21,416,000	1,024
Provision for loan and lease losses	$492,000	1,866
Total noninterest income	$1,491,000	2,600
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$640,000	1,962
Trading account gains and fees	$0	184
Additional Noninterest Income	$851,000	2,587
Total noninterest expense	$20,330,000	1,001
Salaries and employee benefits	$12,536,000	860
Premises and equipment expense	$2,921,000	834
Additional noninterest expense	$4,873,000	1,370
Pre-tax net operating income	$2,085,000	2,780
Securities gains (losses)	$15,000	2,476
Applicable income taxes	$626,000	1,925
Income before extraordinary items	$1,474,000	3,189
Extraordinary gains, net	$0	29
Net income	$1,474,000	3,191
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,474,000	3,192
Net charge-offs	$1,324,000	1,030
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,463,500	3,143
2013-09-30 (YTD Data)		Rank
Total interest income	$19,018,000	1,009
Total interest expense	$2,916,000	906
Net interest income	$16,102,000	1,027
Provision for loan and lease losses	$142,000	2,998
Total noninterest income	$1,104,000	2,671
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$479,000	1,968
Trading account gains and fees	$0	180
Additional Noninterest Income	$625,000	2,676
Total noninterest expense	$15,194,000	1,013
Salaries and employee benefits	$9,466,000	857
Premises and equipment expense	$2,152,000	854
Additional noninterest expense	$3,576,000	1,397
Pre-tax net operating income	$1,870,000	2,547
Securities gains (losses)	$1,000	2,916
Applicable income taxes	$567,000	1,792
Income before extraordinary items	$1,304,000	2,913
Extraordinary gains, net	$0	25
Net income	$1,304,000	2,917
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,304,000	2,917
Net charge-offs	$1,332,000	810
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,303,300	2,841
2013-06-30 (YTD Data)		Rank
Total interest income	$12,704,000	999
Total interest expense	$1,977,000	915
Net interest income	$10,727,000	1,015
Provision for loan and lease losses	$59,000	3,513
Total noninterest income	$720,000	2,718
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$325,000	1,919
Trading account gains and fees	$0	157
Additional Noninterest Income	$395,000	2,821
Total noninterest expense	$10,320,000	980
Salaries and employee benefits	$6,455,000	843
Premises and equipment expense	$1,411,000	864
Additional noninterest expense	$2,454,000	1,347
Pre-tax net operating income	$1,068,000	2,766
Securities gains (losses)	$1,000	2,688
Applicable income taxes	$316,000	1,960
Income before extraordinary items	$753,000	3,178
Extraordinary gains, net	$0	22
Net income	$753,000	3,180
Minority interest net income	$0	82
Net income of bank and minority interests.	$753,000	3,181
Net charge-offs	$1,313,000	642
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$752,300	3,085
2013-03-31 (YTD Data)		Rank
Total interest income	$6,423,000	985
Total interest expense	$1,016,000	923
Net interest income	$5,407,000	999
Provision for loan and lease losses	$0	4,409
Total noninterest income	$348,000	2,774
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$176,000	1,798
Trading account gains and fees	$0	148
Additional Noninterest Income	$172,000	2,987
Total noninterest expense	$5,185,000	984
Salaries and employee benefits	$3,221,000	853
Premises and equipment expense	$785,000	787
Additional noninterest expense	$1,179,000	1,382
Pre-tax net operating income	$570,000	2,642
Securities gains (losses)	$0	1,966
Applicable income taxes	$175,000	1,834
Income before extraordinary items	$395,000	3,045
Extraordinary gains, net	$0	10
Net income	$395,000	3,045
Minority interest net income	$0	76
Net income of bank and minority interests.	$395,000	3,047
Net charge-offs	$-38,000	6,638
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$395,000	2,961
2012-12-31 (YTD Data)		Rank
Total interest income	$28,102,000	932
Total interest expense	$5,229,000	862
Net interest income	$22,873,000	952
Provision for loan and lease losses	$1,555,000	1,284
Total noninterest income	$919,000	3,398
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$694,000	1,914
Trading account gains and fees	$0	166
Additional Noninterest Income	$225,000	4,438
Total noninterest expense	$19,932,000	1,002
Salaries and employee benefits	$12,561,000	835
Premises and equipment expense	$2,852,000	844
Additional noninterest expense	$4,519,000	1,490
Pre-tax net operating income	$2,305,000	2,556
Securities gains (losses)	$1,000	3,729
Applicable income taxes	$820,000	1,662
Income before extraordinary items	$1,486,000	3,146
Extraordinary gains, net	$0	29
Net income	$1,486,000	3,146
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,486,000	3,146
Net charge-offs	$1,301,000	1,539
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,485,360	3,010
2012-09-30 (YTD Data)		Rank
Total interest income	$21,425,000	937
Total interest expense	$4,124,000	857
Net interest income	$17,301,000	949
Provision for loan and lease losses	$1,023,000	1,417
Total noninterest income	$834,000	3,089
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$536,000	1,885
Trading account gains and fees	$0	157
Additional Noninterest Income	$298,000	3,704
Total noninterest expense	$15,097,000	994
Salaries and employee benefits	$9,514,000	826
Premises and equipment expense	$2,133,000	846
Additional noninterest expense	$3,450,000	1,469
Pre-tax net operating income	$2,015,000	2,344
Securities gains (losses)	$1,000	3,476
Applicable income taxes	$706,000	1,577
Income before extraordinary items	$1,310,000	2,896
Extraordinary gains, net	$0	20
Net income	$1,310,000	2,896
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,310,000	2,895
Net charge-offs	$907,000	1,563
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,309,350	2,762
2012-06-30 (YTD Data)		Rank
Total interest income	$14,473,000	931
Total interest expense	$2,899,000	844
Net interest income	$11,574,000	951
Provision for loan and lease losses	$873,000	1,220
Total noninterest income	$573,000	3,001
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$385,000	1,765
Trading account gains and fees	$0	153
Additional Noninterest Income	$188,000	3,769
Total noninterest expense	$10,116,000	987
Salaries and employee benefits	$6,463,000	798
Premises and equipment expense	$1,419,000	851
Additional noninterest expense	$2,234,000	1,516
Pre-tax net operating income	$1,158,000	2,584
Securities gains (losses)	$0	3,178
Applicable income taxes	$405,000	1,702
Income before extraordinary items	$753,000	3,177
Extraordinary gains, net	$0	19
Net income	$753,000	3,175
Minority interest net income	$0	84
Net income of bank and minority interests.	$753,000	3,177
Net charge-offs	$913,000	1,213
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$753,000	3,017
2012-03-31 (YTD Data)		Rank
Total interest income	$7,357,000	912
Total interest expense	$1,519,000	827
Net interest income	$5,838,000	938
Provision for loan and lease losses	$0	5,254
Total noninterest income	$293,000	2,978
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$183,000	1,832
Trading account gains and fees	$0	148
Additional Noninterest Income	$110,000	3,556
Total noninterest expense	$4,994,000	999
Salaries and employee benefits	$3,185,000	810
Premises and equipment expense	$725,000	842
Additional noninterest expense	$1,084,000	1,552
Pre-tax net operating income	$1,137,000	1,513
Securities gains (losses)	$0	2,210
Applicable income taxes	$398,000	1,076
Income before extraordinary items	$739,000	1,929
Extraordinary gains, net	$0	19
Net income	$739,000	1,930
Minority interest net income	$0	78
Net income of bank and minority interests.	$739,000	1,931
Net charge-offs	$0	4,730
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$739,000	1,823
2011-12-31 (YTD Data)		Rank
Total interest income	$32,670,000	854
Total interest expense	$6,828,000	883
Net interest income	$25,842,000	845
Provision for loan and lease losses	$4,947,000	791
Total noninterest income	$1,187,000	2,821
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$726,000	1,924
Trading account gains and fees	$0	146
Additional Noninterest Income	$461,000	3,225
Total noninterest expense	$19,337,000	1,011
Salaries and employee benefits	$12,106,000	815
Premises and equipment expense	$2,929,000	869
Additional noninterest expense	$4,302,000	1,584
Pre-tax net operating income	$2,745,000	1,983
Securities gains (losses)	$9,000	3,367
Applicable income taxes	$915,000	1,429
Income before extraordinary items	$1,839,000	2,411
Extraordinary gains, net	$0	29
Net income	$1,839,000	2,411
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,839,000	2,412
Net charge-offs	$4,654,000	856
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,832,970	2,336
2011-09-30 (YTD Data)		Rank
Total interest income	$24,777,000	859
Total interest expense	$5,211,000	910
Net interest income	$19,566,000	846
Provision for loan and lease losses	$4,322,000	699
Total noninterest income	$897,000	2,798
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$553,000	1,912
Trading account gains and fees	$0	145
Additional Noninterest Income	$344,000	3,254
Total noninterest expense	$14,432,000	1,030
Salaries and employee benefits	$9,012,000	826
Premises and equipment expense	$2,217,000	857
Additional noninterest expense	$3,203,000	1,598
Pre-tax net operating income	$1,709,000	2,351
Securities gains (losses)	$6,000	3,178
Applicable income taxes	$563,000	1,630
Income before extraordinary items	$1,152,000	2,791
Extraordinary gains, net	$0	21
Net income	$1,152,000	2,793
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,152,000	2,793
Net charge-offs	$268,000	3,369
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,147,980	2,699
2011-06-30 (YTD Data)		Rank
Total interest income	$16,627,000	863
Total interest expense	$3,490,000	938
Net interest income	$13,137,000	840
Provision for loan and lease losses	$3,897,000	549
Total noninterest income	$570,000	2,884
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$362,000	1,916
Trading account gains and fees	$0	153
Additional Noninterest Income	$208,000	3,432
Total noninterest expense	$9,687,000	1,042
Salaries and employee benefits	$5,945,000	841
Premises and equipment expense	$1,515,000	850
Additional noninterest expense	$2,227,000	1,553
Pre-tax net operating income	$123,000	5,568
Securities gains (losses)	$6,000	2,492
Applicable income taxes	$16,000	3,930
Income before extraordinary items	$113,000	5,605
Extraordinary gains, net	$0	15
Net income	$113,000	5,604
Minority interest net income	$0	89
Net income of bank and minority interests.	$113,000	5,605
Net charge-offs	$144,000	3,458
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$107,720	5,562
2011-03-31 (YTD Data)		Rank
Total interest income	$8,423,000	857
Total interest expense	$1,745,000	978
Net interest income	$6,678,000	832
Provision for loan and lease losses	$148,000	2,920
Total noninterest income	$272,000	2,992
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$182,000	1,882
Trading account gains and fees	$0	158
Additional Noninterest Income	$90,000	3,734
Total noninterest expense	$4,876,000	1,019
Salaries and employee benefits	$3,007,000	849
Premises and equipment expense	$776,000	848
Additional noninterest expense	$1,093,000	1,578
Pre-tax net operating income	$1,926,000	792
Securities gains (losses)	$6,000	1,415
Applicable income taxes	$647,000	600
Income before extraordinary items	$1,285,000	942
Extraordinary gains, net	$0	9
Net income	$1,285,000	942
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,285,000	942
Net charge-offs	$-34,000	7,299
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$1,280,980	923
2010-12-31 (YTD Data)		Rank
Total interest income	$36,327,000	826
Total interest expense	$9,512,000	868
Net interest income	$26,815,000	818
Provision for loan and lease losses	$3,198,000	1,559
Total noninterest income	$1,386,000	2,659
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$780,000	1,879
Trading account gains and fees	$0	175
Additional Noninterest Income	$606,000	2,893
Total noninterest expense	$20,157,000	990
Salaries and employee benefits	$12,499,000	784
Premises and equipment expense	$2,858,000	902
Additional noninterest expense	$4,800,000	1,506
Pre-tax net operating income	$4,846,000	1,059
Securities gains (losses)	$0	3,793
Applicable income taxes	$1,597,000	870
Income before extraordinary items	$3,249,000	1,313
Extraordinary gains, net	$0	29
Net income	$3,249,000	1,314
Minority interest net income	$0	111
Net income of bank and minority interests.	$3,249,000	1,315
Net charge-offs	$3,227,000	1,407
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$3,249,000	1,263
2010-09-30 (YTD Data)		Rank
Total interest income	$27,755,000	826
Total interest expense	$7,650,000	838
Net interest income	$20,105,000	817
Provision for loan and lease losses	$2,898,000	1,298
Total noninterest income	$974,000	2,779
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$584,000	1,929
Trading account gains and fees	$0	165
Additional Noninterest Income	$390,000	3,145
Total noninterest expense	$15,163,000	975
Salaries and employee benefits	$9,385,000	772
Premises and equipment expense	$2,155,000	896
Additional noninterest expense	$3,623,000	1,461
Pre-tax net operating income	$3,018,000	1,321
Securities gains (losses)	$0	3,651
Applicable income taxes	$985,000	1,009
Income before extraordinary items	$2,033,000	1,626
Extraordinary gains, net	$0	23
Net income	$2,033,000	1,629
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,033,000	1,629
Net charge-offs	$3,230,000	1,081
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,033,000	1,553
2010-06-30 (YTD Data)		Rank
Total interest income	$18,732,000	826
Total interest expense	$5,490,000	799
Net interest income	$13,242,000	823
Provision for loan and lease losses	$2,548,000	1,066
Total noninterest income	$670,000	2,661
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$406,000	1,860
Trading account gains and fees	$0	152
Additional Noninterest Income	$264,000	3,043
Total noninterest expense	$10,092,000	973
Salaries and employee benefits	$6,236,000	770
Premises and equipment expense	$1,448,000	909
Additional noninterest expense	$2,408,000	1,473
Pre-tax net operating income	$1,272,000	1,959
Securities gains (losses)	$0	3,184
Applicable income taxes	$394,000	1,459
Income before extraordinary items	$878,000	2,342
Extraordinary gains, net	$0	19
Net income	$878,000	2,338
Minority interest net income	$0	105
Net income of bank and minority interests.	$878,000	2,341
Net charge-offs	$3,181,000	783
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$878,000	2,250
2010-03-31 (YTD Data)		Rank
Total interest income	$9,504,000	833
Total interest expense	$2,931,000	778
Net interest income	$6,573,000	843
Provision for loan and lease losses	$221,000	2,874
Total noninterest income	$326,000	2,709
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$212,000	1,786
Trading account gains and fees	$0	175
Additional Noninterest Income	$114,000	3,273
Total noninterest expense	$5,015,000	991
Salaries and employee benefits	$3,119,000	781
Premises and equipment expense	$728,000	932
Additional noninterest expense	$1,168,000	1,516
Pre-tax net operating income	$1,663,000	811
Securities gains (losses)	$0	2,284
Applicable income taxes	$528,000	680
Income before extraordinary items	$1,135,000	958
Extraordinary gains, net	$0	16
Net income	$1,135,000	962
Minority interest net income	$0	91
Net income of bank and minority interests.	$1,135,000	962
Net charge-offs	$-2,000	7,007
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$1,135,000	936
2009-12-31 (YTD Data)		Rank
Total interest income	$39,452,000	854
Total interest expense	$14,822,000	783
Net interest income	$24,630,000	879
Provision for loan and lease losses	$1,548,000	2,847
Total noninterest income	$1,567,000	2,484
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,067,000	1,578
Trading account gains and fees	$0	211
Additional Noninterest Income	$500,000	3,196
Total noninterest expense	$20,315,000	1,028
Salaries and employee benefits	$12,158,000	805
Premises and equipment expense	$3,031,000	889
Additional noninterest expense	$5,126,000	1,456
Pre-tax net operating income	$4,334,000	966
Securities gains (losses)	$-154,000	7,365
Applicable income taxes	$1,277,000	809
Income before extraordinary items	$2,903,000	1,163
Extraordinary gains, net	$0	34
Net income	$2,903,000	1,161
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,903,000	1,162
Net charge-offs	$231,000	4,818
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$3,009,260	1,114
2009-09-30 (YTD Data)		Rank
Total interest income	$29,635,000	865
Total interest expense	$11,539,000	793
Net interest income	$18,096,000	900
Provision for loan and lease losses	$1,346,000	2,363
Total noninterest income	$1,158,000	2,568
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$781,000	1,626
Trading account gains and fees	$0	212
Additional Noninterest Income	$377,000	3,285
Total noninterest expense	$15,104,000	1,020
Salaries and employee benefits	$9,053,000	816
Premises and equipment expense	$2,275,000	902
Additional noninterest expense	$3,776,000	1,432
Pre-tax net operating income	$2,804,000	1,160
Securities gains (losses)	$-130,000	7,513
Applicable income taxes	$816,000	993
Income before extraordinary items	$1,858,000	1,443
Extraordinary gains, net	$0	27
Net income	$1,858,000	1,441
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,858,000	1,443
Net charge-offs	$231,000	4,082
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,947,700	1,347
2009-06-30 (YTD Data)		Rank
Total interest income	$19,913,000	878
Total interest expense	$8,018,000	810
Net interest income	$11,895,000	911
Provision for loan and lease losses	$918,000	2,173
Total noninterest income	$748,000	2,635
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$500,000	1,657
Trading account gains and fees	$0	193
Additional Noninterest Income	$248,000	3,317
Total noninterest expense	$10,126,000	1,036
Salaries and employee benefits	$5,972,000	850
Premises and equipment expense	$1,546,000	904
Additional noninterest expense	$2,608,000	1,422
Pre-tax net operating income	$1,599,000	1,433
Securities gains (losses)	$-70,000	7,635
Applicable income taxes	$466,000	1,144
Income before extraordinary items	$1,063,000	1,754
Extraordinary gains, net	$0	21
Net income	$1,063,000	1,751
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,063,000	1,753
Net charge-offs	$237,000	3,232
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,112,000	1,635
2009-03-31 (YTD Data)		Rank
Total interest income	$9,873,000	895
Total interest expense	$4,217,000	794
Net interest income	$5,656,000	951
Provision for loan and lease losses	$272,000	2,469
Total noninterest income	$364,000	2,668
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$241,000	1,673
Trading account gains and fees	$0	171
Additional Noninterest Income	$123,000	3,311
Total noninterest expense	$4,630,000	1,083
Salaries and employee benefits	$2,855,000	896
Premises and equipment expense	$796,000	891
Additional noninterest expense	$979,000	1,654
Pre-tax net operating income	$1,118,000	1,148
Securities gains (losses)	$-25,000	7,884
Applicable income taxes	$331,000	973
Income before extraordinary items	$762,000	1,437
Extraordinary gains, net	$0	15
Net income	$762,000	1,437
Minority interest net income	$0	102
Net income of bank and minority interests.	$762,000	1,439
Net charge-offs	$159,000	2,354
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$779,500	1,330
2008-12-31 (YTD Data)		Rank
Total interest income	$43,128,000	875
Total interest expense	$20,063,000	780
Net interest income	$23,065,000	923
Provision for loan and lease losses	$681,000	3,287
Total noninterest income	$1,476,000	2,665
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$862,000	1,990
Trading account gains and fees	$0	154
Additional Noninterest Income	$614,000	2,855
Total noninterest expense	$17,530,000	1,122
Salaries and employee benefits	$10,832,000	924
Premises and equipment expense	$2,954,000	933
Additional noninterest expense	$3,744,000	1,657
Pre-tax net operating income	$6,330,000	884
Securities gains (losses)	$-166,000	7,318
Applicable income taxes	$1,814,000	736
Income before extraordinary items	$4,350,000	942
Extraordinary gains, net	$0	39
Net income	$4,350,000	941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$401,000	3,120
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$4,467,860	992
2008-09-30 (YTD Data)		Rank
Total interest income	$32,743,000	887
Total interest expense	$15,440,000	793
Net interest income	$17,303,000	939
Provision for loan and lease losses	$482,000	2,778
Total noninterest income	$1,073,000	2,768
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$631,000	2,042
Trading account gains and fees	$0	148
Additional Noninterest Income	$442,000	3,009
Total noninterest expense	$12,950,000	1,129
Salaries and employee benefits	$8,019,000	963
Premises and equipment expense	$2,193,000	947
Additional noninterest expense	$2,738,000	1,634
Pre-tax net operating income	$4,944,000	1,030
Securities gains (losses)	$-91,000	7,524
Applicable income taxes	$1,427,000	878
Income before extraordinary items	$3,426,000	1,085
Extraordinary gains, net	$0	31
Net income	$3,426,000	1,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$353,000	2,362
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$3,490,610	1,120
2008-06-30 (YTD Data)		Rank
Total interest income	$21,959,000	896
Total interest expense	$10,803,000	786
Net interest income	$11,156,000	964
Provision for loan and lease losses	$291,000	2,607
Total noninterest income	$671,000	2,932
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$409,000	2,065
Trading account gains and fees	$0	149
Additional Noninterest Income	$262,000	3,256
Total noninterest expense	$8,469,000	1,150
Salaries and employee benefits	$5,256,000	986
Premises and equipment expense	$1,459,000	937
Additional noninterest expense	$1,754,000	1,677
Pre-tax net operating income	$3,067,000	1,159
Securities gains (losses)	$-16,000	8,160
Applicable income taxes	$896,000	1,024
Income before extraordinary items	$2,155,000	1,280
Extraordinary gains, net	$0	21
Net income	$2,155,000	1,281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$338,000	1,679
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$2,166,360	1,251
2008-03-31 (YTD Data)		Rank
Total interest income	$11,203,000	907
Total interest expense	$5,815,000	788
Net interest income	$5,388,000	997
Provision for loan and lease losses	$132,000	2,339
Total noninterest income	$340,000	2,876
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$212,000	1,972
Trading account gains and fees	$0	158
Additional Noninterest Income	$128,000	3,321
Total noninterest expense	$4,236,000	1,146
Salaries and employee benefits	$2,647,000	992
Premises and equipment expense	$753,000	919
Additional noninterest expense	$836,000	1,703
Pre-tax net operating income	$1,360,000	1,380
Securities gains (losses)	$-17,000	8,359
Applicable income taxes	$392,000	1,214
Income before extraordinary items	$951,000	1,575
Extraordinary gains, net	$0	15
Net income	$951,000	1,577
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$341,000	903
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$963,070	1,501
2007-12-31 (YTD Data)		Rank
Total interest income	$46,633,000	902
Total interest expense	$23,958,000	823
Net interest income	$22,675,000	974
Provision for loan and lease losses	$240,000	3,573
Total noninterest income	$1,457,000	2,758
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$836,000	2,059
Trading account gains and fees	$0	178
Additional Noninterest Income	$621,000	2,955
Total noninterest expense	$16,849,000	1,114
Salaries and employee benefits	$10,431,000	959
Premises and equipment expense	$2,972,000	882
Additional noninterest expense	$3,446,000	1,606
Pre-tax net operating income	$7,043,000	1,205
Securities gains (losses)	$2,000	1,832
Applicable income taxes	$2,013,000	1,130
Income before extraordinary items	$5,032,000	1,273
Extraordinary gains, net	$0	39
Net income	$5,032,000	1,272
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	4,456
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$5,030,580	1,261
2007-09-30 (YTD Data)		Rank
Total interest income	$34,880,000	904
Total interest expense	$17,758,000	841
Net interest income	$17,122,000	965
Provision for loan and lease losses	$180,000	3,151
Total noninterest income	$1,068,000	2,779
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$613,000	2,074
Trading account gains and fees	$0	184
Additional Noninterest Income	$455,000	2,995
Total noninterest expense	$12,694,000	1,101
Salaries and employee benefits	$7,865,000	945
Premises and equipment expense	$2,258,000	873
Additional noninterest expense	$2,571,000	1,574
Pre-tax net operating income	$5,316,000	1,284
Securities gains (losses)	$-1,000	7,322
Applicable income taxes	$1,511,000	1,220
Income before extraordinary items	$3,804,000	1,343
Extraordinary gains, net	$0	33
Net income	$3,804,000	1,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	4,188
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$3,804,720	1,333
2007-06-30 (YTD Data)		Rank
Total interest income	$22,969,000	926
Total interest expense	$11,625,000	853
Net interest income	$11,344,000	989
Provision for loan and lease losses	$120,000	2,960
Total noninterest income	$702,000	2,825
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$409,000	2,072
Trading account gains and fees	$0	168
Additional Noninterest Income	$293,000	3,050
Total noninterest expense	$8,606,000	1,093
Salaries and employee benefits	$5,314,000	949
Premises and equipment expense	$1,563,000	857
Additional noninterest expense	$1,729,000	1,564
Pre-tax net operating income	$3,320,000	1,411
Securities gains (losses)	$-1,000	7,616
Applicable income taxes	$926,000	1,349
Income before extraordinary items	$2,393,000	1,468
Extraordinary gains, net	$0	29
Net income	$2,393,000	1,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	3,409
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$2,393,720	1,449
2007-03-31 (YTD Data)		Rank
Total interest income	$11,282,000	934
Total interest expense	$5,647,000	871
Net interest income	$5,635,000	991
Provision for loan and lease losses	$60,000	2,747
Total noninterest income	$320,000	2,989
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$198,000	2,071
Trading account gains and fees	$0	195
Additional Noninterest Income	$122,000	3,401
Total noninterest expense	$4,284,000	1,096
Salaries and employee benefits	$2,729,000	935
Premises and equipment expense	$696,000	946
Additional noninterest expense	$859,000	1,551
Pre-tax net operating income	$1,611,000	1,442
Securities gains (losses)	$0	1,187
Applicable income taxes	$506,000	1,272
Income before extraordinary items	$1,105,000	1,559
Extraordinary gains, net	$0	22
Net income	$1,105,000	1,560
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	2,158
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$1,105,000	1,546
2006-12-31 (YTD Data)		Rank
Total interest income	$44,303,000	876
Total interest expense	$20,195,000	834
Net interest income	$24,108,000	918
Provision for loan and lease losses	$240,000	3,157
Total noninterest income	$1,509,000	2,689
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$690,000	2,400
Trading account gains and fees	$0	130
Additional Noninterest Income	$819,000	2,553
Total noninterest expense	$16,454,000	1,097
Salaries and employee benefits	$10,255,000	938
Premises and equipment expense	$2,678,000	931
Additional noninterest expense	$3,521,000	1,498
Pre-tax net operating income	$8,923,000	1,103
Securities gains (losses)	$0	1,687
Applicable income taxes	$2,942,000	958
Income before extraordinary items	$5,981,000	1,229
Extraordinary gains, net	$0	51
Net income	$5,981,000	1,230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,380
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$5,981,000	1,216
2006-09-30 (YTD Data)		Rank
Total interest income	$33,047,000	884
Total interest expense	$14,509,000	849
Net interest income	$18,538,000	914
Provision for loan and lease losses	$180,000	3,038
Total noninterest income	$1,177,000	2,626
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$514,000	2,424
Trading account gains and fees	$0	126
Additional Noninterest Income	$663,000	2,401
Total noninterest expense	$12,429,000	1,088
Salaries and employee benefits	$7,708,000	943
Premises and equipment expense	$2,012,000	939
Additional noninterest expense	$2,709,000	1,462
Pre-tax net operating income	$7,106,000	1,079
Securities gains (losses)	$0	1,388
Applicable income taxes	$2,368,000	950
Income before extraordinary items	$4,738,000	1,203
Extraordinary gains, net	$0	45
Net income	$4,738,000	1,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	4,593
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$4,738,000	1,193
2006-06-30 (YTD Data)		Rank
Total interest income	$21,689,000	878
Total interest expense	$9,186,000	849
Net interest income	$12,503,000	903
Provision for loan and lease losses	$120,000	2,983
Total noninterest income	$735,000	2,748
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$328,000	2,482
Trading account gains and fees	$0	126
Additional Noninterest Income	$407,000	2,541
Total noninterest expense	$8,291,000	1,092
Salaries and employee benefits	$5,136,000	951
Premises and equipment expense	$1,355,000	935
Additional noninterest expense	$1,800,000	1,471
Pre-tax net operating income	$4,827,000	1,050
Securities gains (losses)	$0	1,185
Applicable income taxes	$1,622,000	926
Income before extraordinary items	$3,205,000	1,192
Extraordinary gains, net	$0	39
Net income	$3,205,000	1,193
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	3,558
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$3,205,000	1,175
2006-03-31 (YTD Data)		Rank
Total interest income	$10,646,000	868
Total interest expense	$4,322,000	855
Net interest income	$6,324,000	889
Provision for loan and lease losses	$60,000	2,788
Total noninterest income	$387,000	2,600
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$161,000	2,439
Trading account gains and fees	$0	115
Additional Noninterest Income	$226,000	2,321
Total noninterest expense	$4,214,000	1,075
Salaries and employee benefits	$2,597,000	940
Premises and equipment expense	$683,000	928
Additional noninterest expense	$934,000	1,413
Pre-tax net operating income	$2,437,000	1,029
Securities gains (losses)	$0	955
Applicable income taxes	$836,000	903
Income before extraordinary items	$1,601,000	1,166
Extraordinary gains, net	$0	21
Net income	$1,601,000	1,165
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	$1,601,000	1,145
2005-12-31 (YTD Data)		Rank
Total interest income	$40,574,000	792
Total interest expense	$13,975,000	813
Net interest income	$26,599,000	791
Provision for loan and lease losses	$240,000	3,239
Total noninterest income	$1,370,000	2,855
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$717,000	2,298
Trading account gains and fees	$0	138
Additional Noninterest Income	$653,000	2,900
Total noninterest expense	$15,371,000	1,116
Salaries and employee benefits	$9,245,000	994
Premises and equipment expense	$2,397,000	1,004
Additional noninterest expense	$3,729,000	1,367
Pre-tax net operating income	$12,358,000	801
Securities gains (losses)	$-25,000	7,924
Applicable income taxes	$4,564,000	692
Income before extraordinary items	$7,769,000	927
Extraordinary gains, net	$0	46
Net income	$7,769,000	927
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	4,447
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$7,785,000	909
2005-09-30 (YTD Data)		Rank
Total interest income	$30,015,000	777
Total interest expense	$10,013,000	803
Net interest income	$20,002,000	783
Provision for loan and lease losses	$180,000	3,127
Total noninterest income	$1,046,000	2,814
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$547,000	2,272
Trading account gains and fees	$0	126
Additional Noninterest Income	$499,000	2,887
Total noninterest expense	$11,404,000	1,113
Salaries and employee benefits	$6,871,000	994
Premises and equipment expense	$1,682,000	1,064
Additional noninterest expense	$2,851,000	1,339
Pre-tax net operating income	$9,464,000	783
Securities gains (losses)	$-11,000	7,939
Applicable income taxes	$3,498,000	687
Income before extraordinary items	$5,955,000	903
Extraordinary gains, net	$0	35
Net income	$5,955,000	905
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	3,945
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$5,962,040	887
2005-06-30 (YTD Data)		Rank
Total interest income	$19,633,000	781
Total interest expense	$6,462,000	776
Net interest income	$13,171,000	789
Provision for loan and lease losses	$120,000	3,004
Total noninterest income	$670,000	2,862
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$367,000	2,224
Trading account gains and fees	$0	116
Additional Noninterest Income	$303,000	3,034
Total noninterest expense	$7,558,000	1,108
Salaries and employee benefits	$4,569,000	988
Premises and equipment expense	$1,132,000	1,042
Additional noninterest expense	$1,857,000	1,343
Pre-tax net operating income	$6,163,000	782
Securities gains (losses)	$0	2,146
Applicable income taxes	$2,281,000	689
Income before extraordinary items	$3,882,000	902
Extraordinary gains, net	$0	30
Net income	$3,882,000	902
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	3,128
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$3,882,000	880
2005-03-31 (YTD Data)		Rank
Total interest income	$9,697,000	771
Total interest expense	$3,133,000	767
Net interest income	$6,564,000	792
Provision for loan and lease losses	$60,000	2,830
Total noninterest income	$329,000	2,842
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$185,000	2,151
Trading account gains and fees	$0	115
Additional Noninterest Income	$144,000	3,044
Total noninterest expense	$3,661,000	1,144
Salaries and employee benefits	$2,232,000	1,000
Premises and equipment expense	$574,000	1,037
Additional noninterest expense	$855,000	1,466
Pre-tax net operating income	$3,172,000	766
Securities gains (losses)	$0	1,685
Applicable income taxes	$1,174,000	671
Income before extraordinary items	$1,998,000	871
Extraordinary gains, net	$0	24
Net income	$1,998,000	872
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	1,985
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$1,998,000	853
2004-12-31 (YTD Data)		Rank
Total interest income	$36,487,000	768
Total interest expense	$11,504,000	722
Net interest income	$24,983,000	792
Provision for loan and lease losses	$360,000	2,548
Total noninterest income	$1,258,000	3,021
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$701,000	2,364
Trading account gains and fees	$0	138
Additional Noninterest Income	$557,000	3,107
Total noninterest expense	$14,233,000	1,147
Salaries and employee benefits	$8,573,000	1,005
Premises and equipment expense	$1,990,000	1,153
Additional noninterest expense	$3,670,000	1,358
Pre-tax net operating income	$11,648,000	764
Securities gains (losses)	$0	3,819
Applicable income taxes	$4,310,000	663
Income before extraordinary items	$7,338,000	895
Extraordinary gains, net	$0	34
Net income	$7,338,000	896
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	8,177
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$7,338,000	860
2004-09-30 (YTD Data)		Rank
Total interest income	$26,928,000	775
Total interest expense	$8,323,000	731
Net interest income	$18,605,000	791
Provision for loan and lease losses	$270,000	2,429
Total noninterest income	$985,000	2,966
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$529,000	2,379
Trading account gains and fees	$0	134
Additional Noninterest Income	$456,000	2,963
Total noninterest expense	$10,500,000	1,161
Salaries and employee benefits	$6,301,000	1,017
Premises and equipment expense	$1,490,000	1,160
Additional noninterest expense	$2,709,000	1,367
Pre-tax net operating income	$8,820,000	751
Securities gains (losses)	$-2,000	8,174
Applicable income taxes	$3,263,000	677
Income before extraordinary items	$5,555,000	894
Extraordinary gains, net	$0	26
Net income	$5,555,000	895
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,579
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$5,556,280	854
2004-06-30 (YTD Data)		Rank
Total interest income	$17,768,000	780
Total interest expense	$5,405,000	739
Net interest income	$12,363,000	782
Provision for loan and lease losses	$180,000	2,366
Total noninterest income	$672,000	2,922
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$361,000	2,330
Trading account gains and fees	$0	130
Additional Noninterest Income	$311,000	2,929
Total noninterest expense	$6,831,000	1,181
Salaries and employee benefits	$4,146,000	1,026
Premises and equipment expense	$976,000	1,190
Additional noninterest expense	$1,709,000	1,416
Pre-tax net operating income	$6,024,000	742
Securities gains (losses)	$0	3,413
Applicable income taxes	$2,229,000	665
Income before extraordinary items	$3,795,000	862
Extraordinary gains, net	$0	21
Net income	$3,795,000	862
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	8,234
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$3,795,000	823
2004-03-31 (YTD Data)		Rank
Total interest income	$8,878,000	796
Total interest expense	$2,679,000	753
Net interest income	$6,199,000	791
Provision for loan and lease losses	$90,000	2,254
Total noninterest income	$340,000	2,841
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$188,000	2,208
Trading account gains and fees	$0	121
Additional Noninterest Income	$152,000	2,923
Total noninterest expense	$3,391,000	1,196
Salaries and employee benefits	$2,054,000	1,051
Premises and equipment expense	$487,000	1,197
Additional noninterest expense	$850,000	1,418
Pre-tax net operating income	$3,058,000	732
Securities gains (losses)	$0	2,934
Applicable income taxes	$1,147,000	660
Income before extraordinary items	$1,911,000	862
Extraordinary gains, net	$0	16
Net income	$1,911,000	862
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,591
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$1,911,000	811
2003-12-31 (YTD Data)		Rank
Total interest income	$36,237,000	783
Total interest expense	$11,980,000	731
Net interest income	$24,257,000	787
Provision for loan and lease losses	$333,000	2,945
Total noninterest income	$1,374,000	3,016
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$684,000	2,406
Trading account gains and fees	$0	160
Additional Noninterest Income	$690,000	2,992
Total noninterest expense	$12,335,000	1,316
Salaries and employee benefits	$7,438,000	1,141
Premises and equipment expense	$1,730,000	1,321
Additional noninterest expense	$3,167,000	1,559
Pre-tax net operating income	$12,963,000	678
Securities gains (losses)	$0	4,500
Applicable income taxes	$4,861,000	633
Income before extraordinary items	$8,102,000	800
Extraordinary gains, net	$0	54
Net income	$8,102,000	802
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	8,435
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$8,102,000	754
2003-09-30 (YTD Data)		Rank
Total interest income	$27,293,000	800
Total interest expense	$9,245,000	744
Net interest income	$18,048,000	809
Provision for loan and lease losses	$333,000	2,327
Total noninterest income	$1,029,000	3,071
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$487,000	2,534
Trading account gains and fees	$0	153
Additional Noninterest Income	$542,000	2,987
Total noninterest expense	$9,117,000	1,339
Salaries and employee benefits	$5,491,000	1,167
Premises and equipment expense	$1,299,000	1,324
Additional noninterest expense	$2,327,000	1,577
Pre-tax net operating income	$9,627,000	708
Securities gains (losses)	$0	4,204
Applicable income taxes	$3,610,000	669
Income before extraordinary items	$6,017,000	839
Extraordinary gains, net	$0	40
Net income	$6,017,000	841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	8,291
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$6,017,000	780
2003-06-30 (YTD Data)		Rank
Total interest income	$18,318,000	803
Total interest expense	$6,376,000	746
Net interest income	$11,942,000	811
Provision for loan and lease losses	$250,000	2,117
Total noninterest income	$650,000	3,170
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$312,000	2,570
Trading account gains and fees	$0	150
Additional Noninterest Income	$338,000	3,077
Total noninterest expense	$6,099,000	1,341
Salaries and employee benefits	$3,676,000	1,161
Premises and equipment expense	$868,000	1,321
Additional noninterest expense	$1,555,000	1,557
Pre-tax net operating income	$6,243,000	725
Securities gains (losses)	$0	3,782
Applicable income taxes	$2,341,000	684
Income before extraordinary items	$3,902,000	866
Extraordinary gains, net	$0	30
Net income	$3,902,000	867
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,334
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$3,902,000	797
2003-03-31 (YTD Data)		Rank
Total interest income	$9,175,000	814
Total interest expense	$3,212,000	756
Net interest income	$5,963,000	814
Provision for loan and lease losses	$125,000	1,986
Total noninterest income	$321,000	3,096
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$153,000	2,549
Trading account gains and fees	$0	134
Additional Noninterest Income	$168,000	3,012
Total noninterest expense	$2,986,000	1,352
Salaries and employee benefits	$1,770,000	1,205
Premises and equipment expense	$449,000	1,284
Additional noninterest expense	$767,000	1,543
Pre-tax net operating income	$3,173,000	722
Securities gains (losses)	$0	2,891
Applicable income taxes	$1,190,000	682
Income before extraordinary items	$1,983,000	851
Extraordinary gains, net	$0	21
Net income	$1,983,000	851
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	3,119
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,983,000	779
2002-12-31 (YTD Data)		Rank
Total interest income	$37,045,000	807
Total interest expense	$14,371,000	779
Net interest income	$22,674,000	850
Provision for loan and lease losses	$350,000	3,125
Total noninterest income	$1,258,000	2,978
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$658,000	2,372
Trading account gains and fees	$0	153
Additional Noninterest Income	$600,000	2,960
Total noninterest expense	$11,628,000	1,330
Salaries and employee benefits	$6,858,000	1,177
Premises and equipment expense	$1,682,000	1,303
Additional noninterest expense	$3,088,000	1,535
Pre-tax net operating income	$11,954,000	735
Securities gains (losses)	$385,000	771
Applicable income taxes	$4,773,000	615
Income before extraordinary items	$7,566,000	834
Extraordinary gains, net	$0	70
Net income	$7,566,000	833
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	5,115
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$7,319,600	823
2001-12-31 (YTD Data)		Rank
Total interest income	$36,620,000	935
Total interest expense	$19,787,000	827
Net interest income	$16,833,000	1,061
Provision for loan and lease losses	$240,000	3,705
Total noninterest income	$1,393,000	2,655
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$568,000	2,549
Trading account gains and fees	$0	177
Additional Noninterest Income	$825,000	2,340
Total noninterest expense	$10,569,000	1,392
Salaries and employee benefits	$5,965,000	1,245
Premises and equipment expense	$1,572,000	1,362
Additional noninterest expense	$3,032,000	1,532
Pre-tax net operating income	$7,417,000	1,008
Securities gains (losses)	$-433,000	9,573
Applicable income taxes	$2,407,000	1,006
Income before extraordinary items	$4,577,000	1,184
Extraordinary gains, net	$0	105
Net income	$4,577,000	1,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,166
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$4,862,780	1,084
2000-12-31 (YTD Data)		Rank
Total interest income	$35,497,000	1,002
Total interest expense	$19,019,000	939
Net interest income	$16,478,000	1,066
Provision for loan and lease losses	$120,000	4,828
Total noninterest income	$1,211,000	2,740
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$484,000	2,770
Trading account gains and fees	$0	180
Additional Noninterest Income	$727,000	2,296
Total noninterest expense	$9,830,000	1,408
Salaries and employee benefits	$5,578,000	1,266
Premises and equipment expense	$1,314,000	1,578
Additional noninterest expense	$2,938,000	1,519
Pre-tax net operating income	$7,739,000	994
Securities gains (losses)	$0	1,956
Applicable income taxes	$2,731,000	896
Income before extraordinary items	$5,008,000	1,067
Extraordinary gains, net	$0	38
Net income	$5,008,000	1,066
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$286,000	1,886
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$5,008,000	1,065
1999-12-31 (YTD Data)		Rank
Total interest income	$31,822,000	1,034
Total interest expense	$16,364,000	955
Net interest income	$15,458,000	1,136
Provision for loan and lease losses	$130,000	4,573
Total noninterest income	$1,159,000	2,776
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$494,000	2,664
Trading account gains and fees	$0	173
Additional Noninterest Income	$665,000	2,454
Total noninterest expense	$8,787,000	1,570
Salaries and employee benefits	$4,860,000	1,418
Premises and equipment expense	$1,209,000	1,692
Additional noninterest expense	$2,718,000	1,642
Pre-tax net operating income	$7,700,000	1,014
Securities gains (losses)	$0	3,155
Applicable income taxes	$2,895,000	908
Income before extraordinary items	$4,805,000	1,143
Extraordinary gains, net	$0	35
Net income	$4,805,000	1,143
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$4,805,000	1,123
1998-12-31 (YTD Data)		Rank
Total interest income	$29,148,000	1,112
Total interest expense	$15,495,000	1,024
Net interest income	$13,653,000	1,239
Provision for loan and lease losses	$40,000	6,927
Total noninterest income	$1,201,000	2,690
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$433,000	2,922
Trading account gains and fees	$0	224
Additional Noninterest Income	$768,000	2,236
Total noninterest expense	$7,596,000	1,729
Salaries and employee benefits	$3,900,000	1,698
Premises and equipment expense	$1,162,000	1,702
Additional noninterest expense	$2,534,000	1,691
Pre-tax net operating income	$7,218,000	1,050
Securities gains (losses)	$0	4,449
Applicable income taxes	$2,812,000	923
Income before extraordinary items	$4,406,000	1,211
Extraordinary gains, net	$0	32
Net income	$4,406,000	1,211
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,450
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$4,406,000	1,174
1997-12-31 (YTD Data)		Rank
Total interest income	$26,936,000	1,248
Total interest expense	$14,057,000	1,150
Net interest income	$12,879,000	1,351
Provision for loan and lease losses	$0	8,829
Total noninterest income	$1,148,000	2,734
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$452,000	2,883
Trading account gains and fees	$0	239
Additional Noninterest Income	$696,000	2,227
Total noninterest expense	$6,911,000	1,873
Salaries and employee benefits	$3,510,000	1,866
Premises and equipment expense	$1,096,000	1,805
Additional noninterest expense	$2,305,000	1,845
Pre-tax net operating income	$7,116,000	1,125
Securities gains (losses)	$0	3,944
Applicable income taxes	$2,907,000	963
Income before extraordinary items	$4,209,000	1,297
Extraordinary gains, net	$0	44
Net income	$4,209,000	1,298
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$184,000	2,672
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$4,209,000	1,262
1996-12-31 (YTD Data)		Rank
Total interest income	$24,573,000	1,393
Total interest expense	$13,138,000	1,242
Net interest income	$11,435,000	1,550
Provision for loan and lease losses	$0	9,041
Total noninterest income	$1,059,000	2,991
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$356,000	3,699
Trading account gains and fees	$0	262
Additional Noninterest Income	$703,000	2,291
Total noninterest expense	$6,707,000	2,073
Salaries and employee benefits	$3,085,000	2,165
Premises and equipment expense	$1,167,000	1,728
Additional noninterest expense	$2,455,000	2,042
Pre-tax net operating income	$5,787,000	1,243
Securities gains (losses)	$0	4,148
Applicable income taxes	$2,070,000	1,194
Income before extraordinary items	$3,717,000	1,340
Extraordinary gains, net	$0	53
Net income	$3,717,000	1,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,972
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$3,717,000	1,303
1995-12-31 (YTD Data)		Rank
Total interest income	$21,186,000	1,595
Total interest expense	$10,697,000	1,508
Net interest income	$10,489,000	1,704
Provision for loan and lease losses	$180,000	3,223
Total noninterest income	$1,189,000	2,749
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$291,000	4,406
Trading account gains and fees	$0	522
Additional Noninterest Income	$898,000	1,943
Total noninterest expense	$6,382,000	2,155
Salaries and employee benefits	$3,082,000	2,145
Premises and equipment expense	$1,094,000	1,848
Additional noninterest expense	$2,206,000	2,220
Pre-tax net operating income	$5,116,000	1,476
Securities gains (losses)	$0	3,831
Applicable income taxes	$2,065,000	1,242
Income before extraordinary items	$3,051,000	1,665
Extraordinary gains, net	$0	65
Net income	$3,051,000	1,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	3,622
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$3,051,000	1,649
1994-12-31 (YTD Data)		Rank
Total interest income	$18,311,000	1,686
Total interest expense	$8,230,000	1,552
Net interest income	$10,081,000	1,790
Provision for loan and lease losses	$300,000	2,237
Total noninterest income	$773,000	3,825
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$215,000	5,588
Trading account gains and fees	$0	475
Additional Noninterest Income	$558,000	2,740
Total noninterest expense	$6,210,000	2,275
Salaries and employee benefits	$2,924,000	2,287
Premises and equipment expense	$1,042,000	1,949
Additional noninterest expense	$2,244,000	2,338
Pre-tax net operating income	$4,344,000	1,656
Securities gains (losses)	$6,000	2,522
Applicable income taxes	$1,744,000	1,348
Income before extraordinary items	$2,606,000	1,873
Extraordinary gains, net	$0	249
Net income	$2,606,000	1,871
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$251,000	2,143
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,602,160	1,872
1993-12-31 (YTD Data)		Rank
Total interest income	$18,300,000	1,709
Total interest expense	$8,505,000	1,569
Net interest income	$9,795,000	1,836
Provision for loan and lease losses	$480,000	2,158
Total noninterest income	$871,000	3,732
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$44,000	10,269
Trading account gains and fees	$0	532
Additional Noninterest Income	$827,000	2,340
Total noninterest expense	$5,681,000	2,523
Salaries and employee benefits	$2,653,000	2,502
Premises and equipment expense	$910,000	2,248
Additional noninterest expense	$2,118,000	2,594
Pre-tax net operating income	$4,505,000	1,553
Securities gains (losses)	$41,000	3,697
Applicable income taxes	$1,800,000	1,330
Income before extraordinary items	$2,746,000	1,814
Extraordinary gains, net	$-42,000	12,675
Net income	$2,704,000	1,903
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$236,000	2,836
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,719,760	1,726
1992-12-31 (YTD Data)		Rank
Total interest income	$19,692,000	1,801
Total interest expense	$10,333,000	1,675
Net interest income	$9,359,000	1,954
Provision for loan and lease losses	$910,000	1,955
Total noninterest income	$965,000	3,414
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$56,000	10,079
Trading account gains and fees	$0	504
Additional Noninterest Income	$909,000	2,138
Total noninterest expense	$5,360,000	2,691
Salaries and employee benefits	$2,591,000	2,490
Premises and equipment expense	$848,000	2,435
Additional noninterest expense	$1,921,000	2,896
Pre-tax net operating income	$4,054,000	1,550
Securities gains (losses)	$31,000	4,927
Applicable income taxes	$1,781,000	1,243
Income before extraordinary items	$2,304,000	1,987
Extraordinary gains, net	$0	1,422
Net income	$2,304,000	2,018
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$576,000	2,230
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$2,284,160	1,842

* 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.