Home > Points West Community Bank > Income and Expense

Points West Community Bank, Income and Expense

2019-12-31 (YTD Data)		Rank
Total interest income	$16,595,000	1,787
Total interest expense	$2,998,000	1,805
Net interest income	$13,597,000	1,750
Provision for loan and lease losses	$0	3,973
Total noninterest income	$1,321,000	2,448
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$525,000	1,852
Trading account gains and fees	NA	NA
Additional Noninterest Income	$796,000	2,508
Total noninterest expense	$9,070,000	2,062
Salaries and employee benefits	$5,549,000	1,962
Premises and equipment expense	$892,000	2,197
Additional noninterest expense	$2,629,000	2,134
Pre-tax net operating income	$5,848,000	1,568
Securities gains (losses)	$7,000	2,003
Applicable income taxes	$92,000	3,057
Income before extraordinary items	$5,763,000	1,425
Extraordinary gains, net	$0	11
Net income	$5,763,000	1,427
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,763,000	1,427
Net charge-offs	$11,000	3,294
Cash dividends	$5,585,000	734
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$5,756,140	1,397
2019-09-30 (YTD Data)		Rank
Total interest income	$12,407,000	1,801
Total interest expense	$2,259,000	1,811
Net interest income	$10,148,000	1,783
Provision for loan and lease losses	$0	3,836
Total noninterest income	$994,000	2,462
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$398,000	1,839
Trading account gains and fees	NA	NA
Additional Noninterest Income	$596,000	2,512
Total noninterest expense	$6,866,000	2,048
Salaries and employee benefits	$4,142,000	1,972
Premises and equipment expense	$653,000	2,234
Additional noninterest expense	$2,071,000	2,066
Pre-tax net operating income	$4,276,000	1,632
Securities gains (losses)	$0	2,167
Applicable income taxes	$68,000	3,128
Income before extraordinary items	$4,208,000	1,488
Extraordinary gains, net	$0	11
Net income	$4,208,000	1,489
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,208,000	1,490
Net charge-offs	$11,000	2,925
Cash dividends	$3,835,000	743
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$4,208,000	1,452
2019-06-30 (YTD Data)		Rank
Total interest income	$8,160,000	1,819
Total interest expense	$1,455,000	1,835
Net interest income	$6,705,000	1,797
Provision for loan and lease losses	$0	3,685
Total noninterest income	$648,000	2,451
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$261,000	1,844
Trading account gains and fees	NA	NA
Additional Noninterest Income	$387,000	2,518
Total noninterest expense	$4,497,000	2,088
Salaries and employee benefits	$2,772,000	1,970
Premises and equipment expense	$413,000	2,326
Additional noninterest expense	$1,312,000	2,151
Pre-tax net operating income	$2,856,000	1,611
Securities gains (losses)	$0	1,702
Applicable income taxes	$46,000	3,120
Income before extraordinary items	$2,810,000	1,462
Extraordinary gains, net	$0	11
Net income	$2,810,000	1,461
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,810,000	1,462
Net charge-offs	$-6,000	4,333
Cash dividends	$2,635,000	719
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,810,000	1,435
2019-03-31 (YTD Data)		Rank
Total interest income	$4,039,000	1,843
Total interest expense	$693,000	1,854
Net interest income	$3,346,000	1,805
Provision for loan and lease losses	$0	3,406
Total noninterest income	$321,000	2,447
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$126,000	1,884
Trading account gains and fees	NA	NA
Additional Noninterest Income	$195,000	2,423
Total noninterest expense	$2,193,000	2,135
Salaries and employee benefits	$1,294,000	2,089
Premises and equipment expense	$206,000	2,355
Additional noninterest expense	$693,000	2,044
Pre-tax net operating income	$1,474,000	1,550
Securities gains (losses)	$0	1,087
Applicable income taxes	$23,000	3,098
Income before extraordinary items	$1,451,000	1,391
Extraordinary gains, net	$0	5
Net income	$1,451,000	1,389
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,451,000	1,390
Net charge-offs	$4,000	2,286
Cash dividends	$1,335,000	692
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,451,000	1,368
2018-12-31 (YTD Data)		Rank
Total interest income	$15,534,000	1,817
Total interest expense	$2,288,000	1,764
Net interest income	$13,246,000	1,794
Provision for loan and lease losses	$0	4,082
Total noninterest income	$1,315,000	2,486
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$551,000	1,845
Trading account gains and fees	NA	NA
Additional Noninterest Income	$764,000	2,552
Total noninterest expense	$8,846,000	2,089
Salaries and employee benefits	$5,120,000	2,052
Premises and equipment expense	$860,000	2,260
Additional noninterest expense	$2,866,000	1,999
Pre-tax net operating income	$5,715,000	1,588
Securities gains (losses)	$3,000	894
Applicable income taxes	$93,000	3,123
Income before extraordinary items	$5,625,000	1,434
Extraordinary gains, net	$0	6
Net income	$5,625,000	1,434
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,625,000	1,433
Net charge-offs	$-49,000	4,876
Cash dividends	$5,545,000	682
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$5,622,060	1,427
2018-09-30 (YTD Data)		Rank
Total interest income	$11,520,000	1,815
Total interest expense	$1,637,000	1,750
Net interest income	$9,883,000	1,799
Provision for loan and lease losses	$0	3,948
Total noninterest income	$962,000	2,558
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$403,000	1,897
Trading account gains and fees	NA	NA
Additional Noninterest Income	$559,000	2,613
Total noninterest expense	$6,504,000	2,121
Salaries and employee benefits	$3,764,000	2,082
Premises and equipment expense	$647,000	2,269
Additional noninterest expense	$2,093,000	2,041
Pre-tax net operating income	$4,341,000	1,576
Securities gains (losses)	$3,000	888
Applicable income taxes	$72,000	3,177
Income before extraordinary items	$4,272,000	1,425
Extraordinary gains, net	$0	5
Net income	$4,272,000	1,424
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,272,000	1,424
Net charge-offs	$-57,000	4,967
Cash dividends	$4,195,000	621
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$4,269,060	1,414
2018-06-30 (YTD Data)		Rank
Total interest income	$7,515,000	1,831
Total interest expense	$1,042,000	1,722
Net interest income	$6,473,000	1,817
Provision for loan and lease losses	$0	3,782
Total noninterest income	$627,000	2,590
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$266,000	1,898
Trading account gains and fees	NA	NA
Additional Noninterest Income	$361,000	2,659
Total noninterest expense	$4,335,000	2,123
Salaries and employee benefits	$2,568,000	2,062
Premises and equipment expense	$414,000	2,353
Additional noninterest expense	$1,353,000	2,113
Pre-tax net operating income	$2,765,000	1,611
Securities gains (losses)	$0	961
Applicable income taxes	$49,000	3,147
Income before extraordinary items	$2,716,000	1,457
Extraordinary gains, net	$0	6
Net income	$2,716,000	1,457
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,716,000	1,456
Net charge-offs	$-7,000	4,412
Cash dividends	$2,645,000	617
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,716,000	1,445
2018-03-31 (YTD Data)		Rank
Total interest income	$3,721,000	1,826
Total interest expense	$505,000	1,702
Net interest income	$3,216,000	1,817
Provision for loan and lease losses	$0	3,508
Total noninterest income	$284,000	2,694
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$130,000	1,934
Trading account gains and fees	NA	NA
Additional Noninterest Income	$154,000	2,806
Total noninterest expense	$2,080,000	2,210
Salaries and employee benefits	$1,199,000	2,192
Premises and equipment expense	$211,000	2,364
Additional noninterest expense	$670,000	2,111
Pre-tax net operating income	$1,420,000	1,549
Securities gains (losses)	$0	735
Applicable income taxes	$25,000	3,125
Income before extraordinary items	$1,395,000	1,406
Extraordinary gains, net	$0	7
Net income	$1,395,000	1,406
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,395,000	1,406
Net charge-offs	$-6,000	4,537
Cash dividends	$1,385,000	568
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,395,000	1,395
2017-12-31 (YTD Data)		Rank
Total interest income	$12,889,000	1,993
Total interest expense	$1,512,000	1,912
Net interest income	$11,377,000	2,007
Provision for loan and lease losses	$0	4,227
Total noninterest income	$1,083,000	2,830
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$470,000	2,130
Trading account gains and fees	NA	NA
Additional Noninterest Income	$613,000	2,900
Total noninterest expense	$7,794,000	2,321
Salaries and employee benefits	$4,487,000	2,275
Premises and equipment expense	$829,000	2,396
Additional noninterest expense	$2,478,000	2,277
Pre-tax net operating income	$4,666,000	1,814
Securities gains (losses)	$4,000	1,851
Applicable income taxes	$78,000	3,391
Income before extraordinary items	$4,592,000	1,439
Extraordinary gains, net	$0	9
Net income	$4,592,000	1,438
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,592,000	1,439
Net charge-offs	$28,000	3,269
Cash dividends	$4,415,000	750
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$4,588,080	1,425
2017-09-30 (YTD Data)		Rank
Total interest income	$9,604,000	2,009
Total interest expense	$1,115,000	1,907
Net interest income	$8,489,000	2,015
Provision for loan and lease losses	$0	4,088
Total noninterest income	$851,000	2,788
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$356,000	2,130
Trading account gains and fees	NA	NA
Additional Noninterest Income	$495,000	2,823
Total noninterest expense	$5,774,000	2,347
Salaries and employee benefits	$3,329,000	2,308
Premises and equipment expense	$606,000	2,457
Additional noninterest expense	$1,839,000	2,282
Pre-tax net operating income	$3,566,000	1,807
Securities gains (losses)	$4,000	1,878
Applicable income taxes	$77,000	3,284
Income before extraordinary items	$3,493,000	1,527
Extraordinary gains, net	$0	9
Net income	$3,493,000	1,526
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,493,000	1,527
Net charge-offs	$17,000	3,057
Cash dividends	$3,315,000	712
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,489,080	1,510
2017-06-30 (YTD Data)		Rank
Total interest income	$6,383,000	2,003
Total interest expense	$732,000	1,906
Net interest income	$5,651,000	2,003
Provision for loan and lease losses	$0	3,871
Total noninterest income	$555,000	2,824
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$236,000	2,124
Trading account gains and fees	NA	NA
Additional Noninterest Income	$319,000	2,859
Total noninterest expense	$3,870,000	2,337
Salaries and employee benefits	$2,343,000	2,213
Premises and equipment expense	$395,000	2,504
Additional noninterest expense	$1,132,000	2,448
Pre-tax net operating income	$2,336,000	1,798
Securities gains (losses)	$0	1,906
Applicable income taxes	$39,000	3,410
Income before extraordinary items	$2,297,000	1,525
Extraordinary gains, net	$0	11
Net income	$2,297,000	1,525
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,297,000	1,525
Net charge-offs	$18,000	2,639
Cash dividends	$2,165,000	712
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,297,000	1,514
2017-03-31 (YTD Data)		Rank
Total interest income	$3,162,000	2,006
Total interest expense	$359,000	1,916
Net interest income	$2,803,000	2,008
Provision for loan and lease losses	$0	3,537
Total noninterest income	$259,000	2,906
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$113,000	2,201
Trading account gains and fees	NA	NA
Additional Noninterest Income	$146,000	2,965
Total noninterest expense	$1,878,000	2,415
Salaries and employee benefits	$1,105,000	2,342
Premises and equipment expense	$213,000	2,404
Additional noninterest expense	$560,000	2,448
Pre-tax net operating income	$1,184,000	1,732
Securities gains (losses)	$0	1,153
Applicable income taxes	$19,000	3,380
Income before extraordinary items	$1,165,000	1,494
Extraordinary gains, net	$0	8
Net income	$1,165,000	1,494
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,165,000	1,494
Net charge-offs	$-2,000	4,280
Cash dividends	$729,000	932
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,165,000	1,476
2016-12-31 (YTD Data)		Rank
Total interest income	$12,611,000	1,992
Total interest expense	$1,470,000	1,827
Net interest income	$11,141,000	1,989
Provision for loan and lease losses	$0	4,332
Total noninterest income	$1,140,000	2,827
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$507,000	2,060
Trading account gains and fees	$0	170
Additional Noninterest Income	$633,000	2,962
Total noninterest expense	$7,838,000	2,331
Salaries and employee benefits	$4,509,000	2,266
Premises and equipment expense	$845,000	2,398
Additional noninterest expense	$2,484,000	2,323
Pre-tax net operating income	$4,443,000	1,775
Securities gains (losses)	$5,000	2,878
Applicable income taxes	$77,000	3,434
Income before extraordinary items	$4,371,000	1,545
Extraordinary gains, net	$0	5
Net income	$4,371,000	1,544
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,371,000	1,544
Net charge-offs	$39,000	3,314
Cash dividends	$4,300,000	772
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,366,100	1,516
2016-09-30 (YTD Data)		Rank
Total interest income	$9,501,000	1,978
Total interest expense	$1,100,000	1,833
Net interest income	$8,401,000	1,981
Provision for loan and lease losses	$0	4,186
Total noninterest income	$901,000	2,780
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$385,000	2,052
Trading account gains and fees	$0	169
Additional Noninterest Income	$516,000	2,865
Total noninterest expense	$5,817,000	2,355
Salaries and employee benefits	$3,336,000	2,292
Premises and equipment expense	$618,000	2,450
Additional noninterest expense	$1,863,000	2,319
Pre-tax net operating income	$3,485,000	1,743
Securities gains (losses)	$5,000	2,808
Applicable income taxes	$58,000	3,503
Income before extraordinary items	$3,432,000	1,507
Extraordinary gains, net	$0	5
Net income	$3,432,000	1,506
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,432,000	1,507
Net charge-offs	$12,000	3,364
Cash dividends	$3,150,000	727
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$3,427,100	1,468
2016-06-30 (YTD Data)		Rank
Total interest income	$6,299,000	2,000
Total interest expense	$729,000	1,847
Net interest income	$5,570,000	2,005
Provision for loan and lease losses	$0	4,017
Total noninterest income	$600,000	2,751
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$249,000	2,074
Trading account gains and fees	$0	157
Additional Noninterest Income	$351,000	2,833
Total noninterest expense	$3,936,000	2,331
Salaries and employee benefits	$2,284,000	2,248
Premises and equipment expense	$409,000	2,474
Additional noninterest expense	$1,243,000	2,325
Pre-tax net operating income	$2,234,000	1,786
Securities gains (losses)	$5,000	2,477
Applicable income taxes	$39,000	3,514
Income before extraordinary items	$2,200,000	1,538
Extraordinary gains, net	$0	16
Net income	$2,200,000	1,537
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,200,000	1,538
Net charge-offs	$4,000	3,372
Cash dividends	$1,900,000	805
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,195,100	1,504
2016-03-31 (YTD Data)		Rank
Total interest income	$3,132,000	2,001
Total interest expense	$357,000	1,886
Net interest income	$2,775,000	2,008
Provision for loan and lease losses	$0	3,656
Total noninterest income	$289,000	2,777
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$119,000	2,140
Trading account gains and fees	$0	142
Additional Noninterest Income	$170,000	2,832
Total noninterest expense	$1,886,000	2,430
Salaries and employee benefits	$1,080,000	2,362
Premises and equipment expense	$203,000	2,520
Additional noninterest expense	$603,000	2,372
Pre-tax net operating income	$1,178,000	1,705
Securities gains (losses)	$0	2,077
Applicable income taxes	$19,000	3,504
Income before extraordinary items	$1,159,000	1,447
Extraordinary gains, net	$0	12
Net income	$1,159,000	1,447
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,159,000	1,448
Net charge-offs	$8,000	2,423
Cash dividends	$1,000,000	720
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,159,000	1,415
2015-12-31 (YTD Data)		Rank
Total interest income	$12,472,000	1,957
Total interest expense	$1,444,000	1,830
Net interest income	$11,028,000	1,960
Provision for loan and lease losses	$513,000	1,321
Total noninterest income	$1,180,000	2,816
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$487,000	2,179
Trading account gains and fees	$0	159
Additional Noninterest Income	$693,000	2,855
Total noninterest expense	$7,826,000	2,334
Salaries and employee benefits	$4,469,000	2,263
Premises and equipment expense	$882,000	2,388
Additional noninterest expense	$2,475,000	2,361
Pre-tax net operating income	$3,869,000	1,920
Securities gains (losses)	$14,000	2,423
Applicable income taxes	$81,000	3,431
Income before extraordinary items	$3,802,000	1,667
Extraordinary gains, net	$0	23
Net income	$3,802,000	1,668
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,802,000	1,669
Net charge-offs	$20,000	3,764
Cash dividends	$3,200,000	925
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,788,280	1,641
2015-09-30 (YTD Data)		Rank
Total interest income	$9,384,000	1,971
Total interest expense	$1,097,000	1,830
Net interest income	$8,287,000	1,971
Provision for loan and lease losses	$514,000	1,020
Total noninterest income	$884,000	2,834
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$361,000	2,211
Trading account gains and fees	$0	153
Additional Noninterest Income	$523,000	2,861
Total noninterest expense	$5,818,000	2,351
Salaries and employee benefits	$3,338,000	2,276
Premises and equipment expense	$675,000	2,377
Additional noninterest expense	$1,805,000	2,408
Pre-tax net operating income	$2,839,000	1,997
Securities gains (losses)	$9,000	2,412
Applicable income taxes	$60,000	3,544
Income before extraordinary items	$2,788,000	1,736
Extraordinary gains, net	$0	21
Net income	$2,788,000	1,738
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,788,000	1,739
Net charge-offs	$8,000	3,710
Cash dividends	$2,400,000	843
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,779,180	1,699
2015-06-30 (YTD Data)		Rank
Total interest income	$6,238,000	1,981
Total interest expense	$741,000	1,817
Net interest income	$5,497,000	1,973
Provision for loan and lease losses	$14,000	3,681
Total noninterest income	$559,000	2,912
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$226,000	2,280
Trading account gains and fees	$0	157
Additional Noninterest Income	$333,000	2,931
Total noninterest expense	$3,896,000	2,360
Salaries and employee benefits	$2,282,000	2,237
Premises and equipment expense	$452,000	2,381
Additional noninterest expense	$1,162,000	2,502
Pre-tax net operating income	$2,146,000	1,797
Securities gains (losses)	$9,000	2,056
Applicable income taxes	$41,000	3,553
Income before extraordinary items	$2,114,000	1,542
Extraordinary gains, net	$0	22
Net income	$2,114,000	1,545
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,114,000	1,545
Net charge-offs	$13,000	3,155
Cash dividends	$1,550,000	871
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,105,180	1,510
2015-03-31 (YTD Data)		Rank
Total interest income	$3,049,000	2,010
Total interest expense	$373,000	1,811
Net interest income	$2,676,000	2,009
Provision for loan and lease losses	$14,000	3,137
Total noninterest income	$268,000	2,931
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$109,000	2,330
Trading account gains and fees	$0	152
Additional Noninterest Income	$159,000	2,941
Total noninterest expense	$1,867,000	2,459
Salaries and employee benefits	$1,075,000	2,356
Premises and equipment expense	$220,000	2,457
Additional noninterest expense	$572,000	2,519
Pre-tax net operating income	$1,063,000	1,758
Securities gains (losses)	$0	2,027
Applicable income taxes	$20,000	3,527
Income before extraordinary items	$1,043,000	1,538
Extraordinary gains, net	$0	13
Net income	$1,043,000	1,539
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,043,000	1,540
Net charge-offs	$11,000	2,441
Cash dividends	$700,000	860
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,043,000	1,484
2014-12-31 (YTD Data)		Rank
Total interest income	$12,379,000	1,985
Total interest expense	$1,485,000	1,902
Net interest income	$10,894,000	1,977
Provision for loan and lease losses	$9,000	4,446
Total noninterest income	$1,222,000	2,812
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$545,000	2,138
Trading account gains and fees	$0	180
Additional Noninterest Income	$677,000	2,869
Total noninterest expense	$7,566,000	2,420
Salaries and employee benefits	$4,356,000	2,312
Premises and equipment expense	$864,000	2,522
Additional noninterest expense	$2,346,000	2,539
Pre-tax net operating income	$4,541,000	1,665
Securities gains (losses)	$48,000	1,758
Applicable income taxes	$84,000	3,485
Income before extraordinary items	$4,505,000	1,434
Extraordinary gains, net	$0	17
Net income	$4,505,000	1,432
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,505,000	1,433
Net charge-offs	$41,000	3,921
Cash dividends	$2,950,000	936
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,457,960	1,423
2014-09-30 (YTD Data)		Rank
Total interest income	$9,256,000	2,009
Total interest expense	$1,118,000	1,921
Net interest income	$8,138,000	1,993
Provision for loan and lease losses	$9,000	4,188
Total noninterest income	$911,000	2,843
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$418,000	2,102
Trading account gains and fees	$0	174
Additional Noninterest Income	$493,000	2,923
Total noninterest expense	$5,539,000	2,494
Salaries and employee benefits	$3,215,000	2,349
Premises and equipment expense	$652,000	2,539
Additional noninterest expense	$1,672,000	2,643
Pre-tax net operating income	$3,501,000	1,626
Securities gains (losses)	$39,000	1,599
Applicable income taxes	$62,000	3,561
Income before extraordinary items	$3,478,000	1,395
Extraordinary gains, net	$0	15
Net income	$3,478,000	1,393
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,478,000	1,395
Net charge-offs	$39,000	3,434
Cash dividends	$2,350,000	819
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$3,439,780	1,378
2014-06-30 (YTD Data)		Rank
Total interest income	$6,178,000	1,998
Total interest expense	$754,000	1,930
Net interest income	$5,424,000	1,988
Provision for loan and lease losses	$9,000	3,952
Total noninterest income	$594,000	2,850
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$276,000	2,083
Trading account gains and fees	$0	172
Additional Noninterest Income	$318,000	2,954
Total noninterest expense	$3,727,000	2,479
Salaries and employee benefits	$2,189,000	2,316
Premises and equipment expense	$436,000	2,540
Additional noninterest expense	$1,102,000	2,671
Pre-tax net operating income	$2,282,000	1,629
Securities gains (losses)	$0	2,580
Applicable income taxes	$42,000	3,531
Income before extraordinary items	$2,240,000	1,393
Extraordinary gains, net	$0	20
Net income	$2,240,000	1,394
Minority interest net income	$0	80
Net income of bank and minority interests.	$2,240,000	1,395
Net charge-offs	$2,000	4,144
Cash dividends	$1,500,000	822
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$2,240,000	1,372
2014-03-31 (YTD Data)		Rank
Total interest income	$3,088,000	1,991
Total interest expense	$376,000	1,972
Net interest income	$2,712,000	1,976
Provision for loan and lease losses	$0	3,817
Total noninterest income	$284,000	2,882
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$135,000	2,113
Trading account gains and fees	$0	147
Additional Noninterest Income	$149,000	2,975
Total noninterest expense	$1,781,000	2,589
Salaries and employee benefits	$1,033,000	2,434
Premises and equipment expense	$220,000	2,565
Additional noninterest expense	$528,000	2,766
Pre-tax net operating income	$1,215,000	1,498
Securities gains (losses)	$0	1,715
Applicable income taxes	$21,000	3,473
Income before extraordinary items	$1,194,000	1,263
Extraordinary gains, net	$0	16
Net income	$1,194,000	1,264
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,194,000	1,264
Net charge-offs	$-3,000	5,214
Cash dividends	$800,000	729
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,194,000	1,233
2013-12-31 (YTD Data)		Rank
Total interest income	$11,835,000	2,081
Total interest expense	$1,603,000	2,038
Net interest income	$10,232,000	2,054
Provision for loan and lease losses	$0	5,091
Total noninterest income	$1,256,000	2,847
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$625,000	1,995
Trading account gains and fees	$0	184
Additional Noninterest Income	$631,000	3,037
Total noninterest expense	$7,156,000	2,578
Salaries and employee benefits	$4,116,000	2,415
Premises and equipment expense	$870,000	2,537
Additional noninterest expense	$2,170,000	2,799
Pre-tax net operating income	$4,332,000	1,611
Securities gains (losses)	$-3,000	6,132
Applicable income taxes	$75,000	3,571
Income before extraordinary items	$4,254,000	1,418
Extraordinary gains, net	$0	29
Net income	$4,254,000	1,421
Minority interest net income	$0	90
Net income of bank and minority interests.	$4,254,000	1,421
Net charge-offs	$24,000	4,767
Cash dividends	$3,950,000	703
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$4,256,940	1,393
2013-09-30 (YTD Data)		Rank
Total interest income	$8,859,000	2,096
Total interest expense	$1,227,000	2,062
Net interest income	$7,632,000	2,066
Provision for loan and lease losses	$0	4,941
Total noninterest income	$945,000	2,900
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$469,000	1,998
Trading account gains and fees	$0	180
Additional Noninterest Income	$476,000	3,090
Total noninterest expense	$5,330,000	2,602
Salaries and employee benefits	$3,055,000	2,450
Premises and equipment expense	$647,000	2,578
Additional noninterest expense	$1,628,000	2,795
Pre-tax net operating income	$3,247,000	1,629
Securities gains (losses)	$2,000	2,831
Applicable income taxes	$56,000	3,665
Income before extraordinary items	$3,193,000	1,419
Extraordinary gains, net	$0	25
Net income	$3,193,000	1,421
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,193,000	1,421
Net charge-offs	$15,000	4,543
Cash dividends	$2,750,000	683
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,191,040	1,389
2013-06-30 (YTD Data)		Rank
Total interest income	$5,885,000	2,096
Total interest expense	$840,000	2,055
Net interest income	$5,045,000	2,075
Provision for loan and lease losses	$0	4,788
Total noninterest income	$611,000	2,971
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$313,000	1,967
Trading account gains and fees	$0	157
Additional Noninterest Income	$298,000	3,212
Total noninterest expense	$3,448,000	2,669
Salaries and employee benefits	$1,959,000	2,540
Premises and equipment expense	$423,000	2,627
Additional noninterest expense	$1,066,000	2,821
Pre-tax net operating income	$2,208,000	1,584
Securities gains (losses)	$2,000	2,612
Applicable income taxes	$37,000	3,653
Income before extraordinary items	$2,173,000	1,397
Extraordinary gains, net	$0	22
Net income	$2,173,000	1,400
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,173,000	1,400
Net charge-offs	$-7,000	6,047
Cash dividends	$1,250,000	898
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$2,171,040	1,332
2013-03-31 (YTD Data)		Rank
Total interest income	$2,854,000	2,181
Total interest expense	$428,000	2,066
Net interest income	$2,426,000	2,164
Provision for loan and lease losses	$0	4,409
Total noninterest income	$301,000	3,004
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$151,000	2,024
Trading account gains and fees	$0	148
Additional Noninterest Income	$150,000	3,175
Total noninterest expense	$1,736,000	2,695
Salaries and employee benefits	$999,000	2,513
Premises and equipment expense	$208,000	2,685
Additional noninterest expense	$529,000	2,848
Pre-tax net operating income	$991,000	1,722
Securities gains (losses)	$2,000	1,785
Applicable income taxes	$18,000	3,669
Income before extraordinary items	$975,000	1,524
Extraordinary gains, net	$0	10
Net income	$975,000	1,526
Minority interest net income	$0	76
Net income of bank and minority interests.	$975,000	1,526
Net charge-offs	$17,000	3,178
Cash dividends	$500,000	922
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$973,040	1,467
2012-12-31 (YTD Data)		Rank
Total interest income	$12,644,000	2,071
Total interest expense	$1,946,000	2,178
Net interest income	$10,698,000	2,029
Provision for loan and lease losses	$0	5,905
Total noninterest income	$1,278,000	2,853
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$681,000	1,947
Trading account gains and fees	$0	166
Additional Noninterest Income	$597,000	3,106
Total noninterest expense	$7,427,000	2,531
Salaries and employee benefits	$4,346,000	2,275
Premises and equipment expense	$876,000	2,547
Additional noninterest expense	$2,205,000	2,856
Pre-tax net operating income	$4,549,000	1,497
Securities gains (losses)	$17,000	3,230
Applicable income taxes	$70,000	3,726
Income before extraordinary items	$4,496,000	1,312
Extraordinary gains, net	$0	29
Net income	$4,496,000	1,313
Minority interest net income	$0	93
Net income of bank and minority interests.	$4,496,000	1,313
Net charge-offs	$0	5,985
Cash dividends	$2,200,000	1,134
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$4,479,340	1,261
2012-09-30 (YTD Data)		Rank
Total interest income	$9,615,000	2,083
Total interest expense	$1,491,000	2,220
Net interest income	$8,124,000	2,040
Provision for loan and lease losses	$0	5,790
Total noninterest income	$930,000	2,919
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$516,000	1,943
Trading account gains and fees	$0	157
Additional Noninterest Income	$414,000	3,222
Total noninterest expense	$5,507,000	2,565
Salaries and employee benefits	$3,299,000	2,248
Premises and equipment expense	$653,000	2,574
Additional noninterest expense	$1,555,000	3,021
Pre-tax net operating income	$3,547,000	1,482
Securities gains (losses)	$16,000	2,965
Applicable income taxes	$52,000	3,766
Income before extraordinary items	$3,511,000	1,285
Extraordinary gains, net	$0	20
Net income	$3,511,000	1,287
Minority interest net income	$0	86
Net income of bank and minority interests.	$3,511,000	1,286
Net charge-offs	$-45,000	6,906
Cash dividends	$1,700,000	912
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$3,495,160	1,223
2012-06-30 (YTD Data)		Rank
Total interest income	$6,493,000	2,068
Total interest expense	$1,020,000	2,251
Net interest income	$5,473,000	2,022
Provision for loan and lease losses	$0	5,619
Total noninterest income	$588,000	2,963
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$339,000	1,953
Trading account gains and fees	$0	153
Additional Noninterest Income	$249,000	3,350
Total noninterest expense	$3,632,000	2,600
Salaries and employee benefits	$2,155,000	2,300
Premises and equipment expense	$420,000	2,669
Additional noninterest expense	$1,057,000	2,984
Pre-tax net operating income	$2,429,000	1,433
Securities gains (losses)	$15,000	2,605
Applicable income taxes	$34,000	3,757
Income before extraordinary items	$2,410,000	1,246
Extraordinary gains, net	$0	19
Net income	$2,410,000	1,246
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,410,000	1,246
Net charge-offs	$-52,000	6,990
Cash dividends	$1,700,000	617
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$2,395,150	1,175
2012-03-31 (YTD Data)		Rank
Total interest income	$3,247,000	2,084
Total interest expense	$522,000	2,285
Net interest income	$2,725,000	2,028
Provision for loan and lease losses	$0	5,254
Total noninterest income	$320,000	2,841
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$159,000	2,036
Trading account gains and fees	$0	148
Additional Noninterest Income	$161,000	2,974
Total noninterest expense	$1,883,000	2,505
Salaries and employee benefits	$1,147,000	2,184
Premises and equipment expense	$206,000	2,739
Additional noninterest expense	$530,000	2,952
Pre-tax net operating income	$1,162,000	1,486
Securities gains (losses)	$4,000	1,941
Applicable income taxes	$17,000	3,745
Income before extraordinary items	$1,149,000	1,264
Extraordinary gains, net	$0	19
Net income	$1,149,000	1,265
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,149,000	1,265
Net charge-offs	$-45,000	7,053
Cash dividends	$800,000	568
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$1,145,040	1,203
2011-12-31 (YTD Data)		Rank
Total interest income	$13,398,000	2,086
Total interest expense	$2,557,000	2,266
Net interest income	$10,841,000	2,014
Provision for loan and lease losses	$250,000	4,345
Total noninterest income	$1,210,000	2,777
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$703,000	1,982
Trading account gains and fees	$0	146
Additional Noninterest Income	$507,000	3,109
Total noninterest expense	$7,203,000	2,608
Salaries and employee benefits	$4,153,000	2,320
Premises and equipment expense	$895,000	2,654
Additional noninterest expense	$2,155,000	2,927
Pre-tax net operating income	$4,598,000	1,268
Securities gains (losses)	$97,000	2,095
Applicable income taxes	$67,000	3,607
Income before extraordinary items	$4,628,000	1,073
Extraordinary gains, net	$0	29
Net income	$4,628,000	1,073
Minority interest net income	$0	96
Net income of bank and minority interests.	$4,628,000	1,073
Net charge-offs	$146,000	4,624
Cash dividends	$4,450,000	473
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$4,531,970	1,044
2011-09-30 (YTD Data)		Rank
Total interest income	$10,080,000	2,107
Total interest expense	$1,973,000	2,296
Net interest income	$8,107,000	2,032
Provision for loan and lease losses	$150,000	4,478
Total noninterest income	$881,000	2,824
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$532,000	1,973
Trading account gains and fees	$0	145
Additional Noninterest Income	$349,000	3,229
Total noninterest expense	$5,496,000	2,564
Salaries and employee benefits	$3,182,000	2,274
Premises and equipment expense	$678,000	2,647
Additional noninterest expense	$1,636,000	2,911
Pre-tax net operating income	$3,342,000	1,350
Securities gains (losses)	$97,000	1,820
Applicable income taxes	$49,000	3,637
Income before extraordinary items	$3,390,000	1,127
Extraordinary gains, net	$0	21
Net income	$3,390,000	1,127
Minority interest net income	$0	87
Net income of bank and minority interests.	$3,390,000	1,127
Net charge-offs	$246,000	3,470
Cash dividends	$2,700,000	498
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$3,293,970	1,106
2011-06-30 (YTD Data)		Rank
Total interest income	$6,720,000	2,125
Total interest expense	$1,356,000	2,301
Net interest income	$5,364,000	2,045
Provision for loan and lease losses	$0	6,217
Total noninterest income	$516,000	3,061
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$349,000	1,977
Trading account gains and fees	$0	153
Additional Noninterest Income	$167,000	3,776
Total noninterest expense	$3,637,000	2,593
Salaries and employee benefits	$2,076,000	2,332
Premises and equipment expense	$436,000	2,757
Additional noninterest expense	$1,125,000	2,890
Pre-tax net operating income	$2,243,000	1,311
Securities gains (losses)	$1,000	2,791
Applicable income taxes	$32,000	3,596
Income before extraordinary items	$2,212,000	1,120
Extraordinary gains, net	$0	15
Net income	$2,212,000	1,120
Minority interest net income	$0	89
Net income of bank and minority interests.	$2,212,000	1,120
Net charge-offs	$230,000	2,971
Cash dividends	$1,800,000	466
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$2,211,010	1,083
2011-03-31 (YTD Data)		Rank
Total interest income	$3,345,000	2,138
Total interest expense	$700,000	2,316
Net interest income	$2,645,000	2,057
Provision for loan and lease losses	$0	5,840
Total noninterest income	$271,000	3,004
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$169,000	2,003
Trading account gains and fees	$0	158
Additional Noninterest Income	$102,000	3,535
Total noninterest expense	$1,872,000	2,551
Salaries and employee benefits	$1,095,000	2,239
Premises and equipment expense	$218,000	2,788
Additional noninterest expense	$559,000	2,907
Pre-tax net operating income	$1,044,000	1,382
Securities gains (losses)	$1,000	1,662
Applicable income taxes	$16,000	3,560
Income before extraordinary items	$1,029,000	1,195
Extraordinary gains, net	$0	9
Net income	$1,029,000	1,195
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,029,000	1,195
Net charge-offs	$-3,000	6,584
Cash dividends	$800,000	479
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$1,028,020	1,165
2010-12-31 (YTD Data)		Rank
Total interest income	$13,780,000	2,196
Total interest expense	$3,335,000	2,373
Net interest income	$10,445,000	2,090
Provision for loan and lease losses	$0	7,042
Total noninterest income	$2,336,000	1,862
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$790,000	1,852
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,546,000	1,660
Total noninterest expense	$7,471,000	2,588
Salaries and employee benefits	$4,019,000	2,394
Premises and equipment expense	$981,000	2,515
Additional noninterest expense	$2,471,000	2,715
Pre-tax net operating income	$5,310,000	980
Securities gains (losses)	$194,000	1,612
Applicable income taxes	$74,000	3,421
Income before extraordinary items	$5,430,000	804
Extraordinary gains, net	$0	29
Net income	$5,430,000	804
Minority interest net income	$0	111
Net income of bank and minority interests.	$5,430,000	805
Net charge-offs	$37,000	6,095
Cash dividends	$4,750,000	357
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$5,237,940	808
2010-09-30 (YTD Data)		Rank
Total interest income	$10,311,000	2,246
Total interest expense	$2,567,000	2,407
Net interest income	$7,744,000	2,136
Provision for loan and lease losses	$0	6,977
Total noninterest income	$1,994,000	1,693
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$600,000	1,887
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,394,000	1,410
Total noninterest expense	$5,652,000	2,565
Salaries and employee benefits	$3,076,000	2,362
Premises and equipment expense	$683,000	2,713
Additional noninterest expense	$1,893,000	2,613
Pre-tax net operating income	$4,086,000	997
Securities gains (losses)	$175,000	1,482
Applicable income taxes	$58,000	3,489
Income before extraordinary items	$4,203,000	821
Extraordinary gains, net	$0	23
Net income	$4,203,000	821
Minority interest net income	$0	110
Net income of bank and minority interests.	$4,203,000	822
Net charge-offs	$-81,000	7,677
Cash dividends	$3,350,000	322
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$4,029,750	814
2010-06-30 (YTD Data)		Rank
Total interest income	$6,859,000	2,283
Total interest expense	$1,755,000	2,445
Net interest income	$5,104,000	2,169
Provision for loan and lease losses	$0	6,857
Total noninterest income	$1,614,000	1,437
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$404,000	1,870
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,210,000	1,142
Total noninterest expense	$3,705,000	2,613
Salaries and employee benefits	$2,023,000	2,409
Premises and equipment expense	$441,000	2,812
Additional noninterest expense	$1,241,000	2,638
Pre-tax net operating income	$3,013,000	903
Securities gains (losses)	$129,000	1,244
Applicable income taxes	$43,000	3,388
Income before extraordinary items	$3,099,000	724
Extraordinary gains, net	$0	19
Net income	$3,099,000	724
Minority interest net income	$0	105
Net income of bank and minority interests.	$3,099,000	724
Net charge-offs	$41,000	5,041
Cash dividends	$2,100,000	330
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$2,971,290	729
2010-03-31 (YTD Data)		Rank
Total interest income	$3,433,000	2,336
Total interest expense	$907,000	2,478
Net interest income	$2,526,000	2,204
Provision for loan and lease losses	$0	6,552
Total noninterest income	$328,000	2,699
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$196,000	1,907
Trading account gains and fees	$0	175
Additional Noninterest Income	$132,000	3,048
Total noninterest expense	$1,903,000	2,569
Salaries and employee benefits	$1,087,000	2,271
Premises and equipment expense	$222,000	2,864
Additional noninterest expense	$594,000	2,729
Pre-tax net operating income	$951,000	1,372
Securities gains (losses)	$97,000	800
Applicable income taxes	$30,000	3,171
Income before extraordinary items	$1,018,000	1,072
Extraordinary gains, net	$0	16
Net income	$1,018,000	1,073
Minority interest net income	$0	91
Net income of bank and minority interests.	$1,018,000	1,074
Net charge-offs	$38,000	3,956
Cash dividends	$1,000,000	322
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$923,910	1,160
2009-12-31 (YTD Data)		Rank
Total interest income	$15,056,000	2,221
Total interest expense	$4,131,000	2,659
Net interest income	$10,925,000	2,012
Provision for loan and lease losses	$160,000	5,999
Total noninterest income	$1,269,000	2,866
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$875,000	1,902
Trading account gains and fees	$0	211
Additional Noninterest Income	$394,000	3,574
Total noninterest expense	$7,569,000	2,600
Salaries and employee benefits	$3,796,000	2,561
Premises and equipment expense	$998,000	2,581
Additional noninterest expense	$2,775,000	2,513
Pre-tax net operating income	$4,465,000	934
Securities gains (losses)	$128,000	1,919
Applicable income taxes	$-5,000	6,195
Income before extraordinary items	$4,598,000	741
Extraordinary gains, net	$0	34
Net income	$4,598,000	740
Minority interest net income	$0	115
Net income of bank and minority interests.	$4,598,000	741
Net charge-offs	$945,000	2,936
Cash dividends	$3,400,000	512
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$4,470,000	756
2009-09-30 (YTD Data)		Rank
Total interest income	$11,392,000	2,232
Total interest expense	$3,150,000	2,737
Net interest income	$8,242,000	1,996
Provision for loan and lease losses	$160,000	5,436
Total noninterest income	$836,000	3,179
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$660,000	1,896
Trading account gains and fees	$0	212
Additional Noninterest Income	$176,000	4,496
Total noninterest expense	$5,721,000	2,590
Salaries and employee benefits	$2,901,000	2,541
Premises and equipment expense	$724,000	2,700
Additional noninterest expense	$2,096,000	2,473
Pre-tax net operating income	$3,197,000	1,020
Securities gains (losses)	$125,000	1,657
Applicable income taxes	$-21,000	6,713
Income before extraordinary items	$3,343,000	814
Extraordinary gains, net	$0	27
Net income	$3,343,000	814
Minority interest net income	$0	118
Net income of bank and minority interests.	$3,343,000	815
Net charge-offs	$794,000	2,486
Cash dividends	$2,400,000	525
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$3,218,000	836
2009-06-30 (YTD Data)		Rank
Total interest income	$7,688,000	2,242
Total interest expense	$2,111,000	2,835
Net interest income	$5,577,000	1,971
Provision for loan and lease losses	$120,000	5,054
Total noninterest income	$549,000	3,203
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$432,000	1,895
Trading account gains and fees	$0	193
Additional Noninterest Income	$117,000	4,530
Total noninterest expense	$3,786,000	2,639
Salaries and employee benefits	$1,930,000	2,580
Premises and equipment expense	$457,000	2,859
Additional noninterest expense	$1,399,000	2,484
Pre-tax net operating income	$2,220,000	1,018
Securities gains (losses)	$125,000	1,327
Applicable income taxes	$-36,000	6,945
Income before extraordinary items	$2,381,000	782
Extraordinary gains, net	$0	21
Net income	$2,381,000	779
Minority interest net income	$0	112
Net income of bank and minority interests.	$2,381,000	782
Net charge-offs	$588,000	2,158
Cash dividends	$1,400,000	647
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$2,256,000	799
2009-03-31 (YTD Data)		Rank
Total interest income	$3,846,000	2,277
Total interest expense	$1,058,000	2,926
Net interest income	$2,788,000	1,954
Provision for loan and lease losses	$60,000	4,614
Total noninterest income	$265,000	3,259
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$205,000	1,926
Trading account gains and fees	$0	171
Additional Noninterest Income	$60,000	4,510
Total noninterest expense	$1,872,000	2,569
Salaries and employee benefits	$1,023,000	2,504
Premises and equipment expense	$220,000	3,005
Additional noninterest expense	$629,000	2,459
Pre-tax net operating income	$1,121,000	1,143
Securities gains (losses)	$-2,000	7,731
Applicable income taxes	$-50,000	7,420
Income before extraordinary items	$1,169,000	911
Extraordinary gains, net	$0	15
Net income	$1,169,000	911
Minority interest net income	$0	102
Net income of bank and minority interests.	$1,169,000	913
Net charge-offs	$419,000	1,499
Cash dividends	$900,000	500
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,171,000	850
2008-12-31 (YTD Data)		Rank
Total interest income	$16,647,000	2,264
Total interest expense	$5,786,000	2,600
Net interest income	$10,861,000	2,043
Provision for loan and lease losses	$250,000	4,899
Total noninterest income	$1,450,000	2,697
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$976,000	1,792
Trading account gains and fees	$0	154
Additional Noninterest Income	$474,000	3,273
Total noninterest expense	$7,104,000	2,648
Salaries and employee benefits	$3,666,000	2,710
Premises and equipment expense	$932,000	2,795
Additional noninterest expense	$2,506,000	2,333
Pre-tax net operating income	$4,957,000	1,113
Securities gains (losses)	$-142,000	7,287
Applicable income taxes	$56,000	3,792
Income before extraordinary items	$4,759,000	854
Extraordinary gains, net	$0	39
Net income	$4,759,000	854
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$210,000	4,031
Cash dividends	$3,966,000	711
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$4,899,580	892
2008-09-30 (YTD Data)		Rank
Total interest income	$12,629,000	2,296
Total interest expense	$4,546,000	2,589
Net interest income	$8,083,000	2,073
Provision for loan and lease losses	$0	6,991
Total noninterest income	$1,091,000	2,744
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$738,000	1,797
Trading account gains and fees	$0	148
Additional Noninterest Income	$353,000	3,394
Total noninterest expense	$5,390,000	2,616
Salaries and employee benefits	$2,832,000	2,681
Premises and equipment expense	$697,000	2,809
Additional noninterest expense	$1,861,000	2,288
Pre-tax net operating income	$3,784,000	1,311
Securities gains (losses)	$69,000	1,205
Applicable income taxes	$44,000	4,192
Income before extraordinary items	$3,809,000	962
Extraordinary gains, net	$0	31
Net income	$3,809,000	961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$381,000	2,276
Cash dividends	$2,986,000	726
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$3,740,690	1,043
2008-06-30 (YTD Data)		Rank
Total interest income	$8,552,000	2,288
Total interest expense	$3,202,000	2,555
Net interest income	$5,350,000	2,073
Provision for loan and lease losses	$0	6,671
Total noninterest income	$705,000	2,832
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$478,000	1,816
Trading account gains and fees	$0	149
Additional Noninterest Income	$227,000	3,516
Total noninterest expense	$3,495,000	2,682
Salaries and employee benefits	$1,839,000	2,757
Premises and equipment expense	$461,000	2,845
Additional noninterest expense	$1,195,000	2,352
Pre-tax net operating income	$2,560,000	1,352
Securities gains (losses)	$44,000	1,531
Applicable income taxes	$29,000	4,452
Income before extraordinary items	$2,575,000	1,071
Extraordinary gains, net	$0	21
Net income	$2,575,000	1,071
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	3,765
Cash dividends	$1,626,000	916
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$2,531,440	1,073
2008-03-31 (YTD Data)		Rank
Total interest income	$4,458,000	2,259
Total interest expense	$1,770,000	2,478
Net interest income	$2,688,000	2,073
Provision for loan and lease losses	$0	6,080
Total noninterest income	$355,000	2,810
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$235,000	1,807
Trading account gains and fees	$0	158
Additional Noninterest Income	$120,000	3,442
Total noninterest expense	$1,821,000	2,587
Salaries and employee benefits	$989,000	2,612
Premises and equipment expense	$232,000	2,828
Additional noninterest expense	$600,000	2,310
Pre-tax net operating income	$1,222,000	1,507
Securities gains (losses)	$28,000	1,404
Applicable income taxes	$12,000	4,690
Income before extraordinary items	$1,238,000	1,219
Extraordinary gains, net	$0	15
Net income	$1,238,000	1,222
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	2,501
Cash dividends	$737,000	988
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$1,210,280	1,202
2007-12-31 (YTD Data)		Rank
Total interest income	$18,929,000	2,173
Total interest expense	$9,416,000	2,034
Net interest income	$9,513,000	2,337
Provision for loan and lease losses	$0	6,851
Total noninterest income	$1,298,000	2,983
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$872,000	1,984
Trading account gains and fees	$0	178
Additional Noninterest Income	$426,000	3,612
Total noninterest expense	$6,775,000	2,671
Salaries and employee benefits	$3,585,000	2,739
Premises and equipment expense	$990,000	2,592
Additional noninterest expense	$2,200,000	2,448
Pre-tax net operating income	$4,036,000	1,972
Securities gains (losses)	$-101,000	8,148
Applicable income taxes	$901,000	1,983
Income before extraordinary items	$3,034,000	2,034
Extraordinary gains, net	$0	39
Net income	$3,034,000	2,033
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$213,000	2,773
Cash dividends	$3,391,000	1,084
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$3,111,770	1,966
2007-09-30 (YTD Data)		Rank
Total interest income	$14,165,000	2,186
Total interest expense	$7,186,000	2,006
Net interest income	$6,979,000	2,405
Provision for loan and lease losses	$0	6,528
Total noninterest income	$988,000	2,938
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$640,000	2,010
Trading account gains and fees	$0	184
Additional Noninterest Income	$348,000	3,471
Total noninterest expense	$4,965,000	2,696
Salaries and employee benefits	$2,641,000	2,775
Premises and equipment expense	$729,000	2,625
Additional noninterest expense	$1,595,000	2,480
Pre-tax net operating income	$3,002,000	2,106
Securities gains (losses)	$-101,000	8,288
Applicable income taxes	$883,000	1,780
Income before extraordinary items	$2,018,000	2,349
Extraordinary gains, net	$0	33
Net income	$2,018,000	2,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	2,736
Cash dividends	$2,491,000	1,026
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,088,700	2,274
2007-06-30 (YTD Data)		Rank
Total interest income	$9,446,000	2,207
Total interest expense	$4,844,000	2,003
Net interest income	$4,602,000	2,450
Provision for loan and lease losses	$0	6,209
Total noninterest income	$594,000	3,171
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$417,000	2,040
Trading account gains and fees	$0	168
Additional Noninterest Income	$177,000	4,023
Total noninterest expense	$3,337,000	2,709
Salaries and employee benefits	$1,772,000	2,804
Premises and equipment expense	$489,000	2,639
Additional noninterest expense	$1,076,000	2,457
Pre-tax net operating income	$1,859,000	2,290
Securities gains (losses)	$-101,000	8,396
Applicable income taxes	$870,000	1,413
Income before extraordinary items	$888,000	3,285
Extraordinary gains, net	$0	29
Net income	$888,000	3,284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$154,000	1,590
Cash dividends	$1,411,000	1,173
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$952,640	3,116
2007-03-31 (YTD Data)		Rank
Total interest income	$4,692,000	2,221
Total interest expense	$2,384,000	2,017
Net interest income	$2,308,000	2,449
Provision for loan and lease losses	$0	5,779
Total noninterest income	$280,000	3,270
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$189,000	2,152
Trading account gains and fees	$0	195
Additional Noninterest Income	$91,000	3,941
Total noninterest expense	$1,625,000	2,779
Salaries and employee benefits	$843,000	2,942
Premises and equipment expense	$260,000	2,490
Additional noninterest expense	$522,000	2,521
Pre-tax net operating income	$963,000	2,239
Securities gains (losses)	$-101,000	8,551
Applicable income taxes	$854,000	814
Income before extraordinary items	$8,000	7,772
Extraordinary gains, net	$0	22
Net income	$8,000	7,771
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$150,000	900
Cash dividends	$855,000	927
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$72,640	6,809
2006-12-31 (YTD Data)		Rank
Total interest income	$19,055,000	2,074
Total interest expense	$8,595,000	1,919
Net interest income	$10,460,000	2,212
Provision for loan and lease losses	$0	6,850
Total noninterest income	$1,376,000	2,865
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$876,000	1,966
Trading account gains and fees	$0	130
Additional Noninterest Income	$500,000	3,338
Total noninterest expense	$6,444,000	2,704
Salaries and employee benefits	$3,337,000	2,847
Premises and equipment expense	$875,000	2,777
Additional noninterest expense	$2,232,000	2,323
Pre-tax net operating income	$5,392,000	1,765
Securities gains (losses)	$47,000	696
Applicable income taxes	$1,669,000	1,519
Income before extraordinary items	$3,770,000	1,886
Extraordinary gains, net	$0	51
Net income	$3,770,000	1,887
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$351,000	1,486
Cash dividends	$3,914,000	885
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$3,737,570	1,884
2006-09-30 (YTD Data)		Rank
Total interest income	$14,094,000	2,082
Total interest expense	$6,185,000	1,936
Net interest income	$7,909,000	2,204
Provision for loan and lease losses	$0	6,685
Total noninterest income	$1,097,000	2,751
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$684,000	1,892
Trading account gains and fees	$0	126
Additional Noninterest Income	$413,000	3,164
Total noninterest expense	$4,766,000	2,739
Salaries and employee benefits	$2,624,000	2,733
Premises and equipment expense	$663,000	2,771
Additional noninterest expense	$1,479,000	2,600
Pre-tax net operating income	$4,240,000	1,755
Securities gains (losses)	$0	1,388
Applicable income taxes	$1,325,000	1,527
Income before extraordinary items	$2,915,000	1,882
Extraordinary gains, net	$0	45
Net income	$2,915,000	1,884
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$367,000	1,005
Cash dividends	$3,054,000	818
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,915,000	1,865
2006-06-30 (YTD Data)		Rank
Total interest income	$9,364,000	2,054
Total interest expense	$3,960,000	1,928
Net interest income	$5,404,000	2,163
Provision for loan and lease losses	$0	6,419
Total noninterest income	$788,000	2,615
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$459,000	1,869
Trading account gains and fees	$0	126
Additional Noninterest Income	$329,000	2,848
Total noninterest expense	$3,204,000	2,744
Salaries and employee benefits	$1,785,000	2,702
Premises and equipment expense	$436,000	2,786
Additional noninterest expense	$983,000	2,611
Pre-tax net operating income	$2,988,000	1,656
Securities gains (losses)	$0	1,185
Applicable income taxes	$934,000	1,478
Income before extraordinary items	$2,054,000	1,776
Extraordinary gains, net	$0	39
Net income	$2,054,000	1,777
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$352,000	738
Cash dividends	$2,193,000	754
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$2,054,000	1,764
2006-03-31 (YTD Data)		Rank
Total interest income	$4,689,000	2,022
Total interest expense	$1,932,000	1,890
Net interest income	$2,757,000	2,106
Provision for loan and lease losses	$0	6,013
Total noninterest income	$471,000	2,278
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$223,000	1,867
Trading account gains and fees	$0	115
Additional Noninterest Income	$248,000	2,202
Total noninterest expense	$1,485,000	2,898
Salaries and employee benefits	$823,000	2,900
Premises and equipment expense	$201,000	3,011
Additional noninterest expense	$461,000	2,748
Pre-tax net operating income	$1,743,000	1,421
Securities gains (losses)	$0	955
Applicable income taxes	$550,000	1,287
Income before extraordinary items	$1,193,000	1,520
Extraordinary gains, net	$0	21
Net income	$1,193,000	1,519
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$301,000	464
Cash dividends	$1,000,000	729
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$1,193,000	1,501
2005-12-31 (YTD Data)		Rank
Total interest income	$18,247,000	1,849
Total interest expense	$6,735,000	1,684
Net interest income	$11,512,000	1,923
Provision for loan and lease losses	$3,521,000	314
Total noninterest income	$1,229,000	3,084
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$929,000	1,842
Trading account gains and fees	$0	138
Additional Noninterest Income	$300,000	4,334
Total noninterest expense	$6,813,000	2,448
Salaries and employee benefits	$3,428,000	2,652
Premises and equipment expense	$939,000	2,505
Additional noninterest expense	$2,446,000	2,051
Pre-tax net operating income	$2,407,000	3,234
Securities gains (losses)	$84,000	760
Applicable income taxes	$704,000	2,803
Income before extraordinary items	$1,787,000	3,374
Extraordinary gains, net	$0	46
Net income	$1,787,000	3,376
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,146,000	370
Cash dividends	$975,000	2,537
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,726,520	3,436
2005-09-30 (YTD Data)		Rank
Total interest income	$13,471,000	1,826
Total interest expense	$4,896,000	1,650
Net interest income	$8,575,000	1,916
Provision for loan and lease losses	$3,468,000	240
Total noninterest income	$921,000	3,094
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$686,000	1,873
Trading account gains and fees	$0	126
Additional Noninterest Income	$235,000	4,241
Total noninterest expense	$5,166,000	2,400
Salaries and employee benefits	$2,557,000	2,611
Premises and equipment expense	$704,000	2,499
Additional noninterest expense	$1,905,000	1,956
Pre-tax net operating income	$862,000	5,131
Securities gains (losses)	$84,000	712
Applicable income taxes	$206,000	4,368
Income before extraordinary items	$740,000	4,946
Extraordinary gains, net	$0	35
Net income	$740,000	4,947
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,573,000	359
Cash dividends	$900,000	1,943
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$674,480	5,131
2005-06-30 (YTD Data)		Rank
Total interest income	$3,972,000	3,650
Total interest expense	$1,342,000	3,334
Net interest income	$2,630,000	3,768
Provision for loan and lease losses	$44,000	4,779
Total noninterest income	$318,000	4,643
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$231,000	3,200
Trading account gains and fees	$0	116
Additional Noninterest Income	$87,000	5,442
Total noninterest expense	$1,508,000	4,710
Salaries and employee benefits	$753,000	5,005
Premises and equipment expense	$221,000	4,481
Additional noninterest expense	$534,000	4,145
Pre-tax net operating income	$1,396,000	2,911
Securities gains (losses)	$46,000	810
Applicable income taxes	$456,000	2,396
Income before extraordinary items	$986,000	3,126
Extraordinary gains, net	$0	30
Net income	$986,000	3,127
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-127,000	8,705
Cash dividends	$450,000	2,360
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$954,720	3,156
2005-03-31 (YTD Data)		Rank
Total interest income	$1,915,000	3,731
Total interest expense	$646,000	3,315
Net interest income	$1,269,000	3,879
Provision for loan and lease losses	$44,000	3,508
Total noninterest income	$142,000	4,842
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$96,000	3,535
Trading account gains and fees	$0	115
Additional Noninterest Income	$46,000	5,356
Total noninterest expense	$717,000	4,910
Salaries and employee benefits	$348,000	5,310
Premises and equipment expense	$102,000	4,794
Additional noninterest expense	$267,000	4,156
Pre-tax net operating income	$650,000	3,040
Securities gains (losses)	$23,000	748
Applicable income taxes	$213,000	2,495
Income before extraordinary items	$460,000	3,254
Extraordinary gains, net	$0	24
Net income	$460,000	3,255
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$444,360	3,310
2004-12-31 (YTD Data)		Rank
Total interest income	$7,146,000	3,746
Total interest expense	$2,231,000	3,335
Net interest income	$4,915,000	3,850
Provision for loan and lease losses	$267,000	3,133
Total noninterest income	$624,000	4,717
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$471,000	3,276
Trading account gains and fees	$0	138
Additional Noninterest Income	$153,000	5,645
Total noninterest expense	$3,005,000	4,653
Salaries and employee benefits	$1,401,000	5,170
Premises and equipment expense	$457,000	4,357
Additional noninterest expense	$1,147,000	3,887
Pre-tax net operating income	$2,267,000	3,227
Securities gains (losses)	$104,000	1,215
Applicable income taxes	$718,000	2,722
Income before extraordinary items	$1,653,000	3,387
Extraordinary gains, net	$0	34
Net income	$1,653,000	3,386
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$603,000	1,152
Cash dividends	$200,000	4,847
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,580,200	3,428
2004-09-30 (YTD Data)		Rank
Total interest income	$5,279,000	3,762
Total interest expense	$1,653,000	3,321
Net interest income	$3,626,000	3,891
Provision for loan and lease losses	$184,000	3,132
Total noninterest income	$479,000	4,657
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$365,000	3,221
Trading account gains and fees	$0	134
Additional Noninterest Income	$114,000	5,670
Total noninterest expense	$2,219,000	4,670
Salaries and employee benefits	$1,022,000	5,248
Premises and equipment expense	$345,000	4,326
Additional noninterest expense	$852,000	3,890
Pre-tax net operating income	$1,702,000	3,291
Securities gains (losses)	$81,000	1,320
Applicable income taxes	$535,000	2,789
Income before extraordinary items	$1,248,000	3,447
Extraordinary gains, net	$0	26
Net income	$1,248,000	3,447
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$489,000	970
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,191,300	3,481
2004-06-30 (YTD Data)		Rank
Total interest income	$3,457,000	3,816
Total interest expense	$1,106,000	3,286
Net interest income	$2,351,000	3,966
Provision for loan and lease losses	$102,000	3,423
Total noninterest income	$316,000	4,693
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$247,000	3,177
Trading account gains and fees	$0	130
Additional Noninterest Income	$69,000	5,871
Total noninterest expense	$1,471,000	4,727
Salaries and employee benefits	$694,000	5,201
Premises and equipment expense	$229,000	4,352
Additional noninterest expense	$548,000	4,022
Pre-tax net operating income	$1,094,000	3,329
Securities gains (losses)	$58,000	1,362
Applicable income taxes	$338,000	2,865
Income before extraordinary items	$814,000	3,479
Extraordinary gains, net	$0	21
Net income	$814,000	3,479
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$504,000	704
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$772,820	3,524
2004-03-31 (YTD Data)		Rank
Total interest income	$1,692,000	3,886
Total interest expense	$568,000	3,256
Net interest income	$1,124,000	4,119
Provision for loan and lease losses	$45,000	3,437
Total noninterest income	$148,000	4,809
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$126,000	3,056
Trading account gains and fees	$0	121
Additional Noninterest Income	$22,000	6,653
Total noninterest expense	$706,000	4,889
Salaries and employee benefits	$326,000	5,459
Premises and equipment expense	$109,000	4,538
Additional noninterest expense	$271,000	4,056
Pre-tax net operating income	$521,000	3,411
Securities gains (losses)	$23,000	1,635
Applicable income taxes	$162,000	2,950
Income before extraordinary items	$382,000	3,629
Extraordinary gains, net	$0	16
Net income	$382,000	3,628
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	8,283
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$365,900	3,629
2003-12-31 (YTD Data)		Rank
Total interest income	$5,365,000	4,656
Total interest expense	$1,693,000	4,531
Net interest income	$3,672,000	4,637
Provision for loan and lease losses	$190,000	4,118
Total noninterest income	$511,000	5,380
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$382,000	3,749
Trading account gains and fees	$0	160
Additional Noninterest Income	$129,000	6,102
Total noninterest expense	$2,250,000	5,599
Salaries and employee benefits	$1,052,000	6,083
Premises and equipment expense	$394,000	4,773
Additional noninterest expense	$804,000	5,026
Pre-tax net operating income	$1,743,000	3,721
Securities gains (losses)	$100,000	1,901
Applicable income taxes	$504,000	3,361
Income before extraordinary items	$1,339,000	3,841
Extraordinary gains, net	$0	54
Net income	$1,339,000	3,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$981,000	944
Cash dividends	$700,000	2,934
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,266,000	3,821
2003-09-30 (YTD Data)		Rank
Total interest income	$3,849,000	4,849
Total interest expense	$1,205,000	4,812
Net interest income	$2,644,000	4,774
Provision for loan and lease losses	$130,000	4,216
Total noninterest income	$358,000	5,606
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$262,000	3,968
Trading account gains and fees	$0	153
Additional Noninterest Income	$96,000	6,163
Total noninterest expense	$1,592,000	5,773
Salaries and employee benefits	$753,000	6,223
Premises and equipment expense	$292,000	4,808
Additional noninterest expense	$547,000	5,342
Pre-tax net operating income	$1,280,000	3,901
Securities gains (losses)	$77,000	1,969
Applicable income taxes	$370,000	3,542
Income before extraordinary items	$987,000	4,013
Extraordinary gains, net	$0	40
Net income	$987,000	4,013
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,047
Cash dividends	$700,000	2,172
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$930,790	4,012
2003-06-30 (YTD Data)		Rank
Total interest income	$2,572,000	4,894
Total interest expense	$826,000	4,838
Net interest income	$1,746,000	4,811
Provision for loan and lease losses	$70,000	4,525
Total noninterest income	$220,000	5,791
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$162,000	4,116
Trading account gains and fees	$0	150
Additional Noninterest Income	$58,000	6,303
Total noninterest expense	$1,018,000	5,933
Salaries and employee benefits	$512,000	6,174
Premises and equipment expense	$184,000	4,966
Additional noninterest expense	$322,000	5,743
Pre-tax net operating income	$878,000	3,813
Securities gains (losses)	$54,000	1,961
Applicable income taxes	$270,000	3,417
Income before extraordinary items	$662,000	4,021
Extraordinary gains, net	$0	30
Net income	$662,000	4,021
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	5,202
Cash dividends	$350,000	2,646
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$623,660	3,981
2003-03-31 (YTD Data)		Rank
Total interest income	$1,294,000	4,890
Total interest expense	$424,000	4,863
Net interest income	$870,000	4,802
Provision for loan and lease losses	$30,000	4,429
Total noninterest income	$93,000	6,074
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$76,000	4,196
Trading account gains and fees	$0	134
Additional Noninterest Income	$17,000	7,158
Total noninterest expense	$494,000	6,038
Salaries and employee benefits	$261,000	6,101
Premises and equipment expense	$90,000	5,048
Additional noninterest expense	$143,000	6,099
Pre-tax net operating income	$439,000	3,814
Securities gains (losses)	$23,000	1,827
Applicable income taxes	$131,000	3,466
Income before extraordinary items	$331,000	3,968
Extraordinary gains, net	$0	21
Net income	$331,000	3,966
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	8,212
Cash dividends	$175,000	2,374
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$314,440	3,917
2002-12-31 (YTD Data)		Rank
Total interest income	$5,249,000	5,010
Total interest expense	$1,992,000	4,802
Net interest income	$3,257,000	5,007
Provision for loan and lease losses	$60,000	6,444
Total noninterest income	$381,000	5,897
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$314,000	4,129
Trading account gains and fees	$0	153
Additional Noninterest Income	$67,000	7,151
Total noninterest expense	$1,996,000	5,872
Salaries and employee benefits	$1,121,000	5,742
Premises and equipment expense	$284,000	5,742
Additional noninterest expense	$591,000	5,993
Pre-tax net operating income	$1,582,000	3,968
Securities gains (losses)	$100,000	1,755
Applicable income taxes	$422,000	3,780
Income before extraordinary items	$1,260,000	3,952
Extraordinary gains, net	$0	70
Net income	$1,260,000	3,952
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,227
Cash dividends	$619,000	3,104
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,185,000	4,013
2001-12-31 (YTD Data)		Rank
Total interest income	$2,469,000	7,782
Total interest expense	$1,243,000	7,525
Net interest income	$1,226,000	7,832
Provision for loan and lease losses	$21,000	7,535
Total noninterest income	$278,000	6,596
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$172,000	5,484
Trading account gains and fees	$0	177
Additional Noninterest Income	$106,000	6,307
Total noninterest expense	$897,000	8,216
Salaries and employee benefits	$464,000	8,335
Premises and equipment expense	$148,000	7,555
Additional noninterest expense	$285,000	7,968
Pre-tax net operating income	$586,000	6,219
Securities gains (losses)	$44,000	2,476
Applicable income taxes	$152,000	5,425
Income before extraordinary items	$478,000	6,186
Extraordinary gains, net	$0	105
Net income	$478,000	6,187
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,947
Cash dividends	$415,000	3,787
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$444,560	6,219
2000-12-31 (YTD Data)		Rank
Total interest income	$2,575,000	7,836
Total interest expense	$1,323,000	7,531
Net interest income	$1,252,000	7,954
Provision for loan and lease losses	$30,000	7,204
Total noninterest income	$256,000	6,710
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$173,000	5,458
Trading account gains and fees	NA	NA
Additional Noninterest Income	$83,000	6,842
Total noninterest expense	$850,000	8,429
Salaries and employee benefits	$450,000	8,498
Premises and equipment expense	$168,000	7,276
Additional noninterest expense	$232,000	8,482
Pre-tax net operating income	$628,000	6,476
Securities gains (losses)	$0	1,956
Applicable income taxes	$142,000	6,017
Income before extraordinary items	$486,000	6,397
Extraordinary gains, net	$0	38
Net income	$486,000	6,394
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,220
Cash dividends	$480,000	3,634
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$486,000	6,409
1999-12-31 (YTD Data)		Rank
Total interest income	$2,365,000	8,058
Total interest expense	$1,098,000	7,915
Net interest income	$1,267,000	8,061
Provision for loan and lease losses	$30,000	7,215
Total noninterest income	$261,000	6,825
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$146,000	5,914
Trading account gains and fees	NA	NA
Additional Noninterest Income	$115,000	6,295
Total noninterest expense	$783,000	8,781
Salaries and employee benefits	$437,000	8,687
Premises and equipment expense	$125,000	8,129
Additional noninterest expense	$221,000	8,831
Pre-tax net operating income	$715,000	6,262
Securities gains (losses)	$0	3,155
Applicable income taxes	$193,000	5,788
Income before extraordinary items	$522,000	6,290
Extraordinary gains, net	$0	35
Net income	$522,000	6,288
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,495
Cash dividends	$200,000	5,191
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$522,000	6,271
1998-12-31 (YTD Data)		Rank
Total interest income	$2,195,000	8,450
Total interest expense	$1,008,000	8,403
Net interest income	$1,187,000	8,351
Provision for loan and lease losses	$30,000	7,298
Total noninterest income	$215,000	7,399
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$164,000	5,694
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	8,120
Total noninterest expense	$736,000	8,990
Salaries and employee benefits	$424,000	8,817
Premises and equipment expense	$125,000	8,162
Additional noninterest expense	$187,000	9,266
Pre-tax net operating income	$636,000	6,741
Securities gains (losses)	$0	4,449
Applicable income taxes	$180,000	6,423
Income before extraordinary items	$456,000	6,872
Extraordinary gains, net	$0	32
Net income	$456,000	6,870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,985
Cash dividends	$270,000	4,820
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$456,000	6,768
1997-12-31 (YTD Data)		Rank
Total interest income	$2,002,000	9,011
Total interest expense	$891,000	8,993
Net interest income	$1,111,000	8,913
Provision for loan and lease losses	$17,000	8,044
Total noninterest income	$205,000	7,773
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$164,000	5,915
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	8,825
Total noninterest expense	$666,000	9,503
Salaries and employee benefits	$397,000	9,276
Premises and equipment expense	$103,000	8,887
Additional noninterest expense	$166,000	9,818
Pre-tax net operating income	$633,000	7,278
Securities gains (losses)	$0	3,944
Applicable income taxes	$198,000	6,902
Income before extraordinary items	$435,000	7,405
Extraordinary gains, net	$0	44
Net income	$435,000	7,408
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,223
Cash dividends	$185,000	5,560
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$435,000	7,355
1996-12-31 (YTD Data)		Rank
Total interest income	$1,730,000	9,769
Total interest expense	$775,000	9,725
Net interest income	$955,000	9,678
Provision for loan and lease losses	$40,000	6,972
Total noninterest income	$194,000	8,313
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	6,857
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	8,317
Total noninterest expense	$648,000	9,997
Salaries and employee benefits	$398,000	9,615
Premises and equipment expense	$96,000	9,398
Additional noninterest expense	$154,000	10,503
Pre-tax net operating income	$461,000	8,156
Securities gains (losses)	$3,000	3,304
Applicable income taxes	$148,000	7,899
Income before extraordinary items	$316,000	8,293
Extraordinary gains, net	$0	53
Net income	$316,000	8,291
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	5,803
Cash dividends	$150,000	5,964
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$313,960	8,249
1995-12-31 (YTD Data)		Rank
Total interest income	$1,735,000	10,111
Total interest expense	$721,000	10,231
Net interest income	$1,014,000	9,903
Provision for loan and lease losses	$48,000	6,309
Total noninterest income	$163,000	9,088
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$132,000	7,047
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	10,206
Total noninterest expense	$646,000	10,382
Salaries and employee benefits	$368,000	10,188
Premises and equipment expense	$97,000	9,693
Additional noninterest expense	$181,000	10,668
Pre-tax net operating income	$483,000	8,532
Securities gains (losses)	$0	3,831
Applicable income taxes	$150,000	8,259
Income before extraordinary items	$333,000	8,629
Extraordinary gains, net	$0	65
Net income	$333,000	8,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-43,000	11,404
Cash dividends	$280,000	4,708
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$333,000	8,598
1994-12-31 (YTD Data)		Rank
Total interest income	$1,474,000	10,783
Total interest expense	$632,000	10,445
Net interest income	$842,000	10,913
Provision for loan and lease losses	$0	9,146
Total noninterest income	$165,000	9,413
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$128,000	7,411
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	10,350
Total noninterest expense	$652,000	10,900
Salaries and employee benefits	$363,000	10,620
Premises and equipment expense	$83,000	10,557
Additional noninterest expense	$206,000	11,069
Pre-tax net operating income	$355,000	9,695
Securities gains (losses)	$-4,000	9,291
Applicable income taxes	$105,000	9,245
Income before extraordinary items	$246,000	9,738
Extraordinary gains, net	$0	249
Net income	$246,000	9,750
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	10,674
Cash dividends	$150,000	6,052
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$248,800	9,786
1993-12-31 (YTD Data)		Rank
Total interest income	$1,363,000	11,538
Total interest expense	$559,000	11,373
Net interest income	$804,000	11,489
Provision for loan and lease losses	$0	10,371
Total noninterest income	$159,000	10,034
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$127,000	7,664
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	11,170
Total noninterest expense	$647,000	11,393
Salaries and employee benefits	$354,000	11,105
Premises and equipment expense	$86,000	10,933
Additional noninterest expense	$207,000	11,629
Pre-tax net operating income	$316,000	10,108
Securities gains (losses)	$0	7,477
Applicable income taxes	$95,000	9,865
Income before extraordinary items	$221,000	10,396
Extraordinary gains, net	$0	3,149
Net income	$221,000	10,503
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-47,000	12,633
Cash dividends	$230,000	5,099
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$221,000	10,159
1992-12-31 (YTD Data)		Rank
Total interest income	$1,448,000	12,081
Total interest expense	$661,000	12,007
Net interest income	$787,000	11,968
Provision for loan and lease losses	$19,000	10,662
Total noninterest income	$163,000	10,221
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	7,923
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	10,916
Total noninterest expense	$625,000	11,915
Salaries and employee benefits	$314,000	11,857
Premises and equipment expense	$100,000	10,743
Additional noninterest expense	$211,000	12,085
Pre-tax net operating income	$306,000	10,078
Securities gains (losses)	$0	8,369
Applicable income taxes	$89,000	10,194
Income before extraordinary items	$217,000	10,369
Extraordinary gains, net	$0	1,422
Net income	$217,000	10,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	8,305
Cash dividends	$542,000	2,610
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$217,000	10,011

* 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.