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Putnam Bank, Income and Expense

2020-03-31 (YTD Data)		Rank
Total interest income	$4,654,000	1,598
Total interest expense	$990,000	1,434
Net interest income	$3,664,000	1,636
Provision for loan and lease losses	$150,000	1,627
Total noninterest income	$629,000	1,703
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$246,000	1,132
Trading account gains and fees	NA	NA
Additional Noninterest Income	$383,000	1,786
Total noninterest expense	$3,314,000	1,546
Salaries and employee benefits	$2,191,000	1,388
Premises and equipment expense	$289,000	1,858
Additional noninterest expense	$834,000	1,774
Pre-tax net operating income	$829,000	2,105
Securities gains (losses)	$0	1,705
Applicable income taxes	$134,000	1,713
Income before extraordinary items	$695,000	2,182
Extraordinary gains, net	$0	4
Net income	$695,000	2,181
Minority interest net income	$0	56
Net income of bank and minority interests.	$695,000	2,182
Net charge-offs	$35,000	1,356
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$695,000	2,151
2019-12-31 (YTD Data)		Rank
Total interest income	$19,120,000	1,575
Total interest expense	$4,294,000	1,402
Net interest income	$14,826,000	1,610
Provision for loan and lease losses	$350,000	1,813
Total noninterest income	$2,656,000	1,688
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,055,000	1,100
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,601,000	1,743
Total noninterest expense	$12,075,000	1,636
Salaries and employee benefits	$7,705,000	1,495
Premises and equipment expense	$1,146,000	1,846
Additional noninterest expense	$3,224,000	1,795
Pre-tax net operating income	$5,057,000	1,733
Securities gains (losses)	$-109,000	5,084
Applicable income taxes	$862,000	1,547
Income before extraordinary items	$4,086,000	1,853
Extraordinary gains, net	$0	11
Net income	$4,086,000	1,855
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,086,000	1,855
Net charge-offs	$14,000	3,227
Cash dividends	$1,500,000	1,874
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,176,470	1,793
2019-09-30 (YTD Data)		Rank
Total interest income	$14,358,000	1,589
Total interest expense	$3,192,000	1,418
Net interest income	$11,166,000	1,627
Provision for loan and lease losses	$350,000	1,466
Total noninterest income	$1,962,000	1,699
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$781,000	1,114
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,181,000	1,747
Total noninterest expense	$9,350,000	1,595
Salaries and employee benefits	$5,999,000	1,458
Premises and equipment expense	$861,000	1,867
Additional noninterest expense	$2,490,000	1,767
Pre-tax net operating income	$3,428,000	1,937
Securities gains (losses)	$-75,000	5,142
Applicable income taxes	$572,000	1,686
Income before extraordinary items	$2,781,000	2,042
Extraordinary gains, net	$0	11
Net income	$2,781,000	2,041
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,781,000	2,043
Net charge-offs	$2,000	3,298
Cash dividends	$1,500,000	1,441
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,843,250	1,983
2019-06-30 (YTD Data)		Rank
Total interest income	$9,512,000	1,599
Total interest expense	$2,042,000	1,431
Net interest income	$7,470,000	1,621
Provision for loan and lease losses	$200,000	1,556
Total noninterest income	$1,198,000	1,770
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$502,000	1,135
Trading account gains and fees	NA	NA
Additional Noninterest Income	$696,000	1,844
Total noninterest expense	$6,231,000	1,599
Salaries and employee benefits	$3,994,000	1,465
Premises and equipment expense	$565,000	1,895
Additional noninterest expense	$1,672,000	1,764
Pre-tax net operating income	$2,237,000	1,949
Securities gains (losses)	$-28,000	5,099
Applicable income taxes	$377,000	1,672
Income before extraordinary items	$1,832,000	2,046
Extraordinary gains, net	$0	11
Net income	$1,832,000	2,044
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,832,000	2,046
Net charge-offs	$1,000	3,090
Cash dividends	$1,500,000	1,092
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,855,240	1,997
2019-03-31 (YTD Data)		Rank
Total interest income	$4,675,000	1,617
Total interest expense	$979,000	1,455
Net interest income	$3,696,000	1,658
Provision for loan and lease losses	$100,000	1,466
Total noninterest income	$609,000	1,714
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$245,000	1,150
Trading account gains and fees	NA	NA
Additional Noninterest Income	$364,000	1,756
Total noninterest expense	$3,046,000	1,634
Salaries and employee benefits	$1,921,000	1,518
Premises and equipment expense	$280,000	1,929
Additional noninterest expense	$845,000	1,727
Pre-tax net operating income	$1,159,000	1,854
Securities gains (losses)	$0	1,087
Applicable income taxes	$206,000	1,564
Income before extraordinary items	$953,000	1,943
Extraordinary gains, net	$0	5
Net income	$953,000	1,941
Minority interest net income	$0	52
Net income of bank and minority interests.	$953,000	1,942
Net charge-offs	$2,000	2,456
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$953,000	1,927
2018-12-31 (YTD Data)		Rank
Total interest income	$17,845,000	1,595
Total interest expense	$3,546,000	1,251
Net interest income	$14,299,000	1,683
Provision for loan and lease losses	$-550,000	5,305
Total noninterest income	$2,595,000	1,707
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,108,000	1,075
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,487,000	1,809
Total noninterest expense	$12,164,000	1,595
Salaries and employee benefits	$7,588,000	1,482
Premises and equipment expense	$1,150,000	1,862
Additional noninterest expense	$3,426,000	1,703
Pre-tax net operating income	$5,280,000	1,716
Securities gains (losses)	$-4,000	4,208
Applicable income taxes	$1,042,000	1,354
Income before extraordinary items	$4,234,000	1,831
Extraordinary gains, net	$0	6
Net income	$4,234,000	1,830
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,234,000	1,830
Net charge-offs	$-449,000	5,289
Cash dividends	$3,000,000	1,074
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,237,200	1,820
2018-09-30 (YTD Data)		Rank
Total interest income	$13,239,000	1,600
Total interest expense	$2,618,000	1,206
Net interest income	$10,621,000	1,693
Provision for loan and lease losses	$-550,000	5,390
Total noninterest income	$1,887,000	1,749
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$823,000	1,085
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,064,000	1,866
Total noninterest expense	$9,130,000	1,587
Salaries and employee benefits	$5,697,000	1,473
Premises and equipment expense	$872,000	1,855
Additional noninterest expense	$2,561,000	1,708
Pre-tax net operating income	$3,928,000	1,726
Securities gains (losses)	$0	1,118
Applicable income taxes	$814,000	1,365
Income before extraordinary items	$3,114,000	1,856
Extraordinary gains, net	$0	5
Net income	$3,114,000	1,854
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,114,000	1,855
Net charge-offs	$-491,000	5,384
Cash dividends	$1,500,000	1,289
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,114,000	1,849
2018-06-30 (YTD Data)		Rank
Total interest income	$8,781,000	1,589
Total interest expense	$1,711,000	1,163
Net interest income	$7,070,000	1,692
Provision for loan and lease losses	$50,000	2,796
Total noninterest income	$1,325,000	1,694
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$546,000	1,082
Trading account gains and fees	NA	NA
Additional Noninterest Income	$779,000	1,765
Total noninterest expense	$6,107,000	1,590
Salaries and employee benefits	$3,824,000	1,474
Premises and equipment expense	$572,000	1,890
Additional noninterest expense	$1,711,000	1,716
Pre-tax net operating income	$2,238,000	1,927
Securities gains (losses)	$0	961
Applicable income taxes	$508,000	1,397
Income before extraordinary items	$1,730,000	2,099
Extraordinary gains, net	$0	6
Net income	$1,730,000	2,097
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,730,000	2,098
Net charge-offs	$72,000	1,526
Cash dividends	$1,500,000	946
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,730,000	2,090
2018-03-31 (YTD Data)		Rank
Total interest income	$4,274,000	1,614
Total interest expense	$838,000	1,130
Net interest income	$3,436,000	1,732
Provision for loan and lease losses	$50,000	2,055
Total noninterest income	$702,000	1,625
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$274,000	1,092
Trading account gains and fees	NA	NA
Additional Noninterest Income	$428,000	1,636
Total noninterest expense	$2,910,000	1,680
Salaries and employee benefits	$1,819,000	1,559
Premises and equipment expense	$273,000	1,990
Additional noninterest expense	$818,000	1,781
Pre-tax net operating income	$1,178,000	1,807
Securities gains (losses)	$0	735
Applicable income taxes	$230,000	1,446
Income before extraordinary items	$948,000	1,909
Extraordinary gains, net	$0	7
Net income	$948,000	1,908
Minority interest net income	$0	52
Net income of bank and minority interests.	$948,000	1,909
Net charge-offs	$76,000	983
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$948,000	1,902
2017-12-31 (YTD Data)		Rank
Total interest income	$16,190,000	1,641
Total interest expense	$3,329,000	984
Net interest income	$12,861,000	1,801
Provision for loan and lease losses	$287,000	2,034
Total noninterest income	$2,743,000	1,682
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,059,000	1,132
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,684,000	1,694
Total noninterest expense	$11,543,000	1,660
Salaries and employee benefits	$7,077,000	1,570
Premises and equipment expense	$1,177,000	1,872
Additional noninterest expense	$3,289,000	1,804
Pre-tax net operating income	$3,774,000	2,127
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,189,000	1,722
Income before extraordinary items	$2,585,000	2,279
Extraordinary gains, net	$0	9
Net income	$2,585,000	2,279
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,585,000	2,279
Net charge-offs	$-28,000	5,015
Cash dividends	$1,200,000	1,976
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,585,000	2,255
2017-09-30 (YTD Data)		Rank
Total interest income	$11,918,000	1,667
Total interest expense	$2,486,000	969
Net interest income	$9,432,000	1,843
Provision for loan and lease losses	$287,000	1,671
Total noninterest income	$1,922,000	1,767
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$776,000	1,166
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,146,000	1,813
Total noninterest expense	$8,582,000	1,687
Salaries and employee benefits	$5,283,000	1,578
Premises and equipment expense	$892,000	1,878
Additional noninterest expense	$2,407,000	1,835
Pre-tax net operating income	$2,485,000	2,375
Securities gains (losses)	$-1,000	5,136
Applicable income taxes	$704,000	1,784
Income before extraordinary items	$1,780,000	2,586
Extraordinary gains, net	$0	9
Net income	$1,780,000	2,586
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,780,000	2,586
Net charge-offs	$-23,000	4,968
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,780,720	2,573
2017-06-30 (YTD Data)		Rank
Total interest income	$7,782,000	1,686
Total interest expense	$1,642,000	954
Net interest income	$6,140,000	1,860
Provision for loan and lease losses	$112,000	2,164
Total noninterest income	$1,395,000	1,670
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$484,000	1,219
Trading account gains and fees	NA	NA
Additional Noninterest Income	$911,000	1,634
Total noninterest expense	$5,726,000	1,693
Salaries and employee benefits	$3,518,000	1,590
Premises and equipment expense	$599,000	1,868
Additional noninterest expense	$1,609,000	1,822
Pre-tax net operating income	$1,697,000	2,279
Securities gains (losses)	$0	1,906
Applicable income taxes	$482,000	1,729
Income before extraordinary items	$1,215,000	2,504
Extraordinary gains, net	$0	11
Net income	$1,215,000	2,503
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,215,000	2,504
Net charge-offs	$-18,000	4,977
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,215,000	2,487
2017-03-31 (YTD Data)		Rank
Total interest income	$3,814,000	1,706
Total interest expense	$830,000	922
Net interest income	$2,984,000	1,903
Provision for loan and lease losses	$0	3,537
Total noninterest income	$658,000	1,719
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$227,000	1,284
Trading account gains and fees	NA	NA
Additional Noninterest Income	$431,000	1,678
Total noninterest expense	$2,728,000	1,780
Salaries and employee benefits	$1,670,000	1,686
Premises and equipment expense	$310,000	1,843
Additional noninterest expense	$748,000	1,940
Pre-tax net operating income	$914,000	2,079
Securities gains (losses)	$0	1,153
Applicable income taxes	$261,000	1,621
Income before extraordinary items	$653,000	2,311
Extraordinary gains, net	$0	8
Net income	$653,000	2,310
Minority interest net income	$0	55
Net income of bank and minority interests.	$653,000	2,311
Net charge-offs	$-11,000	5,031
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$653,000	2,281
2016-12-31 (YTD Data)		Rank
Total interest income	$14,403,000	1,756
Total interest expense	$3,329,000	879
Net interest income	$11,074,000	2,000
Provision for loan and lease losses	$486,000	1,505
Total noninterest income	$2,712,000	1,761
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$916,000	1,302
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,796,000	1,698
Total noninterest expense	$11,071,000	1,729
Salaries and employee benefits	$6,536,000	1,657
Premises and equipment expense	$1,183,000	1,889
Additional noninterest expense	$3,352,000	1,791
Pre-tax net operating income	$2,229,000	2,876
Securities gains (losses)	$-45,000	5,738
Applicable income taxes	$620,000	2,072
Income before extraordinary items	$1,564,000	3,211
Extraordinary gains, net	$0	5
Net income	$1,564,000	3,210
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,564,000	3,210
Net charge-offs	$141,000	2,284
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,596,400	3,114
2016-09-30 (YTD Data)		Rank
Total interest income	$10,646,000	1,782
Total interest expense	$2,489,000	874
Net interest income	$8,157,000	2,030
Provision for loan and lease losses	$270,000	1,728
Total noninterest income	$1,614,000	2,028
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$676,000	1,315
Trading account gains and fees	$0	169
Additional Noninterest Income	$938,000	2,126
Total noninterest expense	$8,219,000	1,747
Salaries and employee benefits	$4,856,000	1,668
Premises and equipment expense	$879,000	1,903
Additional noninterest expense	$2,484,000	1,807
Pre-tax net operating income	$1,282,000	3,361
Securities gains (losses)	$-45,000	5,875
Applicable income taxes	$351,000	2,356
Income before extraordinary items	$886,000	3,720
Extraordinary gains, net	$0	5
Net income	$886,000	3,718
Minority interest net income	$0	71
Net income of bank and minority interests.	$886,000	3,720
Net charge-offs	$150,000	1,689
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$918,400	3,581
2016-06-30 (YTD Data)		Rank
Total interest income	$6,991,000	1,820
Total interest expense	$1,652,000	879
Net interest income	$5,339,000	2,072
Provision for loan and lease losses	$50,000	2,917
Total noninterest income	$985,000	2,132
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$437,000	1,341
Trading account gains and fees	$0	157
Additional Noninterest Income	$548,000	2,265
Total noninterest expense	$5,533,000	1,744
Salaries and employee benefits	$3,234,000	1,679
Premises and equipment expense	$590,000	1,890
Additional noninterest expense	$1,709,000	1,768
Pre-tax net operating income	$741,000	3,576
Securities gains (losses)	$-45,000	5,966
Applicable income taxes	$219,000	2,423
Income before extraordinary items	$477,000	4,030
Extraordinary gains, net	$0	16
Net income	$477,000	4,027
Minority interest net income	$0	71
Net income of bank and minority interests.	$477,000	4,029
Net charge-offs	$52,000	2,116
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$508,050	3,851
2016-03-31 (YTD Data)		Rank
Total interest income	$3,467,000	1,840
Total interest expense	$828,000	876
Net interest income	$2,639,000	2,089
Provision for loan and lease losses	$0	3,656
Total noninterest income	$551,000	1,938
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$215,000	1,347
Trading account gains and fees	$0	142
Additional Noninterest Income	$336,000	1,959
Total noninterest expense	$2,734,000	1,762
Salaries and employee benefits	$1,569,000	1,727
Premises and equipment expense	$290,000	1,929
Additional noninterest expense	$875,000	1,728
Pre-tax net operating income	$456,000	3,183
Securities gains (losses)	$-45,000	6,056
Applicable income taxes	$100,000	2,466
Income before extraordinary items	$311,000	3,564
Extraordinary gains, net	$0	12
Net income	$311,000	3,560
Minority interest net income	$0	62
Net income of bank and minority interests.	$311,000	3,562
Net charge-offs	$23,000	1,894
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$345,200	3,323
2015-12-31 (YTD Data)		Rank
Total interest income	$13,506,000	1,827
Total interest expense	$3,415,000	819
Net interest income	$10,091,000	2,114
Provision for loan and lease losses	$1,078,000	773
Total noninterest income	$2,692,000	1,731
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$886,000	1,359
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,806,000	1,641
Total noninterest expense	$10,970,000	1,730
Salaries and employee benefits	$6,162,000	1,710
Premises and equipment expense	$1,218,000	1,862
Additional noninterest expense	$3,590,000	1,688
Pre-tax net operating income	$735,000	4,519
Securities gains (losses)	$-39,000	6,006
Applicable income taxes	$39,000	3,722
Income before extraordinary items	$657,000	4,489
Extraordinary gains, net	$0	23
Net income	$657,000	4,489
Minority interest net income	$0	81
Net income of bank and minority interests.	$657,000	4,489
Net charge-offs	$897,000	749
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$693,660	4,373
2015-09-30 (YTD Data)		Rank
Total interest income	$10,050,000	1,859
Total interest expense	$2,587,000	821
Net interest income	$7,463,000	2,148
Provision for loan and lease losses	$395,000	1,263
Total noninterest income	$1,835,000	1,868
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$664,000	1,368
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,171,000	1,829
Total noninterest expense	$8,192,000	1,743
Salaries and employee benefits	$4,573,000	1,732
Premises and equipment expense	$929,000	1,852
Additional noninterest expense	$2,690,000	1,683
Pre-tax net operating income	$711,000	4,270
Securities gains (losses)	$-36,000	6,122
Applicable income taxes	$82,000	3,383
Income before extraordinary items	$593,000	4,350
Extraordinary gains, net	$0	21
Net income	$593,000	4,352
Minority interest net income	$0	78
Net income of bank and minority interests.	$593,000	4,353
Net charge-offs	$410,000	990
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$624,680	4,213
2015-06-30 (YTD Data)		Rank
Total interest income	$6,661,000	1,865
Total interest expense	$1,753,000	810
Net interest income	$4,908,000	2,181
Provision for loan and lease losses	$465,000	822
Total noninterest income	$1,192,000	1,918
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$433,000	1,373
Trading account gains and fees	$0	157
Additional Noninterest Income	$759,000	1,866
Total noninterest expense	$5,541,000	1,728
Salaries and employee benefits	$3,048,000	1,738
Premises and equipment expense	$630,000	1,831
Additional noninterest expense	$1,863,000	1,640
Pre-tax net operating income	$94,000	5,653
Securities gains (losses)	$0	2,636
Applicable income taxes	$-64,000	6,239
Income before extraordinary items	$158,000	5,334
Extraordinary gains, net	$0	22
Net income	$158,000	5,333
Minority interest net income	$0	75
Net income of bank and minority interests.	$158,000	5,336
Net charge-offs	$414,000	742
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$158,000	5,285
2015-03-31 (YTD Data)		Rank
Total interest income	$3,336,000	1,866
Total interest expense	$902,000	780
Net interest income	$2,434,000	2,183
Provision for loan and lease losses	$580,000	366
Total noninterest income	$514,000	2,061
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$212,000	1,372
Trading account gains and fees	$0	152
Additional Noninterest Income	$302,000	2,120
Total noninterest expense	$2,779,000	1,726
Salaries and employee benefits	$1,509,000	1,765
Premises and equipment expense	$336,000	1,746
Additional noninterest expense	$934,000	1,612
Pre-tax net operating income	$-411,000	6,354
Securities gains (losses)	$0	2,027
Applicable income taxes	$-127,000	6,378
Income before extraordinary items	$-284,000	6,341
Extraordinary gains, net	$0	13
Net income	$-284,000	6,342
Minority interest net income	$0	64
Net income of bank and minority interests.	$-284,000	6,342
Net charge-offs	$460,000	382
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$-284,000	6,332
2014-12-31 (YTD Data)		Rank
Total interest income	$13,930,000	1,802
Total interest expense	$3,868,000	759
Net interest income	$10,062,000	2,112
Provision for loan and lease losses	$85,000	3,356
Total noninterest income	$2,300,000	1,917
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,435,000	920
Trading account gains and fees	$0	180
Additional Noninterest Income	$865,000	2,535
Total noninterest expense	$10,884,000	1,756
Salaries and employee benefits	$5,965,000	1,733
Premises and equipment expense	$1,155,000	1,989
Additional noninterest expense	$3,764,000	1,652
Pre-tax net operating income	$1,393,000	3,614
Securities gains (losses)	$-157,000	6,373
Applicable income taxes	$196,000	2,976
Income before extraordinary items	$1,040,000	3,896
Extraordinary gains, net	$0	17
Net income	$1,040,000	3,896
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,040,000	3,897
Net charge-offs	$570,000	1,343
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,171,880	3,634
2014-09-30 (YTD Data)		Rank
Total interest income	$10,491,000	1,809
Total interest expense	$2,931,000	758
Net interest income	$7,560,000	2,121
Provision for loan and lease losses	$15,000	4,038
Total noninterest income	$1,769,000	1,891
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$1,087,000	916
Trading account gains and fees	$0	174
Additional Noninterest Income	$682,000	2,476
Total noninterest expense	$8,124,000	1,764
Salaries and employee benefits	$4,408,000	1,755
Premises and equipment expense	$880,000	1,973
Additional noninterest expense	$2,836,000	1,649
Pre-tax net operating income	$1,190,000	3,451
Securities gains (losses)	$-105,000	6,446
Applicable income taxes	$203,000	2,791
Income before extraordinary items	$882,000	3,733
Extraordinary gains, net	$0	15
Net income	$882,000	3,736
Minority interest net income	$0	81
Net income of bank and minority interests.	$882,000	3,737
Net charge-offs	$276,000	1,677
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$967,050	3,513
2014-06-30 (YTD Data)		Rank
Total interest income	$6,979,000	1,802
Total interest expense	$1,963,000	757
Net interest income	$5,016,000	2,120
Provision for loan and lease losses	$15,000	3,758
Total noninterest income	$1,121,000	1,949
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$714,000	918
Trading account gains and fees	$0	172
Additional Noninterest Income	$407,000	2,604
Total noninterest expense	$5,441,000	1,746
Salaries and employee benefits	$2,909,000	1,774
Premises and equipment expense	$584,000	1,997
Additional noninterest expense	$1,948,000	1,596
Pre-tax net operating income	$681,000	3,636
Securities gains (losses)	$-2,000	6,107
Applicable income taxes	$123,000	2,854
Income before extraordinary items	$556,000	3,762
Extraordinary gains, net	$0	20
Net income	$556,000	3,766
Minority interest net income	$0	80
Net income of bank and minority interests.	$556,000	3,768
Net charge-offs	$244,000	1,430
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$557,640	3,694
2014-03-31 (YTD Data)		Rank
Total interest income	$3,487,000	1,789
Total interest expense	$981,000	765
Net interest income	$2,506,000	2,106
Provision for loan and lease losses	$15,000	3,093
Total noninterest income	$443,000	2,203
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$346,000	935
Trading account gains and fees	$0	147
Additional Noninterest Income	$97,000	3,624
Total noninterest expense	$2,704,000	1,759
Salaries and employee benefits	$1,437,000	1,804
Premises and equipment expense	$296,000	2,006
Additional noninterest expense	$971,000	1,587
Pre-tax net operating income	$230,000	4,244
Securities gains (losses)	$0	1,715
Applicable income taxes	$24,000	3,399
Income before extraordinary items	$206,000	4,206
Extraordinary gains, net	$0	16
Net income	$206,000	4,206
Minority interest net income	$0	66
Net income of bank and minority interests.	$206,000	4,208
Net charge-offs	$11,000	2,795
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$206,000	4,152
2013-12-31 (YTD Data)		Rank
Total interest income	$14,251,000	1,751
Total interest expense	$4,355,000	764
Net interest income	$9,896,000	2,111
Provision for loan and lease losses	$245,000	2,713
Total noninterest income	$2,352,000	1,930
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,438,000	963
Trading account gains and fees	$0	184
Additional Noninterest Income	$914,000	2,490
Total noninterest expense	$10,386,000	1,832
Salaries and employee benefits	$5,626,000	1,812
Premises and equipment expense	$1,152,000	1,986
Additional noninterest expense	$3,608,000	1,759
Pre-tax net operating income	$1,617,000	3,267
Securities gains (losses)	$-68,000	6,495
Applicable income taxes	$321,000	2,562
Income before extraordinary items	$1,228,000	3,511
Extraordinary gains, net	$0	29
Net income	$1,228,000	3,513
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,228,000	3,514
Net charge-offs	$571,000	1,880
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,281,720	3,390
2013-09-30 (YTD Data)		Rank
Total interest income	$10,748,000	1,748
Total interest expense	$3,335,000	774
Net interest income	$7,413,000	2,117
Provision for loan and lease losses	$225,000	2,403
Total noninterest income	$1,777,000	1,959
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$1,067,000	972
Trading account gains and fees	$0	180
Additional Noninterest Income	$710,000	2,489
Total noninterest expense	$7,679,000	1,858
Salaries and employee benefits	$4,143,000	1,856
Premises and equipment expense	$876,000	1,975
Additional noninterest expense	$2,660,000	1,785
Pre-tax net operating income	$1,286,000	3,223
Securities gains (losses)	$-64,000	6,683
Applicable income taxes	$261,000	2,549
Income before extraordinary items	$961,000	3,493
Extraordinary gains, net	$0	25
Net income	$961,000	3,495
Minority interest net income	$0	84
Net income of bank and minority interests.	$961,000	3,497
Net charge-offs	$587,000	1,437
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,011,560	3,331
2013-06-30 (YTD Data)		Rank
Total interest income	$7,284,000	1,720
Total interest expense	$2,262,000	793
Net interest income	$5,022,000	2,083
Provision for loan and lease losses	$205,000	2,081
Total noninterest income	$1,234,000	1,933
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$699,000	967
Trading account gains and fees	$0	157
Additional Noninterest Income	$535,000	2,381
Total noninterest expense	$5,073,000	1,879
Salaries and employee benefits	$2,718,000	1,893
Premises and equipment expense	$579,000	1,992
Additional noninterest expense	$1,776,000	1,781
Pre-tax net operating income	$978,000	2,940
Securities gains (losses)	$-61,000	6,811
Applicable income taxes	$220,000	2,338
Income before extraordinary items	$697,000	3,317
Extraordinary gains, net	$0	22
Net income	$697,000	3,318
Minority interest net income	$0	82
Net income of bank and minority interests.	$697,000	3,320
Net charge-offs	$447,000	1,343
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$743,360	3,108
2013-03-31 (YTD Data)		Rank
Total interest income	$3,697,000	1,706
Total interest expense	$1,145,000	809
Net interest income	$2,552,000	2,056
Provision for loan and lease losses	$135,000	1,793
Total noninterest income	$583,000	1,995
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$341,000	977
Trading account gains and fees	$0	148
Additional Noninterest Income	$242,000	2,508
Total noninterest expense	$2,601,000	1,855
Salaries and employee benefits	$1,409,000	1,849
Premises and equipment expense	$323,000	1,840
Additional noninterest expense	$869,000	1,819
Pre-tax net operating income	$399,000	3,300
Securities gains (losses)	$-37,000	6,911
Applicable income taxes	$79,000	2,614
Income before extraordinary items	$283,000	3,679
Extraordinary gains, net	$0	10
Net income	$283,000	3,679
Minority interest net income	$0	76
Net income of bank and minority interests.	$283,000	3,681
Net charge-offs	$140,000	1,641
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$311,860	3,414
2012-12-31 (YTD Data)		Rank
Total interest income	$16,613,000	1,601
Total interest expense	$5,549,000	805
Net interest income	$11,064,000	1,968
Provision for loan and lease losses	$1,115,000	1,650
Total noninterest income	$2,569,000	1,835
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$1,443,000	989
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,126,000	2,229
Total noninterest expense	$10,225,000	1,874
Salaries and employee benefits	$5,551,000	1,820
Premises and equipment expense	$1,272,000	1,850
Additional noninterest expense	$3,402,000	1,928
Pre-tax net operating income	$2,293,000	2,564
Securities gains (losses)	$-1,148,000	7,044
Applicable income taxes	$132,000	3,315
Income before extraordinary items	$1,013,000	3,885
Extraordinary gains, net	$0	29
Net income	$1,013,000	3,885
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,013,000	3,887
Net charge-offs	$1,261,000	1,577
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,023,240	2,441
2012-09-30 (YTD Data)		Rank
Total interest income	$12,700,000	1,604
Total interest expense	$4,282,000	821
Net interest income	$8,418,000	1,975
Provision for loan and lease losses	$800,000	1,704
Total noninterest income	$1,876,000	1,873
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$1,044,000	1,027
Trading account gains and fees	$0	157
Additional Noninterest Income	$832,000	2,236
Total noninterest expense	$7,573,000	1,895
Salaries and employee benefits	$4,095,000	1,843
Premises and equipment expense	$954,000	1,868
Additional noninterest expense	$2,524,000	1,956
Pre-tax net operating income	$1,921,000	2,429
Securities gains (losses)	$-1,042,000	7,141
Applicable income taxes	$84,000	3,481
Income before extraordinary items	$795,000	3,866
Extraordinary gains, net	$0	20
Net income	$795,000	3,867
Minority interest net income	$0	86
Net income of bank and minority interests.	$795,000	3,868
Net charge-offs	$854,000	1,609
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,732,800	2,248
2012-06-30 (YTD Data)		Rank
Total interest income	$8,611,000	1,587
Total interest expense	$2,959,000	824
Net interest income	$5,652,000	1,957
Provision for loan and lease losses	$550,000	1,699
Total noninterest income	$1,138,000	1,970
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$675,000	1,046
Trading account gains and fees	$0	153
Additional Noninterest Income	$463,000	2,433
Total noninterest expense	$5,019,000	1,912
Salaries and employee benefits	$2,681,000	1,868
Premises and equipment expense	$649,000	1,829
Additional noninterest expense	$1,689,000	1,954
Pre-tax net operating income	$1,221,000	2,492
Securities gains (losses)	$-952,000	7,206
Applicable income taxes	$-4,000	6,795
Income before extraordinary items	$273,000	4,940
Extraordinary gains, net	$0	19
Net income	$273,000	4,943
Minority interest net income	$0	84
Net income of bank and minority interests.	$273,000	4,943
Net charge-offs	$718,000	1,418
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,225,000	2,108
2012-03-31 (YTD Data)		Rank
Total interest income	$4,350,000	1,586
Total interest expense	$1,580,000	789
Net interest income	$2,770,000	1,997
Provision for loan and lease losses	$190,000	2,085
Total noninterest income	$592,000	1,925
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$331,000	1,057
Trading account gains and fees	$0	148
Additional Noninterest Income	$261,000	2,280
Total noninterest expense	$2,578,000	1,851
Salaries and employee benefits	$1,415,000	1,777
Premises and equipment expense	$296,000	2,001
Additional noninterest expense	$867,000	1,909
Pre-tax net operating income	$594,000	2,551
Securities gains (losses)	$-493,000	7,264
Applicable income taxes	$26,000	3,512
Income before extraordinary items	$75,000	5,668
Extraordinary gains, net	$0	19
Net income	$75,000	5,668
Minority interest net income	$0	78
Net income of bank and minority interests.	$75,000	5,668
Net charge-offs	$229,000	1,732
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$439,820	2,734
2011-12-31 (YTD Data)		Rank
Total interest income	$18,758,000	1,519
Total interest expense	$7,778,000	752
Net interest income	$10,980,000	1,987
Provision for loan and lease losses	$1,045,000	2,363
Total noninterest income	$4,458,000	1,143
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$209,000	4,296
Trading account gains and fees	$0	146
Additional Noninterest Income	$4,249,000	802
Total noninterest expense	$11,130,000	1,742
Salaries and employee benefits	$6,080,000	1,610
Premises and equipment expense	$2,388,000	1,036
Additional noninterest expense	$2,662,000	2,468
Pre-tax net operating income	$3,263,000	1,698
Securities gains (losses)	$-1,311,000	7,297
Applicable income taxes	$543,000	1,952
Income before extraordinary items	$1,409,000	2,903
Extraordinary gains, net	$0	29
Net income	$1,409,000	2,905
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,409,000	2,905
Net charge-offs	$553,000	3,058
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,352,920	1,881
2011-09-30 (YTD Data)		Rank
Total interest income	$14,290,000	1,512
Total interest expense	$5,940,000	772
Net interest income	$8,350,000	1,967
Provision for loan and lease losses	$845,000	2,195
Total noninterest income	$3,830,000	1,030
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$156,000	4,332
Trading account gains and fees	$0	145
Additional Noninterest Income	$3,674,000	720
Total noninterest expense	$8,303,000	1,746
Salaries and employee benefits	$4,529,000	1,627
Premises and equipment expense	$1,821,000	1,039
Additional noninterest expense	$1,953,000	2,522
Pre-tax net operating income	$3,032,000	1,476
Securities gains (losses)	$-1,097,000	7,385
Applicable income taxes	$561,000	1,633
Income before extraordinary items	$1,374,000	2,479
Extraordinary gains, net	$0	21
Net income	$1,374,000	2,481
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,374,000	2,481
Net charge-offs	$518,000	2,629
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,152,870	1,653
2011-06-30 (YTD Data)		Rank
Total interest income	$9,637,000	1,507
Total interest expense	$4,018,000	798
Net interest income	$5,619,000	1,954
Provision for loan and lease losses	$465,000	2,403
Total noninterest income	$1,742,000	1,340
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$100,000	4,389
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,642,000	953
Total noninterest expense	$5,543,000	1,757
Salaries and employee benefits	$2,998,000	1,650
Premises and equipment expense	$1,222,000	1,042
Additional noninterest expense	$1,323,000	2,510
Pre-tax net operating income	$1,353,000	2,040
Securities gains (losses)	$-534,000	7,440
Applicable income taxes	$267,000	1,924
Income before extraordinary items	$552,000	3,376
Extraordinary gains, net	$0	15
Net income	$552,000	3,377
Minority interest net income	$0	89
Net income of bank and minority interests.	$552,000	3,377
Net charge-offs	$-21,000	7,167
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$909,780	2,356
2011-03-31 (YTD Data)		Rank
Total interest income	$4,859,000	1,513
Total interest expense	$2,053,000	814
Net interest income	$2,806,000	1,957
Provision for loan and lease losses	$215,000	2,354
Total noninterest income	$992,000	1,218
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	4,310
Trading account gains and fees	$0	158
Additional Noninterest Income	$941,000	862
Total noninterest expense	$2,759,000	1,785
Salaries and employee benefits	$1,499,000	1,657
Premises and equipment expense	$571,000	1,153
Additional noninterest expense	$689,000	2,410
Pre-tax net operating income	$824,000	1,732
Securities gains (losses)	$-84,000	7,383
Applicable income taxes	$197,000	1,530
Income before extraordinary items	$543,000	2,098
Extraordinary gains, net	$0	9
Net income	$543,000	2,097
Minority interest net income	$0	86
Net income of bank and minority interests.	$543,000	2,098
Net charge-offs	$-17,000	7,158
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$604,320	1,852
2010-12-31 (YTD Data)		Rank
Total interest income	$20,747,000	1,480
Total interest expense	$9,126,000	910
Net interest income	$11,621,000	1,886
Provision for loan and lease losses	$944,000	3,152
Total noninterest income	$2,822,000	1,617
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$2,822,000	1,106
Total noninterest expense	$11,008,000	1,788
Salaries and employee benefits	$6,036,000	1,611
Premises and equipment expense	$2,072,000	1,249
Additional noninterest expense	$2,900,000	2,347
Pre-tax net operating income	$2,491,000	1,900
Securities gains (losses)	$-1,252,000	7,535
Applicable income taxes	$208,000	2,687
Income before extraordinary items	$1,031,000	3,167
Extraordinary gains, net	$0	29
Net income	$1,031,000	3,163
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,031,000	3,167
Net charge-offs	$497,000	3,665
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,070,160	1,895
2010-09-30 (YTD Data)		Rank
Total interest income	$15,804,000	1,496
Total interest expense	$6,949,000	926
Net interest income	$8,855,000	1,892
Provision for loan and lease losses	$712,000	3,012
Total noninterest income	$2,061,000	1,654
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	165
Additional Noninterest Income	$2,061,000	1,087
Total noninterest expense	$8,170,000	1,793
Salaries and employee benefits	$4,543,000	1,613
Premises and equipment expense	$1,548,000	1,275
Additional noninterest expense	$2,079,000	2,401
Pre-tax net operating income	$2,034,000	1,868
Securities gains (losses)	$-897,000	7,644
Applicable income taxes	$230,000	2,413
Income before extraordinary items	$907,000	3,064
Extraordinary gains, net	$0	23
Net income	$907,000	3,062
Minority interest net income	$0	110
Net income of bank and minority interests.	$907,000	3,065
Net charge-offs	$274,000	3,848
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,624,600	1,913
2010-06-30 (YTD Data)		Rank
Total interest income	$10,667,000	1,495
Total interest expense	$4,707,000	952
Net interest income	$5,960,000	1,879
Provision for loan and lease losses	$525,000	2,779
Total noninterest income	$1,350,000	1,624
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,350,000	1,060
Total noninterest expense	$5,474,000	1,796
Salaries and employee benefits	$3,020,000	1,629
Premises and equipment expense	$1,037,000	1,276
Additional noninterest expense	$1,417,000	2,366
Pre-tax net operating income	$1,311,000	1,911
Securities gains (losses)	$-978,000	7,741
Applicable income taxes	$9,000	4,121
Income before extraordinary items	$324,000	4,168
Extraordinary gains, net	$0	19
Net income	$324,000	4,167
Minority interest net income	$0	105
Net income of bank and minority interests.	$324,000	4,167
Net charge-offs	$76,000	4,521
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,272,660	1,631
2010-03-31 (YTD Data)		Rank
Total interest income	$5,411,000	1,505
Total interest expense	$2,406,000	979
Net interest income	$3,005,000	1,893
Provision for loan and lease losses	$250,000	2,660
Total noninterest income	$670,000	1,651
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$670,000	1,046
Total noninterest expense	$2,737,000	1,821
Salaries and employee benefits	$1,575,000	1,587
Premises and equipment expense	$511,000	1,333
Additional noninterest expense	$651,000	2,525
Pre-tax net operating income	$688,000	1,854
Securities gains (losses)	$-412,000	7,822
Applicable income taxes	$43,000	2,901
Income before extraordinary items	$233,000	3,614
Extraordinary gains, net	$0	16
Net income	$233,000	3,611
Minority interest net income	$0	91
Net income of bank and minority interests.	$233,000	3,613
Net charge-offs	$47,000	3,765
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$579,080	1,806
2009-12-31 (YTD Data)		Rank
Total interest income	$24,022,000	1,438
Total interest expense	$11,553,000	1,025
Net interest income	$12,469,000	1,783
Provision for loan and lease losses	$896,000	3,674
Total noninterest income	$3,012,000	1,608
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	211
Additional Noninterest Income	$3,012,000	1,034
Total noninterest expense	$11,652,000	1,757
Salaries and employee benefits	$5,949,000	1,669
Premises and equipment expense	$2,052,000	1,318
Additional noninterest expense	$3,651,000	1,999
Pre-tax net operating income	$2,933,000	1,365
Securities gains (losses)	$-10,037,000	7,941
Applicable income taxes	$-2,974,000	7,625
Income before extraordinary items	$-4,130,000	7,169
Extraordinary gains, net	$0	34
Net income	$-4,130,000	7,168
Minority interest net income	$0	115
Net income of bank and minority interests.	$-4,130,000	7,168
Net charge-offs	$573,000	3,619
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,293,680	1,426
2009-09-30 (YTD Data)		Rank
Total interest income	$18,243,000	1,443
Total interest expense	$9,079,000	1,032
Net interest income	$9,164,000	1,818
Provision for loan and lease losses	$646,000	3,416
Total noninterest income	$2,264,000	1,621
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	212
Additional Noninterest Income	$2,264,000	1,055
Total noninterest expense	$8,677,000	1,746
Salaries and employee benefits	$4,360,000	1,728
Premises and equipment expense	$1,538,000	1,333
Additional noninterest expense	$2,779,000	1,906
Pre-tax net operating income	$2,105,000	1,541
Securities gains (losses)	$-9,946,000	8,043
Applicable income taxes	$-3,170,000	7,826
Income before extraordinary items	$-4,671,000	7,551
Extraordinary gains, net	$0	27
Net income	$-4,671,000	7,551
Minority interest net income	$0	118
Net income of bank and minority interests.	$-4,671,000	7,551
Net charge-offs	$399,000	3,346
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,694,440	1,544
2009-06-30 (YTD Data)		Rank
Total interest income	$12,243,000	1,462
Total interest expense	$6,195,000	1,075
Net interest income	$6,048,000	1,832
Provision for loan and lease losses	$428,000	3,174
Total noninterest income	$1,492,000	1,660
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,492,000	1,096
Total noninterest expense	$5,527,000	1,864
Salaries and employee benefits	$2,846,000	1,793
Premises and equipment expense	$1,028,000	1,354
Additional noninterest expense	$1,653,000	2,149
Pre-tax net operating income	$1,585,000	1,447
Securities gains (losses)	$-9,946,000	8,144
Applicable income taxes	$-3,280,000	7,987
Income before extraordinary items	$-5,081,000	7,802
Extraordinary gains, net	$0	21
Net income	$-5,081,000	7,801
Minority interest net income	$0	112
Net income of bank and minority interests.	$-5,081,000	7,801
Net charge-offs	$222,000	3,305
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,284,440	1,425
2009-03-31 (YTD Data)		Rank
Total interest income	$6,165,000	1,466
Total interest expense	$3,105,000	1,104
Net interest income	$3,060,000	1,815
Provision for loan and lease losses	$228,000	2,672
Total noninterest income	$673,000	1,742
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	171
Additional Noninterest Income	$673,000	1,148
Total noninterest expense	$2,584,000	1,915
Salaries and employee benefits	$1,521,000	1,698
Premises and equipment expense	$508,000	1,394
Additional noninterest expense	$555,000	2,745
Pre-tax net operating income	$921,000	1,399
Securities gains (losses)	$124,000	890
Applicable income taxes	$329,000	982
Income before extraordinary items	$716,000	1,520
Extraordinary gains, net	$0	15
Net income	$716,000	1,522
Minority interest net income	$0	102
Net income of bank and minority interests.	$716,000	1,522
Net charge-offs	$13,000	4,614
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$630,440	1,619
2008-12-31 (YTD Data)		Rank
Total interest income	$26,529,000	1,467
Total interest expense	$13,952,000	1,159
Net interest income	$12,577,000	1,771
Provision for loan and lease losses	$6,333,000	849
Total noninterest income	$3,072,000	1,544
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	154
Additional Noninterest Income	$3,072,000	942
Total noninterest expense	$10,488,000	1,848
Salaries and employee benefits	$6,144,000	1,663
Premises and equipment expense	$1,978,000	1,395
Additional noninterest expense	$2,366,000	2,461
Pre-tax net operating income	$-1,172,000	7,093
Securities gains (losses)	$335,000	506
Applicable income taxes	$-610,000	7,562
Income before extraordinary items	$-227,000	6,514
Extraordinary gains, net	$0	39
Net income	$-227,000	6,514
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$423,000	3,032
Cash dividends	$2,000,000	1,337
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-441,400	6,811
2008-09-30 (YTD Data)		Rank
Total interest income	$20,001,000	1,493
Total interest expense	$10,675,000	1,182
Net interest income	$9,326,000	1,802
Provision for loan and lease losses	$5,730,000	594
Total noninterest income	$2,207,000	1,651
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$2,207,000	1,027
Total noninterest expense	$7,919,000	1,821
Salaries and employee benefits	$4,615,000	1,688
Premises and equipment expense	$1,523,000	1,362
Additional noninterest expense	$1,781,000	2,384
Pre-tax net operating income	$-2,116,000	7,886
Securities gains (losses)	$317,000	444
Applicable income taxes	$398,000	2,161
Income before extraordinary items	$-2,197,000	7,898
Extraordinary gains, net	$0	31
Net income	$-2,197,000	7,897
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,747
Cash dividends	$2,000,000	1,009
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-2,514,000	8,014
2008-06-30 (YTD Data)		Rank
Total interest income	$13,509,000	1,499
Total interest expense	$7,298,000	1,204
Net interest income	$6,211,000	1,805
Provision for loan and lease losses	$0	6,671
Total noninterest income	$1,421,000	1,718
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,421,000	1,094
Total noninterest expense	$5,375,000	1,794
Salaries and employee benefits	$3,109,000	1,681
Premises and equipment expense	$1,039,000	1,331
Additional noninterest expense	$1,227,000	2,290
Pre-tax net operating income	$2,257,000	1,515
Securities gains (losses)	$288,000	464
Applicable income taxes	$720,000	1,209
Income before extraordinary items	$1,825,000	1,503
Extraordinary gains, net	$0	21
Net income	$1,825,000	1,504
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,998
Cash dividends	$2,000,000	774
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,617,640	1,642
2008-03-31 (YTD Data)		Rank
Total interest income	$6,757,000	1,538
Total interest expense	$3,837,000	1,218
Net interest income	$2,920,000	1,914
Provision for loan and lease losses	$0	6,080
Total noninterest income	$698,000	1,758
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$698,000	1,122
Total noninterest expense	$2,636,000	1,818
Salaries and employee benefits	$1,590,000	1,654
Premises and equipment expense	$486,000	1,434
Additional noninterest expense	$560,000	2,459
Pre-tax net operating income	$982,000	1,814
Securities gains (losses)	$215,000	421
Applicable income taxes	$289,000	1,514
Income before extraordinary items	$908,000	1,640
Extraordinary gains, net	$0	15
Net income	$908,000	1,642
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	7,531
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$744,600	1,864
2007-12-31 (YTD Data)		Rank
Total interest income	$26,422,000	1,631
Total interest expense	$15,707,000	1,267
Net interest income	$10,715,000	2,110
Provision for loan and lease losses	$66,000	5,396
Total noninterest income	$2,777,000	1,733
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$2,777,000	1,072
Total noninterest expense	$10,732,000	1,728
Salaries and employee benefits	$6,186,000	1,626
Premises and equipment expense	$2,169,000	1,225
Additional noninterest expense	$2,377,000	2,273
Pre-tax net operating income	$2,694,000	2,655
Securities gains (losses)	$75,000	683
Applicable income taxes	$679,000	2,338
Income before extraordinary items	$2,090,000	2,727
Extraordinary gains, net	$0	39
Net income	$2,090,000	2,726
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	4,587
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,033,750	2,764
2007-09-30 (YTD Data)		Rank
Total interest income	$19,542,000	1,657
Total interest expense	$11,644,000	1,286
Net interest income	$7,898,000	2,159
Provision for loan and lease losses	$66,000	4,751
Total noninterest income	$2,026,000	1,771
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$2,026,000	1,099
Total noninterest expense	$8,021,000	1,719
Salaries and employee benefits	$4,631,000	1,627
Premises and equipment expense	$1,642,000	1,201
Additional noninterest expense	$1,748,000	2,270
Pre-tax net operating income	$1,837,000	3,011
Securities gains (losses)	$53,000	616
Applicable income taxes	$482,000	2,580
Income before extraordinary items	$1,408,000	3,111
Extraordinary gains, net	$0	33
Net income	$1,408,000	3,110
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	4,063
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,368,780	3,145
2007-06-30 (YTD Data)		Rank
Total interest income	$12,779,000	1,704
Total interest expense	$7,590,000	1,321
Net interest income	$5,189,000	2,215
Provision for loan and lease losses	$66,000	3,898
Total noninterest income	$1,320,000	1,821
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$1,320,000	1,152
Total noninterest expense	$5,258,000	1,756
Salaries and employee benefits	$3,014,000	1,700
Premises and equipment expense	$1,079,000	1,240
Additional noninterest expense	$1,165,000	2,281
Pre-tax net operating income	$1,185,000	3,147
Securities gains (losses)	$34,000	602
Applicable income taxes	$325,000	2,632
Income before extraordinary items	$894,000	3,262
Extraordinary gains, net	$0	29
Net income	$894,000	3,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	3,279
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$869,180	3,312
2007-03-31 (YTD Data)		Rank
Total interest income	$6,302,000	1,718
Total interest expense	$3,814,000	1,299
Net interest income	$2,488,000	2,306
Provision for loan and lease losses	$66,000	2,646
Total noninterest income	$625,000	1,883
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$625,000	1,157
Total noninterest expense	$2,659,000	1,742
Salaries and employee benefits	$1,535,000	1,696
Premises and equipment expense	$533,000	1,264
Additional noninterest expense	$591,000	2,222
Pre-tax net operating income	$388,000	4,069
Securities gains (losses)	$27,000	501
Applicable income taxes	$150,000	2,737
Income before extraordinary items	$265,000	4,435
Extraordinary gains, net	$0	22
Net income	$265,000	4,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,384
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$247,720	4,574
2006-12-31 (YTD Data)		Rank
Total interest income	$22,955,000	1,756
Total interest expense	$12,617,000	1,333
Net interest income	$10,338,000	2,233
Provision for loan and lease losses	$271,000	2,966
Total noninterest income	$2,462,000	1,903
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,462,000	1,147
Total noninterest expense	$10,765,000	1,654
Salaries and employee benefits	$6,131,000	1,604
Premises and equipment expense	$2,193,000	1,167
Additional noninterest expense	$2,441,000	2,147
Pre-tax net operating income	$1,764,000	3,938
Securities gains (losses)	$246,000	351
Applicable income taxes	$151,000	4,587
Income before extraordinary items	$1,859,000	3,262
Extraordinary gains, net	$0	51
Net income	$1,859,000	3,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,128
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,632,680	3,561
2006-09-30 (YTD Data)		Rank
Total interest income	$16,713,000	1,804
Total interest expense	$8,912,000	1,367
Net interest income	$7,801,000	2,241
Provision for loan and lease losses	$185,000	3,006
Total noninterest income	$1,790,000	1,962
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,790,000	1,190
Total noninterest expense	$8,071,000	1,657
Salaries and employee benefits	$4,599,000	1,616
Premises and equipment expense	$1,653,000	1,172
Additional noninterest expense	$1,819,000	2,144
Pre-tax net operating income	$1,335,000	4,041
Securities gains (losses)	$228,000	316
Applicable income taxes	$211,000	4,073
Income before extraordinary items	$1,352,000	3,430
Extraordinary gains, net	$0	45
Net income	$1,352,000	3,432
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	4,214
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,153,640	3,816
2006-06-30 (YTD Data)		Rank
Total interest income	$10,479,000	1,879
Total interest expense	$5,265,000	1,476
Net interest income	$5,214,000	2,246
Provision for loan and lease losses	$125,000	2,925
Total noninterest income	$1,126,000	2,042
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,126,000	1,253
Total noninterest expense	$5,400,000	1,656
Salaries and employee benefits	$3,051,000	1,624
Premises and equipment expense	$1,111,000	1,152
Additional noninterest expense	$1,238,000	2,109
Pre-tax net operating income	$815,000	4,293
Securities gains (losses)	$208,000	261
Applicable income taxes	$150,000	4,003
Income before extraordinary items	$873,000	3,527
Extraordinary gains, net	$0	39
Net income	$873,000	3,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	3,609
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$696,200	4,073
2006-03-31 (YTD Data)		Rank
Total interest income	$5,036,000	1,898
Total interest expense	$2,403,000	1,529
Net interest income	$2,633,000	2,215
Provision for loan and lease losses	$25,000	4,252
Total noninterest income	$519,000	2,143
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$519,000	1,313
Total noninterest expense	$2,663,000	1,682
Salaries and employee benefits	$1,443,000	1,712
Premises and equipment expense	$603,000	1,059
Additional noninterest expense	$617,000	2,103
Pre-tax net operating income	$464,000	3,916
Securities gains (losses)	$163,000	203
Applicable income taxes	$135,000	3,190
Income before extraordinary items	$492,000	3,203
Extraordinary gains, net	$0	21
Net income	$492,000	3,202
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	2,493
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$364,860	3,904
2005-12-31 (YTD Data)		Rank
Total interest income	$16,133,000	2,066
Total interest expense	$6,662,000	1,703
Net interest income	$9,471,000	2,332
Provision for loan and lease losses	$105,000	4,737
Total noninterest income	$1,470,000	2,721
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,470,000	1,692
Total noninterest expense	$8,331,000	2,006
Salaries and employee benefits	$4,872,000	1,903
Premises and equipment expense	$1,705,000	1,434
Additional noninterest expense	$1,754,000	2,825
Pre-tax net operating income	$2,505,000	3,155
Securities gains (losses)	$265,000	436
Applicable income taxes	$714,000	2,781
Income before extraordinary items	$2,056,000	3,033
Extraordinary gains, net	$0	46
Net income	$2,056,000	3,035
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,618
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,859,900	3,243
2005-09-30 (YTD Data)		Rank
Total interest income	$11,568,000	2,109
Total interest expense	$4,730,000	1,705
Net interest income	$6,838,000	2,395
Provision for loan and lease losses	$100,000	4,154
Total noninterest income	$933,000	3,052
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$933,000	1,908
Total noninterest expense	$5,805,000	2,130
Salaries and employee benefits	$3,443,000	1,974
Premises and equipment expense	$1,159,000	1,560
Additional noninterest expense	$1,203,000	3,035
Pre-tax net operating income	$1,866,000	3,214
Securities gains (losses)	$243,000	433
Applicable income taxes	$559,000	2,760
Income before extraordinary items	$1,550,000	3,047
Extraordinary gains, net	$0	35
Net income	$1,550,000	3,048
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,912
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,372,610	3,316
2005-06-30 (YTD Data)		Rank
Total interest income	$7,512,000	2,106
Total interest expense	$2,976,000	1,698
Net interest income	$4,536,000	2,379
Provision for loan and lease losses	$87,000	3,649
Total noninterest income	$574,000	3,205
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$574,000	1,993
Total noninterest expense	$3,775,000	2,170
Salaries and employee benefits	$2,219,000	2,039
Premises and equipment expense	$774,000	1,557
Additional noninterest expense	$782,000	3,074
Pre-tax net operating income	$1,248,000	3,151
Securities gains (losses)	$82,000	634
Applicable income taxes	$350,000	2,826
Income before extraordinary items	$980,000	3,140
Extraordinary gains, net	$0	30
Net income	$980,000	3,141
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	8,165
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$919,320	3,254
2005-03-31 (YTD Data)		Rank
Total interest income	$3,677,000	2,105
Total interest expense	$1,440,000	1,664
Net interest income	$2,237,000	2,396
Provision for loan and lease losses	$72,000	2,641
Total noninterest income	$268,000	3,313
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$268,000	2,041
Total noninterest expense	$1,845,000	2,248
Salaries and employee benefits	$1,115,000	2,050
Premises and equipment expense	$385,000	1,583
Additional noninterest expense	$345,000	3,406
Pre-tax net operating income	$588,000	3,274
Securities gains (losses)	$74,000	441
Applicable income taxes	$175,000	2,812
Income before extraordinary items	$487,000	3,106
Extraordinary gains, net	$0	24
Net income	$487,000	3,107
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	3,734
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$432,240	3,388
2004-12-31 (YTD Data)		Rank
Total interest income	$13,172,000	2,187
Total interest expense	$4,992,000	1,641
Net interest income	$8,180,000	2,497
Provision for loan and lease losses	$78,000	5,363
Total noninterest income	$1,043,000	3,445
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$329,000	4,105
Trading account gains and fees	$0	138
Additional Noninterest Income	$714,000	2,680
Total noninterest expense	$6,809,000	2,353
Salaries and employee benefits	$3,990,000	2,175
Premises and equipment expense	$818,000	2,732
Additional noninterest expense	$2,001,000	2,427
Pre-tax net operating income	$2,336,000	3,170
Securities gains (losses)	$62,000	1,572
Applicable income taxes	$674,000	2,830
Income before extraordinary items	$1,724,000	3,273
Extraordinary gains, net	$0	34
Net income	$1,724,000	3,271
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,099
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,679,360	3,283
2004-09-30 (YTD Data)		Rank
Total interest income	$9,556,000	2,219
Total interest expense	$3,574,000	1,690
Net interest income	$5,982,000	2,529
Provision for loan and lease losses	$53,000	5,328
Total noninterest income	$798,000	3,414
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$329,000	3,451
Trading account gains and fees	$0	134
Additional Noninterest Income	$469,000	2,909
Total noninterest expense	$5,009,000	2,380
Salaries and employee benefits	$2,923,000	2,217
Premises and equipment expense	$462,000	3,477
Additional noninterest expense	$1,624,000	2,226
Pre-tax net operating income	$1,718,000	3,263
Securities gains (losses)	$22,000	2,247
Applicable income taxes	$513,000	2,854
Income before extraordinary items	$1,227,000	3,487
Extraordinary gains, net	$0	26
Net income	$1,227,000	3,487
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	5,418
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,211,380	3,443
2004-06-30 (YTD Data)		Rank
Total interest income	$6,148,000	2,284
Total interest expense	$2,268,000	1,750
Net interest income	$3,880,000	2,559
Provision for loan and lease losses	$30,000	5,293
Total noninterest income	$537,000	3,409
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$215,000	3,478
Trading account gains and fees	$0	130
Additional Noninterest Income	$322,000	2,871
Total noninterest expense	$3,263,000	2,434
Salaries and employee benefits	$1,917,000	2,252
Premises and equipment expense	$296,000	3,593
Additional noninterest expense	$1,050,000	2,293
Pre-tax net operating income	$1,124,000	3,274
Securities gains (losses)	$22,000	1,980
Applicable income taxes	$344,000	2,835
Income before extraordinary items	$802,000	3,516
Extraordinary gains, net	$0	21
Net income	$802,000	3,516
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	3,762
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$786,600	3,473
2004-03-31 (YTD Data)		Rank
Total interest income	$3,066,000	2,287
Total interest expense	$1,133,000	1,776
Net interest income	$1,933,000	2,563
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$270,000	3,339
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$107,000	3,416
Trading account gains and fees	$0	121
Additional Noninterest Income	$163,000	2,793
Total noninterest expense	$1,606,000	2,489
Salaries and employee benefits	$963,000	2,267
Premises and equipment expense	$155,000	3,497
Additional noninterest expense	$488,000	2,422
Pre-tax net operating income	$582,000	3,156
Securities gains (losses)	$9,000	2,096
Applicable income taxes	$181,000	2,741
Income before extraordinary items	$410,000	3,437
Extraordinary gains, net	$0	16
Net income	$410,000	3,436
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	2,516
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$403,790	3,373
2003-12-31 (YTD Data)		Rank
Total interest income	$12,034,000	2,380
Total interest expense	$5,106,000	1,753
Net interest income	$6,928,000	2,777
Provision for loan and lease losses	$60,000	5,969
Total noninterest income	$1,226,000	3,254
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$403,000	3,630
Trading account gains and fees	$0	160
Additional Noninterest Income	$823,000	2,694
Total noninterest expense	$5,993,000	2,607
Salaries and employee benefits	$3,566,000	2,371
Premises and equipment expense	$579,000	3,631
Additional noninterest expense	$1,848,000	2,570
Pre-tax net operating income	$2,101,000	3,279
Securities gains (losses)	$-75,000	8,999
Applicable income taxes	$558,000	3,200
Income before extraordinary items	$1,468,000	3,611
Extraordinary gains, net	$0	54
Net income	$1,468,000	3,609
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,234
Cash dividends	$40,000	5,989
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,522,000	3,364
2003-09-30 (YTD Data)		Rank
Total interest income	$9,022,000	2,413
Total interest expense	$3,959,000	1,767
Net interest income	$5,063,000	2,860
Provision for loan and lease losses	$45,000	5,860
Total noninterest income	$946,000	3,247
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$294,000	3,696
Trading account gains and fees	$0	153
Additional Noninterest Income	$652,000	2,687
Total noninterest expense	$4,393,000	2,655
Salaries and employee benefits	$2,646,000	2,400
Premises and equipment expense	$428,000	3,661
Additional noninterest expense	$1,319,000	2,668
Pre-tax net operating income	$1,571,000	3,425
Securities gains (losses)	$-82,000	9,107
Applicable income taxes	$403,000	3,405
Income before extraordinary items	$1,086,000	3,787
Extraordinary gains, net	$0	40
Net income	$1,086,000	3,786
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	4,672
Cash dividends	$40,000	5,193
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,145,860	3,450
2003-06-30 (YTD Data)		Rank
Total interest income	$6,046,000	2,419
Total interest expense	$2,717,000	1,776
Net interest income	$3,329,000	2,900
Provision for loan and lease losses	$30,000	5,740
Total noninterest income	$641,000	3,196
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$190,000	3,743
Trading account gains and fees	$0	150
Additional Noninterest Income	$451,000	2,605
Total noninterest expense	$2,866,000	2,709
Salaries and employee benefits	$1,739,000	2,422
Premises and equipment expense	$292,000	3,586
Additional noninterest expense	$835,000	2,782
Pre-tax net operating income	$1,074,000	3,347
Securities gains (losses)	$-111,000	9,197
Applicable income taxes	$248,000	3,563
Income before extraordinary items	$715,000	3,799
Extraordinary gains, net	$0	30
Net income	$715,000	3,799
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	3,965
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$797,140	3,324
2003-03-31 (YTD Data)		Rank
Total interest income	$3,102,000	2,376
Total interest expense	$1,381,000	1,797
Net interest income	$1,721,000	2,807
Provision for loan and lease losses	$15,000	5,504
Total noninterest income	$318,000	3,114
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$87,000	3,880
Trading account gains and fees	$0	134
Additional Noninterest Income	$231,000	2,472
Total noninterest expense	$1,504,000	2,580
Salaries and employee benefits	$910,000	2,307
Premises and equipment expense	$149,000	3,507
Additional noninterest expense	$445,000	2,590
Pre-tax net operating income	$520,000	3,403
Securities gains (losses)	$0	2,891
Applicable income taxes	$163,000	3,077
Income before extraordinary items	$357,000	3,753
Extraordinary gains, net	$0	21
Net income	$357,000	3,751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,386
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$357,000	3,578
2002-12-31 (YTD Data)		Rank
Total interest income	$12,777,000	2,422
Total interest expense	$6,527,000	1,747
Net interest income	$6,250,000	3,038
Provision for loan and lease losses	$60,000	6,444
Total noninterest income	$982,000	3,524
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$348,000	3,883
Trading account gains and fees	$0	153
Additional Noninterest Income	$634,000	2,877
Total noninterest expense	$5,387,000	2,732
Salaries and employee benefits	$3,055,000	2,583
Premises and equipment expense	$528,000	3,783
Additional noninterest expense	$1,804,000	2,541
Pre-tax net operating income	$1,785,000	3,675
Securities gains (losses)	$-57,000	9,084
Applicable income taxes	$497,000	3,454
Income before extraordinary items	$1,231,000	4,010
Extraordinary gains, net	$0	70
Net income	$1,231,000	4,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,119
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,271,470	3,837
2001-12-31 (YTD Data)		Rank
Total interest income	$12,456,000	2,728
Total interest expense	$7,297,000	2,199
Net interest income	$5,159,000	3,356
Provision for loan and lease losses	$60,000	6,353
Total noninterest income	$826,000	3,768
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$283,000	4,314
Trading account gains and fees	$0	177
Additional Noninterest Income	$543,000	2,996
Total noninterest expense	$5,208,000	2,727
Salaries and employee benefits	$2,675,000	2,786
Premises and equipment expense	$562,000	3,551
Additional noninterest expense	$1,971,000	2,276
Pre-tax net operating income	$717,000	5,760
Securities gains (losses)	$84,000	1,894
Applicable income taxes	$149,000	5,456
Income before extraordinary items	$652,000	5,400
Extraordinary gains, net	$0	105
Net income	$652,000	5,404
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,531
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$583,960	5,565
2000-12-31 (YTD Data)		Rank
Total interest income	$11,645,000	2,967
Total interest expense	$6,796,000	2,474
Net interest income	$4,849,000	3,574
Provision for loan and lease losses	$60,000	6,179
Total noninterest income	$746,000	3,830
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$244,000	4,583
Trading account gains and fees	$0	180
Additional Noninterest Income	$502,000	2,939
Total noninterest expense	$4,854,000	2,795
Salaries and employee benefits	$2,190,000	3,203
Premises and equipment expense	$490,000	3,849
Additional noninterest expense	$2,174,000	2,001
Pre-tax net operating income	$681,000	6,302
Securities gains (losses)	$339,000	319
Applicable income taxes	$152,000	5,885
Income before extraordinary items	$868,000	4,795
Extraordinary gains, net	$-147,000	9,892
Net income	$721,000	5,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-36,000	9,537
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$579,850	5,958
1999-12-31 (YTD Data)		Rank
Total interest income	$9,877,000	3,253
Total interest expense	$5,354,000	2,734
Net interest income	$4,523,000	3,768
Provision for loan and lease losses	$90,000	5,432
Total noninterest income	$449,000	5,282
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$194,000	5,196
Trading account gains and fees	$0	173
Additional Noninterest Income	$255,000	4,389
Total noninterest expense	$3,409,000	3,782
Salaries and employee benefits	$1,789,000	3,763
Premises and equipment expense	$411,000	4,437
Additional noninterest expense	$1,209,000	3,410
Pre-tax net operating income	$1,473,000	4,154
Securities gains (losses)	$166,000	591
Applicable income taxes	$499,000	3,645
Income before extraordinary items	$1,140,000	4,027
Extraordinary gains, net	$0	35
Net income	$1,140,000	4,029
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	9,531
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,023,800	4,325
1998-12-31 (YTD Data)		Rank
Total interest income	$8,307,000	3,810
Total interest expense	$4,256,000	3,489
Net interest income	$4,051,000	4,079
Provision for loan and lease losses	$115,000	4,832
Total noninterest income	$460,000	5,183
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$166,000	5,666
Trading account gains and fees	$0	224
Additional Noninterest Income	$294,000	4,083
Total noninterest expense	$3,199,000	3,894
Salaries and employee benefits	$1,569,000	4,101
Premises and equipment expense	$376,000	4,640
Additional noninterest expense	$1,254,000	3,246
Pre-tax net operating income	$1,197,000	4,891
Securities gains (losses)	$1,000	4,151
Applicable income taxes	$372,000	4,610
Income before extraordinary items	$826,000	5,091
Extraordinary gains, net	$0	32
Net income	$826,000	5,091
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	3,631
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$825,310	5,008
1997-12-31 (YTD Data)		Rank
Total interest income	$8,279,000	3,853
Total interest expense	$4,158,000	3,533
Net interest income	$4,121,000	4,133
Provision for loan and lease losses	$319,000	2,475
Total noninterest income	$343,000	6,225
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$143,000	6,289
Trading account gains and fees	$0	239
Additional Noninterest Income	$200,000	4,953
Total noninterest expense	$2,805,000	4,327
Salaries and employee benefits	$1,519,000	4,206
Premises and equipment expense	$385,000	4,571
Additional noninterest expense	$901,000	4,307
Pre-tax net operating income	$1,340,000	4,862
Securities gains (losses)	$0	3,944
Applicable income taxes	$468,000	4,418
Income before extraordinary items	$872,000	5,163
Extraordinary gains, net	$0	44
Net income	$872,000	5,165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,544
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$872,000	5,108
1996-12-31 (YTD Data)		Rank
Total interest income	$7,920,000	4,079
Total interest expense	$4,233,000	3,520
Net interest income	$3,687,000	4,623
Provision for loan and lease losses	$130,000	4,417
Total noninterest income	$351,000	6,431
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$121,000	7,040
Trading account gains and fees	$0	262
Additional Noninterest Income	$230,000	4,788
Total noninterest expense	$2,830,000	4,506
Salaries and employee benefits	$1,454,000	4,440
Premises and equipment expense	$326,000	5,271
Additional noninterest expense	$1,050,000	4,233
Pre-tax net operating income	$1,078,000	5,488
Securities gains (losses)	$268,000	585
Applicable income taxes	$249,000	6,469
Income before extraordinary items	$1,097,000	4,162
Extraordinary gains, net	$0	53
Net income	$1,097,000	4,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	4,189
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$877,240	4,909
1995-12-31 (YTD Data)		Rank
Total interest income	$7,436,000	4,316
Total interest expense	$4,213,000	3,524
Net interest income	$3,223,000	5,199
Provision for loan and lease losses	$78,000	5,177
Total noninterest income	$200,000	8,426
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$116,000	7,402
Trading account gains and fees	$0	522
Additional Noninterest Income	$84,000	7,808
Total noninterest expense	$2,501,000	4,993
Salaries and employee benefits	$1,303,000	4,850
Premises and equipment expense	$262,000	6,168
Additional noninterest expense	$936,000	4,603
Pre-tax net operating income	$844,000	6,667
Securities gains (losses)	$0	3,831
Applicable income taxes	$267,000	6,412
Income before extraordinary items	$577,000	6,744
Extraordinary gains, net	$0	65
Net income	$577,000	6,743
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,152
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$577,000	6,732
1994-12-31 (YTD Data)		Rank
Total interest income	$6,968,000	4,233
Total interest expense	$3,280,000	3,661
Net interest income	$3,688,000	4,711
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$171,000	9,287
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$108,000	7,891
Trading account gains and fees	$0	475
Additional Noninterest Income	$63,000	8,968
Total noninterest expense	$2,364,000	5,411
Salaries and employee benefits	$1,184,000	5,305
Premises and equipment expense	$282,000	5,977
Additional noninterest expense	$898,000	5,175
Pre-tax net operating income	$1,435,000	4,580
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$514,000	3,976
Income before extraordinary items	$922,000	4,805
Extraordinary gains, net	$0	249
Net income	$922,000	4,812
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	10,519
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$921,360	4,867
1993-12-31 (YTD Data)		Rank
Total interest income	$7,622,000	3,993
Total interest expense	$3,422,000	3,675
Net interest income	$4,200,000	4,210
Provision for loan and lease losses	$160,000	4,468
Total noninterest income	$159,000	10,034
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$101,000	8,341
Trading account gains and fees	$0	532
Additional Noninterest Income	$58,000	9,638
Total noninterest expense	$2,208,000	5,849
Salaries and employee benefits	$1,085,000	5,721
Premises and equipment expense	$231,000	7,075
Additional noninterest expense	$892,000	5,410
Pre-tax net operating income	$1,991,000	3,329
Securities gains (losses)	$29,000	4,143
Applicable income taxes	$784,000	2,800
Income before extraordinary items	$1,236,000	3,899
Extraordinary gains, net	$-30,000	12,558
Net income	$1,206,000	4,103
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,000	4,663
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,217,440	3,757
1992-12-31 (YTD Data)		Rank
Total interest income	$8,538,000	4,049
Total interest expense	$4,308,000	3,806
Net interest income	$4,230,000	4,224
Provision for loan and lease losses	$88,000	7,660
Total noninterest income	$165,000	10,157
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$105,000	8,358
Trading account gains and fees	$0	504
Additional Noninterest Income	$60,000	9,797
Total noninterest expense	$2,175,000	5,981
Salaries and employee benefits	$1,065,000	5,719
Premises and equipment expense	$193,000	8,002
Additional noninterest expense	$917,000	5,435
Pre-tax net operating income	$2,132,000	2,923
Securities gains (losses)	$47,000	4,236
Applicable income taxes	$906,000	2,309
Income before extraordinary items	$1,273,000	3,611
Extraordinary gains, net	$0	1,422
Net income	$1,273,000	3,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-91,000	13,697
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,242,920	3,416

* 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.