Home > Riverview Bank > Income and Expense

Riverview Bank, Income and Expense

2021-09-30 (YTD Data)		Rank
Total interest income	$35,284,000	729
Total interest expense	$2,823,000	767
Net interest income	$32,461,000	730
Provision for loan and lease losses	$-735,000	4,592
Total noninterest income	$8,073,000	812
Gross Fiduciary activities income	$804,000	464
Service charges on deposit accounts	$1,640,000	501
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,629,000	838
Total noninterest expense	$26,584,000	733
Salaries and employee benefits	$14,472,000	766
Premises and equipment expense	$3,084,000	657
Additional noninterest expense	$9,028,000	654
Pre-tax net operating income	$14,685,000	784
Securities gains (losses)	$317,000	438
Applicable income taxes	$2,850,000	775
Income before extraordinary items	$12,152,000	793
Extraordinary gains, net	$0	8
Net income	$12,152,000	793
Minority interest net income	$0	69
Net income of bank and minority interests.	$12,152,000	793
Net charge-offs	$631,000	439
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$11,895,230	791
2021-06-30 (YTD Data)		Rank
Total interest income	$23,665,000	719
Total interest expense	$2,032,000	743
Net interest income	$21,633,000	716
Provision for loan and lease losses	$-735,000	4,649
Total noninterest income	$5,999,000	749
Gross Fiduciary activities income	$554,000	453
Service charges on deposit accounts	$1,064,000	495
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,381,000	758
Total noninterest expense	$17,964,000	721
Salaries and employee benefits	$9,961,000	744
Premises and equipment expense	$2,044,000	657
Additional noninterest expense	$5,959,000	644
Pre-tax net operating income	$10,403,000	733
Securities gains (losses)	$273,000	397
Applicable income taxes	$2,040,000	746
Income before extraordinary items	$8,636,000	745
Extraordinary gains, net	$0	6
Net income	$8,636,000	745
Minority interest net income	$0	67
Net income of bank and minority interests.	$8,636,000	745
Net charge-offs	$597,000	354
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$8,414,870	742
2021-03-31 (YTD Data)		Rank
Total interest income	$11,211,000	747
Total interest expense	$1,099,000	722
Net interest income	$10,112,000	749
Provision for loan and lease losses	$0	2,741
Total noninterest income	$2,331,000	900
Gross Fiduciary activities income	$260,000	465
Service charges on deposit accounts	$546,000	489
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,525,000	968
Total noninterest expense	$8,440,000	755
Salaries and employee benefits	$4,466,000	812
Premises and equipment expense	$1,190,000	573
Additional noninterest expense	$2,784,000	682
Pre-tax net operating income	$4,003,000	909
Securities gains (losses)	$246,000	295
Applicable income taxes	$792,000	857
Income before extraordinary items	$3,457,000	916
Extraordinary gains, net	$0	3
Net income	$3,457,000	916
Minority interest net income	$0	55
Net income of bank and minority interests.	$3,457,000	916
Net charge-offs	$60,000	766
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$3,257,740	926
2020-12-31 (YTD Data)		Rank
Total interest income	$46,201,000	732
Total interest expense	$6,014,000	797
Net interest income	$40,187,000	721
Provision for loan and lease losses	$6,282,000	484
Total noninterest income	$7,895,000	952
Gross Fiduciary activities income	$961,000	470
Service charges on deposit accounts	$2,451,000	452
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,483,000	1,102
Total noninterest expense	$62,576,000	417
Salaries and employee benefits	$20,207,000	710
Premises and equipment expense	$5,141,000	512
Additional noninterest expense	$37,228,000	257
Pre-tax net operating income	$-20,776,000	4,988
Securities gains (losses)	$815,000	432
Applicable income taxes	$466,000	1,998
Income before extraordinary items	$-20,427,000	4,981
Extraordinary gains, net	$0	4
Net income	$-20,427,000	4,981
Minority interest net income	$0	72
Net income of bank and minority interests.	$-20,427,000	4,981
Net charge-offs	$1,598,000	482
Cash dividends	$1,400,000	1,852
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$-21,242,000	4,980
2020-09-30 (YTD Data)		Rank
Total interest income	$34,030,000	735
Total interest expense	$4,770,000	810
Net interest income	$29,260,000	728
Provision for loan and lease losses	$5,656,000	460
Total noninterest income	$6,240,000	881
Gross Fiduciary activities income	$669,000	474
Service charges on deposit accounts	$1,814,000	451
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,757,000	986
Total noninterest expense	$53,026,000	367
Salaries and employee benefits	$15,453,000	681
Premises and equipment expense	$3,676,000	533
Additional noninterest expense	$33,897,000	218
Pre-tax net operating income	$-23,182,000	5,020
Securities gains (losses)	$815,000	353
Applicable income taxes	$51,000	3,072
Income before extraordinary items	$-22,418,000	5,014
Extraordinary gains, net	$0	4
Net income	$-22,418,000	5,014
Minority interest net income	$0	65
Net income of bank and minority interests.	$-22,418,000	5,014
Net charge-offs	$1,548,000	386
Cash dividends	$1,400,000	1,409
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$-23,233,000	5,012
2020-06-30 (YTD Data)		Rank
Total interest income	$22,065,000	761
Total interest expense	$3,357,000	827
Net interest income	$18,708,000	760
Provision for loan and lease losses	$3,812,000	482
Total noninterest income	$4,131,000	843
Gross Fiduciary activities income	$423,000	480
Service charges on deposit accounts	$1,232,000	439
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,476,000	928
Total noninterest expense	$43,140,000	313
Salaries and employee benefits	$10,041,000	697
Premises and equipment expense	$2,248,000	575
Additional noninterest expense	$30,851,000	186
Pre-tax net operating income	$-24,113,000	5,045
Securities gains (losses)	$815,000	259
Applicable income taxes	$-51,000	4,906
Income before extraordinary items	$-23,247,000	5,041
Extraordinary gains, net	$0	4
Net income	$-23,247,000	5,041
Minority interest net income	$0	65
Net income of bank and minority interests.	$-23,247,000	5,041
Net charge-offs	$1,592,000	299
Cash dividends	$1,400,000	1,055
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$-24,062,000	5,040
2020-03-31 (YTD Data)		Rank
Total interest income	$10,719,000	786
Total interest expense	$1,805,000	863
Net interest income	$8,914,000	779
Provision for loan and lease losses	$1,800,000	432
Total noninterest income	$2,132,000	776
Gross Fiduciary activities income	$213,000	484
Service charges on deposit accounts	$765,000	414
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,154,000	871
Total noninterest expense	$9,207,000	663
Salaries and employee benefits	$5,056,000	687
Premises and equipment expense	$1,180,000	562
Additional noninterest expense	$2,971,000	614
Pre-tax net operating income	$39,000	4,581
Securities gains (losses)	$815,000	123
Applicable income taxes	$91,000	2,018
Income before extraordinary items	$763,000	2,048
Extraordinary gains, net	$0	4
Net income	$763,000	2,047
Minority interest net income	$0	56
Net income of bank and minority interests.	$763,000	2,048
Net charge-offs	$1,065,000	235
Cash dividends	$701,000	1,036
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$37,650	4,565
2019-12-31 (YTD Data)		Rank
Total interest income	$49,645,000	695
Total interest expense	$8,086,000	823
Net interest income	$41,559,000	670
Provision for loan and lease losses	$2,406,000	459
Total noninterest income	$8,515,000	774
Gross Fiduciary activities income	$1,080,000	441
Service charges on deposit accounts	$2,711,000	471
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,724,000	864
Total noninterest expense	$41,887,000	560
Salaries and employee benefits	$23,845,000	557
Premises and equipment expense	$4,357,000	583
Additional noninterest expense	$13,685,000	530
Pre-tax net operating income	$5,781,000	1,580
Securities gains (losses)	$-22,000	4,912
Applicable income taxes	$856,000	1,552
Income before extraordinary items	$4,903,000	1,628
Extraordinary gains, net	$0	11
Net income	$4,903,000	1,630
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,903,000	1,630
Net charge-offs	$1,238,000	571
Cash dividends	$3,220,000	1,128
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,921,700	1,580
2019-09-30 (YTD Data)		Rank
Total interest income	$38,343,000	677
Total interest expense	$6,200,000	803
Net interest income	$32,143,000	648
Provision for loan and lease losses	$2,250,000	367
Total noninterest income	$6,030,000	808
Gross Fiduciary activities income	$855,000	437
Service charges on deposit accounts	$1,904,000	497
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,271,000	901
Total noninterest expense	$31,763,000	548
Salaries and employee benefits	$18,572,000	533
Premises and equipment expense	$3,175,000	599
Additional noninterest expense	$10,016,000	539
Pre-tax net operating income	$4,160,000	1,670
Securities gains (losses)	$-95,000	5,163
Applicable income taxes	$581,000	1,675
Income before extraordinary items	$3,484,000	1,723
Extraordinary gains, net	$0	11
Net income	$3,484,000	1,724
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,484,000	1,724
Net charge-offs	$1,501,000	375
Cash dividends	$2,520,000	1,001
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,565,700	1,655
2019-06-30 (YTD Data)		Rank
Total interest income	$24,903,000	695
Total interest expense	$4,172,000	786
Net interest income	$20,731,000	673
Provision for loan and lease losses	$1,201,000	412
Total noninterest income	$3,984,000	796
Gross Fiduciary activities income	$541,000	443
Service charges on deposit accounts	$1,233,000	508
Trading account gains and fees	$0	131
Additional Noninterest Income	$2,210,000	860
Total noninterest expense	$22,339,000	517
Salaries and employee benefits	$13,341,000	479
Premises and equipment expense	$2,133,000	596
Additional noninterest expense	$6,865,000	530
Pre-tax net operating income	$1,175,000	2,881
Securities gains (losses)	$-42,000	5,136
Applicable income taxes	$57,000	3,029
Income before extraordinary items	$1,076,000	2,850
Extraordinary gains, net	$0	11
Net income	$1,076,000	2,849
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,076,000	2,849
Net charge-offs	$547,000	541
Cash dividends	$1,830,000	946
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,115,900	2,767
2019-03-31 (YTD Data)		Rank
Total interest income	$11,984,000	720
Total interest expense	$2,073,000	779
Net interest income	$9,911,000	696
Provision for loan and lease losses	$583,000	425
Total noninterest income	$1,744,000	855
Gross Fiduciary activities income	$260,000	450
Service charges on deposit accounts	$612,000	500
Trading account gains and fees	$0	126
Additional Noninterest Income	$872,000	991
Total noninterest expense	$11,837,000	488
Salaries and employee benefits	$7,509,000	435
Premises and equipment expense	$1,089,000	587
Additional noninterest expense	$3,239,000	546
Pre-tax net operating income	$-765,000	5,332
Securities gains (losses)	$-42,000	5,244
Applicable income taxes	$-260,000	5,328
Income before extraordinary items	$-547,000	5,311
Extraordinary gains, net	$0	5
Net income	$-547,000	5,310
Minority interest net income	$0	52
Net income of bank and minority interests.	$-547,000	5,310
Net charge-offs	$445,000	360
Cash dividends	$915,000	897
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$-513,820	5,311
2018-12-31 (YTD Data)		Rank
Total interest income	$51,959,000	622
Total interest expense	$7,218,000	688
Net interest income	$44,741,000	613
Provision for loan and lease losses	$615,000	1,260
Total noninterest income	$8,777,000	749
Gross Fiduciary activities income	$915,000	481
Service charges on deposit accounts	$2,299,000	554
Trading account gains and fees	$0	126
Additional Noninterest Income	$5,563,000	749
Total noninterest expense	$38,803,000	581
Salaries and employee benefits	$22,064,000	568
Premises and equipment expense	$4,153,000	605
Additional noninterest expense	$12,586,000	559
Pre-tax net operating income	$14,100,000	790
Securities gains (losses)	$41,000	455
Applicable income taxes	$2,561,000	737
Income before extraordinary items	$11,580,000	813
Extraordinary gains, net	$0	6
Net income	$11,580,000	811
Minority interest net income	$0	72
Net income of bank and minority interests.	$11,580,000	812
Net charge-offs	$573,000	872
Cash dividends	$9,229,000	454
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$11,546,380	813
2018-09-30 (YTD Data)		Rank
Total interest income	$38,419,000	622
Total interest expense	$5,192,000	673
Net interest income	$33,227,000	617
Provision for loan and lease losses	$615,000	970
Total noninterest income	$6,451,000	775
Gross Fiduciary activities income	$671,000	480
Service charges on deposit accounts	$1,669,000	570
Trading account gains and fees	$0	138
Additional Noninterest Income	$4,111,000	764
Total noninterest expense	$28,161,000	602
Salaries and employee benefits	$15,575,000	604
Premises and equipment expense	$3,142,000	601
Additional noninterest expense	$9,444,000	548
Pre-tax net operating income	$10,902,000	758
Securities gains (losses)	$40,000	457
Applicable income taxes	$2,007,000	728
Income before extraordinary items	$8,935,000	791
Extraordinary gains, net	$0	5
Net income	$8,935,000	790
Minority interest net income	$0	66
Net income of bank and minority interests.	$8,935,000	790
Net charge-offs	$449,000	757
Cash dividends	$1,819,000	1,156
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$8,902,200	791
2018-06-30 (YTD Data)		Rank
Total interest income	$25,404,000	619
Total interest expense	$3,307,000	662
Net interest income	$22,097,000	605
Provision for loan and lease losses	$390,000	998
Total noninterest income	$4,413,000	761
Gross Fiduciary activities income	$445,000	476
Service charges on deposit accounts	$1,061,000	596
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,907,000	735
Total noninterest expense	$18,950,000	591
Salaries and employee benefits	$10,543,000	596
Premises and equipment expense	$2,134,000	594
Additional noninterest expense	$6,273,000	551
Pre-tax net operating income	$7,170,000	762
Securities gains (losses)	$41,000	362
Applicable income taxes	$1,320,000	719
Income before extraordinary items	$5,891,000	782
Extraordinary gains, net	$0	6
Net income	$5,891,000	781
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,891,000	781
Net charge-offs	$295,000	739
Cash dividends	$909,000	1,403
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$5,857,380	784
2018-03-31 (YTD Data)		Rank
Total interest income	$13,200,000	581
Total interest expense	$1,585,000	651
Net interest income	$11,615,000	572
Provision for loan and lease losses	$390,000	565
Total noninterest income	$1,916,000	812
Gross Fiduciary activities income	$210,000	500
Service charges on deposit accounts	$541,000	587
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,165,000	824
Total noninterest expense	$9,529,000	586
Salaries and employee benefits	$5,322,000	599
Premises and equipment expense	$1,122,000	567
Additional noninterest expense	$3,085,000	557
Pre-tax net operating income	$3,612,000	735
Securities gains (losses)	$0	735
Applicable income taxes	$661,000	699
Income before extraordinary items	$2,951,000	761
Extraordinary gains, net	$0	7
Net income	$2,951,000	761
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,951,000	761
Net charge-offs	$181,000	611
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$2,951,000	756
2017-12-31 (YTD Data)		Rank
Total interest income	$29,649,000	970
Total interest expense	$3,740,000	884
Net interest income	$25,909,000	972
Provision for loan and lease losses	$2,734,000	395
Total noninterest income	$4,145,000	1,252
Gross Fiduciary activities income	$344,000	646
Service charges on deposit accounts	$1,029,000	1,161
Trading account gains and fees	$0	151
Additional Noninterest Income	$2,772,000	1,231
Total noninterest expense	$28,419,000	768
Salaries and employee benefits	$15,196,000	806
Premises and equipment expense	$3,270,000	761
Additional noninterest expense	$9,953,000	683
Pre-tax net operating income	$-1,099,000	5,614
Securities gains (losses)	$89,000	663
Applicable income taxes	$3,919,000	789
Income before extraordinary items	$-4,929,000	5,648
Extraordinary gains, net	$0	9
Net income	$-4,929,000	5,648
Minority interest net income	$0	76
Net income of bank and minority interests.	$-4,929,000	5,648
Net charge-offs	$160,000	2,017
Cash dividends	$2,090,000	1,372
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$-5,018,000	5,647
2017-09-30 (YTD Data)		Rank
Total interest income	$17,239,000	1,198
Total interest expense	$2,241,000	1,070
Net interest income	$14,998,000	1,216
Provision for loan and lease losses	$1,734,000	463
Total noninterest income	$2,157,000	1,656
Gross Fiduciary activities income	$92,000	760
Service charges on deposit accounts	$429,000	1,853
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,636,000	1,462
Total noninterest expense	$15,248,000	1,041
Salaries and employee benefits	$8,521,000	1,057
Premises and equipment expense	$1,895,000	962
Additional noninterest expense	$4,832,000	1,003
Pre-tax net operating income	$173,000	5,227
Securities gains (losses)	$106,000	578
Applicable income taxes	$119,000	3,073
Income before extraordinary items	$160,000	5,222
Extraordinary gains, net	$0	9
Net income	$160,000	5,221
Minority interest net income	$0	71
Net income of bank and minority interests.	$160,000	5,222
Net charge-offs	$62,000	2,292
Cash dividends	$1,340,000	1,414
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$92,160	5,351
2017-06-30 (YTD Data)		Rank
Total interest income	$10,797,000	1,259
Total interest expense	$1,307,000	1,162
Net interest income	$9,490,000	1,274
Provision for loan and lease losses	$1,124,000	465
Total noninterest income	$1,366,000	1,688
Gross Fiduciary activities income	$61,000	769
Service charges on deposit accounts	$285,000	1,849
Trading account gains and fees	$0	139
Additional Noninterest Income	$1,020,000	1,516
Total noninterest expense	$10,063,000	1,058
Salaries and employee benefits	$5,592,000	1,074
Premises and equipment expense	$1,280,000	951
Additional noninterest expense	$3,191,000	1,013
Pre-tax net operating income	$-331,000	5,700
Securities gains (losses)	$63,000	572
Applicable income taxes	$24,000	3,570
Income before extraordinary items	$-292,000	5,687
Extraordinary gains, net	$0	11
Net income	$-292,000	5,687
Minority interest net income	$0	71
Net income of bank and minority interests.	$-292,000	5,687
Net charge-offs	$22,000	2,525
Cash dividends	$669,000	1,693
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$-355,000	5,698
2017-03-31 (YTD Data)		Rank
Total interest income	$5,057,000	1,321
Total interest expense	$565,000	1,326
Net interest income	$4,492,000	1,319
Provision for loan and lease losses	$605,000	392
Total noninterest income	$756,000	1,583
Gross Fiduciary activities income	$30,000	778
Service charges on deposit accounts	$147,000	1,785
Trading account gains and fees	$0	142
Additional Noninterest Income	$579,000	1,391
Total noninterest expense	$5,150,000	1,049
Salaries and employee benefits	$2,836,000	1,067
Premises and equipment expense	$646,000	952
Additional noninterest expense	$1,668,000	963
Pre-tax net operating income	$-507,000	5,810
Securities gains (losses)	$-1,000	5,454
Applicable income taxes	$10,000	3,599
Income before extraordinary items	$-518,000	5,809
Extraordinary gains, net	$0	8
Net income	$-518,000	5,809
Minority interest net income	$0	55
Net income of bank and minority interests.	$-518,000	5,809
Net charge-offs	$8,000	2,285
Cash dividends	$669,000	985
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$-517,000	5,809
2016-12-31 (YTD Data)		Rank
Total interest income	$20,388,000	1,279
Total interest expense	$1,920,000	1,468
Net interest income	$18,468,000	1,253
Provision for loan and lease losses	$453,000	1,575
Total noninterest income	$2,904,000	1,683
Gross Fiduciary activities income	$118,000	794
Service charges on deposit accounts	$552,000	1,923
Trading account gains and fees	$0	170
Additional Noninterest Income	$2,234,000	1,488
Total noninterest expense	$17,105,000	1,192
Salaries and employee benefits	$9,262,000	1,221
Premises and equipment expense	$2,165,000	1,098
Additional noninterest expense	$5,678,000	1,144
Pre-tax net operating income	$3,814,000	1,999
Securities gains (losses)	$484,000	444
Applicable income taxes	$1,053,000	1,589
Income before extraordinary items	$3,245,000	1,962
Extraordinary gains, net	$0	5
Net income	$3,245,000	1,961
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,245,000	1,961
Net charge-offs	$1,086,000	616
Cash dividends	$1,330,000	1,838
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,877,160	2,115
2016-09-30 (YTD Data)		Rank
Total interest income	$15,370,000	1,282
Total interest expense	$1,465,000	1,447
Net interest income	$13,905,000	1,258
Provision for loan and lease losses	$284,000	1,687
Total noninterest income	$2,072,000	1,736
Gross Fiduciary activities income	$88,000	781
Service charges on deposit accounts	$406,000	1,960
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,578,000	1,540
Total noninterest expense	$12,567,000	1,216
Salaries and employee benefits	$6,611,000	1,274
Premises and equipment expense	$1,617,000	1,100
Additional noninterest expense	$4,339,000	1,132
Pre-tax net operating income	$3,126,000	1,904
Securities gains (losses)	$484,000	399
Applicable income taxes	$903,000	1,510
Income before extraordinary items	$2,707,000	1,828
Extraordinary gains, net	$0	5
Net income	$2,707,000	1,828
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,707,000	1,828
Net charge-offs	$1,012,000	479
Cash dividends	$886,000	1,793
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,344,000	1,990
2016-06-30 (YTD Data)		Rank
Total interest income	$10,075,000	1,302
Total interest expense	$1,005,000	1,418
Net interest income	$9,070,000	1,287
Provision for loan and lease losses	$255,000	1,392
Total noninterest income	$1,259,000	1,837
Gross Fiduciary activities income	$54,000	806
Service charges on deposit accounts	$256,000	2,032
Trading account gains and fees	$0	157
Additional Noninterest Income	$949,000	1,612
Total noninterest expense	$8,297,000	1,226
Salaries and employee benefits	$4,277,000	1,308
Premises and equipment expense	$1,079,000	1,101
Additional noninterest expense	$2,941,000	1,116
Pre-tax net operating income	$1,777,000	2,121
Securities gains (losses)	$332,000	397
Applicable income taxes	$424,000	1,828
Income before extraordinary items	$1,685,000	1,913
Extraordinary gains, net	$0	16
Net income	$1,685,000	1,912
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,685,000	1,912
Net charge-offs	$1,011,000	354
Cash dividends	$442,000	2,142
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,419,400	2,149
2016-03-31 (YTD Data)		Rank
Total interest income	$5,096,000	1,287
Total interest expense	$520,000	1,366
Net interest income	$4,576,000	1,268
Provision for loan and lease losses	$99,000	1,546
Total noninterest income	$619,000	1,803
Gross Fiduciary activities income	$19,000	847
Service charges on deposit accounts	$117,000	2,168
Trading account gains and fees	$0	142
Additional Noninterest Income	$483,000	1,544
Total noninterest expense	$4,122,000	1,234
Salaries and employee benefits	$2,152,000	1,305
Premises and equipment expense	$553,000	1,077
Additional noninterest expense	$1,417,000	1,142
Pre-tax net operating income	$974,000	1,958
Securities gains (losses)	$-2,000	5,868
Applicable income taxes	$174,000	1,966
Income before extraordinary items	$798,000	1,992
Extraordinary gains, net	$0	12
Net income	$798,000	1,992
Minority interest net income	$0	62
Net income of bank and minority interests.	$798,000	1,992
Net charge-offs	$747,000	256
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$799,640	1,940
2015-12-31 (YTD Data)		Rank
Total interest income	$17,209,000	1,442
Total interest expense	$1,846,000	1,489
Net interest income	$15,363,000	1,440
Provision for loan and lease losses	$1,472,000	580
Total noninterest income	$2,115,000	2,043
Gross Fiduciary activities income	$85,000	843
Service charges on deposit accounts	$471,000	2,241
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,559,000	1,808
Total noninterest expense	$17,812,000	1,129
Salaries and employee benefits	$10,000,000	1,124
Premises and equipment expense	$2,700,000	909
Additional noninterest expense	$5,112,000	1,244
Pre-tax net operating income	$-1,806,000	6,132
Securities gains (losses)	$-17,000	5,925
Applicable income taxes	$-1,123,000	6,106
Income before extraordinary items	$-700,000	6,070
Extraordinary gains, net	$0	23
Net income	$-700,000	6,070
Minority interest net income	$0	81
Net income of bank and minority interests.	$-700,000	6,070
Net charge-offs	$899,000	747
Cash dividends	$745,000	2,487
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$-689,120	6,066
2015-09-30 (YTD Data)		Rank
Total interest income	$12,742,000	1,463
Total interest expense	$1,419,000	1,473
Net interest income	$11,323,000	1,470
Provision for loan and lease losses	$450,000	1,115
Total noninterest income	$1,684,000	1,976
Gross Fiduciary activities income	$65,000	846
Service charges on deposit accounts	$353,000	2,249
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,266,000	1,726
Total noninterest expense	$13,567,000	1,126
Salaries and employee benefits	$7,636,000	1,106
Premises and equipment expense	$2,135,000	877
Additional noninterest expense	$3,796,000	1,263
Pre-tax net operating income	$-1,010,000	6,205
Securities gains (losses)	$-30,000	6,102
Applicable income taxes	$-730,000	6,225
Income before extraordinary items	$-310,000	6,132
Extraordinary gains, net	$0	21
Net income	$-310,000	6,132
Minority interest net income	$0	78
Net income of bank and minority interests.	$-310,000	6,132
Net charge-offs	$248,000	1,354
Cash dividends	$745,000	1,913
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$-290,800	6,116
2015-06-30 (YTD Data)		Rank
Total interest income	$8,451,000	1,472
Total interest expense	$976,000	1,433
Net interest income	$7,475,000	1,487
Provision for loan and lease losses	$450,000	841
Total noninterest income	$1,110,000	1,997
Gross Fiduciary activities income	$43,000	860
Service charges on deposit accounts	$233,000	2,231
Trading account gains and fees	$0	157
Additional Noninterest Income	$834,000	1,758
Total noninterest expense	$9,917,000	1,052
Salaries and employee benefits	$5,871,000	968
Premises and equipment expense	$1,341,000	921
Additional noninterest expense	$2,705,000	1,182
Pre-tax net operating income	$-1,782,000	6,314
Securities gains (losses)	$-41,000	6,233
Applicable income taxes	$-878,000	6,319
Income before extraordinary items	$-945,000	6,287
Extraordinary gains, net	$0	22
Net income	$-945,000	6,287
Minority interest net income	$0	75
Net income of bank and minority interests.	$-945,000	6,287
Net charge-offs	$97,000	1,760
Cash dividends	$745,000	1,533
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$-918,760	6,284
2015-03-31 (YTD Data)		Rank
Total interest income	$4,222,000	1,478
Total interest expense	$491,000	1,427
Net interest income	$3,731,000	1,486
Provision for loan and lease losses	$0	3,703
Total noninterest income	$550,000	1,990
Gross Fiduciary activities income	$22,000	857
Service charges on deposit accounts	$119,000	2,179
Trading account gains and fees	$0	152
Additional Noninterest Income	$409,000	1,749
Total noninterest expense	$3,858,000	1,295
Salaries and employee benefits	$2,078,000	1,328
Premises and equipment expense	$598,000	1,019
Additional noninterest expense	$1,182,000	1,316
Pre-tax net operating income	$423,000	3,295
Securities gains (losses)	$-2,000	6,101
Applicable income taxes	$35,000	3,243
Income before extraordinary items	$386,000	3,193
Extraordinary gains, net	$0	13
Net income	$386,000	3,196
Minority interest net income	$0	64
Net income of bank and minority interests.	$386,000	3,196
Net charge-offs	$57,000	1,460
Cash dividends	$372,000	1,365
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$387,840	3,108
2014-12-31 (YTD Data)		Rank
Total interest income	$17,770,000	1,420
Total interest expense	$2,022,000	1,461
Net interest income	$15,748,000	1,412
Provision for loan and lease losses	$526,000	1,414
Total noninterest income	$2,316,000	1,908
Gross Fiduciary activities income	$99,000	854
Service charges on deposit accounts	$533,000	2,179
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,684,000	1,655
Total noninterest expense	$14,452,000	1,346
Salaries and employee benefits	$7,599,000	1,389
Premises and equipment expense	$1,986,000	1,204
Additional noninterest expense	$4,867,000	1,330
Pre-tax net operating income	$3,086,000	2,229
Securities gains (losses)	$464,000	423
Applicable income taxes	$727,000	1,855
Income before extraordinary items	$2,823,000	2,118
Extraordinary gains, net	$0	17
Net income	$2,823,000	2,118
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,823,000	2,117
Net charge-offs	$397,000	1,734
Cash dividends	$1,364,000	1,678
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,451,800	2,295
2014-09-30 (YTD Data)		Rank
Total interest income	$13,570,000	1,403
Total interest expense	$1,524,000	1,477
Net interest income	$12,046,000	1,393
Provision for loan and lease losses	$126,000	2,565
Total noninterest income	$1,727,000	1,924
Gross Fiduciary activities income	$77,000	849
Service charges on deposit accounts	$403,000	2,178
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,247,000	1,668
Total noninterest expense	$10,763,000	1,369
Salaries and employee benefits	$5,636,000	1,415
Premises and equipment expense	$1,493,000	1,206
Additional noninterest expense	$3,634,000	1,328
Pre-tax net operating income	$2,884,000	1,919
Securities gains (losses)	$182,000	673
Applicable income taxes	$771,000	1,548
Income before extraordinary items	$2,295,000	1,988
Extraordinary gains, net	$0	15
Net income	$2,295,000	1,987
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,295,000	1,986
Net charge-offs	$288,000	1,643
Cash dividends	$978,000	1,559
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,158,500	2,050
2014-06-30 (YTD Data)		Rank
Total interest income	$9,238,000	1,373
Total interest expense	$1,046,000	1,428
Net interest income	$8,192,000	1,357
Provision for loan and lease losses	$0	4,196
Total noninterest income	$1,152,000	1,902
Gross Fiduciary activities income	$55,000	851
Service charges on deposit accounts	$267,000	2,155
Trading account gains and fees	$0	172
Additional Noninterest Income	$830,000	1,661
Total noninterest expense	$7,204,000	1,359
Salaries and employee benefits	$3,769,000	1,399
Premises and equipment expense	$1,003,000	1,215
Additional noninterest expense	$2,432,000	1,326
Pre-tax net operating income	$2,140,000	1,719
Securities gains (losses)	$47,000	1,201
Applicable income taxes	$577,000	1,398
Income before extraordinary items	$1,610,000	1,864
Extraordinary gains, net	$0	20
Net income	$1,610,000	1,868
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,610,000	1,867
Net charge-offs	$308,000	1,237
Cash dividends	$583,000	1,678
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,575,220	1,854
2014-03-31 (YTD Data)		Rank
Total interest income	$4,404,000	1,441
Total interest expense	$546,000	1,390
Net interest income	$3,858,000	1,431
Provision for loan and lease losses	$0	3,817
Total noninterest income	$824,000	1,427
Gross Fiduciary activities income	$37,000	822
Service charges on deposit accounts	$126,000	2,223
Trading account gains and fees	$0	147
Additional Noninterest Income	$661,000	1,166
Total noninterest expense	$3,330,000	1,456
Salaries and employee benefits	$1,810,000	1,457
Premises and equipment expense	$536,000	1,157
Additional noninterest expense	$984,000	1,573
Pre-tax net operating income	$1,352,000	1,376
Securities gains (losses)	$0	1,715
Applicable income taxes	$311,000	1,318
Income before extraordinary items	$1,041,000	1,444
Extraordinary gains, net	$0	16
Net income	$1,041,000	1,447
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,041,000	1,446
Net charge-offs	$53,000	1,827
Cash dividends	$177,000	1,863
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,041,000	1,422
2013-12-31 (YTD Data)		Rank
Total interest income	$13,607,000	1,833
Total interest expense	$2,336,000	1,457
Net interest income	$11,271,000	1,891
Provision for loan and lease losses	$640,000	1,569
Total noninterest income	$1,853,000	2,269
Gross Fiduciary activities income	$26,000	1,018
Service charges on deposit accounts	$399,000	2,815
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,428,000	1,913
Total noninterest expense	$11,269,000	1,705
Salaries and employee benefits	$6,123,000	1,668
Premises and equipment expense	$1,542,000	1,539
Additional noninterest expense	$3,604,000	1,763
Pre-tax net operating income	$1,215,000	3,756
Securities gains (losses)	$117,000	1,209
Applicable income taxes	$-250,000	6,574
Income before extraordinary items	$1,582,000	3,057
Extraordinary gains, net	$0	29
Net income	$1,582,000	3,059
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,582,000	3,060
Net charge-offs	$713,000	1,622
Cash dividends	$1,227,000	1,675
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,465,000	3,141
2013-09-30 (YTD Data)		Rank
Total interest income	$9,663,000	1,942
Total interest expense	$1,802,000	1,459
Net interest income	$7,861,000	2,016
Provision for loan and lease losses	$47,000	3,996
Total noninterest income	$1,353,000	2,341
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$249,000	3,192
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,104,000	1,916
Total noninterest expense	$7,159,000	1,979
Salaries and employee benefits	$3,814,000	2,021
Premises and equipment expense	$1,117,000	1,587
Additional noninterest expense	$2,228,000	2,091
Pre-tax net operating income	$2,008,000	2,412
Securities gains (losses)	$119,000	1,103
Applicable income taxes	$516,000	1,885
Income before extraordinary items	$1,611,000	2,518
Extraordinary gains, net	$0	25
Net income	$1,611,000	2,523
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,611,000	2,523
Net charge-offs	$227,000	2,435
Cash dividends	$726,000	1,752
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,520,560	2,557
2013-06-30 (YTD Data)		Rank
Total interest income	$6,394,000	1,950
Total interest expense	$1,271,000	1,414
Net interest income	$5,123,000	2,047
Provision for loan and lease losses	$0	4,788
Total noninterest income	$979,000	2,251
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$155,000	3,292
Trading account gains and fees	$0	157
Additional Noninterest Income	$824,000	1,819
Total noninterest expense	$4,768,000	1,989
Salaries and employee benefits	$2,521,000	2,039
Premises and equipment expense	$758,000	1,580
Additional noninterest expense	$1,489,000	2,070
Pre-tax net operating income	$1,334,000	2,404
Securities gains (losses)	$119,000	1,001
Applicable income taxes	$354,000	1,861
Income before extraordinary items	$1,099,000	2,439
Extraordinary gains, net	$0	22
Net income	$1,099,000	2,446
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,099,000	2,445
Net charge-offs	$-37,000	6,477
Cash dividends	$484,000	1,740
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,008,560	2,526
2013-03-31 (YTD Data)		Rank
Total interest income	$3,203,000	1,958
Total interest expense	$679,000	1,370
Net interest income	$2,524,000	2,085
Provision for loan and lease losses	$0	4,409
Total noninterest income	$403,000	2,543
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$67,000	3,545
Trading account gains and fees	$0	148
Additional Noninterest Income	$336,000	2,073
Total noninterest expense	$2,382,000	2,007
Salaries and employee benefits	$1,262,000	2,060
Premises and equipment expense	$389,000	1,561
Additional noninterest expense	$731,000	2,125
Pre-tax net operating income	$545,000	2,717
Securities gains (losses)	$119,000	625
Applicable income taxes	$153,000	1,970
Income before extraordinary items	$511,000	2,541
Extraordinary gains, net	$0	10
Net income	$511,000	2,544
Minority interest net income	$0	76
Net income of bank and minority interests.	$511,000	2,543
Net charge-offs	$-9,000	6,154
Cash dividends	$242,000	1,511
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$419,370	2,859
2012-12-31 (YTD Data)		Rank
Total interest income	$13,016,000	2,020
Total interest expense	$3,095,000	1,436
Net interest income	$9,921,000	2,168
Provision for loan and lease losses	$1,140,000	1,631
Total noninterest income	$1,580,000	2,526
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$350,000	3,181
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,230,000	2,107
Total noninterest expense	$9,066,000	2,114
Salaries and employee benefits	$4,870,000	2,054
Premises and equipment expense	$1,437,000	1,635
Additional noninterest expense	$2,759,000	2,352
Pre-tax net operating income	$1,295,000	3,585
Securities gains (losses)	$770,000	675
Applicable income taxes	$318,000	2,606
Income before extraordinary items	$1,747,000	2,852
Extraordinary gains, net	$0	29
Net income	$1,747,000	2,855
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,747,000	2,854
Net charge-offs	$827,000	2,020
Cash dividends	$1,020,000	1,911
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,092,500	3,565
2012-09-30 (YTD Data)		Rank
Total interest income	$9,660,000	2,074
Total interest expense	$2,394,000	1,459
Net interest income	$7,266,000	2,253
Provision for loan and lease losses	$510,000	2,240
Total noninterest income	$1,007,000	2,782
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$255,000	3,290
Trading account gains and fees	$0	157
Additional Noninterest Income	$752,000	2,356
Total noninterest expense	$6,568,000	2,185
Salaries and employee benefits	$3,568,000	2,098
Premises and equipment expense	$1,058,000	1,681
Additional noninterest expense	$1,942,000	2,480
Pre-tax net operating income	$1,195,000	3,328
Securities gains (losses)	$770,000	530
Applicable income taxes	$401,000	2,165
Income before extraordinary items	$1,564,000	2,564
Extraordinary gains, net	$0	20
Net income	$1,564,000	2,564
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,564,000	2,565
Net charge-offs	$614,000	1,955
Cash dividends	$707,000	1,664
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$948,000	3,376
2012-06-30 (YTD Data)		Rank
Total interest income	$6,389,000	2,099
Total interest expense	$1,606,000	1,505
Net interest income	$4,783,000	2,280
Provision for loan and lease losses	$85,000	4,069
Total noninterest income	$564,000	3,030
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$160,000	3,390
Trading account gains and fees	$0	153
Additional Noninterest Income	$404,000	2,635
Total noninterest expense	$4,284,000	2,234
Salaries and employee benefits	$2,310,000	2,149
Premises and equipment expense	$689,000	1,715
Additional noninterest expense	$1,285,000	2,514
Pre-tax net operating income	$978,000	2,895
Securities gains (losses)	$770,000	363
Applicable income taxes	$416,000	1,679
Income before extraordinary items	$1,332,000	2,084
Extraordinary gains, net	$0	19
Net income	$1,332,000	2,083
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,332,000	2,084
Net charge-offs	$608,000	1,587
Cash dividends	$472,000	1,670
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$746,800	3,032
2012-03-31 (YTD Data)		Rank
Total interest income	$3,232,000	2,096
Total interest expense	$821,000	1,535
Net interest income	$2,411,000	2,271
Provision for loan and lease losses	$50,000	3,648
Total noninterest income	$291,000	2,992
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$79,000	3,405
Trading account gains and fees	$0	148
Additional Noninterest Income	$212,000	2,568
Total noninterest expense	$2,167,000	2,195
Salaries and employee benefits	$1,179,000	2,118
Premises and equipment expense	$351,000	1,695
Additional noninterest expense	$637,000	2,502
Pre-tax net operating income	$485,000	2,927
Securities gains (losses)	$770,000	182
Applicable income taxes	$337,000	1,203
Income before extraordinary items	$918,000	1,589
Extraordinary gains, net	$0	19
Net income	$918,000	1,590
Minority interest net income	$0	78
Net income of bank and minority interests.	$918,000	1,590
Net charge-offs	$194,000	1,877
Cash dividends	$236,000	1,474
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$355,900	3,153
2011-12-31 (YTD Data)		Rank
Total interest income	$12,490,000	2,241
Total interest expense	$3,657,000	1,645
Net interest income	$8,833,000	2,488
Provision for loan and lease losses	$946,000	2,498
Total noninterest income	$1,308,000	2,648
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$336,000	3,373
Trading account gains and fees	$0	146
Additional Noninterest Income	$972,000	2,178
Total noninterest expense	$7,619,000	2,480
Salaries and employee benefits	$3,948,000	2,433
Premises and equipment expense	$1,259,000	1,966
Additional noninterest expense	$2,412,000	2,659
Pre-tax net operating income	$1,576,000	2,947
Securities gains (losses)	$274,000	1,192
Applicable income taxes	$265,000	2,641
Income before extraordinary items	$1,585,000	2,671
Extraordinary gains, net	$0	29
Net income	$1,585,000	2,672
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,585,000	2,672
Net charge-offs	$496,000	3,180
Cash dividends	$1,167,000	1,468
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,349,360	2,889
2011-09-30 (YTD Data)		Rank
Total interest income	$9,330,000	2,270
Total interest expense	$2,760,000	1,694
Net interest income	$6,570,000	2,517
Provision for loan and lease losses	$515,000	2,833
Total noninterest income	$939,000	2,725
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$259,000	3,338
Trading account gains and fees	$0	145
Additional Noninterest Income	$680,000	2,248
Total noninterest expense	$5,491,000	2,568
Salaries and employee benefits	$2,804,000	2,565
Premises and equipment expense	$886,000	2,105
Additional noninterest expense	$1,801,000	2,682
Pre-tax net operating income	$1,503,000	2,574
Securities gains (losses)	$274,000	972
Applicable income taxes	$330,000	2,166
Income before extraordinary items	$1,447,000	2,394
Extraordinary gains, net	$0	21
Net income	$1,447,000	2,395
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,447,000	2,395
Net charge-offs	$505,000	2,652
Cash dividends	$700,000	1,475
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,225,060	2,591
2011-06-30 (YTD Data)		Rank
Total interest income	$6,201,000	2,294
Total interest expense	$1,853,000	1,741
Net interest income	$4,348,000	2,539
Provision for loan and lease losses	$283,000	3,105
Total noninterest income	$511,000	3,078
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$167,000	3,393
Trading account gains and fees	$0	153
Additional Noninterest Income	$344,000	2,686
Total noninterest expense	$3,615,000	2,612
Salaries and employee benefits	$1,820,000	2,658
Premises and equipment expense	$580,000	2,159
Additional noninterest expense	$1,215,000	2,719
Pre-tax net operating income	$961,000	2,608
Securities gains (losses)	$236,000	659
Applicable income taxes	$256,000	1,968
Income before extraordinary items	$941,000	2,389
Extraordinary gains, net	$0	15
Net income	$941,000	2,389
Minority interest net income	$0	89
Net income of bank and minority interests.	$941,000	2,389
Net charge-offs	$6,000	5,501
Cash dividends	$466,000	1,484
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$754,560	2,692
2011-03-31 (YTD Data)		Rank
Total interest income	$3,107,000	2,296
Total interest expense	$926,000	1,787
Net interest income	$2,181,000	2,524
Provision for loan and lease losses	$116,000	3,198
Total noninterest income	$261,000	3,074
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$86,000	3,297
Trading account gains and fees	$0	158
Additional Noninterest Income	$175,000	2,657
Total noninterest expense	$1,845,000	2,584
Salaries and employee benefits	$940,000	2,579
Premises and equipment expense	$299,000	2,145
Additional noninterest expense	$606,000	2,706
Pre-tax net operating income	$481,000	2,626
Securities gains (losses)	$236,000	300
Applicable income taxes	$168,000	1,678
Income before extraordinary items	$549,000	2,078
Extraordinary gains, net	$0	9
Net income	$549,000	2,077
Minority interest net income	$0	86
Net income of bank and minority interests.	$549,000	2,078
Net charge-offs	$6,000	4,589
Cash dividends	$235,000	1,303
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$367,280	2,781
2010-12-31 (YTD Data)		Rank
Total interest income	$12,570,000	2,393
Total interest expense	$4,078,000	1,960
Net interest income	$8,492,000	2,581
Provision for loan and lease losses	$1,506,000	2,455
Total noninterest income	$1,314,000	2,748
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$426,000	2,956
Trading account gains and fees	$0	175
Additional Noninterest Income	$888,000	2,350
Total noninterest expense	$6,790,000	2,793
Salaries and employee benefits	$3,396,000	2,805
Premises and equipment expense	$1,109,000	2,264
Additional noninterest expense	$2,285,000	2,897
Pre-tax net operating income	$1,510,000	2,709
Securities gains (losses)	$6,000	3,427
Applicable income taxes	$229,000	2,607
Income before extraordinary items	$1,287,000	2,776
Extraordinary gains, net	$0	29
Net income	$1,287,000	2,773
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,287,000	2,778
Net charge-offs	$1,093,000	2,563
Cash dividends	$914,000	1,594
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,281,900	2,677
2010-09-30 (YTD Data)		Rank
Total interest income	$9,419,000	2,453
Total interest expense	$3,061,000	2,040
Net interest income	$6,358,000	2,614
Provision for loan and lease losses	$871,000	2,724
Total noninterest income	$1,049,000	2,637
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$334,000	2,940
Trading account gains and fees	$0	165
Additional Noninterest Income	$715,000	2,230
Total noninterest expense	$4,933,000	2,872
Salaries and employee benefits	$2,451,000	2,901
Premises and equipment expense	$830,000	2,322
Additional noninterest expense	$1,652,000	2,947
Pre-tax net operating income	$1,603,000	2,255
Securities gains (losses)	$4,000	3,332
Applicable income taxes	$324,000	2,071
Income before extraordinary items	$1,283,000	2,431
Extraordinary gains, net	$0	23
Net income	$1,283,000	2,427
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,283,000	2,431
Net charge-offs	$547,000	2,952
Cash dividends	$684,000	1,428
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,279,800	2,309
2010-06-30 (YTD Data)		Rank
Total interest income	$6,175,000	2,514
Total interest expense	$2,033,000	2,130
Net interest income	$4,142,000	2,675
Provision for loan and lease losses	$289,000	3,710
Total noninterest income	$632,000	2,772
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$235,000	2,836
Trading account gains and fees	$0	152
Additional Noninterest Income	$397,000	2,422
Total noninterest expense	$3,290,000	2,880
Salaries and employee benefits	$1,632,000	2,921
Premises and equipment expense	$566,000	2,276
Additional noninterest expense	$1,092,000	2,968
Pre-tax net operating income	$1,195,000	2,061
Securities gains (losses)	$4,000	2,840
Applicable income taxes	$259,000	1,878
Income before extraordinary items	$940,000	2,225
Extraordinary gains, net	$0	19
Net income	$940,000	2,224
Minority interest net income	$0	105
Net income of bank and minority interests.	$940,000	2,227
Net charge-offs	$542,000	2,353
Cash dividends	$438,000	1,479
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$936,880	2,161
2010-03-31 (YTD Data)		Rank
Total interest income	$3,056,000	2,597
Total interest expense	$1,040,000	2,188
Net interest income	$2,016,000	2,760
Provision for loan and lease losses	$0	6,552
Total noninterest income	$346,000	2,601
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$138,000	2,500
Trading account gains and fees	$0	175
Additional Noninterest Income	$208,000	2,334
Total noninterest expense	$1,647,000	2,893
Salaries and employee benefits	$835,000	2,905
Premises and equipment expense	$296,000	2,227
Additional noninterest expense	$516,000	3,086
Pre-tax net operating income	$715,000	1,791
Securities gains (losses)	$4,000	1,944
Applicable income taxes	$169,000	1,604
Income before extraordinary items	$550,000	1,971
Extraordinary gains, net	$0	16
Net income	$550,000	1,969
Minority interest net income	$0	91
Net income of bank and minority interests.	$550,000	1,971
Net charge-offs	$534,000	1,532
Cash dividends	$219,000	1,327
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$546,960	1,904
2009-12-31 (YTD Data)		Rank
Total interest income	$12,150,000	2,714
Total interest expense	$4,858,000	2,323
Net interest income	$7,292,000	2,953
Provision for loan and lease losses	$1,125,000	3,312
Total noninterest income	$1,351,000	2,741
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$359,000	3,537
Trading account gains and fees	$0	211
Additional Noninterest Income	$992,000	2,153
Total noninterest expense	$6,539,000	2,965
Salaries and employee benefits	$3,048,000	3,128
Premises and equipment expense	$1,100,000	2,376
Additional noninterest expense	$2,391,000	2,853
Pre-tax net operating income	$979,000	3,020
Securities gains (losses)	$287,000	1,278
Applicable income taxes	$153,000	2,590
Income before extraordinary items	$1,113,000	2,591
Extraordinary gains, net	$0	34
Net income	$1,113,000	2,589
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,113,000	2,590
Net charge-offs	$275,000	4,610
Cash dividends	$410,000	2,804
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$860,440	2,960
2009-09-30 (YTD Data)		Rank
Total interest income	$9,138,000	2,743
Total interest expense	$3,669,000	2,404
Net interest income	$5,469,000	2,951
Provision for loan and lease losses	$475,000	3,876
Total noninterest income	$969,000	2,876
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$271,000	3,531
Trading account gains and fees	$0	212
Additional Noninterest Income	$698,000	2,301
Total noninterest expense	$4,841,000	3,001
Salaries and employee benefits	$2,237,000	3,221
Premises and equipment expense	$819,000	2,426
Additional noninterest expense	$1,785,000	2,824
Pre-tax net operating income	$1,122,000	2,539
Securities gains (losses)	$290,000	1,021
Applicable income taxes	$291,000	1,948
Income before extraordinary items	$1,121,000	2,279
Extraordinary gains, net	$0	27
Net income	$1,121,000	2,276
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,121,000	2,279
Net charge-offs	$-1,000	7,629
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$891,900	2,627
2009-06-30 (YTD Data)		Rank
Total interest income	$6,151,000	2,754
Total interest expense	$2,448,000	2,501
Net interest income	$3,703,000	2,904
Provision for loan and lease losses	$275,000	3,863
Total noninterest income	$710,000	2,723
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$179,000	3,529
Trading account gains and fees	$0	193
Additional Noninterest Income	$531,000	2,132
Total noninterest expense	$3,297,000	2,971
Salaries and employee benefits	$1,529,000	3,187
Premises and equipment expense	$551,000	2,438
Additional noninterest expense	$1,217,000	2,785
Pre-tax net operating income	$841,000	2,424
Securities gains (losses)	$188,000	1,050
Applicable income taxes	$223,000	1,846
Income before extraordinary items	$806,000	2,220
Extraordinary gains, net	$0	21
Net income	$806,000	2,218
Minority interest net income	$0	112
Net income of bank and minority interests.	$806,000	2,219
Net charge-offs	$-1,000	7,516
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$659,360	2,526
2009-03-31 (YTD Data)		Rank
Total interest income	$3,125,000	2,751
Total interest expense	$1,206,000	2,620
Net interest income	$1,919,000	2,807
Provision for loan and lease losses	$0	6,744
Total noninterest income	$360,000	2,681
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$70,000	3,970
Trading account gains and fees	$0	171
Additional Noninterest Income	$290,000	2,007
Total noninterest expense	$1,622,000	2,925
Salaries and employee benefits	$830,000	3,006
Premises and equipment expense	$271,000	2,508
Additional noninterest expense	$521,000	2,896
Pre-tax net operating income	$657,000	1,901
Securities gains (losses)	$0	2,434
Applicable income taxes	$157,000	1,701
Income before extraordinary items	$500,000	2,138
Extraordinary gains, net	$0	15
Net income	$500,000	2,137
Minority interest net income	$0	102
Net income of bank and minority interests.	$500,000	2,139
Net charge-offs	$0	5,728
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$500,000	2,001
2008-12-31 (YTD Data)		Rank
Total interest income	$7,170,000	4,415
Total interest expense	$3,045,000	4,216
Net interest income	$4,125,000	4,496
Provision for loan and lease losses	$380,000	4,218
Total noninterest income	$552,000	4,636
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$156,000	5,243
Trading account gains and fees	$0	154
Additional Noninterest Income	$396,000	3,608
Total noninterest expense	$4,008,000	4,231
Salaries and employee benefits	$2,205,000	4,134
Premises and equipment expense	$662,000	3,644
Additional noninterest expense	$1,141,000	4,447
Pre-tax net operating income	$289,000	5,480
Securities gains (losses)	$40,000	1,753
Applicable income taxes	$-42,000	6,942
Income before extraordinary items	$371,000	4,845
Extraordinary gains, net	$0	39
Net income	$371,000	4,845
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$135,000	4,610
Cash dividends	$700,000	2,846
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$331,000	5,147
2008-09-30 (YTD Data)		Rank
Total interest income	$5,249,000	4,562
Total interest expense	$2,328,000	4,281
Net interest income	$2,921,000	4,689
Provision for loan and lease losses	$160,000	4,545
Total noninterest income	$397,000	4,826
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$117,000	5,275
Trading account gains and fees	$0	148
Additional Noninterest Income	$280,000	3,797
Total noninterest expense	$2,630,000	4,621
Salaries and employee benefits	$1,383,000	4,733
Premises and equipment expense	$487,000	3,703
Additional noninterest expense	$760,000	4,706
Pre-tax net operating income	$528,000	4,851
Securities gains (losses)	$42,000	1,531
Applicable income taxes	$92,000	3,656
Income before extraordinary items	$478,000	4,522
Extraordinary gains, net	$0	31
Net income	$478,000	4,520
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,000	3,866
Cash dividends	$525,000	2,663
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$442,720	4,791
2008-06-30 (YTD Data)		Rank
Total interest income	$3,409,000	4,705
Total interest expense	$1,550,000	4,423
Net interest income	$1,859,000	4,844
Provision for loan and lease losses	$60,000	4,901
Total noninterest income	$265,000	4,869
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$76,000	5,344
Trading account gains and fees	$0	149
Additional Noninterest Income	$189,000	3,871
Total noninterest expense	$1,708,000	4,724
Salaries and employee benefits	$897,000	4,851
Premises and equipment expense	$319,000	3,777
Additional noninterest expense	$492,000	4,772
Pre-tax net operating income	$356,000	4,988
Securities gains (losses)	$42,000	1,555
Applicable income taxes	$72,000	3,768
Income before extraordinary items	$326,000	4,872
Extraordinary gains, net	$0	21
Net income	$326,000	4,874
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	4,199
Cash dividends	$150,000	3,727
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$291,560	4,995
2008-03-31 (YTD Data)		Rank
Total interest income	$1,679,000	4,848
Total interest expense	$789,000	4,548
Net interest income	$890,000	4,983
Provision for loan and lease losses	$30,000	4,346
Total noninterest income	$140,000	4,763
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$39,000	5,270
Trading account gains and fees	$0	158
Additional Noninterest Income	$101,000	3,742
Total noninterest expense	$819,000	4,864
Salaries and employee benefits	$418,000	5,112
Premises and equipment expense	$157,000	3,841
Additional noninterest expense	$244,000	4,770
Pre-tax net operating income	$181,000	5,132
Securities gains (losses)	$1,000	2,556
Applicable income taxes	$28,000	4,112
Income before extraordinary items	$154,000	5,172
Extraordinary gains, net	$0	15
Net income	$154,000	5,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	3,778
Cash dividends	$75,000	3,138
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$153,150	5,076
2007-12-31 (YTD Data)		Rank
Total interest income	$6,462,000	4,976
Total interest expense	$3,257,000	4,546
Net interest income	$3,205,000	5,320
Provision for loan and lease losses	$120,000	4,617
Total noninterest income	$694,000	4,323
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$122,000	5,733
Trading account gains and fees	$0	178
Additional Noninterest Income	$572,000	3,086
Total noninterest expense	$3,164,000	4,842
Salaries and employee benefits	$1,641,000	5,019
Premises and equipment expense	$541,000	4,134
Additional noninterest expense	$982,000	4,719
Pre-tax net operating income	$615,000	5,653
Securities gains (losses)	$0	2,146
Applicable income taxes	$80,000	4,632
Income before extraordinary items	$535,000	5,557
Extraordinary gains, net	$0	39
Net income	$535,000	5,558
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	5,621
Cash dividends	$300,000	4,401
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$535,000	5,546
2007-09-30 (YTD Data)		Rank
Total interest income	$4,764,000	5,049
Total interest expense	$2,379,000	4,635
Net interest income	$2,385,000	5,369
Provision for loan and lease losses	$90,000	4,255
Total noninterest income	$500,000	4,421
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$88,000	5,825
Trading account gains and fees	$0	184
Additional Noninterest Income	$412,000	3,151
Total noninterest expense	$2,349,000	4,851
Salaries and employee benefits	$1,218,000	5,046
Premises and equipment expense	$392,000	4,229
Additional noninterest expense	$739,000	4,640
Pre-tax net operating income	$446,000	5,976
Securities gains (losses)	$0	1,655
Applicable income taxes	$56,000	4,869
Income before extraordinary items	$390,000	5,874
Extraordinary gains, net	$0	33
Net income	$390,000	5,872
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	4,905
Cash dividends	$225,000	3,973
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$390,000	5,854
2007-06-30 (YTD Data)		Rank
Total interest income	$3,110,000	5,139
Total interest expense	$1,534,000	4,728
Net interest income	$1,576,000	5,429
Provision for loan and lease losses	$60,000	3,990
Total noninterest income	$322,000	4,503
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$55,000	5,947
Trading account gains and fees	$0	168
Additional Noninterest Income	$267,000	3,209
Total noninterest expense	$1,548,000	4,916
Salaries and employee benefits	$819,000	5,066
Premises and equipment expense	$250,000	4,389
Additional noninterest expense	$479,000	4,703
Pre-tax net operating income	$290,000	6,102
Securities gains (losses)	$0	1,444
Applicable income taxes	$39,000	4,945
Income before extraordinary items	$251,000	6,007
Extraordinary gains, net	$0	29
Net income	$251,000	6,005
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,692
Cash dividends	$150,000	3,935
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$251,000	5,994
2007-03-31 (YTD Data)		Rank
Total interest income	$1,541,000	5,154
Total interest expense	$774,000	4,662
Net interest income	$767,000	5,526
Provision for loan and lease losses	$30,000	3,737
Total noninterest income	$161,000	4,461
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$27,000	5,944
Trading account gains and fees	$0	195
Additional Noninterest Income	$134,000	3,207
Total noninterest expense	$763,000	4,952
Salaries and employee benefits	$402,000	5,149
Premises and equipment expense	$123,000	4,440
Additional noninterest expense	$238,000	4,702
Pre-tax net operating income	$135,000	6,232
Securities gains (losses)	$0	1,187
Applicable income taxes	$16,000	5,054
Income before extraordinary items	$119,000	6,097
Extraordinary gains, net	$0	22
Net income	$119,000	6,097
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	7,345
Cash dividends	$75,000	3,338
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$119,000	6,081
2006-12-31 (YTD Data)		Rank
Total interest income	$6,019,000	5,008
Total interest expense	$2,937,000	4,367
Net interest income	$3,082,000	5,445
Provision for loan and lease losses	$295,000	2,837
Total noninterest income	$595,000	4,753
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$119,000	5,910
Trading account gains and fees	$0	130
Additional Noninterest Income	$476,000	3,426
Total noninterest expense	$2,868,000	5,028
Salaries and employee benefits	$1,534,000	5,117
Premises and equipment expense	$425,000	4,737
Additional noninterest expense	$909,000	4,825
Pre-tax net operating income	$514,000	6,440
Securities gains (losses)	$0	1,687
Applicable income taxes	$36,000	5,646
Income before extraordinary items	$478,000	6,234
Extraordinary gains, net	$0	51
Net income	$478,000	6,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	5,089
Cash dividends	$300,000	4,447
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$478,000	6,231
2006-09-30 (YTD Data)		Rank
Total interest income	$4,454,000	5,032
Total interest expense	$2,117,000	4,395
Net interest income	$2,337,000	5,457
Provision for loan and lease losses	$90,000	4,225
Total noninterest income	$432,000	4,839
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$89,000	5,978
Trading account gains and fees	$0	126
Additional Noninterest Income	$343,000	3,485
Total noninterest expense	$2,046,000	5,197
Salaries and employee benefits	$1,109,000	5,219
Premises and equipment expense	$300,000	4,946
Additional noninterest expense	$637,000	5,024
Pre-tax net operating income	$633,000	5,745
Securities gains (losses)	$0	1,388
Applicable income taxes	$107,000	4,862
Income before extraordinary items	$526,000	5,650
Extraordinary gains, net	$0	45
Net income	$526,000	5,652
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,424
Cash dividends	$225,000	4,017
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$526,000	5,646
2006-06-30 (YTD Data)		Rank
Total interest income	$2,911,000	5,057
Total interest expense	$1,336,000	4,405
Net interest income	$1,575,000	5,444
Provision for loan and lease losses	$60,000	4,062
Total noninterest income	$310,000	4,640
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$56,000	6,082
Trading account gains and fees	$0	126
Additional Noninterest Income	$254,000	3,301
Total noninterest expense	$1,330,000	5,286
Salaries and employee benefits	$713,000	5,363
Premises and equipment expense	$197,000	4,979
Additional noninterest expense	$420,000	5,041
Pre-tax net operating income	$495,000	5,421
Securities gains (losses)	$0	1,185
Applicable income taxes	$94,000	4,592
Income before extraordinary items	$401,000	5,386
Extraordinary gains, net	$0	39
Net income	$401,000	5,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,447
Cash dividends	$150,000	3,976
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$401,000	5,384
2006-03-31 (YTD Data)		Rank
Total interest income	$1,421,000	5,078
Total interest expense	$637,000	4,429
Net interest income	$784,000	5,453
Provision for loan and lease losses	$30,000	3,822
Total noninterest income	$158,000	4,547
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$27,000	6,103
Trading account gains and fees	$0	115
Additional Noninterest Income	$131,000	3,225
Total noninterest expense	$665,000	5,292
Salaries and employee benefits	$337,000	5,563
Premises and equipment expense	$98,000	5,028
Additional noninterest expense	$230,000	4,721
Pre-tax net operating income	$247,000	5,404
Securities gains (losses)	$0	955
Applicable income taxes	$48,000	4,542
Income before extraordinary items	$199,000	5,364
Extraordinary gains, net	$0	21
Net income	$199,000	5,363
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$75,000	3,324
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$199,000	5,370
2005-12-31 (YTD Data)		Rank
Total interest income	$5,393,000	4,919
Total interest expense	$2,291,000	4,048
Net interest income	$3,102,000	5,396
Provision for loan and lease losses	$150,000	4,107
Total noninterest income	$609,000	4,744
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$116,000	6,056
Trading account gains and fees	$0	138
Additional Noninterest Income	$493,000	3,388
Total noninterest expense	$2,533,000	5,334
Salaries and employee benefits	$1,351,000	5,406
Premises and equipment expense	$368,000	5,124
Additional noninterest expense	$814,000	5,107
Pre-tax net operating income	$1,028,000	5,281
Securities gains (losses)	$-25,000	7,924
Applicable income taxes	$181,000	4,788
Income before extraordinary items	$822,000	5,289
Extraordinary gains, net	$0	46
Net income	$822,000	5,291
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	5,078
Cash dividends	$300,000	4,372
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$842,500	5,200
2005-09-30 (YTD Data)		Rank
Total interest income	$3,999,000	4,912
Total interest expense	$1,677,000	3,978
Net interest income	$2,322,000	5,414
Provision for loan and lease losses	$120,000	3,874
Total noninterest income	$451,000	4,819
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$86,000	6,113
Trading account gains and fees	$0	126
Additional Noninterest Income	$365,000	3,434
Total noninterest expense	$1,883,000	5,333
Salaries and employee benefits	$1,013,000	5,373
Premises and equipment expense	$269,000	5,188
Additional noninterest expense	$601,000	5,118
Pre-tax net operating income	$770,000	5,422
Securities gains (losses)	$0	2,317
Applicable income taxes	$141,000	4,877
Income before extraordinary items	$629,000	5,343
Extraordinary gains, net	$0	35
Net income	$629,000	5,346
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,785
Cash dividends	$225,000	3,898
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$629,000	5,307
2005-06-30 (YTD Data)		Rank
Total interest income	$2,647,000	4,882
Total interest expense	$1,093,000	3,888
Net interest income	$1,554,000	5,384
Provision for loan and lease losses	$90,000	3,491
Total noninterest income	$293,000	4,852
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$56,000	6,119
Trading account gains and fees	$0	116
Additional Noninterest Income	$237,000	3,461
Total noninterest expense	$1,246,000	5,346
Salaries and employee benefits	$657,000	5,447
Premises and equipment expense	$170,000	5,363
Additional noninterest expense	$419,000	4,931
Pre-tax net operating income	$511,000	5,433
Securities gains (losses)	$0	2,146
Applicable income taxes	$94,000	4,889
Income before extraordinary items	$417,000	5,339
Extraordinary gains, net	$0	30
Net income	$417,000	5,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,310
Cash dividends	$150,000	3,809
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$417,000	5,300
2005-03-31 (YTD Data)		Rank
Total interest income	$1,327,000	4,854
Total interest expense	$539,000	3,813
Net interest income	$788,000	5,365
Provision for loan and lease losses	$45,000	3,327
Total noninterest income	$141,000	4,864
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$26,000	6,203
Trading account gains and fees	$0	115
Additional Noninterest Income	$115,000	3,480
Total noninterest expense	$627,000	5,372
Salaries and employee benefits	$325,000	5,539
Premises and equipment expense	$79,000	5,599
Additional noninterest expense	$223,000	4,723
Pre-tax net operating income	$257,000	5,388
Securities gains (losses)	$0	1,685
Applicable income taxes	$46,000	4,870
Income before extraordinary items	$211,000	5,287
Extraordinary gains, net	$0	24
Net income	$211,000	5,288
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	3,295
Cash dividends	$75,000	3,171
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$211,000	5,252
2004-12-31 (YTD Data)		Rank
Total interest income	$4,946,000	4,888
Total interest expense	$2,077,000	3,533
Net interest income	$2,869,000	5,542
Provision for loan and lease losses	$25,000	6,557
Total noninterest income	$689,000	4,431
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$109,000	6,343
Trading account gains and fees	$0	138
Additional Noninterest Income	$580,000	3,044
Total noninterest expense	$2,502,000	5,306
Salaries and employee benefits	$1,328,000	5,353
Premises and equipment expense	$310,000	5,586
Additional noninterest expense	$864,000	4,837
Pre-tax net operating income	$1,031,000	5,163
Securities gains (losses)	$25,000	2,257
Applicable income taxes	$183,000	4,858
Income before extraordinary items	$873,000	5,058
Extraordinary gains, net	$0	34
Net income	$873,000	5,059
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,046
Cash dividends	$674,000	3,036
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$852,250	5,043
2004-09-30 (YTD Data)		Rank
Total interest income	$3,636,000	4,937
Total interest expense	$1,532,000	3,544
Net interest income	$2,104,000	5,621
Provision for loan and lease losses	$0	7,100
Total noninterest income	$512,000	4,471
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$82,000	6,374
Trading account gains and fees	$0	134
Additional Noninterest Income	$430,000	3,067
Total noninterest expense	$1,887,000	5,239
Salaries and employee benefits	$1,002,000	5,312
Premises and equipment expense	$238,000	5,500
Additional noninterest expense	$647,000	4,798
Pre-tax net operating income	$729,000	5,421
Securities gains (losses)	$25,000	2,158
Applicable income taxes	$129,000	5,050
Income before extraordinary items	$625,000	5,259
Extraordinary gains, net	$0	26
Net income	$625,000	5,258
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	4,694
Cash dividends	$289,000	3,518
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$604,250	5,260
2004-06-30 (YTD Data)		Rank
Total interest income	$2,400,000	4,988
Total interest expense	$997,000	3,605
Net interest income	$1,403,000	5,618
Provision for loan and lease losses	$0	6,885
Total noninterest income	$330,000	4,568
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$52,000	6,467
Trading account gains and fees	$0	130
Additional Noninterest Income	$278,000	3,126
Total noninterest expense	$1,276,000	5,216
Salaries and employee benefits	$677,000	5,302
Premises and equipment expense	$156,000	5,546
Additional noninterest expense	$443,000	4,730
Pre-tax net operating income	$457,000	5,532
Securities gains (losses)	$25,000	1,902
Applicable income taxes	$74,000	5,210
Income before extraordinary items	$408,000	5,270
Extraordinary gains, net	$0	21
Net income	$408,000	5,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,680
Cash dividends	$213,000	3,363
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$386,750	5,316
2004-03-31 (YTD Data)		Rank
Total interest income	$1,200,000	4,998
Total interest expense	$500,000	3,641
Net interest income	$700,000	5,636
Provision for loan and lease losses	$0	6,501
Total noninterest income	$121,000	5,315
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$26,000	6,426
Trading account gains and fees	$0	121
Additional Noninterest Income	$95,000	3,820
Total noninterest expense	$627,000	5,306
Salaries and employee benefits	$336,000	5,335
Premises and equipment expense	$81,000	5,477
Additional noninterest expense	$210,000	4,897
Pre-tax net operating income	$194,000	5,890
Securities gains (losses)	$-6,000	8,866
Applicable income taxes	$19,000	5,825
Income before extraordinary items	$169,000	5,733
Extraordinary gains, net	$0	16
Net income	$169,000	5,734
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$141,000	2,564
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$174,400	5,550
2003-12-31 (YTD Data)		Rank
Total interest income	$5,008,000	4,891
Total interest expense	$2,245,000	3,638
Net interest income	$2,763,000	5,574
Provision for loan and lease losses	$0	7,651
Total noninterest income	$487,000	5,514
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$108,000	6,432
Trading account gains and fees	$0	160
Additional Noninterest Income	$379,000	4,078
Total noninterest expense	$2,183,000	5,705
Salaries and employee benefits	$1,109,000	5,902
Premises and equipment expense	$204,000	6,731
Additional noninterest expense	$870,000	4,759
Pre-tax net operating income	$1,067,000	4,997
Securities gains (losses)	$14,000	3,435
Applicable income taxes	$184,000	5,039
Income before extraordinary items	$897,000	4,949
Extraordinary gains, net	$0	54
Net income	$897,000	4,949
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$429,000	3,807
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$885,380	4,808
2003-09-30 (YTD Data)		Rank
Total interest income	$3,774,000	4,933
Total interest expense	$1,730,000	3,677
Net interest income	$2,044,000	5,650
Provision for loan and lease losses	$0	7,481
Total noninterest income	$360,000	5,589
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$81,000	6,482
Trading account gains and fees	$0	153
Additional Noninterest Income	$279,000	4,165
Total noninterest expense	$1,549,000	5,870
Salaries and employee benefits	$810,000	5,975
Premises and equipment expense	$142,000	6,925
Additional noninterest expense	$597,000	5,017
Pre-tax net operating income	$855,000	4,956
Securities gains (losses)	$14,000	3,164
Applicable income taxes	$158,000	5,025
Income before extraordinary items	$711,000	4,955
Extraordinary gains, net	$0	40
Net income	$711,000	4,955
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$357,000	3,212
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$699,520	4,809
2003-06-30 (YTD Data)		Rank
Total interest income	$2,571,000	4,896
Total interest expense	$1,183,000	3,709
Net interest income	$1,388,000	5,584
Provision for loan and lease losses	$0	7,324
Total noninterest income	$231,000	5,665
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$53,000	6,490
Trading account gains and fees	$0	150
Additional Noninterest Income	$178,000	4,250
Total noninterest expense	$1,022,000	5,921
Salaries and employee benefits	$526,000	6,072
Premises and equipment expense	$93,000	6,939
Additional noninterest expense	$403,000	4,982
Pre-tax net operating income	$597,000	4,841
Securities gains (losses)	$14,000	2,789
Applicable income taxes	$117,000	4,904
Income before extraordinary items	$494,000	4,835
Extraordinary gains, net	$0	30
Net income	$494,000	4,834
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$242,000	3,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$482,660	4,672
2003-03-31 (YTD Data)		Rank
Total interest income	$1,331,000	4,805
Total interest expense	$602,000	3,743
Net interest income	$729,000	5,419
Provision for loan and lease losses	$0	6,934
Total noninterest income	$106,000	5,763
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$27,000	6,433
Trading account gains and fees	$0	134
Additional Noninterest Income	$79,000	4,363
Total noninterest expense	$517,000	5,889
Salaries and employee benefits	$263,000	6,080
Premises and equipment expense	$48,000	6,893
Additional noninterest expense	$206,000	4,860
Pre-tax net operating income	$318,000	4,639
Securities gains (losses)	$0	2,891
Applicable income taxes	$64,000	4,721
Income before extraordinary items	$254,000	4,678
Extraordinary gains, net	$0	21
Net income	$254,000	4,678
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$154,000	2,496
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$254,000	4,475
2002-12-31 (YTD Data)		Rank
Total interest income	$5,556,000	4,809
Total interest expense	$2,614,000	3,963
Net interest income	$2,942,000	5,347
Provision for loan and lease losses	$8,000	7,885
Total noninterest income	$365,000	6,001
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$110,000	6,411
Trading account gains and fees	$0	153
Additional Noninterest Income	$255,000	4,582
Total noninterest expense	$1,827,000	6,199
Salaries and employee benefits	$952,000	6,308
Premises and equipment expense	$216,000	6,579
Additional noninterest expense	$659,000	5,608
Pre-tax net operating income	$1,472,000	4,173
Securities gains (losses)	$7,000	3,799
Applicable income taxes	$353,000	4,137
Income before extraordinary items	$1,126,000	4,260
Extraordinary gains, net	$0	70
Net income	$1,126,000	4,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	6,852
Cash dividends	$403,000	3,796
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,120,680	4,164
2001-12-31 (YTD Data)		Rank
Total interest income	$5,964,000	4,984
Total interest expense	$3,388,000	4,312
Net interest income	$2,576,000	5,615
Provision for loan and lease losses	$21,000	7,535
Total noninterest income	$328,000	6,177
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$112,000	6,368
Trading account gains and fees	$0	177
Additional Noninterest Income	$216,000	4,772
Total noninterest expense	$1,728,000	6,285
Salaries and employee benefits	$898,000	6,381
Premises and equipment expense	$236,000	6,262
Additional noninterest expense	$594,000	5,874
Pre-tax net operating income	$1,155,000	4,516
Securities gains (losses)	$8,000	3,714
Applicable income taxes	$263,000	4,527
Income before extraordinary items	$900,000	4,573
Extraordinary gains, net	$0	105
Net income	$900,000	4,575
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,017
Cash dividends	$318,000	4,285
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$893,840	4,474
2000-12-31 (YTD Data)		Rank
Total interest income	$5,972,000	5,096
Total interest expense	$3,272,000	4,612
Net interest income	$2,700,000	5,541
Provision for loan and lease losses	$36,000	6,984
Total noninterest income	$252,000	6,757
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$120,000	6,224
Trading account gains and fees	NA	NA
Additional Noninterest Income	$132,000	5,785
Total noninterest expense	$1,741,000	6,173
Salaries and employee benefits	$879,000	6,387
Premises and equipment expense	$245,000	6,127
Additional noninterest expense	$617,000	5,672
Pre-tax net operating income	$1,175,000	4,780
Securities gains (losses)	$-17,000	8,651
Applicable income taxes	$276,000	4,760
Income before extraordinary items	$882,000	4,738
Extraordinary gains, net	$0	38
Net income	$882,000	4,737
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,877
Cash dividends	$342,000	4,247
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$894,920	4,704
1999-12-31 (YTD Data)		Rank
Total interest income	$5,740,000	5,099
Total interest expense	$3,020,000	4,577
Net interest income	$2,720,000	5,509
Provision for loan and lease losses	$13,000	7,957
Total noninterest income	$233,000	7,116
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$104,000	6,628
Trading account gains and fees	NA	NA
Additional Noninterest Income	$129,000	5,980
Total noninterest expense	$1,694,000	6,313
Salaries and employee benefits	$822,000	6,650
Premises and equipment expense	$272,000	5,777
Additional noninterest expense	$600,000	5,825
Pre-tax net operating income	$1,246,000	4,658
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$290,000	4,892
Income before extraordinary items	$957,000	4,558
Extraordinary gains, net	$0	35
Net income	$957,000	4,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	6,647
Cash dividends	$467,000	3,655
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$956,230	4,523
1998-12-31 (YTD Data)		Rank
Total interest income	$5,598,000	5,236
Total interest expense	$3,019,000	4,702
Net interest income	$2,579,000	5,721
Provision for loan and lease losses	$5,000	8,460
Total noninterest income	$196,000	7,633
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	6,631
Trading account gains and fees	NA	NA
Additional Noninterest Income	$84,000	7,070
Total noninterest expense	$1,589,000	6,452
Salaries and employee benefits	$795,000	6,707
Premises and equipment expense	$252,000	5,932
Additional noninterest expense	$542,000	6,154
Pre-tax net operating income	$1,181,000	4,935
Securities gains (losses)	$3,000	3,720
Applicable income taxes	$292,000	5,241
Income before extraordinary items	$892,000	4,859
Extraordinary gains, net	$0	32
Net income	$892,000	4,858
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,302
Cash dividends	$314,000	4,463
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$889,750	4,766
1997-12-31 (YTD Data)		Rank
Total interest income	$5,348,000	5,525
Total interest expense	$2,952,000	4,787
Net interest income	$2,396,000	6,221
Provision for loan and lease losses	$0	8,829
Total noninterest income	$197,000	7,877
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$126,000	6,643
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	7,666
Total noninterest expense	$1,493,000	6,801
Salaries and employee benefits	$808,000	6,744
Premises and equipment expense	$211,000	6,647
Additional noninterest expense	$474,000	6,723
Pre-tax net operating income	$1,100,000	5,535
Securities gains (losses)	$-12,000	10,127
Applicable income taxes	$266,000	6,081
Income before extraordinary items	$822,000	5,369
Extraordinary gains, net	$0	44
Net income	$822,000	5,373
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,963
Cash dividends	$287,000	4,681
Sale, conversion, retirement of capital stock, net	$148,000	715
Net operating income	$831,120	5,279
1996-12-31 (YTD Data)		Rank
Total interest income	$5,092,000	5,861
Total interest expense	$2,831,000	5,025
Net interest income	$2,261,000	6,637
Provision for loan and lease losses	$0	9,041
Total noninterest income	$203,000	8,187
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$115,000	7,175
Trading account gains and fees	NA	NA
Additional Noninterest Income	$88,000	7,486
Total noninterest expense	$1,409,000	7,366
Salaries and employee benefits	$761,000	7,197
Premises and equipment expense	$210,000	6,860
Additional noninterest expense	$438,000	7,567
Pre-tax net operating income	$1,055,000	5,553
Securities gains (losses)	$-12,000	10,370
Applicable income taxes	$264,000	6,251
Income before extraordinary items	$779,000	5,398
Extraordinary gains, net	$0	53
Net income	$779,000	5,399
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,797
Cash dividends	$272,000	4,767
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$788,000	5,304
1995-12-31 (YTD Data)		Rank
Total interest income	$4,736,000	6,211
Total interest expense	$2,655,000	5,301
Net interest income	$2,081,000	7,118
Provision for loan and lease losses	$0	8,958
Total noninterest income	$200,000	8,426
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$120,000	7,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$80,000	7,955
Total noninterest expense	$1,418,000	7,530
Salaries and employee benefits	$766,000	7,307
Premises and equipment expense	$191,000	7,369
Additional noninterest expense	$461,000	7,599
Pre-tax net operating income	$863,000	6,582
Securities gains (losses)	$-15,000	10,368
Applicable income taxes	$198,000	7,450
Income before extraordinary items	$650,000	6,316
Extraordinary gains, net	$0	65
Net income	$650,000	6,314
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,680
Cash dividends	$230,000	5,161
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$661,550	6,217
1994-12-31 (YTD Data)		Rank
Total interest income	$4,693,000	5,962
Total interest expense	$2,464,000	4,710
Net interest income	$2,229,000	7,019
Provision for loan and lease losses	$0	9,146
Total noninterest income	$189,000	8,934
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	7,743
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	8,448
Total noninterest expense	$1,484,000	7,650
Salaries and employee benefits	$777,000	7,334
Premises and equipment expense	$164,000	8,211
Additional noninterest expense	$543,000	7,488
Pre-tax net operating income	$934,000	6,241
Securities gains (losses)	$0	3,600
Applicable income taxes	$210,000	7,181
Income before extraordinary items	$724,000	5,778
Extraordinary gains, net	$0	249
Net income	$724,000	5,793
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	5,238
Cash dividends	$230,000	5,139
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$724,000	5,852
1993-12-31 (YTD Data)		Rank
Total interest income	$4,736,000	6,051
Total interest expense	$2,611,000	4,633
Net interest income	$2,125,000	7,374
Provision for loan and lease losses	$78,000	6,380
Total noninterest income	$196,000	9,304
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$126,000	7,694
Trading account gains and fees	NA	NA
Additional Noninterest Income	$70,000	9,084
Total noninterest expense	$1,417,000	8,115
Salaries and employee benefits	$714,000	7,911
Premises and equipment expense	$181,000	8,115
Additional noninterest expense	$522,000	8,013
Pre-tax net operating income	$826,000	6,685
Securities gains (losses)	$0	7,477
Applicable income taxes	$198,000	7,661
Income before extraordinary items	$628,000	6,574
Extraordinary gains, net	$0	3,149
Net income	$628,000	6,731
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	8,470
Cash dividends	$210,000	5,277
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$628,000	6,333
1992-12-31 (YTD Data)		Rank
Total interest income	$4,963,000	6,426
Total interest expense	$2,910,000	5,290
Net interest income	$2,053,000	7,607
Provision for loan and lease losses	$110,000	7,010
Total noninterest income	$187,000	9,674
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$123,000	7,877
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	9,594
Total noninterest expense	$1,338,000	8,529
Salaries and employee benefits	$641,000	8,443
Premises and equipment expense	$213,000	7,557
Additional noninterest expense	$484,000	8,610
Pre-tax net operating income	$792,000	6,605
Securities gains (losses)	$0	8,369
Applicable income taxes	$176,000	8,054
Income before extraordinary items	$616,000	6,466
Extraordinary gains, net	$0	1,422
Net income	$616,000	6,537
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	8,508
Cash dividends	$180,000	5,316
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$616,000	6,099

* 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.