Home > Royal Savings Bank > Income and Expense

Royal Savings Bank, Income and Expense

2021-12-31 (YTD Data)		Rank
Total interest income	$19,930,000	1,490
Total interest expense	$1,458,000	1,705
Net interest income	$18,472,000	1,462
Provision for loan and lease losses	$-328,000	4,376
Total noninterest income	$660,000	3,389
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$204,000	2,671
Trading account gains and fees	NA	NA
Additional Noninterest Income	$456,000	3,336
Total noninterest expense	$10,654,000	1,895
Salaries and employee benefits	$5,171,000	2,127
Premises and equipment expense	$2,039,000	1,185
Additional noninterest expense	$3,444,000	1,787
Pre-tax net operating income	$8,806,000	1,389
Securities gains (losses)	$0	2,062
Applicable income taxes	$2,111,000	1,059
Income before extraordinary items	$6,695,000	1,550
Extraordinary gains, net	$0	10
Net income	$6,695,000	1,550
Minority interest net income	$0	74
Net income of bank and minority interests.	$6,695,000	1,550
Net charge-offs	$-424,000	4,695
Cash dividends	$501,000	2,793
Sale, conversion, retirement of capital stock, net	$267,000	381
Net operating income	$6,695,000	1,524
2021-09-30 (YTD Data)		Rank
Total interest income	$14,865,000	1,524
Total interest expense	$1,157,000	1,710
Net interest income	$13,708,000	1,495
Provision for loan and lease losses	$-185,000	4,436
Total noninterest income	$495,000	3,437
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$149,000	2,710
Trading account gains and fees	NA	NA
Additional Noninterest Income	$346,000	3,378
Total noninterest expense	$8,012,000	1,896
Salaries and employee benefits	$3,931,000	2,123
Premises and equipment expense	$1,567,000	1,187
Additional noninterest expense	$2,514,000	1,823
Pre-tax net operating income	$6,376,000	1,479
Securities gains (losses)	$0	2,015
Applicable income taxes	$1,418,000	1,196
Income before extraordinary items	$4,958,000	1,618
Extraordinary gains, net	$0	8
Net income	$4,958,000	1,617
Minority interest net income	$0	69
Net income of bank and minority interests.	$4,958,000	1,618
Net charge-offs	$-362,000	4,778
Cash dividends	$289,000	2,695
Sale, conversion, retirement of capital stock, net	$209,000	338
Net operating income	$4,958,000	1,591
2021-06-30 (YTD Data)		Rank
Total interest income	$9,588,000	1,562
Total interest expense	$837,000	1,659
Net interest income	$8,751,000	1,532
Provision for loan and lease losses	$-60,000	4,455
Total noninterest income	$318,000	3,473
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$98,000	2,670
Trading account gains and fees	NA	NA
Additional Noninterest Income	$220,000	3,415
Total noninterest expense	$5,218,000	1,918
Salaries and employee benefits	$2,578,000	2,136
Premises and equipment expense	$1,016,000	1,203
Additional noninterest expense	$1,624,000	1,845
Pre-tax net operating income	$3,911,000	1,553
Securities gains (losses)	$0	1,818
Applicable income taxes	$715,000	1,405
Income before extraordinary items	$3,196,000	1,637
Extraordinary gains, net	$0	6
Net income	$3,196,000	1,637
Minority interest net income	$0	67
Net income of bank and minority interests.	$3,196,000	1,637
Net charge-offs	$-295,000	4,817
Cash dividends	$144,000	2,734
Sale, conversion, retirement of capital stock, net	$145,000	315
Net operating income	$3,196,000	1,607
2021-03-31 (YTD Data)		Rank
Total interest income	$4,710,000	1,580
Total interest expense	$455,000	1,625
Net interest income	$4,255,000	1,564
Provision for loan and lease losses	$-300,000	4,718
Total noninterest income	$145,000	3,553
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$49,000	2,669
Trading account gains and fees	NA	NA
Additional Noninterest Income	$96,000	3,537
Total noninterest expense	$2,539,000	1,946
Salaries and employee benefits	$1,243,000	2,171
Premises and equipment expense	$496,000	1,230
Additional noninterest expense	$800,000	1,834
Pre-tax net operating income	$2,161,000	1,449
Securities gains (losses)	$0	1,392
Applicable income taxes	$417,000	1,275
Income before extraordinary items	$1,744,000	1,542
Extraordinary gains, net	$0	3
Net income	$1,744,000	1,542
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,744,000	1,542
Net charge-offs	$-415,000	4,918
Cash dividends	$144,000	1,982
Sale, conversion, retirement of capital stock, net	$72,000	293
Net operating income	$1,744,000	1,507
2020-12-31 (YTD Data)		Rank
Total interest income	$17,922,000	1,639
Total interest expense	$2,718,000	1,618
Net interest income	$15,204,000	1,634
Provision for loan and lease losses	$2,321,000	948
Total noninterest income	$575,000	3,479
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$179,000	2,905
Trading account gains and fees	NA	NA
Additional Noninterest Income	$396,000	3,382
Total noninterest expense	$9,527,000	2,020
Salaries and employee benefits	$4,584,000	2,264
Premises and equipment expense	$1,912,000	1,228
Additional noninterest expense	$3,031,000	1,896
Pre-tax net operating income	$3,931,000	2,093
Securities gains (losses)	$814,000	433
Applicable income taxes	$1,575,000	1,098
Income before extraordinary items	$3,170,000	2,228
Extraordinary gains, net	$0	4
Net income	$3,170,000	2,228
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,170,000	2,228
Net charge-offs	$1,226,000	570
Cash dividends	$1,018,000	2,172
Sale, conversion, retirement of capital stock, net	$296,000	327
Net operating income	$2,526,940	2,487
2020-09-30 (YTD Data)		Rank
Total interest income	$13,120,000	1,679
Total interest expense	$2,148,000	1,623
Net interest income	$10,972,000	1,678
Provision for loan and lease losses	$2,261,000	826
Total noninterest income	$425,000	3,489
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$133,000	2,927
Trading account gains and fees	NA	NA
Additional Noninterest Income	$292,000	3,375
Total noninterest expense	$7,283,000	1,977
Salaries and employee benefits	$3,537,000	2,216
Premises and equipment expense	$1,433,000	1,225
Additional noninterest expense	$2,313,000	1,863
Pre-tax net operating income	$1,853,000	2,695
Securities gains (losses)	$814,000	355
Applicable income taxes	$938,000	1,235
Income before extraordinary items	$1,729,000	2,642
Extraordinary gains, net	$0	4
Net income	$1,729,000	2,641
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,729,000	2,642
Net charge-offs	$1,200,000	456
Cash dividends	$927,000	1,765
Sale, conversion, retirement of capital stock, net	$224,000	307
Net operating income	$1,085,940	3,203
2020-06-30 (YTD Data)		Rank
Total interest income	$8,441,000	1,744
Total interest expense	$1,464,000	1,670
Net interest income	$6,977,000	1,743
Provision for loan and lease losses	$1,761,000	775
Total noninterest income	$265,000	3,533
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$90,000	2,943
Trading account gains and fees	NA	NA
Additional Noninterest Income	$175,000	3,446
Total noninterest expense	$4,843,000	1,980
Salaries and employee benefits	$2,360,000	2,207
Premises and equipment expense	$944,000	1,234
Additional noninterest expense	$1,539,000	1,847
Pre-tax net operating income	$638,000	3,491
Securities gains (losses)	$814,000	261
Applicable income taxes	$636,000	1,149
Income before extraordinary items	$816,000	3,073
Extraordinary gains, net	$0	4
Net income	$816,000	3,072
Minority interest net income	$0	65
Net income of bank and minority interests.	$816,000	3,073
Net charge-offs	$1,138,000	367
Cash dividends	$927,000	1,399
Sale, conversion, retirement of capital stock, net	$151,000	280
Net operating income	$172,940	4,346
2020-03-31 (YTD Data)		Rank
Total interest income	$4,202,000	1,736
Total interest expense	$807,000	1,677
Net interest income	$3,395,000	1,747
Provision for loan and lease losses	$1,290,000	528
Total noninterest income	$133,000	3,508
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$54,000	2,968
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	3,436
Total noninterest expense	$2,461,000	1,965
Salaries and employee benefits	$1,215,000	2,186
Premises and equipment expense	$457,000	1,283
Additional noninterest expense	$789,000	1,849
Pre-tax net operating income	$-223,000	4,923
Securities gains (losses)	$0	1,705
Applicable income taxes	$158,000	1,593
Income before extraordinary items	$-381,000	4,938
Extraordinary gains, net	$0	4
Net income	$-381,000	4,939
Minority interest net income	$0	56
Net income of bank and minority interests.	$-381,000	4,938
Net charge-offs	$620,000	325
Cash dividends	$927,000	870
Sale, conversion, retirement of capital stock, net	$78,000	273
Net operating income	$-381,000	4,969
2019-12-31 (YTD Data)		Rank
Total interest income	$18,106,000	1,651
Total interest expense	$3,864,000	1,515
Net interest income	$14,242,000	1,678
Provision for loan and lease losses	$0	3,973
Total noninterest income	$676,000	3,306
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$259,000	2,825
Trading account gains and fees	NA	NA
Additional Noninterest Income	$417,000	3,238
Total noninterest expense	$9,126,000	2,054
Salaries and employee benefits	$4,518,000	2,249
Premises and equipment expense	$1,711,000	1,333
Additional noninterest expense	$2,897,000	1,985
Pre-tax net operating income	$5,792,000	1,578
Securities gains (losses)	$0	2,379
Applicable income taxes	$1,829,000	957
Income before extraordinary items	$3,963,000	1,901
Extraordinary gains, net	$0	11
Net income	$3,963,000	1,903
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,963,000	1,903
Net charge-offs	$169,000	1,821
Cash dividends	$4,839,000	824
Sale, conversion, retirement of capital stock, net	$270,000	363
Net operating income	$3,963,000	1,865
2019-09-30 (YTD Data)		Rank
Total interest income	$13,708,000	1,654
Total interest expense	$2,961,000	1,499
Net interest income	$10,747,000	1,685
Provision for loan and lease losses	$0	3,836
Total noninterest income	$515,000	3,306
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$196,000	2,843
Trading account gains and fees	NA	NA
Additional Noninterest Income	$319,000	3,217
Total noninterest expense	$6,902,000	2,038
Salaries and employee benefits	$3,415,000	2,251
Premises and equipment expense	$1,275,000	1,353
Additional noninterest expense	$2,212,000	1,955
Pre-tax net operating income	$4,360,000	1,611
Securities gains (losses)	$0	2,167
Applicable income taxes	$1,373,000	991
Income before extraordinary items	$2,987,000	1,942
Extraordinary gains, net	$0	11
Net income	$2,987,000	1,942
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,987,000	1,943
Net charge-offs	$79,000	1,914
Cash dividends	$3,936,000	726
Sale, conversion, retirement of capital stock, net	$192,000	343
Net operating income	$2,987,000	1,910
2019-06-30 (YTD Data)		Rank
Total interest income	$9,167,000	1,652
Total interest expense	$1,973,000	1,477
Net interest income	$7,194,000	1,691
Provision for loan and lease losses	$0	3,685
Total noninterest income	$350,000	3,241
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$130,000	2,850
Trading account gains and fees	NA	NA
Additional Noninterest Income	$220,000	3,160
Total noninterest expense	$4,556,000	2,068
Salaries and employee benefits	$2,253,000	2,270
Premises and equipment expense	$831,000	1,383
Additional noninterest expense	$1,472,000	1,973
Pre-tax net operating income	$2,988,000	1,556
Securities gains (losses)	$0	1,702
Applicable income taxes	$952,000	941
Income before extraordinary items	$2,036,000	1,885
Extraordinary gains, net	$0	11
Net income	$2,036,000	1,884
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,036,000	1,885
Net charge-offs	$43,000	1,940
Cash dividends	$2,636,000	718
Sale, conversion, retirement of capital stock, net	$121,000	331
Net operating income	$2,036,000	1,855
2019-03-31 (YTD Data)		Rank
Total interest income	$4,539,000	1,663
Total interest expense	$949,000	1,488
Net interest income	$3,590,000	1,705
Provision for loan and lease losses	$0	3,406
Total noninterest income	$177,000	3,194
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$72,000	2,700
Trading account gains and fees	NA	NA
Additional Noninterest Income	$105,000	3,166
Total noninterest expense	$2,358,000	2,029
Salaries and employee benefits	$1,158,000	2,255
Premises and equipment expense	$481,000	1,241
Additional noninterest expense	$719,000	1,984
Pre-tax net operating income	$1,409,000	1,603
Securities gains (losses)	$0	1,087
Applicable income taxes	$402,000	1,044
Income before extraordinary items	$1,007,000	1,858
Extraordinary gains, net	$0	5
Net income	$1,007,000	1,856
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,007,000	1,857
Net charge-offs	$2,000	2,456
Cash dividends	$931,000	890
Sale, conversion, retirement of capital stock, net	$60,000	293
Net operating income	$1,007,000	1,837
2018-12-31 (YTD Data)		Rank
Total interest income	$17,665,000	1,611
Total interest expense	$2,646,000	1,576
Net interest income	$15,019,000	1,602
Provision for loan and lease losses	$675,000	1,182
Total noninterest income	$795,000	3,161
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$283,000	2,833
Trading account gains and fees	NA	NA
Additional Noninterest Income	$512,000	3,033
Total noninterest expense	$9,122,000	2,043
Salaries and employee benefits	$4,502,000	2,267
Premises and equipment expense	$1,916,000	1,224
Additional noninterest expense	$2,704,000	2,094
Pre-tax net operating income	$6,017,000	1,510
Securities gains (losses)	$-36,000	4,768
Applicable income taxes	$1,281,000	1,178
Income before extraordinary items	$4,700,000	1,664
Extraordinary gains, net	$0	6
Net income	$4,700,000	1,663
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,700,000	1,663
Net charge-offs	$-93,000	5,034
Cash dividends	$3,470,000	980
Sale, conversion, retirement of capital stock, net	$59,000	537
Net operating income	$4,728,440	1,650
2018-09-30 (YTD Data)		Rank
Total interest income	$13,171,000	1,605
Total interest expense	$1,827,000	1,603
Net interest income	$11,344,000	1,583
Provision for loan and lease losses	$600,000	982
Total noninterest income	$576,000	3,223
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$209,000	2,875
Trading account gains and fees	NA	NA
Additional Noninterest Income	$367,000	3,123
Total noninterest expense	$6,931,000	2,019
Salaries and employee benefits	$3,412,000	2,249
Premises and equipment expense	$1,449,000	1,211
Additional noninterest expense	$2,070,000	2,065
Pre-tax net operating income	$4,389,000	1,563
Securities gains (losses)	$-36,000	5,069
Applicable income taxes	$817,000	1,360
Income before extraordinary items	$3,536,000	1,666
Extraordinary gains, net	$0	5
Net income	$3,536,000	1,664
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,536,000	1,665
Net charge-offs	$-35,000	4,823
Cash dividends	$2,561,000	882
Sale, conversion, retirement of capital stock, net	$44,000	506
Net operating income	$3,565,160	1,642
2018-06-30 (YTD Data)		Rank
Total interest income	$8,634,000	1,612
Total interest expense	$1,155,000	1,588
Net interest income	$7,479,000	1,595
Provision for loan and lease losses	$450,000	888
Total noninterest income	$365,000	3,310
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$138,000	2,886
Trading account gains and fees	NA	NA
Additional Noninterest Income	$227,000	3,214
Total noninterest expense	$4,634,000	2,034
Salaries and employee benefits	$2,291,000	2,252
Premises and equipment expense	$968,000	1,206
Additional noninterest expense	$1,375,000	2,082
Pre-tax net operating income	$2,760,000	1,614
Securities gains (losses)	$-36,000	5,219
Applicable income taxes	$324,000	1,799
Income before extraordinary items	$2,400,000	1,629
Extraordinary gains, net	$0	6
Net income	$2,400,000	1,628
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,400,000	1,628
Net charge-offs	$-10,000	4,519
Cash dividends	$1,609,000	902
Sale, conversion, retirement of capital stock, net	$29,000	494
Net operating income	$2,431,680	1,598
2018-03-31 (YTD Data)		Rank
Total interest income	$4,243,000	1,625
Total interest expense	$569,000	1,558
Net interest income	$3,674,000	1,619
Provision for loan and lease losses	$375,000	579
Total noninterest income	$185,000	3,282
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$74,000	2,803
Trading account gains and fees	NA	NA
Additional Noninterest Income	$111,000	3,197
Total noninterest expense	$2,416,000	1,977
Salaries and employee benefits	$1,200,000	2,188
Premises and equipment expense	$497,000	1,205
Additional noninterest expense	$719,000	1,987
Pre-tax net operating income	$1,068,000	1,949
Securities gains (losses)	$-36,000	5,375
Applicable income taxes	$-7,000	5,446
Income before extraordinary items	$1,039,000	1,782
Extraordinary gains, net	$0	7
Net income	$1,039,000	1,781
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,039,000	1,782
Net charge-offs	$-1,000	3,770
Cash dividends	$889,000	798
Sale, conversion, retirement of capital stock, net	$15,000	461
Net operating income	$1,075,000	1,723
2017-12-31 (YTD Data)		Rank
Total interest income	$13,395,000	1,936
Total interest expense	$1,420,000	2,014
Net interest income	$11,975,000	1,914
Provision for loan and lease losses	$430,000	1,583
Total noninterest income	$554,000	3,808
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$244,000	3,165
Trading account gains and fees	NA	NA
Additional Noninterest Income	$310,000	3,767
Total noninterest expense	$8,403,000	2,184
Salaries and employee benefits	$4,426,000	2,302
Premises and equipment expense	$1,541,000	1,486
Additional noninterest expense	$2,436,000	2,296
Pre-tax net operating income	$3,696,000	2,153
Securities gains (losses)	$-145,000	5,464
Applicable income taxes	$1,253,000	1,686
Income before extraordinary items	$2,298,000	2,457
Extraordinary gains, net	$0	9
Net income	$2,298,000	2,457
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,298,000	2,457
Net charge-offs	$-37,000	5,070
Cash dividends	$1,614,000	1,637
Sale, conversion, retirement of capital stock, net	$56,000	549
Net operating income	$2,392,250	2,377
2017-09-30 (YTD Data)		Rank
Total interest income	$9,759,000	1,981
Total interest expense	$939,000	2,172
Net interest income	$8,820,000	1,951
Provision for loan and lease losses	$340,000	1,502
Total noninterest income	$371,000	3,980
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$175,000	3,266
Trading account gains and fees	NA	NA
Additional Noninterest Income	$196,000	3,983
Total noninterest expense	$6,432,000	2,163
Salaries and employee benefits	$3,356,000	2,292
Premises and equipment expense	$1,168,000	1,475
Additional noninterest expense	$1,908,000	2,219
Pre-tax net operating income	$2,419,000	2,412
Securities gains (losses)	$-145,000	5,651
Applicable income taxes	$-400,000	5,696
Income before extraordinary items	$2,674,000	1,915
Extraordinary gains, net	$0	9
Net income	$2,674,000	1,915
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,674,000	1,915
Net charge-offs	$-29,000	5,029
Cash dividends	$914,000	1,795
Sale, conversion, retirement of capital stock, net	$41,000	525
Net operating income	$2,819,000	1,792
2017-06-30 (YTD Data)		Rank
Total interest income	$6,266,000	2,035
Total interest expense	$548,000	2,322
Net interest income	$5,718,000	1,989
Provision for loan and lease losses	$160,000	1,764
Total noninterest income	$179,000	4,376
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$115,000	3,292
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	4,697
Total noninterest expense	$4,256,000	2,185
Salaries and employee benefits	$2,195,000	2,337
Premises and equipment expense	$800,000	1,436
Additional noninterest expense	$1,261,000	2,233
Pre-tax net operating income	$1,481,000	2,514
Securities gains (losses)	$-145,000	5,722
Applicable income taxes	$60,000	3,218
Income before extraordinary items	$1,276,000	2,420
Extraordinary gains, net	$0	11
Net income	$1,276,000	2,420
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,276,000	2,420
Net charge-offs	$-52,000	5,298
Cash dividends	$499,000	2,046
Sale, conversion, retirement of capital stock, net	$27,000	510
Net operating income	$1,415,200	2,220
2017-03-31 (YTD Data)		Rank
Total interest income	$3,041,000	2,081
Total interest expense	$242,000	2,513
Net interest income	$2,799,000	2,013
Provision for loan and lease losses	$0	3,537
Total noninterest income	$28,000	5,355
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$57,000	3,310
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-29,000	5,828
Total noninterest expense	$2,155,000	2,180
Salaries and employee benefits	$1,133,000	2,299
Premises and equipment expense	$424,000	1,385
Additional noninterest expense	$598,000	2,329
Pre-tax net operating income	$672,000	2,601
Securities gains (losses)	$112,000	221
Applicable income taxes	$338,000	1,390
Income before extraordinary items	$446,000	2,947
Extraordinary gains, net	$0	8
Net income	$446,000	2,947
Minority interest net income	$0	55
Net income of bank and minority interests.	$446,000	2,947
Net charge-offs	$2,000	2,694
Cash dividends	$227,000	1,871
Sale, conversion, retirement of capital stock, net	$16,000	458
Net operating income	$374,320	3,233
2016-12-31 (YTD Data)		Rank
Total interest income	$11,367,000	2,164
Total interest expense	$747,000	2,910
Net interest income	$10,620,000	2,075
Provision for loan and lease losses	$75,000	3,346
Total noninterest income	$215,000	4,989
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$254,000	3,240
Trading account gains and fees	$0	170
Additional Noninterest Income	$-39,000	5,852
Total noninterest expense	$7,729,000	2,360
Salaries and employee benefits	$3,712,000	2,631
Premises and equipment expense	$1,383,000	1,638
Additional noninterest expense	$2,634,000	2,201
Pre-tax net operating income	$3,031,000	2,378
Securities gains (losses)	$0	3,212
Applicable income taxes	$1,276,000	1,413
Income before extraordinary items	$1,755,000	3,005
Extraordinary gains, net	$0	5
Net income	$1,755,000	3,004
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,755,000	3,004
Net charge-offs	$7,000	3,950
Cash dividends	$1,531,000	1,676
Sale, conversion, retirement of capital stock, net	$63,000	547
Net operating income	$1,755,000	2,960
2016-09-30 (YTD Data)		Rank
Total interest income	$8,322,000	2,209
Total interest expense	$535,000	3,012
Net interest income	$7,787,000	2,116
Provision for loan and lease losses	$30,000	3,648
Total noninterest income	$-76,000	5,956
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$188,000	3,275
Trading account gains and fees	$0	169
Additional Noninterest Income	$-264,000	5,965
Total noninterest expense	$5,700,000	2,392
Salaries and employee benefits	$2,741,000	2,666
Premises and equipment expense	$958,000	1,767
Additional noninterest expense	$2,001,000	2,179
Pre-tax net operating income	$1,981,000	2,637
Securities gains (losses)	$0	3,160
Applicable income taxes	$954,000	1,457
Income before extraordinary items	$1,027,000	3,450
Extraordinary gains, net	$0	5
Net income	$1,027,000	3,447
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,027,000	3,450
Net charge-offs	$32,000	2,868
Cash dividends	$1,358,000	1,377
Sale, conversion, retirement of capital stock, net	$47,000	518
Net operating income	$1,027,000	3,389
2016-06-30 (YTD Data)		Rank
Total interest income	$5,260,000	2,306
Total interest expense	$333,000	3,140
Net interest income	$4,927,000	2,215
Provision for loan and lease losses	$0	4,017
Total noninterest income	$850,000	2,304
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$109,000	3,490
Trading account gains and fees	$0	157
Additional Noninterest Income	$741,000	1,882
Total noninterest expense	$3,379,000	2,629
Salaries and employee benefits	$1,638,000	2,888
Premises and equipment expense	$551,000	1,992
Additional noninterest expense	$1,190,000	2,417
Pre-tax net operating income	$2,398,000	1,693
Securities gains (losses)	$0	2,835
Applicable income taxes	$691,000	1,368
Income before extraordinary items	$1,707,000	1,891
Extraordinary gains, net	$0	16
Net income	$1,707,000	1,890
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,707,000	1,890
Net charge-offs	$-9,000	4,932
Cash dividends	$943,000	1,379
Sale, conversion, retirement of capital stock, net	$31,000	504
Net operating income	$1,707,000	1,838
2016-03-31 (YTD Data)		Rank
Total interest income	$2,140,000	2,738
Total interest expense	$123,000	3,729
Net interest income	$2,017,000	2,619
Provision for loan and lease losses	$0	3,656
Total noninterest income	$84,000	4,599
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$41,000	3,874
Trading account gains and fees	$0	142
Additional Noninterest Income	$43,000	4,555
Total noninterest expense	$1,460,000	2,934
Salaries and employee benefits	$754,000	3,059
Premises and equipment expense	$214,000	2,428
Additional noninterest expense	$492,000	2,803
Pre-tax net operating income	$641,000	2,625
Securities gains (losses)	$0	2,077
Applicable income taxes	$256,000	1,629
Income before extraordinary items	$385,000	3,201
Extraordinary gains, net	$0	12
Net income	$385,000	3,199
Minority interest net income	$0	62
Net income of bank and minority interests.	$385,000	3,200
Net charge-offs	$11,000	2,283
Cash dividends	$558,000	1,123
Sale, conversion, retirement of capital stock, net	$15,000	478
Net operating income	$385,000	3,138
2015-12-31 (YTD Data)		Rank
Total interest income	$6,004,000	3,440
Total interest expense	$383,000	4,236
Net interest income	$5,621,000	3,327
Provision for loan and lease losses	$-40,000	5,658
Total noninterest income	$6,096,000	986
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$119,000	4,473
Trading account gains and fees	$0	159
Additional Noninterest Income	$5,977,000	712
Total noninterest expense	$4,490,000	3,465
Salaries and employee benefits	$2,416,000	3,496
Premises and equipment expense	$679,000	2,866
Additional noninterest expense	$1,395,000	3,574
Pre-tax net operating income	$7,267,000	1,162
Securities gains (losses)	$84,000	1,264
Applicable income taxes	$937,000	1,644
Income before extraordinary items	$6,414,000	1,095
Extraordinary gains, net	$0	23
Net income	$6,414,000	1,095
Minority interest net income	$0	81
Net income of bank and minority interests.	$6,414,000	1,095
Net charge-offs	$-68,000	5,650
Cash dividends	$1,445,000	1,690
Sale, conversion, retirement of capital stock, net	$47,000	609
Net operating income	$6,340,920	1,085
2015-09-30 (YTD Data)		Rank
Total interest income	$3,885,000	3,811
Total interest expense	$253,000	4,488
Net interest income	$3,632,000	3,694
Provision for loan and lease losses	$-40,000	5,856
Total noninterest income	$5,632,000	859
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$80,000	4,673
Trading account gains and fees	$0	153
Additional Noninterest Income	$5,552,000	624
Total noninterest expense	$3,068,000	3,686
Salaries and employee benefits	$1,742,000	3,597
Premises and equipment expense	$425,000	3,266
Additional noninterest expense	$901,000	3,940
Pre-tax net operating income	$6,236,000	1,052
Securities gains (losses)	$83,000	1,149
Applicable income taxes	$694,000	1,698
Income before extraordinary items	$5,625,000	945
Extraordinary gains, net	$0	21
Net income	$5,625,000	945
Minority interest net income	$0	78
Net income of bank and minority interests.	$5,625,000	945
Net charge-offs	$-50,000	5,606
Cash dividends	$1,136,000	1,481
Sale, conversion, retirement of capital stock, net	$32,000	586
Net operating income	$5,551,130	929
2015-06-30 (YTD Data)		Rank
Total interest income	$2,558,000	3,843
Total interest expense	$164,000	4,574
Net interest income	$2,394,000	3,733
Provision for loan and lease losses	$90,000	2,323
Total noninterest income	$741,000	2,532
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$53,000	4,688
Trading account gains and fees	$0	157
Additional Noninterest Income	$688,000	1,988
Total noninterest expense	$1,993,000	3,771
Salaries and employee benefits	$1,046,000	3,860
Premises and equipment expense	$256,000	3,486
Additional noninterest expense	$691,000	3,615
Pre-tax net operating income	$1,052,000	2,970
Securities gains (losses)	$83,000	929
Applicable income taxes	$457,000	1,715
Income before extraordinary items	$678,000	3,469
Extraordinary gains, net	$0	22
Net income	$678,000	3,469
Minority interest net income	$0	75
Net income of bank and minority interests.	$678,000	3,470
Net charge-offs	$24,000	2,829
Cash dividends	$950,000	1,295
Sale, conversion, retirement of capital stock, net	$16,000	602
Net operating income	$624,880	3,547
2015-03-31 (YTD Data)		Rank
Total interest income	$1,306,000	3,817
Total interest expense	$84,000	4,586
Net interest income	$1,222,000	3,681
Provision for loan and lease losses	$90,000	1,532
Total noninterest income	$67,000	4,993
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$27,000	4,656
Trading account gains and fees	$0	152
Additional Noninterest Income	$40,000	4,757
Total noninterest expense	$997,000	3,803
Salaries and employee benefits	$506,000	3,950
Premises and equipment expense	$143,000	3,298
Additional noninterest expense	$348,000	3,603
Pre-tax net operating income	$202,000	4,420
Securities gains (losses)	$83,000	651
Applicable income taxes	$115,000	2,325
Income before extraordinary items	$170,000	4,527
Extraordinary gains, net	$0	13
Net income	$170,000	4,529
Minority interest net income	$0	64
Net income of bank and minority interests.	$170,000	4,531
Net charge-offs	$31,000	1,862
Cash dividends	$220,000	1,781
Sale, conversion, retirement of capital stock, net	$8,000	574
Net operating income	$116,880	4,900
2014-12-31 (YTD Data)		Rank
Total interest income	$5,216,000	3,869
Total interest expense	$307,000	4,910
Net interest income	$4,909,000	3,699
Provision for loan and lease losses	$120,000	2,961
Total noninterest income	$-11,000	6,412
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$111,000	4,839
Trading account gains and fees	$0	180
Additional Noninterest Income	$-122,000	6,399
Total noninterest expense	$3,846,000	3,916
Salaries and employee benefits	$1,984,000	4,003
Premises and equipment expense	$554,000	3,408
Additional noninterest expense	$1,308,000	3,857
Pre-tax net operating income	$932,000	4,263
Securities gains (losses)	$647,000	319
Applicable income taxes	$626,000	2,004
Income before extraordinary items	$953,000	4,042
Extraordinary gains, net	$0	17
Net income	$953,000	4,041
Minority interest net income	$0	84
Net income of bank and minority interests.	$953,000	4,043
Net charge-offs	$115,000	3,038
Cash dividends	$240,000	3,589
Sale, conversion, retirement of capital stock, net	$34,000	695
Net operating income	$538,920	4,782
2014-09-30 (YTD Data)		Rank
Total interest income	$3,825,000	3,960
Total interest expense	$220,000	5,062
Net interest income	$3,605,000	3,788
Provision for loan and lease losses	$120,000	2,607
Total noninterest income	$43,000	6,291
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$79,000	4,978
Trading account gains and fees	$0	174
Additional Noninterest Income	$-36,000	6,447
Total noninterest expense	$2,821,000	3,985
Salaries and employee benefits	$1,403,000	4,145
Premises and equipment expense	$423,000	3,409
Additional noninterest expense	$995,000	3,847
Pre-tax net operating income	$707,000	4,334
Securities gains (losses)	$235,000	575
Applicable income taxes	$372,000	2,264
Income before extraordinary items	$570,000	4,420
Extraordinary gains, net	$0	15
Net income	$570,000	4,421
Minority interest net income	$0	81
Net income of bank and minority interests.	$570,000	4,422
Net charge-offs	$97,000	2,723
Cash dividends	$120,000	3,367
Sale, conversion, retirement of capital stock, net	$25,000	655
Net operating income	$419,600	4,822
2014-06-30 (YTD Data)		Rank
Total interest income	$2,530,000	3,980
Total interest expense	$137,000	5,219
Net interest income	$2,393,000	3,794
Provision for loan and lease losses	$120,000	2,134
Total noninterest income	$-4,000	6,567
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$49,000	5,099
Trading account gains and fees	$0	172
Additional Noninterest Income	$-53,000	6,556
Total noninterest expense	$1,900,000	3,991
Salaries and employee benefits	$909,000	4,248
Premises and equipment expense	$284,000	3,422
Additional noninterest expense	$707,000	3,717
Pre-tax net operating income	$369,000	4,633
Securities gains (losses)	$188,000	505
Applicable income taxes	$220,000	2,325
Income before extraordinary items	$337,000	4,554
Extraordinary gains, net	$0	20
Net income	$337,000	4,557
Minority interest net income	$0	80
Net income of bank and minority interests.	$337,000	4,558
Net charge-offs	$64,000	2,573
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$18,000	616
Net operating income	$216,680	5,088
2014-03-31 (YTD Data)		Rank
Total interest income	$1,264,000	3,996
Total interest expense	$59,000	5,497
Net interest income	$1,205,000	3,782
Provision for loan and lease losses	$0	3,817
Total noninterest income	$-55,000	6,672
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$23,000	5,185
Trading account gains and fees	$0	147
Additional Noninterest Income	$-78,000	6,651
Total noninterest expense	$902,000	4,139
Salaries and employee benefits	$406,000	4,534
Premises and equipment expense	$162,000	3,175
Additional noninterest expense	$334,000	3,866
Pre-tax net operating income	$248,000	4,114
Securities gains (losses)	$0	1,715
Applicable income taxes	$87,000	2,474
Income before extraordinary items	$161,000	4,579
Extraordinary gains, net	$0	16
Net income	$161,000	4,583
Minority interest net income	$0	66
Net income of bank and minority interests.	$161,000	4,583
Net charge-offs	$2,000	3,350
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$9,000	584
Net operating income	$161,000	4,528
2013-12-31 (YTD Data)		Rank
Total interest income	$4,770,000	4,201
Total interest expense	$183,000	6,003
Net interest income	$4,587,000	3,923
Provision for loan and lease losses	$-285,000	6,512
Total noninterest income	$-4,000	6,666
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$104,000	5,197
Trading account gains and fees	$0	184
Additional Noninterest Income	$-108,000	6,620
Total noninterest expense	$3,429,000	4,307
Salaries and employee benefits	$1,564,000	4,653
Premises and equipment expense	$450,000	3,967
Additional noninterest expense	$1,415,000	3,799
Pre-tax net operating income	$1,439,000	3,486
Securities gains (losses)	$267,000	745
Applicable income taxes	$-5,059,000	6,768
Income before extraordinary items	$6,765,000	921
Extraordinary gains, net	$0	29
Net income	$6,765,000	922
Minority interest net income	$0	90
Net income of bank and minority interests.	$6,765,000	922
Net charge-offs	$186,000	3,097
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$36,000	714
Net operating income	$6,498,000	928
2013-09-30 (YTD Data)		Rank
Total interest income	$3,570,000	4,257
Total interest expense	$128,000	6,158
Net interest income	$3,442,000	3,939
Provision for loan and lease losses	$-300,000	6,674
Total noninterest income	$-70,000	6,802
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$77,000	5,272
Trading account gains and fees	$0	180
Additional Noninterest Income	$-147,000	6,770
Total noninterest expense	$2,569,000	4,332
Salaries and employee benefits	$1,136,000	4,749
Premises and equipment expense	$322,000	4,108
Additional noninterest expense	$1,111,000	3,689
Pre-tax net operating income	$1,103,000	3,509
Securities gains (losses)	$267,000	691
Applicable income taxes	$-5,170,000	6,862
Income before extraordinary items	$6,540,000	736
Extraordinary gains, net	$0	25
Net income	$6,540,000	736
Minority interest net income	$0	84
Net income of bank and minority interests.	$6,540,000	738
Net charge-offs	$187,000	2,647
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$25,000	684
Net operating income	$6,273,000	742
2013-06-30 (YTD Data)		Rank
Total interest income	$2,409,000	4,216
Total interest expense	$86,000	6,217
Net interest income	$2,323,000	3,901
Provision for loan and lease losses	$70,000	3,283
Total noninterest income	$-144,000	6,874
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$52,000	5,236
Trading account gains and fees	$0	157
Additional Noninterest Income	$-196,000	6,853
Total noninterest expense	$1,664,000	4,421
Salaries and employee benefits	$728,000	4,886
Premises and equipment expense	$223,000	4,062
Additional noninterest expense	$713,000	3,779
Pre-tax net operating income	$445,000	4,314
Securities gains (losses)	$267,000	611
Applicable income taxes	$4,000	4,412
Income before extraordinary items	$708,000	3,284
Extraordinary gains, net	$0	22
Net income	$708,000	3,285
Minority interest net income	$0	82
Net income of bank and minority interests.	$708,000	3,287
Net charge-offs	$393,000	1,457
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$11,000	694
Net operating income	$443,670	4,037
2013-03-31 (YTD Data)		Rank
Total interest income	$1,274,000	4,108
Total interest expense	$45,000	6,259
Net interest income	$1,229,000	3,778
Provision for loan and lease losses	$70,000	2,504
Total noninterest income	$-137,000	6,971
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$24,000	5,346
Trading account gains and fees	$0	148
Additional Noninterest Income	$-161,000	6,955
Total noninterest expense	$816,000	4,493
Salaries and employee benefits	$342,000	5,083
Premises and equipment expense	$122,000	3,857
Additional noninterest expense	$352,000	3,829
Pre-tax net operating income	$206,000	4,416
Securities gains (losses)	$0	1,966
Applicable income taxes	$4,000	4,268
Income before extraordinary items	$202,000	4,257
Extraordinary gains, net	$0	10
Net income	$202,000	4,260
Minority interest net income	$0	76
Net income of bank and minority interests.	$202,000	4,259
Net charge-offs	$306,000	1,044
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$6,000	645
Net operating income	$202,000	4,160
2012-12-31 (YTD Data)		Rank
Total interest income	$4,118,000	4,800
Total interest expense	$229,000	6,279
Net interest income	$3,889,000	4,481
Provision for loan and lease losses	$145,000	4,319
Total noninterest income	$-51,000	6,885
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$98,000	5,473
Trading account gains and fees	$0	166
Additional Noninterest Income	$-149,000	6,776
Total noninterest expense	$3,916,000	4,083
Salaries and employee benefits	$1,908,000	4,245
Premises and equipment expense	$516,000	3,745
Additional noninterest expense	$1,492,000	3,799
Pre-tax net operating income	$-223,000	6,368
Securities gains (losses)	$773,000	674
Applicable income taxes	$12,000	4,347
Income before extraordinary items	$538,000	4,840
Extraordinary gains, net	$0	29
Net income	$538,000	4,841
Minority interest net income	$0	93
Net income of bank and minority interests.	$538,000	4,842
Net charge-offs	$492,000	2,673
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$33,000	768
Net operating income	$-219,540	6,389
2012-09-30 (YTD Data)		Rank
Total interest income	$3,036,000	4,927
Total interest expense	$178,000	6,378
Net interest income	$2,858,000	4,606
Provision for loan and lease losses	$70,000	4,710
Total noninterest income	$-105,000	7,025
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$70,000	5,613
Trading account gains and fees	$0	157
Additional Noninterest Income	$-175,000	6,967
Total noninterest expense	$2,925,000	4,122
Salaries and employee benefits	$1,479,000	4,180
Premises and equipment expense	$392,000	3,762
Additional noninterest expense	$1,054,000	3,966
Pre-tax net operating income	$-242,000	6,550
Securities gains (losses)	$482,000	769
Applicable income taxes	$8,000	4,434
Income before extraordinary items	$232,000	5,586
Extraordinary gains, net	$0	20
Net income	$232,000	5,585
Minority interest net income	$0	86
Net income of bank and minority interests.	$232,000	5,585
Net charge-offs	$469,000	2,276
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$28,000	711
Net operating income	$-235,540	6,563
2012-06-30 (YTD Data)		Rank
Total interest income	$2,017,000	4,977
Total interest expense	$126,000	6,395
Net interest income	$1,891,000	4,646
Provision for loan and lease losses	$70,000	4,240
Total noninterest income	$-204,000	7,143
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$45,000	5,675
Trading account gains and fees	$0	153
Additional Noninterest Income	$-249,000	7,098
Total noninterest expense	$2,037,000	4,036
Salaries and employee benefits	$1,076,000	3,985
Premises and equipment expense	$262,000	3,753
Additional noninterest expense	$699,000	3,988
Pre-tax net operating income	$-420,000	6,771
Securities gains (losses)	$482,000	564
Applicable income taxes	$0	4,770
Income before extraordinary items	$62,000	6,166
Extraordinary gains, net	$0	19
Net income	$62,000	6,166
Minority interest net income	$0	84
Net income of bank and minority interests.	$62,000	6,166
Net charge-offs	$237,000	2,560
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$20,000	678
Net operating income	$-420,000	6,787
2012-03-31 (YTD Data)		Rank
Total interest income	$998,000	5,049
Total interest expense	$64,000	6,471
Net interest income	$934,000	4,717
Provision for loan and lease losses	$0	5,254
Total noninterest income	$-281,000	7,257
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$23,000	5,630
Trading account gains and fees	$0	148
Additional Noninterest Income	$-304,000	7,246
Total noninterest expense	$1,035,000	4,009
Salaries and employee benefits	$511,000	4,145
Premises and equipment expense	$131,000	3,785
Additional noninterest expense	$393,000	3,677
Pre-tax net operating income	$-382,000	6,993
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$-382,000	7,032
Extraordinary gains, net	$0	19
Net income	$-382,000	7,031
Minority interest net income	$0	78
Net income of bank and minority interests.	$-382,000	7,032
Net charge-offs	$154,000	2,060
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$10,000	618
Net operating income	$-382,000	7,009
2011-12-31 (YTD Data)		Rank
Total interest income	$4,211,000	5,027
Total interest expense	$361,000	6,349
Net interest income	$3,850,000	4,646
Provision for loan and lease losses	$-724,000	7,319
Total noninterest income	$-74,000	7,065
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$127,000	5,160
Trading account gains and fees	$0	146
Additional Noninterest Income	$-201,000	6,958
Total noninterest expense	$3,815,000	4,253
Salaries and employee benefits	$1,837,000	4,387
Premises and equipment expense	$616,000	3,519
Additional noninterest expense	$1,362,000	4,115
Pre-tax net operating income	$685,000	4,317
Securities gains (losses)	$0	3,838
Applicable income taxes	$0	4,719
Income before extraordinary items	$685,000	4,188
Extraordinary gains, net	$0	29
Net income	$685,000	4,190
Minority interest net income	$0	96
Net income of bank and minority interests.	$685,000	4,190
Net charge-offs	$692,000	2,797
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$170,000	556
Net operating income	$685,000	4,058
2011-09-30 (YTD Data)		Rank
Total interest income	$3,107,000	5,115
Total interest expense	$292,000	6,353
Net interest income	$2,815,000	4,732
Provision for loan and lease losses	$-299,000	7,383
Total noninterest income	$108,000	6,203
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$94,000	5,214
Trading account gains and fees	$0	145
Additional Noninterest Income	$14,000	6,536
Total noninterest expense	$2,764,000	4,348
Salaries and employee benefits	$1,349,000	4,442
Premises and equipment expense	$433,000	3,718
Additional noninterest expense	$982,000	4,223
Pre-tax net operating income	$458,000	4,589
Securities gains (losses)	$0	3,555
Applicable income taxes	$0	4,740
Income before extraordinary items	$458,000	4,466
Extraordinary gains, net	$0	21
Net income	$458,000	4,467
Minority interest net income	$0	87
Net income of bank and minority interests.	$458,000	4,467
Net charge-offs	$918,000	1,988
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$160,000	486
Net operating income	$458,000	4,331
2011-06-30 (YTD Data)		Rank
Total interest income	$2,064,000	5,164
Total interest expense	$213,000	6,332
Net interest income	$1,851,000	4,794
Provision for loan and lease losses	$-299,000	7,459
Total noninterest income	$90,000	5,985
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$53,000	5,467
Trading account gains and fees	$0	153
Additional Noninterest Income	$37,000	5,755
Total noninterest expense	$1,861,000	4,361
Salaries and employee benefits	$882,000	4,546
Premises and equipment expense	$332,000	3,393
Additional noninterest expense	$647,000	4,315
Pre-tax net operating income	$379,000	4,287
Securities gains (losses)	$0	2,914
Applicable income taxes	$0	4,697
Income before extraordinary items	$379,000	4,077
Extraordinary gains, net	$0	15
Net income	$379,000	4,077
Minority interest net income	$0	89
Net income of bank and minority interests.	$379,000	4,079
Net charge-offs	$896,000	1,571
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$150,000	350
Net operating income	$379,000	3,986
2011-03-31 (YTD Data)		Rank
Total interest income	$1,028,000	5,198
Total interest expense	$113,000	6,333
Net interest income	$915,000	4,811
Provision for loan and lease losses	$-300,000	7,534
Total noninterest income	$-33,000	7,375
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$26,000	5,445
Trading account gains and fees	$0	158
Additional Noninterest Income	$-59,000	7,312
Total noninterest expense	$932,000	4,390
Salaries and employee benefits	$424,000	4,693
Premises and equipment expense	$174,000	3,314
Additional noninterest expense	$334,000	4,228
Pre-tax net operating income	$250,000	3,828
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$250,000	3,587
Extraordinary gains, net	$0	9
Net income	$250,000	3,585
Minority interest net income	$0	86
Net income of bank and minority interests.	$250,000	3,585
Net charge-offs	$220,000	2,041
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$-38,000	7,532
Net operating income	$250,000	3,522
2010-12-31 (YTD Data)		Rank
Total interest income	$4,227,000	5,274
Total interest expense	$624,000	6,178
Net interest income	$3,603,000	4,873
Provision for loan and lease losses	$1,267,000	2,692
Total noninterest income	$294,000	5,430
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$172,000	4,681
Trading account gains and fees	$0	175
Additional Noninterest Income	$122,000	5,212
Total noninterest expense	$3,505,000	4,593
Salaries and employee benefits	$1,866,000	4,429
Premises and equipment expense	$443,000	4,496
Additional noninterest expense	$1,196,000	4,620
Pre-tax net operating income	$-875,000	6,421
Securities gains (losses)	$0	3,793
Applicable income taxes	$0	4,655
Income before extraordinary items	$-875,000	6,533
Extraordinary gains, net	$0	29
Net income	$-875,000	6,534
Minority interest net income	$0	111
Net income of bank and minority interests.	$-875,000	6,534
Net charge-offs	$2,115,000	1,796
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$25,000	1,066
Net operating income	$-875,000	6,495
2010-09-30 (YTD Data)		Rank
Total interest income	$3,182,000	5,353
Total interest expense	$493,000	6,233
Net interest income	$2,689,000	4,937
Provision for loan and lease losses	$1,267,000	2,203
Total noninterest income	$240,000	5,389
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$130,000	4,741
Trading account gains and fees	$0	165
Additional Noninterest Income	$110,000	5,088
Total noninterest expense	$2,774,000	4,448
Salaries and employee benefits	$1,424,000	4,421
Premises and equipment expense	$448,000	3,790
Additional noninterest expense	$902,000	4,598
Pre-tax net operating income	$-1,112,000	6,827
Securities gains (losses)	$0	3,651
Applicable income taxes	$0	4,726
Income before extraordinary items	$-1,112,000	6,938
Extraordinary gains, net	$0	23
Net income	$-1,112,000	6,938
Minority interest net income	$0	110
Net income of bank and minority interests.	$-1,112,000	6,938
Net charge-offs	$1,958,000	1,527
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$41,000	866
Net operating income	$-1,112,000	6,900
2010-06-30 (YTD Data)		Rank
Total interest income	$2,127,000	5,389
Total interest expense	$339,000	6,267
Net interest income	$1,788,000	4,969
Provision for loan and lease losses	$1,267,000	1,683
Total noninterest income	$153,000	5,451
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$83,000	4,815
Trading account gains and fees	$0	152
Additional Noninterest Income	$70,000	5,158
Total noninterest expense	$1,924,000	4,350
Salaries and employee benefits	$955,000	4,429
Premises and equipment expense	$298,000	3,821
Additional noninterest expense	$671,000	4,280
Pre-tax net operating income	$-1,250,000	7,103
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$-1,250,000	7,171
Extraordinary gains, net	$0	19
Net income	$-1,250,000	7,170
Minority interest net income	$0	105
Net income of bank and minority interests.	$-1,250,000	7,171
Net charge-offs	$1,846,000	1,195
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$29,000	796
Net operating income	$-1,250,000	7,151
2010-03-31 (YTD Data)		Rank
Total interest income	$1,060,000	5,471
Total interest expense	$175,000	6,335
Net interest income	$885,000	5,024
Provision for loan and lease losses	$361,000	2,183
Total noninterest income	$65,000	5,755
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$37,000	5,011
Trading account gains and fees	$0	175
Additional Noninterest Income	$28,000	5,531
Total noninterest expense	$889,000	4,622
Salaries and employee benefits	$490,000	4,411
Premises and equipment expense	$154,000	3,821
Additional noninterest expense	$245,000	5,171
Pre-tax net operating income	$-300,000	6,968
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$-300,000	7,078
Extraordinary gains, net	$0	16
Net income	$-300,000	7,079
Minority interest net income	$0	91
Net income of bank and minority interests.	$-300,000	7,078
Net charge-offs	$734,000	1,278
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$16,000	712
Net operating income	$-300,000	7,039
2009-12-31 (YTD Data)		Rank
Total interest income	$4,852,000	5,208
Total interest expense	$959,000	6,110
Net interest income	$3,893,000	4,632
Provision for loan and lease losses	$10,748,000	816
Total noninterest income	$359,000	5,313
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$200,000	4,662
Trading account gains and fees	$0	211
Additional Noninterest Income	$159,000	5,002
Total noninterest expense	$5,570,000	3,377
Salaries and employee benefits	$2,187,000	4,091
Premises and equipment expense	$1,840,000	1,469
Additional noninterest expense	$1,543,000	3,999
Pre-tax net operating income	$-12,066,000	7,564
Securities gains (losses)	$53,000	2,587
Applicable income taxes	$151,000	2,596
Income before extraordinary items	$-12,164,000	7,613
Extraordinary gains, net	$0	34
Net income	$-12,164,000	7,613
Minority interest net income	$0	115
Net income of bank and minority interests.	$-12,164,000	7,613
Net charge-offs	$8,725,000	761
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$140,000	809
Net operating income	$-12,217,000	7,621
2009-09-30 (YTD Data)		Rank
Total interest income	$3,760,000	5,181
Total interest expense	$756,000	6,149
Net interest income	$3,004,000	4,578
Provision for loan and lease losses	$9,362,000	651
Total noninterest income	$221,000	5,703
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$148,000	4,706
Trading account gains and fees	$0	212
Additional Noninterest Income	$73,000	5,808
Total noninterest expense	$4,561,000	3,150
Salaries and employee benefits	$1,681,000	4,044
Premises and equipment expense	$1,713,000	1,203
Additional noninterest expense	$1,167,000	3,937
Pre-tax net operating income	$-10,698,000	7,761
Securities gains (losses)	$53,000	2,261
Applicable income taxes	$151,000	2,567
Income before extraordinary items	$-10,796,000	7,795
Extraordinary gains, net	$0	27
Net income	$-10,796,000	7,794
Minority interest net income	$0	118
Net income of bank and minority interests.	$-10,796,000	7,794
Net charge-offs	$6,615,000	671
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$123,000	692
Net operating income	$-10,849,000	7,802
2009-06-30 (YTD Data)		Rank
Total interest income	$2,444,000	5,304
Total interest expense	$513,000	6,217
Net interest income	$1,931,000	4,689
Provision for loan and lease losses	$9,362,000	469
Total noninterest income	$202,000	5,201
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$85,000	4,968
Trading account gains and fees	$0	193
Additional Noninterest Income	$117,000	4,530
Total noninterest expense	$3,639,000	2,731
Salaries and employee benefits	$1,166,000	3,965
Premises and equipment expense	$1,580,000	887
Additional noninterest expense	$893,000	3,578
Pre-tax net operating income	$-10,868,000	7,933
Securities gains (losses)	$53,000	1,874
Applicable income taxes	$151,000	2,262
Income before extraordinary items	$-10,966,000	7,963
Extraordinary gains, net	$0	21
Net income	$-10,966,000	7,962
Minority interest net income	$0	112
Net income of bank and minority interests.	$-10,966,000	7,962
Net charge-offs	$6,557,000	494
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$65,000	730
Net operating income	$-11,019,000	7,970
2009-03-31 (YTD Data)		Rank
Total interest income	$1,249,000	5,276
Total interest expense	$265,000	6,261
Net interest income	$984,000	4,628
Provision for loan and lease losses	$1,939,000	769
Total noninterest income	$80,000	5,580
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$38,000	5,114
Trading account gains and fees	$0	171
Additional Noninterest Income	$42,000	5,129
Total noninterest expense	$1,271,000	3,605
Salaries and employee benefits	$558,000	4,116
Premises and equipment expense	$241,000	2,757
Additional noninterest expense	$472,000	3,158
Pre-tax net operating income	$-2,146,000	7,849
Securities gains (losses)	$53,000	1,279
Applicable income taxes	$0	4,835
Income before extraordinary items	$-2,093,000	7,911
Extraordinary gains, net	$0	15
Net income	$-2,093,000	7,911
Minority interest net income	$0	102
Net income of bank and minority interests.	$-2,093,000	7,912
Net charge-offs	$230,000	2,032
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$34,000	605
Net operating income	$-2,146,000	7,916
2008-12-31 (YTD Data)		Rank
Total interest income	$6,488,000	4,705
Total interest expense	$1,854,000	5,498
Net interest income	$4,634,000	4,151
Provision for loan and lease losses	$2,285,000	1,655
Total noninterest income	$494,000	4,861
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$216,000	4,650
Trading account gains and fees	$0	154
Additional Noninterest Income	$278,000	4,238
Total noninterest expense	$4,573,000	3,837
Salaries and employee benefits	$2,403,000	3,896
Premises and equipment expense	$1,233,000	2,189
Additional noninterest expense	$937,000	5,025
Pre-tax net operating income	$-1,730,000	7,280
Securities gains (losses)	$25,000	2,045
Applicable income taxes	$0	4,979
Income before extraordinary items	$-1,705,000	7,282
Extraordinary gains, net	$0	39
Net income	$-1,705,000	7,279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$667,000	2,421
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$228,000	736
Net operating income	$-1,730,000	7,396
2008-09-30 (YTD Data)		Rank
Total interest income	$4,977,000	4,719
Total interest expense	$1,529,000	5,386
Net interest income	$3,448,000	4,199
Provision for loan and lease losses	$1,534,000	1,405
Total noninterest income	$392,000	4,852
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$166,000	4,628
Trading account gains and fees	$0	148
Additional Noninterest Income	$226,000	4,198
Total noninterest expense	$3,492,000	3,768
Salaries and employee benefits	$1,817,000	3,894
Premises and equipment expense	$995,000	2,054
Additional noninterest expense	$680,000	5,041
Pre-tax net operating income	$-1,186,000	7,624
Securities gains (losses)	$25,000	1,874
Applicable income taxes	$0	5,372
Income before extraordinary items	$-1,161,000	7,579
Extraordinary gains, net	$0	31
Net income	$-1,161,000	7,577
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$579,000	1,799
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$121,000	721
Net operating income	$-1,186,000	7,704
2008-06-30 (YTD Data)		Rank
Total interest income	$3,380,000	4,729
Total interest expense	$1,119,000	5,300
Net interest income	$2,261,000	4,246
Provision for loan and lease losses	$1,384,000	1,003
Total noninterest income	$262,000	4,905
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$104,000	4,763
Trading account gains and fees	$0	149
Additional Noninterest Income	$158,000	4,216
Total noninterest expense	$2,336,000	3,774
Salaries and employee benefits	$1,208,000	3,935
Premises and equipment expense	$770,000	1,780
Additional noninterest expense	$358,000	5,725
Pre-tax net operating income	$-1,197,000	7,998
Securities gains (losses)	$25,000	1,907
Applicable income taxes	$0	5,627
Income before extraordinary items	$-1,172,000	8,060
Extraordinary gains, net	$0	21
Net income	$-1,172,000	8,060
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,000	2,747
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$138,000	495
Net operating income	$-1,197,000	8,055
2008-03-31 (YTD Data)		Rank
Total interest income	$1,762,000	4,702
Total interest expense	$612,000	5,225
Net interest income	$1,150,000	4,215
Provision for loan and lease losses	$1,101,000	588
Total noninterest income	$128,000	4,948
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$53,000	4,696
Trading account gains and fees	$0	158
Additional Noninterest Income	$75,000	4,329
Total noninterest expense	$1,416,000	3,234
Salaries and employee benefits	$690,000	3,580
Premises and equipment expense	$346,000	1,970
Additional noninterest expense	$380,000	3,446
Pre-tax net operating income	$-1,239,000	8,306
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$-1,239,000	8,339
Extraordinary gains, net	$0	15
Net income	$-1,239,000	8,339
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$77,000	372
Net operating income	$-1,239,000	8,331
2007-12-31 (YTD Data)		Rank
Total interest income	$7,655,000	4,486
Total interest expense	$3,034,000	4,756
Net interest income	$4,621,000	4,216
Provision for loan and lease losses	$351,000	2,910
Total noninterest income	$472,000	5,138
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$170,000	5,201
Trading account gains and fees	$0	178
Additional Noninterest Income	$302,000	4,227
Total noninterest expense	$5,689,000	3,108
Salaries and employee benefits	$2,950,000	3,269
Premises and equipment expense	$1,190,000	2,181
Additional noninterest expense	$1,549,000	3,323
Pre-tax net operating income	$-947,000	8,030
Securities gains (losses)	$-64,000	8,059
Applicable income taxes	$-75,000	7,981
Income before extraordinary items	$-936,000	8,086
Extraordinary gains, net	$0	39
Net income	$-936,000	8,083
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	5,952
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$305,000	644
Net operating income	$-876,480	8,058
2007-09-30 (YTD Data)		Rank
Total interest income	$5,756,000	4,508
Total interest expense	$2,369,000	4,654
Net interest income	$3,387,000	4,308
Provision for loan and lease losses	$231,000	2,746
Total noninterest income	$355,000	5,174
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$126,000	5,253
Trading account gains and fees	$0	184
Additional Noninterest Income	$229,000	4,232
Total noninterest expense	$4,390,000	3,015
Salaries and employee benefits	$2,264,000	3,197
Premises and equipment expense	$936,000	2,072
Additional noninterest expense	$1,190,000	3,215
Pre-tax net operating income	$-879,000	8,253
Securities gains (losses)	$-64,000	8,219
Applicable income taxes	$-75,000	8,214
Income before extraordinary items	$-868,000	8,296
Extraordinary gains, net	$0	33
Net income	$-868,000	8,294
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$214,000	578
Net operating income	$-809,120	8,267
2007-06-30 (YTD Data)		Rank
Total interest income	$3,794,000	4,549
Total interest expense	$1,571,000	4,645
Net interest income	$2,223,000	4,387
Provision for loan and lease losses	$207,000	2,116
Total noninterest income	$253,000	5,054
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$86,000	5,219
Trading account gains and fees	$0	168
Additional Noninterest Income	$167,000	4,125
Total noninterest expense	$2,989,000	2,980
Salaries and employee benefits	$1,544,000	3,170
Premises and equipment expense	$629,000	2,060
Additional noninterest expense	$816,000	3,135
Pre-tax net operating income	$-720,000	8,381
Securities gains (losses)	$-64,000	8,345
Applicable income taxes	$-75,000	8,352
Income before extraordinary items	$-709,000	8,413
Extraordinary gains, net	$0	29
Net income	$-709,000	8,411
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$156,000	500
Net operating income	$-651,400	8,387
2007-03-31 (YTD Data)		Rank
Total interest income	$1,851,000	4,623
Total interest expense	$786,000	4,617
Net interest income	$1,065,000	4,513
Provision for loan and lease losses	$36,000	3,550
Total noninterest income	$130,000	4,935
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$47,000	5,004
Trading account gains and fees	$0	195
Additional Noninterest Income	$83,000	4,134
Total noninterest expense	$1,431,000	3,094
Salaries and employee benefits	$763,000	3,220
Premises and equipment expense	$329,000	1,982
Additional noninterest expense	$339,000	3,622
Pre-tax net operating income	$-272,000	8,383
Securities gains (losses)	$0	1,187
Applicable income taxes	$-129,000	8,529
Income before extraordinary items	$-143,000	8,253
Extraordinary gains, net	$0	22
Net income	$-143,000	8,252
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$117,000	318
Net operating income	$-143,000	8,242
2006-12-31 (YTD Data)		Rank
Total interest income	$6,995,000	4,566
Total interest expense	$2,217,000	5,135
Net interest income	$4,778,000	4,149
Provision for loan and lease losses	$127,000	4,298
Total noninterest income	$1,094,000	3,340
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$233,000	4,662
Trading account gains and fees	$0	130
Additional Noninterest Income	$861,000	2,465
Total noninterest expense	$5,438,000	3,119
Salaries and employee benefits	$2,819,000	3,300
Premises and equipment expense	$1,025,000	2,420
Additional noninterest expense	$1,594,000	3,133
Pre-tax net operating income	$307,000	7,096
Securities gains (losses)	$-44,000	7,894
Applicable income taxes	$-191,000	8,443
Income before extraordinary items	$454,000	6,321
Extraordinary gains, net	$0	51
Net income	$454,000	6,322
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,380
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$441,000	622
Net operating income	$498,000	6,164
2006-09-30 (YTD Data)		Rank
Total interest income	$5,029,000	4,672
Total interest expense	$1,424,000	5,478
Net interest income	$3,605,000	4,152
Provision for loan and lease losses	$97,000	4,157
Total noninterest income	$1,009,000	2,910
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$175,000	4,704
Trading account gains and fees	$0	126
Additional Noninterest Income	$834,000	2,070
Total noninterest expense	$3,906,000	3,231
Salaries and employee benefits	$2,035,000	3,398
Premises and equipment expense	$753,000	2,470
Additional noninterest expense	$1,118,000	3,306
Pre-tax net operating income	$611,000	5,821
Securities gains (losses)	$-44,000	8,139
Applicable income taxes	$-66,000	8,529
Income before extraordinary items	$633,000	5,231
Extraordinary gains, net	$0	45
Net income	$633,000	5,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	4,593
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$310,000	515
Net operating income	$677,000	5,073
2006-06-30 (YTD Data)		Rank
Total interest income	$3,308,000	4,674
Total interest expense	$813,000	5,773
Net interest income	$2,495,000	4,054
Provision for loan and lease losses	$67,000	3,949
Total noninterest income	$872,000	2,450
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$117,000	4,667
Trading account gains and fees	$0	126
Additional Noninterest Income	$755,000	1,663
Total noninterest expense	$2,480,000	3,366
Salaries and employee benefits	$1,289,000	3,551
Premises and equipment expense	$444,000	2,751
Additional noninterest expense	$747,000	3,306
Pre-tax net operating income	$820,000	4,271
Securities gains (losses)	$-44,000	8,336
Applicable income taxes	$5,000	6,332
Income before extraordinary items	$771,000	3,830
Extraordinary gains, net	$0	39
Net income	$771,000	3,834
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	3,889
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$193,000	438
Net operating income	$814,560	3,701
2006-03-31 (YTD Data)		Rank
Total interest income	$1,398,000	5,135
Total interest expense	$381,000	5,823
Net interest income	$1,017,000	4,662
Provision for loan and lease losses	$30,000	3,822
Total noninterest income	$211,000	3,868
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$58,000	4,612
Trading account gains and fees	$0	115
Additional Noninterest Income	$153,000	2,941
Total noninterest expense	$1,157,000	3,571
Salaries and employee benefits	$628,000	3,633
Premises and equipment expense	$247,000	2,492
Additional noninterest expense	$282,000	4,091
Pre-tax net operating income	$41,000	7,804
Securities gains (losses)	$-44,000	8,539
Applicable income taxes	$-1,000	8,441
Income before extraordinary items	$-2,000	8,214
Extraordinary gains, net	$0	21
Net income	$-2,000	8,215
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$62,000	375
Net operating income	$27,480	7,886
2005-12-31 (YTD Data)		Rank
Total interest income	$4,999,000	5,146
Total interest expense	$1,398,000	5,420
Net interest income	$3,601,000	4,932
Provision for loan and lease losses	$110,000	4,684
Total noninterest income	$547,000	5,035
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$237,000	4,686
Trading account gains and fees	$0	138
Additional Noninterest Income	$310,000	4,264
Total noninterest expense	$4,339,000	3,626
Salaries and employee benefits	$2,232,000	3,810
Premises and equipment expense	$896,000	2,612
Additional noninterest expense	$1,211,000	3,847
Pre-tax net operating income	$-301,000	8,429
Securities gains (losses)	$0	2,296
Applicable income taxes	$-158,000	8,653
Income before extraordinary items	$-143,000	8,393
Extraordinary gains, net	$0	46
Net income	$-143,000	8,392
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	$12,190,000	151
Net operating income	$-143,000	8,371
2005-09-30 (YTD Data)		Rank
Total interest income	$3,643,000	5,213
Total interest expense	$1,027,000	5,362
Net interest income	$2,616,000	5,040
Provision for loan and lease losses	$80,000	4,606
Total noninterest income	$397,000	5,134
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$173,000	4,778
Trading account gains and fees	$0	126
Additional Noninterest Income	$224,000	4,362
Total noninterest expense	$3,211,000	3,646
Salaries and employee benefits	$1,655,000	3,814
Premises and equipment expense	$637,000	2,719
Additional noninterest expense	$919,000	3,737
Pre-tax net operating income	$-278,000	8,520
Securities gains (losses)	$16,000	1,308
Applicable income taxes	$-145,000	8,740
Income before extraordinary items	$-117,000	8,465
Extraordinary gains, net	$0	35
Net income	$-117,000	8,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$12,141,000	105
Net operating income	$-127,240	8,446
2005-06-30 (YTD Data)		Rank
Total interest income	$2,389,000	5,210
Total interest expense	$678,000	5,249
Net interest income	$1,711,000	5,095
Provision for loan and lease losses	$50,000	4,523
Total noninterest income	$210,000	5,633
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$113,000	4,773
Trading account gains and fees	$0	116
Additional Noninterest Income	$97,000	5,252
Total noninterest expense	$2,124,000	3,644
Salaries and employee benefits	$1,131,000	3,731
Premises and equipment expense	$372,000	3,038
Additional noninterest expense	$621,000	3,693
Pre-tax net operating income	$-253,000	8,589
Securities gains (losses)	$0	2,146
Applicable income taxes	$-101,000	8,749
Income before extraordinary items	$-152,000	8,551
Extraordinary gains, net	$0	30
Net income	$-152,000	8,551
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$12,150,000	69
Net operating income	$-152,000	8,527
2005-03-31 (YTD Data)		Rank
Total interest income	$1,172,000	5,251
Total interest expense	$336,000	5,158
Net interest income	$836,000	5,202
Provision for loan and lease losses	$20,000	4,626
Total noninterest income	$84,000	6,049
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$49,000	5,045
Trading account gains and fees	$0	115
Additional Noninterest Income	$35,000	5,892
Total noninterest expense	$1,057,000	3,688
Salaries and employee benefits	$548,000	3,823
Premises and equipment expense	$193,000	2,966
Additional noninterest expense	$316,000	3,640
Pre-tax net operating income	$-157,000	8,698
Securities gains (losses)	$0	1,685
Applicable income taxes	$-53,000	8,804
Income before extraordinary items	$-104,000	8,672
Extraordinary gains, net	$0	24
Net income	$-104,000	8,672
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$12,150,000	32
Net operating income	$-104,000	8,648
2004-12-31 (YTD Data)		Rank
Total interest income	$3,534,000	5,943
Total interest expense	$1,233,000	5,043
Net interest income	$2,301,000	6,237
Provision for loan and lease losses	$0	7,314
Total noninterest income	$399,000	5,801
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$195,000	5,277
Trading account gains and fees	$0	138
Additional Noninterest Income	$204,000	5,074
Total noninterest expense	$3,271,000	4,398
Salaries and employee benefits	$1,657,000	4,614
Premises and equipment expense	$547,000	3,811
Additional noninterest expense	$1,067,000	4,120
Pre-tax net operating income	$-571,000	8,686
Securities gains (losses)	$176,000	896
Applicable income taxes	$-140,000	8,776
Income before extraordinary items	$-255,000	8,610
Extraordinary gains, net	$0	34
Net income	$-255,000	8,611
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$-369,400	8,629
2004-09-30 (YTD Data)		Rank
Total interest income	$2,561,000	6,050
Total interest expense	$899,000	5,094
Net interest income	$1,662,000	6,359
Provision for loan and lease losses	$0	7,100
Total noninterest income	$311,000	5,732
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$116,000	5,767
Trading account gains and fees	$0	134
Additional Noninterest Income	$195,000	4,551
Total noninterest expense	$2,502,000	4,299
Salaries and employee benefits	$1,284,000	4,454
Premises and equipment expense	$375,000	4,070
Additional noninterest expense	$843,000	3,924
Pre-tax net operating income	$-529,000	8,784
Securities gains (losses)	$176,000	831
Applicable income taxes	$-127,000	8,877
Income before extraordinary items	$-226,000	8,702
Extraordinary gains, net	$0	26
Net income	$-226,000	8,704
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-338,640	8,725
2004-06-30 (YTD Data)		Rank
Total interest income	$1,693,000	6,082
Total interest expense	$589,000	5,157
Net interest income	$1,104,000	6,392
Provision for loan and lease losses	$0	6,885
Total noninterest income	$235,000	5,443
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$76,000	5,812
Trading account gains and fees	$0	130
Additional Noninterest Income	$159,000	4,193
Total noninterest expense	$1,635,000	4,394
Salaries and employee benefits	$885,000	4,383
Premises and equipment expense	$215,000	4,547
Additional noninterest expense	$535,000	4,103
Pre-tax net operating income	$-296,000	8,814
Securities gains (losses)	$0	3,413
Applicable income taxes	$-109,000	8,947
Income before extraordinary items	$-187,000	8,785
Extraordinary gains, net	$0	21
Net income	$-187,000	8,786
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-187,000	8,756
2004-03-31 (YTD Data)		Rank
Total interest income	$856,000	6,073
Total interest expense	$295,000	5,218
Net interest income	$561,000	6,360
Provision for loan and lease losses	$0	6,501
Total noninterest income	$59,000	6,900
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$37,000	5,836
Trading account gains and fees	$0	121
Additional Noninterest Income	$22,000	6,653
Total noninterest expense	$639,000	5,222
Salaries and employee benefits	$353,000	5,165
Premises and equipment expense	$61,000	6,270
Additional noninterest expense	$225,000	4,652
Pre-tax net operating income	$-19,000	8,645
Securities gains (losses)	$0	2,934
Applicable income taxes	$-12,000	8,870
Income before extraordinary items	$-7,000	8,636
Extraordinary gains, net	$0	16
Net income	$-7,000	8,636
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-7,000	8,579
2003-12-31 (YTD Data)		Rank
Total interest income	$3,769,000	5,836
Total interest expense	$1,342,000	5,231
Net interest income	$2,427,000	6,006
Provision for loan and lease losses	$21,000	7,041
Total noninterest income	$170,000	7,611
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$117,000	6,317
Trading account gains and fees	$0	160
Additional Noninterest Income	$53,000	7,480
Total noninterest expense	$2,231,000	5,627
Salaries and employee benefits	$1,191,000	5,667
Premises and equipment expense	$229,000	6,442
Additional noninterest expense	$811,000	5,007
Pre-tax net operating income	$345,000	7,250
Securities gains (losses)	$176,000	1,429
Applicable income taxes	$220,000	4,786
Income before extraordinary items	$301,000	7,277
Extraordinary gains, net	$0	54
Net income	$301,000	7,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$188,360	7,690
2003-09-30 (YTD Data)		Rank
Total interest income	$2,921,000	5,807
Total interest expense	$1,038,000	5,257
Net interest income	$1,883,000	5,918
Provision for loan and lease losses	$21,000	6,714
Total noninterest income	$98,000	8,055
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$76,000	6,587
Trading account gains and fees	$0	153
Additional Noninterest Income	$22,000	8,174
Total noninterest expense	$1,613,000	5,725
Salaries and employee benefits	$863,000	5,747
Premises and equipment expense	$165,000	6,542
Additional noninterest expense	$585,000	5,098
Pre-tax net operating income	$347,000	6,961
Securities gains (losses)	$176,000	1,307
Applicable income taxes	$225,000	4,464
Income before extraordinary items	$298,000	6,959
Extraordinary gains, net	$0	40
Net income	$298,000	6,961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$185,360	7,535
2003-06-30 (YTD Data)		Rank
Total interest income	$2,014,000	5,722
Total interest expense	$725,000	5,228
Net interest income	$1,289,000	5,831
Provision for loan and lease losses	$18,000	6,396
Total noninterest income	$17,000	9,018
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$46,000	6,735
Trading account gains and fees	$0	150
Additional Noninterest Income	$-29,000	9,239
Total noninterest expense	$1,092,000	5,680
Salaries and employee benefits	$582,000	5,714
Premises and equipment expense	$116,000	6,372
Additional noninterest expense	$394,000	5,057
Pre-tax net operating income	$196,000	7,245
Securities gains (losses)	$0	3,782
Applicable income taxes	$56,000	5,804
Income before extraordinary items	$140,000	7,548
Extraordinary gains, net	$0	30
Net income	$140,000	7,550
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$140,000	7,362
2003-03-31 (YTD Data)		Rank
Total interest income	$1,055,000	5,594
Total interest expense	$382,000	5,174
Net interest income	$673,000	5,667
Provision for loan and lease losses	$10,000	6,044
Total noninterest income	$-16,000	9,293
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$21,000	6,829
Trading account gains and fees	$0	134
Additional Noninterest Income	$-37,000	9,301
Total noninterest expense	$519,000	5,876
Salaries and employee benefits	$264,000	6,066
Premises and equipment expense	$65,000	6,056
Additional noninterest expense	$190,000	5,155
Pre-tax net operating income	$128,000	6,785
Securities gains (losses)	$0	2,891
Applicable income taxes	$28,000	5,789
Income before extraordinary items	$100,000	6,907
Extraordinary gains, net	$0	21
Net income	$100,000	6,909
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$100,000	6,739
2002-12-31 (YTD Data)		Rank
Total interest income	$4,743,000	5,353
Total interest expense	$1,842,000	5,082
Net interest income	$2,901,000	5,383
Provision for loan and lease losses	$26,000	7,304
Total noninterest income	$136,000	7,997
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$85,000	6,837
Trading account gains and fees	$0	153
Additional Noninterest Income	$51,000	7,577
Total noninterest expense	$2,039,000	5,807
Salaries and employee benefits	$1,034,000	6,006
Premises and equipment expense	$257,000	6,043
Additional noninterest expense	$748,000	5,169
Pre-tax net operating income	$972,000	5,281
Securities gains (losses)	$50,000	2,409
Applicable income taxes	$212,000	5,024
Income before extraordinary items	$810,000	5,172
Extraordinary gains, net	$0	70
Net income	$810,000	5,171
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	4,612
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$770,500	5,167
2001-12-31 (YTD Data)		Rank
Total interest income	$4,891,000	5,698
Total interest expense	$2,434,000	5,479
Net interest income	$2,457,000	5,767
Provision for loan and lease losses	$34,000	7,144
Total noninterest income	$116,000	8,291
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$83,000	6,914
Trading account gains and fees	$0	177
Additional Noninterest Income	$33,000	8,253
Total noninterest expense	$1,821,000	6,086
Salaries and employee benefits	$960,000	6,134
Premises and equipment expense	$288,000	5,656
Additional noninterest expense	$573,000	6,011
Pre-tax net operating income	$718,000	5,755
Securities gains (losses)	$27,000	2,903
Applicable income taxes	$152,000	5,425
Income before extraordinary items	$593,000	5,657
Extraordinary gains, net	$0	105
Net income	$593,000	5,660
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$571,400	5,625
2000-12-31 (YTD Data)		Rank
Total interest income	$5,249,000	5,570
Total interest expense	$2,677,000	5,331
Net interest income	$2,572,000	5,702
Provision for loan and lease losses	$42,000	6,799
Total noninterest income	$111,000	8,437
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	7,055
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	8,376
Total noninterest expense	$1,734,000	6,201
Salaries and employee benefits	$849,000	6,503
Premises and equipment expense	$305,000	5,371
Additional noninterest expense	$580,000	5,912
Pre-tax net operating income	$907,000	5,525
Securities gains (losses)	$-9,000	8,282
Applicable income taxes	$176,000	5,654
Income before extraordinary items	$722,000	5,336
Extraordinary gains, net	$0	38
Net income	$722,000	5,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$729,200	5,313
1999-12-31 (YTD Data)		Rank
Total interest income	$5,201,000	5,432
Total interest expense	$2,724,000	4,941
Net interest income	$2,477,000	5,828
Provision for loan and lease losses	$0	8,503
Total noninterest income	$104,000	8,760
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	7,449
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	8,510
Total noninterest expense	$1,823,000	6,034
Salaries and employee benefits	$844,000	6,553
Premises and equipment expense	$279,000	5,696
Additional noninterest expense	$700,000	5,245
Pre-tax net operating income	$758,000	6,094
Securities gains (losses)	$0	3,155
Applicable income taxes	$128,000	6,543
Income before extraordinary items	$630,000	5,757
Extraordinary gains, net	$0	35
Net income	$630,000	5,755
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$630,000	5,726
1998-12-31 (YTD Data)		Rank
Total interest income	$5,312,000	5,440
Total interest expense	$2,931,000	4,821
Net interest income	$2,381,000	6,011
Provision for loan and lease losses	$24,000	7,567
Total noninterest income	$92,000	9,151
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	7,895
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	8,704
Total noninterest expense	$1,641,000	6,340
Salaries and employee benefits	$865,000	6,381
Premises and equipment expense	$197,000	6,767
Additional noninterest expense	$579,000	5,887
Pre-tax net operating income	$808,000	6,063
Securities gains (losses)	$0	4,449
Applicable income taxes	$170,000	6,583
Income before extraordinary items	$638,000	5,872
Extraordinary gains, net	$0	32
Net income	$638,000	5,871
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$638,000	5,764
1997-12-31 (YTD Data)		Rank
Total interest income	$5,344,000	5,533
Total interest expense	$2,938,000	4,810
Net interest income	$2,406,000	6,211
Provision for loan and lease losses	$54,000	6,513
Total noninterest income	$83,000	9,706
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$43,000	8,594
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	8,870
Total noninterest expense	$1,519,000	6,745
Salaries and employee benefits	$846,000	6,556
Premises and equipment expense	$171,000	7,366
Additional noninterest expense	$502,000	6,490
Pre-tax net operating income	$916,000	6,096
Securities gains (losses)	$2,000	3,292
Applicable income taxes	$154,000	7,551
Income before extraordinary items	$764,000	5,609
Extraordinary gains, net	$0	44
Net income	$764,000	5,613
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$762,340	5,570
1996-12-31 (YTD Data)		Rank
Total interest income	$5,401,000	5,606
Total interest expense	$3,037,000	4,739
Net interest income	$2,364,000	6,453
Provision for loan and lease losses	$12,000	8,364
Total noninterest income	$97,000	9,938
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	8,822
Trading account gains and fees	NA	NA
Additional Noninterest Income	$46,000	9,071
Total noninterest expense	$2,012,000	5,922
Salaries and employee benefits	$745,000	7,279
Premises and equipment expense	$181,000	7,400
Additional noninterest expense	$1,086,000	4,107
Pre-tax net operating income	$437,000	8,290
Securities gains (losses)	$48,000	1,356
Applicable income taxes	$116,000	8,455
Income before extraordinary items	$369,000	7,867
Extraordinary gains, net	$0	53
Net income	$369,000	7,866
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$332,520	8,079
1995-12-31 (YTD Data)		Rank
Total interest income	$5,332,000	5,709
Total interest expense	$2,991,000	4,773
Net interest income	$2,341,000	6,593
Provision for loan and lease losses	$12,000	8,132
Total noninterest income	$76,000	10,814
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$25,000	9,905
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	9,186
Total noninterest expense	$1,635,000	6,880
Salaries and employee benefits	$861,000	6,753
Premises and equipment expense	$177,000	7,669
Additional noninterest expense	$597,000	6,560
Pre-tax net operating income	$770,000	6,961
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$194,000	7,520
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	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$576,250	6,733
1994-12-31 (YTD Data)		Rank
Total interest income	$5,537,000	5,208
Total interest expense	$2,587,000	4,505
Net interest income	$2,950,000	5,677
Provision for loan and lease losses	$24,000	7,499
Total noninterest income	$84,000	11,144
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	10,526
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	8,968
Total noninterest expense	$1,407,000	7,891
Salaries and employee benefits	$662,000	8,177
Premises and equipment expense	$182,000	7,818
Additional noninterest expense	$563,000	7,317
Pre-tax net operating income	$1,603,000	4,162
Securities gains (losses)	$0	3,600
Applicable income taxes	$537,000	3,836
Income before extraordinary items	$1,066,000	4,289
Extraordinary gains, net	$0	249
Net income	$1,066,000	4,290
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,066,000	4,338
1993-12-31 (YTD Data)		Rank
Total interest income	$6,077,000	4,892
Total interest expense	$2,836,000	4,323
Net interest income	$3,241,000	5,291
Provision for loan and lease losses	$36,000	8,112
Total noninterest income	$84,000	11,715
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	10,719
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	9,919
Total noninterest expense	$1,385,000	8,237
Salaries and employee benefits	$656,000	8,335
Premises and equipment expense	$188,000	7,937
Additional noninterest expense	$541,000	7,851
Pre-tax net operating income	$1,904,000	3,482
Securities gains (losses)	$0	7,477
Applicable income taxes	$651,000	3,345
Income before extraordinary items	$1,253,000	3,854
Extraordinary gains, net	$-41,000	12,667
Net income	$1,212,000	4,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,253,000	3,643
1992-12-31 (YTD Data)		Rank
Total interest income	$6,681,000	5,023
Total interest expense	$3,789,000	4,258
Net interest income	$2,892,000	5,888
Provision for loan and lease losses	$1,000	11,714
Total noninterest income	$99,000	11,759
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	11,764
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	8,102
Total noninterest expense	$1,363,000	8,428
Salaries and employee benefits	$637,000	8,486
Premises and equipment expense	$173,000	8,493
Additional noninterest expense	$553,000	7,954
Pre-tax net operating income	$1,627,000	3,752
Securities gains (losses)	$0	8,369
Applicable income taxes	$514,000	3,918
Income before extraordinary items	$1,113,000	4,077
Extraordinary gains, net	$0	1,422
Net income	$1,113,000	4,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,113,000	3,782

* 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.