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SB One Bank, Income and Expense

2020-06-30 (YTD Data)		Rank
Total interest income	$42,428,000	420
Total interest expense	$10,259,000	309
Net interest income	$32,169,000	452
Provision for loan and lease losses	$1,289,000	927
Total noninterest income	$6,262,000	630
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$503,000	953
Trading account gains and fees	$0	123
Additional Noninterest Income	$5,759,000	520
Total noninterest expense	$23,660,000	522
Salaries and employee benefits	$14,525,000	470
Premises and equipment expense	$2,360,000	549
Additional noninterest expense	$6,775,000	545
Pre-tax net operating income	$13,482,000	390
Securities gains (losses)	$1,832,000	138
Applicable income taxes	$3,752,000	307
Income before extraordinary items	$11,562,000	396
Extraordinary gains, net	$0	4
Net income	$11,562,000	395
Minority interest net income	$0	65
Net income of bank and minority interests.	$11,562,000	396
Net charge-offs	$216,000	970
Cash dividends	$2,686,000	645
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$10,114,720	426
2020-03-31 (YTD Data)		Rank
Total interest income	$21,020,000	428
Total interest expense	$5,481,000	330
Net interest income	$15,539,000	468
Provision for loan and lease losses	$879,000	665
Total noninterest income	$3,640,000	532
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$327,000	869
Trading account gains and fees	$0	106
Additional Noninterest Income	$3,313,000	432
Total noninterest expense	$11,286,000	541
Salaries and employee benefits	$6,753,000	514
Premises and equipment expense	$1,182,000	561
Additional noninterest expense	$3,351,000	557
Pre-tax net operating income	$7,014,000	347
Securities gains (losses)	$0	1,705
Applicable income taxes	$1,570,000	321
Income before extraordinary items	$5,444,000	373
Extraordinary gains, net	$0	4
Net income	$5,444,000	371
Minority interest net income	$0	56
Net income of bank and minority interests.	$5,444,000	373
Net charge-offs	$280,000	514
Cash dividends	$1,767,000	563
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$5,444,000	366
2019-12-31 (YTD Data)		Rank
Total interest income	$82,456,000	434
Total interest expense	$21,971,000	356
Net interest income	$60,485,000	467
Provision for loan and lease losses	$2,531,000	437
Total noninterest income	$12,098,000	610
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,439,000	834
Trading account gains and fees	$0	135
Additional Noninterest Income	$10,659,000	499
Total noninterest expense	$40,891,000	576
Salaries and employee benefits	$24,864,000	532
Premises and equipment expense	$4,523,000	569
Additional noninterest expense	$11,504,000	616
Pre-tax net operating income	$29,161,000	461
Securities gains (losses)	$2,055,000	146
Applicable income taxes	$7,426,000	387
Income before extraordinary items	$23,790,000	467
Extraordinary gains, net	$0	11
Net income	$23,790,000	467
Minority interest net income	$0	76
Net income of bank and minority interests.	$23,790,000	467
Net charge-offs	$1,038,000	646
Cash dividends	$9,078,000	509
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$22,166,550	490
2019-09-30 (YTD Data)		Rank
Total interest income	$61,532,000	440
Total interest expense	$16,351,000	362
Net interest income	$45,181,000	473
Provision for loan and lease losses	$1,983,000	418
Total noninterest income	$9,365,000	588
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$1,075,000	831
Trading account gains and fees	$0	129
Additional Noninterest Income	$8,290,000	490
Total noninterest expense	$30,531,000	574
Salaries and employee benefits	$18,635,000	530
Premises and equipment expense	$3,383,000	570
Additional noninterest expense	$8,513,000	619
Pre-tax net operating income	$22,032,000	467
Securities gains (losses)	$1,524,000	156
Applicable income taxes	$5,404,000	397
Income before extraordinary items	$18,152,000	465
Extraordinary gains, net	$0	11
Net income	$18,152,000	465
Minority interest net income	$0	72
Net income of bank and minority interests.	$18,152,000	465
Net charge-offs	$1,008,000	494
Cash dividends	$6,713,000	486
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$16,948,040	485
2019-06-30 (YTD Data)		Rank
Total interest income	$40,669,000	443
Total interest expense	$10,510,000	369
Net interest income	$30,159,000	473
Provision for loan and lease losses	$1,347,000	385
Total noninterest income	$6,387,000	568
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$713,000	832
Trading account gains and fees	$0	131
Additional Noninterest Income	$5,674,000	469
Total noninterest expense	$20,529,000	572
Salaries and employee benefits	$12,428,000	524
Premises and equipment expense	$2,232,000	572
Additional noninterest expense	$5,869,000	605
Pre-tax net operating income	$14,670,000	459
Securities gains (losses)	$1,524,000	121
Applicable income taxes	$3,500,000	392
Income before extraordinary items	$12,694,000	439
Extraordinary gains, net	$0	11
Net income	$12,694,000	438
Minority interest net income	$0	69
Net income of bank and minority interests.	$12,694,000	439
Net charge-offs	$495,000	575
Cash dividends	$4,917,000	452
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$11,490,040	469
2019-03-31 (YTD Data)		Rank
Total interest income	$19,861,000	446
Total interest expense	$5,078,000	368
Net interest income	$14,783,000	482
Provision for loan and lease losses	$571,000	431
Total noninterest income	$3,589,000	526
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$336,000	866
Trading account gains and fees	$0	126
Additional Noninterest Income	$3,253,000	408
Total noninterest expense	$10,086,000	572
Salaries and employee benefits	$6,112,000	520
Premises and equipment expense	$1,012,000	630
Additional noninterest expense	$2,962,000	586
Pre-tax net operating income	$7,715,000	428
Securities gains (losses)	$0	1,087
Applicable income taxes	$1,560,000	424
Income before extraordinary items	$6,155,000	449
Extraordinary gains, net	$0	5
Net income	$6,155,000	449
Minority interest net income	$0	52
Net income of bank and minority interests.	$6,155,000	449
Net charge-offs	$156,000	715
Cash dividends	$2,770,000	405
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$6,155,000	440
2018-12-31 (YTD Data)		Rank
Total interest income	$56,843,000	569
Total interest expense	$11,346,000	469
Net interest income	$45,497,000	602
Provision for loan and lease losses	$1,437,000	654
Total noninterest income	$10,378,000	663
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,338,000	903
Trading account gains and fees	$0	126
Additional Noninterest Income	$9,040,000	536
Total noninterest expense	$39,934,000	557
Salaries and employee benefits	$20,648,000	609
Premises and equipment expense	$3,656,000	689
Additional noninterest expense	$15,630,000	458
Pre-tax net operating income	$14,504,000	767
Securities gains (losses)	$36,000	469
Applicable income taxes	$3,364,000	612
Income before extraordinary items	$11,176,000	834
Extraordinary gains, net	$0	6
Net income	$11,176,000	832
Minority interest net income	$0	72
Net income of bank and minority interests.	$11,176,000	833
Net charge-offs	$-3,000	4,310
Cash dividends	$4,184,000	838
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$11,147,560	834
2018-09-30 (YTD Data)		Rank
Total interest income	$41,348,000	576
Total interest expense	$7,586,000	480
Net interest income	$33,762,000	601
Provision for loan and lease losses	$1,227,000	560
Total noninterest income	$8,000,000	650
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$997,000	911
Trading account gains and fees	$0	138
Additional Noninterest Income	$7,003,000	531
Total noninterest expense	$29,765,000	550
Salaries and employee benefits	$15,450,000	610
Premises and equipment expense	$2,743,000	695
Additional noninterest expense	$11,572,000	460
Pre-tax net operating income	$10,770,000	766
Securities gains (losses)	$36,000	469
Applicable income taxes	$2,291,000	670
Income before extraordinary items	$8,515,000	826
Extraordinary gains, net	$0	5
Net income	$8,515,000	825
Minority interest net income	$0	66
Net income of bank and minority interests.	$8,515,000	825
Net charge-offs	$-32,000	4,806
Cash dividends	$2,246,000	977
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$8,486,560	825
2018-06-30 (YTD Data)		Rank
Total interest income	$26,910,000	577
Total interest expense	$4,491,000	498
Net interest income	$22,419,000	597
Provision for loan and lease losses	$906,000	504
Total noninterest income	$5,534,000	636
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$665,000	902
Trading account gains and fees	$0	130
Additional Noninterest Income	$4,869,000	517
Total noninterest expense	$20,882,000	533
Salaries and employee benefits	$10,433,000	603
Premises and equipment expense	$1,778,000	716
Additional noninterest expense	$8,671,000	422
Pre-tax net operating income	$6,165,000	870
Securities gains (losses)	$36,000	380
Applicable income taxes	$1,275,000	740
Income before extraordinary items	$4,926,000	925
Extraordinary gains, net	$0	6
Net income	$4,926,000	923
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,926,000	924
Net charge-offs	$-23,000	4,790
Cash dividends	$1,559,000	926
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$4,897,560	920
2018-03-31 (YTD Data)		Rank
Total interest income	$13,052,000	586
Total interest expense	$1,961,000	535
Net interest income	$11,091,000	600
Provision for loan and lease losses	$508,000	453
Total noninterest income	$2,851,000	618
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$338,000	891
Trading account gains and fees	$0	123
Additional Noninterest Income	$2,513,000	489
Total noninterest expense	$11,517,000	491
Salaries and employee benefits	$5,039,000	624
Premises and equipment expense	$802,000	795
Additional noninterest expense	$5,676,000	347
Pre-tax net operating income	$1,917,000	1,228
Securities gains (losses)	$0	735
Applicable income taxes	$296,000	1,233
Income before extraordinary items	$1,621,000	1,249
Extraordinary gains, net	$0	7
Net income	$1,621,000	1,249
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,621,000	1,249
Net charge-offs	$15,000	1,795
Cash dividends	$796,000	862
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,621,000	1,237
2017-12-31 (YTD Data)		Rank
Total interest income	$35,782,000	793
Total interest expense	$5,224,000	650
Net interest income	$30,558,000	821
Provision for loan and lease losses	$1,586,000	618
Total noninterest income	$8,258,000	792
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,167,000	1,041
Trading account gains and fees	$0	151
Additional Noninterest Income	$7,091,000	659
Total noninterest expense	$25,447,000	853
Salaries and employee benefits	$14,702,000	832
Premises and equipment expense	$2,493,000	962
Additional noninterest expense	$8,252,000	806
Pre-tax net operating income	$11,783,000	866
Securities gains (losses)	$-9,000	5,054
Applicable income taxes	$5,102,000	652
Income before extraordinary items	$6,672,000	1,065
Extraordinary gains, net	$0	9
Net income	$6,672,000	1,065
Minority interest net income	$0	76
Net income of bank and minority interests.	$6,672,000	1,065
Net charge-offs	$947,000	719
Cash dividends	$2,183,000	1,327
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$6,677,760	1,052
2017-09-30 (YTD Data)		Rank
Total interest income	$26,112,000	818
Total interest expense	$3,783,000	654
Net interest income	$22,329,000	844
Provision for loan and lease losses	$1,127,000	627
Total noninterest income	$6,240,000	796
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$845,000	1,084
Trading account gains and fees	$0	145
Additional Noninterest Income	$5,395,000	654
Total noninterest expense	$18,581,000	879
Salaries and employee benefits	$10,941,000	840
Premises and equipment expense	$1,878,000	969
Additional noninterest expense	$5,762,000	854
Pre-tax net operating income	$8,861,000	876
Securities gains (losses)	$51,000	871
Applicable income taxes	$2,879,000	710
Income before extraordinary items	$6,033,000	984
Extraordinary gains, net	$0	9
Net income	$6,033,000	984
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,033,000	984
Net charge-offs	$321,000	1,082
Cash dividends	$1,458,000	1,335
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$5,998,320	979
2017-06-30 (YTD Data)		Rank
Total interest income	$16,800,000	846
Total interest expense	$2,422,000	661
Net interest income	$14,378,000	872
Provision for loan and lease losses	$787,000	594
Total noninterest income	$4,241,000	781
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$560,000	1,065
Trading account gains and fees	$0	139
Additional Noninterest Income	$3,681,000	640
Total noninterest expense	$12,340,000	882
Salaries and employee benefits	$7,202,000	846
Premises and equipment expense	$1,266,000	959
Additional noninterest expense	$3,872,000	844
Pre-tax net operating income	$5,492,000	916
Securities gains (losses)	$77,000	509
Applicable income taxes	$1,745,000	735
Income before extraordinary items	$3,824,000	1,017
Extraordinary gains, net	$0	11
Net income	$3,824,000	1,017
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,824,000	1,017
Net charge-offs	$318,000	798
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$3,770,870	1,021
2017-03-31 (YTD Data)		Rank
Total interest income	$8,263,000	849
Total interest expense	$1,144,000	684
Net interest income	$7,119,000	873
Provision for loan and lease losses	$407,000	528
Total noninterest income	$2,378,000	703
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$264,000	1,134
Trading account gains and fees	$0	142
Additional Noninterest Income	$2,114,000	563
Total noninterest expense	$5,927,000	918
Salaries and employee benefits	$3,541,000	869
Premises and equipment expense	$658,000	946
Additional noninterest expense	$1,728,000	936
Pre-tax net operating income	$3,163,000	767
Securities gains (losses)	$107,000	227
Applicable income taxes	$975,000	669
Income before extraordinary items	$2,295,000	829
Extraordinary gains, net	$0	8
Net income	$2,295,000	829
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,295,000	829
Net charge-offs	$306,000	456
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$2,220,100	843
2016-12-31 (YTD Data)		Rank
Total interest income	$29,311,000	934
Total interest expense	$4,318,000	683
Net interest income	$24,993,000	971
Provision for loan and lease losses	$1,291,000	731
Total noninterest income	$7,226,000	881
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$1,020,000	1,192
Trading account gains and fees	$0	170
Additional Noninterest Income	$6,206,000	715
Total noninterest expense	$22,375,000	940
Salaries and employee benefits	$13,012,000	916
Premises and equipment expense	$2,532,000	959
Additional noninterest expense	$6,831,000	960
Pre-tax net operating income	$8,553,000	1,045
Securities gains (losses)	$444,000	480
Applicable income taxes	$3,071,000	765
Income before extraordinary items	$5,926,000	1,209
Extraordinary gains, net	$0	5
Net income	$5,926,000	1,208
Minority interest net income	$0	82
Net income of bank and minority interests.	$5,926,000	1,208
Net charge-offs	$185,000	2,010
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$5,632,960	1,233
2016-09-30 (YTD Data)		Rank
Total interest income	$21,396,000	953
Total interest expense	$3,223,000	685
Net interest income	$18,173,000	1,001
Provision for loan and lease losses	$1,054,000	658
Total noninterest income	$5,680,000	855
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$760,000	1,190
Trading account gains and fees	$0	169
Additional Noninterest Income	$4,920,000	699
Total noninterest expense	$16,707,000	951
Salaries and employee benefits	$9,624,000	929
Premises and equipment expense	$1,924,000	947
Additional noninterest expense	$5,159,000	956
Pre-tax net operating income	$6,092,000	1,108
Securities gains (losses)	$361,000	532
Applicable income taxes	$2,167,000	829
Income before extraordinary items	$4,286,000	1,261
Extraordinary gains, net	$0	5
Net income	$4,286,000	1,261
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,286,000	1,261
Net charge-offs	$313,000	1,097
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$4,047,740	1,284
2016-06-30 (YTD Data)		Rank
Total interest income	$13,808,000	987
Total interest expense	$2,096,000	703
Net interest income	$11,712,000	1,030
Provision for loan and lease losses	$596,000	755
Total noninterest income	$4,006,000	813
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$503,000	1,185
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,503,000	654
Total noninterest expense	$11,089,000	954
Salaries and employee benefits	$6,395,000	934
Premises and equipment expense	$1,294,000	948
Additional noninterest expense	$3,400,000	968
Pre-tax net operating income	$4,033,000	1,099
Securities gains (losses)	$272,000	463
Applicable income taxes	$1,425,000	821
Income before extraordinary items	$2,880,000	1,240
Extraordinary gains, net	$0	16
Net income	$2,880,000	1,240
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,880,000	1,240
Net charge-offs	$198,000	1,130
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,697,760	1,275
2016-03-31 (YTD Data)		Rank
Total interest income	$6,776,000	1,004
Total interest expense	$1,012,000	718
Net interest income	$5,764,000	1,042
Provision for loan and lease losses	$211,000	927
Total noninterest income	$2,310,000	715
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$235,000	1,246
Trading account gains and fees	$0	142
Additional Noninterest Income	$2,075,000	555
Total noninterest expense	$5,575,000	945
Salaries and employee benefits	$3,330,000	890
Premises and equipment expense	$581,000	1,036
Additional noninterest expense	$1,664,000	986
Pre-tax net operating income	$2,288,000	969
Securities gains (losses)	$167,000	341
Applicable income taxes	$810,000	732
Income before extraordinary items	$1,645,000	1,081
Extraordinary gains, net	$0	12
Net income	$1,645,000	1,082
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,645,000	1,082
Net charge-offs	$-11,000	5,222
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,533,110	1,132
2015-12-31 (YTD Data)		Rank
Total interest income	$23,834,000	1,079
Total interest expense	$3,348,000	833
Net interest income	$20,486,000	1,114
Provision for loan and lease losses	$636,000	1,135
Total noninterest income	$6,030,000	997
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$950,000	1,280
Trading account gains and fees	$0	159
Additional Noninterest Income	$5,080,000	813
Total noninterest expense	$20,280,000	1,018
Salaries and employee benefits	$11,481,000	981
Premises and equipment expense	$2,317,000	1,033
Additional noninterest expense	$6,482,000	1,017
Pre-tax net operating income	$5,600,000	1,436
Securities gains (losses)	$271,000	601
Applicable income taxes	$1,819,000	1,071
Income before extraordinary items	$4,052,000	1,585
Extraordinary gains, net	$0	23
Net income	$4,052,000	1,586
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,052,000	1,586
Net charge-offs	$687,000	908
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,865,010	1,614
2015-09-30 (YTD Data)		Rank
Total interest income	$17,527,000	1,104
Total interest expense	$2,452,000	863
Net interest income	$15,075,000	1,138
Provision for loan and lease losses	$506,000	1,026
Total noninterest income	$4,695,000	972
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$690,000	1,317
Trading account gains and fees	$0	153
Additional Noninterest Income	$4,005,000	783
Total noninterest expense	$15,149,000	1,029
Salaries and employee benefits	$8,473,000	1,002
Premises and equipment expense	$1,751,000	1,042
Additional noninterest expense	$4,925,000	1,004
Pre-tax net operating income	$4,115,000	1,490
Securities gains (losses)	$267,000	520
Applicable income taxes	$1,326,000	1,140
Income before extraordinary items	$3,056,000	1,599
Extraordinary gains, net	$0	21
Net income	$3,056,000	1,600
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,056,000	1,600
Net charge-offs	$506,000	852
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,869,100	1,650
2015-06-30 (YTD Data)		Rank
Total interest income	$11,536,000	1,118
Total interest expense	$1,615,000	882
Net interest income	$9,921,000	1,149
Provision for loan and lease losses	$505,000	752
Total noninterest income	$3,097,000	974
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$448,000	1,334
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,649,000	795
Total noninterest expense	$9,844,000	1,057
Salaries and employee benefits	$5,559,000	1,023
Premises and equipment expense	$1,193,000	1,021
Additional noninterest expense	$3,092,000	1,062
Pre-tax net operating income	$2,669,000	1,503
Securities gains (losses)	$256,000	433
Applicable income taxes	$897,000	1,106
Income before extraordinary items	$2,028,000	1,601
Extraordinary gains, net	$0	22
Net income	$2,028,000	1,604
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,028,000	1,604
Net charge-offs	$394,000	778
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,851,360	1,675
2015-03-31 (YTD Data)		Rank
Total interest income	$5,676,000	1,126
Total interest expense	$797,000	900
Net interest income	$4,879,000	1,165
Provision for loan and lease losses	$305,000	615
Total noninterest income	$1,735,000	877
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$223,000	1,317
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,512,000	679
Total noninterest expense	$4,998,000	1,041
Salaries and employee benefits	$2,775,000	1,027
Premises and equipment expense	$612,000	1,000
Additional noninterest expense	$1,611,000	1,005
Pre-tax net operating income	$1,311,000	1,496
Securities gains (losses)	$168,000	410
Applicable income taxes	$426,000	1,139
Income before extraordinary items	$1,053,000	1,518
Extraordinary gains, net	$0	13
Net income	$1,053,000	1,519
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,053,000	1,520
Net charge-offs	$183,000	776
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$933,720	1,640
2014-12-31 (YTD Data)		Rank
Total interest income	$21,339,000	1,197
Total interest expense	$3,082,000	977
Net interest income	$18,257,000	1,229
Provision for loan and lease losses	$1,537,000	596
Total noninterest income	$5,635,000	1,000
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,087,000	1,203
Trading account gains and fees	$0	180
Additional Noninterest Income	$4,548,000	819
Total noninterest expense	$18,573,000	1,090
Salaries and employee benefits	$10,056,000	1,093
Premises and equipment expense	$2,170,000	1,100
Additional noninterest expense	$6,347,000	1,038
Pre-tax net operating income	$3,782,000	1,922
Securities gains (losses)	$290,000	619
Applicable income taxes	$1,160,000	1,394
Income before extraordinary items	$2,912,000	2,063
Extraordinary gains, net	$0	17
Net income	$2,912,000	2,063
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,912,000	2,062
Net charge-offs	$1,317,000	718
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,703,200	2,125
2014-09-30 (YTD Data)		Rank
Total interest income	$15,777,000	1,215
Total interest expense	$2,300,000	990
Net interest income	$13,477,000	1,255
Provision for loan and lease losses	$1,231,000	546
Total noninterest income	$4,267,000	995
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$814,000	1,216
Trading account gains and fees	$0	174
Additional Noninterest Income	$3,453,000	810
Total noninterest expense	$13,848,000	1,104
Salaries and employee benefits	$7,456,000	1,101
Premises and equipment expense	$1,615,000	1,124
Additional noninterest expense	$4,777,000	1,032
Pre-tax net operating income	$2,665,000	2,043
Securities gains (losses)	$239,000	565
Applicable income taxes	$791,000	1,531
Income before extraordinary items	$2,113,000	2,128
Extraordinary gains, net	$0	15
Net income	$2,113,000	2,126
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,113,000	2,126
Net charge-offs	$943,000	708
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,938,530	2,221
2014-06-30 (YTD Data)		Rank
Total interest income	$10,360,000	1,222
Total interest expense	$1,514,000	1,002
Net interest income	$8,846,000	1,261
Provision for loan and lease losses	$853,000	525
Total noninterest income	$2,965,000	950
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$551,000	1,180
Trading account gains and fees	$0	172
Additional Noninterest Income	$2,414,000	754
Total noninterest expense	$9,064,000	1,113
Salaries and employee benefits	$4,837,000	1,124
Premises and equipment expense	$1,126,000	1,084
Additional noninterest expense	$3,101,000	1,051
Pre-tax net operating income	$1,894,000	1,901
Securities gains (losses)	$75,000	943
Applicable income taxes	$534,000	1,484
Income before extraordinary items	$1,435,000	2,055
Extraordinary gains, net	$0	20
Net income	$1,435,000	2,059
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,435,000	2,058
Net charge-offs	$420,000	996
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,380,250	2,067
2014-03-31 (YTD Data)		Rank
Total interest income	$5,093,000	1,243
Total interest expense	$739,000	1,028
Net interest income	$4,354,000	1,278
Provision for loan and lease losses	$453,000	483
Total noninterest income	$1,607,000	862
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$274,000	1,168
Trading account gains and fees	$0	147
Additional Noninterest Income	$1,333,000	685
Total noninterest expense	$4,398,000	1,155
Salaries and employee benefits	$2,417,000	1,142
Premises and equipment expense	$592,000	1,056
Additional noninterest expense	$1,389,000	1,148
Pre-tax net operating income	$1,110,000	1,615
Securities gains (losses)	$0	1,715
Applicable income taxes	$344,000	1,213
Income before extraordinary items	$766,000	1,879
Extraordinary gains, net	$0	16
Net income	$766,000	1,883
Minority interest net income	$0	66
Net income of bank and minority interests.	$766,000	1,882
Net charge-offs	$437,000	557
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$766,000	1,840
2013-12-31 (YTD Data)		Rank
Total interest income	$19,631,000	1,297
Total interest expense	$2,984,000	1,133
Net interest income	$16,647,000	1,309
Provision for loan and lease losses	$2,745,000	473
Total noninterest income	$5,717,000	1,026
Gross Fiduciary activities income	$12,000	1,093
Service charges on deposit accounts	$1,182,000	1,167
Trading account gains and fees	$0	184
Additional Noninterest Income	$4,523,000	871
Total noninterest expense	$17,976,000	1,134
Salaries and employee benefits	$9,324,000	1,169
Premises and equipment expense	$1,929,000	1,216
Additional noninterest expense	$6,723,000	1,011
Pre-tax net operating income	$1,643,000	3,228
Securities gains (losses)	$393,000	560
Applicable income taxes	$294,000	2,655
Income before extraordinary items	$1,742,000	2,860
Extraordinary gains, net	$0	29
Net income	$1,742,000	2,862
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,742,000	2,863
Net charge-offs	$2,300,000	675
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$6,890,000	68
Net operating income	$1,404,020	3,223
2013-09-30 (YTD Data)		Rank
Total interest income	$14,532,000	1,320
Total interest expense	$2,239,000	1,173
Net interest income	$12,293,000	1,330
Provision for loan and lease losses	$2,342,000	423
Total noninterest income	$4,333,000	1,042
Gross Fiduciary activities income	$12,000	1,050
Service charges on deposit accounts	$877,000	1,182
Trading account gains and fees	$0	180
Additional Noninterest Income	$3,444,000	887
Total noninterest expense	$13,575,000	1,125
Salaries and employee benefits	$6,943,000	1,181
Premises and equipment expense	$1,420,000	1,255
Additional noninterest expense	$5,212,000	972
Pre-tax net operating income	$709,000	4,252
Securities gains (losses)	$399,000	502
Applicable income taxes	$84,000	3,415
Income before extraordinary items	$1,024,000	3,384
Extraordinary gains, net	$0	25
Net income	$1,024,000	3,387
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,024,000	3,388
Net charge-offs	$1,663,000	688
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$6,890,000	46
Net operating income	$656,920	4,096
2013-06-30 (YTD Data)		Rank
Total interest income	$9,550,000	1,329
Total interest expense	$1,526,000	1,174
Net interest income	$8,024,000	1,348
Provision for loan and lease losses	$1,842,000	395
Total noninterest income	$2,885,000	1,046
Gross Fiduciary activities income	$12,000	1,009
Service charges on deposit accounts	$583,000	1,161
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,290,000	886
Total noninterest expense	$9,189,000	1,107
Salaries and employee benefits	$4,557,000	1,183
Premises and equipment expense	$971,000	1,228
Additional noninterest expense	$3,661,000	929
Pre-tax net operating income	$-122,000	6,495
Securities gains (losses)	$399,000	446
Applicable income taxes	$-99,000	6,765
Income before extraordinary items	$376,000	4,428
Extraordinary gains, net	$0	22
Net income	$376,000	4,430
Minority interest net income	$0	82
Net income of bank and minority interests.	$376,000	4,431
Net charge-offs	$1,171,000	683
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$-23,000	6,368
2013-03-31 (YTD Data)		Rank
Total interest income	$4,695,000	1,355
Total interest expense	$800,000	1,158
Net interest income	$3,895,000	1,377
Provision for loan and lease losses	$1,142,000	342
Total noninterest income	$1,544,000	1,005
Gross Fiduciary activities income	$4,000	1,037
Service charges on deposit accounts	$296,000	1,130
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,244,000	844
Total noninterest expense	$4,484,000	1,144
Salaries and employee benefits	$2,235,000	1,213
Premises and equipment expense	$512,000	1,195
Additional noninterest expense	$1,737,000	970
Pre-tax net operating income	$-187,000	6,713
Securities gains (losses)	$370,000	272
Applicable income taxes	$-31,000	6,830
Income before extraordinary items	$214,000	4,158
Extraordinary gains, net	$0	10
Net income	$214,000	4,160
Minority interest net income	$0	76
Net income of bank and minority interests.	$214,000	4,160
Net charge-offs	$812,000	553
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$-156,000	6,688
2012-12-31 (YTD Data)		Rank
Total interest income	$19,943,000	1,344
Total interest expense	$3,559,000	1,257
Net interest income	$16,384,000	1,332
Provision for loan and lease losses	$4,330,000	573
Total noninterest income	$5,192,000	1,127
Gross Fiduciary activities income	$3,000	1,224
Service charges on deposit accounts	$1,184,000	1,198
Trading account gains and fees	$0	166
Additional Noninterest Income	$4,005,000	964
Total noninterest expense	$18,240,000	1,097
Salaries and employee benefits	$8,987,000	1,173
Premises and equipment expense	$1,949,000	1,206
Additional noninterest expense	$7,304,000	960
Pre-tax net operating income	$-994,000	6,663
Securities gains (losses)	$1,797,000	306
Applicable income taxes	$-194,000	6,786
Income before extraordinary items	$997,000	3,924
Extraordinary gains, net	$0	29
Net income	$997,000	3,924
Minority interest net income	$0	93
Net income of bank and minority interests.	$997,000	3,926
Net charge-offs	$6,564,000	465
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$-800,000	6,619
2012-09-30 (YTD Data)		Rank
Total interest income	$15,122,000	1,353
Total interest expense	$2,735,000	1,287
Net interest income	$12,387,000	1,336
Provision for loan and lease losses	$2,922,000	638
Total noninterest income	$3,895,000	1,112
Gross Fiduciary activities income	$3,000	1,175
Service charges on deposit accounts	$875,000	1,226
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,017,000	934
Total noninterest expense	$13,086,000	1,150
Salaries and employee benefits	$6,744,000	1,165
Premises and equipment expense	$1,459,000	1,227
Additional noninterest expense	$4,883,000	1,059
Pre-tax net operating income	$274,000	5,400
Securities gains (losses)	$761,000	533
Applicable income taxes	$7,000	4,458
Income before extraordinary items	$1,028,000	3,375
Extraordinary gains, net	$0	20
Net income	$1,028,000	3,376
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,028,000	3,377
Net charge-offs	$3,411,000	615
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$274,610	5,240
2012-06-30 (YTD Data)		Rank
Total interest income	$10,121,000	1,351
Total interest expense	$1,880,000	1,294
Net interest income	$8,241,000	1,346
Provision for loan and lease losses	$1,818,000	685
Total noninterest income	$2,502,000	1,124
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$571,000	1,239
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,931,000	941
Total noninterest expense	$8,815,000	1,129
Salaries and employee benefits	$4,548,000	1,152
Premises and equipment expense	$986,000	1,211
Additional noninterest expense	$3,281,000	1,051
Pre-tax net operating income	$110,000	5,816
Securities gains (losses)	$191,000	1,131
Applicable income taxes	$-127,000	7,038
Income before extraordinary items	$428,000	4,254
Extraordinary gains, net	$0	19
Net income	$428,000	4,258
Minority interest net income	$0	84
Net income of bank and minority interests.	$428,000	4,257
Net charge-offs	$2,768,000	545
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$237,000	4,931
2012-03-31 (YTD Data)		Rank
Total interest income	$5,017,000	1,377
Total interest expense	$984,000	1,282
Net interest income	$4,033,000	1,373
Provision for loan and lease losses	$860,000	699
Total noninterest income	$1,217,000	1,146
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$285,000	1,236
Trading account gains and fees	$0	148
Additional Noninterest Income	$932,000	954
Total noninterest expense	$4,794,000	1,037
Salaries and employee benefits	$2,424,000	1,073
Premises and equipment expense	$503,000	1,193
Additional noninterest expense	$1,867,000	914
Pre-tax net operating income	$-404,000	7,005
Securities gains (losses)	$57,000	1,168
Applicable income taxes	$-227,000	7,218
Income before extraordinary items	$-120,000	6,827
Extraordinary gains, net	$0	19
Net income	$-120,000	6,828
Minority interest net income	$0	78
Net income of bank and minority interests.	$-120,000	6,828
Net charge-offs	$453,000	1,165
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$-156,480	6,832
2011-12-31 (YTD Data)		Rank
Total interest income	$21,270,000	1,343
Total interest expense	$4,205,000	1,437
Net interest income	$17,065,000	1,301
Provision for loan and lease losses	$3,306,000	1,098
Total noninterest income	$4,869,000	1,068
Gross Fiduciary activities income	$1,000	1,250
Service charges on deposit accounts	$1,332,000	1,104
Trading account gains and fees	$0	146
Additional Noninterest Income	$3,536,000	926
Total noninterest expense	$15,651,000	1,260
Salaries and employee benefits	$8,528,000	1,166
Premises and equipment expense	$1,918,000	1,303
Additional noninterest expense	$5,205,000	1,330
Pre-tax net operating income	$2,977,000	1,847
Securities gains (losses)	$646,000	650
Applicable income taxes	$812,000	1,543
Income before extraordinary items	$2,811,000	1,711
Extraordinary gains, net	$0	29
Net income	$2,811,000	1,711
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,811,000	1,712
Net charge-offs	$2,493,000	1,355
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,307,120	1,914
2011-09-30 (YTD Data)		Rank
Total interest income	$16,060,000	1,348
Total interest expense	$3,139,000	1,503
Net interest income	$12,921,000	1,295
Provision for loan and lease losses	$2,688,000	1,016
Total noninterest income	$3,685,000	1,066
Gross Fiduciary activities income	$2,000	1,160
Service charges on deposit accounts	$999,000	1,115
Trading account gains and fees	$0	145
Additional Noninterest Income	$2,684,000	904
Total noninterest expense	$11,477,000	1,291
Salaries and employee benefits	$6,212,000	1,200
Premises and equipment expense	$1,437,000	1,318
Additional noninterest expense	$3,828,000	1,348
Pre-tax net operating income	$2,441,000	1,773
Securities gains (losses)	$268,000	989
Applicable income taxes	$609,000	1,559
Income before extraordinary items	$2,100,000	1,768
Extraordinary gains, net	$0	21
Net income	$2,100,000	1,768
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,100,000	1,768
Net charge-offs	$1,684,000	1,375
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,890,960	1,834
2011-06-30 (YTD Data)		Rank
Total interest income	$10,763,000	1,350
Total interest expense	$2,065,000	1,582
Net interest income	$8,698,000	1,281
Provision for loan and lease losses	$1,951,000	927
Total noninterest income	$2,477,000	1,052
Gross Fiduciary activities income	$1,000	1,171
Service charges on deposit accounts	$664,000	1,106
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,812,000	897
Total noninterest expense	$7,460,000	1,331
Salaries and employee benefits	$3,994,000	1,248
Premises and equipment expense	$971,000	1,314
Additional noninterest expense	$2,495,000	1,406
Pre-tax net operating income	$1,764,000	1,622
Securities gains (losses)	$269,000	588
Applicable income taxes	$497,000	1,328
Income before extraordinary items	$1,536,000	1,589
Extraordinary gains, net	$0	15
Net income	$1,536,000	1,589
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,536,000	1,589
Net charge-offs	$812,000	1,657
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,331,560	1,712
2011-03-31 (YTD Data)		Rank
Total interest income	$5,428,000	1,355
Total interest expense	$1,033,000	1,644
Net interest income	$4,395,000	1,271
Provision for loan and lease losses	$839,000	984
Total noninterest income	$1,245,000	1,051
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$325,000	1,117
Trading account gains and fees	$0	158
Additional Noninterest Income	$920,000	877
Total noninterest expense	$3,811,000	1,311
Salaries and employee benefits	$2,007,000	1,252
Premises and equipment expense	$505,000	1,295
Additional noninterest expense	$1,299,000	1,355
Pre-tax net operating income	$990,000	1,452
Securities gains (losses)	$0	1,772
Applicable income taxes	$239,000	1,316
Income before extraordinary items	$751,000	1,574
Extraordinary gains, net	$0	9
Net income	$751,000	1,574
Minority interest net income	$0	86
Net income of bank and minority interests.	$751,000	1,574
Net charge-offs	$10,000	4,385
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$751,000	1,526
2010-12-31 (YTD Data)		Rank
Total interest income	$21,952,000	1,392
Total interest expense	$5,388,000	1,539
Net interest income	$16,564,000	1,348
Provision for loan and lease losses	$3,280,000	1,529
Total noninterest income	$4,731,000	1,134
Gross Fiduciary activities income	$5,000	1,223
Service charges on deposit accounts	$1,449,000	1,046
Trading account gains and fees	$7,000	166
Additional Noninterest Income	$3,270,000	998
Total noninterest expense	$14,848,000	1,353
Salaries and employee benefits	$7,783,000	1,264
Premises and equipment expense	$1,936,000	1,331
Additional noninterest expense	$5,129,000	1,415
Pre-tax net operating income	$3,167,000	1,550
Securities gains (losses)	$54,000	2,607
Applicable income taxes	$713,000	1,539
Income before extraordinary items	$2,508,000	1,642
Extraordinary gains, net	$0	29
Net income	$2,508,000	1,642
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,508,000	1,644
Net charge-offs	$2,379,000	1,684
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,465,880	1,611
2010-09-30 (YTD Data)		Rank
Total interest income	$16,384,000	1,431
Total interest expense	$4,222,000	1,539
Net interest income	$12,162,000	1,394
Provision for loan and lease losses	$2,364,000	1,483
Total noninterest income	$3,619,000	1,097
Gross Fiduciary activities income	$4,000	1,188
Service charges on deposit accounts	$1,082,000	1,077
Trading account gains and fees	$7,000	150
Additional Noninterest Income	$2,526,000	940
Total noninterest expense	$11,090,000	1,347
Salaries and employee benefits	$5,865,000	1,259
Premises and equipment expense	$1,409,000	1,387
Additional noninterest expense	$3,816,000	1,393
Pre-tax net operating income	$2,327,000	1,691
Securities gains (losses)	$54,000	2,362
Applicable income taxes	$530,000	1,615
Income before extraordinary items	$1,851,000	1,779
Extraordinary gains, net	$0	23
Net income	$1,851,000	1,782
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,851,000	1,782
Net charge-offs	$1,763,000	1,629
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,808,880	1,733
2010-06-30 (YTD Data)		Rank
Total interest income	$10,911,000	1,455
Total interest expense	$2,922,000	1,543
Net interest income	$7,989,000	1,422
Provision for loan and lease losses	$1,702,000	1,405
Total noninterest income	$2,441,000	1,064
Gross Fiduciary activities income	$2,000	1,203
Service charges on deposit accounts	$674,000	1,164
Trading account gains and fees	$7,000	140
Additional Noninterest Income	$1,758,000	876
Total noninterest expense	$7,292,000	1,371
Salaries and employee benefits	$3,980,000	1,232
Premises and equipment expense	$935,000	1,417
Additional noninterest expense	$2,377,000	1,493
Pre-tax net operating income	$1,436,000	1,781
Securities gains (losses)	$54,000	1,832
Applicable income taxes	$330,000	1,641
Income before extraordinary items	$1,160,000	1,861
Extraordinary gains, net	$0	19
Net income	$1,160,000	1,860
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,160,000	1,861
Net charge-offs	$1,749,000	1,243
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,117,880	1,835
2010-03-31 (YTD Data)		Rank
Total interest income	$5,446,000	1,491
Total interest expense	$1,456,000	1,616
Net interest income	$3,990,000	1,435
Provision for loan and lease losses	$737,000	1,427
Total noninterest income	$1,182,000	1,065
Gross Fiduciary activities income	$1,000	1,185
Service charges on deposit accounts	$334,000	1,169
Trading account gains and fees	$11,000	144
Additional Noninterest Income	$836,000	910
Total noninterest expense	$3,500,000	1,435
Salaries and employee benefits	$1,841,000	1,358
Premises and equipment expense	$474,000	1,442
Additional noninterest expense	$1,185,000	1,491
Pre-tax net operating income	$935,000	1,391
Securities gains (losses)	$0	2,284
Applicable income taxes	$246,000	1,222
Income before extraordinary items	$689,000	1,586
Extraordinary gains, net	$0	16
Net income	$689,000	1,588
Minority interest net income	$0	91
Net income of bank and minority interests.	$689,000	1,588
Net charge-offs	$8,000	4,945
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$689,000	1,525
2009-12-31 (YTD Data)		Rank
Total interest income	$22,965,000	1,501
Total interest expense	$7,746,000	1,517
Net interest income	$15,219,000	1,471
Provision for loan and lease losses	$3,403,000	1,817
Total noninterest income	$5,409,000	1,030
Gross Fiduciary activities income	$4,000	1,267
Service charges on deposit accounts	$1,467,000	1,178
Trading account gains and fees	$5,000	195
Additional Noninterest Income	$3,933,000	857
Total noninterest expense	$14,528,000	1,403
Salaries and employee benefits	$7,351,000	1,368
Premises and equipment expense	$2,024,000	1,338
Additional noninterest expense	$5,153,000	1,449
Pre-tax net operating income	$2,697,000	1,485
Securities gains (losses)	$134,000	1,878
Applicable income taxes	$577,000	1,415
Income before extraordinary items	$2,254,000	1,485
Extraordinary gains, net	$0	34
Net income	$2,254,000	1,483
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,254,000	1,484
Net charge-offs	$3,720,000	1,408
Cash dividends	$99,000	4,163
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,146,800	1,513
2009-09-30 (YTD Data)		Rank
Total interest income	$17,421,000	1,510
Total interest expense	$6,233,000	1,510
Net interest income	$11,188,000	1,506
Provision for loan and lease losses	$1,583,000	2,154
Total noninterest income	$4,016,000	1,041
Gross Fiduciary activities income	$3,000	1,227
Service charges on deposit accounts	$1,095,000	1,183
Trading account gains and fees	$21,000	182
Additional Noninterest Income	$2,897,000	880
Total noninterest expense	$11,142,000	1,371
Salaries and employee benefits	$5,624,000	1,353
Premises and equipment expense	$1,555,000	1,318
Additional noninterest expense	$3,963,000	1,373
Pre-tax net operating income	$2,479,000	1,302
Securities gains (losses)	$55,000	2,242
Applicable income taxes	$588,000	1,262
Income before extraordinary items	$1,946,000	1,368
Extraordinary gains, net	$0	27
Net income	$1,946,000	1,366
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,946,000	1,368
Net charge-offs	$2,332,000	1,385
Cash dividends	$99,000	3,630
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,903,650	1,375
2009-06-30 (YTD Data)		Rank
Total interest income	$11,556,000	1,546
Total interest expense	$4,610,000	1,445
Net interest income	$6,946,000	1,623
Provision for loan and lease losses	$1,063,000	1,996
Total noninterest income	$2,790,000	1,018
Gross Fiduciary activities income	$2,000	1,233
Service charges on deposit accounts	$715,000	1,181
Trading account gains and fees	$19,000	170
Additional Noninterest Income	$2,054,000	868
Total noninterest expense	$7,462,000	1,389
Salaries and employee benefits	$3,554,000	1,463
Premises and equipment expense	$1,059,000	1,319
Additional noninterest expense	$2,849,000	1,302
Pre-tax net operating income	$1,211,000	1,813
Securities gains (losses)	$0	3,136
Applicable income taxes	$212,000	1,896
Income before extraordinary items	$999,000	1,845
Extraordinary gains, net	$0	21
Net income	$999,000	1,842
Minority interest net income	$0	112
Net income of bank and minority interests.	$999,000	1,844
Net charge-offs	$167,000	3,648
Cash dividends	$99,000	3,315
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$999,000	1,790
2009-03-31 (YTD Data)		Rank
Total interest income	$5,703,000	1,588
Total interest expense	$2,521,000	1,365
Net interest income	$3,182,000	1,738
Provision for loan and lease losses	$639,000	1,545
Total noninterest income	$1,337,000	1,016
Gross Fiduciary activities income	$2,000	1,166
Service charges on deposit accounts	$367,000	1,132
Trading account gains and fees	$35,000	122
Additional Noninterest Income	$933,000	896
Total noninterest expense	$3,497,000	1,420
Salaries and employee benefits	$1,783,000	1,471
Premises and equipment expense	$553,000	1,292
Additional noninterest expense	$1,161,000	1,403
Pre-tax net operating income	$383,000	2,880
Securities gains (losses)	$0	2,434
Applicable income taxes	$44,000	2,995
Income before extraordinary items	$339,000	2,891
Extraordinary gains, net	$0	15
Net income	$339,000	2,891
Minority interest net income	$0	102
Net income of bank and minority interests.	$339,000	2,892
Net charge-offs	$40,000	3,753
Cash dividends	$98,000	2,312
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$339,000	2,759
2008-12-31 (YTD Data)		Rank
Total interest income	$22,553,000	1,712
Total interest expense	$10,253,000	1,584
Net interest income	$12,300,000	1,812
Provision for loan and lease losses	$1,350,000	2,280
Total noninterest income	$5,367,000	989
Gross Fiduciary activities income	$5,000	1,290
Service charges on deposit accounts	$1,534,000	1,170
Trading account gains and fees	$199,000	102
Additional Noninterest Income	$3,629,000	836
Total noninterest expense	$14,458,000	1,350
Salaries and employee benefits	$7,546,000	1,355
Premises and equipment expense	$2,193,000	1,246
Additional noninterest expense	$4,719,000	1,339
Pre-tax net operating income	$1,859,000	2,599
Securities gains (losses)	$-3,375,000	8,021
Applicable income taxes	$-884,000	7,671
Income before extraordinary items	$-632,000	6,789
Extraordinary gains, net	$0	39
Net income	$-632,000	6,789
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$678,000	2,408
Cash dividends	$656,000	2,952
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,528,000	2,626
2008-09-30 (YTD Data)		Rank
Total interest income	$16,892,000	1,753
Total interest expense	$7,550,000	1,670
Net interest income	$9,342,000	1,801
Provision for loan and lease losses	$569,000	2,546
Total noninterest income	$4,005,000	1,037
Gross Fiduciary activities income	$4,000	1,255
Service charges on deposit accounts	$1,111,000	1,223
Trading account gains and fees	$13,000	127
Additional Noninterest Income	$2,877,000	846
Total noninterest expense	$10,397,000	1,394
Salaries and employee benefits	$5,697,000	1,366
Premises and equipment expense	$1,663,000	1,236
Additional noninterest expense	$3,037,000	1,469
Pre-tax net operating income	$2,381,000	2,012
Securities gains (losses)	$-3,374,000	8,157
Applicable income taxes	$-558,000	7,909
Income before extraordinary items	$-435,000	7,135
Extraordinary gains, net	$0	31
Net income	$-435,000	7,132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$630,000	1,707
Cash dividends	$654,000	2,364
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,724,360	2,141
2008-06-30 (YTD Data)		Rank
Total interest income	$11,040,000	1,814
Total interest expense	$4,954,000	1,785
Net interest income	$6,086,000	1,844
Provision for loan and lease losses	$290,000	2,610
Total noninterest income	$2,756,000	1,029
Gross Fiduciary activities income	$3,000	1,253
Service charges on deposit accounts	$702,000	1,267
Trading account gains and fees	$21,000	116
Additional Noninterest Income	$2,030,000	832
Total noninterest expense	$6,984,000	1,377
Salaries and employee benefits	$3,855,000	1,351
Premises and equipment expense	$1,123,000	1,214
Additional noninterest expense	$2,006,000	1,459
Pre-tax net operating income	$1,568,000	2,109
Securities gains (losses)	$152,000	729
Applicable income taxes	$506,000	1,586
Income before extraordinary items	$1,214,000	2,174
Extraordinary gains, net	$0	21
Net income	$1,214,000	2,174
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$601,000	1,172
Cash dividends	$436,000	2,470
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,106,080	2,319
2008-03-31 (YTD Data)		Rank
Total interest income	$5,570,000	1,844
Total interest expense	$2,512,000	1,863
Net interest income	$3,058,000	1,830
Provision for loan and lease losses	$173,000	1,974
Total noninterest income	$1,594,000	925
Gross Fiduciary activities income	$1,000	1,254
Service charges on deposit accounts	$351,000	1,251
Trading account gains and fees	$217,000	84
Additional Noninterest Income	$1,025,000	848
Total noninterest expense	$3,441,000	1,387
Salaries and employee benefits	$1,879,000	1,399
Premises and equipment expense	$592,000	1,169
Additional noninterest expense	$970,000	1,481
Pre-tax net operating income	$1,038,000	1,725
Securities gains (losses)	$84,000	798
Applicable income taxes	$354,000	1,302
Income before extraordinary items	$768,000	1,886
Extraordinary gains, net	$0	15
Net income	$768,000	1,888
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,249
Cash dividends	$218,000	2,230
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$710,880	1,950
2007-12-31 (YTD Data)		Rank
Total interest income	$22,737,000	1,862
Total interest expense	$10,700,000	1,859
Net interest income	$12,037,000	1,881
Provision for loan and lease losses	$1,931,000	865
Total noninterest income	$5,606,000	1,004
Gross Fiduciary activities income	$5,000	1,336
Service charges on deposit accounts	$1,396,000	1,276
Trading account gains and fees	$258,000	98
Additional Noninterest Income	$3,947,000	833
Total noninterest expense	$13,035,000	1,418
Salaries and employee benefits	$7,154,000	1,418
Premises and equipment expense	$2,708,000	954
Additional noninterest expense	$3,173,000	1,743
Pre-tax net operating income	$2,677,000	2,673
Securities gains (losses)	$10,000	1,349
Applicable income taxes	$698,000	2,310
Income before extraordinary items	$1,989,000	2,840
Extraordinary gains, net	$0	39
Net income	$1,989,000	2,839
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	3,407
Cash dividends	$888,000	2,827
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,981,600	2,823
2007-09-30 (YTD Data)		Rank
Total interest income	$16,878,000	1,879
Total interest expense	$7,817,000	1,897
Net interest income	$9,061,000	1,885
Provision for loan and lease losses	$868,000	1,016
Total noninterest income	$4,279,000	992
Gross Fiduciary activities income	$4,000	1,292
Service charges on deposit accounts	$1,016,000	1,291
Trading account gains and fees	$192,000	104
Additional Noninterest Income	$3,067,000	814
Total noninterest expense	$9,771,000	1,398
Salaries and employee benefits	$5,403,000	1,406
Premises and equipment expense	$1,998,000	970
Additional noninterest expense	$2,370,000	1,713
Pre-tax net operating income	$2,701,000	2,283
Securities gains (losses)	$10,000	1,001
Applicable income taxes	$833,000	1,848
Income before extraordinary items	$1,878,000	2,509
Extraordinary gains, net	$0	33
Net income	$1,878,000	2,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$110,000	2,709
Cash dividends	$667,000	2,540
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,871,100	2,493
2007-06-30 (YTD Data)		Rank
Total interest income	$10,973,000	1,946
Total interest expense	$5,028,000	1,949
Net interest income	$5,945,000	1,943
Provision for loan and lease losses	$544,000	959
Total noninterest income	$2,821,000	1,012
Gross Fiduciary activities income	$3,000	1,282
Service charges on deposit accounts	$654,000	1,348
Trading account gains and fees	$-2,000	8,538
Additional Noninterest Income	$2,166,000	803
Total noninterest expense	$6,513,000	1,418
Salaries and employee benefits	$3,611,000	1,428
Premises and equipment expense	$1,307,000	996
Additional noninterest expense	$1,595,000	1,708
Pre-tax net operating income	$1,709,000	2,441
Securities gains (losses)	$0	1,444
Applicable income taxes	$516,000	2,017
Income before extraordinary items	$1,193,000	2,655
Extraordinary gains, net	$0	29
Net income	$1,193,000	2,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	3,632
Cash dividends	$445,000	2,615
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,193,000	2,635
2007-03-31 (YTD Data)		Rank
Total interest income	$5,374,000	1,979
Total interest expense	$2,430,000	1,989
Net interest income	$2,944,000	1,969
Provision for loan and lease losses	$108,000	1,911
Total noninterest income	$1,585,000	904
Gross Fiduciary activities income	$1,000	1,263
Service charges on deposit accounts	$319,000	1,346
Trading account gains and fees	$46,000	139
Additional Noninterest Income	$1,219,000	699
Total noninterest expense	$3,205,000	1,450
Salaries and employee benefits	$1,782,000	1,455
Premises and equipment expense	$652,000	1,011
Additional noninterest expense	$771,000	1,741
Pre-tax net operating income	$1,216,000	1,842
Securities gains (losses)	$0	1,187
Applicable income taxes	$407,000	1,502
Income before extraordinary items	$809,000	2,049
Extraordinary gains, net	$0	22
Net income	$809,000	2,049
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	2,538
Cash dividends	$222,000	2,308
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$809,000	2,042
2006-12-31 (YTD Data)		Rank
Total interest income	$19,843,000	1,991
Total interest expense	$7,805,000	2,086
Net interest income	$12,038,000	1,925
Provision for loan and lease losses	$733,000	1,358
Total noninterest income	$5,153,000	1,069
Gross Fiduciary activities income	$7,000	1,322
Service charges on deposit accounts	$1,370,000	1,303
Trading account gains and fees	$0	130
Additional Noninterest Income	$3,776,000	845
Total noninterest expense	$12,530,000	1,431
Salaries and employee benefits	$6,872,000	1,438
Premises and equipment expense	$2,287,000	1,122
Additional noninterest expense	$3,371,000	1,564
Pre-tax net operating income	$3,928,000	2,288
Securities gains (losses)	$90,000	559
Applicable income taxes	$1,286,000	1,873
Income before extraordinary items	$2,732,000	2,432
Extraordinary gains, net	$0	51
Net income	$2,732,000	2,434
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,661
Cash dividends	$885,000	2,782
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,670,800	2,465
2006-09-30 (YTD Data)		Rank
Total interest income	$14,446,000	2,043
Total interest expense	$5,433,000	2,174
Net interest income	$9,013,000	1,951
Provision for loan and lease losses	$562,000	1,274
Total noninterest income	$3,958,000	1,057
Gross Fiduciary activities income	$6,000	1,272
Service charges on deposit accounts	$1,017,000	1,317
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,935,000	832
Total noninterest expense	$9,456,000	1,427
Salaries and employee benefits	$5,154,000	1,436
Premises and equipment expense	$1,684,000	1,145
Additional noninterest expense	$2,618,000	1,513
Pre-tax net operating income	$2,953,000	2,364
Securities gains (losses)	$0	1,388
Applicable income taxes	$938,000	1,970
Income before extraordinary items	$2,015,000	2,544
Extraordinary gains, net	$0	45
Net income	$2,015,000	2,546
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,725
Cash dividends	$665,000	2,506
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,015,000	2,534
2006-06-30 (YTD Data)		Rank
Total interest income	$9,360,000	2,056
Total interest expense	$3,279,000	2,268
Net interest income	$6,081,000	1,916
Provision for loan and lease losses	$445,000	1,091
Total noninterest income	$2,660,000	1,050
Gross Fiduciary activities income	$3,000	1,300
Service charges on deposit accounts	$668,000	1,325
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,989,000	824
Total noninterest expense	$6,290,000	1,436
Salaries and employee benefits	$3,395,000	1,459
Premises and equipment expense	$1,105,000	1,163
Additional noninterest expense	$1,790,000	1,479
Pre-tax net operating income	$2,006,000	2,304
Securities gains (losses)	$0	1,185
Applicable income taxes	$637,000	1,972
Income before extraordinary items	$1,369,000	2,517
Extraordinary gains, net	$0	39
Net income	$1,369,000	2,520
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	3,501
Cash dividends	$443,000	2,556
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,369,000	2,497
2006-03-31 (YTD Data)		Rank
Total interest income	$4,533,000	2,076
Total interest expense	$1,563,000	2,253
Net interest income	$2,970,000	1,957
Provision for loan and lease losses	$217,000	1,081
Total noninterest income	$1,290,000	1,055
Gross Fiduciary activities income	$2,000	1,247
Service charges on deposit accounts	$320,000	1,348
Trading account gains and fees	$0	115
Additional Noninterest Income	$968,000	823
Total noninterest expense	$3,091,000	1,461
Salaries and employee benefits	$1,638,000	1,517
Premises and equipment expense	$549,000	1,176
Additional noninterest expense	$904,000	1,458
Pre-tax net operating income	$952,000	2,362
Securities gains (losses)	$0	955
Applicable income taxes	$296,000	2,045
Income before extraordinary items	$656,000	2,567
Extraordinary gains, net	$0	21
Net income	$656,000	2,568
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,205
Cash dividends	$221,000	2,292
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$656,000	2,545
2005-12-31 (YTD Data)		Rank
Total interest income	$15,432,000	2,157
Total interest expense	$3,972,000	2,669
Net interest income	$11,460,000	1,934
Provision for loan and lease losses	$1,138,000	928
Total noninterest income	$4,838,000	1,115
Gross Fiduciary activities income	$11,000	1,287
Service charges on deposit accounts	$1,225,000	1,431
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,602,000	880
Total noninterest expense	$11,498,000	1,494
Salaries and employee benefits	$6,340,000	1,483
Premises and equipment expense	$2,067,000	1,189
Additional noninterest expense	$3,091,000	1,637
Pre-tax net operating income	$3,662,000	2,369
Securities gains (losses)	$35,000	1,043
Applicable income taxes	$1,069,000	2,173
Income before extraordinary items	$2,628,000	2,498
Extraordinary gains, net	$0	46
Net income	$2,628,000	2,499
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$797,000	808
Cash dividends	$633,000	3,254
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,603,150	2,486
2005-09-30 (YTD Data)		Rank
Total interest income	$11,064,000	2,194
Total interest expense	$2,611,000	2,829
Net interest income	$8,453,000	1,955
Provision for loan and lease losses	$547,000	1,296
Total noninterest income	$3,650,000	1,119
Gross Fiduciary activities income	$9,000	1,231
Service charges on deposit accounts	$885,000	1,467
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,756,000	867
Total noninterest expense	$8,604,000	1,487
Salaries and employee benefits	$4,813,000	1,437
Premises and equipment expense	$1,528,000	1,186
Additional noninterest expense	$2,263,000	1,665
Pre-tax net operating income	$2,952,000	2,261
Securities gains (losses)	$42,000	946
Applicable income taxes	$880,000	2,059
Income before extraordinary items	$2,114,000	2,387
Extraordinary gains, net	$0	35
Net income	$2,114,000	2,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$427,000	944
Cash dividends	$633,000	2,449
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$2,084,180	2,383
2005-06-30 (YTD Data)		Rank
Total interest income	$7,073,000	2,233
Total interest expense	$1,565,000	2,951
Net interest income	$5,508,000	1,969
Provision for loan and lease losses	$341,000	1,369
Total noninterest income	$2,425,000	1,101
Gross Fiduciary activities income	$6,000	1,239
Service charges on deposit accounts	$551,000	1,526
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,868,000	849
Total noninterest expense	$5,775,000	1,469
Salaries and employee benefits	$3,202,000	1,436
Premises and equipment expense	$1,003,000	1,202
Additional noninterest expense	$1,570,000	1,575
Pre-tax net operating income	$1,817,000	2,357
Securities gains (losses)	$0	2,146
Applicable income taxes	$512,000	2,241
Income before extraordinary items	$1,305,000	2,484
Extraordinary gains, net	$0	30
Net income	$1,305,000	2,484
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$457,000	638
Cash dividends	$422,000	2,453
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,305,000	2,447
2005-03-31 (YTD Data)		Rank
Total interest income	$3,411,000	2,261
Total interest expense	$708,000	3,085
Net interest income	$2,703,000	1,993
Provision for loan and lease losses	$135,000	1,592
Total noninterest income	$1,100,000	1,162
Gross Fiduciary activities income	$3,000	1,221
Service charges on deposit accounts	$236,000	1,714
Trading account gains and fees	$0	115
Additional Noninterest Income	$861,000	891
Total noninterest expense	$2,881,000	1,469
Salaries and employee benefits	$1,594,000	1,455
Premises and equipment expense	$504,000	1,203
Additional noninterest expense	$783,000	1,584
Pre-tax net operating income	$787,000	2,609
Securities gains (losses)	$0	1,685
Applicable income taxes	$209,000	2,529
Income before extraordinary items	$578,000	2,697
Extraordinary gains, net	$0	24
Net income	$578,000	2,698
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$581,000	311
Cash dividends	$210,000	2,134
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$578,000	2,649
2004-12-31 (YTD Data)		Rank
Total interest income	$11,791,000	2,437
Total interest expense	$2,554,000	3,003
Net interest income	$9,237,000	2,210
Provision for loan and lease losses	$558,000	1,788
Total noninterest income	$4,527,000	1,167
Gross Fiduciary activities income	$12,000	1,285
Service charges on deposit accounts	$748,000	2,262
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,767,000	825
Total noninterest expense	$10,703,000	1,518
Salaries and employee benefits	$6,208,000	1,430
Premises and equipment expense	$1,750,000	1,322
Additional noninterest expense	$2,745,000	1,778
Pre-tax net operating income	$2,503,000	3,008
Securities gains (losses)	$16,000	2,543
Applicable income taxes	$699,000	2,770
Income before extraordinary items	$1,820,000	3,158
Extraordinary gains, net	$0	34
Net income	$1,820,000	3,157
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	5,762
Cash dividends	$447,000	3,734
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,808,480	3,115
2004-09-30 (YTD Data)		Rank
Total interest income	$8,595,000	2,468
Total interest expense	$1,855,000	3,029
Net interest income	$6,740,000	2,243
Provision for loan and lease losses	$373,000	1,887
Total noninterest income	$3,416,000	1,175
Gross Fiduciary activities income	$9,000	1,258
Service charges on deposit accounts	$557,000	2,288
Trading account gains and fees	$0	134
Additional Noninterest Income	$2,850,000	834
Total noninterest expense	$7,945,000	1,535
Salaries and employee benefits	$4,654,000	1,426
Premises and equipment expense	$1,294,000	1,331
Additional noninterest expense	$1,997,000	1,794
Pre-tax net operating income	$1,838,000	3,097
Securities gains (losses)	$11,000	2,659
Applicable income taxes	$516,000	2,842
Income before extraordinary items	$1,333,000	3,270
Extraordinary gains, net	$0	26
Net income	$1,333,000	3,271
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	4,471
Cash dividends	$317,000	3,367
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,325,080	3,217
2004-06-30 (YTD Data)		Rank
Total interest income	$5,608,000	2,493
Total interest expense	$1,232,000	3,017
Net interest income	$4,376,000	2,287
Provision for loan and lease losses	$253,000	1,809
Total noninterest income	$2,317,000	1,146
Gross Fiduciary activities income	$6,000	1,267
Service charges on deposit accounts	$382,000	2,234
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,929,000	823
Total noninterest expense	$5,226,000	1,549
Salaries and employee benefits	$3,090,000	1,426
Premises and equipment expense	$826,000	1,402
Additional noninterest expense	$1,310,000	1,824
Pre-tax net operating income	$1,214,000	3,086
Securities gains (losses)	$0	3,413
Applicable income taxes	$343,000	2,842
Income before extraordinary items	$871,000	3,299
Extraordinary gains, net	$0	21
Net income	$871,000	3,299
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	3,713
Cash dividends	$188,000	3,563
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$871,000	3,209
2004-03-31 (YTD Data)		Rank
Total interest income	$2,799,000	2,500
Total interest expense	$607,000	3,086
Net interest income	$2,192,000	2,279
Provision for loan and lease losses	$148,000	1,556
Total noninterest income	$1,151,000	1,127
Gross Fiduciary activities income	$3,000	1,247
Service charges on deposit accounts	$191,000	2,170
Trading account gains and fees	$0	121
Additional Noninterest Income	$957,000	809
Total noninterest expense	$2,605,000	1,560
Salaries and employee benefits	$1,576,000	1,404
Premises and equipment expense	$409,000	1,434
Additional noninterest expense	$620,000	1,909
Pre-tax net operating income	$590,000	3,114
Securities gains (losses)	$0	2,934
Applicable income taxes	$164,000	2,923
Income before extraordinary items	$426,000	3,336
Extraordinary gains, net	$0	16
Net income	$426,000	3,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	2,516
Cash dividends	$188,000	2,273
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$426,000	3,221
2003-12-31 (YTD Data)		Rank
Total interest income	$10,771,000	2,629
Total interest expense	$2,612,000	3,233
Net interest income	$8,159,000	2,388
Provision for loan and lease losses	$405,000	2,563
Total noninterest income	$3,970,000	1,352
Gross Fiduciary activities income	$28,000	1,188
Service charges on deposit accounts	$769,000	2,182
Trading account gains and fees	$0	160
Additional Noninterest Income	$3,173,000	1,042
Total noninterest expense	$9,574,000	1,672
Salaries and employee benefits	$5,478,000	1,574
Premises and equipment expense	$1,479,000	1,542
Additional noninterest expense	$2,617,000	1,842
Pre-tax net operating income	$2,150,000	3,230
Securities gains (losses)	$133,000	1,641
Applicable income taxes	$640,000	2,944
Income before extraordinary items	$1,643,000	3,323
Extraordinary gains, net	$0	54
Net income	$1,643,000	3,324
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	4,908
Cash dividends	$655,000	3,054
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,547,240	3,319
2003-09-30 (YTD Data)		Rank
Total interest income	$7,999,000	2,692
Total interest expense	$2,011,000	3,276
Net interest income	$5,988,000	2,452
Provision for loan and lease losses	$315,000	2,407
Total noninterest income	$2,932,000	1,391
Gross Fiduciary activities income	$26,000	1,139
Service charges on deposit accounts	$569,000	2,223
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,337,000	1,107
Total noninterest expense	$7,032,000	1,714
Salaries and employee benefits	$3,998,000	1,621
Premises and equipment expense	$1,081,000	1,584
Additional noninterest expense	$1,953,000	1,846
Pre-tax net operating income	$1,573,000	3,419
Securities gains (losses)	$0	4,204
Applicable income taxes	$432,000	3,295
Income before extraordinary items	$1,141,000	3,637
Extraordinary gains, net	$0	40
Net income	$1,141,000	3,636
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	4,290
Cash dividends	$590,000	2,456
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,141,000	3,467
2003-06-30 (YTD Data)		Rank
Total interest income	$5,380,000	2,694
Total interest expense	$1,390,000	3,273
Net interest income	$3,990,000	2,440
Provision for loan and lease losses	$245,000	2,166
Total noninterest income	$2,017,000	1,363
Gross Fiduciary activities income	$19,000	1,124
Service charges on deposit accounts	$372,000	2,228
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,626,000	1,071
Total noninterest expense	$4,681,000	1,713
Salaries and employee benefits	$2,627,000	1,628
Premises and equipment expense	$726,000	1,576
Additional noninterest expense	$1,328,000	1,813
Pre-tax net operating income	$1,081,000	3,330
Securities gains (losses)	$0	3,782
Applicable income taxes	$307,000	3,206
Income before extraordinary items	$774,000	3,599
Extraordinary gains, net	$0	30
Net income	$774,000	3,599
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	3,695
Cash dividends	$409,000	2,416
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$774,000	3,403
2003-03-31 (YTD Data)		Rank
Total interest income	$2,685,000	2,717
Total interest expense	$709,000	3,281
Net interest income	$1,976,000	2,461
Provision for loan and lease losses	$125,000	1,986
Total noninterest income	$995,000	1,339
Gross Fiduciary activities income	$17,000	1,042
Service charges on deposit accounts	$183,000	2,189
Trading account gains and fees	$0	134
Additional Noninterest Income	$795,000	1,052
Total noninterest expense	$2,336,000	1,698
Salaries and employee benefits	$1,286,000	1,656
Premises and equipment expense	$381,000	1,513
Additional noninterest expense	$669,000	1,753
Pre-tax net operating income	$510,000	3,443
Securities gains (losses)	$0	2,891
Applicable income taxes	$147,000	3,258
Income before extraordinary items	$363,000	3,712
Extraordinary gains, net	$0	21
Net income	$363,000	3,711
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	3,542
Cash dividends	$227,000	2,072
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$363,000	3,539
2002-12-31 (YTD Data)		Rank
Total interest income	$10,860,000	2,801
Total interest expense	$3,404,000	3,191
Net interest income	$7,456,000	2,567
Provision for loan and lease losses	$300,000	3,409
Total noninterest income	$3,292,000	1,458
Gross Fiduciary activities income	$6,000	1,474
Service charges on deposit accounts	$659,000	2,363
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,627,000	1,096
Total noninterest expense	$8,611,000	1,759
Salaries and employee benefits	$4,640,000	1,725
Premises and equipment expense	$1,434,000	1,546
Additional noninterest expense	$2,537,000	1,832
Pre-tax net operating income	$1,837,000	3,616
Securities gains (losses)	$0	4,537
Applicable income taxes	$587,000	3,159
Income before extraordinary items	$1,250,000	3,971
Extraordinary gains, net	$0	70
Net income	$1,250,000	3,971
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	5,060
Cash dividends	$417,000	3,760
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,250,000	3,868
2001-12-31 (YTD Data)		Rank
Total interest income	$11,589,000	2,922
Total interest expense	$5,688,000	2,798
Net interest income	$5,901,000	2,983
Provision for loan and lease losses	$252,000	3,587
Total noninterest income	$1,619,000	2,363
Gross Fiduciary activities income	$7,000	1,492
Service charges on deposit accounts	$536,000	2,675
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,076,000	1,933
Total noninterest expense	$5,963,000	2,391
Salaries and employee benefits	$3,311,000	2,264
Premises and equipment expense	$1,194,000	1,803
Additional noninterest expense	$1,458,000	2,945
Pre-tax net operating income	$1,305,000	4,213
Securities gains (losses)	$8,000	3,714
Applicable income taxes	$397,000	3,751
Income before extraordinary items	$916,000	4,516
Extraordinary gains, net	$0	105
Net income	$916,000	4,518
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,371
Cash dividends	$313,000	4,305
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$910,400	4,421
2000-12-31 (YTD Data)		Rank
Total interest income	$10,389,000	3,299
Total interest expense	$4,837,000	3,422
Net interest income	$5,552,000	3,167
Provision for loan and lease losses	$229,000	3,465
Total noninterest income	$852,000	3,517
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$456,000	2,931
Trading account gains and fees	$0	180
Additional Noninterest Income	$396,000	3,369
Total noninterest expense	$5,028,000	2,704
Salaries and employee benefits	$2,725,000	2,612
Premises and equipment expense	$1,070,000	1,947
Additional noninterest expense	$1,233,000	3,341
Pre-tax net operating income	$1,147,000	4,856
Securities gains (losses)	$-14,000	8,543
Applicable income taxes	$292,000	4,648
Income before extraordinary items	$841,000	4,898
Extraordinary gains, net	$0	38
Net income	$841,000	4,897
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	3,695
Cash dividends	$280,000	4,620
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$851,360	4,865
1999-12-31 (YTD Data)		Rank
Total interest income	$9,112,000	3,496
Total interest expense	$4,322,000	3,364
Net interest income	$4,790,000	3,589
Provision for loan and lease losses	$177,000	3,878
Total noninterest income	$886,000	3,375
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$457,000	2,850
Trading account gains and fees	$0	173
Additional Noninterest Income	$429,000	3,256
Total noninterest expense	$4,481,000	2,996
Salaries and employee benefits	$2,496,000	2,807
Premises and equipment expense	$911,000	2,234
Additional noninterest expense	$1,074,000	3,783
Pre-tax net operating income	$1,018,000	5,258
Securities gains (losses)	$3,000	2,393
Applicable income taxes	$218,000	5,520
Income before extraordinary items	$803,000	5,085
Extraordinary gains, net	$0	35
Net income	$803,000	5,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,271
Cash dividends	$170,000	5,476
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$800,630	5,048
1998-12-31 (YTD Data)		Rank
Total interest income	$8,295,000	3,817
Total interest expense	$3,818,000	3,830
Net interest income	$4,477,000	3,753
Provision for loan and lease losses	$19,000	7,809
Total noninterest income	$804,000	3,618
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$490,000	2,599
Trading account gains and fees	$0	224
Additional Noninterest Income	$314,000	3,919
Total noninterest expense	$4,245,000	3,062
Salaries and employee benefits	$2,218,000	3,023
Premises and equipment expense	$863,000	2,260
Additional noninterest expense	$1,164,000	3,459
Pre-tax net operating income	$1,017,000	5,360
Securities gains (losses)	$65,000	1,554
Applicable income taxes	$330,000	4,920
Income before extraordinary items	$752,000	5,391
Extraordinary gains, net	$0	32
Net income	$752,000	5,390
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	5,363
Cash dividends	$325,000	4,383
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$706,500	5,476
1997-12-31 (YTD Data)		Rank
Total interest income	$7,383,000	4,307
Total interest expense	$3,063,000	4,624
Net interest income	$4,320,000	3,955
Provision for loan and lease losses	$210,000	3,330
Total noninterest income	$744,000	3,788
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$500,000	2,621
Trading account gains and fees	NA	NA
Additional Noninterest Income	$244,000	4,439
Total noninterest expense	$3,753,000	3,367
Salaries and employee benefits	$1,855,000	3,534
Premises and equipment expense	$784,000	2,465
Additional noninterest expense	$1,114,000	3,563
Pre-tax net operating income	$1,101,000	5,529
Securities gains (losses)	$0	3,944
Applicable income taxes	$393,000	4,928
Income before extraordinary items	$708,000	5,866
Extraordinary gains, net	$0	44
Net income	$708,000	5,868
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,606
Cash dividends	$366,000	4,152
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$708,000	5,821
1996-12-31 (YTD Data)		Rank
Total interest income	$6,735,000	4,727
Total interest expense	$2,728,000	5,185
Net interest income	$4,007,000	4,314
Provision for loan and lease losses	$130,000	4,417
Total noninterest income	$675,000	4,222
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$512,000	2,662
Trading account gains and fees	NA	NA
Additional Noninterest Income	$163,000	5,724
Total noninterest expense	$3,699,000	3,588
Salaries and employee benefits	$1,730,000	3,802
Premises and equipment expense	$724,000	2,696
Additional noninterest expense	$1,245,000	3,668
Pre-tax net operating income	$853,000	6,283
Securities gains (losses)	$-9,000	10,223
Applicable income taxes	$322,000	5,592
Income before extraordinary items	$522,000	6,750
Extraordinary gains, net	$0	53
Net income	$522,000	6,753
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	4,811
Cash dividends	$574,000	3,152
Sale, conversion, retirement of capital stock, net	$473,000	479
Net operating income	$527,760	6,664
1995-12-31 (YTD Data)		Rank
Total interest income	$6,050,000	5,169
Total interest expense	$2,267,000	5,942
Net interest income	$3,783,000	4,532
Provision for loan and lease losses	$64,000	5,599
Total noninterest income	$682,000	4,170
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$509,000	2,667
Trading account gains and fees	NA	NA
Additional Noninterest Income	$173,000	5,560
Total noninterest expense	$3,646,000	3,602
Salaries and employee benefits	$1,755,000	3,726
Premises and equipment expense	$703,000	2,793
Additional noninterest expense	$1,188,000	3,770
Pre-tax net operating income	$755,000	7,033
Securities gains (losses)	$0	3,831
Applicable income taxes	$254,000	6,590
Income before extraordinary items	$501,000	7,247
Extraordinary gains, net	$0	65
Net income	$501,000	7,246
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	4,621
Cash dividends	$294,000	4,632
Sale, conversion, retirement of capital stock, net	$126,000	536
Net operating income	$501,000	7,216
1994-12-31 (YTD Data)		Rank
Total interest income	$5,516,000	5,229
Total interest expense	$1,655,000	6,457
Net interest income	$3,861,000	4,528
Provision for loan and lease losses	$187,000	3,148
Total noninterest income	$610,000	4,599
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$443,000	3,090
Trading account gains and fees	NA	NA
Additional Noninterest Income	$167,000	5,866
Total noninterest expense	$3,408,000	3,938
Salaries and employee benefits	$1,609,000	4,016
Premises and equipment expense	$629,000	3,133
Additional noninterest expense	$1,170,000	4,144
Pre-tax net operating income	$876,000	6,509
Securities gains (losses)	$0	3,600
Applicable income taxes	$276,000	6,177
Income before extraordinary items	$600,000	6,542
Extraordinary gains, net	$0	249
Net income	$600,000	6,558
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	2,982
Cash dividends	$216,000	5,269
Sale, conversion, retirement of capital stock, net	$21,000	1,017
Net operating income	$600,000	6,594
1993-12-31 (YTD Data)		Rank
Total interest income	$5,382,000	5,434
Total interest expense	$1,903,000	6,084
Net interest income	$3,479,000	4,984
Provision for loan and lease losses	$101,000	5,713
Total noninterest income	$656,000	4,645
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$480,000	2,916
Trading account gains and fees	NA	NA
Additional Noninterest Income	$176,000	6,056
Total noninterest expense	$3,555,000	3,859
Salaries and employee benefits	$1,680,000	3,858
Premises and equipment expense	$726,000	2,783
Additional noninterest expense	$1,149,000	4,363
Pre-tax net operating income	$479,000	8,789
Securities gains (losses)	$0	7,477
Applicable income taxes	$129,000	9,109
Income before extraordinary items	$350,000	8,932
Extraordinary gains, net	$0	3,149
Net income	$350,000	9,101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	4,512
Cash dividends	$127,000	6,425
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$350,000	8,672
1992-12-31 (YTD Data)		Rank
Total interest income	$5,525,000	5,880
Total interest expense	$2,483,000	6,027
Net interest income	$3,042,000	5,650
Provision for loan and lease losses	$23,000	10,448
Total noninterest income	$571,000	5,143
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$396,000	3,521
Trading account gains and fees	NA	NA
Additional Noninterest Income	$175,000	6,128
Total noninterest expense	$3,324,000	4,129
Salaries and employee benefits	$1,616,000	3,960
Premises and equipment expense	$645,000	3,140
Additional noninterest expense	$1,063,000	4,806
Pre-tax net operating income	$266,000	10,460
Securities gains (losses)	$14,000	6,053
Applicable income taxes	$88,000	10,227
Income before extraordinary items	$192,000	10,712
Extraordinary gains, net	$0	1,422
Net income	$192,000	10,823
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	8,990
Cash dividends	$3,000	8,860
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$182,340	10,504

* 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.