Home > SEVERN SAVINGS BANK, FSB DBA SEVERN BANK > Income and Expense

SEVERN SAVINGS BANK, FSB DBA SEVERN BANK, Income and Expense

2021-09-30 (YTD Data)		Rank
Total interest income	$24,604,000	993
Total interest expense	$2,301,000	933
Net interest income	$22,303,000	994
Provision for loan and lease losses	$-1,075,000	4,628
Total noninterest income	$12,462,000	613
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$2,111,000	416
Trading account gains and fees	$0	132
Additional Noninterest Income	$10,351,000	559
Total noninterest expense	$24,306,000	790
Salaries and employee benefits	$17,353,000	639
Premises and equipment expense	$1,332,000	1,352
Additional noninterest expense	$5,621,000	981
Pre-tax net operating income	$11,534,000	951
Securities gains (losses)	$-5,000	4,508
Applicable income taxes	$3,042,000	747
Income before extraordinary items	$8,487,000	1,080
Extraordinary gains, net	$0	8
Net income	$8,487,000	1,081
Minority interest net income	$0	69
Net income of bank and minority interests.	$8,487,000	1,081
Net charge-offs	$-288,000	4,738
Cash dividends	$2,700,000	932
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$8,490,950	1,067
2021-06-30 (YTD Data)		Rank
Total interest income	$16,463,000	977
Total interest expense	$1,601,000	932
Net interest income	$14,862,000	981
Provision for loan and lease losses	$-1,075,000	4,682
Total noninterest income	$8,655,000	591
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$1,401,000	407
Trading account gains and fees	$0	133
Additional Noninterest Income	$7,254,000	545
Total noninterest expense	$16,511,000	774
Salaries and employee benefits	$11,682,000	635
Premises and equipment expense	$893,000	1,340
Additional noninterest expense	$3,936,000	942
Pre-tax net operating income	$8,081,000	908
Securities gains (losses)	$-5,000	4,583
Applicable income taxes	$2,146,000	710
Income before extraordinary items	$5,930,000	1,044
Extraordinary gains, net	$0	6
Net income	$5,930,000	1,043
Minority interest net income	$0	67
Net income of bank and minority interests.	$5,930,000	1,044
Net charge-offs	$-283,000	4,810
Cash dividends	$1,800,000	930
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$5,933,950	1,019
2021-03-31 (YTD Data)		Rank
Total interest income	$8,596,000	943
Total interest expense	$839,000	944
Net interest income	$7,757,000	937
Provision for loan and lease losses	$-750,000	4,779
Total noninterest income	$5,407,000	511
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$688,000	410
Trading account gains and fees	$0	127
Additional Noninterest Income	$4,719,000	466
Total noninterest expense	$8,285,000	766
Salaries and employee benefits	$6,037,000	613
Premises and equipment expense	$439,000	1,385
Additional noninterest expense	$1,809,000	982
Pre-tax net operating income	$5,629,000	700
Securities gains (losses)	$-5,000	4,617
Applicable income taxes	$1,486,000	574
Income before extraordinary items	$4,138,000	789
Extraordinary gains, net	$0	3
Net income	$4,138,000	789
Minority interest net income	$0	55
Net income of bank and minority interests.	$4,138,000	789
Net charge-offs	$-215,000	4,868
Cash dividends	$900,000	813
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$4,141,950	765
2020-12-31 (YTD Data)		Rank
Total interest income	$33,852,000	952
Total interest expense	$5,800,000	827
Net interest income	$28,052,000	968
Provision for loan and lease losses	$900,000	1,710
Total noninterest income	$13,791,000	645
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$2,596,000	427
Trading account gains and fees	$0	133
Additional Noninterest Income	$11,195,000	598
Total noninterest expense	$31,155,000	784
Salaries and employee benefits	$22,472,000	630
Premises and equipment expense	$1,084,000	1,927
Additional noninterest expense	$7,599,000	919
Pre-tax net operating income	$9,788,000	1,078
Securities gains (losses)	$0	2,675
Applicable income taxes	$2,615,000	772
Income before extraordinary items	$7,173,000	1,237
Extraordinary gains, net	$0	4
Net income	$7,173,000	1,238
Minority interest net income	$0	72
Net income of bank and minority interests.	$7,173,000	1,238
Net charge-offs	$-632,000	4,968
Cash dividends	$3,400,000	1,022
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$7,173,000	1,203
2020-09-30 (YTD Data)		Rank
Total interest income	$25,174,000	968
Total interest expense	$4,809,000	799
Net interest income	$20,365,000	991
Provision for loan and lease losses	$850,000	1,500
Total noninterest income	$9,579,000	663
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,914,000	433
Trading account gains and fees	$0	125
Additional Noninterest Income	$7,665,000	604
Total noninterest expense	$22,658,000	799
Salaries and employee benefits	$16,160,000	645
Premises and equipment expense	$840,000	1,881
Additional noninterest expense	$5,658,000	909
Pre-tax net operating income	$6,436,000	1,154
Securities gains (losses)	$0	2,494
Applicable income taxes	$1,649,000	842
Income before extraordinary items	$4,787,000	1,320
Extraordinary gains, net	$0	4
Net income	$4,787,000	1,320
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,787,000	1,320
Net charge-offs	$-687,000	5,003
Cash dividends	$2,500,000	915
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$4,787,000	1,281
2020-06-30 (YTD Data)		Rank
Total interest income	$17,248,000	959
Total interest expense	$3,519,000	790
Net interest income	$13,729,000	982
Provision for loan and lease losses	$750,000	1,265
Total noninterest income	$5,391,000	685
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$1,263,000	428
Trading account gains and fees	$0	123
Additional Noninterest Income	$4,128,000	654
Total noninterest expense	$14,647,000	807
Salaries and employee benefits	$10,289,000	673
Premises and equipment expense	$615,000	1,760
Additional noninterest expense	$3,743,000	907
Pre-tax net operating income	$3,723,000	1,226
Securities gains (losses)	$0	2,249
Applicable income taxes	$892,000	904
Income before extraordinary items	$2,831,000	1,369
Extraordinary gains, net	$0	4
Net income	$2,831,000	1,369
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,831,000	1,369
Net charge-offs	$-280,000	5,001
Cash dividends	$1,600,000	940
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,831,000	1,332
2020-03-31 (YTD Data)		Rank
Total interest income	$8,900,000	935
Total interest expense	$1,966,000	803
Net interest income	$6,934,000	964
Provision for loan and lease losses	$750,000	712
Total noninterest income	$2,544,000	688
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$623,000	495
Trading account gains and fees	$0	106
Additional Noninterest Income	$1,921,000	629
Total noninterest expense	$7,551,000	797
Salaries and employee benefits	$5,289,000	652
Premises and equipment expense	$339,000	1,657
Additional noninterest expense	$1,923,000	904
Pre-tax net operating income	$1,177,000	1,608
Securities gains (losses)	$0	1,705
Applicable income taxes	$243,000	1,239
Income before extraordinary items	$934,000	1,761
Extraordinary gains, net	$0	4
Net income	$934,000	1,761
Minority interest net income	$0	56
Net income of bank and minority interests.	$934,000	1,761
Net charge-offs	$-28,000	4,736
Cash dividends	$800,000	949
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$934,000	1,722
2019-12-31 (YTD Data)		Rank
Total interest income	$39,744,000	859
Total interest expense	$8,238,000	803
Net interest income	$31,506,000	865
Provision for loan and lease losses	$-500,000	5,099
Total noninterest income	$8,341,000	787
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$2,429,000	518
Trading account gains and fees	$0	135
Additional Noninterest Income	$5,912,000	735
Total noninterest expense	$27,872,000	823
Salaries and employee benefits	$19,092,000	705
Premises and equipment expense	$1,035,000	1,988
Additional noninterest expense	$7,745,000	873
Pre-tax net operating income	$12,475,000	873
Securities gains (losses)	$0	2,379
Applicable income taxes	$3,251,000	667
Income before extraordinary items	$9,224,000	998
Extraordinary gains, net	$0	11
Net income	$9,224,000	999
Minority interest net income	$0	76
Net income of bank and minority interests.	$9,224,000	999
Net charge-offs	$406,000	1,183
Cash dividends	$6,340,000	669
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$9,224,000	982
2019-09-30 (YTD Data)		Rank
Total interest income	$30,571,000	843
Total interest expense	$6,213,000	802
Net interest income	$24,358,000	848
Provision for loan and lease losses	$-500,000	5,188
Total noninterest income	$6,137,000	792
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$1,796,000	522
Trading account gains and fees	$0	129
Additional Noninterest Income	$4,341,000	741
Total noninterest expense	$20,440,000	836
Salaries and employee benefits	$13,991,000	716
Premises and equipment expense	$687,000	2,170
Additional noninterest expense	$5,762,000	877
Pre-tax net operating income	$10,555,000	806
Securities gains (losses)	$0	2,167
Applicable income taxes	$2,706,000	633
Income before extraordinary items	$7,849,000	917
Extraordinary gains, net	$0	11
Net income	$7,849,000	918
Minority interest net income	$0	72
Net income of bank and minority interests.	$7,849,000	918
Net charge-offs	$112,000	1,691
Cash dividends	$2,040,000	1,169
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$7,849,000	904
2019-06-30 (YTD Data)		Rank
Total interest income	$20,735,000	821
Total interest expense	$4,283,000	769
Net interest income	$16,452,000	836
Provision for loan and lease losses	$0	3,685
Total noninterest income	$3,931,000	809
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$1,169,000	536
Trading account gains and fees	$0	131
Additional Noninterest Income	$2,762,000	752
Total noninterest expense	$13,280,000	853
Salaries and employee benefits	$9,114,000	727
Premises and equipment expense	$453,000	2,191
Additional noninterest expense	$3,713,000	916
Pre-tax net operating income	$7,103,000	776
Securities gains (losses)	$0	1,702
Applicable income taxes	$1,783,000	621
Income before extraordinary items	$5,320,000	882
Extraordinary gains, net	$0	11
Net income	$5,320,000	882
Minority interest net income	$0	69
Net income of bank and minority interests.	$5,320,000	882
Net charge-offs	$-48,000	4,900
Cash dividends	$1,240,000	1,258
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$5,320,000	869
2019-03-31 (YTD Data)		Rank
Total interest income	$10,528,000	803
Total interest expense	$2,176,000	746
Net interest income	$8,352,000	816
Provision for loan and lease losses	$0	3,406
Total noninterest income	$1,757,000	852
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$553,000	555
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,204,000	791
Total noninterest expense	$6,187,000	912
Salaries and employee benefits	$4,359,000	755
Premises and equipment expense	$238,000	2,153
Additional noninterest expense	$1,590,000	1,026
Pre-tax net operating income	$3,922,000	699
Securities gains (losses)	$0	1,087
Applicable income taxes	$991,000	574
Income before extraordinary items	$2,931,000	793
Extraordinary gains, net	$0	5
Net income	$2,931,000	793
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,931,000	792
Net charge-offs	$-41,000	5,027
Cash dividends	$620,000	1,152
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$2,931,000	777
2018-12-31 (YTD Data)		Rank
Total interest income	$37,595,000	843
Total interest expense	$7,593,000	658
Net interest income	$30,002,000	875
Provision for loan and lease losses	$-300,000	5,258
Total noninterest income	$6,426,000	931
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,748,000	726
Trading account gains and fees	$0	126
Additional Noninterest Income	$4,678,000	834
Total noninterest expense	$24,310,000	905
Salaries and employee benefits	$17,172,000	739
Premises and equipment expense	$848,000	2,279
Additional noninterest expense	$6,290,000	1,050
Pre-tax net operating income	$12,418,000	876
Securities gains (losses)	$0	1,125
Applicable income taxes	$3,102,000	651
Income before extraordinary items	$9,316,000	966
Extraordinary gains, net	$0	6
Net income	$9,316,000	965
Minority interest net income	$0	72
Net income of bank and minority interests.	$9,316,000	965
Net charge-offs	$-289,000	5,237
Cash dividends	$2,215,000	1,364
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$9,316,000	964
2018-09-30 (YTD Data)		Rank
Total interest income	$27,390,000	853
Total interest expense	$5,438,000	651
Net interest income	$21,952,000	899
Provision for loan and lease losses	$-300,000	5,346
Total noninterest income	$4,707,000	954
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,207,000	768
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,500,000	846
Total noninterest expense	$18,054,000	907
Salaries and employee benefits	$12,866,000	736
Premises and equipment expense	$600,000	2,387
Additional noninterest expense	$4,588,000	1,064
Pre-tax net operating income	$8,905,000	924
Securities gains (losses)	$0	1,118
Applicable income taxes	$2,358,000	659
Income before extraordinary items	$6,547,000	1,029
Extraordinary gains, net	$0	5
Net income	$6,547,000	1,028
Minority interest net income	$0	66
Net income of bank and minority interests.	$6,547,000	1,028
Net charge-offs	$-300,000	5,322
Cash dividends	$1,595,000	1,252
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$6,547,000	1,025
2018-06-30 (YTD Data)		Rank
Total interest income	$17,845,000	858
Total interest expense	$3,486,000	635
Net interest income	$14,359,000	912
Provision for loan and lease losses	$0	3,782
Total noninterest income	$2,964,000	989
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$730,000	828
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,234,000	871
Total noninterest expense	$11,504,000	946
Salaries and employee benefits	$8,354,000	759
Premises and equipment expense	$341,000	2,648
Additional noninterest expense	$2,809,000	1,130
Pre-tax net operating income	$5,819,000	923
Securities gains (losses)	$0	961
Applicable income taxes	$1,619,000	634
Income before extraordinary items	$4,200,000	1,045
Extraordinary gains, net	$0	6
Net income	$4,200,000	1,044
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,200,000	1,044
Net charge-offs	$-202,000	5,345
Cash dividends	$975,000	1,350
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$4,200,000	1,037
2018-03-31 (YTD Data)		Rank
Total interest income	$8,860,000	851
Total interest expense	$1,678,000	615
Net interest income	$7,182,000	909
Provision for loan and lease losses	$0	3,508
Total noninterest income	$1,403,000	1,016
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$337,000	896
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,066,000	889
Total noninterest expense	$5,657,000	974
Salaries and employee benefits	$4,124,000	775
Premises and equipment expense	$155,000	2,852
Additional noninterest expense	$1,378,000	1,143
Pre-tax net operating income	$2,928,000	886
Securities gains (losses)	$0	735
Applicable income taxes	$830,000	606
Income before extraordinary items	$2,098,000	1,028
Extraordinary gains, net	$0	7
Net income	$2,098,000	1,027
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,098,000	1,028
Net charge-offs	$-114,000	5,404
Cash dividends	$200,000	1,882
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$2,098,000	1,019
2017-12-31 (YTD Data)		Rank
Total interest income	$32,159,000	898
Total interest expense	$6,806,000	517
Net interest income	$25,353,000	999
Provision for loan and lease losses	$-650,000	5,556
Total noninterest income	$3,568,000	1,393
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$538,000	1,928
Trading account gains and fees	$0	151
Additional Noninterest Income	$3,030,000	1,151
Total noninterest expense	$20,778,000	1,022
Salaries and employee benefits	$14,489,000	844
Premises and equipment expense	$740,000	2,572
Additional noninterest expense	$5,549,000	1,148
Pre-tax net operating income	$8,793,000	1,093
Securities gains (losses)	$2,000	1,996
Applicable income taxes	$5,103,000	651
Income before extraordinary items	$3,692,000	1,716
Extraordinary gains, net	$0	9
Net income	$3,692,000	1,716
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,692,000	1,716
Net charge-offs	$265,000	1,583
Cash dividends	$820,000	2,427
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,690,720	1,697
2017-09-30 (YTD Data)		Rank
Total interest income	$23,644,000	910
Total interest expense	$5,162,000	500
Net interest income	$18,482,000	1,019
Provision for loan and lease losses	$-650,000	5,651
Total noninterest income	$2,514,000	1,468
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$351,000	2,146
Trading account gains and fees	$0	145
Additional Noninterest Income	$2,163,000	1,205
Total noninterest expense	$15,694,000	1,021
Salaries and employee benefits	$10,668,000	856
Premises and equipment expense	$557,000	2,584
Additional noninterest expense	$4,469,000	1,086
Pre-tax net operating income	$5,952,000	1,207
Securities gains (losses)	$2,000	2,024
Applicable income taxes	$2,173,000	870
Income before extraordinary items	$3,781,000	1,442
Extraordinary gains, net	$0	9
Net income	$3,781,000	1,441
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,781,000	1,442
Net charge-offs	$384,000	960
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,779,720	1,424
2017-06-30 (YTD Data)		Rank
Total interest income	$15,420,000	924
Total interest expense	$3,462,000	488
Net interest income	$11,958,000	1,039
Provision for loan and lease losses	$-650,000	5,720
Total noninterest income	$1,699,000	1,463
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$124,000	3,152
Trading account gains and fees	$0	139
Additional Noninterest Income	$1,575,000	1,152
Total noninterest expense	$10,796,000	1,000
Salaries and employee benefits	$7,383,000	829
Premises and equipment expense	$395,000	2,504
Additional noninterest expense	$3,018,000	1,081
Pre-tax net operating income	$3,511,000	1,317
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,356,000	902
Income before extraordinary items	$2,155,000	1,601
Extraordinary gains, net	$0	11
Net income	$2,155,000	1,601
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,155,000	1,601
Net charge-offs	$602,000	490
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,155,000	1,580
2017-03-31 (YTD Data)		Rank
Total interest income	$7,541,000	931
Total interest expense	$1,777,000	463
Net interest income	$5,764,000	1,070
Provision for loan and lease losses	$-275,000	5,786
Total noninterest income	$1,014,000	1,295
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$56,000	3,345
Trading account gains and fees	$0	142
Additional Noninterest Income	$958,000	991
Total noninterest expense	$5,292,000	1,024
Salaries and employee benefits	$3,736,000	825
Premises and equipment expense	$164,000	2,840
Additional noninterest expense	$1,392,000	1,148
Pre-tax net operating income	$1,761,000	1,302
Securities gains (losses)	$0	1,153
Applicable income taxes	$619,000	936
Income before extraordinary items	$1,142,000	1,513
Extraordinary gains, net	$0	8
Net income	$1,142,000	1,513
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,142,000	1,513
Net charge-offs	$363,000	416
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,142,000	1,493
2016-12-31 (YTD Data)		Rank
Total interest income	$30,684,000	876
Total interest expense	$7,588,000	395
Net interest income	$23,096,000	1,036
Provision for loan and lease losses	$-350,000	5,697
Total noninterest income	$5,618,000	1,056
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$227,000	3,415
Trading account gains and fees	$0	170
Additional Noninterest Income	$5,391,000	795
Total noninterest expense	$22,446,000	936
Salaries and employee benefits	$14,988,000	798
Premises and equipment expense	$618,000	2,962
Additional noninterest expense	$6,840,000	958
Pre-tax net operating income	$6,618,000	1,295
Securities gains (losses)	$0	3,212
Applicable income taxes	$-8,987,000	5,900
Income before extraordinary items	$15,605,000	506
Extraordinary gains, net	$0	5
Net income	$15,605,000	502
Minority interest net income	$0	82
Net income of bank and minority interests.	$15,605,000	505
Net charge-offs	$-563,000	5,816
Cash dividends	$23,000,000	196
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$15,605,000	499
2016-09-30 (YTD Data)		Rank
Total interest income	$22,939,000	874
Total interest expense	$5,712,000	388
Net interest income	$17,227,000	1,044
Provision for loan and lease losses	$150,000	2,338
Total noninterest income	$4,196,000	1,055
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$169,000	3,444
Trading account gains and fees	$0	169
Additional Noninterest Income	$4,027,000	793
Total noninterest expense	$16,770,000	946
Salaries and employee benefits	$11,162,000	795
Premises and equipment expense	$430,000	3,124
Additional noninterest expense	$5,178,000	949
Pre-tax net operating income	$4,503,000	1,419
Securities gains (losses)	$0	3,160
Applicable income taxes	$-10,308,000	5,974
Income before extraordinary items	$14,811,000	409
Extraordinary gains, net	$0	5
Net income	$14,811,000	408
Minority interest net income	$0	71
Net income of bank and minority interests.	$14,811,000	409
Net charge-offs	$-78,000	5,508
Cash dividends	$23,000,000	157
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$14,811,000	403
2016-06-30 (YTD Data)		Rank
Total interest income	$15,112,000	890
Total interest expense	$3,778,000	389
Net interest income	$11,334,000	1,051
Provision for loan and lease losses	$100,000	2,280
Total noninterest income	$2,669,000	1,074
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$118,000	3,367
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,551,000	816
Total noninterest expense	$11,060,000	955
Salaries and employee benefits	$7,249,000	817
Premises and equipment expense	$300,000	3,042
Additional noninterest expense	$3,511,000	942
Pre-tax net operating income	$2,843,000	1,466
Securities gains (losses)	$0	2,835
Applicable income taxes	$-10,708,000	6,054
Income before extraordinary items	$13,551,000	312
Extraordinary gains, net	$0	16
Net income	$13,551,000	312
Minority interest net income	$0	71
Net income of bank and minority interests.	$13,551,000	312
Net charge-offs	$53,000	2,100
Cash dividends	$9,500,000	222
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$13,551,000	307
2016-03-31 (YTD Data)		Rank
Total interest income	$7,487,000	894
Total interest expense	$1,880,000	386
Net interest income	$5,607,000	1,061
Provision for loan and lease losses	$0	3,656
Total noninterest income	$1,040,000	1,268
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$58,000	3,385
Trading account gains and fees	$0	142
Additional Noninterest Income	$982,000	946
Total noninterest expense	$5,303,000	992
Salaries and employee benefits	$3,541,000	831
Premises and equipment expense	$155,000	3,012
Additional noninterest expense	$1,607,000	1,016
Pre-tax net operating income	$1,344,000	1,513
Securities gains (losses)	$0	2,077
Applicable income taxes	$0	4,259
Income before extraordinary items	$1,344,000	1,288
Extraordinary gains, net	$0	12
Net income	$1,344,000	1,289
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,344,000	1,289
Net charge-offs	$124,000	896
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,344,000	1,248
2015-12-31 (YTD Data)		Rank
Total interest income	$31,081,000	829
Total interest expense	$7,670,000	354
Net interest income	$23,411,000	985
Provision for loan and lease losses	$-230,000	5,831
Total noninterest income	$6,132,000	983
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$253,000	3,333
Trading account gains and fees	$0	159
Additional Noninterest Income	$5,879,000	723
Total noninterest expense	$23,707,000	870
Salaries and employee benefits	$15,175,000	757
Premises and equipment expense	$978,000	2,208
Additional noninterest expense	$7,554,000	866
Pre-tax net operating income	$6,066,000	1,350
Securities gains (losses)	$0	3,216
Applicable income taxes	$89,000	3,381
Income before extraordinary items	$5,977,000	1,187
Extraordinary gains, net	$0	23
Net income	$5,977,000	1,188
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,977,000	1,187
Net charge-offs	$398,000	1,359
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$5,977,000	1,160
2015-09-30 (YTD Data)		Rank
Total interest income	$23,516,000	824
Total interest expense	$5,762,000	355
Net interest income	$17,754,000	980
Provision for loan and lease losses	$200,000	1,947
Total noninterest income	$4,792,000	956
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$195,000	3,309
Trading account gains and fees	$0	153
Additional Noninterest Income	$4,597,000	702
Total noninterest expense	$17,690,000	889
Salaries and employee benefits	$11,313,000	770
Premises and equipment expense	$822,000	2,053
Additional noninterest expense	$5,555,000	886
Pre-tax net operating income	$4,656,000	1,349
Securities gains (losses)	$0	3,031
Applicable income taxes	$87,000	3,347
Income before extraordinary items	$4,569,000	1,166
Extraordinary gains, net	$0	21
Net income	$4,569,000	1,165
Minority interest net income	$0	78
Net income of bank and minority interests.	$4,569,000	1,166
Net charge-offs	$946,000	520
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$4,569,000	1,134
2015-06-30 (YTD Data)		Rank
Total interest income	$15,601,000	821
Total interest expense	$3,818,000	359
Net interest income	$11,783,000	981
Provision for loan and lease losses	$200,000	1,484
Total noninterest income	$3,387,000	917
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$130,000	3,295
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,257,000	673
Total noninterest expense	$11,962,000	882
Salaries and employee benefits	$7,676,000	762
Premises and equipment expense	$603,000	1,908
Additional noninterest expense	$3,683,000	884
Pre-tax net operating income	$3,008,000	1,376
Securities gains (losses)	$0	2,636
Applicable income taxes	$35,000	3,631
Income before extraordinary items	$2,973,000	1,179
Extraordinary gains, net	$0	22
Net income	$2,973,000	1,179
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,973,000	1,180
Net charge-offs	$691,000	483
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,973,000	1,146
2015-03-31 (YTD Data)		Rank
Total interest income	$7,839,000	811
Total interest expense	$1,896,000	364
Net interest income	$5,943,000	962
Provision for loan and lease losses	$100,000	1,425
Total noninterest income	$1,028,000	1,264
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$59,000	3,409
Trading account gains and fees	$0	152
Additional Noninterest Income	$969,000	948
Total noninterest expense	$5,629,000	927
Salaries and employee benefits	$3,706,000	792
Premises and equipment expense	$302,000	1,924
Additional noninterest expense	$1,621,000	996
Pre-tax net operating income	$1,242,000	1,554
Securities gains (losses)	$0	2,027
Applicable income taxes	$0	4,400
Income before extraordinary items	$1,242,000	1,330
Extraordinary gains, net	$0	13
Net income	$1,242,000	1,331
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,242,000	1,332
Net charge-offs	$570,000	310
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,242,000	1,284
2014-12-31 (YTD Data)		Rank
Total interest income	$31,703,000	791
Total interest expense	$7,548,000	368
Net interest income	$24,155,000	914
Provision for loan and lease losses	$850,000	986
Total noninterest income	$4,600,000	1,168
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$169,000	4,192
Trading account gains and fees	$0	180
Additional Noninterest Income	$4,431,000	837
Total noninterest expense	$23,777,000	846
Salaries and employee benefits	$14,084,000	786
Premises and equipment expense	$1,041,000	2,163
Additional noninterest expense	$8,652,000	758
Pre-tax net operating income	$4,128,000	1,793
Securities gains (losses)	$0	3,259
Applicable income taxes	$8,000	4,244
Income before extraordinary items	$4,120,000	1,550
Extraordinary gains, net	$0	17
Net income	$4,120,000	1,548
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,120,000	1,549
Net charge-offs	$3,135,000	334
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,120,000	1,516
2014-09-30 (YTD Data)		Rank
Total interest income	$23,638,000	794
Total interest expense	$5,632,000	370
Net interest income	$18,006,000	922
Provision for loan and lease losses	$450,000	1,237
Total noninterest income	$3,118,000	1,260
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$120,000	4,327
Trading account gains and fees	$0	174
Additional Noninterest Income	$2,998,000	897
Total noninterest expense	$18,453,000	816
Salaries and employee benefits	$10,481,000	791
Premises and equipment expense	$731,000	2,318
Additional noninterest expense	$7,241,000	683
Pre-tax net operating income	$2,221,000	2,341
Securities gains (losses)	$0	2,980
Applicable income taxes	$8,000	4,246
Income before extraordinary items	$2,213,000	2,052
Extraordinary gains, net	$0	15
Net income	$2,213,000	2,051
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,213,000	2,050
Net charge-offs	$2,888,000	272
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,213,000	2,002
2014-06-30 (YTD Data)		Rank
Total interest income	$15,657,000	800
Total interest expense	$3,751,000	368
Net interest income	$11,906,000	924
Provision for loan and lease losses	$200,000	1,637
Total noninterest income	$1,911,000	1,323
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$79,000	4,354
Trading account gains and fees	$0	172
Additional Noninterest Income	$1,832,000	953
Total noninterest expense	$12,811,000	792
Salaries and employee benefits	$7,008,000	779
Premises and equipment expense	$473,000	2,387
Additional noninterest expense	$5,330,000	614
Pre-tax net operating income	$806,000	3,357
Securities gains (losses)	$0	2,580
Applicable income taxes	$8,000	4,156
Income before extraordinary items	$798,000	3,097
Extraordinary gains, net	$0	20
Net income	$798,000	3,103
Minority interest net income	$0	80
Net income of bank and minority interests.	$798,000	3,103
Net charge-offs	$1,092,000	463
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$798,000	3,049
2014-03-31 (YTD Data)		Rank
Total interest income	$7,899,000	799
Total interest expense	$1,879,000	371
Net interest income	$6,020,000	913
Provision for loan and lease losses	$200,000	985
Total noninterest income	$932,000	1,314
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$39,000	4,359
Trading account gains and fees	$0	147
Additional Noninterest Income	$893,000	929
Total noninterest expense	$5,603,000	901
Salaries and employee benefits	$3,518,000	791
Premises and equipment expense	$195,000	2,805
Additional noninterest expense	$1,890,000	841
Pre-tax net operating income	$1,149,000	1,572
Securities gains (losses)	$0	1,715
Applicable income taxes	$8,000	3,893
Income before extraordinary items	$1,141,000	1,328
Extraordinary gains, net	$0	16
Net income	$1,141,000	1,329
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,141,000	1,330
Net charge-offs	$714,000	379
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,141,000	1,301
2013-12-31 (YTD Data)		Rank
Total interest income	$33,642,000	739
Total interest expense	$8,326,000	372
Net interest income	$25,316,000	844
Provision for loan and lease losses	$16,500,000	110
Total noninterest income	$-705,000	6,787
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$115,000	5,042
Trading account gains and fees	$0	184
Additional Noninterest Income	$-820,000	6,772
Total noninterest expense	$23,621,000	866
Salaries and employee benefits	$13,816,000	784
Premises and equipment expense	$1,124,000	2,026
Additional noninterest expense	$8,681,000	788
Pre-tax net operating income	$-15,510,000	6,804
Securities gains (losses)	$0	3,182
Applicable income taxes	$8,660,000	299
Income before extraordinary items	$-24,170,000	6,802
Extraordinary gains, net	$0	29
Net income	$-24,170,000	6,802
Minority interest net income	$0	90
Net income of bank and minority interests.	$-24,170,000	6,802
Net charge-offs	$21,424,000	99
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$-24,170,000	6,802
2013-09-30 (YTD Data)		Rank
Total interest income	$25,715,000	725
Total interest expense	$6,342,000	374
Net interest income	$19,373,000	828
Provision for loan and lease losses	$12,800,000	109
Total noninterest income	$1,925,000	1,841
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	$1,848,000	1,336
Total noninterest expense	$18,750,000	813
Salaries and employee benefits	$10,316,000	781
Premises and equipment expense	$1,912,000	955
Additional noninterest expense	$6,522,000	783
Pre-tax net operating income	$-10,252,000	6,885
Securities gains (losses)	$0	3,040
Applicable income taxes	$8,660,000	257
Income before extraordinary items	$-18,912,000	6,881
Extraordinary gains, net	$0	25
Net income	$-18,912,000	6,881
Minority interest net income	$0	84
Net income of bank and minority interests.	$-18,912,000	6,881
Net charge-offs	$17,193,000	98
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-18,912,000	6,881
2013-06-30 (YTD Data)		Rank
Total interest income	$17,397,000	718
Total interest expense	$4,259,000	379
Net interest income	$13,138,000	807
Provision for loan and lease losses	$600,000	990
Total noninterest income	$2,460,000	1,173
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$54,000	5,183
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,406,000	861
Total noninterest expense	$13,020,000	790
Salaries and employee benefits	$7,035,000	771
Premises and equipment expense	$1,932,000	642
Additional noninterest expense	$4,053,000	829
Pre-tax net operating income	$1,978,000	1,735
Securities gains (losses)	$0	2,791
Applicable income taxes	$779,000	1,115
Income before extraordinary items	$1,199,000	2,295
Extraordinary gains, net	$0	22
Net income	$1,199,000	2,304
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,199,000	2,302
Net charge-offs	$4,569,000	220
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,199,000	2,211
2013-03-31 (YTD Data)		Rank
Total interest income	$8,873,000	711
Total interest expense	$2,147,000	391
Net interest income	$6,726,000	783
Provision for loan and lease losses	$300,000	980
Total noninterest income	$1,227,000	1,162
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$0	6,809
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,227,000	848
Total noninterest expense	$6,385,000	807
Salaries and employee benefits	$3,456,000	792
Premises and equipment expense	$995,000	633
Additional noninterest expense	$1,934,000	871
Pre-tax net operating income	$1,268,000	1,395
Securities gains (losses)	$0	1,966
Applicable income taxes	$512,000	893
Income before extraordinary items	$756,000	1,883
Extraordinary gains, net	$0	10
Net income	$756,000	1,885
Minority interest net income	$0	76
Net income of bank and minority interests.	$756,000	1,885
Net charge-offs	$1,498,000	328
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$756,000	1,803
2012-12-31 (YTD Data)		Rank
Total interest income	$38,897,000	673
Total interest expense	$11,684,000	341
Net interest income	$27,213,000	791
Provision for loan and lease losses	$765,000	2,134
Total noninterest income	$3,292,000	1,544
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$0	6,902
Trading account gains and fees	$0	166
Additional Noninterest Income	$3,292,000	1,095
Total noninterest expense	$23,213,000	872
Salaries and employee benefits	$11,407,000	911
Premises and equipment expense	$4,750,000	501
Additional noninterest expense	$7,056,000	991
Pre-tax net operating income	$6,527,000	1,093
Securities gains (losses)	$0	3,810
Applicable income taxes	$2,286,000	781
Income before extraordinary items	$4,241,000	1,381
Extraordinary gains, net	$0	29
Net income	$4,241,000	1,382
Minority interest net income	$0	93
Net income of bank and minority interests.	$4,241,000	1,382
Net charge-offs	$10,039,000	321
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$4,241,000	1,307
2012-09-30 (YTD Data)		Rank
Total interest income	$29,525,000	678
Total interest expense	$9,299,000	343
Net interest income	$20,226,000	811
Provision for loan and lease losses	$465,000	2,371
Total noninterest income	$4,366,000	1,026
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$0	6,990
Trading account gains and fees	$0	157
Additional Noninterest Income	$4,366,000	708
Total noninterest expense	$19,818,000	759
Salaries and employee benefits	$8,481,000	924
Premises and equipment expense	$3,555,000	511
Additional noninterest expense	$7,782,000	675
Pre-tax net operating income	$4,309,000	1,246
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,757,000	792
Income before extraordinary items	$2,552,000	1,717
Extraordinary gains, net	$0	20
Net income	$2,552,000	1,717
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,552,000	1,718
Net charge-offs	$10,380,000	255
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,552,000	1,608
2012-06-30 (YTD Data)		Rank
Total interest income	$20,463,000	649
Total interest expense	$6,483,000	341
Net interest income	$13,980,000	785
Provision for loan and lease losses	$465,000	1,888
Total noninterest income	$3,182,000	933
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$0	7,045
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,182,000	659
Total noninterest expense	$13,517,000	740
Salaries and employee benefits	$5,735,000	917
Premises and equipment expense	$2,373,000	507
Additional noninterest expense	$5,409,000	650
Pre-tax net operating income	$3,180,000	1,123
Securities gains (losses)	$0	3,178
Applicable income taxes	$1,284,000	725
Income before extraordinary items	$1,896,000	1,550
Extraordinary gains, net	$0	19
Net income	$1,896,000	1,549
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,896,000	1,550
Net charge-offs	$9,463,000	202
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,896,000	1,466
2012-03-31 (YTD Data)		Rank
Total interest income	$10,227,000	658
Total interest expense	$3,347,000	337
Net interest income	$6,880,000	799
Provision for loan and lease losses	$465,000	1,115
Total noninterest income	$1,566,000	948
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$0	7,087
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,566,000	660
Total noninterest expense	$6,888,000	721
Salaries and employee benefits	$2,909,000	894
Premises and equipment expense	$1,164,000	519
Additional noninterest expense	$2,815,000	626
Pre-tax net operating income	$1,093,000	1,557
Securities gains (losses)	$0	2,210
Applicable income taxes	$444,000	985
Income before extraordinary items	$649,000	2,129
Extraordinary gains, net	$0	19
Net income	$649,000	2,130
Minority interest net income	$0	78
Net income of bank and minority interests.	$649,000	2,131
Net charge-offs	$7,765,000	142
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$649,000	2,030
2011-12-31 (YTD Data)		Rank
Total interest income	$44,292,000	620
Total interest expense	$14,815,000	370
Net interest income	$29,477,000	744
Provision for loan and lease losses	$4,612,000	838
Total noninterest income	$2,768,000	1,589
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$96,000	5,577
Trading account gains and fees	$0	146
Additional Noninterest Income	$2,672,000	1,108
Total noninterest expense	$25,003,000	790
Salaries and employee benefits	$9,736,000	1,006
Premises and equipment expense	$4,618,000	541
Additional noninterest expense	$10,649,000	673
Pre-tax net operating income	$2,630,000	2,054
Securities gains (losses)	$145,000	1,733
Applicable income taxes	$892,000	1,460
Income before extraordinary items	$1,883,000	2,376
Extraordinary gains, net	$0	29
Net income	$1,883,000	2,376
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,883,000	2,377
Net charge-offs	$4,550,000	871
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,784,400	2,387
2011-09-30 (YTD Data)		Rank
Total interest income	$33,783,000	619
Total interest expense	$11,354,000	382
Net interest income	$22,429,000	735
Provision for loan and lease losses	$4,471,000	685
Total noninterest income	$1,652,000	1,869
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	5,946
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,597,000	1,290
Total noninterest expense	$18,914,000	786
Salaries and employee benefits	$7,411,000	995
Premises and equipment expense	$3,436,000	550
Additional noninterest expense	$8,067,000	663
Pre-tax net operating income	$696,000	3,981
Securities gains (losses)	$145,000	1,459
Applicable income taxes	$67,000	3,469
Income before extraordinary items	$774,000	3,576
Extraordinary gains, net	$0	21
Net income	$774,000	3,577
Minority interest net income	$0	87
Net income of bank and minority interests.	$774,000	3,577
Net charge-offs	$4,567,000	675
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$640,600	3,803
2011-06-30 (YTD Data)		Rank
Total interest income	$22,837,000	627
Total interest expense	$7,689,000	400
Net interest income	$15,148,000	727
Provision for loan and lease losses	$3,621,000	583
Total noninterest income	$1,048,000	1,926
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	6,404
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,024,000	1,319
Total noninterest expense	$12,923,000	770
Salaries and employee benefits	$4,985,000	991
Premises and equipment expense	$2,251,000	574
Additional noninterest expense	$5,687,000	646
Pre-tax net operating income	$-348,000	6,692
Securities gains (losses)	$27,000	1,941
Applicable income taxes	$-130,000	7,153
Income before extraordinary items	$-191,000	6,618
Extraordinary gains, net	$0	15
Net income	$-191,000	6,618
Minority interest net income	$0	89
Net income of bank and minority interests.	$-191,000	6,618
Net charge-offs	$4,195,000	539
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-208,280	6,605
2011-03-31 (YTD Data)		Rank
Total interest income	$11,647,000	617
Total interest expense	$3,935,000	407
Net interest income	$7,712,000	718
Provision for loan and lease losses	$634,000	1,218
Total noninterest income	$309,000	2,786
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	5,566
Trading account gains and fees	$0	158
Additional Noninterest Income	$285,000	1,973
Total noninterest expense	$6,501,000	774
Salaries and employee benefits	$2,530,000	986
Premises and equipment expense	$1,128,000	586
Additional noninterest expense	$2,843,000	636
Pre-tax net operating income	$886,000	1,612
Securities gains (losses)	$0	1,772
Applicable income taxes	$364,000	956
Income before extraordinary items	$522,000	2,174
Extraordinary gains, net	$0	9
Net income	$522,000	2,173
Minority interest net income	$0	86
Net income of bank and minority interests.	$522,000	2,174
Net charge-offs	$1,320,000	705
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$522,000	2,131
2010-12-31 (YTD Data)		Rank
Total interest income	$49,345,000	605
Total interest expense	$18,550,000	422
Net interest income	$30,795,000	711
Provision for loan and lease losses	$5,744,000	1,036
Total noninterest income	$2,162,000	1,978
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$2,162,000	1,334
Total noninterest expense	$24,447,000	821
Salaries and employee benefits	$9,118,000	1,080
Premises and equipment expense	$4,526,000	571
Additional noninterest expense	$10,803,000	701
Pre-tax net operating income	$2,766,000	1,739
Securities gains (losses)	$843,000	569
Applicable income taxes	$1,620,000	855
Income before extraordinary items	$1,989,000	2,037
Extraordinary gains, net	$0	29
Net income	$1,989,000	2,038
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,989,000	2,039
Net charge-offs	$11,170,000	554
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,449,480	2,470
2010-09-30 (YTD Data)		Rank
Total interest income	$37,581,000	599
Total interest expense	$14,296,000	433
Net interest income	$23,285,000	693
Provision for loan and lease losses	$4,544,000	941
Total noninterest income	$1,732,000	1,888
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,732,000	1,227
Total noninterest expense	$18,602,000	795
Salaries and employee benefits	$7,100,000	1,023
Premises and equipment expense	$3,399,000	566
Additional noninterest expense	$8,103,000	677
Pre-tax net operating income	$1,871,000	2,004
Securities gains (losses)	$435,000	833
Applicable income taxes	$1,067,000	951
Income before extraordinary items	$1,239,000	2,489
Extraordinary gains, net	$0	23
Net income	$1,239,000	2,486
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,239,000	2,490
Net charge-offs	$9,150,000	489
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$960,600	2,824
2010-06-30 (YTD Data)		Rank
Total interest income	$25,543,000	590
Total interest expense	$9,594,000	446
Net interest income	$15,949,000	672
Provision for loan and lease losses	$3,544,000	837
Total noninterest income	$982,000	2,080
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$982,000	1,313
Total noninterest expense	$12,571,000	786
Salaries and employee benefits	$4,765,000	1,017
Premises and equipment expense	$2,265,000	570
Additional noninterest expense	$5,541,000	658
Pre-tax net operating income	$816,000	2,759
Securities gains (losses)	$233,000	845
Applicable income taxes	$456,000	1,308
Income before extraordinary items	$593,000	3,088
Extraordinary gains, net	$0	19
Net income	$593,000	3,083
Minority interest net income	$0	105
Net income of bank and minority interests.	$593,000	3,086
Net charge-offs	$6,551,000	465
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$443,880	3,498
2010-03-31 (YTD Data)		Rank
Total interest income	$12,534,000	613
Total interest expense	$4,791,000	478
Net interest income	$7,743,000	704
Provision for loan and lease losses	$2,544,000	620
Total noninterest income	$393,000	2,396
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$393,000	1,526
Total noninterest expense	$6,196,000	797
Salaries and employee benefits	$2,331,000	1,053
Premises and equipment expense	$1,156,000	578
Additional noninterest expense	$2,709,000	677
Pre-tax net operating income	$-604,000	7,239
Securities gains (losses)	$111,000	744
Applicable income taxes	$-186,000	7,550
Income before extraordinary items	$-307,000	7,088
Extraordinary gains, net	$0	16
Net income	$-307,000	7,089
Minority interest net income	$0	91
Net income of bank and minority interests.	$-307,000	7,088
Net charge-offs	$3,423,000	438
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-378,040	7,138
2009-12-31 (YTD Data)		Rank
Total interest income	$52,513,000	620
Total interest expense	$25,170,000	443
Net interest income	$27,343,000	789
Provision for loan and lease losses	$30,987,000	362
Total noninterest income	$3,061,000	1,588
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	211
Additional Noninterest Income	$3,061,000	1,022
Total noninterest expense	$23,145,000	909
Salaries and employee benefits	$8,278,000	1,186
Premises and equipment expense	$4,401,000	605
Additional noninterest expense	$10,466,000	760
Pre-tax net operating income	$-23,728,000	7,753
Securities gains (losses)	$124,000	1,946
Applicable income taxes	$-9,537,000	7,863
Income before extraordinary items	$-14,067,000	7,659
Extraordinary gains, net	$0	34
Net income	$-14,067,000	7,657
Minority interest net income	$0	115
Net income of bank and minority interests.	$-14,067,000	7,658
Net charge-offs	$22,058,000	385
Cash dividends	$1,558,000	1,159
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-14,146,360	7,658
2009-09-30 (YTD Data)		Rank
Total interest income	$39,737,000	631
Total interest expense	$19,697,000	462
Net interest income	$20,040,000	814
Provision for loan and lease losses	$25,529,000	339
Total noninterest income	$2,212,000	1,658
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	212
Additional Noninterest Income	$2,212,000	1,078
Total noninterest expense	$16,396,000	954
Salaries and employee benefits	$6,432,000	1,149
Premises and equipment expense	$3,225,000	636
Additional noninterest expense	$6,739,000	837
Pre-tax net operating income	$-19,673,000	7,869
Securities gains (losses)	$49,000	2,314
Applicable income taxes	$-7,951,000	7,954
Income before extraordinary items	$-11,673,000	7,819
Extraordinary gains, net	$0	27
Net income	$-11,673,000	7,818
Minority interest net income	$0	118
Net income of bank and minority interests.	$-11,673,000	7,818
Net charge-offs	$18,722,000	320
Cash dividends	$1,558,000	817
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-11,704,360	7,818
2009-06-30 (YTD Data)		Rank
Total interest income	$26,412,000	648
Total interest expense	$13,608,000	473
Net interest income	$12,804,000	850
Provision for loan and lease losses	$16,839,000	335
Total noninterest income	$1,510,000	1,639
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,510,000	1,080
Total noninterest expense	$10,321,000	1,021
Salaries and employee benefits	$4,074,000	1,244
Premises and equipment expense	$2,081,000	670
Additional noninterest expense	$4,166,000	918
Pre-tax net operating income	$-12,846,000	7,961
Securities gains (losses)	$49,000	1,917
Applicable income taxes	$-5,169,000	8,043
Income before extraordinary items	$-7,628,000	7,902
Extraordinary gains, net	$0	21
Net income	$-7,628,000	7,901
Minority interest net income	$0	112
Net income of bank and minority interests.	$-7,628,000	7,901
Net charge-offs	$11,363,000	340
Cash dividends	$1,447,000	634
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-7,659,360	7,908
2009-03-31 (YTD Data)		Rank
Total interest income	$13,593,000	637
Total interest expense	$6,965,000	476
Net interest income	$6,628,000	815
Provision for loan and lease losses	$6,451,000	340
Total noninterest income	$753,000	1,616
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	171
Additional Noninterest Income	$753,000	1,061
Total noninterest expense	$4,658,000	1,079
Salaries and employee benefits	$2,011,000	1,282
Premises and equipment expense	$1,050,000	678
Additional noninterest expense	$1,597,000	1,057
Pre-tax net operating income	$-3,728,000	7,977
Securities gains (losses)	$49,000	1,313
Applicable income taxes	$-1,391,000	8,047
Income before extraordinary items	$-2,288,000	7,926
Extraordinary gains, net	$0	15
Net income	$-2,288,000	7,927
Minority interest net income	$0	102
Net income of bank and minority interests.	$-2,288,000	7,927
Net charge-offs	$5,800,000	288
Cash dividends	$862,000	532
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-2,319,360	7,931
2008-12-31 (YTD Data)		Rank
Total interest income	$62,192,000	602
Total interest expense	$32,315,000	490
Net interest income	$29,877,000	731
Provision for loan and lease losses	$7,278,000	766
Total noninterest income	$2,075,000	2,085
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	154
Additional Noninterest Income	$2,075,000	1,267
Total noninterest expense	$16,840,000	1,162
Salaries and employee benefits	$7,804,000	1,292
Premises and equipment expense	$4,187,000	656
Additional noninterest expense	$4,849,000	1,298
Pre-tax net operating income	$7,834,000	713
Securities gains (losses)	$239,000	642
Applicable income taxes	$2,917,000	479
Income before extraordinary items	$5,156,000	787
Extraordinary gains, net	$0	39
Net income	$5,156,000	787
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,443,000	511
Cash dividends	$3,393,000	801
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$5,003,040	875
2008-09-30 (YTD Data)		Rank
Total interest income	$47,712,000	612
Total interest expense	$24,712,000	510
Net interest income	$23,000,000	732
Provision for loan and lease losses	$4,365,000	706
Total noninterest income	$1,842,000	1,883
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,842,000	1,180
Total noninterest expense	$12,487,000	1,167
Salaries and employee benefits	$5,748,000	1,348
Premises and equipment expense	$3,166,000	660
Additional noninterest expense	$3,573,000	1,277
Pre-tax net operating income	$7,990,000	621
Securities gains (losses)	$216,000	582
Applicable income taxes	$3,039,000	453
Income before extraordinary items	$5,167,000	707
Extraordinary gains, net	$0	31
Net income	$5,167,000	706
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,514,000	410
Cash dividends	$2,500,000	832
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$5,028,760	764
2008-06-30 (YTD Data)		Rank
Total interest income	$32,728,000	601
Total interest expense	$17,033,000	512
Net interest income	$15,695,000	709
Provision for loan and lease losses	$1,500,000	949
Total noninterest income	$1,122,000	2,055
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,122,000	1,294
Total noninterest expense	$8,482,000	1,147
Salaries and employee benefits	$4,059,000	1,279
Premises and equipment expense	$2,092,000	668
Additional noninterest expense	$2,331,000	1,282
Pre-tax net operating income	$6,835,000	528
Securities gains (losses)	$190,000	641
Applicable income taxes	$2,645,000	417
Income before extraordinary items	$4,380,000	630
Extraordinary gains, net	$0	21
Net income	$4,380,000	629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,532,000	478
Cash dividends	$1,688,000	902
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$4,258,400	626
2008-03-31 (YTD Data)		Rank
Total interest income	$17,069,000	592
Total interest expense	$8,914,000	528
Net interest income	$8,155,000	680
Provision for loan and lease losses	$750,000	753
Total noninterest income	$597,000	1,965
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$597,000	1,236
Total noninterest expense	$4,050,000	1,193
Salaries and employee benefits	$2,001,000	1,306
Premises and equipment expense	$1,032,000	680
Additional noninterest expense	$1,017,000	1,411
Pre-tax net operating income	$3,952,000	497
Securities gains (losses)	$107,000	685
Applicable income taxes	$1,528,000	418
Income before extraordinary items	$2,531,000	593
Extraordinary gains, net	$0	15
Net income	$2,531,000	594
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,316,000	380
Cash dividends	$876,000	854
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$2,462,520	589
2007-12-31 (YTD Data)		Rank
Total interest income	$71,507,000	588
Total interest expense	$36,693,000	547
Net interest income	$34,814,000	644
Provision for loan and lease losses	$2,450,000	713
Total noninterest income	$2,523,000	1,877
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$2,523,000	1,149
Total noninterest expense	$15,564,000	1,200
Salaries and employee benefits	$8,756,000	1,146
Premises and equipment expense	$3,920,000	680
Additional noninterest expense	$2,888,000	1,902
Pre-tax net operating income	$19,323,000	480
Securities gains (losses)	$107,000	591
Applicable income taxes	$7,459,000	410
Income before extraordinary items	$11,971,000	549
Extraordinary gains, net	$0	39
Net income	$11,971,000	547
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,935,000	631
Cash dividends	$3,682,000	997
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$11,902,520	544
2007-09-30 (YTD Data)		Rank
Total interest income	$53,974,000	582
Total interest expense	$27,164,000	555
Net interest income	$26,810,000	620
Provision for loan and lease losses	$1,700,000	591
Total noninterest income	$1,855,000	1,902
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,855,000	1,181
Total noninterest expense	$11,837,000	1,179
Salaries and employee benefits	$6,817,000	1,105
Premises and equipment expense	$2,911,000	680
Additional noninterest expense	$2,109,000	1,913
Pre-tax net operating income	$15,128,000	492
Securities gains (losses)	$110,000	476
Applicable income taxes	$5,909,000	419
Income before extraordinary items	$9,329,000	570
Extraordinary gains, net	$0	33
Net income	$9,329,000	568
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,022,000	643
Cash dividends	$2,762,000	937
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$9,258,600	566
2007-06-30 (YTD Data)		Rank
Total interest income	$35,869,000	597
Total interest expense	$17,669,000	580
Net interest income	$18,200,000	628
Provision for loan and lease losses	$950,000	610
Total noninterest income	$1,288,000	1,857
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$1,288,000	1,170
Total noninterest expense	$7,933,000	1,192
Salaries and employee benefits	$4,655,000	1,093
Premises and equipment expense	$1,884,000	724
Additional noninterest expense	$1,394,000	1,937
Pre-tax net operating income	$10,605,000	507
Securities gains (losses)	$87,000	433
Applicable income taxes	$4,150,000	444
Income before extraordinary items	$6,542,000	573
Extraordinary gains, net	$0	29
Net income	$6,542,000	573
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$624,000	620
Cash dividends	$1,839,000	959
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$6,486,320	569
2007-03-31 (YTD Data)		Rank
Total interest income	$17,942,000	589
Total interest expense	$8,589,000	590
Net interest income	$9,353,000	613
Provision for loan and lease losses	$425,000	601
Total noninterest income	$598,000	1,948
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$598,000	1,203
Total noninterest expense	$3,905,000	1,204
Salaries and employee benefits	$2,273,000	1,133
Premises and equipment expense	$916,000	747
Additional noninterest expense	$716,000	1,862
Pre-tax net operating income	$5,621,000	486
Securities gains (losses)	$39,000	451
Applicable income taxes	$2,200,000	423
Income before extraordinary items	$3,460,000	551
Extraordinary gains, net	$0	22
Net income	$3,460,000	550
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	2,431
Cash dividends	$919,000	870
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$3,435,040	540
2006-12-31 (YTD Data)		Rank
Total interest income	$69,552,000	578
Total interest expense	$30,623,000	565
Net interest income	$38,929,000	593
Provision for loan and lease losses	$1,551,000	692
Total noninterest income	$1,275,000	3,010
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,275,000	1,876
Total noninterest expense	$11,842,000	1,506
Salaries and employee benefits	$8,517,000	1,148
Premises and equipment expense	$1,256,000	1,997
Additional noninterest expense	$2,069,000	2,497
Pre-tax net operating income	$26,811,000	445
Securities gains (losses)	$365,000	293
Applicable income taxes	$10,660,000	375
Income before extraordinary items	$16,516,000	490
Extraordinary gains, net	$0	51
Net income	$16,516,000	489
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	4,299
Cash dividends	$3,425,000	995
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$16,282,400	487
2006-09-30 (YTD Data)		Rank
Total interest income	$51,521,000	594
Total interest expense	$22,038,000	578
Net interest income	$29,483,000	602
Provision for loan and lease losses	$1,138,000	670
Total noninterest income	$974,000	2,986
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$974,000	1,856
Total noninterest expense	$8,764,000	1,532
Salaries and employee benefits	$6,403,000	1,154
Premises and equipment expense	$945,000	1,998
Additional noninterest expense	$1,416,000	2,694
Pre-tax net operating income	$20,555,000	459
Securities gains (losses)	$265,000	291
Applicable income taxes	$8,188,000	395
Income before extraordinary items	$12,632,000	501
Extraordinary gains, net	$0	45
Net income	$12,632,000	500
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$2,555,000	937
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$12,462,400	491
2006-06-30 (YTD Data)		Rank
Total interest income	$33,509,000	599
Total interest expense	$13,929,000	581
Net interest income	$19,580,000	601
Provision for loan and lease losses	$750,000	670
Total noninterest income	$651,000	2,971
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$651,000	1,861
Total noninterest expense	$5,885,000	1,525
Salaries and employee benefits	$4,396,000	1,119
Premises and equipment expense	$641,000	1,970
Additional noninterest expense	$848,000	2,973
Pre-tax net operating income	$13,596,000	457
Securities gains (losses)	$197,000	269
Applicable income taxes	$5,229,000	405
Income before extraordinary items	$8,564,000	495
Extraordinary gains, net	$0	39
Net income	$8,564,000	494
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$1,681,000	951
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$8,437,920	490
2006-03-31 (YTD Data)		Rank
Total interest income	$16,202,000	596
Total interest expense	$6,518,000	588
Net interest income	$9,684,000	598
Provision for loan and lease losses	$375,000	640
Total noninterest income	$314,000	2,991
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$314,000	1,871
Total noninterest expense	$2,781,000	1,620
Salaries and employee benefits	$2,090,000	1,189
Premises and equipment expense	$312,000	2,023
Additional noninterest expense	$379,000	3,266
Pre-tax net operating income	$6,842,000	450
Securities gains (losses)	$108,000	243
Applicable income taxes	$2,640,000	395
Income before extraordinary items	$4,310,000	492
Extraordinary gains, net	$0	21
Net income	$4,310,000	491
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$829,000	877
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$4,240,880	486
2005-12-31 (YTD Data)		Rank
Total interest income	$56,792,000	596
Total interest expense	$20,845,000	565
Net interest income	$35,947,000	609
Provision for loan and lease losses	$1,650,000	650
Total noninterest income	$1,167,000	3,207
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,167,000	2,007
Total noninterest expense	$11,613,000	1,485
Salaries and employee benefits	$8,296,000	1,116
Premises and equipment expense	$1,220,000	1,969
Additional noninterest expense	$2,097,000	2,376
Pre-tax net operating income	$23,851,000	467
Securities gains (losses)	$809,000	216
Applicable income taxes	$8,929,000	429
Income before extraordinary items	$15,731,000	495
Extraordinary gains, net	$0	46
Net income	$15,731,000	495
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,618
Cash dividends	$2,949,000	1,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$15,213,240	498
2005-09-30 (YTD Data)		Rank
Total interest income	$40,995,000	595
Total interest expense	$14,791,000	559
Net interest income	$26,204,000	615
Provision for loan and lease losses	$1,225,000	627
Total noninterest income	$872,000	3,213
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$872,000	1,995
Total noninterest expense	$8,668,000	1,477
Salaries and employee benefits	$6,136,000	1,123
Premises and equipment expense	$906,000	1,978
Additional noninterest expense	$1,626,000	2,268
Pre-tax net operating income	$17,183,000	480
Securities gains (losses)	$647,000	224
Applicable income taxes	$6,437,000	441
Income before extraordinary items	$11,393,000	510
Extraordinary gains, net	$0	35
Net income	$11,393,000	510
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$2,185,000	982
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$10,978,920	513
2005-06-30 (YTD Data)		Rank
Total interest income	$26,189,000	603
Total interest expense	$9,213,000	559
Net interest income	$16,976,000	625
Provision for loan and lease losses	$775,000	655
Total noninterest income	$589,000	3,144
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$589,000	1,957
Total noninterest expense	$5,840,000	1,450
Salaries and employee benefits	$4,131,000	1,103
Premises and equipment expense	$599,000	1,983
Additional noninterest expense	$1,110,000	2,206
Pre-tax net operating income	$10,950,000	492
Securities gains (losses)	$396,000	261
Applicable income taxes	$4,139,000	447
Income before extraordinary items	$7,207,000	526
Extraordinary gains, net	$0	30
Net income	$7,207,000	526
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$1,443,000	975
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$6,953,560	528
2005-03-31 (YTD Data)		Rank
Total interest income	$12,469,000	609
Total interest expense	$4,243,000	574
Net interest income	$8,226,000	630
Provision for loan and lease losses	$325,000	711
Total noninterest income	$283,000	3,189
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$283,000	1,963
Total noninterest expense	$2,962,000	1,427
Salaries and employee benefits	$2,061,000	1,107
Premises and equipment expense	$296,000	2,024
Additional noninterest expense	$605,000	2,025
Pre-tax net operating income	$5,222,000	501
Securities gains (losses)	$169,000	282
Applicable income taxes	$2,110,000	451
Income before extraordinary items	$3,281,000	565
Extraordinary gains, net	$0	24
Net income	$3,281,000	565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$725,000	886
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$3,172,840	567
2004-12-31 (YTD Data)		Rank
Total interest income	$44,589,000	627
Total interest expense	$14,549,000	567
Net interest income	$30,040,000	662
Provision for loan and lease losses	$1,200,000	884
Total noninterest income	$1,270,000	3,006
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,270,000	1,837
Total noninterest expense	$9,802,000	1,661
Salaries and employee benefits	$7,151,000	1,223
Premises and equipment expense	$1,091,000	2,110
Additional noninterest expense	$1,560,000	3,035
Pre-tax net operating income	$20,308,000	489
Securities gains (losses)	$792,000	330
Applicable income taxes	$8,149,000	420
Income before extraordinary items	$12,951,000	543
Extraordinary gains, net	$0	34
Net income	$12,951,000	544
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	3,672
Cash dividends	$1,898,000	1,438
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$12,444,120	541
2004-09-30 (YTD Data)		Rank
Total interest income	$32,123,000	650
Total interest expense	$10,289,000	589
Net interest income	$21,834,000	675
Provision for loan and lease losses	$900,000	852
Total noninterest income	$964,000	3,005
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$964,000	1,816
Total noninterest expense	$7,069,000	1,706
Salaries and employee benefits	$5,180,000	1,272
Premises and equipment expense	$795,000	2,155
Additional noninterest expense	$1,094,000	3,166
Pre-tax net operating income	$14,829,000	489
Securities gains (losses)	$632,000	364
Applicable income taxes	$5,907,000	426
Income before extraordinary items	$9,554,000	553
Extraordinary gains, net	$0	26
Net income	$9,554,000	554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	2,849
Cash dividends	$1,423,000	1,333
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$9,149,520	548
2004-06-30 (YTD Data)		Rank
Total interest income	$20,719,000	661
Total interest expense	$6,483,000	615
Net interest income	$14,236,000	683
Provision for loan and lease losses	$550,000	899
Total noninterest income	$635,000	3,049
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$635,000	1,844
Total noninterest expense	$4,560,000	1,759
Salaries and employee benefits	$3,307,000	1,319
Premises and equipment expense	$530,000	2,152
Additional noninterest expense	$723,000	3,213
Pre-tax net operating income	$9,761,000	495
Securities gains (losses)	$365,000	427
Applicable income taxes	$3,857,000	443
Income before extraordinary items	$6,269,000	562
Extraordinary gains, net	$0	21
Net income	$6,269,000	561
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	2,185
Cash dividends	$951,000	1,347
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$6,035,400	553
2004-03-31 (YTD Data)		Rank
Total interest income	$10,025,000	692
Total interest expense	$3,079,000	657
Net interest income	$6,946,000	703
Provision for loan and lease losses	$250,000	948
Total noninterest income	$268,000	3,362
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$268,000	2,024
Total noninterest expense	$2,136,000	1,876
Salaries and employee benefits	$1,475,000	1,507
Premises and equipment expense	$276,000	2,100
Additional noninterest expense	$385,000	3,015
Pre-tax net operating income	$4,828,000	498
Securities gains (losses)	$79,000	928
Applicable income taxes	$1,850,000	458
Income before extraordinary items	$3,057,000	575
Extraordinary gains, net	$0	16
Net income	$3,057,000	574
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$522,000	1,149
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$3,006,440	546
2003-12-31 (YTD Data)		Rank
Total interest income	$36,960,000	766
Total interest expense	$12,349,000	710
Net interest income	$24,611,000	775
Provision for loan and lease losses	$900,000	1,310
Total noninterest income	$1,622,000	2,669
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,622,000	1,717
Total noninterest expense	$8,241,000	1,928
Salaries and employee benefits	$5,864,000	1,469
Premises and equipment expense	$1,046,000	2,178
Additional noninterest expense	$1,331,000	3,426
Pre-tax net operating income	$17,092,000	538
Securities gains (losses)	$1,563,000	355
Applicable income taxes	$7,152,000	470
Income before extraordinary items	$11,503,000	593
Extraordinary gains, net	$0	54
Net income	$11,503,000	594
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,259
Cash dividends	$1,827,000	1,497
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$10,502,680	591
2003-09-30 (YTD Data)		Rank
Total interest income	$27,415,000	795
Total interest expense	$9,313,000	738
Net interest income	$18,102,000	807
Provision for loan and lease losses	$675,000	1,261
Total noninterest income	$1,261,000	2,677
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,261,000	1,742
Total noninterest expense	$6,123,000	1,948
Salaries and employee benefits	$4,353,000	1,482
Premises and equipment expense	$794,000	2,155
Additional noninterest expense	$976,000	3,462
Pre-tax net operating income	$12,565,000	559
Securities gains (losses)	$1,332,000	370
Applicable income taxes	$5,318,000	484
Income before extraordinary items	$8,579,000	610
Extraordinary gains, net	$0	40
Net income	$8,579,000	610
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	4,467
Cash dividends	$1,341,000	1,400
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$7,726,520	620
2003-06-30 (YTD Data)		Rank
Total interest income	$17,973,000	814
Total interest expense	$6,247,000	766
Net interest income	$11,726,000	825
Provision for loan and lease losses	$450,000	1,255
Total noninterest income	$820,000	2,709
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$820,000	1,750
Total noninterest expense	$3,955,000	1,997
Salaries and employee benefits	$2,860,000	1,507
Premises and equipment expense	$486,000	2,308
Additional noninterest expense	$609,000	3,660
Pre-tax net operating income	$8,141,000	571
Securities gains (losses)	$758,000	443
Applicable income taxes	$3,429,000	504
Income before extraordinary items	$5,470,000	637
Extraordinary gains, net	$0	30
Net income	$5,470,000	637
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	3,623
Cash dividends	$871,000	1,482
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$4,984,880	632
2003-03-31 (YTD Data)		Rank
Total interest income	$8,830,000	836
Total interest expense	$3,139,000	780
Net interest income	$5,691,000	858
Provision for loan and lease losses	$225,000	1,208
Total noninterest income	$396,000	2,707
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$396,000	1,750
Total noninterest expense	$1,945,000	2,017
Salaries and employee benefits	$1,434,000	1,496
Premises and equipment expense	$236,000	2,359
Additional noninterest expense	$275,000	3,922
Pre-tax net operating income	$3,917,000	594
Securities gains (losses)	$457,000	373
Applicable income taxes	$1,728,000	507
Income before extraordinary items	$2,646,000	649
Extraordinary gains, net	$0	21
Net income	$2,646,000	648
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	2,357
Cash dividends	$438,000	1,363
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$2,353,520	669
2002-12-31 (YTD Data)		Rank
Total interest income	$33,206,000	916
Total interest expense	$13,804,000	817
Net interest income	$19,402,000	1,002
Provision for loan and lease losses	$670,000	1,898
Total noninterest income	$1,565,000	2,553
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,565,000	1,597
Total noninterest expense	$7,015,000	2,142
Salaries and employee benefits	$4,986,000	1,618
Premises and equipment expense	$914,000	2,376
Additional noninterest expense	$1,115,000	3,829
Pre-tax net operating income	$13,282,000	666
Securities gains (losses)	$1,263,000	365
Applicable income taxes	$5,424,000	554
Income before extraordinary items	$9,121,000	695
Extraordinary gains, net	$0	70
Net income	$9,121,000	696
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,798
Cash dividends	$1,490,000	1,661
Sale, conversion, retirement of capital stock, net	$459,000	484
Net operating income	$8,312,680	734
2001-12-31 (YTD Data)		Rank
Total interest income	$29,288,000	1,160
Total interest expense	$16,111,000	1,003
Net interest income	$13,177,000	1,344
Provision for loan and lease losses	$729,000	1,615
Total noninterest income	$1,467,000	2,551
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,467,000	1,551
Total noninterest expense	$6,024,000	2,370
Salaries and employee benefits	$4,151,000	1,798
Premises and equipment expense	$858,000	2,466
Additional noninterest expense	$1,015,000	4,024
Pre-tax net operating income	$7,891,000	957
Securities gains (losses)	$810,000	458
Applicable income taxes	$3,160,000	803
Income before extraordinary items	$5,541,000	992
Extraordinary gains, net	$0	105
Net income	$5,541,000	993
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	4,857
Cash dividends	$1,250,000	1,904
Sale, conversion, retirement of capital stock, net	$3,407,000	238
Net operating income	$5,022,600	1,049
2000-12-31 (YTD Data)		Rank
Total interest income	$24,097,000	1,443
Total interest expense	$13,403,000	1,302
Net interest income	$10,694,000	1,640
Provision for loan and lease losses	$591,000	1,651
Total noninterest income	$1,264,000	2,660
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,264,000	1,593
Total noninterest expense	$5,369,000	2,537
Salaries and employee benefits	$3,609,000	1,984
Premises and equipment expense	$830,000	2,493
Additional noninterest expense	$930,000	4,230
Pre-tax net operating income	$5,998,000	1,237
Securities gains (losses)	$533,000	256
Applicable income taxes	$2,318,000	1,027
Income before extraordinary items	$4,213,000	1,245
Extraordinary gains, net	$0	38
Net income	$4,213,000	1,247
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	5,979
Cash dividends	$1,068,000	2,157
Sale, conversion, retirement of capital stock, net	$27,000	837
Net operating income	$3,866,550	1,359
1999-12-31 (YTD Data)		Rank
Total interest income	$19,906,000	1,629
Total interest expense	$10,529,000	1,422
Net interest income	$9,377,000	1,866
Provision for loan and lease losses	$640,000	1,423
Total noninterest income	$1,218,000	2,667
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,218,000	1,623
Total noninterest expense	$5,288,000	2,560
Salaries and employee benefits	$3,618,000	1,937
Premises and equipment expense	$804,000	2,528
Additional noninterest expense	$866,000	4,508
Pre-tax net operating income	$4,667,000	1,609
Securities gains (losses)	$678,000	284
Applicable income taxes	$1,856,000	1,316
Income before extraordinary items	$3,489,000	1,533
Extraordinary gains, net	$0	35
Net income	$3,489,000	1,534
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$257,000	2,042
Cash dividends	$1,014,000	2,220
Sale, conversion, retirement of capital stock, net	$29,000	907
Net operating income	$3,048,300	1,716
1998-12-31 (YTD Data)		Rank
Total interest income	$17,818,000	1,821
Total interest expense	$9,399,000	1,640
Net interest income	$8,419,000	2,037
Provision for loan and lease losses	$540,000	1,625
Total noninterest income	$1,175,000	2,735
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,175,000	1,652
Total noninterest expense	$5,386,000	2,421
Salaries and employee benefits	$3,448,000	1,926
Premises and equipment expense	$767,000	2,543
Additional noninterest expense	$1,171,000	3,447
Pre-tax net operating income	$3,668,000	1,978
Securities gains (losses)	$752,000	448
Applicable income taxes	$1,488,000	1,647
Income before extraordinary items	$2,932,000	1,797
Extraordinary gains, net	$0	32
Net income	$2,932,000	1,797
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$188,000	2,548
Cash dividends	$995,000	2,265
Sale, conversion, retirement of capital stock, net	$16,000	940
Net operating income	$2,435,680	2,075
1997-12-31 (YTD Data)		Rank
Total interest income	$14,311,000	2,279
Total interest expense	$7,382,000	2,062
Net interest income	$6,929,000	2,504
Provision for loan and lease losses	$430,000	1,986
Total noninterest income	$817,000	3,524
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$817,000	2,002
Total noninterest expense	$4,189,000	3,045
Salaries and employee benefits	$2,652,000	2,502
Premises and equipment expense	$679,000	2,822
Additional noninterest expense	$858,000	4,490
Pre-tax net operating income	$3,127,000	2,396
Securities gains (losses)	$444,000	455
Applicable income taxes	$1,285,000	1,951
Income before extraordinary items	$2,286,000	2,302
Extraordinary gains, net	$0	44
Net income	$2,286,000	2,302
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$268,000	2,116
Cash dividends	$716,000	2,750
Sale, conversion, retirement of capital stock, net	$3,892,000	253
Net operating income	$2,001,840	2,542
1996-12-31 (YTD Data)		Rank
Total interest income	$11,254,000	2,934
Total interest expense	$5,853,000	2,599
Net interest income	$5,401,000	3,277
Provision for loan and lease losses	$188,000	3,558
Total noninterest income	$495,000	5,197
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$495,000	2,945
Total noninterest expense	$4,148,000	3,243
Salaries and employee benefits	$2,179,000	3,066
Premises and equipment expense	$726,000	2,691
Additional noninterest expense	$1,243,000	3,676
Pre-tax net operating income	$1,560,000	4,199
Securities gains (losses)	$255,000	610
Applicable income taxes	$701,000	3,170
Income before extraordinary items	$1,114,000	4,117
Extraordinary gains, net	$0	53
Net income	$1,114,000	4,118
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	3,890
Cash dividends	$432,000	3,720
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$950,800	4,632
1995-12-31 (YTD Data)		Rank
Total interest income	$10,603,000	3,126
Total interest expense	$5,945,000	2,583
Net interest income	$4,658,000	3,770
Provision for loan and lease losses	$300,000	2,267
Total noninterest income	$612,000	4,498
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$612,000	2,502
Total noninterest expense	$2,890,000	4,429
Salaries and employee benefits	$1,778,000	3,692
Premises and equipment expense	$605,000	3,189
Additional noninterest expense	$507,000	7,202
Pre-tax net operating income	$2,080,000	3,365
Securities gains (losses)	$61,000	1,185
Applicable income taxes	$830,000	2,787
Income before extraordinary items	$1,311,000	3,654
Extraordinary gains, net	$0	65
Net income	$1,311,000	3,651
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$153,000	2,970
Cash dividends	$416,000	3,764
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$1,271,960	3,731
1994-12-31 (YTD Data)		Rank
Total interest income	$9,482,000	3,186
Total interest expense	$5,108,000	2,414
Net interest income	$4,374,000	4,026
Provision for loan and lease losses	$429,000	1,727
Total noninterest income	$471,000	5,505
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$471,000	3,064
Total noninterest expense	$2,653,000	4,895
Salaries and employee benefits	$1,609,000	4,016
Premises and equipment expense	$555,000	3,490
Additional noninterest expense	$489,000	7,958
Pre-tax net operating income	$1,763,000	3,822
Securities gains (losses)	$0	3,600
Applicable income taxes	$681,000	3,154
Income before extraordinary items	$1,082,000	4,237
Extraordinary gains, net	$0	249
Net income	$1,082,000	4,238
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$257,000	2,118
Cash dividends	$400,000	3,689
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,082,000	4,284
1993-12-31 (YTD Data)		Rank
Total interest income	$9,053,000	3,397
Total interest expense	$5,320,000	2,427
Net interest income	$3,733,000	4,691
Provision for loan and lease losses	$301,000	2,971
Total noninterest income	$711,000	4,388
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$711,000	2,570
Total noninterest expense	$2,393,000	5,470
Salaries and employee benefits	$1,423,000	4,485
Premises and equipment expense	$516,000	3,752
Additional noninterest expense	$454,000	8,683
Pre-tax net operating income	$1,750,000	3,789
Securities gains (losses)	$0	7,477
Applicable income taxes	$679,000	3,205
Income before extraordinary items	$1,071,000	4,421
Extraordinary gains, net	$39,000	2,328
Net income	$1,110,000	4,413
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	4,830
Cash dividends	$380,000	3,807
Sale, conversion, retirement of capital stock, net	$4,984,000	202
Net operating income	$1,071,000	4,197
1992-12-31 (YTD Data)		Rank
Total interest income	$9,309,000	3,754
Total interest expense	$5,845,000	2,850
Net interest income	$3,464,000	5,052
Provision for loan and lease losses	$315,000	4,000
Total noninterest income	$740,000	4,224
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$740,000	2,425
Total noninterest expense	$2,329,000	5,629
Salaries and employee benefits	$1,311,000	4,779
Premises and equipment expense	$490,000	4,041
Additional noninterest expense	$528,000	8,214
Pre-tax net operating income	$1,560,000	3,904
Securities gains (losses)	$36,000	4,684
Applicable income taxes	$682,000	3,052
Income before extraordinary items	$914,000	4,873
Extraordinary gains, net	$0	1,422
Net income	$914,000	4,921
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$230,000	3,902
Cash dividends	$320,000	3,843
Sale, conversion, retirement of capital stock, net	$96,000	841
Net operating income	$890,960	4,663

* 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.