Home > Skagit Bank > Income and Expense

Skagit Bank, Income and Expense

2018-09-30 (YTD Data)		Rank
Total interest income	$25,396,000	920
Total interest expense	$1,152,000	2,232
Net interest income	$24,244,000	815
Provision for loan and lease losses	$425,000	1,270
Total noninterest income	$5,363,000	879
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$2,511,000	395
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,852,000	966
Total noninterest expense	$18,978,000	871
Salaries and employee benefits	$11,628,000	808
Premises and equipment expense	$1,620,000	1,091
Additional noninterest expense	$5,730,000	863
Pre-tax net operating income	$10,204,000	810
Securities gains (losses)	$0	1,118
Applicable income taxes	$1,534,000	872
Income before extraordinary items	$8,670,000	811
Extraordinary gains, net	$0	5
Net income	$8,670,000	810
Minority interest net income	$0	66
Net income of bank and minority interests.	$8,670,000	810
Net charge-offs	$-44,000	4,892
Cash dividends	$2,083,000	1,046
Sale, conversion, retirement of capital stock, net	$59,000	487
Net operating income	$8,670,000	809
2018-06-30 (YTD Data)		Rank
Total interest income	$16,764,000	918
Total interest expense	$748,000	2,184
Net interest income	$16,016,000	816
Provision for loan and lease losses	$464,000	871
Total noninterest income	$3,388,000	904
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$1,648,000	397
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,740,000	1,034
Total noninterest expense	$12,643,000	872
Salaries and employee benefits	$7,709,000	810
Premises and equipment expense	$1,090,000	1,088
Additional noninterest expense	$3,844,000	863
Pre-tax net operating income	$6,297,000	856
Securities gains (losses)	$0	961
Applicable income taxes	$809,000	1,015
Income before extraordinary items	$5,488,000	828
Extraordinary gains, net	$0	6
Net income	$5,488,000	826
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,488,000	827
Net charge-offs	$41,000	1,877
Cash dividends	$1,633,000	894
Sale, conversion, retirement of capital stock, net	$38,000	468
Net operating income	$5,488,000	824
2018-03-31 (YTD Data)		Rank
Total interest income	$8,294,000	910
Total interest expense	$354,000	2,191
Net interest income	$7,940,000	820
Provision for loan and lease losses	$133,000	1,259
Total noninterest income	$1,740,000	881
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$785,000	412
Trading account gains and fees	NA	NA
Additional Noninterest Income	$955,000	957
Total noninterest expense	$6,303,000	883
Salaries and employee benefits	$3,828,000	827
Premises and equipment expense	$533,000	1,124
Additional noninterest expense	$1,942,000	841
Pre-tax net operating income	$3,244,000	805
Securities gains (losses)	$0	735
Applicable income taxes	$424,000	970
Income before extraordinary items	$2,820,000	789
Extraordinary gains, net	$0	7
Net income	$2,820,000	789
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,820,000	789
Net charge-offs	$25,000	1,552
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$20,000	428
Net operating income	$2,820,000	780
2017-12-31 (YTD Data)		Rank
Total interest income	$32,277,000	892
Total interest expense	$1,466,000	1,963
Net interest income	$30,811,000	816
Provision for loan and lease losses	$575,000	1,330
Total noninterest income	$5,848,000	1,001
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$3,192,000	417
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,656,000	1,272
Total noninterest expense	$25,311,000	860
Salaries and employee benefits	$15,461,000	796
Premises and equipment expense	$2,090,000	1,123
Additional noninterest expense	$7,760,000	851
Pre-tax net operating income	$10,773,000	931
Securities gains (losses)	$-4,000	4,949
Applicable income taxes	$3,388,000	882
Income before extraordinary items	$7,381,000	973
Extraordinary gains, net	$0	9
Net income	$7,381,000	973
Minority interest net income	$0	76
Net income of bank and minority interests.	$7,381,000	973
Net charge-offs	$395,000	1,278
Cash dividends	$5,184,000	657
Sale, conversion, retirement of capital stock, net	$100,000	491
Net operating income	$7,383,760	962
2017-09-30 (YTD Data)		Rank
Total interest income	$24,063,000	892
Total interest expense	$1,106,000	1,921
Net interest income	$22,957,000	822
Provision for loan and lease losses	$429,000	1,303
Total noninterest income	$4,419,000	1,010
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$2,405,000	420
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,014,000	1,280
Total noninterest expense	$18,941,000	861
Salaries and employee benefits	$11,420,000	806
Premises and equipment expense	$1,582,000	1,126
Additional noninterest expense	$5,939,000	828
Pre-tax net operating income	$8,006,000	961
Securities gains (losses)	$-4,000	5,286
Applicable income taxes	$1,919,000	941
Income before extraordinary items	$6,083,000	976
Extraordinary gains, net	$0	9
Net income	$6,083,000	976
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,083,000	976
Net charge-offs	$314,000	1,090
Cash dividends	$3,492,000	689
Sale, conversion, retirement of capital stock, net	$76,000	450
Net operating income	$6,086,040	961
2017-06-30 (YTD Data)		Rank
Total interest income	$15,998,000	882
Total interest expense	$737,000	1,893
Net interest income	$15,261,000	821
Provision for loan and lease losses	$348,000	1,097
Total noninterest income	$2,932,000	1,013
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$1,593,000	417
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,339,000	1,278
Total noninterest expense	$12,643,000	865
Salaries and employee benefits	$7,604,000	807
Premises and equipment expense	$1,052,000	1,126
Additional noninterest expense	$3,987,000	825
Pre-tax net operating income	$5,202,000	964
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,231,000	954
Income before extraordinary items	$3,971,000	978
Extraordinary gains, net	$0	11
Net income	$3,971,000	979
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,971,000	978
Net charge-offs	$302,000	822
Cash dividends	$3,492,000	490
Sale, conversion, retirement of capital stock, net	$52,000	422
Net operating income	$3,971,000	966
2017-03-31 (YTD Data)		Rank
Total interest income	$7,754,000	906
Total interest expense	$362,000	1,898
Net interest income	$7,392,000	838
Provision for loan and lease losses	$348,000	605
Total noninterest income	$1,441,000	1,017
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$772,000	428
Trading account gains and fees	NA	NA
Additional Noninterest Income	$669,000	1,266
Total noninterest expense	$6,206,000	879
Salaries and employee benefits	$3,785,000	817
Premises and equipment expense	$529,000	1,130
Additional noninterest expense	$1,892,000	860
Pre-tax net operating income	$2,279,000	1,046
Securities gains (losses)	$0	1,153
Applicable income taxes	$522,000	1,042
Income before extraordinary items	$1,757,000	1,071
Extraordinary gains, net	$0	8
Net income	$1,757,000	1,070
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,757,000	1,071
Net charge-offs	$17,000	1,973
Cash dividends	$2,000,000	391
Sale, conversion, retirement of capital stock, net	$25,000	401
Net operating income	$1,757,000	1,047
2016-12-31 (YTD Data)		Rank
Total interest income	$28,239,000	966
Total interest expense	$1,574,000	1,741
Net interest income	$26,665,000	895
Provision for loan and lease losses	$0	4,332
Total noninterest income	$3,952,000	1,358
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$3,145,000	430
Trading account gains and fees	$0	170
Additional Noninterest Income	$807,000	2,650
Total noninterest expense	$22,038,000	963
Salaries and employee benefits	$13,770,000	855
Premises and equipment expense	$2,221,000	1,070
Additional noninterest expense	$6,047,000	1,095
Pre-tax net operating income	$8,579,000	1,040
Securities gains (losses)	$186,000	920
Applicable income taxes	$2,075,000	1,020
Income before extraordinary items	$6,690,000	1,093
Extraordinary gains, net	$0	5
Net income	$6,690,000	1,092
Minority interest net income	$0	82
Net income of bank and minority interests.	$6,690,000	1,092
Net charge-offs	$-330,000	5,748
Cash dividends	$3,262,000	961
Sale, conversion, retirement of capital stock, net	$88,000	513
Net operating income	$6,548,640	1,089
2016-09-30 (YTD Data)		Rank
Total interest income	$20,785,000	982
Total interest expense	$1,204,000	1,707
Net interest income	$19,581,000	915
Provision for loan and lease losses	$0	4,186
Total noninterest income	$3,447,000	1,212
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$2,340,000	432
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,107,000	1,920
Total noninterest expense	$16,390,000	972
Salaries and employee benefits	$10,171,000	869
Premises and equipment expense	$1,710,000	1,035
Additional noninterest expense	$4,509,000	1,099
Pre-tax net operating income	$6,638,000	1,028
Securities gains (losses)	$186,000	848
Applicable income taxes	$1,695,000	984
Income before extraordinary items	$5,129,000	1,096
Extraordinary gains, net	$0	5
Net income	$5,129,000	1,096
Minority interest net income	$0	71
Net income of bank and minority interests.	$5,129,000	1,096
Net charge-offs	$-345,000	5,816
Cash dividends	$1,392,000	1,352
Sale, conversion, retirement of capital stock, net	$68,000	476
Net operating income	$4,989,500	1,092
2016-06-30 (YTD Data)		Rank
Total interest income	$13,760,000	993
Total interest expense	$812,000	1,673
Net interest income	$12,948,000	923
Provision for loan and lease losses	$0	4,017
Total noninterest income	$2,240,000	1,222
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$1,520,000	442
Trading account gains and fees	$0	157
Additional Noninterest Income	$720,000	1,920
Total noninterest expense	$10,790,000	982
Salaries and employee benefits	$6,628,000	896
Premises and equipment expense	$1,167,000	1,019
Additional noninterest expense	$2,995,000	1,097
Pre-tax net operating income	$4,398,000	1,027
Securities gains (losses)	$58,000	1,320
Applicable income taxes	$1,125,000	992
Income before extraordinary items	$3,331,000	1,104
Extraordinary gains, net	$0	16
Net income	$3,331,000	1,104
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,331,000	1,104
Net charge-offs	$-280,000	5,905
Cash dividends	$1,392,000	1,031
Sale, conversion, retirement of capital stock, net	$45,000	454
Net operating income	$3,287,500	1,091
2016-03-31 (YTD Data)		Rank
Total interest income	$6,802,000	1,000
Total interest expense	$405,000	1,676
Net interest income	$6,397,000	932
Provision for loan and lease losses	$0	3,656
Total noninterest income	$1,092,000	1,216
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$735,000	452
Trading account gains and fees	$0	142
Additional Noninterest Income	$357,000	1,878
Total noninterest expense	$5,365,000	985
Salaries and employee benefits	$3,289,000	897
Premises and equipment expense	$573,000	1,048
Additional noninterest expense	$1,503,000	1,087
Pre-tax net operating income	$2,124,000	1,035
Securities gains (losses)	$0	2,077
Applicable income taxes	$542,000	997
Income before extraordinary items	$1,582,000	1,132
Extraordinary gains, net	$0	12
Net income	$1,582,000	1,133
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,582,000	1,133
Net charge-offs	$-192,000	5,988
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$22,000	427
Net operating income	$1,582,000	1,108
2015-12-31 (YTD Data)		Rank
Total interest income	$24,876,000	1,047
Total interest expense	$1,680,000	1,613
Net interest income	$23,196,000	994
Provision for loan and lease losses	$-111,000	5,754
Total noninterest income	$4,383,000	1,220
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$2,940,000	454
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,443,000	1,911
Total noninterest expense	$20,291,000	1,016
Salaries and employee benefits	$12,430,000	918
Premises and equipment expense	$1,974,000	1,198
Additional noninterest expense	$5,887,000	1,101
Pre-tax net operating income	$7,399,000	1,148
Securities gains (losses)	$3,000	2,963
Applicable income taxes	$1,805,000	1,076
Income before extraordinary items	$5,597,000	1,247
Extraordinary gains, net	$0	23
Net income	$5,597,000	1,247
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,597,000	1,247
Net charge-offs	$169,000	2,150
Cash dividends	$2,980,000	991
Sale, conversion, retirement of capital stock, net	$19,000	700
Net operating income	$5,594,720	1,215
2015-09-30 (YTD Data)		Rank
Total interest income	$18,347,000	1,066
Total interest expense	$1,264,000	1,624
Net interest income	$17,083,000	1,020
Provision for loan and lease losses	$-111,000	5,932
Total noninterest income	$3,352,000	1,221
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$2,198,000	458
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,154,000	1,839
Total noninterest expense	$15,154,000	1,028
Salaries and employee benefits	$9,270,000	924
Premises and equipment expense	$1,451,000	1,231
Additional noninterest expense	$4,433,000	1,101
Pre-tax net operating income	$5,392,000	1,182
Securities gains (losses)	$3,000	2,757
Applicable income taxes	$1,367,000	1,105
Income before extraordinary items	$4,028,000	1,291
Extraordinary gains, net	$0	21
Net income	$4,028,000	1,292
Minority interest net income	$0	78
Net income of bank and minority interests.	$4,028,000	1,291
Net charge-offs	$-351,000	6,056
Cash dividends	$1,449,000	1,257
Sale, conversion, retirement of capital stock, net	$41,000	562
Net operating income	$4,025,750	1,257
2015-06-30 (YTD Data)		Rank
Total interest income	$12,047,000	1,080
Total interest expense	$845,000	1,634
Net interest income	$11,202,000	1,033
Provision for loan and lease losses	$-111,000	6,069
Total noninterest income	$2,342,000	1,197
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$1,444,000	460
Trading account gains and fees	$0	157
Additional Noninterest Income	$898,000	1,671
Total noninterest expense	$10,014,000	1,038
Salaries and employee benefits	$6,156,000	924
Premises and equipment expense	$922,000	1,299
Additional noninterest expense	$2,936,000	1,106
Pre-tax net operating income	$3,641,000	1,169
Securities gains (losses)	$3,000	2,361
Applicable income taxes	$933,000	1,080
Income before extraordinary items	$2,711,000	1,269
Extraordinary gains, net	$0	22
Net income	$2,711,000	1,271
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,711,000	1,270
Net charge-offs	$-271,000	6,129
Cash dividends	$1,449,000	923
Sale, conversion, retirement of capital stock, net	$27,000	542
Net operating income	$2,708,780	1,241
2015-03-31 (YTD Data)		Rank
Total interest income	$5,916,000	1,095
Total interest expense	$420,000	1,648
Net interest income	$5,496,000	1,046
Provision for loan and lease losses	$-111,000	6,216
Total noninterest income	$1,267,000	1,089
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$701,000	463
Trading account gains and fees	$0	152
Additional Noninterest Income	$566,000	1,376
Total noninterest expense	$5,069,000	1,024
Salaries and employee benefits	$3,140,000	909
Premises and equipment expense	$454,000	1,325
Additional noninterest expense	$1,475,000	1,086
Pre-tax net operating income	$1,805,000	1,146
Securities gains (losses)	$0	2,027
Applicable income taxes	$462,000	1,069
Income before extraordinary items	$1,343,000	1,254
Extraordinary gains, net	$0	13
Net income	$1,343,000	1,254
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,343,000	1,255
Net charge-offs	$-170,000	6,216
Cash dividends	$200,000	1,824
Sale, conversion, retirement of capital stock, net	$14,000	516
Net operating income	$1,343,000	1,207
2014-12-31 (YTD Data)		Rank
Total interest income	$23,928,000	1,068
Total interest expense	$1,789,000	1,625
Net interest income	$22,139,000	1,018
Provision for loan and lease losses	$0	4,603
Total noninterest income	$4,958,000	1,111
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$3,153,000	440
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,805,000	1,580
Total noninterest expense	$19,248,000	1,065
Salaries and employee benefits	$11,408,000	954
Premises and equipment expense	$1,716,000	1,386
Additional noninterest expense	$6,124,000	1,083
Pre-tax net operating income	$7,849,000	1,043
Securities gains (losses)	$0	3,259
Applicable income taxes	$1,889,000	1,023
Income before extraordinary items	$5,960,000	1,110
Extraordinary gains, net	$0	17
Net income	$5,960,000	1,109
Minority interest net income	$0	84
Net income of bank and minority interests.	$5,960,000	1,110
Net charge-offs	$-232,000	6,275
Cash dividends	$2,983,000	929
Sale, conversion, retirement of capital stock, net	$60,000	607
Net operating income	$5,960,000	1,081
2014-09-30 (YTD Data)		Rank
Total interest income	$17,893,000	1,078
Total interest expense	$1,354,000	1,629
Net interest income	$16,539,000	1,029
Provision for loan and lease losses	$0	4,401
Total noninterest income	$3,868,000	1,086
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$2,379,000	441
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,489,000	1,462
Total noninterest expense	$14,338,000	1,070
Salaries and employee benefits	$8,439,000	970
Premises and equipment expense	$1,251,000	1,430
Additional noninterest expense	$4,648,000	1,056
Pre-tax net operating income	$6,069,000	1,030
Securities gains (losses)	$0	2,980
Applicable income taxes	$1,519,000	986
Income before extraordinary items	$4,550,000	1,097
Extraordinary gains, net	$0	15
Net income	$4,550,000	1,096
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,550,000	1,096
Net charge-offs	$-171,000	6,315
Cash dividends	$1,452,000	1,180
Sale, conversion, retirement of capital stock, net	$43,000	583
Net operating income	$4,550,000	1,068
2014-06-30 (YTD Data)		Rank
Total interest income	$11,837,000	1,084
Total interest expense	$911,000	1,640
Net interest income	$10,926,000	1,028
Provision for loan and lease losses	$0	4,196
Total noninterest income	$2,594,000	1,060
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$1,579,000	440
Trading account gains and fees	$0	172
Additional Noninterest Income	$1,015,000	1,431
Total noninterest expense	$9,495,000	1,073
Salaries and employee benefits	$5,523,000	985
Premises and equipment expense	$837,000	1,428
Additional noninterest expense	$3,135,000	1,035
Pre-tax net operating income	$4,025,000	1,020
Securities gains (losses)	$0	2,580
Applicable income taxes	$997,000	969
Income before extraordinary items	$3,028,000	1,062
Extraordinary gains, net	$0	20
Net income	$3,028,000	1,062
Minority interest net income	$0	80
Net income of bank and minority interests.	$3,028,000	1,063
Net charge-offs	$-15,000	5,786
Cash dividends	$1,252,000	969
Sale, conversion, retirement of capital stock, net	$26,000	570
Net operating income	$3,028,000	1,044
2014-03-31 (YTD Data)		Rank
Total interest income	$5,783,000	1,106
Total interest expense	$455,000	1,665
Net interest income	$5,328,000	1,059
Provision for loan and lease losses	$0	3,817
Total noninterest income	$1,337,000	998
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$752,000	448
Trading account gains and fees	$0	147
Additional Noninterest Income	$585,000	1,269
Total noninterest expense	$4,702,000	1,085
Salaries and employee benefits	$2,858,000	964
Premises and equipment expense	$413,000	1,478
Additional noninterest expense	$1,431,000	1,121
Pre-tax net operating income	$1,963,000	992
Securities gains (losses)	$0	1,715
Applicable income taxes	$481,000	959
Income before extraordinary items	$1,482,000	1,059
Extraordinary gains, net	$0	16
Net income	$1,482,000	1,060
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,482,000	1,060
Net charge-offs	$-23,000	6,086
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$13,000	529
Net operating income	$1,482,000	1,033
2013-12-31 (YTD Data)		Rank
Total interest income	$24,105,000	1,054
Total interest expense	$2,129,000	1,611
Net interest income	$21,976,000	997
Provision for loan and lease losses	$0	5,091
Total noninterest income	$4,346,000	1,253
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$3,284,000	435
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,062,000	2,301
Total noninterest expense	$17,540,000	1,166
Salaries and employee benefits	$10,312,000	1,051
Premises and equipment expense	$1,550,000	1,537
Additional noninterest expense	$5,678,000	1,185
Pre-tax net operating income	$8,782,000	879
Securities gains (losses)	$0	3,182
Applicable income taxes	$2,077,000	876
Income before extraordinary items	$6,705,000	931
Extraordinary gains, net	$0	29
Net income	$6,705,000	933
Minority interest net income	$0	90
Net income of bank and minority interests.	$6,705,000	933
Net charge-offs	$56,000	4,265
Cash dividends	$5,712,000	507
Sale, conversion, retirement of capital stock, net	$126,000	514
Net operating income	$6,705,000	909
2013-09-30 (YTD Data)		Rank
Total interest income	$17,870,000	1,069
Total interest expense	$1,637,000	1,612
Net interest income	$16,233,000	1,018
Provision for loan and lease losses	$450,000	1,622
Total noninterest income	$3,236,000	1,275
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$2,498,000	432
Trading account gains and fees	$0	180
Additional Noninterest Income	$738,000	2,443
Total noninterest expense	$12,832,000	1,201
Salaries and employee benefits	$7,494,000	1,089
Premises and equipment expense	$1,172,000	1,534
Additional noninterest expense	$4,166,000	1,198
Pre-tax net operating income	$6,187,000	944
Securities gains (losses)	$0	3,040
Applicable income taxes	$1,452,000	956
Income before extraordinary items	$4,735,000	984
Extraordinary gains, net	$0	25
Net income	$4,735,000	987
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,735,000	987
Net charge-offs	$6,000	4,860
Cash dividends	$4,181,000	486
Sale, conversion, retirement of capital stock, net	$102,000	456
Net operating income	$4,735,000	959
2013-06-30 (YTD Data)		Rank
Total interest income	$11,582,000	1,098
Total interest expense	$1,132,000	1,582
Net interest income	$10,450,000	1,044
Provision for loan and lease losses	$300,000	1,629
Total noninterest income	$2,269,000	1,249
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$1,668,000	428
Trading account gains and fees	$0	157
Additional Noninterest Income	$601,000	2,232
Total noninterest expense	$8,636,000	1,176
Salaries and employee benefits	$4,976,000	1,095
Premises and equipment expense	$796,000	1,511
Additional noninterest expense	$2,864,000	1,162
Pre-tax net operating income	$3,783,000	999
Securities gains (losses)	$0	2,791
Applicable income taxes	$853,000	1,051
Income before extraordinary items	$2,930,000	1,060
Extraordinary gains, net	$0	22
Net income	$2,930,000	1,061
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,930,000	1,063
Net charge-offs	$-49,000	6,546
Cash dividends	$2,131,000	592
Sale, conversion, retirement of capital stock, net	$84,000	398
Net operating income	$2,930,000	1,020
2013-03-31 (YTD Data)		Rank
Total interest income	$5,803,000	1,106
Total interest expense	$603,000	1,532
Net interest income	$5,200,000	1,051
Provision for loan and lease losses	$150,000	1,610
Total noninterest income	$1,084,000	1,284
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$792,000	444
Trading account gains and fees	$0	148
Additional Noninterest Income	$292,000	2,257
Total noninterest expense	$4,225,000	1,212
Salaries and employee benefits	$2,488,000	1,098
Premises and equipment expense	$409,000	1,487
Additional noninterest expense	$1,328,000	1,237
Pre-tax net operating income	$1,909,000	969
Securities gains (losses)	$0	1,966
Applicable income taxes	$432,000	1,032
Income before extraordinary items	$1,477,000	1,035
Extraordinary gains, net	$0	10
Net income	$1,477,000	1,034
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,477,000	1,037
Net charge-offs	$-79,000	6,804
Cash dividends	$850,000	637
Sale, conversion, retirement of capital stock, net	$18,000	482
Net operating income	$1,477,000	983
2012-12-31 (YTD Data)		Rank
Total interest income	$24,958,000	1,072
Total interest expense	$2,920,000	1,518
Net interest income	$22,038,000	996
Provision for loan and lease losses	$900,000	1,884
Total noninterest income	$4,411,000	1,245
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$3,227,000	461
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,184,000	2,160
Total noninterest expense	$17,112,000	1,181
Salaries and employee benefits	$9,804,000	1,074
Premises and equipment expense	$1,579,000	1,510
Additional noninterest expense	$5,729,000	1,201
Pre-tax net operating income	$8,437,000	851
Securities gains (losses)	$21,000	3,160
Applicable income taxes	$1,874,000	922
Income before extraordinary items	$6,584,000	913
Extraordinary gains, net	$0	29
Net income	$6,584,000	912
Minority interest net income	$0	93
Net income of bank and minority interests.	$6,584,000	913
Net charge-offs	$617,000	2,381
Cash dividends	$5,450,000	533
Sale, conversion, retirement of capital stock, net	$119,000	532
Net operating income	$6,567,620	846
2012-09-30 (YTD Data)		Rank
Total interest income	$18,918,000	1,074
Total interest expense	$2,262,000	1,544
Net interest income	$16,656,000	990
Provision for loan and lease losses	$900,000	1,552
Total noninterest income	$3,319,000	1,249
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$2,411,000	463
Trading account gains and fees	$0	157
Additional Noninterest Income	$908,000	2,116
Total noninterest expense	$12,681,000	1,192
Salaries and employee benefits	$7,302,000	1,068
Premises and equipment expense	$1,180,000	1,521
Additional noninterest expense	$4,199,000	1,222
Pre-tax net operating income	$6,394,000	876
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,438,000	942
Income before extraordinary items	$4,956,000	925
Extraordinary gains, net	$0	20
Net income	$4,956,000	925
Minority interest net income	$0	86
Net income of bank and minority interests.	$4,956,000	925
Net charge-offs	$475,000	2,263
Cash dividends	$1,905,000	819
Sale, conversion, retirement of capital stock, net	$104,000	463
Net operating income	$4,956,000	866
2012-06-30 (YTD Data)		Rank
Total interest income	$12,696,000	1,080
Total interest expense	$1,558,000	1,546
Net interest income	$11,138,000	993
Provision for loan and lease losses	$600,000	1,572
Total noninterest income	$2,248,000	1,220
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$1,605,000	457
Trading account gains and fees	$0	153
Additional Noninterest Income	$643,000	2,021
Total noninterest expense	$8,412,000	1,197
Salaries and employee benefits	$4,839,000	1,076
Premises and equipment expense	$793,000	1,501
Additional noninterest expense	$2,780,000	1,227
Pre-tax net operating income	$4,374,000	834
Securities gains (losses)	$0	3,178
Applicable income taxes	$1,017,000	871
Income before extraordinary items	$3,357,000	906
Extraordinary gains, net	$0	19
Net income	$3,357,000	905
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,357,000	906
Net charge-offs	$242,000	2,535
Cash dividends	$1,705,000	614
Sale, conversion, retirement of capital stock, net	$69,000	433
Net operating income	$3,357,000	845
2012-03-31 (YTD Data)		Rank
Total interest income	$6,333,000	1,085
Total interest expense	$825,000	1,529
Net interest income	$5,508,000	996
Provision for loan and lease losses	$300,000	1,500
Total noninterest income	$1,139,000	1,209
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$772,000	472
Trading account gains and fees	$0	148
Additional Noninterest Income	$367,000	1,864
Total noninterest expense	$4,257,000	1,176
Salaries and employee benefits	$2,435,000	1,064
Premises and equipment expense	$398,000	1,494
Additional noninterest expense	$1,424,000	1,195
Pre-tax net operating income	$2,090,000	857
Securities gains (losses)	$0	2,210
Applicable income taxes	$479,000	925
Income before extraordinary items	$1,611,000	928
Extraordinary gains, net	$0	19
Net income	$1,611,000	929
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,611,000	929
Net charge-offs	$127,000	2,244
Cash dividends	$200,000	1,565
Sale, conversion, retirement of capital stock, net	$35,000	385
Net operating income	$1,611,000	880
2011-12-31 (YTD Data)		Rank
Total interest income	$26,114,000	1,084
Total interest expense	$4,410,000	1,378
Net interest income	$21,704,000	1,012
Provision for loan and lease losses	$1,229,000	2,129
Total noninterest income	$3,510,000	1,338
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$3,214,000	471
Trading account gains and fees	$0	146
Additional Noninterest Income	$296,000	3,888
Total noninterest expense	$17,011,000	1,155
Salaries and employee benefits	$9,193,000	1,072
Premises and equipment expense	$1,526,000	1,622
Additional noninterest expense	$6,292,000	1,120
Pre-tax net operating income	$6,974,000	873
Securities gains (losses)	$1,000	3,733
Applicable income taxes	$1,267,000	1,125
Income before extraordinary items	$5,708,000	880
Extraordinary gains, net	$0	29
Net income	$5,708,000	879
Minority interest net income	$0	96
Net income of bank and minority interests.	$5,708,000	880
Net charge-offs	$3,125,000	1,165
Cash dividends	$3,738,000	556
Sale, conversion, retirement of capital stock, net	$239,000	513
Net operating income	$5,707,180	849
2011-09-30 (YTD Data)		Rank
Total interest income	$19,454,000	1,106
Total interest expense	$3,489,000	1,364
Net interest income	$15,965,000	1,042
Provision for loan and lease losses	$704,000	2,432
Total noninterest income	$2,559,000	1,367
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$2,400,000	480
Trading account gains and fees	$0	145
Additional Noninterest Income	$159,000	4,438
Total noninterest expense	$12,900,000	1,144
Salaries and employee benefits	$7,037,000	1,045
Premises and equipment expense	$1,137,000	1,656
Additional noninterest expense	$4,726,000	1,115
Pre-tax net operating income	$4,920,000	941
Securities gains (losses)	$0	3,555
Applicable income taxes	$954,000	1,131
Income before extraordinary items	$3,966,000	972
Extraordinary gains, net	$0	21
Net income	$3,966,000	969
Minority interest net income	$0	87
Net income of bank and minority interests.	$3,966,000	972
Net charge-offs	$2,066,000	1,195
Cash dividends	$1,827,000	691
Sale, conversion, retirement of capital stock, net	$181,000	466
Net operating income	$3,966,000	924
2011-06-30 (YTD Data)		Rank
Total interest income	$12,924,000	1,123
Total interest expense	$2,410,000	1,365
Net interest income	$10,514,000	1,059
Provision for loan and lease losses	$479,000	2,375
Total noninterest income	$1,901,000	1,275
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$1,589,000	481
Trading account gains and fees	$0	153
Additional Noninterest Income	$312,000	2,813
Total noninterest expense	$8,726,000	1,148
Salaries and employee benefits	$4,661,000	1,069
Premises and equipment expense	$767,000	1,656
Additional noninterest expense	$3,298,000	1,083
Pre-tax net operating income	$3,210,000	952
Securities gains (losses)	$0	2,914
Applicable income taxes	$570,000	1,197
Income before extraordinary items	$2,640,000	933
Extraordinary gains, net	$0	15
Net income	$2,640,000	931
Minority interest net income	$0	89
Net income of bank and minority interests.	$2,640,000	933
Net charge-offs	$1,305,000	1,243
Cash dividends	$1,327,000	634
Sale, conversion, retirement of capital stock, net	$121,000	381
Net operating income	$2,640,000	906
2011-03-31 (YTD Data)		Rank
Total interest income	$6,354,000	1,146
Total interest expense	$1,257,000	1,353
Net interest income	$5,097,000	1,083
Provision for loan and lease losses	$325,000	1,844
Total noninterest income	$795,000	1,427
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$744,000	504
Trading account gains and fees	$0	158
Additional Noninterest Income	$51,000	4,640
Total noninterest expense	$4,305,000	1,167
Salaries and employee benefits	$2,336,000	1,081
Premises and equipment expense	$385,000	1,672
Additional noninterest expense	$1,584,000	1,127
Pre-tax net operating income	$1,262,000	1,164
Securities gains (losses)	$0	1,772
Applicable income taxes	$216,000	1,432
Income before extraordinary items	$1,046,000	1,172
Extraordinary gains, net	$0	9
Net income	$1,046,000	1,172
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,046,000	1,172
Net charge-offs	$58,000	3,227
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$60,000	329
Net operating income	$1,046,000	1,144
2010-12-31 (YTD Data)		Rank
Total interest income	$28,123,000	1,102
Total interest expense	$5,993,000	1,387
Net interest income	$22,130,000	997
Provision for loan and lease losses	$1,700,000	2,292
Total noninterest income	$3,566,000	1,376
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$2,945,000	504
Trading account gains and fees	$0	175
Additional Noninterest Income	$621,000	2,859
Total noninterest expense	$17,071,000	1,186
Salaries and employee benefits	$9,394,000	1,044
Premises and equipment expense	$1,777,000	1,441
Additional noninterest expense	$5,900,000	1,252
Pre-tax net operating income	$6,925,000	777
Securities gains (losses)	$0	3,793
Applicable income taxes	$1,266,000	1,020
Income before extraordinary items	$5,659,000	774
Extraordinary gains, net	$0	29
Net income	$5,659,000	774
Minority interest net income	$0	111
Net income of bank and minority interests.	$5,659,000	775
Net charge-offs	$1,504,000	2,183
Cash dividends	$2,554,000	639
Sale, conversion, retirement of capital stock, net	$238,000	600
Net operating income	$5,659,000	742
2010-09-30 (YTD Data)		Rank
Total interest income	$21,168,000	1,112
Total interest expense	$4,616,000	1,403
Net interest income	$16,552,000	1,006
Provision for loan and lease losses	$1,310,000	2,164
Total noninterest income	$2,570,000	1,396
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$2,204,000	516
Trading account gains and fees	$0	165
Additional Noninterest Income	$366,000	3,237
Total noninterest expense	$12,847,000	1,168
Salaries and employee benefits	$7,178,000	1,011
Premises and equipment expense	$1,333,000	1,462
Additional noninterest expense	$4,336,000	1,250
Pre-tax net operating income	$4,965,000	845
Securities gains (losses)	$0	3,651
Applicable income taxes	$884,000	1,107
Income before extraordinary items	$4,081,000	849
Extraordinary gains, net	$0	23
Net income	$4,081,000	850
Minority interest net income	$0	110
Net income of bank and minority interests.	$4,081,000	850
Net charge-offs	$695,000	2,647
Cash dividends	$1,230,000	883
Sale, conversion, retirement of capital stock, net	$206,000	498
Net operating income	$4,081,000	806
2010-06-30 (YTD Data)		Rank
Total interest income	$14,201,000	1,114
Total interest expense	$3,148,000	1,431
Net interest income	$11,053,000	1,001
Provision for loan and lease losses	$920,000	2,027
Total noninterest income	$1,698,000	1,385
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$1,453,000	532
Trading account gains and fees	$0	152
Additional Noninterest Income	$245,000	3,158
Total noninterest expense	$8,610,000	1,151
Salaries and employee benefits	$4,815,000	1,007
Premises and equipment expense	$880,000	1,495
Additional noninterest expense	$2,915,000	1,221
Pre-tax net operating income	$3,221,000	853
Securities gains (losses)	$0	3,184
Applicable income taxes	$561,000	1,109
Income before extraordinary items	$2,660,000	833
Extraordinary gains, net	$0	19
Net income	$2,660,000	832
Minority interest net income	$0	105
Net income of bank and minority interests.	$2,660,000	834
Net charge-offs	$411,000	2,674
Cash dividends	$1,230,000	568
Sale, conversion, retirement of capital stock, net	$142,000	429
Net operating income	$2,660,000	806
2010-03-31 (YTD Data)		Rank
Total interest income	$7,005,000	1,151
Total interest expense	$1,606,000	1,468
Net interest income	$5,399,000	1,037
Provision for loan and lease losses	$550,000	1,725
Total noninterest income	$905,000	1,334
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$670,000	566
Trading account gains and fees	$0	175
Additional Noninterest Income	$235,000	2,161
Total noninterest expense	$4,229,000	1,195
Salaries and employee benefits	$2,401,000	1,026
Premises and equipment expense	$444,000	1,522
Additional noninterest expense	$1,384,000	1,281
Pre-tax net operating income	$1,525,000	877
Securities gains (losses)	$0	2,284
Applicable income taxes	$251,000	1,199
Income before extraordinary items	$1,274,000	859
Extraordinary gains, net	$0	16
Net income	$1,274,000	862
Minority interest net income	$0	91
Net income of bank and minority interests.	$1,274,000	863
Net charge-offs	$153,000	2,697
Cash dividends	$100,000	1,873
Sale, conversion, retirement of capital stock, net	$64,000	367
Net operating income	$1,274,000	832
2009-12-31 (YTD Data)		Rank
Total interest income	$28,784,000	1,194
Total interest expense	$7,191,000	1,645
Net interest income	$21,593,000	1,011
Provision for loan and lease losses	$3,595,000	1,769
Total noninterest income	$2,673,000	1,743
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$2,804,000	599
Trading account gains and fees	$0	211
Additional Noninterest Income	$-131,000	7,633
Total noninterest expense	$16,991,000	1,227
Salaries and employee benefits	$9,196,000	1,071
Premises and equipment expense	$1,807,000	1,492
Additional noninterest expense	$5,988,000	1,265
Pre-tax net operating income	$3,680,000	1,115
Securities gains (losses)	$0	3,754
Applicable income taxes	$136,000	2,669
Income before extraordinary items	$3,544,000	962
Extraordinary gains, net	$0	34
Net income	$3,544,000	960
Minority interest net income	$0	115
Net income of bank and minority interests.	$3,544,000	961
Net charge-offs	$2,162,000	1,942
Cash dividends	$2,359,000	772
Sale, conversion, retirement of capital stock, net	$257,000	660
Net operating income	$3,544,000	959
2009-09-30 (YTD Data)		Rank
Total interest income	$21,619,000	1,217
Total interest expense	$5,445,000	1,706
Net interest income	$16,174,000	1,015
Provision for loan and lease losses	$2,220,000	1,785
Total noninterest income	$1,981,000	1,789
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$2,105,000	599
Trading account gains and fees	$0	212
Additional Noninterest Income	$-124,000	7,830
Total noninterest expense	$12,989,000	1,186
Salaries and employee benefits	$7,195,000	1,033
Premises and equipment expense	$1,369,000	1,493
Additional noninterest expense	$4,425,000	1,258
Pre-tax net operating income	$2,946,000	1,114
Securities gains (losses)	$0	3,497
Applicable income taxes	$371,000	1,712
Income before extraordinary items	$2,575,000	1,061
Extraordinary gains, net	$0	27
Net income	$2,575,000	1,060
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,575,000	1,061
Net charge-offs	$1,872,000	1,563
Cash dividends	$1,524,000	837
Sale, conversion, retirement of capital stock, net	$192,000	589
Net operating income	$2,575,000	1,041
2009-06-30 (YTD Data)		Rank
Total interest income	$14,447,000	1,240
Total interest expense	$3,636,000	1,774
Net interest income	$10,811,000	1,004
Provision for loan and lease losses	$900,000	2,190
Total noninterest income	$1,519,000	1,633
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$1,385,000	602
Trading account gains and fees	$0	193
Additional Noninterest Income	$134,000	4,308
Total noninterest expense	$8,911,000	1,172
Salaries and employee benefits	$4,852,000	1,046
Premises and equipment expense	$934,000	1,494
Additional noninterest expense	$3,125,000	1,219
Pre-tax net operating income	$2,519,000	907
Securities gains (losses)	$0	3,136
Applicable income taxes	$311,000	1,494
Income before extraordinary items	$2,208,000	856
Extraordinary gains, net	$0	21
Net income	$2,208,000	856
Minority interest net income	$0	112
Net income of bank and minority interests.	$2,208,000	856
Net charge-offs	$721,000	1,953
Cash dividends	$1,524,000	580
Sale, conversion, retirement of capital stock, net	$128,000	547
Net operating income	$2,208,000	825
2009-03-31 (YTD Data)		Rank
Total interest income	$7,319,000	1,237
Total interest expense	$1,826,000	1,828
Net interest income	$5,493,000	982
Provision for loan and lease losses	$450,000	1,876
Total noninterest income	$902,000	1,405
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$662,000	613
Trading account gains and fees	$0	171
Additional Noninterest Income	$240,000	2,252
Total noninterest expense	$4,438,000	1,130
Salaries and employee benefits	$2,496,000	1,012
Premises and equipment expense	$485,000	1,465
Additional noninterest expense	$1,457,000	1,147
Pre-tax net operating income	$1,507,000	839
Securities gains (losses)	$0	2,434
Applicable income taxes	$231,000	1,295
Income before extraordinary items	$1,276,000	821
Extraordinary gains, net	$0	15
Net income	$1,276,000	822
Minority interest net income	$0	102
Net income of bank and minority interests.	$1,276,000	823
Net charge-offs	$263,000	1,899
Cash dividends	$100,000	2,226
Sale, conversion, retirement of capital stock, net	$64,000	438
Net operating income	$1,276,000	760
2008-12-31 (YTD Data)		Rank
Total interest income	$32,290,000	1,182
Total interest expense	$10,154,000	1,602
Net interest income	$22,136,000	969
Provision for loan and lease losses	$2,080,000	1,747
Total noninterest income	$2,801,000	1,666
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$2,838,000	613
Trading account gains and fees	$0	154
Additional Noninterest Income	$-37,000	8,078
Total noninterest expense	$16,317,000	1,198
Salaries and employee benefits	$9,728,000	1,027
Premises and equipment expense	$1,903,000	1,455
Additional noninterest expense	$4,686,000	1,344
Pre-tax net operating income	$6,540,000	851
Securities gains (losses)	$0	3,220
Applicable income taxes	$1,082,000	1,131
Income before extraordinary items	$5,458,000	738
Extraordinary gains, net	$0	39
Net income	$5,458,000	738
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,165,000	1,794
Cash dividends	$18,150,000	183
Sale, conversion, retirement of capital stock, net	$199,000	778
Net operating income	$5,458,000	795
2008-09-30 (YTD Data)		Rank
Total interest income	$24,561,000	1,192
Total interest expense	$8,037,000	1,572
Net interest income	$16,524,000	989
Provision for loan and lease losses	$760,000	2,154
Total noninterest income	$1,907,000	1,839
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$2,218,000	594
Trading account gains and fees	$0	148
Additional Noninterest Income	$-311,000	8,320
Total noninterest expense	$12,242,000	1,191
Salaries and employee benefits	$7,338,000	1,043
Premises and equipment expense	$1,442,000	1,448
Additional noninterest expense	$3,462,000	1,314
Pre-tax net operating income	$5,429,000	934
Securities gains (losses)	$0	3,106
Applicable income taxes	$995,000	1,157
Income before extraordinary items	$4,434,000	829
Extraordinary gains, net	$0	31
Net income	$4,434,000	828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$922,000	1,380
Cash dividends	$16,827,000	166
Sale, conversion, retirement of capital stock, net	$146,000	667
Net operating income	$4,434,000	880
2008-06-30 (YTD Data)		Rank
Total interest income	$16,503,000	1,198
Total interest expense	$5,689,000	1,540
Net interest income	$10,814,000	1,006
Provision for loan and lease losses	$0	6,671
Total noninterest income	$1,988,000	1,336
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$1,458,000	591
Trading account gains and fees	$0	149
Additional Noninterest Income	$530,000	2,149
Total noninterest expense	$8,018,000	1,207
Salaries and employee benefits	$4,835,000	1,069
Premises and equipment expense	$963,000	1,449
Additional noninterest expense	$2,220,000	1,333
Pre-tax net operating income	$4,784,000	732
Securities gains (losses)	$0	3,233
Applicable income taxes	$1,054,000	904
Income before extraordinary items	$3,730,000	731
Extraordinary gains, net	$0	21
Net income	$3,730,000	730
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$484,000	1,341
Cash dividends	$16,727,000	131
Sale, conversion, retirement of capital stock, net	$93,000	607
Net operating income	$3,730,000	714
2008-03-31 (YTD Data)		Rank
Total interest income	$8,544,000	1,190
Total interest expense	$3,028,000	1,551
Net interest income	$5,516,000	975
Provision for loan and lease losses	$0	6,080
Total noninterest income	$985,000	1,346
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$720,000	593
Trading account gains and fees	$0	158
Additional Noninterest Income	$265,000	2,132
Total noninterest expense	$3,973,000	1,219
Salaries and employee benefits	$2,422,000	1,071
Premises and equipment expense	$482,000	1,442
Additional noninterest expense	$1,069,000	1,349
Pre-tax net operating income	$2,528,000	746
Securities gains (losses)	$0	2,688
Applicable income taxes	$539,000	950
Income before extraordinary items	$1,989,000	762
Extraordinary gains, net	$0	15
Net income	$1,989,000	763
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$437,000	774
Cash dividends	$15,404,000	75
Sale, conversion, retirement of capital stock, net	$40,000	520
Net operating income	$1,989,000	728
2007-12-31 (YTD Data)		Rank
Total interest income	$36,946,000	1,150
Total interest expense	$13,164,000	1,525
Net interest income	$23,782,000	927
Provision for loan and lease losses	$-150,000	8,413
Total noninterest income	$3,583,000	1,422
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$2,642,000	664
Trading account gains and fees	$0	178
Additional Noninterest Income	$941,000	2,300
Total noninterest expense	$15,957,000	1,171
Salaries and employee benefits	$9,356,000	1,066
Premises and equipment expense	$1,987,000	1,330
Additional noninterest expense	$4,614,000	1,222
Pre-tax net operating income	$11,558,000	737
Securities gains (losses)	$0	2,146
Applicable income taxes	$2,710,000	882
Income before extraordinary items	$8,848,000	741
Extraordinary gains, net	$0	39
Net income	$8,848,000	739
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$491,000	1,713
Cash dividends	$3,729,000	986
Sale, conversion, retirement of capital stock, net	$135,000	854
Net operating income	$8,848,000	732
2007-09-30 (YTD Data)		Rank
Total interest income	$27,409,000	1,160
Total interest expense	$9,773,000	1,542
Net interest income	$17,636,000	945
Provision for loan and lease losses	$-150,000	8,453
Total noninterest income	$2,567,000	1,489
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$1,858,000	698
Trading account gains and fees	$0	184
Additional Noninterest Income	$709,000	2,301
Total noninterest expense	$11,849,000	1,178
Salaries and employee benefits	$6,998,000	1,071
Premises and equipment expense	$1,541,000	1,289
Additional noninterest expense	$3,310,000	1,240
Pre-tax net operating income	$8,504,000	811
Securities gains (losses)	$0	1,655
Applicable income taxes	$2,000,000	960
Income before extraordinary items	$6,504,000	804
Extraordinary gains, net	$0	33
Net income	$6,504,000	802
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$221,000	1,842
Cash dividends	$2,217,000	1,131
Sale, conversion, retirement of capital stock, net	$101,000	751
Net operating income	$6,504,000	793
2007-06-30 (YTD Data)		Rank
Total interest income	$18,185,000	1,181
Total interest expense	$6,267,000	1,608
Net interest income	$11,918,000	944
Provision for loan and lease losses	$-150,000	8,501
Total noninterest income	$1,560,000	1,626
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$1,123,000	792
Trading account gains and fees	$0	168
Additional Noninterest Income	$437,000	2,450
Total noninterest expense	$7,843,000	1,208
Salaries and employee benefits	$4,604,000	1,107
Premises and equipment expense	$1,046,000	1,280
Additional noninterest expense	$2,193,000	1,255
Pre-tax net operating income	$5,785,000	831
Securities gains (losses)	$0	1,444
Applicable income taxes	$1,380,000	985
Income before extraordinary items	$4,405,000	831
Extraordinary gains, net	$0	29
Net income	$4,405,000	830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	1,546
Cash dividends	$2,217,000	806
Sale, conversion, retirement of capital stock, net	$68,000	673
Net operating income	$4,405,000	818
2007-03-31 (YTD Data)		Rank
Total interest income	$9,206,000	1,160
Total interest expense	$2,980,000	1,674
Net interest income	$6,226,000	896
Provision for loan and lease losses	$-150,000	8,566
Total noninterest income	$731,000	1,675
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$521,000	820
Trading account gains and fees	$0	195
Additional Noninterest Income	$210,000	2,471
Total noninterest expense	$3,863,000	1,222
Salaries and employee benefits	$2,316,000	1,111
Premises and equipment expense	$528,000	1,277
Additional noninterest expense	$1,019,000	1,321
Pre-tax net operating income	$3,244,000	753
Securities gains (losses)	$0	1,187
Applicable income taxes	$790,000	878
Income before extraordinary items	$2,454,000	737
Extraordinary gains, net	$0	22
Net income	$2,454,000	736
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	3,299
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$36,000	558
Net operating income	$2,454,000	729
2006-12-31 (YTD Data)		Rank
Total interest income	$33,454,000	1,179
Total interest expense	$10,022,000	1,678
Net interest income	$23,432,000	946
Provision for loan and lease losses	$0	6,850
Total noninterest income	$2,997,000	1,639
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$2,061,000	858
Trading account gains and fees	$0	130
Additional Noninterest Income	$936,000	2,333
Total noninterest expense	$14,412,000	1,245
Salaries and employee benefits	$8,546,000	1,139
Premises and equipment expense	$2,026,000	1,275
Additional noninterest expense	$3,840,000	1,380
Pre-tax net operating income	$12,017,000	826
Securities gains (losses)	$15,000	981
Applicable income taxes	$3,205,000	887
Income before extraordinary items	$8,827,000	844
Extraordinary gains, net	$0	51
Net income	$8,827,000	843
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,128
Cash dividends	$2,802,000	1,193
Sale, conversion, retirement of capital stock, net	$-5,203,000	8,676
Net operating income	$8,816,050	839
2006-09-30 (YTD Data)		Rank
Total interest income	$24,735,000	1,201
Total interest expense	$7,211,000	1,697
Net interest income	$17,524,000	967
Provision for loan and lease losses	$0	6,685
Total noninterest income	$2,105,000	1,735
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$1,541,000	861
Trading account gains and fees	$0	126
Additional Noninterest Income	$564,000	2,682
Total noninterest expense	$10,763,000	1,266
Salaries and employee benefits	$6,360,000	1,164
Premises and equipment expense	$1,500,000	1,297
Additional noninterest expense	$2,903,000	1,371
Pre-tax net operating income	$8,866,000	878
Securities gains (losses)	$15,000	814
Applicable income taxes	$2,395,000	940
Income before extraordinary items	$6,486,000	901
Extraordinary gains, net	$0	45
Net income	$6,486,000	900
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$466,000	856
Cash dividends	$1,323,000	1,607
Sale, conversion, retirement of capital stock, net	$-5,235,000	8,741
Net operating income	$6,475,050	889
2006-06-30 (YTD Data)		Rank
Total interest income	$16,188,000	1,204
Total interest expense	$4,636,000	1,680
Net interest income	$11,552,000	977
Provision for loan and lease losses	$0	6,419
Total noninterest income	$1,384,000	1,746
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$1,011,000	860
Trading account gains and fees	$0	126
Additional Noninterest Income	$373,000	2,666
Total noninterest expense	$7,012,000	1,304
Salaries and employee benefits	$4,141,000	1,201
Premises and equipment expense	$988,000	1,314
Additional noninterest expense	$1,883,000	1,416
Pre-tax net operating income	$5,924,000	875
Securities gains (losses)	$0	1,185
Applicable income taxes	$1,625,000	924
Income before extraordinary items	$4,299,000	905
Extraordinary gains, net	$0	39
Net income	$4,299,000	906
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$357,000	732
Cash dividends	$948,000	1,521
Sale, conversion, retirement of capital stock, net	$-5,235,000	8,776
Net operating income	$4,299,000	885
2006-03-31 (YTD Data)		Rank
Total interest income	$8,112,000	1,176
Total interest expense	$2,236,000	1,651
Net interest income	$5,876,000	966
Provision for loan and lease losses	$0	6,013
Total noninterest income	$649,000	1,804
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$484,000	869
Trading account gains and fees	$0	115
Additional Noninterest Income	$165,000	2,797
Total noninterest expense	$3,484,000	1,309
Salaries and employee benefits	$2,049,000	1,211
Premises and equipment expense	$485,000	1,341
Additional noninterest expense	$950,000	1,390
Pre-tax net operating income	$3,041,000	837
Securities gains (losses)	$0	955
Applicable income taxes	$870,000	877
Income before extraordinary items	$2,171,000	875
Extraordinary gains, net	$0	21
Net income	$2,171,000	874
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-176,000	8,712
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$-247,000	8,765
Net operating income	$2,171,000	859
2005-12-31 (YTD Data)		Rank
Total interest income	$29,116,000	1,131
Total interest expense	$6,425,000	1,767
Net interest income	$22,691,000	937
Provision for loan and lease losses	$-50,000	8,577
Total noninterest income	$3,082,000	1,574
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$2,044,000	850
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,038,000	2,158
Total noninterest expense	$14,182,000	1,224
Salaries and employee benefits	$7,899,000	1,169
Premises and equipment expense	$1,870,000	1,314
Additional noninterest expense	$4,413,000	1,154
Pre-tax net operating income	$11,641,000	845
Securities gains (losses)	$0	2,296
Applicable income taxes	$3,110,000	933
Income before extraordinary items	$8,531,000	847
Extraordinary gains, net	$0	46
Net income	$8,531,000	849
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$602,000	994
Cash dividends	$1,556,000	1,782
Sale, conversion, retirement of capital stock, net	$12,000	874
Net operating income	$8,531,000	837
2005-09-30 (YTD Data)		Rank
Total interest income	$21,150,000	1,142
Total interest expense	$4,336,000	1,843
Net interest income	$16,814,000	941
Provision for loan and lease losses	$-50,000	8,661
Total noninterest income	$2,368,000	1,536
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$1,551,000	837
Trading account gains and fees	$0	126
Additional Noninterest Income	$817,000	2,095
Total noninterest expense	$10,452,000	1,228
Salaries and employee benefits	$5,929,000	1,159
Premises and equipment expense	$1,397,000	1,306
Additional noninterest expense	$3,126,000	1,221
Pre-tax net operating income	$8,780,000	843
Securities gains (losses)	$0	2,317
Applicable income taxes	$2,280,000	956
Income before extraordinary items	$6,500,000	824
Extraordinary gains, net	$0	35
Net income	$6,500,000	826
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$237,000	1,496
Cash dividends	$778,000	2,154
Sale, conversion, retirement of capital stock, net	$12,000	710
Net operating income	$6,500,000	809
2005-06-30 (YTD Data)		Rank
Total interest income	$13,955,000	1,117
Total interest expense	$2,678,000	1,868
Net interest income	$11,277,000	924
Provision for loan and lease losses	$350,000	1,336
Total noninterest income	$1,390,000	1,699
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$1,015,000	835
Trading account gains and fees	$0	116
Additional Noninterest Income	$375,000	2,649
Total noninterest expense	$6,924,000	1,227
Salaries and employee benefits	$3,811,000	1,202
Premises and equipment expense	$917,000	1,313
Additional noninterest expense	$2,196,000	1,130
Pre-tax net operating income	$5,393,000	885
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,360,000	1,033
Income before extraordinary items	$4,033,000	866
Extraordinary gains, net	$0	30
Net income	$4,033,000	866
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$208,000	1,173
Cash dividends	$778,000	1,618
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$4,033,000	843
2005-03-31 (YTD Data)		Rank
Total interest income	$6,861,000	1,109
Total interest expense	$1,251,000	1,895
Net interest income	$5,610,000	923
Provision for loan and lease losses	$302,000	754
Total noninterest income	$669,000	1,714
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$481,000	850
Trading account gains and fees	$0	115
Additional Noninterest Income	$188,000	2,577
Total noninterest expense	$3,330,000	1,276
Salaries and employee benefits	$1,835,000	1,254
Premises and equipment expense	$445,000	1,356
Additional noninterest expense	$1,050,000	1,172
Pre-tax net operating income	$2,647,000	892
Securities gains (losses)	$0	1,685
Applicable income taxes	$730,000	972
Income before extraordinary items	$1,917,000	910
Extraordinary gains, net	$0	24
Net income	$1,917,000	910
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,435
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$1,917,000	887
2004-12-31 (YTD Data)		Rank
Total interest income	$24,789,000	1,141
Total interest expense	$4,504,000	1,807
Net interest income	$20,285,000	976
Provision for loan and lease losses	$1,782,000	606
Total noninterest income	$3,064,000	1,572
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$2,058,000	840
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,006,000	2,140
Total noninterest expense	$13,321,000	1,233
Salaries and employee benefits	$7,193,000	1,211
Premises and equipment expense	$1,805,000	1,271
Additional noninterest expense	$4,323,000	1,142
Pre-tax net operating income	$8,246,000	1,067
Securities gains (losses)	$0	3,819
Applicable income taxes	$2,345,000	1,104
Income before extraordinary items	$5,901,000	1,099
Extraordinary gains, net	$0	34
Net income	$5,901,000	1,100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,763,000	507
Cash dividends	$1,414,000	1,811
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$5,901,000	1,078
2004-09-30 (YTD Data)		Rank
Total interest income	$18,140,000	1,152
Total interest expense	$3,384,000	1,774
Net interest income	$14,756,000	998
Provision for loan and lease losses	$1,112,000	709
Total noninterest income	$2,344,000	1,551
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$1,552,000	839
Trading account gains and fees	$0	134
Additional Noninterest Income	$792,000	2,086
Total noninterest expense	$9,808,000	1,249
Salaries and employee benefits	$5,488,000	1,188
Premises and equipment expense	$1,269,000	1,366
Additional noninterest expense	$3,051,000	1,198
Pre-tax net operating income	$6,180,000	1,068
Securities gains (losses)	$0	3,710
Applicable income taxes	$1,825,000	1,094
Income before extraordinary items	$4,355,000	1,135
Extraordinary gains, net	$0	26
Net income	$4,355,000	1,136
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$738,000	704
Cash dividends	$707,000	2,183
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$4,355,000	1,094
2004-06-30 (YTD Data)		Rank
Total interest income	$11,889,000	1,159
Total interest expense	$2,300,000	1,728
Net interest income	$9,589,000	1,018
Provision for loan and lease losses	$949,000	543
Total noninterest income	$1,628,000	1,503
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$1,037,000	838
Trading account gains and fees	$0	130
Additional Noninterest Income	$591,000	1,944
Total noninterest expense	$6,509,000	1,247
Salaries and employee benefits	$3,654,000	1,190
Premises and equipment expense	$858,000	1,340
Additional noninterest expense	$1,997,000	1,207
Pre-tax net operating income	$3,759,000	1,148
Securities gains (losses)	$0	3,413
Applicable income taxes	$1,130,000	1,158
Income before extraordinary items	$2,629,000	1,237
Extraordinary gains, net	$0	21
Net income	$2,629,000	1,238
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$608,000	606
Cash dividends	$707,000	1,689
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$2,629,000	1,197
2004-03-31 (YTD Data)		Rank
Total interest income	$6,039,000	1,157
Total interest expense	$1,182,000	1,706
Net interest income	$4,857,000	1,011
Provision for loan and lease losses	$640,000	426
Total noninterest income	$744,000	1,582
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$500,000	847
Trading account gains and fees	$0	121
Additional Noninterest Income	$244,000	2,166
Total noninterest expense	$3,068,000	1,342
Salaries and employee benefits	$1,764,000	1,255
Premises and equipment expense	$372,000	1,573
Additional noninterest expense	$932,000	1,286
Pre-tax net operating income	$1,893,000	1,121
Securities gains (losses)	$0	2,934
Applicable income taxes	$610,000	1,108
Income before extraordinary items	$1,283,000	1,261
Extraordinary gains, net	$0	16
Net income	$1,283,000	1,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	1,081
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$1,283,000	1,195
2003-12-31 (YTD Data)		Rank
Total interest income	$23,993,000	1,187
Total interest expense	$5,532,000	1,631
Net interest income	$18,461,000	1,041
Provision for loan and lease losses	$2,096,000	624
Total noninterest income	$2,984,000	1,697
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$2,009,000	849
Trading account gains and fees	$0	160
Additional Noninterest Income	$975,000	2,426
Total noninterest expense	$12,025,000	1,339
Salaries and employee benefits	$6,883,000	1,242
Premises and equipment expense	$1,655,000	1,379
Additional noninterest expense	$3,487,000	1,402
Pre-tax net operating income	$7,324,000	1,142
Securities gains (losses)	$0	4,500
Applicable income taxes	$1,890,000	1,342
Income before extraordinary items	$5,434,000	1,181
Extraordinary gains, net	$0	54
Net income	$5,434,000	1,182
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$432,000	1,795
Cash dividends	$1,343,000	1,895
Sale, conversion, retirement of capital stock, net	$-2,354,000	9,172
Net operating income	$5,434,000	1,118
2003-09-30 (YTD Data)		Rank
Total interest income	$18,206,000	1,209
Total interest expense	$4,213,000	1,681
Net interest income	$13,993,000	1,047
Provision for loan and lease losses	$1,827,000	557
Total noninterest income	$2,203,000	1,759
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,518,000	853
Trading account gains and fees	$0	153
Additional Noninterest Income	$685,000	2,600
Total noninterest expense	$8,965,000	1,359
Salaries and employee benefits	$5,274,000	1,232
Premises and equipment expense	$1,172,000	1,469
Additional noninterest expense	$2,519,000	1,465
Pre-tax net operating income	$5,404,000	1,199
Securities gains (losses)	$0	4,204
Applicable income taxes	$1,650,000	1,246
Income before extraordinary items	$3,754,000	1,316
Extraordinary gains, net	$0	40
Net income	$3,754,000	1,316
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$247,000	1,942
Cash dividends	$672,000	2,230
Sale, conversion, retirement of capital stock, net	$-2,354,000	9,226
Net operating income	$3,754,000	1,242
2003-06-30 (YTD Data)		Rank
Total interest income	$11,312,000	1,294
Total interest expense	$2,841,000	1,714
Net interest income	$8,471,000	1,158
Provision for loan and lease losses	$1,499,000	488
Total noninterest income	$1,416,000	1,804
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$1,011,000	836
Trading account gains and fees	$0	150
Additional Noninterest Income	$405,000	2,782
Total noninterest expense	$5,950,000	1,358
Salaries and employee benefits	$3,475,000	1,231
Premises and equipment expense	$779,000	1,469
Additional noninterest expense	$1,696,000	1,452
Pre-tax net operating income	$2,438,000	1,714
Securities gains (losses)	$0	3,782
Applicable income taxes	$900,000	1,480
Income before extraordinary items	$1,538,000	2,064
Extraordinary gains, net	$0	30
Net income	$1,538,000	2,062
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,000	2,274
Cash dividends	$672,000	1,761
Sale, conversion, retirement of capital stock, net	$-2,354,000	9,260
Net operating income	$1,538,000	1,940
2003-03-31 (YTD Data)		Rank
Total interest income	$5,844,000	1,270
Total interest expense	$1,465,000	1,706
Net interest income	$4,379,000	1,117
Provision for loan and lease losses	$260,000	1,076
Total noninterest income	$628,000	1,931
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$446,000	937
Trading account gains and fees	$0	134
Additional Noninterest Income	$182,000	2,877
Total noninterest expense	$2,855,000	1,408
Salaries and employee benefits	$1,736,000	1,233
Premises and equipment expense	$320,000	1,788
Additional noninterest expense	$799,000	1,484
Pre-tax net operating income	$1,892,000	1,143
Securities gains (losses)	$0	2,891
Applicable income taxes	$600,000	1,188
Income before extraordinary items	$1,292,000	1,282
Extraordinary gains, net	$0	21
Net income	$1,292,000	1,281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	2,028
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$-2,218,000	9,308
Net operating income	$1,292,000	1,195
2002-12-31 (YTD Data)		Rank
Total interest income	$24,560,000	1,253
Total interest expense	$7,709,000	1,464
Net interest income	$16,851,000	1,154
Provision for loan and lease losses	$1,082,000	1,254
Total noninterest income	$2,501,000	1,802
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,800,000	899
Trading account gains and fees	$0	153
Additional Noninterest Income	$701,000	2,706
Total noninterest expense	$11,274,000	1,364
Salaries and employee benefits	$6,497,000	1,243
Premises and equipment expense	$1,417,000	1,568
Additional noninterest expense	$3,360,000	1,412
Pre-tax net operating income	$6,996,000	1,210
Securities gains (losses)	$0	4,537
Applicable income taxes	$2,121,000	1,224
Income before extraordinary items	$4,875,000	1,293
Extraordinary gains, net	$0	70
Net income	$4,875,000	1,291
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$516,000	1,618
Cash dividends	$1,382,000	1,754
Sale, conversion, retirement of capital stock, net	$-828,000	9,316
Net operating income	$4,875,000	1,242
2001-12-31 (YTD Data)		Rank
Total interest income	$26,738,000	1,281
Total interest expense	$11,205,000	1,444
Net interest income	$15,533,000	1,144
Provision for loan and lease losses	$944,000	1,307
Total noninterest income	$2,402,000	1,735
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$1,733,000	851
Trading account gains and fees	$0	177
Additional Noninterest Income	$669,000	2,643
Total noninterest expense	$10,974,000	1,326
Salaries and employee benefits	$6,482,000	1,143
Premises and equipment expense	$1,424,000	1,513
Additional noninterest expense	$3,068,000	1,518
Pre-tax net operating income	$6,017,000	1,245
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,390,000	1,609
Income before extraordinary items	$4,627,000	1,170
Extraordinary gains, net	$0	105
Net income	$4,627,000	1,170
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$803,000	1,099
Cash dividends	$1,326,000	1,830
Sale, conversion, retirement of capital stock, net	$-792,000	9,569
Net operating income	$4,627,000	1,129
2000-12-31 (YTD Data)		Rank
Total interest income	$29,493,000	1,193
Total interest expense	$11,042,000	1,555
Net interest income	$18,451,000	941
Provision for loan and lease losses	$2,114,000	586
Total noninterest income	$2,308,000	1,686
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$1,677,000	808
Trading account gains and fees	$0	180
Additional Noninterest Income	$631,000	2,555
Total noninterest expense	$10,640,000	1,304
Salaries and employee benefits	$6,088,000	1,161
Premises and equipment expense	$1,442,000	1,442
Additional noninterest expense	$3,110,000	1,443
Pre-tax net operating income	$8,005,000	970
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,808,000	1,279
Income before extraordinary items	$6,197,000	853
Extraordinary gains, net	$0	38
Net income	$6,197,000	853
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,071,000	466
Cash dividends	$1,300,000	1,851
Sale, conversion, retirement of capital stock, net	$-6,874,000	9,891
Net operating income	$6,197,000	851
1999-12-31 (YTD Data)		Rank
Total interest income	$26,785,000	1,221
Total interest expense	$10,504,000	1,429
Net interest income	$16,281,000	1,073
Provision for loan and lease losses	$1,769,000	625
Total noninterest income	$2,170,000	1,748
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,537,000	860
Trading account gains and fees	$0	173
Additional Noninterest Income	$633,000	2,543
Total noninterest expense	$9,906,000	1,400
Salaries and employee benefits	$5,759,000	1,203
Premises and equipment expense	$1,330,000	1,545
Additional noninterest expense	$2,817,000	1,582
Pre-tax net operating income	$6,776,000	1,138
Securities gains (losses)	$0	3,155
Applicable income taxes	$1,915,000	1,275
Income before extraordinary items	$4,861,000	1,126
Extraordinary gains, net	$0	35
Net income	$4,861,000	1,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,471,000	543
Cash dividends	$1,285,000	1,885
Sale, conversion, retirement of capital stock, net	$-457,000	10,146
Net operating income	$4,861,000	1,108
1998-12-31 (YTD Data)		Rank
Total interest income	$26,544,000	1,216
Total interest expense	$11,198,000	1,378
Net interest income	$15,346,000	1,104
Provision for loan and lease losses	$768,000	1,216
Total noninterest income	$2,076,000	1,780
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$1,550,000	797
Trading account gains and fees	$0	224
Additional Noninterest Income	$526,000	2,889
Total noninterest expense	$9,408,000	1,401
Salaries and employee benefits	$5,392,000	1,217
Premises and equipment expense	$1,242,000	1,574
Additional noninterest expense	$2,774,000	1,555
Pre-tax net operating income	$7,246,000	1,046
Securities gains (losses)	$0	4,449
Applicable income taxes	$1,900,000	1,328
Income before extraordinary items	$5,346,000	1,008
Extraordinary gains, net	$0	32
Net income	$5,346,000	1,008
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$567,000	1,148
Cash dividends	$1,248,000	1,898
Sale, conversion, retirement of capital stock, net	$-43,000	10,323
Net operating income	$5,346,000	971
1997-12-31 (YTD Data)		Rank
Total interest income	$25,180,000	1,320
Total interest expense	$10,329,000	1,504
Net interest income	$14,851,000	1,182
Provision for loan and lease losses	$1,605,000	697
Total noninterest income	$2,012,000	1,757
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$1,579,000	804
Trading account gains and fees	$0	239
Additional Noninterest Income	$433,000	3,120
Total noninterest expense	$8,786,000	1,499
Salaries and employee benefits	$5,040,000	1,311
Premises and equipment expense	$1,246,000	1,560
Additional noninterest expense	$2,500,000	1,696
Pre-tax net operating income	$6,472,000	1,215
Securities gains (losses)	$0	3,944
Applicable income taxes	$1,562,000	1,655
Income before extraordinary items	$4,910,000	1,138
Extraordinary gains, net	$0	44
Net income	$4,910,000	1,139
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$952,000	829
Cash dividends	$1,168,000	1,936
Sale, conversion, retirement of capital stock, net	$-221,000	10,806
Net operating income	$4,910,000	1,107
1996-12-31 (YTD Data)		Rank
Total interest income	$25,063,000	1,362
Total interest expense	$11,077,000	1,454
Net interest income	$13,986,000	1,274
Provision for loan and lease losses	$478,000	1,807
Total noninterest income	$2,022,000	1,817
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$1,623,000	820
Trading account gains and fees	$0	262
Additional Noninterest Income	$399,000	3,410
Total noninterest expense	$8,322,000	1,705
Salaries and employee benefits	$4,802,000	1,396
Premises and equipment expense	$1,118,000	1,794
Additional noninterest expense	$2,402,000	2,080
Pre-tax net operating income	$7,208,000	1,043
Securities gains (losses)	$0	4,148
Applicable income taxes	$1,750,000	1,386
Income before extraordinary items	$5,458,000	967
Extraordinary gains, net	$0	53
Net income	$5,458,000	968
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$395,000	1,702
Cash dividends	$1,049,000	2,066
Sale, conversion, retirement of capital stock, net	$-141,000	11,367
Net operating income	$5,458,000	950
1995-12-31 (YTD Data)		Rank
Total interest income	$24,527,000	1,398
Total interest expense	$10,300,000	1,554
Net interest income	$14,227,000	1,266
Provision for loan and lease losses	$456,000	1,695
Total noninterest income	$2,095,000	1,771
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$1,682,000	783
Trading account gains and fees	$0	522
Additional Noninterest Income	$413,000	3,248
Total noninterest expense	$8,269,000	1,697
Salaries and employee benefits	$4,673,000	1,417
Premises and equipment expense	$1,031,000	1,971
Additional noninterest expense	$2,565,000	1,958
Pre-tax net operating income	$7,597,000	1,030
Securities gains (losses)	$0	3,831
Applicable income taxes	$2,140,000	1,209
Income before extraordinary items	$5,457,000	974
Extraordinary gains, net	$0	65
Net income	$5,457,000	974
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$344,000	1,772
Cash dividends	$891,000	2,255
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$5,457,000	966
1994-12-31 (YTD Data)		Rank
Total interest income	$21,650,000	1,428
Total interest expense	$8,173,000	1,565
Net interest income	$13,477,000	1,339
Provision for loan and lease losses	$871,000	1,023
Total noninterest income	$1,882,000	1,913
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,483,000	879
Trading account gains and fees	$0	475
Additional Noninterest Income	$399,000	3,413
Total noninterest expense	$8,456,000	1,726
Salaries and employee benefits	$4,571,000	1,476
Premises and equipment expense	$967,000	2,092
Additional noninterest expense	$2,918,000	1,858
Pre-tax net operating income	$6,032,000	1,239
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$1,480,000	1,573
Income before extraordinary items	$4,551,000	1,115
Extraordinary gains, net	$0	249
Net income	$4,551,000	1,113
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$522,000	1,344
Cash dividends	$851,000	2,172
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$4,551,750	1,123
1993-12-31 (YTD Data)		Rank
Total interest income	$20,109,000	1,559
Total interest expense	$8,364,000	1,585
Net interest income	$11,745,000	1,534
Provision for loan and lease losses	$561,000	1,941
Total noninterest income	$1,772,000	2,148
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$1,402,000	945
Trading account gains and fees	$0	532
Additional Noninterest Income	$370,000	3,953
Total noninterest expense	$7,654,000	1,934
Salaries and employee benefits	$4,151,000	1,619
Premises and equipment expense	$878,000	2,324
Additional noninterest expense	$2,625,000	2,125
Pre-tax net operating income	$5,302,000	1,318
Securities gains (losses)	$0	7,477
Applicable income taxes	$1,326,000	1,759
Income before extraordinary items	$3,976,000	1,281
Extraordinary gains, net	$0	3,149
Net income	$3,976,000	1,322
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$294,000	2,507
Cash dividends	$810,000	2,123
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$3,976,000	1,191
1992-12-31 (YTD Data)		Rank
Total interest income	$18,813,000	1,879
Total interest expense	$8,679,000	1,954
Net interest income	$10,134,000	1,806
Provision for loan and lease losses	$551,000	2,791
Total noninterest income	$1,743,000	2,134
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$1,348,000	966
Trading account gains and fees	$0	504
Additional Noninterest Income	$395,000	3,737
Total noninterest expense	$6,835,000	2,148
Salaries and employee benefits	$3,649,000	1,825
Premises and equipment expense	$779,000	2,663
Additional noninterest expense	$2,408,000	2,394
Pre-tax net operating income	$4,491,000	1,421
Securities gains (losses)	$0	8,369
Applicable income taxes	$1,179,000	1,786
Income before extraordinary items	$3,312,000	1,401
Extraordinary gains, net	$0	1,422
Net income	$3,312,000	1,409
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$449,000	2,644
Cash dividends	$810,000	1,882
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$3,312,000	1,293

* 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.