Home > Spirit of Texas Bank, SSB > Income and Expense

Spirit of Texas Bank, SSB, Income and Expense

2022-03-31 (YTD Data)		Rank
Total interest income	$30,283,000	315
Total interest expense	$1,598,000	353
Net interest income	$28,685,000	309
Provision for loan and lease losses	$1,503,000	154
Total noninterest income	$7,980,000	354
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$603,000	486
Trading account gains and fees	$0	103
Additional Noninterest Income	$7,377,000	294
Total noninterest expense	$19,826,000	360
Salaries and employee benefits	$12,622,000	323
Premises and equipment expense	$2,177,000	329
Additional noninterest expense	$5,027,000	422
Pre-tax net operating income	$15,336,000	308
Securities gains (losses)	$-1,484,000	4,737
Applicable income taxes	$2,309,000	372
Income before extraordinary items	$11,543,000	313
Extraordinary gains, net	$0	4
Net income	$11,543,000	313
Minority interest net income	$0	50
Net income of bank and minority interests.	$11,543,000	313
Net charge-offs	$898,000	162
Cash dividends	$41,604,000	70
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$12,774,720	297
2021-12-31 (YTD Data)		Rank
Total interest income	$125,514,000	302
Total interest expense	$9,032,000	304
Net interest income	$116,482,000	301
Provision for loan and lease losses	$3,711,000	152
Total noninterest income	$15,159,000	639
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$2,667,000	431
Trading account gains and fees	$0	132
Additional Noninterest Income	$12,492,000	575
Total noninterest expense	$68,739,000	399
Salaries and employee benefits	$40,735,000	377
Premises and equipment expense	$9,869,000	299
Additional noninterest expense	$18,135,000	457
Pre-tax net operating income	$59,191,000	345
Securities gains (losses)	$-664,000	4,795
Applicable income taxes	$11,840,000	351
Income before extraordinary items	$46,687,000	357
Extraordinary gains, net	$0	10
Net income	$46,687,000	357
Minority interest net income	$0	74
Net income of bank and minority interests.	$46,687,000	357
Net charge-offs	$3,342,000	208
Cash dividends	$7,209,000	607
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$47,218,200	348
2021-09-30 (YTD Data)		Rank
Total interest income	$94,681,000	302
Total interest expense	$7,256,000	303
Net interest income	$87,425,000	301
Provision for loan and lease losses	$2,741,000	140
Total noninterest income	$9,805,000	718
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$1,928,000	449
Trading account gains and fees	$0	132
Additional Noninterest Income	$7,877,000	667
Total noninterest expense	$49,484,000	411
Salaries and employee benefits	$29,151,000	396
Premises and equipment expense	$7,376,000	299
Additional noninterest expense	$12,957,000	483
Pre-tax net operating income	$45,005,000	343
Securities gains (losses)	$-165,000	4,830
Applicable income taxes	$9,080,000	354
Income before extraordinary items	$35,760,000	351
Extraordinary gains, net	$0	8
Net income	$35,760,000	350
Minority interest net income	$0	69
Net income of bank and minority interests.	$35,760,000	351
Net charge-offs	$2,500,000	208
Cash dividends	$5,136,000	578
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$35,892,000	341
2021-06-30 (YTD Data)		Rank
Total interest income	$63,923,000	296
Total interest expense	$5,195,000	295
Net interest income	$58,728,000	299
Provision for loan and lease losses	$2,435,000	116
Total noninterest income	$7,050,000	690
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$1,231,000	457
Trading account gains and fees	$0	133
Additional Noninterest Income	$5,819,000	633
Total noninterest expense	$32,711,000	411
Salaries and employee benefits	$18,423,000	415
Premises and equipment expense	$5,399,000	283
Additional noninterest expense	$8,889,000	456
Pre-tax net operating income	$30,632,000	333
Securities gains (losses)	$-118,000	4,868
Applicable income taxes	$6,180,000	351
Income before extraordinary items	$24,334,000	337
Extraordinary gains, net	$0	6
Net income	$24,334,000	336
Minority interest net income	$0	67
Net income of bank and minority interests.	$24,334,000	337
Net charge-offs	$1,934,000	195
Cash dividends	$3,068,000	603
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$24,428,400	329
2021-03-31 (YTD Data)		Rank
Total interest income	$31,170,000	301
Total interest expense	$2,736,000	301
Net interest income	$28,434,000	301
Provision for loan and lease losses	$1,086,000	171
Total noninterest income	$3,230,000	713
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$621,000	442
Trading account gains and fees	$0	127
Additional Noninterest Income	$2,609,000	676
Total noninterest expense	$16,410,000	405
Salaries and employee benefits	$9,054,000	422
Premises and equipment expense	$2,857,000	269
Additional noninterest expense	$4,499,000	434
Pre-tax net operating income	$14,168,000	355
Securities gains (losses)	$-254,000	4,931
Applicable income taxes	$2,890,000	364
Income before extraordinary items	$11,024,000	372
Extraordinary gains, net	$0	3
Net income	$11,024,000	370
Minority interest net income	$0	55
Net income of bank and minority interests.	$11,024,000	372
Net charge-offs	$799,000	202
Cash dividends	$1,523,000	555
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$11,224,660	360
2020-12-31 (YTD Data)		Rank
Total interest income	$123,545,000	309
Total interest expense	$16,361,000	321
Net interest income	$107,184,000	301
Provision for loan and lease losses	$11,254,000	318
Total noninterest income	$17,749,000	543
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$2,419,000	460
Trading account gains and fees	$0	133
Additional Noninterest Income	$15,330,000	485
Total noninterest expense	$71,870,000	368
Salaries and employee benefits	$40,982,000	362
Premises and equipment expense	$10,633,000	280
Additional noninterest expense	$20,255,000	406
Pre-tax net operating income	$41,809,000	336
Securities gains (losses)	$1,031,000	358
Applicable income taxes	$8,107,000	350
Income before extraordinary items	$34,733,000	337
Extraordinary gains, net	$0	4
Net income	$34,733,000	335
Minority interest net income	$0	72
Net income of bank and minority interests.	$34,733,000	337
Net charge-offs	$1,964,000	419
Cash dividends	$2,767,000	1,203
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$33,897,890	335
2020-09-30 (YTD Data)		Rank
Total interest income	$89,841,000	312
Total interest expense	$13,168,000	324
Net interest income	$76,673,000	312
Provision for loan and lease losses	$6,840,000	406
Total noninterest income	$10,325,000	622
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,701,000	472
Trading account gains and fees	$0	125
Additional Noninterest Income	$8,624,000	561
Total noninterest expense	$54,302,000	360
Salaries and employee benefits	$30,479,000	359
Premises and equipment expense	$7,883,000	280
Additional noninterest expense	$15,940,000	382
Pre-tax net operating income	$25,856,000	365
Securities gains (losses)	$0	2,494
Applicable income taxes	$4,643,000	394
Income before extraordinary items	$21,213,000	372
Extraordinary gains, net	$0	4
Net income	$21,213,000	370
Minority interest net income	$0	65
Net income of bank and minority interests.	$21,213,000	372
Net charge-offs	$1,370,000	416
Cash dividends	$1,212,000	1,513
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$21,213,000	364
2020-06-30 (YTD Data)		Rank
Total interest income	$59,366,000	316
Total interest expense	$9,345,000	339
Net interest income	$50,021,000	317
Provision for loan and lease losses	$4,009,000	462
Total noninterest income	$5,276,000	698
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$1,039,000	501
Trading account gains and fees	$0	123
Additional Noninterest Income	$4,237,000	644
Total noninterest expense	$35,350,000	366
Salaries and employee benefits	$19,271,000	372
Premises and equipment expense	$5,661,000	267
Additional noninterest expense	$10,418,000	383
Pre-tax net operating income	$15,938,000	346
Securities gains (losses)	$0	2,249
Applicable income taxes	$2,652,000	396
Income before extraordinary items	$13,286,000	346
Extraordinary gains, net	$0	4
Net income	$13,286,000	346
Minority interest net income	$0	65
Net income of bank and minority interests.	$13,286,000	346
Net charge-offs	$840,000	436
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$13,286,000	335
2020-03-31 (YTD Data)		Rank
Total interest income	$28,813,000	328
Total interest expense	$4,991,000	354
Net interest income	$23,822,000	333
Provision for loan and lease losses	$1,171,000	555
Total noninterest income	$2,712,000	656
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$531,000	577
Trading account gains and fees	$0	106
Additional Noninterest Income	$2,181,000	558
Total noninterest expense	$19,849,000	337
Salaries and employee benefits	$11,445,000	324
Premises and equipment expense	$2,900,000	267
Additional noninterest expense	$5,504,000	365
Pre-tax net operating income	$5,514,000	425
Securities gains (losses)	$0	1,705
Applicable income taxes	$529,000	711
Income before extraordinary items	$4,985,000	403
Extraordinary gains, net	$0	4
Net income	$4,985,000	402
Minority interest net income	$0	56
Net income of bank and minority interests.	$4,985,000	403
Net charge-offs	$281,000	512
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$4,985,000	395
2019-12-31 (YTD Data)		Rank
Total interest income	$95,257,000	381
Total interest expense	$16,965,000	442
Net interest income	$78,292,000	368
Provision for loan and lease losses	$2,856,000	385
Total noninterest income	$10,015,000	693
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,841,000	675
Trading account gains and fees	$0	135
Additional Noninterest Income	$8,174,000	599
Total noninterest expense	$59,288,000	399
Salaries and employee benefits	$35,689,000	379
Premises and equipment expense	$6,443,000	414
Additional noninterest expense	$17,156,000	427
Pre-tax net operating income	$26,163,000	498
Securities gains (losses)	$4,582,000	90
Applicable income taxes	$6,059,000	443
Income before extraordinary items	$24,686,000	452
Extraordinary gains, net	$0	11
Net income	$24,686,000	451
Minority interest net income	$0	76
Net income of bank and minority interests.	$24,686,000	452
Net charge-offs	$2,402,000	363
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$21,020,400	509
2019-09-30 (YTD Data)		Rank
Total interest income	$68,182,000	404
Total interest expense	$12,114,000	464
Net interest income	$56,068,000	386
Provision for loan and lease losses	$2,082,000	394
Total noninterest income	$7,407,000	699
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$1,352,000	690
Trading account gains and fees	$0	129
Additional Noninterest Income	$6,055,000	602
Total noninterest expense	$41,789,000	426
Salaries and employee benefits	$25,049,000	404
Premises and equipment expense	$4,360,000	466
Additional noninterest expense	$12,380,000	441
Pre-tax net operating income	$19,604,000	508
Securities gains (losses)	$2,134,000	119
Applicable income taxes	$4,242,000	477
Income before extraordinary items	$17,496,000	479
Extraordinary gains, net	$0	11
Net income	$17,496,000	480
Minority interest net income	$0	72
Net income of bank and minority interests.	$17,496,000	480
Net charge-offs	$1,802,000	332
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$15,788,800	518
2019-06-30 (YTD Data)		Rank
Total interest income	$43,182,000	412
Total interest expense	$7,695,000	471
Net interest income	$35,487,000	406
Provision for loan and lease losses	$1,182,000	421
Total noninterest income	$4,746,000	705
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$958,000	647
Trading account gains and fees	$0	131
Additional Noninterest Income	$3,788,000	617
Total noninterest expense	$26,894,000	440
Salaries and employee benefits	$15,680,000	425
Premises and equipment expense	$2,763,000	484
Additional noninterest expense	$8,451,000	443
Pre-tax net operating income	$12,157,000	520
Securities gains (losses)	$2,134,000	87
Applicable income taxes	$2,779,000	473
Income before extraordinary items	$11,512,000	481
Extraordinary gains, net	$0	11
Net income	$11,512,000	480
Minority interest net income	$0	69
Net income of bank and minority interests.	$11,512,000	480
Net charge-offs	$1,201,000	313
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$9,783,460	531
2019-03-31 (YTD Data)		Rank
Total interest income	$18,883,000	468
Total interest expense	$3,419,000	511
Net interest income	$15,464,000	459
Provision for loan and lease losses	$849,000	321
Total noninterest income	$2,013,000	768
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$438,000	698
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,575,000	671
Total noninterest expense	$12,084,000	480
Salaries and employee benefits	$7,026,000	458
Premises and equipment expense	$1,184,000	554
Additional noninterest expense	$3,874,000	463
Pre-tax net operating income	$4,544,000	633
Securities gains (losses)	$1,081,000	82
Applicable income taxes	$1,097,000	542
Income before extraordinary items	$4,528,000	567
Extraordinary gains, net	$0	5
Net income	$4,528,000	565
Minority interest net income	$0	52
Net income of bank and minority interests.	$4,528,000	566
Net charge-offs	$566,000	303
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$3,663,200	647
2018-12-31 (YTD Data)		Rank
Total interest income	$57,338,000	566
Total interest expense	$10,155,000	511
Net interest income	$47,183,000	583
Provision for loan and lease losses	$2,160,000	470
Total noninterest income	$10,464,000	655
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,120,000	1,060
Trading account gains and fees	$0	126
Additional Noninterest Income	$9,344,000	525
Total noninterest expense	$40,173,000	556
Salaries and employee benefits	$26,938,000	459
Premises and equipment expense	$5,004,000	512
Additional noninterest expense	$8,231,000	828
Pre-tax net operating income	$15,314,000	744
Securities gains (losses)	$0	1,125
Applicable income taxes	$2,797,000	689
Income before extraordinary items	$12,517,000	747
Extraordinary gains, net	$0	6
Net income	$12,517,000	746
Minority interest net income	$0	72
Net income of bank and minority interests.	$12,517,000	746
Net charge-offs	$1,526,000	428
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$8,748,000	63
Net operating income	$12,517,000	749
2018-09-30 (YTD Data)		Rank
Total interest income	$40,417,000	591
Total interest expense	$7,102,000	506
Net interest income	$33,315,000	613
Provision for loan and lease losses	$1,460,000	490
Total noninterest income	$7,437,000	685
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$735,000	1,193
Trading account gains and fees	$0	138
Additional Noninterest Income	$6,702,000	546
Total noninterest expense	$28,461,000	594
Salaries and employee benefits	$19,084,000	486
Premises and equipment expense	$3,580,000	536
Additional noninterest expense	$5,797,000	854
Pre-tax net operating income	$10,831,000	763
Securities gains (losses)	$0	1,118
Applicable income taxes	$2,083,000	709
Income before extraordinary items	$8,748,000	806
Extraordinary gains, net	$0	5
Net income	$8,748,000	805
Minority interest net income	$0	66
Net income of bank and minority interests.	$8,748,000	805
Net charge-offs	$956,000	455
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$8,748,000	802
2018-06-30 (YTD Data)		Rank
Total interest income	$26,140,000	598
Total interest expense	$4,514,000	494
Net interest income	$21,626,000	628
Provision for loan and lease losses	$974,000	481
Total noninterest income	$4,863,000	701
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$461,000	1,242
Trading account gains and fees	$0	130
Additional Noninterest Income	$4,402,000	556
Total noninterest expense	$18,830,000	599
Salaries and employee benefits	$12,555,000	489
Premises and equipment expense	$2,361,000	541
Additional noninterest expense	$3,914,000	846
Pre-tax net operating income	$6,685,000	808
Securities gains (losses)	$0	961
Applicable income taxes	$1,274,000	741
Income before extraordinary items	$5,411,000	840
Extraordinary gains, net	$0	6
Net income	$5,411,000	838
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,411,000	839
Net charge-offs	$611,000	461
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$5,411,000	835
2018-03-31 (YTD Data)		Rank
Total interest income	$12,653,000	611
Total interest expense	$2,159,000	492
Net interest income	$10,494,000	641
Provision for loan and lease losses	$339,000	626
Total noninterest income	$2,584,000	660
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$215,000	1,304
Trading account gains and fees	$0	123
Additional Noninterest Income	$2,369,000	512
Total noninterest expense	$9,816,000	564
Salaries and employee benefits	$6,705,000	465
Premises and equipment expense	$1,188,000	540
Additional noninterest expense	$1,923,000	846
Pre-tax net operating income	$2,923,000	888
Securities gains (losses)	$0	735
Applicable income taxes	$547,000	809
Income before extraordinary items	$2,376,000	917
Extraordinary gains, net	$0	7
Net income	$2,376,000	917
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,376,000	917
Net charge-offs	$264,000	462
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$2,376,000	911
2017-12-31 (YTD Data)		Rank
Total interest income	$47,790,000	601
Total interest expense	$7,983,000	447
Net interest income	$39,807,000	643
Provision for loan and lease losses	$2,475,000	436
Total noninterest income	$8,488,000	771
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,065,000	1,129
Trading account gains and fees	$0	151
Additional Noninterest Income	$7,423,000	634
Total noninterest expense	$33,374,000	654
Salaries and employee benefits	$20,128,000	598
Premises and equipment expense	$4,917,000	512
Additional noninterest expense	$8,329,000	799
Pre-tax net operating income	$12,446,000	820
Securities gains (losses)	$0	2,243
Applicable income taxes	$4,055,000	772
Income before extraordinary items	$8,391,000	868
Extraordinary gains, net	$0	9
Net income	$8,391,000	869
Minority interest net income	$0	76
Net income of bank and minority interests.	$8,391,000	868
Net charge-offs	$1,180,000	614
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$8,391,000	857
2017-09-30 (YTD Data)		Rank
Total interest income	$33,824,000	637
Total interest expense	$5,894,000	442
Net interest income	$27,930,000	682
Provision for loan and lease losses	$1,803,000	438
Total noninterest income	$8,618,000	622
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$686,000	1,281
Trading account gains and fees	$0	145
Additional Noninterest Income	$7,932,000	499
Total noninterest expense	$25,327,000	657
Salaries and employee benefits	$15,802,000	576
Premises and equipment expense	$3,510,000	540
Additional noninterest expense	$6,015,000	820
Pre-tax net operating income	$9,418,000	829
Securities gains (losses)	$0	2,274
Applicable income taxes	$2,861,000	715
Income before extraordinary items	$6,557,000	897
Extraordinary gains, net	$0	9
Net income	$6,557,000	898
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,557,000	897
Net charge-offs	$696,000	632
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$6,557,000	887
2017-06-30 (YTD Data)		Rank
Total interest income	$21,934,000	644
Total interest expense	$3,873,000	436
Net interest income	$18,061,000	704
Provision for loan and lease losses	$1,200,000	428
Total noninterest income	$5,613,000	640
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$467,000	1,245
Trading account gains and fees	$0	139
Additional Noninterest Income	$5,146,000	510
Total noninterest expense	$16,980,000	647
Salaries and employee benefits	$10,581,000	575
Premises and equipment expense	$2,308,000	541
Additional noninterest expense	$4,091,000	806
Pre-tax net operating income	$5,494,000	914
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,717,000	743
Income before extraordinary items	$3,777,000	1,032
Extraordinary gains, net	$0	11
Net income	$3,777,000	1,032
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,777,000	1,032
Net charge-offs	$666,000	457
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$3,777,000	1,019
2017-03-31 (YTD Data)		Rank
Total interest income	$11,005,000	637
Total interest expense	$1,908,000	428
Net interest income	$9,097,000	691
Provision for loan and lease losses	$550,000	426
Total noninterest income	$2,235,000	738
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$251,000	1,191
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,984,000	593
Total noninterest expense	$8,395,000	665
Salaries and employee benefits	$5,197,000	595
Premises and equipment expense	$1,161,000	558
Additional noninterest expense	$2,037,000	796
Pre-tax net operating income	$2,387,000	1,013
Securities gains (losses)	$0	1,153
Applicable income taxes	$759,000	807
Income before extraordinary items	$1,628,000	1,148
Extraordinary gains, net	$0	8
Net income	$1,628,000	1,147
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,628,000	1,148
Net charge-offs	$357,000	419
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,628,000	1,130
2016-12-31 (YTD Data)		Rank
Total interest income	$41,840,000	647
Total interest expense	$6,617,000	454
Net interest income	$35,223,000	683
Provision for loan and lease losses	$1,617,000	616
Total noninterest income	$7,952,000	818
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$762,000	1,502
Trading account gains and fees	$0	170
Additional Noninterest Income	$7,190,000	655
Total noninterest expense	$32,109,000	674
Salaries and employee benefits	$19,649,000	598
Premises and equipment expense	$4,539,000	554
Additional noninterest expense	$7,921,000	837
Pre-tax net operating income	$9,449,000	966
Securities gains (losses)	$53,000	1,802
Applicable income taxes	$2,820,000	821
Income before extraordinary items	$6,682,000	1,095
Extraordinary gains, net	$0	5
Net income	$6,682,000	1,094
Minority interest net income	$0	82
Net income of bank and minority interests.	$6,682,000	1,094
Net charge-offs	$336,000	1,426
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$6,644,900	1,079
2016-09-30 (YTD Data)		Rank
Total interest income	$30,953,000	654
Total interest expense	$4,770,000	467
Net interest income	$26,183,000	683
Provision for loan and lease losses	$1,200,000	607
Total noninterest income	$5,768,000	839
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$540,000	1,579
Trading account gains and fees	$0	169
Additional Noninterest Income	$5,228,000	663
Total noninterest expense	$23,849,000	674
Salaries and employee benefits	$14,405,000	612
Premises and equipment expense	$3,658,000	517
Additional noninterest expense	$5,786,000	858
Pre-tax net operating income	$6,902,000	995
Securities gains (losses)	$3,000	2,908
Applicable income taxes	$2,040,000	855
Income before extraordinary items	$4,865,000	1,137
Extraordinary gains, net	$0	5
Net income	$4,865,000	1,136
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,865,000	1,137
Net charge-offs	$346,000	1,037
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$4,862,900	1,112
2016-06-30 (YTD Data)		Rank
Total interest income	$21,273,000	632
Total interest expense	$3,073,000	480
Net interest income	$18,200,000	656
Provision for loan and lease losses	$900,000	547
Total noninterest income	$3,768,000	849
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$342,000	1,629
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,426,000	669
Total noninterest expense	$16,363,000	660
Salaries and employee benefits	$10,282,000	575
Premises and equipment expense	$2,476,000	516
Additional noninterest expense	$3,605,000	921
Pre-tax net operating income	$4,705,000	978
Securities gains (losses)	$0	2,835
Applicable income taxes	$1,341,000	859
Income before extraordinary items	$3,364,000	1,093
Extraordinary gains, net	$0	16
Net income	$3,364,000	1,092
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,364,000	1,092
Net charge-offs	$249,000	986
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$3,364,000	1,069
2016-03-31 (YTD Data)		Rank
Total interest income	$10,344,000	648
Total interest expense	$1,568,000	465
Net interest income	$8,776,000	678
Provision for loan and lease losses	$450,000	504
Total noninterest income	$1,955,000	804
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$168,000	1,644
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,787,000	625
Total noninterest expense	$8,012,000	677
Salaries and employee benefits	$4,957,000	596
Premises and equipment expense	$1,224,000	526
Additional noninterest expense	$1,831,000	890
Pre-tax net operating income	$2,269,000	974
Securities gains (losses)	$0	2,077
Applicable income taxes	$681,000	837
Income before extraordinary items	$1,588,000	1,127
Extraordinary gains, net	$0	12
Net income	$1,588,000	1,128
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,588,000	1,128
Net charge-offs	$135,000	842
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,588,000	1,103
2015-12-31 (YTD Data)		Rank
Total interest income	$39,053,000	659
Total interest expense	$5,431,000	508
Net interest income	$33,622,000	681
Provision for loan and lease losses	$1,580,000	552
Total noninterest income	$7,868,000	809
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$554,000	1,966
Trading account gains and fees	$0	159
Additional Noninterest Income	$7,314,000	620
Total noninterest expense	$30,653,000	674
Salaries and employee benefits	$19,072,000	590
Premises and equipment expense	$4,792,000	521
Additional noninterest expense	$6,789,000	970
Pre-tax net operating income	$9,257,000	953
Securities gains (losses)	$45,000	1,712
Applicable income taxes	$2,802,000	791
Income before extraordinary items	$6,500,000	1,085
Extraordinary gains, net	$0	23
Net income	$6,500,000	1,085
Minority interest net income	$0	81
Net income of bank and minority interests.	$6,500,000	1,085
Net charge-offs	$535,000	1,113
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$6,468,500	1,068
2015-09-30 (YTD Data)		Rank
Total interest income	$28,782,000	677
Total interest expense	$3,897,000	531
Net interest income	$24,885,000	696
Provision for loan and lease losses	$580,000	933
Total noninterest income	$5,433,000	881
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$390,000	2,074
Trading account gains and fees	$0	153
Additional Noninterest Income	$5,043,000	654
Total noninterest expense	$22,527,000	699
Salaries and employee benefits	$13,958,000	616
Premises and equipment expense	$3,605,000	529
Additional noninterest expense	$4,964,000	993
Pre-tax net operating income	$7,211,000	929
Securities gains (losses)	$45,000	1,541
Applicable income taxes	$2,094,000	816
Income before extraordinary items	$5,162,000	1,029
Extraordinary gains, net	$0	21
Net income	$5,162,000	1,029
Minority interest net income	$0	78
Net income of bank and minority interests.	$5,162,000	1,029
Net charge-offs	$380,000	1,052
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$5,130,050	1,018
2015-06-30 (YTD Data)		Rank
Total interest income	$18,826,000	684
Total interest expense	$2,440,000	567
Net interest income	$16,386,000	702
Provision for loan and lease losses	$450,000	841
Total noninterest income	$3,723,000	867
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$248,000	2,118
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,475,000	653
Total noninterest expense	$14,747,000	711
Salaries and employee benefits	$9,071,000	634
Premises and equipment expense	$2,374,000	540
Additional noninterest expense	$3,302,000	996
Pre-tax net operating income	$4,912,000	911
Securities gains (losses)	$45,000	1,293
Applicable income taxes	$1,449,000	792
Income before extraordinary items	$3,508,000	1,010
Extraordinary gains, net	$0	22
Net income	$3,508,000	1,010
Minority interest net income	$0	75
Net income of bank and minority interests.	$3,508,000	1,010
Net charge-offs	$247,000	1,054
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$3,476,050	990
2015-03-31 (YTD Data)		Rank
Total interest income	$9,140,000	700
Total interest expense	$1,131,000	617
Net interest income	$8,009,000	712
Provision for loan and lease losses	$200,000	888
Total noninterest income	$1,635,000	912
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$124,000	2,109
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,511,000	680
Total noninterest expense	$7,171,000	724
Salaries and employee benefits	$4,375,000	664
Premises and equipment expense	$1,186,000	543
Additional noninterest expense	$1,610,000	1,006
Pre-tax net operating income	$2,273,000	950
Securities gains (losses)	$44,000	896
Applicable income taxes	$682,000	817
Income before extraordinary items	$1,635,000	1,039
Extraordinary gains, net	$0	13
Net income	$1,635,000	1,039
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,635,000	1,040
Net charge-offs	$232,000	649
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,603,760	1,030
2014-12-31 (YTD Data)		Rank
Total interest income	$34,108,000	742
Total interest expense	$3,982,000	732
Net interest income	$30,126,000	733
Provision for loan and lease losses	$450,000	1,555
Total noninterest income	$6,643,000	903
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$556,000	2,098
Trading account gains and fees	$0	180
Additional Noninterest Income	$6,087,000	659
Total noninterest expense	$29,836,000	686
Salaries and employee benefits	$18,215,000	596
Premises and equipment expense	$4,655,000	534
Additional noninterest expense	$6,966,000	929
Pre-tax net operating income	$6,483,000	1,229
Securities gains (losses)	$16,000	2,441
Applicable income taxes	$1,774,000	1,075
Income before extraordinary items	$4,725,000	1,378
Extraordinary gains, net	$0	17
Net income	$4,725,000	1,377
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,725,000	1,377
Net charge-offs	$408,000	1,700
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,713,320	1,349
2014-09-30 (YTD Data)		Rank
Total interest income	$25,080,000	753
Total interest expense	$2,935,000	757
Net interest income	$22,145,000	744
Provision for loan and lease losses	$250,000	1,804
Total noninterest income	$5,569,000	823
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$432,000	2,045
Trading account gains and fees	$0	174
Additional Noninterest Income	$5,137,000	606
Total noninterest expense	$22,274,000	684
Salaries and employee benefits	$13,607,000	597
Premises and equipment expense	$3,491,000	531
Additional noninterest expense	$5,176,000	937
Pre-tax net operating income	$5,190,000	1,176
Securities gains (losses)	$14,000	2,191
Applicable income taxes	$1,419,000	1,040
Income before extraordinary items	$3,785,000	1,281
Extraordinary gains, net	$0	15
Net income	$3,785,000	1,280
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,785,000	1,281
Net charge-offs	$98,000	2,707
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$3,774,780	1,269
2014-06-30 (YTD Data)		Rank
Total interest income	$16,382,000	768
Total interest expense	$1,943,000	766
Net interest income	$14,439,000	758
Provision for loan and lease losses	$50,000	2,981
Total noninterest income	$3,916,000	768
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$283,000	2,047
Trading account gains and fees	$0	172
Additional Noninterest Income	$3,633,000	563
Total noninterest expense	$14,786,000	684
Salaries and employee benefits	$8,822,000	612
Premises and equipment expense	$2,328,000	538
Additional noninterest expense	$3,636,000	891
Pre-tax net operating income	$3,519,000	1,127
Securities gains (losses)	$14,000	1,800
Applicable income taxes	$994,000	973
Income before extraordinary items	$2,539,000	1,243
Extraordinary gains, net	$0	20
Net income	$2,539,000	1,242
Minority interest net income	$0	80
Net income of bank and minority interests.	$2,539,000	1,244
Net charge-offs	$-180,000	6,432
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$2,528,920	1,224
2014-03-31 (YTD Data)		Rank
Total interest income	$8,050,000	783
Total interest expense	$979,000	768
Net interest income	$7,071,000	774
Provision for loan and lease losses	$0	3,817
Total noninterest income	$1,576,000	879
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$137,000	2,080
Trading account gains and fees	$0	147
Additional Noninterest Income	$1,439,000	645
Total noninterest expense	$7,176,000	714
Salaries and employee benefits	$4,442,000	621
Premises and equipment expense	$1,064,000	593
Additional noninterest expense	$1,670,000	959
Pre-tax net operating income	$1,471,000	1,266
Securities gains (losses)	$-2,000	6,289
Applicable income taxes	$407,000	1,074
Income before extraordinary items	$1,062,000	1,422
Extraordinary gains, net	$0	16
Net income	$1,062,000	1,424
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,062,000	1,424
Net charge-offs	$-175,000	6,572
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,063,440	1,398
2013-12-31 (YTD Data)		Rank
Total interest income	$24,317,000	1,042
Total interest expense	$3,421,000	985
Net interest income	$20,896,000	1,055
Provision for loan and lease losses	$575,000	1,685
Total noninterest income	$10,032,000	668
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$526,000	2,290
Trading account gains and fees	$0	184
Additional Noninterest Income	$9,506,000	500
Total noninterest expense	$22,723,000	891
Salaries and employee benefits	$11,539,000	930
Premises and equipment expense	$3,706,000	665
Additional noninterest expense	$7,478,000	912
Pre-tax net operating income	$7,630,000	1,001
Securities gains (losses)	$-6,000	6,201
Applicable income taxes	$2,571,000	748
Income before extraordinary items	$5,053,000	1,213
Extraordinary gains, net	$0	29
Net income	$5,053,000	1,215
Minority interest net income	$0	90
Net income of bank and minority interests.	$5,053,000	1,216
Net charge-offs	$351,000	2,387
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$5,056,960	1,187
2013-09-30 (YTD Data)		Rank
Total interest income	$17,171,000	1,123
Total interest expense	$2,458,000	1,057
Net interest income	$14,713,000	1,116
Provision for loan and lease losses	$225,000	2,403
Total noninterest income	$3,358,000	1,249
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$389,000	2,321
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,969,000	972
Total noninterest expense	$15,588,000	983
Salaries and employee benefits	$7,879,000	1,030
Premises and equipment expense	$2,281,000	811
Additional noninterest expense	$5,428,000	932
Pre-tax net operating income	$2,258,000	2,226
Securities gains (losses)	$123,000	1,081
Applicable income taxes	$547,000	1,824
Income before extraordinary items	$1,834,000	2,286
Extraordinary gains, net	$0	25
Net income	$1,834,000	2,291
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,834,000	2,291
Net charge-offs	$362,000	1,924
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,739,290	2,301
2013-06-30 (YTD Data)		Rank
Total interest income	$10,681,000	1,196
Total interest expense	$1,592,000	1,125
Net interest income	$9,089,000	1,198
Provision for loan and lease losses	$175,000	2,281
Total noninterest income	$2,445,000	1,177
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$283,000	2,139
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,162,000	928
Total noninterest expense	$9,582,000	1,065
Salaries and employee benefits	$5,755,000	937
Premises and equipment expense	$1,334,000	910
Additional noninterest expense	$2,493,000	1,328
Pre-tax net operating income	$1,777,000	1,914
Securities gains (losses)	$0	2,791
Applicable income taxes	$431,000	1,667
Income before extraordinary items	$1,346,000	2,116
Extraordinary gains, net	$0	22
Net income	$1,346,000	2,124
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,346,000	2,122
Net charge-offs	$290,000	1,730
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,346,000	2,027
2013-03-31 (YTD Data)		Rank
Total interest income	$5,299,000	1,209
Total interest expense	$787,000	1,180
Net interest income	$4,512,000	1,204
Provision for loan and lease losses	$75,000	2,354
Total noninterest income	$1,274,000	1,137
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$157,000	1,959
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,117,000	924
Total noninterest expense	$4,548,000	1,130
Salaries and employee benefits	$2,743,000	999
Premises and equipment expense	$627,000	983
Additional noninterest expense	$1,178,000	1,385
Pre-tax net operating income	$1,163,000	1,506
Securities gains (losses)	$0	1,966
Applicable income taxes	$296,000	1,339
Income before extraordinary items	$867,000	1,671
Extraordinary gains, net	$0	10
Net income	$867,000	1,672
Minority interest net income	$0	76
Net income of bank and minority interests.	$867,000	1,673
Net charge-offs	$18,000	3,151
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$867,000	1,615
2012-12-31 (YTD Data)		Rank
Total interest income	$16,968,000	1,562
Total interest expense	$2,615,000	1,676
Net interest income	$14,353,000	1,534
Provision for loan and lease losses	$1,144,000	1,628
Total noninterest income	$5,317,000	1,104
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$570,000	2,238
Trading account gains and fees	$0	166
Additional Noninterest Income	$4,747,000	842
Total noninterest expense	$15,870,000	1,271
Salaries and employee benefits	$9,042,000	1,164
Premises and equipment expense	$2,130,000	1,111
Additional noninterest expense	$4,698,000	1,443
Pre-tax net operating income	$2,656,000	2,307
Securities gains (losses)	$430,000	1,059
Applicable income taxes	$1,073,000	1,402
Income before extraordinary items	$2,013,000	2,577
Extraordinary gains, net	$0	29
Net income	$2,013,000	2,579
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,013,000	2,578
Net charge-offs	$728,000	2,179
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,733,500	2,744
2012-09-30 (YTD Data)		Rank
Total interest income	$12,249,000	1,654
Total interest expense	$1,883,000	1,808
Net interest income	$10,366,000	1,606
Provision for loan and lease losses	$831,000	1,668
Total noninterest income	$3,525,000	1,189
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$400,000	2,384
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,125,000	917
Total noninterest expense	$11,551,000	1,296
Salaries and employee benefits	$6,663,000	1,182
Premises and equipment expense	$1,488,000	1,198
Additional noninterest expense	$3,400,000	1,490
Pre-tax net operating income	$1,509,000	2,873
Securities gains (losses)	$430,000	849
Applicable income taxes	$187,000	2,897
Income before extraordinary items	$1,752,000	2,359
Extraordinary gains, net	$0	20
Net income	$1,752,000	2,360
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,752,000	2,360
Net charge-offs	$84,000	4,133
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,365,000	2,677
2012-06-30 (YTD Data)		Rank
Total interest income	$8,192,000	1,664
Total interest expense	$1,238,000	1,899
Net interest income	$6,954,000	1,596
Provision for loan and lease losses	$532,000	1,738
Total noninterest income	$2,232,000	1,227
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$243,000	2,539
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,989,000	916
Total noninterest expense	$7,556,000	1,315
Salaries and employee benefits	$4,266,000	1,232
Premises and equipment expense	$1,004,000	1,182
Additional noninterest expense	$2,286,000	1,484
Pre-tax net operating income	$1,098,000	2,679
Securities gains (losses)	$287,000	886
Applicable income taxes	$187,000	2,503
Income before extraordinary items	$1,198,000	2,275
Extraordinary gains, net	$0	19
Net income	$1,198,000	2,275
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,198,000	2,275
Net charge-offs	$59,000	3,882
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$951,180	2,574
2012-03-31 (YTD Data)		Rank
Total interest income	$3,899,000	1,746
Total interest expense	$645,000	1,903
Net interest income	$3,254,000	1,714
Provision for loan and lease losses	$340,000	1,389
Total noninterest income	$1,149,000	1,200
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$105,000	2,825
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,044,000	876
Total noninterest expense	$3,663,000	1,357
Salaries and employee benefits	$2,130,000	1,225
Premises and equipment expense	$478,000	1,251
Additional noninterest expense	$1,055,000	1,581
Pre-tax net operating income	$400,000	3,306
Securities gains (losses)	$0	2,210
Applicable income taxes	$116,000	2,299
Income before extraordinary items	$284,000	3,742
Extraordinary gains, net	$0	19
Net income	$284,000	3,744
Minority interest net income	$0	78
Net income of bank and minority interests.	$284,000	3,745
Net charge-offs	$14,000	3,886
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$284,000	3,573
2011-12-31 (YTD Data)		Rank
Total interest income	$12,010,000	2,320
Total interest expense	$2,341,000	2,447
Net interest income	$9,669,000	2,269
Provision for loan and lease losses	$443,000	3,622
Total noninterest income	$4,405,000	1,152
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$392,000	3,074
Trading account gains and fees	$0	146
Additional Noninterest Income	$4,013,000	839
Total noninterest expense	$11,864,000	1,650
Salaries and employee benefits	$6,689,000	1,474
Premises and equipment expense	$1,666,000	1,489
Additional noninterest expense	$3,509,000	1,918
Pre-tax net operating income	$1,767,000	2,744
Securities gains (losses)	$0	3,838
Applicable income taxes	$-707,000	7,120
Income before extraordinary items	$2,474,000	1,891
Extraordinary gains, net	$0	29
Net income	$2,474,000	1,892
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,474,000	1,892
Net charge-offs	$197,000	4,311
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,474,000	1,801
2011-09-30 (YTD Data)		Rank
Total interest income	$8,491,000	2,497
Total interest expense	$1,686,000	2,616
Net interest income	$6,805,000	2,425
Provision for loan and lease losses	$407,000	3,182
Total noninterest income	$3,673,000	1,068
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$275,000	3,201
Trading account gains and fees	$0	145
Additional Noninterest Income	$3,398,000	760
Total noninterest expense	$8,297,000	1,748
Salaries and employee benefits	$4,779,000	1,551
Premises and equipment expense	$1,131,000	1,663
Additional noninterest expense	$2,387,000	2,090
Pre-tax net operating income	$1,774,000	2,289
Securities gains (losses)	$0	3,555
Applicable income taxes	$-496,000	7,213
Income before extraordinary items	$2,270,000	1,659
Extraordinary gains, net	$0	21
Net income	$2,270,000	1,660
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,270,000	1,660
Net charge-offs	$139,000	4,096
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,270,000	1,581
2011-06-30 (YTD Data)		Rank
Total interest income	$5,510,000	2,574
Total interest expense	$1,095,000	2,762
Net interest income	$4,415,000	2,502
Provision for loan and lease losses	$223,000	3,400
Total noninterest income	$2,527,000	1,041
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$185,000	3,171
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,342,000	747
Total noninterest expense	$5,399,000	1,806
Salaries and employee benefits	$3,069,000	1,615
Premises and equipment expense	$740,000	1,712
Additional noninterest expense	$1,590,000	2,127
Pre-tax net operating income	$1,320,000	2,069
Securities gains (losses)	$0	2,914
Applicable income taxes	$-373,000	7,295
Income before extraordinary items	$1,693,000	1,451
Extraordinary gains, net	$0	15
Net income	$1,693,000	1,451
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,693,000	1,451
Net charge-offs	$-1,000	6,559
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,693,000	1,394
2011-03-31 (YTD Data)		Rank
Total interest income	$2,721,000	2,624
Total interest expense	$535,000	2,884
Net interest income	$2,186,000	2,519
Provision for loan and lease losses	$180,000	2,550
Total noninterest income	$1,350,000	996
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$83,000	3,354
Trading account gains and fees	$0	158
Additional Noninterest Income	$1,267,000	699
Total noninterest expense	$2,604,000	1,878
Salaries and employee benefits	$1,485,000	1,674
Premises and equipment expense	$364,000	1,776
Additional noninterest expense	$755,000	2,214
Pre-tax net operating income	$752,000	1,867
Securities gains (losses)	$0	1,772
Applicable income taxes	$-250,000	7,405
Income before extraordinary items	$1,002,000	1,235
Extraordinary gains, net	$0	9
Net income	$1,002,000	1,234
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,002,000	1,235
Net charge-offs	$-1,000	6,209
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$1,002,000	1,202
2010-12-31 (YTD Data)		Rank
Total interest income	$8,755,000	3,295
Total interest expense	$2,332,000	3,159
Net interest income	$6,423,000	3,293
Provision for loan and lease losses	$431,000	4,361
Total noninterest income	$2,783,000	1,638
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$312,000	3,555
Trading account gains and fees	$0	175
Additional Noninterest Income	$2,471,000	1,210
Total noninterest expense	$8,240,000	2,345
Salaries and employee benefits	$4,759,000	2,028
Premises and equipment expense	$1,216,000	2,076
Additional noninterest expense	$2,265,000	2,917
Pre-tax net operating income	$535,000	4,286
Securities gains (losses)	$0	3,793
Applicable income taxes	$0	4,655
Income before extraordinary items	$535,000	4,216
Extraordinary gains, net	$0	29
Net income	$535,000	4,218
Minority interest net income	$0	111
Net income of bank and minority interests.	$535,000	4,218
Net charge-offs	$54,000	5,854
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$535,000	4,077
2010-09-30 (YTD Data)		Rank
Total interest income	$6,367,000	3,463
Total interest expense	$1,745,000	3,287
Net interest income	$4,622,000	3,455
Provision for loan and lease losses	$362,000	4,058
Total noninterest income	$1,854,000	1,791
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$213,000	3,809
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,641,000	1,261
Total noninterest expense	$5,775,000	2,505
Salaries and employee benefits	$3,358,000	2,162
Premises and equipment expense	$861,000	2,235
Additional noninterest expense	$1,556,000	3,112
Pre-tax net operating income	$339,000	4,715
Securities gains (losses)	$0	3,651
Applicable income taxes	$0	4,726
Income before extraordinary items	$339,000	4,704
Extraordinary gains, net	$0	23
Net income	$339,000	4,707
Minority interest net income	$0	110
Net income of bank and minority interests.	$339,000	4,707
Net charge-offs	$12,000	6,207
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$339,000	4,514
2010-06-30 (YTD Data)		Rank
Total interest income	$4,099,000	3,588
Total interest expense	$1,164,000	3,388
Net interest income	$2,935,000	3,572
Provision for loan and lease losses	$322,000	3,496
Total noninterest income	$1,149,000	1,832
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$125,000	4,068
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,024,000	1,271
Total noninterest expense	$3,634,000	2,649
Salaries and employee benefits	$2,130,000	2,279
Premises and equipment expense	$537,000	2,390
Additional noninterest expense	$967,000	3,292
Pre-tax net operating income	$128,000	5,337
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$128,000	5,363
Extraordinary gains, net	$0	19
Net income	$128,000	5,364
Minority interest net income	$0	105
Net income of bank and minority interests.	$128,000	5,365
Net charge-offs	$9,000	5,868
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$128,000	5,229
2010-03-31 (YTD Data)		Rank
Total interest income	$1,926,000	3,816
Total interest expense	$602,000	3,420
Net interest income	$1,324,000	3,878
Provision for loan and lease losses	$148,000	3,487
Total noninterest income	$553,000	1,883
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$53,000	4,364
Trading account gains and fees	$0	175
Additional Noninterest Income	$500,000	1,305
Total noninterest expense	$1,715,000	2,811
Salaries and employee benefits	$1,069,000	2,301
Premises and equipment expense	$261,000	2,501
Additional noninterest expense	$385,000	3,895
Pre-tax net operating income	$14,000	6,096
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$14,000	6,194
Extraordinary gains, net	$0	16
Net income	$14,000	6,196
Minority interest net income	$0	91
Net income of bank and minority interests.	$14,000	6,196
Net charge-offs	$9,000	4,900
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$14,000	6,086
2009-12-31 (YTD Data)		Rank
Total interest income	$4,478,000	5,438
Total interest expense	$1,469,000	5,207
Net interest income	$3,009,000	5,374
Provision for loan and lease losses	$464,000	4,655
Total noninterest income	$893,000	3,555
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$172,000	4,905
Trading account gains and fees	$0	211
Additional Noninterest Income	$721,000	2,609
Total noninterest expense	$5,488,000	3,409
Salaries and employee benefits	$3,035,000	3,144
Premises and equipment expense	$708,000	3,427
Additional noninterest expense	$1,745,000	3,687
Pre-tax net operating income	$-2,050,000	6,643
Securities gains (losses)	$0	3,754
Applicable income taxes	$-39,000	6,408
Income before extraordinary items	$-2,011,000	6,759
Extraordinary gains, net	$0	34
Net income	$-2,011,000	6,757
Minority interest net income	$0	115
Net income of bank and minority interests.	$-2,011,000	6,757
Net charge-offs	$131,000	5,453
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$116,000	852
Net operating income	$-2,011,000	6,758
2009-09-30 (YTD Data)		Rank
Total interest income	$2,835,000	5,907
Total interest expense	$956,000	5,666
Net interest income	$1,879,000	5,850
Provision for loan and lease losses	$188,000	5,236
Total noninterest income	$540,000	4,072
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$120,000	5,077
Trading account gains and fees	$0	212
Additional Noninterest Income	$420,000	3,099
Total noninterest expense	$3,478,000	3,923
Salaries and employee benefits	$1,985,000	3,559
Premises and equipment expense	$526,000	3,489
Additional noninterest expense	$967,000	4,496
Pre-tax net operating income	$-1,247,000	6,758
Securities gains (losses)	$0	3,497
Applicable income taxes	$0	4,592
Income before extraordinary items	$-1,247,000	6,880
Extraordinary gains, net	$0	27
Net income	$-1,247,000	6,882
Minority interest net income	$0	118
Net income of bank and minority interests.	$-1,247,000	6,882
Net charge-offs	$128,000	4,817
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-1,247,000	6,861
2009-06-30 (YTD Data)		Rank
Total interest income	$1,681,000	6,236
Total interest expense	$580,000	5,986
Net interest income	$1,101,000	6,171
Provision for loan and lease losses	$52,000	6,039
Total noninterest income	$237,000	4,914
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$78,000	5,109
Trading account gains and fees	$0	193
Additional Noninterest Income	$159,000	3,999
Total noninterest expense	$2,153,000	4,169
Salaries and employee benefits	$1,216,000	3,855
Premises and equipment expense	$337,000	3,626
Additional noninterest expense	$600,000	4,723
Pre-tax net operating income	$-867,000	6,945
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$-867,000	7,075
Extraordinary gains, net	$0	21
Net income	$-867,000	7,074
Minority interest net income	$0	112
Net income of bank and minority interests.	$-867,000	7,074
Net charge-offs	$28,000	5,387
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-867,000	7,057
2009-03-31 (YTD Data)		Rank
Total interest income	$696,000	6,668
Total interest expense	$252,000	6,360
Net interest income	$444,000	6,656
Provision for loan and lease losses	$0	6,744
Total noninterest income	$71,000	5,797
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$35,000	5,255
Trading account gains and fees	$0	171
Additional Noninterest Income	$36,000	5,346
Total noninterest expense	$949,000	4,461
Salaries and employee benefits	$526,000	4,311
Premises and equipment expense	$122,000	4,572
Additional noninterest expense	$301,000	4,399
Pre-tax net operating income	$-434,000	7,245
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$-434,000	7,381
Extraordinary gains, net	$0	15
Net income	$-434,000	7,382
Minority interest net income	$0	102
Net income of bank and minority interests.	$-434,000	7,382
Net charge-offs	$17,000	4,442
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-434,000	7,346
2008-12-31 (YTD Data)		Rank
Total interest income	$256,000	8,243
Total interest expense	$111,000	8,182
Net interest income	$145,000	8,257
Provision for loan and lease losses	$111,000	5,925
Total noninterest income	$39,000	7,815
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$19,000	7,056
Trading account gains and fees	$0	154
Additional Noninterest Income	$20,000	7,432
Total noninterest expense	$342,000	8,227
Salaries and employee benefits	$157,000	8,233
Premises and equipment expense	$46,000	8,087
Additional noninterest expense	$139,000	8,108
Pre-tax net operating income	$-269,000	6,608
Securities gains (losses)	$0	3,220
Applicable income taxes	$4,000	4,719
Income before extraordinary items	$-273,000	6,549
Extraordinary gains, net	$0	39
Net income	$-273,000	6,549
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,209
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-273,000	6,693
2008-09-30 (YTD Data)		Rank
Total interest income	$1,758,000	7,175
Total interest expense	$825,000	6,733
Net interest income	$933,000	7,369
Provision for loan and lease losses	$129,000	4,833
Total noninterest income	$313,000	5,296
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$147,000	4,864
Trading account gains and fees	$0	148
Additional Noninterest Income	$166,000	4,782
Total noninterest expense	$2,158,000	5,234
Salaries and employee benefits	$829,000	6,197
Premises and equipment expense	$258,000	5,494
Additional noninterest expense	$1,071,000	3,684
Pre-tax net operating income	$-1,041,000	7,554
Securities gains (losses)	$0	3,106
Applicable income taxes	$23,000	4,535
Income before extraordinary items	$-1,064,000	7,539
Extraordinary gains, net	$0	31
Net income	$-1,064,000	7,537
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,000	3,157
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$150,000	655
Net operating income	$-1,064,000	7,648
2008-06-30 (YTD Data)		Rank
Total interest income	$1,228,000	7,170
Total interest expense	$570,000	6,784
Net interest income	$658,000	7,317
Provision for loan and lease losses	$124,000	3,929
Total noninterest income	$220,000	5,245
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$107,000	4,719
Trading account gains and fees	$0	149
Additional Noninterest Income	$113,000	4,835
Total noninterest expense	$1,511,000	5,103
Salaries and employee benefits	$519,000	6,403
Premises and equipment expense	$160,000	5,703
Additional noninterest expense	$832,000	3,247
Pre-tax net operating income	$-757,000	7,770
Securities gains (losses)	$0	3,233
Applicable income taxes	$10,000	4,982
Income before extraordinary items	$-767,000	7,884
Extraordinary gains, net	$0	21
Net income	$-767,000	7,883
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	3,315
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-767,000	7,862
2008-03-31 (YTD Data)		Rank
Total interest income	$629,000	7,209
Total interest expense	$294,000	6,871
Net interest income	$335,000	7,328
Provision for loan and lease losses	$0	6,080
Total noninterest income	$110,000	5,238
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$54,000	4,649
Trading account gains and fees	$0	158
Additional Noninterest Income	$56,000	4,821
Total noninterest expense	$596,000	5,828
Salaries and employee benefits	$253,000	6,486
Premises and equipment expense	$77,000	5,819
Additional noninterest expense	$266,000	4,492
Pre-tax net operating income	$-151,000	7,668
Securities gains (losses)	$0	2,688
Applicable income taxes	$1,000	5,476
Income before extraordinary items	$-152,000	7,757
Extraordinary gains, net	$0	15
Net income	$-152,000	7,756
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	2,589
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-152,000	7,719
2007-12-31 (YTD Data)		Rank
Total interest income	$2,974,000	6,861
Total interest expense	$1,327,000	6,682
Net interest income	$1,647,000	6,933
Provision for loan and lease losses	$-94,000	8,366
Total noninterest income	$535,000	4,884
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$229,000	4,627
Trading account gains and fees	$0	178
Additional Noninterest Income	$306,000	4,207
Total noninterest expense	$3,440,000	4,584
Salaries and employee benefits	$1,248,000	5,868
Premises and equipment expense	$377,000	5,209
Additional noninterest expense	$1,815,000	2,907
Pre-tax net operating income	$-1,164,000	8,097
Securities gains (losses)	$0	2,146
Applicable income taxes	$3,000	5,864
Income before extraordinary items	$-1,167,000	8,154
Extraordinary gains, net	$0	39
Net income	$-1,167,000	8,150
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-65,000	8,327
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$-1,167,000	8,143
2007-09-30 (YTD Data)		Rank
Total interest income	$2,258,000	6,875
Total interest expense	$1,009,000	6,676
Net interest income	$1,249,000	6,956
Provision for loan and lease losses	$-154,000	8,457
Total noninterest income	$428,000	4,760
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$176,000	4,609
Trading account gains and fees	$0	184
Additional Noninterest Income	$252,000	4,083
Total noninterest expense	$1,995,000	5,367
Salaries and employee benefits	$978,000	5,710
Premises and equipment expense	$269,000	5,325
Additional noninterest expense	$748,000	4,603
Pre-tax net operating income	$-164,000	7,863
Securities gains (losses)	$0	1,655
Applicable income taxes	$-54,000	8,165
Income before extraordinary items	$-110,000	7,858
Extraordinary gains, net	$0	33
Net income	$-110,000	7,854
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-105,000	8,392
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$-110,000	7,843
2007-06-30 (YTD Data)		Rank
Total interest income	$1,528,000	6,886
Total interest expense	$683,000	6,671
Net interest income	$845,000	6,975
Provision for loan and lease losses	$-154,000	8,507
Total noninterest income	$290,000	4,744
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$112,000	4,712
Trading account gains and fees	$0	168
Additional Noninterest Income	$178,000	4,012
Total noninterest expense	$1,353,000	5,350
Salaries and employee benefits	$673,000	5,683
Premises and equipment expense	$186,000	5,247
Additional noninterest expense	$494,000	4,624
Pre-tax net operating income	$-64,000	7,911
Securities gains (losses)	$0	1,444
Applicable income taxes	$-20,000	8,201
Income before extraordinary items	$-44,000	7,904
Extraordinary gains, net	$0	29
Net income	$-44,000	7,903
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-129,000	8,479
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$-44,000	7,893
2007-03-31 (YTD Data)		Rank
Total interest income	$804,000	6,803
Total interest expense	$347,000	6,665
Net interest income	$457,000	6,812
Provision for loan and lease losses	$21,000	4,310
Total noninterest income	$123,000	5,068
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$53,000	4,757
Trading account gains and fees	$0	195
Additional Noninterest Income	$70,000	4,459
Total noninterest expense	$665,000	5,423
Salaries and employee benefits	$339,000	5,693
Premises and equipment expense	$88,000	5,432
Additional noninterest expense	$238,000	4,702
Pre-tax net operating income	$-106,000	8,157
Securities gains (losses)	$0	1,187
Applicable income taxes	$-35,000	8,374
Income before extraordinary items	$-71,000	8,110
Extraordinary gains, net	$0	22
Net income	$-71,000	8,109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	1,682
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$-71,000	8,099
2006-12-31 (YTD Data)		Rank
Total interest income	$3,189,000	6,640
Total interest expense	$1,308,000	6,407
Net interest income	$1,881,000	6,701
Provision for loan and lease losses	$100,000	4,711
Total noninterest income	$601,000	4,724
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$213,000	4,854
Trading account gains and fees	$0	130
Additional Noninterest Income	$388,000	3,787
Total noninterest expense	$3,005,000	4,877
Salaries and employee benefits	$1,422,000	5,374
Premises and equipment expense	$342,000	5,391
Additional noninterest expense	$1,241,000	3,833
Pre-tax net operating income	$-623,000	8,311
Securities gains (losses)	$0	1,687
Applicable income taxes	$-232,000	8,479
Income before extraordinary items	$-391,000	8,247
Extraordinary gains, net	$0	51
Net income	$-391,000	8,246
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$423,000	1,325
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$-391,000	8,242
2006-09-30 (YTD Data)		Rank
Total interest income	$2,399,000	6,658
Total interest expense	$946,000	6,442
Net interest income	$1,453,000	6,705
Provision for loan and lease losses	$40,000	5,377
Total noninterest income	$436,000	4,827
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$155,000	4,969
Trading account gains and fees	$0	126
Additional Noninterest Income	$281,000	3,850
Total noninterest expense	$2,225,000	4,903
Salaries and employee benefits	$1,056,000	5,379
Premises and equipment expense	$260,000	5,352
Additional noninterest expense	$909,000	3,894
Pre-tax net operating income	$-376,000	8,383
Securities gains (losses)	$0	1,388
Applicable income taxes	$-149,000	8,602
Income before extraordinary items	$-227,000	8,336
Extraordinary gains, net	$0	45
Net income	$-227,000	8,336
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$355,000	1,030
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$-227,000	8,332
2006-06-30 (YTD Data)		Rank
Total interest income	$1,609,000	6,642
Total interest expense	$598,000	6,470
Net interest income	$1,011,000	6,638
Provision for loan and lease losses	$40,000	4,712
Total noninterest income	$296,000	4,785
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$99,000	5,045
Trading account gains and fees	$0	126
Additional Noninterest Income	$197,000	3,774
Total noninterest expense	$1,378,000	5,177
Salaries and employee benefits	$685,000	5,495
Premises and equipment expense	$186,000	5,159
Additional noninterest expense	$507,000	4,450
Pre-tax net operating income	$-111,000	8,345
Securities gains (losses)	$0	1,185
Applicable income taxes	$-44,000	8,575
Income before extraordinary items	$-67,000	8,305
Extraordinary gains, net	$0	39
Net income	$-67,000	8,306
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$318,000	806
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$-67,000	8,302
2006-03-31 (YTD Data)		Rank
Total interest income	$780,000	6,700
Total interest expense	$286,000	6,481
Net interest income	$494,000	6,719
Provision for loan and lease losses	$15,000	4,758
Total noninterest income	$177,000	4,247
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$48,000	5,036
Trading account gains and fees	$0	115
Additional Noninterest Income	$129,000	3,249
Total noninterest expense	$648,000	5,374
Salaries and employee benefits	$330,000	5,643
Premises and equipment expense	$89,000	5,311
Additional noninterest expense	$229,000	4,739
Pre-tax net operating income	$8,000	8,139
Securities gains (losses)	$0	955
Applicable income taxes	$2,000	6,346
Income before extraordinary items	$6,000	8,144
Extraordinary gains, net	$0	21
Net income	$6,000	8,144
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$310,000	451
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$6,000	8,135
2005-12-31 (YTD Data)		Rank
Total interest income	$3,149,000	6,475
Total interest expense	$990,000	6,317
Net interest income	$2,159,000	6,435
Provision for loan and lease losses	$630,000	1,567
Total noninterest income	$500,000	5,246
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$253,000	4,548
Trading account gains and fees	$0	138
Additional Noninterest Income	$247,000	4,757
Total noninterest expense	$2,633,000	5,199
Salaries and employee benefits	$1,251,000	5,648
Premises and equipment expense	$290,000	5,821
Additional noninterest expense	$1,092,000	4,132
Pre-tax net operating income	$-604,000	8,534
Securities gains (losses)	$0	2,296
Applicable income taxes	$-186,000	8,668
Income before extraordinary items	$-418,000	8,522
Extraordinary gains, net	$0	46
Net income	$-418,000	8,522
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$570,000	1,049
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$-418,000	8,500
2005-09-30 (YTD Data)		Rank
Total interest income	$2,349,000	6,486
Total interest expense	$709,000	6,326
Net interest income	$1,640,000	6,428
Provision for loan and lease losses	$340,000	1,992
Total noninterest income	$374,000	5,258
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$199,000	4,470
Trading account gains and fees	$0	126
Additional Noninterest Income	$175,000	4,897
Total noninterest expense	$1,913,000	5,288
Salaries and employee benefits	$936,000	5,646
Premises and equipment expense	$210,000	5,925
Additional noninterest expense	$767,000	4,318
Pre-tax net operating income	$-239,000	8,505
Securities gains (losses)	$0	2,317
Applicable income taxes	$13,000	6,453
Income before extraordinary items	$-252,000	8,544
Extraordinary gains, net	$0	35
Net income	$-252,000	8,544
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$510,000	824
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$-252,000	8,515
2005-06-30 (YTD Data)		Rank
Total interest income	$1,554,000	6,465
Total interest expense	$452,000	6,304
Net interest income	$1,102,000	6,414
Provision for loan and lease losses	$20,000	5,646
Total noninterest income	$246,000	5,255
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$136,000	4,370
Trading account gains and fees	$0	116
Additional Noninterest Income	$110,000	4,988
Total noninterest expense	$1,266,000	5,291
Salaries and employee benefits	$622,000	5,639
Premises and equipment expense	$140,000	5,912
Additional noninterest expense	$504,000	4,350
Pre-tax net operating income	$62,000	8,073
Securities gains (losses)	$0	2,146
Applicable income taxes	$10,000	6,414
Income before extraordinary items	$52,000	8,095
Extraordinary gains, net	$0	30
Net income	$52,000	8,095
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	2,697
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$52,000	8,061
2005-03-31 (YTD Data)		Rank
Total interest income	$770,000	6,493
Total interest expense	$224,000	6,246
Net interest income	$546,000	6,468
Provision for loan and lease losses	$10,000	5,373
Total noninterest income	$113,000	5,424
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$64,000	4,460
Trading account gains and fees	$0	115
Additional Noninterest Income	$49,000	5,227
Total noninterest expense	$615,000	5,437
Salaries and employee benefits	$322,000	5,568
Premises and equipment expense	$57,000	6,461
Additional noninterest expense	$236,000	4,552
Pre-tax net operating income	$34,000	8,103
Securities gains (losses)	$0	1,685
Applicable income taxes	$7,000	6,248
Income before extraordinary items	$27,000	8,139
Extraordinary gains, net	$0	24
Net income	$27,000	8,139
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	1,841
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$27,000	8,113
2004-12-31 (YTD Data)		Rank
Total interest income	$3,100,000	6,326
Total interest expense	$993,000	5,675
Net interest income	$2,107,000	6,482
Provision for loan and lease losses	$223,000	3,521
Total noninterest income	$574,000	4,929
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$298,000	4,328
Trading account gains and fees	$0	138
Additional Noninterest Income	$276,000	4,424
Total noninterest expense	$2,486,000	5,331
Salaries and employee benefits	$1,302,000	5,427
Premises and equipment expense	$231,000	6,396
Additional noninterest expense	$953,000	4,525
Pre-tax net operating income	$-28,000	8,431
Securities gains (losses)	$0	3,819
Applicable income taxes	$-14,000	8,600
Income before extraordinary items	$-14,000	8,454
Extraordinary gains, net	$0	34
Net income	$-14,000	8,456
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$161,000	2,926
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$-14,000	8,421
2004-09-30 (YTD Data)		Rank
Total interest income	$2,335,000	6,325
Total interest expense	$749,000	5,630
Net interest income	$1,586,000	6,493
Provision for loan and lease losses	$223,000	2,833
Total noninterest income	$428,000	4,966
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$227,000	4,321
Trading account gains and fees	$0	134
Additional Noninterest Income	$201,000	4,487
Total noninterest expense	$1,847,000	5,320
Salaries and employee benefits	$989,000	5,362
Premises and equipment expense	$165,000	6,512
Additional noninterest expense	$693,000	4,564
Pre-tax net operating income	$-56,000	8,555
Securities gains (losses)	$0	3,710
Applicable income taxes	$-1,000	8,659
Income before extraordinary items	$-55,000	8,583
Extraordinary gains, net	$0	26
Net income	$-55,000	8,586
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,000	2,219
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-55,000	8,555
2004-06-30 (YTD Data)		Rank
Total interest income	$1,580,000	6,300
Total interest expense	$502,000	5,640
Net interest income	$1,078,000	6,463
Provision for loan and lease losses	$187,000	2,320
Total noninterest income	$274,000	5,034
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$142,000	4,457
Trading account gains and fees	$0	130
Additional Noninterest Income	$132,000	4,565
Total noninterest expense	$1,234,000	5,337
Salaries and employee benefits	$663,000	5,373
Premises and equipment expense	$107,000	6,627
Additional noninterest expense	$464,000	4,578
Pre-tax net operating income	$-69,000	8,653
Securities gains (losses)	$0	3,413
Applicable income taxes	$-1,000	8,710
Income before extraordinary items	$-68,000	8,685
Extraordinary gains, net	$0	21
Net income	$-68,000	8,687
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	3,384
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-68,000	8,654
2004-03-31 (YTD Data)		Rank
Total interest income	$787,000	6,325
Total interest expense	$252,000	5,686
Net interest income	$535,000	6,502
Provision for loan and lease losses	$117,000	1,897
Total noninterest income	$127,000	5,178
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$67,000	4,509
Trading account gains and fees	$0	121
Additional Noninterest Income	$60,000	4,738
Total noninterest expense	$600,000	5,450
Salaries and employee benefits	$329,000	5,418
Premises and equipment expense	$52,000	6,694
Additional noninterest expense	$219,000	4,739
Pre-tax net operating income	$-55,000	8,735
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$-55,000	8,763
Extraordinary gains, net	$0	16
Net income	$-55,000	8,764
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	2,902
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-55,000	8,729
2003-12-31 (YTD Data)		Rank
Total interest income	$3,320,000	6,196
Total interest expense	$1,159,000	5,682
Net interest income	$2,161,000	6,356
Provision for loan and lease losses	$228,000	3,783
Total noninterest income	$582,000	5,043
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$293,000	4,352
Trading account gains and fees	$0	160
Additional Noninterest Income	$289,000	4,583
Total noninterest expense	$2,517,000	5,190
Salaries and employee benefits	$1,270,000	5,436
Premises and equipment expense	$267,000	6,000
Additional noninterest expense	$980,000	4,352
Pre-tax net operating income	$-2,000	8,541
Securities gains (losses)	$0	4,500
Applicable income taxes	$-38,000	8,847
Income before extraordinary items	$36,000	8,519
Extraordinary gains, net	$0	54
Net income	$36,000	8,522
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	3,114
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$557,000	478
Net operating income	$36,000	8,421
2003-09-30 (YTD Data)		Rank
Total interest income	$2,517,000	6,231
Total interest expense	$890,000	5,752
Net interest income	$1,627,000	6,394
Provision for loan and lease losses	$204,000	3,302
Total noninterest income	$425,000	5,152
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$204,000	4,566
Trading account gains and fees	$0	153
Additional Noninterest Income	$221,000	4,597
Total noninterest expense	$1,795,000	5,344
Salaries and employee benefits	$911,000	5,556
Premises and equipment expense	$181,000	6,279
Additional noninterest expense	$703,000	4,458
Pre-tax net operating income	$53,000	8,437
Securities gains (losses)	$0	4,204
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$52,000	8,511
Extraordinary gains, net	$0	40
Net income	$52,000	8,512
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,000	2,530
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$52,000	8,399
2003-06-30 (YTD Data)		Rank
Total interest income	$1,697,000	6,247
Total interest expense	$605,000	5,811
Net interest income	$1,092,000	6,381
Provision for loan and lease losses	$170,000	2,817
Total noninterest income	$267,000	5,289
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$132,000	4,608
Trading account gains and fees	$0	150
Additional Noninterest Income	$135,000	4,758
Total noninterest expense	$1,188,000	5,358
Salaries and employee benefits	$605,000	5,591
Premises and equipment expense	$128,000	6,096
Additional noninterest expense	$455,000	4,559
Pre-tax net operating income	$1,000	8,653
Securities gains (losses)	$0	3,782
Applicable income taxes	$-4,000	8,947
Income before extraordinary items	$5,000	8,736
Extraordinary gains, net	$0	30
Net income	$5,000	8,737
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	2,557
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$5,000	8,618
2003-03-31 (YTD Data)		Rank
Total interest income	$862,000	6,234
Total interest expense	$314,000	5,797
Net interest income	$548,000	6,363
Provision for loan and lease losses	$45,000	3,818
Total noninterest income	$118,000	5,493
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$65,000	4,539
Trading account gains and fees	$0	134
Additional Noninterest Income	$53,000	5,163
Total noninterest expense	$544,000	5,682
Salaries and employee benefits	$299,000	5,637
Premises and equipment expense	$85,000	5,226
Additional noninterest expense	$160,000	5,725
Pre-tax net operating income	$77,000	7,579
Securities gains (losses)	$0	2,891
Applicable income taxes	$30,000	5,719
Income before extraordinary items	$47,000	7,959
Extraordinary gains, net	$0	21
Net income	$47,000	7,958
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	3,019
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$47,000	7,808
2002-12-31 (YTD Data)		Rank
Total interest income	$3,758,000	6,107
Total interest expense	$1,412,000	5,909
Net interest income	$2,346,000	6,108
Provision for loan and lease losses	$458,000	2,542
Total noninterest income	$803,000	3,986
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$341,000	3,939
Trading account gains and fees	$0	153
Additional Noninterest Income	$462,000	3,432
Total noninterest expense	$2,274,000	5,426
Salaries and employee benefits	$1,262,000	5,294
Premises and equipment expense	$273,000	5,856
Additional noninterest expense	$739,000	5,215
Pre-tax net operating income	$417,000	7,088
Securities gains (losses)	$0	4,537
Applicable income taxes	$106,000	5,914
Income before extraordinary items	$311,000	7,267
Extraordinary gains, net	$0	70
Net income	$311,000	7,266
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	3,980
Cash dividends	$48,000	6,009
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$311,000	7,160
2001-12-31 (YTD Data)		Rank
Total interest income	$3,769,000	6,526
Total interest expense	$1,734,000	6,539
Net interest income	$2,035,000	6,383
Provision for loan and lease losses	$115,000	5,373
Total noninterest income	$661,000	4,334
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$323,000	3,982
Trading account gains and fees	$0	177
Additional Noninterest Income	$338,000	3,874
Total noninterest expense	$1,976,000	5,777
Salaries and employee benefits	$1,141,000	5,507
Premises and equipment expense	$260,000	5,966
Additional noninterest expense	$575,000	6,000
Pre-tax net operating income	$605,000	6,153
Securities gains (losses)	$0	4,612
Applicable income taxes	$214,000	4,905
Income before extraordinary items	$391,000	6,628
Extraordinary gains, net	$0	105
Net income	$391,000	6,632
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	4,726
Cash dividends	$96,000	5,810
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$391,000	6,496
2000-12-31 (YTD Data)		Rank
Total interest income	$2,999,000	7,415
Total interest expense	$1,449,000	7,259
Net interest income	$1,550,000	7,379
Provision for loan and lease losses	$85,000	5,634
Total noninterest income	$471,000	5,071
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$254,000	4,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$217,000	4,604
Total noninterest expense	$1,561,000	6,580
Salaries and employee benefits	$840,000	6,549
Premises and equipment expense	$241,000	6,174
Additional noninterest expense	$480,000	6,578
Pre-tax net operating income	$375,000	7,577
Securities gains (losses)	$0	1,956
Applicable income taxes	$121,000	6,270
Income before extraordinary items	$254,000	7,749
Extraordinary gains, net	$0	38
Net income	$254,000	7,749
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	4,647
Cash dividends	$96,000	6,018
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$254,000	7,749
1999-12-31 (YTD Data)		Rank
Total interest income	$2,750,000	7,651
Total interest expense	$1,125,000	7,844
Net interest income	$1,625,000	7,343
Provision for loan and lease losses	$110,000	5,020
Total noninterest income	$731,000	3,862
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$204,000	5,069
Trading account gains and fees	NA	NA
Additional Noninterest Income	$527,000	2,862
Total noninterest expense	$1,853,000	5,975
Salaries and employee benefits	$831,000	6,611
Premises and equipment expense	$239,000	6,199
Additional noninterest expense	$783,000	4,872
Pre-tax net operating income	$393,000	7,631
Securities gains (losses)	$0	3,155
Applicable income taxes	$127,000	6,556
Income before extraordinary items	$266,000	7,822
Extraordinary gains, net	$0	35
Net income	$266,000	7,821
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$116,000	3,314
Cash dividends	$73,000	6,391
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$266,000	7,797
1998-12-31 (YTD Data)		Rank
Total interest income	$2,282,000	8,335
Total interest expense	$1,037,000	8,322
Net interest income	$1,245,000	8,224
Provision for loan and lease losses	$52,000	6,526
Total noninterest income	$304,000	6,437
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$180,000	5,433
Trading account gains and fees	NA	NA
Additional Noninterest Income	$124,000	6,121
Total noninterest expense	$1,173,000	7,615
Salaries and employee benefits	$613,000	7,683
Premises and equipment expense	$169,000	7,251
Additional noninterest expense	$391,000	7,289
Pre-tax net operating income	$324,000	8,258
Securities gains (losses)	$0	4,449
Applicable income taxes	$91,000	7,671
Income before extraordinary items	$233,000	8,365
Extraordinary gains, net	$0	32
Net income	$233,000	8,364
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,101
Cash dividends	$72,000	6,616
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$233,000	8,294
1997-12-31 (YTD Data)		Rank
Total interest income	$1,713,000	9,408
Total interest expense	$780,000	9,316
Net interest income	$933,000	9,351
Provision for loan and lease losses	$24,000	7,686
Total noninterest income	$172,000	8,260
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$146,000	6,234
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	9,525
Total noninterest expense	$756,000	9,203
Salaries and employee benefits	$360,000	9,529
Premises and equipment expense	$130,000	8,242
Additional noninterest expense	$266,000	8,670
Pre-tax net operating income	$325,000	8,851
Securities gains (losses)	$0	3,944
Applicable income taxes	$84,000	8,688
Income before extraordinary items	$241,000	8,821
Extraordinary gains, net	$0	44
Net income	$241,000	8,826
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,353
Cash dividends	$73,000	6,891
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$241,000	8,785
1996-12-31 (YTD Data)		Rank
Total interest income	$1,351,000	10,315
Total interest expense	$644,000	10,135
Net interest income	$707,000	10,369
Provision for loan and lease losses	$0	9,041
Total noninterest income	$121,000	9,511
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$99,000	7,516
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	10,300
Total noninterest expense	$588,000	10,208
Salaries and employee benefits	$297,000	10,370
Premises and equipment expense	$75,000	9,952
Additional noninterest expense	$216,000	9,752
Pre-tax net operating income	$240,000	9,548
Securities gains (losses)	$0	4,148
Applicable income taxes	$67,000	9,377
Income before extraordinary items	$173,000	9,558
Extraordinary gains, net	$0	53
Net income	$173,000	9,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,500
Cash dividends	$61,000	7,334
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$173,000	9,501
1995-12-31 (YTD Data)		Rank
Total interest income	$1,237,000	10,932
Total interest expense	$589,000	10,706
Net interest income	$648,000	10,981
Provision for loan and lease losses	$0	8,958
Total noninterest income	$121,000	9,841
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$103,000	7,717
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	11,008
Total noninterest expense	$513,000	10,966
Salaries and employee benefits	$255,000	11,117
Premises and equipment expense	$125,000	8,917
Additional noninterest expense	$133,000	11,278
Pre-tax net operating income	$256,000	10,070
Securities gains (losses)	$0	3,831
Applicable income taxes	$60,000	9,978
Income before extraordinary items	$196,000	9,972
Extraordinary gains, net	$0	65
Net income	$196,000	9,977
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,657
Cash dividends	$61,000	7,542
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$196,000	9,943
1994-12-31 (YTD Data)		Rank
Total interest income	$1,041,000	11,642
Total interest expense	$481,000	11,178
Net interest income	$560,000	11,830
Provision for loan and lease losses	$0	9,146
Total noninterest income	$97,000	10,821
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	8,747
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	11,499
Total noninterest expense	$508,000	11,576
Salaries and employee benefits	$240,000	11,755
Premises and equipment expense	$111,000	9,669
Additional noninterest expense	$157,000	11,703
Pre-tax net operating income	$149,000	11,274
Securities gains (losses)	$0	3,600
Applicable income taxes	$36,000	10,781
Income before extraordinary items	$113,000	11,240
Extraordinary gains, net	$0	249
Net income	$113,000	11,247
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,198
Cash dividends	$61,000	7,681
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$113,000	11,283
1993-12-31 (YTD Data)		Rank
Total interest income	$1,071,000	12,134
Total interest expense	$494,000	11,707
Net interest income	$577,000	12,303
Provision for loan and lease losses	$18,000	9,198
Total noninterest income	$99,000	11,344
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	9,074
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	11,957
Total noninterest expense	$478,000	12,273
Salaries and employee benefits	$223,000	12,426
Premises and equipment expense	$92,000	10,712
Additional noninterest expense	$163,000	12,242
Pre-tax net operating income	$180,000	11,215
Securities gains (losses)	$52,000	3,344
Applicable income taxes	$43,000	11,097
Income before extraordinary items	$189,000	10,775
Extraordinary gains, net	$0	3,149
Net income	$189,000	10,876
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	9,413
Cash dividends	$88,000	7,174
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$146,880	11,038
1992-12-31 (YTD Data)		Rank
Total interest income	$1,229,000	12,535
Total interest expense	$615,000	12,230
Net interest income	$614,000	12,662
Provision for loan and lease losses	$24,000	10,335
Total noninterest income	$99,000	11,759
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$70,000	9,546
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	11,840
Total noninterest expense	$447,000	12,914
Salaries and employee benefits	$212,000	13,023
Premises and equipment expense	$90,000	11,109
Additional noninterest expense	$145,000	13,029
Pre-tax net operating income	$242,000	10,686
Securities gains (losses)	$0	8,369
Applicable income taxes	$59,000	11,011
Income before extraordinary items	$183,000	10,829
Extraordinary gains, net	$0	1,422
Net income	$183,000	10,934
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	12,832
Cash dividends	$61,000	7,399
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$183,000	10,494

* 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.