Home > State Bank of Lincoln > Income and Expense

State Bank of Lincoln, Income and Expense

2020-09-30 (YTD Data)		Rank
Total interest income	$8,450,000	2,354
Total interest expense	$526,000	3,533
Net interest income	$7,924,000	2,159
Provision for loan and lease losses	$875,000	1,475
Total noninterest income	$2,804,000	1,489
Gross Fiduciary activities income	$284,000	598
Service charges on deposit accounts	$475,000	1,336
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,045,000	1,468
Total noninterest expense	$7,165,000	2,000
Salaries and employee benefits	$3,644,000	2,173
Premises and equipment expense	$584,000	2,366
Additional noninterest expense	$2,937,000	1,540
Pre-tax net operating income	$2,688,000	2,194
Securities gains (losses)	$0	2,494
Applicable income taxes	$608,000	1,591
Income before extraordinary items	$2,080,000	2,396
Extraordinary gains, net	$0	4
Net income	$2,080,000	2,396
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,080,000	2,396
Net charge-offs	$109,000	1,616
Cash dividends	$1,700,000	1,246
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,080,000	2,348
2020-06-30 (YTD Data)		Rank
Total interest income	$5,816,000	2,337
Total interest expense	$411,000	3,428
Net interest income	$5,405,000	2,129
Provision for loan and lease losses	$413,000	1,772
Total noninterest income	$1,407,000	1,678
Gross Fiduciary activities income	$201,000	597
Service charges on deposit accounts	$313,000	1,361
Trading account gains and fees	NA	NA
Additional Noninterest Income	$893,000	1,779
Total noninterest expense	$4,794,000	1,988
Salaries and employee benefits	$2,452,000	2,162
Premises and equipment expense	$408,000	2,305
Additional noninterest expense	$1,934,000	1,551
Pre-tax net operating income	$1,605,000	2,303
Securities gains (losses)	$0	2,249
Applicable income taxes	$350,000	1,631
Income before extraordinary items	$1,255,000	2,490
Extraordinary gains, net	$0	4
Net income	$1,255,000	2,489
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,255,000	2,490
Net charge-offs	$32,000	1,957
Cash dividends	$1,000,000	1,313
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,255,000	2,456
2020-03-31 (YTD Data)		Rank
Total interest income	$2,966,000	2,289
Total interest expense	$240,000	3,330
Net interest income	$2,726,000	2,076
Provision for loan and lease losses	$474,000	925
Total noninterest income	$223,000	2,893
Gross Fiduciary activities income	$79,000	629
Service charges on deposit accounts	$194,000	1,322
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-50,000	5,083
Total noninterest expense	$2,351,000	2,037
Salaries and employee benefits	$1,213,000	2,189
Premises and equipment expense	$238,000	2,111
Additional noninterest expense	$900,000	1,656
Pre-tax net operating income	$124,000	4,155
Securities gains (losses)	$0	1,705
Applicable income taxes	$-17,000	4,879
Income before extraordinary items	$141,000	3,998
Extraordinary gains, net	$0	4
Net income	$141,000	3,999
Minority interest net income	$0	56
Net income of bank and minority interests.	$141,000	3,999
Net charge-offs	$34,000	1,369
Cash dividends	$500,000	1,256
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$141,000	3,981
2019-12-31 (YTD Data)		Rank
Total interest income	$13,316,000	2,114
Total interest expense	$1,533,000	2,716
Net interest income	$11,783,000	1,950
Provision for loan and lease losses	$420,000	1,642
Total noninterest income	$4,503,000	1,202
Gross Fiduciary activities income	$380,000	610
Service charges on deposit accounts	$795,000	1,344
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,328,000	1,119
Total noninterest expense	$9,981,000	1,931
Salaries and employee benefits	$4,924,000	2,123
Premises and equipment expense	$903,000	2,180
Additional noninterest expense	$4,154,000	1,458
Pre-tax net operating income	$5,885,000	1,559
Securities gains (losses)	$23,000	1,586
Applicable income taxes	$1,268,000	1,237
Income before extraordinary items	$4,640,000	1,694
Extraordinary gains, net	$0	11
Net income	$4,640,000	1,696
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,640,000	1,697
Net charge-offs	$-224,000	5,002
Cash dividends	$8,500,000	535
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,621,830	1,674
2019-09-30 (YTD Data)		Rank
Total interest income	$10,228,000	2,109
Total interest expense	$1,221,000	2,673
Net interest income	$9,007,000	1,949
Provision for loan and lease losses	$455,000	1,235
Total noninterest income	$3,029,000	1,291
Gross Fiduciary activities income	$288,000	609
Service charges on deposit accounts	$595,000	1,355
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,146,000	1,231
Total noninterest expense	$7,495,000	1,934
Salaries and employee benefits	$3,678,000	2,145
Premises and equipment expense	$698,000	2,145
Additional noninterest expense	$3,119,000	1,465
Pre-tax net operating income	$4,086,000	1,699
Securities gains (losses)	$21,000	1,403
Applicable income taxes	$58,000	3,197
Income before extraordinary items	$4,049,000	1,534
Extraordinary gains, net	$0	11
Net income	$4,049,000	1,535
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,049,000	1,536
Net charge-offs	$-238,000	5,096
Cash dividends	$6,000,000	529
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$4,028,210	1,508
2019-06-30 (YTD Data)		Rank
Total interest income	$7,025,000	2,044
Total interest expense	$853,000	2,579
Net interest income	$6,172,000	1,911
Provision for loan and lease losses	$-418,000	5,241
Total noninterest income	$1,957,000	1,296
Gross Fiduciary activities income	$171,000	627
Service charges on deposit accounts	$381,000	1,386
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,405,000	1,217
Total noninterest expense	$4,967,000	1,945
Salaries and employee benefits	$2,358,000	2,213
Premises and equipment expense	$484,000	2,106
Additional noninterest expense	$2,125,000	1,453
Pre-tax net operating income	$3,580,000	1,349
Securities gains (losses)	$10,000	1,220
Applicable income taxes	$39,000	3,204
Income before extraordinary items	$3,551,000	1,224
Extraordinary gains, net	$0	11
Net income	$3,551,000	1,224
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,551,000	1,224
Net charge-offs	$-365,000	5,227
Cash dividends	$4,000,000	522
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$3,541,100	1,201
2019-03-31 (YTD Data)		Rank
Total interest income	$3,233,000	2,176
Total interest expense	$439,000	2,489
Net interest income	$2,794,000	2,070
Provision for loan and lease losses	$156,000	1,116
Total noninterest income	$771,000	1,460
Gross Fiduciary activities income	$85,000	641
Service charges on deposit accounts	$203,000	1,307
Trading account gains and fees	NA	NA
Additional Noninterest Income	$483,000	1,483
Total noninterest expense	$2,585,000	1,888
Salaries and employee benefits	$1,194,000	2,217
Premises and equipment expense	$299,000	1,842
Additional noninterest expense	$1,092,000	1,414
Pre-tax net operating income	$824,000	2,328
Securities gains (losses)	$12,000	677
Applicable income taxes	$19,000	3,179
Income before extraordinary items	$817,000	2,167
Extraordinary gains, net	$0	5
Net income	$817,000	2,166
Minority interest net income	$0	52
Net income of bank and minority interests.	$817,000	2,166
Net charge-offs	$45,000	1,268
Cash dividends	$2,000,000	496
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$805,240	2,171
2018-12-31 (YTD Data)		Rank
Total interest income	$11,958,000	2,212
Total interest expense	$1,120,000	2,758
Net interest income	$10,838,000	2,107
Provision for loan and lease losses	$348,000	1,823
Total noninterest income	$5,238,000	1,062
Gross Fiduciary activities income	$382,000	630
Service charges on deposit accounts	$930,000	1,228
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,926,000	931
Total noninterest expense	$10,225,000	1,874
Salaries and employee benefits	$4,848,000	2,148
Premises and equipment expense	$1,034,000	2,000
Additional noninterest expense	$4,343,000	1,399
Pre-tax net operating income	$5,503,000	1,660
Securities gains (losses)	$-564,000	5,267
Applicable income taxes	$21,000	3,624
Income before extraordinary items	$4,918,000	1,608
Extraordinary gains, net	$0	6
Net income	$4,918,000	1,607
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,918,000	1,607
Net charge-offs	$431,000	1,048
Cash dividends	$4,946,000	756
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$5,482,000	1,458
2018-09-30 (YTD Data)		Rank
Total interest income	$8,893,000	2,211
Total interest expense	$748,000	2,861
Net interest income	$8,145,000	2,106
Provision for loan and lease losses	$0	3,948
Total noninterest income	$3,642,000	1,117
Gross Fiduciary activities income	$242,000	646
Service charges on deposit accounts	$688,000	1,250
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,712,000	1,005
Total noninterest expense	$7,696,000	1,855
Salaries and employee benefits	$3,592,000	2,166
Premises and equipment expense	$777,000	2,008
Additional noninterest expense	$3,327,000	1,379
Pre-tax net operating income	$4,091,000	1,664
Securities gains (losses)	$-12,000	4,815
Applicable income taxes	$21,000	3,624
Income before extraordinary items	$4,058,000	1,490
Extraordinary gains, net	$0	5
Net income	$4,058,000	1,488
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,058,000	1,489
Net charge-offs	$179,000	1,326
Cash dividends	$2,546,000	889
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$4,069,880	1,471
2018-06-30 (YTD Data)		Rank
Total interest income	$5,864,000	2,221
Total interest expense	$439,000	2,991
Net interest income	$5,425,000	2,107
Provision for loan and lease losses	$0	3,782
Total noninterest income	$2,389,000	1,134
Gross Fiduciary activities income	$162,000	647
Service charges on deposit accounts	$436,000	1,292
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,791,000	1,020
Total noninterest expense	$5,111,000	1,882
Salaries and employee benefits	$2,418,000	2,154
Premises and equipment expense	$511,000	2,040
Additional noninterest expense	$2,182,000	1,406
Pre-tax net operating income	$2,703,000	1,646
Securities gains (losses)	$-12,000	5,029
Applicable income taxes	$21,000	3,493
Income before extraordinary items	$2,670,000	1,484
Extraordinary gains, net	$0	6
Net income	$2,670,000	1,483
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,670,000	1,483
Net charge-offs	$97,000	1,328
Cash dividends	$1,684,000	879
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,681,880	1,465
2018-03-31 (YTD Data)		Rank
Total interest income	$2,840,000	2,266
Total interest expense	$146,000	3,570
Net interest income	$2,694,000	2,121
Provision for loan and lease losses	$0	3,508
Total noninterest income	$1,201,000	1,118
Gross Fiduciary activities income	$81,000	648
Service charges on deposit accounts	$210,000	1,335
Trading account gains and fees	NA	NA
Additional Noninterest Income	$910,000	987
Total noninterest expense	$2,520,000	1,920
Salaries and employee benefits	$1,182,000	2,224
Premises and equipment expense	$259,000	2,064
Additional noninterest expense	$1,079,000	1,406
Pre-tax net operating income	$1,375,000	1,593
Securities gains (losses)	$0	735
Applicable income taxes	$21,000	3,217
Income before extraordinary items	$1,354,000	1,442
Extraordinary gains, net	$0	7
Net income	$1,354,000	1,442
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,354,000	1,442
Net charge-offs	$62,000	1,077
Cash dividends	$803,000	843
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,354,000	1,430
2017-12-31 (YTD Data)		Rank
Total interest income	$10,473,000	2,354
Total interest expense	$589,000	3,416
Net interest income	$9,884,000	2,251
Provision for loan and lease losses	$180,000	2,471
Total noninterest income	$6,180,000	952
Gross Fiduciary activities income	$310,000	659
Service charges on deposit accounts	$910,000	1,273
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,960,000	822
Total noninterest expense	$10,547,000	1,830
Salaries and employee benefits	$4,931,000	2,106
Premises and equipment expense	$1,059,000	2,022
Additional noninterest expense	$4,557,000	1,342
Pre-tax net operating income	$5,337,000	1,624
Securities gains (losses)	$-354,000	5,560
Applicable income taxes	$83,000	3,366
Income before extraordinary items	$4,900,000	1,366
Extraordinary gains, net	$0	9
Net income	$4,900,000	1,364
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,900,000	1,366
Net charge-offs	$660,000	917
Cash dividends	$3,327,000	951
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$5,246,920	1,288
2017-09-30 (YTD Data)		Rank
Total interest income	$7,793,000	2,369
Total interest expense	$442,000	3,422
Net interest income	$7,351,000	2,271
Provision for loan and lease losses	$180,000	2,116
Total noninterest income	$4,818,000	946
Gross Fiduciary activities income	$222,000	669
Service charges on deposit accounts	$664,000	1,319
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,932,000	803
Total noninterest expense	$8,052,000	1,801
Salaries and employee benefits	$3,618,000	2,145
Premises and equipment expense	$821,000	1,987
Additional noninterest expense	$3,613,000	1,279
Pre-tax net operating income	$3,937,000	1,665
Securities gains (losses)	$-10,000	5,399
Applicable income taxes	$62,000	3,381
Income before extraordinary items	$3,865,000	1,416
Extraordinary gains, net	$0	9
Net income	$3,865,000	1,414
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,865,000	1,416
Net charge-offs	$1,000	3,697
Cash dividends	$2,839,000	806
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,874,800	1,389
2017-06-30 (YTD Data)		Rank
Total interest income	$5,100,000	2,390
Total interest expense	$293,000	3,401
Net interest income	$4,807,000	2,291
Provision for loan and lease losses	$120,000	2,050
Total noninterest income	$3,260,000	937
Gross Fiduciary activities income	$148,000	675
Service charges on deposit accounts	$425,000	1,348
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,687,000	792
Total noninterest expense	$5,337,000	1,804
Salaries and employee benefits	$2,390,000	2,176
Premises and equipment expense	$541,000	1,998
Additional noninterest expense	$2,406,000	1,277
Pre-tax net operating income	$2,610,000	1,639
Securities gains (losses)	$0	1,906
Applicable income taxes	$41,000	3,390
Income before extraordinary items	$2,569,000	1,400
Extraordinary gains, net	$0	11
Net income	$2,569,000	1,400
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,569,000	1,401
Net charge-offs	$15,000	2,739
Cash dividends	$1,798,000	836
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,569,000	1,382
2017-03-31 (YTD Data)		Rank
Total interest income	$2,476,000	2,444
Total interest expense	$146,000	3,390
Net interest income	$2,330,000	2,345
Provision for loan and lease losses	$60,000	1,878
Total noninterest income	$1,628,000	929
Gross Fiduciary activities income	$74,000	677
Service charges on deposit accounts	$205,000	1,388
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,349,000	774
Total noninterest expense	$2,686,000	1,808
Salaries and employee benefits	$1,190,000	2,218
Premises and equipment expense	$290,000	1,935
Additional noninterest expense	$1,206,000	1,280
Pre-tax net operating income	$1,212,000	1,707
Securities gains (losses)	$0	1,153
Applicable income taxes	$20,000	3,357
Income before extraordinary items	$1,192,000	1,474
Extraordinary gains, net	$0	8
Net income	$1,192,000	1,474
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,192,000	1,474
Net charge-offs	$-7,000	4,847
Cash dividends	$883,000	814
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,192,000	1,459
2016-12-31 (YTD Data)		Rank
Total interest income	$9,869,000	2,424
Total interest expense	$587,000	3,363
Net interest income	$9,282,000	2,326
Provision for loan and lease losses	$240,000	2,221
Total noninterest income	$8,745,000	760
Gross Fiduciary activities income	$1,001,000	458
Service charges on deposit accounts	$956,000	1,255
Trading account gains and fees	$0	170
Additional Noninterest Income	$6,788,000	679
Total noninterest expense	$11,407,000	1,696
Salaries and employee benefits	$4,722,000	2,188
Premises and equipment expense	$986,000	2,170
Additional noninterest expense	$5,699,000	1,140
Pre-tax net operating income	$6,380,000	1,329
Securities gains (losses)	$19,000	2,394
Applicable income taxes	$133,000	3,165
Income before extraordinary items	$6,266,000	1,153
Extraordinary gains, net	$0	5
Net income	$6,266,000	1,152
Minority interest net income	$0	82
Net income of bank and minority interests.	$6,266,000	1,152
Net charge-offs	$41,000	3,276
Cash dividends	$3,931,000	831
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$6,247,380	1,128
2016-09-30 (YTD Data)		Rank
Total interest income	$7,414,000	2,420
Total interest expense	$439,000	3,384
Net interest income	$6,975,000	2,323
Provision for loan and lease losses	$180,000	2,135
Total noninterest income	$6,683,000	757
Gross Fiduciary activities income	$712,000	465
Service charges on deposit accounts	$728,000	1,237
Trading account gains and fees	$0	169
Additional Noninterest Income	$5,243,000	659
Total noninterest expense	$8,383,000	1,722
Salaries and employee benefits	$3,495,000	2,201
Premises and equipment expense	$719,000	2,215
Additional noninterest expense	$4,169,000	1,171
Pre-tax net operating income	$5,095,000	1,305
Securities gains (losses)	$18,000	2,362
Applicable income taxes	$100,000	3,224
Income before extraordinary items	$5,013,000	1,115
Extraordinary gains, net	$0	5
Net income	$5,013,000	1,115
Minority interest net income	$0	71
Net income of bank and minority interests.	$5,013,000	1,115
Net charge-offs	$24,000	3,043
Cash dividends	$3,063,000	739
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$4,995,360	1,090
2016-06-30 (YTD Data)		Rank
Total interest income	$4,920,000	2,430
Total interest expense	$290,000	3,412
Net interest income	$4,630,000	2,336
Provision for loan and lease losses	$120,000	2,108
Total noninterest income	$4,386,000	759
Gross Fiduciary activities income	$475,000	467
Service charges on deposit accounts	$464,000	1,267
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,447,000	664
Total noninterest expense	$5,340,000	1,793
Salaries and employee benefits	$2,326,000	2,221
Premises and equipment expense	$458,000	2,291
Additional noninterest expense	$2,556,000	1,242
Pre-tax net operating income	$3,556,000	1,225
Securities gains (losses)	$18,000	1,997
Applicable income taxes	$67,000	3,229
Income before extraordinary items	$3,507,000	1,047
Extraordinary gains, net	$0	16
Net income	$3,507,000	1,045
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,507,000	1,046
Net charge-offs	$-13,000	5,063
Cash dividends	$2,041,000	739
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$3,489,360	1,033
2016-03-31 (YTD Data)		Rank
Total interest income	$2,476,000	2,422
Total interest expense	$146,000	3,430
Net interest income	$2,330,000	2,322
Provision for loan and lease losses	$60,000	1,948
Total noninterest income	$1,778,000	860
Gross Fiduciary activities income	$238,000	465
Service charges on deposit accounts	$224,000	1,304
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,316,000	775
Total noninterest expense	$2,590,000	1,855
Salaries and employee benefits	$1,153,000	2,242
Premises and equipment expense	$205,000	2,499
Additional noninterest expense	$1,232,000	1,278
Pre-tax net operating income	$1,458,000	1,426
Securities gains (losses)	$0	2,077
Applicable income taxes	$33,000	3,223
Income before extraordinary items	$1,425,000	1,229
Extraordinary gains, net	$0	12
Net income	$1,425,000	1,229
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,425,000	1,230
Net charge-offs	$-18,000	5,431
Cash dividends	$980,000	768
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,425,000	1,196
2015-12-31 (YTD Data)		Rank
Total interest income	$9,520,000	2,466
Total interest expense	$618,000	3,330
Net interest income	$8,902,000	2,367
Provision for loan and lease losses	$240,000	2,131
Total noninterest income	$9,382,000	714
Gross Fiduciary activities income	$471,000	613
Service charges on deposit accounts	$974,000	1,255
Trading account gains and fees	$0	159
Additional Noninterest Income	$7,937,000	592
Total noninterest expense	$11,243,000	1,693
Salaries and employee benefits	$4,540,000	2,231
Premises and equipment expense	$1,030,000	2,127
Additional noninterest expense	$5,673,000	1,142
Pre-tax net operating income	$6,801,000	1,231
Securities gains (losses)	$0	3,216
Applicable income taxes	$147,000	3,126
Income before extraordinary items	$6,654,000	1,067
Extraordinary gains, net	$0	23
Net income	$6,654,000	1,066
Minority interest net income	$0	81
Net income of bank and minority interests.	$6,654,000	1,067
Net charge-offs	$94,000	2,711
Cash dividends	$4,348,000	739
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$6,654,000	1,041
2015-09-30 (YTD Data)		Rank
Total interest income	$7,078,000	2,501
Total interest expense	$469,000	3,343
Net interest income	$6,609,000	2,401
Provision for loan and lease losses	$180,000	2,044
Total noninterest income	$7,442,000	696
Gross Fiduciary activities income	$706,000	470
Service charges on deposit accounts	$722,000	1,277
Trading account gains and fees	$0	153
Additional Noninterest Income	$6,014,000	596
Total noninterest expense	$8,257,000	1,730
Salaries and employee benefits	$3,325,000	2,285
Premises and equipment expense	$742,000	2,221
Additional noninterest expense	$4,190,000	1,158
Pre-tax net operating income	$5,614,000	1,151
Securities gains (losses)	$0	3,031
Applicable income taxes	$87,000	3,347
Income before extraordinary items	$5,527,000	966
Extraordinary gains, net	$0	21
Net income	$5,527,000	966
Minority interest net income	$0	78
Net income of bank and minority interests.	$5,527,000	966
Net charge-offs	$24,000	3,264
Cash dividends	$2,693,000	784
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$5,527,000	939
2015-06-30 (YTD Data)		Rank
Total interest income	$4,667,000	2,530
Total interest expense	$315,000	3,354
Net interest income	$4,352,000	2,428
Provision for loan and lease losses	$120,000	2,009
Total noninterest income	$5,541,000	643
Gross Fiduciary activities income	$205,000	656
Service charges on deposit accounts	$468,000	1,281
Trading account gains and fees	$0	157
Additional Noninterest Income	$4,868,000	524
Total noninterest expense	$5,423,000	1,766
Salaries and employee benefits	$2,219,000	2,290
Premises and equipment expense	$472,000	2,313
Additional noninterest expense	$2,732,000	1,175
Pre-tax net operating income	$4,350,000	1,016
Securities gains (losses)	$0	2,636
Applicable income taxes	$27,000	3,734
Income before extraordinary items	$4,323,000	837
Extraordinary gains, net	$0	22
Net income	$4,323,000	837
Minority interest net income	$0	75
Net income of bank and minority interests.	$4,323,000	837
Net charge-offs	$18,000	3,008
Cash dividends	$1,723,000	806
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$4,323,000	813
2015-03-31 (YTD Data)		Rank
Total interest income	$2,393,000	2,479
Total interest expense	$160,000	3,352
Net interest income	$2,233,000	2,382
Provision for loan and lease losses	$60,000	1,893
Total noninterest income	$1,473,000	979
Gross Fiduciary activities income	$103,000	645
Service charges on deposit accounts	$224,000	1,307
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,146,000	835
Total noninterest expense	$2,584,000	1,840
Salaries and employee benefits	$1,104,000	2,316
Premises and equipment expense	$236,000	2,340
Additional noninterest expense	$1,244,000	1,264
Pre-tax net operating income	$1,062,000	1,760
Securities gains (losses)	$0	2,027
Applicable income taxes	$14,000	3,696
Income before extraordinary items	$1,048,000	1,529
Extraordinary gains, net	$0	13
Net income	$1,048,000	1,530
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,048,000	1,531
Net charge-offs	$15,000	2,292
Cash dividends	$841,000	778
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,048,000	1,478
2014-12-31 (YTD Data)		Rank
Total interest income	$10,020,000	2,395
Total interest expense	$732,000	3,211
Net interest income	$9,288,000	2,287
Provision for loan and lease losses	$240,000	2,251
Total noninterest income	$8,639,000	717
Gross Fiduciary activities income	$519,000	601
Service charges on deposit accounts	$1,065,000	1,222
Trading account gains and fees	$0	180
Additional Noninterest Income	$7,055,000	590
Total noninterest expense	$11,913,000	1,609
Salaries and employee benefits	$4,634,000	2,192
Premises and equipment expense	$1,008,000	2,225
Additional noninterest expense	$6,271,000	1,057
Pre-tax net operating income	$5,774,000	1,356
Securities gains (losses)	$29,000	2,098
Applicable income taxes	$65,000	3,606
Income before extraordinary items	$5,738,000	1,149
Extraordinary gains, net	$0	17
Net income	$5,738,000	1,147
Minority interest net income	$0	84
Net income of bank and minority interests.	$5,738,000	1,148
Net charge-offs	$-216,000	6,263
Cash dividends	$3,603,000	792
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$5,709,290	1,125
2014-09-30 (YTD Data)		Rank
Total interest income	$7,573,000	2,390
Total interest expense	$563,000	3,219
Net interest income	$7,010,000	2,283
Provision for loan and lease losses	$180,000	2,177
Total noninterest income	$6,511,000	711
Gross Fiduciary activities income	$297,000	651
Service charges on deposit accounts	$783,000	1,252
Trading account gains and fees	$0	174
Additional Noninterest Income	$5,431,000	584
Total noninterest expense	$8,776,000	1,644
Salaries and employee benefits	$3,433,000	2,226
Premises and equipment expense	$755,000	2,249
Additional noninterest expense	$4,588,000	1,077
Pre-tax net operating income	$4,565,000	1,304
Securities gains (losses)	$27,000	1,839
Applicable income taxes	$48,000	3,677
Income before extraordinary items	$4,544,000	1,099
Extraordinary gains, net	$0	15
Net income	$4,544,000	1,098
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,544,000	1,098
Net charge-offs	$-242,000	6,376
Cash dividends	$2,862,000	702
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$4,517,270	1,076
2014-06-30 (YTD Data)		Rank
Total interest income	$5,001,000	2,405
Total interest expense	$384,000	3,207
Net interest income	$4,617,000	2,298
Provision for loan and lease losses	$120,000	2,134
Total noninterest income	$4,151,000	730
Gross Fiduciary activities income	$198,000	656
Service charges on deposit accounts	$494,000	1,289
Trading account gains and fees	$0	172
Additional Noninterest Income	$3,459,000	590
Total noninterest expense	$5,606,000	1,695
Salaries and employee benefits	$2,260,000	2,252
Premises and equipment expense	$523,000	2,187
Additional noninterest expense	$2,823,000	1,152
Pre-tax net operating income	$3,042,000	1,275
Securities gains (losses)	$26,000	1,520
Applicable income taxes	$32,000	3,667
Income before extraordinary items	$3,036,000	1,058
Extraordinary gains, net	$0	20
Net income	$3,036,000	1,058
Minority interest net income	$0	80
Net income of bank and minority interests.	$3,036,000	1,059
Net charge-offs	$-240,000	6,482
Cash dividends	$1,852,000	700
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$3,010,260	1,049
2014-03-31 (YTD Data)		Rank
Total interest income	$2,618,000	2,305
Total interest expense	$198,000	3,202
Net interest income	$2,420,000	2,184
Provision for loan and lease losses	$60,000	2,013
Total noninterest income	$2,073,000	709
Gross Fiduciary activities income	$99,000	655
Service charges on deposit accounts	$228,000	1,376
Trading account gains and fees	$0	147
Additional Noninterest Income	$1,746,000	562
Total noninterest expense	$2,716,000	1,753
Salaries and employee benefits	$1,126,000	2,267
Premises and equipment expense	$261,000	2,224
Additional noninterest expense	$1,329,000	1,206
Pre-tax net operating income	$1,717,000	1,115
Securities gains (losses)	$0	1,715
Applicable income taxes	$16,000	3,623
Income before extraordinary items	$1,701,000	924
Extraordinary gains, net	$0	16
Net income	$1,701,000	925
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,701,000	925
Net charge-offs	$-34,000	6,203
Cash dividends	$333,000	1,363
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,701,000	900
2013-12-31 (YTD Data)		Rank
Total interest income	$10,058,000	2,411
Total interest expense	$1,042,000	2,854
Net interest income	$9,016,000	2,340
Provision for loan and lease losses	$240,000	2,739
Total noninterest income	$10,452,000	647
Gross Fiduciary activities income	$409,000	645
Service charges on deposit accounts	$1,023,000	1,329
Trading account gains and fees	$0	184
Additional Noninterest Income	$9,020,000	511
Total noninterest expense	$15,242,000	1,308
Salaries and employee benefits	$4,577,000	2,224
Premises and equipment expense	$1,032,000	2,192
Additional noninterest expense	$9,633,000	727
Pre-tax net operating income	$3,986,000	1,732
Securities gains (losses)	$-2,085,000	6,772
Applicable income taxes	$67,000	3,634
Income before extraordinary items	$1,834,000	2,777
Extraordinary gains, net	$0	29
Net income	$1,834,000	2,779
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,834,000	2,780
Net charge-offs	$1,094,000	1,182
Cash dividends	$2,190,000	1,129
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$3,835,600	1,520
2013-09-30 (YTD Data)		Rank
Total interest income	$7,637,000	2,397
Total interest expense	$828,000	2,817
Net interest income	$6,809,000	2,319
Provision for loan and lease losses	$180,000	2,702
Total noninterest income	$8,698,000	614
Gross Fiduciary activities income	$314,000	641
Service charges on deposit accounts	$753,000	1,360
Trading account gains and fees	$0	180
Additional Noninterest Income	$7,631,000	487
Total noninterest expense	$10,424,000	1,420
Salaries and employee benefits	$3,590,000	2,132
Premises and equipment expense	$827,000	2,080
Additional noninterest expense	$6,007,000	847
Pre-tax net operating income	$4,903,000	1,159
Securities gains (losses)	$-1,812,000	6,866
Applicable income taxes	$82,000	3,427
Income before extraordinary items	$3,009,000	1,497
Extraordinary gains, net	$0	25
Net income	$3,009,000	1,499
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,009,000	1,500
Net charge-offs	$831,000	1,141
Cash dividends	$2,190,000	816
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$4,766,640	950
2013-06-30 (YTD Data)		Rank
Total interest income	$5,116,000	2,385
Total interest expense	$570,000	2,818
Net interest income	$4,546,000	2,292
Provision for loan and lease losses	$120,000	2,706
Total noninterest income	$6,113,000	597
Gross Fiduciary activities income	$209,000	646
Service charges on deposit accounts	$478,000	1,397
Trading account gains and fees	$0	157
Additional Noninterest Income	$5,426,000	472
Total noninterest expense	$7,063,000	1,392
Salaries and employee benefits	$2,408,000	2,130
Premises and equipment expense	$545,000	2,102
Additional noninterest expense	$4,110,000	815
Pre-tax net operating income	$3,476,000	1,080
Securities gains (losses)	$0	2,791
Applicable income taxes	$55,000	3,451
Income before extraordinary items	$3,421,000	901
Extraordinary gains, net	$0	22
Net income	$3,421,000	901
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,421,000	903
Net charge-offs	$595,000	1,108
Cash dividends	$1,740,000	711
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$3,421,000	867
2013-03-31 (YTD Data)		Rank
Total interest income	$2,630,000	2,356
Total interest expense	$298,000	2,791
Net interest income	$2,332,000	2,254
Provision for loan and lease losses	$60,000	2,589
Total noninterest income	$3,248,000	575
Gross Fiduciary activities income	$105,000	648
Service charges on deposit accounts	$220,000	1,498
Trading account gains and fees	$0	148
Additional Noninterest Income	$2,923,000	465
Total noninterest expense	$3,578,000	1,396
Salaries and employee benefits	$1,209,000	2,133
Premises and equipment expense	$259,000	2,248
Additional noninterest expense	$2,110,000	809
Pre-tax net operating income	$1,942,000	954
Securities gains (losses)	$0	1,966
Applicable income taxes	$27,000	3,430
Income before extraordinary items	$1,915,000	805
Extraordinary gains, net	$0	10
Net income	$1,915,000	806
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,915,000	807
Net charge-offs	$599,000	675
Cash dividends	$1,061,000	501
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$1,915,000	767
2012-12-31 (YTD Data)		Rank
Total interest income	$11,662,000	2,235
Total interest expense	$1,508,000	2,706
Net interest income	$10,154,000	2,119
Provision for loan and lease losses	$0	5,905
Total noninterest income	$15,181,000	500
Gross Fiduciary activities income	$453,000	624
Service charges on deposit accounts	$1,027,000	1,390
Trading account gains and fees	$0	166
Additional Noninterest Income	$13,701,000	400
Total noninterest expense	$16,809,000	1,205
Salaries and employee benefits	$4,962,000	2,023
Premises and equipment expense	$1,037,000	2,213
Additional noninterest expense	$10,810,000	661
Pre-tax net operating income	$8,526,000	841
Securities gains (losses)	$1,395,000	376
Applicable income taxes	$106,000	3,470
Income before extraordinary items	$9,815,000	630
Extraordinary gains, net	$0	29
Net income	$9,815,000	628
Minority interest net income	$0	93
Net income of bank and minority interests.	$9,815,000	630
Net charge-offs	$513,000	2,620
Cash dividends	$11,452,000	291
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$8,433,950	680
2012-09-30 (YTD Data)		Rank
Total interest income	$8,823,000	2,266
Total interest expense	$1,183,000	2,710
Net interest income	$7,640,000	2,149
Provision for loan and lease losses	$0	5,790
Total noninterest income	$10,972,000	503
Gross Fiduciary activities income	$284,000	659
Service charges on deposit accounts	$757,000	1,416
Trading account gains and fees	$0	157
Additional Noninterest Income	$9,931,000	398
Total noninterest expense	$11,938,000	1,256
Salaries and employee benefits	$3,693,000	2,037
Premises and equipment expense	$763,000	2,275
Additional noninterest expense	$7,482,000	703
Pre-tax net operating income	$6,674,000	844
Securities gains (losses)	$279,000	1,176
Applicable income taxes	$78,000	3,528
Income before extraordinary items	$6,875,000	681
Extraordinary gains, net	$0	20
Net income	$6,875,000	679
Minority interest net income	$0	86
Net income of bank and minority interests.	$6,875,000	681
Net charge-offs	$229,000	3,146
Cash dividends	$4,998,000	366
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$6,598,790	675
2012-06-30 (YTD Data)		Rank
Total interest income	$5,861,000	2,294
Total interest expense	$816,000	2,726
Net interest income	$5,045,000	2,163
Provision for loan and lease losses	$0	5,619
Total noninterest income	$6,633,000	536
Gross Fiduciary activities income	$189,000	668
Service charges on deposit accounts	$484,000	1,459
Trading account gains and fees	$0	153
Additional Noninterest Income	$5,960,000	418
Total noninterest expense	$7,559,000	1,314
Salaries and employee benefits	$2,457,000	2,041
Premises and equipment expense	$507,000	2,263
Additional noninterest expense	$4,595,000	760
Pre-tax net operating income	$4,119,000	884
Securities gains (losses)	$279,000	904
Applicable income taxes	$52,000	3,521
Income before extraordinary items	$4,346,000	701
Extraordinary gains, net	$0	19
Net income	$4,346,000	699
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,346,000	701
Net charge-offs	$218,000	2,649
Cash dividends	$2,277,000	468
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$4,069,790	709
2012-03-31 (YTD Data)		Rank
Total interest income	$2,975,000	2,272
Total interest expense	$422,000	2,753
Net interest income	$2,553,000	2,149
Provision for loan and lease losses	$0	5,254
Total noninterest income	$3,619,000	503
Gross Fiduciary activities income	$95,000	665
Service charges on deposit accounts	$226,000	1,534
Trading account gains and fees	$0	148
Additional Noninterest Income	$3,298,000	386
Total noninterest expense	$3,792,000	1,312
Salaries and employee benefits	$1,210,000	2,071
Premises and equipment expense	$252,000	2,287
Additional noninterest expense	$2,330,000	739
Pre-tax net operating income	$2,380,000	770
Securities gains (losses)	$279,000	474
Applicable income taxes	$24,000	3,568
Income before extraordinary items	$2,635,000	595
Extraordinary gains, net	$0	19
Net income	$2,635,000	595
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,635,000	596
Net charge-offs	$-1,000	5,761
Cash dividends	$1,341,000	376
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$2,358,790	633
2011-12-31 (YTD Data)		Rank
Total interest income	$12,749,000	2,195
Total interest expense	$2,183,000	2,588
Net interest income	$10,566,000	2,064
Provision for loan and lease losses	$570,000	3,280
Total noninterest income	$9,683,000	634
Gross Fiduciary activities income	$418,000	595
Service charges on deposit accounts	$1,036,000	1,430
Trading account gains and fees	$0	146
Additional Noninterest Income	$8,229,000	504
Total noninterest expense	$12,508,000	1,563
Salaries and employee benefits	$4,820,000	2,011
Premises and equipment expense	$1,122,000	2,170
Additional noninterest expense	$6,566,000	1,062
Pre-tax net operating income	$7,171,000	847
Securities gains (losses)	$177,000	1,558
Applicable income taxes	$62,000	3,646
Income before extraordinary items	$7,286,000	698
Extraordinary gains, net	$0	29
Net income	$7,286,000	698
Minority interest net income	$0	96
Net income of bank and minority interests.	$7,286,000	698
Net charge-offs	$503,000	3,157
Cash dividends	$4,218,000	494
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$7,110,770	678
2011-09-30 (YTD Data)		Rank
Total interest income	$9,567,000	2,220
Total interest expense	$1,717,000	2,580
Net interest income	$7,850,000	2,099
Provision for loan and lease losses	$510,000	2,846
Total noninterest income	$6,617,000	679
Gross Fiduciary activities income	$283,000	612
Service charges on deposit accounts	$780,000	1,434
Trading account gains and fees	$0	145
Additional Noninterest Income	$5,554,000	544
Total noninterest expense	$8,894,000	1,642
Salaries and employee benefits	$3,418,000	2,133
Premises and equipment expense	$802,000	2,300
Additional noninterest expense	$4,674,000	1,124
Pre-tax net operating income	$5,063,000	917
Securities gains (losses)	$0	3,555
Applicable income taxes	$46,000	3,670
Income before extraordinary items	$5,017,000	773
Extraordinary gains, net	$0	21
Net income	$5,017,000	772
Minority interest net income	$0	87
Net income of bank and minority interests.	$5,017,000	773
Net charge-offs	$404,000	2,900
Cash dividends	$2,956,000	457
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$5,017,000	740
2011-06-30 (YTD Data)		Rank
Total interest income	$6,315,000	2,250
Total interest expense	$1,187,000	2,593
Net interest income	$5,128,000	2,135
Provision for loan and lease losses	$450,000	2,433
Total noninterest income	$3,908,000	749
Gross Fiduciary activities income	$188,000	623
Service charges on deposit accounts	$504,000	1,455
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,216,000	586
Total noninterest expense	$5,567,000	1,752
Salaries and employee benefits	$2,263,000	2,163
Premises and equipment expense	$535,000	2,313
Additional noninterest expense	$2,769,000	1,276
Pre-tax net operating income	$3,019,000	1,003
Securities gains (losses)	$0	2,914
Applicable income taxes	$31,000	3,615
Income before extraordinary items	$2,988,000	834
Extraordinary gains, net	$0	15
Net income	$2,988,000	833
Minority interest net income	$0	89
Net income of bank and minority interests.	$2,988,000	834
Net charge-offs	$333,000	2,568
Cash dividends	$1,905,000	452
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$2,988,000	806
2011-03-31 (YTD Data)		Rank
Total interest income	$3,100,000	2,304
Total interest expense	$616,000	2,575
Net interest income	$2,484,000	2,199
Provision for loan and lease losses	$300,000	1,892
Total noninterest income	$2,022,000	723
Gross Fiduciary activities income	$94,000	628
Service charges on deposit accounts	$241,000	1,488
Trading account gains and fees	$0	158
Additional Noninterest Income	$1,687,000	574
Total noninterest expense	$2,750,000	1,790
Salaries and employee benefits	$1,125,000	2,186
Premises and equipment expense	$254,000	2,461
Additional noninterest expense	$1,371,000	1,290
Pre-tax net operating income	$1,456,000	1,033
Securities gains (losses)	$0	1,772
Applicable income taxes	$16,000	3,560
Income before extraordinary items	$1,440,000	855
Extraordinary gains, net	$0	9
Net income	$1,440,000	853
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,440,000	855
Net charge-offs	$193,000	2,145
Cash dividends	$952,000	414
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$1,440,000	836
2010-12-31 (YTD Data)		Rank
Total interest income	$12,649,000	2,373
Total interest expense	$2,842,000	2,716
Net interest income	$9,807,000	2,243
Provision for loan and lease losses	$1,400,000	2,552
Total noninterest income	$10,724,000	605
Gross Fiduciary activities income	$458,000	573
Service charges on deposit accounts	$1,018,000	1,487
Trading account gains and fees	$0	175
Additional Noninterest Income	$9,248,000	488
Total noninterest expense	$12,874,000	1,539
Salaries and employee benefits	$4,551,000	2,132
Premises and equipment expense	$1,030,000	2,421
Additional noninterest expense	$7,293,000	1,014
Pre-tax net operating income	$6,257,000	845
Securities gains (losses)	$59,000	2,547
Applicable income taxes	$72,000	3,431
Income before extraordinary items	$6,244,000	716
Extraordinary gains, net	$0	29
Net income	$6,244,000	715
Minority interest net income	$0	111
Net income of bank and minority interests.	$6,244,000	717
Net charge-offs	$863,000	2,886
Cash dividends	$4,117,000	401
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$6,185,590	692
2010-09-30 (YTD Data)		Rank
Total interest income	$9,520,000	2,425
Total interest expense	$2,173,000	2,781
Net interest income	$7,347,000	2,288
Provision for loan and lease losses	$350,000	4,106
Total noninterest income	$7,223,000	647
Gross Fiduciary activities income	$360,000	557
Service charges on deposit accounts	$749,000	1,553
Trading account gains and fees	$0	165
Additional Noninterest Income	$6,114,000	505
Total noninterest expense	$8,943,000	1,644
Salaries and employee benefits	$3,329,000	2,185
Premises and equipment expense	$757,000	2,503
Additional noninterest expense	$4,857,000	1,111
Pre-tax net operating income	$5,277,000	795
Securities gains (losses)	$59,000	2,312
Applicable income taxes	$54,000	3,528
Income before extraordinary items	$5,282,000	659
Extraordinary gains, net	$0	23
Net income	$5,282,000	657
Minority interest net income	$0	110
Net income of bank and minority interests.	$5,282,000	659
Net charge-offs	$309,000	3,690
Cash dividends	$3,029,000	362
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$5,223,590	632
2010-06-30 (YTD Data)		Rank
Total interest income	$6,188,000	2,510
Total interest expense	$1,446,000	2,872
Net interest income	$4,742,000	2,358
Provision for loan and lease losses	$200,000	4,223
Total noninterest income	$4,096,000	703
Gross Fiduciary activities income	$240,000	559
Service charges on deposit accounts	$476,000	1,618
Trading account gains and fees	$0	152
Additional Noninterest Income	$3,380,000	547
Total noninterest expense	$5,521,000	1,787
Salaries and employee benefits	$2,180,000	2,235
Premises and equipment expense	$498,000	2,550
Additional noninterest expense	$2,843,000	1,254
Pre-tax net operating income	$3,117,000	877
Securities gains (losses)	$59,000	1,781
Applicable income taxes	$36,000	3,489
Income before extraordinary items	$3,140,000	714
Extraordinary gains, net	$0	19
Net income	$3,140,000	711
Minority interest net income	$0	105
Net income of bank and minority interests.	$3,140,000	714
Net charge-offs	$306,000	3,019
Cash dividends	$1,947,000	369
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$3,081,590	701
2010-03-31 (YTD Data)		Rank
Total interest income	$3,064,000	2,588
Total interest expense	$725,000	2,982
Net interest income	$2,339,000	2,414
Provision for loan and lease losses	$60,000	4,570
Total noninterest income	$1,799,000	779
Gross Fiduciary activities income	$120,000	570
Service charges on deposit accounts	$227,000	1,684
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,452,000	608
Total noninterest expense	$2,703,000	1,841
Salaries and employee benefits	$1,083,000	2,277
Premises and equipment expense	$253,000	2,570
Additional noninterest expense	$1,367,000	1,298
Pre-tax net operating income	$1,375,000	977
Securities gains (losses)	$0	2,284
Applicable income taxes	$18,000	3,501
Income before extraordinary items	$1,357,000	810
Extraordinary gains, net	$0	16
Net income	$1,357,000	814
Minority interest net income	$0	91
Net income of bank and minority interests.	$1,357,000	814
Net charge-offs	$95,000	3,154
Cash dividends	$777,000	435
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$1,357,000	780
2009-12-31 (YTD Data)		Rank
Total interest income	$10,979,000	2,975
Total interest expense	$2,919,000	3,478
Net interest income	$8,060,000	2,713
Provision for loan and lease losses	$240,000	5,554
Total noninterest income	$8,800,000	708
Gross Fiduciary activities income	$442,000	578
Service charges on deposit accounts	$777,000	2,087
Trading account gains and fees	$0	211
Additional Noninterest Income	$7,581,000	539
Total noninterest expense	$10,608,000	1,912
Salaries and employee benefits	$4,099,000	2,389
Premises and equipment expense	$837,000	3,000
Additional noninterest expense	$5,672,000	1,324
Pre-tax net operating income	$6,012,000	719
Securities gains (losses)	$139,000	1,848
Applicable income taxes	$56,000	3,202
Income before extraordinary items	$6,095,000	558
Extraordinary gains, net	$0	34
Net income	$6,095,000	558
Minority interest net income	$0	115
Net income of bank and minority interests.	$6,095,000	559
Net charge-offs	$218,000	4,889
Cash dividends	$3,889,000	456
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$5,957,390	570
2009-09-30 (YTD Data)		Rank
Total interest income	$7,912,000	3,145
Total interest expense	$2,148,000	3,677
Net interest income	$5,764,000	2,831
Provision for loan and lease losses	$180,000	5,277
Total noninterest income	$6,500,000	719
Gross Fiduciary activities income	$205,000	687
Service charges on deposit accounts	$528,000	2,248
Trading account gains and fees	$0	212
Additional Noninterest Income	$5,767,000	537
Total noninterest expense	$7,004,000	2,137
Salaries and employee benefits	$2,876,000	2,562
Premises and equipment expense	$574,000	3,288
Additional noninterest expense	$3,554,000	1,511
Pre-tax net operating income	$5,080,000	668
Securities gains (losses)	$11,000	2,942
Applicable income taxes	$38,000	3,481
Income before extraordinary items	$5,053,000	532
Extraordinary gains, net	$0	27
Net income	$5,053,000	532
Minority interest net income	$0	118
Net income of bank and minority interests.	$5,053,000	533
Net charge-offs	$88,000	5,172
Cash dividends	$3,168,000	386
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$5,042,110	525
2009-06-30 (YTD Data)		Rank
Total interest income	$4,996,000	3,311
Total interest expense	$1,335,000	3,957
Net interest income	$3,661,000	2,931
Provision for loan and lease losses	$150,000	4,729
Total noninterest income	$4,412,000	723
Gross Fiduciary activities income	$119,000	724
Service charges on deposit accounts	$288,000	2,597
Trading account gains and fees	$0	193
Additional Noninterest Income	$4,005,000	518
Total noninterest expense	$4,387,000	2,289
Salaries and employee benefits	$1,746,000	2,849
Premises and equipment expense	$356,000	3,486
Additional noninterest expense	$2,285,000	1,601
Pre-tax net operating income	$3,536,000	648
Securities gains (losses)	$14,000	2,468
Applicable income taxes	$25,000	3,592
Income before extraordinary items	$3,525,000	498
Extraordinary gains, net	$0	21
Net income	$3,525,000	496
Minority interest net income	$0	112
Net income of bank and minority interests.	$3,525,000	498
Net charge-offs	$48,000	4,953
Cash dividends	$2,082,000	427
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$3,511,140	485
2009-03-31 (YTD Data)		Rank
Total interest income	$2,542,000	3,303
Total interest expense	$688,000	3,989
Net interest income	$1,854,000	2,899
Provision for loan and lease losses	$120,000	3,591
Total noninterest income	$2,169,000	704
Gross Fiduciary activities income	$59,000	738
Service charges on deposit accounts	$139,000	2,617
Trading account gains and fees	$0	171
Additional Noninterest Income	$1,971,000	515
Total noninterest expense	$2,029,000	2,397
Salaries and employee benefits	$844,000	2,968
Premises and equipment expense	$195,000	3,290
Additional noninterest expense	$990,000	1,630
Pre-tax net operating income	$1,874,000	659
Securities gains (losses)	$5,000	2,061
Applicable income taxes	$13,000	3,831
Income before extraordinary items	$1,866,000	532
Extraordinary gains, net	$0	15
Net income	$1,866,000	531
Minority interest net income	$0	102
Net income of bank and minority interests.	$1,866,000	535
Net charge-offs	$-10,000	7,862
Cash dividends	$1,006,000	424
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,861,050	492
2008-12-31 (YTD Data)		Rank
Total interest income	$10,432,000	3,419
Total interest expense	$3,694,000	3,709
Net interest income	$6,738,000	3,166
Provision for loan and lease losses	$125,000	5,768
Total noninterest income	$3,522,000	1,397
Gross Fiduciary activities income	$255,000	734
Service charges on deposit accounts	$613,000	2,613
Trading account gains and fees	$0	154
Additional Noninterest Income	$2,654,000	1,064
Total noninterest expense	$6,054,000	3,048
Salaries and employee benefits	$3,134,000	3,134
Premises and equipment expense	$652,000	3,681
Additional noninterest expense	$2,268,000	2,540
Pre-tax net operating income	$4,081,000	1,343
Securities gains (losses)	$183,000	763
Applicable income taxes	$50,000	3,853
Income before extraordinary items	$4,214,000	971
Extraordinary gains, net	$0	39
Net income	$4,214,000	971
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,000	4,738
Cash dividends	$3,286,000	827
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$4,032,830	1,107
2008-09-30 (YTD Data)		Rank
Total interest income	$7,824,000	3,484
Total interest expense	$2,874,000	3,730
Net interest income	$4,950,000	3,245
Provision for loan and lease losses	$90,000	5,263
Total noninterest income	$2,821,000	1,369
Gross Fiduciary activities income	$184,000	739
Service charges on deposit accounts	$458,000	2,632
Trading account gains and fees	$0	148
Additional Noninterest Income	$2,179,000	1,035
Total noninterest expense	$4,454,000	3,078
Salaries and employee benefits	$2,329,000	3,186
Premises and equipment expense	$466,000	3,838
Additional noninterest expense	$1,659,000	2,540
Pre-tax net operating income	$3,227,000	1,509
Securities gains (losses)	$42,000	1,531
Applicable income taxes	$38,000	4,275
Income before extraordinary items	$3,231,000	1,137
Extraordinary gains, net	$0	31
Net income	$3,231,000	1,136
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	4,101
Cash dividends	$2,532,000	827
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$3,189,420	1,232
2008-06-30 (YTD Data)		Rank
Total interest income	$5,224,000	3,533
Total interest expense	$1,979,000	3,774
Net interest income	$3,245,000	3,282
Provision for loan and lease losses	$60,000	4,901
Total noninterest income	$1,868,000	1,396
Gross Fiduciary activities income	$123,000	756
Service charges on deposit accounts	$278,000	2,798
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,467,000	1,079
Total noninterest expense	$2,929,000	3,134
Salaries and employee benefits	$1,539,000	3,259
Premises and equipment expense	$308,000	3,890
Additional noninterest expense	$1,082,000	2,561
Pre-tax net operating income	$2,124,000	1,603
Securities gains (losses)	$40,000	1,598
Applicable income taxes	$26,000	4,517
Income before extraordinary items	$2,138,000	1,288
Extraordinary gains, net	$0	21
Net income	$2,138,000	1,289
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	4,328
Cash dividends	$1,679,000	904
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$2,098,400	1,283
2008-03-31 (YTD Data)		Rank
Total interest income	$2,678,000	3,548
Total interest expense	$1,071,000	3,739
Net interest income	$1,607,000	3,312
Provision for loan and lease losses	$30,000	4,346
Total noninterest income	$868,000	1,477
Gross Fiduciary activities income	$61,000	766
Service charges on deposit accounts	$115,000	3,148
Trading account gains and fees	$0	158
Additional Noninterest Income	$692,000	1,132
Total noninterest expense	$1,405,000	3,258
Salaries and employee benefits	$752,000	3,347
Premises and equipment expense	$157,000	3,841
Additional noninterest expense	$496,000	2,745
Pre-tax net operating income	$1,040,000	1,723
Securities gains (losses)	$31,000	1,352
Applicable income taxes	$14,000	4,601
Income before extraordinary items	$1,057,000	1,420
Extraordinary gains, net	$0	15
Net income	$1,057,000	1,423
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,249
Cash dividends	$799,000	929
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$1,026,310	1,410
2007-12-31 (YTD Data)		Rank
Total interest income	$11,518,000	3,394
Total interest expense	$5,061,000	3,434
Net interest income	$6,457,000	3,319
Provision for loan and lease losses	$250,000	3,497
Total noninterest income	$3,597,000	1,417
Gross Fiduciary activities income	$271,000	734
Service charges on deposit accounts	$476,000	3,153
Trading account gains and fees	$0	178
Additional Noninterest Income	$2,850,000	1,055
Total noninterest expense	$5,848,000	3,033
Salaries and employee benefits	$3,011,000	3,217
Premises and equipment expense	$593,000	3,869
Additional noninterest expense	$2,244,000	2,398
Pre-tax net operating income	$3,956,000	2,002
Securities gains (losses)	$1,000	1,983
Applicable income taxes	$58,000	4,847
Income before extraordinary items	$3,899,000	1,637
Extraordinary gains, net	$0	39
Net income	$3,899,000	1,636
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$250,000	2,539
Cash dividends	$9,288,000	444
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$3,898,010	1,624
2007-09-30 (YTD Data)		Rank
Total interest income	$8,695,000	3,384
Total interest expense	$3,856,000	3,395
Net interest income	$4,839,000	3,320
Provision for loan and lease losses	$138,000	3,600
Total noninterest income	$2,619,000	1,461
Gross Fiduciary activities income	$182,000	746
Service charges on deposit accounts	$352,000	3,170
Trading account gains and fees	$0	184
Additional Noninterest Income	$2,085,000	1,069
Total noninterest expense	$4,309,000	3,055
Salaries and employee benefits	$2,276,000	3,179
Premises and equipment expense	$439,000	3,904
Additional noninterest expense	$1,594,000	2,481
Pre-tax net operating income	$3,011,000	2,097
Securities gains (losses)	$0	1,655
Applicable income taxes	$44,000	5,031
Income before extraordinary items	$2,967,000	1,710
Extraordinary gains, net	$0	33
Net income	$2,967,000	1,709
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,000	2,478
Cash dividends	$8,430,000	375
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,967,000	1,693
2007-06-30 (YTD Data)		Rank
Total interest income	$5,836,000	3,373
Total interest expense	$2,561,000	3,399
Net interest income	$3,275,000	3,306
Provision for loan and lease losses	$118,000	3,075
Total noninterest income	$1,608,000	1,581
Gross Fiduciary activities income	$122,000	761
Service charges on deposit accounts	$225,000	3,253
Trading account gains and fees	$0	168
Additional Noninterest Income	$1,261,000	1,189
Total noninterest expense	$2,776,000	3,165
Salaries and employee benefits	$1,511,000	3,225
Premises and equipment expense	$289,000	3,941
Additional noninterest expense	$976,000	2,686
Pre-tax net operating income	$1,989,000	2,167
Securities gains (losses)	$0	1,444
Applicable income taxes	$29,000	5,136
Income before extraordinary items	$1,960,000	1,765
Extraordinary gains, net	$0	29
Net income	$1,960,000	1,765
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$116,000	1,902
Cash dividends	$7,614,000	307
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,960,000	1,751
2007-03-31 (YTD Data)		Rank
Total interest income	$2,920,000	3,352
Total interest expense	$1,266,000	3,401
Net interest income	$1,654,000	3,276
Provision for loan and lease losses	$118,000	1,828
Total noninterest income	$707,000	1,727
Gross Fiduciary activities income	$61,000	775
Service charges on deposit accounts	$105,000	3,344
Trading account gains and fees	$0	195
Additional Noninterest Income	$541,000	1,291
Total noninterest expense	$1,314,000	3,324
Salaries and employee benefits	$746,000	3,282
Premises and equipment expense	$143,000	3,992
Additional noninterest expense	$425,000	3,015
Pre-tax net operating income	$929,000	2,295
Securities gains (losses)	$0	1,187
Applicable income taxes	$14,000	5,152
Income before extraordinary items	$915,000	1,852
Extraordinary gains, net	$0	22
Net income	$915,000	1,852
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,000	1,050
Cash dividends	$818,000	957
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$915,000	1,841
2006-12-31 (YTD Data)		Rank
Total interest income	$11,033,000	3,308
Total interest expense	$4,310,000	3,409
Net interest income	$6,723,000	3,221
Provision for loan and lease losses	$385,000	2,344
Total noninterest income	$3,559,000	1,418
Gross Fiduciary activities income	$225,000	773
Service charges on deposit accounts	$359,000	3,764
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,975,000	1,001
Total noninterest expense	$5,400,000	3,138
Salaries and employee benefits	$2,811,000	3,313
Premises and equipment expense	$535,000	4,083
Additional noninterest expense	$2,054,000	2,518
Pre-tax net operating income	$4,497,000	2,054
Securities gains (losses)	$0	1,687
Applicable income taxes	$63,000	5,291
Income before extraordinary items	$4,434,000	1,634
Extraordinary gains, net	$0	51
Net income	$4,434,000	1,635
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$376,000	1,421
Cash dividends	$3,545,000	969
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$4,434,000	1,619
2006-09-30 (YTD Data)		Rank
Total interest income	$8,170,000	3,322
Total interest expense	$3,099,000	3,416
Net interest income	$5,071,000	3,224
Provision for loan and lease losses	$355,000	1,881
Total noninterest income	$2,812,000	1,373
Gross Fiduciary activities income	$169,000	766
Service charges on deposit accounts	$262,000	3,844
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,381,000	972
Total noninterest expense	$4,035,000	3,146
Salaries and employee benefits	$2,082,000	3,334
Premises and equipment expense	$399,000	4,119
Additional noninterest expense	$1,554,000	2,469
Pre-tax net operating income	$3,493,000	2,069
Securities gains (losses)	$0	1,388
Applicable income taxes	$47,000	5,474
Income before extraordinary items	$3,446,000	1,607
Extraordinary gains, net	$0	45
Net income	$3,446,000	1,608
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$304,000	1,137
Cash dividends	$2,747,000	889
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$3,446,000	1,588
2006-06-30 (YTD Data)		Rank
Total interest income	$5,375,000	3,312
Total interest expense	$1,975,000	3,415
Net interest income	$3,400,000	3,211
Provision for loan and lease losses	$60,000	4,062
Total noninterest income	$1,849,000	1,391
Gross Fiduciary activities income	$113,000	774
Service charges on deposit accounts	$166,000	3,934
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,570,000	985
Total noninterest expense	$2,688,000	3,152
Salaries and employee benefits	$1,376,000	3,371
Premises and equipment expense	$270,000	4,079
Additional noninterest expense	$1,042,000	2,464
Pre-tax net operating income	$2,501,000	1,951
Securities gains (losses)	$0	1,185
Applicable income taxes	$32,000	5,529
Income before extraordinary items	$2,469,000	1,503
Extraordinary gains, net	$0	39
Net income	$2,469,000	1,504
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	2,422
Cash dividends	$1,826,000	889
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$2,469,000	1,482
2006-03-31 (YTD Data)		Rank
Total interest income	$2,634,000	3,303
Total interest expense	$925,000	3,458
Net interest income	$1,709,000	3,186
Provision for loan and lease losses	$30,000	3,822
Total noninterest income	$813,000	1,493
Gross Fiduciary activities income	$56,000	785
Service charges on deposit accounts	$75,000	4,076
Trading account gains and fees	$0	115
Additional Noninterest Income	$682,000	1,061
Total noninterest expense	$1,313,000	3,231
Salaries and employee benefits	$685,000	3,392
Premises and equipment expense	$140,000	3,988
Additional noninterest expense	$488,000	2,594
Pre-tax net operating income	$1,179,000	2,001
Securities gains (losses)	$0	955
Applicable income taxes	$16,000	5,499
Income before extraordinary items	$1,163,000	1,560
Extraordinary gains, net	$0	21
Net income	$1,163,000	1,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,838
Cash dividends	$905,000	820
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$1,163,000	1,544
2005-12-31 (YTD Data)		Rank
Total interest income	$9,648,000	3,243
Total interest expense	$2,634,000	3,683
Net interest income	$7,014,000	3,040
Provision for loan and lease losses	$120,000	4,465
Total noninterest income	$3,477,000	1,433
Gross Fiduciary activities income	$251,000	757
Service charges on deposit accounts	$328,000	3,980
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,898,000	1,039
Total noninterest expense	$5,339,000	3,062
Salaries and employee benefits	$2,706,000	3,256
Premises and equipment expense	$544,000	3,935
Additional noninterest expense	$2,089,000	2,386
Pre-tax net operating income	$5,032,000	1,860
Securities gains (losses)	$4,000	1,802
Applicable income taxes	$18,000	6,362
Income before extraordinary items	$5,018,000	1,412
Extraordinary gains, net	$0	46
Net income	$5,018,000	1,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$122,000	3,034
Cash dividends	$4,154,000	787
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$5,014,000	1,394
2005-09-30 (YTD Data)		Rank
Total interest income	$6,996,000	3,278
Total interest expense	$1,791,000	3,805
Net interest income	$5,205,000	3,049
Provision for loan and lease losses	$90,000	4,305
Total noninterest income	$2,651,000	1,425
Gross Fiduciary activities income	$165,000	768
Service charges on deposit accounts	$249,000	3,972
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,237,000	1,033
Total noninterest expense	$4,009,000	3,022
Salaries and employee benefits	$2,050,000	3,208
Premises and equipment expense	$411,000	3,892
Additional noninterest expense	$1,548,000	2,369
Pre-tax net operating income	$3,757,000	1,859
Securities gains (losses)	$4,000	1,810
Applicable income taxes	$13,000	6,453
Income before extraordinary items	$3,748,000	1,428
Extraordinary gains, net	$0	35
Net income	$3,748,000	1,429
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	3,970
Cash dividends	$3,033,000	729
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$3,744,000	1,406
2005-06-30 (YTD Data)		Rank
Total interest income	$4,525,000	3,297
Total interest expense	$1,051,000	3,993
Net interest income	$3,474,000	3,019
Provision for loan and lease losses	$60,000	4,115
Total noninterest income	$1,632,000	1,489
Gross Fiduciary activities income	$110,000	779
Service charges on deposit accounts	$160,000	3,998
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,362,000	1,077
Total noninterest expense	$2,585,000	3,097
Salaries and employee benefits	$1,366,000	3,186
Premises and equipment expense	$263,000	3,989
Additional noninterest expense	$956,000	2,547
Pre-tax net operating income	$2,461,000	1,872
Securities gains (losses)	$0	2,146
Applicable income taxes	$9,000	6,449
Income before extraordinary items	$2,452,000	1,425
Extraordinary gains, net	$0	30
Net income	$2,452,000	1,425
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	3,351
Cash dividends	$1,799,000	814
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$2,452,000	1,399
2005-03-31 (YTD Data)		Rank
Total interest income	$2,233,000	3,299
Total interest expense	$501,000	4,021
Net interest income	$1,732,000	3,016
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$739,000	1,585
Gross Fiduciary activities income	$55,000	788
Service charges on deposit accounts	$74,000	4,114
Trading account gains and fees	$0	115
Additional Noninterest Income	$610,000	1,163
Total noninterest expense	$1,247,000	3,213
Salaries and employee benefits	$687,000	3,174
Premises and equipment expense	$130,000	4,075
Additional noninterest expense	$430,000	2,826
Pre-tax net operating income	$1,194,000	1,893
Securities gains (losses)	$0	1,685
Applicable income taxes	$5,000	6,381
Income before extraordinary items	$1,189,000	1,424
Extraordinary gains, net	$0	24
Net income	$1,189,000	1,426
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,685
Cash dividends	$870,000	763
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$1,189,000	1,401
2004-12-31 (YTD Data)		Rank
Total interest income	$8,552,000	3,238
Total interest expense	$1,992,000	3,667
Net interest income	$6,560,000	3,059
Provision for loan and lease losses	$30,000	6,416
Total noninterest income	$3,476,000	1,428
Gross Fiduciary activities income	$159,000	842
Service charges on deposit accounts	$353,000	3,914
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,964,000	993
Total noninterest expense	$5,200,000	3,005
Salaries and employee benefits	$2,728,000	3,110
Premises and equipment expense	$430,000	4,550
Additional noninterest expense	$2,042,000	2,374
Pre-tax net operating income	$4,806,000	1,763
Securities gains (losses)	$8,000	2,935
Applicable income taxes	$28,000	6,390
Income before extraordinary items	$4,786,000	1,350
Extraordinary gains, net	$0	34
Net income	$4,786,000	1,351
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	3,767
Cash dividends	$5,520,000	566
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$4,778,080	1,313
2004-09-30 (YTD Data)		Rank
Total interest income	$6,350,000	3,245
Total interest expense	$1,489,000	3,639
Net interest income	$4,861,000	3,077
Provision for loan and lease losses	$30,000	5,981
Total noninterest income	$2,619,000	1,436
Gross Fiduciary activities income	$112,000	847
Service charges on deposit accounts	$264,000	3,963
Trading account gains and fees	$0	134
Additional Noninterest Income	$2,243,000	990
Total noninterest expense	$3,819,000	3,031
Salaries and employee benefits	$2,024,000	3,092
Premises and equipment expense	$321,000	4,549
Additional noninterest expense	$1,474,000	2,432
Pre-tax net operating income	$3,631,000	1,758
Securities gains (losses)	$4,000	3,145
Applicable income taxes	$22,000	6,467
Income before extraordinary items	$3,613,000	1,364
Extraordinary gains, net	$0	26
Net income	$3,613,000	1,365
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	3,728
Cash dividends	$4,434,000	510
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$3,609,040	1,314
2004-06-30 (YTD Data)		Rank
Total interest income	$4,207,000	3,250
Total interest expense	$997,000	3,605
Net interest income	$3,210,000	3,093
Provision for loan and lease losses	$30,000	5,293
Total noninterest income	$1,756,000	1,416
Gross Fiduciary activities income	$75,000	856
Service charges on deposit accounts	$179,000	3,927
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,502,000	987
Total noninterest expense	$2,475,000	3,132
Salaries and employee benefits	$1,324,000	3,165
Premises and equipment expense	$212,000	4,591
Additional noninterest expense	$939,000	2,529
Pre-tax net operating income	$2,461,000	1,706
Securities gains (losses)	$0	3,413
Applicable income taxes	$15,000	6,460
Income before extraordinary items	$2,446,000	1,327
Extraordinary gains, net	$0	21
Net income	$2,446,000	1,328
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	3,087
Cash dividends	$3,798,000	417
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$2,446,000	1,279
2004-03-31 (YTD Data)		Rank
Total interest income	$2,143,000	3,202
Total interest expense	$507,000	3,602
Net interest income	$1,636,000	3,028
Provision for loan and lease losses	$30,000	4,060
Total noninterest income	$852,000	1,420
Gross Fiduciary activities income	$37,000	871
Service charges on deposit accounts	$93,000	3,737
Trading account gains and fees	$0	121
Additional Noninterest Income	$722,000	999
Total noninterest expense	$1,190,000	3,246
Salaries and employee benefits	$655,000	3,204
Premises and equipment expense	$110,000	4,512
Additional noninterest expense	$425,000	2,738
Pre-tax net operating income	$1,268,000	1,641
Securities gains (losses)	$0	2,934
Applicable income taxes	$16,000	5,956
Income before extraordinary items	$1,252,000	1,292
Extraordinary gains, net	$0	16
Net income	$1,252,000	1,292
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	8,283
Cash dividends	$2,913,000	277
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$1,252,000	1,227
2003-12-31 (YTD Data)		Rank
Total interest income	$8,730,000	3,185
Total interest expense	$2,407,000	3,434
Net interest income	$6,323,000	3,038
Provision for loan and lease losses	$320,000	3,013
Total noninterest income	$6,449,000	927
Gross Fiduciary activities income	$216,000	783
Service charges on deposit accounts	$371,000	3,813
Trading account gains and fees	$0	160
Additional Noninterest Income	$5,862,000	680
Total noninterest expense	$6,387,000	2,460
Salaries and employee benefits	$2,573,000	3,195
Premises and equipment expense	$438,000	4,445
Additional noninterest expense	$3,376,000	1,458
Pre-tax net operating income	$6,065,000	1,357
Securities gains (losses)	$90,000	1,978
Applicable income taxes	$78,000	5,957
Income before extraordinary items	$6,077,000	1,063
Extraordinary gains, net	$0	54
Net income	$6,077,000	1,065
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$192,000	2,948
Cash dividends	$2,939,000	1,018
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$5,987,900	1,012
2003-09-30 (YTD Data)		Rank
Total interest income	$6,592,000	3,224
Total interest expense	$1,879,000	3,450
Net interest income	$4,713,000	3,057
Provision for loan and lease losses	$90,000	4,812
Total noninterest income	$5,491,000	869
Gross Fiduciary activities income	$128,000	849
Service charges on deposit accounts	$277,000	3,845
Trading account gains and fees	$0	153
Additional Noninterest Income	$5,086,000	631
Total noninterest expense	$5,004,000	2,358
Salaries and employee benefits	$1,911,000	3,224
Premises and equipment expense	$340,000	4,345
Additional noninterest expense	$2,753,000	1,340
Pre-tax net operating income	$5,110,000	1,260
Securities gains (losses)	$49,000	2,325
Applicable income taxes	$65,000	5,991
Income before extraordinary items	$5,094,000	987
Extraordinary gains, net	$0	40
Net income	$5,094,000	987
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	3,724
Cash dividends	$2,302,000	897
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$5,045,490	936
2003-06-30 (YTD Data)		Rank
Total interest income	$4,420,000	3,216
Total interest expense	$1,325,000	3,390
Net interest income	$3,095,000	3,100
Provision for loan and lease losses	$60,000	4,687
Total noninterest income	$3,654,000	846
Gross Fiduciary activities income	$85,000	854
Service charges on deposit accounts	$182,000	3,835
Trading account gains and fees	$0	150
Additional Noninterest Income	$3,387,000	621
Total noninterest expense	$3,196,000	2,461
Salaries and employee benefits	$1,242,000	3,288
Premises and equipment expense	$231,000	4,294
Additional noninterest expense	$1,723,000	1,435
Pre-tax net operating income	$3,493,000	1,225
Securities gains (losses)	$49,000	2,032
Applicable income taxes	$46,000	5,986
Income before extraordinary items	$3,496,000	963
Extraordinary gains, net	$0	30
Net income	$3,496,000	963
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	3,447
Cash dividends	$1,540,000	916
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$3,447,490	898
2003-03-31 (YTD Data)		Rank
Total interest income	$2,264,000	3,166
Total interest expense	$709,000	3,281
Net interest income	$1,555,000	3,071
Provision for loan and lease losses	$30,000	4,429
Total noninterest income	$1,890,000	818
Gross Fiduciary activities income	$43,000	848
Service charges on deposit accounts	$93,000	3,718
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,754,000	592
Total noninterest expense	$1,504,000	2,580
Salaries and employee benefits	$604,000	3,347
Premises and equipment expense	$117,000	4,253
Additional noninterest expense	$783,000	1,514
Pre-tax net operating income	$1,911,000	1,130
Securities gains (losses)	$0	2,891
Applicable income taxes	$26,000	5,851
Income before extraordinary items	$1,885,000	894
Extraordinary gains, net	$0	21
Net income	$1,885,000	893
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,770
Cash dividends	$845,000	795
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,885,000	822
2002-12-31 (YTD Data)		Rank
Total interest income	$10,032,000	3,013
Total interest expense	$3,699,000	2,943
Net interest income	$6,333,000	2,998
Provision for loan and lease losses	$227,000	4,091
Total noninterest income	$3,865,000	1,282
Gross Fiduciary activities income	$225,000	792
Service charges on deposit accounts	$103,000	6,527
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,537,000	899
Total noninterest expense	$4,915,000	2,971
Salaries and employee benefits	$2,312,000	3,341
Premises and equipment expense	$454,000	4,241
Additional noninterest expense	$2,149,000	2,158
Pre-tax net operating income	$5,056,000	1,616
Securities gains (losses)	$0	4,537
Applicable income taxes	$-20,000	8,914
Income before extraordinary items	$5,076,000	1,236
Extraordinary gains, net	$0	70
Net income	$5,076,000	1,236
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$223,000	2,849
Cash dividends	$4,527,000	673
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$5,076,000	1,186
2001-12-31 (YTD Data)		Rank
Total interest income	$11,397,000	2,970
Total interest expense	$5,251,000	3,027
Net interest income	$6,146,000	2,887
Provision for loan and lease losses	$275,000	3,402
Total noninterest income	$2,354,000	1,776
Gross Fiduciary activities income	$178,000	869
Service charges on deposit accounts	$107,000	6,451
Trading account gains and fees	$0	177
Additional Noninterest Income	$2,069,000	1,215
Total noninterest expense	$4,124,000	3,342
Salaries and employee benefits	$2,272,000	3,230
Premises and equipment expense	$381,000	4,757
Additional noninterest expense	$1,471,000	2,924
Pre-tax net operating income	$4,101,000	1,735
Securities gains (losses)	$0	4,612
Applicable income taxes	$45,000	6,794
Income before extraordinary items	$4,056,000	1,346
Extraordinary gains, net	$0	105
Net income	$4,056,000	1,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,653
Cash dividends	$3,280,000	854
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$4,056,000	1,286
2000-12-31 (YTD Data)		Rank
Total interest income	$11,133,000	3,104
Total interest expense	$5,161,000	3,221
Net interest income	$5,972,000	2,955
Provision for loan and lease losses	$95,000	5,433
Total noninterest income	$1,597,000	2,245
Gross Fiduciary activities income	$196,000	812
Service charges on deposit accounts	$110,000	6,393
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,291,000	1,567
Total noninterest expense	$3,699,000	3,545
Salaries and employee benefits	$2,165,000	3,238
Premises and equipment expense	$320,000	5,230
Additional noninterest expense	$1,214,000	3,398
Pre-tax net operating income	$3,775,000	1,936
Securities gains (losses)	$0	1,956
Applicable income taxes	$32,000	7,564
Income before extraordinary items	$3,743,000	1,415
Extraordinary gains, net	$0	38
Net income	$3,743,000	1,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	3,956
Cash dividends	$2,498,000	1,134
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$3,743,000	1,404
1999-12-31 (YTD Data)		Rank
Total interest income	$10,841,000	2,981
Total interest expense	$5,112,000	2,853
Net interest income	$5,729,000	3,047
Provision for loan and lease losses	$138,000	4,462
Total noninterest income	$1,878,000	1,940
Gross Fiduciary activities income	$205,000	862
Service charges on deposit accounts	$135,000	6,084
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,538,000	1,374
Total noninterest expense	$3,733,000	3,526
Salaries and employee benefits	$2,208,000	3,133
Premises and equipment expense	$335,000	5,122
Additional noninterest expense	$1,190,000	3,452
Pre-tax net operating income	$3,736,000	1,970
Securities gains (losses)	$-29,000	9,649
Applicable income taxes	$26,000	8,103
Income before extraordinary items	$3,681,000	1,461
Extraordinary gains, net	$0	35
Net income	$3,681,000	1,462
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,288
Cash dividends	$2,052,000	1,326
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$3,709,710	1,424
1998-12-31 (YTD Data)		Rank
Total interest income	$10,992,000	2,933
Total interest expense	$5,313,000	2,834
Net interest income	$5,679,000	3,035
Provision for loan and lease losses	$378,000	2,161
Total noninterest income	$2,042,000	1,804
Gross Fiduciary activities income	$299,000	783
Service charges on deposit accounts	$135,000	6,186
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,608,000	1,337
Total noninterest expense	$3,650,000	3,484
Salaries and employee benefits	$2,027,000	3,287
Premises and equipment expense	$336,000	5,030
Additional noninterest expense	$1,287,000	3,165
Pre-tax net operating income	$3,693,000	1,965
Securities gains (losses)	$-23,000	10,305
Applicable income taxes	$430,000	4,234
Income before extraordinary items	$3,240,000	1,626
Extraordinary gains, net	$0	32
Net income	$3,240,000	1,627
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	4,179
Cash dividends	$1,836,000	1,430
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$3,260,240	1,555
1997-12-31 (YTD Data)		Rank
Total interest income	$11,071,000	2,948
Total interest expense	$5,449,000	2,748
Net interest income	$5,622,000	3,109
Provision for loan and lease losses	$578,000	1,597
Total noninterest income	$1,353,000	2,396
Gross Fiduciary activities income	$212,000	880
Service charges on deposit accounts	$134,000	6,474
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,007,000	1,728
Total noninterest expense	$3,313,000	3,785
Salaries and employee benefits	$1,959,000	3,375
Premises and equipment expense	$292,000	5,523
Additional noninterest expense	$1,062,000	3,690
Pre-tax net operating income	$3,084,000	2,429
Securities gains (losses)	$0	3,944
Applicable income taxes	$954,000	2,533
Income before extraordinary items	$2,130,000	2,438
Extraordinary gains, net	$0	44
Net income	$2,130,000	2,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$371,000	1,696
Cash dividends	$3,590,000	817
Sale, conversion, retirement of capital stock, net	$-92,000	10,774
Net operating income	$2,130,000	2,378
1996-12-31 (YTD Data)		Rank
Total interest income	$10,732,000	3,062
Total interest expense	$5,233,000	2,886
Net interest income	$5,499,000	3,219
Provision for loan and lease losses	$378,000	2,178
Total noninterest income	$1,259,000	2,593
Gross Fiduciary activities income	$191,000	985
Service charges on deposit accounts	$114,000	7,197
Trading account gains and fees	$0	262
Additional Noninterest Income	$954,000	1,874
Total noninterest expense	$3,438,000	3,837
Salaries and employee benefits	$1,860,000	3,569
Premises and equipment expense	$304,000	5,535
Additional noninterest expense	$1,274,000	3,599
Pre-tax net operating income	$2,942,000	2,413
Securities gains (losses)	$0	4,148
Applicable income taxes	$945,000	2,478
Income before extraordinary items	$1,997,000	2,470
Extraordinary gains, net	$0	53
Net income	$1,997,000	2,471
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$334,000	1,927
Cash dividends	$520,000	3,309
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,997,000	2,421
1995-12-31 (YTD Data)		Rank
Total interest income	$10,389,000	3,193
Total interest expense	$4,920,000	3,070
Net interest income	$5,469,000	3,249
Provision for loan and lease losses	$333,000	2,126
Total noninterest income	$1,060,000	2,968
Gross Fiduciary activities income	$145,000	1,075
Service charges on deposit accounts	$117,000	7,374
Trading account gains and fees	$0	522
Additional Noninterest Income	$798,000	2,109
Total noninterest expense	$3,280,000	3,969
Salaries and employee benefits	$1,835,000	3,582
Premises and equipment expense	$272,000	6,038
Additional noninterest expense	$1,173,000	3,810
Pre-tax net operating income	$2,916,000	2,488
Securities gains (losses)	$0	3,831
Applicable income taxes	$964,000	2,474
Income before extraordinary items	$1,952,000	2,568
Extraordinary gains, net	$0	65
Net income	$1,952,000	2,567
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,528
Cash dividends	$520,000	3,233
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,952,000	2,536
1994-12-31 (YTD Data)		Rank
Total interest income	$9,121,000	3,292
Total interest expense	$3,774,000	3,240
Net interest income	$5,347,000	3,354
Provision for loan and lease losses	$275,000	2,418
Total noninterest income	$917,000	3,311
Gross Fiduciary activities income	$158,000	1,073
Service charges on deposit accounts	$109,000	7,867
Trading account gains and fees	$0	475
Additional Noninterest Income	$650,000	2,458
Total noninterest expense	$3,203,000	4,170
Salaries and employee benefits	$1,780,000	3,655
Premises and equipment expense	$260,000	6,355
Additional noninterest expense	$1,163,000	4,170
Pre-tax net operating income	$2,786,000	2,540
Securities gains (losses)	$0	3,600
Applicable income taxes	$930,000	2,399
Income before extraordinary items	$1,856,000	2,621
Extraordinary gains, net	$0	249
Net income	$1,856,000	2,621
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$239,000	2,215
Cash dividends	$520,000	3,093
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,856,000	2,638
1993-12-31 (YTD Data)		Rank
Total interest income	$9,311,000	3,319
Total interest expense	$4,123,000	3,084
Net interest income	$5,188,000	3,450
Provision for loan and lease losses	$137,000	4,886
Total noninterest income	$830,000	3,873
Gross Fiduciary activities income	$114,000	1,186
Service charges on deposit accounts	$100,000	8,366
Trading account gains and fees	$0	532
Additional Noninterest Income	$616,000	2,838
Total noninterest expense	$3,140,000	4,334
Salaries and employee benefits	$1,718,000	3,781
Premises and equipment expense	$273,000	6,295
Additional noninterest expense	$1,149,000	4,363
Pre-tax net operating income	$2,741,000	2,501
Securities gains (losses)	$0	7,477
Applicable income taxes	$785,000	2,799
Income before extraordinary items	$1,956,000	2,582
Extraordinary gains, net	$0	3,149
Net income	$1,956,000	2,671
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	6,663
Cash dividends	$520,000	2,971
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,956,000	2,433
1992-12-31 (YTD Data)		Rank
Total interest income	$9,634,000	3,619
Total interest expense	$4,852,000	3,406
Net interest income	$4,782,000	3,799
Provision for loan and lease losses	$210,000	5,090
Total noninterest income	$595,000	4,990
Gross Fiduciary activities income	$108,000	1,233
Service charges on deposit accounts	$93,000	8,723
Trading account gains and fees	$0	504
Additional Noninterest Income	$394,000	3,746
Total noninterest expense	$2,930,000	4,644
Salaries and employee benefits	$1,621,000	3,951
Premises and equipment expense	$262,000	6,577
Additional noninterest expense	$1,047,000	4,869
Pre-tax net operating income	$2,237,000	2,783
Securities gains (losses)	$0	8,369
Applicable income taxes	$635,000	3,275
Income before extraordinary items	$1,602,000	2,871
Extraordinary gains, net	$64,000	922
Net income	$1,666,000	2,808
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	6,766
Cash dividends	$460,000	2,984
Sale, conversion, retirement of capital stock, net	$2,400,000	275
Net operating income	$1,602,000	2,648

* 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.