Home > Steuben Trust Company > Income and Expense

Steuben Trust Company, Income and Expense

2020-03-31 (YTD Data)		Rank
Total interest income	$5,462,000	1,399
Total interest expense	$575,000	2,111
Net interest income	$4,887,000	1,283
Provision for loan and lease losses	$-19,000	5,055
Total noninterest income	$965,000	1,318
Gross Fiduciary activities income	$236,000	472
Service charges on deposit accounts	$315,000	902
Trading account gains and fees	NA	NA
Additional Noninterest Income	$414,000	1,694
Total noninterest expense	$3,855,000	1,366
Salaries and employee benefits	$2,195,000	1,387
Premises and equipment expense	$563,000	1,073
Additional noninterest expense	$1,097,000	1,407
Pre-tax net operating income	$2,016,000	1,028
Securities gains (losses)	$0	1,705
Applicable income taxes	$374,000	920
Income before extraordinary items	$1,642,000	1,101
Extraordinary gains, net	$0	4
Net income	$1,642,000	1,100
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,642,000	1,101
Net charge-offs	$16,000	1,683
Cash dividends	$601,000	1,132
Sale, conversion, retirement of capital stock, net	$3,000	462
Net operating income	$1,642,000	1,077
2019-12-31 (YTD Data)		Rank
Total interest income	$23,184,000	1,339
Total interest expense	$2,990,000	1,812
Net interest income	$20,194,000	1,250
Provision for loan and lease losses	$181,000	2,432
Total noninterest income	$4,165,000	1,276
Gross Fiduciary activities income	$1,057,000	448
Service charges on deposit accounts	$1,359,000	886
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,749,000	1,663
Total noninterest expense	$15,318,000	1,333
Salaries and employee benefits	$9,091,000	1,307
Premises and equipment expense	$1,995,000	1,170
Additional noninterest expense	$4,232,000	1,436
Pre-tax net operating income	$8,860,000	1,151
Securities gains (losses)	$0	2,379
Applicable income taxes	$1,627,000	1,037
Income before extraordinary items	$7,233,000	1,209
Extraordinary gains, net	$0	11
Net income	$7,233,000	1,209
Minority interest net income	$0	76
Net income of bank and minority interests.	$7,233,000	1,211
Net charge-offs	$171,000	1,809
Cash dividends	$2,342,000	1,435
Sale, conversion, retirement of capital stock, net	$20,000	579
Net operating income	$7,233,000	1,187
2019-09-30 (YTD Data)		Rank
Total interest income	$17,450,000	1,345
Total interest expense	$2,312,000	1,780
Net interest income	$15,138,000	1,261
Provision for loan and lease losses	$170,000	2,149
Total noninterest income	$3,041,000	1,289
Gross Fiduciary activities income	$742,000	458
Service charges on deposit accounts	$1,004,000	888
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,295,000	1,661
Total noninterest expense	$11,404,000	1,345
Salaries and employee benefits	$6,842,000	1,302
Premises and equipment expense	$1,509,000	1,176
Additional noninterest expense	$3,053,000	1,487
Pre-tax net operating income	$6,605,000	1,176
Securities gains (losses)	$0	2,167
Applicable income taxes	$1,295,000	1,036
Income before extraordinary items	$5,310,000	1,250
Extraordinary gains, net	$0	11
Net income	$5,310,000	1,252
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,310,000	1,252
Net charge-offs	$160,000	1,450
Cash dividends	$1,743,000	1,321
Sale, conversion, retirement of capital stock, net	$16,000	543
Net operating income	$5,310,000	1,223
2019-06-30 (YTD Data)		Rank
Total interest income	$11,633,000	1,339
Total interest expense	$1,511,000	1,783
Net interest income	$10,122,000	1,261
Provision for loan and lease losses	$158,000	1,761
Total noninterest income	$1,970,000	1,292
Gross Fiduciary activities income	$491,000	458
Service charges on deposit accounts	$638,000	907
Trading account gains and fees	NA	NA
Additional Noninterest Income	$841,000	1,665
Total noninterest expense	$7,645,000	1,338
Salaries and employee benefits	$4,560,000	1,299
Premises and equipment expense	$1,010,000	1,170
Additional noninterest expense	$2,075,000	1,480
Pre-tax net operating income	$4,289,000	1,173
Securities gains (losses)	$0	1,702
Applicable income taxes	$827,000	1,026
Income before extraordinary items	$3,462,000	1,246
Extraordinary gains, net	$0	11
Net income	$3,462,000	1,246
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,462,000	1,246
Net charge-offs	$148,000	1,177
Cash dividends	$1,152,000	1,317
Sale, conversion, retirement of capital stock, net	$13,000	528
Net operating income	$3,462,000	1,222
2019-03-31 (YTD Data)		Rank
Total interest income	$5,775,000	1,340
Total interest expense	$750,000	1,747
Net interest income	$5,025,000	1,260
Provision for loan and lease losses	$51,000	2,031
Total noninterest income	$943,000	1,285
Gross Fiduciary activities income	$238,000	467
Service charges on deposit accounts	$316,000	913
Trading account gains and fees	NA	NA
Additional Noninterest Income	$389,000	1,691
Total noninterest expense	$3,881,000	1,334
Salaries and employee benefits	$2,295,000	1,299
Premises and equipment expense	$518,000	1,151
Additional noninterest expense	$1,068,000	1,436
Pre-tax net operating income	$2,036,000	1,194
Securities gains (losses)	$0	1,087
Applicable income taxes	$386,000	1,075
Income before extraordinary items	$1,650,000	1,266
Extraordinary gains, net	$0	5
Net income	$1,650,000	1,265
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,650,000	1,265
Net charge-offs	$121,000	807
Cash dividends	$563,000	1,239
Sale, conversion, retirement of capital stock, net	$8,000	478
Net operating income	$1,650,000	1,245
2018-12-31 (YTD Data)		Rank
Total interest income	$21,515,000	1,355
Total interest expense	$2,259,000	1,781
Net interest income	$19,256,000	1,282
Provision for loan and lease losses	$559,000	1,370
Total noninterest income	$4,108,000	1,251
Gross Fiduciary activities income	$1,044,000	454
Service charges on deposit accounts	$1,329,000	908
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,735,000	1,636
Total noninterest expense	$14,242,000	1,413
Salaries and employee benefits	$8,562,000	1,346
Premises and equipment expense	$1,933,000	1,214
Additional noninterest expense	$3,747,000	1,595
Pre-tax net operating income	$8,563,000	1,168
Securities gains (losses)	$0	1,125
Applicable income taxes	$1,619,000	1,003
Income before extraordinary items	$6,944,000	1,227
Extraordinary gains, net	$0	6
Net income	$6,944,000	1,226
Minority interest net income	$0	72
Net income of bank and minority interests.	$6,944,000	1,226
Net charge-offs	$209,000	1,617
Cash dividends	$2,191,000	1,383
Sale, conversion, retirement of capital stock, net	$25,000	595
Net operating income	$6,944,000	1,225
2018-09-30 (YTD Data)		Rank
Total interest income	$15,878,000	1,356
Total interest expense	$1,620,000	1,766
Net interest income	$14,258,000	1,293
Provision for loan and lease losses	$423,000	1,279
Total noninterest income	$2,982,000	1,282
Gross Fiduciary activities income	$743,000	458
Service charges on deposit accounts	$982,000	919
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,257,000	1,691
Total noninterest expense	$10,567,000	1,432
Salaries and employee benefits	$6,397,000	1,345
Premises and equipment expense	$1,451,000	1,209
Additional noninterest expense	$2,719,000	1,630
Pre-tax net operating income	$6,250,000	1,199
Securities gains (losses)	$0	1,118
Applicable income taxes	$1,203,000	1,030
Income before extraordinary items	$5,047,000	1,264
Extraordinary gains, net	$0	5
Net income	$5,047,000	1,262
Minority interest net income	$0	66
Net income of bank and minority interests.	$5,047,000	1,263
Net charge-offs	$158,000	1,401
Cash dividends	$1,628,000	1,239
Sale, conversion, retirement of capital stock, net	$16,000	569
Net operating income	$5,047,000	1,258
2018-06-30 (YTD Data)		Rank
Total interest income	$10,359,000	1,367
Total interest expense	$950,000	1,847
Net interest income	$9,409,000	1,304
Provision for loan and lease losses	$248,000	1,356
Total noninterest income	$1,994,000	1,289
Gross Fiduciary activities income	$499,000	454
Service charges on deposit accounts	$654,000	917
Trading account gains and fees	NA	NA
Additional Noninterest Income	$841,000	1,687
Total noninterest expense	$7,042,000	1,436
Salaries and employee benefits	$4,238,000	1,357
Premises and equipment expense	$986,000	1,196
Additional noninterest expense	$1,818,000	1,630
Pre-tax net operating income	$4,113,000	1,194
Securities gains (losses)	$0	961
Applicable income taxes	$789,000	1,029
Income before extraordinary items	$3,324,000	1,244
Extraordinary gains, net	$0	6
Net income	$3,324,000	1,243
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,324,000	1,243
Net charge-offs	$58,000	1,659
Cash dividends	$1,076,000	1,244
Sale, conversion, retirement of capital stock, net	$8,000	578
Net operating income	$3,324,000	1,241
2018-03-31 (YTD Data)		Rank
Total interest income	$5,016,000	1,392
Total interest expense	$431,000	1,920
Net interest income	$4,585,000	1,329
Provision for loan and lease losses	$75,000	1,680
Total noninterest income	$994,000	1,277
Gross Fiduciary activities income	$259,000	454
Service charges on deposit accounts	$324,000	928
Trading account gains and fees	NA	NA
Additional Noninterest Income	$411,000	1,685
Total noninterest expense	$3,527,000	1,446
Salaries and employee benefits	$2,100,000	1,373
Premises and equipment expense	$512,000	1,171
Additional noninterest expense	$915,000	1,622
Pre-tax net operating income	$1,977,000	1,200
Securities gains (losses)	$0	735
Applicable income taxes	$369,000	1,063
Income before extraordinary items	$1,608,000	1,258
Extraordinary gains, net	$0	7
Net income	$1,608,000	1,258
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,608,000	1,258
Net charge-offs	$15,000	1,795
Cash dividends	$525,000	1,136
Sale, conversion, retirement of capital stock, net	$2,000	558
Net operating income	$1,608,000	1,248
2017-12-31 (YTD Data)		Rank
Total interest income	$19,229,000	1,394
Total interest expense	$1,303,000	2,133
Net interest income	$17,926,000	1,326
Provision for loan and lease losses	$405,000	1,634
Total noninterest income	$4,337,000	1,217
Gross Fiduciary activities income	$1,271,000	418
Service charges on deposit accounts	$1,339,000	915
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,727,000	1,673
Total noninterest expense	$13,501,000	1,483
Salaries and employee benefits	$8,103,000	1,395
Premises and equipment expense	$1,879,000	1,236
Additional noninterest expense	$3,519,000	1,705
Pre-tax net operating income	$8,357,000	1,140
Securities gains (losses)	$2,000	1,996
Applicable income taxes	$2,922,000	979
Income before extraordinary items	$5,437,000	1,269
Extraordinary gains, net	$0	9
Net income	$5,437,000	1,269
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,437,000	1,269
Net charge-offs	$145,000	2,115
Cash dividends	$2,050,000	1,391
Sale, conversion, retirement of capital stock, net	$12,000	664
Net operating income	$5,435,700	1,255
2017-09-30 (YTD Data)		Rank
Total interest income	$14,265,000	1,409
Total interest expense	$907,000	2,218
Net interest income	$13,358,000	1,338
Provision for loan and lease losses	$301,000	1,609
Total noninterest income	$3,315,000	1,231
Gross Fiduciary activities income	$985,000	415
Service charges on deposit accounts	$1,000,000	922
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,330,000	1,662
Total noninterest expense	$10,211,000	1,474
Salaries and employee benefits	$6,064,000	1,403
Premises and equipment expense	$1,407,000	1,250
Additional noninterest expense	$2,740,000	1,630
Pre-tax net operating income	$6,161,000	1,182
Securities gains (losses)	$2,000	2,024
Applicable income taxes	$1,796,000	989
Income before extraordinary items	$4,367,000	1,279
Extraordinary gains, net	$0	9
Net income	$4,367,000	1,279
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,367,000	1,279
Net charge-offs	$111,000	1,832
Cash dividends	$1,525,000	1,279
Sale, conversion, retirement of capital stock, net	$9,000	633
Net operating income	$4,365,580	1,259
2017-06-30 (YTD Data)		Rank
Total interest income	$9,426,000	1,408
Total interest expense	$534,000	2,366
Net interest income	$8,892,000	1,340
Provision for loan and lease losses	$232,000	1,451
Total noninterest income	$2,261,000	1,215
Gross Fiduciary activities income	$744,000	391
Service charges on deposit accounts	$665,000	914
Trading account gains and fees	NA	NA
Additional Noninterest Income	$852,000	1,705
Total noninterest expense	$6,851,000	1,470
Salaries and employee benefits	$4,067,000	1,393
Premises and equipment expense	$958,000	1,229
Additional noninterest expense	$1,826,000	1,628
Pre-tax net operating income	$4,070,000	1,178
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,176,000	990
Income before extraordinary items	$2,894,000	1,279
Extraordinary gains, net	$0	11
Net income	$2,894,000	1,279
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,894,000	1,279
Net charge-offs	$92,000	1,590
Cash dividends	$1,011,000	1,288
Sale, conversion, retirement of capital stock, net	$5,000	625
Net operating income	$2,894,000	1,262
2017-03-31 (YTD Data)		Rank
Total interest income	$4,636,000	1,417
Total interest expense	$269,000	2,338
Net interest income	$4,367,000	1,352
Provision for loan and lease losses	$79,000	1,668
Total noninterest income	$999,000	1,304
Gross Fiduciary activities income	$256,000	463
Service charges on deposit accounts	$323,000	935
Trading account gains and fees	NA	NA
Additional Noninterest Income	$420,000	1,703
Total noninterest expense	$3,345,000	1,501
Salaries and employee benefits	$1,969,000	1,449
Premises and equipment expense	$497,000	1,203
Additional noninterest expense	$879,000	1,687
Pre-tax net operating income	$1,942,000	1,198
Securities gains (losses)	$0	1,153
Applicable income taxes	$548,000	1,016
Income before extraordinary items	$1,394,000	1,302
Extraordinary gains, net	$0	8
Net income	$1,394,000	1,301
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,394,000	1,302
Net charge-offs	$50,000	1,332
Cash dividends	$496,000	1,256
Sale, conversion, retirement of capital stock, net	$2,000	601
Net operating income	$1,394,000	1,281
2016-12-31 (YTD Data)		Rank
Total interest income	$18,337,000	1,391
Total interest expense	$1,064,000	2,309
Net interest income	$17,273,000	1,324
Provision for loan and lease losses	$289,000	2,056
Total noninterest income	$4,082,000	1,315
Gross Fiduciary activities income	$1,053,000	445
Service charges on deposit accounts	$1,457,000	863
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,572,000	1,824
Total noninterest expense	$13,583,000	1,448
Salaries and employee benefits	$8,129,000	1,353
Premises and equipment expense	$1,945,000	1,209
Additional noninterest expense	$3,509,000	1,725
Pre-tax net operating income	$7,483,000	1,169
Securities gains (losses)	$33,000	2,104
Applicable income taxes	$2,070,000	1,021
Income before extraordinary items	$5,446,000	1,295
Extraordinary gains, net	$0	5
Net income	$5,446,000	1,294
Minority interest net income	$0	82
Net income of bank and minority interests.	$5,446,000	1,294
Net charge-offs	$-1,000	4,661
Cash dividends	$1,931,000	1,469
Sale, conversion, retirement of capital stock, net	$11,000	703
Net operating income	$5,422,240	1,269
2016-09-30 (YTD Data)		Rank
Total interest income	$13,649,000	1,400
Total interest expense	$791,000	2,330
Net interest income	$12,858,000	1,336
Provision for loan and lease losses	$203,000	2,027
Total noninterest income	$3,013,000	1,334
Gross Fiduciary activities income	$743,000	458
Service charges on deposit accounts	$1,097,000	860
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,173,000	1,844
Total noninterest expense	$10,080,000	1,463
Salaries and employee benefits	$6,079,000	1,355
Premises and equipment expense	$1,441,000	1,231
Additional noninterest expense	$2,560,000	1,757
Pre-tax net operating income	$5,588,000	1,192
Securities gains (losses)	$33,000	2,041
Applicable income taxes	$1,575,000	1,040
Income before extraordinary items	$4,046,000	1,323
Extraordinary gains, net	$0	5
Net income	$4,046,000	1,323
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,046,000	1,323
Net charge-offs	$-37,000	5,285
Cash dividends	$1,444,000	1,315
Sale, conversion, retirement of capital stock, net	$8,000	658
Net operating income	$4,022,240	1,287
2016-06-30 (YTD Data)		Rank
Total interest income	$9,057,000	1,407
Total interest expense	$510,000	2,395
Net interest income	$8,547,000	1,345
Provision for loan and lease losses	$143,000	1,999
Total noninterest income	$1,957,000	1,334
Gross Fiduciary activities income	$503,000	458
Service charges on deposit accounts	$701,000	885
Trading account gains and fees	$0	157
Additional Noninterest Income	$753,000	1,864
Total noninterest expense	$6,709,000	1,469
Salaries and employee benefits	$4,099,000	1,350
Premises and equipment expense	$963,000	1,226
Additional noninterest expense	$1,647,000	1,820
Pre-tax net operating income	$3,652,000	1,201
Securities gains (losses)	$8,000	2,318
Applicable income taxes	$1,018,000	1,065
Income before extraordinary items	$2,642,000	1,347
Extraordinary gains, net	$0	16
Net income	$2,642,000	1,346
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,642,000	1,347
Net charge-offs	$-17,000	5,151
Cash dividends	$956,000	1,370
Sale, conversion, retirement of capital stock, net	$5,000	649
Net operating income	$2,636,240	1,300
2016-03-31 (YTD Data)		Rank
Total interest income	$4,510,000	1,405
Total interest expense	$259,000	2,386
Net interest income	$4,251,000	1,353
Provision for loan and lease losses	$48,000	2,216
Total noninterest income	$922,000	1,388
Gross Fiduciary activities income	$253,000	456
Service charges on deposit accounts	$334,000	919
Trading account gains and fees	$0	142
Additional Noninterest Income	$335,000	1,963
Total noninterest expense	$3,321,000	1,475
Salaries and employee benefits	$2,041,000	1,363
Premises and equipment expense	$477,000	1,236
Additional noninterest expense	$803,000	1,848
Pre-tax net operating income	$1,804,000	1,192
Securities gains (losses)	$0	2,077
Applicable income taxes	$490,000	1,070
Income before extraordinary items	$1,314,000	1,314
Extraordinary gains, net	$0	12
Net income	$1,314,000	1,314
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,314,000	1,315
Net charge-offs	$-17,000	5,410
Cash dividends	$478,000	1,257
Sale, conversion, retirement of capital stock, net	$2,000	618
Net operating income	$1,314,000	1,277
2015-12-31 (YTD Data)		Rank
Total interest income	$17,338,000	1,432
Total interest expense	$998,000	2,424
Net interest income	$16,340,000	1,367
Provision for loan and lease losses	$310,000	1,865
Total noninterest income	$4,419,000	1,216
Gross Fiduciary activities income	$1,133,000	442
Service charges on deposit accounts	$1,511,000	853
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,775,000	1,664
Total noninterest expense	$13,506,000	1,448
Salaries and employee benefits	$8,155,000	1,326
Premises and equipment expense	$1,906,000	1,234
Additional noninterest expense	$3,445,000	1,760
Pre-tax net operating income	$6,943,000	1,207
Securities gains (losses)	$82,000	1,283
Applicable income taxes	$1,879,000	1,049
Income before extraordinary items	$5,146,000	1,317
Extraordinary gains, net	$0	23
Net income	$5,146,000	1,317
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,146,000	1,317
Net charge-offs	$120,000	2,499
Cash dividends	$1,872,000	1,426
Sale, conversion, retirement of capital stock, net	$3,000	779
Net operating income	$5,086,140	1,313
2015-09-30 (YTD Data)		Rank
Total interest income	$12,955,000	1,443
Total interest expense	$764,000	2,413
Net interest income	$12,191,000	1,384
Provision for loan and lease losses	$129,000	2,450
Total noninterest income	$3,242,000	1,246
Gross Fiduciary activities income	$774,000	453
Service charges on deposit accounts	$1,117,000	861
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,351,000	1,664
Total noninterest expense	$10,237,000	1,425
Salaries and employee benefits	$6,142,000	1,332
Premises and equipment expense	$1,432,000	1,254
Additional noninterest expense	$2,663,000	1,702
Pre-tax net operating income	$5,067,000	1,265
Securities gains (losses)	$76,000	1,191
Applicable income taxes	$1,395,000	1,086
Income before extraordinary items	$3,748,000	1,361
Extraordinary gains, net	$0	21
Net income	$3,748,000	1,361
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,748,000	1,361
Net charge-offs	$79,000	2,381
Cash dividends	$911,000	1,691
Sale, conversion, retirement of capital stock, net	$3,000	741
Net operating income	$3,692,520	1,353
2015-06-30 (YTD Data)		Rank
Total interest income	$8,598,000	1,458
Total interest expense	$527,000	2,371
Net interest income	$8,071,000	1,395
Provision for loan and lease losses	$69,000	2,586
Total noninterest income	$2,147,000	1,267
Gross Fiduciary activities income	$528,000	458
Service charges on deposit accounts	$790,000	816
Trading account gains and fees	$0	157
Additional Noninterest Income	$829,000	1,769
Total noninterest expense	$6,777,000	1,445
Salaries and employee benefits	$4,064,000	1,347
Premises and equipment expense	$952,000	1,252
Additional noninterest expense	$1,761,000	1,726
Pre-tax net operating income	$3,372,000	1,251
Securities gains (losses)	$76,000	976
Applicable income taxes	$948,000	1,071
Income before extraordinary items	$2,500,000	1,343
Extraordinary gains, net	$0	22
Net income	$2,500,000	1,344
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,500,000	1,344
Net charge-offs	$39,000	2,519
Cash dividends	$451,000	2,034
Sale, conversion, retirement of capital stock, net	$2,000	722
Net operating income	$2,444,520	1,328
2015-03-31 (YTD Data)		Rank
Total interest income	$4,275,000	1,459
Total interest expense	$276,000	2,316
Net interest income	$3,999,000	1,405
Provision for loan and lease losses	$51,000	2,048
Total noninterest income	$1,072,000	1,225
Gross Fiduciary activities income	$279,000	449
Service charges on deposit accounts	$379,000	819
Trading account gains and fees	$0	152
Additional Noninterest Income	$414,000	1,731
Total noninterest expense	$3,346,000	1,462
Salaries and employee benefits	$2,037,000	1,361
Premises and equipment expense	$459,000	1,308
Additional noninterest expense	$850,000	1,771
Pre-tax net operating income	$1,674,000	1,210
Securities gains (losses)	$0	2,027
Applicable income taxes	$463,000	1,068
Income before extraordinary items	$1,211,000	1,361
Extraordinary gains, net	$0	13
Net income	$1,211,000	1,362
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,211,000	1,363
Net charge-offs	$41,000	1,702
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$1,000	676
Net operating income	$1,211,000	1,318
2014-12-31 (YTD Data)		Rank
Total interest income	$16,498,000	1,507
Total interest expense	$1,029,000	2,532
Net interest income	$15,469,000	1,432
Provision for loan and lease losses	$357,000	1,814
Total noninterest income	$4,637,000	1,159
Gross Fiduciary activities income	$1,097,000	448
Service charges on deposit accounts	$1,781,000	764
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,759,000	1,608
Total noninterest expense	$12,995,000	1,464
Salaries and employee benefits	$7,813,000	1,355
Premises and equipment expense	$1,900,000	1,261
Additional noninterest expense	$3,282,000	1,876
Pre-tax net operating income	$6,754,000	1,196
Securities gains (losses)	$197,000	816
Applicable income taxes	$2,013,000	976
Income before extraordinary items	$4,938,000	1,326
Extraordinary gains, net	$0	17
Net income	$4,892,000	1,333
Minority interest net income	$46,000	59
Net income of bank and minority interests.	$4,938,000	1,325
Net charge-offs	$117,000	3,025
Cash dividends	$426,000	3,041
Sale, conversion, retirement of capital stock, net	$8,000	800
Net operating income	$4,798,130	1,321
2014-09-30 (YTD Data)		Rank
Total interest income	$12,258,000	1,533
Total interest expense	$759,000	2,589
Net interest income	$11,499,000	1,451
Provision for loan and lease losses	$267,000	1,756
Total noninterest income	$3,376,000	1,175
Gross Fiduciary activities income	$742,000	467
Service charges on deposit accounts	$1,333,000	766
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,301,000	1,621
Total noninterest expense	$9,647,000	1,491
Salaries and employee benefits	$5,816,000	1,364
Premises and equipment expense	$1,425,000	1,269
Additional noninterest expense	$2,406,000	1,915
Pre-tax net operating income	$4,961,000	1,229
Securities gains (losses)	$110,000	935
Applicable income taxes	$1,475,000	1,016
Income before extraordinary items	$3,596,000	1,349
Extraordinary gains, net	$0	15
Net income	$3,568,000	1,358
Minority interest net income	$28,000	61
Net income of bank and minority interests.	$3,596,000	1,349
Net charge-offs	$67,000	3,037
Cash dividends	$426,000	2,396
Sale, conversion, retirement of capital stock, net	$6,000	766
Net operating income	$3,517,900	1,348
2014-06-30 (YTD Data)		Rank
Total interest income	$8,061,000	1,546
Total interest expense	$489,000	2,669
Net interest income	$7,572,000	1,457
Provision for loan and lease losses	$187,000	1,705
Total noninterest income	$2,242,000	1,174
Gross Fiduciary activities income	$516,000	459
Service charges on deposit accounts	$864,000	777
Trading account gains and fees	$0	172
Additional Noninterest Income	$862,000	1,611
Total noninterest expense	$6,359,000	1,512
Salaries and employee benefits	$3,843,000	1,376
Premises and equipment expense	$971,000	1,248
Additional noninterest expense	$1,545,000	1,977
Pre-tax net operating income	$3,268,000	1,211
Securities gains (losses)	$86,000	875
Applicable income taxes	$967,000	989
Income before extraordinary items	$2,387,000	1,311
Extraordinary gains, net	$0	20
Net income	$2,359,000	1,327
Minority interest net income	$28,000	60
Net income of bank and minority interests.	$2,387,000	1,312
Net charge-offs	$47,000	2,837
Cash dividends	$426,000	1,982
Sale, conversion, retirement of capital stock, net	$6,000	712
Net operating income	$2,325,940	1,328
2014-03-31 (YTD Data)		Rank
Total interest income	$3,932,000	1,577
Total interest expense	$242,000	2,745
Net interest income	$3,690,000	1,482
Provision for loan and lease losses	$24,000	2,875
Total noninterest income	$1,069,000	1,182
Gross Fiduciary activities income	$225,000	489
Service charges on deposit accounts	$418,000	785
Trading account gains and fees	$0	147
Additional Noninterest Income	$426,000	1,568
Total noninterest expense	$3,226,000	1,491
Salaries and employee benefits	$1,975,000	1,360
Premises and equipment expense	$483,000	1,274
Additional noninterest expense	$768,000	1,971
Pre-tax net operating income	$1,509,000	1,243
Securities gains (losses)	$86,000	488
Applicable income taxes	$443,000	1,014
Income before extraordinary items	$1,152,000	1,313
Extraordinary gains, net	$0	16
Net income	$1,124,000	1,354
Minority interest net income	$28,000	42
Net income of bank and minority interests.	$1,152,000	1,315
Net charge-offs	$24,000	2,372
Cash dividends	$425,000	1,163
Sale, conversion, retirement of capital stock, net	$4,000	657
Net operating income	$1,090,080	1,366
2013-12-31 (YTD Data)		Rank
Total interest income	$15,704,000	1,589
Total interest expense	$989,000	2,963
Net interest income	$14,715,000	1,476
Provision for loan and lease losses	$154,000	3,248
Total noninterest income	$4,689,000	1,186
Gross Fiduciary activities income	$967,000	468
Service charges on deposit accounts	$1,914,000	730
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,808,000	1,636
Total noninterest expense	$12,622,000	1,530
Salaries and employee benefits	$7,617,000	1,380
Premises and equipment expense	$1,805,000	1,322
Additional noninterest expense	$3,200,000	1,968
Pre-tax net operating income	$6,628,000	1,117
Securities gains (losses)	$0	3,182
Applicable income taxes	$1,854,000	955
Income before extraordinary items	$4,774,000	1,276
Extraordinary gains, net	$0	29
Net income	$4,746,000	1,287
Minority interest net income	$28,000	66
Net income of bank and minority interests.	$4,774,000	1,279
Net charge-offs	$169,000	3,206
Cash dividends	$2,250,000	1,093
Sale, conversion, retirement of capital stock, net	$14,000	819
Net operating income	$4,774,000	1,254
2013-09-30 (YTD Data)		Rank
Total interest income	$11,748,000	1,611
Total interest expense	$744,000	3,040
Net interest income	$11,004,000	1,484
Provision for loan and lease losses	$59,000	3,861
Total noninterest income	$3,485,000	1,217
Gross Fiduciary activities income	$640,000	485
Service charges on deposit accounts	$1,419,000	744
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,426,000	1,611
Total noninterest expense	$9,565,000	1,521
Salaries and employee benefits	$5,748,000	1,376
Premises and equipment expense	$1,339,000	1,341
Additional noninterest expense	$2,478,000	1,900
Pre-tax net operating income	$4,865,000	1,173
Securities gains (losses)	$0	3,040
Applicable income taxes	$1,387,000	989
Income before extraordinary items	$3,478,000	1,314
Extraordinary gains, net	$0	25
Net income	$3,450,000	1,323
Minority interest net income	$28,000	60
Net income of bank and minority interests.	$3,478,000	1,316
Net charge-offs	$154,000	2,837
Cash dividends	$250,000	2,769
Sale, conversion, retirement of capital stock, net	$9,000	784
Net operating income	$3,478,000	1,284
2013-06-30 (YTD Data)		Rank
Total interest income	$7,856,000	1,596
Total interest expense	$504,000	3,057
Net interest income	$7,352,000	1,465
Provision for loan and lease losses	$34,000	3,899
Total noninterest income	$2,271,000	1,247
Gross Fiduciary activities income	$420,000	491
Service charges on deposit accounts	$913,000	761
Trading account gains and fees	$0	157
Additional Noninterest Income	$938,000	1,655
Total noninterest expense	$6,394,000	1,518
Salaries and employee benefits	$3,825,000	1,378
Premises and equipment expense	$889,000	1,341
Additional noninterest expense	$1,680,000	1,872
Pre-tax net operating income	$3,195,000	1,166
Securities gains (losses)	$0	2,791
Applicable income taxes	$917,000	1,002
Income before extraordinary items	$2,278,000	1,331
Extraordinary gains, net	$0	22
Net income	$2,250,000	1,349
Minority interest net income	$28,000	58
Net income of bank and minority interests.	$2,278,000	1,333
Net charge-offs	$34,000	3,652
Cash dividends	$250,000	2,371
Sale, conversion, retirement of capital stock, net	$6,000	752
Net operating income	$2,278,000	1,277
2013-03-31 (YTD Data)		Rank
Total interest income	$3,947,000	1,597
Total interest expense	$251,000	3,139
Net interest income	$3,696,000	1,450
Provision for loan and lease losses	$4,000	4,247
Total noninterest income	$1,108,000	1,259
Gross Fiduciary activities income	$210,000	505
Service charges on deposit accounts	$443,000	776
Trading account gains and fees	$0	148
Additional Noninterest Income	$455,000	1,682
Total noninterest expense	$3,235,000	1,516
Salaries and employee benefits	$1,930,000	1,380
Premises and equipment expense	$431,000	1,416
Additional noninterest expense	$874,000	1,813
Pre-tax net operating income	$1,565,000	1,167
Securities gains (losses)	$0	1,966
Applicable income taxes	$447,000	1,005
Income before extraordinary items	$1,118,000	1,337
Extraordinary gains, net	$0	10
Net income	$1,090,000	1,361
Minority interest net income	$28,000	54
Net income of bank and minority interests.	$1,118,000	1,339
Net charge-offs	$4,000	3,745
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$3,000	708
Net operating income	$1,118,000	1,281
2012-12-31 (YTD Data)		Rank
Total interest income	$15,725,000	1,688
Total interest expense	$1,281,000	3,065
Net interest income	$14,444,000	1,523
Provision for loan and lease losses	$166,000	4,174
Total noninterest income	$4,338,000	1,258
Gross Fiduciary activities income	$868,000	484
Service charges on deposit accounts	$1,841,000	775
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,629,000	1,764
Total noninterest expense	$12,636,000	1,540
Salaries and employee benefits	$7,793,000	1,326
Premises and equipment expense	$1,796,000	1,320
Additional noninterest expense	$3,047,000	2,130
Pre-tax net operating income	$5,980,000	1,185
Securities gains (losses)	$149,000	1,957
Applicable income taxes	$1,666,000	1,012
Income before extraordinary items	$4,463,000	1,322
Extraordinary gains, net	$0	29
Net income	$4,435,000	1,332
Minority interest net income	$28,000	67
Net income of bank and minority interests.	$4,463,000	1,323
Net charge-offs	$106,000	4,376
Cash dividends	$4,164,000	670
Sale, conversion, retirement of capital stock, net	$11,000	902
Net operating income	$4,354,230	1,288
2012-09-30 (YTD Data)		Rank
Total interest income	$11,774,000	1,718
Total interest expense	$1,022,000	3,024
Net interest income	$10,752,000	1,544
Provision for loan and lease losses	$80,000	4,589
Total noninterest income	$3,198,000	1,284
Gross Fiduciary activities income	$602,000	500
Service charges on deposit accounts	$1,361,000	787
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,235,000	1,748
Total noninterest expense	$9,519,000	1,535
Salaries and employee benefits	$5,912,000	1,307
Premises and equipment expense	$1,332,000	1,353
Additional noninterest expense	$2,275,000	2,140
Pre-tax net operating income	$4,351,000	1,234
Securities gains (losses)	$149,000	1,668
Applicable income taxes	$1,256,000	1,028
Income before extraordinary items	$3,244,000	1,390
Extraordinary gains, net	$0	20
Net income	$3,216,000	1,398
Minority interest net income	$28,000	65
Net income of bank and minority interests.	$3,244,000	1,391
Net charge-offs	$60,000	4,391
Cash dividends	$2,113,000	735
Sale, conversion, retirement of capital stock, net	$8,000	866
Net operating income	$3,136,720	1,348
2012-06-30 (YTD Data)		Rank
Total interest income	$7,838,000	1,723
Total interest expense	$703,000	3,046
Net interest income	$7,135,000	1,560
Provision for loan and lease losses	$26,000	4,998
Total noninterest income	$2,069,000	1,301
Gross Fiduciary activities income	$403,000	498
Service charges on deposit accounts	$904,000	783
Trading account gains and fees	$0	153
Additional Noninterest Income	$762,000	1,809
Total noninterest expense	$6,359,000	1,536
Salaries and employee benefits	$3,992,000	1,300
Premises and equipment expense	$860,000	1,381
Additional noninterest expense	$1,507,000	2,148
Pre-tax net operating income	$2,819,000	1,267
Securities gains (losses)	$88,000	1,685
Applicable income taxes	$804,000	1,056
Income before extraordinary items	$2,103,000	1,413
Extraordinary gains, net	$0	19
Net income	$2,075,000	1,436
Minority interest net income	$28,000	62
Net income of bank and minority interests.	$2,103,000	1,413
Net charge-offs	$56,000	3,930
Cash dividends	$1,472,000	712
Sale, conversion, retirement of capital stock, net	$5,000	848
Net operating income	$2,039,640	1,370
2012-03-31 (YTD Data)		Rank
Total interest income	$3,906,000	1,744
Total interest expense	$357,000	3,100
Net interest income	$3,549,000	1,579
Provision for loan and lease losses	$8,000	4,929
Total noninterest income	$1,071,000	1,264
Gross Fiduciary activities income	$206,000	494
Service charges on deposit accounts	$455,000	771
Trading account gains and fees	$0	148
Additional Noninterest Income	$410,000	1,727
Total noninterest expense	$3,195,000	1,534
Salaries and employee benefits	$2,033,000	1,278
Premises and equipment expense	$422,000	1,418
Additional noninterest expense	$740,000	2,180
Pre-tax net operating income	$1,417,000	1,240
Securities gains (losses)	$0	2,210
Applicable income taxes	$395,000	1,083
Income before extraordinary items	$1,022,000	1,426
Extraordinary gains, net	$0	19
Net income	$994,000	1,471
Minority interest net income	$28,000	53
Net income of bank and minority interests.	$1,022,000	1,427
Net charge-offs	$58,000	2,905
Cash dividends	$636,000	722
Sale, conversion, retirement of capital stock, net	$2,000	805
Net operating income	$1,022,000	1,350
2011-12-31 (YTD Data)		Rank
Total interest income	$16,039,000	1,756
Total interest expense	$1,702,000	3,127
Net interest income	$14,337,000	1,555
Provision for loan and lease losses	$583,000	3,240
Total noninterest income	$4,270,000	1,183
Gross Fiduciary activities income	$854,000	432
Service charges on deposit accounts	$1,795,000	822
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,621,000	1,562
Total noninterest expense	$12,382,000	1,581
Salaries and employee benefits	$7,585,000	1,298
Premises and equipment expense	$1,747,000	1,429
Additional noninterest expense	$3,050,000	2,180
Pre-tax net operating income	$5,642,000	1,064
Securities gains (losses)	$334,000	1,057
Applicable income taxes	$1,636,000	932
Income before extraordinary items	$4,340,000	1,160
Extraordinary gains, net	$0	29
Net income	$4,312,000	1,164
Minority interest net income	$28,000	69
Net income of bank and minority interests.	$4,340,000	1,160
Net charge-offs	$218,000	4,197
Cash dividends	$1,699,000	1,105
Sale, conversion, retirement of capital stock, net	$9,000	1,020
Net operating income	$4,096,180	1,151
2011-09-30 (YTD Data)		Rank
Total interest income	$12,017,000	1,782
Total interest expense	$1,309,000	3,179
Net interest income	$10,708,000	1,575
Provision for loan and lease losses	$300,000	3,601
Total noninterest income	$3,126,000	1,205
Gross Fiduciary activities income	$632,000	429
Service charges on deposit accounts	$1,282,000	861
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,212,000	1,550
Total noninterest expense	$9,353,000	1,563
Salaries and employee benefits	$5,730,000	1,296
Premises and equipment expense	$1,313,000	1,441
Additional noninterest expense	$2,310,000	2,163
Pre-tax net operating income	$4,181,000	1,102
Securities gains (losses)	$229,000	1,117
Applicable income taxes	$1,247,000	918
Income before extraordinary items	$3,163,000	1,229
Extraordinary gains, net	$0	21
Net income	$3,135,000	1,238
Minority interest net income	$28,000	64
Net income of bank and minority interests.	$3,163,000	1,229
Net charge-offs	$110,000	4,336
Cash dividends	$1,263,000	967
Sale, conversion, retirement of capital stock, net	$7,000	954
Net operating income	$2,998,120	1,226
2011-06-30 (YTD Data)		Rank
Total interest income	$7,917,000	1,811
Total interest expense	$885,000	3,257
Net interest income	$7,032,000	1,605
Provision for loan and lease losses	$172,000	3,748
Total noninterest income	$2,035,000	1,212
Gross Fiduciary activities income	$420,000	436
Service charges on deposit accounts	$816,000	896
Trading account gains and fees	$0	153
Additional Noninterest Income	$799,000	1,570
Total noninterest expense	$6,285,000	1,568
Salaries and employee benefits	$3,824,000	1,305
Premises and equipment expense	$905,000	1,402
Additional noninterest expense	$1,556,000	2,183
Pre-tax net operating income	$2,610,000	1,145
Securities gains (losses)	$229,000	667
Applicable income taxes	$775,000	947
Income before extraordinary items	$2,064,000	1,204
Extraordinary gains, net	$0	15
Net income	$2,036,000	1,228
Minority interest net income	$28,000	63
Net income of bank and minority interests.	$2,064,000	1,204
Net charge-offs	$82,000	4,037
Cash dividends	$836,000	947
Sale, conversion, retirement of capital stock, net	$4,000	914
Net operating income	$1,896,830	1,259
2011-03-31 (YTD Data)		Rank
Total interest income	$3,913,000	1,841
Total interest expense	$451,000	3,304
Net interest income	$3,462,000	1,614
Provision for loan and lease losses	$14,000	5,282
Total noninterest income	$987,000	1,222
Gross Fiduciary activities income	$197,000	455
Service charges on deposit accounts	$385,000	931
Trading account gains and fees	$0	158
Additional Noninterest Income	$405,000	1,553
Total noninterest expense	$3,169,000	1,554
Salaries and employee benefits	$1,939,000	1,295
Premises and equipment expense	$460,000	1,408
Additional noninterest expense	$770,000	2,182
Pre-tax net operating income	$1,266,000	1,158
Securities gains (losses)	$83,000	595
Applicable income taxes	$356,000	974
Income before extraordinary items	$993,000	1,248
Extraordinary gains, net	$0	9
Net income	$965,000	1,278
Minority interest net income	$28,000	62
Net income of bank and minority interests.	$993,000	1,248
Net charge-offs	$14,000	4,237
Cash dividends	$417,000	865
Sale, conversion, retirement of capital stock, net	$2,000	861
Net operating income	$931,580	1,277
2010-12-31 (YTD Data)		Rank
Total interest income	$16,332,000	1,850
Total interest expense	$2,362,000	3,128
Net interest income	$13,970,000	1,597
Provision for loan and lease losses	$165,000	5,547
Total noninterest income	$4,259,000	1,207
Gross Fiduciary activities income	$803,000	447
Service charges on deposit accounts	$1,759,000	868
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,697,000	1,562
Total noninterest expense	$12,715,000	1,559
Salaries and employee benefits	$7,821,000	1,257
Premises and equipment expense	$1,783,000	1,437
Additional noninterest expense	$3,111,000	2,228
Pre-tax net operating income	$5,349,000	973
Securities gains (losses)	$303,000	1,255
Applicable income taxes	$1,533,000	894
Income before extraordinary items	$4,119,000	1,052
Extraordinary gains, net	$0	29
Net income	$4,091,000	1,063
Minority interest net income	$28,000	80
Net income of bank and minority interests.	$4,119,000	1,055
Net charge-offs	$250,000	4,525
Cash dividends	$1,808,000	894
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$3,897,810	1,067
2010-09-30 (YTD Data)		Rank
Total interest income	$12,306,000	1,881
Total interest expense	$1,839,000	3,162
Net interest income	$10,467,000	1,623
Provision for loan and lease losses	$46,000	6,290
Total noninterest income	$3,157,000	1,210
Gross Fiduciary activities income	$569,000	455
Service charges on deposit accounts	$1,329,000	886
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,259,000	1,540
Total noninterest expense	$9,466,000	1,564
Salaries and employee benefits	$5,821,000	1,270
Premises and equipment expense	$1,335,000	1,460
Additional noninterest expense	$2,310,000	2,217
Pre-tax net operating income	$4,112,000	991
Securities gains (losses)	$91,000	2,011
Applicable income taxes	$1,145,000	914
Income before extraordinary items	$3,058,000	1,111
Extraordinary gains, net	$0	23
Net income	$3,030,000	1,120
Minority interest net income	$28,000	82
Net income of bank and minority interests.	$3,058,000	1,114
Net charge-offs	$171,000	4,385
Cash dividends	$1,190,000	912
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,991,570	1,087
2010-06-30 (YTD Data)		Rank
Total interest income	$8,237,000	1,903
Total interest expense	$1,244,000	3,220
Net interest income	$6,993,000	1,615
Provision for loan and lease losses	$78,000	5,413
Total noninterest income	$2,091,000	1,197
Gross Fiduciary activities income	$388,000	457
Service charges on deposit accounts	$889,000	884
Trading account gains and fees	$0	152
Additional Noninterest Income	$814,000	1,505
Total noninterest expense	$6,378,000	1,549
Salaries and employee benefits	$3,955,000	1,241
Premises and equipment expense	$891,000	1,474
Additional noninterest expense	$1,532,000	2,217
Pre-tax net operating income	$2,628,000	1,019
Securities gains (losses)	$81,000	1,568
Applicable income taxes	$732,000	899
Income before extraordinary items	$1,977,000	1,131
Extraordinary gains, net	$0	19
Net income	$1,949,000	1,145
Minority interest net income	$28,000	71
Net income of bank and minority interests.	$1,977,000	1,132
Net charge-offs	$18,000	5,558
Cash dividends	$788,000	895
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,917,870	1,116
2010-03-31 (YTD Data)		Rank
Total interest income	$4,153,000	1,931
Total interest expense	$612,000	3,385
Net interest income	$3,541,000	1,617
Provision for loan and lease losses	$25,000	5,585
Total noninterest income	$1,036,000	1,196
Gross Fiduciary activities income	$203,000	460
Service charges on deposit accounts	$441,000	885
Trading account gains and fees	$0	175
Additional Noninterest Income	$392,000	1,529
Total noninterest expense	$3,207,000	1,567
Salaries and employee benefits	$1,990,000	1,252
Premises and equipment expense	$445,000	1,517
Additional noninterest expense	$772,000	2,199
Pre-tax net operating income	$1,345,000	992
Securities gains (losses)	$0	2,284
Applicable income taxes	$366,000	894
Income before extraordinary items	$979,000	1,109
Extraordinary gains, net	$0	16
Net income	$951,000	1,148
Minority interest net income	$28,000	57
Net income of bank and minority interests.	$979,000	1,111
Net charge-offs	$25,000	4,275
Cash dividends	$386,000	894
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$979,000	1,076
2009-12-31 (YTD Data)		Rank
Total interest income	$17,575,000	1,921
Total interest expense	$2,931,000	3,465
Net interest income	$14,644,000	1,540
Provision for loan and lease losses	$528,000	4,463
Total noninterest income	$4,287,000	1,234
Gross Fiduciary activities income	$769,000	448
Service charges on deposit accounts	$2,040,000	845
Trading account gains and fees	$0	211
Additional Noninterest Income	$1,478,000	1,666
Total noninterest expense	$12,787,000	1,614
Salaries and employee benefits	$7,573,000	1,310
Premises and equipment expense	$1,802,000	1,496
Additional noninterest expense	$3,412,000	2,097
Pre-tax net operating income	$5,616,000	754
Securities gains (losses)	$131,000	1,897
Applicable income taxes	$1,542,000	689
Income before extraordinary items	$4,205,000	822
Extraordinary gains, net	$0	34
Net income	$4,177,000	825
Minority interest net income	$28,000	79
Net income of bank and minority interests.	$4,205,000	822
Net charge-offs	$393,000	4,121
Cash dividends	$1,816,000	999
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$4,109,370	828
2009-09-30 (YTD Data)		Rank
Total interest income	$13,216,000	1,954
Total interest expense	$2,295,000	3,497
Net interest income	$10,921,000	1,542
Provision for loan and lease losses	$329,000	4,455
Total noninterest income	$3,211,000	1,247
Gross Fiduciary activities income	$579,000	447
Service charges on deposit accounts	$1,509,000	853
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,123,000	1,682
Total noninterest expense	$9,729,000	1,581
Salaries and employee benefits	$5,737,000	1,314
Premises and equipment expense	$1,349,000	1,516
Additional noninterest expense	$2,643,000	1,999
Pre-tax net operating income	$4,074,000	829
Securities gains (losses)	$101,000	1,834
Applicable income taxes	$1,124,000	774
Income before extraordinary items	$3,051,000	888
Extraordinary gains, net	$0	27
Net income	$3,023,000	899
Minority interest net income	$28,000	85
Net income of bank and minority interests.	$3,051,000	889
Net charge-offs	$279,000	3,821
Cash dividends	$1,230,000	1,038
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,977,270	909
2009-06-30 (YTD Data)		Rank
Total interest income	$8,862,000	1,981
Total interest expense	$1,616,000	3,478
Net interest income	$7,246,000	1,548
Provision for loan and lease losses	$211,000	4,243
Total noninterest income	$2,124,000	1,279
Gross Fiduciary activities income	$383,000	448
Service charges on deposit accounts	$964,000	882
Trading account gains and fees	$0	193
Additional Noninterest Income	$777,000	1,690
Total noninterest expense	$6,613,000	1,580
Salaries and employee benefits	$3,843,000	1,338
Premises and equipment expense	$906,000	1,540
Additional noninterest expense	$1,864,000	1,918
Pre-tax net operating income	$2,546,000	898
Securities gains (losses)	$0	3,136
Applicable income taxes	$656,000	865
Income before extraordinary items	$1,890,000	1,005
Extraordinary gains, net	$0	21
Net income	$1,862,000	1,022
Minority interest net income	$28,000	77
Net income of bank and minority interests.	$1,890,000	1,005
Net charge-offs	$171,000	3,624
Cash dividends	$854,000	1,076
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,890,000	976
2009-03-31 (YTD Data)		Rank
Total interest income	$4,436,000	2,000
Total interest expense	$847,000	3,472
Net interest income	$3,589,000	1,549
Provision for loan and lease losses	$68,000	4,513
Total noninterest income	$995,000	1,290
Gross Fiduciary activities income	$194,000	450
Service charges on deposit accounts	$464,000	882
Trading account gains and fees	$0	171
Additional Noninterest Income	$337,000	1,805
Total noninterest expense	$3,259,000	1,544
Salaries and employee benefits	$1,906,000	1,366
Premises and equipment expense	$467,000	1,525
Additional noninterest expense	$886,000	1,816
Pre-tax net operating income	$1,257,000	1,016
Securities gains (losses)	$0	2,434
Applicable income taxes	$330,000	978
Income before extraordinary items	$927,000	1,172
Extraordinary gains, net	$0	15
Net income	$899,000	1,218
Minority interest net income	$28,000	66
Net income of bank and minority interests.	$927,000	1,174
Net charge-offs	$68,000	3,259
Cash dividends	$478,000	938
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$927,000	1,100
2008-12-31 (YTD Data)		Rank
Total interest income	$18,171,000	2,096
Total interest expense	$4,493,000	3,225
Net interest income	$13,678,000	1,629
Provision for loan and lease losses	$680,000	3,289
Total noninterest income	$4,421,000	1,180
Gross Fiduciary activities income	$1,121,000	385
Service charges on deposit accounts	$2,092,000	842
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,208,000	1,870
Total noninterest expense	$11,817,000	1,654
Salaries and employee benefits	$6,893,000	1,500
Premises and equipment expense	$1,888,000	1,468
Additional noninterest expense	$3,036,000	1,990
Pre-tax net operating income	$5,602,000	997
Securities gains (losses)	$10,000	2,511
Applicable income taxes	$1,572,000	841
Income before extraordinary items	$4,040,000	1,036
Extraordinary gains, net	$0	39
Net income	$4,040,000	1,035
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$570,000	2,621
Cash dividends	$1,854,000	1,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$4,032,800	1,108
2008-09-30 (YTD Data)		Rank
Total interest income	$13,678,000	2,134
Total interest expense	$3,482,000	3,259
Net interest income	$10,196,000	1,653
Provision for loan and lease losses	$421,000	2,994
Total noninterest income	$3,419,000	1,179
Gross Fiduciary activities income	$823,000	395
Service charges on deposit accounts	$1,551,000	853
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,045,000	1,759
Total noninterest expense	$8,937,000	1,632
Salaries and employee benefits	$5,178,000	1,528
Premises and equipment expense	$1,435,000	1,452
Additional noninterest expense	$2,324,000	1,899
Pre-tax net operating income	$4,257,000	1,187
Securities gains (losses)	$10,000	2,365
Applicable income taxes	$1,252,000	970
Income before extraordinary items	$3,015,000	1,237
Extraordinary gains, net	$0	31
Net income	$3,015,000	1,236
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$386,000	2,260
Cash dividends	$1,494,000	1,333
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$3,007,900	1,310
2008-06-30 (YTD Data)		Rank
Total interest income	$9,213,000	2,141
Total interest expense	$2,458,000	3,232
Net interest income	$6,755,000	1,663
Provision for loan and lease losses	$292,000	2,604
Total noninterest income	$2,187,000	1,231
Gross Fiduciary activities income	$507,000	420
Service charges on deposit accounts	$987,000	884
Trading account gains and fees	$0	149
Additional Noninterest Income	$693,000	1,804
Total noninterest expense	$6,069,000	1,606
Salaries and employee benefits	$3,513,000	1,499
Premises and equipment expense	$954,000	1,459
Additional noninterest expense	$1,602,000	1,804
Pre-tax net operating income	$2,581,000	1,343
Securities gains (losses)	$10,000	2,438
Applicable income taxes	$735,000	1,186
Income before extraordinary items	$1,856,000	1,479
Extraordinary gains, net	$0	21
Net income	$1,856,000	1,480
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$257,000	1,950
Cash dividends	$1,142,000	1,275
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,848,800	1,455
2008-03-31 (YTD Data)		Rank
Total interest income	$4,626,000	2,185
Total interest expense	$1,370,000	3,120
Net interest income	$3,256,000	1,703
Provision for loan and lease losses	$81,000	3,044
Total noninterest income	$1,032,000	1,308
Gross Fiduciary activities income	$244,000	425
Service charges on deposit accounts	$470,000	922
Trading account gains and fees	$0	158
Additional Noninterest Income	$318,000	1,901
Total noninterest expense	$2,979,000	1,632
Salaries and employee benefits	$1,719,000	1,550
Premises and equipment expense	$464,000	1,501
Additional noninterest expense	$796,000	1,783
Pre-tax net operating income	$1,228,000	1,498
Securities gains (losses)	$10,000	1,965
Applicable income taxes	$346,000	1,333
Income before extraordinary items	$892,000	1,665
Extraordinary gains, net	$0	15
Net income	$892,000	1,667
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	2,124
Cash dividends	$806,000	902
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$884,800	1,616
2007-12-31 (YTD Data)		Rank
Total interest income	$18,789,000	2,196
Total interest expense	$6,355,000	2,868
Net interest income	$12,434,000	1,824
Provision for loan and lease losses	$356,000	2,890
Total noninterest income	$4,210,000	1,251
Gross Fiduciary activities income	$935,000	436
Service charges on deposit accounts	$2,096,000	852
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,179,000	1,989
Total noninterest expense	$11,511,000	1,597
Salaries and employee benefits	$6,694,000	1,513
Premises and equipment expense	$2,009,000	1,321
Additional noninterest expense	$2,808,000	1,970
Pre-tax net operating income	$4,777,000	1,712
Securities gains (losses)	$19,000	1,121
Applicable income taxes	$1,328,000	1,533
Income before extraordinary items	$3,468,000	1,811
Extraordinary gains, net	$0	39
Net income	$3,468,000	1,810
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$511,000	1,663
Cash dividends	$1,696,000	1,835
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$3,454,320	1,809
2007-09-30 (YTD Data)		Rank
Total interest income	$14,083,000	2,196
Total interest expense	$4,808,000	2,837
Net interest income	$9,275,000	1,837
Provision for loan and lease losses	$205,000	2,962
Total noninterest income	$3,074,000	1,278
Gross Fiduciary activities income	$672,000	441
Service charges on deposit accounts	$1,570,000	838
Trading account gains and fees	$0	184
Additional Noninterest Income	$832,000	2,077
Total noninterest expense	$8,507,000	1,605
Salaries and employee benefits	$4,996,000	1,511
Premises and equipment expense	$1,520,000	1,302
Additional noninterest expense	$1,991,000	2,011
Pre-tax net operating income	$3,637,000	1,798
Securities gains (losses)	$0	1,655
Applicable income taxes	$1,056,000	1,578
Income before extraordinary items	$2,581,000	1,951
Extraordinary gains, net	$0	33
Net income	$2,581,000	1,949
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$260,000	1,653
Cash dividends	$1,377,000	1,611
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,581,000	1,940
2007-06-30 (YTD Data)		Rank
Total interest income	$9,376,000	2,219
Total interest expense	$3,207,000	2,827
Net interest income	$6,169,000	1,866
Provision for loan and lease losses	$201,000	2,148
Total noninterest income	$1,905,000	1,377
Gross Fiduciary activities income	$389,000	490
Service charges on deposit accounts	$1,026,000	869
Trading account gains and fees	$0	168
Additional Noninterest Income	$490,000	2,273
Total noninterest expense	$5,661,000	1,626
Salaries and employee benefits	$3,355,000	1,531
Premises and equipment expense	$1,022,000	1,310
Additional noninterest expense	$1,284,000	2,088
Pre-tax net operating income	$2,212,000	1,988
Securities gains (losses)	$0	1,444
Applicable income taxes	$635,000	1,771
Income before extraordinary items	$1,577,000	2,129
Extraordinary gains, net	$0	29
Net income	$1,577,000	2,128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$201,000	1,337
Cash dividends	$863,000	1,735
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,577,000	2,109
2007-03-31 (YTD Data)		Rank
Total interest income	$4,591,000	2,263
Total interest expense	$1,569,000	2,869
Net interest income	$3,022,000	1,906
Provision for loan and lease losses	$61,000	2,735
Total noninterest income	$940,000	1,372
Gross Fiduciary activities income	$194,000	491
Service charges on deposit accounts	$512,000	834
Trading account gains and fees	$0	195
Additional Noninterest Income	$234,000	2,318
Total noninterest expense	$2,845,000	1,621
Salaries and employee benefits	$1,665,000	1,566
Premises and equipment expense	$508,000	1,322
Additional noninterest expense	$672,000	1,968
Pre-tax net operating income	$1,056,000	2,074
Securities gains (losses)	$0	1,187
Applicable income taxes	$301,000	1,852
Income before extraordinary items	$755,000	2,167
Extraordinary gains, net	$0	22
Net income	$755,000	2,167
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	1,571
Cash dividends	$382,000	1,721
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$755,000	2,159
2006-12-31 (YTD Data)		Rank
Total interest income	$17,950,000	2,180
Total interest expense	$5,247,000	2,911
Net interest income	$12,703,000	1,812
Provision for loan and lease losses	$430,000	2,148
Total noninterest income	$4,282,000	1,239
Gross Fiduciary activities income	$832,000	457
Service charges on deposit accounts	$2,238,000	789
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,212,000	1,948
Total noninterest expense	$11,997,000	1,488
Salaries and employee benefits	$6,434,000	1,538
Premises and equipment expense	$2,349,000	1,074
Additional noninterest expense	$3,214,000	1,631
Pre-tax net operating income	$4,558,000	2,031
Securities gains (losses)	$5,000	1,264
Applicable income taxes	$1,317,000	1,852
Income before extraordinary items	$3,246,000	2,136
Extraordinary gains, net	$0	51
Net income	$3,246,000	2,137
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$235,000	1,983
Cash dividends	$5,017,000	704
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$3,242,450	2,130
2006-09-30 (YTD Data)		Rank
Total interest income	$13,337,000	2,192
Total interest expense	$3,725,000	2,966
Net interest income	$9,612,000	1,819
Provision for loan and lease losses	$276,000	2,292
Total noninterest income	$3,256,000	1,230
Gross Fiduciary activities income	$633,000	451
Service charges on deposit accounts	$1,656,000	807
Trading account gains and fees	$0	126
Additional Noninterest Income	$967,000	1,866
Total noninterest expense	$9,074,000	1,478
Salaries and employee benefits	$4,831,000	1,544
Premises and equipment expense	$1,800,000	1,060
Additional noninterest expense	$2,443,000	1,613
Pre-tax net operating income	$3,518,000	2,055
Securities gains (losses)	$5,000	1,041
Applicable income taxes	$1,059,000	1,815
Income before extraordinary items	$2,464,000	2,173
Extraordinary gains, net	$0	45
Net income	$2,464,000	2,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	2,587
Cash dividends	$4,644,000	556
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,460,500	2,162
2006-06-30 (YTD Data)		Rank
Total interest income	$8,787,000	2,182
Total interest expense	$2,287,000	3,055
Net interest income	$6,500,000	1,792
Provision for loan and lease losses	$173,000	2,372
Total noninterest income	$2,008,000	1,306
Gross Fiduciary activities income	$321,000	527
Service charges on deposit accounts	$1,049,000	829
Trading account gains and fees	$0	126
Additional Noninterest Income	$638,000	1,881
Total noninterest expense	$6,102,000	1,477
Salaries and employee benefits	$3,211,000	1,550
Premises and equipment expense	$1,248,000	1,010
Additional noninterest expense	$1,643,000	1,602
Pre-tax net operating income	$2,233,000	2,131
Securities gains (losses)	$8,000	776
Applicable income taxes	$690,000	1,864
Income before extraordinary items	$1,551,000	2,282
Extraordinary gains, net	$0	39
Net income	$1,551,000	2,285
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,609
Cash dividends	$884,000	1,607
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,545,480	2,270
2006-03-31 (YTD Data)		Rank
Total interest income	$4,271,000	2,198
Total interest expense	$1,061,000	3,110
Net interest income	$3,210,000	1,799
Provision for loan and lease losses	$39,000	3,587
Total noninterest income	$898,000	1,385
Gross Fiduciary activities income	$169,000	518
Service charges on deposit accounts	$484,000	869
Trading account gains and fees	$0	115
Additional Noninterest Income	$245,000	2,220
Total noninterest expense	$3,053,000	1,482
Salaries and employee benefits	$1,592,000	1,563
Premises and equipment expense	$620,000	1,017
Additional noninterest expense	$841,000	1,549
Pre-tax net operating income	$1,016,000	2,249
Securities gains (losses)	$0	955
Applicable income taxes	$306,000	2,001
Income before extraordinary items	$710,000	2,417
Extraordinary gains, net	$0	21
Net income	$710,000	2,419
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-36,000	8,393
Cash dividends	$620,000	1,123
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$710,000	2,391
2005-12-31 (YTD Data)		Rank
Total interest income	$15,667,000	2,127
Total interest expense	$3,260,000	3,108
Net interest income	$12,407,000	1,768
Provision for loan and lease losses	$723,000	1,382
Total noninterest income	$3,759,000	1,344
Gross Fiduciary activities income	$693,000	493
Service charges on deposit accounts	$2,064,000	841
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,002,000	2,215
Total noninterest expense	$11,681,000	1,476
Salaries and employee benefits	$5,926,000	1,575
Premises and equipment expense	$2,468,000	975
Additional noninterest expense	$3,287,000	1,554
Pre-tax net operating income	$3,762,000	2,320
Securities gains (losses)	$1,000	2,117
Applicable income taxes	$1,088,000	2,145
Income before extraordinary items	$2,675,000	2,462
Extraordinary gains, net	$0	46
Net income	$2,675,000	2,463
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$663,000	932
Cash dividends	$1,520,000	1,804
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,674,290	2,427
2005-09-30 (YTD Data)		Rank
Total interest income	$11,545,000	2,113
Total interest expense	$2,339,000	3,086
Net interest income	$9,206,000	1,774
Provision for loan and lease losses	$494,000	1,425
Total noninterest income	$2,731,000	1,390
Gross Fiduciary activities income	$472,000	515
Service charges on deposit accounts	$1,538,000	848
Trading account gains and fees	$0	126
Additional Noninterest Income	$721,000	2,279
Total noninterest expense	$8,721,000	1,461
Salaries and employee benefits	$4,436,000	1,567
Premises and equipment expense	$1,843,000	967
Additional noninterest expense	$2,442,000	1,534
Pre-tax net operating income	$2,722,000	2,410
Securities gains (losses)	$1,000	2,135
Applicable income taxes	$804,000	2,195
Income before extraordinary items	$1,919,000	2,559
Extraordinary gains, net	$0	35
Net income	$1,919,000	2,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$504,000	831
Cash dividends	$1,264,000	1,516
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,918,300	2,535
2005-06-30 (YTD Data)		Rank
Total interest income	$7,563,000	2,085
Total interest expense	$1,529,000	3,000
Net interest income	$6,034,000	1,787
Provision for loan and lease losses	$310,000	1,464
Total noninterest income	$1,730,000	1,429
Gross Fiduciary activities income	$312,000	524
Service charges on deposit accounts	$1,000,000	854
Trading account gains and fees	$0	116
Additional Noninterest Income	$418,000	2,468
Total noninterest expense	$5,864,000	1,447
Salaries and employee benefits	$2,932,000	1,582
Premises and equipment expense	$1,240,000	943
Additional noninterest expense	$1,692,000	1,478
Pre-tax net operating income	$1,590,000	2,631
Securities gains (losses)	$0	2,146
Applicable income taxes	$447,000	2,433
Income before extraordinary items	$1,143,000	2,774
Extraordinary gains, net	$0	30
Net income	$1,143,000	2,774
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$370,000	760
Cash dividends	$751,000	1,655
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,143,000	2,728
2005-03-31 (YTD Data)		Rank
Total interest income	$3,704,000	2,089
Total interest expense	$741,000	2,985
Net interest income	$2,963,000	1,802
Provision for loan and lease losses	$152,000	1,372
Total noninterest income	$853,000	1,421
Gross Fiduciary activities income	$159,000	520
Service charges on deposit accounts	$487,000	837
Trading account gains and fees	$0	115
Additional Noninterest Income	$207,000	2,437
Total noninterest expense	$2,926,000	1,449
Salaries and employee benefits	$1,424,000	1,623
Premises and equipment expense	$627,000	947
Additional noninterest expense	$875,000	1,424
Pre-tax net operating income	$738,000	2,741
Securities gains (losses)	$0	1,685
Applicable income taxes	$203,000	2,563
Income before extraordinary items	$535,000	2,889
Extraordinary gains, net	$0	24
Net income	$535,000	2,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$171,000	766
Cash dividends	$504,000	1,200
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$535,000	2,836
2004-12-31 (YTD Data)		Rank
Total interest income	$14,428,000	1,963
Total interest expense	$2,640,000	2,917
Net interest income	$11,788,000	1,718
Provision for loan and lease losses	$762,000	1,342
Total noninterest income	$3,535,000	1,411
Gross Fiduciary activities income	$565,000	529
Service charges on deposit accounts	$1,969,000	882
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,001,000	2,152
Total noninterest expense	$11,233,000	1,447
Salaries and employee benefits	$5,511,000	1,599
Premises and equipment expense	$2,436,000	924
Additional noninterest expense	$3,286,000	1,505
Pre-tax net operating income	$3,328,000	2,369
Securities gains (losses)	$28,000	2,163
Applicable income taxes	$997,000	2,163
Income before extraordinary items	$2,359,000	2,541
Extraordinary gains, net	$0	34
Net income	$2,359,000	2,544
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$637,000	1,101
Cash dividends	$1,496,000	1,746
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,339,400	2,507
2004-09-30 (YTD Data)		Rank
Total interest income	$10,778,000	1,952
Total interest expense	$1,963,000	2,889
Net interest income	$8,815,000	1,709
Provision for loan and lease losses	$548,000	1,343
Total noninterest income	$2,572,000	1,456
Gross Fiduciary activities income	$372,000	577
Service charges on deposit accounts	$1,421,000	923
Trading account gains and fees	$0	134
Additional Noninterest Income	$779,000	2,107
Total noninterest expense	$8,374,000	1,456
Salaries and employee benefits	$4,135,000	1,607
Premises and equipment expense	$1,832,000	916
Additional noninterest expense	$2,407,000	1,518
Pre-tax net operating income	$2,465,000	2,418
Securities gains (losses)	$0	3,710
Applicable income taxes	$740,000	2,227
Income before extraordinary items	$1,725,000	2,637
Extraordinary gains, net	$0	26
Net income	$1,725,000	2,639
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$432,000	1,098
Cash dividends	$1,250,000	1,453
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,725,000	2,572
2004-06-30 (YTD Data)		Rank
Total interest income	$7,185,000	1,945
Total interest expense	$1,323,000	2,848
Net interest income	$5,862,000	1,706
Provision for loan and lease losses	$308,000	1,494
Total noninterest income	$1,588,000	1,525
Gross Fiduciary activities income	$247,000	576
Service charges on deposit accounts	$858,000	1,031
Trading account gains and fees	$0	130
Additional Noninterest Income	$483,000	2,242
Total noninterest expense	$5,619,000	1,436
Salaries and employee benefits	$2,763,000	1,599
Premises and equipment expense	$1,287,000	866
Additional noninterest expense	$1,569,000	1,540
Pre-tax net operating income	$1,523,000	2,561
Securities gains (losses)	$0	3,413
Applicable income taxes	$442,000	2,402
Income before extraordinary items	$1,081,000	2,753
Extraordinary gains, net	$0	21
Net income	$1,081,000	2,754
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$157,000	1,622
Cash dividends	$748,000	1,623
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,081,000	2,672
2004-03-31 (YTD Data)		Rank
Total interest income	$3,619,000	1,937
Total interest expense	$672,000	2,848
Net interest income	$2,947,000	1,696
Provision for loan and lease losses	$130,000	1,707
Total noninterest income	$654,000	1,753
Gross Fiduciary activities income	$125,000	578
Service charges on deposit accounts	$325,000	1,317
Trading account gains and fees	$0	121
Additional Noninterest Income	$204,000	2,451
Total noninterest expense	$2,791,000	1,461
Salaries and employee benefits	$1,369,000	1,632
Premises and equipment expense	$648,000	879
Additional noninterest expense	$774,000	1,544
Pre-tax net operating income	$680,000	2,767
Securities gains (losses)	$0	2,934
Applicable income taxes	$191,000	2,647
Income before extraordinary items	$489,000	2,999
Extraordinary gains, net	$0	16
Net income	$489,000	2,999
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	1,325
Cash dividends	$502,000	1,173
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$489,000	2,892
2003-12-31 (YTD Data)		Rank
Total interest income	$14,878,000	1,904
Total interest expense	$3,805,000	2,327
Net interest income	$11,073,000	1,764
Provision for loan and lease losses	$737,000	1,564
Total noninterest income	$2,397,000	2,024
Gross Fiduciary activities income	$456,000	596
Service charges on deposit accounts	$1,099,000	1,568
Trading account gains and fees	$0	160
Additional Noninterest Income	$842,000	2,655
Total noninterest expense	$10,895,000	1,468
Salaries and employee benefits	$5,257,000	1,637
Premises and equipment expense	$2,436,000	919
Additional noninterest expense	$3,202,000	1,544
Pre-tax net operating income	$1,838,000	3,587
Securities gains (losses)	$109,000	1,813
Applicable income taxes	$469,000	3,481
Income before extraordinary items	$1,478,000	3,598
Extraordinary gains, net	$0	54
Net income	$1,478,000	3,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$672,000	1,264
Cash dividends	$1,492,000	1,747
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,395,160	3,581
2003-09-30 (YTD Data)		Rank
Total interest income	$11,213,000	1,931
Total interest expense	$3,061,000	2,251
Net interest income	$8,152,000	1,798
Provision for loan and lease losses	$498,000	1,671
Total noninterest income	$1,736,000	2,124
Gross Fiduciary activities income	$318,000	619
Service charges on deposit accounts	$774,000	1,667
Trading account gains and fees	$0	153
Additional Noninterest Income	$644,000	2,706
Total noninterest expense	$8,081,000	1,489
Salaries and employee benefits	$3,925,000	1,656
Premises and equipment expense	$1,799,000	949
Additional noninterest expense	$2,357,000	1,560
Pre-tax net operating income	$1,309,000	3,826
Securities gains (losses)	$109,000	1,672
Applicable income taxes	$343,000	3,680
Income before extraordinary items	$1,075,000	3,811
Extraordinary gains, net	$0	40
Net income	$1,075,000	3,810
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$478,000	1,210
Cash dividends	$1,246,000	1,483
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$992,160	3,833
2003-06-30 (YTD Data)		Rank
Total interest income	$7,581,000	1,916
Total interest expense	$2,252,000	2,126
Net interest income	$5,329,000	1,832
Provision for loan and lease losses	$322,000	1,704
Total noninterest income	$1,097,000	2,205
Gross Fiduciary activities income	$211,000	625
Service charges on deposit accounts	$481,000	1,761
Trading account gains and fees	$0	150
Additional Noninterest Income	$405,000	2,782
Total noninterest expense	$5,290,000	1,518
Salaries and employee benefits	$2,561,000	1,678
Premises and equipment expense	$1,202,000	952
Additional noninterest expense	$1,527,000	1,591
Pre-tax net operating income	$814,000	4,008
Securities gains (losses)	$109,000	1,441
Applicable income taxes	$218,000	3,797
Income before extraordinary items	$705,000	3,844
Extraordinary gains, net	$0	30
Net income	$705,000	3,844
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$317,000	1,198
Cash dividends	$745,000	1,650
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$622,160	3,988
2003-03-31 (YTD Data)		Rank
Total interest income	$3,849,000	1,912
Total interest expense	$1,209,000	2,040
Net interest income	$2,640,000	1,849
Provision for loan and lease losses	$147,000	1,834
Total noninterest income	$532,000	2,184
Gross Fiduciary activities income	$108,000	621
Service charges on deposit accounts	$235,000	1,735
Trading account gains and fees	$0	134
Additional Noninterest Income	$189,000	2,816
Total noninterest expense	$2,629,000	1,519
Salaries and employee benefits	$1,270,000	1,682
Premises and equipment expense	$591,000	976
Additional noninterest expense	$768,000	1,540
Pre-tax net operating income	$396,000	4,057
Securities gains (losses)	$109,000	951
Applicable income taxes	$126,000	3,539
Income before extraordinary items	$379,000	3,607
Extraordinary gains, net	$0	21
Net income	$379,000	3,605
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$147,000	1,143
Cash dividends	$500,000	1,179
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$297,250	4,078
2002-12-31 (YTD Data)		Rank
Total interest income	$16,357,000	1,886
Total interest expense	$6,205,000	1,843
Net interest income	$10,152,000	1,915
Provision for loan and lease losses	$822,000	1,589
Total noninterest income	$2,382,000	1,859
Gross Fiduciary activities income	$542,000	549
Service charges on deposit accounts	$929,000	1,725
Trading account gains and fees	$0	153
Additional Noninterest Income	$911,000	2,310
Total noninterest expense	$9,655,000	1,597
Salaries and employee benefits	$4,448,000	1,808
Premises and equipment expense	$2,259,000	967
Additional noninterest expense	$2,948,000	1,597
Pre-tax net operating income	$2,057,000	3,358
Securities gains (losses)	$164,000	1,305
Applicable income taxes	$548,000	3,275
Income before extraordinary items	$1,673,000	3,225
Extraordinary gains, net	$0	70
Net income	$1,673,000	3,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$822,000	1,134
Cash dividends	$1,470,000	1,677
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,550,000	3,303
2001-12-31 (YTD Data)		Rank
Total interest income	$18,048,000	1,902
Total interest expense	$8,294,000	1,953
Net interest income	$9,754,000	1,827
Provision for loan and lease losses	$347,000	2,928
Total noninterest income	$2,186,000	1,880
Gross Fiduciary activities income	$574,000	550
Service charges on deposit accounts	$808,000	1,887
Trading account gains and fees	$0	177
Additional Noninterest Income	$804,000	2,377
Total noninterest expense	$9,219,000	1,587
Salaries and employee benefits	$4,256,000	1,763
Premises and equipment expense	$2,111,000	992
Additional noninterest expense	$2,852,000	1,624
Pre-tax net operating income	$2,374,000	2,779
Securities gains (losses)	$0	4,612
Applicable income taxes	$600,000	2,969
Income before extraordinary items	$1,774,000	2,834
Extraordinary gains, net	$0	105
Net income	$1,774,000	2,836
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$347,000	2,022
Cash dividends	$2,199,000	1,230
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,774,000	2,749
2000-12-31 (YTD Data)		Rank
Total interest income	$18,812,000	1,862
Total interest expense	$8,909,000	1,942
Net interest income	$9,903,000	1,772
Provision for loan and lease losses	$1,143,000	957
Total noninterest income	$2,077,000	1,819
Gross Fiduciary activities income	$558,000	565
Service charges on deposit accounts	$758,000	1,840
Trading account gains and fees	$0	180
Additional Noninterest Income	$761,000	2,213
Total noninterest expense	$8,685,000	1,615
Salaries and employee benefits	$4,081,000	1,760
Premises and equipment expense	$1,980,000	1,008
Additional noninterest expense	$2,624,000	1,689
Pre-tax net operating income	$2,152,000	3,136
Securities gains (losses)	$0	1,956
Applicable income taxes	$482,000	3,570
Income before extraordinary items	$1,670,000	2,979
Extraordinary gains, net	$0	38
Net income	$1,670,000	2,976
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$943,000	781
Cash dividends	$1,261,000	1,903
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,670,000	2,967
1999-12-31 (YTD Data)		Rank
Total interest income	$17,036,000	1,916
Total interest expense	$7,630,000	1,958
Net interest income	$9,406,000	1,858
Provision for loan and lease losses	$646,000	1,411
Total noninterest income	$2,314,000	1,673
Gross Fiduciary activities income	$523,000	626
Service charges on deposit accounts	$825,000	1,604
Trading account gains and fees	$0	173
Additional Noninterest Income	$966,000	1,927
Total noninterest expense	$8,339,000	1,652
Salaries and employee benefits	$3,912,000	1,770
Premises and equipment expense	$1,680,000	1,199
Additional noninterest expense	$2,747,000	1,622
Pre-tax net operating income	$2,735,000	2,601
Securities gains (losses)	$81,000	814
Applicable income taxes	$778,000	2,700
Income before extraordinary items	$2,038,000	2,547
Extraordinary gains, net	$0	35
Net income	$2,038,000	2,547
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$446,000	1,329
Cash dividends	$1,193,000	2,005
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,979,680	2,580
1998-12-31 (YTD Data)		Rank
Total interest income	$17,188,000	1,883
Total interest expense	$8,041,000	1,900
Net interest income	$9,147,000	1,871
Provision for loan and lease losses	$504,000	1,706
Total noninterest income	$1,623,000	2,139
Gross Fiduciary activities income	$461,000	664
Service charges on deposit accounts	$661,000	1,928
Trading account gains and fees	$0	224
Additional Noninterest Income	$501,000	2,979
Total noninterest expense	$7,423,000	1,761
Salaries and employee benefits	$3,628,000	1,845
Premises and equipment expense	$1,452,000	1,341
Additional noninterest expense	$2,343,000	1,804
Pre-tax net operating income	$2,843,000	2,499
Securities gains (losses)	$130,000	1,128
Applicable income taxes	$1,015,000	2,293
Income before extraordinary items	$1,958,000	2,606
Extraordinary gains, net	$0	32
Net income	$1,958,000	2,607
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$354,000	1,649
Cash dividends	$1,664,000	1,529
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,872,200	2,640
1997-12-31 (YTD Data)		Rank
Total interest income	$16,966,000	1,946
Total interest expense	$8,048,000	1,923
Net interest income	$8,918,000	1,951
Provision for loan and lease losses	$473,000	1,864
Total noninterest income	$1,228,000	2,577
Gross Fiduciary activities income	$374,000	753
Service charges on deposit accounts	$599,000	2,191
Trading account gains and fees	$0	239
Additional Noninterest Income	$255,000	4,312
Total noninterest expense	$6,944,000	1,862
Salaries and employee benefits	$3,399,000	1,935
Premises and equipment expense	$1,275,000	1,521
Additional noninterest expense	$2,270,000	1,875
Pre-tax net operating income	$2,729,000	2,712
Securities gains (losses)	$0	3,944
Applicable income taxes	$937,000	2,570
Income before extraordinary items	$1,792,000	2,839
Extraordinary gains, net	$0	44
Net income	$1,792,000	2,838
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$293,000	1,987
Cash dividends	$1,609,000	1,527
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,792,000	2,793
1996-12-31 (YTD Data)		Rank
Total interest income	$12,773,000	2,617
Total interest expense	$5,823,000	2,612
Net interest income	$6,950,000	2,545
Provision for loan and lease losses	$330,000	2,402
Total noninterest income	$1,005,000	3,109
Gross Fiduciary activities income	$377,000	792
Service charges on deposit accounts	$448,000	3,020
Trading account gains and fees	$0	262
Additional Noninterest Income	$180,000	5,465
Total noninterest expense	$5,054,000	2,709
Salaries and employee benefits	$2,522,000	2,668
Premises and equipment expense	$1,036,000	1,941
Additional noninterest expense	$1,496,000	3,129
Pre-tax net operating income	$2,571,000	2,710
Securities gains (losses)	$0	4,148
Applicable income taxes	$885,000	2,615
Income before extraordinary items	$1,686,000	2,874
Extraordinary gains, net	$0	53
Net income	$1,686,000	2,875
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	3,051
Cash dividends	$593,000	3,094
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,686,000	2,837
1995-12-31 (YTD Data)		Rank
Total interest income	$11,613,000	2,867
Total interest expense	$5,285,000	2,887
Net interest income	$6,328,000	2,826
Provision for loan and lease losses	$256,000	2,512
Total noninterest income	$853,000	3,507
Gross Fiduciary activities income	$297,000	907
Service charges on deposit accounts	$379,000	3,532
Trading account gains and fees	$0	522
Additional Noninterest Income	$177,000	5,493
Total noninterest expense	$4,756,000	2,841
Salaries and employee benefits	$2,353,000	2,833
Premises and equipment expense	$982,000	2,048
Additional noninterest expense	$1,421,000	3,228
Pre-tax net operating income	$2,169,000	3,248
Securities gains (losses)	$0	3,831
Applicable income taxes	$753,000	3,032
Income before extraordinary items	$1,416,000	3,413
Extraordinary gains, net	$0	65
Net income	$1,416,000	3,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,000	2,942
Cash dividends	$542,000	3,144
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,416,000	3,392
1994-12-31 (YTD Data)		Rank
Total interest income	$8,979,000	3,337
Total interest expense	$3,134,000	3,799
Net interest income	$5,845,000	3,076
Provision for loan and lease losses	$232,000	2,772
Total noninterest income	$725,000	4,001
Gross Fiduciary activities income	$286,000	921
Service charges on deposit accounts	$305,000	4,303
Trading account gains and fees	$0	475
Additional Noninterest Income	$134,000	6,565
Total noninterest expense	$4,318,000	3,189
Salaries and employee benefits	$2,126,000	3,103
Premises and equipment expense	$904,000	2,230
Additional noninterest expense	$1,288,000	3,801
Pre-tax net operating income	$2,020,000	3,394
Securities gains (losses)	$77,000	902
Applicable income taxes	$741,000	2,971
Income before extraordinary items	$1,356,000	3,460
Extraordinary gains, net	$0	249
Net income	$1,356,000	3,467
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	3,686
Cash dividends	$492,000	3,276
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,305,950	3,617
1993-12-31 (YTD Data)		Rank
Total interest income	$8,476,000	3,625
Total interest expense	$3,241,000	3,851
Net interest income	$5,235,000	3,420
Provision for loan and lease losses	$252,000	3,363
Total noninterest income	$601,000	4,954
Gross Fiduciary activities income	$283,000	960
Service charges on deposit accounts	$206,000	5,867
Trading account gains and fees	$0	532
Additional Noninterest Income	$112,000	7,533
Total noninterest expense	$3,751,000	3,695
Salaries and employee benefits	$1,864,000	3,502
Premises and equipment expense	$775,000	2,630
Additional noninterest expense	$1,112,000	4,493
Pre-tax net operating income	$1,833,000	3,607
Securities gains (losses)	$18,000	4,806
Applicable income taxes	$614,000	3,530
Income before extraordinary items	$1,237,000	3,896
Extraordinary gains, net	$0	3,149
Net income	$1,237,000	4,001
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,000	3,954
Cash dividends	$441,000	3,429
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,224,940	3,729
1992-12-31 (YTD Data)		Rank
Total interest income	$8,388,000	4,123
Total interest expense	$3,700,000	4,357
Net interest income	$4,688,000	3,856
Provision for loan and lease losses	$342,000	3,824
Total noninterest income	$637,000	4,745
Gross Fiduciary activities income	$298,000	956
Service charges on deposit accounts	$213,000	5,752
Trading account gains and fees	$0	504
Additional Noninterest Income	$126,000	7,283
Total noninterest expense	$3,626,000	3,813
Salaries and employee benefits	$1,780,000	3,596
Premises and equipment expense	$740,000	2,791
Additional noninterest expense	$1,106,000	4,668
Pre-tax net operating income	$1,357,000	4,448
Securities gains (losses)	$233,000	1,807
Applicable income taxes	$486,000	4,088
Income before extraordinary items	$1,104,000	4,118
Extraordinary gains, net	$-36,000	13,556
Net income	$1,068,000	4,293
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$142,000	5,022
Cash dividends	$391,000	3,411
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$943,230	4,417

* 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.