Home > Swineford National Bank > Income and Expense

Swineford National Bank, Income and Expense

2018-09-30 (YTD Data)		Rank
Total interest income	$8,301,000	2,339
Total interest expense	$756,000	2,844
Net interest income	$7,545,000	2,242
Provision for loan and lease losses	$-28,000	5,227
Total noninterest income	$2,651,000	1,393
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$888,000	1,002
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,763,000	1,359
Total noninterest expense	$8,034,000	1,791
Salaries and employee benefits	$1,712,000	3,456
Premises and equipment expense	$683,000	2,197
Additional noninterest expense	$5,639,000	876
Pre-tax net operating income	$2,190,000	2,588
Securities gains (losses)	$-17,000	4,891
Applicable income taxes	$244,000	2,385
Income before extraordinary items	$1,929,000	2,579
Extraordinary gains, net	$0	5
Net income	$1,929,000	2,579
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,929,000	2,578
Net charge-offs	$38,000	2,369
Cash dividends	$500,000	2,346
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,944,130	2,558
2018-06-30 (YTD Data)		Rank
Total interest income	$5,451,000	2,354
Total interest expense	$477,000	2,864
Net interest income	$4,974,000	2,256
Provision for loan and lease losses	$20,000	3,342
Total noninterest income	$1,738,000	1,414
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$580,000	1,021
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,158,000	1,390
Total noninterest expense	$5,409,000	1,788
Salaries and employee benefits	$1,124,000	3,500
Premises and equipment expense	$472,000	2,161
Additional noninterest expense	$3,813,000	869
Pre-tax net operating income	$1,283,000	2,766
Securities gains (losses)	$-17,000	5,085
Applicable income taxes	$168,000	2,350
Income before extraordinary items	$1,098,000	2,812
Extraordinary gains, net	$0	6
Net income	$1,098,000	2,812
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,098,000	2,811
Net charge-offs	$64,000	1,595
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,112,790	2,789
2018-03-31 (YTD Data)		Rank
Total interest income	$2,683,000	2,373
Total interest expense	$235,000	2,833
Net interest income	$2,448,000	2,291
Provision for loan and lease losses	$208,000	917
Total noninterest income	$864,000	1,410
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$292,000	1,021
Trading account gains and fees	$0	123
Additional Noninterest Income	$572,000	1,378
Total noninterest expense	$2,780,000	1,756
Salaries and employee benefits	$532,000	3,638
Premises and equipment expense	$238,000	2,179
Additional noninterest expense	$2,010,000	816
Pre-tax net operating income	$324,000	3,748
Securities gains (losses)	$0	735
Applicable income taxes	$20,000	3,243
Income before extraordinary items	$304,000	3,655
Extraordinary gains, net	$0	7
Net income	$304,000	3,655
Minority interest net income	$0	52
Net income of bank and minority interests.	$304,000	3,655
Net charge-offs	$0	2,722
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$304,000	3,658
2017-12-31 (YTD Data)		Rank
Total interest income	$10,373,000	2,381
Total interest expense	$842,000	2,849
Net interest income	$9,531,000	2,300
Provision for loan and lease losses	$-547,000	5,536
Total noninterest income	$3,487,000	1,417
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,259,000	967
Trading account gains and fees	$29,000	134
Additional Noninterest Income	$2,199,000	1,443
Total noninterest expense	$10,588,000	1,823
Salaries and employee benefits	$2,433,000	3,380
Premises and equipment expense	$917,000	2,233
Additional noninterest expense	$7,238,000	907
Pre-tax net operating income	$2,977,000	2,492
Securities gains (losses)	$-83,000	5,378
Applicable income taxes	$812,000	2,056
Income before extraordinary items	$2,082,000	2,628
Extraordinary gains, net	$0	9
Net income	$2,082,000	2,627
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,082,000	2,628
Net charge-offs	$59,000	2,853
Cash dividends	$2,500,000	1,179
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,141,760	2,553
2017-09-30 (YTD Data)		Rank
Total interest income	$7,697,000	2,405
Total interest expense	$596,000	2,920
Net interest income	$7,101,000	2,325
Provision for loan and lease losses	$-653,000	5,652
Total noninterest income	$2,565,000	1,445
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$927,000	984
Trading account gains and fees	$29,000	130
Additional Noninterest Income	$1,609,000	1,481
Total noninterest expense	$7,872,000	1,836
Salaries and employee benefits	$1,825,000	3,390
Premises and equipment expense	$689,000	2,240
Additional noninterest expense	$5,358,000	917
Pre-tax net operating income	$2,447,000	2,399
Securities gains (losses)	$3,000	1,944
Applicable income taxes	$638,000	1,860
Income before extraordinary items	$1,812,000	2,564
Extraordinary gains, net	$0	9
Net income	$1,812,000	2,564
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,812,000	2,564
Net charge-offs	$44,000	2,551
Cash dividends	$1,500,000	1,286
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,809,780	2,555
2017-06-30 (YTD Data)		Rank
Total interest income	$5,042,000	2,410
Total interest expense	$384,000	2,939
Net interest income	$4,658,000	2,343
Provision for loan and lease losses	$-591,000	5,715
Total noninterest income	$1,689,000	1,468
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$599,000	1,003
Trading account gains and fees	$0	139
Additional Noninterest Income	$1,090,000	1,466
Total noninterest expense	$5,255,000	1,832
Salaries and employee benefits	$1,205,000	3,428
Premises and equipment expense	$475,000	2,205
Additional noninterest expense	$3,575,000	910
Pre-tax net operating income	$1,683,000	2,292
Securities gains (losses)	$3,000	1,556
Applicable income taxes	$454,000	1,790
Income before extraordinary items	$1,232,000	2,480
Extraordinary gains, net	$0	11
Net income	$1,232,000	2,479
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,232,000	2,480
Net charge-offs	$-17,000	4,958
Cash dividends	$500,000	1,993
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,229,810	2,463
2017-03-31 (YTD Data)		Rank
Total interest income	$2,506,000	2,423
Total interest expense	$185,000	3,001
Net interest income	$2,321,000	2,350
Provision for loan and lease losses	$85,000	1,615
Total noninterest income	$811,000	1,493
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$285,000	1,048
Trading account gains and fees	$0	142
Additional Noninterest Income	$526,000	1,489
Total noninterest expense	$2,529,000	1,907
Salaries and employee benefits	$548,000	3,649
Premises and equipment expense	$235,000	2,240
Additional noninterest expense	$1,746,000	929
Pre-tax net operating income	$518,000	3,035
Securities gains (losses)	$0	1,153
Applicable income taxes	$115,000	2,334
Income before extraordinary items	$403,000	3,122
Extraordinary gains, net	$0	8
Net income	$403,000	3,120
Minority interest net income	$0	55
Net income of bank and minority interests.	$403,000	3,122
Net charge-offs	$111,000	879
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$403,000	3,104
2016-12-31 (YTD Data)		Rank
Total interest income	$9,939,000	2,407
Total interest expense	$975,000	2,457
Net interest income	$8,964,000	2,387
Provision for loan and lease losses	$-33,000	5,508
Total noninterest income	$3,527,000	1,466
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$1,203,000	1,018
Trading account gains and fees	$0	170
Additional Noninterest Income	$2,324,000	1,442
Total noninterest expense	$10,289,000	1,854
Salaries and employee benefits	$2,731,000	3,230
Premises and equipment expense	$782,000	2,545
Additional noninterest expense	$6,776,000	967
Pre-tax net operating income	$2,235,000	2,872
Securities gains (losses)	$85,000	1,459
Applicable income taxes	$598,000	2,106
Income before extraordinary items	$1,722,000	3,043
Extraordinary gains, net	$0	5
Net income	$1,722,000	3,042
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,722,000	3,042
Net charge-offs	$69,000	2,904
Cash dividends	$1,350,000	1,821
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,659,100	3,057
2016-09-30 (YTD Data)		Rank
Total interest income	$7,421,000	2,418
Total interest expense	$734,000	2,458
Net interest income	$6,687,000	2,399
Provision for loan and lease losses	$164,000	2,268
Total noninterest income	$2,641,000	1,458
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$899,000	1,019
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,742,000	1,435
Total noninterest expense	$7,691,000	1,868
Salaries and employee benefits	$2,102,000	3,160
Premises and equipment expense	$581,000	2,563
Additional noninterest expense	$5,008,000	986
Pre-tax net operating income	$1,473,000	3,131
Securities gains (losses)	$66,000	1,564
Applicable income taxes	$393,000	2,257
Income before extraordinary items	$1,146,000	3,280
Extraordinary gains, net	$0	5
Net income	$1,146,000	3,278
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,146,000	3,280
Net charge-offs	$71,000	2,340
Cash dividends	$850,000	1,826
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,097,160	3,284
2016-06-30 (YTD Data)		Rank
Total interest income	$5,008,000	2,404
Total interest expense	$486,000	2,470
Net interest income	$4,522,000	2,390
Provision for loan and lease losses	$121,000	2,099
Total noninterest income	$1,753,000	1,453
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$585,000	1,031
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,168,000	1,399
Total noninterest expense	$5,134,000	1,867
Salaries and employee benefits	$1,422,000	3,151
Premises and equipment expense	$382,000	2,599
Additional noninterest expense	$3,330,000	992
Pre-tax net operating income	$1,020,000	3,043
Securities gains (losses)	$66,000	1,249
Applicable income taxes	$272,000	2,216
Income before extraordinary items	$814,000	3,159
Extraordinary gains, net	$0	16
Net income	$814,000	3,156
Minority interest net income	$0	71
Net income of bank and minority interests.	$814,000	3,157
Net charge-offs	$43,000	2,261
Cash dividends	$350,000	2,350
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$764,500	3,206
2016-03-31 (YTD Data)		Rank
Total interest income	$2,503,000	2,407
Total interest expense	$243,000	2,475
Net interest income	$2,260,000	2,388
Provision for loan and lease losses	$100,000	1,495
Total noninterest income	$872,000	1,434
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$288,000	1,038
Trading account gains and fees	$0	142
Additional Noninterest Income	$584,000	1,369
Total noninterest expense	$2,497,000	1,912
Salaries and employee benefits	$692,000	3,234
Premises and equipment expense	$210,000	2,458
Additional noninterest expense	$1,595,000	1,026
Pre-tax net operating income	$535,000	2,921
Securities gains (losses)	$23,000	1,179
Applicable income taxes	$135,000	2,189
Income before extraordinary items	$423,000	3,019
Extraordinary gains, net	$0	12
Net income	$423,000	3,017
Minority interest net income	$0	62
Net income of bank and minority interests.	$423,000	3,018
Net charge-offs	$35,000	1,660
Cash dividends	$100,000	2,368
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$405,520	3,053
2015-12-31 (YTD Data)		Rank
Total interest income	$10,034,000	2,362
Total interest expense	$962,000	2,481
Net interest income	$9,072,000	2,335
Provision for loan and lease losses	$-1,827,000	6,097
Total noninterest income	$3,504,000	1,428
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$1,179,000	1,057
Trading account gains and fees	$0	159
Additional Noninterest Income	$2,325,000	1,361
Total noninterest expense	$10,373,000	1,823
Salaries and employee benefits	$2,809,000	3,163
Premises and equipment expense	$723,000	2,756
Additional noninterest expense	$6,841,000	959
Pre-tax net operating income	$4,030,000	1,854
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,390,000	1,293
Income before extraordinary items	$2,640,000	2,243
Extraordinary gains, net	$0	23
Net income	$2,640,000	2,243
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,640,000	2,244
Net charge-offs	$135,000	2,370
Cash dividends	$1,600,000	1,564
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,640,000	2,202
2015-09-30 (YTD Data)		Rank
Total interest income	$7,541,000	2,377
Total interest expense	$718,000	2,521
Net interest income	$6,823,000	2,347
Provision for loan and lease losses	$-1,826,000	6,209
Total noninterest income	$2,559,000	1,473
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$874,000	1,075
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,685,000	1,410
Total noninterest expense	$7,738,000	1,840
Salaries and employee benefits	$2,086,000	3,201
Premises and equipment expense	$531,000	2,848
Additional noninterest expense	$5,121,000	961
Pre-tax net operating income	$3,470,000	1,705
Securities gains (losses)	$0	3,031
Applicable income taxes	$1,081,000	1,298
Income before extraordinary items	$2,389,000	1,959
Extraordinary gains, net	$0	21
Net income	$2,389,000	1,961
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,389,000	1,961
Net charge-offs	$132,000	1,918
Cash dividends	$1,200,000	1,412
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,389,000	1,927
2015-06-30 (YTD Data)		Rank
Total interest income	$5,067,000	2,362
Total interest expense	$475,000	2,548
Net interest income	$4,592,000	2,329
Provision for loan and lease losses	$-1,919,000	6,298
Total noninterest income	$1,699,000	1,475
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$568,000	1,081
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,131,000	1,424
Total noninterest expense	$5,037,000	1,893
Salaries and employee benefits	$1,372,000	3,261
Premises and equipment expense	$348,000	2,881
Additional noninterest expense	$3,317,000	992
Pre-tax net operating income	$3,173,000	1,313
Securities gains (losses)	$0	2,636
Applicable income taxes	$1,028,000	1,009
Income before extraordinary items	$2,145,000	1,527
Extraordinary gains, net	$0	22
Net income	$2,145,000	1,529
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,145,000	1,529
Net charge-offs	$43,000	2,441
Cash dividends	$800,000	1,456
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,145,000	1,491
2015-03-31 (YTD Data)		Rank
Total interest income	$2,503,000	2,380
Total interest expense	$238,000	2,571
Net interest income	$2,265,000	2,354
Provision for loan and lease losses	$-1,700,000	6,390
Total noninterest income	$785,000	1,534
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$275,000	1,094
Trading account gains and fees	$0	152
Additional Noninterest Income	$510,000	1,489
Total noninterest expense	$2,485,000	1,910
Salaries and employee benefits	$687,000	3,273
Premises and equipment expense	$185,000	2,800
Additional noninterest expense	$1,613,000	1,003
Pre-tax net operating income	$2,265,000	954
Securities gains (losses)	$0	2,027
Applicable income taxes	$756,000	764
Income before extraordinary items	$1,509,000	1,125
Extraordinary gains, net	$0	13
Net income	$1,509,000	1,126
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,509,000	1,126
Net charge-offs	$-5,000	5,132
Cash dividends	$400,000	1,291
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,509,000	1,093
2014-12-31 (YTD Data)		Rank
Total interest income	$10,473,000	2,302
Total interest expense	$887,000	2,819
Net interest income	$9,586,000	2,218
Provision for loan and lease losses	$1,000	4,589
Total noninterest income	$3,398,000	1,427
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,157,000	1,142
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,241,000	1,345
Total noninterest expense	$9,598,000	1,979
Salaries and employee benefits	$2,869,000	3,174
Premises and equipment expense	$668,000	3,004
Additional noninterest expense	$6,061,000	1,094
Pre-tax net operating income	$3,385,000	2,084
Securities gains (losses)	$0	3,259
Applicable income taxes	$1,019,000	1,522
Income before extraordinary items	$2,366,000	2,401
Extraordinary gains, net	$0	17
Net income	$2,366,000	2,401
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,366,000	2,401
Net charge-offs	$115,000	3,038
Cash dividends	$1,200,000	1,801
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,366,000	2,360
2014-09-30 (YTD Data)		Rank
Total interest income	$7,862,000	2,316
Total interest expense	$653,000	2,906
Net interest income	$7,209,000	2,229
Provision for loan and lease losses	$2,000	4,362
Total noninterest income	$2,515,000	1,452
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$885,000	1,128
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,630,000	1,376
Total noninterest expense	$7,118,000	1,996
Salaries and employee benefits	$2,151,000	3,192
Premises and equipment expense	$507,000	3,010
Additional noninterest expense	$4,460,000	1,111
Pre-tax net operating income	$2,604,000	2,080
Securities gains (losses)	$0	2,980
Applicable income taxes	$792,000	1,530
Income before extraordinary items	$1,812,000	2,387
Extraordinary gains, net	$0	15
Net income	$1,812,000	2,388
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,812,000	2,387
Net charge-offs	$106,000	2,630
Cash dividends	$900,000	1,610
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,812,000	2,342
2014-06-30 (YTD Data)		Rank
Total interest income	$5,257,000	2,291
Total interest expense	$431,000	2,965
Net interest income	$4,826,000	2,193
Provision for loan and lease losses	$2,000	4,139
Total noninterest income	$1,692,000	1,427
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$579,000	1,124
Trading account gains and fees	$0	172
Additional Noninterest Income	$1,113,000	1,355
Total noninterest expense	$4,679,000	2,028
Salaries and employee benefits	$1,409,000	3,250
Premises and equipment expense	$357,000	2,918
Additional noninterest expense	$2,913,000	1,118
Pre-tax net operating income	$1,837,000	1,943
Securities gains (losses)	$0	2,580
Applicable income taxes	$562,000	1,428
Income before extraordinary items	$1,275,000	2,239
Extraordinary gains, net	$0	20
Net income	$1,275,000	2,243
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,275,000	2,242
Net charge-offs	$73,000	2,471
Cash dividends	$600,000	1,616
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,275,000	2,188
2014-03-31 (YTD Data)		Rank
Total interest income	$2,609,000	2,315
Total interest expense	$211,000	3,047
Net interest income	$2,398,000	2,208
Provision for loan and lease losses	$1,000	3,779
Total noninterest income	$826,000	1,425
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$285,000	1,130
Trading account gains and fees	$0	147
Additional Noninterest Income	$541,000	1,337
Total noninterest expense	$2,258,000	2,104
Salaries and employee benefits	$678,000	3,362
Premises and equipment expense	$195,000	2,805
Additional noninterest expense	$1,385,000	1,153
Pre-tax net operating income	$965,000	1,825
Securities gains (losses)	$0	1,715
Applicable income taxes	$297,000	1,353
Income before extraordinary items	$668,000	2,081
Extraordinary gains, net	$0	16
Net income	$668,000	2,083
Minority interest net income	$0	66
Net income of bank and minority interests.	$668,000	2,083
Net charge-offs	$0	3,660
Cash dividends	$300,000	1,415
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$668,000	2,041
2013-12-31 (YTD Data)		Rank
Total interest income	$10,916,000	2,230
Total interest expense	$959,000	3,044
Net interest income	$9,957,000	2,096
Provision for loan and lease losses	$1,174,000	972
Total noninterest income	$3,946,000	1,331
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,378,000	1,002
Trading account gains and fees	$0	184
Additional Noninterest Income	$2,568,000	1,276
Total noninterest expense	$9,586,000	1,967
Salaries and employee benefits	$3,125,000	3,011
Premises and equipment expense	$711,000	2,935
Additional noninterest expense	$5,750,000	1,173
Pre-tax net operating income	$3,143,000	2,097
Securities gains (losses)	$87,000	1,426
Applicable income taxes	$953,000	1,507
Income before extraordinary items	$2,277,000	2,351
Extraordinary gains, net	$0	29
Net income	$2,277,000	2,355
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,277,000	2,354
Net charge-offs	$109,000	3,656
Cash dividends	$1,100,000	1,810
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,216,100	2,357
2013-09-30 (YTD Data)		Rank
Total interest income	$8,210,000	2,242
Total interest expense	$742,000	3,048
Net interest income	$7,468,000	2,104
Provision for loan and lease losses	$1,176,000	784
Total noninterest income	$3,056,000	1,333
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$1,083,000	958
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,973,000	1,286
Total noninterest expense	$7,152,000	1,983
Salaries and employee benefits	$2,242,000	3,147
Premises and equipment expense	$542,000	2,939
Additional noninterest expense	$4,368,000	1,155
Pre-tax net operating income	$2,196,000	2,266
Securities gains (losses)	$87,000	1,313
Applicable income taxes	$666,000	1,623
Income before extraordinary items	$1,617,000	2,504
Extraordinary gains, net	$0	25
Net income	$1,617,000	2,509
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,617,000	2,509
Net charge-offs	$84,000	3,418
Cash dividends	$600,000	1,911
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,555,230	2,505
2013-06-30 (YTD Data)		Rank
Total interest income	$5,458,000	2,244
Total interest expense	$508,000	3,042
Net interest income	$4,950,000	2,108
Provision for loan and lease losses	$1,023,000	669
Total noninterest income	$2,050,000	1,337
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$713,000	940
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,337,000	1,287
Total noninterest expense	$4,765,000	1,991
Salaries and employee benefits	$1,463,000	3,201
Premises and equipment expense	$368,000	2,894
Additional noninterest expense	$2,934,000	1,144
Pre-tax net operating income	$1,212,000	2,581
Securities gains (losses)	$87,000	1,190
Applicable income taxes	$392,000	1,758
Income before extraordinary items	$907,000	2,836
Extraordinary gains, net	$0	22
Net income	$907,000	2,840
Minority interest net income	$0	82
Net income of bank and minority interests.	$907,000	2,840
Net charge-offs	$29,000	3,772
Cash dividends	$200,000	2,545
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$846,100	2,863
2013-03-31 (YTD Data)		Rank
Total interest income	$2,729,000	2,272
Total interest expense	$263,000	3,034
Net interest income	$2,466,000	2,124
Provision for loan and lease losses	$498,000	706
Total noninterest income	$978,000	1,377
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$352,000	943
Trading account gains and fees	$0	148
Additional Noninterest Income	$626,000	1,347
Total noninterest expense	$2,346,000	2,038
Salaries and employee benefits	$750,000	3,168
Premises and equipment expense	$189,000	2,868
Additional noninterest expense	$1,407,000	1,169
Pre-tax net operating income	$600,000	2,553
Securities gains (losses)	$79,000	755
Applicable income taxes	$209,000	1,662
Income before extraordinary items	$470,000	2,705
Extraordinary gains, net	$0	10
Net income	$470,000	2,708
Minority interest net income	$0	76
Net income of bank and minority interests.	$470,000	2,707
Net charge-offs	$35,000	2,690
Cash dividends	$200,000	1,609
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$415,490	2,876
2012-12-31 (YTD Data)		Rank
Total interest income	$11,479,000	2,266
Total interest expense	$1,207,000	3,184
Net interest income	$10,272,000	2,092
Provision for loan and lease losses	$251,000	3,613
Total noninterest income	$4,053,000	1,321
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$1,517,000	943
Trading account gains and fees	$0	166
Additional Noninterest Income	$2,536,000	1,317
Total noninterest expense	$9,008,000	2,121
Salaries and employee benefits	$2,905,000	3,203
Premises and equipment expense	$698,000	3,027
Additional noninterest expense	$5,405,000	1,260
Pre-tax net operating income	$5,066,000	1,358
Securities gains (losses)	$25,000	3,094
Applicable income taxes	$1,711,000	984
Income before extraordinary items	$3,380,000	1,688
Extraordinary gains, net	$0	29
Net income	$3,380,000	1,689
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,380,000	1,689
Net charge-offs	$435,000	2,837
Cash dividends	$2,374,000	1,062
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,363,500	1,597
2012-09-30 (YTD Data)		Rank
Total interest income	$8,753,000	2,285
Total interest expense	$927,000	3,243
Net interest income	$7,826,000	2,098
Provision for loan and lease losses	$253,000	3,198
Total noninterest income	$3,010,000	1,332
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$1,114,000	965
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,896,000	1,315
Total noninterest expense	$6,644,000	2,162
Salaries and employee benefits	$2,166,000	3,239
Premises and equipment expense	$516,000	3,094
Additional noninterest expense	$3,962,000	1,281
Pre-tax net operating income	$3,939,000	1,347
Securities gains (losses)	$25,000	2,786
Applicable income taxes	$1,300,000	1,010
Income before extraordinary items	$2,664,000	1,653
Extraordinary gains, net	$0	20
Net income	$2,664,000	1,653
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,664,000	1,654
Net charge-offs	$251,000	3,045
Cash dividends	$1,575,000	955
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,647,250	1,567
2012-06-30 (YTD Data)		Rank
Total interest income	$5,869,000	2,288
Total interest expense	$637,000	3,275
Net interest income	$5,232,000	2,093
Provision for loan and lease losses	$253,000	2,647
Total noninterest income	$1,937,000	1,356
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$719,000	993
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,218,000	1,329
Total noninterest expense	$4,403,000	2,183
Salaries and employee benefits	$1,395,000	3,329
Premises and equipment expense	$346,000	3,078
Additional noninterest expense	$2,662,000	1,270
Pre-tax net operating income	$2,513,000	1,388
Securities gains (losses)	$25,000	2,404
Applicable income taxes	$831,000	1,031
Income before extraordinary items	$1,707,000	1,698
Extraordinary gains, net	$0	19
Net income	$1,707,000	1,697
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,707,000	1,698
Net charge-offs	$222,000	2,622
Cash dividends	$625,000	1,391
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,690,250	1,625
2012-03-31 (YTD Data)		Rank
Total interest income	$2,955,000	2,288
Total interest expense	$340,000	3,219
Net interest income	$2,615,000	2,109
Provision for loan and lease losses	$194,000	2,076
Total noninterest income	$948,000	1,379
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$347,000	1,014
Trading account gains and fees	$0	148
Additional Noninterest Income	$601,000	1,321
Total noninterest expense	$2,204,000	2,162
Salaries and employee benefits	$677,000	3,428
Premises and equipment expense	$180,000	3,032
Additional noninterest expense	$1,347,000	1,247
Pre-tax net operating income	$1,165,000	1,480
Securities gains (losses)	$17,000	1,644
Applicable income taxes	$385,000	1,101
Income before extraordinary items	$797,000	1,805
Extraordinary gains, net	$0	19
Net income	$797,000	1,806
Minority interest net income	$0	78
Net income of bank and minority interests.	$797,000	1,806
Net charge-offs	$40,000	3,194
Cash dividends	$250,000	1,398
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$785,610	1,728
2011-12-31 (YTD Data)		Rank
Total interest income	$12,694,000	2,206
Total interest expense	$1,803,000	2,991
Net interest income	$10,891,000	2,004
Provision for loan and lease losses	$-10,000	7,209
Total noninterest income	$3,990,000	1,233
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$1,445,000	1,023
Trading account gains and fees	$0	146
Additional Noninterest Income	$2,545,000	1,155
Total noninterest expense	$8,245,000	2,303
Salaries and employee benefits	$2,821,000	3,259
Premises and equipment expense	$694,000	3,226
Additional noninterest expense	$4,730,000	1,449
Pre-tax net operating income	$6,646,000	909
Securities gains (losses)	$347,000	1,031
Applicable income taxes	$2,308,000	702
Income before extraordinary items	$4,685,000	1,060
Extraordinary gains, net	$0	29
Net income	$4,685,000	1,060
Minority interest net income	$0	96
Net income of bank and minority interests.	$4,685,000	1,060
Net charge-offs	$141,000	4,652
Cash dividends	$925,000	1,718
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$4,452,510	1,069
2011-09-30 (YTD Data)		Rank
Total interest income	$9,628,000	2,207
Total interest expense	$1,407,000	3,011
Net interest income	$8,221,000	2,006
Provision for loan and lease losses	$-11,000	7,297
Total noninterest income	$3,025,000	1,231
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$1,066,000	1,043
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,959,000	1,129
Total noninterest expense	$6,066,000	2,357
Salaries and employee benefits	$2,107,000	3,273
Premises and equipment expense	$520,000	3,265
Additional noninterest expense	$3,439,000	1,502
Pre-tax net operating income	$5,191,000	899
Securities gains (losses)	$124,000	1,593
Applicable income taxes	$1,754,000	702
Income before extraordinary items	$3,561,000	1,074
Extraordinary gains, net	$0	21
Net income	$3,561,000	1,074
Minority interest net income	$0	87
Net income of bank and minority interests.	$3,561,000	1,074
Net charge-offs	$80,000	4,630
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$3,477,920	1,044
2011-06-30 (YTD Data)		Rank
Total interest income	$6,472,000	2,203
Total interest expense	$980,000	2,989
Net interest income	$5,492,000	2,004
Provision for loan and lease losses	$-15,000	7,378
Total noninterest income	$1,964,000	1,247
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$691,000	1,067
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,273,000	1,140
Total noninterest expense	$4,051,000	2,376
Salaries and employee benefits	$1,421,000	3,269
Premises and equipment expense	$359,000	3,194
Additional noninterest expense	$2,271,000	1,526
Pre-tax net operating income	$3,420,000	880
Securities gains (losses)	$124,000	987
Applicable income taxes	$1,167,000	673
Income before extraordinary items	$2,377,000	1,042
Extraordinary gains, net	$0	15
Net income	$2,377,000	1,040
Minority interest net income	$0	89
Net income of bank and minority interests.	$2,377,000	1,042
Net charge-offs	$70,000	4,189
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$2,293,920	1,043
2011-03-31 (YTD Data)		Rank
Total interest income	$3,233,000	2,214
Total interest expense	$523,000	2,935
Net interest income	$2,710,000	2,018
Provision for loan and lease losses	$-1,000	7,432
Total noninterest income	$914,000	1,297
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$322,000	1,128
Trading account gains and fees	$0	158
Additional Noninterest Income	$592,000	1,192
Total noninterest expense	$2,044,000	2,372
Salaries and employee benefits	$721,000	3,246
Premises and equipment expense	$194,000	3,063
Additional noninterest expense	$1,129,000	1,536
Pre-tax net operating income	$1,581,000	967
Securities gains (losses)	$124,000	474
Applicable income taxes	$561,000	675
Income before extraordinary items	$1,144,000	1,066
Extraordinary gains, net	$0	9
Net income	$1,144,000	1,065
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,144,000	1,066
Net charge-offs	$65,000	3,136
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$1,060,920	1,128
2010-12-31 (YTD Data)		Rank
Total interest income	$14,236,000	2,114
Total interest expense	$3,115,000	2,526
Net interest income	$11,121,000	1,952
Provision for loan and lease losses	$0	7,042
Total noninterest income	$3,876,000	1,299
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,394,000	1,087
Trading account gains and fees	$0	175
Additional Noninterest Income	$2,482,000	1,202
Total noninterest expense	$8,150,000	2,375
Salaries and employee benefits	$2,921,000	3,188
Premises and equipment expense	$668,000	3,432
Additional noninterest expense	$4,561,000	1,582
Pre-tax net operating income	$6,847,000	785
Securities gains (losses)	$150,000	1,829
Applicable income taxes	$2,272,000	668
Income before extraordinary items	$4,725,000	935
Extraordinary gains, net	$0	29
Net income	$4,725,000	936
Minority interest net income	$0	111
Net income of bank and minority interests.	$4,725,000	937
Net charge-offs	$103,000	5,385
Cash dividends	$2,100,000	776
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$4,623,000	906
2010-09-30 (YTD Data)		Rank
Total interest income	$10,797,000	2,131
Total interest expense	$2,472,000	2,503
Net interest income	$8,325,000	1,984
Provision for loan and lease losses	$-40,000	7,690
Total noninterest income	$2,810,000	1,311
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$1,057,000	1,108
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,753,000	1,213
Total noninterest expense	$6,139,000	2,364
Salaries and employee benefits	$2,206,000	3,191
Premises and equipment expense	$505,000	3,464
Additional noninterest expense	$3,428,000	1,546
Pre-tax net operating income	$5,036,000	831
Securities gains (losses)	$58,000	2,322
Applicable income taxes	$1,652,000	694
Income before extraordinary items	$3,442,000	1,002
Extraordinary gains, net	$0	23
Net income	$3,442,000	1,005
Minority interest net income	$0	110
Net income of bank and minority interests.	$3,442,000	1,005
Net charge-offs	$71,000	5,240
Cash dividends	$2,100,000	503
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$3,402,560	969
2010-06-30 (YTD Data)		Rank
Total interest income	$7,284,000	2,142
Total interest expense	$1,727,000	2,479
Net interest income	$5,557,000	1,993
Provision for loan and lease losses	$0	6,857
Total noninterest income	$1,772,000	1,334
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$694,000	1,130
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,078,000	1,227
Total noninterest expense	$4,019,000	2,421
Salaries and employee benefits	$1,498,000	3,145
Premises and equipment expense	$338,000	3,484
Additional noninterest expense	$2,183,000	1,609
Pre-tax net operating income	$3,310,000	830
Securities gains (losses)	$35,000	2,105
Applicable income taxes	$1,094,000	668
Income before extraordinary items	$2,251,000	1,002
Extraordinary gains, net	$0	19
Net income	$2,251,000	1,003
Minority interest net income	$0	105
Net income of bank and minority interests.	$2,251,000	1,003
Net charge-offs	$58,000	4,754
Cash dividends	$2,100,000	330
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$2,227,550	964
2010-03-31 (YTD Data)		Rank
Total interest income	$3,638,000	2,201
Total interest expense	$910,000	2,470
Net interest income	$2,728,000	2,045
Provision for loan and lease losses	$0	6,552
Total noninterest income	$870,000	1,371
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$325,000	1,205
Trading account gains and fees	$0	175
Additional Noninterest Income	$545,000	1,203
Total noninterest expense	$2,012,000	2,433
Salaries and employee benefits	$753,000	3,176
Premises and equipment expense	$180,000	3,390
Additional noninterest expense	$1,079,000	1,626
Pre-tax net operating income	$1,586,000	846
Securities gains (losses)	$0	2,284
Applicable income taxes	$516,000	691
Income before extraordinary items	$1,070,000	1,023
Extraordinary gains, net	$0	16
Net income	$1,070,000	1,025
Minority interest net income	$0	91
Net income of bank and minority interests.	$1,070,000	1,026
Net charge-offs	$8,000	4,945
Cash dividends	$2,100,000	164
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$1,070,000	994
2009-12-31 (YTD Data)		Rank
Total interest income	$15,050,000	2,222
Total interest expense	$4,871,000	2,317
Net interest income	$10,179,000	2,151
Provision for loan and lease losses	$1,500,000	2,904
Total noninterest income	$3,732,000	1,365
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,378,000	1,249
Trading account gains and fees	$0	211
Additional Noninterest Income	$2,354,000	1,221
Total noninterest expense	$8,095,000	2,441
Salaries and employee benefits	$2,917,000	3,266
Premises and equipment expense	$648,000	3,672
Additional noninterest expense	$4,530,000	1,635
Pre-tax net operating income	$4,316,000	970
Securities gains (losses)	$646,000	731
Applicable income taxes	$1,598,000	669
Income before extraordinary items	$3,364,000	1,007
Extraordinary gains, net	$0	34
Net income	$3,364,000	1,005
Minority interest net income	$0	115
Net income of bank and minority interests.	$3,364,000	1,006
Net charge-offs	$245,000	4,751
Cash dividends	$3,000,000	573
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,924,720	1,145
2009-09-30 (YTD Data)		Rank
Total interest income	$11,358,000	2,238
Total interest expense	$3,801,000	2,327
Net interest income	$7,557,000	2,176
Provision for loan and lease losses	$1,500,000	2,210
Total noninterest income	$2,811,000	1,391
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$1,039,000	1,243
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,772,000	1,251
Total noninterest expense	$6,099,000	2,426
Salaries and employee benefits	$2,165,000	3,327
Premises and equipment expense	$484,000	3,710
Additional noninterest expense	$3,450,000	1,561
Pre-tax net operating income	$2,769,000	1,171
Securities gains (losses)	$560,000	639
Applicable income taxes	$1,067,000	807
Income before extraordinary items	$2,262,000	1,189
Extraordinary gains, net	$0	27
Net income	$2,262,000	1,189
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,262,000	1,189
Net charge-offs	$174,000	4,421
Cash dividends	$2,200,000	578
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,881,200	1,395
2009-06-30 (YTD Data)		Rank
Total interest income	$7,621,000	2,255
Total interest expense	$2,603,000	2,353
Net interest income	$5,018,000	2,185
Provision for loan and lease losses	$1,200,000	1,856
Total noninterest income	$1,918,000	1,377
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$693,000	1,228
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,225,000	1,246
Total noninterest expense	$4,058,000	2,462
Salaries and employee benefits	$1,430,000	3,371
Premises and equipment expense	$320,000	3,748
Additional noninterest expense	$2,308,000	1,584
Pre-tax net operating income	$1,678,000	1,367
Securities gains (losses)	$466,000	533
Applicable income taxes	$687,000	841
Income before extraordinary items	$1,457,000	1,303
Extraordinary gains, net	$0	21
Net income	$1,457,000	1,302
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,457,000	1,302
Net charge-offs	$116,000	4,083
Cash dividends	$1,400,000	647
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,140,120	1,605
2009-03-31 (YTD Data)		Rank
Total interest income	$3,805,000	2,295
Total interest expense	$1,300,000	2,444
Net interest income	$2,505,000	2,194
Provision for loan and lease losses	$600,000	1,587
Total noninterest income	$914,000	1,391
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$337,000	1,225
Trading account gains and fees	$0	171
Additional Noninterest Income	$577,000	1,269
Total noninterest expense	$1,941,000	2,491
Salaries and employee benefits	$714,000	3,407
Premises and equipment expense	$166,000	3,699
Additional noninterest expense	$1,061,000	1,520
Pre-tax net operating income	$878,000	1,471
Securities gains (losses)	$241,000	589
Applicable income taxes	$327,000	988
Income before extraordinary items	$792,000	1,385
Extraordinary gains, net	$0	15
Net income	$792,000	1,386
Minority interest net income	$0	102
Net income of bank and minority interests.	$792,000	1,387
Net charge-offs	$91,000	2,975
Cash dividends	$650,000	672
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$620,890	1,646
2008-12-31 (YTD Data)		Rank
Total interest income	$16,943,000	2,235
Total interest expense	$6,146,000	2,466
Net interest income	$10,797,000	2,052
Provision for loan and lease losses	$735,000	3,165
Total noninterest income	$3,672,000	1,355
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,402,000	1,279
Trading account gains and fees	$0	154
Additional Noninterest Income	$2,270,000	1,192
Total noninterest expense	$7,352,000	2,575
Salaries and employee benefits	$2,710,000	3,538
Premises and equipment expense	$612,000	3,880
Additional noninterest expense	$4,030,000	1,537
Pre-tax net operating income	$6,382,000	876
Securities gains (losses)	$282,000	574
Applicable income taxes	$2,214,000	619
Income before extraordinary items	$4,450,000	920
Extraordinary gains, net	$0	39
Net income	$4,450,000	919
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$163,000	4,371
Cash dividends	$1,918,000	1,415
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$4,261,060	1,035
2008-09-30 (YTD Data)		Rank
Total interest income	$12,856,000	2,253
Total interest expense	$4,757,000	2,486
Net interest income	$8,099,000	2,063
Provision for loan and lease losses	$135,000	4,747
Total noninterest income	$2,895,000	1,334
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$1,035,000	1,311
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,860,000	1,171
Total noninterest expense	$5,542,000	2,553
Salaries and employee benefits	$2,055,000	3,527
Premises and equipment expense	$466,000	3,838
Additional noninterest expense	$3,021,000	1,475
Pre-tax net operating income	$5,317,000	950
Securities gains (losses)	$244,000	541
Applicable income taxes	$1,848,000	694
Income before extraordinary items	$3,713,000	990
Extraordinary gains, net	$0	31
Net income	$3,713,000	989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,000	3,686
Cash dividends	$1,318,000	1,469
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$3,549,520	1,097
2008-06-30 (YTD Data)		Rank
Total interest income	$8,685,000	2,257
Total interest expense	$3,404,000	2,417
Net interest income	$5,281,000	2,106
Provision for loan and lease losses	$87,000	4,515
Total noninterest income	$2,042,000	1,309
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$663,000	1,345
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,379,000	1,117
Total noninterest expense	$3,829,000	2,475
Salaries and employee benefits	$1,408,000	3,501
Premises and equipment expense	$312,000	3,851
Additional noninterest expense	$2,109,000	1,394
Pre-tax net operating income	$3,407,000	1,051
Securities gains (losses)	$233,000	550
Applicable income taxes	$1,207,000	799
Income before extraordinary items	$2,433,000	1,124
Extraordinary gains, net	$0	21
Net income	$2,433,000	1,124
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	3,432
Cash dividends	$350,000	2,743
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$2,276,890	1,196
2008-03-31 (YTD Data)		Rank
Total interest income	$4,464,000	2,253
Total interest expense	$1,888,000	2,357
Net interest income	$2,576,000	2,146
Provision for loan and lease losses	$45,000	3,899
Total noninterest income	$813,000	1,547
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$308,000	1,420
Trading account gains and fees	$0	158
Additional Noninterest Income	$505,000	1,406
Total noninterest expense	$1,899,000	2,484
Salaries and employee benefits	$685,000	3,606
Premises and equipment expense	$161,000	3,774
Additional noninterest expense	$1,053,000	1,366
Pre-tax net operating income	$1,445,000	1,315
Securities gains (losses)	$154,000	531
Applicable income taxes	$531,000	963
Income before extraordinary items	$1,068,000	1,406
Extraordinary gains, net	$0	15
Net income	$1,068,000	1,409
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	2,854
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$964,820	1,500
2007-12-31 (YTD Data)		Rank
Total interest income	$16,273,000	2,501
Total interest expense	$6,788,000	2,708
Net interest income	$9,485,000	2,343
Provision for loan and lease losses	$108,000	4,801
Total noninterest income	$2,816,000	1,717
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,113,000	1,608
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,703,000	1,525
Total noninterest expense	$7,083,000	2,557
Salaries and employee benefits	$3,008,000	3,223
Premises and equipment expense	$585,000	3,914
Additional noninterest expense	$3,490,000	1,587
Pre-tax net operating income	$5,110,000	1,607
Securities gains (losses)	$-41,000	7,967
Applicable income taxes	$1,638,000	1,319
Income before extraordinary items	$3,431,000	1,825
Extraordinary gains, net	$0	39
Net income	$3,431,000	1,824
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	3,784
Cash dividends	$3,475,000	1,061
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$3,458,880	1,806
2007-09-30 (YTD Data)		Rank
Total interest income	$12,023,000	2,536
Total interest expense	$4,925,000	2,778
Net interest income	$7,098,000	2,360
Provision for loan and lease losses	$60,000	4,834
Total noninterest income	$1,990,000	1,793
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$798,000	1,656
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,192,000	1,604
Total noninterest expense	$5,296,000	2,554
Salaries and employee benefits	$2,386,000	3,049
Premises and equipment expense	$429,000	3,957
Additional noninterest expense	$2,481,000	1,643
Pre-tax net operating income	$3,732,000	1,769
Securities gains (losses)	$28,000	749
Applicable income taxes	$1,216,000	1,431
Income before extraordinary items	$2,544,000	1,977
Extraordinary gains, net	$0	33
Net income	$2,544,000	1,975
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	3,266
Cash dividends	$2,374,000	1,073
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,524,960	1,980
2007-06-30 (YTD Data)		Rank
Total interest income	$7,823,000	2,606
Total interest expense	$3,184,000	2,851
Net interest income	$4,639,000	2,434
Provision for loan and lease losses	$24,000	5,201
Total noninterest income	$1,374,000	1,774
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$529,000	1,667
Trading account gains and fees	$0	168
Additional Noninterest Income	$845,000	1,562
Total noninterest expense	$3,657,000	2,494
Salaries and employee benefits	$1,747,000	2,842
Premises and equipment expense	$284,000	3,995
Additional noninterest expense	$1,626,000	1,667
Pre-tax net operating income	$2,332,000	1,906
Securities gains (losses)	$28,000	639
Applicable income taxes	$759,000	1,552
Income before extraordinary items	$1,601,000	2,106
Extraordinary gains, net	$0	29
Net income	$1,601,000	2,105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	3,576
Cash dividends	$1,575,000	1,077
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,581,960	2,104
2007-03-31 (YTD Data)		Rank
Total interest income	$3,846,000	2,634
Total interest expense	$1,560,000	2,883
Net interest income	$2,286,000	2,472
Provision for loan and lease losses	$0	5,779
Total noninterest income	$616,000	1,908
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$253,000	1,701
Trading account gains and fees	$0	195
Additional Noninterest Income	$363,000	1,712
Total noninterest expense	$1,761,000	2,595
Salaries and employee benefits	$814,000	3,044
Premises and equipment expense	$161,000	3,678
Additional noninterest expense	$786,000	1,705
Pre-tax net operating income	$1,141,000	1,948
Securities gains (losses)	$28,000	491
Applicable income taxes	$375,000	1,590
Income before extraordinary items	$794,000	2,077
Extraordinary gains, net	$0	22
Net income	$794,000	2,077
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	3,041
Cash dividends	$800,000	962
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$774,960	2,115
2006-12-31 (YTD Data)		Rank
Total interest income	$15,498,000	2,486
Total interest expense	$5,949,000	2,621
Net interest income	$9,549,000	2,385
Provision for loan and lease losses	$0	6,850
Total noninterest income	$3,388,000	1,461
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,101,000	1,604
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,287,000	1,225
Total noninterest expense	$7,101,000	2,487
Salaries and employee benefits	$2,889,000	3,238
Premises and equipment expense	$584,000	3,851
Additional noninterest expense	$3,628,000	1,462
Pre-tax net operating income	$5,836,000	1,651
Securities gains (losses)	$66,000	625
Applicable income taxes	$1,913,000	1,382
Income before extraordinary items	$3,989,000	1,792
Extraordinary gains, net	$0	51
Net income	$3,989,000	1,794
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	4,266
Cash dividends	$3,350,000	1,012
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$3,944,120	1,789
2006-09-30 (YTD Data)		Rank
Total interest income	$11,553,000	2,482
Total interest expense	$4,346,000	2,596
Net interest income	$7,207,000	2,396
Provision for loan and lease losses	$0	6,685
Total noninterest income	$2,118,000	1,723
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$828,000	1,606
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,290,000	1,508
Total noninterest expense	$5,278,000	2,494
Salaries and employee benefits	$2,186,000	3,211
Premises and equipment expense	$417,000	4,008
Additional noninterest expense	$2,675,000	1,478
Pre-tax net operating income	$4,047,000	1,822
Securities gains (losses)	$66,000	500
Applicable income taxes	$1,323,000	1,529
Income before extraordinary items	$2,790,000	1,958
Extraordinary gains, net	$0	45
Net income	$2,790,000	1,959
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	3,608
Cash dividends	$2,450,000	976
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,745,120	1,971
2006-06-30 (YTD Data)		Rank
Total interest income	$7,583,000	2,482
Total interest expense	$2,771,000	2,610
Net interest income	$4,812,000	2,407
Provision for loan and lease losses	$0	6,419
Total noninterest income	$1,390,000	1,740
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$546,000	1,612
Trading account gains and fees	$0	126
Additional Noninterest Income	$844,000	1,528
Total noninterest expense	$3,474,000	2,542
Salaries and employee benefits	$1,432,000	3,265
Premises and equipment expense	$265,000	4,128
Additional noninterest expense	$1,777,000	1,495
Pre-tax net operating income	$2,728,000	1,819
Securities gains (losses)	$0	1,185
Applicable income taxes	$877,000	1,544
Income before extraordinary items	$1,851,000	1,967
Extraordinary gains, net	$0	39
Net income	$1,851,000	1,969
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	3,501
Cash dividends	$1,500,000	1,024
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,851,000	1,950
2006-03-31 (YTD Data)		Rank
Total interest income	$3,719,000	2,483
Total interest expense	$1,328,000	2,596
Net interest income	$2,391,000	2,411
Provision for loan and lease losses	$0	6,013
Total noninterest income	$739,000	1,627
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$264,000	1,612
Trading account gains and fees	$0	115
Additional Noninterest Income	$475,000	1,395
Total noninterest expense	$1,820,000	2,433
Salaries and employee benefits	$723,000	3,243
Premises and equipment expense	$142,000	3,946
Additional noninterest expense	$955,000	1,379
Pre-tax net operating income	$1,310,000	1,836
Securities gains (losses)	$0	955
Applicable income taxes	$421,000	1,591
Income before extraordinary items	$889,000	1,992
Extraordinary gains, net	$0	21
Net income	$889,000	1,991
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	2,166
Cash dividends	$700,000	1,018
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$889,000	1,976
2005-12-31 (YTD Data)		Rank
Total interest income	$13,750,000	2,404
Total interest expense	$4,299,000	2,503
Net interest income	$9,451,000	2,339
Provision for loan and lease losses	$0	7,120
Total noninterest income	$3,102,000	1,566
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$1,117,000	1,554
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,985,000	1,373
Total noninterest expense	$7,192,000	2,329
Salaries and employee benefits	$2,921,000	3,037
Premises and equipment expense	$509,000	4,126
Additional noninterest expense	$3,762,000	1,359
Pre-tax net operating income	$5,361,000	1,744
Securities gains (losses)	$15,000	1,350
Applicable income taxes	$1,709,000	1,540
Income before extraordinary items	$3,667,000	1,874
Extraordinary gains, net	$0	46
Net income	$3,667,000	1,873
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$202,000	2,271
Cash dividends	$2,650,000	1,146
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$3,656,800	1,858
2005-09-30 (YTD Data)		Rank
Total interest income	$10,107,000	2,383
Total interest expense	$3,079,000	2,487
Net interest income	$7,028,000	2,335
Provision for loan and lease losses	$0	6,899
Total noninterest income	$2,398,000	1,525
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$834,000	1,554
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,564,000	1,319
Total noninterest expense	$5,426,000	2,289
Salaries and employee benefits	$2,216,000	2,972
Premises and equipment expense	$376,000	4,158
Additional noninterest expense	$2,834,000	1,346
Pre-tax net operating income	$4,000,000	1,764
Securities gains (losses)	$15,000	1,338
Applicable income taxes	$1,274,000	1,569
Income before extraordinary items	$2,741,000	1,912
Extraordinary gains, net	$0	35
Net income	$2,741,000	1,912
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	1,945
Cash dividends	$1,850,000	1,131
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$2,730,800	1,881
2005-06-30 (YTD Data)		Rank
Total interest income	$6,652,000	2,370
Total interest expense	$1,997,000	2,426
Net interest income	$4,655,000	2,325
Provision for loan and lease losses	$0	6,626
Total noninterest income	$1,587,000	1,526
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$517,000	1,623
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,070,000	1,281
Total noninterest expense	$3,644,000	2,255
Salaries and employee benefits	$1,494,000	2,933
Premises and equipment expense	$236,000	4,311
Additional noninterest expense	$1,914,000	1,304
Pre-tax net operating income	$2,598,000	1,774
Securities gains (losses)	$15,000	1,210
Applicable income taxes	$838,000	1,560
Income before extraordinary items	$1,775,000	1,921
Extraordinary gains, net	$0	30
Net income	$1,775,000	1,921
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	1,551
Cash dividends	$1,350,000	1,027
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,764,800	1,894
2005-03-31 (YTD Data)		Rank
Total interest income	$3,279,000	2,351
Total interest expense	$987,000	2,361
Net interest income	$2,292,000	2,342
Provision for loan and lease losses	$0	6,226
Total noninterest income	$770,000	1,538
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$249,000	1,634
Trading account gains and fees	$0	115
Additional Noninterest Income	$521,000	1,295
Total noninterest expense	$1,824,000	2,274
Salaries and employee benefits	$762,000	2,888
Premises and equipment expense	$113,000	4,465
Additional noninterest expense	$949,000	1,308
Pre-tax net operating income	$1,238,000	1,828
Securities gains (losses)	$15,000	882
Applicable income taxes	$402,000	1,596
Income before extraordinary items	$851,000	1,975
Extraordinary gains, net	$0	24
Net income	$851,000	1,976
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	1,037
Cash dividends	$650,000	966
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$840,800	1,963
2004-12-31 (YTD Data)		Rank
Total interest income	$13,621,000	2,099
Total interest expense	$3,841,000	2,117
Net interest income	$9,780,000	2,077
Provision for loan and lease losses	$0	7,314
Total noninterest income	$3,098,000	1,557
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$1,074,000	1,634
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,024,000	1,307
Total noninterest expense	$6,900,000	2,307
Salaries and employee benefits	$3,132,000	2,727
Premises and equipment expense	$583,000	3,620
Additional noninterest expense	$3,185,000	1,542
Pre-tax net operating income	$5,978,000	1,441
Securities gains (losses)	$107,000	1,193
Applicable income taxes	$1,982,000	1,284
Income before extraordinary items	$4,103,000	1,577
Extraordinary gains, net	$0	34
Net income	$4,103,000	1,578
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$225,000	2,408
Cash dividends	$3,635,000	830
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$4,031,310	1,558
2004-09-30 (YTD Data)		Rank
Total interest income	$10,297,000	2,035
Total interest expense	$2,908,000	2,057
Net interest income	$7,389,000	2,041
Provision for loan and lease losses	$0	7,100
Total noninterest income	$2,229,000	1,630
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$809,000	1,638
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,420,000	1,393
Total noninterest expense	$5,156,000	2,310
Salaries and employee benefits	$2,361,000	2,708
Premises and equipment expense	$435,000	3,639
Additional noninterest expense	$2,360,000	1,542
Pre-tax net operating income	$4,462,000	1,458
Securities gains (losses)	$108,000	1,119
Applicable income taxes	$1,485,000	1,291
Income before extraordinary items	$3,085,000	1,576
Extraordinary gains, net	$0	26
Net income	$3,085,000	1,577
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$158,000	2,205
Cash dividends	$2,135,000	919
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$3,011,560	1,558
2004-06-30 (YTD Data)		Rank
Total interest income	$6,985,000	1,996
Total interest expense	$1,977,000	1,989
Net interest income	$5,008,000	1,989
Provision for loan and lease losses	$0	6,885
Total noninterest income	$1,509,000	1,579
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$534,000	1,634
Trading account gains and fees	$0	130
Additional Noninterest Income	$975,000	1,348
Total noninterest expense	$3,420,000	2,322
Salaries and employee benefits	$1,566,000	2,727
Premises and equipment expense	$290,000	3,657
Additional noninterest expense	$1,564,000	1,547
Pre-tax net operating income	$3,097,000	1,373
Securities gains (losses)	$107,000	981
Applicable income taxes	$1,042,000	1,241
Income before extraordinary items	$2,162,000	1,491
Extraordinary gains, net	$0	21
Net income	$2,162,000	1,492
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	2,362
Cash dividends	$1,423,000	946
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$2,090,310	1,483
2004-03-31 (YTD Data)		Rank
Total interest income	$3,568,000	1,969
Total interest expense	$1,023,000	1,952
Net interest income	$2,545,000	1,962
Provision for loan and lease losses	$0	6,501
Total noninterest income	$736,000	1,597
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$267,000	1,598
Trading account gains and fees	$0	121
Additional Noninterest Income	$469,000	1,358
Total noninterest expense	$1,724,000	2,310
Salaries and employee benefits	$820,000	2,622
Premises and equipment expense	$142,000	3,735
Additional noninterest expense	$762,000	1,566
Pre-tax net operating income	$1,557,000	1,349
Securities gains (losses)	$0	2,934
Applicable income taxes	$503,000	1,282
Income before extraordinary items	$1,054,000	1,519
Extraordinary gains, net	$0	16
Net income	$1,054,000	1,519
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	2,164
Cash dividends	$712,000	903
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$1,054,000	1,433
2003-12-31 (YTD Data)		Rank
Total interest income	$14,545,000	1,951
Total interest expense	$4,599,000	1,938
Net interest income	$9,946,000	1,971
Provision for loan and lease losses	$0	7,651
Total noninterest income	$3,529,000	1,479
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$1,158,000	1,485
Trading account gains and fees	$0	160
Additional Noninterest Income	$2,371,000	1,283
Total noninterest expense	$6,722,000	2,328
Salaries and employee benefits	$2,992,000	2,777
Premises and equipment expense	$592,000	3,560
Additional noninterest expense	$3,138,000	1,575
Pre-tax net operating income	$6,753,000	1,239
Securities gains (losses)	$216,000	1,291
Applicable income taxes	$2,203,000	1,196
Income before extraordinary items	$4,766,000	1,338
Extraordinary gains, net	$0	54
Net income	$4,766,000	1,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,000	4,107
Cash dividends	$9,429,000	395
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$4,619,120	1,310
2003-09-30 (YTD Data)		Rank
Total interest income	$10,909,000	1,976
Total interest expense	$3,532,000	1,979
Net interest income	$7,377,000	2,000
Provision for loan and lease losses	$0	7,481
Total noninterest income	$2,744,000	1,476
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$875,000	1,494
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,869,000	1,301
Total noninterest expense	$5,029,000	2,347
Salaries and employee benefits	$2,227,000	2,805
Premises and equipment expense	$450,000	3,524
Additional noninterest expense	$2,352,000	1,567
Pre-tax net operating income	$5,092,000	1,265
Securities gains (losses)	$213,000	1,195
Applicable income taxes	$1,674,000	1,227
Income before extraordinary items	$3,631,000	1,374
Extraordinary gains, net	$0	40
Net income	$3,631,000	1,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	3,953
Cash dividends	$3,397,000	667
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$3,486,160	1,345
2003-06-30 (YTD Data)		Rank
Total interest income	$7,430,000	1,957
Total interest expense	$2,419,000	1,984
Net interest income	$5,011,000	1,950
Provision for loan and lease losses	$0	7,324
Total noninterest income	$1,798,000	1,484
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$570,000	1,503
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,228,000	1,310
Total noninterest expense	$3,316,000	2,369
Salaries and employee benefits	$1,497,000	2,784
Premises and equipment expense	$301,000	3,474
Additional noninterest expense	$1,518,000	1,601
Pre-tax net operating income	$3,493,000	1,225
Securities gains (losses)	$132,000	1,312
Applicable income taxes	$1,144,000	1,226
Income before extraordinary items	$2,481,000	1,334
Extraordinary gains, net	$0	30
Net income	$2,481,000	1,334
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	4,731
Cash dividends	$2,265,000	662
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$2,391,240	1,287
2003-03-31 (YTD Data)		Rank
Total interest income	$3,775,000	1,942
Total interest expense	$1,244,000	1,983
Net interest income	$2,531,000	1,931
Provision for loan and lease losses	$0	6,934
Total noninterest income	$865,000	1,484
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$277,000	1,501
Trading account gains and fees	$0	134
Additional Noninterest Income	$588,000	1,321
Total noninterest expense	$1,680,000	2,318
Salaries and employee benefits	$751,000	2,767
Premises and equipment expense	$160,000	3,310
Additional noninterest expense	$769,000	1,537
Pre-tax net operating income	$1,716,000	1,254
Securities gains (losses)	$133,000	847
Applicable income taxes	$584,000	1,209
Income before extraordinary items	$1,265,000	1,306
Extraordinary gains, net	$0	21
Net income	$1,265,000	1,304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	3,410
Cash dividends	$1,132,000	622
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,174,560	1,309
2002-12-31 (YTD Data)		Rank
Total interest income	$17,120,000	1,810
Total interest expense	$6,062,000	1,884
Net interest income	$11,058,000	1,746
Provision for loan and lease losses	$150,000	4,907
Total noninterest income	$3,603,000	1,356
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,096,000	1,471
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,507,000	1,126
Total noninterest expense	$6,677,000	2,234
Salaries and employee benefits	$2,791,000	2,825
Premises and equipment expense	$652,000	3,175
Additional noninterest expense	$3,234,000	1,473
Pre-tax net operating income	$7,834,000	1,082
Securities gains (losses)	$0	4,537
Applicable income taxes	$2,513,000	1,072
Income before extraordinary items	$5,321,000	1,181
Extraordinary gains, net	$0	70
Net income	$5,321,000	1,181
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$203,000	2,992
Cash dividends	$7,558,000	444
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$5,321,000	1,135
2001-12-31 (YTD Data)		Rank
Total interest income	$19,621,000	1,735
Total interest expense	$9,460,000	1,718
Net interest income	$10,161,000	1,758
Provision for loan and lease losses	$260,000	3,515
Total noninterest income	$3,231,000	1,398
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$985,000	1,502
Trading account gains and fees	$0	177
Additional Noninterest Income	$2,246,000	1,142
Total noninterest expense	$6,579,000	2,184
Salaries and employee benefits	$2,964,000	2,534
Premises and equipment expense	$596,000	3,374
Additional noninterest expense	$3,019,000	1,539
Pre-tax net operating income	$6,553,000	1,133
Securities gains (losses)	$-2,000	9,092
Applicable income taxes	$2,160,000	1,099
Income before extraordinary items	$4,391,000	1,241
Extraordinary gains, net	$0	105
Net income	$4,391,000	1,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$367,000	1,951
Cash dividends	$5,620,000	558
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$4,392,340	1,190
2000-12-31 (YTD Data)		Rank
Total interest income	$19,134,000	1,818
Total interest expense	$9,190,000	1,875
Net interest income	$9,944,000	1,769
Provision for loan and lease losses	$0	8,337
Total noninterest income	$2,469,000	1,607
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$853,000	1,619
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,616,000	1,303
Total noninterest expense	$6,306,000	2,181
Salaries and employee benefits	$3,023,000	2,370
Premises and equipment expense	$743,000	2,744
Additional noninterest expense	$2,540,000	1,748
Pre-tax net operating income	$6,107,000	1,210
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,982,000	1,160
Income before extraordinary items	$4,125,000	1,268
Extraordinary gains, net	$0	38
Net income	$4,125,000	1,271
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$185,000	2,523
Cash dividends	$2,773,000	1,033
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$4,125,000	1,264
1999-12-31 (YTD Data)		Rank
Total interest income	$18,045,000	1,802
Total interest expense	$8,373,000	1,770
Net interest income	$9,672,000	1,801
Provision for loan and lease losses	$240,000	3,119
Total noninterest income	$2,120,000	1,779
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$727,000	1,829
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,393,000	1,457
Total noninterest expense	$6,159,000	2,225
Salaries and employee benefits	$2,972,000	2,361
Premises and equipment expense	$721,000	2,801
Additional noninterest expense	$2,466,000	1,795
Pre-tax net operating income	$5,393,000	1,411
Securities gains (losses)	$0	3,155
Applicable income taxes	$1,751,000	1,392
Income before extraordinary items	$3,642,000	1,483
Extraordinary gains, net	$0	35
Net income	$3,642,000	1,484
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	3,578
Cash dividends	$2,546,000	1,110
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$3,642,000	1,457
1998-12-31 (YTD Data)		Rank
Total interest income	$17,699,000	1,835
Total interest expense	$8,299,000	1,842
Net interest income	$9,400,000	1,819
Provision for loan and lease losses	$210,000	3,403
Total noninterest income	$1,791,000	1,994
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$637,000	2,020
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,154,000	1,677
Total noninterest expense	$5,957,000	2,185
Salaries and employee benefits	$2,691,000	2,511
Premises and equipment expense	$640,000	2,994
Additional noninterest expense	$2,626,000	1,640
Pre-tax net operating income	$5,024,000	1,468
Securities gains (losses)	$0	4,449
Applicable income taxes	$1,724,000	1,441
Income before extraordinary items	$3,300,000	1,590
Extraordinary gains, net	$0	32
Net income	$3,300,000	1,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,135
Cash dividends	$1,590,000	1,577
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$3,300,000	1,536
1997-12-31 (YTD Data)		Rank
Total interest income	$16,979,000	1,945
Total interest expense	$7,801,000	1,976
Net interest income	$9,178,000	1,899
Provision for loan and lease losses	$355,000	2,301
Total noninterest income	$1,519,000	2,174
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$671,000	1,947
Trading account gains and fees	$0	239
Additional Noninterest Income	$848,000	1,956
Total noninterest expense	$5,652,000	2,281
Salaries and employee benefits	$2,656,000	2,498
Premises and equipment expense	$625,000	3,032
Additional noninterest expense	$2,371,000	1,792
Pre-tax net operating income	$4,690,000	1,645
Securities gains (losses)	$7,000	2,566
Applicable income taxes	$1,654,000	1,564
Income before extraordinary items	$3,043,000	1,747
Extraordinary gains, net	$0	44
Net income	$3,043,000	1,747
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$169,000	2,828
Cash dividends	$2,423,000	1,115
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$3,038,450	1,711
1996-12-31 (YTD Data)		Rank
Total interest income	$16,073,000	2,096
Total interest expense	$7,487,000	2,099
Net interest income	$8,586,000	2,085
Provision for loan and lease losses	$240,000	3,003
Total noninterest income	$1,468,000	2,326
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$675,000	2,004
Trading account gains and fees	$0	262
Additional Noninterest Income	$793,000	2,121
Total noninterest expense	$6,039,000	2,273
Salaries and employee benefits	$2,477,000	2,727
Premises and equipment expense	$650,000	2,974
Additional noninterest expense	$2,912,000	1,787
Pre-tax net operating income	$3,775,000	1,918
Securities gains (losses)	$8,000	2,673
Applicable income taxes	$1,328,000	1,813
Income before extraordinary items	$2,455,000	2,019
Extraordinary gains, net	$0	53
Net income	$2,455,000	2,021
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,597
Cash dividends	$1,512,000	1,559
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$2,449,800	1,984
1995-12-31 (YTD Data)		Rank
Total interest income	$15,525,000	2,176
Total interest expense	$7,109,000	2,183
Net interest income	$8,416,000	2,132
Provision for loan and lease losses	$215,000	2,872
Total noninterest income	$1,483,000	2,302
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$598,000	2,275
Trading account gains and fees	$0	522
Additional Noninterest Income	$885,000	1,962
Total noninterest expense	$5,791,000	2,349
Salaries and employee benefits	$2,661,000	2,512
Premises and equipment expense	$642,000	3,041
Additional noninterest expense	$2,488,000	2,006
Pre-tax net operating income	$3,893,000	1,907
Securities gains (losses)	$0	3,831
Applicable income taxes	$1,293,000	1,885
Income before extraordinary items	$2,600,000	1,926
Extraordinary gains, net	$0	65
Net income	$2,600,000	1,923
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$338,000	1,789
Cash dividends	$2,741,000	991
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$2,600,000	1,907
1994-12-31 (YTD Data)		Rank
Total interest income	$10,582,000	2,866
Total interest expense	$4,057,000	3,002
Net interest income	$6,525,000	2,781
Provision for loan and lease losses	$14,000	8,180
Total noninterest income	$734,000	3,969
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$368,000	3,668
Trading account gains and fees	$0	475
Additional Noninterest Income	$366,000	3,610
Total noninterest expense	$4,603,000	2,994
Salaries and employee benefits	$2,144,000	3,081
Premises and equipment expense	$518,000	3,685
Additional noninterest expense	$1,941,000	2,641
Pre-tax net operating income	$2,642,000	2,689
Securities gains (losses)	$-23,000	10,454
Applicable income taxes	$561,000	3,703
Income before extraordinary items	$2,058,000	2,362
Extraordinary gains, net	$0	249
Net income	$2,058,000	2,362
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$410,000	1,562
Cash dividends	$946,000	2,015
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,076,170	2,364
1993-12-31 (YTD Data)		Rank
Total interest income	$9,542,000	3,245
Total interest expense	$3,772,000	3,338
Net interest income	$5,770,000	3,139
Provision for loan and lease losses	$195,000	3,979
Total noninterest income	$849,000	3,801
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$309,000	4,311
Trading account gains and fees	$0	532
Additional Noninterest Income	$540,000	3,099
Total noninterest expense	$3,982,000	3,508
Salaries and employee benefits	$1,866,000	3,495
Premises and equipment expense	$486,000	3,965
Additional noninterest expense	$1,630,000	3,262
Pre-tax net operating income	$2,442,000	2,766
Securities gains (losses)	$0	7,477
Applicable income taxes	$437,000	4,693
Income before extraordinary items	$2,005,000	2,514
Extraordinary gains, net	$-235,000	13,075
Net income	$1,770,000	2,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	4,711
Cash dividends	$529,000	2,938
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,005,000	2,358
1992-12-31 (YTD Data)		Rank
Total interest income	$10,596,000	3,306
Total interest expense	$4,859,000	3,398
Net interest income	$5,737,000	3,203
Provision for loan and lease losses	$302,000	4,094
Total noninterest income	$537,000	5,363
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$293,000	4,528
Trading account gains and fees	$0	504
Additional Noninterest Income	$244,000	5,037
Total noninterest expense	$3,816,000	3,646
Salaries and employee benefits	$1,762,000	3,629
Premises and equipment expense	$505,000	3,931
Additional noninterest expense	$1,549,000	3,503
Pre-tax net operating income	$2,156,000	2,886
Securities gains (losses)	$6,000	6,913
Applicable income taxes	$396,000	4,834
Income before extraordinary items	$1,766,000	2,599
Extraordinary gains, net	$0	1,422
Net income	$1,766,000	2,636
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,000	6,002
Cash dividends	$1,132,000	1,396
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,761,080	2,418

* 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.