Home > The Elkhart State Bank > Income and Expense

The Elkhart State Bank, Income and Expense

2015-03-31 (YTD Data)		Rank
Total interest income	$325,000	5,987
Total interest expense	$15,000	6,165
Net interest income	$310,000	5,937
Provision for loan and lease losses	$263,000	719
Total noninterest income	$101,000	4,512
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$41,000	4,018
Trading account gains and fees	$0	152
Additional Noninterest Income	$60,000	4,313
Total noninterest expense	$615,000	4,852
Salaries and employee benefits	$305,000	4,986
Premises and equipment expense	$22,000	5,991
Additional noninterest expense	$288,000	4,060
Pre-tax net operating income	$-467,000	6,357
Securities gains (losses)	$0	2,027
Applicable income taxes	$0	4,400
Income before extraordinary items	$-467,000	6,360
Extraordinary gains, net	$0	13
Net income	$-467,000	6,361
Minority interest net income	$0	64
Net income of bank and minority interests.	$-467,000	6,361
Net charge-offs	$370,000	462
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$-467,000	6,356
2014-12-31 (YTD Data)		Rank
Total interest income	$2,050,000	5,614
Total interest expense	$248,000	5,239
Net interest income	$1,802,000	5,622
Provision for loan and lease losses	$3,352,000	291
Total noninterest income	$783,000	3,521
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$224,000	3,735
Trading account gains and fees	$0	180
Additional Noninterest Income	$559,000	3,115
Total noninterest expense	$2,668,000	4,756
Salaries and employee benefits	$1,392,000	4,798
Premises and equipment expense	$83,000	6,148
Additional noninterest expense	$1,193,000	4,063
Pre-tax net operating income	$-3,435,000	6,471
Securities gains (losses)	$11,000	2,605
Applicable income taxes	$83,000	3,489
Income before extraordinary items	$-3,507,000	6,465
Extraordinary gains, net	$0	17
Net income	$-3,507,000	6,464
Minority interest net income	$0	84
Net income of bank and minority interests.	$-3,507,000	6,464
Net charge-offs	$1,960,000	523
Cash dividends	$3,000	4,353
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-3,518,000	6,466
2014-09-30 (YTD Data)		Rank
Total interest income	$1,680,000	5,552
Total interest expense	$230,000	4,989
Net interest income	$1,450,000	5,588
Provision for loan and lease losses	$2,425,000	291
Total noninterest income	$273,000	4,806
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$176,000	3,701
Trading account gains and fees	$0	174
Additional Noninterest Income	$97,000	5,083
Total noninterest expense	$2,044,000	4,731
Salaries and employee benefits	$1,075,000	4,767
Premises and equipment expense	$74,000	6,101
Additional noninterest expense	$895,000	4,095
Pre-tax net operating income	$-2,746,000	6,552
Securities gains (losses)	$36,000	1,670
Applicable income taxes	$0	4,583
Income before extraordinary items	$-2,710,000	6,543
Extraordinary gains, net	$0	15
Net income	$-2,710,000	6,542
Minority interest net income	$0	81
Net income of bank and minority interests.	$-2,710,000	6,542
Net charge-offs	$1,189,000	591
Cash dividends	$3,000	3,838
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$-2,746,000	6,545
2014-06-30 (YTD Data)		Rank
Total interest income	$1,140,000	5,559
Total interest expense	$172,000	4,842
Net interest income	$968,000	5,621
Provision for loan and lease losses	$749,000	611
Total noninterest income	$190,000	4,745
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$116,000	3,689
Trading account gains and fees	$0	172
Additional Noninterest Income	$74,000	4,916
Total noninterest expense	$1,374,000	4,741
Salaries and employee benefits	$680,000	4,908
Premises and equipment expense	$38,000	6,310
Additional noninterest expense	$656,000	3,895
Pre-tax net operating income	$-965,000	6,578
Securities gains (losses)	$-16,000	6,350
Applicable income taxes	$2,000	4,388
Income before extraordinary items	$-983,000	6,578
Extraordinary gains, net	$0	20
Net income	$-983,000	6,578
Minority interest net income	$0	80
Net income of bank and minority interests.	$-983,000	6,578
Net charge-offs	$76,000	2,440
Cash dividends	$3,000	3,659
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$-967,000	6,574
2014-03-31 (YTD Data)		Rank
Total interest income	$582,000	5,570
Total interest expense	$91,000	4,815
Net interest income	$491,000	5,645
Provision for loan and lease losses	$6,000	3,525
Total noninterest income	$89,000	4,815
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$56,000	3,746
Trading account gains and fees	$0	147
Additional Noninterest Income	$33,000	5,055
Total noninterest expense	$607,000	5,061
Salaries and employee benefits	$378,000	4,719
Premises and equipment expense	$18,000	6,404
Additional noninterest expense	$211,000	4,877
Pre-tax net operating income	$-33,000	6,330
Securities gains (losses)	$1,000	1,605
Applicable income taxes	$-3,000	6,396
Income before extraordinary items	$-29,000	6,331
Extraordinary gains, net	$0	16
Net income	$-29,000	6,331
Minority interest net income	$0	66
Net income of bank and minority interests.	$-29,000	6,332
Net charge-offs	$46,000	1,931
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$-29,910	6,324
2013-12-31 (YTD Data)		Rank
Total interest income	$2,605,000	5,475
Total interest expense	$328,000	5,244
Net interest income	$2,277,000	5,429
Provision for loan and lease losses	$1,324,000	878
Total noninterest income	$386,000	4,793
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$248,000	3,722
Trading account gains and fees	$0	184
Additional Noninterest Income	$138,000	5,032
Total noninterest expense	$2,636,000	4,912
Salaries and employee benefits	$1,855,000	4,246
Premises and equipment expense	$86,000	6,388
Additional noninterest expense	$695,000	5,352
Pre-tax net operating income	$-1,297,000	6,602
Securities gains (losses)	$17,000	2,417
Applicable income taxes	$-167,000	6,534
Income before extraordinary items	$-1,113,000	6,600
Extraordinary gains, net	$0	29
Net income	$-1,113,000	6,600
Minority interest net income	$0	90
Net income of bank and minority interests.	$-1,113,000	6,600
Net charge-offs	$1,050,000	1,227
Cash dividends	$10,000	4,314
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$-1,127,790	6,597
2013-09-30 (YTD Data)		Rank
Total interest income	$1,967,000	5,520
Total interest expense	$240,000	5,380
Net interest income	$1,727,000	5,462
Provision for loan and lease losses	$578,000	1,369
Total noninterest income	$303,000	4,800
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$192,000	3,683
Trading account gains and fees	$0	180
Additional Noninterest Income	$111,000	5,055
Total noninterest expense	$1,955,000	4,962
Salaries and employee benefits	$1,353,000	4,325
Premises and equipment expense	$76,000	6,326
Additional noninterest expense	$526,000	5,344
Pre-tax net operating income	$-503,000	6,616
Securities gains (losses)	$17,000	2,288
Applicable income taxes	$-264,000	6,766
Income before extraordinary items	$-222,000	6,531
Extraordinary gains, net	$0	25
Net income	$-222,000	6,533
Minority interest net income	$0	84
Net income of bank and minority interests.	$-222,000	6,532
Net charge-offs	$456,000	1,687
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-232,880	6,518
2013-06-30 (YTD Data)		Rank
Total interest income	$1,354,000	5,480
Total interest expense	$157,000	5,467
Net interest income	$1,197,000	5,419
Provision for loan and lease losses	$543,000	1,093
Total noninterest income	$208,000	4,780
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$127,000	3,664
Trading account gains and fees	$0	157
Additional Noninterest Income	$81,000	4,998
Total noninterest expense	$1,390,000	4,822
Salaries and employee benefits	$971,000	4,183
Premises and equipment expense	$48,000	6,402
Additional noninterest expense	$371,000	5,248
Pre-tax net operating income	$-528,000	6,695
Securities gains (losses)	$0	2,791
Applicable income taxes	$-208,000	6,819
Income before extraordinary items	$-320,000	6,656
Extraordinary gains, net	$0	22
Net income	$-320,000	6,656
Minority interest net income	$0	82
Net income of bank and minority interests.	$-320,000	6,656
Net charge-offs	$406,000	1,433
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$-320,000	6,630
2013-03-31 (YTD Data)		Rank
Total interest income	$715,000	5,439
Total interest expense	$78,000	5,571
Net interest income	$637,000	5,349
Provision for loan and lease losses	$391,000	825
Total noninterest income	$115,000	4,623
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$67,000	3,545
Trading account gains and fees	$0	148
Additional Noninterest Income	$48,000	4,755
Total noninterest expense	$637,000	5,070
Salaries and employee benefits	$424,000	4,536
Premises and equipment expense	$24,000	6,452
Additional noninterest expense	$189,000	5,261
Pre-tax net operating income	$-276,000	6,776
Securities gains (losses)	$0	1,966
Applicable income taxes	$-54,000	6,877
Income before extraordinary items	$-222,000	6,765
Extraordinary gains, net	$0	10
Net income	$-222,000	6,765
Minority interest net income	$0	76
Net income of bank and minority interests.	$-222,000	6,765
Net charge-offs	$40,000	2,581
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$-222,000	6,745
2012-12-31 (YTD Data)		Rank
Total interest income	$2,755,000	5,632
Total interest expense	$246,000	6,195
Net interest income	$2,509,000	5,452
Provision for loan and lease losses	$340,000	3,215
Total noninterest income	$430,000	4,721
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$292,000	3,535
Trading account gains and fees	$0	166
Additional Noninterest Income	$138,000	5,018
Total noninterest expense	$2,314,000	5,354
Salaries and employee benefits	$1,705,000	4,530
Premises and equipment expense	$90,000	6,607
Additional noninterest expense	$519,000	6,021
Pre-tax net operating income	$285,000	5,465
Securities gains (losses)	$217,000	1,626
Applicable income taxes	$69,000	3,733
Income before extraordinary items	$433,000	5,114
Extraordinary gains, net	$0	29
Net income	$433,000	5,112
Minority interest net income	$0	93
Net income of bank and minority interests.	$433,000	5,113
Net charge-offs	$382,000	2,997
Cash dividends	$80,000	4,067
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$246,380	5,447
2012-09-30 (YTD Data)		Rank
Total interest income	$2,053,000	5,737
Total interest expense	$175,000	6,397
Net interest income	$1,878,000	5,536
Provision for loan and lease losses	$75,000	4,640
Total noninterest income	$317,000	4,787
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$213,000	3,629
Trading account gains and fees	$0	157
Additional Noninterest Income	$104,000	5,085
Total noninterest expense	$1,654,000	5,495
Salaries and employee benefits	$1,213,000	4,675
Premises and equipment expense	$71,000	6,647
Additional noninterest expense	$370,000	6,145
Pre-tax net operating income	$466,000	4,796
Securities gains (losses)	$73,000	2,201
Applicable income taxes	$108,000	3,321
Income before extraordinary items	$431,000	4,865
Extraordinary gains, net	$0	20
Net income	$431,000	4,865
Minority interest net income	$0	86
Net income of bank and minority interests.	$431,000	4,865
Net charge-offs	$28,000	4,901
Cash dividends	$40,000	3,595
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$372,600	4,892
2012-06-30 (YTD Data)		Rank
Total interest income	$1,334,000	5,821
Total interest expense	$112,000	6,509
Net interest income	$1,222,000	5,616
Provision for loan and lease losses	$50,000	4,550
Total noninterest income	$207,000	4,821
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$135,000	3,719
Trading account gains and fees	$0	153
Additional Noninterest Income	$72,000	5,067
Total noninterest expense	$1,163,000	5,415
Salaries and employee benefits	$807,000	4,709
Premises and equipment expense	$50,000	6,643
Additional noninterest expense	$306,000	5,867
Pre-tax net operating income	$216,000	5,214
Securities gains (losses)	$73,000	1,806
Applicable income taxes	$6,000	4,385
Income before extraordinary items	$283,000	4,892
Extraordinary gains, net	$0	19
Net income	$283,000	4,895
Minority interest net income	$0	84
Net income of bank and minority interests.	$283,000	4,895
Net charge-offs	$23,000	4,558
Cash dividends	$40,000	3,356
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$211,460	5,070
2012-03-31 (YTD Data)		Rank
Total interest income	$651,000	5,931
Total interest expense	$55,000	6,608
Net interest income	$596,000	5,705
Provision for loan and lease losses	$25,000	4,328
Total noninterest income	$100,000	4,929
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$63,000	3,856
Trading account gains and fees	$0	148
Additional Noninterest Income	$37,000	5,121
Total noninterest expense	$614,000	5,312
Salaries and employee benefits	$439,000	4,530
Premises and equipment expense	$23,000	6,746
Additional noninterest expense	$152,000	5,908
Pre-tax net operating income	$57,000	5,856
Securities gains (losses)	$63,000	1,129
Applicable income taxes	$-18,000	7,018
Income before extraordinary items	$138,000	4,973
Extraordinary gains, net	$0	19
Net income	$138,000	4,977
Minority interest net income	$0	78
Net income of bank and minority interests.	$138,000	4,978
Net charge-offs	$15,000	3,852
Cash dividends	$40,000	2,491
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$75,000	5,510
2011-12-31 (YTD Data)		Rank
Total interest income	$2,526,000	6,077
Total interest expense	$176,000	6,984
Net interest income	$2,350,000	5,777
Provision for loan and lease losses	$45,000	5,911
Total noninterest income	$471,000	4,492
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$319,000	3,476
Trading account gains and fees	$0	146
Additional Noninterest Income	$152,000	4,839
Total noninterest expense	$2,343,000	5,490
Salaries and employee benefits	$1,743,000	4,550
Premises and equipment expense	$93,000	6,880
Additional noninterest expense	$507,000	6,266
Pre-tax net operating income	$433,000	4,889
Securities gains (losses)	$54,000	2,538
Applicable income taxes	$76,000	3,539
Income before extraordinary items	$411,000	4,911
Extraordinary gains, net	$0	29
Net income	$411,000	4,913
Minority interest net income	$0	96
Net income of bank and minority interests.	$411,000	4,912
Net charge-offs	$33,000	5,696
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$365,640	4,916
2011-09-30 (YTD Data)		Rank
Total interest income	$1,867,000	6,162
Total interest expense	$127,000	7,103
Net interest income	$1,740,000	5,850
Provision for loan and lease losses	$45,000	5,587
Total noninterest income	$346,000	4,569
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$239,000	3,496
Trading account gains and fees	$0	145
Additional Noninterest Income	$107,000	5,010
Total noninterest expense	$1,595,000	5,727
Salaries and employee benefits	$1,152,000	4,897
Premises and equipment expense	$62,000	6,996
Additional noninterest expense	$381,000	6,300
Pre-tax net operating income	$446,000	4,631
Securities gains (losses)	$54,000	2,286
Applicable income taxes	$110,000	3,140
Income before extraordinary items	$390,000	4,698
Extraordinary gains, net	$0	21
Net income	$390,000	4,699
Minority interest net income	$0	87
Net income of bank and minority interests.	$390,000	4,699
Net charge-offs	$23,000	5,478
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$347,880	4,734
2011-06-30 (YTD Data)		Rank
Total interest income	$1,213,000	6,259
Total interest expense	$82,000	7,199
Net interest income	$1,131,000	5,933
Provision for loan and lease losses	$25,000	5,594
Total noninterest income	$227,000	4,649
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$155,000	3,525
Trading account gains and fees	$0	153
Additional Noninterest Income	$72,000	5,041
Total noninterest expense	$1,077,000	5,763
Salaries and employee benefits	$769,000	4,929
Premises and equipment expense	$42,000	7,049
Additional noninterest expense	$266,000	6,306
Pre-tax net operating income	$256,000	4,807
Securities gains (losses)	$9,000	2,392
Applicable income taxes	$52,000	3,340
Income before extraordinary items	$213,000	4,927
Extraordinary gains, net	$0	15
Net income	$213,000	4,927
Minority interest net income	$0	89
Net income of bank and minority interests.	$213,000	4,927
Net charge-offs	$15,000	5,199
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$205,800	4,902
2011-03-31 (YTD Data)		Rank
Total interest income	$577,000	6,391
Total interest expense	$41,000	7,273
Net interest income	$536,000	6,053
Provision for loan and lease losses	$0	5,840
Total noninterest income	$110,000	4,753
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$72,000	3,641
Trading account gains and fees	$0	158
Additional Noninterest Income	$38,000	5,072
Total noninterest expense	$545,000	5,775
Salaries and employee benefits	$377,000	5,012
Premises and equipment expense	$19,000	7,150
Additional noninterest expense	$149,000	6,144
Pre-tax net operating income	$101,000	5,132
Securities gains (losses)	$9,000	1,340
Applicable income taxes	$15,000	3,590
Income before extraordinary items	$95,000	5,081
Extraordinary gains, net	$0	9
Net income	$95,000	5,079
Minority interest net income	$0	86
Net income of bank and minority interests.	$95,000	5,081
Net charge-offs	$-20,000	7,198
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$87,260	5,124
2010-12-31 (YTD Data)		Rank
Total interest income	$2,278,000	6,523
Total interest expense	$145,000	7,445
Net interest income	$2,133,000	6,113
Provision for loan and lease losses	$240,000	5,139
Total noninterest income	$517,000	4,497
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$373,000	3,198
Trading account gains and fees	$0	175
Additional Noninterest Income	$144,000	5,032
Total noninterest expense	$2,120,000	5,897
Salaries and employee benefits	$1,520,000	5,026
Premises and equipment expense	$100,000	7,051
Additional noninterest expense	$500,000	6,511
Pre-tax net operating income	$290,000	4,934
Securities gains (losses)	$123,000	1,986
Applicable income taxes	$53,000	3,602
Income before extraordinary items	$360,000	4,748
Extraordinary gains, net	$0	29
Net income	$360,000	4,749
Minority interest net income	$0	111
Net income of bank and minority interests.	$360,000	4,749
Net charge-offs	$222,000	4,656
Cash dividends	$40,000	4,007
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$252,990	4,958
2010-09-30 (YTD Data)		Rank
Total interest income	$1,664,000	6,678
Total interest expense	$105,000	7,570
Net interest income	$1,559,000	6,263
Provision for loan and lease losses	$135,000	5,367
Total noninterest income	$391,000	4,559
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$283,000	3,257
Trading account gains and fees	$0	165
Additional Noninterest Income	$108,000	5,112
Total noninterest expense	$1,543,000	5,990
Salaries and employee benefits	$1,104,000	5,142
Premises and equipment expense	$64,000	7,271
Additional noninterest expense	$375,000	6,560
Pre-tax net operating income	$272,000	4,958
Securities gains (losses)	$123,000	1,767
Applicable income taxes	$76,000	3,301
Income before extraordinary items	$319,000	4,782
Extraordinary gains, net	$0	23
Net income	$319,000	4,785
Minority interest net income	$0	110
Net income of bank and minority interests.	$319,000	4,785
Net charge-offs	$172,000	4,379
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$219,370	5,054
2010-06-30 (YTD Data)		Rank
Total interest income	$1,086,000	6,765
Total interest expense	$69,000	7,647
Net interest income	$1,017,000	6,337
Provision for loan and lease losses	$95,000	5,214
Total noninterest income	$248,000	4,641
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$170,000	3,465
Trading account gains and fees	$0	152
Additional Noninterest Income	$78,000	5,012
Total noninterest expense	$1,058,000	5,964
Salaries and employee benefits	$743,000	5,137
Premises and equipment expense	$62,000	6,975
Additional noninterest expense	$253,000	6,587
Pre-tax net operating income	$112,000	5,428
Securities gains (losses)	$123,000	1,279
Applicable income taxes	$38,000	3,460
Income before extraordinary items	$197,000	4,920
Extraordinary gains, net	$0	19
Net income	$197,000	4,921
Minority interest net income	$0	105
Net income of bank and minority interests.	$197,000	4,920
Net charge-offs	$143,000	3,879
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$93,680	5,465
2010-03-31 (YTD Data)		Rank
Total interest income	$540,000	6,854
Total interest expense	$33,000	7,770
Net interest income	$507,000	6,400
Provision for loan and lease losses	$50,000	4,831
Total noninterest income	$123,000	4,660
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$84,000	3,502
Trading account gains and fees	$0	175
Additional Noninterest Income	$39,000	5,085
Total noninterest expense	$502,000	6,158
Salaries and employee benefits	$328,000	5,560
Premises and equipment expense	$23,000	7,349
Additional noninterest expense	$151,000	6,340
Pre-tax net operating income	$78,000	5,319
Securities gains (losses)	$123,000	704
Applicable income taxes	$44,000	2,888
Income before extraordinary items	$157,000	4,313
Extraordinary gains, net	$0	16
Net income	$157,000	4,314
Minority interest net income	$0	91
Net income of bank and minority interests.	$157,000	4,312
Net charge-offs	$-6,000	7,353
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$61,060	5,430
2009-12-31 (YTD Data)		Rank
Total interest income	$2,020,000	7,043
Total interest expense	$120,000	7,881
Net interest income	$1,900,000	6,465
Provision for loan and lease losses	$185,000	5,860
Total noninterest income	$522,000	4,656
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$394,000	3,361
Trading account gains and fees	$0	211
Additional Noninterest Income	$128,000	5,326
Total noninterest expense	$2,052,000	6,168
Salaries and employee benefits	$1,432,000	5,335
Premises and equipment expense	$116,000	7,232
Additional noninterest expense	$504,000	6,771
Pre-tax net operating income	$185,000	4,848
Securities gains (losses)	$100,000	2,140
Applicable income taxes	$25,000	3,576
Income before extraordinary items	$260,000	4,606
Extraordinary gains, net	$0	34
Net income	$260,000	4,606
Minority interest net income	$0	115
Net income of bank and minority interests.	$260,000	4,607
Net charge-offs	$102,000	5,677
Cash dividends	$30,000	4,505
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$169,000	4,847
2009-09-30 (YTD Data)		Rank
Total interest income	$1,494,000	7,141
Total interest expense	$88,000	7,976
Net interest income	$1,406,000	6,522
Provision for loan and lease losses	$110,000	5,856
Total noninterest income	$376,000	4,788
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$293,000	3,382
Trading account gains and fees	$0	212
Additional Noninterest Income	$83,000	5,630
Total noninterest expense	$1,551,000	6,176
Salaries and employee benefits	$1,058,000	5,417
Premises and equipment expense	$70,000	7,497
Additional noninterest expense	$423,000	6,591
Pre-tax net operating income	$121,000	5,212
Securities gains (losses)	$100,000	1,838
Applicable income taxes	$40,000	3,445
Income before extraordinary items	$181,000	4,930
Extraordinary gains, net	$0	27
Net income	$181,000	4,929
Minority interest net income	$0	118
Net income of bank and minority interests.	$181,000	4,930
Net charge-offs	$83,000	5,234
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$99,000	5,257
2009-06-30 (YTD Data)		Rank
Total interest income	$961,000	7,261
Total interest expense	$57,000	8,073
Net interest income	$904,000	6,615
Provision for loan and lease losses	$70,000	5,703
Total noninterest income	$236,000	4,924
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$186,000	3,448
Trading account gains and fees	$0	193
Additional Noninterest Income	$50,000	5,847
Total noninterest expense	$1,073,000	6,127
Salaries and employee benefits	$768,000	5,225
Premises and equipment expense	$61,000	7,303
Additional noninterest expense	$244,000	6,890
Pre-tax net operating income	$-3,000	5,813
Securities gains (losses)	$94,000	1,540
Applicable income taxes	$11,000	3,973
Income before extraordinary items	$80,000	5,349
Extraordinary gains, net	$0	21
Net income	$80,000	5,346
Minority interest net income	$0	112
Net income of bank and minority interests.	$80,000	5,346
Net charge-offs	$75,000	4,536
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-2,720	5,853
2009-03-31 (YTD Data)		Rank
Total interest income	$463,000	7,364
Total interest expense	$27,000	8,131
Net interest income	$436,000	6,695
Provision for loan and lease losses	$20,000	5,880
Total noninterest income	$109,000	5,061
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$89,000	3,480
Trading account gains and fees	$0	171
Additional Noninterest Income	$20,000	6,167
Total noninterest expense	$511,000	6,213
Salaries and employee benefits	$362,000	5,442
Premises and equipment expense	$22,000	7,659
Additional noninterest expense	$127,000	6,685
Pre-tax net operating income	$14,000	6,083
Securities gains (losses)	$94,000	1,034
Applicable income taxes	$27,000	3,369
Income before extraordinary items	$81,000	5,206
Extraordinary gains, net	$0	15
Net income	$81,000	5,211
Minority interest net income	$0	102
Net income of bank and minority interests.	$81,000	5,210
Net charge-offs	$-19,000	7,986
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$10,500	6,122
2008-12-31 (YTD Data)		Rank
Total interest income	$1,817,000	7,467
Total interest expense	$106,000	8,187
Net interest income	$1,711,000	6,752
Provision for loan and lease losses	$25,000	6,928
Total noninterest income	$526,000	4,735
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$415,000	3,391
Trading account gains and fees	$0	154
Additional Noninterest Income	$111,000	5,776
Total noninterest expense	$2,062,000	6,161
Salaries and employee benefits	$1,529,000	5,278
Premises and equipment expense	$106,000	7,559
Additional noninterest expense	$427,000	6,935
Pre-tax net operating income	$150,000	5,882
Securities gains (losses)	$89,000	1,216
Applicable income taxes	$64,000	3,710
Income before extraordinary items	$175,000	5,586
Extraordinary gains, net	$0	39
Net income	$175,000	5,585
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,128
Cash dividends	$20,000	5,366
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$110,030	5,972
2008-09-30 (YTD Data)		Rank
Total interest income	$1,335,000	7,572
Total interest expense	$79,000	8,274
Net interest income	$1,256,000	6,850
Provision for loan and lease losses	$20,000	6,492
Total noninterest income	$397,000	4,826
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$309,000	3,426
Trading account gains and fees	$0	148
Additional Noninterest Income	$88,000	5,818
Total noninterest expense	$1,548,000	6,143
Salaries and employee benefits	$1,162,000	5,266
Premises and equipment expense	$73,000	7,691
Additional noninterest expense	$313,000	6,958
Pre-tax net operating income	$85,000	6,455
Securities gains (losses)	$89,000	1,045
Applicable income taxes	$50,000	4,098
Income before extraordinary items	$124,000	6,059
Extraordinary gains, net	$0	31
Net income	$124,000	6,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	5,452
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$60,810	6,525
2008-06-30 (YTD Data)		Rank
Total interest income	$876,000	7,662
Total interest expense	$53,000	8,341
Net interest income	$823,000	6,902
Provision for loan and lease losses	$20,000	5,946
Total noninterest income	$300,000	4,624
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$204,000	3,442
Trading account gains and fees	$0	149
Additional Noninterest Income	$96,000	5,129
Total noninterest expense	$1,014,000	6,239
Salaries and employee benefits	$735,000	5,458
Premises and equipment expense	$52,000	7,661
Additional noninterest expense	$227,000	6,827
Pre-tax net operating income	$89,000	6,466
Securities gains (losses)	$0	3,233
Applicable income taxes	$24,000	4,564
Income before extraordinary items	$65,000	6,593
Extraordinary gains, net	$0	21
Net income	$65,000	6,593
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	4,084
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$65,000	6,519
2008-03-31 (YTD Data)		Rank
Total interest income	$426,000	7,772
Total interest expense	$27,000	8,383
Net interest income	$399,000	7,014
Provision for loan and lease losses	$0	6,080
Total noninterest income	$129,000	4,937
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$97,000	3,525
Trading account gains and fees	$0	158
Additional Noninterest Income	$32,000	5,807
Total noninterest expense	$535,000	6,128
Salaries and employee benefits	$380,000	5,403
Premises and equipment expense	$32,000	7,475
Additional noninterest expense	$123,000	6,666
Pre-tax net operating income	$-7,000	7,220
Securities gains (losses)	$0	2,688
Applicable income taxes	$-6,000	7,806
Income before extraordinary items	$-1,000	7,285
Extraordinary gains, net	$0	15
Net income	$-1,000	7,286
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	2,339
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-1,000	7,193
2007-12-31 (YTD Data)		Rank
Total interest income	$1,825,000	7,681
Total interest expense	$122,000	8,376
Net interest income	$1,703,000	6,874
Provision for loan and lease losses	$90,000	5,036
Total noninterest income	$620,000	4,569
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$422,000	3,426
Trading account gains and fees	$0	178
Additional Noninterest Income	$198,000	5,077
Total noninterest expense	$2,266,000	5,870
Salaries and employee benefits	$1,679,000	4,962
Premises and equipment expense	$94,000	7,813
Additional noninterest expense	$493,000	6,612
Pre-tax net operating income	$-33,000	7,493
Securities gains (losses)	$0	2,146
Applicable income taxes	$-35,000	7,898
Income before extraordinary items	$2,000	7,489
Extraordinary gains, net	$0	39
Net income	$2,000	7,487
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$146,000	3,260
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,000	7,458
2007-09-30 (YTD Data)		Rank
Total interest income	$1,354,000	7,735
Total interest expense	$93,000	8,406
Net interest income	$1,261,000	6,935
Provision for loan and lease losses	$83,000	4,460
Total noninterest income	$457,000	4,620
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$310,000	3,459
Trading account gains and fees	$0	184
Additional Noninterest Income	$147,000	5,132
Total noninterest expense	$1,728,000	5,807
Salaries and employee benefits	$1,271,000	4,920
Premises and equipment expense	$63,000	7,902
Additional noninterest expense	$394,000	6,445
Pre-tax net operating income	$-93,000	7,795
Securities gains (losses)	$0	1,655
Applicable income taxes	$-48,000	8,151
Income before extraordinary items	$-45,000	7,772
Extraordinary gains, net	$0	33
Net income	$-45,000	7,769
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$135,000	2,453
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$-45,000	7,750
2007-06-30 (YTD Data)		Rank
Total interest income	$897,000	7,796
Total interest expense	$65,000	8,460
Net interest income	$832,000	7,002
Provision for loan and lease losses	$75,000	3,728
Total noninterest income	$308,000	4,600
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$200,000	3,521
Trading account gains and fees	$0	168
Additional Noninterest Income	$108,000	4,978
Total noninterest expense	$1,070,000	6,050
Salaries and employee benefits	$764,000	5,277
Premises and equipment expense	$45,000	7,884
Additional noninterest expense	$261,000	6,478
Pre-tax net operating income	$-5,000	7,792
Securities gains (losses)	$0	1,444
Applicable income taxes	$-17,000	8,185
Income before extraordinary items	$12,000	7,734
Extraordinary gains, net	$0	29
Net income	$12,000	7,733
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$125,000	1,823
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$12,000	7,719
2007-03-31 (YTD Data)		Rank
Total interest income	$435,000	7,873
Total interest expense	$32,000	8,515
Net interest income	$403,000	7,078
Provision for loan and lease losses	$53,000	3,025
Total noninterest income	$162,000	4,451
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$95,000	3,560
Trading account gains and fees	$0	195
Additional Noninterest Income	$67,000	4,543
Total noninterest expense	$545,000	6,043
Salaries and employee benefits	$383,000	5,308
Premises and equipment expense	$27,000	7,716
Additional noninterest expense	$135,000	6,400
Pre-tax net operating income	$-33,000	7,984
Securities gains (losses)	$0	1,187
Applicable income taxes	$-16,000	8,283
Income before extraordinary items	$-17,000	7,948
Extraordinary gains, net	$0	22
Net income	$-17,000	7,947
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	1,464
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$-17,000	7,936
2006-12-31 (YTD Data)		Rank
Total interest income	$1,888,000	7,635
Total interest expense	$146,000	8,487
Net interest income	$1,742,000	6,881
Provision for loan and lease losses	$95,000	4,832
Total noninterest income	$611,000	4,685
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$450,000	3,284
Trading account gains and fees	$0	130
Additional Noninterest Income	$161,000	5,493
Total noninterest expense	$2,223,000	5,847
Salaries and employee benefits	$1,581,000	5,019
Premises and equipment expense	$111,000	7,676
Additional noninterest expense	$531,000	6,395
Pre-tax net operating income	$35,000	7,871
Securities gains (losses)	$0	1,687
Applicable income taxes	$-9,000	8,182
Income before extraordinary items	$44,000	7,865
Extraordinary gains, net	$0	51
Net income	$44,000	7,867
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	2,703
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$44,000	7,855
2006-09-30 (YTD Data)		Rank
Total interest income	$1,428,000	7,675
Total interest expense	$113,000	8,534
Net interest income	$1,315,000	6,944
Provision for loan and lease losses	$95,000	4,177
Total noninterest income	$473,000	4,634
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$342,000	3,276
Trading account gains and fees	$0	126
Additional Noninterest Income	$131,000	5,373
Total noninterest expense	$1,648,000	5,873
Salaries and employee benefits	$1,173,000	5,047
Premises and equipment expense	$75,000	7,834
Additional noninterest expense	$400,000	6,395
Pre-tax net operating income	$45,000	7,985
Securities gains (losses)	$0	1,388
Applicable income taxes	$-5,000	8,396
Income before extraordinary items	$50,000	7,960
Extraordinary gains, net	$0	45
Net income	$50,000	7,961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	2,477
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$50,000	7,954
2006-06-30 (YTD Data)		Rank
Total interest income	$971,000	7,652
Total interest expense	$77,000	8,571
Net interest income	$894,000	6,934
Provision for loan and lease losses	$67,000	3,949
Total noninterest income	$316,000	4,598
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$224,000	3,295
Trading account gains and fees	$0	126
Additional Noninterest Income	$92,000	5,303
Total noninterest expense	$1,143,000	5,765
Salaries and employee benefits	$803,000	4,977
Premises and equipment expense	$57,000	7,687
Additional noninterest expense	$283,000	6,250
Pre-tax net operating income	$0	8,159
Securities gains (losses)	$0	1,185
Applicable income taxes	$-19,000	8,519
Income before extraordinary items	$19,000	8,093
Extraordinary gains, net	$0	39
Net income	$19,000	8,094
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	2,779
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$19,000	8,090
2006-03-31 (YTD Data)		Rank
Total interest income	$488,000	7,654
Total interest expense	$40,000	8,575
Net interest income	$448,000	6,951
Provision for loan and lease losses	$30,000	3,822
Total noninterest income	$165,000	4,423
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$111,000	3,255
Trading account gains and fees	$0	115
Additional Noninterest Income	$54,000	4,969
Total noninterest expense	$560,000	5,830
Salaries and employee benefits	$382,000	5,170
Premises and equipment expense	$28,000	7,712
Additional noninterest expense	$150,000	6,055
Pre-tax net operating income	$23,000	8,001
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$23,000	7,941
Extraordinary gains, net	$0	21
Net income	$23,000	7,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	8,062
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$23,000	7,936
2005-12-31 (YTD Data)		Rank
Total interest income	$2,154,000	7,308
Total interest expense	$232,000	8,374
Net interest income	$1,922,000	6,724
Provision for loan and lease losses	$266,000	3,055
Total noninterest income	$695,000	4,401
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$518,000	2,979
Trading account gains and fees	$0	138
Additional Noninterest Income	$177,000	5,415
Total noninterest expense	$2,240,000	5,721
Salaries and employee benefits	$1,563,000	4,917
Premises and equipment expense	$120,000	7,644
Additional noninterest expense	$557,000	6,270
Pre-tax net operating income	$111,000	7,963
Securities gains (losses)	$0	2,296
Applicable income taxes	$31,000	6,130
Income before extraordinary items	$80,000	8,033
Extraordinary gains, net	$0	46
Net income	$80,000	8,032
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$512,000	1,152
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$80,000	8,006
2005-09-30 (YTD Data)		Rank
Total interest income	$1,632,000	7,299
Total interest expense	$180,000	8,344
Net interest income	$1,452,000	6,751
Provision for loan and lease losses	$178,000	3,228
Total noninterest income	$538,000	4,342
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$390,000	2,978
Trading account gains and fees	$0	126
Additional Noninterest Income	$148,000	5,207
Total noninterest expense	$1,686,000	5,685
Salaries and employee benefits	$1,173,000	4,895
Premises and equipment expense	$79,000	7,804
Additional noninterest expense	$434,000	6,125
Pre-tax net operating income	$126,000	7,922
Securities gains (losses)	$0	2,317
Applicable income taxes	$36,000	5,989
Income before extraordinary items	$90,000	8,017
Extraordinary gains, net	$0	35
Net income	$90,000	8,017
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$327,000	1,182
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$90,000	7,981
2005-06-30 (YTD Data)		Rank
Total interest income	$1,097,000	7,254
Total interest expense	$119,000	8,348
Net interest income	$978,000	6,713
Provision for loan and lease losses	$163,000	2,500
Total noninterest income	$365,000	4,269
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$252,000	2,998
Trading account gains and fees	$0	116
Additional Noninterest Income	$113,000	4,941
Total noninterest expense	$1,099,000	5,748
Salaries and employee benefits	$744,000	5,056
Premises and equipment expense	$61,000	7,596
Additional noninterest expense	$294,000	6,066
Pre-tax net operating income	$81,000	7,953
Securities gains (losses)	$0	2,146
Applicable income taxes	$23,000	6,019
Income before extraordinary items	$58,000	8,050
Extraordinary gains, net	$0	30
Net income	$58,000	8,050
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$318,000	856
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$58,000	8,016
2005-03-31 (YTD Data)		Rank
Total interest income	$540,000	7,328
Total interest expense	$60,000	8,385
Net interest income	$480,000	6,813
Provision for loan and lease losses	$163,000	1,317
Total noninterest income	$158,000	4,574
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$124,000	2,965
Trading account gains and fees	$0	115
Additional Noninterest Income	$34,000	5,945
Total noninterest expense	$551,000	5,771
Salaries and employee benefits	$370,000	5,097
Premises and equipment expense	$30,000	7,706
Additional noninterest expense	$151,000	5,984
Pre-tax net operating income	$-76,000	8,618
Securities gains (losses)	$0	1,685
Applicable income taxes	$-28,000	8,765
Income before extraordinary items	$-48,000	8,594
Extraordinary gains, net	$0	24
Net income	$-48,000	8,594
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$351,000	458
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-48,000	8,571
2004-12-31 (YTD Data)		Rank
Total interest income	$2,574,000	6,827
Total interest expense	$317,000	8,018
Net interest income	$2,257,000	6,301
Provision for loan and lease losses	$593,000	1,691
Total noninterest income	$694,000	4,407
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$597,000	2,712
Trading account gains and fees	$0	138
Additional Noninterest Income	$97,000	6,480
Total noninterest expense	$2,293,000	5,565
Salaries and employee benefits	$1,553,000	4,825
Premises and equipment expense	$111,000	7,833
Additional noninterest expense	$629,000	5,834
Pre-tax net operating income	$65,000	8,206
Securities gains (losses)	$0	3,819
Applicable income taxes	$17,000	6,599
Income before extraordinary items	$48,000	8,292
Extraordinary gains, net	$0	34
Net income	$48,000	8,291
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$695,000	1,021
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$48,000	8,250
2004-09-30 (YTD Data)		Rank
Total interest income	$1,953,000	6,812
Total interest expense	$254,000	7,955
Net interest income	$1,699,000	6,290
Provision for loan and lease losses	$424,000	1,689
Total noninterest income	$559,000	4,258
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$462,000	2,663
Trading account gains and fees	$0	134
Additional Noninterest Income	$97,000	5,971
Total noninterest expense	$1,721,000	5,546
Salaries and employee benefits	$1,189,000	4,713
Premises and equipment expense	$66,000	8,111
Additional noninterest expense	$466,000	5,837
Pre-tax net operating income	$113,000	8,065
Securities gains (losses)	$0	3,710
Applicable income taxes	$30,000	6,288
Income before extraordinary items	$83,000	8,170
Extraordinary gains, net	$0	26
Net income	$83,000	8,172
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$685,000	750
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$83,000	8,123
2004-06-30 (YTD Data)		Rank
Total interest income	$1,304,000	6,840
Total interest expense	$188,000	7,865
Net interest income	$1,116,000	6,355
Provision for loan and lease losses	$95,000	3,576
Total noninterest income	$376,000	4,253
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$313,000	2,624
Trading account gains and fees	$0	130
Additional Noninterest Income	$63,000	6,049
Total noninterest expense	$1,205,000	5,431
Salaries and employee benefits	$818,000	4,640
Premises and equipment expense	$28,000	8,588
Additional noninterest expense	$359,000	5,431
Pre-tax net operating income	$192,000	7,246
Securities gains (losses)	$0	3,413
Applicable income taxes	$60,000	5,433
Income before extraordinary items	$132,000	7,483
Extraordinary gains, net	$0	21
Net income	$132,000	7,483
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$674,000	573
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$132,000	7,411
2004-03-31 (YTD Data)		Rank
Total interest income	$678,000	6,791
Total interest expense	$104,000	7,777
Net interest income	$574,000	6,288
Provision for loan and lease losses	$0	6,501
Total noninterest income	$187,000	4,209
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$156,000	2,594
Trading account gains and fees	$0	121
Additional Noninterest Income	$31,000	6,045
Total noninterest expense	$543,000	5,767
Salaries and employee benefits	$358,000	5,107
Premises and equipment expense	$14,000	8,600
Additional noninterest expense	$171,000	5,584
Pre-tax net operating income	$218,000	5,621
Securities gains (losses)	$0	2,934
Applicable income taxes	$60,000	4,582
Income before extraordinary items	$158,000	5,884
Extraordinary gains, net	$0	16
Net income	$158,000	5,884
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$274,000	653
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$158,000	5,761
2003-12-31 (YTD Data)		Rank
Total interest income	$2,719,000	6,825
Total interest expense	$443,000	7,965
Net interest income	$2,276,000	6,221
Provision for loan and lease losses	$585,000	1,919
Total noninterest income	$748,000	4,383
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$626,000	2,621
Trading account gains and fees	$0	160
Additional Noninterest Income	$122,000	6,193
Total noninterest expense	$2,555,000	5,145
Salaries and employee benefits	$1,830,000	4,205
Premises and equipment expense	$182,000	6,996
Additional noninterest expense	$543,000	6,294
Pre-tax net operating income	$-116,000	8,648
Securities gains (losses)	$0	4,500
Applicable income taxes	$-76,000	8,914
Income before extraordinary items	$-40,000	8,682
Extraordinary gains, net	$0	54
Net income	$-40,000	8,685
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,589
Cash dividends	$217,000	4,830
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-40,000	8,600
2003-09-30 (YTD Data)		Rank
Total interest income	$2,014,000	6,933
Total interest expense	$338,000	8,077
Net interest income	$1,676,000	6,304
Provision for loan and lease losses	$40,000	6,097
Total noninterest income	$556,000	4,443
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$464,000	2,643
Trading account gains and fees	$0	153
Additional Noninterest Income	$92,000	6,231
Total noninterest expense	$1,656,000	5,639
Salaries and employee benefits	$1,164,000	4,736
Premises and equipment expense	$131,000	7,100
Additional noninterest expense	$361,000	6,638
Pre-tax net operating income	$536,000	6,135
Securities gains (losses)	$0	4,204
Applicable income taxes	$148,000	5,112
Income before extraordinary items	$388,000	6,419
Extraordinary gains, net	$0	40
Net income	$388,000	6,420
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	4,987
Cash dividends	$181,000	4,166
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$388,000	6,249
2003-06-30 (YTD Data)		Rank
Total interest income	$1,336,000	6,989
Total interest expense	$233,000	8,124
Net interest income	$1,103,000	6,350
Provision for loan and lease losses	$30,000	5,740
Total noninterest income	$363,000	4,486
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$302,000	2,635
Trading account gains and fees	$0	150
Additional Noninterest Income	$61,000	6,230
Total noninterest expense	$1,146,000	5,500
Salaries and employee benefits	$803,000	4,591
Premises and equipment expense	$91,000	7,004
Additional noninterest expense	$252,000	6,505
Pre-tax net operating income	$290,000	6,556
Securities gains (losses)	$0	3,782
Applicable income taxes	$85,000	5,338
Income before extraordinary items	$205,000	6,926
Extraordinary gains, net	$0	30
Net income	$205,000	6,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	4,336
Cash dividends	$181,000	3,629
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$205,000	6,725
2003-03-31 (YTD Data)		Rank
Total interest income	$672,000	7,016
Total interest expense	$124,000	8,118
Net interest income	$548,000	6,363
Provision for loan and lease losses	$10,000	6,044
Total noninterest income	$178,000	4,442
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$148,000	2,606
Trading account gains and fees	$0	134
Additional Noninterest Income	$30,000	6,231
Total noninterest expense	$516,000	5,899
Salaries and employee benefits	$344,000	5,152
Premises and equipment expense	$44,000	7,119
Additional noninterest expense	$128,000	6,459
Pre-tax net operating income	$200,000	5,845
Securities gains (losses)	$0	2,891
Applicable income taxes	$58,000	4,885
Income before extraordinary items	$142,000	6,143
Extraordinary gains, net	$0	21
Net income	$142,000	6,142
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,384
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$142,000	5,961
2002-12-31 (YTD Data)		Rank
Total interest income	$2,569,000	7,291
Total interest expense	$595,000	8,108
Net interest income	$1,974,000	6,669
Provision for loan and lease losses	$155,000	4,849
Total noninterest income	$748,000	4,159
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$639,000	2,451
Trading account gains and fees	$0	153
Additional Noninterest Income	$109,000	6,277
Total noninterest expense	$2,143,000	5,618
Salaries and employee benefits	$1,501,000	4,698
Premises and equipment expense	$152,000	7,415
Additional noninterest expense	$490,000	6,564
Pre-tax net operating income	$424,000	7,062
Securities gains (losses)	$0	4,537
Applicable income taxes	$126,000	5,731
Income before extraordinary items	$298,000	7,330
Extraordinary gains, net	$0	70
Net income	$298,000	7,329
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	4,236
Cash dividends	$205,000	4,852
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$298,000	7,227
2001-12-31 (YTD Data)		Rank
Total interest income	$2,349,000	7,900
Total interest expense	$497,000	9,018
Net interest income	$1,852,000	6,703
Provision for loan and lease losses	$85,000	5,898
Total noninterest income	$661,000	4,334
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$566,000	2,560
Trading account gains and fees	$0	177
Additional Noninterest Income	$95,000	6,539
Total noninterest expense	$2,025,000	5,683
Salaries and employee benefits	$1,434,000	4,666
Premises and equipment expense	$142,000	7,658
Additional noninterest expense	$449,000	6,794
Pre-tax net operating income	$403,000	6,968
Securities gains (losses)	$0	4,612
Applicable income taxes	$128,000	5,682
Income before extraordinary items	$275,000	7,278
Extraordinary gains, net	$0	105
Net income	$275,000	7,280
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	4,051
Cash dividends	$276,000	4,525
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$275,000	7,164
2000-12-31 (YTD Data)		Rank
Total interest income	$2,471,000	7,939
Total interest expense	$550,000	9,158
Net interest income	$1,921,000	6,694
Provision for loan and lease losses	$0	8,337
Total noninterest income	$615,000	4,351
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$519,000	2,608
Trading account gains and fees	NA	NA
Additional Noninterest Income	$96,000	6,526
Total noninterest expense	$1,989,000	5,699
Salaries and employee benefits	$1,434,000	4,523
Premises and equipment expense	$131,000	7,898
Additional noninterest expense	$424,000	6,970
Pre-tax net operating income	$547,000	6,788
Securities gains (losses)	$0	1,956
Applicable income taxes	$168,000	5,734
Income before extraordinary items	$379,000	6,978
Extraordinary gains, net	$0	38
Net income	$379,000	6,976
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,200
Cash dividends	$170,000	5,352
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$379,000	6,984
1999-12-31 (YTD Data)		Rank
Total interest income	$2,282,000	8,159
Total interest expense	$522,000	9,391
Net interest income	$1,760,000	7,087
Provision for loan and lease losses	$0	8,503
Total noninterest income	$529,000	4,790
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$436,000	2,976
Trading account gains and fees	NA	NA
Additional Noninterest Income	$93,000	6,795
Total noninterest expense	$1,989,000	5,702
Salaries and employee benefits	$1,379,000	4,639
Premises and equipment expense	$186,000	7,034
Additional noninterest expense	$424,000	7,090
Pre-tax net operating income	$300,000	8,090
Securities gains (losses)	$0	3,155
Applicable income taxes	$110,000	6,786
Income before extraordinary items	$190,000	8,378
Extraordinary gains, net	$0	35
Net income	$190,000	8,378
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	5,786
Cash dividends	$197,000	5,293
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$190,000	8,343
1998-12-31 (YTD Data)		Rank
Total interest income	$2,339,000	8,270
Total interest expense	$531,000	9,622
Net interest income	$1,808,000	7,031
Provision for loan and lease losses	$0	8,652
Total noninterest income	$476,000	5,079
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$379,000	3,278
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	6,704
Total noninterest expense	$2,090,000	5,430
Salaries and employee benefits	$1,467,000	4,313
Premises and equipment expense	$197,000	6,767
Additional noninterest expense	$426,000	7,011
Pre-tax net operating income	$194,000	8,935
Securities gains (losses)	$0	4,449
Applicable income taxes	$37,000	8,566
Income before extraordinary items	$157,000	8,929
Extraordinary gains, net	$0	32
Net income	$157,000	8,927
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$91,000	3,807
Cash dividends	$318,000	4,432
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$157,000	8,860
1997-12-31 (YTD Data)		Rank
Total interest income	$2,329,000	8,602
Total interest expense	$523,000	10,040
Net interest income	$1,806,000	7,307
Provision for loan and lease losses	$0	8,829
Total noninterest income	$489,000	5,068
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$364,000	3,500
Trading account gains and fees	NA	NA
Additional Noninterest Income	$125,000	6,172
Total noninterest expense	$2,089,000	5,483
Salaries and employee benefits	$1,499,000	4,259
Premises and equipment expense	$136,000	8,101
Additional noninterest expense	$454,000	6,890
Pre-tax net operating income	$206,000	9,542
Securities gains (losses)	$0	3,944
Applicable income taxes	$55,000	9,178
Income before extraordinary items	$151,000	9,573
Extraordinary gains, net	$0	44
Net income	$151,000	9,576
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	6,139
Cash dividends	$595,000	3,139
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$151,000	9,533
1996-12-31 (YTD Data)		Rank
Total interest income	$2,438,000	8,766
Total interest expense	$520,000	10,537
Net interest income	$1,918,000	7,317
Provision for loan and lease losses	$0	9,041
Total noninterest income	$479,000	5,306
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$391,000	3,401
Trading account gains and fees	NA	NA
Additional Noninterest Income	$88,000	7,486
Total noninterest expense	$2,012,000	5,922
Salaries and employee benefits	$1,411,000	4,561
Premises and equipment expense	$136,000	8,382
Additional noninterest expense	$465,000	7,347
Pre-tax net operating income	$385,000	8,604
Securities gains (losses)	$0	4,148
Applicable income taxes	$95,000	8,825
Income before extraordinary items	$290,000	8,514
Extraordinary gains, net	$0	53
Net income	$290,000	8,511
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	10,505
Cash dividends	$658,000	2,863
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$290,000	8,450
1995-12-31 (YTD Data)		Rank
Total interest income	$2,739,000	8,579
Total interest expense	$611,000	10,631
Net interest income	$2,128,000	7,028
Provision for loan and lease losses	$29,000	7,212
Total noninterest income	$514,000	5,088
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$382,000	3,499
Trading account gains and fees	NA	NA
Additional Noninterest Income	$132,000	6,351
Total noninterest expense	$2,030,000	5,921
Salaries and employee benefits	$1,456,000	4,404
Premises and equipment expense	$133,000	8,707
Additional noninterest expense	$441,000	7,787
Pre-tax net operating income	$583,000	7,968
Securities gains (losses)	$0	3,831
Applicable income taxes	$200,000	7,408
Income before extraordinary items	$383,000	8,218
Extraordinary gains, net	$0	65
Net income	$383,000	8,218
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	6,055
Cash dividends	$208,000	5,382
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$383,000	8,198
1994-12-31 (YTD Data)		Rank
Total interest income	$3,230,000	7,720
Total interest expense	$755,000	9,810
Net interest income	$2,475,000	6,528
Provision for loan and lease losses	$58,000	5,854
Total noninterest income	$469,000	5,521
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$348,000	3,860
Trading account gains and fees	NA	NA
Additional Noninterest Income	$121,000	6,901
Total noninterest expense	$2,126,000	5,899
Salaries and employee benefits	$1,521,000	4,233
Premises and equipment expense	$140,000	8,820
Additional noninterest expense	$465,000	8,194
Pre-tax net operating income	$760,000	7,081
Securities gains (losses)	$0	3,600
Applicable income taxes	$295,000	5,938
Income before extraordinary items	$465,000	7,573
Extraordinary gains, net	$0	249
Net income	$465,000	7,579
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,486
Cash dividends	$218,000	5,258
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$465,000	7,621
1993-12-31 (YTD Data)		Rank
Total interest income	$3,022,000	8,302
Total interest expense	$770,000	10,201
Net interest income	$2,252,000	7,029
Provision for loan and lease losses	$56,000	7,224
Total noninterest income	$461,000	5,901
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$336,000	4,020
Trading account gains and fees	NA	NA
Additional Noninterest Income	$125,000	7,168
Total noninterest expense	$2,084,000	6,117
Salaries and employee benefits	$1,484,000	4,314
Premises and equipment expense	$122,000	9,724
Additional noninterest expense	$478,000	8,448
Pre-tax net operating income	$573,000	8,146
Securities gains (losses)	$0	7,477
Applicable income taxes	$181,000	7,990
Income before extraordinary items	$392,000	8,517
Extraordinary gains, net	$-28,000	12,537
Net income	$364,000	8,965
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	3,976
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$392,000	8,237
1992-12-31 (YTD Data)		Rank
Total interest income	$3,315,000	8,449
Total interest expense	$986,000	10,457
Net interest income	$2,329,000	6,942
Provision for loan and lease losses	$444,000	3,254
Total noninterest income	$435,000	6,209
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$373,000	3,712
Trading account gains and fees	NA	NA
Additional Noninterest Income	$62,000	9,701
Total noninterest expense	$1,900,000	6,658
Salaries and employee benefits	$1,300,000	4,824
Premises and equipment expense	$137,000	9,478
Additional noninterest expense	$463,000	8,834
Pre-tax net operating income	$420,000	9,061
Securities gains (losses)	$37,000	4,622
Applicable income taxes	$122,000	9,301
Income before extraordinary items	$335,000	8,879
Extraordinary gains, net	$0	1,422
Net income	$335,000	9,021
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$198,000	4,225
Cash dividends	$15,000	8,575
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$307,990	8,842

* 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.