Home > The Farmers National Bank of Scottsville > Income and Expense

The Farmers National Bank of Scottsville, Income and Expense

2019-12-31 (YTD Data)		Rank
Total interest income	$11,532,000	2,359
Total interest expense	$1,844,000	2,478
Net interest income	$9,688,000	2,292
Provision for loan and lease losses	$42,000	3,468
Total noninterest income	$1,670,000	2,177
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$839,000	1,288
Trading account gains and fees	NA	NA
Additional Noninterest Income	$831,000	2,465
Total noninterest expense	$7,888,000	2,266
Salaries and employee benefits	$3,927,000	2,478
Premises and equipment expense	$1,145,000	1,847
Additional noninterest expense	$2,816,000	2,025
Pre-tax net operating income	$3,428,000	2,263
Securities gains (losses)	$1,000	2,288
Applicable income taxes	$628,000	1,803
Income before extraordinary items	$2,801,000	2,393
Extraordinary gains, net	$0	11
Net income	$2,801,000	2,394
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,801,000	2,395
Net charge-offs	$35,000	2,837
Cash dividends	$1,287,000	2,040
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,800,180	2,354
2019-09-30 (YTD Data)		Rank
Total interest income	$8,639,000	2,384
Total interest expense	$1,366,000	2,502
Net interest income	$7,273,000	2,326
Provision for loan and lease losses	$42,000	3,240
Total noninterest income	$1,255,000	2,169
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$624,000	1,302
Trading account gains and fees	NA	NA
Additional Noninterest Income	$631,000	2,444
Total noninterest expense	$5,627,000	2,354
Salaries and employee benefits	$2,875,000	2,543
Premises and equipment expense	$865,000	1,863
Additional noninterest expense	$1,887,000	2,204
Pre-tax net operating income	$2,859,000	2,170
Securities gains (losses)	$0	2,167
Applicable income taxes	$465,000	1,856
Income before extraordinary items	$2,394,000	2,267
Extraordinary gains, net	$0	11
Net income	$2,394,000	2,267
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,394,000	2,268
Net charge-offs	$34,000	2,447
Cash dividends	$715,000	2,157
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,394,000	2,224
2019-06-30 (YTD Data)		Rank
Total interest income	$5,726,000	2,395
Total interest expense	$891,000	2,516
Net interest income	$4,835,000	2,335
Provision for loan and lease losses	$24,000	3,231
Total noninterest income	$792,000	2,212
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$405,000	1,311
Trading account gains and fees	NA	NA
Additional Noninterest Income	$387,000	2,518
Total noninterest expense	$3,846,000	2,330
Salaries and employee benefits	$1,983,000	2,474
Premises and equipment expense	$562,000	1,899
Additional noninterest expense	$1,301,000	2,162
Pre-tax net operating income	$1,757,000	2,264
Securities gains (losses)	$0	1,702
Applicable income taxes	$276,000	1,927
Income before extraordinary items	$1,481,000	2,350
Extraordinary gains, net	$0	11
Net income	$1,481,000	2,350
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,481,000	2,350
Net charge-offs	$27,000	2,212
Cash dividends	$715,000	1,748
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,481,000	2,318
2019-03-31 (YTD Data)		Rank
Total interest income	$2,873,000	2,385
Total interest expense	$433,000	2,520
Net interest income	$2,440,000	2,323
Provision for loan and lease losses	$12,000	3,026
Total noninterest income	$395,000	2,181
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$194,000	1,348
Trading account gains and fees	NA	NA
Additional Noninterest Income	$201,000	2,399
Total noninterest expense	$1,887,000	2,362
Salaries and employee benefits	$966,000	2,546
Premises and equipment expense	$274,000	1,956
Additional noninterest expense	$647,000	2,162
Pre-tax net operating income	$936,000	2,139
Securities gains (losses)	$0	1,087
Applicable income taxes	$148,000	1,850
Income before extraordinary items	$788,000	2,214
Extraordinary gains, net	$0	5
Net income	$788,000	2,213
Minority interest net income	$0	52
Net income of bank and minority interests.	$788,000	2,213
Net charge-offs	$46,000	1,257
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$788,000	2,198
2018-12-31 (YTD Data)		Rank
Total interest income	$10,954,000	2,370
Total interest expense	$1,484,000	2,354
Net interest income	$9,470,000	2,346
Provision for loan and lease losses	$36,000	3,629
Total noninterest income	$1,562,000	2,284
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$794,000	1,382
Trading account gains and fees	NA	NA
Additional Noninterest Income	$768,000	2,543
Total noninterest expense	$7,167,000	2,439
Salaries and employee benefits	$3,902,000	2,494
Premises and equipment expense	$1,013,000	2,038
Additional noninterest expense	$2,252,000	2,405
Pre-tax net operating income	$3,829,000	2,166
Securities gains (losses)	$2,000	956
Applicable income taxes	$601,000	1,831
Income before extraordinary items	$3,230,000	2,217
Extraordinary gains, net	$0	6
Net income	$3,230,000	2,215
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,230,000	2,216
Net charge-offs	$11,000	3,326
Cash dividends	$1,144,000	2,072
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,228,320	2,213
2018-09-30 (YTD Data)		Rank
Total interest income	$8,087,000	2,397
Total interest expense	$1,064,000	2,351
Net interest income	$7,023,000	2,373
Provision for loan and lease losses	$27,000	3,502
Total noninterest income	$1,181,000	2,290
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$579,000	1,417
Trading account gains and fees	NA	NA
Additional Noninterest Income	$602,000	2,515
Total noninterest expense	$5,241,000	2,486
Salaries and employee benefits	$2,850,000	2,537
Premises and equipment expense	$790,000	1,992
Additional noninterest expense	$1,601,000	2,488
Pre-tax net operating income	$2,936,000	2,152
Securities gains (losses)	$2,000	952
Applicable income taxes	$458,000	1,871
Income before extraordinary items	$2,480,000	2,186
Extraordinary gains, net	$0	5
Net income	$2,480,000	2,184
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,480,000	2,185
Net charge-offs	$-16,000	4,600
Cash dividends	$572,000	2,252
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,478,320	2,186
2018-06-30 (YTD Data)		Rank
Total interest income	$5,155,000	2,448
Total interest expense	$675,000	2,350
Net interest income	$4,480,000	2,460
Provision for loan and lease losses	$18,000	3,390
Total noninterest income	$913,000	2,117
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$355,000	1,513
Trading account gains and fees	NA	NA
Additional Noninterest Income	$558,000	2,154
Total noninterest expense	$3,563,000	2,461
Salaries and employee benefits	$1,958,000	2,497
Premises and equipment expense	$546,000	1,953
Additional noninterest expense	$1,059,000	2,510
Pre-tax net operating income	$1,812,000	2,236
Securities gains (losses)	$3,000	768
Applicable income taxes	$274,000	1,944
Income before extraordinary items	$1,541,000	2,262
Extraordinary gains, net	$0	6
Net income	$1,541,000	2,260
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,541,000	2,261
Net charge-offs	$-14,000	4,630
Cash dividends	$572,000	1,846
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,538,450	2,266
2018-03-31 (YTD Data)		Rank
Total interest income	$2,522,000	2,481
Total interest expense	$320,000	2,352
Net interest income	$2,202,000	2,487
Provision for loan and lease losses	$9,000	3,174
Total noninterest income	$438,000	2,142
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$175,000	1,541
Trading account gains and fees	NA	NA
Additional Noninterest Income	$263,000	2,167
Total noninterest expense	$1,782,000	2,483
Salaries and employee benefits	$944,000	2,596
Premises and equipment expense	$278,000	1,962
Additional noninterest expense	$560,000	2,417
Pre-tax net operating income	$849,000	2,290
Securities gains (losses)	$3,000	584
Applicable income taxes	$126,000	1,970
Income before extraordinary items	$726,000	2,324
Extraordinary gains, net	$0	7
Net income	$726,000	2,322
Minority interest net income	$0	52
Net income of bank and minority interests.	$726,000	2,324
Net charge-offs	$2,000	2,440
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$723,450	2,319
2017-12-31 (YTD Data)		Rank
Total interest income	$9,955,000	2,455
Total interest expense	$1,126,000	2,347
Net interest income	$8,829,000	2,445
Provision for loan and lease losses	$93,000	3,140
Total noninterest income	$1,852,000	2,131
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$757,000	1,485
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,095,000	2,184
Total noninterest expense	$7,323,000	2,442
Salaries and employee benefits	$3,880,000	2,518
Premises and equipment expense	$1,137,000	1,927
Additional noninterest expense	$2,306,000	2,386
Pre-tax net operating income	$3,265,000	2,347
Securities gains (losses)	$-2,000	4,854
Applicable income taxes	$1,212,000	1,710
Income before extraordinary items	$2,051,000	2,657
Extraordinary gains, net	$0	9
Net income	$2,051,000	2,656
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,051,000	2,657
Net charge-offs	$20,000	3,424
Cash dividends	$1,144,000	2,044
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,052,280	2,639
2017-09-30 (YTD Data)		Rank
Total interest income	$7,366,000	2,488
Total interest expense	$800,000	2,411
Net interest income	$6,566,000	2,483
Provision for loan and lease losses	$54,000	3,183
Total noninterest income	$1,392,000	2,151
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$577,000	1,472
Trading account gains and fees	NA	NA
Additional Noninterest Income	$815,000	2,229
Total noninterest expense	$5,371,000	2,487
Salaries and employee benefits	$2,818,000	2,593
Premises and equipment expense	$858,000	1,922
Additional noninterest expense	$1,695,000	2,439
Pre-tax net operating income	$2,533,000	2,347
Securities gains (losses)	$-2,000	5,199
Applicable income taxes	$564,000	1,974
Income before extraordinary items	$1,967,000	2,437
Extraordinary gains, net	$0	9
Net income	$1,967,000	2,436
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,967,000	2,437
Net charge-offs	$9,000	3,291
Cash dividends	$572,000	2,280
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,968,560	2,410
2017-06-30 (YTD Data)		Rank
Total interest income	$4,850,000	2,502
Total interest expense	$496,000	2,503
Net interest income	$4,354,000	2,467
Provision for loan and lease losses	$39,000	3,025
Total noninterest income	$891,000	2,204
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$363,000	1,521
Trading account gains and fees	NA	NA
Additional Noninterest Income	$528,000	2,260
Total noninterest expense	$3,661,000	2,448
Salaries and employee benefits	$1,927,000	2,555
Premises and equipment expense	$586,000	1,896
Additional noninterest expense	$1,148,000	2,421
Pre-tax net operating income	$1,545,000	2,444
Securities gains (losses)	$-2,000	5,321
Applicable income taxes	$323,000	2,080
Income before extraordinary items	$1,220,000	2,492
Extraordinary gains, net	$0	11
Net income	$1,220,000	2,491
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,220,000	2,492
Net charge-offs	$7,000	3,031
Cash dividends	$572,000	1,860
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,221,580	2,470
2017-03-31 (YTD Data)		Rank
Total interest income	$2,416,000	2,498
Total interest expense	$249,000	2,467
Net interest income	$2,167,000	2,472
Provision for loan and lease losses	$25,000	2,651
Total noninterest income	$438,000	2,200
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$184,000	1,504
Trading account gains and fees	NA	NA
Additional Noninterest Income	$254,000	2,295
Total noninterest expense	$1,790,000	2,521
Salaries and employee benefits	$924,000	2,676
Premises and equipment expense	$295,000	1,917
Additional noninterest expense	$571,000	2,405
Pre-tax net operating income	$790,000	2,309
Securities gains (losses)	$-4,000	5,562
Applicable income taxes	$165,000	2,030
Income before extraordinary items	$621,000	2,381
Extraordinary gains, net	$0	8
Net income	$621,000	2,380
Minority interest net income	$0	55
Net income of bank and minority interests.	$621,000	2,381
Net charge-offs	$2,000	2,694
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$624,160	2,351
2016-12-31 (YTD Data)		Rank
Total interest income	$9,667,000	2,468
Total interest expense	$1,099,000	2,266
Net interest income	$8,568,000	2,485
Provision for loan and lease losses	$60,000	3,507
Total noninterest income	$1,964,000	2,145
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$729,000	1,562
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,235,000	2,137
Total noninterest expense	$7,298,000	2,470
Salaries and employee benefits	$3,711,000	2,633
Premises and equipment expense	$1,278,000	1,759
Additional noninterest expense	$2,309,000	2,464
Pre-tax net operating income	$3,174,000	2,310
Securities gains (losses)	$4,000	2,928
Applicable income taxes	$651,000	2,029
Income before extraordinary items	$2,527,000	2,390
Extraordinary gains, net	$0	5
Net income	$2,527,000	2,387
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,527,000	2,389
Net charge-offs	$24,000	3,562
Cash dividends	$5,118,000	645
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,523,800	2,335
2016-09-30 (YTD Data)		Rank
Total interest income	$7,286,000	2,462
Total interest expense	$839,000	2,244
Net interest income	$6,447,000	2,480
Provision for loan and lease losses	$45,000	3,408
Total noninterest income	$1,426,000	2,185
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$546,000	1,565
Trading account gains and fees	$0	169
Additional Noninterest Income	$880,000	2,195
Total noninterest expense	$5,394,000	2,496
Salaries and employee benefits	$2,687,000	2,710
Premises and equipment expense	$970,000	1,751
Additional noninterest expense	$1,737,000	2,467
Pre-tax net operating income	$2,434,000	2,289
Securities gains (losses)	$4,000	2,856
Applicable income taxes	$496,000	2,062
Income before extraordinary items	$1,942,000	2,387
Extraordinary gains, net	$0	5
Net income	$1,942,000	2,386
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,942,000	2,387
Net charge-offs	$24,000	3,043
Cash dividends	$4,545,000	543
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,938,800	2,333
2016-06-30 (YTD Data)		Rank
Total interest income	$4,855,000	2,468
Total interest expense	$569,000	2,225
Net interest income	$4,286,000	2,494
Provision for loan and lease losses	$30,000	3,242
Total noninterest income	$896,000	2,238
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$355,000	1,582
Trading account gains and fees	$0	157
Additional Noninterest Income	$541,000	2,276
Total noninterest expense	$3,648,000	2,482
Salaries and employee benefits	$1,829,000	2,680
Premises and equipment expense	$639,000	1,755
Additional noninterest expense	$1,180,000	2,439
Pre-tax net operating income	$1,504,000	2,393
Securities gains (losses)	$5,000	2,477
Applicable income taxes	$292,000	2,156
Income before extraordinary items	$1,217,000	2,469
Extraordinary gains, net	$0	16
Net income	$1,217,000	2,468
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,217,000	2,468
Net charge-offs	$6,000	3,264
Cash dividends	$4,545,000	391
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,212,950	2,417
2016-03-31 (YTD Data)		Rank
Total interest income	$2,444,000	2,445
Total interest expense	$290,000	2,194
Net interest income	$2,154,000	2,473
Provision for loan and lease losses	$15,000	2,996
Total noninterest income	$453,000	2,201
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$178,000	1,571
Trading account gains and fees	$0	142
Additional Noninterest Income	$275,000	2,199
Total noninterest expense	$1,785,000	2,529
Salaries and employee benefits	$853,000	2,824
Premises and equipment expense	$331,000	1,725
Additional noninterest expense	$601,000	2,381
Pre-tax net operating income	$807,000	2,256
Securities gains (losses)	$0	2,077
Applicable income taxes	$163,000	2,030
Income before extraordinary items	$644,000	2,333
Extraordinary gains, net	$0	12
Net income	$644,000	2,333
Minority interest net income	$0	62
Net income of bank and minority interests.	$644,000	2,333
Net charge-offs	$7,000	2,464
Cash dividends	$4,000,000	239
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$644,000	2,284
2015-12-31 (YTD Data)		Rank
Total interest income	$9,603,000	2,445
Total interest expense	$1,262,000	2,034
Net interest income	$8,341,000	2,501
Provision for loan and lease losses	$43,000	3,715
Total noninterest income	$2,116,000	2,042
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$777,000	1,510
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,339,000	1,999
Total noninterest expense	$7,222,000	2,507
Salaries and employee benefits	$3,655,000	2,643
Premises and equipment expense	$1,288,000	1,774
Additional noninterest expense	$2,279,000	2,519
Pre-tax net operating income	$3,192,000	2,225
Securities gains (losses)	$14,000	2,423
Applicable income taxes	$655,000	1,989
Income before extraordinary items	$2,551,000	2,302
Extraordinary gains, net	$0	23
Net income	$2,551,000	2,302
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,551,000	2,303
Net charge-offs	$12,000	3,950
Cash dividends	$1,204,000	1,901
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,539,800	2,270
2015-09-30 (YTD Data)		Rank
Total interest income	$7,184,000	2,470
Total interest expense	$967,000	2,019
Net interest income	$6,217,000	2,524
Provision for loan and lease losses	$34,000	3,568
Total noninterest income	$1,603,000	2,048
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$580,000	1,531
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,023,000	1,997
Total noninterest expense	$5,302,000	2,558
Salaries and employee benefits	$2,653,000	2,726
Premises and equipment expense	$969,000	1,782
Additional noninterest expense	$1,680,000	2,559
Pre-tax net operating income	$2,484,000	2,202
Securities gains (losses)	$13,000	2,219
Applicable income taxes	$520,000	1,979
Income before extraordinary items	$1,977,000	2,284
Extraordinary gains, net	$0	21
Net income	$1,977,000	2,285
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,977,000	2,285
Net charge-offs	$-2,000	4,778
Cash dividends	$602,000	2,121
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,966,730	2,258
2015-06-30 (YTD Data)		Rank
Total interest income	$4,801,000	2,475
Total interest expense	$661,000	1,985
Net interest income	$4,140,000	2,532
Provision for loan and lease losses	$25,000	3,365
Total noninterest income	$1,007,000	2,127
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$379,000	1,539
Trading account gains and fees	$0	157
Additional Noninterest Income	$628,000	2,102
Total noninterest expense	$3,456,000	2,621
Salaries and employee benefits	$1,694,000	2,822
Premises and equipment expense	$649,000	1,784
Additional noninterest expense	$1,113,000	2,584
Pre-tax net operating income	$1,666,000	2,176
Securities gains (losses)	$13,000	1,906
Applicable income taxes	$349,000	1,977
Income before extraordinary items	$1,330,000	2,250
Extraordinary gains, net	$0	22
Net income	$1,330,000	2,252
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,330,000	2,252
Net charge-offs	$-4,000	4,963
Cash dividends	$602,000	1,715
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,319,730	2,216
2015-03-31 (YTD Data)		Rank
Total interest income	$2,360,000	2,510
Total interest expense	$330,000	2,005
Net interest income	$2,030,000	2,567
Provision for loan and lease losses	$6,000	3,402
Total noninterest income	$484,000	2,143
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$188,000	1,513
Trading account gains and fees	$0	152
Additional Noninterest Income	$296,000	2,150
Total noninterest expense	$1,783,000	2,567
Salaries and employee benefits	$880,000	2,778
Premises and equipment expense	$349,000	1,687
Additional noninterest expense	$554,000	2,590
Pre-tax net operating income	$725,000	2,368
Securities gains (losses)	$13,000	1,390
Applicable income taxes	$138,000	2,176
Income before extraordinary items	$600,000	2,391
Extraordinary gains, net	$0	13
Net income	$600,000	2,393
Minority interest net income	$0	64
Net income of bank and minority interests.	$600,000	2,393
Net charge-offs	$-4,000	5,028
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$589,470	2,356
2014-12-31 (YTD Data)		Rank
Total interest income	$9,505,000	2,518
Total interest expense	$1,436,000	1,967
Net interest income	$8,069,000	2,599
Provision for loan and lease losses	$0	4,603
Total noninterest income	$1,865,000	2,216
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$865,000	1,475
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,000,000	2,324
Total noninterest expense	$7,372,000	2,497
Salaries and employee benefits	$3,644,000	2,691
Premises and equipment expense	$1,471,000	1,594
Additional noninterest expense	$2,257,000	2,620
Pre-tax net operating income	$2,562,000	2,540
Securities gains (losses)	$-49,000	6,259
Applicable income taxes	$430,000	2,350
Income before extraordinary items	$2,083,000	2,629
Extraordinary gains, net	$0	17
Net income	$2,083,000	2,627
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,083,000	2,629
Net charge-offs	$0	4,970
Cash dividends	$1,141,000	1,886
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,123,670	2,548
2014-09-30 (YTD Data)		Rank
Total interest income	$7,161,000	2,526
Total interest expense	$1,090,000	1,971
Net interest income	$6,071,000	2,610
Provision for loan and lease losses	$0	4,401
Total noninterest income	$1,387,000	2,229
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$650,000	1,484
Trading account gains and fees	$0	174
Additional Noninterest Income	$737,000	2,371
Total noninterest expense	$5,485,000	2,521
Salaries and employee benefits	$2,680,000	2,729
Premises and equipment expense	$1,110,000	1,600
Additional noninterest expense	$1,695,000	2,621
Pre-tax net operating income	$1,973,000	2,537
Securities gains (losses)	$-49,000	6,358
Applicable income taxes	$340,000	2,345
Income before extraordinary items	$1,584,000	2,632
Extraordinary gains, net	$0	15
Net income	$1,584,000	2,632
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,584,000	2,632
Net charge-offs	$-23,000	5,825
Cash dividends	$554,000	2,102
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,624,180	2,540
2014-06-30 (YTD Data)		Rank
Total interest income	$4,609,000	2,600
Total interest expense	$735,000	1,969
Net interest income	$3,874,000	2,701
Provision for loan and lease losses	$0	4,196
Total noninterest income	$898,000	2,236
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$432,000	1,468
Trading account gains and fees	$0	172
Additional Noninterest Income	$466,000	2,403
Total noninterest expense	$3,671,000	2,516
Salaries and employee benefits	$1,754,000	2,775
Premises and equipment expense	$744,000	1,596
Additional noninterest expense	$1,173,000	2,542
Pre-tax net operating income	$1,101,000	2,796
Securities gains (losses)	$-49,000	6,482
Applicable income taxes	$150,000	2,690
Income before extraordinary items	$902,000	2,848
Extraordinary gains, net	$0	20
Net income	$902,000	2,853
Minority interest net income	$0	80
Net income of bank and minority interests.	$902,000	2,853
Net charge-offs	$-21,000	5,911
Cash dividends	$554,000	1,713
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$944,140	2,705
2014-03-31 (YTD Data)		Rank
Total interest income	$2,269,000	2,635
Total interest expense	$374,000	1,980
Net interest income	$1,895,000	2,761
Provision for loan and lease losses	$0	3,817
Total noninterest income	$421,000	2,294
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$213,000	1,470
Trading account gains and fees	$0	147
Additional Noninterest Income	$208,000	2,499
Total noninterest expense	$1,919,000	2,431
Salaries and employee benefits	$953,000	2,630
Premises and equipment expense	$382,000	1,577
Additional noninterest expense	$584,000	2,546
Pre-tax net operating income	$397,000	3,301
Securities gains (losses)	$-49,000	6,587
Applicable income taxes	$12,000	3,740
Income before extraordinary items	$336,000	3,335
Extraordinary gains, net	$0	16
Net income	$336,000	3,338
Minority interest net income	$0	66
Net income of bank and minority interests.	$336,000	3,338
Net charge-offs	$-5,000	5,444
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$383,530	3,048
2013-12-31 (YTD Data)		Rank
Total interest income	$9,668,000	2,496
Total interest expense	$1,724,000	1,945
Net interest income	$7,944,000	2,621
Provision for loan and lease losses	$30,000	4,534
Total noninterest income	$1,988,000	2,185
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$962,000	1,416
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,026,000	2,348
Total noninterest expense	$7,494,000	2,478
Salaries and employee benefits	$3,513,000	2,797
Premises and equipment expense	$1,488,000	1,587
Additional noninterest expense	$2,493,000	2,471
Pre-tax net operating income	$2,408,000	2,524
Securities gains (losses)	$-3,000	6,132
Applicable income taxes	$352,000	2,476
Income before extraordinary items	$2,053,000	2,552
Extraordinary gains, net	$0	29
Net income	$2,049,000	2,558
Minority interest net income	$4,000	86
Net income of bank and minority interests.	$2,053,000	2,555
Net charge-offs	$163,000	3,246
Cash dividends	$1,110,000	1,800
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,055,550	2,492
2013-09-30 (YTD Data)		Rank
Total interest income	$7,336,000	2,495
Total interest expense	$1,328,000	1,949
Net interest income	$6,008,000	2,614
Provision for loan and lease losses	$30,000	4,276
Total noninterest income	$1,489,000	2,225
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$710,000	1,440
Trading account gains and fees	$0	180
Additional Noninterest Income	$779,000	2,375
Total noninterest expense	$5,592,000	2,494
Salaries and employee benefits	$2,653,000	2,780
Premises and equipment expense	$1,120,000	1,584
Additional noninterest expense	$1,819,000	2,518
Pre-tax net operating income	$1,875,000	2,543
Securities gains (losses)	$5,000	2,677
Applicable income taxes	$298,000	2,439
Income before extraordinary items	$1,582,000	2,564
Extraordinary gains, net	$0	25
Net income	$1,577,000	2,571
Minority interest net income	$5,000	80
Net income of bank and minority interests.	$1,582,000	2,568
Net charge-offs	$87,000	3,392
Cash dividends	$555,000	2,002
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,577,800	2,481
2013-06-30 (YTD Data)		Rank
Total interest income	$4,961,000	2,448
Total interest expense	$901,000	1,945
Net interest income	$4,060,000	2,569
Provision for loan and lease losses	$30,000	3,938
Total noninterest income	$891,000	2,385
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$453,000	1,474
Trading account gains and fees	$0	157
Additional Noninterest Income	$438,000	2,668
Total noninterest expense	$3,681,000	2,518
Salaries and employee benefits	$1,724,000	2,861
Premises and equipment expense	$759,000	1,577
Additional noninterest expense	$1,198,000	2,544
Pre-tax net operating income	$1,240,000	2,540
Securities gains (losses)	$5,000	2,459
Applicable income taxes	$217,000	2,350
Income before extraordinary items	$1,028,000	2,593
Extraordinary gains, net	$0	22
Net income	$1,030,000	2,594
Minority interest net income	$-2,000	6,922
Net income of bank and minority interests.	$1,028,000	2,598
Net charge-offs	$61,000	3,190
Cash dividends	$555,000	1,598
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,023,850	2,496
2013-03-31 (YTD Data)		Rank
Total interest income	$2,499,000	2,453
Total interest expense	$456,000	1,974
Net interest income	$2,043,000	2,571
Provision for loan and lease losses	$30,000	3,174
Total noninterest income	$393,000	2,581
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$221,000	1,488
Trading account gains and fees	$0	148
Additional Noninterest Income	$172,000	2,987
Total noninterest expense	$1,902,000	2,478
Salaries and employee benefits	$914,000	2,728
Premises and equipment expense	$386,000	1,571
Additional noninterest expense	$602,000	2,544
Pre-tax net operating income	$504,000	2,848
Securities gains (losses)	$1,000	1,864
Applicable income taxes	$70,000	2,737
Income before extraordinary items	$435,000	2,866
Extraordinary gains, net	$0	10
Net income	$437,000	2,862
Minority interest net income	$-2,000	7,001
Net income of bank and minority interests.	$435,000	2,868
Net charge-offs	$33,000	2,726
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$434,140	2,778
2012-12-31 (YTD Data)		Rank
Total interest income	$10,550,000	2,440
Total interest expense	$2,081,000	2,070
Net interest income	$8,469,000	2,536
Provision for loan and lease losses	$311,000	3,314
Total noninterest income	$3,069,000	1,619
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$960,000	1,464
Trading account gains and fees	$0	166
Additional Noninterest Income	$2,109,000	1,476
Total noninterest expense	$8,006,000	2,357
Salaries and employee benefits	$3,553,000	2,744
Premises and equipment expense	$1,429,000	1,644
Additional noninterest expense	$3,024,000	2,145
Pre-tax net operating income	$3,221,000	1,968
Securities gains (losses)	$25,000	3,094
Applicable income taxes	$564,000	2,062
Income before extraordinary items	$2,682,000	2,051
Extraordinary gains, net	$0	29
Net income	$2,623,000	2,079
Minority interest net income	$59,000	62
Net income of bank and minority interests.	$2,682,000	2,052
Net charge-offs	$171,000	3,925
Cash dividends	$983,000	1,986
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,661,250	1,944
2012-09-30 (YTD Data)		Rank
Total interest income	$7,913,000	2,494
Total interest expense	$1,590,000	2,116
Net interest income	$6,323,000	2,581
Provision for loan and lease losses	$281,000	3,057
Total noninterest income	$2,635,000	1,449
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$714,000	1,487
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,921,000	1,302
Total noninterest expense	$6,214,000	2,296
Salaries and employee benefits	$2,707,000	2,720
Premises and equipment expense	$1,075,000	1,650
Additional noninterest expense	$2,432,000	2,020
Pre-tax net operating income	$2,463,000	2,004
Securities gains (losses)	$24,000	2,809
Applicable income taxes	$364,000	2,272
Income before extraordinary items	$2,123,000	2,004
Extraordinary gains, net	$0	20
Net income	$2,067,000	2,050
Minority interest net income	$56,000	61
Net income of bank and minority interests.	$2,123,000	2,005
Net charge-offs	$159,000	3,531
Cash dividends	$492,000	2,064
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,102,600	1,896
2012-06-30 (YTD Data)		Rank
Total interest income	$5,257,000	2,514
Total interest expense	$1,074,000	2,153
Net interest income	$4,183,000	2,608
Provision for loan and lease losses	$60,000	4,338
Total noninterest income	$2,159,000	1,263
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$452,000	1,548
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,707,000	1,039
Total noninterest expense	$4,426,000	2,178
Salaries and employee benefits	$1,821,000	2,714
Premises and equipment expense	$721,000	1,647
Additional noninterest expense	$1,884,000	1,768
Pre-tax net operating income	$1,856,000	1,785
Securities gains (losses)	$19,000	2,506
Applicable income taxes	$263,000	2,186
Income before extraordinary items	$1,612,000	1,774
Extraordinary gains, net	$0	19
Net income	$1,556,000	1,827
Minority interest net income	$56,000	56
Net income of bank and minority interests.	$1,612,000	1,774
Net charge-offs	$43,000	4,152
Cash dividends	$492,000	1,636
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,595,660	1,709
2012-03-31 (YTD Data)		Rank
Total interest income	$2,612,000	2,552
Total interest expense	$545,000	2,194
Net interest income	$2,067,000	2,642
Provision for loan and lease losses	$0	5,254
Total noninterest income	$599,000	1,903
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$220,000	1,571
Trading account gains and fees	$0	148
Additional Noninterest Income	$379,000	1,822
Total noninterest expense	$1,947,000	2,431
Salaries and employee benefits	$975,000	2,534
Premises and equipment expense	$368,000	1,620
Additional noninterest expense	$604,000	2,648
Pre-tax net operating income	$719,000	2,229
Securities gains (losses)	$19,000	1,613
Applicable income taxes	$131,000	2,174
Income before extraordinary items	$607,000	2,237
Extraordinary gains, net	$0	19
Net income	$605,000	2,245
Minority interest net income	$2,000	69
Net income of bank and minority interests.	$607,000	2,240
Net charge-offs	$17,000	3,772
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$591,420	2,168
2011-12-31 (YTD Data)		Rank
Total interest income	$10,449,000	2,662
Total interest expense	$2,519,000	2,299
Net interest income	$7,930,000	2,760
Provision for loan and lease losses	$63,000	5,693
Total noninterest income	$2,405,000	1,767
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$981,000	1,504
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,424,000	1,704
Total noninterest expense	$7,412,000	2,537
Salaries and employee benefits	$3,374,000	2,832
Premises and equipment expense	$1,524,000	1,626
Additional noninterest expense	$2,514,000	2,578
Pre-tax net operating income	$2,860,000	1,925
Securities gains (losses)	$7,000	3,433
Applicable income taxes	$557,000	1,930
Income before extraordinary items	$2,310,000	2,001
Extraordinary gains, net	$0	29
Net income	$2,300,000	2,009
Minority interest net income	$10,000	88
Net income of bank and minority interests.	$2,310,000	2,002
Net charge-offs	$-38,000	7,150
Cash dividends	$4,596,000	451
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,304,330	1,918
2011-09-30 (YTD Data)		Rank
Total interest income	$7,765,000	2,712
Total interest expense	$1,933,000	2,341
Net interest income	$5,832,000	2,814
Provision for loan and lease losses	$20,000	6,008
Total noninterest income	$1,799,000	1,747
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$730,000	1,520
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,069,000	1,690
Total noninterest expense	$5,593,000	2,521
Salaries and employee benefits	$2,557,000	2,805
Premises and equipment expense	$1,156,000	1,625
Additional noninterest expense	$1,880,000	2,597
Pre-tax net operating income	$2,018,000	2,076
Securities gains (losses)	$14,000	2,938
Applicable income taxes	$363,000	2,049
Income before extraordinary items	$1,669,000	2,127
Extraordinary gains, net	$0	21
Net income	$1,661,000	2,132
Minority interest net income	$8,000	76
Net income of bank and minority interests.	$1,669,000	2,128
Net charge-offs	$-152,000	7,357
Cash dividends	$463,000	1,891
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,657,520	2,049
2011-06-30 (YTD Data)		Rank
Total interest income	$5,115,000	2,753
Total interest expense	$1,309,000	2,392
Net interest income	$3,806,000	2,858
Provision for loan and lease losses	$20,000	5,705
Total noninterest income	$1,180,000	1,774
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$461,000	1,565
Trading account gains and fees	$0	153
Additional Noninterest Income	$719,000	1,690
Total noninterest expense	$3,745,000	2,536
Salaries and employee benefits	$1,682,000	2,855
Premises and equipment expense	$779,000	1,623
Additional noninterest expense	$1,284,000	2,579
Pre-tax net operating income	$1,221,000	2,200
Securities gains (losses)	$14,000	2,241
Applicable income taxes	$202,000	2,221
Income before extraordinary items	$1,033,000	2,214
Extraordinary gains, net	$0	15
Net income	$1,028,000	2,223
Minority interest net income	$5,000	86
Net income of bank and minority interests.	$1,033,000	2,214
Net charge-offs	$-160,000	7,422
Cash dividends	$463,000	1,487
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,021,240	2,157
2011-03-31 (YTD Data)		Rank
Total interest income	$2,587,000	2,746
Total interest expense	$658,000	2,450
Net interest income	$1,929,000	2,813
Provision for loan and lease losses	$20,000	4,994
Total noninterest income	$556,000	1,847
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$218,000	1,621
Trading account gains and fees	$0	158
Additional Noninterest Income	$338,000	1,767
Total noninterest expense	$1,968,000	2,453
Salaries and employee benefits	$913,000	2,663
Premises and equipment expense	$390,000	1,645
Additional noninterest expense	$665,000	2,495
Pre-tax net operating income	$497,000	2,565
Securities gains (losses)	$0	1,772
Applicable income taxes	$64,000	2,633
Income before extraordinary items	$433,000	2,508
Extraordinary gains, net	$0	9
Net income	$431,000	2,511
Minority interest net income	$2,000	83
Net income of bank and minority interests.	$433,000	2,508
Net charge-offs	$-85,000	7,429
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$433,000	2,459
2010-12-31 (YTD Data)		Rank
Total interest income	$10,382,000	2,859
Total interest expense	$2,941,000	2,651
Net interest income	$7,441,000	2,922
Provision for loan and lease losses	$596,000	3,875
Total noninterest income	$2,447,000	1,791
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$960,000	1,556
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,487,000	1,715
Total noninterest expense	$7,421,000	2,609
Salaries and employee benefits	$3,438,000	2,776
Premises and equipment expense	$1,441,000	1,772
Additional noninterest expense	$2,542,000	2,647
Pre-tax net operating income	$1,871,000	2,366
Securities gains (losses)	$9,000	3,335
Applicable income taxes	$164,000	2,864
Income before extraordinary items	$1,716,000	2,276
Extraordinary gains, net	$0	29
Net income	$1,706,000	2,288
Minority interest net income	$10,000	101
Net income of bank and minority interests.	$1,716,000	2,277
Net charge-offs	$478,000	3,716
Cash dividends	$926,000	1,578
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,707,810	2,199
2010-09-30 (YTD Data)		Rank
Total interest income	$7,788,000	2,919
Total interest expense	$2,254,000	2,698
Net interest income	$5,534,000	2,982
Provision for loan and lease losses	$298,000	4,342
Total noninterest income	$1,813,000	1,823
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$713,000	1,617
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,100,000	1,700
Total noninterest expense	$5,341,000	2,683
Salaries and employee benefits	$2,599,000	2,758
Premises and equipment expense	$914,000	2,097
Additional noninterest expense	$1,828,000	2,693
Pre-tax net operating income	$1,708,000	2,149
Securities gains (losses)	$9,000	3,136
Applicable income taxes	$214,000	2,488
Income before extraordinary items	$1,503,000	2,138
Extraordinary gains, net	$0	23
Net income	$1,496,000	2,143
Minority interest net income	$7,000	101
Net income of bank and minority interests.	$1,503,000	2,141
Net charge-offs	$204,000	4,212
Cash dividends	$463,000	1,860
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,495,080	2,052
2010-06-30 (YTD Data)		Rank
Total interest income	$5,218,000	2,936
Total interest expense	$1,597,000	2,658
Net interest income	$3,621,000	3,036
Provision for loan and lease losses	$202,000	4,206
Total noninterest income	$1,190,000	1,778
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$458,000	1,674
Trading account gains and fees	$0	152
Additional Noninterest Income	$732,000	1,625
Total noninterest expense	$3,461,000	2,754
Salaries and employee benefits	$1,698,000	2,810
Premises and equipment expense	$551,000	2,340
Additional noninterest expense	$1,212,000	2,697
Pre-tax net operating income	$1,148,000	2,125
Securities gains (losses)	$3,000	2,902
Applicable income taxes	$151,000	2,401
Income before extraordinary items	$1,000,000	2,121
Extraordinary gains, net	$0	19
Net income	$995,000	2,133
Minority interest net income	$5,000	97
Net income of bank and minority interests.	$1,000,000	2,123
Net charge-offs	$144,000	3,872
Cash dividends	$463,000	1,424
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$997,390	2,048
2010-03-31 (YTD Data)		Rank
Total interest income	$2,611,000	2,983
Total interest expense	$858,000	2,605
Net interest income	$1,753,000	3,126
Provision for loan and lease losses	$48,000	4,908
Total noninterest income	$586,000	1,806
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$221,000	1,733
Trading account gains and fees	$0	175
Additional Noninterest Income	$365,000	1,600
Total noninterest expense	$1,739,000	2,782
Salaries and employee benefits	$905,000	2,710
Premises and equipment expense	$232,000	2,753
Additional noninterest expense	$602,000	2,698
Pre-tax net operating income	$552,000	2,235
Securities gains (losses)	$0	2,284
Applicable income taxes	$61,000	2,625
Income before extraordinary items	$491,000	2,176
Extraordinary gains, net	$0	16
Net income	$489,000	2,182
Minority interest net income	$2,000	83
Net income of bank and minority interests.	$491,000	2,176
Net charge-offs	$54,000	3,654
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$491,000	2,084
2009-12-31 (YTD Data)		Rank
Total interest income	$11,027,000	2,961
Total interest expense	$3,775,000	2,865
Net interest income	$7,252,000	2,971
Provision for loan and lease losses	$642,000	4,160
Total noninterest income	$2,435,000	1,865
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,027,000	1,643
Trading account gains and fees	$0	211
Additional Noninterest Income	$1,408,000	1,720
Total noninterest expense	$6,772,000	2,873
Salaries and employee benefits	$3,374,000	2,880
Premises and equipment expense	$986,000	2,607
Additional noninterest expense	$2,412,000	2,826
Pre-tax net operating income	$2,273,000	1,709
Securities gains (losses)	$19,000	3,063
Applicable income taxes	$280,000	2,088
Income before extraordinary items	$2,012,000	1,672
Extraordinary gains, net	$0	34
Net income	$2,002,000	1,679
Minority interest net income	$10,000	103
Net income of bank and minority interests.	$2,012,000	1,672
Net charge-offs	$584,000	3,599
Cash dividends	$926,000	1,731
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,995,280	1,632
2009-09-30 (YTD Data)		Rank
Total interest income	$8,322,000	3,000
Total interest expense	$2,854,000	2,970
Net interest income	$5,468,000	2,952
Provision for loan and lease losses	$559,000	3,638
Total noninterest income	$1,837,000	1,896
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$765,000	1,655
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,072,000	1,737
Total noninterest expense	$5,112,000	2,850
Salaries and employee benefits	$2,533,000	2,914
Premises and equipment expense	$729,000	2,674
Additional noninterest expense	$1,850,000	2,737
Pre-tax net operating income	$1,634,000	1,902
Securities gains (losses)	$15,000	2,847
Applicable income taxes	$192,000	2,366
Income before extraordinary items	$1,457,000	1,828
Extraordinary gains, net	$0	27
Net income	$1,449,000	1,833
Minority interest net income	$8,000	102
Net income of bank and minority interests.	$1,457,000	1,828
Net charge-offs	$483,000	3,096
Cash dividends	$463,000	2,095
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,443,800	1,800
2009-06-30 (YTD Data)		Rank
Total interest income	$5,552,000	3,024
Total interest expense	$1,921,000	3,059
Net interest income	$3,631,000	2,956
Provision for loan and lease losses	$320,000	3,598
Total noninterest income	$1,217,000	1,894
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$499,000	1,663
Trading account gains and fees	$0	193
Additional Noninterest Income	$718,000	1,783
Total noninterest expense	$3,310,000	2,961
Salaries and employee benefits	$1,615,000	3,057
Premises and equipment expense	$483,000	2,723
Additional noninterest expense	$1,212,000	2,799
Pre-tax net operating income	$1,218,000	1,800
Securities gains (losses)	$6,000	2,720
Applicable income taxes	$175,000	2,110
Income before extraordinary items	$1,049,000	1,778
Extraordinary gains, net	$0	21
Net income	$1,043,000	1,782
Minority interest net income	$6,000	96
Net income of bank and minority interests.	$1,049,000	1,777
Net charge-offs	$230,000	3,269
Cash dividends	$463,000	1,704
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,043,840	1,729
2009-03-31 (YTD Data)		Rank
Total interest income	$2,788,000	3,049
Total interest expense	$976,000	3,115
Net interest income	$1,812,000	2,955
Provision for loan and lease losses	$190,000	2,929
Total noninterest income	$572,000	1,940
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$237,000	1,706
Trading account gains and fees	$0	171
Additional Noninterest Income	$335,000	1,814
Total noninterest expense	$1,554,000	3,044
Salaries and employee benefits	$757,000	3,246
Premises and equipment expense	$242,000	2,750
Additional noninterest expense	$555,000	2,745
Pre-tax net operating income	$640,000	1,955
Securities gains (losses)	$0	2,434
Applicable income taxes	$103,000	2,153
Income before extraordinary items	$537,000	1,991
Extraordinary gains, net	$0	15
Net income	$534,000	2,002
Minority interest net income	$3,000	90
Net income of bank and minority interests.	$537,000	1,992
Net charge-offs	$17,000	4,442
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$537,000	1,879
2008-12-31 (YTD Data)		Rank
Total interest income	$11,701,000	3,111
Total interest expense	$4,621,000	3,180
Net interest income	$7,080,000	3,029
Provision for loan and lease losses	$100,000	6,027
Total noninterest income	$2,558,000	1,773
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,175,000	1,518
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,383,000	1,688
Total noninterest expense	$6,635,000	2,810
Salaries and employee benefits	$3,305,000	2,984
Premises and equipment expense	$933,000	2,789
Additional noninterest expense	$2,397,000	2,434
Pre-tax net operating income	$2,903,000	1,853
Securities gains (losses)	$58,000	1,498
Applicable income taxes	$563,000	1,728
Income before extraordinary items	$2,398,000	1,672
Extraordinary gains, net	$0	39
Net income	$2,398,000	1,673
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	5,402
Cash dividends	$926,000	2,433
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,351,020	1,819
2008-09-30 (YTD Data)		Rank
Total interest income	$8,813,000	3,163
Total interest expense	$3,589,000	3,188
Net interest income	$5,224,000	3,082
Provision for loan and lease losses	$0	6,991
Total noninterest income	$1,937,000	1,819
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$882,000	1,532
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,055,000	1,735
Total noninterest expense	$4,911,000	2,818
Salaries and employee benefits	$2,483,000	3,006
Premises and equipment expense	$681,000	2,876
Additional noninterest expense	$1,747,000	2,426
Pre-tax net operating income	$2,250,000	2,098
Securities gains (losses)	$55,000	1,351
Applicable income taxes	$443,000	2,045
Income before extraordinary items	$1,862,000	1,900
Extraordinary gains, net	$0	31
Net income	$1,862,000	1,900
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,019
Cash dividends	$463,000	2,854
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,817,450	2,045
2008-06-30 (YTD Data)		Rank
Total interest income	$6,008,000	3,147
Total interest expense	$2,499,000	3,185
Net interest income	$3,509,000	3,046
Provision for loan and lease losses	$0	6,671
Total noninterest income	$1,287,000	1,834
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$577,000	1,539
Trading account gains and fees	$0	149
Additional Noninterest Income	$710,000	1,765
Total noninterest expense	$3,216,000	2,876
Salaries and employee benefits	$1,646,000	3,059
Premises and equipment expense	$459,000	2,855
Additional noninterest expense	$1,111,000	2,503
Pre-tax net operating income	$1,580,000	2,095
Securities gains (losses)	$48,000	1,469
Applicable income taxes	$323,000	2,128
Income before extraordinary items	$1,305,000	2,032
Extraordinary gains, net	$0	21
Net income	$1,305,000	2,032
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	4,443
Cash dividends	$463,000	2,396
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,266,600	2,041
2008-03-31 (YTD Data)		Rank
Total interest income	$3,120,000	3,117
Total interest expense	$1,330,000	3,188
Net interest income	$1,790,000	2,996
Provision for loan and lease losses	$0	6,080
Total noninterest income	$618,000	1,909
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$282,000	1,553
Trading account gains and fees	$0	158
Additional Noninterest Income	$336,000	1,831
Total noninterest expense	$1,539,000	2,982
Salaries and employee benefits	$766,000	3,285
Premises and equipment expense	$231,000	2,839
Additional noninterest expense	$542,000	2,533
Pre-tax net operating income	$869,000	2,018
Securities gains (losses)	$11,000	1,937
Applicable income taxes	$187,000	2,059
Income before extraordinary items	$693,000	2,049
Extraordinary gains, net	$0	15
Net income	$693,000	2,052
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,249
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$684,310	2,006
2007-12-31 (YTD Data)		Rank
Total interest income	$12,875,000	3,097
Total interest expense	$5,476,000	3,230
Net interest income	$7,399,000	2,949
Provision for loan and lease losses	$25,000	6,187
Total noninterest income	$2,594,000	1,824
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,260,000	1,424
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,334,000	1,827
Total noninterest expense	$6,385,000	2,802
Salaries and employee benefits	$3,253,000	3,021
Premises and equipment expense	$914,000	2,769
Additional noninterest expense	$2,218,000	2,427
Pre-tax net operating income	$3,583,000	2,162
Securities gains (losses)	$0	2,146
Applicable income taxes	$797,000	2,144
Income before extraordinary items	$2,786,000	2,167
Extraordinary gains, net	$0	39
Net income	$2,786,000	2,166
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	3,077
Cash dividends	$890,000	2,823
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,786,000	2,153
2007-09-30 (YTD Data)		Rank
Total interest income	$9,563,000	3,122
Total interest expense	$4,038,000	3,266
Net interest income	$5,525,000	2,963
Provision for loan and lease losses	$0	6,528
Total noninterest income	$1,953,000	1,819
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$937,000	1,411
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,016,000	1,815
Total noninterest expense	$4,740,000	2,794
Salaries and employee benefits	$2,383,000	3,054
Premises and equipment expense	$682,000	2,772
Additional noninterest expense	$1,675,000	2,367
Pre-tax net operating income	$2,738,000	2,267
Securities gains (losses)	$0	1,655
Applicable income taxes	$612,000	2,260
Income before extraordinary items	$2,126,000	2,268
Extraordinary gains, net	$0	33
Net income	$2,126,000	2,267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$129,000	2,509
Cash dividends	$445,000	3,109
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,126,000	2,250
2007-06-30 (YTD Data)		Rank
Total interest income	$6,265,000	3,173
Total interest expense	$2,637,000	3,306
Net interest income	$3,628,000	3,033
Provision for loan and lease losses	$0	6,209
Total noninterest income	$1,312,000	1,831
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$621,000	1,422
Trading account gains and fees	$0	168
Additional Noninterest Income	$691,000	1,795
Total noninterest expense	$3,226,000	2,780
Salaries and employee benefits	$1,650,000	2,991
Premises and equipment expense	$456,000	2,775
Additional noninterest expense	$1,120,000	2,363
Pre-tax net operating income	$1,714,000	2,434
Securities gains (losses)	$0	1,444
Applicable income taxes	$370,000	2,478
Income before extraordinary items	$1,344,000	2,409
Extraordinary gains, net	$0	29
Net income	$1,344,000	2,409
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$165,000	1,522
Cash dividends	$445,000	2,615
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,344,000	2,393
2007-03-31 (YTD Data)		Rank
Total interest income	$3,108,000	3,188
Total interest expense	$1,296,000	3,330
Net interest income	$1,812,000	3,027
Provision for loan and lease losses	$0	5,779
Total noninterest income	$638,000	1,855
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$292,000	1,469
Trading account gains and fees	$0	195
Additional Noninterest Income	$346,000	1,761
Total noninterest expense	$1,572,000	2,864
Salaries and employee benefits	$783,000	3,144
Premises and equipment expense	$226,000	2,822
Additional noninterest expense	$563,000	2,339
Pre-tax net operating income	$878,000	2,387
Securities gains (losses)	$0	1,187
Applicable income taxes	$194,000	2,441
Income before extraordinary items	$684,000	2,376
Extraordinary gains, net	$0	22
Net income	$684,000	2,375
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,566
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$684,000	2,359
2006-12-31 (YTD Data)		Rank
Total interest income	$12,143,000	3,055
Total interest expense	$4,540,000	3,271
Net interest income	$7,603,000	2,883
Provision for loan and lease losses	$533,000	1,807
Total noninterest income	$2,618,000	1,811
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,334,000	1,345
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,284,000	1,864
Total noninterest expense	$6,369,000	2,734
Salaries and employee benefits	$3,269,000	2,898
Premises and equipment expense	$910,000	2,691
Additional noninterest expense	$2,190,000	2,370
Pre-tax net operating income	$3,319,000	2,593
Securities gains (losses)	$11,000	1,071
Applicable income taxes	$748,000	2,574
Income before extraordinary items	$2,582,000	2,544
Extraordinary gains, net	$0	51
Net income	$2,582,000	2,545
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$542,000	1,104
Cash dividends	$801,000	2,933
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,573,420	2,529
2006-09-30 (YTD Data)		Rank
Total interest income	$8,958,000	3,079
Total interest expense	$3,295,000	3,260
Net interest income	$5,663,000	2,936
Provision for loan and lease losses	$533,000	1,327
Total noninterest income	$1,985,000	1,810
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$1,006,000	1,336
Trading account gains and fees	$0	126
Additional Noninterest Income	$979,000	1,850
Total noninterest expense	$4,704,000	2,771
Salaries and employee benefits	$2,386,000	2,963
Premises and equipment expense	$666,000	2,761
Additional noninterest expense	$1,652,000	2,346
Pre-tax net operating income	$2,411,000	2,737
Securities gains (losses)	$7,000	967
Applicable income taxes	$520,000	2,808
Income before extraordinary items	$1,898,000	2,685
Extraordinary gains, net	$0	45
Net income	$1,898,000	2,688
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$497,000	807
Cash dividends	$392,000	3,307
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,892,540	2,674
2006-06-30 (YTD Data)		Rank
Total interest income	$5,863,000	3,080
Total interest expense	$2,129,000	3,222
Net interest income	$3,734,000	2,967
Provision for loan and lease losses	$533,000	929
Total noninterest income	$1,313,000	1,825
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$645,000	1,369
Trading account gains and fees	$0	126
Additional Noninterest Income	$668,000	1,822
Total noninterest expense	$3,213,000	2,731
Salaries and employee benefits	$1,666,000	2,847
Premises and equipment expense	$437,000	2,782
Additional noninterest expense	$1,110,000	2,332
Pre-tax net operating income	$1,301,000	3,181
Securities gains (losses)	$4,000	883
Applicable income taxes	$239,000	3,382
Income before extraordinary items	$1,066,000	3,066
Extraordinary gains, net	$0	39
Net income	$1,066,000	3,068
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$593,000	501
Cash dividends	$392,000	2,758
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,062,720	3,061
2006-03-31 (YTD Data)		Rank
Total interest income	$2,894,000	3,063
Total interest expense	$1,027,000	3,196
Net interest income	$1,867,000	2,953
Provision for loan and lease losses	$104,000	1,959
Total noninterest income	$632,000	1,841
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$298,000	1,436
Trading account gains and fees	$0	115
Additional Noninterest Income	$334,000	1,785
Total noninterest expense	$1,571,000	2,779
Salaries and employee benefits	$787,000	3,018
Premises and equipment expense	$254,000	2,440
Additional noninterest expense	$530,000	2,418
Pre-tax net operating income	$824,000	2,646
Securities gains (losses)	$0	955
Applicable income taxes	$177,000	2,781
Income before extraordinary items	$647,000	2,596
Extraordinary gains, net	$0	21
Net income	$647,000	2,596
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	2,442
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$647,000	2,577
2005-12-31 (YTD Data)		Rank
Total interest income	$10,320,000	3,073
Total interest expense	$3,239,000	3,124
Net interest income	$7,081,000	3,016
Provision for loan and lease losses	$164,000	3,980
Total noninterest income	$2,619,000	1,801
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$1,324,000	1,336
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,295,000	1,849
Total noninterest expense	$6,342,000	2,610
Salaries and employee benefits	$3,217,000	2,792
Premises and equipment expense	$892,000	2,618
Additional noninterest expense	$2,233,000	2,241
Pre-tax net operating income	$3,194,000	2,632
Securities gains (losses)	$4,000	1,802
Applicable income taxes	$675,000	2,874
Income before extraordinary items	$2,523,000	2,584
Extraordinary gains, net	$0	46
Net income	$2,523,000	2,584
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	3,923
Cash dividends	$748,000	2,972
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,519,840	2,564
2005-09-30 (YTD Data)		Rank
Total interest income	$7,520,000	3,100
Total interest expense	$2,317,000	3,113
Net interest income	$5,203,000	3,053
Provision for loan and lease losses	$119,000	3,915
Total noninterest income	$1,982,000	1,787
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$995,000	1,321
Trading account gains and fees	$0	126
Additional Noninterest Income	$987,000	1,832
Total noninterest expense	$4,615,000	2,650
Salaries and employee benefits	$2,299,000	2,881
Premises and equipment expense	$675,000	2,580
Additional noninterest expense	$1,641,000	2,250
Pre-tax net operating income	$2,451,000	2,609
Securities gains (losses)	$4,000	1,810
Applicable income taxes	$509,000	2,904
Income before extraordinary items	$1,946,000	2,533
Extraordinary gains, net	$0	35
Net income	$1,946,000	2,533
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	3,633
Cash dividends	$356,000	3,283
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,942,840	2,507
2005-06-30 (YTD Data)		Rank
Total interest income	$4,862,000	3,118
Total interest expense	$1,474,000	3,087
Net interest income	$3,388,000	3,076
Provision for loan and lease losses	$76,000	3,807
Total noninterest income	$1,293,000	1,814
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$663,000	1,294
Trading account gains and fees	$0	116
Additional Noninterest Income	$630,000	1,865
Total noninterest expense	$3,082,000	2,632
Salaries and employee benefits	$1,560,000	2,821
Premises and equipment expense	$452,000	2,568
Additional noninterest expense	$1,070,000	2,280
Pre-tax net operating income	$1,523,000	2,718
Securities gains (losses)	$4,000	1,659
Applicable income taxes	$302,000	3,095
Income before extraordinary items	$1,225,000	2,600
Extraordinary gains, net	$0	30
Net income	$1,225,000	2,600
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	3,782
Cash dividends	$356,000	2,677
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,221,800	2,569
2005-03-31 (YTD Data)		Rank
Total interest income	$2,360,000	3,142
Total interest expense	$696,000	3,134
Net interest income	$1,664,000	3,108
Provision for loan and lease losses	$38,000	3,670
Total noninterest income	$634,000	1,799
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$319,000	1,287
Trading account gains and fees	$0	115
Additional Noninterest Income	$315,000	1,843
Total noninterest expense	$1,484,000	2,739
Salaries and employee benefits	$727,000	3,016
Premises and equipment expense	$233,000	2,509
Additional noninterest expense	$524,000	2,324
Pre-tax net operating income	$776,000	2,640
Securities gains (losses)	$0	1,685
Applicable income taxes	$153,000	3,060
Income before extraordinary items	$623,000	2,538
Extraordinary gains, net	$0	24
Net income	$623,000	2,539
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,060
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$623,000	2,500
2004-12-31 (YTD Data)		Rank
Total interest income	$9,030,000	3,086
Total interest expense	$2,529,000	3,037
Net interest income	$6,501,000	3,080
Provision for loan and lease losses	$152,000	4,209
Total noninterest income	$2,640,000	1,788
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$1,400,000	1,267
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,240,000	1,863
Total noninterest expense	$6,083,000	2,602
Salaries and employee benefits	$3,044,000	2,800
Premises and equipment expense	$899,000	2,520
Additional noninterest expense	$2,140,000	2,273
Pre-tax net operating income	$2,906,000	2,662
Securities gains (losses)	$3,000	3,369
Applicable income taxes	$550,000	3,176
Income before extraordinary items	$2,359,000	2,541
Extraordinary gains, net	$0	34
Net income	$2,359,000	2,544
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,000	2,704
Cash dividends	$712,000	2,929
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,356,570	2,495
2004-09-30 (YTD Data)		Rank
Total interest income	$6,686,000	3,105
Total interest expense	$1,896,000	2,975
Net interest income	$4,790,000	3,106
Provision for loan and lease losses	$114,000	4,067
Total noninterest income	$2,007,000	1,775
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$1,051,000	1,272
Trading account gains and fees	$0	134
Additional Noninterest Income	$956,000	1,828
Total noninterest expense	$4,461,000	2,636
Salaries and employee benefits	$2,215,000	2,851
Premises and equipment expense	$676,000	2,509
Additional noninterest expense	$1,570,000	2,299
Pre-tax net operating income	$2,222,000	2,633
Securities gains (losses)	$3,000	3,253
Applicable income taxes	$420,000	3,219
Income before extraordinary items	$1,805,000	2,556
Extraordinary gains, net	$0	26
Net income	$1,805,000	2,558
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	3,523
Cash dividends	$356,000	3,204
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,802,570	2,483
2004-06-30 (YTD Data)		Rank
Total interest income	$4,420,000	3,111
Total interest expense	$1,270,000	2,954
Net interest income	$3,150,000	3,147
Provision for loan and lease losses	$76,000	3,974
Total noninterest income	$1,328,000	1,765
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$689,000	1,287
Trading account gains and fees	$0	130
Additional Noninterest Income	$639,000	1,831
Total noninterest expense	$3,011,000	2,601
Salaries and employee benefits	$1,524,000	2,788
Premises and equipment expense	$444,000	2,534
Additional noninterest expense	$1,043,000	2,310
Pre-tax net operating income	$1,391,000	2,738
Securities gains (losses)	$3,000	2,926
Applicable income taxes	$252,000	3,379
Income before extraordinary items	$1,142,000	2,632
Extraordinary gains, net	$0	21
Net income	$1,142,000	2,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	2,817
Cash dividends	$356,000	2,635
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,139,540	2,567
2004-03-31 (YTD Data)		Rank
Total interest income	$2,190,000	3,139
Total interest expense	$641,000	2,966
Net interest income	$1,549,000	3,184
Provision for loan and lease losses	$38,000	3,803
Total noninterest income	$658,000	1,746
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$330,000	1,303
Trading account gains and fees	$0	121
Additional Noninterest Income	$328,000	1,772
Total noninterest expense	$1,466,000	2,688
Salaries and employee benefits	$713,000	2,981
Premises and equipment expense	$220,000	2,567
Additional noninterest expense	$533,000	2,231
Pre-tax net operating income	$703,000	2,698
Securities gains (losses)	$0	2,934
Applicable income taxes	$128,000	3,374
Income before extraordinary items	$575,000	2,607
Extraordinary gains, net	$0	16
Net income	$575,000	2,608
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	2,294
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$575,000	2,514
2003-12-31 (YTD Data)		Rank
Total interest income	$8,730,000	3,185
Total interest expense	$2,990,000	2,880
Net interest income	$5,740,000	3,295
Provision for loan and lease losses	$157,000	4,503
Total noninterest income	$2,601,000	1,893
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$1,473,000	1,182
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,128,000	2,210
Total noninterest expense	$5,863,000	2,646
Salaries and employee benefits	$2,898,000	2,848
Premises and equipment expense	$868,000	2,570
Additional noninterest expense	$2,097,000	2,304
Pre-tax net operating income	$2,321,000	3,054
Securities gains (losses)	$6,000	3,841
Applicable income taxes	$367,000	3,950
Income before extraordinary items	$1,960,000	2,908
Extraordinary gains, net	$0	54
Net income	$1,960,000	2,908
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,000	4,310
Cash dividends	$498,000	3,574
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,954,960	2,787
2003-09-30 (YTD Data)		Rank
Total interest income	$6,552,000	3,235
Total interest expense	$2,308,000	2,898
Net interest income	$4,244,000	3,357
Provision for loan and lease losses	$118,000	4,398
Total noninterest income	$1,969,000	1,933
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,097,000	1,196
Trading account gains and fees	$0	153
Additional Noninterest Income	$872,000	2,241
Total noninterest expense	$4,331,000	2,688
Salaries and employee benefits	$2,105,000	2,951
Premises and equipment expense	$649,000	2,582
Additional noninterest expense	$1,577,000	2,275
Pre-tax net operating income	$1,764,000	3,118
Securities gains (losses)	$4,000	3,690
Applicable income taxes	$280,000	4,044
Income before extraordinary items	$1,488,000	2,986
Extraordinary gains, net	$0	40
Net income	$1,488,000	2,986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	3,634
Cash dividends	$249,000	3,764
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,484,640	2,843
2003-06-30 (YTD Data)		Rank
Total interest income	$4,383,000	3,238
Total interest expense	$1,564,000	2,934
Net interest income	$2,819,000	3,356
Provision for loan and lease losses	$79,000	4,341
Total noninterest income	$1,306,000	1,918
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$715,000	1,205
Trading account gains and fees	$0	150
Additional Noninterest Income	$591,000	2,207
Total noninterest expense	$2,808,000	2,758
Salaries and employee benefits	$1,334,000	3,090
Premises and equipment expense	$428,000	2,597
Additional noninterest expense	$1,046,000	2,270
Pre-tax net operating income	$1,238,000	3,011
Securities gains (losses)	$3,000	3,367
Applicable income taxes	$211,000	3,860
Income before extraordinary items	$1,030,000	2,911
Extraordinary gains, net	$0	30
Net income	$1,030,000	2,910
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	3,822
Cash dividends	$249,000	3,186
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,027,510	2,761
2003-03-31 (YTD Data)		Rank
Total interest income	$2,168,000	3,291
Total interest expense	$783,000	2,997
Net interest income	$1,385,000	3,390
Provision for loan and lease losses	$39,000	4,168
Total noninterest income	$616,000	1,959
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$330,000	1,276
Trading account gains and fees	$0	134
Additional Noninterest Income	$286,000	2,178
Total noninterest expense	$1,383,000	2,783
Salaries and employee benefits	$673,000	3,053
Premises and equipment expense	$210,000	2,652
Additional noninterest expense	$500,000	2,340
Pre-tax net operating income	$579,000	3,157
Securities gains (losses)	$0	2,891
Applicable income taxes	$91,000	4,120
Income before extraordinary items	$488,000	3,003
Extraordinary gains, net	$0	21
Net income	$488,000	3,001
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	3,119
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$488,000	2,860
2002-12-31 (YTD Data)		Rank
Total interest income	$9,286,000	3,217
Total interest expense	$3,693,000	2,946
Net interest income	$5,593,000	3,331
Provision for loan and lease losses	$161,000	4,784
Total noninterest income	$2,164,000	1,997
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,131,000	1,429
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,033,000	2,133
Total noninterest expense	$5,586,000	2,653
Salaries and employee benefits	$2,877,000	2,742
Premises and equipment expense	$816,000	2,640
Additional noninterest expense	$1,893,000	2,439
Pre-tax net operating income	$2,010,000	3,415
Securities gains (losses)	$3,000	4,139
Applicable income taxes	$289,000	4,515
Income before extraordinary items	$1,724,000	3,141
Extraordinary gains, net	$0	70
Net income	$1,724,000	3,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,825
Cash dividends	$409,000	3,786
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,721,420	3,042
2001-12-31 (YTD Data)		Rank
Total interest income	$11,107,000	3,039
Total interest expense	$5,511,000	2,880
Net interest income	$5,596,000	3,129
Provision for loan and lease losses	$120,000	5,188
Total noninterest income	$1,777,000	2,216
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$793,000	1,916
Trading account gains and fees	$0	177
Additional Noninterest Income	$984,000	2,067
Total noninterest expense	$5,327,000	2,660
Salaries and employee benefits	$2,697,000	2,762
Premises and equipment expense	$814,000	2,583
Additional noninterest expense	$1,816,000	2,451
Pre-tax net operating income	$1,926,000	3,265
Securities gains (losses)	$3,000	4,114
Applicable income taxes	$339,000	4,044
Income before extraordinary items	$1,590,000	3,084
Extraordinary gains, net	$0	105
Net income	$1,590,000	3,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	3,597
Cash dividends	$229,000	4,809
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,587,540	2,994
2000-12-31 (YTD Data)		Rank
Total interest income	$11,477,000	3,005
Total interest expense	$5,433,000	3,079
Net interest income	$6,044,000	2,916
Provision for loan and lease losses	$150,000	4,393
Total noninterest income	$1,730,000	2,087
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$823,000	1,687
Trading account gains and fees	$0	180
Additional Noninterest Income	$907,000	1,979
Total noninterest expense	$4,908,000	2,766
Salaries and employee benefits	$2,438,000	2,898
Premises and equipment expense	$724,000	2,801
Additional noninterest expense	$1,746,000	2,455
Pre-tax net operating income	$2,716,000	2,590
Securities gains (losses)	$1,000	1,732
Applicable income taxes	$672,000	2,883
Income before extraordinary items	$2,045,000	2,513
Extraordinary gains, net	$0	38
Net income	$2,045,000	2,512
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	3,771
Cash dividends	$125,000	5,708
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,044,250	2,511
1999-12-31 (YTD Data)		Rank
Total interest income	$9,980,000	3,227
Total interest expense	$4,861,000	3,004
Net interest income	$5,119,000	3,386
Provision for loan and lease losses	$345,000	2,386
Total noninterest income	$1,704,000	2,091
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$736,000	1,803
Trading account gains and fees	$0	173
Additional Noninterest Income	$968,000	1,924
Total noninterest expense	$4,872,000	2,771
Salaries and employee benefits	$2,321,000	3,007
Premises and equipment expense	$712,000	2,833
Additional noninterest expense	$1,839,000	2,373
Pre-tax net operating income	$1,606,000	3,919
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$318,000	4,683
Income before extraordinary items	$1,289,000	3,659
Extraordinary gains, net	$0	35
Net income	$1,289,000	3,660
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	6,647
Cash dividends	$96,000	6,156
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,288,200	3,622
1998-12-31 (YTD Data)		Rank
Total interest income	$8,641,000	3,669
Total interest expense	$4,256,000	3,489
Net interest income	$4,385,000	3,822
Provision for loan and lease losses	$95,000	5,236
Total noninterest income	$1,208,000	2,671
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$441,000	2,874
Trading account gains and fees	$0	224
Additional Noninterest Income	$767,000	2,240
Total noninterest expense	$4,190,000	3,094
Salaries and employee benefits	$1,939,000	3,442
Premises and equipment expense	$626,000	3,050
Additional noninterest expense	$1,625,000	2,577
Pre-tax net operating income	$1,308,000	4,591
Securities gains (losses)	$8,000	3,124
Applicable income taxes	$263,000	5,514
Income before extraordinary items	$1,053,000	4,322
Extraordinary gains, net	$0	32
Net income	$1,053,000	4,321
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,392
Cash dividends	$132,000	5,953
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,046,600	4,252
1997-12-31 (YTD Data)		Rank
Total interest income	$8,395,000	3,801
Total interest expense	$3,827,000	3,841
Net interest income	$4,568,000	3,780
Provision for loan and lease losses	$0	8,829
Total noninterest income	$967,000	3,114
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$410,000	3,150
Trading account gains and fees	$0	239
Additional Noninterest Income	$557,000	2,629
Total noninterest expense	$3,415,000	3,685
Salaries and employee benefits	$1,737,000	3,764
Premises and equipment expense	$529,000	3,526
Additional noninterest expense	$1,149,000	3,471
Pre-tax net operating income	$2,110,000	3,361
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$621,000	3,566
Income before extraordinary items	$1,490,000	3,382
Extraordinary gains, net	$0	44
Net income	$1,490,000	3,382
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-51,000	10,548
Cash dividends	$111,000	6,345
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,489,290	3,310
1996-12-31 (YTD Data)		Rank
Total interest income	$8,201,000	3,939
Total interest expense	$3,820,000	3,876
Net interest income	$4,381,000	3,976
Provision for loan and lease losses	$-40,000	11,174
Total noninterest income	$595,000	4,594
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$387,000	3,432
Trading account gains and fees	$0	262
Additional Noninterest Income	$208,000	5,053
Total noninterest expense	$2,858,000	4,464
Salaries and employee benefits	$1,536,000	4,225
Premises and equipment expense	$456,000	4,065
Additional noninterest expense	$866,000	4,895
Pre-tax net operating income	$2,158,000	3,213
Securities gains (losses)	$44,000	1,419
Applicable income taxes	$341,000	5,418
Income before extraordinary items	$1,861,000	2,610
Extraordinary gains, net	$0	53
Net income	$1,861,000	2,612
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	7,019
Cash dividends	$134,000	6,245
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,823,600	2,626
1995-12-31 (YTD Data)		Rank
Total interest income	$7,478,000	4,281
Total interest expense	$3,821,000	3,831
Net interest income	$3,657,000	4,679
Provision for loan and lease losses	$35,000	6,883
Total noninterest income	$615,000	4,483
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$350,000	3,768
Trading account gains and fees	NA	NA
Additional Noninterest Income	$265,000	4,328
Total noninterest expense	$2,727,000	4,637
Salaries and employee benefits	$1,468,000	4,369
Premises and equipment expense	$371,000	4,819
Additional noninterest expense	$888,000	4,819
Pre-tax net operating income	$1,510,000	4,432
Securities gains (losses)	$33,000	1,557
Applicable income taxes	$221,000	7,081
Income before extraordinary items	$1,322,000	3,626
Extraordinary gains, net	$0	65
Net income	$1,322,000	3,623
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-49,000	11,454
Cash dividends	$134,000	6,299
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,293,620	3,679
1994-12-31 (YTD Data)		Rank
Total interest income	$6,538,000	4,496
Total interest expense	$2,649,000	4,408
Net interest income	$3,889,000	4,500
Provision for loan and lease losses	$0	9,146
Total noninterest income	$514,000	5,185
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$294,000	4,437
Trading account gains and fees	NA	NA
Additional Noninterest Income	$220,000	4,970
Total noninterest expense	$2,675,000	4,861
Salaries and employee benefits	$1,401,000	4,561
Premises and equipment expense	$347,000	5,109
Additional noninterest expense	$927,000	5,049
Pre-tax net operating income	$1,728,000	3,901
Securities gains (losses)	$236,000	447
Applicable income taxes	$386,000	4,887
Income before extraordinary items	$1,578,000	3,042
Extraordinary gains, net	$0	249
Net income	$1,578,000	3,052
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-39,000	11,735
Cash dividends	$622,000	2,733
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,389,200	3,419
1993-12-31 (YTD Data)		Rank
Total interest income	$6,164,000	4,836
Total interest expense	$2,644,000	4,585
Net interest income	$3,520,000	4,935
Provision for loan and lease losses	$-209,000	13,051
Total noninterest income	$481,000	5,748
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$284,000	4,638
Trading account gains and fees	NA	NA
Additional Noninterest Income	$197,000	5,722
Total noninterest expense	$2,400,000	5,445
Salaries and employee benefits	$1,240,000	5,090
Premises and equipment expense	$262,000	6,466
Additional noninterest expense	$898,000	5,376
Pre-tax net operating income	$1,810,000	3,657
Securities gains (losses)	$0	7,477
Applicable income taxes	$327,000	5,764
Income before extraordinary items	$1,483,000	3,281
Extraordinary gains, net	$0	3,149
Net income	$1,483,000	3,377
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-204,000	13,115
Cash dividends	$40,000	8,186
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,483,000	3,104
1992-12-31 (YTD Data)		Rank
Total interest income	$6,587,000	5,082
Total interest expense	$3,257,000	4,832
Net interest income	$3,330,000	5,241
Provision for loan and lease losses	$-437,000	13,886
Total noninterest income	$397,000	6,576
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$279,000	4,701
Trading account gains and fees	NA	NA
Additional Noninterest Income	$118,000	7,510
Total noninterest expense	$2,254,000	5,793
Salaries and employee benefits	$1,164,000	5,313
Premises and equipment expense	$264,000	6,542
Additional noninterest expense	$826,000	5,912
Pre-tax net operating income	$1,910,000	3,239
Securities gains (losses)	$0	8,369
Applicable income taxes	$404,000	4,753
Income before extraordinary items	$1,506,000	3,068
Extraordinary gains, net	$53,000	974
Net income	$1,559,000	2,986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-224,000	13,859
Cash dividends	$37,000	8,061
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,506,000	2,835

* 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.