Home > The First National Bank of Manchester > Income and Expense

The First National Bank of Manchester, Income and Expense

2020-06-30 (YTD Data)		Rank
Total interest income	$6,235,000	2,222
Total interest expense	$922,000	2,263
Net interest income	$5,313,000	2,157
Provision for loan and lease losses	$95,000	3,040
Total noninterest income	$493,000	2,811
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$212,000	1,827
Trading account gains and fees	NA	NA
Additional Noninterest Income	$281,000	2,971
Total noninterest expense	$3,345,000	2,511
Salaries and employee benefits	$1,960,000	2,503
Premises and equipment expense	$671,000	1,649
Additional noninterest expense	$714,000	3,108
Pre-tax net operating income	$2,366,000	1,770
Securities gains (losses)	$4,000	2,045
Applicable income taxes	$624,000	1,165
Income before extraordinary items	$1,746,000	2,023
Extraordinary gains, net	$0	4
Net income	$1,746,000	2,024
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,746,000	2,024
Net charge-offs	$158,000	1,124
Cash dividends	$1,575,000	955
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,742,840	1,983
2020-03-31 (YTD Data)		Rank
Total interest income	$3,265,000	2,122
Total interest expense	$497,000	2,297
Net interest income	$2,768,000	2,052
Provision for loan and lease losses	$35,000	2,766
Total noninterest income	$265,000	2,665
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$124,000	1,876
Trading account gains and fees	NA	NA
Additional Noninterest Income	$141,000	2,832
Total noninterest expense	$1,592,000	2,627
Salaries and employee benefits	$884,000	2,681
Premises and equipment expense	$349,000	1,616
Additional noninterest expense	$359,000	3,133
Pre-tax net operating income	$1,406,000	1,390
Securities gains (losses)	$3,000	1,525
Applicable income taxes	$367,000	933
Income before extraordinary items	$1,042,000	1,607
Extraordinary gains, net	$0	4
Net income	$1,042,000	1,606
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,042,000	1,607
Net charge-offs	$12,000	1,803
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,039,630	1,583
2019-12-31 (YTD Data)		Rank
Total interest income	$13,431,000	2,099
Total interest expense	$1,983,000	2,351
Net interest income	$11,448,000	1,997
Provision for loan and lease losses	$300,000	1,946
Total noninterest income	$1,275,000	2,506
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$558,000	1,770
Trading account gains and fees	NA	NA
Additional Noninterest Income	$717,000	2,622
Total noninterest expense	$6,702,000	2,524
Salaries and employee benefits	$3,845,000	2,522
Premises and equipment expense	$1,298,000	1,696
Additional noninterest expense	$1,559,000	3,006
Pre-tax net operating income	$5,721,000	1,591
Securities gains (losses)	$30,000	1,474
Applicable income taxes	$1,464,000	1,130
Income before extraordinary items	$4,287,000	1,788
Extraordinary gains, net	$0	11
Net income	$4,287,000	1,790
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,287,000	1,790
Net charge-offs	$177,000	1,779
Cash dividends	$2,228,000	1,480
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,263,300	1,761
2019-09-30 (YTD Data)		Rank
Total interest income	$10,057,000	2,129
Total interest expense	$1,465,000	2,389
Net interest income	$8,592,000	2,025
Provision for loan and lease losses	$255,000	1,739
Total noninterest income	$989,000	2,474
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$425,000	1,752
Trading account gains and fees	NA	NA
Additional Noninterest Income	$564,000	2,589
Total noninterest expense	$4,935,000	2,559
Salaries and employee benefits	$2,766,000	2,607
Premises and equipment expense	$990,000	1,682
Additional noninterest expense	$1,179,000	3,007
Pre-tax net operating income	$4,391,000	1,604
Securities gains (losses)	$32,000	1,250
Applicable income taxes	$1,172,000	1,113
Income before extraordinary items	$3,251,000	1,820
Extraordinary gains, net	$0	11
Net income	$3,251,000	1,821
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,251,000	1,821
Net charge-offs	$146,000	1,505
Cash dividends	$1,000,000	1,800
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,225,720	1,804
2019-06-30 (YTD Data)		Rank
Total interest income	$6,638,000	2,143
Total interest expense	$937,000	2,436
Net interest income	$5,701,000	2,032
Provision for loan and lease losses	$180,000	1,640
Total noninterest income	$624,000	2,500
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$281,000	1,745
Trading account gains and fees	NA	NA
Additional Noninterest Income	$343,000	2,664
Total noninterest expense	$3,230,000	2,608
Salaries and employee benefits	$1,821,000	2,644
Premises and equipment expense	$654,000	1,706
Additional noninterest expense	$755,000	3,127
Pre-tax net operating income	$2,915,000	1,582
Securities gains (losses)	$2,000	1,537
Applicable income taxes	$785,000	1,075
Income before extraordinary items	$2,132,000	1,819
Extraordinary gains, net	$0	11
Net income	$2,132,000	1,818
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,132,000	1,819
Net charge-offs	$112,000	1,344
Cash dividends	$1,000,000	1,417
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,130,420	1,791
2019-03-31 (YTD Data)		Rank
Total interest income	$3,254,000	2,166
Total interest expense	$436,000	2,508
Net interest income	$2,818,000	2,059
Provision for loan and lease losses	$90,000	1,533
Total noninterest income	$330,000	2,404
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$140,000	1,739
Trading account gains and fees	NA	NA
Additional Noninterest Income	$190,000	2,457
Total noninterest expense	$1,640,000	2,606
Salaries and employee benefits	$887,000	2,695
Premises and equipment expense	$354,000	1,619
Additional noninterest expense	$399,000	3,013
Pre-tax net operating income	$1,418,000	1,598
Securities gains (losses)	$-1,000	4,848
Applicable income taxes	$376,000	1,089
Income before extraordinary items	$1,041,000	1,811
Extraordinary gains, net	$0	5
Net income	$1,041,000	1,809
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,041,000	1,810
Net charge-offs	$78,000	1,005
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,041,790	1,794
2018-12-31 (YTD Data)		Rank
Total interest income	$12,255,000	2,172
Total interest expense	$1,143,000	2,744
Net interest income	$11,112,000	2,067
Provision for loan and lease losses	$319,000	1,910
Total noninterest income	$1,853,000	2,072
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$595,000	1,750
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,258,000	1,992
Total noninterest expense	$6,619,000	2,553
Salaries and employee benefits	$3,831,000	2,522
Premises and equipment expense	$1,288,000	1,708
Additional noninterest expense	$1,500,000	3,170
Pre-tax net operating income	$6,027,000	1,505
Securities gains (losses)	$0	1,125
Applicable income taxes	$1,590,000	1,013
Income before extraordinary items	$4,437,000	1,743
Extraordinary gains, net	$0	6
Net income	$4,437,000	1,742
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,437,000	1,742
Net charge-offs	$173,000	1,759
Cash dividends	$2,150,000	1,392
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,437,000	1,738
2018-09-30 (YTD Data)		Rank
Total interest income	$8,982,000	2,198
Total interest expense	$739,000	2,876
Net interest income	$8,243,000	2,085
Provision for loan and lease losses	$185,000	2,052
Total noninterest income	$1,391,000	2,086
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$436,000	1,795
Trading account gains and fees	NA	NA
Additional Noninterest Income	$955,000	1,987
Total noninterest expense	$4,892,000	2,590
Salaries and employee benefits	$2,756,000	2,597
Premises and equipment expense	$984,000	1,704
Additional noninterest expense	$1,152,000	3,125
Pre-tax net operating income	$4,557,000	1,514
Securities gains (losses)	$0	1,118
Applicable income taxes	$1,208,000	1,028
Income before extraordinary items	$3,349,000	1,748
Extraordinary gains, net	$0	5
Net income	$3,349,000	1,747
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,349,000	1,747
Net charge-offs	$98,000	1,744
Cash dividends	$800,000	1,892
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,349,000	1,737
2018-06-30 (YTD Data)		Rank
Total interest income	$5,874,000	2,216
Total interest expense	$465,000	2,895
Net interest income	$5,409,000	2,112
Provision for loan and lease losses	$115,000	2,104
Total noninterest income	$945,000	2,072
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$284,000	1,825
Trading account gains and fees	NA	NA
Additional Noninterest Income	$661,000	1,944
Total noninterest expense	$3,283,000	2,587
Salaries and employee benefits	$1,852,000	2,598
Premises and equipment expense	$671,000	1,684
Additional noninterest expense	$760,000	3,155
Pre-tax net operating income	$2,956,000	1,532
Securities gains (losses)	$0	961
Applicable income taxes	$754,000	1,064
Income before extraordinary items	$2,202,000	1,747
Extraordinary gains, net	$0	6
Net income	$2,202,000	1,746
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,202,000	1,746
Net charge-offs	$61,000	1,621
Cash dividends	$750,000	1,560
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,202,000	1,738
2018-03-31 (YTD Data)		Rank
Total interest income	$2,812,000	2,290
Total interest expense	$223,000	2,918
Net interest income	$2,589,000	2,186
Provision for loan and lease losses	$45,000	2,144
Total noninterest income	$415,000	2,205
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$142,000	1,823
Trading account gains and fees	NA	NA
Additional Noninterest Income	$273,000	2,129
Total noninterest expense	$1,618,000	2,634
Salaries and employee benefits	$900,000	2,678
Premises and equipment expense	$327,000	1,741
Additional noninterest expense	$391,000	3,104
Pre-tax net operating income	$1,341,000	1,626
Securities gains (losses)	$0	735
Applicable income taxes	$332,000	1,145
Income before extraordinary items	$1,009,000	1,839
Extraordinary gains, net	$0	7
Net income	$1,009,000	1,838
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,009,000	1,839
Net charge-offs	$61,000	1,088
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,009,000	1,828
2017-12-31 (YTD Data)		Rank
Total interest income	$10,945,000	2,273
Total interest expense	$779,000	2,963
Net interest income	$10,166,000	2,200
Provision for loan and lease losses	$365,000	1,752
Total noninterest income	$1,841,000	2,140
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$607,000	1,756
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,234,000	2,040
Total noninterest expense	$6,364,000	2,675
Salaries and employee benefits	$3,607,000	2,654
Premises and equipment expense	$1,211,000	1,832
Additional noninterest expense	$1,546,000	3,163
Pre-tax net operating income	$5,278,000	1,641
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,795,000	1,370
Income before extraordinary items	$3,483,000	1,815
Extraordinary gains, net	$0	9
Net income	$3,483,000	1,815
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,483,000	1,816
Net charge-offs	$189,000	1,876
Cash dividends	$2,300,000	1,266
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,483,000	1,791
2017-09-30 (YTD Data)		Rank
Total interest income	$8,146,000	2,292
Total interest expense	$580,000	2,966
Net interest income	$7,566,000	2,221
Provision for loan and lease losses	$325,000	1,540
Total noninterest income	$1,406,000	2,133
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$464,000	1,733
Trading account gains and fees	NA	NA
Additional Noninterest Income	$942,000	2,048
Total noninterest expense	$4,706,000	2,706
Salaries and employee benefits	$2,678,000	2,689
Premises and equipment expense	$891,000	1,879
Additional noninterest expense	$1,137,000	3,214
Pre-tax net operating income	$3,941,000	1,662
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,304,000	1,233
Income before extraordinary items	$2,637,000	1,944
Extraordinary gains, net	$0	9
Net income	$2,637,000	1,944
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,637,000	1,944
Net charge-offs	$192,000	1,430
Cash dividends	$700,000	2,066
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,637,000	1,915
2017-06-30 (YTD Data)		Rank
Total interest income	$5,331,000	2,306
Total interest expense	$383,000	2,943
Net interest income	$4,948,000	2,242
Provision for loan and lease losses	$220,000	1,478
Total noninterest income	$947,000	2,119
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$307,000	1,729
Trading account gains and fees	NA	NA
Additional Noninterest Income	$640,000	2,041
Total noninterest expense	$3,160,000	2,704
Salaries and employee benefits	$1,805,000	2,688
Premises and equipment expense	$586,000	1,896
Additional noninterest expense	$769,000	3,190
Pre-tax net operating income	$2,515,000	1,693
Securities gains (losses)	$0	1,906
Applicable income taxes	$838,000	1,240
Income before extraordinary items	$1,677,000	1,976
Extraordinary gains, net	$0	11
Net income	$1,677,000	1,976
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,677,000	1,976
Net charge-offs	$115,000	1,419
Cash dividends	$700,000	1,638
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,677,000	1,951
2017-03-31 (YTD Data)		Rank
Total interest income	$2,598,000	2,352
Total interest expense	$191,000	2,939
Net interest income	$2,407,000	2,290
Provision for loan and lease losses	$115,000	1,362
Total noninterest income	$417,000	2,281
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$151,000	1,744
Trading account gains and fees	NA	NA
Additional Noninterest Income	$266,000	2,243
Total noninterest expense	$1,544,000	2,772
Salaries and employee benefits	$895,000	2,734
Premises and equipment expense	$281,000	1,974
Additional noninterest expense	$368,000	3,280
Pre-tax net operating income	$1,165,000	1,756
Securities gains (losses)	$0	1,153
Applicable income taxes	$399,000	1,245
Income before extraordinary items	$766,000	2,047
Extraordinary gains, net	$0	8
Net income	$766,000	2,048
Minority interest net income	$0	55
Net income of bank and minority interests.	$766,000	2,048
Net charge-offs	$95,000	959
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$766,000	2,022
2016-12-31 (YTD Data)		Rank
Total interest income	$10,201,000	2,361
Total interest expense	$786,000	2,849
Net interest income	$9,415,000	2,305
Provision for loan and lease losses	$460,000	1,557
Total noninterest income	$1,967,000	2,143
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$670,000	1,675
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,297,000	2,075
Total noninterest expense	$6,252,000	2,775
Salaries and employee benefits	$3,561,000	2,717
Premises and equipment expense	$1,192,000	1,874
Additional noninterest expense	$1,499,000	3,348
Pre-tax net operating income	$4,670,000	1,713
Securities gains (losses)	$-97,000	5,803
Applicable income taxes	$1,456,000	1,294
Income before extraordinary items	$3,117,000	2,039
Extraordinary gains, net	$0	5
Net income	$3,117,000	2,037
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,117,000	2,038
Net charge-offs	$385,000	1,298
Cash dividends	$1,585,000	1,648
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,182,960	1,950
2016-09-30 (YTD Data)		Rank
Total interest income	$7,622,000	2,371
Total interest expense	$595,000	2,834
Net interest income	$7,027,000	2,307
Provision for loan and lease losses	$280,000	1,693
Total noninterest income	$1,482,000	2,134
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$502,000	1,678
Trading account gains and fees	$0	169
Additional Noninterest Income	$980,000	2,073
Total noninterest expense	$4,526,000	2,841
Salaries and employee benefits	$2,574,000	2,787
Premises and equipment expense	$853,000	1,943
Additional noninterest expense	$1,099,000	3,412
Pre-tax net operating income	$3,703,000	1,653
Securities gains (losses)	$10,000	2,582
Applicable income taxes	$1,235,000	1,236
Income before extraordinary items	$2,478,000	1,966
Extraordinary gains, net	$0	5
Net income	$2,478,000	1,966
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,478,000	1,966
Net charge-offs	$233,000	1,340
Cash dividends	$660,000	2,105
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,471,300	1,912
2016-06-30 (YTD Data)		Rank
Total interest income	$4,957,000	2,419
Total interest expense	$400,000	2,826
Net interest income	$4,557,000	2,373
Provision for loan and lease losses	$175,000	1,766
Total noninterest income	$1,007,000	2,100
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$325,000	1,696
Trading account gains and fees	$0	157
Additional Noninterest Income	$682,000	1,986
Total noninterest expense	$2,956,000	2,894
Salaries and employee benefits	$1,697,000	2,830
Premises and equipment expense	$554,000	1,981
Additional noninterest expense	$705,000	3,518
Pre-tax net operating income	$2,433,000	1,667
Securities gains (losses)	$1,000	2,737
Applicable income taxes	$803,000	1,246
Income before extraordinary items	$1,631,000	1,969
Extraordinary gains, net	$0	16
Net income	$1,631,000	1,969
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,631,000	1,969
Net charge-offs	$108,000	1,554
Cash dividends	$660,000	1,680
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,630,330	1,911
2016-03-31 (YTD Data)		Rank
Total interest income	$2,412,000	2,476
Total interest expense	$201,000	2,830
Net interest income	$2,211,000	2,433
Provision for loan and lease losses	$80,000	1,699
Total noninterest income	$475,000	2,136
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$160,000	1,709
Trading account gains and fees	$0	142
Additional Noninterest Income	$315,000	2,035
Total noninterest expense	$1,463,000	2,931
Salaries and employee benefits	$833,000	2,865
Premises and equipment expense	$284,000	1,958
Additional noninterest expense	$346,000	3,568
Pre-tax net operating income	$1,143,000	1,748
Securities gains (losses)	$1,000	1,958
Applicable income taxes	$376,000	1,282
Income before extraordinary items	$768,000	2,058
Extraordinary gains, net	$0	12
Net income	$768,000	2,058
Minority interest net income	$0	62
Net income of bank and minority interests.	$768,000	2,058
Net charge-offs	$-2,000	4,420
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$767,330	2,013
2015-12-31 (YTD Data)		Rank
Total interest income	$9,257,000	2,534
Total interest expense	$849,000	2,707
Net interest income	$8,408,000	2,479
Provision for loan and lease losses	$260,000	2,051
Total noninterest income	$2,011,000	2,098
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$681,000	1,687
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,330,000	2,012
Total noninterest expense	$5,699,000	2,965
Salaries and employee benefits	$3,293,000	2,862
Premises and equipment expense	$1,081,000	2,054
Additional noninterest expense	$1,325,000	3,690
Pre-tax net operating income	$4,460,000	1,726
Securities gains (losses)	$32,000	1,944
Applicable income taxes	$1,446,000	1,268
Income before extraordinary items	$3,046,000	2,029
Extraordinary gains, net	$0	23
Net income	$3,046,000	2,030
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,046,000	2,031
Net charge-offs	$194,000	2,018
Cash dividends	$1,575,000	1,585
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,024,240	2,000
2015-09-30 (YTD Data)		Rank
Total interest income	$6,768,000	2,606
Total interest expense	$644,000	2,718
Net interest income	$6,124,000	2,565
Provision for loan and lease losses	$185,000	2,029
Total noninterest income	$1,467,000	2,153
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$495,000	1,734
Trading account gains and fees	$0	153
Additional Noninterest Income	$972,000	2,075
Total noninterest expense	$4,077,000	3,081
Salaries and employee benefits	$2,363,000	2,960
Premises and equipment expense	$784,000	2,138
Additional noninterest expense	$930,000	3,855
Pre-tax net operating income	$3,329,000	1,759
Securities gains (losses)	$28,000	1,833
Applicable income taxes	$1,101,000	1,283
Income before extraordinary items	$2,256,000	2,063
Extraordinary gains, net	$0	21
Net income	$2,256,000	2,064
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,256,000	2,064
Net charge-offs	$143,000	1,839
Cash dividends	$650,000	2,054
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,237,240	2,028
2015-06-30 (YTD Data)		Rank
Total interest income	$4,349,000	2,685
Total interest expense	$434,000	2,716
Net interest income	$3,915,000	2,656
Provision for loan and lease losses	$120,000	2,009
Total noninterest income	$932,000	2,230
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$316,000	1,775
Trading account gains and fees	$0	157
Additional Noninterest Income	$616,000	2,139
Total noninterest expense	$2,683,000	3,120
Salaries and employee benefits	$1,571,000	2,986
Premises and equipment expense	$507,000	2,196
Additional noninterest expense	$605,000	3,937
Pre-tax net operating income	$2,044,000	1,867
Securities gains (losses)	$27,000	1,561
Applicable income taxes	$677,000	1,355
Income before extraordinary items	$1,394,000	2,177
Extraordinary gains, net	$0	22
Net income	$1,394,000	2,180
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,394,000	2,180
Net charge-offs	$124,000	1,532
Cash dividends	$650,000	1,647
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,375,910	2,145
2015-03-31 (YTD Data)		Rank
Total interest income	$2,076,000	2,783
Total interest expense	$220,000	2,709
Net interest income	$1,856,000	2,759
Provision for loan and lease losses	$60,000	1,893
Total noninterest income	$431,000	2,304
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$150,000	1,824
Trading account gains and fees	$0	152
Additional Noninterest Income	$281,000	2,207
Total noninterest expense	$1,340,000	3,135
Salaries and employee benefits	$770,000	3,051
Premises and equipment expense	$262,000	2,165
Additional noninterest expense	$308,000	3,904
Pre-tax net operating income	$887,000	2,043
Securities gains (losses)	$27,000	1,105
Applicable income taxes	$296,000	1,455
Income before extraordinary items	$618,000	2,339
Extraordinary gains, net	$0	13
Net income	$618,000	2,340
Minority interest net income	$0	64
Net income of bank and minority interests.	$618,000	2,340
Net charge-offs	$85,000	1,213
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$599,640	2,325
2014-12-31 (YTD Data)		Rank
Total interest income	$8,020,000	2,883
Total interest expense	$981,000	2,606
Net interest income	$7,039,000	2,875
Provision for loan and lease losses	$250,000	2,195
Total noninterest income	$1,729,000	2,316
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$696,000	1,756
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,033,000	2,293
Total noninterest expense	$4,956,000	3,333
Salaries and employee benefits	$2,759,000	3,259
Premises and equipment expense	$1,049,000	2,153
Additional noninterest expense	$1,148,000	4,137
Pre-tax net operating income	$3,562,000	1,999
Securities gains (losses)	$1,000	3,149
Applicable income taxes	$1,134,000	1,429
Income before extraordinary items	$2,429,000	2,354
Extraordinary gains, net	$0	17
Net income	$2,429,000	2,354
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,429,000	2,354
Net charge-offs	$192,000	2,509
Cash dividends	$1,251,000	1,752
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,428,320	2,313
2014-09-30 (YTD Data)		Rank
Total interest income	$5,955,000	2,930
Total interest expense	$732,000	2,651
Net interest income	$5,223,000	2,933
Provision for loan and lease losses	$190,000	2,137
Total noninterest income	$1,279,000	2,342
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$529,000	1,746
Trading account gains and fees	$0	174
Additional Noninterest Income	$750,000	2,345
Total noninterest expense	$3,687,000	3,375
Salaries and employee benefits	$2,058,000	3,301
Premises and equipment expense	$782,000	2,186
Additional noninterest expense	$847,000	4,206
Pre-tax net operating income	$2,625,000	2,066
Securities gains (losses)	$1,000	2,871
Applicable income taxes	$878,000	1,426
Income before extraordinary items	$1,748,000	2,449
Extraordinary gains, net	$0	15
Net income	$1,748,000	2,450
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,748,000	2,449
Net charge-offs	$193,000	2,035
Cash dividends	$600,000	2,003
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,747,330	2,408
2014-06-30 (YTD Data)		Rank
Total interest income	$3,934,000	2,954
Total interest expense	$492,000	2,658
Net interest income	$3,442,000	2,959
Provision for loan and lease losses	$130,000	2,050
Total noninterest income	$780,000	2,442
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$351,000	1,742
Trading account gains and fees	$0	172
Additional Noninterest Income	$429,000	2,523
Total noninterest expense	$2,439,000	3,416
Salaries and employee benefits	$1,368,000	3,325
Premises and equipment expense	$515,000	2,220
Additional noninterest expense	$556,000	4,267
Pre-tax net operating income	$1,653,000	2,111
Securities gains (losses)	$1,000	2,460
Applicable income taxes	$574,000	1,406
Income before extraordinary items	$1,080,000	2,499
Extraordinary gains, net	$0	20
Net income	$1,080,000	2,502
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,080,000	2,503
Net charge-offs	$199,000	1,589
Cash dividends	$600,000	1,616
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,079,350	2,466
2014-03-31 (YTD Data)		Rank
Total interest income	$1,936,000	2,991
Total interest expense	$250,000	2,679
Net interest income	$1,686,000	3,006
Provision for loan and lease losses	$60,000	2,013
Total noninterest income	$357,000	2,549
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$171,000	1,759
Trading account gains and fees	$0	147
Additional Noninterest Income	$186,000	2,660
Total noninterest expense	$1,202,000	3,473
Salaries and employee benefits	$673,000	3,381
Premises and equipment expense	$256,000	2,264
Additional noninterest expense	$273,000	4,325
Pre-tax net operating income	$781,000	2,128
Securities gains (losses)	$0	1,715
Applicable income taxes	$271,000	1,434
Income before extraordinary items	$510,000	2,524
Extraordinary gains, net	$0	16
Net income	$510,000	2,527
Minority interest net income	$0	66
Net income of bank and minority interests.	$510,000	2,527
Net charge-offs	$168,000	1,049
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$510,000	2,476
2013-12-31 (YTD Data)		Rank
Total interest income	$7,813,000	2,993
Total interest expense	$1,163,000	2,626
Net interest income	$6,650,000	3,014
Provision for loan and lease losses	$224,000	2,843
Total noninterest income	$1,753,000	2,344
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$754,000	1,732
Trading account gains and fees	$0	184
Additional Noninterest Income	$999,000	2,382
Total noninterest expense	$4,575,000	3,613
Salaries and employee benefits	$2,686,000	3,357
Premises and equipment expense	$953,000	2,334
Additional noninterest expense	$936,000	4,713
Pre-tax net operating income	$3,604,000	1,861
Securities gains (losses)	$0	3,182
Applicable income taxes	$1,130,000	1,355
Income before extraordinary items	$2,474,000	2,207
Extraordinary gains, net	$0	29
Net income	$2,474,000	2,211
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,474,000	2,210
Net charge-offs	$101,000	3,728
Cash dividends	$1,275,000	1,630
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,474,000	2,156
2013-09-30 (YTD Data)		Rank
Total interest income	$5,869,000	3,013
Total interest expense	$898,000	2,643
Net interest income	$4,971,000	3,046
Provision for loan and lease losses	$162,000	2,851
Total noninterest income	$1,284,000	2,427
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$548,000	1,776
Trading account gains and fees	$0	180
Additional Noninterest Income	$736,000	2,449
Total noninterest expense	$3,473,000	3,605
Salaries and employee benefits	$1,967,000	3,435
Premises and equipment expense	$724,000	2,335
Additional noninterest expense	$782,000	4,524
Pre-tax net operating income	$2,620,000	1,969
Securities gains (losses)	$0	3,040
Applicable income taxes	$839,000	1,406
Income before extraordinary items	$1,781,000	2,328
Extraordinary gains, net	$0	25
Net income	$1,781,000	2,333
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,781,000	2,333
Net charge-offs	$78,000	3,492
Cash dividends	$375,000	2,394
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,781,000	2,267
2013-06-30 (YTD Data)		Rank
Total interest income	$3,891,000	3,029
Total interest expense	$616,000	2,649
Net interest income	$3,275,000	3,084
Provision for loan and lease losses	$102,000	2,912
Total noninterest income	$886,000	2,392
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$351,000	1,807
Trading account gains and fees	$0	157
Additional Noninterest Income	$535,000	2,381
Total noninterest expense	$2,310,000	3,626
Salaries and employee benefits	$1,322,000	3,437
Premises and equipment expense	$476,000	2,373
Additional noninterest expense	$512,000	4,582
Pre-tax net operating income	$1,749,000	1,937
Securities gains (losses)	$0	2,791
Applicable income taxes	$540,000	1,434
Income before extraordinary items	$1,209,000	2,285
Extraordinary gains, net	$0	22
Net income	$1,209,000	2,294
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,209,000	2,292
Net charge-offs	$38,000	3,570
Cash dividends	$375,000	1,987
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,209,000	2,197
2013-03-31 (YTD Data)		Rank
Total interest income	$1,947,000	3,052
Total interest expense	$313,000	2,700
Net interest income	$1,634,000	3,095
Provision for loan and lease losses	$41,000	3,024
Total noninterest income	$433,000	2,453
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$171,000	1,841
Trading account gains and fees	$0	148
Additional Noninterest Income	$262,000	2,400
Total noninterest expense	$1,139,000	3,685
Salaries and employee benefits	$649,000	3,517
Premises and equipment expense	$238,000	2,397
Additional noninterest expense	$252,000	4,625
Pre-tax net operating income	$887,000	1,897
Securities gains (losses)	$0	1,966
Applicable income taxes	$273,000	1,424
Income before extraordinary items	$614,000	2,219
Extraordinary gains, net	$0	10
Net income	$614,000	2,221
Minority interest net income	$0	76
Net income of bank and minority interests.	$614,000	2,221
Net charge-offs	$52,000	2,391
Cash dividends	$25,000	2,541
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$614,000	2,137
2012-12-31 (YTD Data)		Rank
Total interest income	$8,371,000	2,988
Total interest expense	$1,341,000	2,949
Net interest income	$7,030,000	2,966
Provision for loan and lease losses	$20,000	5,589
Total noninterest income	$1,536,000	2,582
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$725,000	1,840
Trading account gains and fees	$0	166
Additional Noninterest Income	$811,000	2,666
Total noninterest expense	$5,058,000	3,433
Salaries and employee benefits	$2,815,000	3,265
Premises and equipment expense	$956,000	2,353
Additional noninterest expense	$1,287,000	4,179
Pre-tax net operating income	$3,488,000	1,826
Securities gains (losses)	$0	3,810
Applicable income taxes	$1,100,000	1,374
Income before extraordinary items	$2,388,000	2,262
Extraordinary gains, net	$0	29
Net income	$2,388,000	2,262
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,388,000	2,264
Net charge-offs	$113,000	4,319
Cash dividends	$1,250,000	1,688
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,388,000	2,129
2012-09-30 (YTD Data)		Rank
Total interest income	$6,291,000	3,049
Total interest expense	$1,022,000	3,024
Net interest income	$5,269,000	3,021
Provision for loan and lease losses	$135,000	4,004
Total noninterest income	$1,314,000	2,385
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$536,000	1,885
Trading account gains and fees	$0	157
Additional Noninterest Income	$778,000	2,306
Total noninterest expense	$3,667,000	3,545
Salaries and employee benefits	$2,011,000	3,409
Premises and equipment expense	$703,000	2,429
Additional noninterest expense	$953,000	4,241
Pre-tax net operating income	$2,781,000	1,792
Securities gains (losses)	$0	3,575
Applicable income taxes	$865,000	1,371
Income before extraordinary items	$1,916,000	2,192
Extraordinary gains, net	$0	20
Net income	$1,916,000	2,192
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,916,000	2,193
Net charge-offs	$54,000	4,465
Cash dividends	$500,000	2,021
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,916,000	2,060
2012-06-30 (YTD Data)		Rank
Total interest income	$4,208,000	3,064
Total interest expense	$695,000	3,075
Net interest income	$3,513,000	3,032
Provision for loan and lease losses	$60,000	4,338
Total noninterest income	$786,000	2,506
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$353,000	1,889
Trading account gains and fees	$0	153
Additional Noninterest Income	$433,000	2,536
Total noninterest expense	$2,419,000	3,596
Salaries and employee benefits	$1,336,000	3,432
Premises and equipment expense	$454,000	2,504
Additional noninterest expense	$629,000	4,275
Pre-tax net operating income	$1,820,000	1,810
Securities gains (losses)	$0	3,178
Applicable income taxes	$590,000	1,339
Income before extraordinary items	$1,230,000	2,224
Extraordinary gains, net	$0	19
Net income	$1,230,000	2,224
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,230,000	2,224
Net charge-offs	$24,000	4,535
Cash dividends	$500,000	1,580
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,230,000	2,101
2012-03-31 (YTD Data)		Rank
Total interest income	$2,134,000	3,047
Total interest expense	$354,000	3,118
Net interest income	$1,780,000	3,018
Provision for loan and lease losses	$60,000	3,447
Total noninterest income	$430,000	2,375
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$168,000	1,961
Trading account gains and fees	$0	148
Additional Noninterest Income	$262,000	2,277
Total noninterest expense	$1,193,000	3,650
Salaries and employee benefits	$669,000	3,461
Premises and equipment expense	$217,000	2,621
Additional noninterest expense	$307,000	4,333
Pre-tax net operating income	$957,000	1,749
Securities gains (losses)	$0	2,210
Applicable income taxes	$306,000	1,277
Income before extraordinary items	$651,000	2,123
Extraordinary gains, net	$0	19
Net income	$651,000	2,123
Minority interest net income	$0	78
Net income of bank and minority interests.	$651,000	2,125
Net charge-offs	$2,000	4,518
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$651,000	2,019
2011-12-31 (YTD Data)		Rank
Total interest income	$8,565,000	3,142
Total interest expense	$1,743,000	3,073
Net interest income	$6,822,000	3,138
Provision for loan and lease losses	$308,000	4,070
Total noninterest income	$1,525,000	2,424
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$738,000	1,901
Trading account gains and fees	$0	146
Additional Noninterest Income	$787,000	2,480
Total noninterest expense	$4,815,000	3,634
Salaries and employee benefits	$2,735,000	3,336
Premises and equipment expense	$860,000	2,751
Additional noninterest expense	$1,220,000	4,402
Pre-tax net operating income	$3,224,000	1,716
Securities gains (losses)	$46,000	2,636
Applicable income taxes	$1,135,000	1,240
Income before extraordinary items	$2,135,000	2,132
Extraordinary gains, net	$0	29
Net income	$2,135,000	2,133
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,135,000	2,133
Net charge-offs	$250,000	4,017
Cash dividends	$728,000	1,994
Sale, conversion, retirement of capital stock, net	$29,000	897
Net operating income	$2,105,100	2,082
2011-09-30 (YTD Data)		Rank
Total interest income	$6,339,000	3,212
Total interest expense	$1,361,000	3,093
Net interest income	$4,978,000	3,222
Provision for loan and lease losses	$458,000	2,992
Total noninterest income	$1,159,000	2,394
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$549,000	1,919
Trading account gains and fees	$0	145
Additional Noninterest Income	$610,000	2,399
Total noninterest expense	$3,483,000	3,734
Salaries and employee benefits	$1,946,000	3,462
Premises and equipment expense	$633,000	2,810
Additional noninterest expense	$904,000	4,443
Pre-tax net operating income	$2,196,000	1,940
Securities gains (losses)	$0	3,555
Applicable income taxes	$701,000	1,423
Income before extraordinary items	$1,495,000	2,325
Extraordinary gains, net	$0	21
Net income	$1,495,000	2,325
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,495,000	2,326
Net charge-offs	$282,000	3,318
Cash dividends	$280,000	2,412
Sale, conversion, retirement of capital stock, net	$18,000	874
Net operating income	$1,495,000	2,218
2011-06-30 (YTD Data)		Rank
Total interest income	$4,214,000	3,251
Total interest expense	$933,000	3,130
Net interest income	$3,281,000	3,265
Provision for loan and lease losses	$398,000	2,611
Total noninterest income	$723,000	2,490
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$362,000	1,916
Trading account gains and fees	$0	153
Additional Noninterest Income	$361,000	2,589
Total noninterest expense	$2,285,000	3,824
Salaries and employee benefits	$1,274,000	3,531
Premises and equipment expense	$407,000	2,925
Additional noninterest expense	$604,000	4,513
Pre-tax net operating income	$1,321,000	2,066
Securities gains (losses)	$0	2,914
Applicable income taxes	$423,000	1,474
Income before extraordinary items	$898,000	2,464
Extraordinary gains, net	$0	15
Net income	$898,000	2,464
Minority interest net income	$0	89
Net income of bank and minority interests.	$898,000	2,464
Net charge-offs	$265,000	2,826
Cash dividends	$280,000	1,996
Sale, conversion, retirement of capital stock, net	$7,000	877
Net operating income	$898,000	2,381
2011-03-31 (YTD Data)		Rank
Total interest income	$2,123,000	3,256
Total interest expense	$476,000	3,170
Net interest income	$1,647,000	3,242
Provision for loan and lease losses	$148,000	2,920
Total noninterest income	$331,000	2,654
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$172,000	1,978
Trading account gains and fees	$0	158
Additional Noninterest Income	$159,000	2,799
Total noninterest expense	$1,082,000	3,978
Salaries and employee benefits	$590,000	3,775
Premises and equipment expense	$199,000	3,013
Additional noninterest expense	$293,000	4,596
Pre-tax net operating income	$748,000	1,876
Securities gains (losses)	$0	1,772
Applicable income taxes	$248,000	1,284
Income before extraordinary items	$500,000	2,257
Extraordinary gains, net	$0	9
Net income	$500,000	2,256
Minority interest net income	$0	86
Net income of bank and minority interests.	$500,000	2,257
Net charge-offs	$43,000	3,481
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$500,000	2,210
2010-12-31 (YTD Data)		Rank
Total interest income	$8,929,000	3,243
Total interest expense	$2,171,000	3,340
Net interest income	$6,758,000	3,164
Provision for loan and lease losses	$253,000	5,065
Total noninterest income	$1,320,000	2,741
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$848,000	1,730
Trading account gains and fees	$0	175
Additional Noninterest Income	$472,000	3,272
Total noninterest expense	$4,812,000	3,731
Salaries and employee benefits	$2,705,000	3,392
Premises and equipment expense	$877,000	2,760
Additional noninterest expense	$1,230,000	4,547
Pre-tax net operating income	$3,013,000	1,625
Securities gains (losses)	$0	3,793
Applicable income taxes	$989,000	1,228
Income before extraordinary items	$2,024,000	2,004
Extraordinary gains, net	$0	29
Net income	$2,024,000	2,004
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,024,000	2,005
Net charge-offs	$75,000	5,655
Cash dividends	$550,000	2,230
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,024,000	1,927
2010-09-30 (YTD Data)		Rank
Total interest income	$6,762,000	3,281
Total interest expense	$1,662,000	3,416
Net interest income	$5,100,000	3,188
Provision for loan and lease losses	$213,000	4,804
Total noninterest income	$993,000	2,754
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$629,000	1,804
Trading account gains and fees	$0	165
Additional Noninterest Income	$364,000	3,248
Total noninterest expense	$3,523,000	3,788
Salaries and employee benefits	$1,936,000	3,530
Premises and equipment expense	$674,000	2,748
Additional noninterest expense	$913,000	4,558
Pre-tax net operating income	$2,357,000	1,665
Securities gains (losses)	$0	3,651
Applicable income taxes	$809,000	1,192
Income before extraordinary items	$1,548,000	2,086
Extraordinary gains, net	$0	23
Net income	$1,548,000	2,087
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,548,000	2,088
Net charge-offs	$46,000	5,552
Cash dividends	$250,000	2,499
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,548,000	1,990
2010-06-30 (YTD Data)		Rank
Total interest income	$4,466,000	3,342
Total interest expense	$1,114,000	3,504
Net interest income	$3,352,000	3,211
Provision for loan and lease losses	$123,000	4,878
Total noninterest income	$614,000	2,829
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$414,000	1,833
Trading account gains and fees	$0	152
Additional Noninterest Income	$200,000	3,506
Total noninterest expense	$2,336,000	3,808
Salaries and employee benefits	$1,275,000	3,586
Premises and equipment expense	$439,000	2,825
Additional noninterest expense	$622,000	4,492
Pre-tax net operating income	$1,507,000	1,717
Securities gains (losses)	$0	3,184
Applicable income taxes	$532,000	1,158
Income before extraordinary items	$975,000	2,164
Extraordinary gains, net	$0	19
Net income	$975,000	2,162
Minority interest net income	$0	105
Net income of bank and minority interests.	$975,000	2,166
Net charge-offs	$24,000	5,408
Cash dividends	$250,000	2,089
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$975,000	2,086
2010-03-31 (YTD Data)		Rank
Total interest income	$2,203,000	3,450
Total interest expense	$554,000	3,651
Net interest income	$1,649,000	3,287
Provision for loan and lease losses	$60,000	4,570
Total noninterest income	$266,000	3,098
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$199,000	1,880
Trading account gains and fees	$0	175
Additional Noninterest Income	$67,000	4,201
Total noninterest expense	$1,170,000	3,829
Salaries and employee benefits	$636,000	3,645
Premises and equipment expense	$219,000	2,901
Additional noninterest expense	$315,000	4,452
Pre-tax net operating income	$685,000	1,864
Securities gains (losses)	$0	2,284
Applicable income taxes	$251,000	1,199
Income before extraordinary items	$434,000	2,411
Extraordinary gains, net	$0	16
Net income	$434,000	2,410
Minority interest net income	$0	91
Net income of bank and minority interests.	$434,000	2,411
Net charge-offs	$10,000	4,830
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$434,000	2,324
2009-12-31 (YTD Data)		Rank
Total interest income	$9,293,000	3,417
Total interest expense	$2,920,000	3,476
Net interest income	$6,373,000	3,280
Provision for loan and lease losses	$575,000	4,327
Total noninterest income	$1,228,000	2,931
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$834,000	1,985
Trading account gains and fees	$0	211
Additional Noninterest Income	$394,000	3,574
Total noninterest expense	$4,825,000	3,800
Salaries and employee benefits	$2,558,000	3,625
Premises and equipment expense	$914,000	2,785
Additional noninterest expense	$1,353,000	4,376
Pre-tax net operating income	$2,201,000	1,765
Securities gains (losses)	$21,000	3,019
Applicable income taxes	$654,000	1,303
Income before extraordinary items	$1,568,000	2,044
Extraordinary gains, net	$0	34
Net income	$1,568,000	2,040
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,568,000	2,042
Net charge-offs	$358,000	4,252
Cash dividends	$183,000	3,719
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,553,090	2,026
2009-09-30 (YTD Data)		Rank
Total interest income	$7,041,000	3,440
Total interest expense	$2,304,000	3,483
Net interest income	$4,737,000	3,315
Provision for loan and lease losses	$443,000	4,026
Total noninterest income	$830,000	3,194
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$626,000	1,989
Trading account gains and fees	$0	212
Additional Noninterest Income	$204,000	4,252
Total noninterest expense	$3,512,000	3,897
Salaries and employee benefits	$1,873,000	3,726
Premises and equipment expense	$679,000	2,846
Additional noninterest expense	$960,000	4,523
Pre-tax net operating income	$1,612,000	1,930
Securities gains (losses)	$21,000	2,721
Applicable income taxes	$527,000	1,354
Income before extraordinary items	$1,106,000	2,305
Extraordinary gains, net	$0	27
Net income	$1,106,000	2,303
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,106,000	2,306
Net charge-offs	$249,000	3,980
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,091,720	2,293
2009-06-30 (YTD Data)		Rank
Total interest income	$4,639,000	3,506
Total interest expense	$1,629,000	3,461
Net interest income	$3,010,000	3,446
Provision for loan and lease losses	$175,000	4,540
Total noninterest income	$494,000	3,445
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$410,000	1,980
Trading account gains and fees	$0	193
Additional Noninterest Income	$84,000	5,093
Total noninterest expense	$2,277,000	3,993
Salaries and employee benefits	$1,245,000	3,782
Premises and equipment expense	$446,000	2,916
Additional noninterest expense	$586,000	4,791
Pre-tax net operating income	$1,052,000	2,027
Securities gains (losses)	$0	3,136
Applicable income taxes	$334,000	1,426
Income before extraordinary items	$718,000	2,430
Extraordinary gains, net	$0	21
Net income	$718,000	2,428
Minority interest net income	$0	112
Net income of bank and minority interests.	$718,000	2,430
Net charge-offs	$4,000	6,304
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$718,000	2,355
2009-03-31 (YTD Data)		Rank
Total interest income	$2,334,000	3,533
Total interest expense	$862,000	3,423
Net interest income	$1,472,000	3,495
Provision for loan and lease losses	$70,000	4,469
Total noninterest income	$265,000	3,259
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$197,000	2,000
Trading account gains and fees	$0	171
Additional Noninterest Income	$68,000	4,284
Total noninterest expense	$1,111,000	4,000
Salaries and employee benefits	$618,000	3,837
Premises and equipment expense	$212,000	3,094
Additional noninterest expense	$281,000	4,608
Pre-tax net operating income	$556,000	2,190
Securities gains (losses)	$0	2,434
Applicable income taxes	$176,000	1,580
Income before extraordinary items	$380,000	2,669
Extraordinary gains, net	$0	15
Net income	$380,000	2,668
Minority interest net income	$0	102
Net income of bank and minority interests.	$380,000	2,670
Net charge-offs	$7,000	4,941
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$380,000	2,529
2008-12-31 (YTD Data)		Rank
Total interest income	$10,602,000	3,379
Total interest expense	$4,061,000	3,481
Net interest income	$6,541,000	3,242
Provision for loan and lease losses	$249,000	4,921
Total noninterest income	$1,497,000	2,637
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$983,000	1,786
Trading account gains and fees	$0	154
Additional Noninterest Income	$514,000	3,125
Total noninterest expense	$4,150,000	4,123
Salaries and employee benefits	$2,380,000	3,920
Premises and equipment expense	$763,000	3,294
Additional noninterest expense	$1,007,000	4,803
Pre-tax net operating income	$3,639,000	1,497
Securities gains (losses)	$-265,000	7,401
Applicable income taxes	$1,242,000	1,003
Income before extraordinary items	$2,132,000	1,873
Extraordinary gains, net	$0	39
Net income	$2,132,000	1,875
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	4,329
Cash dividends	$865,000	2,548
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,301,600	1,852
2008-09-30 (YTD Data)		Rank
Total interest income	$8,051,000	3,406
Total interest expense	$3,108,000	3,541
Net interest income	$4,943,000	3,251
Provision for loan and lease losses	$136,000	4,739
Total noninterest income	$1,068,000	2,775
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$736,000	1,801
Trading account gains and fees	$0	148
Additional Noninterest Income	$332,000	3,513
Total noninterest expense	$3,002,000	4,218
Salaries and employee benefits	$1,722,000	4,043
Premises and equipment expense	$555,000	3,396
Additional noninterest expense	$725,000	4,849
Pre-tax net operating income	$2,873,000	1,695
Securities gains (losses)	$-265,000	7,648
Applicable income taxes	$966,000	1,180
Income before extraordinary items	$1,642,000	2,146
Extraordinary gains, net	$0	31
Net income	$1,642,000	2,144
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$113,000	3,799
Cash dividends	$615,000	2,450
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,811,600	2,051
2008-06-30 (YTD Data)		Rank
Total interest income	$5,409,000	3,430
Total interest expense	$2,132,000	3,583
Net interest income	$3,277,000	3,256
Provision for loan and lease losses	$65,000	4,825
Total noninterest income	$686,000	2,887
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$476,000	1,823
Trading account gains and fees	$0	149
Additional Noninterest Income	$210,000	3,671
Total noninterest expense	$2,013,000	4,213
Salaries and employee benefits	$1,142,000	4,099
Premises and equipment expense	$374,000	3,393
Additional noninterest expense	$497,000	4,737
Pre-tax net operating income	$1,885,000	1,768
Securities gains (losses)	$1,000	3,084
Applicable income taxes	$621,000	1,358
Income before extraordinary items	$1,265,000	2,087
Extraordinary gains, net	$0	21
Net income	$1,265,000	2,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,802
Cash dividends	$375,000	2,666
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,264,330	2,043
2008-03-31 (YTD Data)		Rank
Total interest income	$2,803,000	3,419
Total interest expense	$1,095,000	3,676
Net interest income	$1,708,000	3,144
Provision for loan and lease losses	$39,000	4,135
Total noninterest income	$336,000	2,897
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$221,000	1,908
Trading account gains and fees	$0	158
Additional Noninterest Income	$115,000	3,517
Total noninterest expense	$1,007,000	4,212
Salaries and employee benefits	$563,000	4,166
Premises and equipment expense	$195,000	3,309
Additional noninterest expense	$249,000	4,702
Pre-tax net operating income	$998,000	1,789
Securities gains (losses)	$1,000	2,556
Applicable income taxes	$330,000	1,378
Income before extraordinary items	$669,000	2,106
Extraordinary gains, net	$0	15
Net income	$669,000	2,109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,902
Cash dividends	$175,000	2,457
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$668,330	2,045
2007-12-31 (YTD Data)		Rank
Total interest income	$11,154,000	3,490
Total interest expense	$4,474,000	3,728
Net interest income	$6,680,000	3,215
Provision for loan and lease losses	$153,000	4,290
Total noninterest income	$1,241,000	3,074
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$919,000	1,898
Trading account gains and fees	$0	178
Additional Noninterest Income	$322,000	4,116
Total noninterest expense	$4,038,000	4,091
Salaries and employee benefits	$2,281,000	3,973
Premises and equipment expense	$767,000	3,193
Additional noninterest expense	$990,000	4,698
Pre-tax net operating income	$3,730,000	2,096
Securities gains (losses)	$3,000	1,730
Applicable income taxes	$1,276,000	1,582
Income before extraordinary items	$2,457,000	2,406
Extraordinary gains, net	$0	39
Net income	$2,457,000	2,405
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$167,000	3,084
Cash dividends	$1,134,000	2,435
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,455,020	2,398
2007-09-30 (YTD Data)		Rank
Total interest income	$8,307,000	3,514
Total interest expense	$3,306,000	3,775
Net interest income	$5,001,000	3,232
Provision for loan and lease losses	$115,000	3,913
Total noninterest income	$878,000	3,180
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$691,000	1,881
Trading account gains and fees	$0	184
Additional Noninterest Income	$187,000	4,625
Total noninterest expense	$2,955,000	4,143
Salaries and employee benefits	$1,660,000	4,052
Premises and equipment expense	$576,000	3,169
Additional noninterest expense	$719,000	4,718
Pre-tax net operating income	$2,809,000	2,229
Securities gains (losses)	$1,000	1,492
Applicable income taxes	$1,004,000	1,643
Income before extraordinary items	$1,806,000	2,585
Extraordinary gains, net	$0	33
Net income	$1,806,000	2,583
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	3,341
Cash dividends	$751,000	2,377
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,805,360	2,565
2007-06-30 (YTD Data)		Rank
Total interest income	$5,494,000	3,535
Total interest expense	$2,154,000	3,833
Net interest income	$3,340,000	3,251
Provision for loan and lease losses	$77,000	3,706
Total noninterest income	$600,000	3,147
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$467,000	1,862
Trading account gains and fees	$0	168
Additional Noninterest Income	$133,000	4,545
Total noninterest expense	$1,959,000	4,187
Salaries and employee benefits	$1,114,000	4,070
Premises and equipment expense	$377,000	3,235
Additional noninterest expense	$468,000	4,796
Pre-tax net operating income	$1,904,000	2,251
Securities gains (losses)	$0	1,444
Applicable income taxes	$685,000	1,685
Income before extraordinary items	$1,219,000	2,605
Extraordinary gains, net	$0	29
Net income	$1,219,000	2,604
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,302
Cash dividends	$451,000	2,578
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,219,000	2,584
2007-03-31 (YTD Data)		Rank
Total interest income	$2,707,000	3,566
Total interest expense	$1,055,000	3,870
Net interest income	$1,652,000	3,279
Provision for loan and lease losses	$38,000	3,501
Total noninterest income	$269,000	3,360
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$225,000	1,865
Trading account gains and fees	$0	195
Additional Noninterest Income	$44,000	5,347
Total noninterest expense	$969,000	4,234
Salaries and employee benefits	$558,000	4,088
Premises and equipment expense	$180,000	3,387
Additional noninterest expense	$231,000	4,794
Pre-tax net operating income	$914,000	2,316
Securities gains (losses)	$0	1,187
Applicable income taxes	$324,000	1,767
Income before extraordinary items	$590,000	2,664
Extraordinary gains, net	$0	22
Net income	$590,000	2,666
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,660
Cash dividends	$201,000	2,391
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$590,000	2,650
2006-12-31 (YTD Data)		Rank
Total interest income	$9,879,000	3,610
Total interest expense	$3,555,000	3,873
Net interest income	$6,324,000	3,386
Provision for loan and lease losses	$153,000	4,016
Total noninterest income	$1,251,000	3,040
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$936,000	1,849
Trading account gains and fees	$0	130
Additional Noninterest Income	$315,000	4,210
Total noninterest expense	$3,755,000	4,168
Salaries and employee benefits	$2,145,000	4,063
Premises and equipment expense	$713,000	3,296
Additional noninterest expense	$897,000	4,869
Pre-tax net operating income	$3,667,000	2,398
Securities gains (losses)	$2,000	1,439
Applicable income taxes	$1,265,000	1,894
Income before extraordinary items	$2,404,000	2,696
Extraordinary gains, net	$0	51
Net income	$2,404,000	2,698
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$140,000	2,682
Cash dividends	$1,143,000	2,346
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,402,680	2,686
2006-09-30 (YTD Data)		Rank
Total interest income	$7,229,000	3,656
Total interest expense	$2,556,000	3,896
Net interest income	$4,673,000	3,447
Provision for loan and lease losses	$115,000	3,881
Total noninterest income	$887,000	3,169
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$706,000	1,848
Trading account gains and fees	$0	126
Additional Noninterest Income	$181,000	4,745
Total noninterest expense	$2,786,000	4,193
Salaries and employee benefits	$1,566,000	4,122
Premises and equipment expense	$535,000	3,285
Additional noninterest expense	$685,000	4,789
Pre-tax net operating income	$2,659,000	2,537
Securities gains (losses)	$0	1,388
Applicable income taxes	$936,000	1,971
Income before extraordinary items	$1,723,000	2,894
Extraordinary gains, net	$0	45
Net income	$1,723,000	2,895
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	2,477
Cash dividends	$703,000	2,428
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,723,000	2,885
2006-06-30 (YTD Data)		Rank
Total interest income	$4,691,000	3,673
Total interest expense	$1,629,000	3,908
Net interest income	$3,062,000	3,496
Provision for loan and lease losses	$77,000	3,767
Total noninterest income	$559,000	3,268
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$451,000	1,900
Trading account gains and fees	$0	126
Additional Noninterest Income	$108,000	4,971
Total noninterest expense	$1,855,000	4,212
Salaries and employee benefits	$1,046,000	4,140
Premises and equipment expense	$358,000	3,271
Additional noninterest expense	$451,000	4,819
Pre-tax net operating income	$1,689,000	2,631
Securities gains (losses)	$0	1,185
Applicable income taxes	$594,000	2,067
Income before extraordinary items	$1,095,000	2,996
Extraordinary gains, net	$0	39
Net income	$1,095,000	2,998
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	3,501
Cash dividends	$403,000	2,675
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,095,000	2,981
2006-03-31 (YTD Data)		Rank
Total interest income	$2,293,000	3,678
Total interest expense	$786,000	3,863
Net interest income	$1,507,000	3,524
Provision for loan and lease losses	$38,000	3,609
Total noninterest income	$252,000	3,443
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$205,000	2,006
Trading account gains and fees	$0	115
Additional Noninterest Income	$47,000	5,227
Total noninterest expense	$929,000	4,221
Salaries and employee benefits	$528,000	4,134
Premises and equipment expense	$183,000	3,224
Additional noninterest expense	$218,000	4,907
Pre-tax net operating income	$792,000	2,729
Securities gains (losses)	$0	955
Applicable income taxes	$286,000	2,078
Income before extraordinary items	$506,000	3,126
Extraordinary gains, net	$0	21
Net income	$506,000	3,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	3,919
Cash dividends	$150,000	2,701
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$506,000	3,104
2005-12-31 (YTD Data)		Rank
Total interest income	$8,600,000	3,540
Total interest expense	$2,487,000	3,838
Net interest income	$6,113,000	3,369
Provision for loan and lease losses	$153,000	4,087
Total noninterest income	$1,058,000	3,417
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$801,000	2,103
Trading account gains and fees	$0	138
Additional Noninterest Income	$257,000	4,671
Total noninterest expense	$3,635,000	4,165
Salaries and employee benefits	$2,097,000	3,990
Premises and equipment expense	$623,000	3,543
Additional noninterest expense	$915,000	4,707
Pre-tax net operating income	$3,383,000	2,512
Securities gains (losses)	$-46,000	8,149
Applicable income taxes	$1,147,000	2,075
Income before extraordinary items	$2,190,000	2,861
Extraordinary gains, net	$0	46
Net income	$2,190,000	2,862
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,618
Cash dividends	$1,308,000	2,019
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,220,360	2,788
2005-09-30 (YTD Data)		Rank
Total interest income	$6,373,000	3,522
Total interest expense	$1,778,000	3,831
Net interest income	$4,595,000	3,362
Provision for loan and lease losses	$115,000	3,957
Total noninterest income	$720,000	3,677
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$581,000	2,163
Trading account gains and fees	$0	126
Additional Noninterest Income	$139,000	5,331
Total noninterest expense	$2,688,000	4,175
Salaries and employee benefits	$1,538,000	4,014
Premises and equipment expense	$474,000	3,494
Additional noninterest expense	$676,000	4,738
Pre-tax net operating income	$2,512,000	2,561
Securities gains (losses)	$-6,000	7,744
Applicable income taxes	$892,000	2,044
Income before extraordinary items	$1,614,000	2,953
Extraordinary gains, net	$0	35
Net income	$1,614,000	2,954
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	8,120
Cash dividends	$758,000	2,187
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,617,840	2,902
2005-06-30 (YTD Data)		Rank
Total interest income	$4,189,000	3,495
Total interest expense	$1,126,000	3,800
Net interest income	$3,063,000	3,345
Provision for loan and lease losses	$77,000	3,794
Total noninterest income	$464,000	3,704
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$368,000	2,215
Trading account gains and fees	$0	116
Additional Noninterest Income	$96,000	5,271
Total noninterest expense	$1,774,000	4,193
Salaries and employee benefits	$1,027,000	3,993
Premises and equipment expense	$300,000	3,627
Additional noninterest expense	$447,000	4,749
Pre-tax net operating income	$1,676,000	2,509
Securities gains (losses)	$4,000	1,659
Applicable income taxes	$594,000	2,023
Income before extraordinary items	$1,086,000	2,910
Extraordinary gains, net	$0	30
Net income	$1,086,000	2,910
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-22,000	8,182
Cash dividends	$355,000	2,681
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,083,400	2,865
2005-03-31 (YTD Data)		Rank
Total interest income	$2,055,000	3,511
Total interest expense	$534,000	3,847
Net interest income	$1,521,000	3,371
Provision for loan and lease losses	$38,000	3,670
Total noninterest income	$239,000	3,569
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$175,000	2,253
Trading account gains and fees	$0	115
Additional Noninterest Income	$64,000	4,644
Total noninterest expense	$892,000	4,197
Salaries and employee benefits	$510,000	4,032
Premises and equipment expense	$152,000	3,614
Additional noninterest expense	$230,000	4,642
Pre-tax net operating income	$830,000	2,498
Securities gains (losses)	$0	1,685
Applicable income taxes	$289,000	2,030
Income before extraordinary items	$541,000	2,858
Extraordinary gains, net	$0	24
Net income	$541,000	2,859
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,424
Cash dividends	$155,000	2,500
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$541,000	2,805
2004-12-31 (YTD Data)		Rank
Total interest income	$7,824,000	3,470
Total interest expense	$1,671,000	4,195
Net interest income	$6,153,000	3,231
Provision for loan and lease losses	$153,000	4,196
Total noninterest income	$1,152,000	3,213
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$758,000	2,238
Trading account gains and fees	$0	138
Additional Noninterest Income	$394,000	3,748
Total noninterest expense	$3,528,000	4,154
Salaries and employee benefits	$1,914,000	4,139
Premises and equipment expense	$600,000	3,530
Additional noninterest expense	$1,014,000	4,293
Pre-tax net operating income	$3,624,000	2,215
Securities gains (losses)	$9,000	2,866
Applicable income taxes	$1,194,000	1,906
Income before extraordinary items	$2,439,000	2,479
Extraordinary gains, net	$0	34
Net income	$2,439,000	2,481
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,222
Cash dividends	$1,718,000	1,554
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,432,970	2,433
2004-09-30 (YTD Data)		Rank
Total interest income	$5,840,000	3,462
Total interest expense	$1,234,000	4,197
Net interest income	$4,606,000	3,231
Provision for loan and lease losses	$115,000	4,038
Total noninterest income	$866,000	3,228
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$559,000	2,280
Trading account gains and fees	$0	134
Additional Noninterest Income	$307,000	3,684
Total noninterest expense	$2,559,000	4,233
Salaries and employee benefits	$1,414,000	4,140
Premises and equipment expense	$453,000	3,526
Additional noninterest expense	$692,000	4,569
Pre-tax net operating income	$2,798,000	2,187
Securities gains (losses)	$34,000	1,949
Applicable income taxes	$953,000	1,857
Income before extraordinary items	$1,879,000	2,453
Extraordinary gains, net	$0	26
Net income	$1,879,000	2,456
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	4,186
Cash dividends	$1,549,000	1,220
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,856,560	2,423
2004-06-30 (YTD Data)		Rank
Total interest income	$3,818,000	3,506
Total interest expense	$826,000	4,184
Net interest income	$2,992,000	3,280
Provision for loan and lease losses	$77,000	3,961
Total noninterest income	$477,000	3,684
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$352,000	2,379
Trading account gains and fees	$0	130
Additional Noninterest Income	$125,000	4,692
Total noninterest expense	$1,659,000	4,340
Salaries and employee benefits	$910,000	4,279
Premises and equipment expense	$303,000	3,525
Additional noninterest expense	$446,000	4,708
Pre-tax net operating income	$1,733,000	2,296
Securities gains (losses)	$34,000	1,708
Applicable income taxes	$617,000	1,888
Income before extraordinary items	$1,150,000	2,621
Extraordinary gains, net	$0	21
Net income	$1,150,000	2,622
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	3,456
Cash dividends	$905,000	1,391
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,127,900	2,587
2004-03-31 (YTD Data)		Rank
Total interest income	$1,909,000	3,518
Total interest expense	$417,000	4,204
Net interest income	$1,492,000	3,273
Provision for loan and lease losses	$38,000	3,803
Total noninterest income	$206,000	3,997
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$157,000	2,581
Trading account gains and fees	$0	121
Additional Noninterest Income	$49,000	5,162
Total noninterest expense	$806,000	4,448
Salaries and employee benefits	$447,000	4,374
Premises and equipment expense	$151,000	3,573
Additional noninterest expense	$208,000	4,925
Pre-tax net operating income	$854,000	2,303
Securities gains (losses)	$32,000	1,456
Applicable income taxes	$309,000	1,881
Income before extraordinary items	$577,000	2,596
Extraordinary gains, net	$0	16
Net income	$577,000	2,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,804
Cash dividends	$155,000	2,446
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$556,200	2,597
2003-12-31 (YTD Data)		Rank
Total interest income	$7,541,000	3,593
Total interest expense	$2,052,000	3,950
Net interest income	$5,489,000	3,431
Provision for loan and lease losses	$153,000	4,541
Total noninterest income	$879,000	4,006
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$621,000	2,632
Trading account gains and fees	$0	160
Additional Noninterest Income	$258,000	4,795
Total noninterest expense	$3,300,000	4,314
Salaries and employee benefits	$1,844,000	4,189
Premises and equipment expense	$582,000	3,611
Additional noninterest expense	$874,000	4,737
Pre-tax net operating income	$2,915,000	2,571
Securities gains (losses)	$14,000	3,435
Applicable income taxes	$984,000	2,197
Income before extraordinary items	$1,945,000	2,924
Extraordinary gains, net	$0	54
Net income	$1,945,000	2,924
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	4,514
Cash dividends	$746,000	2,852
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,935,760	2,813
2003-09-30 (YTD Data)		Rank
Total interest income	$5,630,000	3,654
Total interest expense	$1,602,000	3,941
Net interest income	$4,028,000	3,507
Provision for loan and lease losses	$115,000	4,426
Total noninterest income	$637,000	4,138
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$454,000	2,687
Trading account gains and fees	$0	153
Additional Noninterest Income	$183,000	4,961
Total noninterest expense	$2,435,000	4,353
Salaries and employee benefits	$1,331,000	4,295
Premises and equipment expense	$431,000	3,641
Additional noninterest expense	$673,000	4,601
Pre-tax net operating income	$2,115,000	2,726
Securities gains (losses)	$14,000	3,164
Applicable income taxes	$743,000	2,305
Income before extraordinary items	$1,386,000	3,144
Extraordinary gains, net	$0	40
Net income	$1,386,000	3,143
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	4,467
Cash dividends	$458,000	2,816
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,376,900	3,009
2003-06-30 (YTD Data)		Rank
Total interest income	$3,727,000	3,698
Total interest expense	$1,105,000	3,938
Net interest income	$2,622,000	3,567
Provision for loan and lease losses	$77,000	4,362
Total noninterest income	$422,000	4,118
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$294,000	2,693
Trading account gains and fees	$0	150
Additional Noninterest Income	$128,000	4,871
Total noninterest expense	$1,612,000	4,367
Salaries and employee benefits	$890,000	4,285
Premises and equipment expense	$282,000	3,674
Additional noninterest expense	$440,000	4,671
Pre-tax net operating income	$1,355,000	2,818
Securities gains (losses)	$14,000	2,789
Applicable income taxes	$478,000	2,381
Income before extraordinary items	$891,000	3,232
Extraordinary gains, net	$0	30
Net income	$891,000	3,232
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	4,382
Cash dividends	$308,000	2,843
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$881,900	3,090
2003-03-31 (YTD Data)		Rank
Total interest income	$1,823,000	3,784
Total interest expense	$563,000	3,975
Net interest income	$1,260,000	3,666
Provision for loan and lease losses	$38,000	4,186
Total noninterest income	$170,000	4,564
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$141,000	2,710
Trading account gains and fees	$0	134
Additional Noninterest Income	$29,000	6,299
Total noninterest expense	$786,000	4,423
Salaries and employee benefits	$449,000	4,253
Premises and equipment expense	$140,000	3,695
Additional noninterest expense	$197,000	5,007
Pre-tax net operating income	$606,000	3,056
Securities gains (losses)	$0	2,891
Applicable income taxes	$215,000	2,571
Income before extraordinary items	$390,000	3,524
Extraordinary gains, net	$0	21
Net income	$390,000	3,522
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,770
Cash dividends	$125,000	2,703
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$390,000	3,351
2002-12-31 (YTD Data)		Rank
Total interest income	$7,669,000	3,778
Total interest expense	$2,582,000	3,995
Net interest income	$5,087,000	3,621
Provision for loan and lease losses	$123,000	5,298
Total noninterest income	$954,000	3,585
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$607,000	2,547
Trading account gains and fees	$0	153
Additional Noninterest Income	$347,000	3,967
Total noninterest expense	$3,026,000	4,428
Salaries and employee benefits	$1,642,000	4,373
Premises and equipment expense	$545,000	3,695
Additional noninterest expense	$839,000	4,768
Pre-tax net operating income	$2,892,000	2,580
Securities gains (losses)	$7,000	3,799
Applicable income taxes	$952,000	2,293
Income before extraordinary items	$1,947,000	2,862
Extraordinary gains, net	$0	70
Net income	$1,947,000	2,860
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	6,624
Cash dividends	$675,000	2,961
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,942,310	2,778
2001-12-31 (YTD Data)		Rank
Total interest income	$8,256,000	3,909
Total interest expense	$3,784,000	3,969
Net interest income	$4,472,000	3,786
Provision for loan and lease losses	$120,000	5,188
Total noninterest income	$726,000	4,098
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$557,000	2,601
Trading account gains and fees	$0	177
Additional Noninterest Income	$169,000	5,279
Total noninterest expense	$2,768,000	4,614
Salaries and employee benefits	$1,525,000	4,457
Premises and equipment expense	$534,000	3,687
Additional noninterest expense	$709,000	5,241
Pre-tax net operating income	$2,310,000	2,840
Securities gains (losses)	$0	4,612
Applicable income taxes	$766,000	2,514
Income before extraordinary items	$1,544,000	3,156
Extraordinary gains, net	$0	105
Net income	$1,544,000	3,160
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	4,575
Cash dividends	$650,000	2,984
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,544,000	3,059
2000-12-31 (YTD Data)		Rank
Total interest income	$8,002,000	4,127
Total interest expense	$3,803,000	4,146
Net interest income	$4,199,000	4,016
Provision for loan and lease losses	$79,000	5,801
Total noninterest income	$784,000	3,704
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$541,000	2,505
Trading account gains and fees	NA	NA
Additional Noninterest Income	$243,000	4,353
Total noninterest expense	$2,577,000	4,754
Salaries and employee benefits	$1,411,000	4,585
Premises and equipment expense	$425,000	4,312
Additional noninterest expense	$741,000	4,984
Pre-tax net operating income	$2,327,000	2,944
Securities gains (losses)	$7,000	1,253
Applicable income taxes	$763,000	2,600
Income before extraordinary items	$1,571,000	3,138
Extraordinary gains, net	$0	38
Net income	$1,571,000	3,136
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	5,671
Cash dividends	$750,000	2,772
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,566,310	3,141
1999-12-31 (YTD Data)		Rank
Total interest income	$6,701,000	4,571
Total interest expense	$2,998,000	4,611
Net interest income	$3,703,000	4,458
Provision for loan and lease losses	$60,000	6,124
Total noninterest income	$588,000	4,479
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$425,000	3,057
Trading account gains and fees	NA	NA
Additional Noninterest Income	$163,000	5,408
Total noninterest expense	$2,234,000	5,279
Salaries and employee benefits	$1,180,000	5,224
Premises and equipment expense	$409,000	4,452
Additional noninterest expense	$645,000	5,544
Pre-tax net operating income	$1,997,000	3,349
Securities gains (losses)	$26,000	1,258
Applicable income taxes	$624,000	3,138
Income before extraordinary items	$1,399,000	3,423
Extraordinary gains, net	$0	35
Net income	$1,399,000	3,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	6,647
Cash dividends	$750,000	2,766
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,381,060	3,427
1998-12-31 (YTD Data)		Rank
Total interest income	$6,545,000	4,654
Total interest expense	$2,940,000	4,810
Net interest income	$3,605,000	4,475
Provision for loan and lease losses	$60,000	6,123
Total noninterest income	$446,000	5,283
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$359,000	3,434
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	6,959
Total noninterest expense	$2,156,000	5,299
Salaries and employee benefits	$1,151,000	5,234
Premises and equipment expense	$371,000	4,697
Additional noninterest expense	$634,000	5,532
Pre-tax net operating income	$1,835,000	3,578
Securities gains (losses)	$32,000	2,083
Applicable income taxes	$565,000	3,555
Income before extraordinary items	$1,302,000	3,690
Extraordinary gains, net	$0	32
Net income	$1,302,000	3,688
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,193
Cash dividends	$737,000	2,761
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,279,600	3,651
1997-12-31 (YTD Data)		Rank
Total interest income	$6,543,000	4,751
Total interest expense	$2,994,000	4,726
Net interest income	$3,549,000	4,681
Provision for loan and lease losses	$60,000	6,153
Total noninterest income	$439,000	5,411
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$218,000	5,067
Trading account gains and fees	NA	NA
Additional Noninterest Income	$221,000	4,719
Total noninterest expense	$2,166,000	5,341
Salaries and employee benefits	$1,192,000	5,125
Premises and equipment expense	$342,000	4,983
Additional noninterest expense	$632,000	5,609
Pre-tax net operating income	$1,762,000	3,925
Securities gains (losses)	$6,000	2,665
Applicable income taxes	$528,000	4,051
Income before extraordinary items	$1,240,000	3,941
Extraordinary gains, net	$0	44
Net income	$1,240,000	3,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,353
Cash dividends	$506,000	3,430
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,235,800	3,885
1996-12-31 (YTD Data)		Rank
Total interest income	$6,443,000	4,903
Total interest expense	$3,051,000	4,717
Net interest income	$3,392,000	4,961
Provision for loan and lease losses	$60,000	6,086
Total noninterest income	$367,000	6,236
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$189,000	5,756
Trading account gains and fees	NA	NA
Additional Noninterest Income	$178,000	5,501
Total noninterest expense	$2,103,000	5,733
Salaries and employee benefits	$1,168,000	5,330
Premises and equipment expense	$245,000	6,318
Additional noninterest expense	$690,000	5,800
Pre-tax net operating income	$1,596,000	4,126
Securities gains (losses)	$11,000	2,431
Applicable income taxes	$481,000	4,269
Income before extraordinary items	$1,126,000	4,084
Extraordinary gains, net	$0	53
Net income	$1,126,000	4,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,926
Cash dividends	$200,000	5,388
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,118,300	4,054
1995-12-31 (YTD Data)		Rank
Total interest income	$6,138,000	5,105
Total interest expense	$2,841,000	5,012
Net interest income	$3,297,000	5,107
Provision for loan and lease losses	$60,000	5,704
Total noninterest income	$357,000	6,395
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$174,000	6,184
Trading account gains and fees	NA	NA
Additional Noninterest Income	$183,000	5,373
Total noninterest expense	$2,062,000	5,844
Salaries and employee benefits	$1,093,000	5,627
Premises and equipment expense	$243,000	6,462
Additional noninterest expense	$726,000	5,683
Pre-tax net operating income	$1,532,000	4,378
Securities gains (losses)	$11,000	2,318
Applicable income taxes	$441,000	4,588
Income before extraordinary items	$1,102,000	4,241
Extraordinary gains, net	$0	65
Net income	$1,102,000	4,238
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	10,662
Cash dividends	$531,000	3,189
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,094,190	4,258
1994-12-31 (YTD Data)		Rank
Total interest income	$5,397,000	5,325
Total interest expense	$2,085,000	5,431
Net interest income	$3,312,000	5,185
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$315,000	7,052
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$154,000	6,797
Trading account gains and fees	NA	NA
Additional Noninterest Income	$161,000	5,988
Total noninterest expense	$2,043,000	6,093
Salaries and employee benefits	$1,024,000	5,977
Premises and equipment expense	$252,000	6,490
Additional noninterest expense	$767,000	5,896
Pre-tax net operating income	$1,524,000	4,361
Securities gains (losses)	$3,000	2,889
Applicable income taxes	$421,000	4,580
Income before extraordinary items	$1,106,000	4,156
Extraordinary gains, net	$0	249
Net income	$1,106,000	4,159
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,198
Cash dividends	$162,000	5,906
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,103,840	4,209
1993-12-31 (YTD Data)		Rank
Total interest income	$5,264,000	5,528
Total interest expense	$2,160,000	5,472
Net interest income	$3,104,000	5,507
Provision for loan and lease losses	$60,000	6,949
Total noninterest income	$319,000	7,384
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$162,000	6,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$157,000	6,409
Total noninterest expense	$1,888,000	6,654
Salaries and employee benefits	$972,000	6,298
Premises and equipment expense	$252,000	6,639
Additional noninterest expense	$664,000	6,833
Pre-tax net operating income	$1,475,000	4,391
Securities gains (losses)	$143,000	2,032
Applicable income taxes	$456,000	4,544
Income before extraordinary items	$1,162,000	4,138
Extraordinary gains, net	$-29,000	12,546
Net income	$1,133,000	4,343
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	8,388
Cash dividends	$200,000	5,372
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,059,040	4,234
1992-12-31 (YTD Data)		Rank
Total interest income	$5,247,000	6,144
Total interest expense	$2,538,000	5,918
Net interest income	$2,709,000	6,199
Provision for loan and lease losses	$55,000	8,828
Total noninterest income	$302,000	7,713
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$158,000	6,905
Trading account gains and fees	NA	NA
Additional Noninterest Income	$144,000	6,792
Total noninterest expense	$1,797,000	6,953
Salaries and employee benefits	$898,000	6,634
Premises and equipment expense	$238,000	7,007
Additional noninterest expense	$661,000	7,027
Pre-tax net operating income	$1,159,000	5,060
Securities gains (losses)	$46,000	4,268
Applicable income taxes	$322,000	5,667
Income before extraordinary items	$883,000	4,995
Extraordinary gains, net	$0	1,422
Net income	$883,000	5,044
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	6,766
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$849,420	4,817

* 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.