Home > The National Union Bank of Kinderhook > Income and Expense

The National Union Bank of Kinderhook, Income and Expense

2019-06-30 (YTD Data)		Rank
Total interest income	$13,143,000	1,203
Total interest expense	$2,380,000	1,277
Net interest income	$10,763,000	1,200
Provision for loan and lease losses	$233,000	1,442
Total noninterest income	$1,075,000	1,895
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$307,000	1,633
Trading account gains and fees	NA	NA
Additional Noninterest Income	$768,000	1,751
Total noninterest expense	$8,321,000	1,253
Salaries and employee benefits	$4,447,000	1,323
Premises and equipment expense	$1,171,000	1,038
Additional noninterest expense	$2,703,000	1,179
Pre-tax net operating income	$3,284,000	1,441
Securities gains (losses)	$49,000	753
Applicable income taxes	$843,000	1,011
Income before extraordinary items	$2,490,000	1,612
Extraordinary gains, net	$0	11
Net income	$2,490,000	1,613
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,490,000	1,613
Net charge-offs	$466,000	600
Cash dividends	$1,403,000	1,147
Sale, conversion, retirement of capital stock, net	$18,000	513
Net operating income	$2,451,290	1,599
2019-03-31 (YTD Data)		Rank
Total interest income	$6,552,000	1,201
Total interest expense	$1,125,000	1,306
Net interest income	$5,427,000	1,186
Provision for loan and lease losses	$233,000	839
Total noninterest income	$544,000	1,842
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$155,000	1,632
Trading account gains and fees	NA	NA
Additional Noninterest Income	$389,000	1,691
Total noninterest expense	$4,488,000	1,178
Salaries and employee benefits	$2,447,000	1,232
Premises and equipment expense	$601,000	1,022
Additional noninterest expense	$1,440,000	1,109
Pre-tax net operating income	$1,250,000	1,756
Securities gains (losses)	$0	1,087
Applicable income taxes	$379,000	1,085
Income before extraordinary items	$871,000	2,071
Extraordinary gains, net	$0	5
Net income	$871,000	2,070
Minority interest net income	$0	52
Net income of bank and minority interests.	$871,000	2,070
Net charge-offs	$453,000	357
Cash dividends	$529,000	1,287
Sale, conversion, retirement of capital stock, net	$8,000	478
Net operating income	$871,000	2,052
2018-12-31 (YTD Data)		Rank
Total interest income	$25,932,000	1,143
Total interest expense	$3,357,000	1,307
Net interest income	$22,575,000	1,127
Provision for loan and lease losses	$502,000	1,440
Total noninterest income	$2,695,000	1,660
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$649,000	1,626
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,046,000	1,474
Total noninterest expense	$16,594,000	1,232
Salaries and employee benefits	$9,409,000	1,224
Premises and equipment expense	$2,461,000	989
Additional noninterest expense	$4,724,000	1,309
Pre-tax net operating income	$8,174,000	1,209
Securities gains (losses)	$-169,000	5,126
Applicable income taxes	$1,937,000	892
Income before extraordinary items	$6,068,000	1,348
Extraordinary gains, net	$0	6
Net income	$6,068,000	1,346
Minority interest net income	$0	72
Net income of bank and minority interests.	$6,068,000	1,347
Net charge-offs	$294,000	1,349
Cash dividends	$2,041,000	1,432
Sale, conversion, retirement of capital stock, net	$35,000	575
Net operating income	$6,201,510	1,320
2018-09-30 (YTD Data)		Rank
Total interest income	$19,055,000	1,148
Total interest expense	$2,363,000	1,302
Net interest income	$16,692,000	1,130
Provision for loan and lease losses	$395,000	1,344
Total noninterest income	$2,098,000	1,635
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$483,000	1,646
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,615,000	1,451
Total noninterest expense	$12,563,000	1,226
Salaries and employee benefits	$7,076,000	1,222
Premises and equipment expense	$1,815,000	1,000
Additional noninterest expense	$3,672,000	1,266
Pre-tax net operating income	$5,832,000	1,253
Securities gains (losses)	$-169,000	5,310
Applicable income taxes	$1,441,000	919
Income before extraordinary items	$4,222,000	1,440
Extraordinary gains, net	$0	5
Net income	$4,222,000	1,439
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,222,000	1,439
Net charge-offs	$293,000	1,009
Cash dividends	$1,512,000	1,282
Sale, conversion, retirement of capital stock, net	$26,000	542
Net operating income	$4,355,510	1,381
2018-06-30 (YTD Data)		Rank
Total interest income	$12,592,000	1,147
Total interest expense	$1,489,000	1,293
Net interest income	$11,103,000	1,127
Provision for loan and lease losses	$216,000	1,445
Total noninterest income	$1,497,000	1,568
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$313,000	1,681
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,184,000	1,370
Total noninterest expense	$8,355,000	1,229
Salaries and employee benefits	$4,669,000	1,239
Premises and equipment expense	$1,213,000	997
Additional noninterest expense	$2,473,000	1,254
Pre-tax net operating income	$4,029,000	1,213
Securities gains (losses)	$-169,000	5,407
Applicable income taxes	$976,000	891
Income before extraordinary items	$2,884,000	1,392
Extraordinary gains, net	$0	6
Net income	$2,884,000	1,391
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,884,000	1,391
Net charge-offs	$187,000	977
Cash dividends	$995,000	1,337
Sale, conversion, retirement of capital stock, net	$17,000	534
Net operating income	$3,017,510	1,347
2018-03-31 (YTD Data)		Rank
Total interest income	$6,240,000	1,153
Total interest expense	$689,000	1,329
Net interest income	$5,551,000	1,130
Provision for loan and lease losses	$150,000	1,106
Total noninterest income	$890,000	1,377
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$155,000	1,700
Trading account gains and fees	NA	NA
Additional Noninterest Income	$735,000	1,158
Total noninterest expense	$4,316,000	1,196
Salaries and employee benefits	$2,505,000	1,176
Premises and equipment expense	$636,000	975
Additional noninterest expense	$1,175,000	1,309
Pre-tax net operating income	$1,975,000	1,201
Securities gains (losses)	$-74,000	5,444
Applicable income taxes	$476,000	901
Income before extraordinary items	$1,425,000	1,382
Extraordinary gains, net	$0	7
Net income	$1,425,000	1,382
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,425,000	1,382
Net charge-offs	$124,000	755
Cash dividends	$479,000	1,241
Sale, conversion, retirement of capital stock, net	$9,000	493
Net operating income	$1,483,460	1,324
2017-12-31 (YTD Data)		Rank
Total interest income	$18,523,000	1,449
Total interest expense	$2,065,000	1,502
Net interest income	$16,458,000	1,420
Provision for loan and lease losses	$341,000	1,853
Total noninterest income	$1,872,000	2,118
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$458,000	2,176
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,414,000	1,884
Total noninterest expense	$13,912,000	1,444
Salaries and employee benefits	$7,705,000	1,451
Premises and equipment expense	$2,043,000	1,151
Additional noninterest expense	$4,164,000	1,463
Pre-tax net operating income	$4,077,000	2,016
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,802,000	1,367
Income before extraordinary items	$2,275,000	2,476
Extraordinary gains, net	$0	9
Net income	$2,275,000	2,476
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,275,000	2,476
Net charge-offs	$4,000	3,892
Cash dividends	$1,472,000	1,745
Sale, conversion, retirement of capital stock, net	$16,755,000	41
Net operating income	$2,275,000	2,458
2017-09-30 (YTD Data)		Rank
Total interest income	$13,092,000	1,525
Total interest expense	$1,469,000	1,539
Net interest income	$11,623,000	1,510
Provision for loan and lease losses	$180,000	2,116
Total noninterest income	$1,354,000	2,183
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$329,000	2,256
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,025,000	1,951
Total noninterest expense	$9,896,000	1,515
Salaries and employee benefits	$5,532,000	1,505
Premises and equipment expense	$1,493,000	1,187
Additional noninterest expense	$2,871,000	1,569
Pre-tax net operating income	$2,901,000	2,123
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,075,000	1,408
Income before extraordinary items	$1,826,000	2,549
Extraordinary gains, net	$0	9
Net income	$1,826,000	2,549
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,826,000	2,549
Net charge-offs	$2,000	3,621
Cash dividends	$1,104,000	1,592
Sale, conversion, retirement of capital stock, net	$9,000	633
Net operating income	$1,826,000	2,540
2017-06-30 (YTD Data)		Rank
Total interest income	$8,625,000	1,528
Total interest expense	$984,000	1,503
Net interest income	$7,641,000	1,516
Provision for loan and lease losses	$120,000	2,050
Total noninterest income	$911,000	2,175
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$221,000	2,232
Trading account gains and fees	NA	NA
Additional Noninterest Income	$690,000	1,945
Total noninterest expense	$6,416,000	1,543
Salaries and employee benefits	$3,622,000	1,538
Premises and equipment expense	$914,000	1,290
Additional noninterest expense	$1,880,000	1,585
Pre-tax net operating income	$2,016,000	2,016
Securities gains (losses)	$0	1,906
Applicable income taxes	$747,000	1,333
Income before extraordinary items	$1,269,000	2,427
Extraordinary gains, net	$0	11
Net income	$1,269,000	2,427
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,269,000	2,427
Net charge-offs	$0	3,512
Cash dividends	$736,000	1,601
Sale, conversion, retirement of capital stock, net	$6,000	619
Net operating income	$1,269,000	2,405
2017-03-31 (YTD Data)		Rank
Total interest income	$4,269,000	1,526
Total interest expense	$495,000	1,475
Net interest income	$3,774,000	1,525
Provision for loan and lease losses	$9,000	3,208
Total noninterest income	$455,000	2,164
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$107,000	2,284
Trading account gains and fees	$0	142
Additional Noninterest Income	$348,000	1,903
Total noninterest expense	$3,341,000	1,504
Salaries and employee benefits	$1,901,000	1,494
Premises and equipment expense	$453,000	1,303
Additional noninterest expense	$987,000	1,524
Pre-tax net operating income	$879,000	2,135
Securities gains (losses)	$0	1,153
Applicable income taxes	$376,000	1,300
Income before extraordinary items	$503,000	2,744
Extraordinary gains, net	$0	8
Net income	$503,000	2,744
Minority interest net income	$0	55
Net income of bank and minority interests.	$503,000	2,744
Net charge-offs	$-1,000	3,990
Cash dividends	$368,000	1,469
Sale, conversion, retirement of capital stock, net	$3,000	587
Net operating income	$503,000	2,728
2016-12-31 (YTD Data)		Rank
Total interest income	$17,089,000	1,492
Total interest expense	$2,062,000	1,386
Net interest income	$15,027,000	1,493
Provision for loan and lease losses	$520,000	1,432
Total noninterest income	$2,284,000	1,950
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$402,000	2,462
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,882,000	1,651
Total noninterest expense	$11,738,000	1,654
Salaries and employee benefits	$6,681,000	1,626
Premises and equipment expense	$1,798,000	1,296
Additional noninterest expense	$3,259,000	1,832
Pre-tax net operating income	$5,053,000	1,615
Securities gains (losses)	$0	3,212
Applicable income taxes	$1,507,000	1,258
Income before extraordinary items	$3,546,000	1,821
Extraordinary gains, net	$0	5
Net income	$3,546,000	1,820
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,546,000	1,820
Net charge-offs	$-116,000	5,557
Cash dividends	$1,444,000	1,744
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,546,000	1,786
2016-09-30 (YTD Data)		Rank
Total interest income	$12,661,000	1,505
Total interest expense	$1,531,000	1,390
Net interest income	$11,130,000	1,505
Provision for loan and lease losses	$390,000	1,375
Total noninterest income	$1,806,000	1,898
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$293,000	2,503
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,513,000	1,584
Total noninterest expense	$8,816,000	1,644
Salaries and employee benefits	$5,126,000	1,580
Premises and equipment expense	$1,341,000	1,303
Additional noninterest expense	$2,349,000	1,899
Pre-tax net operating income	$3,730,000	1,644
Securities gains (losses)	$0	3,160
Applicable income taxes	$1,205,000	1,255
Income before extraordinary items	$2,525,000	1,932
Extraordinary gains, net	$0	5
Net income	$2,525,000	1,932
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,525,000	1,932
Net charge-offs	$-90,000	5,551
Cash dividends	$1,077,000	1,586
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,525,000	1,872
2016-06-30 (YTD Data)		Rank
Total interest income	$8,514,000	1,499
Total interest expense	$1,024,000	1,389
Net interest income	$7,490,000	1,500
Provision for loan and lease losses	$363,000	1,091
Total noninterest income	$1,227,000	1,869
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$191,000	2,510
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,036,000	1,511
Total noninterest expense	$5,685,000	1,701
Salaries and employee benefits	$3,277,000	1,656
Premises and equipment expense	$901,000	1,300
Additional noninterest expense	$1,507,000	1,961
Pre-tax net operating income	$2,669,000	1,548
Securities gains (losses)	$0	2,835
Applicable income taxes	$871,000	1,193
Income before extraordinary items	$1,798,000	1,820
Extraordinary gains, net	$0	16
Net income	$1,798,000	1,819
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,798,000	1,819
Net charge-offs	$9,000	3,132
Cash dividends	$717,000	1,609
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,798,000	1,764
2016-03-31 (YTD Data)		Rank
Total interest income	$4,310,000	1,474
Total interest expense	$509,000	1,398
Net interest income	$3,801,000	1,480
Provision for loan and lease losses	$225,000	871
Total noninterest income	$524,000	2,014
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$87,000	2,655
Trading account gains and fees	$0	142
Additional Noninterest Income	$437,000	1,654
Total noninterest expense	$2,694,000	1,781
Salaries and employee benefits	$1,523,000	1,767
Premises and equipment expense	$443,000	1,322
Additional noninterest expense	$728,000	2,008
Pre-tax net operating income	$1,406,000	1,462
Securities gains (losses)	$0	2,077
Applicable income taxes	$464,000	1,113
Income before extraordinary items	$942,000	1,712
Extraordinary gains, net	$0	12
Net income	$942,000	1,713
Minority interest net income	$0	62
Net income of bank and minority interests.	$942,000	1,713
Net charge-offs	$6,000	2,526
Cash dividends	$359,000	1,463
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$942,000	1,672
2015-12-31 (YTD Data)		Rank
Total interest income	$15,021,000	1,660
Total interest expense	$1,683,000	1,608
Net interest income	$13,338,000	1,645
Provision for loan and lease losses	$844,000	937
Total noninterest income	$1,857,000	2,207
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$380,000	2,597
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,477,000	1,874
Total noninterest expense	$11,170,000	1,699
Salaries and employee benefits	$6,505,000	1,618
Premises and equipment expense	$1,580,000	1,463
Additional noninterest expense	$3,085,000	1,958
Pre-tax net operating income	$3,181,000	2,233
Securities gains (losses)	$103,000	1,153
Applicable income taxes	$927,000	1,654
Income before extraordinary items	$2,357,000	2,436
Extraordinary gains, net	$0	23
Net income	$2,357,000	2,437
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,357,000	2,438
Net charge-offs	$547,000	1,092
Cash dividends	$1,413,000	1,717
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,282,840	2,444
2015-09-30 (YTD Data)		Rank
Total interest income	$11,030,000	1,692
Total interest expense	$1,193,000	1,713
Net interest income	$9,837,000	1,684
Provision for loan and lease losses	$406,000	1,218
Total noninterest income	$1,136,000	2,488
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$291,000	2,579
Trading account gains and fees	$0	153
Additional Noninterest Income	$845,000	2,238
Total noninterest expense	$8,148,000	1,755
Salaries and employee benefits	$4,777,000	1,656
Premises and equipment expense	$1,183,000	1,474
Additional noninterest expense	$2,188,000	2,043
Pre-tax net operating income	$2,419,000	2,242
Securities gains (losses)	$103,000	1,018
Applicable income taxes	$764,000	1,631
Income before extraordinary items	$1,758,000	2,485
Extraordinary gains, net	$0	21
Net income	$1,758,000	2,486
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,758,000	2,486
Net charge-offs	$220,000	1,463
Cash dividends	$1,054,000	1,551
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,685,900	2,517
2015-06-30 (YTD Data)		Rank
Total interest income	$7,167,000	1,744
Total interest expense	$749,000	1,796
Net interest income	$6,418,000	1,720
Provision for loan and lease losses	$210,000	1,436
Total noninterest income	$814,000	2,401
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$193,000	2,558
Trading account gains and fees	$0	157
Additional Noninterest Income	$621,000	2,122
Total noninterest expense	$5,548,000	1,727
Salaries and employee benefits	$3,266,000	1,628
Premises and equipment expense	$781,000	1,499
Additional noninterest expense	$1,501,000	1,999
Pre-tax net operating income	$1,474,000	2,365
Securities gains (losses)	$103,000	833
Applicable income taxes	$478,000	1,674
Income before extraordinary items	$1,099,000	2,586
Extraordinary gains, net	$0	22
Net income	$1,099,000	2,588
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,099,000	2,588
Net charge-offs	$38,000	2,539
Cash dividends	$703,000	1,580
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,026,900	2,655
2015-03-31 (YTD Data)		Rank
Total interest income	$3,514,000	1,776
Total interest expense	$362,000	1,855
Net interest income	$3,152,000	1,740
Provision for loan and lease losses	$160,000	1,026
Total noninterest income	$393,000	2,419
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$99,000	2,487
Trading account gains and fees	$0	152
Additional Noninterest Income	$294,000	2,155
Total noninterest expense	$2,565,000	1,858
Salaries and employee benefits	$1,530,000	1,740
Premises and equipment expense	$387,000	1,536
Additional noninterest expense	$648,000	2,258
Pre-tax net operating income	$820,000	2,171
Securities gains (losses)	$54,000	813
Applicable income taxes	$275,000	1,532
Income before extraordinary items	$599,000	2,395
Extraordinary gains, net	$0	13
Net income	$599,000	2,397
Minority interest net income	$0	64
Net income of bank and minority interests.	$599,000	2,397
Net charge-offs	$0	3,288
Cash dividends	$351,000	1,406
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$561,740	2,436
2014-12-31 (YTD Data)		Rank
Total interest income	$13,321,000	1,879
Total interest expense	$1,392,000	2,014
Net interest income	$11,929,000	1,842
Provision for loan and lease losses	$628,000	1,227
Total noninterest income	$1,868,000	2,214
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$420,000	2,595
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,448,000	1,810
Total noninterest expense	$9,784,000	1,933
Salaries and employee benefits	$5,565,000	1,854
Premises and equipment expense	$1,299,000	1,782
Additional noninterest expense	$2,920,000	2,081
Pre-tax net operating income	$3,385,000	2,084
Securities gains (losses)	$10,000	2,652
Applicable income taxes	$998,000	1,536
Income before extraordinary items	$2,397,000	2,384
Extraordinary gains, net	$0	17
Net income	$2,397,000	2,384
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,397,000	2,384
Net charge-offs	$607,000	1,287
Cash dividends	$1,214,000	1,785
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,389,900	2,345
2014-09-30 (YTD Data)		Rank
Total interest income	$9,771,000	1,923
Total interest expense	$1,021,000	2,087
Net interest income	$8,750,000	1,881
Provision for loan and lease losses	$450,000	1,237
Total noninterest income	$1,413,000	2,193
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$314,000	2,624
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,099,000	1,825
Total noninterest expense	$7,101,000	2,006
Salaries and employee benefits	$4,088,000	1,894
Premises and equipment expense	$933,000	1,870
Additional noninterest expense	$2,080,000	2,168
Pre-tax net operating income	$2,612,000	2,074
Securities gains (losses)	$0	2,980
Applicable income taxes	$833,000	1,472
Income before extraordinary items	$1,779,000	2,414
Extraordinary gains, net	$0	15
Net income	$1,779,000	2,415
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,779,000	2,414
Net charge-offs	$599,000	1,008
Cash dividends	$863,000	1,666
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,779,000	2,370
2014-06-30 (YTD Data)		Rank
Total interest income	$6,365,000	1,953
Total interest expense	$669,000	2,134
Net interest income	$5,696,000	1,905
Provision for loan and lease losses	$277,000	1,366
Total noninterest income	$1,017,000	2,074
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$209,000	2,603
Trading account gains and fees	$0	172
Additional Noninterest Income	$808,000	1,688
Total noninterest expense	$4,732,000	2,006
Salaries and employee benefits	$2,796,000	1,846
Premises and equipment expense	$618,000	1,892
Additional noninterest expense	$1,318,000	2,262
Pre-tax net operating income	$1,704,000	2,053
Securities gains (losses)	$0	2,580
Applicable income taxes	$547,000	1,457
Income before extraordinary items	$1,157,000	2,399
Extraordinary gains, net	$0	20
Net income	$1,157,000	2,402
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,157,000	2,402
Net charge-offs	$26,000	3,261
Cash dividends	$519,000	1,767
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,157,000	2,349
2014-03-31 (YTD Data)		Rank
Total interest income	$3,220,000	1,927
Total interest expense	$324,000	2,217
Net interest income	$2,896,000	1,876
Provision for loan and lease losses	$107,000	1,524
Total noninterest income	$626,000	1,742
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$110,000	2,476
Trading account gains and fees	$0	147
Additional Noninterest Income	$516,000	1,387
Total noninterest expense	$2,322,000	2,040
Salaries and employee benefits	$1,320,000	1,964
Premises and equipment expense	$319,000	1,876
Additional noninterest expense	$683,000	2,196
Pre-tax net operating income	$1,093,000	1,636
Securities gains (losses)	$0	1,715
Applicable income taxes	$397,000	1,089
Income before extraordinary items	$696,000	2,016
Extraordinary gains, net	$0	16
Net income	$696,000	2,019
Minority interest net income	$0	66
Net income of bank and minority interests.	$696,000	2,019
Net charge-offs	$-1,000	4,711
Cash dividends	$260,000	1,550
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$696,000	1,979
2013-12-31 (YTD Data)		Rank
Total interest income	$12,384,000	2,003
Total interest expense	$1,284,000	2,439
Net interest income	$11,100,000	1,916
Provision for loan and lease losses	$594,000	1,668
Total noninterest income	$1,728,000	2,361
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$449,000	2,585
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,279,000	2,048
Total noninterest expense	$8,538,000	2,207
Salaries and employee benefits	$5,029,000	2,029
Premises and equipment expense	$1,165,000	1,969
Additional noninterest expense	$2,344,000	2,607
Pre-tax net operating income	$3,696,000	1,829
Securities gains (losses)	$6,000	2,766
Applicable income taxes	$1,121,000	1,368
Income before extraordinary items	$2,581,000	2,148
Extraordinary gains, net	$0	29
Net income	$2,581,000	2,152
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,581,000	2,152
Net charge-offs	$115,000	3,607
Cash dividends	$1,015,000	1,903
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,576,800	2,098
2013-09-30 (YTD Data)		Rank
Total interest income	$9,106,000	2,040
Total interest expense	$952,000	2,532
Net interest income	$8,154,000	1,949
Provision for loan and lease losses	$284,000	2,147
Total noninterest income	$1,303,000	2,399
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$332,000	2,637
Trading account gains and fees	$0	180
Additional Noninterest Income	$971,000	2,083
Total noninterest expense	$6,146,000	2,301
Salaries and employee benefits	$3,528,000	2,164
Premises and equipment expense	$879,000	1,966
Additional noninterest expense	$1,739,000	2,633
Pre-tax net operating income	$3,027,000	1,727
Securities gains (losses)	$6,000	2,632
Applicable income taxes	$976,000	1,275
Income before extraordinary items	$2,057,000	2,080
Extraordinary gains, net	$0	25
Net income	$2,057,000	2,088
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,057,000	2,087
Net charge-offs	$15,000	4,543
Cash dividends	$756,000	1,713
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,052,920	2,019
2013-06-30 (YTD Data)		Rank
Total interest income	$5,966,000	2,068
Total interest expense	$628,000	2,608
Net interest income	$5,338,000	1,973
Provision for loan and lease losses	$125,000	2,665
Total noninterest income	$801,000	2,553
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$217,000	2,636
Trading account gains and fees	$0	157
Additional Noninterest Income	$584,000	2,271
Total noninterest expense	$4,217,000	2,249
Salaries and employee benefits	$2,440,000	2,103
Premises and equipment expense	$598,000	1,931
Additional noninterest expense	$1,179,000	2,581
Pre-tax net operating income	$1,797,000	1,891
Securities gains (losses)	$6,000	2,420
Applicable income taxes	$575,000	1,390
Income before extraordinary items	$1,228,000	2,264
Extraordinary gains, net	$0	22
Net income	$1,228,000	2,273
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,228,000	2,271
Net charge-offs	$17,000	4,090
Cash dividends	$504,000	1,681
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,223,920	2,183
2013-03-31 (YTD Data)		Rank
Total interest income	$2,956,000	2,104
Total interest expense	$318,000	2,658
Net interest income	$2,638,000	2,004
Provision for loan and lease losses	$16,000	3,706
Total noninterest income	$349,000	2,766
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$103,000	2,736
Trading account gains and fees	$0	148
Additional Noninterest Income	$246,000	2,492
Total noninterest expense	$2,056,000	2,311
Salaries and employee benefits	$1,145,000	2,249
Premises and equipment expense	$312,000	1,896
Additional noninterest expense	$599,000	2,557
Pre-tax net operating income	$915,000	1,849
Securities gains (losses)	$5,000	1,643
Applicable income taxes	$306,000	1,304
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	$23,000	2,983
Cash dividends	$252,000	1,452
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$610,650	2,149
2012-12-31 (YTD Data)		Rank
Total interest income	$11,918,000	2,197
Total interest expense	$1,592,000	2,597
Net interest income	$10,326,000	2,085
Provision for loan and lease losses	$277,000	3,511
Total noninterest income	$1,882,000	2,279
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$421,000	2,825
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,461,000	1,880
Total noninterest expense	$8,350,000	2,256
Salaries and employee benefits	$4,717,000	2,118
Premises and equipment expense	$1,204,000	1,933
Additional noninterest expense	$2,429,000	2,626
Pre-tax net operating income	$3,581,000	1,785
Securities gains (losses)	$0	3,810
Applicable income taxes	$1,128,000	1,352
Income before extraordinary items	$2,453,000	2,214
Extraordinary gains, net	$0	29
Net income	$2,453,000	2,213
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,453,000	2,215
Net charge-offs	$1,000	5,927
Cash dividends	$970,000	2,004
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,453,000	2,084
2012-09-30 (YTD Data)		Rank
Total interest income	$8,835,000	2,262
Total interest expense	$1,220,000	2,650
Net interest income	$7,615,000	2,159
Provision for loan and lease losses	$240,000	3,256
Total noninterest income	$1,399,000	2,284
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$308,000	2,913
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,091,000	1,884
Total noninterest expense	$6,010,000	2,358
Salaries and employee benefits	$3,398,000	2,195
Premises and equipment expense	$889,000	1,983
Additional noninterest expense	$1,723,000	2,774
Pre-tax net operating income	$2,764,000	1,801
Securities gains (losses)	$0	3,575
Applicable income taxes	$889,000	1,347
Income before extraordinary items	$1,875,000	2,235
Extraordinary gains, net	$0	20
Net income	$1,875,000	2,235
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,875,000	2,235
Net charge-offs	$-3,000	6,397
Cash dividends	$718,000	1,649
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,875,000	2,106
2012-06-30 (YTD Data)		Rank
Total interest income	$5,857,000	2,295
Total interest expense	$812,000	2,739
Net interest income	$5,045,000	2,163
Provision for loan and lease losses	$141,000	3,463
Total noninterest income	$761,000	2,559
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$222,000	2,736
Trading account gains and fees	$0	153
Additional Noninterest Income	$539,000	2,240
Total noninterest expense	$4,076,000	2,330
Salaries and employee benefits	$2,335,000	2,130
Premises and equipment expense	$600,000	1,966
Additional noninterest expense	$1,141,000	2,806
Pre-tax net operating income	$1,589,000	2,041
Securities gains (losses)	$0	3,178
Applicable income taxes	$499,000	1,493
Income before extraordinary items	$1,090,000	2,451
Extraordinary gains, net	$0	19
Net income	$1,090,000	2,451
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,090,000	2,451
Net charge-offs	$-3,000	6,365
Cash dividends	$478,000	1,657
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,090,000	2,320
2012-03-31 (YTD Data)		Rank
Total interest income	$2,921,000	2,327
Total interest expense	$395,000	2,888
Net interest income	$2,526,000	2,174
Provision for loan and lease losses	$130,000	2,563
Total noninterest income	$346,000	2,696
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$108,000	2,754
Trading account gains and fees	$0	148
Additional Noninterest Income	$238,000	2,407
Total noninterest expense	$1,942,000	2,434
Salaries and employee benefits	$1,080,000	2,313
Premises and equipment expense	$306,000	1,945
Additional noninterest expense	$556,000	2,835
Pre-tax net operating income	$800,000	2,029
Securities gains (losses)	$0	2,210
Applicable income taxes	$259,000	1,448
Income before extraordinary items	$541,000	2,448
Extraordinary gains, net	$0	19
Net income	$541,000	2,449
Minority interest net income	$0	78
Net income of bank and minority interests.	$541,000	2,451
Net charge-offs	$-1,000	5,761
Cash dividends	$240,000	1,459
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$541,000	2,327
2011-12-31 (YTD Data)		Rank
Total interest income	$11,118,000	2,513
Total interest expense	$1,593,000	3,295
Net interest income	$9,525,000	2,290
Provision for loan and lease losses	$475,000	3,530
Total noninterest income	$1,628,000	2,323
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$386,000	3,103
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,242,000	1,857
Total noninterest expense	$7,681,000	2,464
Salaries and employee benefits	$4,429,000	2,185
Premises and equipment expense	$1,054,000	2,310
Additional noninterest expense	$2,198,000	2,864
Pre-tax net operating income	$2,997,000	1,835
Securities gains (losses)	$108,000	1,999
Applicable income taxes	$828,000	1,522
Income before extraordinary items	$2,277,000	2,035
Extraordinary gains, net	$0	29
Net income	$2,277,000	2,036
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,277,000	2,036
Net charge-offs	$-6,000	6,965
Cash dividends	$877,000	1,777
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,198,160	2,011
2011-09-30 (YTD Data)		Rank
Total interest income	$8,215,000	2,570
Total interest expense	$1,213,000	3,384
Net interest income	$7,002,000	2,349
Provision for loan and lease losses	$346,000	3,426
Total noninterest income	$1,256,000	2,266
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$319,000	2,905
Trading account gains and fees	$0	145
Additional Noninterest Income	$937,000	1,839
Total noninterest expense	$5,463,000	2,579
Salaries and employee benefits	$3,051,000	2,365
Premises and equipment expense	$766,000	2,394
Additional noninterest expense	$1,646,000	2,888
Pre-tax net operating income	$2,449,000	1,762
Securities gains (losses)	$107,000	1,724
Applicable income taxes	$722,000	1,394
Income before extraordinary items	$1,834,000	1,977
Extraordinary gains, net	$0	21
Net income	$1,834,000	1,977
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,834,000	1,977
Net charge-offs	$-32,000	7,187
Cash dividends	$638,000	1,564
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,756,960	1,937
2011-06-30 (YTD Data)		Rank
Total interest income	$5,391,000	2,629
Total interest expense	$819,000	3,449
Net interest income	$4,572,000	2,401
Provision for loan and lease losses	$248,000	3,269
Total noninterest income	$878,000	2,180
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$208,000	2,930
Trading account gains and fees	$0	153
Additional Noninterest Income	$670,000	1,758
Total noninterest expense	$3,512,000	2,682
Salaries and employee benefits	$1,908,000	2,527
Premises and equipment expense	$511,000	2,405
Additional noninterest expense	$1,093,000	2,961
Pre-tax net operating income	$1,690,000	1,685
Securities gains (losses)	$107,000	1,096
Applicable income taxes	$470,000	1,380
Income before extraordinary items	$1,327,000	1,791
Extraordinary gains, net	$0	15
Net income	$1,327,000	1,791
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,327,000	1,791
Net charge-offs	$-7,000	6,933
Cash dividends	$413,000	1,580
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,247,820	1,826
2011-03-31 (YTD Data)		Rank
Total interest income	$2,626,000	2,711
Total interest expense	$412,000	3,528
Net interest income	$2,214,000	2,485
Provision for loan and lease losses	$142,000	2,951
Total noninterest income	$291,000	2,882
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$100,000	2,979
Trading account gains and fees	$0	158
Additional Noninterest Income	$191,000	2,534
Total noninterest expense	$1,768,000	2,683
Salaries and employee benefits	$966,000	2,513
Premises and equipment expense	$268,000	2,338
Additional noninterest expense	$534,000	3,019
Pre-tax net operating income	$595,000	2,237
Securities gains (losses)	$0	1,772
Applicable income taxes	$165,000	1,700
Income before extraordinary items	$430,000	2,517
Extraordinary gains, net	$0	9
Net income	$430,000	2,516
Minority interest net income	$0	86
Net income of bank and minority interests.	$430,000	2,517
Net charge-offs	$-2,000	6,441
Cash dividends	$189,000	1,474
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$430,000	2,468
2010-12-31 (YTD Data)		Rank
Total interest income	$10,162,000	2,918
Total interest expense	$1,636,000	4,053
Net interest income	$8,526,000	2,572
Provision for loan and lease losses	$288,000	4,919
Total noninterest income	$1,227,000	2,882
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$481,000	2,714
Trading account gains and fees	$0	175
Additional Noninterest Income	$746,000	2,592
Total noninterest expense	$7,622,000	2,548
Salaries and employee benefits	$4,582,000	2,115
Premises and equipment expense	$979,000	2,520
Additional noninterest expense	$2,061,000	3,175
Pre-tax net operating income	$1,843,000	2,390
Securities gains (losses)	$0	3,793
Applicable income taxes	$348,000	2,229
Income before extraordinary items	$1,495,000	2,519
Extraordinary gains, net	$0	29
Net income	$1,495,000	2,516
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,495,000	2,521
Net charge-offs	$33,000	6,156
Cash dividends	$756,000	1,823
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,495,000	2,425
2010-09-30 (YTD Data)		Rank
Total interest income	$7,612,000	2,984
Total interest expense	$1,220,000	4,211
Net interest income	$6,392,000	2,598
Provision for loan and lease losses	$149,000	5,279
Total noninterest income	$924,000	2,886
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$368,000	2,743
Trading account gains and fees	$0	165
Additional Noninterest Income	$556,000	2,590
Total noninterest expense	$5,869,000	2,469
Salaries and employee benefits	$3,570,000	2,028
Premises and equipment expense	$734,000	2,561
Additional noninterest expense	$1,565,000	3,093
Pre-tax net operating income	$1,298,000	2,640
Securities gains (losses)	$0	3,651
Applicable income taxes	$277,000	2,224
Income before extraordinary items	$1,021,000	2,850
Extraordinary gains, net	$0	23
Net income	$1,021,000	2,843
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,021,000	2,849
Net charge-offs	$26,000	5,891
Cash dividends	$567,000	1,622
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,021,000	2,713
2010-06-30 (YTD Data)		Rank
Total interest income	$5,068,000	3,013
Total interest expense	$818,000	4,286
Net interest income	$4,250,000	2,607
Provision for loan and lease losses	$109,000	5,075
Total noninterest income	$645,000	2,723
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$257,000	2,664
Trading account gains and fees	$0	152
Additional Noninterest Income	$388,000	2,455
Total noninterest expense	$4,120,000	2,351
Salaries and employee benefits	$2,596,000	1,884
Premises and equipment expense	$495,000	2,561
Additional noninterest expense	$1,029,000	3,118
Pre-tax net operating income	$666,000	3,123
Securities gains (losses)	$0	3,184
Applicable income taxes	$123,000	2,603
Income before extraordinary items	$543,000	3,262
Extraordinary gains, net	$0	19
Net income	$543,000	3,258
Minority interest net income	$0	105
Net income of bank and minority interests.	$543,000	3,261
Net charge-offs	$18,000	5,558
Cash dividends	$378,000	1,668
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$543,000	3,150
2010-03-31 (YTD Data)		Rank
Total interest income	$2,558,000	3,051
Total interest expense	$410,000	4,414
Net interest income	$2,148,000	2,613
Provision for loan and lease losses	$62,000	4,555
Total noninterest income	$294,000	2,899
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$132,000	2,600
Trading account gains and fees	$0	175
Additional Noninterest Income	$162,000	2,714
Total noninterest expense	$1,628,000	2,924
Salaries and employee benefits	$873,000	2,803
Premises and equipment expense	$254,000	2,562
Additional noninterest expense	$501,000	3,181
Pre-tax net operating income	$752,000	1,711
Securities gains (losses)	$0	2,284
Applicable income taxes	$215,000	1,348
Income before extraordinary items	$537,000	2,019
Extraordinary gains, net	$0	16
Net income	$537,000	2,017
Minority interest net income	$0	91
Net income of bank and minority interests.	$537,000	2,019
Net charge-offs	$23,000	4,330
Cash dividends	$189,000	1,449
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$537,000	1,939
2009-12-31 (YTD Data)		Rank
Total interest income	$10,010,000	3,232
Total interest expense	$2,085,000	4,328
Net interest income	$7,925,000	2,758
Provision for loan and lease losses	$141,000	6,124
Total noninterest income	$1,133,000	3,097
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$500,000	2,884
Trading account gains and fees	$0	211
Additional Noninterest Income	$633,000	2,823
Total noninterest expense	$6,653,000	2,920
Salaries and employee benefits	$3,449,000	2,818
Premises and equipment expense	$985,000	2,610
Additional noninterest expense	$2,219,000	3,054
Pre-tax net operating income	$2,264,000	1,722
Securities gains (losses)	$0	3,754
Applicable income taxes	$521,000	1,518
Income before extraordinary items	$1,743,000	1,883
Extraordinary gains, net	$0	34
Net income	$1,743,000	1,880
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,743,000	1,882
Net charge-offs	$-45,000	7,954
Cash dividends	$756,000	2,018
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,743,000	1,840
2009-09-30 (YTD Data)		Rank
Total interest income	$7,482,000	3,293
Total interest expense	$1,639,000	4,351
Net interest income	$5,843,000	2,802
Provision for loan and lease losses	$69,000	6,335
Total noninterest income	$804,000	3,244
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$365,000	2,971
Trading account gains and fees	$0	212
Additional Noninterest Income	$439,000	3,031
Total noninterest expense	$5,009,000	2,913
Salaries and employee benefits	$2,588,000	2,849
Premises and equipment expense	$741,000	2,628
Additional noninterest expense	$1,680,000	2,998
Pre-tax net operating income	$1,569,000	1,975
Securities gains (losses)	$0	3,497
Applicable income taxes	$375,000	1,699
Income before extraordinary items	$1,194,000	2,187
Extraordinary gains, net	$0	27
Net income	$1,194,000	2,184
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,194,000	2,187
Net charge-offs	$-36,000	7,991
Cash dividends	$567,000	1,868
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,194,000	2,141
2009-06-30 (YTD Data)		Rank
Total interest income	$4,995,000	3,313
Total interest expense	$1,154,000	4,339
Net interest income	$3,841,000	2,824
Provision for loan and lease losses	$18,000	6,728
Total noninterest income	$521,000	3,327
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$220,000	3,131
Trading account gains and fees	$0	193
Additional Noninterest Income	$301,000	2,995
Total noninterest expense	$3,288,000	2,976
Salaries and employee benefits	$1,689,000	2,943
Premises and equipment expense	$499,000	2,643
Additional noninterest expense	$1,100,000	3,055
Pre-tax net operating income	$1,056,000	2,019
Securities gains (losses)	$0	3,136
Applicable income taxes	$259,000	1,695
Income before extraordinary items	$797,000	2,235
Extraordinary gains, net	$0	21
Net income	$797,000	2,232
Minority interest net income	$0	112
Net income of bank and minority interests.	$797,000	2,234
Net charge-offs	$-38,000	8,073
Cash dividends	$378,000	1,956
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$797,000	2,180
2009-03-31 (YTD Data)		Rank
Total interest income	$2,506,000	3,341
Total interest expense	$633,000	4,223
Net interest income	$1,873,000	2,873
Provision for loan and lease losses	$14,000	6,198
Total noninterest income	$254,000	3,345
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$111,000	3,071
Trading account gains and fees	$0	171
Additional Noninterest Income	$143,000	3,046
Total noninterest expense	$1,689,000	2,831
Salaries and employee benefits	$902,000	2,798
Premises and equipment expense	$260,000	2,597
Additional noninterest expense	$527,000	2,870
Pre-tax net operating income	$424,000	2,689
Securities gains (losses)	$0	2,434
Applicable income taxes	$91,000	2,274
Income before extraordinary items	$333,000	2,931
Extraordinary gains, net	$0	15
Net income	$333,000	2,933
Minority interest net income	$0	102
Net income of bank and minority interests.	$333,000	2,933
Net charge-offs	$-6,000	7,754
Cash dividends	$189,000	1,784
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$333,000	2,799
2008-12-31 (YTD Data)		Rank
Total interest income	$10,096,000	3,495
Total interest expense	$3,264,000	4,014
Net interest income	$6,832,000	3,124
Provision for loan and lease losses	$120,000	5,805
Total noninterest income	$1,180,000	3,070
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$476,000	3,115
Trading account gains and fees	$0	154
Additional Noninterest Income	$704,000	2,651
Total noninterest expense	$6,068,000	3,044
Salaries and employee benefits	$3,105,000	3,155
Premises and equipment expense	$938,000	2,778
Additional noninterest expense	$2,025,000	2,840
Pre-tax net operating income	$1,824,000	2,642
Securities gains (losses)	$0	3,220
Applicable income taxes	$377,000	2,142
Income before extraordinary items	$1,447,000	2,579
Extraordinary gains, net	$0	39
Net income	$1,447,000	2,578
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,000	4,868
Cash dividends	$654,000	2,961
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,447,000	2,728
2008-09-30 (YTD Data)		Rank
Total interest income	$7,591,000	3,559
Total interest expense	$2,522,000	4,057
Net interest income	$5,069,000	3,172
Provision for loan and lease losses	$38,000	6,140
Total noninterest income	$898,000	3,110
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$356,000	3,141
Trading account gains and fees	$0	148
Additional Noninterest Income	$542,000	2,680
Total noninterest expense	$4,534,000	3,030
Salaries and employee benefits	$2,385,000	3,118
Premises and equipment expense	$692,000	2,834
Additional noninterest expense	$1,457,000	2,849
Pre-tax net operating income	$1,395,000	2,993
Securities gains (losses)	$0	3,106
Applicable income taxes	$314,000	2,409
Income before extraordinary items	$1,081,000	2,951
Extraordinary gains, net	$0	31
Net income	$1,081,000	2,947
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-33,000	8,144
Cash dividends	$464,000	2,853
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,081,000	3,095
2008-06-30 (YTD Data)		Rank
Total interest income	$5,061,000	3,615
Total interest expense	$1,711,000	4,145
Net interest income	$3,350,000	3,192
Provision for loan and lease losses	$44,000	5,326
Total noninterest income	$607,000	3,116
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$232,000	3,171
Trading account gains and fees	$0	149
Additional Noninterest Income	$375,000	2,690
Total noninterest expense	$2,966,000	3,094
Salaries and employee benefits	$1,563,000	3,215
Premises and equipment expense	$465,000	2,814
Additional noninterest expense	$938,000	2,906
Pre-tax net operating income	$947,000	3,061
Securities gains (losses)	$0	3,233
Applicable income taxes	$217,000	2,580
Income before extraordinary items	$730,000	3,243
Extraordinary gains, net	$0	21
Net income	$730,000	3,243
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-23,000	8,080
Cash dividends	$321,000	2,870
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$730,000	3,184
2008-03-31 (YTD Data)		Rank
Total interest income	$2,564,000	3,654
Total interest expense	$904,000	4,170
Net interest income	$1,660,000	3,220
Provision for loan and lease losses	$31,000	4,334
Total noninterest income	$359,000	2,798
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$112,000	3,210
Trading account gains and fees	$0	158
Additional Noninterest Income	$247,000	2,248
Total noninterest expense	$1,458,000	3,147
Salaries and employee benefits	$808,000	3,136
Premises and equipment expense	$230,000	2,853
Additional noninterest expense	$420,000	3,171
Pre-tax net operating income	$530,000	2,953
Securities gains (losses)	$0	2,688
Applicable income taxes	$134,000	2,460
Income before extraordinary items	$396,000	3,210
Extraordinary gains, net	$0	15
Net income	$396,000	3,212
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	7,965
Cash dividends	$161,000	2,525
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$396,000	3,131
2007-12-31 (YTD Data)		Rank
Total interest income	$9,861,000	3,802
Total interest expense	$3,803,000	4,136
Net interest income	$6,058,000	3,479
Provision for loan and lease losses	$33,000	6,025
Total noninterest income	$1,089,000	3,369
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$475,000	3,161
Trading account gains and fees	$0	178
Additional Noninterest Income	$614,000	2,968
Total noninterest expense	$5,278,000	3,312
Salaries and employee benefits	$2,842,000	3,370
Premises and equipment expense	$669,000	3,547
Additional noninterest expense	$1,767,000	2,984
Pre-tax net operating income	$1,836,000	3,513
Securities gains (losses)	$0	2,146
Applicable income taxes	$416,000	2,974
Income before extraordinary items	$1,420,000	3,556
Extraordinary gains, net	$0	39
Net income	$1,420,000	3,554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,709
Cash dividends	$747,000	3,097
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,420,000	3,546
2007-09-30 (YTD Data)		Rank
Total interest income	$7,287,000	3,845
Total interest expense	$2,828,000	4,164
Net interest income	$4,459,000	3,530
Provision for loan and lease losses	$45,000	5,124
Total noninterest income	$785,000	3,441
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$364,000	3,101
Trading account gains and fees	$0	184
Additional Noninterest Income	$421,000	3,113
Total noninterest expense	$3,865,000	3,337
Salaries and employee benefits	$2,139,000	3,346
Premises and equipment expense	$459,000	3,791
Additional noninterest expense	$1,267,000	3,045
Pre-tax net operating income	$1,334,000	3,723
Securities gains (losses)	$0	1,655
Applicable income taxes	$314,000	3,139
Income before extraordinary items	$1,020,000	3,846
Extraordinary gains, net	$0	33
Net income	$1,020,000	3,845
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	5,346
Cash dividends	$567,000	2,774
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,020,000	3,833
2007-06-30 (YTD Data)		Rank
Total interest income	$4,752,000	3,919
Total interest expense	$1,822,000	4,252
Net interest income	$2,930,000	3,601
Provision for loan and lease losses	$35,000	4,774
Total noninterest income	$490,000	3,599
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$238,000	3,124
Trading account gains and fees	$0	168
Additional Noninterest Income	$252,000	3,326
Total noninterest expense	$2,482,000	3,456
Salaries and employee benefits	$1,384,000	3,449
Premises and equipment expense	$312,000	3,745
Additional noninterest expense	$786,000	3,242
Pre-tax net operating income	$903,000	3,753
Securities gains (losses)	$0	1,444
Applicable income taxes	$220,000	3,139
Income before extraordinary items	$683,000	3,874
Extraordinary gains, net	$0	29
Net income	$683,000	3,874
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	3,096
Cash dividends	$378,000	2,849
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$683,000	3,865
2007-03-31 (YTD Data)		Rank
Total interest income	$2,324,000	3,976
Total interest expense	$873,000	4,353
Net interest income	$1,451,000	3,633
Provision for loan and lease losses	$10,000	5,012
Total noninterest income	$232,000	3,705
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$117,000	3,122
Trading account gains and fees	$0	195
Additional Noninterest Income	$115,000	3,507
Total noninterest expense	$1,293,000	3,365
Salaries and employee benefits	$727,000	3,347
Premises and equipment expense	$159,000	3,713
Additional noninterest expense	$407,000	3,125
Pre-tax net operating income	$380,000	4,118
Securities gains (losses)	$0	1,187
Applicable income taxes	$89,000	3,431
Income before extraordinary items	$291,000	4,247
Extraordinary gains, net	$0	22
Net income	$291,000	4,249
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	1,512
Cash dividends	$189,000	2,534
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$291,000	4,223
2006-12-31 (YTD Data)		Rank
Total interest income	$8,515,000	4,035
Total interest expense	$2,844,000	4,460
Net interest income	$5,671,000	3,668
Provision for loan and lease losses	$68,000	5,202
Total noninterest income	$886,000	3,811
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$405,000	3,515
Trading account gains and fees	$0	130
Additional Noninterest Income	$481,000	3,406
Total noninterest expense	$4,741,000	3,494
Salaries and employee benefits	$2,641,000	3,470
Premises and equipment expense	$614,000	3,696
Additional noninterest expense	$1,486,000	3,312
Pre-tax net operating income	$1,748,000	3,958
Securities gains (losses)	$-24,000	7,627
Applicable income taxes	$391,000	3,463
Income before extraordinary items	$1,333,000	4,032
Extraordinary gains, net	$0	51
Net income	$1,333,000	4,032
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-55,000	8,381
Cash dividends	$556,000	3,551
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,351,480	3,990
2006-09-30 (YTD Data)		Rank
Total interest income	$6,284,000	4,044
Total interest expense	$2,029,000	4,512
Net interest income	$4,255,000	3,687
Provision for loan and lease losses	$87,000	4,417
Total noninterest income	$617,000	3,999
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$294,000	3,614
Trading account gains and fees	$0	126
Additional Noninterest Income	$323,000	3,611
Total noninterest expense	$3,477,000	3,556
Salaries and employee benefits	$1,940,000	3,529
Premises and equipment expense	$467,000	3,667
Additional noninterest expense	$1,070,000	3,429
Pre-tax net operating income	$1,308,000	4,088
Securities gains (losses)	$0	1,388
Applicable income taxes	$301,000	3,577
Income before extraordinary items	$1,007,000	4,146
Extraordinary gains, net	$0	45
Net income	$1,007,000	4,149
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	3,924
Cash dividends	$367,000	3,390
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,007,000	4,140
2006-06-30 (YTD Data)		Rank
Total interest income	$4,099,000	4,059
Total interest expense	$1,283,000	4,511
Net interest income	$2,816,000	3,718
Provision for loan and lease losses	$40,000	4,712
Total noninterest income	$409,000	4,003
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$191,000	3,653
Trading account gains and fees	$0	126
Additional Noninterest Income	$218,000	3,574
Total noninterest expense	$2,297,000	3,582
Salaries and employee benefits	$1,273,000	3,586
Premises and equipment expense	$325,000	3,539
Additional noninterest expense	$699,000	3,484
Pre-tax net operating income	$888,000	4,081
Securities gains (losses)	$0	1,185
Applicable income taxes	$205,000	3,582
Income before extraordinary items	$683,000	4,132
Extraordinary gains, net	$0	39
Net income	$683,000	4,136
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	2,631
Cash dividends	$178,000	3,838
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$683,000	4,121
2006-03-31 (YTD Data)		Rank
Total interest income	$2,004,000	4,078
Total interest expense	$593,000	4,611
Net interest income	$1,411,000	3,709
Provision for loan and lease losses	$15,000	4,758
Total noninterest income	$171,000	4,326
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$93,000	3,634
Trading account gains and fees	$0	115
Additional Noninterest Income	$78,000	4,205
Total noninterest expense	$1,180,000	3,523
Salaries and employee benefits	$680,000	3,408
Premises and equipment expense	$176,000	3,331
Additional noninterest expense	$324,000	3,657
Pre-tax net operating income	$387,000	4,354
Securities gains (losses)	$0	955
Applicable income taxes	$87,000	3,781
Income before extraordinary items	$300,000	4,417
Extraordinary gains, net	$0	21
Net income	$300,000	4,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-49,000	8,494
Cash dividends	$77,000	3,313
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$300,000	4,406
2005-12-31 (YTD Data)		Rank
Total interest income	$6,810,000	4,232
Total interest expense	$1,797,000	4,745
Net interest income	$5,013,000	3,942
Provision for loan and lease losses	$183,000	3,729
Total noninterest income	$729,000	4,268
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$337,000	3,925
Trading account gains and fees	$0	138
Additional Noninterest Income	$392,000	3,806
Total noninterest expense	$4,361,000	3,614
Salaries and employee benefits	$2,318,000	3,696
Premises and equipment expense	$591,000	3,703
Additional noninterest expense	$1,452,000	3,314
Pre-tax net operating income	$1,198,000	4,904
Securities gains (losses)	$10,000	1,476
Applicable income taxes	$244,000	4,394
Income before extraordinary items	$964,000	4,920
Extraordinary gains, net	$0	46
Net income	$964,000	4,921
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-60,000	8,517
Cash dividends	$270,000	4,554
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$956,000	4,910
2005-09-30 (YTD Data)		Rank
Total interest income	$4,911,000	4,297
Total interest expense	$1,267,000	4,788
Net interest income	$3,644,000	4,037
Provision for loan and lease losses	$61,000	4,938
Total noninterest income	$550,000	4,271
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$245,000	4,012
Trading account gains and fees	$0	126
Additional Noninterest Income	$305,000	3,766
Total noninterest expense	$3,203,000	3,652
Salaries and employee benefits	$1,753,000	3,645
Premises and equipment expense	$414,000	3,873
Additional noninterest expense	$1,036,000	3,414
Pre-tax net operating income	$930,000	4,951
Securities gains (losses)	$13,000	1,390
Applicable income taxes	$204,000	4,388
Income before extraordinary items	$739,000	4,952
Extraordinary gains, net	$0	35
Net income	$739,000	4,953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-33,000	8,335
Cash dividends	$197,000	4,103
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$728,860	4,941
2005-06-30 (YTD Data)		Rank
Total interest income	$3,185,000	4,318
Total interest expense	$809,000	4,753
Net interest income	$2,376,000	4,085
Provision for loan and lease losses	$30,000	5,130
Total noninterest income	$350,000	4,371
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$159,000	4,016
Trading account gains and fees	$0	116
Additional Noninterest Income	$191,000	3,839
Total noninterest expense	$2,082,000	3,694
Salaries and employee benefits	$1,147,000	3,691
Premises and equipment expense	$278,000	3,838
Additional noninterest expense	$657,000	3,524
Pre-tax net operating income	$614,000	4,955
Securities gains (losses)	$13,000	1,257
Applicable income taxes	$142,000	4,334
Income before extraordinary items	$485,000	4,961
Extraordinary gains, net	$0	30
Net income	$485,000	4,963
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,895
Cash dividends	$127,000	4,040
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$474,990	4,963
2005-03-31 (YTD Data)		Rank
Total interest income	$1,559,000	4,362
Total interest expense	$382,000	4,806
Net interest income	$1,177,000	4,123
Provision for loan and lease losses	$0	6,226
Total noninterest income	$167,000	4,425
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$76,000	4,047
Trading account gains and fees	$0	115
Additional Noninterest Income	$91,000	3,935
Total noninterest expense	$986,000	3,882
Salaries and employee benefits	$541,000	3,853
Premises and equipment expense	$143,000	3,777
Additional noninterest expense	$302,000	3,788
Pre-tax net operating income	$358,000	4,546
Securities gains (losses)	$13,000	933
Applicable income taxes	$95,000	3,849
Income before extraordinary items	$276,000	4,598
Extraordinary gains, net	$0	24
Net income	$276,000	4,599
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,877
Cash dividends	$56,000	3,358
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$266,380	4,655
2004-12-31 (YTD Data)		Rank
Total interest income	$6,010,000	4,262
Total interest expense	$1,471,000	4,569
Net interest income	$4,539,000	4,096
Provision for loan and lease losses	$11,000	7,005
Total noninterest income	$692,000	4,417
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$301,000	4,304
Trading account gains and fees	$0	138
Additional Noninterest Income	$391,000	3,760
Total noninterest expense	$4,009,000	3,737
Salaries and employee benefits	$2,144,000	3,765
Premises and equipment expense	$513,000	4,007
Additional noninterest expense	$1,352,000	3,408
Pre-tax net operating income	$1,212,000	4,770
Securities gains (losses)	$9,000	2,866
Applicable income taxes	$256,000	4,431
Income before extraordinary items	$964,000	4,794
Extraordinary gains, net	$0	34
Net income	$964,000	4,794
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	4,748
Cash dividends	$56,000	5,791
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$956,890	4,744
2004-09-30 (YTD Data)		Rank
Total interest income	$4,455,000	4,274
Total interest expense	$1,110,000	4,509
Net interest income	$3,345,000	4,139
Provision for loan and lease losses	$90,000	4,429
Total noninterest income	$515,000	4,454
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$209,000	4,523
Trading account gains and fees	$0	134
Additional Noninterest Income	$306,000	3,692
Total noninterest expense	$2,885,000	3,834
Salaries and employee benefits	$1,492,000	3,965
Premises and equipment expense	$376,000	4,058
Additional noninterest expense	$1,017,000	3,376
Pre-tax net operating income	$885,000	4,928
Securities gains (losses)	$0	3,710
Applicable income taxes	$174,000	4,650
Income before extraordinary items	$711,000	4,918
Extraordinary gains, net	$0	26
Net income	$711,000	4,919
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	3,478
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$711,000	4,832
2004-06-30 (YTD Data)		Rank
Total interest income	$2,973,000	4,282
Total interest expense	$753,000	4,466
Net interest income	$2,220,000	4,164
Provision for loan and lease losses	$60,000	4,267
Total noninterest income	$324,000	4,621
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$126,000	4,757
Trading account gains and fees	$0	130
Additional Noninterest Income	$198,000	3,753
Total noninterest expense	$1,914,000	3,872
Salaries and employee benefits	$979,000	4,053
Premises and equipment expense	$253,000	4,030
Additional noninterest expense	$682,000	3,369
Pre-tax net operating income	$570,000	4,956
Securities gains (losses)	$0	3,413
Applicable income taxes	$106,000	4,763
Income before extraordinary items	$464,000	4,929
Extraordinary gains, net	$0	21
Net income	$464,000	4,929
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	2,235
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$464,000	4,836
2004-03-31 (YTD Data)		Rank
Total interest income	$1,485,000	4,299
Total interest expense	$402,000	4,318
Net interest income	$1,083,000	4,231
Provision for loan and lease losses	$30,000	4,060
Total noninterest income	$149,000	4,795
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$57,000	4,910
Trading account gains and fees	$0	121
Additional Noninterest Income	$92,000	3,884
Total noninterest expense	$906,000	4,073
Salaries and employee benefits	$452,000	4,342
Premises and equipment expense	$134,000	3,902
Additional noninterest expense	$320,000	3,547
Pre-tax net operating income	$296,000	4,840
Securities gains (losses)	$0	2,934
Applicable income taxes	$77,000	4,201
Income before extraordinary items	$219,000	5,117
Extraordinary gains, net	$0	16
Net income	$219,000	5,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	2,902
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$219,000	4,982
2003-12-31 (YTD Data)		Rank
Total interest income	$6,327,000	4,146
Total interest expense	$1,928,000	4,135
Net interest income	$4,399,000	4,064
Provision for loan and lease losses	$278,000	3,347
Total noninterest income	$707,000	4,533
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$236,000	4,882
Trading account gains and fees	$0	160
Additional Noninterest Income	$471,000	3,686
Total noninterest expense	$3,958,000	3,746
Salaries and employee benefits	$2,054,000	3,837
Premises and equipment expense	$520,000	3,950
Additional noninterest expense	$1,384,000	3,314
Pre-tax net operating income	$870,000	5,488
Securities gains (losses)	$28,000	2,979
Applicable income taxes	$-107,000	8,956
Income before extraordinary items	$1,005,000	4,636
Extraordinary gains, net	$0	54
Net income	$1,005,000	4,637
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$163,000	3,209
Cash dividends	$111,000	5,479
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$977,000	4,537
2003-09-30 (YTD Data)		Rank
Total interest income	$4,742,000	4,197
Total interest expense	$1,505,000	4,128
Net interest income	$3,237,000	4,147
Provision for loan and lease losses	$258,000	2,807
Total noninterest income	$504,000	4,722
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$178,000	4,901
Trading account gains and fees	$0	153
Additional Noninterest Income	$326,000	3,902
Total noninterest expense	$2,783,000	3,907
Salaries and employee benefits	$1,415,000	4,117
Premises and equipment expense	$388,000	3,947
Additional noninterest expense	$980,000	3,453
Pre-tax net operating income	$700,000	5,502
Securities gains (losses)	$28,000	2,745
Applicable income taxes	$95,000	5,622
Income before extraordinary items	$633,000	5,257
Extraordinary gains, net	$0	40
Net income	$633,000	5,257
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	2,605
Cash dividends	$111,000	4,624
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$608,640	5,177
2003-06-30 (YTD Data)		Rank
Total interest income	$3,229,000	4,161
Total interest expense	$1,027,000	4,164
Net interest income	$2,202,000	4,086
Provision for loan and lease losses	$60,000	4,687
Total noninterest income	$326,000	4,774
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$119,000	4,882
Trading account gains and fees	$0	150
Additional Noninterest Income	$207,000	3,972
Total noninterest expense	$1,798,000	4,004
Salaries and employee benefits	$922,000	4,174
Premises and equipment expense	$262,000	3,895
Additional noninterest expense	$614,000	3,639
Pre-tax net operating income	$670,000	4,539
Securities gains (losses)	$0	3,782
Applicable income taxes	$136,000	4,659
Income before extraordinary items	$534,000	4,616
Extraordinary gains, net	$0	30
Net income	$534,000	4,616
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,985
Cash dividends	$111,000	4,153
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$534,000	4,403
2003-03-31 (YTD Data)		Rank
Total interest income	$1,666,000	4,099
Total interest expense	$528,000	4,160
Net interest income	$1,138,000	3,983
Provision for loan and lease losses	$30,000	4,429
Total noninterest income	$166,000	4,626
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$59,000	4,806
Trading account gains and fees	$0	134
Additional Noninterest Income	$107,000	3,805
Total noninterest expense	$898,000	3,994
Salaries and employee benefits	$465,000	4,124
Premises and equipment expense	$135,000	3,814
Additional noninterest expense	$298,000	3,671
Pre-tax net operating income	$376,000	4,196
Securities gains (losses)	$0	2,891
Applicable income taxes	$75,000	4,475
Income before extraordinary items	$301,000	4,232
Extraordinary gains, net	$0	21
Net income	$301,000	4,230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-18,000	8,819
Cash dividends	$111,000	2,805
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$301,000	4,038
2002-12-31 (YTD Data)		Rank
Total interest income	$6,901,000	4,101
Total interest expense	$2,372,000	4,272
Net interest income	$4,529,000	3,967
Provision for loan and lease losses	$3,499,000	496
Total noninterest income	$609,000	4,690
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$272,000	4,474
Trading account gains and fees	$0	153
Additional Noninterest Income	$337,000	4,016
Total noninterest expense	$3,526,000	3,936
Salaries and employee benefits	$1,845,000	3,995
Premises and equipment expense	$551,000	3,661
Additional noninterest expense	$1,130,000	3,779
Pre-tax net operating income	$-1,887,000	9,244
Securities gains (losses)	$6,000	3,879
Applicable income taxes	$-1,043,000	9,293
Income before extraordinary items	$-838,000	9,147
Extraordinary gains, net	$0	70
Net income	$-838,000	9,143
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,293,000	419
Cash dividends	$443,000	3,660
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-841,840	9,109
2001-12-31 (YTD Data)		Rank
Total interest income	$7,042,000	4,417
Total interest expense	$3,183,000	4,513
Net interest income	$3,859,000	4,234
Provision for loan and lease losses	$230,000	3,830
Total noninterest income	$532,000	4,906
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$276,000	4,380
Trading account gains and fees	$0	177
Additional Noninterest Income	$256,000	4,443
Total noninterest expense	$2,939,000	4,409
Salaries and employee benefits	$1,590,000	4,317
Premises and equipment expense	$433,000	4,354
Additional noninterest expense	$916,000	4,347
Pre-tax net operating income	$1,222,000	4,380
Securities gains (losses)	$1,000	4,410
Applicable income taxes	$299,000	4,273
Income before extraordinary items	$924,000	4,490
Extraordinary gains, net	$0	105
Net income	$924,000	4,492
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$191,000	2,944
Cash dividends	$403,000	3,828
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$923,240	4,386
2000-12-31 (YTD Data)		Rank
Total interest income	$6,281,000	4,926
Total interest expense	$3,156,000	4,733
Net interest income	$3,125,000	5,004
Provision for loan and lease losses	$134,000	4,637
Total noninterest income	$438,000	5,275
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$217,000	4,907
Trading account gains and fees	NA	NA
Additional Noninterest Income	$221,000	4,561
Total noninterest expense	$2,335,000	5,099
Salaries and employee benefits	$1,254,000	5,032
Premises and equipment expense	$349,000	4,941
Additional noninterest expense	$732,000	5,018
Pre-tax net operating income	$1,094,000	5,013
Securities gains (losses)	$0	1,956
Applicable income taxes	$290,000	4,659
Income before extraordinary items	$804,000	5,037
Extraordinary gains, net	$0	38
Net income	$804,000	5,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$232,000	2,177
Cash dividends	$403,000	3,912
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$804,000	5,032
1999-12-31 (YTD Data)		Rank
Total interest income	$5,372,000	5,328
Total interest expense	$2,454,000	5,249
Net interest income	$2,918,000	5,264
Provision for loan and lease losses	$100,000	5,206
Total noninterest income	$385,000	5,743
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$200,000	5,121
Trading account gains and fees	NA	NA
Additional Noninterest Income	$185,000	5,124
Total noninterest expense	$2,169,000	5,368
Salaries and employee benefits	$1,156,000	5,304
Premises and equipment expense	$346,000	5,002
Additional noninterest expense	$667,000	5,430
Pre-tax net operating income	$1,034,000	5,202
Securities gains (losses)	$0	3,155
Applicable income taxes	$281,000	4,951
Income before extraordinary items	$753,000	5,261
Extraordinary gains, net	$0	35
Net income	$753,000	5,259
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	6,980
Cash dividends	$317,000	4,415
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$753,000	5,232
1998-12-31 (YTD Data)		Rank
Total interest income	$4,557,000	6,009
Total interest expense	$2,045,000	6,113
Net interest income	$2,512,000	5,844
Provision for loan and lease losses	$95,000	5,236
Total noninterest income	$327,000	6,235
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$173,000	5,536
Trading account gains and fees	NA	NA
Additional Noninterest Income	$154,000	5,613
Total noninterest expense	$2,006,000	5,592
Salaries and employee benefits	$1,116,000	5,348
Premises and equipment expense	$309,000	5,306
Additional noninterest expense	$581,000	5,874
Pre-tax net operating income	$738,000	6,343
Securities gains (losses)	$14,000	2,712
Applicable income taxes	$-13,000	10,035
Income before extraordinary items	$765,000	5,343
Extraordinary gains, net	$0	32
Net income	$765,000	5,343
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$340,000	4,312
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$751,000	5,290
1997-12-31 (YTD Data)		Rank
Total interest income	$4,380,000	6,323
Total interest expense	$1,909,000	6,453
Net interest income	$2,471,000	6,096
Provision for loan and lease losses	$20,000	7,880
Total noninterest income	$263,000	7,073
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$143,000	6,289
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	6,280
Total noninterest expense	$1,629,000	6,475
Salaries and employee benefits	$939,000	6,111
Premises and equipment expense	$229,000	6,363
Additional noninterest expense	$461,000	6,836
Pre-tax net operating income	$1,085,000	5,584
Securities gains (losses)	$-6,000	9,765
Applicable income taxes	$375,000	5,087
Income before extraordinary items	$704,000	5,884
Extraordinary gains, net	$0	44
Net income	$704,000	5,886
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,261
Cash dividends	$189,000	5,537
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$707,900	5,826
1996-12-31 (YTD Data)		Rank
Total interest income	$4,226,000	6,647
Total interest expense	$1,862,000	6,708
Net interest income	$2,364,000	6,453
Provision for loan and lease losses	$20,000	7,945
Total noninterest income	$205,000	8,157
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$123,000	7,008
Trading account gains and fees	NA	NA
Additional Noninterest Income	$82,000	7,682
Total noninterest expense	$1,496,000	7,122
Salaries and employee benefits	$874,000	6,590
Premises and equipment expense	$236,000	6,453
Additional noninterest expense	$386,000	8,000
Pre-tax net operating income	$1,053,000	5,558
Securities gains (losses)	$0	4,148
Applicable income taxes	$393,000	4,943
Income before extraordinary items	$660,000	5,947
Extraordinary gains, net	$0	53
Net income	$660,000	5,949
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,336
Cash dividends	$175,000	5,723
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$660,000	5,883
1995-12-31 (YTD Data)		Rank
Total interest income	$3,776,000	7,230
Total interest expense	$1,656,000	7,260
Net interest income	$2,120,000	7,040
Provision for loan and lease losses	$20,000	7,637
Total noninterest income	$260,000	7,580
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$146,000	6,759
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	6,804
Total noninterest expense	$1,445,000	7,447
Salaries and employee benefits	$840,000	6,891
Premises and equipment expense	$255,000	6,261
Additional noninterest expense	$350,000	8,689
Pre-tax net operating income	$915,000	6,345
Securities gains (losses)	$0	3,831
Applicable income taxes	$339,000	5,568
Income before extraordinary items	$576,000	6,747
Extraordinary gains, net	$0	65
Net income	$576,000	6,746
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,482
Cash dividends	$120,000	6,469
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$576,000	6,734
1994-12-31 (YTD Data)		Rank
Total interest income	$3,357,000	7,541
Total interest expense	$1,325,000	7,471
Net interest income	$2,032,000	7,491
Provision for loan and lease losses	$0	9,146
Total noninterest income	$170,000	9,303
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$120,000	7,593
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	9,618
Total noninterest expense	$1,406,000	7,899
Salaries and employee benefits	$818,000	7,102
Premises and equipment expense	$172,000	8,034
Additional noninterest expense	$416,000	8,662
Pre-tax net operating income	$796,000	6,888
Securities gains (losses)	$0	3,600
Applicable income taxes	$295,000	5,938
Income before extraordinary items	$501,000	7,307
Extraordinary gains, net	$0	249
Net income	$501,000	7,311
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,704
Cash dividends	$120,000	6,524
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$501,000	7,334
1993-12-31 (YTD Data)		Rank
Total interest income	$3,275,000	7,881
Total interest expense	$1,413,000	7,497
Net interest income	$1,862,000	8,068
Provision for loan and lease losses	$7,000	9,969
Total noninterest income	$173,000	9,753
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$115,000	7,974
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	9,638
Total noninterest expense	$1,351,000	8,329
Salaries and employee benefits	$736,000	7,738
Premises and equipment expense	$205,000	7,582
Additional noninterest expense	$410,000	9,154
Pre-tax net operating income	$677,000	7,486
Securities gains (losses)	$0	7,477
Applicable income taxes	$250,000	6,790
Income before extraordinary items	$427,000	8,162
Extraordinary gains, net	$0	3,149
Net income	$427,000	8,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	8,917
Cash dividends	$114,000	6,663
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$427,000	7,894
1992-12-31 (YTD Data)		Rank
Total interest income	$3,648,000	7,978
Total interest expense	$1,795,000	7,627
Net interest income	$1,853,000	8,186
Provision for loan and lease losses	$27,000	10,147
Total noninterest income	$152,000	10,460
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$108,000	8,278
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	10,778
Total noninterest expense	$1,215,000	8,977
Salaries and employee benefits	$663,000	8,279
Premises and equipment expense	$174,000	8,469
Additional noninterest expense	$378,000	9,840
Pre-tax net operating income	$763,000	6,750
Securities gains (losses)	$0	8,369
Applicable income taxes	$260,000	6,508
Income before extraordinary items	$503,000	7,308
Extraordinary gains, net	$0	1,422
Net income	$503,000	7,402
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	9,788
Cash dividends	$114,000	6,328
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$503,000	6,926

* 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.