Home > United Community Bank of West Kentucky, Inc. > Income and Expense

United Community Bank of West Kentucky, Inc., Income and Expense

Basic Info Reviews History Routing Number Locations

2025-03-31 (YTD Data)		Rank
Total interest income	$5,838,000	1,886
Total interest expense	$2,668,000	1,561
Net interest income	$3,170,000	2,152
Provision for loan and lease losses	$20,000	2,346
Total noninterest income	$721,000	1,587
Gross Fiduciary activities income	$11,000	812
Service charges on deposit accounts	$164,000	1,360
Trading account gains and fees	NA	NA
Additional Noninterest Income	$546,000	1,423
Total noninterest expense	$2,170,000	2,302
Salaries and employee benefits	$1,220,000	2,313
Premises and equipment expense	$166,000	2,602
Additional noninterest expense	$546,000	1,423
Pre-tax net operating income	$1,701,000	1,615
Securities gains (losses)	$4,000	533
Applicable income taxes	$312,000	1,311
Income before extraordinary items	$1,393,000	1,652
Extraordinary gains, net	$0	47
Net income	$1,393,000	1,671
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,393,000	1,652
Net charge-offs	$64,000	942
Cash dividends	$1,241,000	786
Sale, conversion, retirement of capital stock, net	$0	467
Net operating income	$1,389,720	1,670
2024-12-31 (YTD Data)		Rank
Total interest income	$21,640,000	1,957
Total interest expense	$10,716,000	1,600
Net interest income	$10,924,000	2,281
Provision for loan and lease losses	$60,000	2,743
Total noninterest income	$3,085,000	1,579
Gross Fiduciary activities income	$42,000	822
Service charges on deposit accounts	$692,000	1,346
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,351,000	1,416
Total noninterest expense	$8,354,000	2,340
Salaries and employee benefits	$4,551,000	2,388
Premises and equipment expense	$629,000	2,653
Additional noninterest expense	$2,351,000	1,416
Pre-tax net operating income	$5,595,000	1,736
Securities gains (losses)	$2,000	828
Applicable income taxes	$946,000	1,439
Income before extraordinary items	$4,651,000	1,767
Extraordinary gains, net	$0	53
Net income	$4,651,000	1,786
Minority interest net income	$0	90
Net income of bank and minority interests.	$4,651,000	1,767
Net charge-offs	$51,000	2,079
Cash dividends	$2,864,000	1,311
Sale, conversion, retirement of capital stock, net	$0	564
Net operating income	$4,649,340	1,774
2024-09-30 (YTD Data)		Rank
Total interest income	$15,940,000	1,968
Total interest expense	$7,926,000	1,609
Net interest income	$8,014,000	2,298
Provision for loan and lease losses	$30,000	2,718
Total noninterest income	$2,320,000	1,573
Gross Fiduciary activities income	$30,000	823
Service charges on deposit accounts	$509,000	1,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,781,000	1,419
Total noninterest expense	$6,214,000	2,314
Salaries and employee benefits	$3,374,000	2,387
Premises and equipment expense	$477,000	2,635
Additional noninterest expense	$1,781,000	1,419
Pre-tax net operating income	$4,090,000	1,760
Securities gains (losses)	$0	930
Applicable income taxes	$684,000	1,472
Income before extraordinary items	$3,406,000	1,793
Extraordinary gains, net	$0	51
Net income	$3,406,000	1,813
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,406,000	1,795
Net charge-offs	$23,000	2,051
Cash dividends	$766,000	1,961
Sale, conversion, retirement of capital stock, net	$0	527
Net operating income	$3,406,000	1,795
2024-06-30 (YTD Data)		Rank
Total interest income	$10,431,000	1,966
Total interest expense	$5,172,000	1,612
Net interest income	$5,259,000	2,306
Provision for loan and lease losses	$15,000	2,686
Total noninterest income	$1,483,000	1,591
Gross Fiduciary activities income	$20,000	828
Service charges on deposit accounts	$320,000	1,404
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,143,000	1,436
Total noninterest expense	$4,108,000	2,329
Salaries and employee benefits	$2,227,000	2,400
Premises and equipment expense	$313,000	2,642
Additional noninterest expense	$1,143,000	1,436
Pre-tax net operating income	$2,619,000	1,789
Securities gains (losses)	$0	628
Applicable income taxes	$406,000	1,547
Income before extraordinary items	$2,213,000	1,803
Extraordinary gains, net	$0	52
Net income	$2,213,000	1,828
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,213,000	1,804
Net charge-offs	$14,000	1,909
Cash dividends	$737,000	1,697
Sale, conversion, retirement of capital stock, net	$0	496
Net operating income	$2,213,000	1,808
2024-03-31 (YTD Data)		Rank
Total interest income	$5,060,000	1,992
Total interest expense	$2,489,000	1,632
Net interest income	$2,571,000	2,334
Provision for loan and lease losses	$0	2,578
Total noninterest income	$737,000	1,565
Gross Fiduciary activities income	$12,000	764
Service charges on deposit accounts	$153,000	1,439
Trading account gains and fees	NA	NA
Additional Noninterest Income	$572,000	1,401
Total noninterest expense	$2,074,000	2,317
Salaries and employee benefits	$1,117,000	2,394
Premises and equipment expense	$148,000	2,726
Additional noninterest expense	$572,000	1,401
Pre-tax net operating income	$1,234,000	1,810
Securities gains (losses)	$0	689
Applicable income taxes	$149,000	1,703
Income before extraordinary items	$1,085,000	1,795
Extraordinary gains, net	$0	51
Net income	$1,085,000	1,818
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,085,000	1,795
Net charge-offs	$6,000	1,696
Cash dividends	$712,000	1,044
Sale, conversion, retirement of capital stock, net	$0	434
Net operating income	$1,085,000	1,797
2023-12-31 (YTD Data)		Rank
Total interest income	$19,154,000	1,948
Total interest expense	$6,551,000	1,721
Net interest income	$12,603,000	2,046
Provision for loan and lease losses	$105,000	2,406
Total noninterest income	$2,815,000	1,686
Gross Fiduciary activities income	$36,000	793
Service charges on deposit accounts	$632,000	1,415
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,147,000	1,558
Total noninterest expense	$7,992,000	2,336
Salaries and employee benefits	$4,302,000	2,420
Premises and equipment expense	$611,000	2,680
Additional noninterest expense	$2,147,000	1,558
Pre-tax net operating income	$7,321,000	1,494
Securities gains (losses)	$-84,000	3,764
Applicable income taxes	$1,333,000	1,253
Income before extraordinary items	$5,904,000	1,535
Extraordinary gains, net	$0	54
Net income	$5,904,000	1,550
Minority interest net income	$0	88
Net income of bank and minority interests.	$5,904,000	1,538
Net charge-offs	$9,000	2,456
Cash dividends	$2,683,000	1,297
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$5,972,880	1,556
2023-09-30 (YTD Data)		Rank
Total interest income	$14,149,000	1,936
Total interest expense	$4,248,000	1,761
Net interest income	$9,901,000	2,010
Provision for loan and lease losses	$105,000	2,098
Total noninterest income	$2,039,000	1,719
Gross Fiduciary activities income	$27,000	783
Service charges on deposit accounts	$475,000	1,422
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,537,000	1,593
Total noninterest expense	$6,140,000	2,286
Salaries and employee benefits	$3,297,000	2,379
Premises and equipment expense	$489,000	2,586
Additional noninterest expense	$1,537,000	1,593
Pre-tax net operating income	$5,695,000	1,504
Securities gains (losses)	$11,000	596
Applicable income taxes	$1,067,000	1,241
Income before extraordinary items	$4,639,000	1,545
Extraordinary gains, net	$0	52
Net income	$4,639,000	1,559
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,639,000	1,545
Net charge-offs	$5,000	2,314
Cash dividends	$652,000	2,036
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$4,630,090	1,573
2023-06-30 (YTD Data)		Rank
Total interest income	$9,252,000	1,933
Total interest expense	$2,484,000	1,761
Net interest income	$6,768,000	1,985
Provision for loan and lease losses	$105,000	1,785
Total noninterest income	$1,329,000	1,672
Gross Fiduciary activities income	$18,000	774
Service charges on deposit accounts	$324,000	1,382
Trading account gains and fees	NA	NA
Additional Noninterest Income	$987,000	1,553
Total noninterest expense	$4,076,000	2,285
Salaries and employee benefits	$2,204,000	2,375
Premises and equipment expense	$328,000	2,579
Additional noninterest expense	$987,000	1,551
Pre-tax net operating income	$3,916,000	1,459
Securities gains (losses)	$11,000	611
Applicable income taxes	$739,000	1,221
Income before extraordinary items	$3,188,000	1,490
Extraordinary gains, net	$0	51
Net income	$3,188,000	1,508
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,188,000	1,490
Net charge-offs	$-3,000	3,600
Cash dividends	$652,000	1,733
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$3,179,090	1,504
2023-03-31 (YTD Data)		Rank
Total interest income	$4,574,000	1,935
Total interest expense	$996,000	1,838
Net interest income	$3,578,000	1,913
Provision for loan and lease losses	$105,000	1,243
Total noninterest income	$633,000	1,731
Gross Fiduciary activities income	$8,000	807
Service charges on deposit accounts	$160,000	1,406
Trading account gains and fees	NA	NA
Additional Noninterest Income	$465,000	1,581
Total noninterest expense	$2,017,000	2,328
Salaries and employee benefits	$1,081,000	2,428
Premises and equipment expense	$168,000	2,569
Additional noninterest expense	$465,000	1,581
Pre-tax net operating income	$2,089,000	1,427
Securities gains (losses)	$2,000	837
Applicable income taxes	$400,000	1,167
Income before extraordinary items	$1,691,000	1,466
Extraordinary gains, net	$0	4
Net income	$1,691,000	1,466
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,691,000	1,466
Net charge-offs	$1,000	1,904
Cash dividends	$652,000	1,078
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,689,380	1,477
2022-12-31 (YTD Data)		Rank
Total interest income	$15,215,000	1,934
Total interest expense	$2,108,000	1,538
Net interest income	$13,107,000	1,985
Provision for loan and lease losses	$150,000	1,951
Total noninterest income	$2,490,000	1,822
Gross Fiduciary activities income	$38,000	821
Service charges on deposit accounts	$609,000	1,487
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,843,000	1,701
Total noninterest expense	$7,723,000	2,359
Salaries and employee benefits	$3,888,000	2,549
Premises and equipment expense	$657,000	2,594
Additional noninterest expense	$1,843,000	1,701
Pre-tax net operating income	$7,724,000	1,526
Securities gains (losses)	$-113,000	3,937
Applicable income taxes	$1,443,000	1,288
Income before extraordinary items	$6,168,000	1,598
Extraordinary gains, net	$0	5
Net income	$6,168,000	1,596
Minority interest net income	$0	63
Net income of bank and minority interests.	$6,168,000	1,597
Net charge-offs	$24,000	1,860
Cash dividends	$6,866,000	613
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$6,259,530	1,608
2022-09-30 (YTD Data)		Rank
Total interest income	$10,960,000	1,936
Total interest expense	$1,340,000	1,429
Net interest income	$9,620,000	1,985
Provision for loan and lease losses	$90,000	1,934
Total noninterest income	$1,868,000	1,830
Gross Fiduciary activities income	$27,000	811
Service charges on deposit accounts	$437,000	1,538
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,404,000	1,709
Total noninterest expense	$5,814,000	2,339
Salaries and employee benefits	$2,960,000	2,526
Premises and equipment expense	$493,000	2,584
Additional noninterest expense	$1,404,000	1,709
Pre-tax net operating income	$5,584,000	1,566
Securities gains (losses)	$118,000	143
Applicable income taxes	$1,087,000	1,289
Income before extraordinary items	$4,615,000	1,580
Extraordinary gains, net	$0	4
Net income	$4,615,000	1,579
Minority interest net income	$0	57
Net income of bank and minority interests.	$4,615,000	1,580
Net charge-offs	$14,000	1,719
Cash dividends	$4,900,000	598
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$4,519,420	1,633
2022-06-30 (YTD Data)		Rank
Total interest income	$7,014,000	1,944
Total interest expense	$808,000	1,346
Net interest income	$6,206,000	1,995
Provision for loan and lease losses	$60,000	1,769
Total noninterest income	$1,216,000	1,850
Gross Fiduciary activities income	$20,000	770
Service charges on deposit accounts	$277,000	1,572
Trading account gains and fees	NA	NA
Additional Noninterest Income	$919,000	1,762
Total noninterest expense	$3,891,000	2,318
Salaries and employee benefits	$1,970,000	2,522
Premises and equipment expense	$322,000	2,618
Additional noninterest expense	$1,599,000	1,902
Pre-tax net operating income	$3,471,000	1,563
Securities gains (losses)	$105,000	138
Applicable income taxes	$679,000	1,262
Income before extraordinary items	$2,897,000	1,553
Extraordinary gains, net	$0	4
Net income	$2,897,000	1,552
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,897,000	1,553
Net charge-offs	$18,000	1,359
Cash dividends	$4,900,000	441
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$2,811,950	1,610
2022-03-31 (YTD Data)		Rank
Total interest income	$3,109,000	2,087
Total interest expense	$310,000	1,627
Net interest income	$2,799,000	2,102
Provision for loan and lease losses	$30,000	1,548
Total noninterest income	$551,000	1,959
Gross Fiduciary activities income	$11,000	767
Service charges on deposit accounts	$127,000	1,659
Trading account gains and fees	NA	NA
Additional Noninterest Income	$413,000	1,882
Total noninterest expense	$1,777,000	2,466
Salaries and employee benefits	$971,000	2,547
Premises and equipment expense	$156,000	2,665
Additional noninterest expense	$650,000	2,182
Pre-tax net operating income	$1,543,000	1,605
Securities gains (losses)	$0	623
Applicable income taxes	$280,000	1,364
Income before extraordinary items	$1,263,000	1,646
Extraordinary gains, net	$0	4
Net income	$1,263,000	1,645
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,263,000	1,646
Net charge-offs	$9,000	1,211
Cash dividends	$4,900,000	267
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,263,000	1,666
2021-12-31 (YTD Data)		Rank
Total interest income	$13,019,000	2,065
Total interest expense	$1,420,000	1,741
Net interest income	$11,599,000	2,076
Provision for loan and lease losses	$300,000	1,389
Total noninterest income	$2,163,000	2,131
Gross Fiduciary activities income	$41,000	780
Service charges on deposit accounts	$441,000	1,747
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,681,000	2,092
Total noninterest expense	$7,175,000	2,444
Salaries and employee benefits	$3,938,000	2,527
Premises and equipment expense	$613,000	2,710
Additional noninterest expense	$2,624,000	2,186
Pre-tax net operating income	$6,287,000	1,771
Securities gains (losses)	$1,000	2,004
Applicable income taxes	$1,152,000	1,503
Income before extraordinary items	$5,136,000	1,861
Extraordinary gains, net	$0	10
Net income	$5,136,000	1,861
Minority interest net income	$0	74
Net income of bank and minority interests.	$5,136,000	1,862
Net charge-offs	$59,000	1,577
Cash dividends	$1,769,000	1,656
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$5,135,180	1,827
2021-09-30 (YTD Data)		Rank
Total interest income	$9,808,000	2,097
Total interest expense	$1,048,000	1,835
Net interest income	$8,760,000	2,093
Provision for loan and lease losses	$210,000	1,439
Total noninterest income	$1,596,000	2,205
Gross Fiduciary activities income	$31,000	767
Service charges on deposit accounts	$312,000	1,800
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,253,000	2,142
Total noninterest expense	$5,333,000	2,469
Salaries and employee benefits	$3,001,000	2,511
Premises and equipment expense	$476,000	2,672
Additional noninterest expense	$1,856,000	2,270
Pre-tax net operating income	$4,813,000	1,813
Securities gains (losses)	$1,000	1,947
Applicable income taxes	$891,000	1,559
Income before extraordinary items	$3,923,000	1,898
Extraordinary gains, net	$0	8
Net income	$3,923,000	1,897
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,923,000	1,898
Net charge-offs	$60,000	1,291
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$3,922,190	1,875
2021-06-30 (YTD Data)		Rank
Total interest income	$6,333,000	2,143
Total interest expense	$690,000	1,914
Net interest income	$5,643,000	2,144
Provision for loan and lease losses	$130,000	1,494
Total noninterest income	$1,053,000	2,185
Gross Fiduciary activities income	$21,000	772
Service charges on deposit accounts	$198,000	1,812
Trading account gains and fees	NA	NA
Additional Noninterest Income	$834,000	2,118
Total noninterest expense	$3,514,000	2,484
Salaries and employee benefits	$1,978,000	2,529
Premises and equipment expense	$305,000	2,718
Additional noninterest expense	$1,231,000	2,259
Pre-tax net operating income	$3,052,000	1,867
Securities gains (losses)	$1,000	1,754
Applicable income taxes	$551,000	1,595
Income before extraordinary items	$2,502,000	1,942
Extraordinary gains, net	$0	6
Net income	$2,502,000	1,941
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,502,000	1,942
Net charge-offs	$42,000	1,213
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,501,180	1,905
2021-03-31 (YTD Data)		Rank
Total interest income	$3,035,000	2,205
Total interest expense	$347,000	1,976
Net interest income	$2,688,000	2,200
Provision for loan and lease losses	$70,000	1,542
Total noninterest income	$516,000	2,200
Gross Fiduciary activities income	$11,000	782
Service charges on deposit accounts	$102,000	1,759
Trading account gains and fees	NA	NA
Additional Noninterest Income	$403,000	2,146
Total noninterest expense	$1,771,000	2,458
Salaries and employee benefits	$1,010,000	2,487
Premises and equipment expense	$157,000	2,707
Additional noninterest expense	$604,000	2,245
Pre-tax net operating income	$1,363,000	1,982
Securities gains (losses)	$0	1,392
Applicable income taxes	$228,000	1,716
Income before extraordinary items	$1,135,000	2,052
Extraordinary gains, net	$0	3
Net income	$1,135,000	2,051
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,135,000	2,052
Net charge-offs	$38,000	923
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,135,000	2,020
2020-12-31 (YTD Data)		Rank
Total interest income	$12,282,000	2,197
Total interest expense	$1,861,000	2,065
Net interest income	$10,421,000	2,199
Provision for loan and lease losses	$300,000	2,662
Total noninterest income	$1,875,000	2,198
Gross Fiduciary activities income	$43,000	792
Service charges on deposit accounts	$469,000	1,677
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,363,000	2,161
Total noninterest expense	$6,829,000	2,501
Salaries and employee benefits	$3,784,000	2,570
Premises and equipment expense	$492,000	3,089
Additional noninterest expense	$2,553,000	2,175
Pre-tax net operating income	$5,167,000	1,747
Securities gains (losses)	$55,000	1,681
Applicable income taxes	$833,000	1,580
Income before extraordinary items	$4,389,000	1,801
Extraordinary gains, net	$0	4
Net income	$4,389,000	1,801
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,389,000	1,801
Net charge-offs	$43,000	2,478
Cash dividends	$4,125,000	882
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$4,342,800	1,764
2020-09-30 (YTD Data)		Rank
Total interest income	$9,172,000	2,220
Total interest expense	$1,397,000	2,142
Net interest income	$7,775,000	2,199
Provision for loan and lease losses	$210,000	2,714
Total noninterest income	$1,385,000	2,166
Gross Fiduciary activities income	$29,000	782
Service charges on deposit accounts	$353,000	1,675
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,003,000	2,136
Total noninterest expense	$5,058,000	2,493
Salaries and employee benefits	$2,756,000	2,602
Premises and equipment expense	$397,000	2,965
Additional noninterest expense	$1,905,000	2,149
Pre-tax net operating income	$3,892,000	1,710
Securities gains (losses)	$34,000	1,709
Applicable income taxes	$634,000	1,548
Income before extraordinary items	$3,292,000	1,778
Extraordinary gains, net	$0	4
Net income	$3,292,000	1,778
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,292,000	1,778
Net charge-offs	$26,000	2,387
Cash dividends	$2,487,000	938
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$3,263,440	1,734
2020-06-30 (YTD Data)		Rank
Total interest income	$6,084,000	2,264
Total interest expense	$973,000	2,184
Net interest income	$5,111,000	2,238
Provision for loan and lease losses	$120,000	2,806
Total noninterest income	$898,000	2,147
Gross Fiduciary activities income	$20,000	788
Service charges on deposit accounts	$239,000	1,685
Trading account gains and fees	NA	NA
Additional Noninterest Income	$639,000	2,111
Total noninterest expense	$3,330,000	2,517
Salaries and employee benefits	$1,827,000	2,616
Premises and equipment expense	$259,000	2,992
Additional noninterest expense	$1,244,000	2,177
Pre-tax net operating income	$2,559,000	1,666
Securities gains (losses)	$20,000	1,679
Applicable income taxes	$422,000	1,486
Income before extraordinary items	$2,157,000	1,740
Extraordinary gains, net	$0	4
Net income	$2,157,000	1,741
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,157,000	1,741
Net charge-offs	$27,000	2,053
Cash dividends	$2,487,000	688
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,140,200	1,703
2020-03-31 (YTD Data)		Rank
Total interest income	$3,045,000	2,226
Total interest expense	$524,000	2,219
Net interest income	$2,521,000	2,215
Provision for loan and lease losses	$60,000	2,352
Total noninterest income	$475,000	1,994
Gross Fiduciary activities income	$12,000	784
Service charges on deposit accounts	$152,000	1,616
Trading account gains and fees	NA	NA
Additional Noninterest Income	$311,000	1,970
Total noninterest expense	$1,657,000	2,555
Salaries and employee benefits	$922,000	2,615
Premises and equipment expense	$120,000	3,154
Additional noninterest expense	$615,000	2,207
Pre-tax net operating income	$1,279,000	1,503
Securities gains (losses)	$2,000	1,565
Applicable income taxes	$212,000	1,354
Income before extraordinary items	$1,069,000	1,579
Extraordinary gains, net	$0	4
Net income	$1,069,000	1,578
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,069,000	1,579
Net charge-offs	$1,000	2,430
Cash dividends	$2,487,000	470
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,067,340	1,552
2019-12-31 (YTD Data)		Rank
Total interest income	$12,135,000	2,265
Total interest expense	$2,272,000	2,167
Net interest income	$9,863,000	2,265
Provision for loan and lease losses	$220,000	2,278
Total noninterest income	$1,967,000	1,985
Gross Fiduciary activities income	$45,000	799
Service charges on deposit accounts	$678,000	1,539
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,244,000	2,009
Total noninterest expense	$6,597,000	2,542
Salaries and employee benefits	$3,558,000	2,637
Premises and equipment expense	$463,000	3,229
Additional noninterest expense	$2,576,000	2,173
Pre-tax net operating income	$5,013,000	1,752
Securities gains (losses)	$86,000	1,007
Applicable income taxes	$749,000	1,652
Income before extraordinary items	$4,350,000	1,778
Extraordinary gains, net	$0	11
Net income	$4,350,000	1,780
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,350,000	1,780
Net charge-offs	$163,000	1,853
Cash dividends	$1,548,000	1,848
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,276,900	1,758
2019-09-30 (YTD Data)		Rank
Total interest income	$9,101,000	2,299
Total interest expense	$1,696,000	2,185
Net interest income	$7,405,000	2,295
Provision for loan and lease losses	$165,000	2,171
Total noninterest income	$1,456,000	2,004
Gross Fiduciary activities income	$33,000	792
Service charges on deposit accounts	$499,000	1,570
Trading account gains and fees	NA	NA
Additional Noninterest Income	$924,000	2,015
Total noninterest expense	$4,949,000	2,556
Salaries and employee benefits	$2,655,000	2,659
Premises and equipment expense	$387,000	3,068
Additional noninterest expense	$1,907,000	2,189
Pre-tax net operating income	$3,747,000	1,804
Securities gains (losses)	$20,000	1,423
Applicable income taxes	$502,000	1,791
Income before extraordinary items	$3,265,000	1,813
Extraordinary gains, net	$0	11
Net income	$3,265,000	1,814
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,265,000	1,814
Net charge-offs	$142,000	1,531
Cash dividends	$3,000	3,577
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,247,600	1,790
2019-06-30 (YTD Data)		Rank
Total interest income	$6,000,000	2,312
Total interest expense	$1,112,000	2,186
Net interest income	$4,888,000	2,315
Provision for loan and lease losses	$100,000	2,185
Total noninterest income	$956,000	2,003
Gross Fiduciary activities income	$24,000	787
Service charges on deposit accounts	$326,000	1,579
Trading account gains and fees	NA	NA
Additional Noninterest Income	$606,000	1,995
Total noninterest expense	$3,310,000	2,576
Salaries and employee benefits	$1,768,000	2,680
Premises and equipment expense	$273,000	2,997
Additional noninterest expense	$1,269,000	2,202
Pre-tax net operating income	$2,434,000	1,826
Securities gains (losses)	$14,000	1,135
Applicable income taxes	$277,000	1,924
Income before extraordinary items	$2,171,000	1,792
Extraordinary gains, net	$0	11
Net income	$2,171,000	1,791
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,171,000	1,792
Net charge-offs	$70,000	1,607
Cash dividends	$3,000	3,444
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,158,540	1,774
2019-03-31 (YTD Data)		Rank
Total interest income	$2,956,000	2,335
Total interest expense	$457,000	2,435
Net interest income	$2,499,000	2,274
Provision for loan and lease losses	$40,000	2,260
Total noninterest income	$452,000	2,035
Gross Fiduciary activities income	$14,000	788
Service charges on deposit accounts	$158,000	1,604
Trading account gains and fees	NA	NA
Additional Noninterest Income	$280,000	2,030
Total noninterest expense	$1,637,000	2,608
Salaries and employee benefits	$879,000	2,707
Premises and equipment expense	$132,000	3,091
Additional noninterest expense	$626,000	2,215
Pre-tax net operating income	$1,274,000	1,728
Securities gains (losses)	$5,000	841
Applicable income taxes	$211,000	1,540
Income before extraordinary items	$1,068,000	1,775
Extraordinary gains, net	$0	5
Net income	$1,068,000	1,773
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,068,000	1,774
Net charge-offs	$0	2,740
Cash dividends	$3,000	2,789
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,063,800	1,763
2018-12-31 (YTD Data)		Rank
Total interest income	$11,348,000	2,302
Total interest expense	$1,468,000	2,371
Net interest income	$9,880,000	2,275
Provision for loan and lease losses	$200,000	2,354
Total noninterest income	$1,800,000	2,102
Gross Fiduciary activities income	$39,000	854
Service charges on deposit accounts	$657,000	1,615
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,104,000	2,135
Total noninterest expense	$6,255,000	2,653
Salaries and employee benefits	$3,300,000	2,778
Premises and equipment expense	$445,000	3,360
Additional noninterest expense	$2,510,000	2,216
Pre-tax net operating income	$5,225,000	1,730
Securities gains (losses)	$-11,000	4,441
Applicable income taxes	$844,000	1,531
Income before extraordinary items	$4,370,000	1,769
Extraordinary gains, net	$0	6
Net income	$4,370,000	1,768
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,370,000	1,768
Net charge-offs	$60,000	2,509
Cash dividends	$1,808,000	1,544
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,379,240	1,757
2018-09-30 (YTD Data)		Rank
Total interest income	$8,362,000	2,324
Total interest expense	$1,043,000	2,377
Net interest income	$7,319,000	2,300
Provision for loan and lease losses	$120,000	2,455
Total noninterest income	$1,368,000	2,099
Gross Fiduciary activities income	$29,000	834
Service charges on deposit accounts	$487,000	1,631
Trading account gains and fees	NA	NA
Additional Noninterest Income	$852,000	2,129
Total noninterest expense	$4,649,000	2,675
Salaries and employee benefits	$2,433,000	2,823
Premises and equipment expense	$359,000	3,270
Additional noninterest expense	$1,857,000	2,233
Pre-tax net operating income	$3,918,000	1,735
Securities gains (losses)	$-6,000	4,655
Applicable income taxes	$624,000	1,591
Income before extraordinary items	$3,288,000	1,777
Extraordinary gains, net	$0	5
Net income	$3,288,000	1,776
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,288,000	1,776
Net charge-offs	$36,000	2,399
Cash dividends	$410,000	2,564
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,293,040	1,764
2018-06-30 (YTD Data)		Rank
Total interest income	$5,467,000	2,349
Total interest expense	$637,000	2,431
Net interest income	$4,830,000	2,314
Provision for loan and lease losses	$60,000	2,584
Total noninterest income	$885,000	2,150
Gross Fiduciary activities income	$19,000	844
Service charges on deposit accounts	$316,000	1,665
Trading account gains and fees	NA	NA
Additional Noninterest Income	$550,000	2,170
Total noninterest expense	$3,036,000	2,727
Salaries and employee benefits	$1,604,000	2,874
Premises and equipment expense	$227,000	3,382
Additional noninterest expense	$1,205,000	2,287
Pre-tax net operating income	$2,619,000	1,691
Securities gains (losses)	$-3,000	4,784
Applicable income taxes	$422,000	1,559
Income before extraordinary items	$2,194,000	1,749
Extraordinary gains, net	$0	6
Net income	$2,194,000	1,748
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,194,000	1,748
Net charge-offs	$10,000	2,589
Cash dividends	$3,000	3,476
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,196,520	1,739
2018-03-31 (YTD Data)		Rank
Total interest income	$2,667,000	2,391
Total interest expense	$282,000	2,564
Net interest income	$2,385,000	2,336
Provision for loan and lease losses	$30,000	2,415
Total noninterest income	$444,000	2,129
Gross Fiduciary activities income	$13,000	823
Service charges on deposit accounts	$152,000	1,734
Trading account gains and fees	NA	NA
Additional Noninterest Income	$279,000	2,108
Total noninterest expense	$1,517,000	2,766
Salaries and employee benefits	$800,000	2,908
Premises and equipment expense	$112,000	3,440
Additional noninterest expense	$605,000	2,262
Pre-tax net operating income	$1,282,000	1,695
Securities gains (losses)	$-3,000	5,077
Applicable income taxes	$205,000	1,558
Income before extraordinary items	$1,074,000	1,737
Extraordinary gains, net	$0	7
Net income	$1,074,000	1,737
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,074,000	1,737
Net charge-offs	$12,000	1,889
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,076,520	1,721
2017-12-31 (YTD Data)		Rank
Total interest income	$10,373,000	2,381
Total interest expense	$930,000	2,676
Net interest income	$9,443,000	2,311
Provision for loan and lease losses	$135,000	2,755
Total noninterest income	$1,695,000	2,236
Gross Fiduciary activities income	$33,000	885
Service charges on deposit accounts	$606,000	1,759
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,056,000	2,227
Total noninterest expense	$5,897,000	2,797
Salaries and employee benefits	$3,171,000	2,881
Premises and equipment expense	$429,000	3,538
Additional noninterest expense	$2,297,000	2,397
Pre-tax net operating income	$5,106,000	1,678
Securities gains (losses)	$-41,000	5,283
Applicable income taxes	$1,601,000	1,478
Income before extraordinary items	$3,464,000	1,824
Extraordinary gains, net	$0	9
Net income	$3,464,000	1,824
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,464,000	1,825
Net charge-offs	$98,000	2,452
Cash dividends	$1,538,000	1,684
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,491,880	1,789
2017-09-30 (YTD Data)		Rank
Total interest income	$7,686,000	2,407
Total interest expense	$666,000	2,734
Net interest income	$7,020,000	2,344
Provision for loan and lease losses	$105,000	2,606
Total noninterest income	$1,294,000	2,245
Gross Fiduciary activities income	$28,000	868
Service charges on deposit accounts	$447,000	1,796
Trading account gains and fees	NA	NA
Additional Noninterest Income	$819,000	2,223
Total noninterest expense	$4,355,000	2,849
Salaries and employee benefits	$2,357,000	2,919
Premises and equipment expense	$324,000	3,549
Additional noninterest expense	$1,674,000	2,466
Pre-tax net operating income	$3,854,000	1,700
Securities gains (losses)	$3,000	1,944
Applicable income taxes	$1,017,000	1,452
Income before extraordinary items	$2,840,000	1,804
Extraordinary gains, net	$0	9
Net income	$2,840,000	1,803
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,840,000	1,804
Net charge-offs	$75,000	2,154
Cash dividends	$452,000	2,506
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,837,780	1,778
2017-06-30 (YTD Data)		Rank
Total interest income	$5,059,000	2,405
Total interest expense	$413,000	2,812
Net interest income	$4,646,000	2,349
Provision for loan and lease losses	$70,000	2,522
Total noninterest income	$892,000	2,202
Gross Fiduciary activities income	$20,000	866
Service charges on deposit accounts	$276,000	1,886
Trading account gains and fees	NA	NA
Additional Noninterest Income	$596,000	2,117
Total noninterest expense	$2,903,000	2,874
Salaries and employee benefits	$1,572,000	2,934
Premises and equipment expense	$215,000	3,580
Additional noninterest expense	$1,116,000	2,476
Pre-tax net operating income	$2,565,000	1,670
Securities gains (losses)	$2,000	1,641
Applicable income taxes	$676,000	1,438
Income before extraordinary items	$1,891,000	1,781
Extraordinary gains, net	$0	11
Net income	$1,891,000	1,781
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,891,000	1,781
Net charge-offs	$83,000	1,655
Cash dividends	$30,000	3,460
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,889,520	1,763
2017-03-31 (YTD Data)		Rank
Total interest income	$2,474,000	2,445
Total interest expense	$193,000	2,921
Net interest income	$2,281,000	2,379
Provision for loan and lease losses	$30,000	2,408
Total noninterest income	$410,000	2,310
Gross Fiduciary activities income	$12,000	854
Service charges on deposit accounts	$130,000	1,981
Trading account gains and fees	NA	NA
Additional Noninterest Income	$268,000	2,236
Total noninterest expense	$1,452,000	2,896
Salaries and employee benefits	$804,000	2,939
Premises and equipment expense	$106,000	3,637
Additional noninterest expense	$542,000	2,515
Pre-tax net operating income	$1,209,000	1,711
Securities gains (losses)	$0	1,153
Applicable income taxes	$311,000	1,464
Income before extraordinary items	$898,000	1,797
Extraordinary gains, net	$0	8
Net income	$898,000	1,797
Minority interest net income	$0	55
Net income of bank and minority interests.	$898,000	1,797
Net charge-offs	$39,000	1,477
Cash dividends	$26,000	2,747
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$898,000	1,785
2016-12-31 (YTD Data)		Rank
Total interest income	$9,890,000	2,418
Total interest expense	$757,000	2,889
Net interest income	$9,133,000	2,355
Provision for loan and lease losses	$120,000	2,919
Total noninterest income	$1,620,000	2,387
Gross Fiduciary activities income	$31,000	924
Service charges on deposit accounts	$563,000	1,901
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,026,000	2,378
Total noninterest expense	$5,770,000	2,921
Salaries and employee benefits	$3,080,000	2,979
Premises and equipment expense	$398,000	3,788
Additional noninterest expense	$2,292,000	2,481
Pre-tax net operating income	$4,863,000	1,663
Securities gains (losses)	$10,000	2,659
Applicable income taxes	$1,269,000	1,420
Income before extraordinary items	$3,604,000	1,801
Extraordinary gains, net	$0	5
Net income	$3,604,000	1,800
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,604,000	1,800
Net charge-offs	$66,000	2,944
Cash dividends	$951,000	2,279
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,596,600	1,764
2016-09-30 (YTD Data)		Rank
Total interest income	$7,381,000	2,434
Total interest expense	$564,000	2,915
Net interest income	$6,817,000	2,367
Provision for loan and lease losses	$90,000	2,817
Total noninterest income	$1,192,000	2,413
Gross Fiduciary activities income	$25,000	907
Service charges on deposit accounts	$414,000	1,928
Trading account gains and fees	$0	169
Additional Noninterest Income	$753,000	2,396
Total noninterest expense	$4,269,000	2,941
Salaries and employee benefits	$2,273,000	3,005
Premises and equipment expense	$302,000	3,789
Additional noninterest expense	$1,694,000	2,529
Pre-tax net operating income	$3,650,000	1,675
Securities gains (losses)	$10,000	2,582
Applicable income taxes	$955,000	1,455
Income before extraordinary items	$2,705,000	1,830
Extraordinary gains, net	$0	5
Net income	$2,705,000	1,830
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,705,000	1,830
Net charge-offs	$49,000	2,600
Cash dividends	$49,000	3,658
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,697,600	1,782
2016-06-30 (YTD Data)		Rank
Total interest income	$4,882,000	2,453
Total interest expense	$364,000	2,980
Net interest income	$4,518,000	2,393
Provision for loan and lease losses	$60,000	2,701
Total noninterest income	$772,000	2,434
Gross Fiduciary activities income	$19,000	907
Service charges on deposit accounts	$267,000	1,961
Trading account gains and fees	$0	157
Additional Noninterest Income	$486,000	2,416
Total noninterest expense	$2,812,000	2,973
Salaries and employee benefits	$1,505,000	3,042
Premises and equipment expense	$198,000	3,837
Additional noninterest expense	$1,109,000	2,555
Pre-tax net operating income	$2,418,000	1,676
Securities gains (losses)	$5,000	2,477
Applicable income taxes	$633,000	1,448
Income before extraordinary items	$1,790,000	1,825
Extraordinary gains, net	$0	16
Net income	$1,790,000	1,824
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,790,000	1,824
Net charge-offs	$29,000	2,534
Cash dividends	$24,000	3,576
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,786,300	1,777
2016-03-31 (YTD Data)		Rank
Total interest income	$2,424,000	2,461
Total interest expense	$178,000	3,047
Net interest income	$2,246,000	2,405
Provision for loan and lease losses	$30,000	2,510
Total noninterest income	$375,000	2,440
Gross Fiduciary activities income	$13,000	872
Service charges on deposit accounts	$128,000	2,012
Trading account gains and fees	$0	142
Additional Noninterest Income	$234,000	2,421
Total noninterest expense	$1,403,000	3,007
Salaries and employee benefits	$763,000	3,038
Premises and equipment expense	$100,000	3,866
Additional noninterest expense	$540,000	2,617
Pre-tax net operating income	$1,188,000	1,691
Securities gains (losses)	$4,000	1,767
Applicable income taxes	$312,000	1,438
Income before extraordinary items	$880,000	1,819
Extraordinary gains, net	$0	12
Net income	$880,000	1,820
Minority interest net income	$0	62
Net income of bank and minority interests.	$880,000	1,820
Net charge-offs	$8,000	2,423
Cash dividends	$6,000	2,869
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$877,040	1,779
2015-12-31 (YTD Data)		Rank
Total interest income	$9,377,000	2,502
Total interest expense	$693,000	3,086
Net interest income	$8,684,000	2,404
Provision for loan and lease losses	$120,000	2,830
Total noninterest income	$1,601,000	2,405
Gross Fiduciary activities income	$29,000	950
Service charges on deposit accounts	$600,000	1,832
Trading account gains and fees	$0	159
Additional Noninterest Income	$972,000	2,403
Total noninterest expense	$5,320,000	3,090
Salaries and employee benefits	$2,898,000	3,092
Premises and equipment expense	$363,000	4,083
Additional noninterest expense	$2,059,000	2,745
Pre-tax net operating income	$4,845,000	1,615
Securities gains (losses)	$-23,000	5,950
Applicable income taxes	$1,308,000	1,338
Income before extraordinary items	$3,514,000	1,784
Extraordinary gains, net	$0	23
Net income	$3,514,000	1,785
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,514,000	1,786
Net charge-offs	$39,000	3,421
Cash dividends	$750,000	2,459
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,530,790	1,751
2015-09-30 (YTD Data)		Rank
Total interest income	$6,993,000	2,532
Total interest expense	$521,000	3,116
Net interest income	$6,472,000	2,430
Provision for loan and lease losses	$90,000	2,744
Total noninterest income	$1,202,000	2,422
Gross Fiduciary activities income	$23,000	938
Service charges on deposit accounts	$446,000	1,865
Trading account gains and fees	$0	153
Additional Noninterest Income	$733,000	2,425
Total noninterest expense	$4,026,000	3,098
Salaries and employee benefits	$2,153,000	3,139
Premises and equipment expense	$307,000	3,912
Additional noninterest expense	$1,566,000	2,701
Pre-tax net operating income	$3,558,000	1,662
Securities gains (losses)	$20,000	2,017
Applicable income taxes	$973,000	1,397
Income before extraordinary items	$2,605,000	1,829
Extraordinary gains, net	$0	21
Net income	$2,605,000	1,830
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,605,000	1,831
Net charge-offs	$31,000	3,098
Cash dividends	$35,000	3,711
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,590,400	1,803
2015-06-30 (YTD Data)		Rank
Total interest income	$4,622,000	2,549
Total interest expense	$347,000	3,144
Net interest income	$4,275,000	2,451
Provision for loan and lease losses	$60,000	2,661
Total noninterest income	$789,000	2,441
Gross Fiduciary activities income	$16,000	944
Service charges on deposit accounts	$279,000	1,924
Trading account gains and fees	$0	157
Additional Noninterest Income	$494,000	2,426
Total noninterest expense	$2,636,000	3,154
Salaries and employee benefits	$1,398,000	3,212
Premises and equipment expense	$199,000	3,995
Additional noninterest expense	$1,039,000	2,722
Pre-tax net operating income	$2,368,000	1,650
Securities gains (losses)	$1,000	2,511
Applicable income taxes	$647,000	1,391
Income before extraordinary items	$1,722,000	1,837
Extraordinary gains, net	$0	22
Net income	$1,722,000	1,840
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,722,000	1,841
Net charge-offs	$8,000	3,322
Cash dividends	$24,000	3,587
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,721,270	1,793
2015-03-31 (YTD Data)		Rank
Total interest income	$2,301,000	2,555
Total interest expense	$175,000	3,147
Net interest income	$2,126,000	2,467
Provision for loan and lease losses	$30,000	2,461
Total noninterest income	$388,000	2,434
Gross Fiduciary activities income	$11,000	919
Service charges on deposit accounts	$125,000	2,093
Trading account gains and fees	$0	152
Additional Noninterest Income	$252,000	2,339
Total noninterest expense	$1,304,000	3,196
Salaries and employee benefits	$703,000	3,230
Premises and equipment expense	$100,000	4,027
Additional noninterest expense	$501,000	2,791
Pre-tax net operating income	$1,180,000	1,616
Securities gains (losses)	$3,000	1,758
Applicable income taxes	$324,000	1,368
Income before extraordinary items	$859,000	1,820
Extraordinary gains, net	$0	13
Net income	$859,000	1,822
Minority interest net income	$0	64
Net income of bank and minority interests.	$859,000	1,822
Net charge-offs	$9,000	2,520
Cash dividends	$10,000	2,841
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$856,810	1,758
2014-12-31 (YTD Data)		Rank
Total interest income	$9,275,000	2,573
Total interest expense	$782,000	3,077
Net interest income	$8,493,000	2,492
Provision for loan and lease losses	$120,000	2,961
Total noninterest income	$1,638,000	2,389
Gross Fiduciary activities income	$27,000	993
Service charges on deposit accounts	$651,000	1,837
Trading account gains and fees	$0	180
Additional Noninterest Income	$960,000	2,377
Total noninterest expense	$5,290,000	3,185
Salaries and employee benefits	$2,780,000	3,238
Premises and equipment expense	$356,000	4,332
Additional noninterest expense	$2,154,000	2,725
Pre-tax net operating income	$4,721,000	1,609
Securities gains (losses)	$7,000	2,776
Applicable income taxes	$1,327,000	1,294
Income before extraordinary items	$3,401,000	1,820
Extraordinary gains, net	$0	17
Net income	$3,401,000	1,820
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,401,000	1,819
Net charge-offs	$33,000	4,049
Cash dividends	$725,000	2,424
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,395,960	1,792
2014-09-30 (YTD Data)		Rank
Total interest income	$6,940,000	2,594
Total interest expense	$592,000	3,122
Net interest income	$6,348,000	2,512
Provision for loan and lease losses	$90,000	2,885
Total noninterest income	$1,221,000	2,413
Gross Fiduciary activities income	$22,000	972
Service charges on deposit accounts	$486,000	1,854
Trading account gains and fees	$0	174
Additional Noninterest Income	$713,000	2,414
Total noninterest expense	$3,826,000	3,289
Salaries and employee benefits	$1,987,000	3,365
Premises and equipment expense	$323,000	3,986
Additional noninterest expense	$1,516,000	2,855
Pre-tax net operating income	$3,653,000	1,572
Securities gains (losses)	$6,000	2,508
Applicable income taxes	$1,067,000	1,253
Income before extraordinary items	$2,592,000	1,799
Extraordinary gains, net	$0	15
Net income	$2,592,000	1,799
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,592,000	1,798
Net charge-offs	$38,000	3,448
Cash dividends	$16,000	3,795
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,587,740	1,763
2014-06-30 (YTD Data)		Rank
Total interest income	$4,592,000	2,610
Total interest expense	$397,000	3,148
Net interest income	$4,195,000	2,523
Provision for loan and lease losses	$60,000	2,755
Total noninterest income	$802,000	2,405
Gross Fiduciary activities income	$17,000	962
Service charges on deposit accounts	$313,000	1,885
Trading account gains and fees	$0	172
Additional Noninterest Income	$472,000	2,386
Total noninterest expense	$2,511,000	3,338
Salaries and employee benefits	$1,306,000	3,417
Premises and equipment expense	$218,000	4,003
Additional noninterest expense	$987,000	2,914
Pre-tax net operating income	$2,426,000	1,537
Securities gains (losses)	$1,000	2,460
Applicable income taxes	$713,000	1,230
Income before extraordinary items	$1,714,000	1,761
Extraordinary gains, net	$0	20
Net income	$1,714,000	1,764
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,714,000	1,763
Net charge-offs	$28,000	3,210
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,713,290	1,719
2014-03-31 (YTD Data)		Rank
Total interest income	$2,279,000	2,617
Total interest expense	$201,000	3,163
Net interest income	$2,078,000	2,540
Provision for loan and lease losses	$30,000	2,577
Total noninterest income	$394,000	2,392
Gross Fiduciary activities income	$11,000	936
Service charges on deposit accounts	$148,000	1,957
Trading account gains and fees	$0	147
Additional Noninterest Income	$235,000	2,327
Total noninterest expense	$1,247,000	3,385
Salaries and employee benefits	$659,000	3,427
Premises and equipment expense	$110,000	4,008
Additional noninterest expense	$478,000	2,989
Pre-tax net operating income	$1,195,000	1,516
Securities gains (losses)	$2,000	1,528
Applicable income taxes	$351,000	1,193
Income before extraordinary items	$846,000	1,722
Extraordinary gains, net	$0	16
Net income	$846,000	1,726
Minority interest net income	$0	66
Net income of bank and minority interests.	$846,000	1,725
Net charge-offs	$4,000	3,176
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$844,580	1,698
2013-12-31 (YTD Data)		Rank
Total interest income	$9,172,000	2,629
Total interest expense	$847,000	3,316
Net interest income	$8,325,000	2,508
Provision for loan and lease losses	$120,000	3,475
Total noninterest income	$1,617,000	2,467
Gross Fiduciary activities income	$24,000	1,024
Service charges on deposit accounts	$690,000	1,850
Trading account gains and fees	$0	184
Additional Noninterest Income	$903,000	2,505
Total noninterest expense	$5,224,000	3,302
Salaries and employee benefits	$2,853,000	3,213
Premises and equipment expense	$355,000	4,497
Additional noninterest expense	$2,016,000	2,949
Pre-tax net operating income	$4,598,000	1,519
Securities gains (losses)	$32,000	2,090
Applicable income taxes	$1,334,000	1,217
Income before extraordinary items	$3,296,000	1,754
Extraordinary gains, net	$0	29
Net income	$3,296,000	1,757
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,296,000	1,757
Net charge-offs	$44,000	4,431
Cash dividends	$634,000	2,482
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$3,273,280	1,736
2013-09-30 (YTD Data)		Rank
Total interest income	$6,859,000	2,655
Total interest expense	$648,000	3,358
Net interest income	$6,211,000	2,533
Provision for loan and lease losses	$90,000	3,447
Total noninterest income	$1,180,000	2,559
Gross Fiduciary activities income	$20,000	1,003
Service charges on deposit accounts	$517,000	1,860
Trading account gains and fees	$0	180
Additional Noninterest Income	$643,000	2,626
Total noninterest expense	$3,817,000	3,375
Salaries and employee benefits	$2,031,000	3,359
Premises and equipment expense	$312,000	4,172
Additional noninterest expense	$1,474,000	3,013
Pre-tax net operating income	$3,484,000	1,543
Securities gains (losses)	$29,000	2,014
Applicable income taxes	$1,010,000	1,238
Income before extraordinary items	$2,503,000	1,769
Extraordinary gains, net	$0	25
Net income	$2,503,000	1,773
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,503,000	1,774
Net charge-offs	$22,000	4,361
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,482,410	1,742
2013-06-30 (YTD Data)		Rank
Total interest income	$4,533,000	2,674
Total interest expense	$436,000	3,402
Net interest income	$4,097,000	2,553
Provision for loan and lease losses	$60,000	3,384
Total noninterest income	$750,000	2,649
Gross Fiduciary activities income	$16,000	989
Service charges on deposit accounts	$328,000	1,903
Trading account gains and fees	$0	157
Additional Noninterest Income	$406,000	2,784
Total noninterest expense	$2,507,000	3,413
Salaries and employee benefits	$1,341,000	3,398
Premises and equipment expense	$207,000	4,197
Additional noninterest expense	$959,000	3,059
Pre-tax net operating income	$2,280,000	1,553
Securities gains (losses)	$29,000	1,835
Applicable income taxes	$661,000	1,247
Income before extraordinary items	$1,648,000	1,770
Extraordinary gains, net	$0	22
Net income	$1,648,000	1,775
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,648,000	1,776
Net charge-offs	$21,000	3,979
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,627,410	1,738
2013-03-31 (YTD Data)		Rank
Total interest income	$2,245,000	2,712
Total interest expense	$223,000	3,424
Net interest income	$2,022,000	2,591
Provision for loan and lease losses	$30,000	3,174
Total noninterest income	$365,000	2,702
Gross Fiduciary activities income	$10,000	966
Service charges on deposit accounts	$152,000	2,015
Trading account gains and fees	$0	148
Additional Noninterest Income	$203,000	2,760
Total noninterest expense	$1,273,000	3,407
Salaries and employee benefits	$688,000	3,359
Premises and equipment expense	$102,000	4,259
Additional noninterest expense	$483,000	3,076
Pre-tax net operating income	$1,084,000	1,595
Securities gains (losses)	$0	1,966
Applicable income taxes	$308,000	1,296
Income before extraordinary items	$776,000	1,830
Extraordinary gains, net	$0	10
Net income	$776,000	1,831
Minority interest net income	$0	76
Net income of bank and minority interests.	$776,000	1,832
Net charge-offs	$-1,000	5,189
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$776,000	1,758
2012-12-31 (YTD Data)		Rank
Total interest income	$9,116,000	2,799
Total interest expense	$1,229,000	3,152
Net interest income	$7,887,000	2,695
Provision for loan and lease losses	$310,000	3,317
Total noninterest income	$1,474,000	2,644
Gross Fiduciary activities income	$25,000	1,044
Service charges on deposit accounts	$650,000	2,023
Trading account gains and fees	$0	166
Additional Noninterest Income	$799,000	2,686
Total noninterest expense	$4,885,000	3,529
Salaries and employee benefits	$2,686,000	3,384
Premises and equipment expense	$363,000	4,515
Additional noninterest expense	$1,836,000	3,296
Pre-tax net operating income	$4,166,000	1,595
Securities gains (losses)	$19,000	3,187
Applicable income taxes	$1,094,000	1,382
Income before extraordinary items	$3,091,000	1,805
Extraordinary gains, net	$0	29
Net income	$3,091,000	1,804
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,091,000	1,805
Net charge-offs	$27,000	5,259
Cash dividends	$652,000	2,463
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,076,940	1,717
2012-09-30 (YTD Data)		Rank
Total interest income	$6,843,000	2,856
Total interest expense	$965,000	3,156
Net interest income	$5,878,000	2,752
Provision for loan and lease losses	$270,000	3,108
Total noninterest income	$1,118,000	2,625
Gross Fiduciary activities income	$21,000	1,020
Service charges on deposit accounts	$474,000	2,084
Trading account gains and fees	$0	157
Additional Noninterest Income	$623,000	2,622
Total noninterest expense	$3,371,000	3,773
Salaries and employee benefits	$1,754,000	3,750
Premises and equipment expense	$308,000	4,294
Additional noninterest expense	$1,309,000	3,427
Pre-tax net operating income	$3,355,000	1,547
Securities gains (losses)	$19,000	2,887
Applicable income taxes	$928,000	1,301
Income before extraordinary items	$2,446,000	1,788
Extraordinary gains, net	$0	20
Net income	$2,446,000	1,787
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,446,000	1,789
Net charge-offs	$27,000	4,919
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,432,320	1,692
2012-06-30 (YTD Data)		Rank
Total interest income	$4,520,000	2,893
Total interest expense	$661,000	3,184
Net interest income	$3,859,000	2,792
Provision for loan and lease losses	$190,000	3,050
Total noninterest income	$726,000	2,641
Gross Fiduciary activities income	$17,000	1,004
Service charges on deposit accounts	$304,000	2,136
Trading account gains and fees	$0	153
Additional Noninterest Income	$405,000	2,632
Total noninterest expense	$2,197,000	3,845
Salaries and employee benefits	$1,149,000	3,815
Premises and equipment expense	$197,000	4,403
Additional noninterest expense	$851,000	3,523
Pre-tax net operating income	$2,198,000	1,572
Securities gains (losses)	$0	3,178
Applicable income taxes	$610,000	1,305
Income before extraordinary items	$1,588,000	1,798
Extraordinary gains, net	$0	19
Net income	$1,588,000	1,795
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,588,000	1,798
Net charge-offs	$9,000	4,968
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,588,000	1,714
2012-03-31 (YTD Data)		Rank
Total interest income	$2,234,000	2,951
Total interest expense	$335,000	3,262
Net interest income	$1,899,000	2,843
Provision for loan and lease losses	$100,000	2,838
Total noninterest income	$354,000	2,670
Gross Fiduciary activities income	$11,000	973
Service charges on deposit accounts	$143,000	2,221
Trading account gains and fees	$0	148
Additional Noninterest Income	$200,000	2,660
Total noninterest expense	$1,102,000	3,844
Salaries and employee benefits	$594,000	3,762
Premises and equipment expense	$95,000	4,508
Additional noninterest expense	$413,000	3,565
Pre-tax net operating income	$1,051,000	1,609
Securities gains (losses)	$0	2,210
Applicable income taxes	$297,000	1,311
Income before extraordinary items	$754,000	1,882
Extraordinary gains, net	$0	19
Net income	$754,000	1,884
Minority interest net income	$0	78
Net income of bank and minority interests.	$754,000	1,885
Net charge-offs	$15,000	3,852
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$754,000	1,778
2011-12-31 (YTD Data)		Rank
Total interest income	$8,557,000	3,145
Total interest expense	$1,375,000	3,648
Net interest income	$7,182,000	3,002
Provision for loan and lease losses	$440,000	3,626
Total noninterest income	$1,326,000	2,629
Gross Fiduciary activities income	$17,000	1,051
Service charges on deposit accounts	$626,000	2,165
Trading account gains and fees	$0	146
Additional Noninterest Income	$683,000	2,672
Total noninterest expense	$4,353,000	3,889
Salaries and employee benefits	$2,285,000	3,811
Premises and equipment expense	$331,000	5,015
Additional noninterest expense	$1,737,000	3,511
Pre-tax net operating income	$3,715,000	1,516
Securities gains (losses)	$30,000	2,902
Applicable income taxes	$1,107,000	1,261
Income before extraordinary items	$2,638,000	1,802
Extraordinary gains, net	$0	29
Net income	$2,638,000	1,803
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,638,000	1,803
Net charge-offs	$502,000	3,161
Cash dividends	$518,000	2,389
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,617,000	1,734
2011-09-30 (YTD Data)		Rank
Total interest income	$6,358,000	3,203
Total interest expense	$1,040,000	3,737
Net interest income	$5,318,000	3,054
Provision for loan and lease losses	$320,000	3,519
Total noninterest income	$1,058,000	2,535
Gross Fiduciary activities income	$12,000	1,022
Service charges on deposit accounts	$474,000	2,167
Trading account gains and fees	$0	145
Additional Noninterest Income	$572,000	2,489
Total noninterest expense	$3,149,000	3,986
Salaries and employee benefits	$1,579,000	4,034
Premises and equipment expense	$277,000	4,806
Additional noninterest expense	$1,293,000	3,506
Pre-tax net operating income	$2,907,000	1,523
Securities gains (losses)	$0	3,555
Applicable income taxes	$862,000	1,212
Income before extraordinary items	$2,045,000	1,804
Extraordinary gains, net	$0	21
Net income	$2,045,000	1,804
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,045,000	1,804
Net charge-offs	$442,000	2,807
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,045,000	1,728
2011-06-30 (YTD Data)		Rank
Total interest income	$4,194,000	3,262
Total interest expense	$688,000	3,858
Net interest income	$3,506,000	3,077
Provision for loan and lease losses	$200,000	3,519
Total noninterest income	$681,000	2,589
Gross Fiduciary activities income	$9,000	1,026
Service charges on deposit accounts	$304,000	2,208
Trading account gains and fees	$0	153
Additional Noninterest Income	$368,000	2,561
Total noninterest expense	$2,063,000	4,077
Salaries and employee benefits	$1,025,000	4,142
Premises and equipment expense	$180,000	4,896
Additional noninterest expense	$858,000	3,569
Pre-tax net operating income	$1,924,000	1,503
Securities gains (losses)	$0	2,914
Applicable income taxes	$575,000	1,186
Income before extraordinary items	$1,349,000	1,768
Extraordinary gains, net	$0	15
Net income	$1,349,000	1,768
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,349,000	1,768
Net charge-offs	$324,000	2,608
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,349,000	1,695
2011-03-31 (YTD Data)		Rank
Total interest income	$2,060,000	3,324
Total interest expense	$348,000	3,931
Net interest income	$1,712,000	3,137
Provision for loan and lease losses	$90,000	3,467
Total noninterest income	$319,000	2,730
Gross Fiduciary activities income	$7,000	973
Service charges on deposit accounts	$133,000	2,407
Trading account gains and fees	$0	158
Additional Noninterest Income	$179,000	2,630
Total noninterest expense	$1,012,000	4,151
Salaries and employee benefits	$501,000	4,228
Premises and equipment expense	$87,000	5,036
Additional noninterest expense	$424,000	3,591
Pre-tax net operating income	$929,000	1,549
Securities gains (losses)	$0	1,772
Applicable income taxes	$278,000	1,190
Income before extraordinary items	$651,000	1,792
Extraordinary gains, net	$0	9
Net income	$651,000	1,791
Minority interest net income	$0	86
Net income of bank and minority interests.	$651,000	1,792
Net charge-offs	$36,000	3,608
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$651,000	1,739
2010-12-31 (YTD Data)		Rank
Total interest income	$8,078,000	3,529
Total interest expense	$1,579,000	4,141
Net interest income	$6,499,000	3,265
Provision for loan and lease losses	$309,000	4,804
Total noninterest income	$1,262,000	2,823
Gross Fiduciary activities income	$13,000	1,118
Service charges on deposit accounts	$622,000	2,227
Trading account gains and fees	$0	175
Additional Noninterest Income	$627,000	2,844
Total noninterest expense	$4,300,000	4,016
Salaries and employee benefits	$2,233,000	3,921
Premises and equipment expense	$351,000	5,050
Additional noninterest expense	$1,716,000	3,654
Pre-tax net operating income	$3,152,000	1,558
Securities gains (losses)	$4,000	3,501
Applicable income taxes	$927,000	1,302
Income before extraordinary items	$2,229,000	1,837
Extraordinary gains, net	$0	29
Net income	$2,229,000	1,838
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,229,000	1,839
Net charge-offs	$210,000	4,721
Cash dividends	$441,000	2,514
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,226,160	1,768
2010-09-30 (YTD Data)		Rank
Total interest income	$6,017,000	3,609
Total interest expense	$1,209,000	4,232
Net interest income	$4,808,000	3,350
Provision for loan and lease losses	$224,000	4,755
Total noninterest income	$953,000	2,823
Gross Fiduciary activities income	$11,000	1,082
Service charges on deposit accounts	$483,000	2,225
Trading account gains and fees	$0	165
Additional Noninterest Income	$459,000	2,891
Total noninterest expense	$3,078,000	4,149
Salaries and employee benefits	$1,547,000	4,180
Premises and equipment expense	$268,000	5,094
Additional noninterest expense	$1,263,000	3,680
Pre-tax net operating income	$2,459,000	1,608
Securities gains (losses)	$0	3,651
Applicable income taxes	$728,000	1,293
Income before extraordinary items	$1,731,000	1,905
Extraordinary gains, net	$0	23
Net income	$1,731,000	1,906
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,731,000	1,907
Net charge-offs	$135,000	4,609
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,731,000	1,807
2010-06-30 (YTD Data)		Rank
Total interest income	$3,945,000	3,694
Total interest expense	$820,000	4,278
Net interest income	$3,125,000	3,426
Provision for loan and lease losses	$139,000	4,733
Total noninterest income	$629,000	2,781
Gross Fiduciary activities income	$9,000	1,074
Service charges on deposit accounts	$325,000	2,211
Trading account gains and fees	$0	152
Additional Noninterest Income	$295,000	2,863
Total noninterest expense	$2,051,000	4,167
Salaries and employee benefits	$1,011,000	4,264
Premises and equipment expense	$177,000	5,149
Additional noninterest expense	$863,000	3,598
Pre-tax net operating income	$1,564,000	1,664
Securities gains (losses)	$0	3,184
Applicable income taxes	$465,000	1,291
Income before extraordinary items	$1,099,000	1,953
Extraordinary gains, net	$0	19
Net income	$1,099,000	1,953
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,099,000	1,953
Net charge-offs	$115,000	4,099
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,099,000	1,858
2010-03-31 (YTD Data)		Rank
Total interest income	$1,932,000	3,810
Total interest expense	$414,000	4,384
Net interest income	$1,518,000	3,522
Provision for loan and lease losses	$49,000	4,902
Total noninterest income	$296,000	2,891
Gross Fiduciary activities income	$9,000	991
Service charges on deposit accounts	$150,000	2,342
Trading account gains and fees	$0	175
Additional Noninterest Income	$137,000	2,999
Total noninterest expense	$1,040,000	4,167
Salaries and employee benefits	$509,000	4,295
Premises and equipment expense	$85,000	5,323
Additional noninterest expense	$446,000	3,484
Pre-tax net operating income	$725,000	1,764
Securities gains (losses)	$0	2,284
Applicable income taxes	$213,000	1,360
Income before extraordinary items	$512,000	2,109
Extraordinary gains, net	$0	16
Net income	$512,000	2,108
Minority interest net income	$0	91
Net income of bank and minority interests.	$512,000	2,109
Net charge-offs	$71,000	3,425
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$512,000	2,019
2009-12-31 (YTD Data)		Rank
Total interest income	$7,572,000	3,969
Total interest expense	$1,833,000	4,694
Net interest income	$5,739,000	3,584
Provision for loan and lease losses	$193,000	5,830
Total noninterest income	$1,233,000	2,919
Gross Fiduciary activities income	$53,000	956
Service charges on deposit accounts	$652,000	2,390
Trading account gains and fees	$0	211
Additional Noninterest Income	$528,000	3,115
Total noninterest expense	$4,078,000	4,283
Salaries and employee benefits	$2,129,000	4,163
Premises and equipment expense	$364,000	5,226
Additional noninterest expense	$1,585,000	3,931
Pre-tax net operating income	$2,701,000	1,482
Securities gains (losses)	$27,000	2,927
Applicable income taxes	$806,000	1,128
Income before extraordinary items	$1,922,000	1,748
Extraordinary gains, net	$0	34
Net income	$1,922,000	1,747
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,922,000	1,748
Net charge-offs	$80,000	5,883
Cash dividends	$378,000	2,937
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,903,100	1,715
2009-09-30 (YTD Data)		Rank
Total interest income	$5,638,000	4,042
Total interest expense	$1,409,000	4,769
Net interest income	$4,229,000	3,646
Provision for loan and lease losses	$132,000	5,670
Total noninterest income	$923,000	2,980
Gross Fiduciary activities income	$30,000	974
Service charges on deposit accounts	$488,000	2,404
Trading account gains and fees	$0	212
Additional Noninterest Income	$405,000	3,159
Total noninterest expense	$2,948,000	4,403
Salaries and employee benefits	$1,474,000	4,445
Premises and equipment expense	$259,000	5,391
Additional noninterest expense	$1,215,000	3,843
Pre-tax net operating income	$2,072,000	1,570
Securities gains (losses)	$27,000	2,619
Applicable income taxes	$624,000	1,197
Income before extraordinary items	$1,475,000	1,813
Extraordinary gains, net	$0	27
Net income	$1,475,000	1,812
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,475,000	1,813
Net charge-offs	$42,000	5,803
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,456,100	1,783
2009-06-30 (YTD Data)		Rank
Total interest income	$3,719,000	4,105
Total interest expense	$960,000	4,835
Net interest income	$2,759,000	3,691
Provision for loan and lease losses	$84,000	5,546
Total noninterest income	$601,000	3,045
Gross Fiduciary activities income	$10,000	1,074
Service charges on deposit accounts	$305,000	2,507
Trading account gains and fees	$0	193
Additional Noninterest Income	$286,000	3,086
Total noninterest expense	$1,915,000	4,502
Salaries and employee benefits	$954,000	4,580
Premises and equipment expense	$173,000	5,437
Additional noninterest expense	$788,000	3,913
Pre-tax net operating income	$1,361,000	1,662
Securities gains (losses)	$0	3,136
Applicable income taxes	$404,000	1,259
Income before extraordinary items	$957,000	1,914
Extraordinary gains, net	$0	21
Net income	$957,000	1,911
Minority interest net income	$0	112
Net income of bank and minority interests.	$957,000	1,913
Net charge-offs	$24,000	5,489
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$957,000	1,857
2009-03-31 (YTD Data)		Rank
Total interest income	$1,842,000	4,169
Total interest expense	$488,000	4,897
Net interest income	$1,354,000	3,728
Provision for loan and lease losses	$36,000	5,276
Total noninterest income	$294,000	3,063
Gross Fiduciary activities income	$8,000	1,010
Service charges on deposit accounts	$144,000	2,555
Trading account gains and fees	$0	171
Additional Noninterest Income	$142,000	3,056
Total noninterest expense	$939,000	4,491
Salaries and employee benefits	$472,000	4,662
Premises and equipment expense	$83,000	5,572
Additional noninterest expense	$384,000	3,698
Pre-tax net operating income	$673,000	1,865
Securities gains (losses)	$0	2,434
Applicable income taxes	$198,000	1,471
Income before extraordinary items	$475,000	2,234
Extraordinary gains, net	$0	15
Net income	$475,000	2,234
Minority interest net income	$0	102
Net income of bank and minority interests.	$475,000	2,236
Net charge-offs	$3,000	5,319
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$475,000	2,102
2008-12-31 (YTD Data)		Rank
Total interest income	$7,537,000	4,289
Total interest expense	$2,483,000	4,762
Net interest income	$5,054,000	3,922
Provision for loan and lease losses	$280,000	4,739
Total noninterest income	$1,162,000	3,101
Gross Fiduciary activities income	$16,000	1,141
Service charges on deposit accounts	$704,000	2,335
Trading account gains and fees	$0	154
Additional Noninterest Income	$442,000	3,410
Total noninterest expense	$3,678,000	4,487
Salaries and employee benefits	$2,022,000	4,407
Premises and equipment expense	$330,000	5,566
Additional noninterest expense	$1,326,000	3,961
Pre-tax net operating income	$2,258,000	2,259
Securities gains (losses)	$0	3,220
Applicable income taxes	$676,000	1,560
Income before extraordinary items	$1,582,000	2,421
Extraordinary gains, net	$0	39
Net income	$1,582,000	2,420
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$195,000	4,126
Cash dividends	$375,000	3,779
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,582,000	2,561
2008-09-30 (YTD Data)		Rank
Total interest income	$5,638,000	4,365
Total interest expense	$1,937,000	4,776
Net interest income	$3,701,000	4,000
Provision for loan and lease losses	$185,000	4,316
Total noninterest income	$862,000	3,189
Gross Fiduciary activities income	$15,000	1,088
Service charges on deposit accounts	$532,000	2,336
Trading account gains and fees	$0	148
Additional Noninterest Income	$315,000	3,606
Total noninterest expense	$2,610,000	4,649
Salaries and employee benefits	$1,417,000	4,658
Premises and equipment expense	$223,000	5,829
Additional noninterest expense	$970,000	3,953
Pre-tax net operating income	$1,768,000	2,511
Securities gains (losses)	$0	3,106
Applicable income taxes	$532,000	1,824
Income before extraordinary items	$1,236,000	2,702
Extraordinary gains, net	$0	31
Net income	$1,236,000	2,699
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$125,000	3,676
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,236,000	2,843
2008-06-30 (YTD Data)		Rank
Total interest income	$3,756,000	4,426
Total interest expense	$1,359,000	4,776
Net interest income	$2,397,000	4,085
Provision for loan and lease losses	$90,000	4,395
Total noninterest income	$575,000	3,212
Gross Fiduciary activities income	$13,000	1,082
Service charges on deposit accounts	$337,000	2,415
Trading account gains and fees	$0	149
Additional Noninterest Income	$225,000	3,538
Total noninterest expense	$1,717,000	4,711
Salaries and employee benefits	$944,000	4,711
Premises and equipment expense	$148,000	5,864
Additional noninterest expense	$625,000	4,050
Pre-tax net operating income	$1,165,000	2,637
Securities gains (losses)	$0	3,233
Applicable income taxes	$347,000	2,031
Income before extraordinary items	$818,000	2,997
Extraordinary gains, net	$0	21
Net income	$818,000	2,999
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	3,549
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$818,000	2,956
2008-03-31 (YTD Data)		Rank
Total interest income	$1,923,000	4,434
Total interest expense	$757,000	4,665
Net interest income	$1,166,000	4,181
Provision for loan and lease losses	$30,000	4,346
Total noninterest income	$283,000	3,253
Gross Fiduciary activities income	$13,000	995
Service charges on deposit accounts	$189,000	2,180
Trading account gains and fees	$0	158
Additional Noninterest Income	$81,000	4,169
Total noninterest expense	$862,000	4,716
Salaries and employee benefits	$482,000	4,677
Premises and equipment expense	$74,000	5,910
Additional noninterest expense	$306,000	4,051
Pre-tax net operating income	$557,000	2,858
Securities gains (losses)	$0	2,688
Applicable income taxes	$166,000	2,194
Income before extraordinary items	$391,000	3,240
Extraordinary gains, net	$0	15
Net income	$391,000	3,242
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	3,724
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$391,000	3,166
2007-12-31 (YTD Data)		Rank
Total interest income	$7,644,000	4,493
Total interest expense	$3,251,000	4,552
Net interest income	$4,393,000	4,362
Provision for loan and lease losses	$165,000	4,187
Total noninterest income	$1,147,000	3,230
Gross Fiduciary activities income	$6,000	1,314
Service charges on deposit accounts	$856,000	2,015
Trading account gains and fees	$0	178
Additional Noninterest Income	$285,000	4,339
Total noninterest expense	$3,402,000	4,621
Salaries and employee benefits	$1,833,000	4,688
Premises and equipment expense	$301,000	5,764
Additional noninterest expense	$1,268,000	3,919
Pre-tax net operating income	$1,973,000	3,343
Securities gains (losses)	$0	2,146
Applicable income taxes	$605,000	2,492
Income before extraordinary items	$1,368,000	3,633
Extraordinary gains, net	$0	39
Net income	$1,368,000	3,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	4,631
Cash dividends	$273,000	4,552
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,368,000	3,623
2007-09-30 (YTD Data)		Rank
Total interest income	$5,652,000	4,552
Total interest expense	$2,419,000	4,578
Net interest income	$3,233,000	4,436
Provision for loan and lease losses	$125,000	3,799
Total noninterest income	$843,000	3,282
Gross Fiduciary activities income	$4,000	1,292
Service charges on deposit accounts	$628,000	2,031
Trading account gains and fees	$0	184
Additional Noninterest Income	$211,000	4,386
Total noninterest expense	$2,486,000	4,683
Salaries and employee benefits	$1,286,000	4,881
Premises and equipment expense	$242,000	5,589
Additional noninterest expense	$958,000	3,832
Pre-tax net operating income	$1,465,000	3,533
Securities gains (losses)	$0	1,655
Applicable income taxes	$447,000	2,676
Income before extraordinary items	$1,018,000	3,851
Extraordinary gains, net	$0	33
Net income	$1,018,000	3,850
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	4,091
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,018,000	3,838
2007-06-30 (YTD Data)		Rank
Total interest income	$3,689,000	4,623
Total interest expense	$1,586,000	4,614
Net interest income	$2,103,000	4,545
Provision for loan and lease losses	$70,000	3,835
Total noninterest income	$564,000	3,294
Gross Fiduciary activities income	$4,000	1,255
Service charges on deposit accounts	$409,000	2,072
Trading account gains and fees	$0	168
Additional Noninterest Income	$151,000	4,293
Total noninterest expense	$1,674,000	4,653
Salaries and employee benefits	$855,000	4,919
Premises and equipment expense	$150,000	5,809
Additional noninterest expense	$669,000	3,686
Pre-tax net operating income	$923,000	3,708
Securities gains (losses)	$0	1,444
Applicable income taxes	$281,000	2,817
Income before extraordinary items	$642,000	4,026
Extraordinary gains, net	$0	29
Net income	$642,000	4,026
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,059
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$642,000	4,013
2007-03-31 (YTD Data)		Rank
Total interest income	$1,791,000	4,707
Total interest expense	$762,000	4,721
Net interest income	$1,029,000	4,605
Provision for loan and lease losses	$40,000	3,421
Total noninterest income	$265,000	3,385
Gross Fiduciary activities income	$3,000	1,184
Service charges on deposit accounts	$184,000	2,212
Trading account gains and fees	$0	195
Additional Noninterest Income	$78,000	4,266
Total noninterest expense	$830,000	4,692
Salaries and employee benefits	$447,000	4,805
Premises and equipment expense	$73,000	5,929
Additional noninterest expense	$310,000	3,875
Pre-tax net operating income	$424,000	3,868
Securities gains (losses)	$0	1,187
Applicable income taxes	$128,000	2,948
Income before extraordinary items	$296,000	4,203
Extraordinary gains, net	$0	22
Net income	$296,000	4,205
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	3,481
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$296,000	4,184
2006-12-31 (YTD Data)		Rank
Total interest income	$6,552,000	4,742
Total interest expense	$2,538,000	4,781
Net interest income	$4,014,000	4,651
Provision for loan and lease losses	$195,000	3,582
Total noninterest income	$940,000	3,690
Gross Fiduciary activities income	$2,000	1,427
Service charges on deposit accounts	$748,000	2,241
Trading account gains and fees	$0	130
Additional Noninterest Income	$190,000	5,213
Total noninterest expense	$3,093,000	4,784
Salaries and employee benefits	$1,649,000	4,891
Premises and equipment expense	$292,000	5,810
Additional noninterest expense	$1,152,000	4,071
Pre-tax net operating income	$1,666,000	4,051
Securities gains (losses)	$0	1,687
Applicable income taxes	$512,000	3,125
Income before extraordinary items	$1,154,000	4,369
Extraordinary gains, net	$0	51
Net income	$1,154,000	4,369
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	3,727
Cash dividends	$231,000	4,796
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,154,000	4,347
2006-09-30 (YTD Data)		Rank
Total interest income	$4,776,000	4,812
Total interest expense	$1,795,000	4,861
Net interest income	$2,981,000	4,713
Provision for loan and lease losses	$170,000	3,189
Total noninterest income	$686,000	3,761
Gross Fiduciary activities income	$1,000	1,409
Service charges on deposit accounts	$542,000	2,318
Trading account gains and fees	$0	126
Additional Noninterest Income	$143,000	5,225
Total noninterest expense	$2,288,000	4,820
Salaries and employee benefits	$1,150,000	5,108
Premises and equipment expense	$233,000	5,683
Additional noninterest expense	$905,000	3,908
Pre-tax net operating income	$1,209,000	4,279
Securities gains (losses)	$0	1,388
Applicable income taxes	$373,000	3,270
Income before extraordinary items	$836,000	4,600
Extraordinary gains, net	$0	45
Net income	$836,000	4,604
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	3,110
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$836,000	4,588
2006-06-30 (YTD Data)		Rank
Total interest income	$3,074,000	4,871
Total interest expense	$1,095,000	4,984
Net interest income	$1,979,000	4,747
Provision for loan and lease losses	$120,000	2,983
Total noninterest income	$445,000	3,796
Gross Fiduciary activities income	$1,000	1,376
Service charges on deposit accounts	$343,000	2,396
Trading account gains and fees	$0	126
Additional Noninterest Income	$101,000	5,108
Total noninterest expense	$1,488,000	4,904
Salaries and employee benefits	$764,000	5,137
Premises and equipment expense	$152,000	5,737
Additional noninterest expense	$572,000	4,060
Pre-tax net operating income	$816,000	4,286
Securities gains (losses)	$0	1,185
Applicable income taxes	$252,000	3,295
Income before extraordinary items	$564,000	4,588
Extraordinary gains, net	$0	39
Net income	$564,000	4,592
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	3,025
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$564,000	4,577
2006-03-31 (YTD Data)		Rank
Total interest income	$1,484,000	4,922
Total interest expense	$509,000	5,068
Net interest income	$975,000	4,784
Provision for loan and lease losses	$75,000	2,394
Total noninterest income	$215,000	3,820
Gross Fiduciary activities income	$1,000	1,305
Service charges on deposit accounts	$163,000	2,410
Trading account gains and fees	$0	115
Additional Noninterest Income	$51,000	5,080
Total noninterest expense	$745,000	4,924
Salaries and employee benefits	$400,000	5,013
Premises and equipment expense	$76,000	5,765
Additional noninterest expense	$269,000	4,239
Pre-tax net operating income	$370,000	4,458
Securities gains (losses)	$0	955
Applicable income taxes	$110,000	3,471
Income before extraordinary items	$260,000	4,773
Extraordinary gains, net	$0	21
Net income	$260,000	4,773
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	2,001
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$260,000	4,749
2005-12-31 (YTD Data)		Rank
Total interest income	$5,178,000	5,045
Total interest expense	$1,599,000	5,075
Net interest income	$3,579,000	4,953
Provision for loan and lease losses	$360,000	2,451
Total noninterest income	$821,000	3,991
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$656,000	2,468
Trading account gains and fees	$0	138
Additional Noninterest Income	$165,000	5,562
Total noninterest expense	$2,780,000	5,036
Salaries and employee benefits	$1,467,000	5,123
Premises and equipment expense	$266,000	6,050
Additional noninterest expense	$1,047,000	4,269
Pre-tax net operating income	$1,260,000	4,801
Securities gains (losses)	$0	2,296
Applicable income taxes	$404,000	3,683
Income before extraordinary items	$856,000	5,201
Extraordinary gains, net	$0	46
Net income	$856,000	5,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$122,000	3,034
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$856,000	5,166
2005-09-30 (YTD Data)		Rank
Total interest income	$3,733,000	5,130
Total interest expense	$1,130,000	5,106
Net interest income	$2,603,000	5,056
Provision for loan and lease losses	$280,000	2,309
Total noninterest income	$612,000	4,005
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$488,000	2,485
Trading account gains and fees	$0	126
Additional Noninterest Income	$124,000	5,547
Total noninterest expense	$2,033,000	5,088
Salaries and employee benefits	$1,078,000	5,172
Premises and equipment expense	$189,000	6,172
Additional noninterest expense	$766,000	4,326
Pre-tax net operating income	$902,000	5,025
Securities gains (losses)	$0	2,317
Applicable income taxes	$293,000	3,839
Income before extraordinary items	$609,000	5,409
Extraordinary gains, net	$0	35
Net income	$609,000	5,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$91,000	2,687
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$609,000	5,378
2005-06-30 (YTD Data)		Rank
Total interest income	$2,395,000	5,197
Total interest expense	$706,000	5,125
Net interest income	$1,689,000	5,135
Provision for loan and lease losses	$190,000	2,233
Total noninterest income	$408,000	4,010
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$322,000	2,477
Trading account gains and fees	$0	116
Additional Noninterest Income	$86,000	5,460
Total noninterest expense	$1,342,000	5,109
Salaries and employee benefits	$717,000	5,170
Premises and equipment expense	$116,000	6,370
Additional noninterest expense	$509,000	4,314
Pre-tax net operating income	$565,000	5,159
Securities gains (losses)	$0	2,146
Applicable income taxes	$184,000	3,933
Income before extraordinary items	$381,000	5,560
Extraordinary gains, net	$0	30
Net income	$381,000	5,563
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	2,796
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$381,000	5,513
2005-03-31 (YTD Data)		Rank
Total interest income	$1,151,000	5,298
Total interest expense	$329,000	5,231
Net interest income	$822,000	5,251
Provision for loan and lease losses	$90,000	2,180
Total noninterest income	$188,000	4,139
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$142,000	2,673
Trading account gains and fees	$0	115
Additional Noninterest Income	$46,000	5,356
Total noninterest expense	$660,000	5,202
Salaries and employee benefits	$363,000	5,156
Premises and equipment expense	$53,000	6,627
Additional noninterest expense	$244,000	4,430
Pre-tax net operating income	$260,000	5,357
Securities gains (losses)	$0	1,685
Applicable income taxes	$85,000	4,031
Income before extraordinary items	$175,000	5,739
Extraordinary gains, net	$0	24
Net income	$175,000	5,740
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	2,365
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$175,000	5,703
2004-12-31 (YTD Data)		Rank
Total interest income	$4,187,000	5,415
Total interest expense	$1,146,000	5,245
Net interest income	$3,041,000	5,366
Provision for loan and lease losses	$457,000	2,120
Total noninterest income	$680,000	4,466
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$519,000	3,054
Trading account gains and fees	$0	138
Additional Noninterest Income	$161,000	5,547
Total noninterest expense	$2,168,000	5,749
Salaries and employee benefits	$1,064,000	6,081
Premises and equipment expense	$232,000	6,387
Additional noninterest expense	$872,000	4,807
Pre-tax net operating income	$1,096,000	5,007
Securities gains (losses)	$0	3,819
Applicable income taxes	$370,000	3,848
Income before extraordinary items	$726,000	5,491
Extraordinary gains, net	$0	34
Net income	$726,000	5,492
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	3,625
Cash dividends	$23,000	6,029
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$726,000	5,411
2004-09-30 (YTD Data)		Rank
Total interest income	$3,032,000	5,521
Total interest expense	$831,000	5,344
Net interest income	$2,201,000	5,471
Provision for loan and lease losses	$327,000	2,105
Total noninterest income	$525,000	4,398
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$387,000	3,086
Trading account gains and fees	$0	134
Additional Noninterest Income	$138,000	5,303
Total noninterest expense	$1,569,000	5,833
Salaries and employee benefits	$744,000	6,271
Premises and equipment expense	$173,000	6,379
Additional noninterest expense	$652,000	4,768
Pre-tax net operating income	$830,000	5,089
Securities gains (losses)	$0	3,710
Applicable income taxes	$282,000	3,895
Income before extraordinary items	$548,000	5,591
Extraordinary gains, net	$0	26
Net income	$548,000	5,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	3,649
Cash dividends	$23,000	5,219
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$548,000	5,518
2004-06-30 (YTD Data)		Rank
Total interest income	$1,956,000	5,617
Total interest expense	$532,000	5,472
Net interest income	$1,424,000	5,568
Provision for loan and lease losses	$187,000	2,320
Total noninterest income	$309,000	4,751
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$219,000	3,436
Trading account gains and fees	$0	130
Additional Noninterest Income	$90,000	5,371
Total noninterest expense	$1,043,000	5,875
Salaries and employee benefits	$482,000	6,416
Premises and equipment expense	$111,000	6,525
Additional noninterest expense	$450,000	4,679
Pre-tax net operating income	$503,000	5,290
Securities gains (losses)	$0	3,413
Applicable income taxes	$172,000	4,025
Income before extraordinary items	$331,000	5,817
Extraordinary gains, net	$0	21
Net income	$331,000	5,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	3,384
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$331,000	5,731
2004-03-31 (YTD Data)		Rank
Total interest income	$948,000	5,741
Total interest expense	$258,000	5,627
Net interest income	$690,000	5,685
Provision for loan and lease losses	$82,000	2,451
Total noninterest income	$121,000	5,315
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$78,000	4,175
Trading account gains and fees	$0	121
Additional Noninterest Income	$43,000	5,417
Total noninterest expense	$589,000	5,509
Salaries and employee benefits	$253,000	6,296
Premises and equipment expense	$55,000	6,556
Additional noninterest expense	$281,000	3,938
Pre-tax net operating income	$140,000	6,574
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$140,000	6,167
Extraordinary gains, net	$0	16
Net income	$140,000	6,167
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	3,590
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$140,000	6,059
2003-12-31 (YTD Data)		Rank
Total interest income	$3,201,000	6,324
Total interest expense	$1,004,000	6,115
Net interest income	$2,197,000	6,323
Provision for loan and lease losses	$344,000	2,892
Total noninterest income	$415,000	5,896
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$294,000	4,343
Trading account gains and fees	$0	160
Additional Noninterest Income	$121,000	6,209
Total noninterest expense	$1,739,000	6,457
Salaries and employee benefits	$917,000	6,543
Premises and equipment expense	$211,000	6,653
Additional noninterest expense	$611,000	5,938
Pre-tax net operating income	$529,000	6,567
Securities gains (losses)	$14,000	3,435
Applicable income taxes	$0	7,459
Income before extraordinary items	$543,000	6,166
Extraordinary gains, net	$0	54
Net income	$543,000	6,170
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,259
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$529,000	6,063
2003-09-30 (YTD Data)		Rank
Total interest income	$2,275,000	6,562
Total interest expense	$759,000	6,227
Net interest income	$1,516,000	6,607
Provision for loan and lease losses	$249,000	2,872
Total noninterest income	$377,000	5,467
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$279,000	3,829
Trading account gains and fees	$0	153
Additional Noninterest Income	$98,000	6,119
Total noninterest expense	$1,389,000	6,203
Salaries and employee benefits	$640,000	6,742
Premises and equipment expense	$148,000	6,819
Additional noninterest expense	$601,000	4,994
Pre-tax net operating income	$255,000	7,410
Securities gains (losses)	$13,000	3,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$268,000	7,133
Extraordinary gains, net	$0	40
Net income	$268,000	7,134
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	5,102
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$255,000	7,059
2003-06-30 (YTD Data)		Rank
Total interest income	$1,448,000	6,770
Total interest expense	$519,000	6,280
Net interest income	$929,000	6,865
Provision for loan and lease losses	$172,000	2,806
Total noninterest income	$200,000	6,006
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$134,000	4,563
Trading account gains and fees	$0	150
Additional Noninterest Income	$66,000	6,086
Total noninterest expense	$865,000	6,469
Salaries and employee benefits	$419,000	6,822
Premises and equipment expense	$83,000	7,215
Additional noninterest expense	$363,000	5,342
Pre-tax net operating income	$92,000	8,067
Securities gains (losses)	$13,000	2,823
Applicable income taxes	$0	7,529
Income before extraordinary items	$105,000	7,902
Extraordinary gains, net	$0	30
Net income	$105,000	7,903
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	4,662
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$92,000	7,871
2003-03-31 (YTD Data)		Rank
Total interest income	$685,000	6,963
Total interest expense	$258,000	6,398
Net interest income	$427,000	7,106
Provision for loan and lease losses	$74,000	3,005
Total noninterest income	$79,000	6,467
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$58,000	4,839
Trading account gains and fees	$0	134
Additional Noninterest Income	$21,000	6,840
Total noninterest expense	$416,000	6,590
Salaries and employee benefits	$201,000	6,970
Premises and equipment expense	$41,000	7,269
Additional noninterest expense	$174,000	5,473
Pre-tax net operating income	$16,000	8,507
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$16,000	8,542
Extraordinary gains, net	$0	21
Net income	$16,000	8,540
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	3,468
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$16,000	8,428
2002-12-31 (YTD Data)		Rank
Total interest income	$1,699,000	8,170
Total interest expense	$641,000	7,985
Net interest income	$1,058,000	8,179
Provision for loan and lease losses	$485,000	2,422
Total noninterest income	$228,000	7,045
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$133,000	6,070
Trading account gains and fees	$0	153
Additional Noninterest Income	$95,000	6,547
Total noninterest expense	$1,307,000	7,232
Salaries and employee benefits	$698,000	7,274
Premises and equipment expense	$117,000	7,917
Additional noninterest expense	$492,000	6,554
Pre-tax net operating income	$-506,000	8,982
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$-506,000	9,038
Extraordinary gains, net	$0	70
Net income	$-506,000	9,037
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	6,985
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$328,000	520
Net operating income	$-506,000	8,995
2001-12-31 (YTD Data)		Rank
Total interest income	$5,000	9,609
Total interest expense	$0	9,598
Net interest income	$5,000	9,601
Provision for loan and lease losses	$0	8,228
Total noninterest income	$1,000	9,549
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$0	8,399
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,000	9,443
Total noninterest expense	$297,000	9,488
Salaries and employee benefits	$223,000	9,337
Premises and equipment expense	$10,000	9,556
Additional noninterest expense	$64,000	9,519
Pre-tax net operating income	$-291,000	9,020
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$-291,000	9,113
Extraordinary gains, net	$0	105
Net income	$-291,000	9,114
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$6,672,000	129
Net operating income	$-291,000	9,059

* 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.