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Village Bank, Income and Expense

2010-12-31 (YTD Data)		Rank
Total interest income	$3,485,000	5,728
Total interest expense	$1,855,000	3,762
Net interest income	$1,630,000	6,602
Provision for loan and lease losses	$80,000	6,173
Total noninterest income	$141,000	6,356
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$129,000	5,159
Trading account gains and fees	$0	175
Additional Noninterest Income	$12,000	6,752
Total noninterest expense	$2,739,000	5,271
Salaries and employee benefits	$1,255,000	5,558
Premises and equipment expense	$167,000	6,491
Additional noninterest expense	$1,317,000	4,357
Pre-tax net operating income	$-1,048,000	6,507
Securities gains (losses)	$276,000	1,335
Applicable income taxes	$0	4,655
Income before extraordinary items	$-772,000	6,495
Extraordinary gains, net	$0	29
Net income	$-772,000	6,497
Minority interest net income	$0	111
Net income of bank and minority interests.	$-772,000	6,497
Net charge-offs	$-637,000	7,650
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-1,048,000	6,573
2010-09-30 (YTD Data)		Rank
Total interest income	$2,660,000	5,790
Total interest expense	$1,468,000	3,760
Net interest income	$1,192,000	6,734
Provision for loan and lease losses	$80,000	5,907
Total noninterest income	$70,000	6,866
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$95,000	5,253
Trading account gains and fees	$0	165
Additional Noninterest Income	$-25,000	7,275
Total noninterest expense	$2,081,000	5,254
Salaries and employee benefits	$943,000	5,591
Premises and equipment expense	$116,000	6,670
Additional noninterest expense	$1,022,000	4,248
Pre-tax net operating income	$-899,000	6,751
Securities gains (losses)	$276,000	1,141
Applicable income taxes	$0	4,726
Income before extraordinary items	$-623,000	6,736
Extraordinary gains, net	$0	23
Net income	$-623,000	6,737
Minority interest net income	$0	110
Net income of bank and minority interests.	$-623,000	6,737
Net charge-offs	$-315,000	7,744
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-899,000	6,809
2010-06-30 (YTD Data)		Rank
Total interest income	$1,847,000	5,746
Total interest expense	$1,010,000	3,782
Net interest income	$837,000	6,677
Provision for loan and lease losses	$80,000	5,382
Total noninterest income	$140,000	5,602
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$66,000	5,208
Trading account gains and fees	$0	152
Additional Noninterest Income	$74,000	5,083
Total noninterest expense	$1,348,000	5,356
Salaries and employee benefits	$644,000	5,559
Premises and equipment expense	$74,000	6,764
Additional noninterest expense	$630,000	4,457
Pre-tax net operating income	$-451,000	6,710
Securities gains (losses)	$51,000	1,869
Applicable income taxes	$0	4,691
Income before extraordinary items	$-400,000	6,785
Extraordinary gains, net	$0	19
Net income	$-400,000	6,787
Minority interest net income	$0	105
Net income of bank and minority interests.	$-400,000	6,786
Net charge-offs	$-306,000	7,803
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-451,000	6,779
2010-03-31 (YTD Data)		Rank
Total interest income	$904,000	5,860
Total interest expense	$506,000	3,894
Net interest income	$398,000	6,823
Provision for loan and lease losses	$80,000	4,236
Total noninterest income	$78,000	5,464
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$34,000	5,147
Trading account gains and fees	$0	175
Additional Noninterest Income	$44,000	4,900
Total noninterest expense	$681,000	5,378
Salaries and employee benefits	$324,000	5,592
Premises and equipment expense	$37,000	6,851
Additional noninterest expense	$320,000	4,414
Pre-tax net operating income	$-285,000	6,949
Securities gains (losses)	$51,000	1,138
Applicable income taxes	$0	4,611
Income before extraordinary items	$-234,000	6,984
Extraordinary gains, net	$0	16
Net income	$-234,000	6,985
Minority interest net income	$0	91
Net income of bank and minority interests.	$-234,000	6,984
Net charge-offs	$46,000	3,791
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-285,000	7,018
2009-12-31 (YTD Data)		Rank
Total interest income	$4,140,000	5,630
Total interest expense	$2,349,000	4,059
Net interest income	$1,791,000	6,580
Provision for loan and lease losses	$3,326,000	1,847
Total noninterest income	$434,000	4,983
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$169,000	4,939
Trading account gains and fees	$0	211
Additional Noninterest Income	$265,000	4,178
Total noninterest expense	$3,559,000	4,663
Salaries and employee benefits	$1,999,000	4,369
Premises and equipment expense	$486,000	4,457
Additional noninterest expense	$1,074,000	5,041
Pre-tax net operating income	$-4,660,000	7,146
Securities gains (losses)	$53,000	2,587
Applicable income taxes	$0	4,388
Income before extraordinary items	$-4,607,000	7,220
Extraordinary gains, net	$0	34
Net income	$-4,607,000	7,219
Minority interest net income	$0	115
Net income of bank and minority interests.	$-4,607,000	7,219
Net charge-offs	$2,702,000	1,714
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-4,660,000	7,239
2009-09-30 (YTD Data)		Rank
Total interest income	$3,166,000	5,643
Total interest expense	$1,792,000	4,139
Net interest income	$1,374,000	6,565
Provision for loan and lease losses	$842,000	3,039
Total noninterest income	$235,000	5,614
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$127,000	4,965
Trading account gains and fees	$0	212
Additional Noninterest Income	$108,000	5,272
Total noninterest expense	$2,729,000	4,613
Salaries and employee benefits	$1,520,000	4,341
Premises and equipment expense	$366,000	4,497
Additional noninterest expense	$843,000	4,916
Pre-tax net operating income	$-1,962,000	7,038
Securities gains (losses)	$53,000	2,261
Applicable income taxes	$0	4,592
Income before extraordinary items	$-1,909,000	7,143
Extraordinary gains, net	$0	27
Net income	$-1,909,000	7,143
Minority interest net income	$0	118
Net income of bank and minority interests.	$-1,909,000	7,142
Net charge-offs	$1,079,000	2,123
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-1,962,000	7,156
2009-06-30 (YTD Data)		Rank
Total interest income	$2,168,000	5,636
Total interest expense	$1,221,000	4,200
Net interest income	$947,000	6,515
Provision for loan and lease losses	$692,000	2,516
Total noninterest income	$121,000	6,095
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$79,000	5,083
Trading account gains and fees	$0	193
Additional Noninterest Income	$42,000	6,041
Total noninterest expense	$1,859,000	4,589
Salaries and employee benefits	$1,044,000	4,303
Premises and equipment expense	$243,000	4,535
Additional noninterest expense	$572,000	4,861
Pre-tax net operating income	$-1,483,000	7,234
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$-1,483,000	7,315
Extraordinary gains, net	$0	21
Net income	$-1,483,000	7,313
Minority interest net income	$0	112
Net income of bank and minority interests.	$-1,483,000	7,313
Net charge-offs	$647,000	2,058
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-1,483,000	7,324
2009-03-31 (YTD Data)		Rank
Total interest income	$1,166,000	5,499
Total interest expense	$642,000	4,191
Net interest income	$524,000	6,312
Provision for loan and lease losses	$0	6,744
Total noninterest income	$57,000	6,178
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$39,000	5,065
Trading account gains and fees	$0	171
Additional Noninterest Income	$18,000	6,276
Total noninterest expense	$847,000	4,777
Salaries and employee benefits	$554,000	4,138
Premises and equipment expense	$119,000	4,641
Additional noninterest expense	$174,000	5,951
Pre-tax net operating income	$-266,000	7,009
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$-266,000	7,142
Extraordinary gains, net	$0	15
Net income	$-266,000	7,142
Minority interest net income	$0	102
Net income of bank and minority interests.	$-266,000	7,143
Net charge-offs	$293,000	1,799
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-266,000	7,086
2008-12-31 (YTD Data)		Rank
Total interest income	$6,133,000	4,872
Total interest expense	$3,584,000	3,785
Net interest income	$2,549,000	5,860
Provision for loan and lease losses	$1,651,000	2,030
Total noninterest income	$450,000	5,053
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$210,000	4,703
Trading account gains and fees	$0	154
Additional Noninterest Income	$240,000	4,516
Total noninterest expense	$4,772,000	3,701
Salaries and employee benefits	$2,793,000	3,453
Premises and equipment expense	$604,000	3,917
Additional noninterest expense	$1,375,000	3,859
Pre-tax net operating income	$-3,424,000	7,662
Securities gains (losses)	$62,000	1,458
Applicable income taxes	$-284,000	7,311
Income before extraordinary items	$-3,078,000	7,621
Extraordinary gains, net	$0	39
Net income	$-3,078,000	7,620
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,420,000	1,609
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-3,135,040	7,700
2008-09-30 (YTD Data)		Rank
Total interest income	$4,747,000	4,861
Total interest expense	$2,872,000	3,733
Net interest income	$1,875,000	5,953
Provision for loan and lease losses	$301,000	3,538
Total noninterest income	$339,000	5,140
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$157,000	4,733
Trading account gains and fees	$0	148
Additional Noninterest Income	$182,000	4,610
Total noninterest expense	$3,653,000	3,635
Salaries and employee benefits	$2,222,000	3,331
Premises and equipment expense	$438,000	4,022
Additional noninterest expense	$993,000	3,888
Pre-tax net operating income	$-1,740,000	7,801
Securities gains (losses)	$62,000	1,283
Applicable income taxes	$0	5,372
Income before extraordinary items	$-1,678,000	7,777
Extraordinary gains, net	$0	31
Net income	$-1,678,000	7,776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$381,000	2,276
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-1,740,000	7,874
2008-06-30 (YTD Data)		Rank
Total interest income	$3,283,000	4,804
Total interest expense	$2,025,000	3,709
Net interest income	$1,258,000	5,949
Provision for loan and lease losses	$101,000	4,232
Total noninterest income	$245,000	5,036
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$96,000	4,903
Trading account gains and fees	$0	149
Additional Noninterest Income	$149,000	4,327
Total noninterest expense	$2,557,000	3,502
Salaries and employee benefits	$1,606,000	3,132
Premises and equipment expense	$270,000	4,298
Additional noninterest expense	$681,000	3,793
Pre-tax net operating income	$-1,155,000	7,984
Securities gains (losses)	$62,000	1,287
Applicable income taxes	$0	5,627
Income before extraordinary items	$-1,093,000	8,021
Extraordinary gains, net	$0	21
Net income	$-1,093,000	8,021
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$309,000	1,770
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-1,155,000	8,041
2008-03-31 (YTD Data)		Rank
Total interest income	$1,764,000	4,699
Total interest expense	$1,099,000	3,667
Net interest income	$665,000	5,822
Provision for loan and lease losses	$101,000	2,687
Total noninterest income	$151,000	4,598
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$45,000	5,006
Trading account gains and fees	$0	158
Additional Noninterest Income	$106,000	3,660
Total noninterest expense	$1,244,000	3,592
Salaries and employee benefits	$767,000	3,280
Premises and equipment expense	$137,000	4,265
Additional noninterest expense	$340,000	3,745
Pre-tax net operating income	$-529,000	8,103
Securities gains (losses)	$62,000	968
Applicable income taxes	$0	5,622
Income before extraordinary items	$-467,000	8,126
Extraordinary gains, net	$0	15
Net income	$-467,000	8,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	2,108
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-529,000	8,149
2007-12-31 (YTD Data)		Rank
Total interest income	$8,569,000	4,173
Total interest expense	$4,765,000	3,588
Net interest income	$3,804,000	4,776
Provision for loan and lease losses	$1,843,000	900
Total noninterest income	$196,000	6,767
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$214,000	4,763
Trading account gains and fees	$0	178
Additional Noninterest Income	$-18,000	8,468
Total noninterest expense	$4,996,000	3,436
Salaries and employee benefits	$2,752,000	3,457
Premises and equipment expense	$544,000	4,114
Additional noninterest expense	$1,700,000	3,083
Pre-tax net operating income	$-2,839,000	8,360
Securities gains (losses)	$31,000	956
Applicable income taxes	$-278,000	8,194
Income before extraordinary items	$-2,530,000	8,377
Extraordinary gains, net	$0	39
Net income	$-2,530,000	8,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,357,000	809
Cash dividends	$216,000	4,805
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$-2,557,900	8,368
2007-09-30 (YTD Data)		Rank
Total interest income	$6,604,000	4,113
Total interest expense	$3,597,000	3,570
Net interest income	$3,007,000	4,632
Provision for loan and lease losses	$1,465,000	664
Total noninterest income	$104,000	7,279
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$164,000	4,744
Trading account gains and fees	$0	184
Additional Noninterest Income	$-60,000	8,529
Total noninterest expense	$3,356,000	3,759
Salaries and employee benefits	$2,024,000	3,493
Premises and equipment expense	$404,000	4,137
Additional noninterest expense	$928,000	3,924
Pre-tax net operating income	$-1,710,000	8,412
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$-1,710,000	8,439
Extraordinary gains, net	$0	33
Net income	$-1,710,000	8,435
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$445,000	1,181
Cash dividends	$216,000	4,027
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$-1,710,000	8,427
2007-06-30 (YTD Data)		Rank
Total interest income	$4,487,000	4,082
Total interest expense	$2,382,000	3,586
Net interest income	$2,105,000	4,542
Provision for loan and lease losses	$1,165,000	524
Total noninterest income	$177,000	5,825
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$110,000	4,742
Trading account gains and fees	$0	168
Additional Noninterest Income	$67,000	5,821
Total noninterest expense	$2,119,000	3,956
Salaries and employee benefits	$1,296,000	3,645
Premises and equipment expense	$263,000	4,232
Additional noninterest expense	$560,000	4,220
Pre-tax net operating income	$-1,002,000	8,457
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$-1,002,000	8,483
Extraordinary gains, net	$0	29
Net income	$-1,002,000	8,480
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$249,000	1,155
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$-1,002,000	8,474
2007-03-31 (YTD Data)		Rank
Total interest income	$2,240,000	4,083
Total interest expense	$1,171,000	3,596
Net interest income	$1,069,000	4,503
Provision for loan and lease losses	$500,000	524
Total noninterest income	$83,000	5,910
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$55,000	4,695
Trading account gains and fees	$0	195
Additional Noninterest Income	$28,000	6,096
Total noninterest expense	$993,000	4,164
Salaries and employee benefits	$618,000	3,810
Premises and equipment expense	$128,000	4,318
Additional noninterest expense	$247,000	4,583
Pre-tax net operating income	$-341,000	8,437
Securities gains (losses)	$0	1,187
Applicable income taxes	$-2,000	8,174
Income before extraordinary items	$-339,000	8,461
Extraordinary gains, net	$0	22
Net income	$-339,000	8,459
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,000	1,303
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$-339,000	8,451
2006-12-31 (YTD Data)		Rank
Total interest income	$8,904,000	3,897
Total interest expense	$4,196,000	3,480
Net interest income	$4,708,000	4,205
Provision for loan and lease losses	$800,000	1,275
Total noninterest income	$528,000	5,005
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$225,000	4,738
Trading account gains and fees	$0	130
Additional Noninterest Income	$303,000	4,272
Total noninterest expense	$3,794,000	4,138
Salaries and employee benefits	$2,366,000	3,763
Premises and equipment expense	$520,000	4,163
Additional noninterest expense	$908,000	4,827
Pre-tax net operating income	$642,000	6,076
Securities gains (losses)	$0	1,687
Applicable income taxes	$236,000	4,115
Income before extraordinary items	$406,000	6,496
Extraordinary gains, net	$0	51
Net income	$406,000	6,498
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$509,000	1,158
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$406,000	6,497
2006-09-30 (YTD Data)		Rank
Total interest income	$6,600,000	3,901
Total interest expense	$3,025,000	3,489
Net interest income	$3,575,000	4,179
Provision for loan and lease losses	$725,000	1,017
Total noninterest income	$419,000	4,908
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$164,000	4,842
Trading account gains and fees	$0	126
Additional Noninterest Income	$255,000	4,066
Total noninterest expense	$2,809,000	4,162
Salaries and employee benefits	$1,757,000	3,792
Premises and equipment expense	$379,000	4,237
Additional noninterest expense	$673,000	4,841
Pre-tax net operating income	$460,000	6,385
Securities gains (losses)	$0	1,388
Applicable income taxes	$181,000	4,261
Income before extraordinary items	$279,000	6,822
Extraordinary gains, net	$0	45
Net income	$279,000	6,825
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$456,000	868
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$279,000	6,826
2006-06-30 (YTD Data)		Rank
Total interest income	$4,253,000	3,948
Total interest expense	$1,901,000	3,532
Net interest income	$2,352,000	4,226
Provision for loan and lease losses	$650,000	759
Total noninterest income	$219,000	5,440
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$100,000	5,022
Trading account gains and fees	$0	126
Additional Noninterest Income	$119,000	4,766
Total noninterest expense	$1,836,000	4,237
Salaries and employee benefits	$1,145,000	3,875
Premises and equipment expense	$243,000	4,346
Additional noninterest expense	$448,000	4,836
Pre-tax net operating income	$85,000	7,780
Securities gains (losses)	$0	1,185
Applicable income taxes	$35,000	5,474
Income before extraordinary items	$50,000	7,903
Extraordinary gains, net	$0	39
Net income	$50,000	7,904
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$224,000	1,022
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$50,000	7,914
2006-03-31 (YTD Data)		Rank
Total interest income	$1,976,000	4,116
Total interest expense	$849,000	3,673
Net interest income	$1,127,000	4,350
Provision for loan and lease losses	$575,000	427
Total noninterest income	$72,000	6,277
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$44,000	5,215
Trading account gains and fees	$0	115
Additional Noninterest Income	$28,000	6,187
Total noninterest expense	$879,000	4,393
Salaries and employee benefits	$560,000	3,951
Premises and equipment expense	$119,000	4,441
Additional noninterest expense	$200,000	5,174
Pre-tax net operating income	$-255,000	8,588
Securities gains (losses)	$0	955
Applicable income taxes	$-91,000	8,692
Income before extraordinary items	$-164,000	8,531
Extraordinary gains, net	$0	21
Net income	$-164,000	8,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	1,641
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$-164,000	8,519
2005-12-31 (YTD Data)		Rank
Total interest income	$6,198,000	4,526
Total interest expense	$2,439,000	3,894
Net interest income	$3,759,000	4,808
Provision for loan and lease losses	$221,000	3,425
Total noninterest income	$152,000	7,474
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$106,000	6,202
Trading account gains and fees	$0	138
Additional Noninterest Income	$46,000	7,467
Total noninterest expense	$2,962,000	4,806
Salaries and employee benefits	$1,745,000	4,575
Premises and equipment expense	$497,000	4,193
Additional noninterest expense	$720,000	5,500
Pre-tax net operating income	$728,000	6,082
Securities gains (losses)	$0	2,296
Applicable income taxes	$287,000	4,192
Income before extraordinary items	$441,000	6,606
Extraordinary gains, net	$0	46
Net income	$441,000	6,607
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	2,495
Cash dividends	$100,000	5,466
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$441,000	6,580
2005-09-30 (YTD Data)		Rank
Total interest income	$4,434,000	4,608
Total interest expense	$1,707,000	3,935
Net interest income	$2,727,000	4,924
Provision for loan and lease losses	$141,000	3,576
Total noninterest income	$132,000	7,285
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$81,000	6,223
Trading account gains and fees	$0	126
Additional Noninterest Income	$51,000	7,043
Total noninterest expense	$2,174,000	4,857
Salaries and employee benefits	$1,278,000	4,629
Premises and equipment expense	$365,000	4,246
Additional noninterest expense	$531,000	5,530
Pre-tax net operating income	$544,000	6,225
Securities gains (losses)	$0	2,317
Applicable income taxes	$207,000	4,363
Income before extraordinary items	$337,000	6,728
Extraordinary gains, net	$0	35
Net income	$337,000	6,727
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$136,000	2,142
Cash dividends	$100,000	4,657
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$337,000	6,684
2005-06-30 (YTD Data)		Rank
Total interest income	$2,823,000	4,686
Total interest expense	$1,057,000	3,978
Net interest income	$1,766,000	4,995
Provision for loan and lease losses	$111,000	3,210
Total noninterest income	$80,000	7,406
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$56,000	6,119
Trading account gains and fees	$0	116
Additional Noninterest Income	$24,000	7,442
Total noninterest expense	$1,418,000	4,925
Salaries and employee benefits	$830,000	4,695
Premises and equipment expense	$230,000	4,380
Additional noninterest expense	$358,000	5,451
Pre-tax net operating income	$317,000	6,484
Securities gains (losses)	$0	2,146
Applicable income taxes	$122,000	4,547
Income before extraordinary items	$195,000	6,973
Extraordinary gains, net	$0	30
Net income	$195,000	6,974
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$110,000	1,800
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$195,000	6,918
2005-03-31 (YTD Data)		Rank
Total interest income	$1,357,000	4,792
Total interest expense	$493,000	4,058
Net interest income	$864,000	5,091
Provision for loan and lease losses	$81,000	2,384
Total noninterest income	$38,000	7,492
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$30,000	5,982
Trading account gains and fees	$0	115
Additional Noninterest Income	$8,000	7,922
Total noninterest expense	$704,000	4,982
Salaries and employee benefits	$419,000	4,671
Premises and equipment expense	$109,000	4,578
Additional noninterest expense	$176,000	5,487
Pre-tax net operating income	$117,000	6,996
Securities gains (losses)	$0	1,685
Applicable income taxes	$43,000	4,951
Income before extraordinary items	$74,000	7,345
Extraordinary gains, net	$0	24
Net income	$74,000	7,344
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	1,489
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$74,000	7,311
2004-12-31 (YTD Data)		Rank
Total interest income	$4,440,000	5,217
Total interest expense	$1,600,000	4,337
Net interest income	$2,840,000	5,592
Provision for loan and lease losses	$295,000	2,973
Total noninterest income	$133,000	7,775
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$117,000	6,222
Trading account gains and fees	$0	138
Additional Noninterest Income	$16,000	8,340
Total noninterest expense	$2,556,000	5,226
Salaries and employee benefits	$1,437,000	5,091
Premises and equipment expense	$408,000	4,697
Additional noninterest expense	$711,000	5,475
Pre-tax net operating income	$122,000	8,044
Securities gains (losses)	$5,000	3,151
Applicable income taxes	$50,000	6,036
Income before extraordinary items	$77,000	8,179
Extraordinary gains, net	$0	34
Net income	$77,000	8,179
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$133,000	3,216
Cash dividends	$246,000	4,646
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$73,800	8,157
2004-09-30 (YTD Data)		Rank
Total interest income	$3,222,000	5,307
Total interest expense	$1,153,000	4,404
Net interest income	$2,069,000	5,680
Provision for loan and lease losses	$295,000	2,304
Total noninterest income	$97,000	7,846
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$86,000	6,282
Trading account gains and fees	$0	134
Additional Noninterest Income	$11,000	8,414
Total noninterest expense	$1,894,000	5,226
Salaries and employee benefits	$1,043,000	5,170
Premises and equipment expense	$312,000	4,644
Additional noninterest expense	$539,000	5,404
Pre-tax net operating income	$-23,000	8,513
Securities gains (losses)	$5,000	3,038
Applicable income taxes	$-2,000	8,670
Income before extraordinary items	$-16,000	8,532
Extraordinary gains, net	$0	26
Net income	$-16,000	8,535
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$137,000	2,390
Cash dividends	$246,000	3,717
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-20,450	8,509
2004-06-30 (YTD Data)		Rank
Total interest income	$2,070,000	5,444
Total interest expense	$730,000	4,561
Net interest income	$1,340,000	5,767
Provision for loan and lease losses	$20,000	5,844
Total noninterest income	$65,000	7,875
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$50,000	6,543
Trading account gains and fees	$0	130
Additional Noninterest Income	$15,000	8,015
Total noninterest expense	$1,157,000	5,551
Salaries and employee benefits	$679,000	5,292
Premises and equipment expense	$187,000	4,999
Additional noninterest expense	$291,000	6,062
Pre-tax net operating income	$228,000	6,992
Securities gains (losses)	$5,000	2,738
Applicable income taxes	$86,000	5,032
Income before extraordinary items	$147,000	7,348
Extraordinary gains, net	$0	21
Net income	$147,000	7,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	2,510
Cash dividends	$125,000	3,983
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$143,800	7,317
2004-03-31 (YTD Data)		Rank
Total interest income	$1,030,000	5,488
Total interest expense	$355,000	4,666
Net interest income	$675,000	5,754
Provision for loan and lease losses	$0	6,501
Total noninterest income	$34,000	7,816
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$28,000	6,308
Trading account gains and fees	$0	121
Additional Noninterest Income	$6,000	8,203
Total noninterest expense	$568,000	5,622
Salaries and employee benefits	$336,000	5,335
Premises and equipment expense	$93,000	5,051
Additional noninterest expense	$139,000	6,236
Pre-tax net operating income	$141,000	6,564
Securities gains (losses)	$5,000	2,336
Applicable income taxes	$54,000	4,750
Income before extraordinary items	$92,000	7,028
Extraordinary gains, net	$0	16
Net income	$92,000	7,030
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	2,858
Cash dividends	$125,000	2,644
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$88,800	7,001
2003-12-31 (YTD Data)		Rank
Total interest income	$3,908,000	5,726
Total interest expense	$1,512,000	4,846
Net interest income	$2,396,000	6,038
Provision for loan and lease losses	$184,000	4,174
Total noninterest income	$108,000	8,223
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$92,000	6,676
Trading account gains and fees	$0	160
Additional Noninterest Income	$16,000	8,557
Total noninterest expense	$1,919,000	6,127
Salaries and employee benefits	$1,079,000	5,995
Premises and equipment expense	$295,000	5,705
Additional noninterest expense	$545,000	6,278
Pre-tax net operating income	$401,000	7,040
Securities gains (losses)	$0	4,500
Applicable income taxes	$143,000	5,333
Income before extraordinary items	$258,000	7,480
Extraordinary gains, net	$0	54
Net income	$258,000	7,483
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,000	3,022
Cash dividends	$100,000	5,525
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$258,000	7,338
2003-09-30 (YTD Data)		Rank
Total interest income	$2,895,000	5,834
Total interest expense	$1,150,000	4,935
Net interest income	$1,745,000	6,162
Provision for loan and lease losses	$184,000	3,478
Total noninterest income	$80,000	8,292
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$69,000	6,736
Trading account gains and fees	$0	153
Additional Noninterest Income	$11,000	8,647
Total noninterest expense	$1,398,000	6,185
Salaries and employee benefits	$804,000	5,998
Premises and equipment expense	$203,000	5,970
Additional noninterest expense	$391,000	6,403
Pre-tax net operating income	$243,000	7,479
Securities gains (losses)	$0	4,204
Applicable income taxes	$85,000	5,744
Income before extraordinary items	$158,000	7,847
Extraordinary gains, net	$0	40
Net income	$158,000	7,848
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	2,434
Cash dividends	$100,000	4,694
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$158,000	7,698
2003-06-30 (YTD Data)		Rank
Total interest income	$1,937,000	5,860
Total interest expense	$777,000	5,023
Net interest income	$1,160,000	6,166
Provision for loan and lease losses	$134,000	3,297
Total noninterest income	$52,000	8,325
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$45,000	6,765
Trading account gains and fees	$0	150
Additional Noninterest Income	$7,000	8,670
Total noninterest expense	$880,000	6,404
Salaries and employee benefits	$509,000	6,198
Premises and equipment expense	$120,000	6,262
Additional noninterest expense	$251,000	6,516
Pre-tax net operating income	$198,000	7,232
Securities gains (losses)	$0	3,782
Applicable income taxes	$70,000	5,557
Income before extraordinary items	$128,000	7,670
Extraordinary gains, net	$0	30
Net income	$128,000	7,672
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$162,000	1,890
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$128,000	7,492
2003-03-31 (YTD Data)		Rank
Total interest income	$972,000	5,863
Total interest expense	$392,000	5,096
Net interest income	$580,000	6,161
Provision for loan and lease losses	$75,000	2,805
Total noninterest income	$27,000	8,282
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$24,000	6,593
Trading account gains and fees	$0	134
Additional Noninterest Income	$3,000	8,754
Total noninterest expense	$433,000	6,470
Salaries and employee benefits	$252,000	6,217
Premises and equipment expense	$59,000	6,332
Additional noninterest expense	$122,000	6,602
Pre-tax net operating income	$99,000	7,204
Securities gains (losses)	$0	2,891
Applicable income taxes	$35,000	5,559
Income before extraordinary items	$64,000	7,605
Extraordinary gains, net	$0	21
Net income	$64,000	7,606
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$114,000	1,373
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$64,000	7,450
2002-12-31 (YTD Data)		Rank
Total interest income	$3,981,000	5,914
Total interest expense	$1,840,000	5,083
Net interest income	$2,141,000	6,409
Provision for loan and lease losses	$102,000	5,666
Total noninterest income	$113,000	8,249
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$78,000	6,973
Trading account gains and fees	$0	153
Additional Noninterest Income	$35,000	8,031
Total noninterest expense	$1,585,000	6,686
Salaries and employee benefits	$870,000	6,616
Premises and equipment expense	$258,000	6,029
Additional noninterest expense	$457,000	6,765
Pre-tax net operating income	$567,000	6,527
Securities gains (losses)	$0	4,537
Applicable income taxes	$218,000	4,993
Income before extraordinary items	$349,000	7,073
Extraordinary gains, net	$0	70
Net income	$349,000	7,074
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,632
Cash dividends	$85,000	5,691
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$349,000	6,956
2001-12-31 (YTD Data)		Rank
Total interest income	$4,324,000	6,083
Total interest expense	$2,666,000	5,166
Net interest income	$1,658,000	7,049
Provision for loan and lease losses	$120,000	5,188
Total noninterest income	$58,000	9,070
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$32,000	7,942
Trading account gains and fees	$0	177
Additional Noninterest Income	$26,000	8,488
Total noninterest expense	$1,309,000	7,209
Salaries and employee benefits	$728,000	7,074
Premises and equipment expense	$189,000	6,942
Additional noninterest expense	$392,000	7,214
Pre-tax net operating income	$287,000	7,477
Securities gains (losses)	$0	4,612
Applicable income taxes	$80,000	6,264
Income before extraordinary items	$207,000	7,676
Extraordinary gains, net	$0	105
Net income	$207,000	7,678
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	$0	922
Net operating income	$207,000	7,561
2000-12-31 (YTD Data)		Rank
Total interest income	$3,879,000	6,582
Total interest expense	$2,646,000	5,373
Net interest income	$1,233,000	8,005
Provision for loan and lease losses	$158,000	4,296
Total noninterest income	$23,000	9,651
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	8,310
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	9,605
Total noninterest expense	$1,003,000	8,008
Salaries and employee benefits	$619,000	7,595
Premises and equipment expense	$136,000	7,816
Additional noninterest expense	$248,000	8,358
Pre-tax net operating income	$95,000	8,813
Securities gains (losses)	$0	1,956
Applicable income taxes	$28,000	7,665
Income before extraordinary items	$67,000	8,895
Extraordinary gains, net	$0	38
Net income	$67,000	8,895
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$1,500,000	398
Net operating income	$67,000	8,878
1999-12-31 (YTD Data)		Rank
Total interest income	$2,616,000	7,780
Total interest expense	$1,809,000	6,333
Net interest income	$807,000	9,051
Provision for loan and lease losses	$42,000	6,798
Total noninterest income	$35,000	9,798
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$13,000	8,629
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	9,178
Total noninterest expense	$821,000	8,671
Salaries and employee benefits	$496,000	8,359
Premises and equipment expense	$115,000	8,338
Additional noninterest expense	$210,000	8,927
Pre-tax net operating income	$-21,000	9,452
Securities gains (losses)	$0	3,155
Applicable income taxes	$-176,000	10,010
Income before extraordinary items	$155,000	8,603
Extraordinary gains, net	$0	35
Net income	$155,000	8,602
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$155,000	8,564
1998-12-31 (YTD Data)		Rank
Total interest income	$1,644,000	9,107
Total interest expense	$1,215,000	7,872
Net interest income	$429,000	10,040
Provision for loan and lease losses	$128,000	4,501
Total noninterest income	$26,000	10,144
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$7,000	8,918
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	9,525
Total noninterest expense	$718,000	9,054
Salaries and employee benefits	$421,000	8,835
Premises and equipment expense	$104,000	8,619
Additional noninterest expense	$193,000	9,189
Pre-tax net operating income	$-391,000	10,133
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$-391,000	10,179
Extraordinary gains, net	$0	32
Net income	$-391,000	10,174
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-391,000	10,151
1997-12-31 (YTD Data)		Rank
Total interest income	$294,000	10,798
Total interest expense	$180,000	10,692
Net interest income	$114,000	10,844
Provision for loan and lease losses	$22,000	7,821
Total noninterest income	$0	10,883
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	10,861
Total noninterest expense	$272,000	10,748
Salaries and employee benefits	$160,000	10,690
Premises and equipment expense	$41,000	10,416
Additional noninterest expense	$71,000	10,748
Pre-tax net operating income	$-180,000	10,549
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$-180,000	10,589
Extraordinary gains, net	$0	44
Net income	$-180,000	10,589
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$3,700,000	265
Net operating income	$-180,000	10,562

* 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.