Home > West Central Bank > Income and Expense

West Central Bank, Income and Expense

Basic Info Reviews History Routing Numbers Locations

2021-12-31 (YTD Data)		Rank
Total interest income	$7,758,000	2,851
Total interest expense	$895,000	2,377
Net interest income	$6,863,000	2,875
Provision for loan and lease losses	$1,594,000	372
Total noninterest income	$2,907,000	1,840
Gross Fiduciary activities income	$104,000	718
Service charges on deposit accounts	$380,000	1,923
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,423,000	1,715
Total noninterest expense	$7,321,000	2,408
Salaries and employee benefits	$3,759,000	2,602
Premises and equipment expense	$965,000	2,083
Additional noninterest expense	$2,597,000	2,199
Pre-tax net operating income	$855,000	3,943
Securities gains (losses)	$0	2,062
Applicable income taxes	$0	3,710
Income before extraordinary items	$855,000	3,870
Extraordinary gains, net	$0	10
Net income	$855,000	3,870
Minority interest net income	$0	74
Net income of bank and minority interests.	$855,000	3,870
Net charge-offs	$1,892,000	301
Cash dividends	$522,000	2,774
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$855,000	3,851
2021-09-30 (YTD Data)		Rank
Total interest income	$5,939,000	2,884
Total interest expense	$712,000	2,385
Net interest income	$5,227,000	2,900
Provision for loan and lease losses	$65,000	2,226
Total noninterest income	$2,102,000	1,927
Gross Fiduciary activities income	$30,000	769
Service charges on deposit accounts	$268,000	1,999
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,804,000	1,782
Total noninterest expense	$5,449,000	2,433
Salaries and employee benefits	$2,811,000	2,615
Premises and equipment expense	$712,000	2,123
Additional noninterest expense	$1,926,000	2,211
Pre-tax net operating income	$1,815,000	3,039
Securities gains (losses)	$0	2,015
Applicable income taxes	$0	3,719
Income before extraordinary items	$1,815,000	2,905
Extraordinary gains, net	$0	8
Net income	$1,815,000	2,905
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,815,000	2,905
Net charge-offs	$34,000	1,511
Cash dividends	$384,000	2,518
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$1,815,000	2,885
2021-06-30 (YTD Data)		Rank
Total interest income	$4,066,000	2,850
Total interest expense	$498,000	2,384
Net interest income	$3,568,000	2,873
Provision for loan and lease losses	$65,000	1,952
Total noninterest income	$1,396,000	1,869
Gross Fiduciary activities income	$27,000	754
Service charges on deposit accounts	$168,000	2,016
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,201,000	1,735
Total noninterest expense	$3,543,000	2,469
Salaries and employee benefits	$1,832,000	2,650
Premises and equipment expense	$468,000	2,129
Additional noninterest expense	$1,243,000	2,239
Pre-tax net operating income	$1,356,000	2,901
Securities gains (losses)	$0	1,818
Applicable income taxes	$0	3,702
Income before extraordinary items	$1,356,000	2,769
Extraordinary gains, net	$0	6
Net income	$1,356,000	2,768
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,356,000	2,769
Net charge-offs	$35,000	1,274
Cash dividends	$256,000	2,481
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,356,000	2,744
2021-03-31 (YTD Data)		Rank
Total interest income	$2,084,000	2,788
Total interest expense	$251,000	2,438
Net interest income	$1,833,000	2,807
Provision for loan and lease losses	$65,000	1,562
Total noninterest income	$674,000	1,922
Gross Fiduciary activities income	$19,000	742
Service charges on deposit accounts	$84,000	2,012
Trading account gains and fees	NA	NA
Additional Noninterest Income	$571,000	1,782
Total noninterest expense	$1,773,000	2,456
Salaries and employee benefits	$912,000	2,642
Premises and equipment expense	$238,000	2,124
Additional noninterest expense	$623,000	2,209
Pre-tax net operating income	$669,000	2,895
Securities gains (losses)	$0	1,392
Applicable income taxes	$0	3,613
Income before extraordinary items	$669,000	2,756
Extraordinary gains, net	$0	3
Net income	$669,000	2,754
Minority interest net income	$0	55
Net income of bank and minority interests.	$669,000	2,756
Net charge-offs	$2,000	1,718
Cash dividends	$128,000	2,025
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$669,000	2,717
2020-12-31 (YTD Data)		Rank
Total interest income	$7,988,000	2,884
Total interest expense	$1,148,000	2,733
Net interest income	$6,840,000	2,853
Provision for loan and lease losses	$528,000	2,185
Total noninterest income	$2,999,000	1,726
Gross Fiduciary activities income	$70,000	747
Service charges on deposit accounts	$460,000	1,699
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,469,000	1,601
Total noninterest expense	$7,118,000	2,431
Salaries and employee benefits	$3,623,000	2,632
Premises and equipment expense	$1,011,000	2,023
Additional noninterest expense	$2,484,000	2,205
Pre-tax net operating income	$2,193,000	2,841
Securities gains (losses)	$0	2,675
Applicable income taxes	$0	3,697
Income before extraordinary items	$2,193,000	2,711
Extraordinary gains, net	$0	4
Net income	$2,193,000	2,709
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,193,000	2,711
Net charge-offs	$140,000	1,772
Cash dividends	$778,000	2,447
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$2,193,000	2,662
2020-09-30 (YTD Data)		Rank
Total interest income	$6,063,000	2,886
Total interest expense	$887,000	2,779
Net interest income	$5,176,000	2,843
Provision for loan and lease losses	$427,000	2,091
Total noninterest income	$2,088,000	1,763
Gross Fiduciary activities income	$27,000	789
Service charges on deposit accounts	$351,000	1,685
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,710,000	1,626
Total noninterest expense	$5,243,000	2,450
Salaries and employee benefits	$2,651,000	2,657
Premises and equipment expense	$769,000	2,002
Additional noninterest expense	$1,823,000	2,214
Pre-tax net operating income	$1,594,000	2,879
Securities gains (losses)	$0	2,494
Applicable income taxes	$0	3,696
Income before extraordinary items	$1,594,000	2,759
Extraordinary gains, net	$0	4
Net income	$1,594,000	2,758
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,594,000	2,759
Net charge-offs	$126,000	1,525
Cash dividends	$362,000	2,588
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,594,000	2,704
2020-06-30 (YTD Data)		Rank
Total interest income	$4,100,000	2,896
Total interest expense	$612,000	2,844
Net interest income	$3,488,000	2,844
Provision for loan and lease losses	$327,000	1,962
Total noninterest income	$1,301,000	1,756
Gross Fiduciary activities income	$22,000	780
Service charges on deposit accounts	$241,000	1,671
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,038,000	1,639
Total noninterest expense	$3,482,000	2,457
Salaries and employee benefits	$1,789,000	2,661
Premises and equipment expense	$506,000	2,014
Additional noninterest expense	$1,187,000	2,229
Pre-tax net operating income	$980,000	2,958
Securities gains (losses)	$0	2,249
Applicable income taxes	$0	3,655
Income before extraordinary items	$980,000	2,833
Extraordinary gains, net	$0	4
Net income	$980,000	2,832
Minority interest net income	$0	65
Net income of bank and minority interests.	$980,000	2,833
Net charge-offs	$89,000	1,418
Cash dividends	$234,000	2,581
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$980,000	2,786
2020-03-31 (YTD Data)		Rank
Total interest income	$1,994,000	2,935
Total interest expense	$327,000	2,888
Net interest income	$1,667,000	2,894
Provision for loan and lease losses	$0	3,711
Total noninterest income	$673,000	1,644
Gross Fiduciary activities income	$15,000	766
Service charges on deposit accounts	$149,000	1,633
Trading account gains and fees	NA	NA
Additional Noninterest Income	$509,000	1,502
Total noninterest expense	$1,758,000	2,455
Salaries and employee benefits	$931,000	2,597
Premises and equipment expense	$251,000	2,045
Additional noninterest expense	$576,000	2,310
Pre-tax net operating income	$582,000	2,596
Securities gains (losses)	$0	1,705
Applicable income taxes	$0	3,513
Income before extraordinary items	$582,000	2,448
Extraordinary gains, net	$0	4
Net income	$582,000	2,447
Minority interest net income	$0	56
Net income of bank and minority interests.	$582,000	2,448
Net charge-offs	$71,000	1,040
Cash dividends	$138,000	2,152
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$582,000	2,420
2019-12-31 (YTD Data)		Rank
Total interest income	$8,114,000	2,940
Total interest expense	$1,241,000	3,006
Net interest income	$6,873,000	2,880
Provision for loan and lease losses	$426,000	1,629
Total noninterest income	$2,616,000	1,703
Gross Fiduciary activities income	$66,000	770
Service charges on deposit accounts	$571,000	1,737
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,979,000	1,546
Total noninterest expense	$7,361,000	2,367
Salaries and employee benefits	$3,880,000	2,507
Premises and equipment expense	$1,135,000	1,862
Additional noninterest expense	$2,346,000	2,310
Pre-tax net operating income	$1,702,000	3,245
Securities gains (losses)	$0	2,379
Applicable income taxes	$0	3,859
Income before extraordinary items	$1,702,000	3,109
Extraordinary gains, net	$0	11
Net income	$1,702,000	3,107
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,702,000	3,110
Net charge-offs	$643,000	896
Cash dividends	$714,000	2,674
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,702,000	3,087
2019-09-30 (YTD Data)		Rank
Total interest income	$6,080,000	2,976
Total interest expense	$913,000	3,061
Net interest income	$5,167,000	2,908
Provision for loan and lease losses	$205,000	1,940
Total noninterest income	$1,777,000	1,802
Gross Fiduciary activities income	$25,000	814
Service charges on deposit accounts	$418,000	1,776
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,334,000	1,637
Total noninterest expense	$5,565,000	2,371
Salaries and employee benefits	$2,894,000	2,527
Premises and equipment expense	$952,000	1,744
Additional noninterest expense	$1,719,000	2,345
Pre-tax net operating income	$1,174,000	3,419
Securities gains (losses)	$0	2,167
Applicable income taxes	$0	3,902
Income before extraordinary items	$1,174,000	3,273
Extraordinary gains, net	$0	11
Net income	$1,174,000	3,272
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,174,000	3,273
Net charge-offs	$419,000	839
Cash dividends	$394,000	2,716
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,174,000	3,250
2019-06-30 (YTD Data)		Rank
Total interest income	$4,019,000	2,998
Total interest expense	$587,000	3,090
Net interest income	$3,432,000	2,927
Provision for loan and lease losses	$205,000	1,544
Total noninterest income	$1,128,000	1,833
Gross Fiduciary activities income	$21,000	805
Service charges on deposit accounts	$272,000	1,788
Trading account gains and fees	NA	NA
Additional Noninterest Income	$835,000	1,671
Total noninterest expense	$3,729,000	2,369
Salaries and employee benefits	$1,933,000	2,524
Premises and equipment expense	$638,000	1,745
Additional noninterest expense	$1,158,000	2,338
Pre-tax net operating income	$626,000	3,722
Securities gains (losses)	$0	1,702
Applicable income taxes	$0	3,901
Income before extraordinary items	$626,000	3,584
Extraordinary gains, net	$0	11
Net income	$626,000	3,583
Minority interest net income	$0	69
Net income of bank and minority interests.	$626,000	3,583
Net charge-offs	$387,000	667
Cash dividends	$224,000	2,805
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$626,000	3,559
2019-03-31 (YTD Data)		Rank
Total interest income	$1,999,000	3,024
Total interest expense	$288,000	3,096
Net interest income	$1,711,000	2,956
Provision for loan and lease losses	$147,000	1,233
Total noninterest income	$524,000	1,873
Gross Fiduciary activities income	$14,000	788
Service charges on deposit accounts	$133,000	1,807
Trading account gains and fees	NA	NA
Additional Noninterest Income	$377,000	1,719
Total noninterest expense	$1,861,000	2,387
Salaries and employee benefits	$970,000	2,535
Premises and equipment expense	$315,000	1,774
Additional noninterest expense	$576,000	2,345
Pre-tax net operating income	$227,000	4,087
Securities gains (losses)	$0	1,087
Applicable income taxes	$0	3,800
Income before extraordinary items	$227,000	3,969
Extraordinary gains, net	$0	5
Net income	$227,000	3,967
Minority interest net income	$0	52
Net income of bank and minority interests.	$227,000	3,968
Net charge-offs	$373,000	414
Cash dividends	$96,000	2,454
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$227,000	3,961
2018-12-31 (YTD Data)		Rank
Total interest income	$8,085,000	2,919
Total interest expense	$1,063,000	2,841
Net interest income	$7,022,000	2,890
Provision for loan and lease losses	$182,000	2,454
Total noninterest income	$2,666,000	1,676
Gross Fiduciary activities income	$58,000	809
Service charges on deposit accounts	$665,000	1,599
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,943,000	1,521
Total noninterest expense	$7,887,000	2,271
Salaries and employee benefits	$4,218,000	2,374
Premises and equipment expense	$1,228,000	1,787
Additional noninterest expense	$2,441,000	2,260
Pre-tax net operating income	$1,619,000	3,424
Securities gains (losses)	$0	1,125
Applicable income taxes	$0	3,978
Income before extraordinary items	$1,619,000	3,256
Extraordinary gains, net	$0	6
Net income	$1,619,000	3,255
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,619,000	3,255
Net charge-offs	$366,000	1,176
Cash dividends	$682,000	2,664
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,619,000	3,254
2018-09-30 (YTD Data)		Rank
Total interest income	$5,995,000	2,938
Total interest expense	$793,000	2,770
Net interest income	$5,202,000	2,925
Provision for loan and lease losses	$50,000	3,168
Total noninterest income	$1,867,000	1,762
Gross Fiduciary activities income	$17,000	879
Service charges on deposit accounts	$491,000	1,624
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,359,000	1,610
Total noninterest expense	$5,901,000	2,269
Salaries and employee benefits	$3,195,000	2,355
Premises and equipment expense	$912,000	1,808
Additional noninterest expense	$1,794,000	2,294
Pre-tax net operating income	$1,118,000	3,602
Securities gains (losses)	$0	1,118
Applicable income taxes	$0	4,032
Income before extraordinary items	$1,118,000	3,424
Extraordinary gains, net	$0	5
Net income	$1,118,000	3,423
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,118,000	3,423
Net charge-offs	$79,000	1,902
Cash dividends	$352,000	2,715
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,118,000	3,423
2018-06-30 (YTD Data)		Rank
Total interest income	$3,972,000	2,947
Total interest expense	$525,000	2,736
Net interest income	$3,447,000	2,942
Provision for loan and lease losses	$50,000	2,796
Total noninterest income	$1,204,000	1,796
Gross Fiduciary activities income	$14,000	866
Service charges on deposit accounts	$314,000	1,679
Trading account gains and fees	NA	NA
Additional Noninterest Income	$876,000	1,651
Total noninterest expense	$3,913,000	2,287
Salaries and employee benefits	$2,174,000	2,341
Premises and equipment expense	$583,000	1,865
Additional noninterest expense	$1,156,000	2,362
Pre-tax net operating income	$688,000	3,709
Securities gains (losses)	$0	961
Applicable income taxes	$0	4,018
Income before extraordinary items	$688,000	3,527
Extraordinary gains, net	$0	6
Net income	$688,000	3,526
Minority interest net income	$0	65
Net income of bank and minority interests.	$688,000	3,526
Net charge-offs	$56,000	1,684
Cash dividends	$224,000	2,741
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$688,000	3,526
2018-03-31 (YTD Data)		Rank
Total interest income	$1,961,000	2,975
Total interest expense	$258,000	2,695
Net interest income	$1,703,000	2,979
Provision for loan and lease losses	$50,000	2,055
Total noninterest income	$600,000	1,796
Gross Fiduciary activities income	$12,000	824
Service charges on deposit accounts	$161,000	1,642
Trading account gains and fees	NA	NA
Additional Noninterest Income	$427,000	1,644
Total noninterest expense	$1,944,000	2,322
Salaries and employee benefits	$1,088,000	2,368
Premises and equipment expense	$283,000	1,935
Additional noninterest expense	$573,000	2,376
Pre-tax net operating income	$309,000	3,820
Securities gains (losses)	$0	735
Applicable income taxes	$0	3,948
Income before extraordinary items	$309,000	3,626
Extraordinary gains, net	$0	7
Net income	$309,000	3,626
Minority interest net income	$0	52
Net income of bank and minority interests.	$309,000	3,626
Net charge-offs	$120,000	767
Cash dividends	$96,000	2,375
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$309,000	3,630
2017-12-31 (YTD Data)		Rank
Total interest income	$7,690,000	2,951
Total interest expense	$939,000	2,654
Net interest income	$6,751,000	2,964
Provision for loan and lease losses	$340,000	1,854
Total noninterest income	$2,319,000	1,855
Gross Fiduciary activities income	$67,000	824
Service charges on deposit accounts	$669,000	1,620
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,583,000	1,759
Total noninterest expense	$7,666,000	2,344
Salaries and employee benefits	$4,314,000	2,346
Premises and equipment expense	$1,255,000	1,777
Additional noninterest expense	$2,097,000	2,569
Pre-tax net operating income	$1,064,000	3,990
Securities gains (losses)	$2,000	1,996
Applicable income taxes	$0	4,135
Income before extraordinary items	$1,066,000	3,630
Extraordinary gains, net	$0	9
Net income	$1,066,000	3,629
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,066,000	3,630
Net charge-offs	$157,000	2,032
Cash dividends	$554,000	2,849
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,064,000	3,627
2017-09-30 (YTD Data)		Rank
Total interest income	$5,709,000	2,983
Total interest expense	$684,000	2,681
Net interest income	$5,025,000	2,991
Provision for loan and lease losses	$90,000	2,745
Total noninterest income	$1,744,000	1,870
Gross Fiduciary activities income	$26,000	875
Service charges on deposit accounts	$489,000	1,657
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,229,000	1,736
Total noninterest expense	$5,930,000	2,302
Salaries and employee benefits	$3,252,000	2,341
Premises and equipment expense	$926,000	1,816
Additional noninterest expense	$1,752,000	2,380
Pre-tax net operating income	$749,000	4,152
Securities gains (losses)	$2,000	2,024
Applicable income taxes	$0	4,172
Income before extraordinary items	$751,000	3,933
Extraordinary gains, net	$0	9
Net income	$751,000	3,932
Minority interest net income	$0	71
Net income of bank and minority interests.	$751,000	3,933
Net charge-offs	$100,000	1,936
Cash dividends	$256,000	2,974
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$749,000	3,918
2017-06-30 (YTD Data)		Rank
Total interest income	$3,763,000	3,001
Total interest expense	$451,000	2,662
Net interest income	$3,312,000	3,007
Provision for loan and lease losses	$0	3,871
Total noninterest income	$1,004,000	2,043
Gross Fiduciary activities income	$22,000	857
Service charges on deposit accounts	$313,000	1,698
Trading account gains and fees	NA	NA
Additional Noninterest Income	$669,000	1,979
Total noninterest expense	$3,810,000	2,366
Salaries and employee benefits	$2,199,000	2,333
Premises and equipment expense	$618,000	1,819
Additional noninterest expense	$993,000	2,687
Pre-tax net operating income	$506,000	4,118
Securities gains (losses)	$2,000	1,641
Applicable income taxes	$0	4,189
Income before extraordinary items	$508,000	3,883
Extraordinary gains, net	$0	11
Net income	$508,000	3,881
Minority interest net income	$0	71
Net income of bank and minority interests.	$508,000	3,883
Net charge-offs	$17,000	2,671
Cash dividends	$160,000	2,949
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$506,000	3,873
2017-03-31 (YTD Data)		Rank
Total interest income	$1,861,000	3,024
Total interest expense	$224,000	2,642
Net interest income	$1,637,000	3,027
Provision for loan and lease losses	$0	3,537
Total noninterest income	$610,000	1,801
Gross Fiduciary activities income	$17,000	831
Service charges on deposit accounts	$153,000	1,722
Trading account gains and fees	NA	NA
Additional Noninterest Income	$440,000	1,658
Total noninterest expense	$1,883,000	2,404
Salaries and employee benefits	$1,083,000	2,389
Premises and equipment expense	$300,000	1,884
Additional noninterest expense	$500,000	2,672
Pre-tax net operating income	$364,000	3,558
Securities gains (losses)	$0	1,153
Applicable income taxes	$0	4,086
Income before extraordinary items	$364,000	3,295
Extraordinary gains, net	$0	8
Net income	$364,000	3,294
Minority interest net income	$0	55
Net income of bank and minority interests.	$364,000	3,295
Net charge-offs	$10,000	2,203
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$364,000	3,271
2016-12-31 (YTD Data)		Rank
Total interest income	$7,624,000	2,946
Total interest expense	$1,029,000	2,375
Net interest income	$6,595,000	3,012
Provision for loan and lease losses	$229,000	2,291
Total noninterest income	$2,615,000	1,799
Gross Fiduciary activities income	$65,000	846
Service charges on deposit accounts	$623,000	1,756
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,927,000	1,627
Total noninterest expense	$7,997,000	2,293
Salaries and employee benefits	$4,450,000	2,298
Premises and equipment expense	$1,210,000	1,846
Additional noninterest expense	$2,337,000	2,444
Pre-tax net operating income	$984,000	4,092
Securities gains (losses)	$96,000	1,378
Applicable income taxes	$0	4,278
Income before extraordinary items	$1,080,000	3,779
Extraordinary gains, net	$0	5
Net income	$1,080,000	3,777
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,080,000	3,778
Net charge-offs	$169,000	2,113
Cash dividends	$548,000	2,869
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$984,000	3,853
2016-09-30 (YTD Data)		Rank
Total interest income	$5,710,000	2,955
Total interest expense	$793,000	2,325
Net interest income	$4,917,000	3,035
Provision for loan and lease losses	$205,000	2,021
Total noninterest income	$1,916,000	1,827
Gross Fiduciary activities income	$35,000	870
Service charges on deposit accounts	$466,000	1,765
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,415,000	1,645
Total noninterest expense	$5,958,000	2,300
Salaries and employee benefits	$3,253,000	2,340
Premises and equipment expense	$891,000	1,886
Additional noninterest expense	$1,814,000	2,375
Pre-tax net operating income	$670,000	4,299
Securities gains (losses)	$96,000	1,292
Applicable income taxes	$0	4,325
Income before extraordinary items	$766,000	3,911
Extraordinary gains, net	$0	5
Net income	$766,000	3,909
Minority interest net income	$0	71
Net income of bank and minority interests.	$766,000	3,911
Net charge-offs	$154,000	1,666
Cash dividends	$234,000	3,056
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$670,000	4,039
2016-06-30 (YTD Data)		Rank
Total interest income	$3,809,000	2,962
Total interest expense	$547,000	2,284
Net interest income	$3,262,000	3,056
Provision for loan and lease losses	$159,000	1,850
Total noninterest income	$1,232,000	1,865
Gross Fiduciary activities income	$29,000	865
Service charges on deposit accounts	$306,000	1,777
Trading account gains and fees	$0	157
Additional Noninterest Income	$897,000	1,677
Total noninterest expense	$3,950,000	2,325
Salaries and employee benefits	$2,154,000	2,358
Premises and equipment expense	$576,000	1,927
Additional noninterest expense	$1,220,000	2,360
Pre-tax net operating income	$385,000	4,481
Securities gains (losses)	$66,000	1,249
Applicable income taxes	$0	4,338
Income before extraordinary items	$451,000	4,115
Extraordinary gains, net	$0	16
Net income	$451,000	4,112
Minority interest net income	$0	71
Net income of bank and minority interests.	$451,000	4,114
Net charge-offs	$129,000	1,419
Cash dividends	$138,000	3,105
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$385,000	4,243
2016-03-31 (YTD Data)		Rank
Total interest income	$1,905,000	2,965
Total interest expense	$275,000	2,278
Net interest income	$1,630,000	3,062
Provision for loan and lease losses	$144,000	1,253
Total noninterest income	$638,000	1,766
Gross Fiduciary activities income	$23,000	827
Service charges on deposit accounts	$146,000	1,834
Trading account gains and fees	$0	142
Additional Noninterest Income	$469,000	1,572
Total noninterest expense	$1,915,000	2,393
Salaries and employee benefits	$1,088,000	2,347
Premises and equipment expense	$304,000	1,852
Additional noninterest expense	$523,000	2,683
Pre-tax net operating income	$209,000	4,384
Securities gains (losses)	$34,000	996
Applicable income taxes	$0	4,259
Income before extraordinary items	$243,000	3,968
Extraordinary gains, net	$0	12
Net income	$243,000	3,965
Minority interest net income	$0	62
Net income of bank and minority interests.	$243,000	3,966
Net charge-offs	$144,000	810
Cash dividends	$74,000	2,527
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$209,000	4,119
2015-12-31 (YTD Data)		Rank
Total interest income	$7,750,000	2,898
Total interest expense	$1,137,000	2,207
Net interest income	$6,613,000	2,987
Provision for loan and lease losses	$377,000	1,651
Total noninterest income	$2,528,000	1,817
Gross Fiduciary activities income	$75,000	854
Service charges on deposit accounts	$552,000	1,972
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,901,000	1,584
Total noninterest expense	$7,680,000	2,386
Salaries and employee benefits	$4,205,000	2,383
Premises and equipment expense	$1,299,000	1,756
Additional noninterest expense	$2,176,000	2,613
Pre-tax net operating income	$1,084,000	3,983
Securities gains (losses)	$14,000	2,423
Applicable income taxes	$0	4,402
Income before extraordinary items	$1,098,000	3,774
Extraordinary gains, net	$0	23
Net income	$1,098,000	3,774
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,098,000	3,775
Net charge-offs	$181,000	2,077
Cash dividends	$548,000	2,834
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,084,000	3,746
2015-09-30 (YTD Data)		Rank
Total interest income	$5,791,000	2,925
Total interest expense	$851,000	2,230
Net interest income	$4,940,000	3,024
Provision for loan and lease losses	$243,000	1,739
Total noninterest income	$1,813,000	1,889
Gross Fiduciary activities income	$49,000	869
Service charges on deposit accounts	$396,000	2,056
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,368,000	1,651
Total noninterest expense	$5,763,000	2,376
Salaries and employee benefits	$3,141,000	2,395
Premises and equipment expense	$1,029,000	1,679
Additional noninterest expense	$1,593,000	2,664
Pre-tax net operating income	$747,000	4,182
Securities gains (losses)	$7,000	2,511
Applicable income taxes	$0	4,489
Income before extraordinary items	$754,000	3,988
Extraordinary gains, net	$0	21
Net income	$754,000	3,987
Minority interest net income	$0	78
Net income of bank and minority interests.	$754,000	3,989
Net charge-offs	$146,000	1,823
Cash dividends	$308,000	2,772
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$747,000	3,939
2015-06-30 (YTD Data)		Rank
Total interest income	$3,833,000	2,944
Total interest expense	$564,000	2,253
Net interest income	$3,269,000	3,044
Provision for loan and lease losses	$35,000	3,134
Total noninterest income	$1,188,000	1,924
Gross Fiduciary activities income	$13,000	959
Service charges on deposit accounts	$246,000	2,130
Trading account gains and fees	$0	157
Additional Noninterest Income	$929,000	1,635
Total noninterest expense	$3,803,000	2,407
Salaries and employee benefits	$2,078,000	2,428
Premises and equipment expense	$694,000	1,674
Additional noninterest expense	$1,031,000	2,742
Pre-tax net operating income	$619,000	3,848
Securities gains (losses)	$0	2,636
Applicable income taxes	$0	4,497
Income before extraordinary items	$619,000	3,611
Extraordinary gains, net	$0	22
Net income	$619,000	3,612
Minority interest net income	$0	75
Net income of bank and minority interests.	$619,000	3,613
Net charge-offs	$11,000	3,221
Cash dividends	$212,000	2,722
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$619,000	3,558
2015-03-31 (YTD Data)		Rank
Total interest income	$1,918,000	2,936
Total interest expense	$280,000	2,285
Net interest income	$1,638,000	3,036
Provision for loan and lease losses	$2,000	3,615
Total noninterest income	$639,000	1,799
Gross Fiduciary activities income	$12,000	912
Service charges on deposit accounts	$114,000	2,259
Trading account gains and fees	$0	152
Additional Noninterest Income	$513,000	1,480
Total noninterest expense	$1,894,000	2,427
Salaries and employee benefits	$1,025,000	2,475
Premises and equipment expense	$358,000	1,648
Additional noninterest expense	$511,000	2,740
Pre-tax net operating income	$381,000	3,459
Securities gains (losses)	$0	2,027
Applicable income taxes	$0	4,400
Income before extraordinary items	$381,000	3,218
Extraordinary gains, net	$0	13
Net income	$381,000	3,221
Minority interest net income	$0	64
Net income of bank and minority interests.	$381,000	3,221
Net charge-offs	$7,000	2,613
Cash dividends	$116,000	2,231
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$381,000	3,141
2014-12-31 (YTD Data)		Rank
Total interest income	$7,220,000	3,109
Total interest expense	$1,121,000	2,381
Net interest income	$6,099,000	3,210
Provision for loan and lease losses	$215,000	2,386
Total noninterest income	$2,398,000	1,853
Gross Fiduciary activities income	$68,000	899
Service charges on deposit accounts	$542,000	2,152
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,788,000	1,591
Total noninterest expense	$7,260,000	2,531
Salaries and employee benefits	$3,991,000	2,504
Premises and equipment expense	$1,275,000	1,815
Additional noninterest expense	$1,994,000	2,887
Pre-tax net operating income	$1,022,000	4,095
Securities gains (losses)	$-78,000	6,307
Applicable income taxes	$0	4,531
Income before extraordinary items	$944,000	4,060
Extraordinary gains, net	$0	17
Net income	$944,000	4,059
Minority interest net income	$0	84
Net income of bank and minority interests.	$944,000	4,061
Net charge-offs	$356,000	1,840
Cash dividends	$512,000	2,813
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,022,000	3,867
2014-09-30 (YTD Data)		Rank
Total interest income	$5,297,000	3,184
Total interest expense	$827,000	2,455
Net interest income	$4,470,000	3,283
Provision for loan and lease losses	$60,000	3,250
Total noninterest income	$1,716,000	1,938
Gross Fiduciary activities income	$24,000	965
Service charges on deposit accounts	$406,000	2,159
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,286,000	1,633
Total noninterest expense	$5,251,000	2,608
Salaries and employee benefits	$2,925,000	2,557
Premises and equipment expense	$933,000	1,870
Additional noninterest expense	$1,393,000	3,055
Pre-tax net operating income	$875,000	3,977
Securities gains (losses)	$-83,000	6,417
Applicable income taxes	$0	4,583
Income before extraordinary items	$792,000	3,926
Extraordinary gains, net	$0	15
Net income	$792,000	3,928
Minority interest net income	$0	81
Net income of bank and minority interests.	$792,000	3,929
Net charge-offs	$96,000	2,730
Cash dividends	$224,000	2,996
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$875,000	3,692
2014-06-30 (YTD Data)		Rank
Total interest income	$3,431,000	3,261
Total interest expense	$538,000	2,519
Net interest income	$2,893,000	3,354
Provision for loan and lease losses	$0	4,196
Total noninterest income	$1,087,000	1,983
Gross Fiduciary activities income	$16,000	966
Service charges on deposit accounts	$242,000	2,328
Trading account gains and fees	$0	172
Additional Noninterest Income	$829,000	1,664
Total noninterest expense	$3,510,000	2,612
Salaries and employee benefits	$1,967,000	2,552
Premises and equipment expense	$605,000	1,930
Additional noninterest expense	$938,000	3,041
Pre-tax net operating income	$470,000	4,274
Securities gains (losses)	$-84,000	6,533
Applicable income taxes	$0	4,568
Income before extraordinary items	$386,000	4,366
Extraordinary gains, net	$0	20
Net income	$386,000	4,370
Minority interest net income	$0	80
Net income of bank and minority interests.	$386,000	4,371
Net charge-offs	$26,000	3,261
Cash dividends	$128,000	3,019
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$470,000	4,006
2014-03-31 (YTD Data)		Rank
Total interest income	$1,676,000	3,328
Total interest expense	$258,000	2,610
Net interest income	$1,418,000	3,402
Provision for loan and lease losses	$0	3,817
Total noninterest income	$551,000	1,906
Gross Fiduciary activities income	$13,000	921
Service charges on deposit accounts	$115,000	2,391
Trading account gains and fees	$0	147
Additional Noninterest Income	$423,000	1,578
Total noninterest expense	$1,684,000	2,710
Salaries and employee benefits	$940,000	2,661
Premises and equipment expense	$299,000	1,992
Additional noninterest expense	$445,000	3,163
Pre-tax net operating income	$285,000	3,899
Securities gains (losses)	$-84,000	6,635
Applicable income taxes	$0	4,445
Income before extraordinary items	$201,000	4,243
Extraordinary gains, net	$0	16
Net income	$201,000	4,243
Minority interest net income	$0	66
Net income of bank and minority interests.	$201,000	4,245
Net charge-offs	$6,000	3,056
Cash dividends	$64,000	2,463
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$285,000	3,577
2013-12-31 (YTD Data)		Rank
Total interest income	$6,450,000	3,452
Total interest expense	$906,000	3,172
Net interest income	$5,544,000	3,455
Provision for loan and lease losses	$100,000	3,676
Total noninterest income	$2,278,000	1,970
Gross Fiduciary activities income	$66,000	919
Service charges on deposit accounts	$566,000	2,171
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,646,000	1,743
Total noninterest expense	$6,658,000	2,737
Salaries and employee benefits	$3,560,000	2,760
Premises and equipment expense	$1,165,000	1,969
Additional noninterest expense	$1,933,000	3,055
Pre-tax net operating income	$1,064,000	3,982
Securities gains (losses)	$77,000	1,506
Applicable income taxes	$0	4,631
Income before extraordinary items	$1,141,000	3,651
Extraordinary gains, net	$0	29
Net income	$1,141,000	3,654
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,141,000	3,655
Net charge-offs	$21,000	4,826
Cash dividends	$833,000	2,162
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,064,000	3,733
2013-09-30 (YTD Data)		Rank
Total interest income	$4,774,000	3,515
Total interest expense	$671,000	3,270
Net interest income	$4,103,000	3,506
Provision for loan and lease losses	$100,000	3,343
Total noninterest income	$1,687,000	2,040
Gross Fiduciary activities income	$21,000	999
Service charges on deposit accounts	$424,000	2,176
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,242,000	1,782
Total noninterest expense	$4,748,000	2,871
Salaries and employee benefits	$2,586,000	2,849
Premises and equipment expense	$801,000	2,143
Additional noninterest expense	$1,361,000	3,194
Pre-tax net operating income	$942,000	3,774
Securities gains (losses)	$76,000	1,402
Applicable income taxes	$0	4,713
Income before extraordinary items	$1,018,000	3,393
Extraordinary gains, net	$0	25
Net income	$1,018,000	3,396
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,018,000	3,397
Net charge-offs	$11,000	4,675
Cash dividends	$385,000	2,382
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$942,000	3,451
2013-06-30 (YTD Data)		Rank
Total interest income	$3,154,000	3,541
Total interest expense	$443,000	3,351
Net interest income	$2,711,000	3,521
Provision for loan and lease losses	$100,000	2,924
Total noninterest income	$1,000,000	2,228
Gross Fiduciary activities income	$17,000	982
Service charges on deposit accounts	$275,000	2,193
Trading account gains and fees	$0	157
Additional Noninterest Income	$708,000	1,995
Total noninterest expense	$3,045,000	2,961
Salaries and employee benefits	$1,661,000	2,935
Premises and equipment expense	$516,000	2,216
Additional noninterest expense	$868,000	3,299
Pre-tax net operating income	$566,000	3,927
Securities gains (losses)	$48,000	1,546
Applicable income taxes	$0	4,679
Income before extraordinary items	$614,000	3,566
Extraordinary gains, net	$0	22
Net income	$614,000	3,568
Minority interest net income	$0	82
Net income of bank and minority interests.	$614,000	3,569
Net charge-offs	$16,000	4,121
Cash dividends	$257,000	2,351
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$566,000	3,614
2013-03-31 (YTD Data)		Rank
Total interest income	$1,556,000	3,604
Total interest expense	$223,000	3,424
Net interest income	$1,333,000	3,581
Provision for loan and lease losses	$0	4,409
Total noninterest income	$483,000	2,280
Gross Fiduciary activities income	$6,000	1,004
Service charges on deposit accounts	$131,000	2,264
Trading account gains and fees	$0	148
Additional Noninterest Income	$346,000	2,032
Total noninterest expense	$1,524,000	2,978
Salaries and employee benefits	$861,000	2,879
Premises and equipment expense	$235,000	2,422
Additional noninterest expense	$428,000	3,346
Pre-tax net operating income	$292,000	3,849
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$292,000	3,618
Extraordinary gains, net	$0	10
Net income	$292,000	3,618
Minority interest net income	$0	76
Net income of bank and minority interests.	$292,000	3,620
Net charge-offs	$19,000	3,117
Cash dividends	$128,000	1,903
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$292,000	3,525
2012-12-31 (YTD Data)		Rank
Total interest income	$6,271,000	3,720
Total interest expense	$1,041,000	3,521
Net interest income	$5,230,000	3,701
Provision for loan and lease losses	$118,000	4,531
Total noninterest income	$1,953,000	2,226
Gross Fiduciary activities income	$64,000	944
Service charges on deposit accounts	$606,000	2,137
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,283,000	2,038
Total noninterest expense	$5,614,000	3,184
Salaries and employee benefits	$2,848,000	3,245
Premises and equipment expense	$914,000	2,455
Additional noninterest expense	$1,852,000	3,266
Pre-tax net operating income	$1,451,000	3,385
Securities gains (losses)	$242,000	1,532
Applicable income taxes	$0	4,751
Income before extraordinary items	$1,693,000	2,902
Extraordinary gains, net	$0	29
Net income	$1,693,000	2,904
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,693,000	2,904
Net charge-offs	$77,000	4,628
Cash dividends	$1,024,000	1,905
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,451,000	3,058
2012-09-30 (YTD Data)		Rank
Total interest income	$4,675,000	3,797
Total interest expense	$794,000	3,605
Net interest income	$3,881,000	3,783
Provision for loan and lease losses	$73,000	4,693
Total noninterest income	$1,383,000	2,300
Gross Fiduciary activities income	$19,000	1,029
Service charges on deposit accounts	$450,000	2,182
Trading account gains and fees	$0	157
Additional Noninterest Income	$914,000	2,104
Total noninterest expense	$3,906,000	3,390
Salaries and employee benefits	$2,103,000	3,304
Premises and equipment expense	$629,000	2,665
Additional noninterest expense	$1,174,000	3,715
Pre-tax net operating income	$1,285,000	3,168
Securities gains (losses)	$111,000	1,897
Applicable income taxes	$0	4,802
Income before extraordinary items	$1,396,000	2,767
Extraordinary gains, net	$0	20
Net income	$1,396,000	2,768
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,396,000	2,767
Net charge-offs	$31,000	4,837
Cash dividends	$431,000	2,195
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,285,000	2,789
2012-06-30 (YTD Data)		Rank
Total interest income	$3,074,000	3,858
Total interest expense	$534,000	3,665
Net interest income	$2,540,000	3,853
Provision for loan and lease losses	$53,000	4,527
Total noninterest income	$817,000	2,456
Gross Fiduciary activities income	$15,000	1,014
Service charges on deposit accounts	$286,000	2,246
Trading account gains and fees	$0	153
Additional Noninterest Income	$516,000	2,285
Total noninterest expense	$2,498,000	3,502
Salaries and employee benefits	$1,359,000	3,394
Premises and equipment expense	$430,000	2,613
Additional noninterest expense	$709,000	3,954
Pre-tax net operating income	$806,000	3,267
Securities gains (losses)	$106,000	1,551
Applicable income taxes	$0	4,770
Income before extraordinary items	$912,000	2,782
Extraordinary gains, net	$0	19
Net income	$912,000	2,783
Minority interest net income	$0	84
Net income of bank and minority interests.	$912,000	2,783
Net charge-offs	$25,000	4,496
Cash dividends	$287,000	2,215
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$806,000	2,878
2012-03-31 (YTD Data)		Rank
Total interest income	$1,533,000	3,919
Total interest expense	$272,000	3,730
Net interest income	$1,261,000	3,893
Provision for loan and lease losses	$28,000	4,279
Total noninterest income	$407,000	2,448
Gross Fiduciary activities income	$12,000	965
Service charges on deposit accounts	$134,000	2,346
Trading account gains and fees	$0	148
Additional Noninterest Income	$261,000	2,280
Total noninterest expense	$1,289,000	3,451
Salaries and employee benefits	$713,000	3,298
Premises and equipment expense	$224,000	2,548
Additional noninterest expense	$352,000	3,970
Pre-tax net operating income	$351,000	3,551
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$351,000	3,346
Extraordinary gains, net	$0	19
Net income	$351,000	3,349
Minority interest net income	$0	78
Net income of bank and minority interests.	$351,000	3,349
Net charge-offs	$27,000	3,487
Cash dividends	$144,000	1,843
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$351,000	3,176
2011-12-31 (YTD Data)		Rank
Total interest income	$6,230,000	3,951
Total interest expense	$1,255,000	3,858
Net interest income	$4,975,000	3,919
Provision for loan and lease losses	$271,000	4,262
Total noninterest income	$1,735,000	2,219
Gross Fiduciary activities income	$62,000	893
Service charges on deposit accounts	$748,000	1,880
Trading account gains and fees	$0	146
Additional Noninterest Income	$925,000	2,242
Total noninterest expense	$4,977,000	3,552
Salaries and employee benefits	$2,565,000	3,489
Premises and equipment expense	$868,000	2,724
Additional noninterest expense	$1,544,000	3,784
Pre-tax net operating income	$1,462,000	3,075
Securities gains (losses)	$137,000	1,781
Applicable income taxes	$0	4,719
Income before extraordinary items	$1,599,000	2,658
Extraordinary gains, net	$0	29
Net income	$1,599,000	2,659
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,599,000	2,659
Net charge-offs	$201,000	4,288
Cash dividends	$957,000	1,684
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,462,000	2,723
2011-09-30 (YTD Data)		Rank
Total interest income	$4,661,000	3,996
Total interest expense	$981,000	3,873
Net interest income	$3,680,000	3,975
Provision for loan and lease losses	$203,000	4,132
Total noninterest income	$1,238,000	2,283
Gross Fiduciary activities income	$18,000	991
Service charges on deposit accounts	$543,000	1,936
Trading account gains and fees	$0	145
Additional Noninterest Income	$677,000	2,259
Total noninterest expense	$3,573,000	3,666
Salaries and employee benefits	$1,806,000	3,661
Premises and equipment expense	$649,000	2,758
Additional noninterest expense	$1,118,000	3,874
Pre-tax net operating income	$1,142,000	3,081
Securities gains (losses)	$116,000	1,650
Applicable income taxes	$0	4,740
Income before extraordinary items	$1,258,000	2,635
Extraordinary gains, net	$0	21
Net income	$1,258,000	2,637
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,258,000	2,637
Net charge-offs	$58,000	4,871
Cash dividends	$383,000	2,091
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,142,000	2,713
2011-06-30 (YTD Data)		Rank
Total interest income	$3,060,000	4,082
Total interest expense	$668,000	3,928
Net interest income	$2,392,000	4,055
Provision for loan and lease losses	$172,000	3,748
Total noninterest income	$731,000	2,466
Gross Fiduciary activities income	$14,000	981
Service charges on deposit accounts	$343,000	2,009
Trading account gains and fees	$0	153
Additional Noninterest Income	$374,000	2,535
Total noninterest expense	$2,281,000	3,827
Salaries and employee benefits	$1,142,000	3,852
Premises and equipment expense	$439,000	2,737
Additional noninterest expense	$700,000	4,109
Pre-tax net operating income	$670,000	3,259
Securities gains (losses)	$100,000	1,143
Applicable income taxes	$0	4,697
Income before extraordinary items	$770,000	2,740
Extraordinary gains, net	$0	15
Net income	$770,000	2,741
Minority interest net income	$0	89
Net income of bank and minority interests.	$770,000	2,741
Net charge-offs	$25,000	4,940
Cash dividends	$255,000	2,064
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$670,000	2,919
2011-03-31 (YTD Data)		Rank
Total interest income	$1,488,000	4,186
Total interest expense	$345,000	3,956
Net interest income	$1,143,000	4,193
Provision for loan and lease losses	$41,000	4,376
Total noninterest income	$335,000	2,633
Gross Fiduciary activities income	$8,000	961
Service charges on deposit accounts	$160,000	2,103
Trading account gains and fees	$0	158
Additional Noninterest Income	$167,000	2,732
Total noninterest expense	$1,095,000	3,948
Salaries and employee benefits	$513,000	4,156
Premises and equipment expense	$212,000	2,844
Additional noninterest expense	$370,000	3,941
Pre-tax net operating income	$342,000	3,285
Securities gains (losses)	$81,000	606
Applicable income taxes	$0	4,545
Income before extraordinary items	$423,000	2,543
Extraordinary gains, net	$0	9
Net income	$423,000	2,542
Minority interest net income	$0	86
Net income of bank and minority interests.	$423,000	2,543
Net charge-offs	$23,000	3,949
Cash dividends	$128,000	1,728
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$342,000	2,920
2010-12-31 (YTD Data)		Rank
Total interest income	$5,692,000	4,469
Total interest expense	$1,515,000	4,241
Net interest income	$4,177,000	4,458
Provision for loan and lease losses	$157,000	5,600
Total noninterest income	$1,095,000	3,073
Gross Fiduciary activities income	$107,000	866
Service charges on deposit accounts	$730,000	1,977
Trading account gains and fees	$0	175
Additional Noninterest Income	$258,000	4,200
Total noninterest expense	$4,451,000	3,924
Salaries and employee benefits	$2,238,000	3,914
Premises and equipment expense	$694,000	3,319
Additional noninterest expense	$1,519,000	3,972
Pre-tax net operating income	$664,000	3,996
Securities gains (losses)	$171,000	1,711
Applicable income taxes	$1,000	4,548
Income before extraordinary items	$834,000	3,536
Extraordinary gains, net	$0	29
Net income	$834,000	3,533
Minority interest net income	$0	111
Net income of bank and minority interests.	$834,000	3,536
Net charge-offs	$131,000	5,178
Cash dividends	$511,000	2,316
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$663,000	3,791
2010-09-30 (YTD Data)		Rank
Total interest income	$4,210,000	4,588
Total interest expense	$1,164,000	4,325
Net interest income	$3,046,000	4,612
Provision for loan and lease losses	$53,000	6,203
Total noninterest income	$1,290,000	2,325
Gross Fiduciary activities income	$37,000	952
Service charges on deposit accounts	$542,000	2,049
Trading account gains and fees	$0	165
Additional Noninterest Income	$711,000	2,237
Total noninterest expense	$3,724,000	3,632
Salaries and employee benefits	$1,575,000	4,131
Premises and equipment expense	$509,000	3,440
Additional noninterest expense	$1,640,000	2,968
Pre-tax net operating income	$559,000	4,049
Securities gains (losses)	$2,000	3,465
Applicable income taxes	$0	4,726
Income before extraordinary items	$561,000	3,903
Extraordinary gains, net	$0	23
Net income	$561,000	3,905
Minority interest net income	$0	110
Net income of bank and minority interests.	$561,000	3,905
Net charge-offs	$67,000	5,286
Cash dividends	$224,000	2,624
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$559,000	3,759
2010-06-30 (YTD Data)		Rank
Total interest income	$2,760,000	4,674
Total interest expense	$802,000	4,338
Net interest income	$1,958,000	4,718
Provision for loan and lease losses	$35,000	6,087
Total noninterest income	$219,000	4,861
Gross Fiduciary activities income	$32,000	931
Service charges on deposit accounts	$349,000	2,106
Trading account gains and fees	$0	152
Additional Noninterest Income	$-162,000	7,582
Total noninterest expense	$2,112,000	4,084
Salaries and employee benefits	$1,058,000	4,127
Premises and equipment expense	$318,000	3,649
Additional noninterest expense	$736,000	4,006
Pre-tax net operating income	$30,000	5,923
Securities gains (losses)	$69,000	1,672
Applicable income taxes	$1,000	4,552
Income before extraordinary items	$98,000	5,553
Extraordinary gains, net	$0	19
Net income	$98,000	5,556
Minority interest net income	$0	105
Net income of bank and minority interests.	$98,000	5,555
Net charge-offs	$69,000	4,604
Cash dividends	$160,000	2,492
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$29,690	5,932
2010-03-31 (YTD Data)		Rank
Total interest income	$1,366,000	4,760
Total interest expense	$413,000	4,389
Net interest income	$953,000	4,809
Provision for loan and lease losses	$16,000	5,847
Total noninterest income	$368,000	2,517
Gross Fiduciary activities income	$26,000	875
Service charges on deposit accounts	$166,000	2,165
Trading account gains and fees	$0	175
Additional Noninterest Income	$176,000	2,581
Total noninterest expense	$959,000	4,413
Salaries and employee benefits	$496,000	4,379
Premises and equipment expense	$169,000	3,552
Additional noninterest expense	$294,000	4,641
Pre-tax net operating income	$346,000	3,098
Securities gains (losses)	$-19,000	7,553
Applicable income taxes	$1,000	4,457
Income before extraordinary items	$326,000	2,974
Extraordinary gains, net	$0	16
Net income	$326,000	2,970
Minority interest net income	$0	91
Net income of bank and minority interests.	$326,000	2,974
Net charge-offs	$82,000	3,291
Cash dividends	$96,000	1,951
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$345,000	2,733
2009-12-31 (YTD Data)		Rank
Total interest income	$5,729,000	4,750
Total interest expense	$2,022,000	4,421
Net interest income	$3,707,000	4,797
Provision for loan and lease losses	$65,000	6,710
Total noninterest income	$1,656,000	2,407
Gross Fiduciary activities income	$44,000	981
Service charges on deposit accounts	$638,000	2,432
Trading account gains and fees	$0	211
Additional Noninterest Income	$974,000	2,175
Total noninterest expense	$4,563,000	3,957
Salaries and employee benefits	$2,215,000	4,048
Premises and equipment expense	$768,000	3,237
Additional noninterest expense	$1,580,000	3,940
Pre-tax net operating income	$735,000	3,486
Securities gains (losses)	$292,000	1,266
Applicable income taxes	$10,000	3,886
Income before extraordinary items	$1,017,000	2,738
Extraordinary gains, net	$0	34
Net income	$1,017,000	2,737
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,017,000	2,738
Net charge-offs	$53,000	6,172
Cash dividends	$1,117,000	1,508
Sale, conversion, retirement of capital stock, net	$1,385,000	385
Net operating income	$727,920	3,239
2009-09-30 (YTD Data)		Rank
Total interest income	$2,348,000	6,340
Total interest expense	$872,000	5,860
Net interest income	$1,476,000	6,408
Provision for loan and lease losses	$6,000	7,192
Total noninterest income	$754,000	3,393
Gross Fiduciary activities income	$13,000	1,086
Service charges on deposit accounts	$132,000	4,904
Trading account gains and fees	$0	212
Additional Noninterest Income	$609,000	2,496
Total noninterest expense	$1,518,000	6,220
Salaries and employee benefits	$757,000	6,248
Premises and equipment expense	$179,000	6,203
Additional noninterest expense	$582,000	5,899
Pre-tax net operating income	$706,000	3,316
Securities gains (losses)	$26,000	2,633
Applicable income taxes	$6,000	4,171
Income before extraordinary items	$726,000	3,055
Extraordinary gains, net	$0	27
Net income	$726,000	3,053
Minority interest net income	$0	118
Net income of bank and minority interests.	$726,000	3,056
Net charge-offs	$8,000	6,593
Cash dividends	$524,000	1,948
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$700,260	3,040
2009-06-30 (YTD Data)		Rank
Total interest income	$1,564,000	6,388
Total interest expense	$613,000	5,871
Net interest income	$951,000	6,501
Provision for loan and lease losses	$6,000	7,015
Total noninterest income	$395,000	3,865
Gross Fiduciary activities income	$10,000	1,074
Service charges on deposit accounts	$83,000	5,005
Trading account gains and fees	$0	193
Additional Noninterest Income	$302,000	2,990
Total noninterest expense	$959,000	6,381
Salaries and employee benefits	$497,000	6,356
Premises and equipment expense	$121,000	6,226
Additional noninterest expense	$341,000	6,220
Pre-tax net operating income	$381,000	3,769
Securities gains (losses)	$15,000	2,438
Applicable income taxes	$6,000	4,180
Income before extraordinary items	$390,000	3,516
Extraordinary gains, net	$0	21
Net income	$390,000	3,513
Minority interest net income	$0	112
Net income of bank and minority interests.	$390,000	3,514
Net charge-offs	$6,000	6,180
Cash dividends	$427,000	1,810
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$375,300	3,475
2009-03-31 (YTD Data)		Rank
Total interest income	$775,000	6,449
Total interest expense	$324,000	5,853
Net interest income	$451,000	6,629
Provision for loan and lease losses	$6,000	6,481
Total noninterest income	$178,000	4,042
Gross Fiduciary activities income	$8,000	1,010
Service charges on deposit accounts	$41,000	4,966
Trading account gains and fees	$0	171
Additional Noninterest Income	$129,000	3,218
Total noninterest expense	$456,000	6,474
Salaries and employee benefits	$237,000	6,511
Premises and equipment expense	$63,000	6,194
Additional noninterest expense	$156,000	6,206
Pre-tax net operating income	$167,000	4,332
Securities gains (losses)	$0	2,434
Applicable income taxes	$6,000	4,227
Income before extraordinary items	$161,000	4,222
Extraordinary gains, net	$0	15
Net income	$161,000	4,225
Minority interest net income	$0	102
Net income of bank and minority interests.	$161,000	4,225
Net charge-offs	$5,000	5,094
Cash dividends	$348,000	1,245
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$161,000	4,066
2008-12-31 (YTD Data)		Rank
Total interest income	$3,260,000	6,455
Total interest expense	$1,379,000	6,155
Net interest income	$1,881,000	6,552
Provision for loan and lease losses	$12,000	7,126
Total noninterest income	$1,212,000	3,027
Gross Fiduciary activities income	$36,000	1,026
Service charges on deposit accounts	$183,000	4,956
Trading account gains and fees	$0	154
Additional Noninterest Income	$993,000	2,128
Total noninterest expense	$2,188,000	5,999
Salaries and employee benefits	$1,126,000	6,143
Premises and equipment expense	$249,000	6,256
Additional noninterest expense	$813,000	5,435
Pre-tax net operating income	$893,000	3,960
Securities gains (losses)	$37,000	1,803
Applicable income taxes	$6,000	4,630
Income before extraordinary items	$924,000	3,432
Extraordinary gains, net	$0	39
Net income	$924,000	3,432
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	6,480
Cash dividends	$1,035,000	2,240
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$887,370	3,661
2008-09-30 (YTD Data)		Rank
Total interest income	$2,435,000	6,526
Total interest expense	$1,026,000	6,269
Net interest income	$1,409,000	6,605
Provision for loan and lease losses	$12,000	6,700
Total noninterest income	$798,000	3,343
Gross Fiduciary activities income	$10,000	1,153
Service charges on deposit accounts	$134,000	5,041
Trading account gains and fees	$0	148
Additional Noninterest Income	$654,000	2,415
Total noninterest expense	$1,475,000	6,265
Salaries and employee benefits	$760,000	6,411
Premises and equipment expense	$187,000	6,271
Additional noninterest expense	$528,000	5,764
Pre-tax net operating income	$720,000	4,285
Securities gains (losses)	$43,000	1,518
Applicable income taxes	$6,000	4,986
Income before extraordinary items	$757,000	3,667
Extraordinary gains, net	$0	31
Net income	$757,000	3,666
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,694
Cash dividends	$755,000	2,167
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$714,430	3,923
2008-06-30 (YTD Data)		Rank
Total interest income	$1,629,000	6,590
Total interest expense	$673,000	6,443
Net interest income	$956,000	6,574
Provision for loan and lease losses	$0	6,671
Total noninterest income	$443,000	3,785
Gross Fiduciary activities income	$6,000	1,200
Service charges on deposit accounts	$88,000	5,077
Trading account gains and fees	$0	149
Additional Noninterest Income	$349,000	2,784
Total noninterest expense	$890,000	6,562
Salaries and employee benefits	$482,000	6,574
Premises and equipment expense	$127,000	6,258
Additional noninterest expense	$281,000	6,347
Pre-tax net operating income	$509,000	4,346
Securities gains (losses)	$44,000	1,531
Applicable income taxes	$0	5,627
Income before extraordinary items	$553,000	3,810
Extraordinary gains, net	$0	21
Net income	$553,000	3,811
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,998
Cash dividends	$535,000	2,186
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$509,000	3,923
2008-03-31 (YTD Data)		Rank
Total interest income	$855,000	6,563
Total interest expense	$362,000	6,446
Net interest income	$493,000	6,535
Provision for loan and lease losses	$0	6,080
Total noninterest income	$195,000	4,057
Gross Fiduciary activities income	$4,000	1,139
Service charges on deposit accounts	$46,000	4,958
Trading account gains and fees	$0	158
Additional Noninterest Income	$145,000	3,095
Total noninterest expense	$466,000	6,480
Salaries and employee benefits	$248,000	6,539
Premises and equipment expense	$64,000	6,286
Additional noninterest expense	$154,000	6,116
Pre-tax net operating income	$222,000	4,758
Securities gains (losses)	$47,000	1,120
Applicable income taxes	$0	5,622
Income before extraordinary items	$269,000	4,048
Extraordinary gains, net	$0	15
Net income	$269,000	4,050
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$390,000	1,645
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$222,000	4,343
2007-12-31 (YTD Data)		Rank
Total interest income	$3,318,000	6,637
Total interest expense	$1,445,000	6,500
Net interest income	$1,873,000	6,659
Provision for loan and lease losses	$96,000	4,972
Total noninterest income	$1,141,000	3,245
Gross Fiduciary activities income	$91,000	933
Service charges on deposit accounts	$175,000	5,156
Trading account gains and fees	$0	178
Additional Noninterest Income	$875,000	2,419
Total noninterest expense	$1,984,000	6,244
Salaries and employee benefits	$1,025,000	6,373
Premises and equipment expense	$237,000	6,369
Additional noninterest expense	$722,000	5,656
Pre-tax net operating income	$934,000	4,872
Securities gains (losses)	$-4,000	7,335
Applicable income taxes	$0	6,070
Income before extraordinary items	$930,000	4,472
Extraordinary gains, net	$0	39
Net income	$930,000	4,474
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	3,798
Cash dividends	$265,000	4,583
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$934,000	4,457
2007-09-30 (YTD Data)		Rank
Total interest income	$2,454,000	6,694
Total interest expense	$1,080,000	6,539
Net interest income	$1,374,000	6,753
Provision for loan and lease losses	$0	6,528
Total noninterest income	$741,000	3,564
Gross Fiduciary activities income	$9,000	1,194
Service charges on deposit accounts	$124,000	5,280
Trading account gains and fees	$0	184
Additional Noninterest Income	$608,000	2,544
Total noninterest expense	$1,351,000	6,460
Salaries and employee benefits	$693,000	6,624
Premises and equipment expense	$179,000	6,349
Additional noninterest expense	$479,000	5,924
Pre-tax net operating income	$764,000	4,934
Securities gains (losses)	$-11,000	7,805
Applicable income taxes	$0	6,220
Income before extraordinary items	$753,000	4,477
Extraordinary gains, net	$0	33
Net income	$753,000	4,477
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$165,000	4,287
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$764,000	4,437
2007-06-30 (YTD Data)		Rank
Total interest income	$1,618,000	6,759
Total interest expense	$715,000	6,574
Net interest income	$903,000	6,824
Provision for loan and lease losses	$0	6,209
Total noninterest income	$403,000	4,023
Gross Fiduciary activities income	$6,000	1,205
Service charges on deposit accounts	$78,000	5,388
Trading account gains and fees	$0	168
Additional Noninterest Income	$319,000	2,922
Total noninterest expense	$840,000	6,693
Salaries and employee benefits	$447,000	6,748
Premises and equipment expense	$121,000	6,346
Additional noninterest expense	$272,000	6,377
Pre-tax net operating income	$466,000	5,185
Securities gains (losses)	$1,000	1,305
Applicable income taxes	$0	6,265
Income before extraordinary items	$467,000	4,712
Extraordinary gains, net	$0	29
Net income	$467,000	4,713
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,997
Cash dividends	$85,000	4,444
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$466,000	4,709
2007-03-31 (YTD Data)		Rank
Total interest income	$813,000	6,784
Total interest expense	$356,000	6,599
Net interest income	$457,000	6,812
Provision for loan and lease losses	$0	5,779
Total noninterest income	$200,000	4,014
Gross Fiduciary activities income	$3,000	1,184
Service charges on deposit accounts	$38,000	5,408
Trading account gains and fees	$0	195
Additional Noninterest Income	$159,000	2,907
Total noninterest expense	$440,000	6,606
Salaries and employee benefits	$233,000	6,704
Premises and equipment expense	$63,000	6,281
Additional noninterest expense	$144,000	6,237
Pre-tax net operating income	$217,000	5,342
Securities gains (losses)	$1,000	1,055
Applicable income taxes	$0	6,196
Income before extraordinary items	$218,000	4,869
Extraordinary gains, net	$0	22
Net income	$218,000	4,870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	3,299
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$217,000	4,851
2006-12-31 (YTD Data)		Rank
Total interest income	$2,954,000	6,811
Total interest expense	$1,213,000	6,569
Net interest income	$1,741,000	6,883
Provision for loan and lease losses	$125,000	4,315
Total noninterest income	$1,052,000	3,427
Gross Fiduciary activities income	$20,000	1,170
Service charges on deposit accounts	$203,000	4,955
Trading account gains and fees	$0	130
Additional Noninterest Income	$829,000	2,529
Total noninterest expense	$1,856,000	6,352
Salaries and employee benefits	$987,000	6,436
Premises and equipment expense	$249,000	6,226
Additional noninterest expense	$620,000	5,968
Pre-tax net operating income	$812,000	5,621
Securities gains (losses)	$-180,000	8,361
Applicable income taxes	$-207,000	8,459
Income before extraordinary items	$839,000	5,106
Extraordinary gains, net	$0	51
Net income	$839,000	5,110
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$133,000	2,753
Cash dividends	$490,000	3,767
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,019,000	4,661
2006-09-30 (YTD Data)		Rank
Total interest income	$2,162,000	6,906
Total interest expense	$870,000	6,625
Net interest income	$1,292,000	6,984
Provision for loan and lease losses	$50,000	5,035
Total noninterest income	$745,000	3,570
Gross Fiduciary activities income	$5,000	1,291
Service charges on deposit accounts	$156,000	4,955
Trading account gains and fees	$0	126
Additional Noninterest Income	$584,000	2,620
Total noninterest expense	$1,281,000	6,590
Salaries and employee benefits	$680,000	6,645
Premises and equipment expense	$182,000	6,322
Additional noninterest expense	$419,000	6,270
Pre-tax net operating income	$706,000	5,515
Securities gains (losses)	$-76,000	8,319
Applicable income taxes	$0	6,687
Income before extraordinary items	$630,000	5,242
Extraordinary gains, net	$0	45
Net income	$630,000	5,245
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,725
Cash dividends	$90,000	4,802
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$706,000	4,985
2006-06-30 (YTD Data)		Rank
Total interest income	$1,415,000	6,942
Total interest expense	$539,000	6,698
Net interest income	$876,000	6,982
Provision for loan and lease losses	$10,000	5,986
Total noninterest income	$445,000	3,796
Gross Fiduciary activities income	$4,000	1,273
Service charges on deposit accounts	$99,000	5,045
Trading account gains and fees	$0	126
Additional Noninterest Income	$342,000	2,787
Total noninterest expense	$799,000	6,775
Salaries and employee benefits	$437,000	6,759
Premises and equipment expense	$121,000	6,332
Additional noninterest expense	$241,000	6,656
Pre-tax net operating income	$512,000	5,353
Securities gains (losses)	$-44,000	8,336
Applicable income taxes	$0	6,706
Income before extraordinary items	$468,000	5,052
Extraordinary gains, net	$0	39
Net income	$468,000	5,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	3,712
Cash dividends	$85,000	4,502
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$512,000	4,815
2006-03-31 (YTD Data)		Rank
Total interest income	$694,000	6,970
Total interest expense	$250,000	6,780
Net interest income	$444,000	6,972
Provision for loan and lease losses	$0	6,013
Total noninterest income	$248,000	3,492
Gross Fiduciary activities income	$2,000	1,247
Service charges on deposit accounts	$46,000	5,116
Trading account gains and fees	$0	115
Additional Noninterest Income	$200,000	2,496
Total noninterest expense	$403,000	6,756
Salaries and employee benefits	$226,000	6,695
Premises and equipment expense	$63,000	6,234
Additional noninterest expense	$114,000	6,766
Pre-tax net operating income	$289,000	5,061
Securities gains (losses)	$-44,000	8,539
Applicable income taxes	$0	6,588
Income before extraordinary items	$245,000	4,897
Extraordinary gains, net	$0	21
Net income	$245,000	4,897
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	3,331
Cash dividends	$5,000	3,919
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$289,000	4,495
2005-12-31 (YTD Data)		Rank
Total interest income	$2,789,000	6,766
Total interest expense	$1,007,000	6,268
Net interest income	$1,782,000	6,917
Provision for loan and lease losses	$154,000	4,081
Total noninterest income	$844,000	3,932
Gross Fiduciary activities income	$14,000	1,245
Service charges on deposit accounts	$205,000	4,982
Trading account gains and fees	$0	138
Additional Noninterest Income	$625,000	2,982
Total noninterest expense	$1,785,000	6,420
Salaries and employee benefits	$925,000	6,563
Premises and equipment expense	$274,000	5,971
Additional noninterest expense	$586,000	6,131
Pre-tax net operating income	$687,000	6,187
Securities gains (losses)	$35,000	1,043
Applicable income taxes	$182,000	4,779
Income before extraordinary items	$540,000	6,210
Extraordinary gains, net	$0	46
Net income	$540,000	6,216
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,000	2,845
Cash dividends	$250,000	4,640
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$513,750	6,284
2005-09-30 (YTD Data)		Rank
Total interest income	$2,121,000	6,735
Total interest expense	$763,000	6,133
Net interest income	$1,358,000	6,918
Provision for loan and lease losses	$75,000	4,689
Total noninterest income	$639,000	3,928
Gross Fiduciary activities income	$5,000	1,304
Service charges on deposit accounts	$153,000	5,029
Trading account gains and fees	$0	126
Additional Noninterest Income	$481,000	2,962
Total noninterest expense	$1,253,000	6,622
Salaries and employee benefits	$626,000	6,810
Premises and equipment expense	$186,000	6,209
Additional noninterest expense	$441,000	6,084
Pre-tax net operating income	$669,000	5,743
Securities gains (losses)	$35,000	1,002
Applicable income taxes	$184,000	4,533
Income before extraordinary items	$520,000	5,806
Extraordinary gains, net	$0	35
Net income	$520,000	5,810
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$40,000	5,077
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$494,100	5,884
2005-06-30 (YTD Data)		Rank
Total interest income	$1,396,000	6,725
Total interest expense	$501,000	6,041
Net interest income	$895,000	6,951
Provision for loan and lease losses	$75,000	3,815
Total noninterest income	$382,000	4,162
Gross Fiduciary activities income	$4,000	1,282
Service charges on deposit accounts	$100,000	5,027
Trading account gains and fees	$0	116
Additional Noninterest Income	$278,000	3,206
Total noninterest expense	$790,000	6,760
Salaries and employee benefits	$405,000	6,883
Premises and equipment expense	$117,000	6,347
Additional noninterest expense	$268,000	6,328
Pre-tax net operating income	$412,000	5,904
Securities gains (losses)	$16,000	1,180
Applicable income taxes	$97,000	4,848
Income before extraordinary items	$331,000	5,911
Extraordinary gains, net	$0	30
Net income	$331,000	5,915
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,385
Cash dividends	$40,000	4,803
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$318,680	5,940
2005-03-31 (YTD Data)		Rank
Total interest income	$718,000	6,687
Total interest expense	$244,000	6,037
Net interest income	$474,000	6,841
Provision for loan and lease losses	$0	6,226
Total noninterest income	$142,000	4,842
Gross Fiduciary activities income	$2,000	1,263
Service charges on deposit accounts	$49,000	5,045
Trading account gains and fees	$0	115
Additional Noninterest Income	$91,000	3,935
Total noninterest expense	$342,000	7,155
Salaries and employee benefits	$160,000	7,505
Premises and equipment expense	$56,000	6,500
Additional noninterest expense	$126,000	6,535
Pre-tax net operating income	$274,000	5,228
Securities gains (losses)	$17,000	846
Applicable income taxes	$72,000	4,250
Income before extraordinary items	$219,000	5,184
Extraordinary gains, net	$0	24
Net income	$219,000	5,185
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,322
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$206,250	5,312
2004-12-31 (YTD Data)		Rank
Total interest income	$2,835,000	6,593
Total interest expense	$957,000	5,793
Net interest income	$1,878,000	6,792
Provision for loan and lease losses	$26,000	6,546
Total noninterest income	$669,000	4,524
Gross Fiduciary activities income	$15,000	1,252
Service charges on deposit accounts	$209,000	5,129
Trading account gains and fees	$0	138
Additional Noninterest Income	$445,000	3,525
Total noninterest expense	$1,619,000	6,676
Salaries and employee benefits	$883,000	6,669
Premises and equipment expense	$229,000	6,415
Additional noninterest expense	$507,000	6,492
Pre-tax net operating income	$902,000	5,486
Securities gains (losses)	$15,000	2,589
Applicable income taxes	$215,000	4,663
Income before extraordinary items	$702,000	5,579
Extraordinary gains, net	$0	34
Net income	$702,000	5,579
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,855
Cash dividends	$240,000	4,658
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$690,450	5,562
2004-09-30 (YTD Data)		Rank
Total interest income	$2,108,000	6,614
Total interest expense	$708,000	5,789
Net interest income	$1,400,000	6,824
Provision for loan and lease losses	$10,000	6,700
Total noninterest income	$470,000	4,705
Gross Fiduciary activities income	$5,000	1,342
Service charges on deposit accounts	$161,000	5,115
Trading account gains and fees	$0	134
Additional Noninterest Income	$304,000	3,703
Total noninterest expense	$1,128,000	6,849
Salaries and employee benefits	$588,000	6,954
Premises and equipment expense	$181,000	6,265
Additional noninterest expense	$359,000	6,640
Pre-tax net operating income	$732,000	5,407
Securities gains (losses)	$0	3,710
Applicable income taxes	$194,000	4,482
Income before extraordinary items	$538,000	5,633
Extraordinary gains, net	$0	26
Net income	$538,000	5,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,805
Cash dividends	$40,000	5,070
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$538,000	5,566
2004-06-30 (YTD Data)		Rank
Total interest income	$1,405,000	6,655
Total interest expense	$470,000	5,829
Net interest income	$935,000	6,845
Provision for loan and lease losses	$5,000	6,663
Total noninterest income	$320,000	4,656
Gross Fiduciary activities income	$4,000	1,319
Service charges on deposit accounts	$108,000	5,108
Trading account gains and fees	$0	130
Additional Noninterest Income	$208,000	3,654
Total noninterest expense	$759,000	6,865
Salaries and employee benefits	$405,000	6,910
Premises and equipment expense	$123,000	6,248
Additional noninterest expense	$231,000	6,774
Pre-tax net operating income	$491,000	5,354
Securities gains (losses)	$0	3,413
Applicable income taxes	$130,000	4,484
Income before extraordinary items	$361,000	5,591
Extraordinary gains, net	$0	21
Net income	$361,000	5,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	8,060
Cash dividends	$40,000	4,770
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$361,000	5,506
2004-03-31 (YTD Data)		Rank
Total interest income	$713,000	6,656
Total interest expense	$238,000	5,835
Net interest income	$475,000	6,833
Provision for loan and lease losses	$0	6,501
Total noninterest income	$151,000	4,759
Gross Fiduciary activities income	$2,000	1,290
Service charges on deposit accounts	$53,000	5,065
Trading account gains and fees	$0	121
Additional Noninterest Income	$96,000	3,801
Total noninterest expense	$364,000	7,018
Salaries and employee benefits	$191,000	7,108
Premises and equipment expense	$55,000	6,556
Additional noninterest expense	$118,000	6,717
Pre-tax net operating income	$262,000	5,152
Securities gains (losses)	$0	2,934
Applicable income taxes	$65,000	4,461
Income before extraordinary items	$197,000	5,387
Extraordinary gains, net	$0	16
Net income	$197,000	5,386
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	8,046
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$197,000	5,256
2003-12-31 (YTD Data)		Rank
Total interest income	$2,962,000	6,562
Total interest expense	$1,039,000	6,006
Net interest income	$1,923,000	6,697
Provision for loan and lease losses	$0	7,651
Total noninterest income	$648,000	4,756
Gross Fiduciary activities income	$16,000	1,284
Service charges on deposit accounts	$186,000	5,426
Trading account gains and fees	$0	160
Additional Noninterest Income	$446,000	3,773
Total noninterest expense	$1,653,000	6,605
Salaries and employee benefits	$875,000	6,677
Premises and equipment expense	$203,000	6,739
Additional noninterest expense	$575,000	6,127
Pre-tax net operating income	$918,000	5,380
Securities gains (losses)	$0	4,500
Applicable income taxes	$227,000	4,728
Income before extraordinary items	$691,000	5,619
Extraordinary gains, net	$0	54
Net income	$691,000	5,621
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,174
Cash dividends	$250,000	4,628
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$691,000	5,451
2003-09-30 (YTD Data)		Rank
Total interest income	$2,228,000	6,625
Total interest expense	$791,000	6,105
Net interest income	$1,437,000	6,755
Provision for loan and lease losses	$0	7,481
Total noninterest income	$445,000	5,044
Gross Fiduciary activities income	$6,000	1,365
Service charges on deposit accounts	$131,000	5,584
Trading account gains and fees	$0	153
Additional Noninterest Income	$308,000	3,995
Total noninterest expense	$1,094,000	6,963
Salaries and employee benefits	$577,000	7,015
Premises and equipment expense	$151,000	6,773
Additional noninterest expense	$366,000	6,603
Pre-tax net operating income	$788,000	5,178
Securities gains (losses)	$0	4,204
Applicable income taxes	$195,000	4,685
Income before extraordinary items	$593,000	5,431
Extraordinary gains, net	$0	40
Net income	$593,000	5,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-38,000	8,881
Cash dividends	$50,000	5,093
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$593,000	5,246
2003-06-30 (YTD Data)		Rank
Total interest income	$1,486,000	6,690
Total interest expense	$538,000	6,171
Net interest income	$948,000	6,801
Provision for loan and lease losses	$0	7,324
Total noninterest income	$300,000	4,985
Gross Fiduciary activities income	$4,000	1,366
Service charges on deposit accounts	$84,000	5,654
Trading account gains and fees	$0	150
Additional Noninterest Income	$212,000	3,938
Total noninterest expense	$721,000	7,016
Salaries and employee benefits	$389,000	7,015
Premises and equipment expense	$101,000	6,739
Additional noninterest expense	$231,000	6,761
Pre-tax net operating income	$527,000	5,184
Securities gains (losses)	$0	3,782
Applicable income taxes	$123,000	4,828
Income before extraordinary items	$404,000	5,373
Extraordinary gains, net	$0	30
Net income	$404,000	5,373
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-39,000	8,940
Cash dividends	$50,000	4,732
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$404,000	5,178
2003-03-31 (YTD Data)		Rank
Total interest income	$750,000	6,697
Total interest expense	$272,000	6,237
Net interest income	$478,000	6,773
Provision for loan and lease losses	$10,000	6,044
Total noninterest income	$159,000	4,741
Gross Fiduciary activities income	$3,000	1,293
Service charges on deposit accounts	$43,000	5,528
Trading account gains and fees	$0	134
Additional Noninterest Income	$113,000	3,713
Total noninterest expense	$334,000	7,247
Salaries and employee benefits	$184,000	7,172
Premises and equipment expense	$48,000	6,893
Additional noninterest expense	$102,000	7,099
Pre-tax net operating income	$293,000	4,845
Securities gains (losses)	$0	2,891
Applicable income taxes	$52,000	5,042
Income before extraordinary items	$241,000	4,806
Extraordinary gains, net	$0	21
Net income	$241,000	4,806
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-55,000	9,120
Cash dividends	$10,000	3,831
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$241,000	4,618
2002-12-31 (YTD Data)		Rank
Total interest income	$3,024,000	6,837
Total interest expense	$1,200,000	6,421
Net interest income	$1,824,000	6,911
Provision for loan and lease losses	$56,000	6,595
Total noninterest income	$610,000	4,680
Gross Fiduciary activities income	$21,000	1,274
Service charges on deposit accounts	$181,000	5,450
Trading account gains and fees	$0	153
Additional Noninterest Income	$408,000	3,663
Total noninterest expense	$1,548,000	6,750
Salaries and employee benefits	$827,000	6,788
Premises and equipment expense	$205,000	6,726
Additional noninterest expense	$516,000	6,410
Pre-tax net operating income	$830,000	5,672
Securities gains (losses)	$17,000	3,266
Applicable income taxes	$227,000	4,927
Income before extraordinary items	$620,000	5,883
Extraordinary gains, net	$0	70
Net income	$620,000	5,879
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	5,609
Cash dividends	$238,000	4,700
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$607,590	5,795
2001-12-31 (YTD Data)		Rank
Total interest income	$3,168,000	7,072
Total interest expense	$1,512,000	6,954
Net interest income	$1,656,000	7,053
Provision for loan and lease losses	$35,000	7,117
Total noninterest income	$563,000	4,749
Gross Fiduciary activities income	$26,000	1,257
Service charges on deposit accounts	$168,000	5,540
Trading account gains and fees	$0	177
Additional Noninterest Income	$369,000	3,715
Total noninterest expense	$1,400,000	7,012
Salaries and employee benefits	$764,000	6,932
Premises and equipment expense	$191,000	6,909
Additional noninterest expense	$445,000	6,823
Pre-tax net operating income	$784,000	5,540
Securities gains (losses)	$0	4,612
Applicable income taxes	$213,000	4,917
Income before extraordinary items	$571,000	5,748
Extraordinary gains, net	$0	105
Net income	$571,000	5,751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,796
Cash dividends	$326,000	4,248
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$571,000	5,626
2000-12-31 (YTD Data)		Rank
Total interest income	$3,202,000	7,210
Total interest expense	$1,582,000	7,002
Net interest income	$1,620,000	7,266
Provision for loan and lease losses	$244,000	3,295
Total noninterest income	$515,000	4,842
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$168,000	5,511
Trading account gains and fees	NA	NA
Additional Noninterest Income	$347,000	3,635
Total noninterest expense	$1,266,000	7,335
Salaries and employee benefits	$721,000	7,097
Premises and equipment expense	$181,000	7,070
Additional noninterest expense	$364,000	7,444
Pre-tax net operating income	$625,000	6,488
Securities gains (losses)	$-4,000	7,844
Applicable income taxes	$138,000	6,063
Income before extraordinary items	$483,000	6,411
Extraordinary gains, net	$0	38
Net income	$483,000	6,409
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$191,000	2,456
Cash dividends	$329,000	4,313
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$486,120	6,408
1999-12-31 (YTD Data)		Rank
Total interest income	$3,117,000	7,235
Total interest expense	$1,492,000	7,000
Net interest income	$1,625,000	7,343
Provision for loan and lease losses	$36,000	6,998
Total noninterest income	$397,000	5,643
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$127,000	6,222
Trading account gains and fees	NA	NA
Additional Noninterest Income	$270,000	4,263
Total noninterest expense	$1,215,000	7,529
Salaries and employee benefits	$706,000	7,205
Premises and equipment expense	$163,000	7,432
Additional noninterest expense	$346,000	7,734
Pre-tax net operating income	$771,000	6,041
Securities gains (losses)	$0	3,155
Applicable income taxes	$205,000	5,648
Income before extraordinary items	$566,000	6,067
Extraordinary gains, net	$0	35
Net income	$566,000	6,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	9,087
Cash dividends	$233,000	4,990
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$566,000	6,041
1998-12-31 (YTD Data)		Rank
Total interest income	$2,880,000	7,666
Total interest expense	$1,370,000	7,496
Net interest income	$1,510,000	7,668
Provision for loan and lease losses	$36,000	7,078
Total noninterest income	$339,000	6,113
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$102,000	6,826
Trading account gains and fees	NA	NA
Additional Noninterest Income	$237,000	4,530
Total noninterest expense	$1,136,000	7,720
Salaries and employee benefits	$654,000	7,455
Premises and equipment expense	$154,000	7,558
Additional noninterest expense	$328,000	7,862
Pre-tax net operating income	$677,000	6,572
Securities gains (losses)	$0	4,449
Applicable income taxes	$183,000	6,381
Income before extraordinary items	$494,000	6,648
Extraordinary gains, net	$0	32
Net income	$494,000	6,647
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,250
Cash dividends	$343,000	4,304
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$494,000	6,528
1997-12-31 (YTD Data)		Rank
Total interest income	$2,728,000	8,093
Total interest expense	$1,248,000	7,987
Net interest income	$1,480,000	8,029
Provision for loan and lease losses	$26,000	7,586
Total noninterest income	$146,000	8,659
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$105,000	7,090
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	8,825
Total noninterest expense	$928,000	8,586
Salaries and employee benefits	$495,000	8,637
Premises and equipment expense	$128,000	8,292
Additional noninterest expense	$305,000	8,266
Pre-tax net operating income	$672,000	7,100
Securities gains (losses)	$-9,000	9,978
Applicable income taxes	$183,000	7,132
Income before extraordinary items	$480,000	7,099
Extraordinary gains, net	$0	44
Net income	$480,000	7,101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,353
Cash dividends	$322,000	4,402
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$486,480	7,010
1996-12-31 (YTD Data)		Rank
Total interest income	$2,537,000	8,651
Total interest expense	$1,144,000	8,544
Net interest income	$1,393,000	8,534
Provision for loan and lease losses	$15,000	8,204
Total noninterest income	$149,000	9,021
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	7,247
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	9,496
Total noninterest expense	$941,000	8,914
Salaries and employee benefits	$478,000	9,040
Premises and equipment expense	$131,000	8,508
Additional noninterest expense	$332,000	8,551
Pre-tax net operating income	$586,000	7,496
Securities gains (losses)	$0	4,148
Applicable income taxes	$164,000	7,668
Income before extraordinary items	$422,000	7,437
Extraordinary gains, net	$0	53
Net income	$422,000	7,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	7,102
Cash dividends	$210,000	5,303
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$422,000	7,378
1995-12-31 (YTD Data)		Rank
Total interest income	$2,267,000	9,304
Total interest expense	$1,022,000	9,178
Net interest income	$1,245,000	9,211
Provision for loan and lease losses	$47,000	6,364
Total noninterest income	$204,000	8,359
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$118,000	7,356
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	7,713
Total noninterest expense	$971,000	9,075
Salaries and employee benefits	$493,000	9,172
Premises and equipment expense	$161,000	8,015
Additional noninterest expense	$317,000	9,073
Pre-tax net operating income	$431,000	8,863
Securities gains (losses)	$0	3,831
Applicable income taxes	$100,000	9,180
Income before extraordinary items	$331,000	8,656
Extraordinary gains, net	$0	65
Net income	$331,000	8,660
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	5,247
Cash dividends	$203,000	5,421
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$331,000	8,623
1994-12-31 (YTD Data)		Rank
Total interest income	$2,128,000	9,564
Total interest expense	$858,000	9,314
Net interest income	$1,270,000	9,553
Provision for loan and lease losses	$9,000	8,587
Total noninterest income	$152,000	9,667
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$109,000	7,867
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	9,980
Total noninterest expense	$927,000	9,649
Salaries and employee benefits	$452,000	9,814
Premises and equipment expense	$170,000	8,080
Additional noninterest expense	$305,000	9,905
Pre-tax net operating income	$486,000	8,754
Securities gains (losses)	$-7,000	9,611
Applicable income taxes	$133,000	8,646
Income before extraordinary items	$346,000	8,664
Extraordinary gains, net	$0	249
Net income	$346,000	8,668
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,569
Cash dividends	$191,000	5,620
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$351,040	8,683
1993-12-31 (YTD Data)		Rank
Total interest income	$2,155,000	9,877
Total interest expense	$944,000	9,359
Net interest income	$1,211,000	10,037
Provision for loan and lease losses	$10,000	9,731
Total noninterest income	$160,000	10,014
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$107,000	8,183
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	9,919
Total noninterest expense	$948,000	9,984
Salaries and employee benefits	$478,000	9,880
Premises and equipment expense	$173,000	8,305
Additional noninterest expense	$297,000	10,494
Pre-tax net operating income	$413,000	9,309
Securities gains (losses)	$0	7,477
Applicable income taxes	$107,000	9,575
Income before extraordinary items	$306,000	9,407
Extraordinary gains, net	$-5,000	12,234
Net income	$301,000	9,630
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	8,555
Cash dividends	$176,000	5,750
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$306,000	9,152
1992-12-31 (YTD Data)		Rank
Total interest income	$2,343,000	10,205
Total interest expense	$1,145,000	9,809
Net interest income	$1,198,000	10,329
Provision for loan and lease losses	$8,000	11,328
Total noninterest income	$159,000	10,308
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$102,000	8,464
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	9,979
Total noninterest expense	$892,000	10,533
Salaries and employee benefits	$421,000	10,622
Premises and equipment expense	$171,000	8,542
Additional noninterest expense	$300,000	10,820
Pre-tax net operating income	$457,000	8,734
Securities gains (losses)	$0	8,369
Applicable income taxes	$128,000	9,159
Income before extraordinary items	$329,000	8,940
Extraordinary gains, net	$0	1,422
Net income	$329,000	9,085
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	10,157
Cash dividends	$176,000	5,397
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$329,000	8,583

* 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.