Home > West End Bank, S.B. > Income and Expense

West End Bank, S.B., Income and Expense

2020-03-31 (YTD Data)		Rank
Total interest income	$3,632,000	1,961
Total interest expense	$870,000	1,588
Net interest income	$2,762,000	2,055
Provision for loan and lease losses	$1,122,000	567
Total noninterest income	$359,000	2,305
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$127,000	1,845
Trading account gains and fees	NA	NA
Additional Noninterest Income	$232,000	2,276
Total noninterest expense	$2,715,000	1,833
Salaries and employee benefits	$1,444,000	1,941
Premises and equipment expense	$183,000	2,471
Additional noninterest expense	$1,088,000	1,413
Pre-tax net operating income	$-716,000	5,006
Securities gains (losses)	$0	1,705
Applicable income taxes	$-186,000	4,983
Income before extraordinary items	$-530,000	4,959
Extraordinary gains, net	$0	4
Net income	$-530,000	4,959
Minority interest net income	$0	56
Net income of bank and minority interests.	$-530,000	4,959
Net charge-offs	$500,000	372
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$2,000	469
Net operating income	$-530,000	4,985
2019-12-31 (YTD Data)		Rank
Total interest income	$15,112,000	1,904
Total interest expense	$3,573,000	1,612
Net interest income	$11,539,000	1,987
Provision for loan and lease losses	$1,295,000	745
Total noninterest income	$1,527,000	2,269
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$585,000	1,704
Trading account gains and fees	NA	NA
Additional Noninterest Income	$942,000	2,326
Total noninterest expense	$10,466,000	1,853
Salaries and employee benefits	$5,675,000	1,927
Premises and equipment expense	$827,000	2,299
Additional noninterest expense	$3,964,000	1,519
Pre-tax net operating income	$1,305,000	3,565
Securities gains (losses)	$9,000	1,922
Applicable income taxes	$283,000	2,410
Income before extraordinary items	$1,031,000	3,731
Extraordinary gains, net	$0	11
Net income	$1,031,000	3,731
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,031,000	3,732
Net charge-offs	$1,734,000	461
Cash dividends	$750,000	2,629
Sale, conversion, retirement of capital stock, net	$29,000	562
Net operating income	$1,023,890	3,720
2019-09-30 (YTD Data)		Rank
Total interest income	$11,319,000	1,921
Total interest expense	$2,665,000	1,625
Net interest income	$8,654,000	2,012
Provision for loan and lease losses	$978,000	694
Total noninterest income	$1,134,000	2,279
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$406,000	1,814
Trading account gains and fees	NA	NA
Additional Noninterest Income	$728,000	2,280
Total noninterest expense	$7,268,000	1,974
Salaries and employee benefits	$4,221,000	1,945
Premises and equipment expense	$622,000	2,309
Additional noninterest expense	$2,425,000	1,796
Pre-tax net operating income	$1,542,000	3,066
Securities gains (losses)	$9,000	1,686
Applicable income taxes	$345,000	2,115
Income before extraordinary items	$1,206,000	3,227
Extraordinary gains, net	$0	11
Net income	$1,206,000	3,226
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,206,000	3,227
Net charge-offs	$1,210,000	440
Cash dividends	$750,000	2,104
Sale, conversion, retirement of capital stock, net	$6,000	567
Net operating income	$1,198,890	3,218
2019-06-30 (YTD Data)		Rank
Total interest income	$7,516,000	1,929
Total interest expense	$1,734,000	1,624
Net interest income	$5,782,000	2,013
Provision for loan and lease losses	$666,000	668
Total noninterest income	$805,000	2,194
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$267,000	1,821
Trading account gains and fees	NA	NA
Additional Noninterest Income	$538,000	2,123
Total noninterest expense	$4,869,000	1,972
Salaries and employee benefits	$2,823,000	1,938
Premises and equipment expense	$418,000	2,305
Additional noninterest expense	$1,628,000	1,802
Pre-tax net operating income	$1,052,000	3,031
Securities gains (losses)	$9,000	1,239
Applicable income taxes	$224,000	2,114
Income before extraordinary items	$837,000	3,185
Extraordinary gains, net	$0	11
Net income	$837,000	3,183
Minority interest net income	$0	69
Net income of bank and minority interests.	$837,000	3,183
Net charge-offs	$802,000	411
Cash dividends	$750,000	1,703
Sale, conversion, retirement of capital stock, net	$4,000	558
Net operating income	$829,890	3,170
2019-03-31 (YTD Data)		Rank
Total interest income	$3,706,000	1,957
Total interest expense	$863,000	1,597
Net interest income	$2,843,000	2,042
Provision for loan and lease losses	$333,000	631
Total noninterest income	$466,000	1,991
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$128,000	1,868
Trading account gains and fees	NA	NA
Additional Noninterest Income	$338,000	1,843
Total noninterest expense	$2,478,000	1,955
Salaries and employee benefits	$1,449,000	1,915
Premises and equipment expense	$205,000	2,360
Additional noninterest expense	$824,000	1,777
Pre-tax net operating income	$498,000	3,074
Securities gains (losses)	$0	1,087
Applicable income taxes	$107,000	2,098
Income before extraordinary items	$391,000	3,255
Extraordinary gains, net	$0	5
Net income	$391,000	3,253
Minority interest net income	$0	52
Net income of bank and minority interests.	$391,000	3,254
Net charge-offs	$433,000	369
Cash dividends	$750,000	1,015
Sale, conversion, retirement of capital stock, net	$1,000	520
Net operating income	$391,000	3,247
2018-12-31 (YTD Data)		Rank
Total interest income	$15,058,000	1,853
Total interest expense	$3,138,000	1,381
Net interest income	$11,920,000	1,967
Provision for loan and lease losses	$1,948,000	520
Total noninterest income	$1,899,000	2,047
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$579,000	1,779
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,320,000	1,930
Total noninterest expense	$9,720,000	1,943
Salaries and employee benefits	$5,531,000	1,940
Premises and equipment expense	$887,000	2,219
Additional noninterest expense	$3,302,000	1,761
Pre-tax net operating income	$2,151,000	3,018
Securities gains (losses)	$0	1,125
Applicable income taxes	$468,000	2,042
Income before extraordinary items	$1,683,000	3,193
Extraordinary gains, net	$0	6
Net income	$1,683,000	3,192
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,683,000	3,192
Net charge-offs	$1,653,000	409
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$158,000	433
Net operating income	$1,683,000	3,194
2018-09-30 (YTD Data)		Rank
Total interest income	$11,190,000	1,857
Total interest expense	$2,287,000	1,335
Net interest income	$8,903,000	1,966
Provision for loan and lease losses	$1,550,000	465
Total noninterest income	$1,552,000	1,965
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$432,000	1,809
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,120,000	1,813
Total noninterest expense	$7,254,000	1,956
Salaries and employee benefits	$4,095,000	1,954
Premises and equipment expense	$668,000	2,220
Additional noninterest expense	$2,491,000	1,759
Pre-tax net operating income	$1,651,000	3,038
Securities gains (losses)	$0	1,118
Applicable income taxes	$341,000	2,116
Income before extraordinary items	$1,310,000	3,205
Extraordinary gains, net	$0	5
Net income	$1,310,000	3,204
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,310,000	3,204
Net charge-offs	$1,216,000	385
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$135,000	384
Net operating income	$1,310,000	3,199
2018-06-30 (YTD Data)		Rank
Total interest income	$7,382,000	1,860
Total interest expense	$1,468,000	1,312
Net interest income	$5,914,000	1,984
Provision for loan and lease losses	$1,034,000	459
Total noninterest income	$1,016,000	2,001
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$284,000	1,825
Trading account gains and fees	NA	NA
Additional Noninterest Income	$732,000	1,830
Total noninterest expense	$4,837,000	1,967
Salaries and employee benefits	$2,722,000	1,967
Premises and equipment expense	$443,000	2,255
Additional noninterest expense	$1,672,000	1,753
Pre-tax net operating income	$1,059,000	3,077
Securities gains (losses)	$0	961
Applicable income taxes	$270,000	1,954
Income before extraordinary items	$789,000	3,319
Extraordinary gains, net	$0	6
Net income	$789,000	3,318
Minority interest net income	$0	65
Net income of bank and minority interests.	$789,000	3,318
Net charge-offs	$704,000	408
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$133,000	328
Net operating income	$789,000	3,316
2018-03-31 (YTD Data)		Rank
Total interest income	$3,627,000	1,871
Total interest expense	$701,000	1,306
Net interest income	$2,926,000	1,991
Provision for loan and lease losses	$555,000	424
Total noninterest income	$538,000	1,893
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$140,000	1,842
Trading account gains and fees	NA	NA
Additional Noninterest Income	$398,000	1,717
Total noninterest expense	$2,386,000	2,000
Salaries and employee benefits	$1,354,000	1,999
Premises and equipment expense	$221,000	2,294
Additional noninterest expense	$811,000	1,798
Pre-tax net operating income	$523,000	3,037
Securities gains (losses)	$0	735
Applicable income taxes	$134,000	1,916
Income before extraordinary items	$389,000	3,293
Extraordinary gains, net	$0	7
Net income	$389,000	3,293
Minority interest net income	$0	52
Net income of bank and minority interests.	$389,000	3,293
Net charge-offs	$328,000	399
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$71,000	291
Net operating income	$389,000	3,290
2017-12-31 (YTD Data)		Rank
Total interest income	$14,087,000	1,872
Total interest expense	$2,178,000	1,430
Net interest income	$11,909,000	1,923
Provision for loan and lease losses	$2,021,000	508
Total noninterest income	$1,132,000	2,768
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$573,000	1,845
Trading account gains and fees	NA	NA
Additional Noninterest Income	$559,000	3,024
Total noninterest expense	$9,737,000	1,951
Salaries and employee benefits	$5,073,000	2,065
Premises and equipment expense	$627,000	2,848
Additional noninterest expense	$4,037,000	1,513
Pre-tax net operating income	$1,283,000	3,751
Securities gains (losses)	$0	2,243
Applicable income taxes	$503,000	2,414
Income before extraordinary items	$780,000	4,034
Extraordinary gains, net	$0	9
Net income	$780,000	4,034
Minority interest net income	$0	76
Net income of bank and minority interests.	$780,000	4,034
Net charge-offs	$1,553,000	497
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$309,000	348
Net operating income	$780,000	4,021
2017-09-30 (YTD Data)		Rank
Total interest income	$10,470,000	1,886
Total interest expense	$1,556,000	1,468
Net interest income	$8,914,000	1,932
Provision for loan and lease losses	$1,146,000	621
Total noninterest income	$832,000	2,818
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$427,000	1,862
Trading account gains and fees	NA	NA
Additional Noninterest Income	$405,000	3,079
Total noninterest expense	$7,493,000	1,916
Salaries and employee benefits	$3,905,000	2,044
Premises and equipment expense	$456,000	2,924
Additional noninterest expense	$3,132,000	1,455
Pre-tax net operating income	$1,107,000	3,603
Securities gains (losses)	$0	2,274
Applicable income taxes	$379,000	2,296
Income before extraordinary items	$728,000	3,969
Extraordinary gains, net	$0	9
Net income	$728,000	3,968
Minority interest net income	$0	71
Net income of bank and minority interests.	$728,000	3,969
Net charge-offs	$985,000	502
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$216,000	334
Net operating income	$728,000	3,956
2017-06-30 (YTD Data)		Rank
Total interest income	$6,908,000	1,889
Total interest expense	$1,005,000	1,471
Net interest income	$5,903,000	1,938
Provision for loan and lease losses	$764,000	605
Total noninterest income	$490,000	2,995
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$276,000	1,886
Trading account gains and fees	NA	NA
Additional Noninterest Income	$214,000	3,385
Total noninterest expense	$5,007,000	1,905
Salaries and employee benefits	$2,556,000	2,070
Premises and equipment expense	$305,000	2,927
Additional noninterest expense	$2,146,000	1,416
Pre-tax net operating income	$622,000	3,848
Securities gains (losses)	$0	1,906
Applicable income taxes	$202,000	2,464
Income before extraordinary items	$420,000	4,097
Extraordinary gains, net	$0	11
Net income	$420,000	4,096
Minority interest net income	$0	71
Net income of bank and minority interests.	$420,000	4,097
Net charge-offs	$671,000	454
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$143,000	311
Net operating income	$420,000	4,081
2017-03-31 (YTD Data)		Rank
Total interest income	$3,380,000	1,914
Total interest expense	$489,000	1,487
Net interest income	$2,891,000	1,961
Provision for loan and lease losses	$358,000	586
Total noninterest income	$467,000	2,135
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$126,000	2,021
Trading account gains and fees	NA	NA
Additional Noninterest Income	$341,000	1,930
Total noninterest expense	$2,282,000	2,088
Salaries and employee benefits	$1,281,000	2,090
Premises and equipment expense	$146,000	3,041
Additional noninterest expense	$855,000	1,735
Pre-tax net operating income	$718,000	2,489
Securities gains (losses)	$0	1,153
Applicable income taxes	$249,000	1,668
Income before extraordinary items	$469,000	2,864
Extraordinary gains, net	$0	8
Net income	$469,000	2,864
Minority interest net income	$0	55
Net income of bank and minority interests.	$469,000	2,864
Net charge-offs	$313,000	449
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$71,000	285
Net operating income	$469,000	2,845
2016-12-31 (YTD Data)		Rank
Total interest income	$13,634,000	1,862
Total interest expense	$1,915,000	1,471
Net interest income	$11,719,000	1,898
Provision for loan and lease losses	$1,862,000	551
Total noninterest income	$1,922,000	2,170
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$543,000	1,947
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,379,000	1,992
Total noninterest expense	$8,811,000	2,125
Salaries and employee benefits	$4,876,000	2,130
Premises and equipment expense	$611,000	2,974
Additional noninterest expense	$3,324,000	1,804
Pre-tax net operating income	$2,968,000	2,411
Securities gains (losses)	$135,000	1,123
Applicable income taxes	$1,062,000	1,578
Income before extraordinary items	$2,041,000	2,749
Extraordinary gains, net	$0	5
Net income	$2,041,000	2,747
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,041,000	2,748
Net charge-offs	$1,778,000	420
Cash dividends	$1,900,000	1,486
Sale, conversion, retirement of capital stock, net	$311,000	338
Net operating income	$1,951,900	2,788
2016-09-30 (YTD Data)		Rank
Total interest income	$10,131,000	1,878
Total interest expense	$1,433,000	1,475
Net interest income	$8,698,000	1,923
Provision for loan and lease losses	$1,301,000	570
Total noninterest income	$1,447,000	2,168
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$400,000	1,978
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,047,000	1,983
Total noninterest expense	$6,513,000	2,146
Salaries and employee benefits	$3,535,000	2,184
Premises and equipment expense	$457,000	3,004
Additional noninterest expense	$2,521,000	1,786
Pre-tax net operating income	$2,331,000	2,368
Securities gains (losses)	$131,000	1,076
Applicable income taxes	$864,000	1,559
Income before extraordinary items	$1,598,000	2,714
Extraordinary gains, net	$0	5
Net income	$1,598,000	2,714
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,598,000	2,714
Net charge-offs	$1,094,000	449
Cash dividends	$1,150,000	1,522
Sale, conversion, retirement of capital stock, net	$216,000	322
Net operating income	$1,512,850	2,753
2016-06-30 (YTD Data)		Rank
Total interest income	$6,659,000	1,895
Total interest expense	$959,000	1,467
Net interest income	$5,700,000	1,963
Provision for loan and lease losses	$767,000	616
Total noninterest income	$1,106,000	1,976
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$256,000	2,032
Trading account gains and fees	$0	157
Additional Noninterest Income	$850,000	1,731
Total noninterest expense	$4,418,000	2,118
Salaries and employee benefits	$2,448,000	2,124
Premises and equipment expense	$299,000	3,049
Additional noninterest expense	$1,671,000	1,804
Pre-tax net operating income	$1,621,000	2,269
Securities gains (losses)	$24,000	1,854
Applicable income taxes	$579,000	1,525
Income before extraordinary items	$1,066,000	2,695
Extraordinary gains, net	$0	16
Net income	$1,066,000	2,694
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,066,000	2,694
Net charge-offs	$655,000	478
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$143,000	321
Net operating income	$1,050,400	2,641
2016-03-31 (YTD Data)		Rank
Total interest income	$3,276,000	1,929
Total interest expense	$481,000	1,464
Net interest income	$2,795,000	1,996
Provision for loan and lease losses	$270,000	751
Total noninterest income	$361,000	2,478
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$122,000	2,088
Trading account gains and fees	$0	142
Additional Noninterest Income	$239,000	2,396
Total noninterest expense	$2,144,000	2,196
Salaries and employee benefits	$1,212,000	2,154
Premises and equipment expense	$141,000	3,202
Additional noninterest expense	$791,000	1,876
Pre-tax net operating income	$742,000	2,385
Securities gains (losses)	$14,000	1,386
Applicable income taxes	$268,000	1,583
Income before extraordinary items	$488,000	2,790
Extraordinary gains, net	$0	12
Net income	$488,000	2,789
Minority interest net income	$0	62
Net income of bank and minority interests.	$488,000	2,790
Net charge-offs	$222,000	613
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$71,000	294
Net operating income	$478,900	2,776
2015-12-31 (YTD Data)		Rank
Total interest income	$12,959,000	1,893
Total interest expense	$1,744,000	1,566
Net interest income	$11,215,000	1,932
Provision for loan and lease losses	$1,507,000	567
Total noninterest income	$1,592,000	2,413
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$493,000	2,160
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,099,000	2,254
Total noninterest expense	$8,202,000	2,245
Salaries and employee benefits	$4,637,000	2,188
Premises and equipment expense	$549,000	3,293
Additional noninterest expense	$3,016,000	1,998
Pre-tax net operating income	$3,098,000	2,271
Securities gains (losses)	$38,000	1,841
Applicable income taxes	$1,107,000	1,507
Income before extraordinary items	$2,029,000	2,711
Extraordinary gains, net	$0	23
Net income	$2,029,000	2,712
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,029,000	2,713
Net charge-offs	$1,258,000	570
Cash dividends	$2,156,000	1,276
Sale, conversion, retirement of capital stock, net	$306,000	373
Net operating income	$2,004,300	2,688
2015-09-30 (YTD Data)		Rank
Total interest income	$9,612,000	1,932
Total interest expense	$1,279,000	1,611
Net interest income	$8,333,000	1,965
Provision for loan and lease losses	$992,000	600
Total noninterest income	$1,105,000	2,528
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$355,000	2,238
Trading account gains and fees	$0	153
Additional Noninterest Income	$750,000	2,396
Total noninterest expense	$6,233,000	2,220
Salaries and employee benefits	$3,499,000	2,182
Premises and equipment expense	$416,000	3,312
Additional noninterest expense	$2,318,000	1,933
Pre-tax net operating income	$2,213,000	2,392
Securities gains (losses)	$30,000	1,795
Applicable income taxes	$803,000	1,578
Income before extraordinary items	$1,440,000	2,843
Extraordinary gains, net	$0	21
Net income	$1,440,000	2,842
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,440,000	2,844
Net charge-offs	$809,000	595
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$211,000	351
Net operating income	$1,420,800	2,816
2015-06-30 (YTD Data)		Rank
Total interest income	$6,326,000	1,946
Total interest expense	$817,000	1,688
Net interest income	$5,509,000	1,969
Provision for loan and lease losses	$630,000	624
Total noninterest income	$696,000	2,626
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$219,000	2,351
Trading account gains and fees	$0	157
Additional Noninterest Income	$477,000	2,460
Total noninterest expense	$4,182,000	2,222
Salaries and employee benefits	$2,356,000	2,182
Premises and equipment expense	$276,000	3,331
Additional noninterest expense	$1,550,000	1,945
Pre-tax net operating income	$1,393,000	2,475
Securities gains (losses)	$25,000	1,600
Applicable income taxes	$508,000	1,610
Income before extraordinary items	$910,000	2,916
Extraordinary gains, net	$0	22
Net income	$910,000	2,916
Minority interest net income	$0	75
Net income of bank and minority interests.	$910,000	2,918
Net charge-offs	$473,000	666
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$140,000	336
Net operating income	$894,000	2,894
2015-03-31 (YTD Data)		Rank
Total interest income	$3,087,000	1,993
Total interest expense	$398,000	1,735
Net interest income	$2,689,000	2,002
Provision for loan and lease losses	$330,000	580
Total noninterest income	$349,000	2,580
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$105,000	2,396
Trading account gains and fees	$0	152
Additional Noninterest Income	$244,000	2,383
Total noninterest expense	$2,029,000	2,281
Salaries and employee benefits	$1,173,000	2,197
Premises and equipment expense	$128,000	3,518
Additional noninterest expense	$728,000	2,035
Pre-tax net operating income	$679,000	2,468
Securities gains (losses)	$25,000	1,138
Applicable income taxes	$250,000	1,606
Income before extraordinary items	$454,000	2,901
Extraordinary gains, net	$0	13
Net income	$454,000	2,904
Minority interest net income	$0	64
Net income of bank and minority interests.	$454,000	2,904
Net charge-offs	$275,000	578
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$70,000	308
Net operating income	$438,000	2,895
2014-12-31 (YTD Data)		Rank
Total interest income	$11,992,000	2,040
Total interest expense	$1,608,000	1,790
Net interest income	$10,384,000	2,053
Provision for loan and lease losses	$1,699,000	545
Total noninterest income	$1,538,000	2,471
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$501,000	2,284
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,037,000	2,284
Total noninterest expense	$7,956,000	2,327
Salaries and employee benefits	$4,534,000	2,234
Premises and equipment expense	$548,000	3,435
Additional noninterest expense	$2,874,000	2,108
Pre-tax net operating income	$2,267,000	2,771
Securities gains (losses)	$153,000	959
Applicable income taxes	$817,000	1,743
Income before extraordinary items	$1,603,000	3,129
Extraordinary gains, net	$0	17
Net income	$1,603,000	3,129
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,603,000	3,130
Net charge-offs	$2,153,000	468
Cash dividends	$3,376,000	842
Sale, conversion, retirement of capital stock, net	$282,000	383
Net operating income	$1,502,020	3,193
2014-09-30 (YTD Data)		Rank
Total interest income	$8,891,000	2,072
Total interest expense	$1,215,000	1,800
Net interest income	$7,676,000	2,087
Provision for loan and lease losses	$1,212,000	553
Total noninterest income	$1,065,000	2,618
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$376,000	2,296
Trading account gains and fees	$0	174
Additional Noninterest Income	$689,000	2,462
Total noninterest expense	$5,917,000	2,346
Salaries and employee benefits	$3,368,000	2,261
Premises and equipment expense	$420,000	3,424
Additional noninterest expense	$2,129,000	2,127
Pre-tax net operating income	$1,612,000	2,905
Securities gains (losses)	$106,000	959
Applicable income taxes	$572,000	1,850
Income before extraordinary items	$1,146,000	3,234
Extraordinary gains, net	$0	15
Net income	$1,146,000	3,233
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,146,000	3,235
Net charge-offs	$1,287,000	555
Cash dividends	$1,900,000	995
Sale, conversion, retirement of capital stock, net	$210,000	350
Net operating income	$1,074,980	3,320
2014-06-30 (YTD Data)		Rank
Total interest income	$5,840,000	2,090
Total interest expense	$818,000	1,804
Net interest income	$5,022,000	2,116
Provision for loan and lease losses	$869,000	520
Total noninterest income	$696,000	2,610
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$238,000	2,358
Trading account gains and fees	$0	172
Additional Noninterest Income	$458,000	2,429
Total noninterest expense	$3,933,000	2,360
Salaries and employee benefits	$2,242,000	2,268
Premises and equipment expense	$288,000	3,381
Additional noninterest expense	$1,403,000	2,142
Pre-tax net operating income	$916,000	3,121
Securities gains (losses)	$106,000	754
Applicable income taxes	$329,000	1,967
Income before extraordinary items	$693,000	3,353
Extraordinary gains, net	$0	20
Net income	$693,000	3,359
Minority interest net income	$0	80
Net income of bank and minority interests.	$693,000	3,359
Net charge-offs	$985,000	506
Cash dividends	$1,900,000	687
Sale, conversion, retirement of capital stock, net	$140,000	331
Net operating income	$620,920	3,512
2014-03-31 (YTD Data)		Rank
Total interest income	$2,884,000	2,117
Total interest expense	$416,000	1,798
Net interest income	$2,468,000	2,142
Provision for loan and lease losses	$344,000	628
Total noninterest income	$255,000	3,037
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$108,000	2,513
Trading account gains and fees	$0	147
Additional Noninterest Income	$147,000	2,997
Total noninterest expense	$1,917,000	2,436
Salaries and employee benefits	$1,092,000	2,322
Premises and equipment expense	$150,000	3,344
Additional noninterest expense	$675,000	2,222
Pre-tax net operating income	$462,000	3,041
Securities gains (losses)	$0	1,715
Applicable income taxes	$142,000	2,050
Income before extraordinary items	$320,000	3,440
Extraordinary gains, net	$0	16
Net income	$320,000	3,443
Minority interest net income	$0	66
Net income of bank and minority interests.	$320,000	3,443
Net charge-offs	$307,000	704
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$69,000	305
Net operating income	$320,000	3,394
2013-12-31 (YTD Data)		Rank
Total interest income	$11,185,000	2,187
Total interest expense	$1,962,000	1,735
Net interest income	$9,223,000	2,265
Provision for loan and lease losses	$1,447,000	817
Total noninterest income	$1,560,000	2,520
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$514,000	2,324
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,046,000	2,323
Total noninterest expense	$7,459,000	2,483
Salaries and employee benefits	$4,160,000	2,392
Premises and equipment expense	$515,000	3,669
Additional noninterest expense	$2,784,000	2,244
Pre-tax net operating income	$1,877,000	2,977
Securities gains (losses)	$20,000	2,341
Applicable income taxes	$587,000	1,989
Income before extraordinary items	$1,310,000	3,400
Extraordinary gains, net	$0	29
Net income	$1,310,000	3,401
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,310,000	3,403
Net charge-offs	$1,062,000	1,213
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$184,000	445
Net operating income	$1,296,200	3,371
2013-09-30 (YTD Data)		Rank
Total interest income	$8,341,000	2,212
Total interest expense	$1,495,000	1,758
Net interest income	$6,846,000	2,293
Provision for loan and lease losses	$951,000	919
Total noninterest income	$1,120,000	2,646
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$378,000	2,375
Trading account gains and fees	$0	180
Additional Noninterest Income	$742,000	2,436
Total noninterest expense	$5,510,000	2,521
Salaries and employee benefits	$3,116,000	2,408
Premises and equipment expense	$391,000	3,666
Additional noninterest expense	$2,003,000	2,304
Pre-tax net operating income	$1,505,000	2,912
Securities gains (losses)	$20,000	2,218
Applicable income taxes	$461,000	1,996
Income before extraordinary items	$1,064,000	3,304
Extraordinary gains, net	$0	25
Net income	$1,064,000	3,307
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,064,000	3,308
Net charge-offs	$713,000	1,281
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$81,000	498
Net operating income	$1,050,000	3,247
2013-06-30 (YTD Data)		Rank
Total interest income	$5,521,000	2,228
Total interest expense	$1,014,000	1,762
Net interest income	$4,507,000	2,314
Provision for loan and lease losses	$505,000	1,150
Total noninterest income	$654,000	2,885
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$242,000	2,421
Trading account gains and fees	$0	157
Additional Noninterest Income	$412,000	2,757
Total noninterest expense	$3,640,000	2,552
Salaries and employee benefits	$2,032,000	2,464
Premises and equipment expense	$256,000	3,728
Additional noninterest expense	$1,352,000	2,271
Pre-tax net operating income	$1,016,000	2,870
Securities gains (losses)	$20,000	2,017
Applicable income taxes	$321,000	1,951
Income before extraordinary items	$715,000	3,269
Extraordinary gains, net	$0	22
Net income	$715,000	3,270
Minority interest net income	$0	82
Net income of bank and minority interests.	$715,000	3,272
Net charge-offs	$478,000	1,292
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$10,000	708
Net operating income	$701,200	3,220
2013-03-31 (YTD Data)		Rank
Total interest income	$2,776,000	2,239
Total interest expense	$524,000	1,753
Net interest income	$2,252,000	2,326
Provision for loan and lease losses	$259,000	1,126
Total noninterest income	$341,000	2,814
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$121,000	2,415
Trading account gains and fees	$0	148
Additional Noninterest Income	$220,000	2,643
Total noninterest expense	$1,825,000	2,573
Salaries and employee benefits	$1,007,000	2,501
Premises and equipment expense	$119,000	3,917
Additional noninterest expense	$699,000	2,230
Pre-tax net operating income	$509,000	2,834
Securities gains (losses)	$0	1,966
Applicable income taxes	$157,000	1,947
Income before extraordinary items	$352,000	3,266
Extraordinary gains, net	$0	10
Net income	$352,000	3,266
Minority interest net income	$0	76
Net income of bank and minority interests.	$352,000	3,268
Net charge-offs	$241,000	1,218
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$352,000	3,168
2012-12-31 (YTD Data)		Rank
Total interest income	$11,169,000	2,330
Total interest expense	$2,507,000	1,742
Net interest income	$8,662,000	2,475
Provision for loan and lease losses	$1,235,000	1,522
Total noninterest income	$1,697,000	2,432
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$490,000	2,533
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,207,000	2,133
Total noninterest expense	$7,276,000	2,577
Salaries and employee benefits	$3,989,000	2,457
Premises and equipment expense	$503,000	3,810
Additional noninterest expense	$2,784,000	2,327
Pre-tax net operating income	$1,848,000	2,965
Securities gains (losses)	$212,000	1,646
Applicable income taxes	$727,000	1,798
Income before extraordinary items	$1,333,000	3,341
Extraordinary gains, net	$0	29
Net income	$1,333,000	3,342
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,333,000	3,342
Net charge-offs	$1,126,000	1,704
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,195,200	3,399
2012-09-30 (YTD Data)		Rank
Total interest income	$8,386,000	2,368
Total interest expense	$1,969,000	1,745
Net interest income	$6,417,000	2,546
Provision for loan and lease losses	$850,000	1,635
Total noninterest income	$1,089,000	2,674
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$349,000	2,655
Trading account gains and fees	$0	157
Additional Noninterest Income	$740,000	2,384
Total noninterest expense	$5,358,000	2,626
Salaries and employee benefits	$2,980,000	2,472
Premises and equipment expense	$369,000	3,914
Additional noninterest expense	$2,009,000	2,410
Pre-tax net operating income	$1,298,000	3,150
Securities gains (losses)	$58,000	2,346
Applicable income taxes	$483,000	1,986
Income before extraordinary items	$873,000	3,703
Extraordinary gains, net	$0	20
Net income	$873,000	3,703
Minority interest net income	$0	86
Net income of bank and minority interests.	$873,000	3,705
Net charge-offs	$895,000	1,577
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$-1,068,000	7,163
Net operating income	$835,880	3,619
2012-06-30 (YTD Data)		Rank
Total interest income	$5,542,000	2,396
Total interest expense	$1,356,000	1,751
Net interest income	$4,186,000	2,605
Provision for loan and lease losses	$510,000	1,775
Total noninterest income	$679,000	2,719
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$223,000	2,727
Trading account gains and fees	$0	153
Additional Noninterest Income	$456,000	2,455
Total noninterest expense	$3,587,000	2,629
Salaries and employee benefits	$2,038,000	2,412
Premises and equipment expense	$242,000	3,956
Additional noninterest expense	$1,307,000	2,481
Pre-tax net operating income	$768,000	3,363
Securities gains (losses)	$1,000	3,081
Applicable income taxes	$268,000	2,166
Income before extraordinary items	$501,000	3,989
Extraordinary gains, net	$0	19
Net income	$501,000	3,992
Minority interest net income	$0	84
Net income of bank and minority interests.	$501,000	3,993
Net charge-offs	$414,000	1,962
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$-1,088,000	7,228
Net operating income	$500,350	3,798
2012-03-31 (YTD Data)		Rank
Total interest income	$2,755,000	2,433
Total interest expense	$705,000	1,747
Net interest income	$2,050,000	2,663
Provision for loan and lease losses	$255,000	1,721
Total noninterest income	$308,000	2,911
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$110,000	2,721
Trading account gains and fees	$0	148
Additional Noninterest Income	$198,000	2,679
Total noninterest expense	$1,770,000	2,643
Salaries and employee benefits	$1,031,000	2,407
Premises and equipment expense	$112,000	4,154
Additional noninterest expense	$627,000	2,550
Pre-tax net operating income	$333,000	3,645
Securities gains (losses)	$1,000	2,095
Applicable income taxes	$116,000	2,299
Income before extraordinary items	$218,000	4,223
Extraordinary gains, net	$0	19
Net income	$218,000	4,227
Minority interest net income	$0	78
Net income of bank and minority interests.	$218,000	4,227
Net charge-offs	$235,000	1,707
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$-1,104,000	7,301
Net operating income	$217,350	4,080
2011-12-31 (YTD Data)		Rank
Total interest income	$11,201,000	2,500
Total interest expense	$3,239,000	1,824
Net interest income	$7,962,000	2,749
Provision for loan and lease losses	$1,625,000	1,791
Total noninterest income	$1,727,000	2,231
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$524,000	2,468
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,203,000	1,906
Total noninterest expense	$6,976,000	2,677
Salaries and employee benefits	$3,720,000	2,580
Premises and equipment expense	$490,000	4,100
Additional noninterest expense	$2,766,000	2,367
Pre-tax net operating income	$1,088,000	3,559
Securities gains (losses)	$95,000	2,110
Applicable income taxes	$396,000	2,256
Income before extraordinary items	$787,000	3,974
Extraordinary gains, net	$0	29
Net income	$787,000	3,979
Minority interest net income	$0	96
Net income of bank and minority interests.	$787,000	3,978
Net charge-offs	$1,420,000	1,955
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$723,350	3,966
2011-09-30 (YTD Data)		Rank
Total interest income	$8,360,000	2,534
Total interest expense	$2,459,000	1,883
Net interest income	$5,901,000	2,790
Provision for loan and lease losses	$1,275,000	1,681
Total noninterest income	$1,300,000	2,220
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$392,000	2,490
Trading account gains and fees	$0	145
Additional Noninterest Income	$908,000	1,878
Total noninterest expense	$5,210,000	2,686
Salaries and employee benefits	$2,796,000	2,573
Premises and equipment expense	$375,000	4,081
Additional noninterest expense	$2,039,000	2,416
Pre-tax net operating income	$716,000	3,934
Securities gains (losses)	$95,000	1,838
Applicable income taxes	$269,000	2,376
Income before extraordinary items	$542,000	4,181
Extraordinary gains, net	$0	21
Net income	$542,000	4,183
Minority interest net income	$0	87
Net income of bank and minority interests.	$542,000	4,183
Net charge-offs	$1,091,000	1,811
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$478,350	4,266
2011-06-30 (YTD Data)		Rank
Total interest income	$5,551,000	2,557
Total interest expense	$1,662,000	1,927
Net interest income	$3,889,000	2,813
Provision for loan and lease losses	$975,000	1,517
Total noninterest income	$904,000	2,141
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$249,000	2,576
Trading account gains and fees	$0	153
Additional Noninterest Income	$655,000	1,784
Total noninterest expense	$3,353,000	2,787
Salaries and employee benefits	$1,800,000	2,691
Premises and equipment expense	$247,000	4,140
Additional noninterest expense	$1,306,000	2,542
Pre-tax net operating income	$465,000	3,943
Securities gains (losses)	$64,000	1,431
Applicable income taxes	$183,000	2,310
Income before extraordinary items	$346,000	4,233
Extraordinary gains, net	$0	15
Net income	$346,000	4,233
Minority interest net income	$0	89
Net income of bank and minority interests.	$346,000	4,235
Net charge-offs	$935,000	1,528
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$304,400	4,344
2011-03-31 (YTD Data)		Rank
Total interest income	$2,731,000	2,612
Total interest expense	$842,000	1,963
Net interest income	$1,889,000	2,859
Provision for loan and lease losses	$350,000	1,781
Total noninterest income	$383,000	2,422
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$120,000	2,615
Trading account gains and fees	$0	158
Additional Noninterest Income	$263,000	2,083
Total noninterest expense	$1,683,000	2,796
Salaries and employee benefits	$892,000	2,723
Premises and equipment expense	$124,000	4,195
Additional noninterest expense	$667,000	2,486
Pre-tax net operating income	$239,000	3,916
Securities gains (losses)	$0	1,772
Applicable income taxes	$80,000	2,425
Income before extraordinary items	$159,000	4,355
Extraordinary gains, net	$0	9
Net income	$159,000	4,354
Minority interest net income	$0	86
Net income of bank and minority interests.	$159,000	4,355
Net charge-offs	$264,000	1,864
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$159,000	4,293
2010-12-31 (YTD Data)		Rank
Total interest income	$10,930,000	2,734
Total interest expense	$4,045,000	1,978
Net interest income	$6,885,000	3,105
Provision for loan and lease losses	$1,294,000	2,665
Total noninterest income	$1,373,000	2,670
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$496,000	2,657
Trading account gains and fees	$0	175
Additional Noninterest Income	$877,000	2,368
Total noninterest expense	$6,337,000	2,976
Salaries and employee benefits	$3,280,000	2,881
Premises and equipment expense	$439,000	4,522
Additional noninterest expense	$2,618,000	2,575
Pre-tax net operating income	$627,000	4,089
Securities gains (losses)	$122,000	1,994
Applicable income taxes	$239,000	2,568
Income before extraordinary items	$510,000	4,287
Extraordinary gains, net	$0	29
Net income	$510,000	4,288
Minority interest net income	$0	111
Net income of bank and minority interests.	$510,000	4,288
Net charge-offs	$708,000	3,152
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$427,040	4,394
2010-09-30 (YTD Data)		Rank
Total interest income	$8,182,000	2,795
Total interest expense	$3,116,000	2,007
Net interest income	$5,066,000	3,206
Provision for loan and lease losses	$994,000	2,520
Total noninterest income	$976,000	2,775
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$380,000	2,680
Trading account gains and fees	$0	165
Additional Noninterest Income	$596,000	2,492
Total noninterest expense	$4,648,000	3,027
Salaries and employee benefits	$2,415,000	2,948
Premises and equipment expense	$343,000	4,485
Additional noninterest expense	$1,890,000	2,618
Pre-tax net operating income	$400,000	4,508
Securities gains (losses)	$46,000	2,464
Applicable income taxes	$135,000	2,877
Income before extraordinary items	$311,000	4,822
Extraordinary gains, net	$0	23
Net income	$311,000	4,825
Minority interest net income	$0	110
Net income of bank and minority interests.	$311,000	4,825
Net charge-offs	$526,000	3,009
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$278,800	4,781
2010-06-30 (YTD Data)		Rank
Total interest income	$5,391,000	2,843
Total interest expense	$2,108,000	2,049
Net interest income	$3,283,000	3,285
Provision for loan and lease losses	$694,000	2,394
Total noninterest income	$696,000	2,597
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$260,000	2,640
Trading account gains and fees	$0	152
Additional Noninterest Income	$436,000	2,288
Total noninterest expense	$2,980,000	3,130
Salaries and employee benefits	$1,583,000	2,997
Premises and equipment expense	$228,000	4,525
Additional noninterest expense	$1,169,000	2,776
Pre-tax net operating income	$305,000	4,385
Securities gains (losses)	$31,000	2,160
Applicable income taxes	$97,000	2,813
Income before extraordinary items	$239,000	4,647
Extraordinary gains, net	$0	19
Net income	$239,000	4,647
Minority interest net income	$0	105
Net income of bank and minority interests.	$239,000	4,647
Net charge-offs	$345,000	2,886
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$216,990	4,639
2010-03-31 (YTD Data)		Rank
Total interest income	$2,667,000	2,926
Total interest expense	$1,044,000	2,181
Net interest income	$1,623,000	3,336
Provision for loan and lease losses	$370,000	2,165
Total noninterest income	$379,000	2,465
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$128,000	2,661
Trading account gains and fees	$0	175
Additional Noninterest Income	$251,000	2,062
Total noninterest expense	$1,475,000	3,194
Salaries and employee benefits	$791,000	3,044
Premises and equipment expense	$111,000	4,666
Additional noninterest expense	$573,000	2,822
Pre-tax net operating income	$157,000	4,485
Securities gains (losses)	$31,000	1,347
Applicable income taxes	$46,000	2,855
Income before extraordinary items	$142,000	4,476
Extraordinary gains, net	$0	16
Net income	$142,000	4,476
Minority interest net income	$0	91
Net income of bank and minority interests.	$142,000	4,475
Net charge-offs	$181,000	2,543
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$118,440	4,645
2009-12-31 (YTD Data)		Rank
Total interest income	$10,913,000	2,997
Total interest expense	$4,510,000	2,477
Net interest income	$6,403,000	3,272
Provision for loan and lease losses	$1,588,000	2,805
Total noninterest income	$1,269,000	2,866
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$517,000	2,813
Trading account gains and fees	$0	211
Additional Noninterest Income	$752,000	2,555
Total noninterest expense	$5,796,000	3,266
Salaries and employee benefits	$2,899,000	3,279
Premises and equipment expense	$414,000	4,898
Additional noninterest expense	$2,483,000	2,753
Pre-tax net operating income	$288,000	4,536
Securities gains (losses)	$135,000	1,873
Applicable income taxes	$68,000	3,098
Income before extraordinary items	$355,000	4,303
Extraordinary gains, net	$0	34
Net income	$355,000	4,304
Minority interest net income	$0	115
Net income of bank and minority interests.	$355,000	4,304
Net charge-offs	$1,181,000	2,671
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$241,600	4,598
2009-09-30 (YTD Data)		Rank
Total interest income	$8,226,000	3,028
Total interest expense	$3,437,000	2,545
Net interest income	$4,789,000	3,290
Provision for loan and lease losses	$1,043,000	2,721
Total noninterest income	$844,000	3,159
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$385,000	2,834
Trading account gains and fees	$0	212
Additional Noninterest Income	$459,000	2,957
Total noninterest expense	$4,208,000	3,368
Salaries and employee benefits	$2,135,000	3,357
Premises and equipment expense	$291,000	5,109
Additional noninterest expense	$1,782,000	2,828
Pre-tax net operating income	$382,000	4,248
Securities gains (losses)	$46,000	2,351
Applicable income taxes	$109,000	2,816
Income before extraordinary items	$319,000	4,357
Extraordinary gains, net	$0	27
Net income	$319,000	4,353
Minority interest net income	$0	118
Net income of bank and minority interests.	$319,000	4,356
Net charge-offs	$410,000	3,311
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$284,500	4,414
2009-06-30 (YTD Data)		Rank
Total interest income	$5,510,000	3,047
Total interest expense	$2,305,000	2,636
Net interest income	$3,205,000	3,276
Provision for loan and lease losses	$634,000	2,626
Total noninterest income	$392,000	3,886
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$248,000	2,886
Trading account gains and fees	$0	193
Additional Noninterest Income	$144,000	4,200
Total noninterest expense	$2,685,000	3,515
Salaries and employee benefits	$1,419,000	3,398
Premises and equipment expense	$198,000	5,101
Additional noninterest expense	$1,068,000	3,129
Pre-tax net operating income	$278,000	4,234
Securities gains (losses)	$37,000	2,068
Applicable income taxes	$74,000	2,868
Income before extraordinary items	$241,000	4,299
Extraordinary gains, net	$0	21
Net income	$241,000	4,298
Minority interest net income	$0	112
Net income of bank and minority interests.	$241,000	4,298
Net charge-offs	$243,000	3,196
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$212,510	4,355
2009-03-31 (YTD Data)		Rank
Total interest income	$2,699,000	3,130
Total interest expense	$1,168,000	2,689
Net interest income	$1,531,000	3,396
Provision for loan and lease losses	$280,000	2,420
Total noninterest income	$158,000	4,288
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$120,000	2,891
Trading account gains and fees	$0	171
Additional Noninterest Income	$38,000	5,265
Total noninterest expense	$1,312,000	3,505
Salaries and employee benefits	$712,000	3,417
Premises and equipment expense	$92,000	5,322
Additional noninterest expense	$508,000	2,968
Pre-tax net operating income	$97,000	5,072
Securities gains (losses)	$36,000	1,437
Applicable income taxes	$38,000	3,107
Income before extraordinary items	$95,000	5,018
Extraordinary gains, net	$0	15
Net income	$95,000	5,023
Minority interest net income	$0	102
Net income of bank and minority interests.	$95,000	5,022
Net charge-offs	$125,000	2,620
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$69,440	5,233
2008-12-31 (YTD Data)		Rank
Total interest income	$10,817,000	3,328
Total interest expense	$5,315,000	2,818
Net interest income	$5,502,000	3,692
Provision for loan and lease losses	$525,000	3,729
Total noninterest income	$1,025,000	3,352
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$557,000	2,785
Trading account gains and fees	$0	154
Additional Noninterest Income	$468,000	3,297
Total noninterest expense	$5,320,000	3,394
Salaries and employee benefits	$2,757,000	3,489
Premises and equipment expense	$406,000	5,044
Additional noninterest expense	$2,157,000	2,672
Pre-tax net operating income	$682,000	4,437
Securities gains (losses)	$32,000	1,899
Applicable income taxes	$282,000	2,474
Income before extraordinary items	$432,000	4,652
Extraordinary gains, net	$0	39
Net income	$432,000	4,651
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$331,000	3,392
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$411,520	4,891
2008-09-30 (YTD Data)		Rank
Total interest income	$8,137,000	3,379
Total interest expense	$4,117,000	2,836
Net interest income	$4,020,000	3,793
Provision for loan and lease losses	$303,000	3,527
Total noninterest income	$679,000	3,705
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$416,000	2,812
Trading account gains and fees	$0	148
Additional Noninterest Income	$263,000	3,927
Total noninterest expense	$4,158,000	3,284
Salaries and employee benefits	$2,025,000	3,580
Premises and equipment expense	$331,000	4,822
Additional noninterest expense	$1,802,000	2,365
Pre-tax net operating income	$238,000	5,892
Securities gains (losses)	$6,000	2,568
Applicable income taxes	$0	5,372
Income before extraordinary items	$244,000	5,481
Extraordinary gains, net	$0	31
Net income	$244,000	5,478
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$249,000	2,776
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$238,000	5,690
2008-06-30 (YTD Data)		Rank
Total interest income	$5,464,000	3,404
Total interest expense	$2,839,000	2,847
Net interest income	$2,625,000	3,844
Provision for loan and lease losses	$182,000	3,295
Total noninterest income	$437,000	3,824
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$264,000	2,888
Trading account gains and fees	$0	149
Additional Noninterest Income	$173,000	4,055
Total noninterest expense	$2,629,000	3,428
Salaries and employee benefits	$1,340,000	3,635
Premises and equipment expense	$191,000	5,265
Additional noninterest expense	$1,098,000	2,528
Pre-tax net operating income	$251,000	5,485
Securities gains (losses)	$6,000	2,681
Applicable income taxes	$103,000	3,427
Income before extraordinary items	$154,000	5,937
Extraordinary gains, net	$0	21
Net income	$154,000	5,935
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$134,000	2,673
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$150,160	5,920
2008-03-31 (YTD Data)		Rank
Total interest income	$2,706,000	3,521
Total interest expense	$1,504,000	2,888
Net interest income	$1,202,000	4,101
Provision for loan and lease losses	$37,000	4,177
Total noninterest income	$197,000	4,032
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$122,000	3,018
Trading account gains and fees	$0	158
Additional Noninterest Income	$75,000	4,329
Total noninterest expense	$1,258,000	3,566
Salaries and employee benefits	$646,000	3,763
Premises and equipment expense	$97,000	5,250
Additional noninterest expense	$515,000	2,655
Pre-tax net operating income	$104,000	5,969
Securities gains (losses)	$5,000	2,232
Applicable income taxes	$39,000	3,818
Income before extraordinary items	$70,000	6,273
Extraordinary gains, net	$0	15
Net income	$70,000	6,274
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	2,888
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$66,800	6,232
2007-12-31 (YTD Data)		Rank
Total interest income	$10,348,000	3,693
Total interest expense	$5,950,000	3,020
Net interest income	$4,398,000	4,359
Provision for loan and lease losses	$215,000	3,755
Total noninterest income	$981,000	3,571
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$507,000	3,027
Trading account gains and fees	$0	178
Additional Noninterest Income	$474,000	3,410
Total noninterest expense	$4,890,000	3,496
Salaries and employee benefits	$2,453,000	3,779
Premises and equipment expense	$395,000	5,065
Additional noninterest expense	$2,042,000	2,618
Pre-tax net operating income	$274,000	6,666
Securities gains (losses)	$-2,000	7,197
Applicable income taxes	$29,000	5,248
Income before extraordinary items	$243,000	6,633
Extraordinary gains, net	$0	39
Net income	$243,000	6,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$204,000	2,834
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$244,780	6,612
2007-09-30 (YTD Data)		Rank
Total interest income	$7,690,000	3,716
Total interest expense	$4,404,000	3,053
Net interest income	$3,286,000	4,389
Provision for loan and lease losses	$145,000	3,535
Total noninterest income	$742,000	3,561
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$371,000	3,061
Trading account gains and fees	$0	184
Additional Noninterest Income	$371,000	3,344
Total noninterest expense	$3,661,000	3,483
Salaries and employee benefits	$1,843,000	3,770
Premises and equipment expense	$295,000	5,067
Additional noninterest expense	$1,523,000	2,582
Pre-tax net operating income	$222,000	6,883
Securities gains (losses)	$-1,000	7,322
Applicable income taxes	$67,000	4,753
Income before extraordinary items	$154,000	7,015
Extraordinary gains, net	$0	33
Net income	$154,000	7,013
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	2,317
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$154,700	7,002
2007-06-30 (YTD Data)		Rank
Total interest income	$5,040,000	3,765
Total interest expense	$2,878,000	3,104
Net interest income	$2,162,000	4,456
Provision for loan and lease losses	$120,000	2,960
Total noninterest income	$486,000	3,619
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$230,000	3,205
Trading account gains and fees	$0	168
Additional Noninterest Income	$256,000	3,302
Total noninterest expense	$2,429,000	3,525
Salaries and employee benefits	$1,232,000	3,802
Premises and equipment expense	$196,000	5,097
Additional noninterest expense	$1,001,000	2,625
Pre-tax net operating income	$99,000	7,251
Securities gains (losses)	$-1,000	7,616
Applicable income taxes	$30,000	5,109
Income before extraordinary items	$68,000	7,344
Extraordinary gains, net	$0	29
Net income	$68,000	7,344
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	2,438
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$68,690	7,335
2007-03-31 (YTD Data)		Rank
Total interest income	$2,513,000	3,770
Total interest expense	$1,410,000	3,153
Net interest income	$1,103,000	4,406
Provision for loan and lease losses	$90,000	2,153
Total noninterest income	$255,000	3,475
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$108,000	3,287
Trading account gains and fees	$0	195
Additional Noninterest Income	$147,000	3,058
Total noninterest expense	$1,224,000	3,514
Salaries and employee benefits	$623,000	3,784
Premises and equipment expense	$97,000	5,145
Additional noninterest expense	$504,000	2,599
Pre-tax net operating income	$44,000	7,362
Securities gains (losses)	$0	1,187
Applicable income taxes	$16,000	5,054
Income before extraordinary items	$28,000	7,495
Extraordinary gains, net	$0	22
Net income	$28,000	7,494
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	2,349
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$28,000	7,479
2006-12-31 (YTD Data)		Rank
Total interest income	$9,155,000	3,816
Total interest expense	$4,915,000	3,073
Net interest income	$4,240,000	4,492
Provision for loan and lease losses	$380,000	2,368
Total noninterest income	$985,000	3,581
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$439,000	3,348
Trading account gains and fees	$0	130
Additional Noninterest Income	$546,000	3,185
Total noninterest expense	$4,692,000	3,521
Salaries and employee benefits	$2,337,000	3,805
Premises and equipment expense	$410,000	4,846
Additional noninterest expense	$1,945,000	2,636
Pre-tax net operating income	$153,000	7,547
Securities gains (losses)	$19,000	922
Applicable income taxes	$43,000	5,544
Income before extraordinary items	$129,000	7,563
Extraordinary gains, net	$0	51
Net income	$129,000	7,566
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$261,000	1,854
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$114,750	7,616
2006-09-30 (YTD Data)		Rank
Total interest income	$6,773,000	3,831
Total interest expense	$3,500,000	3,109
Net interest income	$3,273,000	4,462
Provision for loan and lease losses	$165,000	3,241
Total noninterest income	$730,000	3,619
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$326,000	3,388
Trading account gains and fees	$0	126
Additional Noninterest Income	$404,000	3,202
Total noninterest expense	$3,480,000	3,551
Salaries and employee benefits	$1,731,000	3,836
Premises and equipment expense	$304,000	4,894
Additional noninterest expense	$1,445,000	2,644
Pre-tax net operating income	$358,000	6,758
Securities gains (losses)	$41,000	599
Applicable income taxes	$137,000	4,562
Income before extraordinary items	$262,000	6,907
Extraordinary gains, net	$0	45
Net income	$262,000	6,910
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$214,000	1,456
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$234,940	7,040
2006-06-30 (YTD Data)		Rank
Total interest income	$4,362,000	3,883
Total interest expense	$2,136,000	3,214
Net interest income	$2,226,000	4,407
Provision for loan and lease losses	$75,000	3,786
Total noninterest income	$458,000	3,725
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$218,000	3,356
Trading account gains and fees	$0	126
Additional Noninterest Income	$240,000	3,399
Total noninterest expense	$2,270,000	3,618
Salaries and employee benefits	$1,151,000	3,859
Premises and equipment expense	$198,000	4,966
Additional noninterest expense	$921,000	2,761
Pre-tax net operating income	$339,000	6,224
Securities gains (losses)	$40,000	485
Applicable income taxes	$132,000	4,185
Income before extraordinary items	$247,000	6,402
Extraordinary gains, net	$0	39
Net income	$247,000	6,403
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	1,990
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$221,000	6,574
2006-03-31 (YTD Data)		Rank
Total interest income	$2,090,000	3,942
Total interest expense	$988,000	3,285
Net interest income	$1,102,000	4,422
Provision for loan and lease losses	$15,000	4,758
Total noninterest income	$236,000	3,613
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$101,000	3,453
Trading account gains and fees	$0	115
Additional Noninterest Income	$135,000	3,166
Total noninterest expense	$1,134,000	3,636
Salaries and employee benefits	$584,000	3,842
Premises and equipment expense	$105,000	4,798
Additional noninterest expense	$445,000	2,831
Pre-tax net operating income	$189,000	5,956
Securities gains (losses)	$0	955
Applicable income taxes	$65,000	4,153
Income before extraordinary items	$124,000	6,355
Extraordinary gains, net	$0	21
Net income	$124,000	6,355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,616
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$124,000	6,351
2005-12-31 (YTD Data)		Rank
Total interest income	$7,822,000	3,818
Total interest expense	$3,449,000	2,976
Net interest income	$4,373,000	4,346
Provision for loan and lease losses	$170,000	3,909
Total noninterest income	$863,000	3,877
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$404,000	3,533
Trading account gains and fees	$0	138
Additional Noninterest Income	$459,000	3,525
Total noninterest expense	$4,521,000	3,526
Salaries and employee benefits	$2,184,000	3,865
Premises and equipment expense	$400,000	4,857
Additional noninterest expense	$1,937,000	2,567
Pre-tax net operating income	$545,000	6,597
Securities gains (losses)	$568,000	263
Applicable income taxes	$439,000	3,564
Income before extraordinary items	$674,000	5,745
Extraordinary gains, net	$0	46
Net income	$674,000	5,749
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	2,729
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$310,480	7,120
2005-09-30 (YTD Data)		Rank
Total interest income	$5,797,000	3,810
Total interest expense	$2,529,000	2,908
Net interest income	$3,268,000	4,367
Provision for loan and lease losses	$140,000	3,587
Total noninterest income	$644,000	3,906
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$292,000	3,620
Trading account gains and fees	$0	126
Additional Noninterest Income	$352,000	3,515
Total noninterest expense	$3,379,000	3,497
Salaries and employee benefits	$1,623,000	3,870
Premises and equipment expense	$294,000	4,911
Additional noninterest expense	$1,462,000	2,521
Pre-tax net operating income	$393,000	6,823
Securities gains (losses)	$568,000	245
Applicable income taxes	$396,000	3,343
Income before extraordinary items	$565,000	5,607
Extraordinary gains, net	$0	35
Net income	$565,000	5,610
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	2,817
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$201,480	7,403
2005-06-30 (YTD Data)		Rank
Total interest income	$3,810,000	3,773
Total interest expense	$1,655,000	2,809
Net interest income	$2,155,000	4,372
Provision for loan and lease losses	$120,000	3,004
Total noninterest income	$460,000	3,717
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$181,000	3,732
Trading account gains and fees	$0	116
Additional Noninterest Income	$279,000	3,197
Total noninterest expense	$2,310,000	3,405
Salaries and employee benefits	$1,084,000	3,847
Premises and equipment expense	$196,000	4,890
Additional noninterest expense	$1,030,000	2,356
Pre-tax net operating income	$185,000	7,303
Securities gains (losses)	$533,000	213
Applicable income taxes	$300,000	3,110
Income before extraordinary items	$418,000	5,330
Extraordinary gains, net	$0	30
Net income	$418,000	5,332
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	2,872
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$76,880	7,868
2005-03-31 (YTD Data)		Rank
Total interest income	$1,900,000	3,751
Total interest expense	$819,000	2,733
Net interest income	$1,081,000	4,379
Provision for loan and lease losses	$0	6,226
Total noninterest income	$199,000	3,990
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$67,000	4,356
Trading account gains and fees	$0	115
Additional Noninterest Income	$132,000	3,224
Total noninterest expense	$1,070,000	3,643
Salaries and employee benefits	$509,000	4,038
Premises and equipment expense	$92,000	5,144
Additional noninterest expense	$469,000	2,587
Pre-tax net operating income	$210,000	5,858
Securities gains (losses)	$0	1,685
Applicable income taxes	$94,000	3,867
Income before extraordinary items	$116,000	6,641
Extraordinary gains, net	$0	24
Net income	$116,000	6,643
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$116,000	6,605
2004-12-31 (YTD Data)		Rank
Total interest income	$7,523,000	3,583
Total interest expense	$3,420,000	2,354
Net interest income	$4,103,000	4,401
Provision for loan and lease losses	$347,000	2,648
Total noninterest income	$465,000	5,441
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$152,000	5,752
Trading account gains and fees	$0	138
Additional Noninterest Income	$313,000	4,184
Total noninterest expense	$4,054,000	3,699
Salaries and employee benefits	$1,985,000	4,023
Premises and equipment expense	$348,000	5,238
Additional noninterest expense	$1,721,000	2,772
Pre-tax net operating income	$167,000	7,888
Securities gains (losses)	$1,000	3,645
Applicable income taxes	$-42,000	8,663
Income before extraordinary items	$210,000	7,599
Extraordinary gains, net	$0	34
Net income	$210,000	7,601
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$519,000	1,298
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$209,000	7,564
2004-09-30 (YTD Data)		Rank
Total interest income	$5,628,000	3,569
Total interest expense	$2,586,000	2,286
Net interest income	$3,042,000	4,420
Provision for loan and lease losses	$235,000	2,682
Total noninterest income	$427,000	4,976
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$114,000	5,801
Trading account gains and fees	$0	134
Additional Noninterest Income	$313,000	3,652
Total noninterest expense	$2,928,000	3,783
Salaries and employee benefits	$1,470,000	4,012
Premises and equipment expense	$243,000	5,436
Additional noninterest expense	$1,215,000	2,898
Pre-tax net operating income	$306,000	7,175
Securities gains (losses)	$-6,000	8,396
Applicable income taxes	$63,000	5,791
Income before extraordinary items	$237,000	7,266
Extraordinary gains, net	$0	26
Net income	$237,000	7,267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$343,000	1,310
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$241,740	7,185
2004-06-30 (YTD Data)		Rank
Total interest income	$3,790,000	3,522
Total interest expense	$1,737,000	2,254
Net interest income	$2,053,000	4,392
Provision for loan and lease losses	$60,000	4,267
Total noninterest income	$243,000	5,360
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$72,000	5,920
Trading account gains and fees	$0	130
Additional Noninterest Income	$171,000	4,053
Total noninterest expense	$1,906,000	3,891
Salaries and employee benefits	$969,000	4,085
Premises and equipment expense	$158,000	5,516
Additional noninterest expense	$779,000	3,006
Pre-tax net operating income	$330,000	6,310
Securities gains (losses)	$0	3,413
Applicable income taxes	$83,000	5,075
Income before extraordinary items	$247,000	6,469
Extraordinary gains, net	$0	21
Net income	$247,000	6,469
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	1,833
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$247,000	6,378
2004-03-31 (YTD Data)		Rank
Total interest income	$1,886,000	3,546
Total interest expense	$881,000	2,243
Net interest income	$1,005,000	4,459
Provision for loan and lease losses	$30,000	4,060
Total noninterest income	$172,000	4,435
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$36,000	5,877
Trading account gains and fees	$0	121
Additional Noninterest Income	$136,000	3,110
Total noninterest expense	$951,000	3,915
Salaries and employee benefits	$490,000	4,073
Premises and equipment expense	$85,000	5,341
Additional noninterest expense	$376,000	3,078
Pre-tax net operating income	$196,000	5,863
Securities gains (losses)	$2,000	2,612
Applicable income taxes	$48,000	4,889
Income before extraordinary items	$150,000	6,017
Extraordinary gains, net	$0	16
Net income	$150,000	6,017
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	3,677
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$148,480	5,919
2003-12-31 (YTD Data)		Rank
Total interest income	$7,668,000	3,556
Total interest expense	$3,902,000	2,263
Net interest income	$3,766,000	4,567
Provision for loan and lease losses	$387,000	2,658
Total noninterest income	$620,000	4,871
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$148,000	5,881
Trading account gains and fees	$0	160
Additional Noninterest Income	$472,000	3,682
Total noninterest expense	$3,627,000	3,991
Salaries and employee benefits	$1,818,000	4,229
Premises and equipment expense	$289,000	5,770
Additional noninterest expense	$1,520,000	3,043
Pre-tax net operating income	$372,000	7,148
Securities gains (losses)	$6,000	3,841
Applicable income taxes	$-71,000	8,901
Income before extraordinary items	$449,000	6,576
Extraordinary gains, net	$0	54
Net income	$449,000	6,579
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$416,000	1,831
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$443,000	6,439
2003-09-30 (YTD Data)		Rank
Total interest income	$5,796,000	3,581
Total interest expense	$3,001,000	2,296
Net interest income	$2,795,000	4,609
Provision for loan and lease losses	$187,000	3,450
Total noninterest income	$390,000	5,382
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$109,000	5,956
Trading account gains and fees	$0	153
Additional Noninterest Income	$281,000	4,146
Total noninterest expense	$2,744,000	3,950
Salaries and employee benefits	$1,373,000	4,202
Premises and equipment expense	$223,000	5,675
Additional noninterest expense	$1,148,000	3,015
Pre-tax net operating income	$254,000	7,418
Securities gains (losses)	$0	4,204
Applicable income taxes	$-8,000	8,904
Income before extraordinary items	$262,000	7,180
Extraordinary gains, net	$0	40
Net income	$262,000	7,181
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$103,000	3,187
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$262,000	7,015
2003-06-30 (YTD Data)		Rank
Total interest income	$3,896,000	3,585
Total interest expense	$2,050,000	2,318
Net interest income	$1,846,000	4,638
Provision for loan and lease losses	$162,000	2,883
Total noninterest income	$307,000	4,932
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$69,000	6,045
Trading account gains and fees	$0	150
Additional Noninterest Income	$238,000	3,708
Total noninterest expense	$1,852,000	3,910
Salaries and employee benefits	$939,000	4,119
Premises and equipment expense	$145,000	5,768
Additional noninterest expense	$768,000	2,973
Pre-tax net operating income	$139,000	7,691
Securities gains (losses)	$0	3,782
Applicable income taxes	$-10,000	8,996
Income before extraordinary items	$149,000	7,460
Extraordinary gains, net	$0	30
Net income	$149,000	7,463
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	2,557
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$149,000	7,274
2003-03-31 (YTD Data)		Rank
Total interest income	$1,967,000	3,578
Total interest expense	$1,041,000	2,345
Net interest income	$926,000	4,623
Provision for loan and lease losses	$62,000	3,213
Total noninterest income	$82,000	6,373
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$29,000	6,311
Trading account gains and fees	$0	134
Additional Noninterest Income	$53,000	5,163
Total noninterest expense	$927,000	3,905
Salaries and employee benefits	$487,000	3,986
Premises and equipment expense	$70,000	5,840
Additional noninterest expense	$370,000	3,051
Pre-tax net operating income	$19,000	8,466
Securities gains (losses)	$0	2,891
Applicable income taxes	$-20,000	9,115
Income before extraordinary items	$39,000	8,116
Extraordinary gains, net	$0	21
Net income	$39,000	8,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	1,766
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$39,000	7,971
2002-12-31 (YTD Data)		Rank
Total interest income	$8,364,000	3,510
Total interest expense	$4,482,000	2,480
Net interest income	$3,882,000	4,446
Provision for loan and lease losses	$160,000	4,794
Total noninterest income	$861,000	3,818
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$119,000	6,270
Trading account gains and fees	$0	153
Additional Noninterest Income	$742,000	2,625
Total noninterest expense	$3,564,000	3,901
Salaries and employee benefits	$1,865,000	3,972
Premises and equipment expense	$262,000	5,976
Additional noninterest expense	$1,437,000	3,058
Pre-tax net operating income	$1,019,000	5,162
Securities gains (losses)	$0	4,537
Applicable income taxes	$282,000	4,545
Income before extraordinary items	$737,000	5,416
Extraordinary gains, net	$0	70
Net income	$737,000	5,416
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	5,336
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$737,000	5,274
2001-12-31 (YTD Data)		Rank
Total interest income	$9,205,000	3,560
Total interest expense	$5,787,000	2,759
Net interest income	$3,418,000	4,635
Provision for loan and lease losses	$26,000	7,353
Total noninterest income	$533,000	4,896
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$127,000	6,132
Trading account gains and fees	$0	177
Additional Noninterest Income	$406,000	3,496
Total noninterest expense	$3,257,000	4,071
Salaries and employee benefits	$1,694,000	4,113
Premises and equipment expense	$256,000	6,017
Additional noninterest expense	$1,307,000	3,238
Pre-tax net operating income	$668,000	5,931
Securities gains (losses)	$0	4,612
Applicable income taxes	$86,000	6,180
Income before extraordinary items	$582,000	5,707
Extraordinary gains, net	$0	105
Net income	$582,000	5,710
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,589
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$582,000	5,573
2000-12-31 (YTD Data)		Rank
Total interest income	$8,583,000	3,905
Total interest expense	$5,340,000	3,126
Net interest income	$3,243,000	4,874
Provision for loan and lease losses	$0	8,337
Total noninterest income	$167,000	7,661
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$93,000	6,699
Trading account gains and fees	$0	180
Additional Noninterest Income	$74,000	7,070
Total noninterest expense	$2,870,000	4,382
Salaries and employee benefits	$1,468,000	4,433
Premises and equipment expense	$236,000	6,243
Additional noninterest expense	$1,166,000	3,525
Pre-tax net operating income	$540,000	6,820
Securities gains (losses)	$0	1,956
Applicable income taxes	$89,000	6,663
Income before extraordinary items	$451,000	6,585
Extraordinary gains, net	$0	38
Net income	$451,000	6,583
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,934
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$451,000	6,604
1999-12-31 (YTD Data)		Rank
Total interest income	$7,301,000	4,247
Total interest expense	$4,238,000	3,417
Net interest income	$3,063,000	5,083
Provision for loan and lease losses	$0	8,503
Total noninterest income	$114,000	8,611
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$68,000	7,398
Trading account gains and fees	$0	173
Additional Noninterest Income	$46,000	8,198
Total noninterest expense	$2,317,000	5,135
Salaries and employee benefits	$1,150,000	5,332
Premises and equipment expense	$174,000	7,248
Additional noninterest expense	$993,000	4,044
Pre-tax net operating income	$860,000	5,726
Securities gains (losses)	$0	3,155
Applicable income taxes	$223,000	5,467
Income before extraordinary items	$637,000	5,729
Extraordinary gains, net	$0	35
Net income	$637,000	5,727
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	9,163
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$637,000	5,697
1998-12-31 (YTD Data)		Rank
Total interest income	$6,909,000	4,440
Total interest expense	$4,097,000	3,608
Net interest income	$2,812,000	5,393
Provision for loan and lease losses	$0	8,652
Total noninterest income	$103,000	8,980
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$63,000	7,708
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	8,530
Total noninterest expense	$2,040,000	5,523
Salaries and employee benefits	$1,045,000	5,602
Premises and equipment expense	$150,000	7,646
Additional noninterest expense	$845,000	4,495
Pre-tax net operating income	$875,000	5,823
Securities gains (losses)	$0	4,449
Applicable income taxes	$256,000	5,584
Income before extraordinary items	$619,000	5,967
Extraordinary gains, net	$0	32
Net income	$619,000	5,966
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	6,814
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$619,000	5,865
1997-12-31 (YTD Data)		Rank
Total interest income	$6,671,000	4,683
Total interest expense	$3,994,000	3,681
Net interest income	$2,677,000	5,788
Provision for loan and lease losses	$0	8,829
Total noninterest income	$81,000	9,741
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$62,000	8,090
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	9,900
Total noninterest expense	$1,931,000	5,785
Salaries and employee benefits	$957,000	6,015
Premises and equipment expense	$150,000	7,796
Additional noninterest expense	$824,000	4,622
Pre-tax net operating income	$827,000	6,423
Securities gains (losses)	$0	3,944
Applicable income taxes	$236,000	6,417
Income before extraordinary items	$591,000	6,424
Extraordinary gains, net	$0	44
Net income	$591,000	6,424
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,643
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$591,000	6,372
1996-12-31 (YTD Data)		Rank
Total interest income	$6,340,000	4,972
Total interest expense	$3,756,000	3,931
Net interest income	$2,584,000	6,062
Provision for loan and lease losses	$0	9,041
Total noninterest income	$92,000	10,047
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	8,218
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	10,411
Total noninterest expense	$2,299,000	5,343
Salaries and employee benefits	$874,000	6,590
Premises and equipment expense	$129,000	8,550
Additional noninterest expense	$1,296,000	3,541
Pre-tax net operating income	$377,000	8,647
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$54,000	9,620
Income before extraordinary items	$324,000	8,222
Extraordinary gains, net	$0	53
Net income	$324,000	8,221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-50,000	11,037
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$323,140	8,167
1995-12-31 (YTD Data)		Rank
Total interest income	$6,103,000	5,129
Total interest expense	$3,641,000	4,011
Net interest income	$2,462,000	6,374
Provision for loan and lease losses	$0	8,958
Total noninterest income	$101,000	10,249
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	8,522
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	10,398
Total noninterest expense	$1,842,000	6,363
Salaries and employee benefits	$818,000	7,002
Premises and equipment expense	$126,000	8,898
Additional noninterest expense	$898,000	4,781
Pre-tax net operating income	$721,000	7,216
Securities gains (losses)	$-46,000	11,123
Applicable income taxes	$150,000	8,259
Income before extraordinary items	$525,000	7,069
Extraordinary gains, net	$0	65
Net income	$525,000	7,068
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,530
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$560,880	6,822
1994-12-31 (YTD Data)		Rank
Total interest income	$5,855,000	4,977
Total interest expense	$2,999,000	3,964
Net interest income	$2,856,000	5,819
Provision for loan and lease losses	$418,000	1,773
Total noninterest income	$97,000	10,821
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	8,774
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	11,420
Total noninterest expense	$1,744,000	6,853
Salaries and employee benefits	$850,000	6,926
Premises and equipment expense	$123,000	9,301
Additional noninterest expense	$771,000	5,875
Pre-tax net operating income	$791,000	6,916
Securities gains (losses)	$0	3,600
Applicable income taxes	$323,000	5,597
Income before extraordinary items	$468,000	7,553
Extraordinary gains, net	$0	249
Net income	$468,000	7,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$136,000	3,153
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$468,000	7,595
1993-12-31 (YTD Data)		Rank
Total interest income	$5,850,000	5,061
Total interest expense	$2,903,000	4,239
Net interest income	$2,947,000	5,734
Provision for loan and lease losses	$0	10,371
Total noninterest income	$208,000	9,078
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$208,000	5,546
Total noninterest expense	$1,624,000	7,427
Salaries and employee benefits	$893,000	6,757
Premises and equipment expense	$250,000	6,673
Additional noninterest expense	$481,000	8,418
Pre-tax net operating income	$1,531,000	4,240
Securities gains (losses)	$-7,000	12,665
Applicable income taxes	$575,000	3,726
Income before extraordinary items	$949,000	4,887
Extraordinary gains, net	$53,000	2,118
Net income	$1,002,000	4,837
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$953,480	4,639
1992-12-31 (YTD Data)		Rank
Total interest income	$6,223,000	5,323
Total interest expense	$3,437,000	4,610
Net interest income	$2,786,000	6,069
Provision for loan and lease losses	$74,000	8,124
Total noninterest income	$183,000	9,757
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$183,000	5,968
Total noninterest expense	$1,506,000	7,887
Salaries and employee benefits	$815,000	7,173
Premises and equipment expense	$254,000	6,707
Additional noninterest expense	$437,000	9,122
Pre-tax net operating income	$1,389,000	4,343
Securities gains (losses)	$46,000	4,268
Applicable income taxes	$546,000	3,714
Income before extraordinary items	$889,000	4,979
Extraordinary gains, net	$-4,000	13,461
Net income	$885,000	5,039
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$859,560	4,780

* 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.