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Heartland Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$14,094,000	2,377
Total interest expense	$4,321,000	2,193
Net interest income	$9,773,000	2,420
Provision for loan and lease losses	$286,000	1,721
Total noninterest income	$896,000	2,864
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$545,000	1,554
Trading account gains and fees	NA	NA
Additional Noninterest Income	$351,000	3,292
Total noninterest expense	$5,955,000	2,794
Salaries and employee benefits	$3,838,000	2,583
Premises and equipment expense	$613,000	2,673
Additional noninterest expense	$351,000	3,292
Pre-tax net operating income	$4,428,000	2,063
Securities gains (losses)	$-521,000	4,198
Applicable income taxes	$172,000	2,522
Income before extraordinary items	$3,735,000	2,069
Extraordinary gains, net	$0	54
Net income	$3,735,000	2,094
Minority interest net income	$0	88
Net income of bank and minority interests.	$3,735,000	2,072
Net charge-offs	$11,000	2,397
Cash dividends	$1,630,000	1,712
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$4,235,160	1,955
2023-09-30 (YTD Data)		Rank
Total interest income	$10,275,000	2,385
Total interest expense	$2,969,000	2,177
Net interest income	$7,306,000	2,434
Provision for loan and lease losses	$252,000	1,472
Total noninterest income	$669,000	2,861
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$403,000	1,570
Trading account gains and fees	NA	NA
Additional Noninterest Income	$266,000	3,284
Total noninterest expense	$4,430,000	2,802
Salaries and employee benefits	$2,906,000	2,560
Premises and equipment expense	$457,000	2,687
Additional noninterest expense	$266,000	3,283
Pre-tax net operating income	$3,293,000	2,125
Securities gains (losses)	$22,000	431
Applicable income taxes	$145,000	2,508
Income before extraordinary items	$3,170,000	1,991
Extraordinary gains, net	$0	52
Net income	$3,170,000	2,010
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,170,000	1,991
Net charge-offs	$8,000	2,199
Cash dividends	$1,222,000	1,527
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$3,148,880	2,019
2023-06-30 (YTD Data)		Rank
Total interest income	$6,621,000	2,401
Total interest expense	$1,749,000	2,171
Net interest income	$4,872,000	2,460
Provision for loan and lease losses	$158,000	1,486
Total noninterest income	$425,000	2,888
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$248,000	1,641
Trading account gains and fees	NA	NA
Additional Noninterest Income	$177,000	3,278
Total noninterest expense	$2,821,000	2,861
Salaries and employee benefits	$1,892,000	2,594
Premises and equipment expense	$305,000	2,686
Additional noninterest expense	$177,000	3,269
Pre-tax net operating income	$2,318,000	2,060
Securities gains (losses)	$16,000	492
Applicable income taxes	$93,000	2,579
Income before extraordinary items	$2,241,000	1,909
Extraordinary gains, net	$0	51
Net income	$2,241,000	1,933
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,241,000	1,909
Net charge-offs	$1,000	2,309
Cash dividends	$815,000	1,549
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,225,640	1,925
2023-03-31 (YTD Data)		Rank
Total interest income	$3,161,000	2,453
Total interest expense	$684,000	2,263
Net interest income	$2,477,000	2,443
Provision for loan and lease losses	$32,000	1,892
Total noninterest income	$197,000	2,964
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$111,000	1,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	3,293
Total noninterest expense	$1,393,000	2,911
Salaries and employee benefits	$939,000	2,636
Premises and equipment expense	$156,000	2,686
Additional noninterest expense	$86,000	3,293
Pre-tax net operating income	$1,249,000	2,016
Securities gains (losses)	$10,000	588
Applicable income taxes	$36,000	2,713
Income before extraordinary items	$1,223,000	1,827
Extraordinary gains, net	$0	4
Net income	$1,223,000	1,827
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,223,000	1,827
Net charge-offs	$1,000	1,904
Cash dividends	$150,000	1,921
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,213,300	1,858
2022-12-31 (YTD Data)		Rank
Total interest income	$10,224,000	2,486
Total interest expense	$948,000	2,484
Net interest income	$9,276,000	2,466
Provision for loan and lease losses	$246,000	1,670
Total noninterest income	$822,000	3,026
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$477,000	1,738
Trading account gains and fees	NA	NA
Additional Noninterest Income	$345,000	3,404
Total noninterest expense	$5,720,000	2,820
Salaries and employee benefits	$3,664,000	2,639
Premises and equipment expense	$650,000	2,603
Additional noninterest expense	$345,000	3,404
Pre-tax net operating income	$4,132,000	2,263
Securities gains (losses)	$-51,000	3,759
Applicable income taxes	$208,000	2,617
Income before extraordinary items	$3,873,000	2,147
Extraordinary gains, net	$0	5
Net income	$3,873,000	2,146
Minority interest net income	$0	63
Net income of bank and minority interests.	$3,873,000	2,146
Net charge-offs	$3,000	2,416
Cash dividends	$2,050,000	1,460
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$3,921,450	2,163
2022-09-30 (YTD Data)		Rank
Total interest income	$7,218,000	2,525
Total interest expense	$456,000	2,778
Net interest income	$6,762,000	2,487
Provision for loan and lease losses	$93,000	1,919
Total noninterest income	$590,000	3,116
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$347,000	1,779
Trading account gains and fees	NA	NA
Additional Noninterest Income	$243,000	3,483
Total noninterest expense	$4,120,000	2,882
Salaries and employee benefits	$2,727,000	2,644
Premises and equipment expense	$391,000	2,944
Additional noninterest expense	$243,000	3,483
Pre-tax net operating income	$3,139,000	2,236
Securities gains (losses)	$13,000	399
Applicable income taxes	$160,000	2,618
Income before extraordinary items	$2,992,000	2,090
Extraordinary gains, net	$0	4
Net income	$2,992,000	2,089
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,992,000	2,089
Net charge-offs	$2,000	2,177
Cash dividends	$1,537,000	1,318
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,979,650	2,123
2022-06-30 (YTD Data)		Rank
Total interest income	$4,514,000	2,578
Total interest expense	$197,000	3,221
Net interest income	$4,317,000	2,520
Provision for loan and lease losses	$0	2,599
Total noninterest income	$370,000	3,177
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$207,000	1,924
Trading account gains and fees	NA	NA
Additional Noninterest Income	$163,000	3,514
Total noninterest expense	$2,697,000	2,902
Salaries and employee benefits	$1,788,000	2,675
Premises and equipment expense	$239,000	3,072
Additional noninterest expense	$670,000	3,255
Pre-tax net operating income	$1,990,000	2,202
Securities gains (losses)	$-14,000	4,028
Applicable income taxes	$100,000	2,569
Income before extraordinary items	$1,876,000	2,065
Extraordinary gains, net	$0	4
Net income	$1,876,000	2,066
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,876,000	2,065
Net charge-offs	$1,000	2,041
Cash dividends	$1,025,000	1,308
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,889,300	2,096
2022-03-31 (YTD Data)		Rank
Total interest income	$2,118,000	2,625
Total interest expense	$77,000	3,483
Net interest income	$2,041,000	2,561
Provision for loan and lease losses	$0	2,285
Total noninterest income	$177,000	3,180
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$94,000	2,017
Trading account gains and fees	NA	NA
Additional Noninterest Income	$83,000	3,458
Total noninterest expense	$1,328,000	2,920
Salaries and employee benefits	$879,000	2,689
Premises and equipment expense	$101,000	3,333
Additional noninterest expense	$348,000	3,195
Pre-tax net operating income	$890,000	2,258
Securities gains (losses)	$-7,000	4,205
Applicable income taxes	$45,000	2,561
Income before extraordinary items	$838,000	2,133
Extraordinary gains, net	$0	4
Net income	$838,000	2,133
Minority interest net income	$0	50
Net income of bank and minority interests.	$838,000	2,133
Net charge-offs	$0	1,838
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$844,650	2,143
2021-12-31 (YTD Data)		Rank
Total interest income	$9,480,000	2,537
Total interest expense	$434,000	3,351
Net interest income	$9,046,000	2,461
Provision for loan and lease losses	$460,000	1,117
Total noninterest income	$653,000	3,397
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$359,000	1,994
Trading account gains and fees	NA	NA
Additional Noninterest Income	$294,000	3,737
Total noninterest expense	$5,000,000	3,019
Salaries and employee benefits	$3,353,000	2,777
Premises and equipment expense	$406,000	3,329
Additional noninterest expense	$1,241,000	3,394
Pre-tax net operating income	$4,239,000	2,259
Securities gains (losses)	$115,000	803
Applicable income taxes	$221,000	2,653
Income before extraordinary items	$4,133,000	2,110
Extraordinary gains, net	$0	10
Net income	$4,133,000	2,111
Minority interest net income	$0	74
Net income of bank and minority interests.	$4,133,000	2,111
Net charge-offs	$32,000	1,884
Cash dividends	$3,054,000	1,151
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$4,023,750	2,122
2021-09-30 (YTD Data)		Rank
Total interest income	$7,154,000	2,574
Total interest expense	$349,000	3,360
Net interest income	$6,805,000	2,496
Provision for loan and lease losses	$289,000	1,197
Total noninterest income	$463,000	3,508
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$254,000	2,056
Trading account gains and fees	NA	NA
Additional Noninterest Income	$209,000	3,810
Total noninterest expense	$3,574,000	3,113
Salaries and employee benefits	$2,409,000	2,846
Premises and equipment expense	$299,000	3,406
Additional noninterest expense	$866,000	3,520
Pre-tax net operating income	$3,405,000	2,271
Securities gains (losses)	$64,000	964
Applicable income taxes	$184,000	2,632
Income before extraordinary items	$3,285,000	2,130
Extraordinary gains, net	$0	8
Net income	$3,285,000	2,131
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,285,000	2,131
Net charge-offs	$2,000	2,301
Cash dividends	$2,261,000	1,069
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$3,224,200	2,130
2021-06-30 (YTD Data)		Rank
Total interest income	$4,548,000	2,665
Total interest expense	$249,000	3,355
Net interest income	$4,299,000	2,585
Provision for loan and lease losses	$98,000	1,726
Total noninterest income	$290,000	3,554
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$154,000	2,110
Trading account gains and fees	NA	NA
Additional Noninterest Income	$136,000	3,842
Total noninterest expense	$2,356,000	3,118
Salaries and employee benefits	$1,588,000	2,855
Premises and equipment expense	$197,000	3,419
Additional noninterest expense	$571,000	3,532
Pre-tax net operating income	$2,135,000	2,300
Securities gains (losses)	$58,000	834
Applicable income taxes	$113,000	2,669
Income before extraordinary items	$2,080,000	2,172
Extraordinary gains, net	$0	6
Net income	$2,080,000	2,171
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,080,000	2,172
Net charge-offs	$0	2,245
Cash dividends	$1,719,000	964
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,024,900	2,183
2021-03-31 (YTD Data)		Rank
Total interest income	$2,057,000	2,819
Total interest expense	$132,000	3,344
Net interest income	$1,925,000	2,728
Provision for loan and lease losses	$57,000	1,684
Total noninterest income	$132,000	3,639
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$69,000	2,231
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	3,864
Total noninterest expense	$1,095,000	3,236
Salaries and employee benefits	$734,000	2,963
Premises and equipment expense	$101,000	3,391
Additional noninterest expense	$260,000	3,649
Pre-tax net operating income	$905,000	2,510
Securities gains (losses)	$60,000	603
Applicable income taxes	$52,000	2,679
Income before extraordinary items	$913,000	2,344
Extraordinary gains, net	$0	3
Net income	$913,000	2,342
Minority interest net income	$0	55
Net income of bank and minority interests.	$913,000	2,344
Net charge-offs	$0	1,930
Cash dividends	$534,000	1,135
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$856,000	2,375
2020-12-31 (YTD Data)		Rank
Total interest income	$8,692,000	2,743
Total interest expense	$943,000	3,027
Net interest income	$7,749,000	2,657
Provision for loan and lease losses	$275,000	2,769
Total noninterest income	$585,000	3,454
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$336,000	2,104
Trading account gains and fees	NA	NA
Additional Noninterest Income	$249,000	3,785
Total noninterest expense	$4,370,000	3,237
Salaries and employee benefits	$2,879,000	3,011
Premises and equipment expense	$407,000	3,375
Additional noninterest expense	$1,084,000	3,590
Pre-tax net operating income	$3,689,000	2,157
Securities gains (losses)	$3,000	2,512
Applicable income taxes	$187,000	2,606
Income before extraordinary items	$3,505,000	2,090
Extraordinary gains, net	$0	4
Net income	$3,505,000	2,090
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,505,000	2,090
Net charge-offs	$-33,000	4,502
Cash dividends	$2,140,000	1,440
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$3,502,150	2,042
2020-09-30 (YTD Data)		Rank
Total interest income	$6,667,000	2,714
Total interest expense	$786,000	2,961
Net interest income	$5,881,000	2,651
Provision for loan and lease losses	$224,000	2,682
Total noninterest income	$422,000	3,493
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$253,000	2,094
Trading account gains and fees	NA	NA
Additional Noninterest Income	$169,000	3,849
Total noninterest expense	$3,255,000	3,238
Salaries and employee benefits	$2,146,000	2,998
Premises and equipment expense	$308,000	3,366
Additional noninterest expense	$801,000	3,593
Pre-tax net operating income	$2,824,000	2,120
Securities gains (losses)	$-9,000	4,770
Applicable income taxes	$145,000	2,576
Income before extraordinary items	$2,670,000	2,056
Extraordinary gains, net	$0	4
Net income	$2,670,000	2,057
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,670,000	2,057
Net charge-offs	$-73,000	4,752
Cash dividends	$1,230,000	1,499
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,678,550	1,997
2020-06-30 (YTD Data)		Rank
Total interest income	$4,513,000	2,725
Total interest expense	$576,000	2,930
Net interest income	$3,937,000	2,660
Provision for loan and lease losses	$178,000	2,528
Total noninterest income	$274,000	3,497
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$169,000	2,121
Trading account gains and fees	NA	NA
Additional Noninterest Income	$105,000	3,888
Total noninterest expense	$2,122,000	3,267
Salaries and employee benefits	$1,415,000	3,025
Premises and equipment expense	$203,000	3,382
Additional noninterest expense	$504,000	3,690
Pre-tax net operating income	$1,911,000	2,065
Securities gains (losses)	$-10,000	4,791
Applicable income taxes	$103,000	2,507
Income before extraordinary items	$1,798,000	1,983
Extraordinary gains, net	$0	4
Net income	$1,798,000	1,984
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,798,000	1,984
Net charge-offs	$-87,000	4,866
Cash dividends	$820,000	1,505
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,807,500	1,935
2020-03-31 (YTD Data)		Rank
Total interest income	$2,054,000	2,887
Total interest expense	$326,000	2,895
Net interest income	$1,728,000	2,827
Provision for loan and lease losses	$0	3,711
Total noninterest income	$154,000	3,352
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$104,000	2,084
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	3,848
Total noninterest expense	$1,056,000	3,311
Salaries and employee benefits	$698,000	3,067
Premises and equipment expense	$105,000	3,343
Additional noninterest expense	$253,000	3,733
Pre-tax net operating income	$826,000	2,116
Securities gains (losses)	$-14,000	4,843
Applicable income taxes	$41,000	2,525
Income before extraordinary items	$771,000	2,032
Extraordinary gains, net	$0	4
Net income	$771,000	2,031
Minority interest net income	$0	56
Net income of bank and minority interests.	$771,000	2,032
Net charge-offs	$-4,000	4,126
Cash dividends	$410,000	1,426
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$784,300	1,979
2019-12-31 (YTD Data)		Rank
Total interest income	$8,174,000	2,926
Total interest expense	$1,500,000	2,743
Net interest income	$6,674,000	2,923
Provision for loan and lease losses	$0	3,973
Total noninterest income	$589,000	3,478
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$374,000	2,300
Trading account gains and fees	NA	NA
Additional Noninterest Income	$215,000	3,884
Total noninterest expense	$3,920,000	3,454
Salaries and employee benefits	$2,621,000	3,155
Premises and equipment expense	$383,000	3,543
Additional noninterest expense	$916,000	3,910
Pre-tax net operating income	$3,343,000	2,307
Securities gains (losses)	$173,000	687
Applicable income taxes	$179,000	2,706
Income before extraordinary items	$3,337,000	2,146
Extraordinary gains, net	$0	11
Net income	$3,337,000	2,148
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,337,000	2,148
Net charge-offs	$-66,000	4,825
Cash dividends	$1,785,000	1,706
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,172,650	2,175
2019-09-30 (YTD Data)		Rank
Total interest income	$6,107,000	2,965
Total interest expense	$1,128,000	2,761
Net interest income	$4,979,000	2,967
Provision for loan and lease losses	$0	3,836
Total noninterest income	$422,000	3,553
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$270,000	2,372
Trading account gains and fees	NA	NA
Additional Noninterest Income	$152,000	3,967
Total noninterest expense	$2,898,000	3,498
Salaries and employee benefits	$1,911,000	3,222
Premises and equipment expense	$311,000	3,430
Additional noninterest expense	$676,000	3,966
Pre-tax net operating income	$2,503,000	2,360
Securities gains (losses)	$153,000	615
Applicable income taxes	$135,000	2,765
Income before extraordinary items	$2,521,000	2,189
Extraordinary gains, net	$0	11
Net income	$2,521,000	2,189
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,521,000	2,190
Net charge-offs	$-155,000	5,044
Cash dividends	$1,379,000	1,515
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,375,650	2,232
2019-06-30 (YTD Data)		Rank
Total interest income	$4,056,000	2,982
Total interest expense	$735,000	2,782
Net interest income	$3,321,000	2,980
Provision for loan and lease losses	$0	3,685
Total noninterest income	$264,000	3,612
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$165,000	2,473
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	3,996
Total noninterest expense	$1,936,000	3,526
Salaries and employee benefits	$1,259,000	3,252
Premises and equipment expense	$226,000	3,303
Additional noninterest expense	$451,000	4,009
Pre-tax net operating income	$1,649,000	2,352
Securities gains (losses)	$-6,000	4,859
Applicable income taxes	$83,000	2,806
Income before extraordinary items	$1,560,000	2,280
Extraordinary gains, net	$0	11
Net income	$1,560,000	2,280
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,560,000	2,280
Net charge-offs	$-156,000	5,131
Cash dividends	$970,000	1,483
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,565,700	2,238
2019-03-31 (YTD Data)		Rank
Total interest income	$1,910,000	3,096
Total interest expense	$348,000	2,825
Net interest income	$1,562,000	3,107
Provision for loan and lease losses	$0	3,406
Total noninterest income	$127,000	3,655
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$79,000	2,540
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	4,013
Total noninterest expense	$962,000	3,569
Salaries and employee benefits	$631,000	3,292
Premises and equipment expense	$109,000	3,405
Additional noninterest expense	$222,000	4,039
Pre-tax net operating income	$727,000	2,522
Securities gains (losses)	$0	1,087
Applicable income taxes	$37,000	2,847
Income before extraordinary items	$690,000	2,384
Extraordinary gains, net	$0	5
Net income	$690,000	2,383
Minority interest net income	$0	52
Net income of bank and minority interests.	$690,000	2,383
Net charge-offs	$2,000	2,456
Cash dividends	$150,000	2,193
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$690,000	2,372
2018-12-31 (YTD Data)		Rank
Total interest income	$7,308,000	3,094
Total interest expense	$1,104,000	2,784
Net interest income	$6,204,000	3,101
Provision for loan and lease losses	$133,000	2,764
Total noninterest income	$620,000	3,523
Gross Fiduciary activities income	$5,000	991
Service charges on deposit accounts	$396,000	2,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$219,000	4,004
Total noninterest expense	$3,706,000	3,630
Salaries and employee benefits	$2,442,000	3,318
Premises and equipment expense	$408,000	3,490
Additional noninterest expense	$856,000	4,119
Pre-tax net operating income	$2,985,000	2,510
Securities gains (losses)	$79,000	351
Applicable income taxes	$161,000	2,802
Income before extraordinary items	$2,903,000	2,363
Extraordinary gains, net	$0	6
Net income	$2,903,000	2,362
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,903,000	2,362
Net charge-offs	$-166,000	5,140
Cash dividends	$1,380,000	1,848
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,827,950	2,399
2018-09-30 (YTD Data)		Rank
Total interest income	$5,354,000	3,145
Total interest expense	$756,000	2,844
Net interest income	$4,598,000	3,146
Provision for loan and lease losses	$133,000	2,389
Total noninterest income	$447,000	3,581
Gross Fiduciary activities income	$4,000	966
Service charges on deposit accounts	$297,000	2,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$146,000	4,133
Total noninterest expense	$2,757,000	3,662
Salaries and employee benefits	$1,804,000	3,340
Premises and equipment expense	$306,000	3,533
Additional noninterest expense	$647,000	4,141
Pre-tax net operating income	$2,155,000	2,610
Securities gains (losses)	$68,000	367
Applicable income taxes	$109,000	2,950
Income before extraordinary items	$2,114,000	2,421
Extraordinary gains, net	$0	5
Net income	$2,114,000	2,420
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,114,000	2,420
Net charge-offs	$40,000	2,342
Cash dividends	$1,035,000	1,633
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,049,400	2,471
2018-06-30 (YTD Data)		Rank
Total interest income	$3,495,000	3,167
Total interest expense	$463,000	2,904
Net interest income	$3,032,000	3,171
Provision for loan and lease losses	$105,000	2,147
Total noninterest income	$292,000	3,624
Gross Fiduciary activities income	$3,000	959
Service charges on deposit accounts	$191,000	2,359
Trading account gains and fees	NA	NA
Additional Noninterest Income	$98,000	4,150
Total noninterest expense	$1,823,000	3,694
Salaries and employee benefits	$1,183,000	3,397
Premises and equipment expense	$205,000	3,551
Additional noninterest expense	$435,000	4,169
Pre-tax net operating income	$1,396,000	2,635
Securities gains (losses)	$27,000	428
Applicable income taxes	$73,000	2,920
Income before extraordinary items	$1,350,000	2,470
Extraordinary gains, net	$0	6
Net income	$1,350,000	2,469
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,350,000	2,469
Net charge-offs	$33,000	1,990
Cash dividends	$690,000	1,658
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,324,350	2,510
2018-03-31 (YTD Data)		Rank
Total interest income	$1,713,000	3,200
Total interest expense	$211,000	3,002
Net interest income	$1,502,000	3,211
Provision for loan and lease losses	$84,000	1,627
Total noninterest income	$140,000	3,674
Gross Fiduciary activities income	$3,000	913
Service charges on deposit accounts	$87,000	2,531
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	4,159
Total noninterest expense	$895,000	3,764
Salaries and employee benefits	$588,000	3,445
Premises and equipment expense	$102,000	3,611
Additional noninterest expense	$205,000	4,288
Pre-tax net operating income	$663,000	2,668
Securities gains (losses)	$28,000	290
Applicable income taxes	$39,000	2,860
Income before extraordinary items	$652,000	2,480
Extraordinary gains, net	$0	7
Net income	$652,000	2,480
Minority interest net income	$0	52
Net income of bank and minority interests.	$652,000	2,480
Net charge-offs	$30,000	1,451
Cash dividends	$150,000	2,088
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$625,680	2,544
2017-12-31 (YTD Data)		Rank
Total interest income	$6,517,000	3,253
Total interest expense	$713,000	3,108
Net interest income	$5,804,000	3,246
Provision for loan and lease losses	$465,000	1,519
Total noninterest income	$637,000	3,606
Gross Fiduciary activities income	$3,000	1,058
Service charges on deposit accounts	$411,000	2,350
Trading account gains and fees	NA	NA
Additional Noninterest Income	$223,000	4,098
Total noninterest expense	$3,451,000	3,843
Salaries and employee benefits	$2,302,000	3,478
Premises and equipment expense	$329,000	4,015
Additional noninterest expense	$820,000	4,347
Pre-tax net operating income	$2,525,000	2,741
Securities gains (losses)	$156,000	471
Applicable income taxes	$136,000	3,154
Income before extraordinary items	$2,545,000	2,308
Extraordinary gains, net	$0	9
Net income	$2,545,000	2,308
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,545,000	2,308
Net charge-offs	$423,000	1,205
Cash dividends	$2,280,000	1,281
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,396,800	2,372
2017-09-30 (YTD Data)		Rank
Total interest income	$4,798,000	3,306
Total interest expense	$506,000	3,196
Net interest income	$4,292,000	3,291
Provision for loan and lease losses	$70,000	3,009
Total noninterest income	$473,000	3,647
Gross Fiduciary activities income	$3,000	1,012
Service charges on deposit accounts	$307,000	2,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$163,000	4,190
Total noninterest expense	$2,516,000	3,929
Salaries and employee benefits	$1,705,000	3,518
Premises and equipment expense	$210,000	4,306
Additional noninterest expense	$601,000	4,402
Pre-tax net operating income	$2,179,000	2,582
Securities gains (losses)	$150,000	448
Applicable income taxes	$118,000	3,076
Income before extraordinary items	$2,211,000	2,222
Extraordinary gains, net	$0	9
Net income	$2,211,000	2,222
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,211,000	2,222
Net charge-offs	$3,000	3,568
Cash dividends	$1,710,000	1,192
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,068,500	2,326
2017-06-30 (YTD Data)		Rank
Total interest income	$3,126,000	3,345
Total interest expense	$309,000	3,316
Net interest income	$2,817,000	3,323
Provision for loan and lease losses	$48,000	2,913
Total noninterest income	$299,000	3,728
Gross Fiduciary activities income	$5,000	966
Service charges on deposit accounts	$197,000	2,419
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	4,293
Total noninterest expense	$1,636,000	3,989
Salaries and employee benefits	$1,129,000	3,550
Premises and equipment expense	$129,000	4,444
Additional noninterest expense	$378,000	4,523
Pre-tax net operating income	$1,432,000	2,568
Securities gains (losses)	$0	1,906
Applicable income taxes	$73,000	3,115
Income before extraordinary items	$1,359,000	2,330
Extraordinary gains, net	$0	11
Net income	$1,359,000	2,331
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,359,000	2,331
Net charge-offs	$2,000	3,300
Cash dividends	$1,140,000	1,193
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,359,000	2,294
2017-03-31 (YTD Data)		Rank
Total interest income	$1,497,000	3,432
Total interest expense	$136,000	3,520
Net interest income	$1,361,000	3,390
Provision for loan and lease losses	$25,000	2,651
Total noninterest income	$139,000	3,845
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$90,000	2,566
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	4,306
Total noninterest expense	$807,000	4,062
Salaries and employee benefits	$565,000	3,595
Premises and equipment expense	$60,000	4,591
Additional noninterest expense	$182,000	4,628
Pre-tax net operating income	$668,000	2,612
Securities gains (losses)	$0	1,153
Applicable income taxes	$35,000	3,088
Income before extraordinary items	$633,000	2,353
Extraordinary gains, net	$0	8
Net income	$633,000	2,352
Minority interest net income	$0	55
Net income of bank and minority interests.	$633,000	2,353
Net charge-offs	$0	2,943
Cash dividends	$445,000	1,322
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$633,000	2,329
2016-12-31 (YTD Data)		Rank
Total interest income	$5,966,000	3,439
Total interest expense	$471,000	3,752
Net interest income	$5,495,000	3,367
Provision for loan and lease losses	$117,000	2,997
Total noninterest income	$572,000	3,886
Gross Fiduciary activities income	$2,000	1,113
Service charges on deposit accounts	$415,000	2,399
Trading account gains and fees	$0	170
Additional Noninterest Income	$155,000	4,619
Total noninterest expense	$3,306,000	4,034
Salaries and employee benefits	$2,221,000	3,620
Premises and equipment expense	$249,000	4,609
Additional noninterest expense	$836,000	4,494
Pre-tax net operating income	$2,644,000	2,591
Securities gains (losses)	$15,000	2,508
Applicable income taxes	$134,000	3,160
Income before extraordinary items	$2,525,000	2,392
Extraordinary gains, net	$0	5
Net income	$2,525,000	2,390
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,525,000	2,392
Net charge-offs	$29,000	3,469
Cash dividends	$2,320,000	1,255
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,510,750	2,347
2016-09-30 (YTD Data)		Rank
Total interest income	$4,413,000	3,488
Total interest expense	$340,000	3,844
Net interest income	$4,073,000	3,405
Provision for loan and lease losses	$117,000	2,593
Total noninterest income	$440,000	3,887
Gross Fiduciary activities income	$2,000	1,060
Service charges on deposit accounts	$307,000	2,427
Trading account gains and fees	$0	169
Additional Noninterest Income	$131,000	4,556
Total noninterest expense	$2,463,000	4,058
Salaries and employee benefits	$1,661,000	3,628
Premises and equipment expense	$184,000	4,663
Additional noninterest expense	$618,000	4,535
Pre-tax net operating income	$1,933,000	2,680
Securities gains (losses)	$15,000	2,436
Applicable income taxes	$100,000	3,224
Income before extraordinary items	$1,848,000	2,472
Extraordinary gains, net	$0	5
Net income	$1,848,000	2,473
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,848,000	2,473
Net charge-offs	$20,000	3,152
Cash dividends	$1,740,000	1,168
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,833,750	2,430
2016-06-30 (YTD Data)		Rank
Total interest income	$2,918,000	3,529
Total interest expense	$218,000	3,915
Net interest income	$2,700,000	3,433
Provision for loan and lease losses	$75,000	2,531
Total noninterest income	$284,000	3,924
Gross Fiduciary activities income	$2,000	1,041
Service charges on deposit accounts	$192,000	2,501
Trading account gains and fees	$0	157
Additional Noninterest Income	$90,000	4,535
Total noninterest expense	$1,621,000	4,120
Salaries and employee benefits	$1,103,000	3,673
Premises and equipment expense	$116,000	4,765
Additional noninterest expense	$402,000	4,615
Pre-tax net operating income	$1,288,000	2,642
Securities gains (losses)	$15,000	2,089
Applicable income taxes	$67,000	3,229
Income before extraordinary items	$1,236,000	2,449
Extraordinary gains, net	$0	16
Net income	$1,236,000	2,448
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,236,000	2,448
Net charge-offs	$8,000	3,171
Cash dividends	$1,160,000	1,177
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,221,750	2,404
2016-03-31 (YTD Data)		Rank
Total interest income	$1,464,000	3,518
Total interest expense	$106,000	3,985
Net interest income	$1,358,000	3,431
Provision for loan and lease losses	$38,000	2,399
Total noninterest income	$134,000	3,993
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$93,000	2,537
Trading account gains and fees	$0	142
Additional Noninterest Income	$41,000	4,611
Total noninterest expense	$789,000	4,211
Salaries and employee benefits	$548,000	3,715
Premises and equipment expense	$56,000	4,851
Additional noninterest expense	$185,000	4,802
Pre-tax net operating income	$665,000	2,560
Securities gains (losses)	$0	2,077
Applicable income taxes	$35,000	3,188
Income before extraordinary items	$630,000	2,375
Extraordinary gains, net	$0	12
Net income	$630,000	2,375
Minority interest net income	$0	62
Net income of bank and minority interests.	$630,000	2,375
Net charge-offs	$1,000	2,929
Cash dividends	$375,000	1,431
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$630,000	2,322
2015-12-31 (YTD Data)		Rank
Total interest income	$5,710,000	3,554
Total interest expense	$399,000	4,143
Net interest income	$5,311,000	3,447
Provision for loan and lease losses	$234,000	2,185
Total noninterest income	$628,000	3,823
Gross Fiduciary activities income	$1,000	1,155
Service charges on deposit accounts	$436,000	2,361
Trading account gains and fees	$0	159
Additional Noninterest Income	$191,000	4,514
Total noninterest expense	$3,120,000	4,250
Salaries and employee benefits	$2,155,000	3,746
Premises and equipment expense	$231,000	4,886
Additional noninterest expense	$734,000	4,871
Pre-tax net operating income	$2,585,000	2,568
Securities gains (losses)	$37,000	1,858
Applicable income taxes	$132,000	3,190
Income before extraordinary items	$2,490,000	2,349
Extraordinary gains, net	$0	23
Net income	$2,490,000	2,350
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,490,000	2,351
Net charge-offs	$175,000	2,112
Cash dividends	$1,365,000	1,749
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,454,850	2,333
2015-09-30 (YTD Data)		Rank
Total interest income	$4,277,000	3,587
Total interest expense	$298,000	4,212
Net interest income	$3,979,000	3,486
Provision for loan and lease losses	$184,000	2,035
Total noninterest income	$445,000	3,927
Gross Fiduciary activities income	$1,000	1,117
Service charges on deposit accounts	$315,000	2,439
Trading account gains and fees	$0	153
Additional Noninterest Income	$129,000	4,650
Total noninterest expense	$2,315,000	4,294
Salaries and employee benefits	$1,607,000	3,770
Premises and equipment expense	$168,000	4,975
Additional noninterest expense	$540,000	4,930
Pre-tax net operating income	$1,925,000	2,634
Securities gains (losses)	$37,000	1,670
Applicable income taxes	$102,000	3,262
Income before extraordinary items	$1,860,000	2,385
Extraordinary gains, net	$0	21
Net income	$1,860,000	2,386
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,860,000	2,386
Net charge-offs	$56,000	2,687
Cash dividends	$1,034,000	1,564
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,824,850	2,383
2015-06-30 (YTD Data)		Rank
Total interest income	$2,842,000	3,611
Total interest expense	$197,000	4,273
Net interest income	$2,645,000	3,498
Provision for loan and lease losses	$118,000	2,092
Total noninterest income	$286,000	4,010
Gross Fiduciary activities income	$1,000	1,108
Service charges on deposit accounts	$199,000	2,503
Trading account gains and fees	$0	157
Additional Noninterest Income	$86,000	4,673
Total noninterest expense	$1,532,000	4,353
Salaries and employee benefits	$1,059,000	3,831
Premises and equipment expense	$109,000	5,070
Additional noninterest expense	$364,000	4,944
Pre-tax net operating income	$1,281,000	2,620
Securities gains (losses)	$37,000	1,408
Applicable income taxes	$71,000	3,241
Income before extraordinary items	$1,247,000	2,376
Extraordinary gains, net	$0	22
Net income	$1,247,000	2,378
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,247,000	2,378
Net charge-offs	$52,000	2,291
Cash dividends	$703,000	1,580
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,211,850	2,366
2015-03-31 (YTD Data)		Rank
Total interest income	$1,410,000	3,642
Total interest expense	$98,000	4,326
Net interest income	$1,312,000	3,527
Provision for loan and lease losses	$31,000	2,448
Total noninterest income	$130,000	4,149
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$93,000	2,605
Trading account gains and fees	$0	152
Additional Noninterest Income	$37,000	4,829
Total noninterest expense	$749,000	4,436
Salaries and employee benefits	$522,000	3,883
Premises and equipment expense	$53,000	5,153
Additional noninterest expense	$174,000	5,058
Pre-tax net operating income	$662,000	2,524
Securities gains (losses)	$-25,000	6,316
Applicable income taxes	$34,000	3,266
Income before extraordinary items	$603,000	2,382
Extraordinary gains, net	$0	13
Net income	$603,000	2,385
Minority interest net income	$0	64
Net income of bank and minority interests.	$603,000	2,384
Net charge-offs	$1,000	3,128
Cash dividends	$125,000	2,171
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$626,750	2,250
2014-12-31 (YTD Data)		Rank
Total interest income	$5,448,000	3,751
Total interest expense	$335,000	4,766
Net interest income	$5,113,000	3,590
Provision for loan and lease losses	$175,000	2,634
Total noninterest income	$572,000	4,072
Gross Fiduciary activities income	$2,000	1,172
Service charges on deposit accounts	$413,000	2,623
Trading account gains and fees	$0	180
Additional Noninterest Income	$157,000	4,816
Total noninterest expense	$3,042,000	4,463
Salaries and employee benefits	$2,053,000	3,933
Premises and equipment expense	$233,000	5,127
Additional noninterest expense	$756,000	5,022
Pre-tax net operating income	$2,468,000	2,613
Securities gains (losses)	$55,000	1,667
Applicable income taxes	$127,000	3,257
Income before extraordinary items	$2,396,000	2,386
Extraordinary gains, net	$0	17
Net income	$2,396,000	2,386
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,396,000	2,386
Net charge-offs	$30,000	4,096
Cash dividends	$1,210,000	1,787
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,343,750	2,375
2014-09-30 (YTD Data)		Rank
Total interest income	$4,040,000	3,815
Total interest expense	$238,000	4,943
Net interest income	$3,802,000	3,638
Provision for loan and lease losses	$175,000	2,247
Total noninterest income	$412,000	4,172
Gross Fiduciary activities income	$2,000	1,121
Service charges on deposit accounts	$304,000	2,686
Trading account gains and fees	$0	174
Additional Noninterest Income	$106,000	4,971
Total noninterest expense	$2,209,000	4,550
Salaries and employee benefits	$1,530,000	3,952
Premises and equipment expense	$190,000	5,017
Additional noninterest expense	$489,000	5,308
Pre-tax net operating income	$1,830,000	2,677
Securities gains (losses)	$55,000	1,394
Applicable income taxes	$96,000	3,308
Income before extraordinary items	$1,789,000	2,405
Extraordinary gains, net	$0	15
Net income	$1,789,000	2,406
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,789,000	2,405
Net charge-offs	$13,000	4,044
Cash dividends	$908,000	1,604
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,736,750	2,421
2014-06-30 (YTD Data)		Rank
Total interest income	$2,644,000	3,866
Total interest expense	$152,000	5,049
Net interest income	$2,492,000	3,676
Provision for loan and lease losses	$162,000	1,825
Total noninterest income	$259,000	4,273
Gross Fiduciary activities income	$2,000	1,095
Service charges on deposit accounts	$187,000	2,826
Trading account gains and fees	$0	172
Additional Noninterest Income	$70,000	4,993
Total noninterest expense	$1,456,000	4,615
Salaries and employee benefits	$1,016,000	3,992
Premises and equipment expense	$125,000	5,097
Additional noninterest expense	$315,000	5,379
Pre-tax net operating income	$1,133,000	2,754
Securities gains (losses)	$0	2,580
Applicable income taxes	$59,000	3,348
Income before extraordinary items	$1,074,000	2,513
Extraordinary gains, net	$0	20
Net income	$1,074,000	2,516
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,074,000	2,517
Net charge-offs	$11,000	3,690
Cash dividends	$605,000	1,605
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,074,000	2,472
2014-03-31 (YTD Data)		Rank
Total interest income	$1,308,000	3,922
Total interest expense	$75,000	5,146
Net interest income	$1,233,000	3,722
Provision for loan and lease losses	$116,000	1,484
Total noninterest income	$123,000	4,313
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$88,000	2,918
Trading account gains and fees	$0	147
Additional Noninterest Income	$35,000	4,979
Total noninterest expense	$728,000	4,648
Salaries and employee benefits	$507,000	4,035
Premises and equipment expense	$63,000	5,143
Additional noninterest expense	$158,000	5,421
Pre-tax net operating income	$512,000	2,843
Securities gains (losses)	$0	1,715
Applicable income taxes	$30,000	3,289
Income before extraordinary items	$482,000	2,647
Extraordinary gains, net	$0	16
Net income	$482,000	2,650
Minority interest net income	$0	66
Net income of bank and minority interests.	$482,000	2,650
Net charge-offs	$1,000	3,492
Cash dividends	$302,000	1,411
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$482,000	2,601
2013-12-31 (YTD Data)		Rank
Total interest income	$5,046,000	4,052
Total interest expense	$393,000	4,939
Net interest income	$4,653,000	3,878
Provision for loan and lease losses	$90,000	3,788
Total noninterest income	$564,000	4,225
Gross Fiduciary activities income	$2,000	1,226
Service charges on deposit accounts	$410,000	2,755
Trading account gains and fees	$0	184
Additional Noninterest Income	$152,000	4,934
Total noninterest expense	$2,843,000	4,726
Salaries and employee benefits	$1,983,000	4,098
Premises and equipment expense	$252,000	5,182
Additional noninterest expense	$608,000	5,559
Pre-tax net operating income	$2,284,000	2,614
Securities gains (losses)	$25,000	2,236
Applicable income taxes	$116,000	3,324
Income before extraordinary items	$2,193,000	2,434
Extraordinary gains, net	$0	29
Net income	$2,193,000	2,438
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,193,000	2,437
Net charge-offs	$5,000	5,225
Cash dividends	$1,285,000	1,622
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,169,250	2,396
2013-09-30 (YTD Data)		Rank
Total interest income	$3,737,000	4,112
Total interest expense	$298,000	5,018
Net interest income	$3,439,000	3,940
Provision for loan and lease losses	$25,000	4,386
Total noninterest income	$400,000	4,385
Gross Fiduciary activities income	$2,000	1,160
Service charges on deposit accounts	$299,000	2,829
Trading account gains and fees	$0	180
Additional Noninterest Income	$99,000	5,193
Total noninterest expense	$2,095,000	4,794
Salaries and employee benefits	$1,454,000	4,157
Premises and equipment expense	$184,000	5,248
Additional noninterest expense	$457,000	5,570
Pre-tax net operating income	$1,719,000	2,688
Securities gains (losses)	$-17,000	6,554
Applicable income taxes	$86,000	3,402
Income before extraordinary items	$1,616,000	2,506
Extraordinary gains, net	$0	25
Net income	$1,616,000	2,511
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,616,000	2,511
Net charge-offs	$4,000	4,962
Cash dividends	$979,000	1,481
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,632,150	2,409
2013-06-30 (YTD Data)		Rank
Total interest income	$2,448,000	4,174
Total interest expense	$201,000	5,052
Net interest income	$2,247,000	3,991
Provision for loan and lease losses	$25,000	4,134
Total noninterest income	$249,000	4,533
Gross Fiduciary activities income	$1,000	1,167
Service charges on deposit accounts	$185,000	2,953
Trading account gains and fees	$0	157
Additional Noninterest Income	$63,000	5,278
Total noninterest expense	$1,396,000	4,815
Salaries and employee benefits	$966,000	4,194
Premises and equipment expense	$122,000	5,275
Additional noninterest expense	$308,000	5,566
Pre-tax net operating income	$1,075,000	2,751
Securities gains (losses)	$-14,000	6,686
Applicable income taxes	$53,000	3,474
Income before extraordinary items	$1,008,000	2,635
Extraordinary gains, net	$0	22
Net income	$1,008,000	2,640
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,008,000	2,640
Net charge-offs	$2,000	4,714
Cash dividends	$672,000	1,435
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,021,300	2,501
2013-03-31 (YTD Data)		Rank
Total interest income	$1,216,000	4,216
Total interest expense	$100,000	5,145
Net interest income	$1,116,000	4,024
Provision for loan and lease losses	$25,000	3,416
Total noninterest income	$122,000	4,522
Gross Fiduciary activities income	$1,000	1,109
Service charges on deposit accounts	$89,000	3,016
Trading account gains and fees	$0	148
Additional Noninterest Income	$32,000	5,248
Total noninterest expense	$695,000	4,874
Salaries and employee benefits	$484,000	4,235
Premises and equipment expense	$61,000	5,302
Additional noninterest expense	$150,000	5,670
Pre-tax net operating income	$518,000	2,805
Securities gains (losses)	$-9,000	6,796
Applicable income taxes	$26,000	3,448
Income before extraordinary items	$483,000	2,657
Extraordinary gains, net	$0	10
Net income	$483,000	2,660
Minority interest net income	$0	76
Net income of bank and minority interests.	$483,000	2,659
Net charge-offs	$2,000	3,902
Cash dividends	$366,000	1,177
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$491,550	2,546
2012-12-31 (YTD Data)		Rank
Total interest income	$4,905,000	4,351
Total interest expense	$499,000	5,121
Net interest income	$4,406,000	4,151
Provision for loan and lease losses	$57,000	5,128
Total noninterest income	$567,000	4,273
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$398,000	2,940
Trading account gains and fees	$0	166
Additional Noninterest Income	$169,000	4,791
Total noninterest expense	$2,731,000	4,952
Salaries and employee benefits	$1,872,000	4,292
Premises and equipment expense	$263,000	5,230
Additional noninterest expense	$596,000	5,807
Pre-tax net operating income	$2,185,000	2,653
Securities gains (losses)	$36,000	2,920
Applicable income taxes	$112,000	3,434
Income before extraordinary items	$2,109,000	2,491
Extraordinary gains, net	$0	29
Net income	$2,109,000	2,492
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,109,000	2,492
Net charge-offs	$3,000	5,835
Cash dividends	$880,000	2,124
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,074,800	2,393
2012-09-30 (YTD Data)		Rank
Total interest income	$3,682,000	4,430
Total interest expense	$386,000	5,186
Net interest income	$3,296,000	4,220
Provision for loan and lease losses	$57,000	4,860
Total noninterest income	$403,000	4,409
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$291,000	3,023
Trading account gains and fees	$0	157
Additional Noninterest Income	$112,000	4,976
Total noninterest expense	$2,022,000	5,031
Salaries and employee benefits	$1,385,000	4,346
Premises and equipment expense	$195,000	5,302
Additional noninterest expense	$442,000	5,897
Pre-tax net operating income	$1,620,000	2,737
Securities gains (losses)	$42,000	2,536
Applicable income taxes	$84,000	3,481
Income before extraordinary items	$1,578,000	2,544
Extraordinary gains, net	$0	20
Net income	$1,578,000	2,545
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,578,000	2,545
Net charge-offs	$4,000	5,545
Cash dividends	$605,000	1,824
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,538,100	2,467
2012-06-30 (YTD Data)		Rank
Total interest income	$2,478,000	4,437
Total interest expense	$264,000	5,236
Net interest income	$2,214,000	4,221
Provision for loan and lease losses	$37,000	4,773
Total noninterest income	$251,000	4,535
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$181,000	3,161
Trading account gains and fees	$0	153
Additional Noninterest Income	$70,000	5,109
Total noninterest expense	$1,353,000	5,061
Salaries and employee benefits	$917,000	4,391
Premises and equipment expense	$130,000	5,331
Additional noninterest expense	$306,000	5,867
Pre-tax net operating income	$1,075,000	2,711
Securities gains (losses)	$42,000	2,162
Applicable income taxes	$56,000	3,474
Income before extraordinary items	$1,061,000	2,508
Extraordinary gains, net	$0	19
Net income	$1,061,000	2,508
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,061,000	2,508
Net charge-offs	$2,000	5,336
Cash dividends	$330,000	2,040
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,021,100	2,447
2012-03-31 (YTD Data)		Rank
Total interest income	$1,244,000	4,473
Total interest expense	$133,000	5,330
Net interest income	$1,111,000	4,233
Provision for loan and lease losses	$10,000	4,833
Total noninterest income	$121,000	4,624
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$85,000	3,261
Trading account gains and fees	$0	148
Additional Noninterest Income	$36,000	5,151
Total noninterest expense	$673,000	5,108
Salaries and employee benefits	$465,000	4,384
Premises and equipment expense	$63,000	5,405
Additional noninterest expense	$145,000	5,982
Pre-tax net operating income	$549,000	2,693
Securities gains (losses)	$-16,000	7,088
Applicable income taxes	$27,000	3,490
Income before extraordinary items	$506,000	2,583
Extraordinary gains, net	$0	19
Net income	$506,000	2,585
Minority interest net income	$0	78
Net income of bank and minority interests.	$506,000	2,586
Net charge-offs	$1,000	4,615
Cash dividends	$125,000	1,908
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$521,200	2,392
2011-12-31 (YTD Data)		Rank
Total interest income	$4,859,000	4,638
Total interest expense	$650,000	5,358
Net interest income	$4,209,000	4,396
Provision for loan and lease losses	$0	6,496
Total noninterest income	$568,000	4,178
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$408,000	2,984
Trading account gains and fees	$0	146
Additional Noninterest Income	$160,000	4,773
Total noninterest expense	$2,776,000	5,089
Salaries and employee benefits	$1,840,000	4,379
Premises and equipment expense	$275,000	5,423
Additional noninterest expense	$661,000	5,808
Pre-tax net operating income	$2,001,000	2,511
Securities gains (losses)	$56,000	2,518
Applicable income taxes	$104,000	3,357
Income before extraordinary items	$1,953,000	2,304
Extraordinary gains, net	$0	29
Net income	$1,953,000	2,305
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,953,000	2,305
Net charge-offs	$3,000	6,306
Cash dividends	$1,352,000	1,325
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,899,800	2,277
2011-09-30 (YTD Data)		Rank
Total interest income	$3,627,000	4,707
Total interest expense	$501,000	5,412
Net interest income	$3,126,000	4,452
Provision for loan and lease losses	$0	6,393
Total noninterest income	$408,000	4,287
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$308,000	2,982
Trading account gains and fees	$0	145
Additional Noninterest Income	$100,000	5,094
Total noninterest expense	$2,022,000	5,164
Salaries and employee benefits	$1,324,000	4,510
Premises and equipment expense	$209,000	5,430
Additional noninterest expense	$489,000	5,875
Pre-tax net operating income	$1,512,000	2,561
Securities gains (losses)	$118,000	1,637
Applicable income taxes	$82,000	3,347
Income before extraordinary items	$1,548,000	2,250
Extraordinary gains, net	$0	21
Net income	$1,548,000	2,250
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,548,000	2,251
Net charge-offs	$3,000	6,024
Cash dividends	$1,033,000	1,125
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,435,900	2,302
2011-06-30 (YTD Data)		Rank
Total interest income	$2,422,000	4,739
Total interest expense	$339,000	5,489
Net interest income	$2,083,000	4,466
Provision for loan and lease losses	$0	6,217
Total noninterest income	$267,000	4,354
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$197,000	3,068
Trading account gains and fees	$0	153
Additional Noninterest Income	$70,000	5,079
Total noninterest expense	$1,334,000	5,251
Salaries and employee benefits	$879,000	4,559
Premises and equipment expense	$135,000	5,527
Additional noninterest expense	$320,000	5,994
Pre-tax net operating income	$1,016,000	2,512
Securities gains (losses)	$-26,000	7,162
Applicable income taxes	$50,000	3,368
Income before extraordinary items	$940,000	2,390
Extraordinary gains, net	$0	15
Net income	$940,000	2,390
Minority interest net income	$0	89
Net income of bank and minority interests.	$940,000	2,390
Net charge-offs	$0	5,875
Cash dividends	$715,000	1,094
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$964,700	2,259
2011-03-31 (YTD Data)		Rank
Total interest income	$1,201,000	4,803
Total interest expense	$173,000	5,556
Net interest income	$1,028,000	4,494
Provision for loan and lease losses	$0	5,840
Total noninterest income	$129,000	4,454
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$94,000	3,108
Trading account gains and fees	$0	158
Additional Noninterest Income	$35,000	5,181
Total noninterest expense	$662,000	5,295
Salaries and employee benefits	$442,000	4,564
Premises and equipment expense	$65,000	5,671
Additional noninterest expense	$155,000	6,077
Pre-tax net operating income	$495,000	2,572
Securities gains (losses)	$-11,000	7,181
Applicable income taxes	$24,000	3,333
Income before extraordinary items	$460,000	2,408
Extraordinary gains, net	$0	9
Net income	$460,000	2,407
Minority interest net income	$0	86
Net income of bank and minority interests.	$460,000	2,408
Net charge-offs	$0	5,107
Cash dividends	$203,000	1,379
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$470,450	2,324
2010-12-31 (YTD Data)		Rank
Total interest income	$4,889,000	4,876
Total interest expense	$810,000	5,683
Net interest income	$4,079,000	4,534
Provision for loan and lease losses	$130,000	5,773
Total noninterest income	$486,000	4,621
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$411,000	3,026
Trading account gains and fees	$0	175
Additional Noninterest Income	$75,000	5,743
Total noninterest expense	$2,536,000	5,471
Salaries and employee benefits	$1,698,000	4,690
Premises and equipment expense	$259,000	5,737
Additional noninterest expense	$579,000	6,260
Pre-tax net operating income	$1,899,000	2,333
Securities gains (losses)	$160,000	1,780
Applicable income taxes	$104,000	3,210
Income before extraordinary items	$1,955,000	2,063
Extraordinary gains, net	$0	29
Net income	$1,955,000	2,064
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,955,000	2,065
Net charge-offs	$16,000	6,440
Cash dividends	$875,000	1,655
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,803,000	2,115
2010-09-30 (YTD Data)		Rank
Total interest income	$3,660,000	4,974
Total interest expense	$628,000	5,772
Net interest income	$3,032,000	4,624
Provision for loan and lease losses	$130,000	5,437
Total noninterest income	$355,000	4,751
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$309,000	3,096
Trading account gains and fees	$0	165
Additional Noninterest Income	$46,000	6,074
Total noninterest expense	$1,854,000	5,563
Salaries and employee benefits	$1,237,000	4,817
Premises and equipment expense	$189,000	5,848
Additional noninterest expense	$428,000	6,341
Pre-tax net operating income	$1,403,000	2,504
Securities gains (losses)	$160,000	1,545
Applicable income taxes	$79,000	3,272
Income before extraordinary items	$1,484,000	2,166
Extraordinary gains, net	$0	23
Net income	$1,484,000	2,167
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,484,000	2,169
Net charge-offs	$14,000	6,146
Cash dividends	$594,000	1,580
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,332,000	2,244
2010-06-30 (YTD Data)		Rank
Total interest income	$2,430,000	5,028
Total interest expense	$428,000	5,823
Net interest income	$2,002,000	4,646
Provision for loan and lease losses	$115,000	5,019
Total noninterest income	$233,000	4,749
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$206,000	3,104
Trading account gains and fees	$0	152
Additional Noninterest Income	$27,000	6,237
Total noninterest expense	$1,231,000	5,599
Salaries and employee benefits	$818,000	4,866
Premises and equipment expense	$125,000	5,884
Additional noninterest expense	$288,000	6,355
Pre-tax net operating income	$889,000	2,606
Securities gains (losses)	$160,000	1,090
Applicable income taxes	$53,000	3,239
Income before extraordinary items	$996,000	2,131
Extraordinary gains, net	$0	19
Net income	$996,000	2,129
Minority interest net income	$0	105
Net income of bank and minority interests.	$996,000	2,133
Net charge-offs	$13,000	5,696
Cash dividends	$313,000	1,832
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$844,000	2,313
2010-03-31 (YTD Data)		Rank
Total interest income	$1,218,000	5,085
Total interest expense	$217,000	5,916
Net interest income	$1,001,000	4,680
Provision for loan and lease losses	$27,000	5,545
Total noninterest income	$110,000	4,885
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$96,000	3,228
Trading account gains and fees	$0	175
Additional Noninterest Income	$14,000	6,333
Total noninterest expense	$610,000	5,689
Salaries and employee benefits	$401,000	4,996
Premises and equipment expense	$61,000	6,007
Additional noninterest expense	$148,000	6,381
Pre-tax net operating income	$474,000	2,508
Securities gains (losses)	$157,000	608
Applicable income taxes	$32,000	3,122
Income before extraordinary items	$599,000	1,829
Extraordinary gains, net	$0	16
Net income	$599,000	1,828
Minority interest net income	$0	91
Net income of bank and minority interests.	$599,000	1,830
Net charge-offs	$-2,000	7,007
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$449,850	2,251
2009-12-31 (YTD Data)		Rank
Total interest income	$5,119,000	5,064
Total interest expense	$1,138,000	5,760
Net interest income	$3,981,000	4,587
Provision for loan and lease losses	$228,000	5,629
Total noninterest income	$492,000	4,754
Gross Fiduciary activities income	$1,000	1,342
Service charges on deposit accounts	$421,000	3,230
Trading account gains and fees	$0	211
Additional Noninterest Income	$70,000	6,045
Total noninterest expense	$2,426,000	5,756
Salaries and employee benefits	$1,602,000	5,006
Premises and equipment expense	$247,000	6,088
Additional noninterest expense	$577,000	6,527
Pre-tax net operating income	$1,819,000	2,068
Securities gains (losses)	$147,000	1,808
Applicable income taxes	$99,000	2,886
Income before extraordinary items	$1,867,000	1,787
Extraordinary gains, net	$0	34
Net income	$1,867,000	1,785
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,867,000	1,787
Net charge-offs	$89,000	5,798
Cash dividends	$704,000	2,115
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,727,350	1,857
2009-09-30 (YTD Data)		Rank
Total interest income	$3,852,000	5,123
Total interest expense	$901,000	5,804
Net interest income	$2,951,000	4,636
Provision for loan and lease losses	$163,000	5,423
Total noninterest income	$353,000	4,899
Gross Fiduciary activities income	$1,000	1,297
Service charges on deposit accounts	$316,000	3,245
Trading account gains and fees	$0	212
Additional Noninterest Income	$36,000	6,563
Total noninterest expense	$1,733,000	5,899
Salaries and employee benefits	$1,107,000	5,282
Premises and equipment expense	$165,000	6,369
Additional noninterest expense	$461,000	6,425
Pre-tax net operating income	$1,408,000	2,156
Securities gains (losses)	$169,000	1,411
Applicable income taxes	$80,000	3,033
Income before extraordinary items	$1,497,000	1,779
Extraordinary gains, net	$0	27
Net income	$1,497,000	1,779
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,497,000	1,779
Net charge-offs	$5,000	6,691
Cash dividends	$406,000	2,234
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,336,450	1,952
2009-06-30 (YTD Data)		Rank
Total interest income	$2,567,000	5,167
Total interest expense	$635,000	5,803
Net interest income	$1,932,000	4,687
Provision for loan and lease losses	$117,000	5,156
Total noninterest income	$230,000	4,975
Gross Fiduciary activities income	$1,000	1,272
Service charges on deposit accounts	$205,000	3,276
Trading account gains and fees	$0	193
Additional Noninterest Income	$24,000	6,629
Total noninterest expense	$1,096,000	6,069
Salaries and employee benefits	$706,000	5,470
Premises and equipment expense	$100,000	6,578
Additional noninterest expense	$290,000	6,568
Pre-tax net operating income	$949,000	2,206
Securities gains (losses)	$130,000	1,294
Applicable income taxes	$54,000	3,106
Income before extraordinary items	$1,025,000	1,811
Extraordinary gains, net	$0	21
Net income	$1,025,000	1,808
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,025,000	1,810
Net charge-offs	$2,000	6,442
Cash dividends	$289,000	2,275
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$901,500	1,954
2009-03-31 (YTD Data)		Rank
Total interest income	$1,272,000	5,222
Total interest expense	$337,000	5,768
Net interest income	$935,000	4,761
Provision for loan and lease losses	$8,000	6,409
Total noninterest income	$103,000	5,159
Gross Fiduciary activities income	$1,000	1,214
Service charges on deposit accounts	$90,000	3,462
Trading account gains and fees	$0	171
Additional Noninterest Income	$12,000	6,706
Total noninterest expense	$519,000	6,174
Salaries and employee benefits	$354,000	5,505
Premises and equipment expense	$47,000	6,737
Additional noninterest expense	$118,000	6,804
Pre-tax net operating income	$511,000	2,344
Securities gains (losses)	$130,000	870
Applicable income taxes	$32,000	3,243
Income before extraordinary items	$609,000	1,768
Extraordinary gains, net	$0	15
Net income	$609,000	1,769
Minority interest net income	$0	102
Net income of bank and minority interests.	$609,000	1,770
Net charge-offs	$1,000	5,564
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$485,500	2,053
2008-12-31 (YTD Data)		Rank
Total interest income	$4,789,000	5,582
Total interest expense	$1,695,000	5,702
Net interest income	$3,094,000	5,334
Provision for loan and lease losses	$96,000	6,102
Total noninterest income	$474,000	4,958
Gross Fiduciary activities income	$1,000	1,385
Service charges on deposit accounts	$392,000	3,494
Trading account gains and fees	$0	154
Additional Noninterest Income	$81,000	6,204
Total noninterest expense	$2,129,000	6,078
Salaries and employee benefits	$1,497,000	5,341
Premises and equipment expense	$199,000	6,686
Additional noninterest expense	$433,000	6,916
Pre-tax net operating income	$1,343,000	3,213
Securities gains (losses)	$2,000	2,962
Applicable income taxes	$68,000	3,665
Income before extraordinary items	$1,277,000	2,797
Extraordinary gains, net	$0	39
Net income	$1,277,000	2,797
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,922
Cash dividends	$514,000	3,321
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,275,100	2,942
2008-09-30 (YTD Data)		Rank
Total interest income	$3,556,000	5,688
Total interest expense	$1,315,000	5,742
Net interest income	$2,241,000	5,465
Provision for loan and lease losses	$40,000	6,090
Total noninterest income	$338,000	5,147
Gross Fiduciary activities income	$1,000	1,339
Service charges on deposit accounts	$293,000	3,526
Trading account gains and fees	$0	148
Additional Noninterest Income	$44,000	6,749
Total noninterest expense	$1,490,000	6,240
Salaries and employee benefits	$1,023,000	5,621
Premises and equipment expense	$149,000	6,721
Additional noninterest expense	$318,000	6,933
Pre-tax net operating income	$1,049,000	3,591
Securities gains (losses)	$2,000	2,845
Applicable income taxes	$53,000	4,068
Income before extraordinary items	$998,000	3,107
Extraordinary gains, net	$0	31
Net income	$998,000	3,103
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,427
Cash dividends	$421,000	2,964
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$996,100	3,259
2008-06-30 (YTD Data)		Rank
Total interest income	$2,336,000	5,791
Total interest expense	$905,000	5,818
Net interest income	$1,431,000	5,587
Provision for loan and lease losses	$40,000	5,379
Total noninterest income	$216,000	5,281
Gross Fiduciary activities income	$1,000	1,327
Service charges on deposit accounts	$181,000	3,680
Trading account gains and fees	$0	149
Additional Noninterest Income	$34,000	6,622
Total noninterest expense	$972,000	6,338
Salaries and employee benefits	$680,000	5,673
Premises and equipment expense	$100,000	6,746
Additional noninterest expense	$192,000	7,134
Pre-tax net operating income	$635,000	3,897
Securities gains (losses)	$2,000	2,957
Applicable income taxes	$32,000	4,379
Income before extraordinary items	$605,000	3,626
Extraordinary gains, net	$0	21
Net income	$605,000	3,627
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,718
Cash dividends	$329,000	2,835
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$603,100	3,575
2008-03-31 (YTD Data)		Rank
Total interest income	$1,171,000	5,871
Total interest expense	$484,000	5,837
Net interest income	$687,000	5,745
Provision for loan and lease losses	$0	6,080
Total noninterest income	$99,000	5,443
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$84,000	3,792
Trading account gains and fees	$0	158
Additional Noninterest Income	$15,000	6,825
Total noninterest expense	$484,000	6,383
Salaries and employee benefits	$338,000	5,746
Premises and equipment expense	$48,000	6,848
Additional noninterest expense	$98,000	7,100
Pre-tax net operating income	$302,000	4,140
Securities gains (losses)	$0	2,688
Applicable income taxes	$15,000	4,552
Income before extraordinary items	$287,000	3,900
Extraordinary gains, net	$0	15
Net income	$287,000	3,903
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,162
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$287,000	3,818
2007-12-31 (YTD Data)		Rank
Total interest income	$4,679,000	5,887
Total interest expense	$2,053,000	5,785
Net interest income	$2,626,000	5,846
Provision for loan and lease losses	$78,000	5,222
Total noninterest income	$392,000	5,533
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$273,000	4,284
Trading account gains and fees	$0	178
Additional Noninterest Income	$119,000	5,953
Total noninterest expense	$1,897,000	6,344
Salaries and employee benefits	$1,327,000	5,682
Premises and equipment expense	$201,000	6,726
Additional noninterest expense	$369,000	7,204
Pre-tax net operating income	$1,043,000	4,651
Securities gains (losses)	$0	2,146
Applicable income taxes	$53,000	4,900
Income before extraordinary items	$990,000	4,348
Extraordinary gains, net	$0	39
Net income	$990,000	4,350
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,831
Cash dividends	$192,000	4,955
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$990,000	4,339
2007-09-30 (YTD Data)		Rank
Total interest income	$3,489,000	5,938
Total interest expense	$1,525,000	5,828
Net interest income	$1,964,000	5,889
Provision for loan and lease losses	$78,000	4,535
Total noninterest income	$262,000	5,808
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$194,000	4,399
Trading account gains and fees	$0	184
Additional Noninterest Income	$68,000	6,381
Total noninterest expense	$1,403,000	6,364
Salaries and employee benefits	$984,000	5,686
Premises and equipment expense	$144,000	6,807
Additional noninterest expense	$275,000	7,191
Pre-tax net operating income	$745,000	4,992
Securities gains (losses)	$0	1,655
Applicable income taxes	$38,000	5,126
Income before extraordinary items	$707,000	4,634
Extraordinary gains, net	$0	33
Net income	$707,000	4,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	5,346
Cash dividends	$144,000	4,437
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$707,000	4,623
2007-06-30 (YTD Data)		Rank
Total interest income	$2,299,000	5,982
Total interest expense	$996,000	5,881
Net interest income	$1,303,000	5,940
Provision for loan and lease losses	$68,000	3,874
Total noninterest income	$165,000	5,960
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$121,000	4,571
Trading account gains and fees	$0	168
Additional Noninterest Income	$44,000	6,471
Total noninterest expense	$941,000	6,405
Salaries and employee benefits	$657,000	5,754
Premises and equipment expense	$97,000	6,826
Additional noninterest expense	$187,000	7,191
Pre-tax net operating income	$459,000	5,223
Securities gains (losses)	$0	1,444
Applicable income taxes	$23,000	5,272
Income before extraordinary items	$436,000	4,871
Extraordinary gains, net	$0	29
Net income	$436,000	4,870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,195
Cash dividends	$96,000	4,383
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$436,000	4,873
2007-03-31 (YTD Data)		Rank
Total interest income	$1,129,000	6,033
Total interest expense	$485,000	5,941
Net interest income	$644,000	5,975
Provision for loan and lease losses	$10,000	5,012
Total noninterest income	$69,000	6,268
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$51,000	4,837
Trading account gains and fees	$0	195
Additional Noninterest Income	$18,000	6,767
Total noninterest expense	$464,000	6,468
Salaries and employee benefits	$327,000	5,818
Premises and equipment expense	$50,000	6,802
Additional noninterest expense	$87,000	7,339
Pre-tax net operating income	$239,000	5,140
Securities gains (losses)	$0	1,187
Applicable income taxes	$12,000	5,224
Income before extraordinary items	$227,000	4,773
Extraordinary gains, net	$0	22
Net income	$227,000	4,774
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,195
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$227,000	4,750
2006-12-31 (YTD Data)		Rank
Total interest income	$4,226,000	5,980
Total interest expense	$1,658,000	5,883
Net interest income	$2,568,000	5,945
Provision for loan and lease losses	$120,000	4,374
Total noninterest income	$323,000	6,031
Gross Fiduciary activities income	$3,000	1,398
Service charges on deposit accounts	$227,000	4,721
Trading account gains and fees	$0	130
Additional Noninterest Income	$93,000	6,451
Total noninterest expense	$1,907,000	6,294
Salaries and employee benefits	$1,321,000	5,605
Premises and equipment expense	$188,000	6,842
Additional noninterest expense	$398,000	7,070
Pre-tax net operating income	$864,000	5,498
Securities gains (losses)	$0	1,687
Applicable income taxes	$44,000	5,530
Income before extraordinary items	$820,000	5,148
Extraordinary gains, net	$0	51
Net income	$820,000	5,152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$187,000	2,276
Cash dividends	$243,000	4,746
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$820,000	5,146
2006-09-30 (YTD Data)		Rank
Total interest income	$3,112,000	6,045
Total interest expense	$1,190,000	5,930
Net interest income	$1,922,000	6,012
Provision for loan and lease losses	$120,000	3,815
Total noninterest income	$245,000	6,058
Gross Fiduciary activities income	$3,000	1,330
Service charges on deposit accounts	$177,000	4,680
Trading account gains and fees	$0	126
Additional Noninterest Income	$65,000	6,548
Total noninterest expense	$1,393,000	6,357
Salaries and employee benefits	$985,000	5,598
Premises and equipment expense	$142,000	6,865
Additional noninterest expense	$266,000	7,299
Pre-tax net operating income	$654,000	5,689
Securities gains (losses)	$0	1,388
Applicable income taxes	$33,000	5,694
Income before extraordinary items	$621,000	5,274
Extraordinary gains, net	$0	45
Net income	$621,000	5,277
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,000	1,785
Cash dividends	$184,000	4,262
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$621,000	5,264
2006-06-30 (YTD Data)		Rank
Total interest income	$2,021,000	6,088
Total interest expense	$758,000	5,941
Net interest income	$1,263,000	6,086
Provision for loan and lease losses	$120,000	2,983
Total noninterest income	$166,000	6,040
Gross Fiduciary activities income	$3,000	1,300
Service charges on deposit accounts	$116,000	4,683
Trading account gains and fees	$0	126
Additional Noninterest Income	$47,000	6,470
Total noninterest expense	$910,000	6,432
Salaries and employee benefits	$647,000	5,669
Premises and equipment expense	$90,000	6,981
Additional noninterest expense	$173,000	7,367
Pre-tax net operating income	$399,000	5,903
Securities gains (losses)	$0	1,185
Applicable income taxes	$20,000	5,801
Income before extraordinary items	$379,000	5,510
Extraordinary gains, net	$0	39
Net income	$379,000	5,512
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$157,000	1,290
Cash dividends	$127,000	4,149
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$379,000	5,509
2006-03-31 (YTD Data)		Rank
Total interest income	$978,000	6,148
Total interest expense	$363,000	5,935
Net interest income	$615,000	6,169
Provision for loan and lease losses	$5,000	5,672
Total noninterest income	$72,000	6,277
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$57,000	4,646
Trading account gains and fees	$0	115
Additional Noninterest Income	$15,000	7,090
Total noninterest expense	$451,000	6,473
Salaries and employee benefits	$321,000	5,721
Premises and equipment expense	$45,000	6,974
Additional noninterest expense	$85,000	7,403
Pre-tax net operating income	$231,000	5,530
Securities gains (losses)	$0	955
Applicable income taxes	$12,000	5,666
Income before extraordinary items	$219,000	5,131
Extraordinary gains, net	$0	21
Net income	$219,000	5,131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$146,000	756
Cash dividends	$11,000	3,886
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$219,000	5,123
2005-12-31 (YTD Data)		Rank
Total interest income	$3,677,000	6,059
Total interest expense	$1,211,000	5,789
Net interest income	$2,466,000	6,087
Provision for loan and lease losses	$163,000	3,988
Total noninterest income	$336,000	6,094
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$237,000	4,686
Trading account gains and fees	$0	138
Additional Noninterest Income	$99,000	6,420
Total noninterest expense	$1,770,000	6,445
Salaries and employee benefits	$1,248,000	5,659
Premises and equipment expense	$186,000	6,877
Additional noninterest expense	$336,000	7,427
Pre-tax net operating income	$869,000	5,707
Securities gains (losses)	$0	2,296
Applicable income taxes	$44,000	5,950
Income before extraordinary items	$825,000	5,282
Extraordinary gains, net	$0	46
Net income	$825,000	5,284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	3,766
Cash dividends	$200,000	4,874
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$825,000	5,254
2005-09-30 (YTD Data)		Rank
Total interest income	$2,705,000	6,097
Total interest expense	$871,000	5,799
Net interest income	$1,834,000	6,134
Provision for loan and lease losses	$163,000	3,357
Total noninterest income	$249,000	6,158
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$176,000	4,736
Trading account gains and fees	$0	126
Additional Noninterest Income	$73,000	6,452
Total noninterest expense	$1,334,000	6,437
Salaries and employee benefits	$942,000	5,621
Premises and equipment expense	$139,000	6,876
Additional noninterest expense	$253,000	7,419
Pre-tax net operating income	$586,000	6,068
Securities gains (losses)	$0	2,317
Applicable income taxes	$32,000	6,039
Income before extraordinary items	$554,000	5,659
Extraordinary gains, net	$0	35
Net income	$554,000	5,662
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	3,302
Cash dividends	$150,000	4,338
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$554,000	5,615
2005-06-30 (YTD Data)		Rank
Total interest income	$1,746,000	6,129
Total interest expense	$541,000	5,842
Net interest income	$1,205,000	6,168
Provision for loan and lease losses	$51,000	4,505
Total noninterest income	$156,000	6,260
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$113,000	4,773
Trading account gains and fees	$0	116
Additional Noninterest Income	$43,000	6,655
Total noninterest expense	$892,000	6,421
Salaries and employee benefits	$628,000	5,600
Premises and equipment expense	$89,000	6,941
Additional noninterest expense	$175,000	7,351
Pre-tax net operating income	$418,000	5,871
Securities gains (losses)	$0	2,146
Applicable income taxes	$21,000	6,068
Income before extraordinary items	$397,000	5,466
Extraordinary gains, net	$0	30
Net income	$397,000	5,468
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,238
Cash dividends	$100,000	4,233
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$397,000	5,426
2005-03-31 (YTD Data)		Rank
Total interest income	$865,000	6,160
Total interest expense	$252,000	5,946
Net interest income	$613,000	6,165
Provision for loan and lease losses	$5,000	5,826
Total noninterest income	$73,000	6,353
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$54,000	4,823
Trading account gains and fees	$0	115
Additional Noninterest Income	$19,000	6,923
Total noninterest expense	$442,000	6,482
Salaries and employee benefits	$313,000	5,651
Premises and equipment expense	$45,000	6,980
Additional noninterest expense	$84,000	7,480
Pre-tax net operating income	$239,000	5,549
Securities gains (losses)	$0	1,685
Applicable income taxes	$12,000	5,990
Income before extraordinary items	$227,000	5,113
Extraordinary gains, net	$0	24
Net income	$227,000	5,114
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,685
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$227,000	5,087
2004-12-31 (YTD Data)		Rank
Total interest income	$3,300,000	6,143
Total interest expense	$849,000	6,098
Net interest income	$2,451,000	6,070
Provision for loan and lease losses	$24,000	6,604
Total noninterest income	$336,000	6,173
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$202,000	5,197
Trading account gains and fees	$0	138
Additional Noninterest Income	$134,000	5,904
Total noninterest expense	$1,771,000	6,415
Salaries and employee benefits	$1,205,000	5,683
Premises and equipment expense	$180,000	6,974
Additional noninterest expense	$386,000	7,200
Pre-tax net operating income	$992,000	5,262
Securities gains (losses)	$-6,000	8,098
Applicable income taxes	$50,000	6,036
Income before extraordinary items	$936,000	4,866
Extraordinary gains, net	$0	34
Net income	$936,000	4,866
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	8,102
Cash dividends	$210,000	4,800
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$941,700	4,784
2004-09-30 (YTD Data)		Rank
Total interest income	$2,427,000	6,211
Total interest expense	$611,000	6,206
Net interest income	$1,816,000	6,106
Provision for loan and lease losses	$24,000	6,219
Total noninterest income	$249,000	6,231
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$143,000	5,373
Trading account gains and fees	$0	134
Additional Noninterest Income	$106,000	5,817
Total noninterest expense	$1,307,000	6,424
Salaries and employee benefits	$884,000	5,709
Premises and equipment expense	$131,000	7,018
Additional noninterest expense	$292,000	7,155
Pre-tax net operating income	$734,000	5,398
Securities gains (losses)	$-6,000	8,396
Applicable income taxes	$37,000	6,150
Income before extraordinary items	$691,000	4,988
Extraordinary gains, net	$0	26
Net income	$691,000	4,988
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	8,006
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$696,700	4,880
2004-06-30 (YTD Data)		Rank
Total interest income	$1,576,000	6,309
Total interest expense	$401,000	6,282
Net interest income	$1,175,000	6,212
Provision for loan and lease losses	$0	6,885
Total noninterest income	$152,000	6,439
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$81,000	5,696
Trading account gains and fees	$0	130
Additional Noninterest Income	$71,000	5,821
Total noninterest expense	$866,000	6,486
Salaries and employee benefits	$586,000	5,769
Premises and equipment expense	$81,000	7,205
Additional noninterest expense	$199,000	7,136
Pre-tax net operating income	$461,000	5,504
Securities gains (losses)	$0	3,413
Applicable income taxes	$23,000	6,209
Income before extraordinary items	$438,000	5,082
Extraordinary gains, net	$0	21
Net income	$438,000	5,082
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	7,788
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$438,000	4,990
2004-03-31 (YTD Data)		Rank
Total interest income	$779,000	6,361
Total interest expense	$204,000	6,297
Net interest income	$575,000	6,280
Provision for loan and lease losses	$0	6,501
Total noninterest income	$90,000	6,013
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$35,000	5,922
Trading account gains and fees	$0	121
Additional Noninterest Income	$55,000	4,930
Total noninterest expense	$426,000	6,582
Salaries and employee benefits	$287,000	5,859
Premises and equipment expense	$39,000	7,313
Additional noninterest expense	$100,000	7,147
Pre-tax net operating income	$239,000	5,390
Securities gains (losses)	$0	2,934
Applicable income taxes	$12,000	6,136
Income before extraordinary items	$227,000	5,011
Extraordinary gains, net	$0	16
Net income	$227,000	5,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,582
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$227,000	4,878
2003-12-31 (YTD Data)		Rank
Total interest income	$3,194,000	6,331
Total interest expense	$940,000	6,286
Net interest income	$2,254,000	6,251
Provision for loan and lease losses	$12,000	7,277
Total noninterest income	$235,000	7,056
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$155,000	5,802
Trading account gains and fees	$0	160
Additional Noninterest Income	$80,000	6,888
Total noninterest expense	$1,580,000	6,746
Salaries and employee benefits	$1,053,000	6,075
Premises and equipment expense	$151,000	7,380
Additional noninterest expense	$376,000	7,290
Pre-tax net operating income	$897,000	5,432
Securities gains (losses)	$0	4,500
Applicable income taxes	$45,000	6,359
Income before extraordinary items	$852,000	5,081
Extraordinary gains, net	$0	54
Net income	$852,000	5,082
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,545
Cash dividends	$442,000	3,764
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$852,000	4,918
2003-09-30 (YTD Data)		Rank
Total interest income	$2,402,000	6,383
Total interest expense	$729,000	6,348
Net interest income	$1,673,000	6,316
Provision for loan and lease losses	$12,000	7,043
Total noninterest income	$167,000	7,198
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$112,000	5,914
Trading account gains and fees	$0	153
Additional Noninterest Income	$55,000	7,077
Total noninterest expense	$1,173,000	6,767
Salaries and employee benefits	$790,000	6,043
Premises and equipment expense	$118,000	7,305
Additional noninterest expense	$265,000	7,437
Pre-tax net operating income	$655,000	5,673
Securities gains (losses)	$0	4,204
Applicable income taxes	$33,000	6,505
Income before extraordinary items	$622,000	5,305
Extraordinary gains, net	$0	40
Net income	$622,000	5,304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$442,000	2,890
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$622,000	5,122
2003-06-30 (YTD Data)		Rank
Total interest income	$1,587,000	6,452
Total interest expense	$504,000	6,371
Net interest income	$1,083,000	6,400
Provision for loan and lease losses	$0	7,324
Total noninterest income	$111,000	7,204
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$74,000	5,920
Trading account gains and fees	$0	150
Additional Noninterest Income	$37,000	7,072
Total noninterest expense	$758,000	6,878
Salaries and employee benefits	$522,000	6,106
Premises and equipment expense	$74,000	7,447
Additional noninterest expense	$162,000	7,614
Pre-tax net operating income	$436,000	5,657
Securities gains (losses)	$0	3,782
Applicable income taxes	$22,000	6,543
Income before extraordinary items	$414,000	5,303
Extraordinary gains, net	$0	30
Net income	$414,000	5,303
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,782
Cash dividends	$442,000	2,322
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$414,000	5,102
2003-03-31 (YTD Data)		Rank
Total interest income	$789,000	6,507
Total interest expense	$257,000	6,407
Net interest income	$532,000	6,458
Provision for loan and lease losses	$0	6,934
Total noninterest income	$57,000	7,118
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$34,000	6,012
Trading account gains and fees	$0	134
Additional Noninterest Income	$23,000	6,700
Total noninterest expense	$377,000	6,896
Salaries and employee benefits	$262,000	6,093
Premises and equipment expense	$38,000	7,422
Additional noninterest expense	$77,000	7,754
Pre-tax net operating income	$212,000	5,704
Securities gains (losses)	$0	2,891
Applicable income taxes	$11,000	6,507
Income before extraordinary items	$201,000	5,323
Extraordinary gains, net	$0	21
Net income	$201,000	5,322
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,386
Cash dividends	$442,000	1,354
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$201,000	5,130
2002-12-31 (YTD Data)		Rank
Total interest income	$3,514,000	6,331
Total interest expense	$1,248,000	6,315
Net interest income	$2,266,000	6,218
Provision for loan and lease losses	$10,000	7,810
Total noninterest income	$247,000	6,895
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$144,000	5,906
Trading account gains and fees	$0	153
Additional Noninterest Income	$103,000	6,389
Total noninterest expense	$1,463,000	6,917
Salaries and employee benefits	$1,013,000	6,100
Premises and equipment expense	$143,000	7,535
Additional noninterest expense	$307,000	7,758
Pre-tax net operating income	$1,040,000	5,103
Securities gains (losses)	$0	4,537
Applicable income taxes	$34,000	6,771
Income before extraordinary items	$1,006,000	4,569
Extraordinary gains, net	$0	70
Net income	$1,006,000	4,569
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	8,821
Cash dividends	$646,000	3,026
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,006,000	4,455
2001-12-31 (YTD Data)		Rank
Total interest income	$3,814,000	6,496
Total interest expense	$1,865,000	6,318
Net interest income	$1,949,000	6,514
Provision for loan and lease losses	$73,000	6,134
Total noninterest income	$218,000	7,142
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$170,000	5,515
Trading account gains and fees	$0	177
Additional Noninterest Income	$48,000	7,736
Total noninterest expense	$1,385,000	7,043
Salaries and employee benefits	$913,000	6,314
Premises and equipment expense	$123,000	7,956
Additional noninterest expense	$349,000	7,523
Pre-tax net operating income	$709,000	5,783
Securities gains (losses)	$0	4,612
Applicable income taxes	$172,000	5,260
Income before extraordinary items	$537,000	5,898
Extraordinary gains, net	$0	105
Net income	$537,000	5,900
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	4,411
Cash dividends	$70,000	5,993
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$537,000	5,782
2000-12-31 (YTD Data)		Rank
Total interest income	$3,904,000	6,562
Total interest expense	$1,994,000	6,285
Net interest income	$1,910,000	6,715
Provision for loan and lease losses	$10,000	7,963
Total noninterest income	$255,000	6,721
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$174,000	5,445
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	6,893
Total noninterest expense	$1,311,000	7,213
Salaries and employee benefits	$906,000	6,299
Premises and equipment expense	$129,000	7,936
Additional noninterest expense	$276,000	8,142
Pre-tax net operating income	$844,000	5,721
Securities gains (losses)	$0	1,956
Applicable income taxes	$260,000	4,898
Income before extraordinary items	$584,000	5,921
Extraordinary gains, net	$0	38
Net income	$584,000	5,919
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$70,000	6,230
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$584,000	5,933
1999-12-31 (YTD Data)		Rank
Total interest income	$3,683,000	6,633
Total interest expense	$1,748,000	6,467
Net interest income	$1,935,000	6,761
Provision for loan and lease losses	$0	8,503
Total noninterest income	$221,000	7,242
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$143,000	5,962
Trading account gains and fees	NA	NA
Additional Noninterest Income	$78,000	7,202
Total noninterest expense	$1,303,000	7,288
Salaries and employee benefits	$860,000	6,492
Premises and equipment expense	$141,000	7,831
Additional noninterest expense	$302,000	8,096
Pre-tax net operating income	$853,000	5,748
Securities gains (losses)	$0	3,155
Applicable income taxes	$258,000	5,132
Income before extraordinary items	$595,000	5,924
Extraordinary gains, net	$0	35
Net income	$595,000	5,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	9,311
Cash dividends	$140,000	5,736
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$595,000	5,902
1998-12-31 (YTD Data)		Rank
Total interest income	$3,792,000	6,671
Total interest expense	$1,851,000	6,456
Net interest income	$1,941,000	6,783
Provision for loan and lease losses	$68,000	5,924
Total noninterest income	$190,000	7,704
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$122,000	6,427
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	7,535
Total noninterest expense	$1,308,000	7,227
Salaries and employee benefits	$856,000	6,438
Premises and equipment expense	$151,000	7,628
Additional noninterest expense	$301,000	8,115
Pre-tax net operating income	$755,000	6,270
Securities gains (losses)	$0	4,449
Applicable income taxes	$214,000	6,034
Income before extraordinary items	$541,000	6,368
Extraordinary gains, net	$0	32
Net income	$541,000	6,368
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	3,781
Cash dividends	$658,000	2,955
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$541,000	6,264
1997-12-31 (YTD Data)		Rank
Total interest income	$3,744,000	6,910
Total interest expense	$1,817,000	6,646
Net interest income	$1,927,000	7,069
Provision for loan and lease losses	$92,000	5,344
Total noninterest income	$203,000	7,801
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$144,000	6,280
Trading account gains and fees	NA	NA
Additional Noninterest Income	$59,000	8,059
Total noninterest expense	$1,392,000	7,055
Salaries and employee benefits	$914,000	6,217
Premises and equipment expense	$164,000	7,495
Additional noninterest expense	$314,000	8,183
Pre-tax net operating income	$646,000	7,222
Securities gains (losses)	$0	3,944
Applicable income taxes	$220,000	6,618
Income before extraordinary items	$426,000	7,469
Extraordinary gains, net	$0	44
Net income	$426,000	7,472
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,000	3,930
Cash dividends	$1,804,000	1,402
Sale, conversion, retirement of capital stock, net	$170,000	698
Net operating income	$426,000	7,419
1996-12-31 (YTD Data)		Rank
Total interest income	$2,570,000	8,602
Total interest expense	$1,167,000	8,478
Net interest income	$1,403,000	8,507
Provision for loan and lease losses	$31,000	7,373
Total noninterest income	$172,000	8,652
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$109,000	7,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	8,357
Total noninterest expense	$961,000	8,829
Salaries and employee benefits	$603,000	8,099
Premises and equipment expense	$122,000	8,752
Additional noninterest expense	$236,000	9,550
Pre-tax net operating income	$583,000	7,515
Securities gains (losses)	$0	4,148
Applicable income taxes	$190,000	7,281
Income before extraordinary items	$393,000	7,676
Extraordinary gains, net	$0	53
Net income	$393,000	7,676
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,500
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$393,000	7,622
1995-12-31 (YTD Data)		Rank
Total interest income	$2,404,000	9,110
Total interest expense	$1,080,000	8,966
Net interest income	$1,324,000	9,005
Provision for loan and lease losses	$54,000	6,067
Total noninterest income	$130,000	9,662
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$89,000	8,057
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	9,663
Total noninterest expense	$1,019,000	8,866
Salaries and employee benefits	$592,000	8,410
Premises and equipment expense	$95,000	9,761
Additional noninterest expense	$332,000	8,893
Pre-tax net operating income	$381,000	9,188
Securities gains (losses)	$0	3,831
Applicable income taxes	$106,000	9,057
Income before extraordinary items	$275,000	9,184
Extraordinary gains, net	$0	65
Net income	$275,000	9,188
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,500
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$275,000	9,153
1994-12-31 (YTD Data)		Rank
Total interest income	$2,121,000	9,569
Total interest expense	$815,000	9,525
Net interest income	$1,306,000	9,446
Provision for loan and lease losses	$80,000	5,022
Total noninterest income	$125,000	10,200
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$92,000	8,308
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	10,596
Total noninterest expense	$950,000	9,551
Salaries and employee benefits	$587,000	8,708
Premises and equipment expense	$42,000	11,924
Additional noninterest expense	$321,000	9,709
Pre-tax net operating income	$401,000	9,356
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$87,000	9,652
Income before extraordinary items	$315,000	8,982
Extraordinary gains, net	$0	249
Net income	$315,000	8,985
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,000	2,637
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$314,220	9,053
1993-12-31 (YTD Data)		Rank
Total interest income	$2,075,000	10,029
Total interest expense	$825,000	9,904
Net interest income	$1,250,000	9,897
Provision for loan and lease losses	$413,000	2,407
Total noninterest income	$126,000	10,712
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$99,000	8,412
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	11,511
Total noninterest expense	$913,000	10,140
Salaries and employee benefits	$545,000	9,265
Premises and equipment expense	$69,000	11,541
Additional noninterest expense	$299,000	10,466
Pre-tax net operating income	$50,000	12,183
Securities gains (losses)	$3,000	6,505
Applicable income taxes	$-8,000	12,773
Income before extraordinary items	$61,000	12,170
Extraordinary gains, net	$0	3,149
Net income	$61,000	12,200
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$236,000	2,836
Cash dividends	$285,000	4,563
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$58,000	12,040
1992-12-31 (YTD Data)		Rank
Total interest income	$2,223,000	10,428
Total interest expense	$1,015,000	10,324
Net interest income	$1,208,000	10,300
Provision for loan and lease losses	$95,000	7,436
Total noninterest income	$119,000	11,221
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	8,723
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	12,093
Total noninterest expense	$887,000	10,568
Salaries and employee benefits	$588,000	8,917
Premises and equipment expense	$60,000	12,283
Additional noninterest expense	$239,000	11,688
Pre-tax net operating income	$345,000	9,735
Securities gains (losses)	$-6,000	13,123
Applicable income taxes	$86,000	10,284
Income before extraordinary items	$253,000	9,883
Extraordinary gains, net	$0	1,422
Net income	$253,000	10,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	6,549
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$257,500	9,456

* 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.