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Highlands Community Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$8,646,000	3,023
Total interest expense	$2,143,000	2,970
Net interest income	$6,503,000	2,994
Provision for loan and lease losses	$528,000	1,240
Total noninterest income	$864,000	2,909
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$279,000	2,286
Trading account gains and fees	NA	NA
Additional Noninterest Income	$585,000	2,823
Total noninterest expense	$5,658,000	2,875
Salaries and employee benefits	$2,394,000	3,229
Premises and equipment expense	$351,000	3,424
Additional noninterest expense	$585,000	2,823
Pre-tax net operating income	$1,181,000	3,454
Securities gains (losses)	$17,000	680
Applicable income taxes	$192,000	2,464
Income before extraordinary items	$1,006,000	3,472
Extraordinary gains, net	$0	54
Net income	$1,006,000	3,509
Minority interest net income	$0	88
Net income of bank and minority interests.	$1,006,000	3,473
Net charge-offs	$423,000	823
Cash dividends	$904,000	2,274
Sale, conversion, retirement of capital stock, net	$44,000	453
Net operating income	$991,720	3,510
2023-09-30 (YTD Data)		Rank
Total interest income	$6,344,000	3,034
Total interest expense	$1,489,000	2,944
Net interest income	$4,855,000	3,025
Provision for loan and lease losses	$371,000	1,189
Total noninterest income	$649,000	2,903
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$213,000	2,271
Trading account gains and fees	NA	NA
Additional Noninterest Income	$436,000	2,819
Total noninterest expense	$4,309,000	2,840
Salaries and employee benefits	$1,814,000	3,206
Premises and equipment expense	$236,000	3,550
Additional noninterest expense	$436,000	2,818
Pre-tax net operating income	$824,000	3,586
Securities gains (losses)	$16,000	507
Applicable income taxes	$130,000	2,560
Income before extraordinary items	$710,000	3,589
Extraordinary gains, net	$0	52
Net income	$710,000	3,622
Minority interest net income	$0	81
Net income of bank and minority interests.	$710,000	3,589
Net charge-offs	$347,000	683
Cash dividends	$904,000	1,766
Sale, conversion, retirement of capital stock, net	$44,000	429
Net operating income	$696,400	3,635
2023-06-30 (YTD Data)		Rank
Total interest income	$4,132,000	3,044
Total interest expense	$897,000	2,917
Net interest income	$3,235,000	3,047
Provision for loan and lease losses	$250,000	1,174
Total noninterest income	$431,000	2,871
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$147,000	2,210
Trading account gains and fees	NA	NA
Additional Noninterest Income	$284,000	2,808
Total noninterest expense	$2,635,000	2,961
Salaries and employee benefits	$1,198,000	3,227
Premises and equipment expense	$161,000	3,537
Additional noninterest expense	$284,000	2,802
Pre-tax net operating income	$781,000	3,305
Securities gains (losses)	$16,000	492
Applicable income taxes	$135,000	2,381
Income before extraordinary items	$662,000	3,334
Extraordinary gains, net	$0	51
Net income	$662,000	3,367
Minority interest net income	$0	81
Net income of bank and minority interests.	$662,000	3,333
Net charge-offs	$275,000	576
Cash dividends	$904,000	1,465
Sale, conversion, retirement of capital stock, net	$44,000	396
Net operating income	$648,720	3,363
2023-03-31 (YTD Data)		Rank
Total interest income	$2,043,000	3,046
Total interest expense	$399,000	2,864
Net interest income	$1,644,000	3,034
Provision for loan and lease losses	$90,000	1,318
Total noninterest income	$222,000	2,839
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$78,000	2,163
Trading account gains and fees	NA	NA
Additional Noninterest Income	$144,000	2,795
Total noninterest expense	$1,306,000	3,001
Salaries and employee benefits	$586,000	3,297
Premises and equipment expense	$79,000	3,604
Additional noninterest expense	$144,000	2,795
Pre-tax net operating income	$470,000	3,166
Securities gains (losses)	$16,000	479
Applicable income taxes	$92,000	2,197
Income before extraordinary items	$394,000	3,190
Extraordinary gains, net	$0	4
Net income	$394,000	3,189
Minority interest net income	$0	48
Net income of bank and minority interests.	$394,000	3,190
Net charge-offs	$102,000	593
Cash dividends	$903,000	885
Sale, conversion, retirement of capital stock, net	$44,000	322
Net operating income	$381,040	3,253
2022-12-31 (YTD Data)		Rank
Total interest income	$7,893,000	2,876
Total interest expense	$1,104,000	2,280
Net interest income	$6,789,000	2,930
Provision for loan and lease losses	$335,000	1,466
Total noninterest income	$732,000	3,157
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$281,000	2,333
Trading account gains and fees	NA	NA
Additional Noninterest Income	$451,000	3,139
Total noninterest expense	$4,976,000	3,045
Salaries and employee benefits	$2,264,000	3,330
Premises and equipment expense	$318,000	3,586
Additional noninterest expense	$451,000	3,139
Pre-tax net operating income	$2,210,000	3,010
Securities gains (losses)	$0	691
Applicable income taxes	$395,000	2,211
Income before extraordinary items	$1,815,000	3,051
Extraordinary gains, net	$0	5
Net income	$1,815,000	3,048
Minority interest net income	$0	63
Net income of bank and minority interests.	$1,815,000	3,050
Net charge-offs	$316,000	757
Cash dividends	$889,000	2,260
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$1,815,000	3,093
2022-09-30 (YTD Data)		Rank
Total interest income	$5,857,000	2,837
Total interest expense	$814,000	2,017
Net interest income	$5,043,000	2,908
Provision for loan and lease losses	$245,000	1,355
Total noninterest income	$522,000	3,247
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$208,000	2,362
Trading account gains and fees	NA	NA
Additional Noninterest Income	$314,000	3,243
Total noninterest expense	$3,710,000	3,044
Salaries and employee benefits	$1,717,000	3,307
Premises and equipment expense	$237,000	3,604
Additional noninterest expense	$314,000	3,243
Pre-tax net operating income	$1,610,000	3,031
Securities gains (losses)	$0	740
Applicable income taxes	$288,000	2,243
Income before extraordinary items	$1,322,000	3,064
Extraordinary gains, net	$0	4
Net income	$1,322,000	3,062
Minority interest net income	$0	57
Net income of bank and minority interests.	$1,322,000	3,063
Net charge-offs	$214,000	670
Cash dividends	$889,000	1,774
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$1,322,000	3,091
2022-06-30 (YTD Data)		Rank
Total interest income	$3,788,000	2,843
Total interest expense	$542,000	1,855
Net interest income	$3,246,000	2,937
Provision for loan and lease losses	$165,000	1,243
Total noninterest income	$383,000	3,126
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$130,000	2,430
Trading account gains and fees	NA	NA
Additional Noninterest Income	$253,000	3,101
Total noninterest expense	$2,414,000	3,074
Salaries and employee benefits	$1,139,000	3,317
Premises and equipment expense	$157,000	3,634
Additional noninterest expense	$1,118,000	2,427
Pre-tax net operating income	$1,050,000	2,954
Securities gains (losses)	$0	687
Applicable income taxes	$189,000	2,178
Income before extraordinary items	$861,000	2,998
Extraordinary gains, net	$0	4
Net income	$861,000	2,997
Minority interest net income	$0	60
Net income of bank and minority interests.	$861,000	2,998
Net charge-offs	$149,000	613
Cash dividends	$889,000	1,444
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$861,000	3,035
2022-03-31 (YTD Data)		Rank
Total interest income	$1,906,000	2,796
Total interest expense	$269,000	1,827
Net interest income	$1,637,000	2,890
Provision for loan and lease losses	$65,000	1,209
Total noninterest income	$188,000	3,110
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$64,000	2,432
Trading account gains and fees	NA	NA
Additional Noninterest Income	$124,000	3,067
Total noninterest expense	$1,225,000	3,047
Salaries and employee benefits	$588,000	3,280
Premises and equipment expense	$79,000	3,652
Additional noninterest expense	$558,000	2,404
Pre-tax net operating income	$535,000	2,842
Securities gains (losses)	$0	623
Applicable income taxes	$97,000	2,081
Income before extraordinary items	$438,000	2,878
Extraordinary gains, net	$0	4
Net income	$438,000	2,876
Minority interest net income	$0	50
Net income of bank and minority interests.	$438,000	2,878
Net charge-offs	$68,000	584
Cash dividends	$889,000	845
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$438,000	2,904
2021-12-31 (YTD Data)		Rank
Total interest income	$7,444,000	2,909
Total interest expense	$1,141,000	2,029
Net interest income	$6,303,000	3,000
Provision for loan and lease losses	$195,000	1,772
Total noninterest income	$639,000	3,419
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$200,000	2,691
Trading account gains and fees	NA	NA
Additional Noninterest Income	$439,000	3,374
Total noninterest expense	$4,565,000	3,166
Salaries and employee benefits	$2,191,000	3,391
Premises and equipment expense	$301,000	3,724
Additional noninterest expense	$2,073,000	2,532
Pre-tax net operating income	$2,182,000	3,041
Securities gains (losses)	$2,000	1,964
Applicable income taxes	$394,000	2,267
Income before extraordinary items	$1,790,000	3,163
Extraordinary gains, net	$0	10
Net income	$1,790,000	3,163
Minority interest net income	$0	74
Net income of bank and minority interests.	$1,790,000	3,163
Net charge-offs	$371,000	755
Cash dividends	$859,000	2,365
Sale, conversion, retirement of capital stock, net	$26,000	537
Net operating income	$1,788,360	3,144
2021-09-30 (YTD Data)		Rank
Total interest income	$5,675,000	2,939
Total interest expense	$865,000	2,095
Net interest income	$4,810,000	3,021
Provision for loan and lease losses	$220,000	1,419
Total noninterest income	$518,000	3,395
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$143,000	2,760
Trading account gains and fees	NA	NA
Additional Noninterest Income	$375,000	3,313
Total noninterest expense	$3,483,000	3,159
Salaries and employee benefits	$1,703,000	3,350
Premises and equipment expense	$229,000	3,754
Additional noninterest expense	$1,551,000	2,531
Pre-tax net operating income	$1,625,000	3,165
Securities gains (losses)	$1,000	1,947
Applicable income taxes	$293,000	2,327
Income before extraordinary items	$1,333,000	3,270
Extraordinary gains, net	$0	8
Net income	$1,333,000	3,269
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,333,000	3,270
Net charge-offs	$299,000	645
Cash dividends	$859,000	1,867
Sale, conversion, retirement of capital stock, net	$26,000	489
Net operating income	$1,332,180	3,251
2021-06-30 (YTD Data)		Rank
Total interest income	$3,741,000	2,974
Total interest expense	$585,000	2,139
Net interest income	$3,156,000	3,050
Provision for loan and lease losses	$155,000	1,341
Total noninterest income	$340,000	3,399
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$92,000	2,757
Trading account gains and fees	NA	NA
Additional Noninterest Income	$248,000	3,314
Total noninterest expense	$2,298,000	3,164
Salaries and employee benefits	$1,136,000	3,353
Premises and equipment expense	$156,000	3,745
Additional noninterest expense	$1,006,000	2,563
Pre-tax net operating income	$1,043,000	3,207
Securities gains (losses)	$1,000	1,754
Applicable income taxes	$185,000	2,351
Income before extraordinary items	$859,000	3,312
Extraordinary gains, net	$0	6
Net income	$859,000	3,311
Minority interest net income	$0	67
Net income of bank and minority interests.	$859,000	3,312
Net charge-offs	$229,000	605
Cash dividends	$859,000	1,509
Sale, conversion, retirement of capital stock, net	$26,000	457
Net operating income	$858,180	3,287
2021-03-31 (YTD Data)		Rank
Total interest income	$1,839,000	2,982
Total interest expense	$303,000	2,161
Net interest income	$1,536,000	3,079
Provision for loan and lease losses	$60,000	1,591
Total noninterest income	$171,000	3,389
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$48,000	2,688
Trading account gains and fees	NA	NA
Additional Noninterest Income	$123,000	3,318
Total noninterest expense	$1,134,000	3,178
Salaries and employee benefits	$569,000	3,355
Premises and equipment expense	$78,000	3,758
Additional noninterest expense	$487,000	2,585
Pre-tax net operating income	$513,000	3,207
Securities gains (losses)	$0	1,392
Applicable income taxes	$89,000	2,363
Income before extraordinary items	$424,000	3,311
Extraordinary gains, net	$0	3
Net income	$424,000	3,312
Minority interest net income	$0	55
Net income of bank and minority interests.	$424,000	3,311
Net charge-offs	$168,000	478
Cash dividends	$859,000	842
Sale, conversion, retirement of capital stock, net	$26,000	398
Net operating income	$424,000	3,280
2020-12-31 (YTD Data)		Rank
Total interest income	$7,739,000	2,932
Total interest expense	$1,358,000	2,526
Net interest income	$6,381,000	2,959
Provision for loan and lease losses	$549,000	2,149
Total noninterest income	$906,000	2,980
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$222,000	2,635
Trading account gains and fees	NA	NA
Additional Noninterest Income	$684,000	2,839
Total noninterest expense	$4,604,000	3,150
Salaries and employee benefits	$2,413,000	3,257
Premises and equipment expense	$294,000	3,848
Additional noninterest expense	$1,897,000	2,613
Pre-tax net operating income	$2,134,000	2,873
Securities gains (losses)	$45,000	1,773
Applicable income taxes	$337,000	2,231
Income before extraordinary items	$1,842,000	2,924
Extraordinary gains, net	$0	4
Net income	$1,842,000	2,922
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,842,000	2,924
Net charge-offs	$355,000	1,188
Cash dividends	$799,000	2,435
Sale, conversion, retirement of capital stock, net	$53,000	489
Net operating income	$1,803,750	2,903
2020-09-30 (YTD Data)		Rank
Total interest income	$5,636,000	3,002
Total interest expense	$1,027,000	2,596
Net interest income	$4,609,000	3,032
Provision for loan and lease losses	$325,000	2,346
Total noninterest income	$516,000	3,274
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$170,000	2,612
Trading account gains and fees	NA	NA
Additional Noninterest Income	$346,000	3,193
Total noninterest expense	$3,412,000	3,155
Salaries and employee benefits	$1,807,000	3,256
Premises and equipment expense	$218,000	3,879
Additional noninterest expense	$1,387,000	2,646
Pre-tax net operating income	$1,388,000	3,051
Securities gains (losses)	$45,000	1,589
Applicable income taxes	$242,000	2,249
Income before extraordinary items	$1,191,000	3,132
Extraordinary gains, net	$0	4
Net income	$1,191,000	3,131
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,191,000	3,132
Net charge-offs	$274,000	1,069
Cash dividends	$799,000	1,919
Sale, conversion, retirement of capital stock, net	$53,000	445
Net operating income	$1,153,650	3,112
2020-06-30 (YTD Data)		Rank
Total interest income	$3,707,000	3,060
Total interest expense	$684,000	2,683
Net interest income	$3,023,000	3,083
Provision for loan and lease losses	$185,000	2,469
Total noninterest income	$347,000	3,230
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$120,000	2,564
Trading account gains and fees	NA	NA
Additional Noninterest Income	$227,000	3,179
Total noninterest expense	$2,271,000	3,160
Salaries and employee benefits	$1,190,000	3,281
Premises and equipment expense	$133,000	3,981
Additional noninterest expense	$948,000	2,608
Pre-tax net operating income	$914,000	3,049
Securities gains (losses)	$45,000	1,339
Applicable income taxes	$162,000	2,224
Income before extraordinary items	$797,000	3,106
Extraordinary gains, net	$0	4
Net income	$797,000	3,105
Minority interest net income	$0	65
Net income of bank and minority interests.	$797,000	3,106
Net charge-offs	$181,000	1,059
Cash dividends	$799,000	1,535
Sale, conversion, retirement of capital stock, net	$53,000	394
Net operating income	$759,650	3,122
2020-03-31 (YTD Data)		Rank
Total interest income	$1,833,000	3,074
Total interest expense	$346,000	2,797
Net interest income	$1,487,000	3,066
Provision for loan and lease losses	$55,000	2,437
Total noninterest income	$196,000	3,042
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$78,000	2,457
Trading account gains and fees	NA	NA
Additional Noninterest Income	$118,000	2,996
Total noninterest expense	$1,161,000	3,157
Salaries and employee benefits	$594,000	3,316
Premises and equipment expense	$69,000	3,972
Additional noninterest expense	$498,000	2,541
Pre-tax net operating income	$467,000	2,871
Securities gains (losses)	$9,000	1,340
Applicable income taxes	$80,000	2,107
Income before extraordinary items	$396,000	2,939
Extraordinary gains, net	$0	4
Net income	$396,000	2,940
Minority interest net income	$0	56
Net income of bank and minority interests.	$396,000	2,940
Net charge-offs	$16,000	1,683
Cash dividends	$799,000	966
Sale, conversion, retirement of capital stock, net	$53,000	312
Net operating income	$388,530	2,949
2019-12-31 (YTD Data)		Rank
Total interest income	$7,280,000	3,120
Total interest expense	$1,279,000	2,960
Net interest income	$6,001,000	3,097
Provision for loan and lease losses	$180,000	2,435
Total noninterest income	$579,000	3,501
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$251,000	2,871
Trading account gains and fees	NA	NA
Additional Noninterest Income	$328,000	3,479
Total noninterest expense	$4,478,000	3,216
Salaries and employee benefits	$2,354,000	3,334
Premises and equipment expense	$275,000	4,029
Additional noninterest expense	$1,849,000	2,697
Pre-tax net operating income	$1,922,000	3,082
Securities gains (losses)	$42,000	1,316
Applicable income taxes	$341,000	2,273
Income before extraordinary items	$1,623,000	3,165
Extraordinary gains, net	$0	11
Net income	$1,623,000	3,164
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,623,000	3,166
Net charge-offs	$162,000	1,859
Cash dividends	$532,000	2,932
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,588,140	3,169
2019-09-30 (YTD Data)		Rank
Total interest income	$5,458,000	3,158
Total interest expense	$929,000	3,028
Net interest income	$4,529,000	3,129
Provision for loan and lease losses	$155,000	2,227
Total noninterest income	$424,000	3,545
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$184,000	2,938
Trading account gains and fees	NA	NA
Additional Noninterest Income	$240,000	3,529
Total noninterest expense	$3,366,000	3,220
Salaries and employee benefits	$1,759,000	3,357
Premises and equipment expense	$199,000	4,121
Additional noninterest expense	$1,408,000	2,678
Pre-tax net operating income	$1,432,000	3,160
Securities gains (losses)	$28,000	1,300
Applicable income taxes	$250,000	2,355
Income before extraordinary items	$1,210,000	3,225
Extraordinary gains, net	$0	11
Net income	$1,210,000	3,224
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,210,000	3,225
Net charge-offs	$105,000	1,734
Cash dividends	$532,000	2,429
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,186,760	3,235
2019-06-30 (YTD Data)		Rank
Total interest income	$3,609,000	3,173
Total interest expense	$596,000	3,070
Net interest income	$3,013,000	3,148
Provision for loan and lease losses	$110,000	2,135
Total noninterest income	$267,000	3,600
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$113,000	3,052
Trading account gains and fees	NA	NA
Additional Noninterest Income	$154,000	3,576
Total noninterest expense	$2,244,000	3,244
Salaries and employee benefits	$1,159,000	3,393
Premises and equipment expense	$131,000	4,156
Additional noninterest expense	$954,000	2,681
Pre-tax net operating income	$926,000	3,203
Securities gains (losses)	$28,000	922
Applicable income taxes	$160,000	2,359
Income before extraordinary items	$794,000	3,268
Extraordinary gains, net	$0	11
Net income	$794,000	3,265
Minority interest net income	$0	69
Net income of bank and minority interests.	$794,000	3,266
Net charge-offs	$75,000	1,571
Cash dividends	$532,000	2,043
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$770,760	3,284
2019-03-31 (YTD Data)		Rank
Total interest income	$1,771,000	3,221
Total interest expense	$286,000	3,103
Net interest income	$1,485,000	3,195
Provision for loan and lease losses	$40,000	2,260
Total noninterest income	$124,000	3,683
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$55,000	3,093
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	3,667
Total noninterest expense	$1,119,000	3,284
Salaries and employee benefits	$581,000	3,423
Premises and equipment expense	$68,000	4,144
Additional noninterest expense	$470,000	2,699
Pre-tax net operating income	$450,000	3,214
Securities gains (losses)	$13,000	656
Applicable income taxes	$76,000	2,363
Income before extraordinary items	$387,000	3,273
Extraordinary gains, net	$0	5
Net income	$387,000	3,271
Minority interest net income	$0	52
Net income of bank and minority interests.	$387,000	3,272
Net charge-offs	$43,000	1,301
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$376,080	3,303
2018-12-31 (YTD Data)		Rank
Total interest income	$6,836,000	3,204
Total interest expense	$1,001,000	2,923
Net interest income	$5,835,000	3,220
Provision for loan and lease losses	$325,000	1,879
Total noninterest income	$569,000	3,618
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$247,000	3,029
Trading account gains and fees	NA	NA
Additional Noninterest Income	$322,000	3,598
Total noninterest expense	$4,192,000	3,397
Salaries and employee benefits	$2,179,000	3,532
Premises and equipment expense	$258,000	4,242
Additional noninterest expense	$1,755,000	2,849
Pre-tax net operating income	$1,887,000	3,223
Securities gains (losses)	$25,000	529
Applicable income taxes	$302,000	2,393
Income before extraordinary items	$1,610,000	3,265
Extraordinary gains, net	$0	6
Net income	$1,610,000	3,264
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,610,000	3,264
Net charge-offs	$311,000	1,305
Cash dividends	$488,000	2,999
Sale, conversion, retirement of capital stock, net	$19,000	610
Net operating income	$1,589,000	3,290
2018-09-30 (YTD Data)		Rank
Total interest income	$5,071,000	3,232
Total interest expense	$733,000	2,888
Net interest income	$4,338,000	3,260
Provision for loan and lease losses	$275,000	1,652
Total noninterest income	$388,000	3,762
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$186,000	3,034
Trading account gains and fees	NA	NA
Additional Noninterest Income	$202,000	3,831
Total noninterest expense	$3,073,000	3,451
Salaries and employee benefits	$1,595,000	3,573
Premises and equipment expense	$193,000	4,276
Additional noninterest expense	$1,285,000	2,886
Pre-tax net operating income	$1,378,000	3,301
Securities gains (losses)	$22,000	549
Applicable income taxes	$215,000	2,488
Income before extraordinary items	$1,185,000	3,334
Extraordinary gains, net	$0	5
Net income	$1,185,000	3,333
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,185,000	3,333
Net charge-offs	$257,000	1,086
Cash dividends	$488,000	2,396
Sale, conversion, retirement of capital stock, net	$19,000	562
Net operating income	$1,166,300	3,363
2018-06-30 (YTD Data)		Rank
Total interest income	$3,322,000	3,254
Total interest expense	$475,000	2,868
Net interest income	$2,847,000	3,283
Provision for loan and lease losses	$190,000	1,568
Total noninterest income	$256,000	3,800
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$129,000	2,976
Trading account gains and fees	NA	NA
Additional Noninterest Income	$127,000	3,913
Total noninterest expense	$2,019,000	3,497
Salaries and employee benefits	$1,040,000	3,640
Premises and equipment expense	$130,000	4,286
Additional noninterest expense	$849,000	2,925
Pre-tax net operating income	$894,000	3,321
Securities gains (losses)	$6,000	682
Applicable income taxes	$135,000	2,511
Income before extraordinary items	$765,000	3,368
Extraordinary gains, net	$0	6
Net income	$765,000	3,367
Minority interest net income	$0	65
Net income of bank and minority interests.	$765,000	3,367
Net charge-offs	$212,000	905
Cash dividends	$488,000	2,045
Sale, conversion, retirement of capital stock, net	$19,000	522
Net operating income	$759,900	3,374
2018-03-31 (YTD Data)		Rank
Total interest income	$1,646,000	3,277
Total interest expense	$229,000	2,871
Net interest income	$1,417,000	3,304
Provision for loan and lease losses	$90,000	1,532
Total noninterest income	$132,000	3,759
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$68,000	2,923
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	3,916
Total noninterest expense	$979,000	3,600
Salaries and employee benefits	$498,000	3,762
Premises and equipment expense	$61,000	4,418
Additional noninterest expense	$420,000	2,969
Pre-tax net operating income	$480,000	3,158
Securities gains (losses)	$0	735
Applicable income taxes	$72,000	2,432
Income before extraordinary items	$408,000	3,217
Extraordinary gains, net	$0	7
Net income	$408,000	3,217
Minority interest net income	$0	52
Net income of bank and minority interests.	$408,000	3,217
Net charge-offs	$108,000	811
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$19,000	438
Net operating income	$408,000	3,219
2017-12-31 (YTD Data)		Rank
Total interest income	$6,478,000	3,267
Total interest expense	$875,000	2,786
Net interest income	$5,603,000	3,317
Provision for loan and lease losses	$410,000	1,628
Total noninterest income	$520,000	3,886
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$269,000	3,024
Trading account gains and fees	NA	NA
Additional Noninterest Income	$251,000	3,982
Total noninterest expense	$3,646,000	3,741
Salaries and employee benefits	$1,889,000	3,865
Premises and equipment expense	$213,000	4,647
Additional noninterest expense	$1,544,000	3,166
Pre-tax net operating income	$2,067,000	3,056
Securities gains (losses)	$124,000	550
Applicable income taxes	$601,000	2,282
Income before extraordinary items	$1,590,000	3,035
Extraordinary gains, net	$0	9
Net income	$1,590,000	3,033
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,590,000	3,035
Net charge-offs	$342,000	1,376
Cash dividends	$443,000	3,081
Sale, conversion, retirement of capital stock, net	$24,000	629
Net operating income	$1,499,480	3,112
2017-09-30 (YTD Data)		Rank
Total interest income	$4,797,000	3,307
Total interest expense	$649,000	2,791
Net interest income	$4,148,000	3,361
Provision for loan and lease losses	$370,000	1,427
Total noninterest income	$399,000	3,877
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$209,000	3,001
Trading account gains and fees	NA	NA
Additional Noninterest Income	$190,000	4,022
Total noninterest expense	$2,658,000	3,812
Salaries and employee benefits	$1,386,000	3,930
Premises and equipment expense	$149,000	4,765
Additional noninterest expense	$1,123,000	3,238
Pre-tax net operating income	$1,519,000	3,146
Securities gains (losses)	$114,000	545
Applicable income taxes	$408,000	2,237
Income before extraordinary items	$1,225,000	3,174
Extraordinary gains, net	$0	9
Net income	$1,225,000	3,173
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,225,000	3,174
Net charge-offs	$263,000	1,205
Cash dividends	$443,000	2,531
Sale, conversion, retirement of capital stock, net	$24,000	580
Net operating income	$1,139,500	3,280
2017-06-30 (YTD Data)		Rank
Total interest income	$3,179,000	3,315
Total interest expense	$430,000	2,740
Net interest income	$2,749,000	3,360
Provision for loan and lease losses	$295,000	1,256
Total noninterest income	$262,000	3,922
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$138,000	3,013
Trading account gains and fees	NA	NA
Additional Noninterest Income	$124,000	4,073
Total noninterest expense	$1,771,000	3,827
Salaries and employee benefits	$927,000	3,934
Premises and equipment expense	$103,000	4,745
Additional noninterest expense	$741,000	3,265
Pre-tax net operating income	$945,000	3,221
Securities gains (losses)	$114,000	403
Applicable income taxes	$261,000	2,267
Income before extraordinary items	$798,000	3,173
Extraordinary gains, net	$0	11
Net income	$798,000	3,172
Minority interest net income	$0	71
Net income of bank and minority interests.	$798,000	3,173
Net charge-offs	$218,000	999
Cash dividends	$443,000	2,153
Sale, conversion, retirement of capital stock, net	$24,000	524
Net operating income	$712,500	3,349
2017-03-31 (YTD Data)		Rank
Total interest income	$1,563,000	3,356
Total interest expense	$212,000	2,743
Net interest income	$1,351,000	3,409
Provision for loan and lease losses	$75,000	1,685
Total noninterest income	$129,000	3,939
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$67,000	3,059
Trading account gains and fees	NA	NA
Additional Noninterest Income	$62,000	4,070
Total noninterest expense	$874,000	3,897
Salaries and employee benefits	$469,000	3,969
Premises and equipment expense	$50,000	4,831
Additional noninterest expense	$355,000	3,355
Pre-tax net operating income	$531,000	2,986
Securities gains (losses)	$0	1,153
Applicable income taxes	$130,000	2,242
Income before extraordinary items	$401,000	3,128
Extraordinary gains, net	$0	8
Net income	$401,000	3,126
Minority interest net income	$0	55
Net income of bank and minority interests.	$401,000	3,128
Net charge-offs	$53,000	1,290
Cash dividends	$443,000	1,324
Sale, conversion, retirement of capital stock, net	$24,000	408
Net operating income	$401,000	3,112
2016-12-31 (YTD Data)		Rank
Total interest income	$6,116,000	3,387
Total interest expense	$888,000	2,614
Net interest income	$5,228,000	3,480
Provision for loan and lease losses	$385,000	1,741
Total noninterest income	$511,000	4,055
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$266,000	3,159
Trading account gains and fees	$0	170
Additional Noninterest Income	$245,000	4,154
Total noninterest expense	$3,448,000	3,950
Salaries and employee benefits	$1,738,000	4,090
Premises and equipment expense	$181,000	5,015
Additional noninterest expense	$1,529,000	3,299
Pre-tax net operating income	$1,906,000	3,142
Securities gains (losses)	$166,000	979
Applicable income taxes	$502,000	2,253
Income before extraordinary items	$1,570,000	3,201
Extraordinary gains, net	$0	5
Net income	$1,570,000	3,200
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,570,000	3,200
Net charge-offs	$417,000	1,213
Cash dividends	$369,000	3,279
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,443,840	3,290
2016-09-30 (YTD Data)		Rank
Total interest income	$4,552,000	3,417
Total interest expense	$669,000	2,610
Net interest income	$3,883,000	3,519
Provision for loan and lease losses	$185,000	2,113
Total noninterest income	$386,000	4,084
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$204,000	3,129
Trading account gains and fees	$0	169
Additional Noninterest Income	$182,000	4,212
Total noninterest expense	$2,605,000	3,952
Salaries and employee benefits	$1,295,000	4,121
Premises and equipment expense	$131,000	5,077
Additional noninterest expense	$1,179,000	3,264
Pre-tax net operating income	$1,479,000	3,122
Securities gains (losses)	$106,000	1,210
Applicable income taxes	$386,000	2,269
Income before extraordinary items	$1,199,000	3,211
Extraordinary gains, net	$0	5
Net income	$1,199,000	3,211
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,199,000	3,211
Net charge-offs	$137,000	1,776
Cash dividends	$369,000	2,699
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,118,440	3,258
2016-06-30 (YTD Data)		Rank
Total interest income	$3,007,000	3,453
Total interest expense	$447,000	2,626
Net interest income	$2,560,000	3,553
Provision for loan and lease losses	$90,000	2,392
Total noninterest income	$249,000	4,137
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$132,000	3,168
Trading account gains and fees	$0	157
Additional Noninterest Income	$117,000	4,273
Total noninterest expense	$1,771,000	3,944
Salaries and employee benefits	$858,000	4,163
Premises and equipment expense	$88,000	5,108
Additional noninterest expense	$825,000	3,161
Pre-tax net operating income	$948,000	3,181
Securities gains (losses)	$74,000	1,163
Applicable income taxes	$245,000	2,318
Income before extraordinary items	$777,000	3,234
Extraordinary gains, net	$0	16
Net income	$777,000	3,232
Minority interest net income	$0	71
Net income of bank and minority interests.	$777,000	3,232
Net charge-offs	$87,000	1,747
Cash dividends	$369,000	2,305
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$720,760	3,313
2016-03-31 (YTD Data)		Rank
Total interest income	$1,477,000	3,496
Total interest expense	$223,000	2,638
Net interest income	$1,254,000	3,607
Provision for loan and lease losses	$35,000	2,443
Total noninterest income	$117,000	4,203
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$61,000	3,298
Trading account gains and fees	$0	142
Additional Noninterest Income	$56,000	4,283
Total noninterest expense	$878,000	3,988
Salaries and employee benefits	$419,000	4,244
Premises and equipment expense	$47,000	5,057
Additional noninterest expense	$412,000	3,160
Pre-tax net operating income	$458,000	3,178
Securities gains (losses)	$33,000	1,008
Applicable income taxes	$114,000	2,347
Income before extraordinary items	$377,000	3,238
Extraordinary gains, net	$0	12
Net income	$377,000	3,236
Minority interest net income	$0	62
Net income of bank and minority interests.	$377,000	3,237
Net charge-offs	$30,000	1,747
Cash dividends	$369,000	1,448
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$351,590	3,298
2015-12-31 (YTD Data)		Rank
Total interest income	$5,773,000	3,528
Total interest expense	$974,000	2,461
Net interest income	$4,799,000	3,674
Provision for loan and lease losses	$85,000	3,210
Total noninterest income	$466,000	4,277
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$235,000	3,457
Trading account gains and fees	$0	159
Additional Noninterest Income	$231,000	4,279
Total noninterest expense	$3,251,000	4,147
Salaries and employee benefits	$1,582,000	4,386
Premises and equipment expense	$171,000	5,265
Additional noninterest expense	$1,498,000	3,401
Pre-tax net operating income	$1,929,000	3,083
Securities gains (losses)	$112,000	1,103
Applicable income taxes	$479,000	2,259
Income before extraordinary items	$1,562,000	3,154
Extraordinary gains, net	$0	23
Net income	$1,562,000	3,155
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,562,000	3,156
Net charge-offs	$157,000	2,207
Cash dividends	$222,000	3,631
Sale, conversion, retirement of capital stock, net	$-70,000	6,101
Net operating income	$1,475,760	3,208
2015-09-30 (YTD Data)		Rank
Total interest income	$4,283,000	3,583
Total interest expense	$746,000	2,454
Net interest income	$3,537,000	3,752
Provision for loan and lease losses	$40,000	3,461
Total noninterest income	$350,000	4,299
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$177,000	3,463
Trading account gains and fees	$0	153
Additional Noninterest Income	$173,000	4,318
Total noninterest expense	$2,425,000	4,191
Salaries and employee benefits	$1,194,000	4,388
Premises and equipment expense	$127,000	5,329
Additional noninterest expense	$1,104,000	3,451
Pre-tax net operating income	$1,422,000	3,178
Securities gains (losses)	$77,000	1,188
Applicable income taxes	$347,000	2,344
Income before extraordinary items	$1,152,000	3,264
Extraordinary gains, net	$0	21
Net income	$1,152,000	3,262
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,152,000	3,263
Net charge-offs	$94,000	2,227
Cash dividends	$222,000	3,060
Sale, conversion, retirement of capital stock, net	$27,000	607
Net operating income	$1,092,710	3,293
2015-06-30 (YTD Data)		Rank
Total interest income	$2,840,000	3,613
Total interest expense	$504,000	2,450
Net interest income	$2,336,000	3,794
Provision for loan and lease losses	$10,000	3,765
Total noninterest income	$230,000	4,334
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$117,000	3,452
Trading account gains and fees	$0	157
Additional Noninterest Income	$113,000	4,388
Total noninterest expense	$1,617,000	4,230
Salaries and employee benefits	$796,000	4,443
Premises and equipment expense	$86,000	5,354
Additional noninterest expense	$735,000	3,477
Pre-tax net operating income	$939,000	3,182
Securities gains (losses)	$39,000	1,379
Applicable income taxes	$225,000	2,362
Income before extraordinary items	$753,000	3,274
Extraordinary gains, net	$0	22
Net income	$753,000	3,274
Minority interest net income	$0	75
Net income of bank and minority interests.	$753,000	3,275
Net charge-offs	$7,000	3,368
Cash dividends	$222,000	2,693
Sale, conversion, retirement of capital stock, net	$27,000	542
Net operating income	$722,970	3,291
2015-03-31 (YTD Data)		Rank
Total interest income	$1,414,000	3,631
Total interest expense	$256,000	2,442
Net interest income	$1,158,000	3,822
Provision for loan and lease losses	$10,000	3,223
Total noninterest income	$110,000	4,388
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$56,000	3,514
Trading account gains and fees	$0	152
Additional Noninterest Income	$54,000	4,430
Total noninterest expense	$804,000	4,286
Salaries and employee benefits	$403,000	4,440
Premises and equipment expense	$42,000	5,437
Additional noninterest expense	$359,000	3,526
Pre-tax net operating income	$454,000	3,172
Securities gains (losses)	$13,000	1,390
Applicable income taxes	$105,000	2,398
Income before extraordinary items	$362,000	3,317
Extraordinary gains, net	$0	13
Net income	$362,000	3,320
Minority interest net income	$0	64
Net income of bank and minority interests.	$362,000	3,320
Net charge-offs	$20,000	2,118
Cash dividends	$222,000	1,775
Sale, conversion, retirement of capital stock, net	$27,000	435
Net operating income	$351,860	3,289
2014-12-31 (YTD Data)		Rank
Total interest income	$5,737,000	3,626
Total interest expense	$1,119,000	2,384
Net interest income	$4,618,000	3,853
Provision for loan and lease losses	$100,000	3,178
Total noninterest income	$508,000	4,241
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$239,000	3,624
Trading account gains and fees	$0	180
Additional Noninterest Income	$269,000	4,163
Total noninterest expense	$3,063,000	4,434
Salaries and employee benefits	$1,532,000	4,587
Premises and equipment expense	$176,000	5,506
Additional noninterest expense	$1,355,000	3,779
Pre-tax net operating income	$1,963,000	3,005
Securities gains (losses)	$146,000	991
Applicable income taxes	$551,000	2,107
Income before extraordinary items	$1,558,000	3,179
Extraordinary gains, net	$0	17
Net income	$1,558,000	3,179
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,558,000	3,180
Net charge-offs	$86,000	3,322
Cash dividends	$193,000	3,759
Sale, conversion, retirement of capital stock, net	$-31,000	6,417
Net operating income	$1,449,960	3,249
2014-09-30 (YTD Data)		Rank
Total interest income	$4,274,000	3,676
Total interest expense	$850,000	2,397
Net interest income	$3,424,000	3,905
Provision for loan and lease losses	$80,000	3,050
Total noninterest income	$401,000	4,217
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$188,000	3,580
Trading account gains and fees	$0	174
Additional Noninterest Income	$213,000	4,122
Total noninterest expense	$2,281,000	4,470
Salaries and employee benefits	$1,131,000	4,636
Premises and equipment expense	$132,000	5,560
Additional noninterest expense	$1,018,000	3,783
Pre-tax net operating income	$1,464,000	3,073
Securities gains (losses)	$105,000	964
Applicable income taxes	$408,000	2,171
Income before extraordinary items	$1,161,000	3,214
Extraordinary gains, net	$0	15
Net income	$1,161,000	3,214
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,161,000	3,215
Net charge-offs	$33,000	3,555
Cash dividends	$193,000	3,115
Sale, conversion, retirement of capital stock, net	$-31,000	6,517
Net operating income	$1,083,300	3,305
2014-06-30 (YTD Data)		Rank
Total interest income	$2,826,000	3,694
Total interest expense	$571,000	2,407
Net interest income	$2,255,000	3,942
Provision for loan and lease losses	$50,000	2,981
Total noninterest income	$272,000	4,199
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$121,000	3,618
Trading account gains and fees	$0	172
Additional Noninterest Income	$151,000	4,032
Total noninterest expense	$1,524,000	4,503
Salaries and employee benefits	$753,000	4,683
Premises and equipment expense	$85,000	5,641
Additional noninterest expense	$686,000	3,786
Pre-tax net operating income	$953,000	3,043
Securities gains (losses)	$70,000	979
Applicable income taxes	$266,000	2,136
Income before extraordinary items	$757,000	3,204
Extraordinary gains, net	$0	20
Net income	$757,000	3,210
Minority interest net income	$0	80
Net income of bank and minority interests.	$757,000	3,210
Net charge-offs	$87,000	2,314
Cash dividends	$193,000	2,765
Sale, conversion, retirement of capital stock, net	$-31,000	6,599
Net operating income	$705,200	3,286
2014-03-31 (YTD Data)		Rank
Total interest income	$1,392,000	3,746
Total interest expense	$289,000	2,424
Net interest income	$1,103,000	4,009
Provision for loan and lease losses	$20,000	2,958
Total noninterest income	$109,000	4,502
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$58,000	3,686
Trading account gains and fees	$0	147
Additional Noninterest Income	$51,000	4,536
Total noninterest expense	$750,000	4,582
Salaries and employee benefits	$375,000	4,741
Premises and equipment expense	$44,000	5,666
Additional noninterest expense	$331,000	3,889
Pre-tax net operating income	$442,000	3,122
Securities gains (losses)	$25,000	887
Applicable income taxes	$118,000	2,207
Income before extraordinary items	$349,000	3,259
Extraordinary gains, net	$0	16
Net income	$349,000	3,262
Minority interest net income	$0	66
Net income of bank and minority interests.	$349,000	3,262
Net charge-offs	$33,000	2,158
Cash dividends	$193,000	1,811
Sale, conversion, retirement of capital stock, net	$27,000	428
Net operating income	$330,250	3,330
2013-12-31 (YTD Data)		Rank
Total interest income	$5,669,000	3,763
Total interest expense	$1,358,000	2,352
Net interest income	$4,311,000	4,084
Provision for loan and lease losses	$255,000	2,654
Total noninterest income	$446,000	4,580
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$238,000	3,797
Trading account gains and fees	$0	184
Additional Noninterest Income	$208,000	4,557
Total noninterest expense	$2,867,000	4,712
Salaries and employee benefits	$1,360,000	5,002
Premises and equipment expense	$196,000	5,579
Additional noninterest expense	$1,311,000	3,987
Pre-tax net operating income	$1,635,000	3,240
Securities gains (losses)	$169,000	997
Applicable income taxes	$385,000	2,397
Income before extraordinary items	$1,419,000	3,260
Extraordinary gains, net	$0	29
Net income	$1,419,000	3,262
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,419,000	3,263
Net charge-offs	$39,000	4,522
Cash dividends	$163,000	3,709
Sale, conversion, retirement of capital stock, net	$10,000	847
Net operating income	$1,285,490	3,386
2013-09-30 (YTD Data)		Rank
Total interest income	$4,217,000	3,814
Total interest expense	$1,049,000	2,349
Net interest income	$3,168,000	4,165
Provision for loan and lease losses	$165,000	2,825
Total noninterest income	$333,000	4,648
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$178,000	3,826
Trading account gains and fees	$0	180
Additional Noninterest Income	$155,000	4,664
Total noninterest expense	$2,126,000	4,764
Salaries and employee benefits	$1,004,000	5,064
Premises and equipment expense	$139,000	5,707
Additional noninterest expense	$983,000	3,984
Pre-tax net operating income	$1,210,000	3,344
Securities gains (losses)	$115,000	1,127
Applicable income taxes	$280,000	2,480
Income before extraordinary items	$1,045,000	3,345
Extraordinary gains, net	$0	25
Net income	$1,045,000	3,348
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,045,000	3,349
Net charge-offs	$12,000	4,641
Cash dividends	$163,000	3,058
Sale, conversion, retirement of capital stock, net	$10,000	772
Net operating income	$954,150	3,433
2013-06-30 (YTD Data)		Rank
Total interest income	$2,784,000	3,854
Total interest expense	$722,000	2,331
Net interest income	$2,062,000	4,227
Provision for loan and lease losses	$105,000	2,887
Total noninterest income	$214,000	4,750
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$116,000	3,839
Trading account gains and fees	$0	157
Additional Noninterest Income	$98,000	4,767
Total noninterest expense	$1,408,000	4,792
Salaries and employee benefits	$662,000	5,113
Premises and equipment expense	$81,000	5,904
Additional noninterest expense	$665,000	3,961
Pre-tax net operating income	$763,000	3,415
Securities gains (losses)	$107,000	1,068
Applicable income taxes	$185,000	2,510
Income before extraordinary items	$685,000	3,361
Extraordinary gains, net	$0	22
Net income	$685,000	3,362
Minority interest net income	$0	82
Net income of bank and minority interests.	$685,000	3,364
Net charge-offs	$-10,000	6,149
Cash dividends	$163,000	2,692
Sale, conversion, retirement of capital stock, net	$10,000	708
Net operating income	$600,470	3,504
2013-03-31 (YTD Data)		Rank
Total interest income	$1,374,000	3,911
Total interest expense	$369,000	2,359
Net interest income	$1,005,000	4,309
Provision for loan and lease losses	$50,000	2,783
Total noninterest income	$104,000	4,789
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$59,000	3,789
Trading account gains and fees	$0	148
Additional Noninterest Income	$45,000	4,841
Total noninterest expense	$718,000	4,796
Salaries and employee benefits	$342,000	5,083
Premises and equipment expense	$40,000	5,967
Additional noninterest expense	$336,000	3,955
Pre-tax net operating income	$341,000	3,563
Securities gains (losses)	$82,000	747
Applicable income taxes	$88,000	2,522
Income before extraordinary items	$335,000	3,358
Extraordinary gains, net	$0	10
Net income	$335,000	3,358
Minority interest net income	$0	76
Net income of bank and minority interests.	$335,000	3,360
Net charge-offs	$-72,000	6,786
Cash dividends	$163,000	1,760
Sale, conversion, retirement of capital stock, net	$10,000	578
Net operating income	$270,220	3,655
2012-12-31 (YTD Data)		Rank
Total interest income	$5,526,000	4,051
Total interest expense	$1,725,000	2,432
Net interest income	$3,801,000	4,534
Provision for loan and lease losses	$264,000	3,564
Total noninterest income	$468,000	4,599
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$271,000	3,681
Trading account gains and fees	$0	166
Additional Noninterest Income	$197,000	4,614
Total noninterest expense	$2,705,000	4,976
Salaries and employee benefits	$1,176,000	5,433
Premises and equipment expense	$182,000	5,851
Additional noninterest expense	$1,347,000	4,051
Pre-tax net operating income	$1,300,000	3,575
Securities gains (losses)	$209,000	1,654
Applicable income taxes	$281,000	2,716
Income before extraordinary items	$1,228,000	3,486
Extraordinary gains, net	$0	29
Net income	$1,228,000	3,488
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,228,000	3,489
Net charge-offs	$555,000	2,516
Cash dividends	$133,000	3,858
Sale, conversion, retirement of capital stock, net	$9,000	917
Net operating income	$1,058,710	3,629
2012-09-30 (YTD Data)		Rank
Total interest income	$4,126,000	4,138
Total interest expense	$1,332,000	2,464
Net interest income	$2,794,000	4,664
Provision for loan and lease losses	$224,000	3,405
Total noninterest income	$355,000	4,627
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$206,000	3,700
Trading account gains and fees	$0	157
Additional Noninterest Income	$149,000	4,643
Total noninterest expense	$1,953,000	5,123
Salaries and employee benefits	$868,000	5,496
Premises and equipment expense	$129,000	6,007
Additional noninterest expense	$956,000	4,225
Pre-tax net operating income	$972,000	3,693
Securities gains (losses)	$186,000	1,492
Applicable income taxes	$216,000	2,761
Income before extraordinary items	$942,000	3,542
Extraordinary gains, net	$0	20
Net income	$942,000	3,542
Minority interest net income	$0	86
Net income of bank and minority interests.	$942,000	3,544
Net charge-offs	$281,000	2,909
Cash dividends	$133,000	3,170
Sale, conversion, retirement of capital stock, net	$9,000	859
Net operating income	$791,340	3,713
2012-06-30 (YTD Data)		Rank
Total interest income	$2,736,000	4,184
Total interest expense	$903,000	2,518
Net interest income	$1,833,000	4,723
Provision for loan and lease losses	$164,000	3,249
Total noninterest income	$232,000	4,654
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$135,000	3,719
Trading account gains and fees	$0	153
Additional Noninterest Income	$97,000	4,697
Total noninterest expense	$1,278,000	5,199
Salaries and employee benefits	$590,000	5,502
Premises and equipment expense	$87,000	6,021
Additional noninterest expense	$601,000	4,388
Pre-tax net operating income	$623,000	3,740
Securities gains (losses)	$114,000	1,499
Applicable income taxes	$125,000	2,877
Income before extraordinary items	$612,000	3,602
Extraordinary gains, net	$0	19
Net income	$612,000	3,603
Minority interest net income	$0	84
Net income of bank and minority interests.	$612,000	3,604
Net charge-offs	$-28,000	6,872
Cash dividends	$133,000	2,822
Sale, conversion, retirement of capital stock, net	$9,000	789
Net operating income	$517,380	3,730
2012-03-31 (YTD Data)		Rank
Total interest income	$1,337,000	4,283
Total interest expense	$455,000	2,588
Net interest income	$882,000	4,850
Provision for loan and lease losses	$90,000	2,992
Total noninterest income	$118,000	4,653
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$66,000	3,777
Trading account gains and fees	$0	148
Additional Noninterest Income	$52,000	4,667
Total noninterest expense	$607,000	5,337
Salaries and employee benefits	$311,000	5,414
Premises and equipment expense	$42,000	6,119
Additional noninterest expense	$254,000	4,825
Pre-tax net operating income	$303,000	3,824
Securities gains (losses)	$50,000	1,224
Applicable income taxes	$50,000	3,068
Income before extraordinary items	$303,000	3,636
Extraordinary gains, net	$0	19
Net income	$303,000	3,639
Minority interest net income	$0	78
Net income of bank and minority interests.	$303,000	3,639
Net charge-offs	$-34,000	6,997
Cash dividends	$133,000	1,877
Sale, conversion, retirement of capital stock, net	$9,000	634
Net operating income	$260,000	3,742
2011-12-31 (YTD Data)		Rank
Total interest income	$5,523,000	4,295
Total interest expense	$2,041,000	2,738
Net interest income	$3,482,000	4,906
Provision for loan and lease losses	$834,000	2,682
Total noninterest income	$417,000	4,706
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$248,000	3,977
Trading account gains and fees	$0	146
Additional Noninterest Income	$169,000	4,673
Total noninterest expense	$2,415,000	5,414
Salaries and employee benefits	$1,107,000	5,680
Premises and equipment expense	$175,000	6,201
Additional noninterest expense	$1,133,000	4,614
Pre-tax net operating income	$650,000	4,397
Securities gains (losses)	$288,000	1,167
Applicable income taxes	$2,000	4,563
Income before extraordinary items	$936,000	3,669
Extraordinary gains, net	$0	29
Net income	$936,000	3,672
Minority interest net income	$0	96
Net income of bank and minority interests.	$936,000	3,672
Net charge-offs	$258,000	3,977
Cash dividends	$118,000	3,685
Sale, conversion, retirement of capital stock, net	$23,000	929
Net operating income	$648,000	4,155
2011-09-30 (YTD Data)		Rank
Total interest income	$4,137,000	4,349
Total interest expense	$1,559,000	2,796
Net interest income	$2,578,000	4,979
Provision for loan and lease losses	$814,000	2,250
Total noninterest income	$311,000	4,762
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$184,000	4,015
Trading account gains and fees	$0	145
Additional Noninterest Income	$127,000	4,782
Total noninterest expense	$1,790,000	5,457
Salaries and employee benefits	$823,000	5,715
Premises and equipment expense	$126,000	6,306
Additional noninterest expense	$841,000	4,644
Pre-tax net operating income	$285,000	5,177
Securities gains (losses)	$150,000	1,432
Applicable income taxes	$-26,000	6,860
Income before extraordinary items	$461,000	4,454
Extraordinary gains, net	$0	21
Net income	$461,000	4,455
Minority interest net income	$0	87
Net income of bank and minority interests.	$461,000	4,455
Net charge-offs	$251,000	3,440
Cash dividends	$118,000	3,056
Sale, conversion, retirement of capital stock, net	$8,000	948
Net operating income	$311,000	4,892
2011-06-30 (YTD Data)		Rank
Total interest income	$2,730,000	4,414
Total interest expense	$1,060,000	2,838
Net interest income	$1,670,000	5,059
Provision for loan and lease losses	$284,000	3,098
Total noninterest income	$197,000	4,898
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$116,000	4,111
Trading account gains and fees	$0	153
Additional Noninterest Income	$81,000	4,876
Total noninterest expense	$1,168,000	5,575
Salaries and employee benefits	$544,000	5,784
Premises and equipment expense	$84,000	6,363
Additional noninterest expense	$540,000	4,805
Pre-tax net operating income	$415,000	4,143
Securities gains (losses)	$91,000	1,204
Applicable income taxes	$59,000	3,256
Income before extraordinary items	$447,000	3,781
Extraordinary gains, net	$0	15
Net income	$447,000	3,781
Minority interest net income	$0	89
Net income of bank and minority interests.	$447,000	3,782
Net charge-offs	$124,000	3,625
Cash dividends	$118,000	2,703
Sale, conversion, retirement of capital stock, net	$8,000	867
Net operating income	$366,920	4,045
2011-03-31 (YTD Data)		Rank
Total interest income	$1,343,000	4,491
Total interest expense	$535,000	2,884
Net interest income	$808,000	5,150
Provision for loan and lease losses	$138,000	2,978
Total noninterest income	$96,000	4,984
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$54,000	4,208
Trading account gains and fees	$0	158
Additional Noninterest Income	$42,000	4,925
Total noninterest expense	$576,000	5,644
Salaries and employee benefits	$267,000	5,852
Premises and equipment expense	$45,000	6,311
Additional noninterest expense	$264,000	4,855
Pre-tax net operating income	$190,000	4,323
Securities gains (losses)	$53,000	741
Applicable income taxes	$29,000	3,217
Income before extraordinary items	$214,000	3,865
Extraordinary gains, net	$0	9
Net income	$214,000	3,863
Minority interest net income	$0	86
Net income of bank and minority interests.	$214,000	3,865
Net charge-offs	$18,000	4,096
Cash dividends	$118,000	1,808
Sale, conversion, retirement of capital stock, net	$8,000	722
Net operating income	$167,360	4,228
2010-12-31 (YTD Data)		Rank
Total interest income	$5,147,000	4,739
Total interest expense	$2,254,000	3,240
Net interest income	$2,893,000	5,454
Provision for loan and lease losses	$380,000	4,516
Total noninterest income	$432,000	4,829
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$282,000	3,752
Trading account gains and fees	$0	175
Additional Noninterest Income	$150,000	4,981
Total noninterest expense	$2,262,000	5,732
Salaries and employee benefits	$1,065,000	5,901
Premises and equipment expense	$188,000	6,303
Additional noninterest expense	$1,009,000	5,067
Pre-tax net operating income	$683,000	3,950
Securities gains (losses)	$183,000	1,667
Applicable income taxes	$85,000	3,340
Income before extraordinary items	$781,000	3,645
Extraordinary gains, net	$0	29
Net income	$781,000	3,642
Minority interest net income	$0	111
Net income of bank and minority interests.	$781,000	3,645
Net charge-offs	$353,000	4,095
Cash dividends	$89,000	3,772
Sale, conversion, retirement of capital stock, net	$19,000	1,105
Net operating income	$616,300	3,890
2010-09-30 (YTD Data)		Rank
Total interest income	$3,808,000	4,873
Total interest expense	$1,680,000	3,381
Net interest income	$2,128,000	5,568
Provision for loan and lease losses	$240,000	4,632
Total noninterest income	$338,000	4,829
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$224,000	3,714
Trading account gains and fees	$0	165
Additional Noninterest Income	$114,000	5,033
Total noninterest expense	$1,678,000	5,802
Salaries and employee benefits	$795,000	5,968
Premises and equipment expense	$139,000	6,416
Additional noninterest expense	$744,000	5,106
Pre-tax net operating income	$548,000	4,078
Securities gains (losses)	$115,000	1,823
Applicable income taxes	$68,000	3,378
Income before extraordinary items	$595,000	3,799
Extraordinary gains, net	$0	23
Net income	$595,000	3,799
Minority interest net income	$0	110
Net income of bank and minority interests.	$595,000	3,800
Net charge-offs	$29,000	5,846
Cash dividends	$89,000	3,248
Sale, conversion, retirement of capital stock, net	$7,000	1,080
Net operating income	$491,500	3,995
2010-06-30 (YTD Data)		Rank
Total interest income	$2,481,000	4,971
Total interest expense	$1,112,000	3,512
Net interest income	$1,369,000	5,671
Provision for loan and lease losses	$125,000	4,845
Total noninterest income	$227,000	4,805
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$153,000	3,658
Trading account gains and fees	$0	152
Additional Noninterest Income	$74,000	5,083
Total noninterest expense	$1,113,000	5,848
Salaries and employee benefits	$531,000	6,008
Premises and equipment expense	$95,000	6,394
Additional noninterest expense	$487,000	5,153
Pre-tax net operating income	$358,000	4,142
Securities gains (losses)	$43,000	1,985
Applicable income taxes	$28,000	3,609
Income before extraordinary items	$373,000	3,906
Extraordinary gains, net	$0	19
Net income	$373,000	3,904
Minority interest net income	$0	105
Net income of bank and minority interests.	$373,000	3,905
Net charge-offs	$12,000	5,739
Cash dividends	$89,000	2,925
Sale, conversion, retirement of capital stock, net	$7,000	992
Net operating income	$333,010	3,986
2010-03-31 (YTD Data)		Rank
Total interest income	$1,204,000	5,123
Total interest expense	$553,000	3,656
Net interest income	$651,000	5,808
Provision for loan and lease losses	$70,000	4,445
Total noninterest income	$110,000	4,885
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$72,000	3,776
Trading account gains and fees	$0	175
Additional Noninterest Income	$38,000	5,122
Total noninterest expense	$525,000	6,064
Salaries and employee benefits	$258,000	6,127
Premises and equipment expense	$44,000	6,603
Additional noninterest expense	$223,000	5,424
Pre-tax net operating income	$166,000	4,384
Securities gains (losses)	$24,000	1,449
Applicable income taxes	$13,000	3,663
Income before extraordinary items	$177,000	4,104
Extraordinary gains, net	$0	16
Net income	$177,000	4,103
Minority interest net income	$0	91
Net income of bank and minority interests.	$177,000	4,103
Net charge-offs	$-4,000	7,239
Cash dividends	$89,000	1,989
Sale, conversion, retirement of capital stock, net	$7,000	864
Net operating income	$154,680	4,232
2009-12-31 (YTD Data)		Rank
Total interest income	$4,735,000	5,283
Total interest expense	$2,261,000	4,137
Net interest income	$2,474,000	5,864
Provision for loan and lease losses	$225,000	5,638
Total noninterest income	$414,000	5,062
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$279,000	4,029
Trading account gains and fees	$0	211
Additional Noninterest Income	$135,000	5,244
Total noninterest expense	$2,111,000	6,099
Salaries and employee benefits	$985,000	6,259
Premises and equipment expense	$166,000	6,784
Additional noninterest expense	$960,000	5,338
Pre-tax net operating income	$552,000	3,878
Securities gains (losses)	$44,000	2,697
Applicable income taxes	$-7,000	6,217
Income before extraordinary items	$603,000	3,584
Extraordinary gains, net	$0	34
Net income	$603,000	3,583
Minority interest net income	$0	115
Net income of bank and minority interests.	$603,000	3,583
Net charge-offs	$98,000	5,708
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$10,000	1,283
Net operating income	$559,000	3,622
2009-09-30 (YTD Data)		Rank
Total interest income	$3,505,000	5,386
Total interest expense	$1,690,000	4,278
Net interest income	$1,815,000	5,936
Provision for loan and lease losses	$135,000	5,613
Total noninterest income	$312,000	5,124
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$209,000	4,048
Trading account gains and fees	$0	212
Additional Noninterest Income	$103,000	5,351
Total noninterest expense	$1,540,000	6,190
Salaries and employee benefits	$734,000	6,326
Premises and equipment expense	$122,000	6,862
Additional noninterest expense	$684,000	5,475
Pre-tax net operating income	$452,000	4,028
Securities gains (losses)	$27,000	2,619
Applicable income taxes	$4,000	4,272
Income before extraordinary items	$475,000	3,776
Extraordinary gains, net	$0	27
Net income	$475,000	3,774
Minority interest net income	$0	118
Net income of bank and minority interests.	$475,000	3,775
Net charge-offs	$25,000	6,127
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$448,270	3,777
2009-06-30 (YTD Data)		Rank
Total interest income	$2,314,000	5,462
Total interest expense	$1,124,000	4,404
Net interest income	$1,190,000	5,983
Provision for loan and lease losses	$102,000	5,288
Total noninterest income	$200,000	5,223
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$134,000	4,095
Trading account gains and fees	$0	193
Additional Noninterest Income	$66,000	5,442
Total noninterest expense	$989,000	6,324
Salaries and employee benefits	$485,000	6,404
Premises and equipment expense	$79,000	6,963
Additional noninterest expense	$425,000	5,673
Pre-tax net operating income	$299,000	4,136
Securities gains (losses)	$23,000	2,272
Applicable income taxes	$3,000	4,355
Income before extraordinary items	$319,000	3,871
Extraordinary gains, net	$0	21
Net income	$319,000	3,870
Minority interest net income	$0	112
Net income of bank and minority interests.	$319,000	3,870
Net charge-offs	$0	6,628
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$296,230	3,868
2009-03-31 (YTD Data)		Rank
Total interest income	$1,135,000	5,563
Total interest expense	$566,000	4,492
Net interest income	$569,000	6,099
Provision for loan and lease losses	$42,000	5,134
Total noninterest income	$101,000	5,194
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$68,000	4,022
Trading account gains and fees	$0	171
Additional Noninterest Income	$33,000	5,480
Total noninterest expense	$473,000	6,395
Salaries and employee benefits	$243,000	6,455
Premises and equipment expense	$39,000	7,024
Additional noninterest expense	$191,000	5,708
Pre-tax net operating income	$155,000	4,453
Securities gains (losses)	$-5,000	7,781
Applicable income taxes	$-5,000	7,129
Income before extraordinary items	$155,000	4,290
Extraordinary gains, net	$0	15
Net income	$155,000	4,292
Minority interest net income	$0	102
Net income of bank and minority interests.	$155,000	4,293
Net charge-offs	$-15,000	7,940
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$160,000	4,075
2008-12-31 (YTD Data)		Rank
Total interest income	$4,425,000	5,784
Total interest expense	$2,289,000	4,971
Net interest income	$2,136,000	6,287
Provision for loan and lease losses	$133,000	5,704
Total noninterest income	$420,000	5,188
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$291,000	4,070
Trading account gains and fees	$0	154
Additional Noninterest Income	$129,000	5,550
Total noninterest expense	$1,852,000	6,430
Salaries and employee benefits	$931,000	6,583
Premises and equipment expense	$188,000	6,789
Additional noninterest expense	$733,000	5,701
Pre-tax net operating income	$571,000	4,681
Securities gains (losses)	$-419,000	7,490
Applicable income taxes	$-104,000	7,084
Income before extraordinary items	$256,000	5,276
Extraordinary gains, net	$0	39
Net income	$256,000	5,274
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	5,377
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$20,000	1,257
Net operating income	$675,000	4,145
2008-09-30 (YTD Data)		Rank
Total interest income	$3,271,000	5,886
Total interest expense	$1,722,000	5,096
Net interest income	$1,549,000	6,398
Provision for loan and lease losses	$81,000	5,423
Total noninterest income	$313,000	5,296
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$214,000	4,125
Trading account gains and fees	$0	148
Additional Noninterest Income	$99,000	5,644
Total noninterest expense	$1,401,000	6,397
Salaries and employee benefits	$715,000	6,544
Premises and equipment expense	$136,000	6,887
Additional noninterest expense	$550,000	5,658
Pre-tax net operating income	$380,000	5,339
Securities gains (losses)	$-417,000	7,723
Applicable income taxes	$-124,000	7,574
Income before extraordinary items	$87,000	6,242
Extraordinary gains, net	$0	31
Net income	$87,000	6,242
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	4,819
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$10,000	1,146
Net operating income	$353,880	5,144
2008-06-30 (YTD Data)		Rank
Total interest income	$2,134,000	6,002
Total interest expense	$1,162,000	5,208
Net interest income	$972,000	6,546
Provision for loan and lease losses	$34,000	5,522
Total noninterest income	$201,000	5,418
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$139,000	4,184
Trading account gains and fees	$0	149
Additional Noninterest Income	$62,000	5,823
Total noninterest expense	$925,000	6,462
Salaries and employee benefits	$472,000	6,619
Premises and equipment expense	$91,000	6,912
Additional noninterest expense	$362,000	5,695
Pre-tax net operating income	$214,000	5,722
Securities gains (losses)	$73,000	1,178
Applicable income taxes	$28,000	4,472
Income before extraordinary items	$259,000	5,228
Extraordinary gains, net	$0	21
Net income	$259,000	5,229
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	4,471
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$10,000	1,019
Net operating income	$193,300	5,599
2008-03-31 (YTD Data)		Rank
Total interest income	$1,064,000	6,073
Total interest expense	$585,000	5,355
Net interest income	$479,000	6,599
Provision for loan and lease losses	$11,000	5,386
Total noninterest income	$106,000	5,305
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$73,000	4,064
Trading account gains and fees	$0	158
Additional Noninterest Income	$33,000	5,761
Total noninterest expense	$453,000	6,550
Salaries and employee benefits	$235,000	6,661
Premises and equipment expense	$48,000	6,848
Additional noninterest expense	$170,000	5,815
Pre-tax net operating income	$121,000	5,756
Securities gains (losses)	$33,000	1,317
Applicable income taxes	$20,000	4,373
Income before extraordinary items	$134,000	5,401
Extraordinary gains, net	$0	15
Net income	$134,000	5,403
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,797
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$10,000	822
Net operating income	$105,290	5,680
2007-12-31 (YTD Data)		Rank
Total interest income	$4,065,000	6,198
Total interest expense	$1,986,000	5,847
Net interest income	$2,079,000	6,406
Provision for loan and lease losses	$72,000	5,309
Total noninterest income	$354,000	5,736
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$252,000	4,441
Trading account gains and fees	$0	178
Additional Noninterest Income	$102,000	6,187
Total noninterest expense	$1,758,000	6,539
Salaries and employee benefits	$910,000	6,665
Premises and equipment expense	$192,000	6,818
Additional noninterest expense	$656,000	5,910
Pre-tax net operating income	$603,000	5,680
Securities gains (losses)	$3,000	1,730
Applicable income taxes	$133,000	4,244
Income before extraordinary items	$473,000	5,778
Extraordinary gains, net	$0	39
Net income	$473,000	5,776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	4,631
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$17,000	1,202
Net operating income	$470,660	5,783
2007-09-30 (YTD Data)		Rank
Total interest income	$3,001,000	6,260
Total interest expense	$1,443,000	5,938
Net interest income	$1,558,000	6,445
Provision for loan and lease losses	$61,000	4,820
Total noninterest income	$262,000	5,808
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$183,000	4,523
Trading account gains and fees	$0	184
Additional Noninterest Income	$79,000	6,171
Total noninterest expense	$1,299,000	6,568
Salaries and employee benefits	$680,000	6,661
Premises and equipment expense	$139,000	6,871
Additional noninterest expense	$480,000	5,920
Pre-tax net operating income	$460,000	5,927
Securities gains (losses)	$0	1,655
Applicable income taxes	$107,000	4,376
Income before extraordinary items	$353,000	6,040
Extraordinary gains, net	$0	33
Net income	$353,000	6,038
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	3,603
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$9,000	1,078
Net operating income	$353,000	6,027
2007-06-30 (YTD Data)		Rank
Total interest income	$1,957,000	6,345
Total interest expense	$936,000	6,016
Net interest income	$1,021,000	6,537
Provision for loan and lease losses	$46,000	4,481
Total noninterest income	$174,000	5,857
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$122,000	4,550
Trading account gains and fees	$0	168
Additional Noninterest Income	$52,000	6,215
Total noninterest expense	$843,000	6,683
Salaries and employee benefits	$450,000	6,732
Premises and equipment expense	$91,000	6,934
Additional noninterest expense	$302,000	6,099
Pre-tax net operating income	$306,000	5,993
Securities gains (losses)	$0	1,444
Applicable income taxes	$75,000	4,410
Income before extraordinary items	$231,000	6,144
Extraordinary gains, net	$0	29
Net income	$231,000	6,143
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	3,125
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$9,000	974
Net operating income	$231,000	6,132
2007-03-31 (YTD Data)		Rank
Total interest income	$952,000	6,421
Total interest expense	$452,000	6,094
Net interest income	$500,000	6,607
Provision for loan and lease losses	$24,000	4,189
Total noninterest income	$89,000	5,768
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$59,000	4,564
Trading account gains and fees	$0	195
Additional Noninterest Income	$30,000	5,964
Total noninterest expense	$418,000	6,727
Salaries and employee benefits	$227,000	6,753
Premises and equipment expense	$46,000	6,946
Additional noninterest expense	$145,000	6,208
Pre-tax net operating income	$147,000	6,091
Securities gains (losses)	$0	1,187
Applicable income taxes	$37,000	4,433
Income before extraordinary items	$110,000	6,239
Extraordinary gains, net	$0	22
Net income	$110,000	6,238
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	2,253
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$110,000	6,222
2006-12-31 (YTD Data)		Rank
Total interest income	$3,457,000	6,446
Total interest expense	$1,500,000	6,111
Net interest income	$1,957,000	6,603
Provision for loan and lease losses	$82,000	5,002
Total noninterest income	$286,000	6,269
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$204,000	4,941
Trading account gains and fees	$0	130
Additional Noninterest Income	$82,000	6,632
Total noninterest expense	$1,659,000	6,633
Salaries and employee benefits	$868,000	6,752
Premises and equipment expense	$185,000	6,878
Additional noninterest expense	$606,000	6,038
Pre-tax net operating income	$502,000	6,476
Securities gains (losses)	$2,000	1,439
Applicable income taxes	$143,000	4,655
Income before extraordinary items	$361,000	6,673
Extraordinary gains, net	$0	51
Net income	$361,000	6,677
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	3,898
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$16,000	1,121
Net operating income	$359,560	6,678
2006-09-30 (YTD Data)		Rank
Total interest income	$2,530,000	6,524
Total interest expense	$1,081,000	6,154
Net interest income	$1,449,000	6,709
Provision for loan and lease losses	$53,000	5,008
Total noninterest income	$214,000	6,331
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$151,000	5,030
Trading account gains and fees	$0	126
Additional Noninterest Income	$63,000	6,605
Total noninterest expense	$1,232,000	6,677
Salaries and employee benefits	$645,000	6,766
Premises and equipment expense	$139,000	6,904
Additional noninterest expense	$448,000	6,075
Pre-tax net operating income	$378,000	6,701
Securities gains (losses)	$0	1,388
Applicable income taxes	$118,000	4,755
Income before extraordinary items	$260,000	6,919
Extraordinary gains, net	$0	45
Net income	$260,000	6,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,294
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$8,000	971
Net operating income	$260,000	6,925
2006-06-30 (YTD Data)		Rank
Total interest income	$1,627,000	6,613
Total interest expense	$686,000	6,173
Net interest income	$941,000	6,811
Provision for loan and lease losses	$40,000	4,712
Total noninterest income	$141,000	6,351
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$99,000	5,045
Trading account gains and fees	$0	126
Additional Noninterest Income	$42,000	6,634
Total noninterest expense	$810,000	6,738
Salaries and employee benefits	$425,000	6,831
Premises and equipment expense	$91,000	6,962
Additional noninterest expense	$294,000	6,135
Pre-tax net operating income	$232,000	6,871
Securities gains (losses)	$0	1,185
Applicable income taxes	$79,000	4,787
Income before extraordinary items	$153,000	7,133
Extraordinary gains, net	$0	39
Net income	$153,000	7,135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	3,889
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$8,000	808
Net operating income	$153,000	7,147
2006-03-31 (YTD Data)		Rank
Total interest income	$789,000	6,674
Total interest expense	$324,000	6,224
Net interest income	$465,000	6,863
Provision for loan and lease losses	$23,000	4,400
Total noninterest income	$75,000	6,200
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$49,000	5,002
Trading account gains and fees	$0	115
Additional Noninterest Income	$26,000	6,300
Total noninterest expense	$405,000	6,747
Salaries and employee benefits	$212,000	6,844
Premises and equipment expense	$46,000	6,927
Additional noninterest expense	$147,000	6,114
Pre-tax net operating income	$112,000	6,911
Securities gains (losses)	$0	955
Applicable income taxes	$38,000	4,781
Income before extraordinary items	$74,000	7,134
Extraordinary gains, net	$0	21
Net income	$74,000	7,134
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	3,757
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$8,000	564
Net operating income	$74,000	7,135
2005-12-31 (YTD Data)		Rank
Total interest income	$2,673,000	6,862
Total interest expense	$976,000	6,336
Net interest income	$1,697,000	7,034
Provision for loan and lease losses	$88,000	5,023
Total noninterest income	$268,000	6,540
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$186,000	5,184
Trading account gains and fees	$0	138
Additional Noninterest Income	$82,000	6,710
Total noninterest expense	$1,519,000	6,849
Salaries and employee benefits	$769,000	7,026
Premises and equipment expense	$178,000	6,969
Additional noninterest expense	$572,000	6,200
Pre-tax net operating income	$358,000	7,206
Securities gains (losses)	$0	2,296
Applicable income taxes	$1,000	6,850
Income before extraordinary items	$357,000	6,948
Extraordinary gains, net	$0	46
Net income	$357,000	6,948
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,059
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$357,000	6,935
2005-09-30 (YTD Data)		Rank
Total interest income	$1,943,000	6,942
Total interest expense	$689,000	6,401
Net interest income	$1,254,000	7,095
Provision for loan and lease losses	$73,000	4,744
Total noninterest income	$208,000	6,528
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$141,000	5,203
Trading account gains and fees	$0	126
Additional Noninterest Income	$67,000	6,581
Total noninterest expense	$1,121,000	6,892
Salaries and employee benefits	$568,000	7,054
Premises and equipment expense	$131,000	6,988
Additional noninterest expense	$422,000	6,219
Pre-tax net operating income	$268,000	7,341
Securities gains (losses)	$0	2,317
Applicable income taxes	$-19,000	8,629
Income before extraordinary items	$287,000	6,988
Extraordinary gains, net	$0	35
Net income	$287,000	6,987
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	3,490
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$287,000	6,947
2005-06-30 (YTD Data)		Rank
Total interest income	$1,253,000	6,980
Total interest expense	$437,000	6,391
Net interest income	$816,000	7,149
Provision for loan and lease losses	$55,000	4,424
Total noninterest income	$137,000	6,517
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$91,000	5,229
Trading account gains and fees	$0	116
Additional Noninterest Income	$46,000	6,538
Total noninterest expense	$729,000	6,972
Salaries and employee benefits	$368,000	7,136
Premises and equipment expense	$86,000	7,006
Additional noninterest expense	$275,000	6,250
Pre-tax net operating income	$169,000	7,413
Securities gains (losses)	$0	2,146
Applicable income taxes	$-53,000	8,714
Income before extraordinary items	$222,000	6,744
Extraordinary gains, net	$0	30
Net income	$222,000	6,745
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	3,582
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$222,000	6,695
2005-03-31 (YTD Data)		Rank
Total interest income	$601,000	7,098
Total interest expense	$204,000	6,491
Net interest income	$397,000	7,264
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$64,000	6,628
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$44,000	5,270
Trading account gains and fees	$0	115
Additional Noninterest Income	$20,000	6,849
Total noninterest expense	$355,000	7,071
Salaries and employee benefits	$184,000	7,197
Premises and equipment expense	$43,000	7,087
Additional noninterest expense	$128,000	6,480
Pre-tax net operating income	$76,000	7,552
Securities gains (losses)	$0	1,685
Applicable income taxes	$-85,000	8,826
Income before extraordinary items	$161,000	5,952
Extraordinary gains, net	$0	24
Net income	$161,000	5,953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	2,544
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$161,000	5,915
2004-12-31 (YTD Data)		Rank
Total interest income	$2,113,000	7,264
Total interest expense	$691,000	6,628
Net interest income	$1,422,000	7,428
Provision for loan and lease losses	$151,000	4,218
Total noninterest income	$271,000	6,604
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$140,000	5,923
Trading account gains and fees	$0	138
Additional Noninterest Income	$131,000	5,952
Total noninterest expense	$1,197,000	7,450
Salaries and employee benefits	$638,000	7,520
Premises and equipment expense	$141,000	7,433
Additional noninterest expense	$418,000	7,032
Pre-tax net operating income	$345,000	7,290
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$345,000	7,040
Extraordinary gains, net	$0	34
Net income	$345,000	7,041
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,198
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$345,000	6,987
2004-09-30 (YTD Data)		Rank
Total interest income	$1,523,000	7,374
Total interest expense	$501,000	6,695
Net interest income	$1,022,000	7,528
Provision for loan and lease losses	$102,000	4,242
Total noninterest income	$229,000	6,408
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$111,000	5,858
Trading account gains and fees	$0	134
Additional Noninterest Income	$118,000	5,608
Total noninterest expense	$845,000	7,548
Salaries and employee benefits	$445,000	7,636
Premises and equipment expense	$98,000	7,564
Additional noninterest expense	$302,000	7,066
Pre-tax net operating income	$304,000	7,187
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$304,000	6,868
Extraordinary gains, net	$0	26
Net income	$304,000	6,868
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	4,796
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$304,000	6,797
2004-06-30 (YTD Data)		Rank
Total interest income	$967,000	7,506
Total interest expense	$321,000	6,815
Net interest income	$646,000	7,673
Provision for loan and lease losses	$70,000	4,107
Total noninterest income	$106,000	7,117
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$74,000	5,866
Trading account gains and fees	$0	130
Additional Noninterest Income	$32,000	7,137
Total noninterest expense	$555,000	7,623
Salaries and employee benefits	$282,000	7,805
Premises and equipment expense	$62,000	7,681
Additional noninterest expense	$211,000	7,009
Pre-tax net operating income	$127,000	7,709
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$127,000	7,525
Extraordinary gains, net	$0	21
Net income	$127,000	7,525
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,839
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$127,000	7,457
2004-03-31 (YTD Data)		Rank
Total interest income	$462,000	7,662
Total interest expense	$153,000	7,000
Net interest income	$309,000	7,791
Provision for loan and lease losses	$36,000	3,870
Total noninterest income	$48,000	7,273
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	$13,000	7,451
Total noninterest expense	$275,000	7,678
Salaries and employee benefits	$141,000	7,838
Premises and equipment expense	$31,000	7,720
Additional noninterest expense	$103,000	7,078
Pre-tax net operating income	$46,000	7,970
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$46,000	7,858
Extraordinary gains, net	$0	16
Net income	$46,000	7,857
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$46,000	7,799
2003-12-31 (YTD Data)		Rank
Total interest income	$1,309,000	8,269
Total interest expense	$523,000	7,665
Net interest income	$786,000	8,436
Provision for loan and lease losses	$151,000	4,558
Total noninterest income	$119,000	8,114
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$79,000	6,910
Trading account gains and fees	$0	160
Additional Noninterest Income	$40,000	7,815
Total noninterest expense	$972,000	7,953
Salaries and employee benefits	$499,000	8,081
Premises and equipment expense	$125,000	7,733
Additional noninterest expense	$348,000	7,461
Pre-tax net operating income	$-218,000	8,700
Securities gains (losses)	$1,000	4,307
Applicable income taxes	$0	7,459
Income before extraordinary items	$-217,000	8,788
Extraordinary gains, net	$0	54
Net income	$-217,000	8,791
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,674
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-218,000	8,720
2003-09-30 (YTD Data)		Rank
Total interest income	$878,000	8,517
Total interest expense	$370,000	7,912
Net interest income	$508,000	8,661
Provision for loan and lease losses	$116,000	4,420
Total noninterest income	$88,000	8,182
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$57,000	7,032
Trading account gains and fees	$0	153
Additional Noninterest Income	$31,000	7,823
Total noninterest expense	$656,000	8,126
Salaries and employee benefits	$356,000	8,166
Premises and equipment expense	$63,000	8,316
Additional noninterest expense	$237,000	7,679
Pre-tax net operating income	$-176,000	8,803
Securities gains (losses)	$1,000	4,000
Applicable income taxes	$0	7,524
Income before extraordinary items	$-175,000	8,880
Extraordinary gains, net	$0	40
Net income	$-175,000	8,881
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	6,184
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-176,000	8,813
2003-06-30 (YTD Data)		Rank
Total interest income	$519,000	8,684
Total interest expense	$230,000	8,141
Net interest income	$289,000	8,821
Provision for loan and lease losses	$84,000	4,244
Total noninterest income	$51,000	8,344
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$33,000	7,215
Trading account gains and fees	$0	150
Additional Noninterest Income	$18,000	7,952
Total noninterest expense	$422,000	8,217
Salaries and employee benefits	$228,000	8,271
Premises and equipment expense	$43,000	8,290
Additional noninterest expense	$151,000	7,757
Pre-tax net operating income	$-166,000	8,898
Securities gains (losses)	$1,000	3,586
Applicable income taxes	$0	7,529
Income before extraordinary items	$-165,000	8,979
Extraordinary gains, net	$0	30
Net income	$-165,000	8,979
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,879
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-166,000	8,905
2003-03-31 (YTD Data)		Rank
Total interest income	$217,000	8,883
Total interest expense	$105,000	8,367
Net interest income	$112,000	9,024
Provision for loan and lease losses	$45,000	3,818
Total noninterest income	$13,000	8,892
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$9,000	7,710
Trading account gains and fees	$0	134
Additional Noninterest Income	$4,000	8,607
Total noninterest expense	$194,000	8,394
Salaries and employee benefits	$113,000	8,316
Premises and equipment expense	$19,000	8,461
Additional noninterest expense	$62,000	8,151
Pre-tax net operating income	$-114,000	8,987
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-114,000	9,051
Extraordinary gains, net	$0	21
Net income	$-114,000	9,048
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,022
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-114,000	8,984
2002-12-31 (YTD Data)		Rank
Total interest income	$208,000	9,273
Total interest expense	$67,000	9,224
Net interest income	$141,000	9,273
Provision for loan and lease losses	$80,000	6,062
Total noninterest income	$6,000	9,253
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,000	8,184
Trading account gains and fees	$0	153
Additional Noninterest Income	$5,000	9,073
Total noninterest expense	$565,000	8,853
Salaries and employee benefits	$259,000	9,027
Premises and equipment expense	$52,000	8,861
Additional noninterest expense	$254,000	8,147
Pre-tax net operating income	$-498,000	8,978
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$-498,000	9,037
Extraordinary gains, net	$0	70
Net income	$-498,000	9,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,632
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$7,354,000	93
Net operating income	$-498,000	8,992

* 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.