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Oxford Bank, Income and Expense

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2024-03-31 (YTD Data)		Rank
Total interest income	$12,362,000	1,031
Total interest expense	$1,942,000	1,903
Net interest income	$10,420,000	795
Provision for loan and lease losses	$-43,000	4,274
Total noninterest income	$1,651,000	976
Gross Fiduciary activities income	$0	895
Service charges on deposit accounts	$155,000	1,425
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,496,000	777
Total noninterest expense	$7,514,000	915
Salaries and employee benefits	$4,534,000	853
Premises and equipment expense	$542,000	1,155
Additional noninterest expense	$1,496,000	777
Pre-tax net operating income	$4,600,000	698
Securities gains (losses)	$0	689
Applicable income taxes	$860,000	674
Income before extraordinary items	$3,740,000	722
Extraordinary gains, net	$0	51
Net income	$3,427,000	777
Minority interest net income	$313,000	31
Net income of bank and minority interests.	$3,740,000	722
Net charge-offs	$-86,000	4,463
Cash dividends	$530,000	1,246
Sale, conversion, retirement of capital stock, net	$0	434
Net operating income	$3,740,000	718
2023-12-31 (YTD Data)		Rank
Total interest income	$43,623,000	1,047
Total interest expense	$4,972,000	2,018
Net interest income	$38,651,000	829
Provision for loan and lease losses	$1,895,000	569
Total noninterest income	$6,528,000	994
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$589,000	1,481
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,939,000	789
Total noninterest expense	$27,322,000	959
Salaries and employee benefits	$15,956,000	920
Premises and equipment expense	$2,022,000	1,206
Additional noninterest expense	$5,939,000	789
Pre-tax net operating income	$15,962,000	812
Securities gains (losses)	$0	988
Applicable income taxes	$2,788,000	779
Income before extraordinary items	$13,174,000	811
Extraordinary gains, net	$0	54
Net income	$12,662,000	844
Minority interest net income	$512,000	33
Net income of bank and minority interests.	$13,174,000	814
Net charge-offs	$1,233,000	474
Cash dividends	$2,120,000	1,472
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$13,174,000	822
2023-09-30 (YTD Data)		Rank
Total interest income	$32,256,000	1,038
Total interest expense	$3,326,000	2,049
Net interest income	$28,930,000	836
Provision for loan and lease losses	$920,000	689
Total noninterest income	$4,770,000	1,029
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$440,000	1,487
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,330,000	818
Total noninterest expense	$19,969,000	977
Salaries and employee benefits	$11,748,000	936
Premises and equipment expense	$1,435,000	1,274
Additional noninterest expense	$4,330,000	818
Pre-tax net operating income	$12,811,000	795
Securities gains (losses)	$0	849
Applicable income taxes	$2,438,000	741
Income before extraordinary items	$10,373,000	813
Extraordinary gains, net	$0	52
Net income	$10,157,000	827
Minority interest net income	$216,000	42
Net income of bank and minority interests.	$10,373,000	813
Net charge-offs	$1,000	2,548
Cash dividends	$1,590,000	1,321
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$10,373,000	829
2023-06-30 (YTD Data)		Rank
Total interest income	$20,622,000	1,044
Total interest expense	$1,844,000	2,118
Net interest income	$18,778,000	858
Provision for loan and lease losses	$174,000	1,444
Total noninterest income	$3,060,000	990
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$293,000	1,479
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,767,000	790
Total noninterest expense	$13,121,000	974
Salaries and employee benefits	$7,527,000	962
Premises and equipment expense	$989,000	1,223
Additional noninterest expense	$2,767,000	790
Pre-tax net operating income	$8,543,000	799
Securities gains (losses)	$0	938
Applicable income taxes	$1,521,000	781
Income before extraordinary items	$7,022,000	795
Extraordinary gains, net	$0	51
Net income	$6,857,000	829
Minority interest net income	$165,000	39
Net income of bank and minority interests.	$7,022,000	795
Net charge-offs	$1,000	2,309
Cash dividends	$530,000	1,902
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$7,022,000	805
2023-03-31 (YTD Data)		Rank
Total interest income	$9,959,000	1,061
Total interest expense	$570,000	2,489
Net interest income	$9,389,000	877
Provision for loan and lease losses	$0	2,612
Total noninterest income	$1,730,000	925
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$143,000	1,514
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,587,000	714
Total noninterest expense	$6,538,000	996
Salaries and employee benefits	$3,834,000	969
Premises and equipment expense	$500,000	1,244
Additional noninterest expense	$1,587,000	714
Pre-tax net operating income	$4,581,000	783
Securities gains (losses)	$0	950
Applicable income taxes	$867,000	736
Income before extraordinary items	$3,714,000	782
Extraordinary gains, net	$0	4
Net income	$3,569,000	809
Minority interest net income	$145,000	19
Net income of bank and minority interests.	$3,714,000	781
Net charge-offs	$1,000	1,904
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$3,714,000	797
2022-12-31 (YTD Data)		Rank
Total interest income	$31,008,000	1,111
Total interest expense	$1,233,000	2,157
Net interest income	$29,775,000	1,038
Provision for loan and lease losses	$150,000	1,951
Total noninterest income	$4,347,000	1,304
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$662,000	1,400
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,685,000	1,106
Total noninterest expense	$22,172,000	1,095
Salaries and employee benefits	$12,655,000	1,098
Premises and equipment expense	$2,011,000	1,201
Additional noninterest expense	$3,685,000	1,106
Pre-tax net operating income	$11,800,000	1,130
Securities gains (losses)	$2,000	598
Applicable income taxes	$2,119,000	1,041
Income before extraordinary items	$9,683,000	1,122
Extraordinary gains, net	$0	5
Net income	$9,590,000	1,129
Minority interest net income	$93,000	37
Net income of bank and minority interests.	$9,683,000	1,122
Net charge-offs	$-3,000	3,401
Cash dividends	$2,120,000	1,432
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$9,681,360	1,148
2022-09-30 (YTD Data)		Rank
Total interest income	$21,156,000	1,166
Total interest expense	$760,000	2,101
Net interest income	$20,396,000	1,106
Provision for loan and lease losses	$120,000	1,768
Total noninterest income	$3,073,000	1,372
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$504,000	1,399
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,569,000	1,181
Total noninterest expense	$15,846,000	1,139
Salaries and employee benefits	$9,060,000	1,139
Premises and equipment expense	$1,513,000	1,195
Additional noninterest expense	$2,569,000	1,181
Pre-tax net operating income	$7,503,000	1,265
Securities gains (losses)	$2,000	628
Applicable income taxes	$1,399,000	1,123
Income before extraordinary items	$6,106,000	1,270
Extraordinary gains, net	$0	4
Net income	$6,070,000	1,278
Minority interest net income	$36,000	37
Net income of bank and minority interests.	$6,106,000	1,270
Net charge-offs	$-25,000	3,871
Cash dividends	$1,590,000	1,301
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$6,104,380	1,297
2022-06-30 (YTD Data)		Rank
Total interest income	$12,806,000	1,205
Total interest expense	$451,000	2,089
Net interest income	$12,355,000	1,157
Provision for loan and lease losses	$120,000	1,426
Total noninterest income	$1,970,000	1,397
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$331,000	1,391
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,639,000	1,241
Total noninterest expense	$10,087,000	1,162
Salaries and employee benefits	$5,728,000	1,175
Premises and equipment expense	$994,000	1,202
Additional noninterest expense	$3,365,000	1,075
Pre-tax net operating income	$4,118,000	1,388
Securities gains (losses)	$2,000	556
Applicable income taxes	$835,000	1,134
Income before extraordinary items	$3,285,000	1,425
Extraordinary gains, net	$0	4
Net income	$3,285,000	1,424
Minority interest net income	$0	60
Net income of bank and minority interests.	$3,285,000	1,425
Net charge-offs	$-29,000	4,008
Cash dividends	$1,060,000	1,291
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$3,283,400	1,462
2022-03-31 (YTD Data)		Rank
Total interest income	$5,481,000	1,330
Total interest expense	$217,000	2,094
Net interest income	$5,264,000	1,285
Provision for loan and lease losses	$0	2,285
Total noninterest income	$999,000	1,371
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$150,000	1,498
Trading account gains and fees	NA	NA
Additional Noninterest Income	$849,000	1,195
Total noninterest expense	$4,692,000	1,226
Salaries and employee benefits	$2,683,000	1,234
Premises and equipment expense	$489,000	1,244
Additional noninterest expense	$1,520,000	1,132
Pre-tax net operating income	$1,571,000	1,593
Securities gains (losses)	$2,000	526
Applicable income taxes	$300,000	1,307
Income before extraordinary items	$1,273,000	1,634
Extraordinary gains, net	$0	4
Net income	$1,273,000	1,633
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,273,000	1,634
Net charge-offs	$6,000	1,321
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,271,380	1,657
2021-12-31 (YTD Data)		Rank
Total interest income	$26,356,000	1,176
Total interest expense	$1,267,000	1,871
Net interest income	$25,089,000	1,132
Provision for loan and lease losses	$550,000	965
Total noninterest income	$4,643,000	1,374
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$465,000	1,672
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,178,000	1,214
Total noninterest expense	$15,239,000	1,429
Salaries and employee benefits	$8,074,000	1,552
Premises and equipment expense	$1,930,000	1,252
Additional noninterest expense	$5,235,000	1,278
Pre-tax net operating income	$13,943,000	989
Securities gains (losses)	$34,000	1,292
Applicable income taxes	$2,932,000	874
Income before extraordinary items	$11,045,000	1,066
Extraordinary gains, net	$0	10
Net income	$11,045,000	1,067
Minority interest net income	$0	74
Net income of bank and minority interests.	$11,045,000	1,067
Net charge-offs	$-27,000	3,929
Cash dividends	$530,000	2,764
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$11,018,140	1,051
2021-09-30 (YTD Data)		Rank
Total interest income	$20,153,000	1,181
Total interest expense	$982,000	1,915
Net interest income	$19,171,000	1,127
Provision for loan and lease losses	$150,000	1,662
Total noninterest income	$3,748,000	1,348
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$318,000	1,784
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,430,000	1,171
Total noninterest expense	$11,418,000	1,442
Salaries and employee benefits	$5,923,000	1,583
Premises and equipment expense	$1,464,000	1,251
Additional noninterest expense	$4,031,000	1,246
Pre-tax net operating income	$11,351,000	968
Securities gains (losses)	$0	2,015
Applicable income taxes	$2,383,000	876
Income before extraordinary items	$8,968,000	1,040
Extraordinary gains, net	$0	8
Net income	$8,968,000	1,041
Minority interest net income	$0	69
Net income of bank and minority interests.	$8,968,000	1,041
Net charge-offs	$-36,000	4,090
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$8,968,000	1,021
2021-06-30 (YTD Data)		Rank
Total interest income	$13,586,000	1,165
Total interest expense	$680,000	1,933
Net interest income	$12,906,000	1,110
Provision for loan and lease losses	$150,000	1,356
Total noninterest income	$2,797,000	1,233
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$202,000	1,784
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,595,000	1,084
Total noninterest expense	$7,457,000	1,459
Salaries and employee benefits	$3,752,000	1,637
Premises and equipment expense	$979,000	1,237
Additional noninterest expense	$2,726,000	1,217
Pre-tax net operating income	$8,096,000	906
Securities gains (losses)	$0	1,818
Applicable income taxes	$1,700,000	819
Income before extraordinary items	$6,396,000	977
Extraordinary gains, net	$0	6
Net income	$6,396,000	977
Minority interest net income	$0	67
Net income of bank and minority interests.	$6,396,000	977
Net charge-offs	$-35,000	4,256
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$6,396,000	957
2021-03-31 (YTD Data)		Rank
Total interest income	$7,045,000	1,128
Total interest expense	$358,000	1,948
Net interest income	$6,687,000	1,067
Provision for loan and lease losses	$150,000	937
Total noninterest income	$780,000	1,760
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$92,000	1,898
Trading account gains and fees	NA	NA
Additional Noninterest Income	$688,000	1,601
Total noninterest expense	$3,372,000	1,572
Salaries and employee benefits	$1,568,000	1,846
Premises and equipment expense	$455,000	1,339
Additional noninterest expense	$1,349,000	1,210
Pre-tax net operating income	$3,945,000	921
Securities gains (losses)	$0	1,392
Applicable income taxes	$829,000	833
Income before extraordinary items	$3,116,000	983
Extraordinary gains, net	$0	3
Net income	$3,116,000	983
Minority interest net income	$0	55
Net income of bank and minority interests.	$3,116,000	983
Net charge-offs	$-8,000	3,977
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$3,116,000	959
2020-12-31 (YTD Data)		Rank
Total interest income	$23,168,000	1,308
Total interest expense	$1,940,000	2,013
Net interest income	$21,228,000	1,217
Provision for loan and lease losses	$1,440,000	1,283
Total noninterest income	$3,049,000	1,712
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$394,000	1,911
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,655,000	1,539
Total noninterest expense	$13,900,000	1,496
Salaries and employee benefits	$7,389,000	1,606
Premises and equipment expense	$1,697,000	1,385
Additional noninterest expense	$4,814,000	1,327
Pre-tax net operating income	$8,937,000	1,162
Securities gains (losses)	$50,000	1,728
Applicable income taxes	$1,886,000	967
Income before extraordinary items	$7,101,000	1,247
Extraordinary gains, net	$0	4
Net income	$7,101,000	1,248
Minority interest net income	$0	72
Net income of bank and minority interests.	$7,101,000	1,248
Net charge-offs	$203,000	1,540
Cash dividends	$200,000	3,382
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$7,061,500	1,215
2020-09-30 (YTD Data)		Rank
Total interest income	$16,902,000	1,346
Total interest expense	$1,543,000	2,026
Net interest income	$15,359,000	1,235
Provision for loan and lease losses	$1,140,000	1,260
Total noninterest income	$2,129,000	1,746
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$299,000	1,894
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,830,000	1,575
Total noninterest expense	$10,297,000	1,488
Salaries and employee benefits	$5,444,000	1,618
Premises and equipment expense	$1,313,000	1,331
Additional noninterest expense	$3,540,000	1,323
Pre-tax net operating income	$6,051,000	1,201
Securities gains (losses)	$50,000	1,535
Applicable income taxes	$1,282,000	996
Income before extraordinary items	$4,819,000	1,312
Extraordinary gains, net	$0	4
Net income	$4,819,000	1,312
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,819,000	1,312
Net charge-offs	$-13,000	4,316
Cash dividends	$100,000	3,161
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$4,779,500	1,282
2020-06-30 (YTD Data)		Rank
Total interest income	$10,978,000	1,400
Total interest expense	$1,062,000	2,071
Net interest income	$9,916,000	1,280
Provision for loan and lease losses	$570,000	1,520
Total noninterest income	$1,441,000	1,664
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$225,000	1,756
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,216,000	1,493
Total noninterest expense	$6,815,000	1,496
Salaries and employee benefits	$3,455,000	1,679
Premises and equipment expense	$892,000	1,303
Additional noninterest expense	$2,468,000	1,259
Pre-tax net operating income	$3,972,000	1,171
Securities gains (losses)	$44,000	1,347
Applicable income taxes	$843,000	952
Income before extraordinary items	$3,173,000	1,251
Extraordinary gains, net	$0	4
Net income	$3,173,000	1,251
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,173,000	1,251
Net charge-offs	$-5,000	4,124
Cash dividends	$100,000	2,958
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$3,138,240	1,228
2020-03-31 (YTD Data)		Rank
Total interest income	$5,213,000	1,461
Total interest expense	$558,000	2,147
Net interest income	$4,655,000	1,331
Provision for loan and lease losses	$0	3,711
Total noninterest income	$890,000	1,386
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$103,000	2,100
Trading account gains and fees	NA	NA
Additional Noninterest Income	$787,000	1,151
Total noninterest expense	$3,770,000	1,394
Salaries and employee benefits	$2,137,000	1,422
Premises and equipment expense	$459,000	1,276
Additional noninterest expense	$1,174,000	1,329
Pre-tax net operating income	$1,775,000	1,163
Securities gains (losses)	$2,000	1,565
Applicable income taxes	$373,000	921
Income before extraordinary items	$1,404,000	1,252
Extraordinary gains, net	$0	4
Net income	$1,404,000	1,252
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,404,000	1,252
Net charge-offs	$-8,000	4,381
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,402,420	1,231
2019-12-31 (YTD Data)		Rank
Total interest income	$21,097,000	1,456
Total interest expense	$2,691,000	1,937
Net interest income	$18,406,000	1,335
Provision for loan and lease losses	$270,000	2,063
Total noninterest income	$3,966,000	1,324
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$409,000	2,192
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,557,000	1,060
Total noninterest expense	$15,326,000	1,332
Salaries and employee benefits	$8,854,000	1,339
Premises and equipment expense	$1,777,000	1,291
Additional noninterest expense	$4,695,000	1,320
Pre-tax net operating income	$6,776,000	1,400
Securities gains (losses)	$3,000	2,172
Applicable income taxes	$1,424,000	1,153
Income before extraordinary items	$5,355,000	1,523
Extraordinary gains, net	$0	11
Net income	$5,355,000	1,524
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,355,000	1,525
Net charge-offs	$-166,000	4,961
Cash dividends	$525,000	2,939
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$5,352,630	1,493
2019-09-30 (YTD Data)		Rank
Total interest income	$15,805,000	1,467
Total interest expense	$2,073,000	1,924
Net interest income	$13,732,000	1,350
Provision for loan and lease losses	$270,000	1,685
Total noninterest income	$2,925,000	1,322
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$298,000	2,235
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,627,000	1,051
Total noninterest expense	$11,666,000	1,314
Salaries and employee benefits	$6,764,000	1,315
Premises and equipment expense	$1,374,000	1,262
Additional noninterest expense	$3,528,000	1,315
Pre-tax net operating income	$4,721,000	1,515
Securities gains (losses)	$3,000	1,926
Applicable income taxes	$993,000	1,235
Income before extraordinary items	$3,731,000	1,628
Extraordinary gains, net	$0	11
Net income	$3,731,000	1,628
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,731,000	1,629
Net charge-offs	$-12,000	4,473
Cash dividends	$275,000	2,943
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,728,630	1,593
2019-06-30 (YTD Data)		Rank
Total interest income	$10,336,000	1,492
Total interest expense	$1,310,000	1,976
Net interest income	$9,026,000	1,363
Provision for loan and lease losses	$270,000	1,320
Total noninterest income	$1,798,000	1,381
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$198,000	2,228
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,600,000	1,113
Total noninterest expense	$7,846,000	1,317
Salaries and employee benefits	$4,605,000	1,289
Premises and equipment expense	$907,000	1,284
Additional noninterest expense	$2,334,000	1,341
Pre-tax net operating income	$2,708,000	1,669
Securities gains (losses)	$3,000	1,472
Applicable income taxes	$560,000	1,347
Income before extraordinary items	$2,151,000	1,810
Extraordinary gains, net	$0	11
Net income	$2,151,000	1,809
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,151,000	1,810
Net charge-offs	$-20,000	4,677
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,148,630	1,784
2019-03-31 (YTD Data)		Rank
Total interest income	$5,064,000	1,511
Total interest expense	$631,000	1,995
Net interest income	$4,433,000	1,390
Provision for loan and lease losses	$135,000	1,269
Total noninterest income	$905,000	1,326
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$98,000	2,245
Trading account gains and fees	NA	NA
Additional Noninterest Income	$807,000	1,039
Total noninterest expense	$4,016,000	1,286
Salaries and employee benefits	$2,387,000	1,263
Premises and equipment expense	$482,000	1,235
Additional noninterest expense	$1,147,000	1,349
Pre-tax net operating income	$1,187,000	1,817
Securities gains (losses)	$3,000	920
Applicable income taxes	$255,000	1,396
Income before extraordinary items	$935,000	1,976
Extraordinary gains, net	$0	5
Net income	$935,000	1,974
Minority interest net income	$0	52
Net income of bank and minority interests.	$935,000	1,975
Net charge-offs	$-5,000	4,404
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$932,630	1,961
2018-12-31 (YTD Data)		Rank
Total interest income	$18,441,000	1,556
Total interest expense	$1,632,000	2,220
Net interest income	$16,809,000	1,438
Provision for loan and lease losses	$210,000	2,312
Total noninterest income	$3,577,000	1,367
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$388,000	2,329
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,189,000	1,096
Total noninterest expense	$15,056,000	1,347
Salaries and employee benefits	$9,121,000	1,260
Premises and equipment expense	$1,782,000	1,301
Additional noninterest expense	$4,153,000	1,461
Pre-tax net operating income	$5,120,000	1,755
Securities gains (losses)	$0	1,125
Applicable income taxes	$1,038,000	1,358
Income before extraordinary items	$4,082,000	1,880
Extraordinary gains, net	$0	6
Net income	$4,082,000	1,879
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,082,000	1,879
Net charge-offs	$417,000	1,080
Cash dividends	$50,000	3,919
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,082,000	1,868
2018-09-30 (YTD Data)		Rank
Total interest income	$13,400,000	1,579
Total interest expense	$1,091,000	2,313
Net interest income	$12,309,000	1,465
Provision for loan and lease losses	$120,000	2,455
Total noninterest income	$2,899,000	1,307
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$289,000	2,351
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,610,000	1,034
Total noninterest expense	$11,165,000	1,357
Salaries and employee benefits	$6,793,000	1,271
Premises and equipment expense	$1,362,000	1,276
Additional noninterest expense	$3,010,000	1,507
Pre-tax net operating income	$3,923,000	1,730
Securities gains (losses)	$0	1,118
Applicable income taxes	$803,000	1,374
Income before extraordinary items	$3,120,000	1,852
Extraordinary gains, net	$0	5
Net income	$3,120,000	1,850
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,120,000	1,851
Net charge-offs	$425,000	796
Cash dividends	$50,000	3,495
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,120,000	1,846
2018-06-30 (YTD Data)		Rank
Total interest income	$8,482,000	1,639
Total interest expense	$634,000	2,442
Net interest income	$7,848,000	1,517
Provision for loan and lease losses	$0	3,782
Total noninterest income	$1,724,000	1,421
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$193,000	2,343
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,531,000	1,143
Total noninterest expense	$7,282,000	1,397
Salaries and employee benefits	$4,488,000	1,295
Premises and equipment expense	$938,000	1,248
Additional noninterest expense	$1,856,000	1,606
Pre-tax net operating income	$2,290,000	1,893
Securities gains (losses)	$0	961
Applicable income taxes	$478,000	1,454
Income before extraordinary items	$1,812,000	2,026
Extraordinary gains, net	$0	6
Net income	$1,812,000	2,024
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,812,000	2,025
Net charge-offs	$388,000	616
Cash dividends	$50,000	3,342
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,812,000	2,016
2018-03-31 (YTD Data)		Rank
Total interest income	$4,179,000	1,649
Total interest expense	$265,000	2,653
Net interest income	$3,914,000	1,528
Provision for loan and lease losses	$0	3,508
Total noninterest income	$933,000	1,326
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$96,000	2,364
Trading account gains and fees	NA	NA
Additional Noninterest Income	$837,000	1,049
Total noninterest expense	$3,536,000	1,439
Salaries and employee benefits	$2,124,000	1,367
Premises and equipment expense	$472,000	1,261
Additional noninterest expense	$940,000	1,596
Pre-tax net operating income	$1,311,000	1,657
Securities gains (losses)	$0	735
Applicable income taxes	$244,000	1,386
Income before extraordinary items	$1,067,000	1,743
Extraordinary gains, net	$0	7
Net income	$1,067,000	1,743
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,067,000	1,743
Net charge-offs	$-19,000	4,967
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,067,000	1,730
2017-12-31 (YTD Data)		Rank
Total interest income	$15,312,000	1,728
Total interest expense	$739,000	3,057
Net interest income	$14,573,000	1,611
Provision for loan and lease losses	$0	4,227
Total noninterest income	$3,196,000	1,513
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$508,000	1,998
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,688,000	1,264
Total noninterest expense	$13,738,000	1,463
Salaries and employee benefits	$8,114,000	1,394
Premises and equipment expense	$1,783,000	1,301
Additional noninterest expense	$3,841,000	1,575
Pre-tax net operating income	$4,031,000	2,030
Securities gains (losses)	$0	2,243
Applicable income taxes	$2,692,000	1,042
Income before extraordinary items	$1,339,000	3,320
Extraordinary gains, net	$0	9
Net income	$1,339,000	3,319
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,339,000	3,320
Net charge-offs	$-115,000	5,334
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,339,000	3,296
2017-09-30 (YTD Data)		Rank
Total interest income	$11,192,000	1,777
Total interest expense	$511,000	3,178
Net interest income	$10,681,000	1,647
Provision for loan and lease losses	$0	4,088
Total noninterest income	$2,552,000	1,451
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$372,000	2,044
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,180,000	1,197
Total noninterest expense	$10,191,000	1,478
Salaries and employee benefits	$6,218,000	1,358
Premises and equipment expense	$1,318,000	1,329
Additional noninterest expense	$2,655,000	1,689
Pre-tax net operating income	$3,042,000	2,049
Securities gains (losses)	$0	2,274
Applicable income taxes	$967,000	1,488
Income before extraordinary items	$2,075,000	2,343
Extraordinary gains, net	$0	9
Net income	$2,075,000	2,342
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,075,000	2,343
Net charge-offs	$-115,000	5,377
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,075,000	2,319
2017-06-30 (YTD Data)		Rank
Total interest income	$7,446,000	1,760
Total interest expense	$300,000	3,365
Net interest income	$7,146,000	1,629
Provision for loan and lease losses	$0	3,871
Total noninterest income	$1,173,000	1,854
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$188,000	2,485
Trading account gains and fees	NA	NA
Additional Noninterest Income	$985,000	1,559
Total noninterest expense	$6,812,000	1,476
Salaries and employee benefits	$4,092,000	1,384
Premises and equipment expense	$865,000	1,346
Additional noninterest expense	$1,855,000	1,609
Pre-tax net operating income	$1,507,000	2,477
Securities gains (losses)	$0	1,906
Applicable income taxes	$485,000	1,724
Income before extraordinary items	$1,022,000	2,781
Extraordinary gains, net	$0	11
Net income	$1,022,000	2,781
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,022,000	2,781
Net charge-offs	$-93,000	5,424
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,022,000	2,763
2017-03-31 (YTD Data)		Rank
Total interest income	$3,526,000	1,846
Total interest expense	$139,000	3,478
Net interest income	$3,387,000	1,707
Provision for loan and lease losses	$0	3,537
Total noninterest income	$833,000	1,473
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$89,000	2,583
Trading account gains and fees	NA	NA
Additional Noninterest Income	$744,000	1,180
Total noninterest expense	$3,336,000	1,507
Salaries and employee benefits	$1,956,000	1,465
Premises and equipment expense	$419,000	1,393
Additional noninterest expense	$961,000	1,565
Pre-tax net operating income	$884,000	2,127
Securities gains (losses)	$0	1,153
Applicable income taxes	$296,000	1,504
Income before extraordinary items	$588,000	2,483
Extraordinary gains, net	$0	8
Net income	$588,000	2,482
Minority interest net income	$0	55
Net income of bank and minority interests.	$588,000	2,483
Net charge-offs	$-72,000	5,545
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$588,000	2,465
2016-12-31 (YTD Data)		Rank
Total interest income	$12,692,000	1,977
Total interest expense	$595,000	3,350
Net interest income	$12,097,000	1,852
Provision for loan and lease losses	$0	4,332
Total noninterest income	$1,305,000	2,659
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$330,000	2,787
Trading account gains and fees	$0	170
Additional Noninterest Income	$975,000	2,431
Total noninterest expense	$10,611,000	1,800
Salaries and employee benefits	$6,237,000	1,726
Premises and equipment expense	$1,491,000	1,531
Additional noninterest expense	$2,883,000	2,043
Pre-tax net operating income	$2,791,000	2,498
Securities gains (losses)	$0	3,212
Applicable income taxes	$907,000	1,745
Income before extraordinary items	$1,884,000	2,890
Extraordinary gains, net	$0	5
Net income	$1,884,000	2,889
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,884,000	2,889
Net charge-offs	$-107,000	5,537
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,884,000	2,841
2016-09-30 (YTD Data)		Rank
Total interest income	$9,260,000	2,029
Total interest expense	$458,000	3,307
Net interest income	$8,802,000	1,898
Provision for loan and lease losses	$0	4,186
Total noninterest income	$1,167,000	2,445
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$250,000	2,780
Trading account gains and fees	$0	169
Additional Noninterest Income	$917,000	2,152
Total noninterest expense	$7,881,000	1,816
Salaries and employee benefits	$4,638,000	1,739
Premises and equipment expense	$1,117,000	1,537
Additional noninterest expense	$2,126,000	2,071
Pre-tax net operating income	$2,088,000	2,543
Securities gains (losses)	$0	3,160
Applicable income taxes	$669,000	1,802
Income before extraordinary items	$1,419,000	2,907
Extraordinary gains, net	$0	5
Net income	$1,419,000	2,907
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,419,000	2,907
Net charge-offs	$-110,000	5,596
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,419,000	2,859
2016-06-30 (YTD Data)		Rank
Total interest income	$5,912,000	2,104
Total interest expense	$311,000	3,275
Net interest income	$5,601,000	1,991
Provision for loan and lease losses	$0	4,017
Total noninterest income	$422,000	3,314
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$165,000	2,782
Trading account gains and fees	$0	157
Additional Noninterest Income	$257,000	3,238
Total noninterest expense	$4,967,000	1,926
Salaries and employee benefits	$2,898,000	1,838
Premises and equipment expense	$654,000	1,720
Additional noninterest expense	$1,415,000	2,084
Pre-tax net operating income	$1,056,000	2,988
Securities gains (losses)	$0	2,835
Applicable income taxes	$337,000	2,035
Income before extraordinary items	$719,000	3,369
Extraordinary gains, net	$0	16
Net income	$719,000	3,366
Minority interest net income	$0	71
Net income of bank and minority interests.	$719,000	3,367
Net charge-offs	$-34,000	5,392
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$719,000	3,316
2016-03-31 (YTD Data)		Rank
Total interest income	$2,886,000	2,151
Total interest expense	$157,000	3,266
Net interest income	$2,729,000	2,038
Provision for loan and lease losses	$0	3,656
Total noninterest income	$347,000	2,531
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$84,000	2,723
Trading account gains and fees	$0	142
Additional Noninterest Income	$263,000	2,264
Total noninterest expense	$2,341,000	2,037
Salaries and employee benefits	$1,340,000	1,988
Premises and equipment expense	$312,000	1,810
Additional noninterest expense	$689,000	2,119
Pre-tax net operating income	$735,000	2,399
Securities gains (losses)	$0	2,077
Applicable income taxes	$241,000	1,687
Income before extraordinary items	$494,000	2,772
Extraordinary gains, net	$0	12
Net income	$494,000	2,771
Minority interest net income	$0	62
Net income of bank and minority interests.	$494,000	2,772
Net charge-offs	$-61,000	5,781
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$494,000	2,716
2015-12-31 (YTD Data)		Rank
Total interest income	$10,765,000	2,227
Total interest expense	$637,000	3,251
Net interest income	$10,128,000	2,105
Provision for loan and lease losses	$0	4,380
Total noninterest income	$749,000	3,535
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$370,000	2,667
Trading account gains and fees	$0	159
Additional Noninterest Income	$379,000	3,659
Total noninterest expense	$8,723,000	2,142
Salaries and employee benefits	$4,326,000	2,323
Premises and equipment expense	$1,127,000	1,982
Additional noninterest expense	$3,270,000	1,843
Pre-tax net operating income	$2,154,000	2,876
Securities gains (losses)	$38,000	1,841
Applicable income taxes	$671,000	1,959
Income before extraordinary items	$1,521,000	3,201
Extraordinary gains, net	$0	23
Net income	$1,521,000	3,202
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,521,000	3,203
Net charge-offs	$216,000	1,915
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$6,571,000	68
Net operating income	$1,494,780	3,183
2015-09-30 (YTD Data)		Rank
Total interest income	$7,971,000	2,267
Total interest expense	$479,000	3,283
Net interest income	$7,492,000	2,139
Provision for loan and lease losses	$0	4,232
Total noninterest income	$718,000	3,163
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$276,000	2,699
Trading account gains and fees	$0	153
Additional Noninterest Income	$442,000	3,074
Total noninterest expense	$6,391,000	2,178
Salaries and employee benefits	$3,184,000	2,356
Premises and equipment expense	$841,000	2,015
Additional noninterest expense	$2,366,000	1,898
Pre-tax net operating income	$1,819,000	2,733
Securities gains (losses)	$38,000	1,651
Applicable income taxes	$551,000	1,927
Income before extraordinary items	$1,306,000	3,040
Extraordinary gains, net	$0	21
Net income	$1,306,000	3,040
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,306,000	3,041
Net charge-offs	$248,000	1,354
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$2,714,000	92
Net operating income	$1,279,400	3,018
2015-06-30 (YTD Data)		Rank
Total interest income	$5,306,000	2,268
Total interest expense	$317,000	3,333
Net interest income	$4,989,000	2,142
Provision for loan and lease losses	$0	4,069
Total noninterest income	$505,000	3,058
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$183,000	2,668
Trading account gains and fees	$0	157
Additional Noninterest Income	$322,000	2,978
Total noninterest expense	$4,155,000	2,236
Salaries and employee benefits	$2,050,000	2,458
Premises and equipment expense	$564,000	2,015
Additional noninterest expense	$1,541,000	1,958
Pre-tax net operating income	$1,339,000	2,537
Securities gains (losses)	$38,000	1,391
Applicable income taxes	$380,000	1,897
Income before extraordinary items	$997,000	2,756
Extraordinary gains, net	$0	22
Net income	$997,000	2,757
Minority interest net income	$0	75
Net income of bank and minority interests.	$997,000	2,758
Net charge-offs	$145,000	1,399
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$1,838,000	101
Net operating income	$969,640	2,751
2015-03-31 (YTD Data)		Rank
Total interest income	$2,650,000	2,265
Total interest expense	$157,000	3,380
Net interest income	$2,493,000	2,131
Provision for loan and lease losses	$0	3,703
Total noninterest income	$268,000	2,931
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$92,000	2,626
Trading account gains and fees	$0	152
Additional Noninterest Income	$176,000	2,800
Total noninterest expense	$1,969,000	2,342
Salaries and employee benefits	$984,000	2,562
Premises and equipment expense	$281,000	2,054
Additional noninterest expense	$704,000	2,094
Pre-tax net operating income	$792,000	2,230
Securities gains (losses)	$38,000	969
Applicable income taxes	$198,000	1,836
Income before extraordinary items	$632,000	2,306
Extraordinary gains, net	$0	13
Net income	$632,000	2,307
Minority interest net income	$0	64
Net income of bank and minority interests.	$632,000	2,307
Net charge-offs	$118,000	1,002
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$1,551,000	62
Net operating income	$603,120	2,311
2014-12-31 (YTD Data)		Rank
Total interest income	$10,257,000	2,347
Total interest expense	$816,000	2,988
Net interest income	$9,441,000	2,250
Provision for loan and lease losses	$30,000	4,054
Total noninterest income	$532,000	4,185
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$403,000	2,677
Trading account gains and fees	$0	180
Additional Noninterest Income	$129,000	5,014
Total noninterest expense	$8,472,000	2,216
Salaries and employee benefits	$4,398,000	2,294
Premises and equipment expense	$1,250,000	1,851
Additional noninterest expense	$2,824,000	2,152
Pre-tax net operating income	$1,471,000	3,519
Securities gains (losses)	$0	3,259
Applicable income taxes	$-6,340,000	6,483
Income before extraordinary items	$7,811,000	850
Extraordinary gains, net	$0	17
Net income	$7,811,000	850
Minority interest net income	$0	84
Net income of bank and minority interests.	$7,811,000	849
Net charge-offs	$105,000	3,139
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$750,000	245
Net operating income	$7,811,000	829
2014-09-30 (YTD Data)		Rank
Total interest income	$7,627,000	2,375
Total interest expense	$631,000	2,989
Net interest income	$6,996,000	2,286
Provision for loan and lease losses	$30,000	3,723
Total noninterest income	$761,000	3,120
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$300,000	2,710
Trading account gains and fees	$0	174
Additional Noninterest Income	$461,000	3,021
Total noninterest expense	$5,947,000	2,342
Salaries and employee benefits	$3,061,000	2,446
Premises and equipment expense	$955,000	1,828
Additional noninterest expense	$1,931,000	2,332
Pre-tax net operating income	$1,780,000	2,724
Securities gains (losses)	$0	2,980
Applicable income taxes	$-36,000	6,351
Income before extraordinary items	$1,816,000	2,384
Extraordinary gains, net	$0	15
Net income	$1,816,000	2,385
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,816,000	2,384
Net charge-offs	$100,000	2,688
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,816,000	2,339
2014-06-30 (YTD Data)		Rank
Total interest income	$5,068,000	2,378
Total interest expense	$427,000	2,983
Net interest income	$4,641,000	2,285
Provision for loan and lease losses	$30,000	3,313
Total noninterest income	$522,000	3,028
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$205,000	2,652
Trading account gains and fees	$0	172
Additional Noninterest Income	$317,000	2,960
Total noninterest expense	$3,816,000	2,422
Salaries and employee benefits	$1,995,000	2,510
Premises and equipment expense	$639,000	1,842
Additional noninterest expense	$1,182,000	2,529
Pre-tax net operating income	$1,317,000	2,475
Securities gains (losses)	$0	2,580
Applicable income taxes	$8,000	4,156
Income before extraordinary items	$1,309,000	2,199
Extraordinary gains, net	$0	20
Net income	$1,309,000	2,202
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,309,000	2,202
Net charge-offs	$60,000	2,626
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,309,000	2,154
2014-03-31 (YTD Data)		Rank
Total interest income	$2,547,000	2,360
Total interest expense	$214,000	3,018
Net interest income	$2,333,000	2,261
Provision for loan and lease losses	$15,000	3,093
Total noninterest income	$286,000	2,875
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$104,000	2,594
Trading account gains and fees	$0	147
Additional Noninterest Income	$182,000	2,697
Total noninterest expense	$1,689,000	2,698
Salaries and employee benefits	$987,000	2,543
Premises and equipment expense	$327,000	1,835
Additional noninterest expense	$375,000	3,560
Pre-tax net operating income	$915,000	1,896
Securities gains (losses)	$0	1,715
Applicable income taxes	$4,000	4,102
Income before extraordinary items	$911,000	1,611
Extraordinary gains, net	$0	16
Net income	$911,000	1,614
Minority interest net income	$0	66
Net income of bank and minority interests.	$911,000	1,614
Net charge-offs	$46,000	1,931
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$911,000	1,579
2013-12-31 (YTD Data)		Rank
Total interest income	$10,448,000	2,329
Total interest expense	$944,000	3,076
Net interest income	$9,504,000	2,196
Provision for loan and lease losses	$-150,000	6,425
Total noninterest income	$64,000	6,408
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$428,000	2,681
Trading account gains and fees	$0	184
Additional Noninterest Income	$-364,000	6,716
Total noninterest expense	$9,038,000	2,094
Salaries and employee benefits	$3,966,000	2,495
Premises and equipment expense	$1,333,000	1,759
Additional noninterest expense	$3,739,000	1,704
Pre-tax net operating income	$680,000	4,635
Securities gains (losses)	$0	3,182
Applicable income taxes	$-747,000	6,666
Income before extraordinary items	$1,427,000	3,248
Extraordinary gains, net	$0	29
Net income	$1,427,000	3,250
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,427,000	3,251
Net charge-offs	$609,000	1,800
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,427,000	3,190
2013-09-30 (YTD Data)		Rank
Total interest income	$7,875,000	2,323
Total interest expense	$718,000	3,121
Net interest income	$7,157,000	2,192
Provision for loan and lease losses	$0	4,941
Total noninterest income	$823,000	3,085
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$320,000	2,704
Trading account gains and fees	$0	180
Additional Noninterest Income	$503,000	3,013
Total noninterest expense	$6,339,000	2,235
Salaries and employee benefits	$2,995,000	2,493
Premises and equipment expense	$1,001,000	1,766
Additional noninterest expense	$2,343,000	2,003
Pre-tax net operating income	$1,641,000	2,768
Securities gains (losses)	$0	3,040
Applicable income taxes	$8,000	4,371
Income before extraordinary items	$1,633,000	2,482
Extraordinary gains, net	$0	25
Net income	$1,633,000	2,487
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,633,000	2,487
Net charge-offs	$459,000	1,674
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,633,000	2,407
2013-06-30 (YTD Data)		Rank
Total interest income	$5,294,000	2,309
Total interest expense	$487,000	3,132
Net interest income	$4,807,000	2,172
Provision for loan and lease losses	$0	4,788
Total noninterest income	$593,000	3,010
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$214,000	2,663
Trading account gains and fees	$0	157
Additional Noninterest Income	$379,000	2,875
Total noninterest expense	$4,243,000	2,228
Salaries and employee benefits	$1,996,000	2,503
Premises and equipment expense	$674,000	1,742
Additional noninterest expense	$1,573,000	1,989
Pre-tax net operating income	$1,157,000	2,647
Securities gains (losses)	$0	2,791
Applicable income taxes	$3,000	4,453
Income before extraordinary items	$1,154,000	2,358
Extraordinary gains, net	$0	22
Net income	$1,154,000	2,368
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,154,000	2,366
Net charge-offs	$458,000	1,321
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,154,000	2,272
2013-03-31 (YTD Data)		Rank
Total interest income	$2,629,000	2,357
Total interest expense	$249,000	3,159
Net interest income	$2,380,000	2,197
Provision for loan and lease losses	$0	4,409
Total noninterest income	$257,000	3,231
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$110,000	2,614
Trading account gains and fees	$0	148
Additional Noninterest Income	$147,000	3,201
Total noninterest expense	$2,134,000	2,226
Salaries and employee benefits	$1,011,000	2,493
Premises and equipment expense	$351,000	1,715
Additional noninterest expense	$772,000	2,029
Pre-tax net operating income	$503,000	2,856
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$503,000	2,575
Extraordinary gains, net	$0	10
Net income	$503,000	2,578
Minority interest net income	$0	76
Net income of bank and minority interests.	$503,000	2,577
Net charge-offs	$318,000	1,012
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$503,000	2,484
2012-12-31 (YTD Data)		Rank
Total interest income	$10,997,000	2,355
Total interest expense	$1,240,000	3,139
Net interest income	$9,757,000	2,208
Provision for loan and lease losses	$0	5,905
Total noninterest income	$1,649,000	2,475
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$508,000	2,455
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,141,000	2,212
Total noninterest expense	$9,216,000	2,069
Salaries and employee benefits	$3,965,000	2,476
Premises and equipment expense	$1,346,000	1,751
Additional noninterest expense	$3,905,000	1,708
Pre-tax net operating income	$2,190,000	2,646
Securities gains (losses)	$1,000	3,729
Applicable income taxes	$-621,000	6,920
Income before extraordinary items	$2,812,000	1,970
Extraordinary gains, net	$0	29
Net income	$2,812,000	1,969
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,812,000	1,971
Net charge-offs	$612,000	2,391
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,811,000	1,865
2012-09-30 (YTD Data)		Rank
Total interest income	$8,256,000	2,401
Total interest expense	$968,000	3,149
Net interest income	$7,288,000	2,248
Provision for loan and lease losses	$0	5,790
Total noninterest income	$1,294,000	2,413
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$387,000	2,444
Trading account gains and fees	$0	157
Additional Noninterest Income	$907,000	2,117
Total noninterest expense	$7,159,000	1,995
Salaries and employee benefits	$2,948,000	2,496
Premises and equipment expense	$1,022,000	1,735
Additional noninterest expense	$3,189,000	1,568
Pre-tax net operating income	$1,423,000	2,989
Securities gains (losses)	$1,000	3,476
Applicable income taxes	$0	4,802
Income before extraordinary items	$1,424,000	2,738
Extraordinary gains, net	$0	20
Net income	$1,424,000	2,739
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,424,000	2,738
Net charge-offs	$421,000	2,398
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,423,000	2,607
2012-06-30 (YTD Data)		Rank
Total interest income	$5,421,000	2,438
Total interest expense	$668,000	3,160
Net interest income	$4,753,000	2,296
Provision for loan and lease losses	$0	5,619
Total noninterest income	$934,000	2,258
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$254,000	2,440
Trading account gains and fees	$0	153
Additional Noninterest Income	$680,000	1,951
Total noninterest expense	$4,777,000	2,002
Salaries and employee benefits	$1,941,000	2,526
Premises and equipment expense	$692,000	1,703
Additional noninterest expense	$2,144,000	1,579
Pre-tax net operating income	$910,000	3,042
Securities gains (losses)	$1,000	3,081
Applicable income taxes	$0	4,770
Income before extraordinary items	$911,000	2,786
Extraordinary gains, net	$0	19
Net income	$911,000	2,787
Minority interest net income	$0	84
Net income of bank and minority interests.	$911,000	2,787
Net charge-offs	$310,000	2,284
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$910,000	2,650
2012-03-31 (YTD Data)		Rank
Total interest income	$2,709,000	2,472
Total interest expense	$340,000	3,219
Net interest income	$2,369,000	2,311
Provision for loan and lease losses	$0	5,254
Total noninterest income	$439,000	2,348
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$130,000	2,402
Trading account gains and fees	$0	148
Additional Noninterest Income	$309,000	2,062
Total noninterest expense	$2,365,000	2,021
Salaries and employee benefits	$973,000	2,541
Premises and equipment expense	$348,000	1,709
Additional noninterest expense	$1,044,000	1,590
Pre-tax net operating income	$443,000	3,133
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$443,000	2,865
Extraordinary gains, net	$0	19
Net income	$443,000	2,868
Minority interest net income	$0	78
Net income of bank and minority interests.	$443,000	2,869
Net charge-offs	$149,000	2,099
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$443,000	2,721
2011-12-31 (YTD Data)		Rank
Total interest income	$11,307,000	2,479
Total interest expense	$1,631,000	3,233
Net interest income	$9,676,000	2,265
Provision for loan and lease losses	$-2,832,000	7,339
Total noninterest income	$1,173,000	2,840
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$618,000	2,194
Trading account gains and fees	$0	146
Additional Noninterest Income	$555,000	2,973
Total noninterest expense	$9,649,000	1,976
Salaries and employee benefits	$3,658,000	2,634
Premises and equipment expense	$1,600,000	1,549
Additional noninterest expense	$4,391,000	1,555
Pre-tax net operating income	$4,032,000	1,420
Securities gains (losses)	$0	3,838
Applicable income taxes	$0	4,719
Income before extraordinary items	$4,032,000	1,247
Extraordinary gains, net	$0	29
Net income	$4,032,000	1,247
Minority interest net income	$0	96
Net income of bank and minority interests.	$4,032,000	1,247
Net charge-offs	$1,610,000	1,782
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$4,032,000	1,171
2011-09-30 (YTD Data)		Rank
Total interest income	$8,706,000	2,434
Total interest expense	$1,270,000	3,253
Net interest income	$7,436,000	2,221
Provision for loan and lease losses	$-1,432,000	7,413
Total noninterest income	$936,000	2,731
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$472,000	2,175
Trading account gains and fees	$0	145
Additional Noninterest Income	$464,000	2,813
Total noninterest expense	$7,033,000	2,054
Salaries and employee benefits	$2,703,000	2,680
Premises and equipment expense	$1,146,000	1,641
Additional noninterest expense	$3,184,000	1,604
Pre-tax net operating income	$2,771,000	1,589
Securities gains (losses)	$0	3,555
Applicable income taxes	$0	4,740
Income before extraordinary items	$2,771,000	1,392
Extraordinary gains, net	$0	21
Net income	$2,771,000	1,392
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,771,000	1,392
Net charge-offs	$1,055,000	1,833
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,771,000	1,311
2011-06-30 (YTD Data)		Rank
Total interest income	$5,808,000	2,445
Total interest expense	$881,000	3,264
Net interest income	$4,927,000	2,229
Provision for loan and lease losses	$-1,432,000	7,489
Total noninterest income	$610,000	2,775
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$315,000	2,150
Trading account gains and fees	$0	153
Additional Noninterest Income	$295,000	2,899
Total noninterest expense	$4,845,000	2,002
Salaries and employee benefits	$1,810,000	2,676
Premises and equipment expense	$783,000	1,611
Additional noninterest expense	$2,252,000	1,542
Pre-tax net operating income	$2,124,000	1,374
Securities gains (losses)	$0	2,914
Applicable income taxes	$0	4,697
Income before extraordinary items	$2,124,000	1,169
Extraordinary gains, net	$0	15
Net income	$2,124,000	1,169
Minority interest net income	$0	89
Net income of bank and minority interests.	$2,124,000	1,169
Net charge-offs	$921,000	1,548
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$2,124,000	1,132
2011-03-31 (YTD Data)		Rank
Total interest income	$2,975,000	2,394
Total interest expense	$464,000	3,230
Net interest income	$2,511,000	2,174
Provision for loan and lease losses	$-474,000	7,545
Total noninterest income	$289,000	2,893
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$158,000	2,126
Trading account gains and fees	$0	158
Additional Noninterest Income	$131,000	3,128
Total noninterest expense	$2,413,000	2,005
Salaries and employee benefits	$892,000	2,723
Premises and equipment expense	$393,000	1,633
Additional noninterest expense	$1,128,000	1,538
Pre-tax net operating income	$861,000	1,666
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$861,000	1,400
Extraordinary gains, net	$0	9
Net income	$861,000	1,400
Minority interest net income	$0	86
Net income of bank and minority interests.	$861,000	1,400
Net charge-offs	$598,000	1,192
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$861,000	1,360
2010-12-31 (YTD Data)		Rank
Total interest income	$13,393,000	2,251
Total interest expense	$2,892,000	2,681
Net interest income	$10,501,000	2,077
Provision for loan and lease losses	$2,458,000	1,818
Total noninterest income	$1,056,000	3,146
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$744,000	1,950
Trading account gains and fees	$0	175
Additional Noninterest Income	$312,000	3,890
Total noninterest expense	$10,254,000	1,906
Salaries and employee benefits	$3,978,000	2,406
Premises and equipment expense	$1,555,000	1,657
Additional noninterest expense	$4,721,000	1,524
Pre-tax net operating income	$-1,155,000	6,548
Securities gains (losses)	$0	3,793
Applicable income taxes	$0	4,655
Income before extraordinary items	$-1,155,000	6,646
Extraordinary gains, net	$0	29
Net income	$-1,155,000	6,647
Minority interest net income	$0	111
Net income of bank and minority interests.	$-1,155,000	6,647
Net charge-offs	$5,995,000	883
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-1,155,000	6,613
2010-09-30 (YTD Data)		Rank
Total interest income	$10,137,000	2,281
Total interest expense	$2,303,000	2,646
Net interest income	$7,834,000	2,110
Provision for loan and lease losses	$2,783,000	1,329
Total noninterest income	$1,015,000	2,702
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$580,000	1,941
Trading account gains and fees	$0	165
Additional Noninterest Income	$435,000	2,987
Total noninterest expense	$7,859,000	1,866
Salaries and employee benefits	$3,145,000	2,312
Premises and equipment expense	$1,160,000	1,692
Additional noninterest expense	$3,554,000	1,495
Pre-tax net operating income	$-1,793,000	7,024
Securities gains (losses)	$0	3,651
Applicable income taxes	$0	4,726
Income before extraordinary items	$-1,793,000	7,104
Extraordinary gains, net	$0	23
Net income	$-1,793,000	7,102
Minority interest net income	$0	110
Net income of bank and minority interests.	$-1,793,000	7,104
Net charge-offs	$4,615,000	830
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-1,793,000	7,076
2010-06-30 (YTD Data)		Rank
Total interest income	$6,885,000	2,276
Total interest expense	$1,617,000	2,628
Net interest income	$5,268,000	2,094
Provision for loan and lease losses	$2,033,000	1,264
Total noninterest income	$839,000	2,304
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$393,000	1,923
Trading account gains and fees	$0	152
Additional Noninterest Income	$446,000	2,256
Total noninterest expense	$5,281,000	1,859
Salaries and employee benefits	$2,156,000	2,247
Premises and equipment expense	$774,000	1,712
Additional noninterest expense	$2,351,000	1,510
Pre-tax net operating income	$-1,207,000	7,087
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$-1,207,000	7,160
Extraordinary gains, net	$0	19
Net income	$-1,207,000	7,159
Minority interest net income	$0	105
Net income of bank and minority interests.	$-1,207,000	7,160
Net charge-offs	$3,127,000	799
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-1,207,000	7,134
2010-03-31 (YTD Data)		Rank
Total interest income	$3,543,000	2,267
Total interest expense	$848,000	2,636
Net interest income	$2,695,000	2,069
Provision for loan and lease losses	$456,000	1,910
Total noninterest income	$346,000	2,601
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$204,000	1,845
Trading account gains and fees	$0	175
Additional Noninterest Income	$142,000	2,939
Total noninterest expense	$2,561,000	1,941
Salaries and employee benefits	$1,109,000	2,227
Premises and equipment expense	$397,000	1,709
Additional noninterest expense	$1,055,000	1,660
Pre-tax net operating income	$24,000	5,984
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$24,000	6,082
Extraordinary gains, net	$0	16
Net income	$24,000	6,083
Minority interest net income	$0	91
Net income of bank and minority interests.	$24,000	6,082
Net charge-offs	$1,306,000	863
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$24,000	5,965
2009-12-31 (YTD Data)		Rank
Total interest income	$17,001,000	1,993
Total interest expense	$5,617,000	2,036
Net interest income	$11,384,000	1,946
Provision for loan and lease losses	$9,352,000	926
Total noninterest income	$570,000	4,474
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,034,000	1,631
Trading account gains and fees	$0	211
Additional Noninterest Income	$-464,000	7,801
Total noninterest expense	$14,656,000	1,398
Salaries and employee benefits	$5,723,000	1,728
Premises and equipment expense	$1,824,000	1,484
Additional noninterest expense	$7,109,000	1,094
Pre-tax net operating income	$-12,054,000	7,563
Securities gains (losses)	$1,324,000	391
Applicable income taxes	$-3,166,000	7,636
Income before extraordinary items	$-7,564,000	7,464
Extraordinary gains, net	$0	34
Net income	$-7,564,000	7,461
Minority interest net income	$0	115
Net income of bank and minority interests.	$-7,564,000	7,462
Net charge-offs	$7,166,000	879
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-8,490,800	7,511
2009-09-30 (YTD Data)		Rank
Total interest income	$13,215,000	1,955
Total interest expense	$4,508,000	2,005
Net interest income	$8,707,000	1,907
Provision for loan and lease losses	$6,761,000	846
Total noninterest income	$787,000	3,295
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$786,000	1,616
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,000	7,551
Total noninterest expense	$10,988,000	1,398
Salaries and employee benefits	$4,594,000	1,632
Premises and equipment expense	$1,352,000	1,507
Additional noninterest expense	$5,042,000	1,114
Pre-tax net operating income	$-8,255,000	7,683
Securities gains (losses)	$824,000	451
Applicable income taxes	$0	4,592
Income before extraordinary items	$-7,431,000	7,710
Extraordinary gains, net	$0	27
Net income	$-7,431,000	7,709
Minority interest net income	$0	118
Net income of bank and minority interests.	$-7,431,000	7,709
Net charge-offs	$4,425,000	901
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-8,255,000	7,740
2009-06-30 (YTD Data)		Rank
Total interest income	$9,211,000	1,917
Total interest expense	$3,161,000	2,008
Net interest income	$6,050,000	1,830
Provision for loan and lease losses	$1,800,000	1,498
Total noninterest income	$495,000	3,439
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$514,000	1,610
Trading account gains and fees	$0	193
Additional Noninterest Income	$-19,000	7,856
Total noninterest expense	$7,481,000	1,384
Salaries and employee benefits	$3,122,000	1,640
Premises and equipment expense	$922,000	1,509
Additional noninterest expense	$3,437,000	1,119
Pre-tax net operating income	$-2,736,000	7,530
Securities gains (losses)	$824,000	345
Applicable income taxes	$0	4,657
Income before extraordinary items	$-1,912,000	7,456
Extraordinary gains, net	$0	21
Net income	$-1,912,000	7,456
Minority interest net income	$0	112
Net income of bank and minority interests.	$-1,912,000	7,455
Net charge-offs	$2,991,000	861
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-2,736,000	7,611
2009-03-31 (YTD Data)		Rank
Total interest income	$4,746,000	1,888
Total interest expense	$1,607,000	2,044
Net interest income	$3,139,000	1,766
Provision for loan and lease losses	$800,000	1,336
Total noninterest income	$450,000	2,294
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$252,000	1,601
Trading account gains and fees	$0	171
Additional Noninterest Income	$198,000	2,529
Total noninterest expense	$3,591,000	1,384
Salaries and employee benefits	$1,560,000	1,658
Premises and equipment expense	$545,000	1,314
Additional noninterest expense	$1,486,000	1,129
Pre-tax net operating income	$-802,000	7,547
Securities gains (losses)	$307,000	489
Applicable income taxes	$0	4,835
Income before extraordinary items	$-495,000	7,441
Extraordinary gains, net	$0	15
Net income	$-495,000	7,441
Minority interest net income	$0	102
Net income of bank and minority interests.	$-495,000	7,442
Net charge-offs	$1,419,000	766
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-802,000	7,623
2008-12-31 (YTD Data)		Rank
Total interest income	$22,865,000	1,683
Total interest expense	$8,836,000	1,810
Net interest income	$14,029,000	1,592
Provision for loan and lease losses	$17,300,000	410
Total noninterest income	$-274,000	8,209
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,203,000	1,486
Trading account gains and fees	$0	154
Additional Noninterest Income	$-1,477,000	8,263
Total noninterest expense	$15,194,000	1,289
Salaries and employee benefits	$6,822,000	1,519
Premises and equipment expense	$1,753,000	1,579
Additional noninterest expense	$6,619,000	963
Pre-tax net operating income	$-18,739,000	8,095
Securities gains (losses)	$-65,000	7,192
Applicable income taxes	$1,768,000	752
Income before extraordinary items	$-20,572,000	8,096
Extraordinary gains, net	$0	39
Net income	$-20,572,000	8,097
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,328,000	288
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-20,507,000	8,120
2008-09-30 (YTD Data)		Rank
Total interest income	$17,769,000	1,668
Total interest expense	$7,171,000	1,761
Net interest income	$10,598,000	1,593
Provision for loan and lease losses	$10,000,000	405
Total noninterest income	$385,000	4,894
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$912,000	1,485
Trading account gains and fees	$0	148
Additional Noninterest Income	$-527,000	8,343
Total noninterest expense	$10,889,000	1,321
Salaries and employee benefits	$4,995,000	1,572
Premises and equipment expense	$1,338,000	1,562
Additional noninterest expense	$4,556,000	1,008
Pre-tax net operating income	$-9,906,000	8,220
Securities gains (losses)	$6,000	2,568
Applicable income taxes	$-3,571,000	8,242
Income before extraordinary items	$-6,329,000	8,161
Extraordinary gains, net	$0	31
Net income	$-6,329,000	8,161
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,579,000	256
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-6,332,840	8,193
2008-06-30 (YTD Data)		Rank
Total interest income	$12,338,000	1,633
Total interest expense	$5,364,000	1,636
Net interest income	$6,974,000	1,611
Provision for loan and lease losses	$4,375,000	475
Total noninterest income	$458,000	3,712
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$762,000	1,171
Trading account gains and fees	$0	149
Additional Noninterest Income	$-304,000	8,412
Total noninterest expense	$7,727,000	1,247
Salaries and employee benefits	$3,388,000	1,554
Premises and equipment expense	$943,000	1,480
Additional noninterest expense	$3,396,000	876
Pre-tax net operating income	$-4,670,000	8,287
Securities gains (losses)	$0	3,233
Applicable income taxes	$-1,737,000	8,321
Income before extraordinary items	$-2,933,000	8,265
Extraordinary gains, net	$0	21
Net income	$-2,933,000	8,264
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,972,000	225
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-2,933,000	8,260
2008-03-31 (YTD Data)		Rank
Total interest income	$6,454,000	1,605
Total interest expense	$3,094,000	1,522
Net interest income	$3,360,000	1,656
Provision for loan and lease losses	$1,300,000	531
Total noninterest income	$304,000	3,110
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$362,000	1,212
Trading account gains and fees	$0	158
Additional Noninterest Income	$-58,000	8,444
Total noninterest expense	$4,043,000	1,197
Salaries and employee benefits	$1,749,000	1,526
Premises and equipment expense	$524,000	1,321
Additional noninterest expense	$1,770,000	814
Pre-tax net operating income	$-1,679,000	8,346
Securities gains (losses)	$0	2,688
Applicable income taxes	$-660,000	8,378
Income before extraordinary items	$-1,019,000	8,306
Extraordinary gains, net	$0	15
Net income	$-1,019,000	8,306
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,569,000	253
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-1,019,000	8,295
2007-12-31 (YTD Data)		Rank
Total interest income	$29,978,000	1,437
Total interest expense	$14,722,000	1,364
Net interest income	$15,256,000	1,492
Provision for loan and lease losses	$11,997,000	217
Total noninterest income	$2,017,000	2,198
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,717,000	1,038
Trading account gains and fees	$0	178
Additional Noninterest Income	$300,000	4,240
Total noninterest expense	$14,648,000	1,267
Salaries and employee benefits	$7,413,000	1,365
Premises and equipment expense	$1,852,000	1,443
Additional noninterest expense	$5,383,000	1,046
Pre-tax net operating income	$-9,372,000	8,476
Securities gains (losses)	$0	2,146
Applicable income taxes	$-3,413,000	8,484
Income before extraordinary items	$-5,959,000	8,462
Extraordinary gains, net	$0	39
Net income	$-5,959,000	8,459
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,498,000	254
Cash dividends	$6,798,000	575
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$-5,959,000	8,457
2007-09-30 (YTD Data)		Rank
Total interest income	$23,162,000	1,395
Total interest expense	$11,373,000	1,316
Net interest income	$11,789,000	1,429
Provision for loan and lease losses	$4,720,000	261
Total noninterest income	$1,837,000	1,916
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$1,270,000	1,036
Trading account gains and fees	$0	184
Additional Noninterest Income	$567,000	2,646
Total noninterest expense	$9,932,000	1,380
Salaries and employee benefits	$5,506,000	1,377
Premises and equipment expense	$1,410,000	1,407
Additional noninterest expense	$3,016,000	1,350
Pre-tax net operating income	$-1,026,000	8,300
Securities gains (losses)	$0	1,655
Applicable income taxes	$-297,000	8,369
Income before extraordinary items	$-729,000	8,243
Extraordinary gains, net	$0	33
Net income	$-729,000	8,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,425,000	349
Cash dividends	$6,746,000	445
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$-729,000	8,233
2007-06-30 (YTD Data)		Rank
Total interest income	$15,619,000	1,384
Total interest expense	$7,633,000	1,313
Net interest income	$7,986,000	1,435
Provision for loan and lease losses	$1,445,000	442
Total noninterest income	$1,695,000	1,524
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$831,000	1,057
Trading account gains and fees	$0	168
Additional Noninterest Income	$864,000	1,547
Total noninterest expense	$6,955,000	1,339
Salaries and employee benefits	$4,024,000	1,264
Premises and equipment expense	$970,000	1,364
Additional noninterest expense	$1,961,000	1,380
Pre-tax net operating income	$1,281,000	2,978
Securities gains (losses)	$0	1,444
Applicable income taxes	$287,000	2,789
Income before extraordinary items	$994,000	3,049
Extraordinary gains, net	$0	29
Net income	$994,000	3,048
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,403,000	354
Cash dividends	$5,431,000	394
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$994,000	3,031
2007-03-31 (YTD Data)		Rank
Total interest income	$7,981,000	1,335
Total interest expense	$3,925,000	1,259
Net interest income	$4,056,000	1,406
Provision for loan and lease losses	$655,000	415
Total noninterest income	$620,000	1,896
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$397,000	1,084
Trading account gains and fees	$0	195
Additional Noninterest Income	$223,000	2,388
Total noninterest expense	$3,507,000	1,324
Salaries and employee benefits	$1,989,000	1,298
Premises and equipment expense	$490,000	1,369
Additional noninterest expense	$1,028,000	1,305
Pre-tax net operating income	$514,000	3,464
Securities gains (losses)	$0	1,187
Applicable income taxes	$101,000	3,256
Income before extraordinary items	$413,000	3,418
Extraordinary gains, net	$0	22
Net income	$413,000	3,418
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$616,000	359
Cash dividends	$358,000	1,779
Sale, conversion, retirement of capital stock, net	$-6,000	8,582
Net operating income	$413,000	3,395
2006-12-31 (YTD Data)		Rank
Total interest income	$31,800,000	1,232
Total interest expense	$14,514,000	1,154
Net interest income	$17,286,000	1,321
Provision for loan and lease losses	$2,026,000	560
Total noninterest income	$2,914,000	1,682
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,739,000	1,023
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,175,000	1,995
Total noninterest expense	$13,508,000	1,330
Salaries and employee benefits	$7,750,000	1,256
Premises and equipment expense	$1,680,000	1,534
Additional noninterest expense	$4,078,000	1,305
Pre-tax net operating income	$4,666,000	2,003
Securities gains (losses)	$-99,000	8,199
Applicable income taxes	$1,351,000	1,813
Income before extraordinary items	$3,216,000	2,149
Extraordinary gains, net	$0	51
Net income	$3,216,000	2,150
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,836,000	422
Cash dividends	$1,459,000	1,978
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$3,285,300	2,103
2006-09-30 (YTD Data)		Rank
Total interest income	$24,162,000	1,228
Total interest expense	$10,688,000	1,150
Net interest income	$13,474,000	1,282
Provision for loan and lease losses	$1,276,000	616
Total noninterest income	$2,178,000	1,691
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$1,286,000	1,031
Trading account gains and fees	$0	126
Additional Noninterest Income	$892,000	1,988
Total noninterest expense	$10,245,000	1,318
Salaries and employee benefits	$5,972,000	1,239
Premises and equipment expense	$1,267,000	1,538
Additional noninterest expense	$3,006,000	1,329
Pre-tax net operating income	$4,131,000	1,787
Securities gains (losses)	$-99,000	8,399
Applicable income taxes	$1,192,000	1,659
Income before extraordinary items	$2,840,000	1,926
Extraordinary gains, net	$0	45
Net income	$2,840,000	1,927
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,256,000	386
Cash dividends	$1,075,000	1,827
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,909,300	1,870
2006-06-30 (YTD Data)		Rank
Total interest income	$15,884,000	1,228
Total interest expense	$6,836,000	1,132
Net interest income	$9,048,000	1,264
Provision for loan and lease losses	$780,000	659
Total noninterest income	$1,426,000	1,707
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$842,000	1,052
Trading account gains and fees	$0	126
Additional Noninterest Income	$584,000	2,002
Total noninterest expense	$6,870,000	1,322
Salaries and employee benefits	$4,009,000	1,239
Premises and equipment expense	$856,000	1,519
Additional noninterest expense	$2,005,000	1,335
Pre-tax net operating income	$2,824,000	1,746
Securities gains (losses)	$0	1,185
Applicable income taxes	$813,000	1,644
Income before extraordinary items	$2,011,000	1,820
Extraordinary gains, net	$0	39
Net income	$2,011,000	1,821
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$719,000	437
Cash dividends	$716,000	1,849
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$2,011,000	1,805
2006-03-31 (YTD Data)		Rank
Total interest income	$7,842,000	1,221
Total interest expense	$3,367,000	1,082
Net interest income	$4,475,000	1,272
Provision for loan and lease losses	$380,000	633
Total noninterest income	$598,000	1,942
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$376,000	1,151
Trading account gains and fees	$0	115
Additional Noninterest Income	$222,000	2,339
Total noninterest expense	$3,406,000	1,343
Salaries and employee benefits	$2,000,000	1,239
Premises and equipment expense	$451,000	1,445
Additional noninterest expense	$955,000	1,379
Pre-tax net operating income	$1,287,000	1,860
Securities gains (losses)	$0	955
Applicable income taxes	$365,000	1,770
Income before extraordinary items	$922,000	1,931
Extraordinary gains, net	$0	21
Net income	$922,000	1,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$326,000	438
Cash dividends	$358,000	1,747
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$922,000	1,909
2005-12-31 (YTD Data)		Rank
Total interest income	$28,696,000	1,155
Total interest expense	$10,773,000	1,039
Net interest income	$17,923,000	1,203
Provision for loan and lease losses	$1,680,000	639
Total noninterest income	$2,949,000	1,634
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$1,617,000	1,097
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,332,000	1,814
Total noninterest expense	$12,987,000	1,329
Salaries and employee benefits	$7,477,000	1,231
Premises and equipment expense	$1,630,000	1,499
Additional noninterest expense	$3,880,000	1,319
Pre-tax net operating income	$6,205,000	1,539
Securities gains (losses)	$-1,000	6,938
Applicable income taxes	$1,784,000	1,493
Income before extraordinary items	$4,420,000	1,588
Extraordinary gains, net	$0	46
Net income	$4,420,000	1,587
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,532,000	496
Cash dividends	$1,484,000	1,847
Sale, conversion, retirement of capital stock, net	$-17,000	8,742
Net operating income	$4,420,710	1,564
2005-09-30 (YTD Data)		Rank
Total interest income	$21,052,000	1,145
Total interest expense	$7,692,000	1,021
Net interest income	$13,360,000	1,195
Provision for loan and lease losses	$1,260,000	612
Total noninterest income	$2,253,000	1,600
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$1,200,000	1,099
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,053,000	1,754
Total noninterest expense	$10,030,000	1,274
Salaries and employee benefits	$5,863,000	1,172
Premises and equipment expense	$1,222,000	1,482
Additional noninterest expense	$2,945,000	1,295
Pre-tax net operating income	$4,323,000	1,649
Securities gains (losses)	$0	2,317
Applicable income taxes	$1,251,000	1,596
Income before extraordinary items	$3,072,000	1,717
Extraordinary gains, net	$0	35
Net income	$3,072,000	1,718
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,147,000	447
Cash dividends	$1,075,000	1,692
Sale, conversion, retirement of capital stock, net	$-17,000	8,788
Net operating income	$3,072,000	1,687
2005-06-30 (YTD Data)		Rank
Total interest income	$13,630,000	1,149
Total interest expense	$4,849,000	1,026
Net interest income	$8,781,000	1,203
Provision for loan and lease losses	$840,000	604
Total noninterest income	$1,498,000	1,595
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$764,000	1,123
Trading account gains and fees	$0	116
Additional Noninterest Income	$734,000	1,682
Total noninterest expense	$6,698,000	1,267
Salaries and employee benefits	$3,888,000	1,175
Premises and equipment expense	$833,000	1,448
Additional noninterest expense	$1,977,000	1,267
Pre-tax net operating income	$2,741,000	1,695
Securities gains (losses)	$0	2,146
Applicable income taxes	$798,000	1,620
Income before extraordinary items	$1,943,000	1,763
Extraordinary gains, net	$0	30
Net income	$1,943,000	1,763
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$818,000	418
Cash dividends	$717,000	1,719
Sale, conversion, retirement of capital stock, net	$-17,000	8,813
Net operating income	$1,943,000	1,730
2005-03-31 (YTD Data)		Rank
Total interest income	$6,676,000	1,146
Total interest expense	$2,351,000	996
Net interest income	$4,325,000	1,222
Provision for loan and lease losses	$420,000	565
Total noninterest income	$769,000	1,539
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$360,000	1,147
Trading account gains and fees	$0	115
Additional Noninterest Income	$409,000	1,528
Total noninterest expense	$3,297,000	1,289
Salaries and employee benefits	$1,923,000	1,191
Premises and equipment expense	$420,000	1,443
Additional noninterest expense	$954,000	1,295
Pre-tax net operating income	$1,377,000	1,659
Securities gains (losses)	$0	1,685
Applicable income taxes	$405,000	1,588
Income before extraordinary items	$972,000	1,727
Extraordinary gains, net	$0	24
Net income	$972,000	1,728
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$449,000	374
Cash dividends	$358,000	1,566
Sale, conversion, retirement of capital stock, net	$-5,000	8,883
Net operating income	$972,000	1,693
2004-12-31 (YTD Data)		Rank
Total interest income	$25,140,000	1,125
Total interest expense	$8,250,000	981
Net interest income	$16,890,000	1,189
Provision for loan and lease losses	$749,000	1,376
Total noninterest income	$2,717,000	1,747
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$1,539,000	1,165
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,178,000	1,933
Total noninterest expense	$11,924,000	1,376
Salaries and employee benefits	$7,193,000	1,211
Premises and equipment expense	$1,305,000	1,768
Additional noninterest expense	$3,426,000	1,449
Pre-tax net operating income	$6,934,000	1,250
Securities gains (losses)	$156,000	963
Applicable income taxes	$1,873,000	1,349
Income before extraordinary items	$5,217,000	1,248
Extraordinary gains, net	$0	34
Net income	$5,217,000	1,249
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$973,000	796
Cash dividends	$1,382,000	1,852
Sale, conversion, retirement of capital stock, net	$-6,000	8,865
Net operating income	$5,101,560	1,241
2004-09-30 (YTD Data)		Rank
Total interest income	$18,564,000	1,125
Total interest expense	$6,049,000	985
Net interest income	$12,515,000	1,190
Provision for loan and lease losses	$629,000	1,193
Total noninterest income	$2,066,000	1,734
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$1,139,000	1,172
Trading account gains and fees	$0	134
Additional Noninterest Income	$927,000	1,871
Total noninterest expense	$9,040,000	1,353
Salaries and employee benefits	$5,395,000	1,211
Premises and equipment expense	$1,005,000	1,732
Additional noninterest expense	$2,640,000	1,401
Pre-tax net operating income	$4,912,000	1,328
Securities gains (losses)	$157,000	912
Applicable income taxes	$1,427,000	1,340
Income before extraordinary items	$3,642,000	1,349
Extraordinary gains, net	$0	26
Net income	$3,642,000	1,350
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$709,000	734
Cash dividends	$1,037,000	1,667
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$3,528,960	1,344
2004-06-30 (YTD Data)		Rank
Total interest income	$12,192,000	1,133
Total interest expense	$3,910,000	993
Net interest income	$8,282,000	1,192
Provision for loan and lease losses	$380,000	1,283
Total noninterest income	$1,266,000	1,838
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$727,000	1,213
Trading account gains and fees	$0	130
Additional Noninterest Income	$539,000	2,073
Total noninterest expense	$6,018,000	1,358
Salaries and employee benefits	$3,538,000	1,234
Premises and equipment expense	$693,000	1,665
Additional noninterest expense	$1,787,000	1,360
Pre-tax net operating income	$3,150,000	1,346
Securities gains (losses)	$112,000	960
Applicable income taxes	$908,000	1,387
Income before extraordinary items	$2,354,000	1,374
Extraordinary gains, net	$0	21
Net income	$2,354,000	1,375
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$432,000	786
Cash dividends	$691,000	1,722
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$2,273,360	1,369
2004-03-31 (YTD Data)		Rank
Total interest income	$6,065,000	1,151
Total interest expense	$1,932,000	1,027
Net interest income	$4,133,000	1,196
Provision for loan and lease losses	$200,000	1,147
Total noninterest income	$614,000	1,851
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$349,000	1,226
Trading account gains and fees	$0	121
Additional Noninterest Income	$265,000	2,044
Total noninterest expense	$2,897,000	1,419
Salaries and employee benefits	$1,735,000	1,278
Premises and equipment expense	$353,000	1,664
Additional noninterest expense	$809,000	1,483
Pre-tax net operating income	$1,650,000	1,282
Securities gains (losses)	$0	2,934
Applicable income taxes	$490,000	1,311
Income before extraordinary items	$1,160,000	1,385
Extraordinary gains, net	$0	16
Net income	$1,160,000	1,385
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$328,000	577
Cash dividends	$346,000	1,592
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$1,160,000	1,314
2003-12-31 (YTD Data)		Rank
Total interest income	$23,571,000	1,210
Total interest expense	$8,161,000	1,099
Net interest income	$15,410,000	1,251
Provision for loan and lease losses	$1,085,000	1,100
Total noninterest income	$4,328,000	1,265
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$1,308,000	1,322
Trading account gains and fees	$0	160
Additional Noninterest Income	$3,020,000	1,085
Total noninterest expense	$11,639,000	1,378
Salaries and employee benefits	$6,666,000	1,284
Premises and equipment expense	$1,313,000	1,727
Additional noninterest expense	$3,660,000	1,353
Pre-tax net operating income	$7,014,000	1,195
Securities gains (losses)	$228,000	1,248
Applicable income taxes	$2,116,000	1,234
Income before extraordinary items	$5,126,000	1,252
Extraordinary gains, net	$0	54
Net income	$5,126,000	1,254
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$759,000	1,148
Cash dividends	$1,306,000	1,935
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$4,964,120	1,219
2003-09-30 (YTD Data)		Rank
Total interest income	$17,926,000	1,222
Total interest expense	$6,252,000	1,122
Net interest income	$11,674,000	1,254
Provision for loan and lease losses	$675,000	1,261
Total noninterest income	$3,478,000	1,222
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$941,000	1,391
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,537,000	1,040
Total noninterest expense	$9,244,000	1,326
Salaries and employee benefits	$5,022,000	1,299
Premises and equipment expense	$989,000	1,732
Additional noninterest expense	$3,233,000	1,170
Pre-tax net operating income	$5,233,000	1,233
Securities gains (losses)	$228,000	1,153
Applicable income taxes	$1,685,000	1,218
Income before extraordinary items	$3,776,000	1,307
Extraordinary gains, net	$0	40
Net income	$3,776,000	1,307
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$470,000	1,225
Cash dividends	$973,000	1,791
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$3,618,680	1,296
2003-06-30 (YTD Data)		Rank
Total interest income	$11,969,000	1,231
Total interest expense	$4,308,000	1,113
Net interest income	$7,661,000	1,280
Provision for loan and lease losses	$525,000	1,092
Total noninterest income	$2,472,000	1,165
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$579,000	1,488
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,893,000	952
Total noninterest expense	$6,118,000	1,335
Salaries and employee benefits	$3,290,000	1,320
Premises and equipment expense	$727,000	1,573
Additional noninterest expense	$2,101,000	1,196
Pre-tax net operating income	$3,490,000	1,228
Securities gains (losses)	$0	3,782
Applicable income taxes	$1,113,000	1,254
Income before extraordinary items	$2,377,000	1,382
Extraordinary gains, net	$0	30
Net income	$2,377,000	1,382
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$227,000	1,507
Cash dividends	$640,000	1,811
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$2,377,000	1,294
2003-03-31 (YTD Data)		Rank
Total interest income	$6,055,000	1,226
Total interest expense	$2,218,000	1,108
Net interest income	$3,837,000	1,274
Provision for loan and lease losses	$275,000	1,022
Total noninterest income	$1,210,000	1,158
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$229,000	1,791
Trading account gains and fees	$0	134
Additional Noninterest Income	$981,000	901
Total noninterest expense	$2,991,000	1,351
Salaries and employee benefits	$1,643,000	1,323
Premises and equipment expense	$381,000	1,513
Additional noninterest expense	$967,000	1,261
Pre-tax net operating income	$1,781,000	1,206
Securities gains (losses)	$0	2,891
Applicable income taxes	$602,000	1,185
Income before extraordinary items	$1,179,000	1,390
Extraordinary gains, net	$0	21
Net income	$1,179,000	1,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$122,000	1,313
Cash dividends	$320,000	1,696
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,179,000	1,304
2002-12-31 (YTD Data)		Rank
Total interest income	$24,605,000	1,252
Total interest expense	$9,373,000	1,203
Net interest income	$15,232,000	1,264
Provision for loan and lease losses	$965,000	1,397
Total noninterest income	$3,557,000	1,365
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$990,000	1,632
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,567,000	1,111
Total noninterest expense	$11,171,000	1,382
Salaries and employee benefits	$6,165,000	1,325
Premises and equipment expense	$1,289,000	1,708
Additional noninterest expense	$3,717,000	1,298
Pre-tax net operating income	$6,653,000	1,268
Securities gains (losses)	$208,000	1,134
Applicable income taxes	$2,033,000	1,276
Income before extraordinary items	$4,828,000	1,305
Extraordinary gains, net	$0	70
Net income	$4,828,000	1,304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$714,000	1,254
Cash dividends	$1,178,000	1,987
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,682,400	1,287
2001-12-31 (YTD Data)		Rank
Total interest income	$25,900,000	1,321
Total interest expense	$11,729,000	1,384
Net interest income	$14,171,000	1,252
Provision for loan and lease losses	$540,000	2,073
Total noninterest income	$2,766,000	1,574
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$987,000	1,498
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,779,000	1,345
Total noninterest expense	$10,067,000	1,460
Salaries and employee benefits	$5,571,000	1,342
Premises and equipment expense	$1,248,000	1,733
Additional noninterest expense	$3,248,000	1,438
Pre-tax net operating income	$6,330,000	1,179
Securities gains (losses)	$27,000	2,903
Applicable income taxes	$1,999,000	1,179
Income before extraordinary items	$4,358,000	1,246
Extraordinary gains, net	$0	105
Net income	$4,358,000	1,246
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$409,000	1,800
Cash dividends	$1,075,000	2,124
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$4,339,370	1,200
2000-12-31 (YTD Data)		Rank
Total interest income	$24,826,000	1,404
Total interest expense	$11,528,000	1,495
Net interest income	$13,298,000	1,323
Provision for loan and lease losses	$821,000	1,251
Total noninterest income	$2,011,000	1,870
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$913,000	1,502
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,098,000	1,753
Total noninterest expense	$8,593,000	1,627
Salaries and employee benefits	$5,256,000	1,348
Premises and equipment expense	$975,000	2,113
Additional noninterest expense	$2,362,000	1,865
Pre-tax net operating income	$5,895,000	1,257
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,849,000	1,259
Income before extraordinary items	$4,046,000	1,298
Extraordinary gains, net	$0	38
Net income	$4,046,000	1,299
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$405,000	1,461
Cash dividends	$973,000	2,354
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$4,046,000	1,287
1999-12-31 (YTD Data)		Rank
Total interest income	$21,187,000	1,553
Total interest expense	$8,927,000	1,681
Net interest income	$12,260,000	1,423
Provision for loan and lease losses	$638,000	1,430
Total noninterest income	$1,917,000	1,913
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$874,000	1,505
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,043,000	1,810
Total noninterest expense	$8,377,000	1,641
Salaries and employee benefits	$5,030,000	1,377
Premises and equipment expense	$959,000	2,130
Additional noninterest expense	$2,388,000	1,841
Pre-tax net operating income	$5,162,000	1,468
Securities gains (losses)	$15,000	1,536
Applicable income taxes	$1,425,000	1,663
Income before extraordinary items	$3,752,000	1,427
Extraordinary gains, net	$0	35
Net income	$3,752,000	1,428
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$350,000	1,616
Cash dividends	$864,000	2,536
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$3,741,200	1,408
1998-12-31 (YTD Data)		Rank
Total interest income	$19,574,000	1,664
Total interest expense	$8,673,000	1,767
Net interest income	$10,901,000	1,555
Provision for loan and lease losses	$511,000	1,689
Total noninterest income	$1,932,000	1,886
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$821,000	1,543
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,111,000	1,718
Total noninterest expense	$7,455,000	1,754
Salaries and employee benefits	$4,422,000	1,479
Premises and equipment expense	$876,000	2,226
Additional noninterest expense	$2,157,000	1,962
Pre-tax net operating income	$4,867,000	1,516
Securities gains (losses)	$32,000	2,083
Applicable income taxes	$1,497,000	1,637
Income before extraordinary items	$3,402,000	1,549
Extraordinary gains, net	$0	32
Net income	$3,402,000	1,549
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$327,000	1,742
Cash dividends	$781,000	2,649
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$3,379,920	1,501
1997-12-31 (YTD Data)		Rank
Total interest income	$17,626,000	1,877
Total interest expense	$7,585,000	2,028
Net interest income	$10,041,000	1,735
Provision for loan and lease losses	$630,000	1,447
Total noninterest income	$1,729,000	1,974
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$765,000	1,693
Trading account gains and fees	$0	239
Additional Noninterest Income	$964,000	1,780
Total noninterest expense	$6,640,000	1,942
Salaries and employee benefits	$3,865,000	1,696
Premises and equipment expense	$803,000	2,418
Additional noninterest expense	$1,972,000	2,119
Pre-tax net operating income	$4,500,000	1,706
Securities gains (losses)	$-9,000	9,978
Applicable income taxes	$1,417,000	1,785
Income before extraordinary items	$3,074,000	1,728
Extraordinary gains, net	$0	44
Net income	$3,074,000	1,729
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$255,000	2,179
Cash dividends	$698,000	2,813
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$3,080,120	1,695
1996-12-31 (YTD Data)		Rank
Total interest income	$15,707,000	2,148
Total interest expense	$6,787,000	2,275
Net interest income	$8,920,000	2,012
Provision for loan and lease losses	$849,000	1,160
Total noninterest income	$1,664,000	2,130
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$844,000	1,584
Trading account gains and fees	$0	262
Additional Noninterest Income	$820,000	2,076
Total noninterest expense	$6,007,000	2,288
Salaries and employee benefits	$3,353,000	1,968
Premises and equipment expense	$707,000	2,768
Additional noninterest expense	$1,947,000	2,517
Pre-tax net operating income	$3,728,000	1,948
Securities gains (losses)	$21,000	1,959
Applicable income taxes	$1,186,000	2,011
Income before extraordinary items	$2,563,000	1,933
Extraordinary gains, net	$0	53
Net income	$2,563,000	1,934
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,000	3,313
Cash dividends	$621,000	2,966
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$2,548,720	1,902
1995-12-31 (YTD Data)		Rank
Total interest income	$13,486,000	2,475
Total interest expense	$5,943,000	2,584
Net interest income	$7,543,000	2,378
Provision for loan and lease losses	$264,000	2,470
Total noninterest income	$1,658,000	2,131
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$813,000	1,661
Trading account gains and fees	$0	522
Additional Noninterest Income	$845,000	2,020
Total noninterest expense	$5,699,000	2,388
Salaries and employee benefits	$3,046,000	2,179
Premises and equipment expense	$658,000	2,971
Additional noninterest expense	$1,995,000	2,403
Pre-tax net operating income	$3,238,000	2,288
Securities gains (losses)	$22,000	1,840
Applicable income taxes	$1,125,000	2,146
Income before extraordinary items	$2,135,000	2,365
Extraordinary gains, net	$0	65
Net income	$2,135,000	2,363
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,953
Cash dividends	$563,000	3,073
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$2,120,700	2,352
1994-12-31 (YTD Data)		Rank
Total interest income	$11,034,000	2,751
Total interest expense	$4,312,000	2,842
Net interest income	$6,722,000	2,700
Provision for loan and lease losses	$30,000	7,083
Total noninterest income	$1,255,000	2,646
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$851,000	1,590
Trading account gains and fees	$0	475
Additional Noninterest Income	$404,000	3,385
Total noninterest expense	$4,970,000	2,790
Salaries and employee benefits	$2,676,000	2,493
Premises and equipment expense	$577,000	3,386
Additional noninterest expense	$1,717,000	2,943
Pre-tax net operating income	$2,977,000	2,395
Securities gains (losses)	$-43,000	10,916
Applicable income taxes	$893,000	2,505
Income before extraordinary items	$2,041,000	2,375
Extraordinary gains, net	$0	249
Net income	$2,041,000	2,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,214
Cash dividends	$515,000	3,114
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,071,100	2,369
1993-12-31 (YTD Data)		Rank
Total interest income	$10,755,000	2,880
Total interest expense	$4,263,000	2,987
Net interest income	$6,492,000	2,786
Provision for loan and lease losses	$60,000	6,949
Total noninterest income	$1,231,000	2,852
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$910,000	1,491
Trading account gains and fees	$0	532
Additional Noninterest Income	$321,000	4,304
Total noninterest expense	$4,897,000	2,904
Salaries and employee benefits	$2,495,000	2,653
Premises and equipment expense	$579,000	3,438
Additional noninterest expense	$1,823,000	2,956
Pre-tax net operating income	$2,766,000	2,483
Securities gains (losses)	$21,000	4,601
Applicable income taxes	$810,000	2,730
Income before extraordinary items	$1,977,000	2,552
Extraordinary gains, net	$0	3,149
Net income	$1,977,000	2,638
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	5,491
Cash dividends	$467,000	3,280
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,962,090	2,422
1992-12-31 (YTD Data)		Rank
Total interest income	$11,054,000	3,174
Total interest expense	$5,224,000	3,180
Net interest income	$5,830,000	3,149
Provision for loan and lease losses	$60,000	8,535
Total noninterest income	$1,091,000	3,078
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$834,000	1,636
Trading account gains and fees	$0	504
Additional Noninterest Income	$257,000	4,876
Total noninterest expense	$4,426,000	3,211
Salaries and employee benefits	$2,341,000	2,771
Premises and equipment expense	$595,000	3,389
Additional noninterest expense	$1,490,000	3,627
Pre-tax net operating income	$2,435,000	2,554
Securities gains (losses)	$57,000	3,915
Applicable income taxes	$681,000	3,056
Income before extraordinary items	$1,811,000	2,533
Extraordinary gains, net	$0	1,422
Net income	$1,811,000	2,569
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	10,157
Cash dividends	$424,000	3,170
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,769,390	2,405

* 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.