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Rabun County Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$14,131,000	2,375
Total interest expense	$2,511,000	2,816
Net interest income	$11,620,000	2,160
Provision for loan and lease losses	$10,000	3,165
Total noninterest income	$1,624,000	2,239
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$304,000	2,174
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,320,000	2,008
Total noninterest expense	$6,998,000	2,561
Salaries and employee benefits	$4,441,000	2,370
Premises and equipment expense	$478,000	3,020
Additional noninterest expense	$1,320,000	2,008
Pre-tax net operating income	$6,236,000	1,676
Securities gains (losses)	$0	988
Applicable income taxes	$1,513,000	1,177
Income before extraordinary items	$4,723,000	1,790
Extraordinary gains, net	$0	54
Net income	$4,723,000	1,812
Minority interest net income	$0	88
Net income of bank and minority interests.	$4,723,000	1,793
Net charge-offs	$-18,000	3,974
Cash dividends	$1,645,000	1,707
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$4,723,000	1,817
2023-09-30 (YTD Data)		Rank
Total interest income	$10,207,000	2,395
Total interest expense	$1,562,000	2,902
Net interest income	$8,645,000	2,179
Provision for loan and lease losses	$9,000	2,959
Total noninterest income	$1,195,000	2,234
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$228,000	2,179
Trading account gains and fees	NA	NA
Additional Noninterest Income	$967,000	2,025
Total noninterest expense	$5,184,000	2,561
Salaries and employee benefits	$3,267,000	2,393
Premises and equipment expense	$349,000	3,068
Additional noninterest expense	$967,000	2,025
Pre-tax net operating income	$4,647,000	1,742
Securities gains (losses)	$0	849
Applicable income taxes	$1,138,000	1,191
Income before extraordinary items	$3,509,000	1,869
Extraordinary gains, net	$0	52
Net income	$3,509,000	1,886
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,509,000	1,869
Net charge-offs	$-17,000	3,954
Cash dividends	$1,645,000	1,300
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$3,509,000	1,898
2023-06-30 (YTD Data)		Rank
Total interest income	$6,630,000	2,398
Total interest expense	$797,000	3,039
Net interest income	$5,833,000	2,181
Provision for loan and lease losses	$4,000	2,862
Total noninterest income	$771,000	2,232
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$150,000	2,188
Trading account gains and fees	NA	NA
Additional Noninterest Income	$621,000	1,978
Total noninterest expense	$3,393,000	2,574
Salaries and employee benefits	$2,154,000	2,408
Premises and equipment expense	$232,000	3,077
Additional noninterest expense	$621,000	1,975
Pre-tax net operating income	$3,207,000	1,680
Securities gains (losses)	$0	938
Applicable income taxes	$791,000	1,171
Income before extraordinary items	$2,416,000	1,819
Extraordinary gains, net	$0	51
Net income	$2,416,000	1,839
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,416,000	1,819
Net charge-offs	$-16,000	4,052
Cash dividends	$1,645,000	1,008
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,416,000	1,830
2023-03-31 (YTD Data)		Rank
Total interest income	$3,139,000	2,463
Total interest expense	$294,000	3,198
Net interest income	$2,845,000	2,224
Provision for loan and lease losses	$5,000	2,479
Total noninterest income	$352,000	2,312
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$72,000	2,247
Trading account gains and fees	NA	NA
Additional Noninterest Income	$280,000	2,077
Total noninterest expense	$1,628,000	2,664
Salaries and employee benefits	$1,033,000	2,498
Premises and equipment expense	$116,000	3,112
Additional noninterest expense	$280,000	2,077
Pre-tax net operating income	$1,564,000	1,733
Securities gains (losses)	$0	950
Applicable income taxes	$401,000	1,164
Income before extraordinary items	$1,163,000	1,903
Extraordinary gains, net	$0	4
Net income	$1,163,000	1,903
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,163,000	1,903
Net charge-offs	$-16,000	4,184
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,163,000	1,917
2022-12-31 (YTD Data)		Rank
Total interest income	$8,990,000	2,682
Total interest expense	$330,000	3,667
Net interest income	$8,660,000	2,558
Provision for loan and lease losses	$0	3,012
Total noninterest income	$1,782,000	2,167
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$264,000	2,412
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,518,000	1,890
Total noninterest expense	$6,408,000	2,648
Salaries and employee benefits	$4,176,000	2,432
Premises and equipment expense	$422,000	3,219
Additional noninterest expense	$1,518,000	1,890
Pre-tax net operating income	$4,034,000	2,299
Securities gains (losses)	$0	691
Applicable income taxes	$745,000	1,768
Income before extraordinary items	$3,289,000	2,334
Extraordinary gains, net	$0	5
Net income	$3,289,000	2,334
Minority interest net income	$0	63
Net income of bank and minority interests.	$3,289,000	2,333
Net charge-offs	$-4,000	3,445
Cash dividends	$1,048,000	2,097
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$3,289,000	2,366
2022-09-30 (YTD Data)		Rank
Total interest income	$6,066,000	2,785
Total interest expense	$187,000	3,778
Net interest income	$5,879,000	2,694
Provision for loan and lease losses	$0	2,835
Total noninterest income	$1,408,000	2,137
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$196,000	2,432
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,212,000	1,862
Total noninterest expense	$4,685,000	2,680
Salaries and employee benefits	$3,008,000	2,493
Premises and equipment expense	$317,000	3,221
Additional noninterest expense	$1,212,000	1,862
Pre-tax net operating income	$2,602,000	2,479
Securities gains (losses)	$0	740
Applicable income taxes	$376,000	2,024
Income before extraordinary items	$2,226,000	2,456
Extraordinary gains, net	$0	4
Net income	$2,226,000	2,455
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,226,000	2,455
Net charge-offs	$-3,000	3,287
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,226,000	2,494
2022-06-30 (YTD Data)		Rank
Total interest income	$3,645,000	2,903
Total interest expense	$138,000	3,625
Net interest income	$3,507,000	2,823
Provision for loan and lease losses	$0	2,599
Total noninterest income	$992,000	2,073
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$123,000	2,507
Trading account gains and fees	NA	NA
Additional Noninterest Income	$869,000	1,816
Total noninterest expense	$3,113,000	2,672
Salaries and employee benefits	$2,006,000	2,495
Premises and equipment expense	$210,000	3,252
Additional noninterest expense	$897,000	2,796
Pre-tax net operating income	$1,386,000	2,661
Securities gains (losses)	$0	687
Applicable income taxes	$341,000	1,765
Income before extraordinary items	$1,045,000	2,785
Extraordinary gains, net	$0	4
Net income	$1,045,000	2,783
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,045,000	2,785
Net charge-offs	$-3,000	3,282
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,045,000	2,811
2022-03-31 (YTD Data)		Rank
Total interest income	$1,743,000	2,935
Total interest expense	$73,000	3,560
Net interest income	$1,670,000	2,864
Provision for loan and lease losses	$0	2,285
Total noninterest income	$509,000	2,054
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$62,000	2,471
Trading account gains and fees	NA	NA
Additional Noninterest Income	$447,000	1,791
Total noninterest expense	$1,565,000	2,663
Salaries and employee benefits	$1,013,000	2,481
Premises and equipment expense	$108,000	3,221
Additional noninterest expense	$444,000	2,802
Pre-tax net operating income	$614,000	2,694
Securities gains (losses)	$0	623
Applicable income taxes	$149,000	1,806
Income before extraordinary items	$465,000	2,825
Extraordinary gains, net	$0	4
Net income	$465,000	2,823
Minority interest net income	$0	50
Net income of bank and minority interests.	$465,000	2,825
Net charge-offs	$-1,000	3,005
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$465,000	2,856
2021-12-31 (YTD Data)		Rank
Total interest income	$6,955,000	3,006
Total interest expense	$347,000	3,594
Net interest income	$6,608,000	2,931
Provision for loan and lease losses	$0	3,064
Total noninterest income	$2,200,000	2,118
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$213,000	2,620
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,987,000	1,912
Total noninterest expense	$6,020,000	2,730
Salaries and employee benefits	$3,910,000	2,543
Premises and equipment expense	$410,000	3,306
Additional noninterest expense	$1,700,000	2,879
Pre-tax net operating income	$2,788,000	2,770
Securities gains (losses)	$0	2,062
Applicable income taxes	$691,000	1,878
Income before extraordinary items	$2,097,000	2,961
Extraordinary gains, net	$0	10
Net income	$2,097,000	2,961
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,097,000	2,961
Net charge-offs	$-61,000	4,197
Cash dividends	$816,000	2,405
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$2,097,000	2,948
2021-09-30 (YTD Data)		Rank
Total interest income	$5,215,000	3,057
Total interest expense	$272,000	3,648
Net interest income	$4,943,000	2,979
Provision for loan and lease losses	$0	2,963
Total noninterest income	$1,580,000	2,214
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$150,000	2,698
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,430,000	2,006
Total noninterest expense	$4,441,000	2,764
Salaries and employee benefits	$2,870,000	2,579
Premises and equipment expense	$308,000	3,356
Additional noninterest expense	$1,263,000	2,897
Pre-tax net operating income	$2,082,000	2,889
Securities gains (losses)	$0	2,015
Applicable income taxes	$517,000	1,955
Income before extraordinary items	$1,565,000	3,079
Extraordinary gains, net	$0	8
Net income	$1,565,000	3,079
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,565,000	3,079
Net charge-offs	$-59,000	4,276
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$1,565,000	3,057
2021-06-30 (YTD Data)		Rank
Total interest income	$3,488,000	3,070
Total interest expense	$192,000	3,651
Net interest income	$3,296,000	2,987
Provision for loan and lease losses	$0	2,862
Total noninterest income	$974,000	2,269
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$96,000	2,699
Trading account gains and fees	NA	NA
Additional Noninterest Income	$878,000	2,056
Total noninterest expense	$2,950,000	2,755
Salaries and employee benefits	$1,908,000	2,584
Premises and equipment expense	$212,000	3,304
Additional noninterest expense	$830,000	2,909
Pre-tax net operating income	$1,320,000	2,930
Securities gains (losses)	$0	1,818
Applicable income taxes	$326,000	1,965
Income before extraordinary items	$994,000	3,131
Extraordinary gains, net	$0	6
Net income	$994,000	3,129
Minority interest net income	$0	67
Net income of bank and minority interests.	$994,000	3,131
Net charge-offs	$-57,000	4,399
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$994,000	3,105
2021-03-31 (YTD Data)		Rank
Total interest income	$1,771,000	3,044
Total interest expense	$102,000	3,674
Net interest income	$1,669,000	2,943
Provision for loan and lease losses	$0	2,741
Total noninterest income	$495,000	2,243
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$47,000	2,722
Trading account gains and fees	NA	NA
Additional Noninterest Income	$448,000	2,027
Total noninterest expense	$1,502,000	2,712
Salaries and employee benefits	$964,000	2,553
Premises and equipment expense	$108,000	3,283
Additional noninterest expense	$430,000	2,804
Pre-tax net operating income	$662,000	2,911
Securities gains (losses)	$0	1,392
Applicable income taxes	$163,000	1,956
Income before extraordinary items	$499,000	3,119
Extraordinary gains, net	$0	3
Net income	$499,000	3,118
Minority interest net income	$0	55
Net income of bank and minority interests.	$499,000	3,119
Net charge-offs	$-36,000	4,511
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$499,000	3,098
2020-12-31 (YTD Data)		Rank
Total interest income	$7,190,000	3,040
Total interest expense	$648,000	3,541
Net interest income	$6,542,000	2,924
Provision for loan and lease losses	$0	4,319
Total noninterest income	$1,410,000	2,495
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$199,000	2,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,211,000	2,293
Total noninterest expense	$5,806,000	2,746
Salaries and employee benefits	$3,795,000	2,565
Premises and equipment expense	$418,000	3,324
Additional noninterest expense	$1,593,000	2,949
Pre-tax net operating income	$2,146,000	2,869
Securities gains (losses)	$0	2,675
Applicable income taxes	$514,000	1,924
Income before extraordinary items	$1,632,000	3,093
Extraordinary gains, net	$0	4
Net income	$1,632,000	3,092
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,632,000	3,093
Net charge-offs	$-107,000	4,764
Cash dividends	$1,087,000	2,115
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$1,632,000	3,036
2020-09-30 (YTD Data)		Rank
Total interest income	$5,432,000	3,063
Total interest expense	$518,000	3,555
Net interest income	$4,914,000	2,926
Provision for loan and lease losses	$0	4,239
Total noninterest income	$907,000	2,632
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$146,000	2,822
Trading account gains and fees	NA	NA
Additional Noninterest Income	$761,000	2,416
Total noninterest expense	$4,301,000	2,752
Salaries and employee benefits	$2,753,000	2,605
Premises and equipment expense	$320,000	3,309
Additional noninterest expense	$1,228,000	2,872
Pre-tax net operating income	$1,520,000	2,931
Securities gains (losses)	$0	2,494
Applicable income taxes	$358,000	1,960
Income before extraordinary items	$1,162,000	3,163
Extraordinary gains, net	$0	4
Net income	$1,162,000	3,162
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,162,000	3,163
Net charge-offs	$-4,000	4,037
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,162,000	3,103
2020-06-30 (YTD Data)		Rank
Total interest income	$3,648,000	3,085
Total interest expense	$359,000	3,610
Net interest income	$3,289,000	2,936
Provision for loan and lease losses	$0	4,134
Total noninterest income	$445,000	2,946
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$97,000	2,864
Trading account gains and fees	NA	NA
Additional Noninterest Income	$348,000	2,759
Total noninterest expense	$2,844,000	2,779
Salaries and employee benefits	$1,812,000	2,635
Premises and equipment expense	$212,000	3,321
Additional noninterest expense	$820,000	2,865
Pre-tax net operating income	$890,000	3,096
Securities gains (losses)	$0	2,249
Applicable income taxes	$203,000	2,044
Income before extraordinary items	$687,000	3,304
Extraordinary gains, net	$0	4
Net income	$687,000	3,303
Minority interest net income	$0	65
Net income of bank and minority interests.	$687,000	3,304
Net charge-offs	$-2,000	3,888
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$687,000	3,243
2020-03-31 (YTD Data)		Rank
Total interest income	$1,904,000	3,008
Total interest expense	$187,000	3,683
Net interest income	$1,717,000	2,839
Provision for loan and lease losses	$0	3,711
Total noninterest income	$94,000	3,860
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$61,000	2,814
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	4,156
Total noninterest expense	$1,415,000	2,808
Salaries and employee benefits	$903,000	2,650
Premises and equipment expense	$104,000	3,358
Additional noninterest expense	$408,000	2,898
Pre-tax net operating income	$396,000	3,082
Securities gains (losses)	$0	1,705
Applicable income taxes	$86,000	2,064
Income before extraordinary items	$310,000	3,247
Extraordinary gains, net	$0	4
Net income	$310,000	3,247
Minority interest net income	$0	56
Net income of bank and minority interests.	$310,000	3,248
Net charge-offs	$-7,000	4,334
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$310,000	3,222
2019-12-31 (YTD Data)		Rank
Total interest income	$7,844,000	2,988
Total interest expense	$634,000	3,928
Net interest income	$7,210,000	2,789
Provision for loan and lease losses	$0	3,973
Total noninterest income	$1,448,000	2,346
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$267,000	2,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,181,000	2,072
Total noninterest expense	$5,797,000	2,748
Salaries and employee benefits	$3,510,000	2,661
Premises and equipment expense	$409,000	3,427
Additional noninterest expense	$1,878,000	2,664
Pre-tax net operating income	$2,861,000	2,538
Securities gains (losses)	$0	2,379
Applicable income taxes	$687,000	1,729
Income before extraordinary items	$2,174,000	2,778
Extraordinary gains, net	$0	11
Net income	$2,174,000	2,779
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,174,000	2,780
Net charge-offs	$-386,000	5,084
Cash dividends	$600,000	2,822
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,174,000	2,745
2019-09-30 (YTD Data)		Rank
Total interest income	$5,878,000	3,024
Total interest expense	$449,000	4,019
Net interest income	$5,429,000	2,823
Provision for loan and lease losses	$0	3,836
Total noninterest income	$1,075,000	2,362
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$198,000	2,829
Trading account gains and fees	NA	NA
Additional Noninterest Income	$877,000	2,066
Total noninterest expense	$4,308,000	2,784
Salaries and employee benefits	$2,567,000	2,713
Premises and equipment expense	$302,000	3,484
Additional noninterest expense	$1,439,000	2,632
Pre-tax net operating income	$2,196,000	2,566
Securities gains (losses)	$0	2,167
Applicable income taxes	$522,000	1,759
Income before extraordinary items	$1,674,000	2,797
Extraordinary gains, net	$0	11
Net income	$1,674,000	2,798
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,674,000	2,798
Net charge-offs	$-385,000	5,162
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,674,000	2,763
2019-06-30 (YTD Data)		Rank
Total interest income	$3,851,000	3,060
Total interest expense	$276,000	4,095
Net interest income	$3,575,000	2,855
Provision for loan and lease losses	$0	3,685
Total noninterest income	$733,000	2,298
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$133,000	2,820
Trading account gains and fees	NA	NA
Additional Noninterest Income	$600,000	2,007
Total noninterest expense	$2,838,000	2,823
Salaries and employee benefits	$1,698,000	2,747
Premises and equipment expense	$199,000	3,524
Additional noninterest expense	$941,000	2,703
Pre-tax net operating income	$1,470,000	2,542
Securities gains (losses)	$0	1,702
Applicable income taxes	$311,000	1,823
Income before extraordinary items	$1,159,000	2,729
Extraordinary gains, net	$0	11
Net income	$1,159,000	2,729
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,159,000	2,728
Net charge-offs	$-472,000	5,253
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,159,000	2,705
2019-03-31 (YTD Data)		Rank
Total interest income	$1,926,000	3,079
Total interest expense	$121,000	4,243
Net interest income	$1,805,000	2,866
Provision for loan and lease losses	$0	3,406
Total noninterest income	$357,000	2,313
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$67,000	2,814
Trading account gains and fees	NA	NA
Additional Noninterest Income	$290,000	1,998
Total noninterest expense	$1,387,000	2,870
Salaries and employee benefits	$841,000	2,781
Premises and equipment expense	$99,000	3,561
Additional noninterest expense	$447,000	2,789
Pre-tax net operating income	$775,000	2,413
Securities gains (losses)	$0	1,087
Applicable income taxes	$165,000	1,752
Income before extraordinary items	$610,000	2,595
Extraordinary gains, net	$0	5
Net income	$610,000	2,594
Minority interest net income	$0	52
Net income of bank and minority interests.	$610,000	2,594
Net charge-offs	$-544,000	5,333
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$610,000	2,579
2018-12-31 (YTD Data)		Rank
Total interest income	$7,333,000	3,085
Total interest expense	$363,000	4,298
Net interest income	$6,970,000	2,911
Provision for loan and lease losses	$0	4,082
Total noninterest income	$641,000	3,467
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$241,000	3,073
Trading account gains and fees	NA	NA
Additional Noninterest Income	$400,000	3,350
Total noninterest expense	$5,327,000	2,934
Salaries and employee benefits	$3,204,000	2,841
Premises and equipment expense	$381,000	3,618
Additional noninterest expense	$1,742,000	2,858
Pre-tax net operating income	$2,284,000	2,924
Securities gains (losses)	$0	1,125
Applicable income taxes	$-2,194,000	5,391
Income before extraordinary items	$4,478,000	1,723
Extraordinary gains, net	$0	6
Net income	$4,478,000	1,722
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,478,000	1,722
Net charge-offs	$-68,000	4,967
Cash dividends	$1,647,000	1,635
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,478,000	1,724
2018-09-30 (YTD Data)		Rank
Total interest income	$5,418,000	3,118
Total interest expense	$248,000	4,384
Net interest income	$5,170,000	2,935
Provision for loan and lease losses	$0	3,948
Total noninterest income	$888,000	2,668
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$172,000	3,156
Trading account gains and fees	NA	NA
Additional Noninterest Income	$716,000	2,317
Total noninterest expense	$3,979,000	2,952
Salaries and employee benefits	$2,320,000	2,911
Premises and equipment expense	$287,000	3,639
Additional noninterest expense	$1,372,000	2,762
Pre-tax net operating income	$2,079,000	2,676
Securities gains (losses)	$0	1,118
Applicable income taxes	$0	4,032
Income before extraordinary items	$2,079,000	2,452
Extraordinary gains, net	$0	5
Net income	$2,079,000	2,451
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,079,000	2,451
Net charge-offs	$-51,000	4,934
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,079,000	2,448
2018-06-30 (YTD Data)		Rank
Total interest income	$3,537,000	3,146
Total interest expense	$148,000	4,481
Net interest income	$3,389,000	2,973
Provision for loan and lease losses	$0	3,782
Total noninterest income	$547,000	2,759
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$113,000	3,176
Trading account gains and fees	NA	NA
Additional Noninterest Income	$434,000	2,420
Total noninterest expense	$2,658,000	2,977
Salaries and employee benefits	$1,548,000	2,927
Premises and equipment expense	$190,000	3,684
Additional noninterest expense	$920,000	2,756
Pre-tax net operating income	$1,278,000	2,774
Securities gains (losses)	$0	961
Applicable income taxes	$0	4,018
Income before extraordinary items	$1,278,000	2,574
Extraordinary gains, net	$0	6
Net income	$1,278,000	2,573
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,278,000	2,573
Net charge-offs	$-48,000	5,008
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,278,000	2,565
2018-03-31 (YTD Data)		Rank
Total interest income	$1,693,000	3,224
Total interest expense	$64,000	4,649
Net interest income	$1,629,000	3,054
Provision for loan and lease losses	$0	3,508
Total noninterest income	$305,000	2,603
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$55,000	3,228
Trading account gains and fees	NA	NA
Additional Noninterest Income	$250,000	2,223
Total noninterest expense	$1,303,000	3,038
Salaries and employee benefits	$775,000	2,949
Premises and equipment expense	$90,000	3,823
Additional noninterest expense	$438,000	2,890
Pre-tax net operating income	$631,000	2,736
Securities gains (losses)	$0	735
Applicable income taxes	$0	3,948
Income before extraordinary items	$631,000	2,530
Extraordinary gains, net	$0	7
Net income	$631,000	2,530
Minority interest net income	$0	52
Net income of bank and minority interests.	$631,000	2,530
Net charge-offs	$-13,000	4,839
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$631,000	2,527
2017-12-31 (YTD Data)		Rank
Total interest income	$6,297,000	3,316
Total interest expense	$301,000	4,400
Net interest income	$5,996,000	3,179
Provision for loan and lease losses	$0	4,227
Total noninterest income	$1,106,000	2,805
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$231,000	3,260
Trading account gains and fees	NA	NA
Additional Noninterest Income	$875,000	2,451
Total noninterest expense	$5,048,000	3,074
Salaries and employee benefits	$3,005,000	2,980
Premises and equipment expense	$367,000	3,821
Additional noninterest expense	$1,676,000	2,992
Pre-tax net operating income	$2,054,000	3,071
Securities gains (losses)	$2,000	1,996
Applicable income taxes	$0	4,135
Income before extraordinary items	$2,056,000	2,651
Extraordinary gains, net	$0	9
Net income	$2,056,000	2,649
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,056,000	2,651
Net charge-offs	$205,000	1,806
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,054,000	2,634
2017-09-30 (YTD Data)		Rank
Total interest income	$4,657,000	3,365
Total interest expense	$234,000	4,372
Net interest income	$4,423,000	3,232
Provision for loan and lease losses	$0	4,088
Total noninterest income	$815,000	2,855
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$176,000	3,253
Trading account gains and fees	NA	NA
Additional Noninterest Income	$639,000	2,509
Total noninterest expense	$3,818,000	3,078
Salaries and employee benefits	$2,234,000	3,023
Premises and equipment expense	$278,000	3,822
Additional noninterest expense	$1,306,000	2,920
Pre-tax net operating income	$1,420,000	3,271
Securities gains (losses)	$0	2,274
Applicable income taxes	$0	4,172
Income before extraordinary items	$1,420,000	2,943
Extraordinary gains, net	$0	9
Net income	$1,420,000	2,942
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,420,000	2,943
Net charge-offs	$190,000	1,438
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,420,000	2,921
2017-06-30 (YTD Data)		Rank
Total interest income	$2,990,000	3,434
Total interest expense	$166,000	4,284
Net interest income	$2,824,000	3,317
Provision for loan and lease losses	$0	3,871
Total noninterest income	$533,000	2,882
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$118,000	3,253
Trading account gains and fees	NA	NA
Additional Noninterest Income	$415,000	2,536
Total noninterest expense	$2,566,000	3,084
Salaries and employee benefits	$1,498,000	3,023
Premises and equipment expense	$184,000	3,855
Additional noninterest expense	$884,000	2,903
Pre-tax net operating income	$791,000	3,481
Securities gains (losses)	$0	1,906
Applicable income taxes	$0	4,189
Income before extraordinary items	$791,000	3,187
Extraordinary gains, net	$0	11
Net income	$791,000	3,186
Minority interest net income	$0	71
Net income of bank and minority interests.	$791,000	3,187
Net charge-offs	$189,000	1,090
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$791,000	3,171
2017-03-31 (YTD Data)		Rank
Total interest income	$1,441,000	3,526
Total interest expense	$94,000	4,109
Net interest income	$1,347,000	3,420
Provision for loan and lease losses	$0	3,537
Total noninterest income	$259,000	2,906
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$62,000	3,168
Trading account gains and fees	NA	NA
Additional Noninterest Income	$197,000	2,597
Total noninterest expense	$1,261,000	3,150
Salaries and employee benefits	$744,000	3,079
Premises and equipment expense	$91,000	3,915
Additional noninterest expense	$426,000	2,993
Pre-tax net operating income	$345,000	3,641
Securities gains (losses)	$0	1,153
Applicable income taxes	$0	4,086
Income before extraordinary items	$345,000	3,397
Extraordinary gains, net	$0	8
Net income	$345,000	3,396
Minority interest net income	$0	55
Net income of bank and minority interests.	$345,000	3,397
Net charge-offs	$-5,000	4,686
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$345,000	3,372
2016-12-31 (YTD Data)		Rank
Total interest income	$5,448,000	3,638
Total interest expense	$384,000	4,086
Net interest income	$5,064,000	3,549
Provision for loan and lease losses	$0	4,332
Total noninterest income	$945,000	3,130
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$244,000	3,308
Trading account gains and fees	$0	170
Additional Noninterest Income	$701,000	2,827
Total noninterest expense	$4,855,000	3,238
Salaries and employee benefits	$2,873,000	3,112
Premises and equipment expense	$373,000	3,907
Additional noninterest expense	$1,609,000	3,191
Pre-tax net operating income	$1,154,000	3,885
Securities gains (losses)	$10,000	2,659
Applicable income taxes	$0	4,278
Income before extraordinary items	$1,164,000	3,685
Extraordinary gains, net	$0	5
Net income	$1,164,000	3,683
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,164,000	3,684
Net charge-offs	$53,000	3,102
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,154,000	3,639
2016-09-30 (YTD Data)		Rank
Total interest income	$4,044,000	3,671
Total interest expense	$288,000	4,119
Net interest income	$3,756,000	3,584
Provision for loan and lease losses	$0	4,186
Total noninterest income	$674,000	3,217
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$184,000	3,308
Trading account gains and fees	$0	169
Additional Noninterest Income	$490,000	2,919
Total noninterest expense	$3,586,000	3,268
Salaries and employee benefits	$2,060,000	3,206
Premises and equipment expense	$283,000	3,896
Additional noninterest expense	$1,243,000	3,143
Pre-tax net operating income	$844,000	3,956
Securities gains (losses)	$0	3,160
Applicable income taxes	$0	4,325
Income before extraordinary items	$844,000	3,774
Extraordinary gains, net	$0	5
Net income	$844,000	3,772
Minority interest net income	$0	71
Net income of bank and minority interests.	$844,000	3,774
Net charge-offs	$53,000	2,550
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$844,000	3,712
2016-06-30 (YTD Data)		Rank
Total interest income	$2,652,000	3,718
Total interest expense	$192,000	4,153
Net interest income	$2,460,000	3,646
Provision for loan and lease losses	$0	4,017
Total noninterest income	$420,000	3,325
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$119,000	3,360
Trading account gains and fees	$0	157
Additional Noninterest Income	$301,000	3,018
Total noninterest expense	$2,379,000	3,306
Salaries and employee benefits	$1,364,000	3,241
Premises and equipment expense	$186,000	3,952
Additional noninterest expense	$829,000	3,149
Pre-tax net operating income	$501,000	4,146
Securities gains (losses)	$0	2,835
Applicable income taxes	$0	4,338
Income before extraordinary items	$501,000	3,954
Extraordinary gains, net	$0	16
Net income	$501,000	3,952
Minority interest net income	$0	71
Net income of bank and minority interests.	$501,000	3,953
Net charge-offs	$56,000	2,063
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$501,000	3,882
2016-03-31 (YTD Data)		Rank
Total interest income	$1,302,000	3,769
Total interest expense	$96,000	4,173
Net interest income	$1,206,000	3,683
Provision for loan and lease losses	$0	3,656
Total noninterest income	$257,000	2,971
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$58,000	3,385
Trading account gains and fees	$0	142
Additional Noninterest Income	$199,000	2,621
Total noninterest expense	$1,212,000	3,294
Salaries and employee benefits	$685,000	3,259
Premises and equipment expense	$97,000	3,912
Additional noninterest expense	$430,000	3,068
Pre-tax net operating income	$251,000	4,135
Securities gains (losses)	$0	2,077
Applicable income taxes	$0	4,259
Income before extraordinary items	$251,000	3,917
Extraordinary gains, net	$0	12
Net income	$251,000	3,914
Minority interest net income	$0	62
Net income of bank and minority interests.	$251,000	3,915
Net charge-offs	$44,000	1,519
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$251,000	3,857
2015-12-31 (YTD Data)		Rank
Total interest income	$5,750,000	3,540
Total interest expense	$430,000	4,014
Net interest income	$5,320,000	3,445
Provision for loan and lease losses	$-600,000	5,972
Total noninterest income	$833,000	3,382
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$240,000	3,414
Trading account gains and fees	$0	159
Additional Noninterest Income	$593,000	3,054
Total noninterest expense	$5,589,000	3,001
Salaries and employee benefits	$3,584,000	2,690
Premises and equipment expense	$366,000	4,068
Additional noninterest expense	$1,639,000	3,215
Pre-tax net operating income	$1,164,000	3,880
Securities gains (losses)	$0	3,216
Applicable income taxes	$0	4,402
Income before extraordinary items	$1,164,000	3,678
Extraordinary gains, net	$0	23
Net income	$1,164,000	3,677
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,164,000	3,679
Net charge-offs	$-531,000	6,016
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,164,000	3,629
2015-09-30 (YTD Data)		Rank
Total interest income	$4,403,000	3,527
Total interest expense	$331,000	4,024
Net interest income	$4,072,000	3,433
Provision for loan and lease losses	$0	4,232
Total noninterest income	$543,000	3,599
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$184,000	3,405
Trading account gains and fees	$0	153
Additional Noninterest Income	$359,000	3,363
Total noninterest expense	$3,509,000	3,402
Salaries and employee benefits	$2,036,000	3,255
Premises and equipment expense	$278,000	4,110
Additional noninterest expense	$1,195,000	3,295
Pre-tax net operating income	$1,106,000	3,584
Securities gains (losses)	$0	3,031
Applicable income taxes	$0	4,489
Income before extraordinary items	$1,106,000	3,318
Extraordinary gains, net	$0	21
Net income	$1,106,000	3,316
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,106,000	3,317
Net charge-offs	$-580,000	6,135
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,106,000	3,263
2015-06-30 (YTD Data)		Rank
Total interest income	$2,776,000	3,664
Total interest expense	$221,000	4,051
Net interest income	$2,555,000	3,579
Provision for loan and lease losses	$0	4,069
Total noninterest income	$354,000	3,642
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$129,000	3,308
Trading account gains and fees	$0	157
Additional Noninterest Income	$225,000	3,461
Total noninterest expense	$2,373,000	3,390
Salaries and employee benefits	$1,375,000	3,254
Premises and equipment expense	$183,000	4,166
Additional noninterest expense	$815,000	3,263
Pre-tax net operating income	$536,000	4,076
Securities gains (losses)	$0	2,636
Applicable income taxes	$0	4,497
Income before extraordinary items	$536,000	3,847
Extraordinary gains, net	$0	22
Net income	$536,000	3,848
Minority interest net income	$0	75
Net income of bank and minority interests.	$536,000	3,850
Net charge-offs	$-46,000	5,728
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$536,000	3,795
2015-03-31 (YTD Data)		Rank
Total interest income	$1,356,000	3,723
Total interest expense	$110,000	4,099
Net interest income	$1,246,000	3,636
Provision for loan and lease losses	$0	3,703
Total noninterest income	$215,000	3,315
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$61,000	3,365
Trading account gains and fees	$0	152
Additional Noninterest Income	$154,000	2,985
Total noninterest expense	$1,175,000	3,426
Salaries and employee benefits	$674,000	3,312
Premises and equipment expense	$90,000	4,234
Additional noninterest expense	$411,000	3,235
Pre-tax net operating income	$286,000	3,950
Securities gains (losses)	$0	2,027
Applicable income taxes	$0	4,400
Income before extraordinary items	$286,000	3,733
Extraordinary gains, net	$0	13
Net income	$286,000	3,736
Minority interest net income	$0	64
Net income of bank and minority interests.	$286,000	3,737
Net charge-offs	$12,000	2,395
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$286,000	3,646
2014-12-31 (YTD Data)		Rank
Total interest income	$5,894,000	3,571
Total interest expense	$564,000	3,765
Net interest income	$5,330,000	3,504
Provision for loan and lease losses	$0	4,603
Total noninterest income	$419,000	4,542
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$286,000	3,303
Trading account gains and fees	$0	180
Additional Noninterest Income	$133,000	4,966
Total noninterest expense	$5,016,000	3,303
Salaries and employee benefits	$2,695,000	3,309
Premises and equipment expense	$363,000	4,279
Additional noninterest expense	$1,958,000	2,922
Pre-tax net operating income	$733,000	4,594
Securities gains (losses)	$22,000	2,277
Applicable income taxes	$0	4,531
Income before extraordinary items	$755,000	4,388
Extraordinary gains, net	$0	17
Net income	$755,000	4,388
Minority interest net income	$0	84
Net income of bank and minority interests.	$755,000	4,389
Net charge-offs	$201,000	2,451
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$733,000	4,376
2014-09-30 (YTD Data)		Rank
Total interest income	$4,458,000	3,577
Total interest expense	$445,000	3,719
Net interest income	$4,013,000	3,527
Provision for loan and lease losses	$0	4,401
Total noninterest income	$285,000	4,746
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$213,000	3,350
Trading account gains and fees	$0	174
Additional Noninterest Income	$72,000	5,350
Total noninterest expense	$3,756,000	3,328
Salaries and employee benefits	$2,034,000	3,320
Premises and equipment expense	$273,000	4,342
Additional noninterest expense	$1,449,000	2,976
Pre-tax net operating income	$542,000	4,696
Securities gains (losses)	$22,000	1,969
Applicable income taxes	$0	4,583
Income before extraordinary items	$564,000	4,434
Extraordinary gains, net	$0	15
Net income	$564,000	4,435
Minority interest net income	$0	81
Net income of bank and minority interests.	$564,000	4,436
Net charge-offs	$483,000	1,184
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$542,000	4,453
2014-06-30 (YTD Data)		Rank
Total interest income	$3,008,000	3,554
Total interest expense	$302,000	3,719
Net interest income	$2,706,000	3,497
Provision for loan and lease losses	$0	4,196
Total noninterest income	$253,000	4,307
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$141,000	3,349
Trading account gains and fees	$0	172
Additional Noninterest Income	$112,000	4,429
Total noninterest expense	$2,481,000	3,365
Salaries and employee benefits	$1,366,000	3,330
Premises and equipment expense	$184,000	4,355
Additional noninterest expense	$931,000	3,058
Pre-tax net operating income	$478,000	4,245
Securities gains (losses)	$22,000	1,602
Applicable income taxes	$0	4,568
Income before extraordinary items	$500,000	3,966
Extraordinary gains, net	$0	20
Net income	$500,000	3,972
Minority interest net income	$0	80
Net income of bank and minority interests.	$500,000	3,972
Net charge-offs	$281,000	1,308
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$478,000	3,974
2014-03-31 (YTD Data)		Rank
Total interest income	$1,535,000	3,532
Total interest expense	$152,000	3,759
Net interest income	$1,383,000	3,465
Provision for loan and lease losses	$0	3,817
Total noninterest income	$296,000	2,815
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$69,000	3,363
Trading account gains and fees	$0	147
Additional Noninterest Income	$227,000	2,379
Total noninterest expense	$1,261,000	3,352
Salaries and employee benefits	$692,000	3,312
Premises and equipment expense	$97,000	4,279
Additional noninterest expense	$472,000	3,016
Pre-tax net operating income	$418,000	3,231
Securities gains (losses)	$22,000	928
Applicable income taxes	$0	4,445
Income before extraordinary items	$440,000	2,819
Extraordinary gains, net	$0	16
Net income	$440,000	2,822
Minority interest net income	$0	66
Net income of bank and minority interests.	$440,000	2,822
Net charge-offs	$197,000	960
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$418,000	2,872
2013-12-31 (YTD Data)		Rank
Total interest income	$6,785,000	3,332
Total interest expense	$989,000	2,963
Net interest income	$5,796,000	3,347
Provision for loan and lease losses	$0	5,091
Total noninterest income	$562,000	4,233
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$315,000	3,272
Trading account gains and fees	$0	184
Additional Noninterest Income	$247,000	4,336
Total noninterest expense	$5,235,000	3,298
Salaries and employee benefits	$2,700,000	3,344
Premises and equipment expense	$360,000	4,468
Additional noninterest expense	$2,175,000	2,796
Pre-tax net operating income	$1,123,000	3,896
Securities gains (losses)	$0	3,182
Applicable income taxes	$-250,000	6,574
Income before extraordinary items	$1,373,000	3,322
Extraordinary gains, net	$0	29
Net income	$1,373,000	3,324
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,373,000	3,325
Net charge-offs	$1,947,000	760
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,373,000	3,265
2013-09-30 (YTD Data)		Rank
Total interest income	$5,172,000	3,314
Total interest expense	$825,000	2,829
Net interest income	$4,347,000	3,379
Provision for loan and lease losses	$0	4,941
Total noninterest income	$506,000	3,986
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$235,000	3,302
Trading account gains and fees	$0	180
Additional Noninterest Income	$271,000	3,897
Total noninterest expense	$3,948,000	3,289
Salaries and employee benefits	$2,022,000	3,375
Premises and equipment expense	$271,000	4,482
Additional noninterest expense	$1,655,000	2,750
Pre-tax net operating income	$905,000	3,850
Securities gains (losses)	$0	3,040
Applicable income taxes	$0	4,713
Income before extraordinary items	$905,000	3,598
Extraordinary gains, net	$0	25
Net income	$905,000	3,600
Minority interest net income	$0	84
Net income of bank and minority interests.	$905,000	3,602
Net charge-offs	$1,390,000	785
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$905,000	3,526
2013-06-30 (YTD Data)		Rank
Total interest income	$3,516,000	3,273
Total interest expense	$590,000	2,735
Net interest income	$2,926,000	3,352
Provision for loan and lease losses	$0	4,788
Total noninterest income	$490,000	3,333
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$159,000	3,244
Trading account gains and fees	$0	157
Additional Noninterest Income	$331,000	3,068
Total noninterest expense	$2,654,000	3,275
Salaries and employee benefits	$1,347,000	3,389
Premises and equipment expense	$183,000	4,473
Additional noninterest expense	$1,124,000	2,689
Pre-tax net operating income	$762,000	3,419
Securities gains (losses)	$0	2,791
Applicable income taxes	$0	4,679
Income before extraordinary items	$762,000	3,159
Extraordinary gains, net	$0	22
Net income	$762,000	3,161
Minority interest net income	$0	82
Net income of bank and minority interests.	$762,000	3,162
Net charge-offs	$1,180,000	681
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$762,000	3,064
2013-03-31 (YTD Data)		Rank
Total interest income	$1,797,000	3,244
Total interest expense	$311,000	2,712
Net interest income	$1,486,000	3,321
Provision for loan and lease losses	$0	4,409
Total noninterest income	$172,000	3,912
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$76,000	3,310
Trading account gains and fees	$0	148
Additional Noninterest Income	$96,000	3,815
Total noninterest expense	$1,326,000	3,301
Salaries and employee benefits	$677,000	3,408
Premises and equipment expense	$92,000	4,494
Additional noninterest expense	$557,000	2,717
Pre-tax net operating income	$332,000	3,614
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$332,000	3,377
Extraordinary gains, net	$0	10
Net income	$332,000	3,377
Minority interest net income	$0	76
Net income of bank and minority interests.	$332,000	3,379
Net charge-offs	$1,121,000	432
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$332,000	3,275
2012-12-31 (YTD Data)		Rank
Total interest income	$8,616,000	2,926
Total interest expense	$1,898,000	2,223
Net interest income	$6,718,000	3,086
Provision for loan and lease losses	$500,000	2,712
Total noninterest income	$-897,000	7,019
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$340,000	3,247
Trading account gains and fees	$0	166
Additional Noninterest Income	$-1,237,000	7,013
Total noninterest expense	$5,994,000	3,038
Salaries and employee benefits	$2,731,000	3,339
Premises and equipment expense	$364,000	4,509
Additional noninterest expense	$2,899,000	2,240
Pre-tax net operating income	$-673,000	6,560
Securities gains (losses)	$0	3,810
Applicable income taxes	$0	4,751
Income before extraordinary items	$-673,000	6,643
Extraordinary gains, net	$0	29
Net income	$-673,000	6,637
Minority interest net income	$0	93
Net income of bank and minority interests.	$-673,000	6,639
Net charge-offs	$2,597,000	944
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$-673,000	6,589
2012-09-30 (YTD Data)		Rank
Total interest income	$6,617,000	2,933
Total interest expense	$1,505,000	2,207
Net interest income	$5,112,000	3,096
Provision for loan and lease losses	$500,000	2,258
Total noninterest income	$-732,000	7,122
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$253,000	3,302
Trading account gains and fees	$0	157
Additional Noninterest Income	$-985,000	7,122
Total noninterest expense	$4,342,000	3,132
Salaries and employee benefits	$2,058,000	3,351
Premises and equipment expense	$277,000	4,548
Additional noninterest expense	$2,007,000	2,412
Pre-tax net operating income	$-462,000	6,673
Securities gains (losses)	$0	3,575
Applicable income taxes	$0	4,802
Income before extraordinary items	$-462,000	6,743
Extraordinary gains, net	$0	20
Net income	$-462,000	6,741
Minority interest net income	$0	86
Net income of bank and minority interests.	$-462,000	6,741
Net charge-offs	$1,994,000	930
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$-462,000	6,683
2012-06-30 (YTD Data)		Rank
Total interest income	$4,543,000	2,883
Total interest expense	$1,065,000	2,168
Net interest income	$3,478,000	3,056
Provision for loan and lease losses	$500,000	1,802
Total noninterest income	$301,000	4,207
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$161,000	3,379
Trading account gains and fees	$0	153
Additional Noninterest Income	$140,000	4,174
Total noninterest expense	$2,974,000	3,082
Salaries and employee benefits	$1,386,000	3,349
Premises and equipment expense	$186,000	4,547
Additional noninterest expense	$1,402,000	2,309
Pre-tax net operating income	$305,000	4,805
Securities gains (losses)	$0	3,178
Applicable income taxes	$0	4,770
Income before extraordinary items	$305,000	4,788
Extraordinary gains, net	$0	19
Net income	$305,000	4,791
Minority interest net income	$0	84
Net income of bank and minority interests.	$305,000	4,791
Net charge-offs	$251,000	2,491
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$305,000	4,599
2012-03-31 (YTD Data)		Rank
Total interest income	$2,359,000	2,823
Total interest expense	$568,000	2,129
Net interest income	$1,791,000	3,001
Provision for loan and lease losses	$300,000	1,500
Total noninterest income	$204,000	3,615
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$78,000	3,429
Trading account gains and fees	$0	148
Additional Noninterest Income	$126,000	3,334
Total noninterest expense	$1,480,000	3,090
Salaries and employee benefits	$704,000	3,330
Premises and equipment expense	$93,000	4,555
Additional noninterest expense	$683,000	2,344
Pre-tax net operating income	$215,000	4,407
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$215,000	4,255
Extraordinary gains, net	$0	19
Net income	$215,000	4,259
Minority interest net income	$0	78
Net income of bank and minority interests.	$215,000	4,259
Net charge-offs	$128,000	2,238
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$215,000	4,106
2011-12-31 (YTD Data)		Rank
Total interest income	$10,872,000	2,564
Total interest expense	$3,295,000	1,792
Net interest income	$7,577,000	2,871
Provision for loan and lease losses	$8,800,000	467
Total noninterest income	$-1,661,000	7,284
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$293,000	3,630
Trading account gains and fees	$0	146
Additional Noninterest Income	$-1,954,000	7,266
Total noninterest expense	$5,952,000	3,078
Salaries and employee benefits	$3,257,000	2,924
Premises and equipment expense	$398,000	4,580
Additional noninterest expense	$2,297,000	2,768
Pre-tax net operating income	$-8,836,000	7,188
Securities gains (losses)	$80,000	2,236
Applicable income taxes	$2,288,000	710
Income before extraordinary items	$-11,044,000	7,223
Extraordinary gains, net	$0	29
Net income	$-11,044,000	7,223
Minority interest net income	$0	96
Net income of bank and minority interests.	$-11,044,000	7,223
Net charge-offs	$5,094,000	782
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-11,124,000	7,221
2011-09-30 (YTD Data)		Rank
Total interest income	$8,243,000	2,561
Total interest expense	$2,626,000	1,761
Net interest income	$5,617,000	2,904
Provision for loan and lease losses	$2,400,000	1,090
Total noninterest income	$595,000	3,550
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$214,000	3,709
Trading account gains and fees	$0	145
Additional Noninterest Income	$381,000	3,115
Total noninterest expense	$5,671,000	2,496
Salaries and employee benefits	$2,470,000	2,888
Premises and equipment expense	$312,000	4,523
Additional noninterest expense	$2,889,000	1,754
Pre-tax net operating income	$-1,859,000	6,984
Securities gains (losses)	$73,000	2,043
Applicable income taxes	$0	4,740
Income before extraordinary items	$-1,786,000	7,029
Extraordinary gains, net	$0	21
Net income	$-1,786,000	7,030
Minority interest net income	$0	87
Net income of bank and minority interests.	$-1,786,000	7,030
Net charge-offs	$1,607,000	1,429
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-1,859,000	7,028
2011-06-30 (YTD Data)		Rank
Total interest income	$5,579,000	2,545
Total interest expense	$1,839,000	1,750
Net interest income	$3,740,000	2,915
Provision for loan and lease losses	$1,300,000	1,266
Total noninterest income	$416,000	3,480
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$142,000	3,693
Trading account gains and fees	$0	153
Additional Noninterest Income	$274,000	3,012
Total noninterest expense	$3,257,000	2,871
Salaries and employee benefits	$1,661,000	2,884
Premises and equipment expense	$209,000	4,561
Additional noninterest expense	$1,387,000	2,418
Pre-tax net operating income	$-401,000	6,730
Securities gains (losses)	$73,000	1,346
Applicable income taxes	$0	4,697
Income before extraordinary items	$-328,000	6,736
Extraordinary gains, net	$0	15
Net income	$-328,000	6,736
Minority interest net income	$0	89
Net income of bank and minority interests.	$-328,000	6,737
Net charge-offs	$1,060,000	1,420
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-401,000	6,774
2011-03-31 (YTD Data)		Rank
Total interest income	$2,794,000	2,559
Total interest expense	$945,000	1,762
Net interest income	$1,849,000	2,922
Provision for loan and lease losses	$300,000	1,892
Total noninterest income	$230,000	3,309
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$71,000	3,675
Trading account gains and fees	$0	158
Additional Noninterest Income	$159,000	2,799
Total noninterest expense	$1,634,000	2,874
Salaries and employee benefits	$846,000	2,857
Premises and equipment expense	$108,000	4,522
Additional noninterest expense	$680,000	2,439
Pre-tax net operating income	$145,000	4,694
Securities gains (losses)	$73,000	627
Applicable income taxes	$52,000	2,787
Income before extraordinary items	$166,000	4,296
Extraordinary gains, net	$0	9
Net income	$166,000	4,295
Minority interest net income	$0	86
Net income of bank and minority interests.	$166,000	4,296
Net charge-offs	$128,000	2,503
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$110,520	4,820
2010-12-31 (YTD Data)		Rank
Total interest income	$12,338,000	2,439
Total interest expense	$4,706,000	1,735
Net interest income	$7,632,000	2,850
Provision for loan and lease losses	$2,395,000	1,861
Total noninterest income	$959,000	3,296
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$340,000	3,406
Trading account gains and fees	$0	175
Additional Noninterest Income	$619,000	2,862
Total noninterest expense	$7,203,000	2,673
Salaries and employee benefits	$3,381,000	2,815
Premises and equipment expense	$442,000	4,501
Additional noninterest expense	$3,380,000	2,061
Pre-tax net operating income	$-1,007,000	6,489
Securities gains (losses)	$0	3,793
Applicable income taxes	$-529,000	7,180
Income before extraordinary items	$-478,000	6,356
Extraordinary gains, net	$0	29
Net income	$-478,000	6,357
Minority interest net income	$0	111
Net income of bank and minority interests.	$-478,000	6,357
Net charge-offs	$1,569,000	2,128
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-478,000	6,305
2010-09-30 (YTD Data)		Rank
Total interest income	$9,448,000	2,446
Total interest expense	$3,666,000	1,746
Net interest income	$5,782,000	2,851
Provision for loan and lease losses	$1,405,000	2,073
Total noninterest income	$692,000	3,407
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$260,000	3,430
Trading account gains and fees	$0	165
Additional Noninterest Income	$432,000	2,992
Total noninterest expense	$4,958,000	2,863
Salaries and employee benefits	$2,532,000	2,821
Premises and equipment expense	$336,000	4,542
Additional noninterest expense	$2,090,000	2,390
Pre-tax net operating income	$111,000	5,582
Securities gains (losses)	$0	3,651
Applicable income taxes	$-98,000	7,083
Income before extraordinary items	$209,000	5,256
Extraordinary gains, net	$0	23
Net income	$209,000	5,258
Minority interest net income	$0	110
Net income of bank and minority interests.	$209,000	5,259
Net charge-offs	$625,000	2,768
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$209,000	5,099
2010-06-30 (YTD Data)		Rank
Total interest income	$6,373,000	2,436
Total interest expense	$2,553,000	1,742
Net interest income	$3,820,000	2,879
Provision for loan and lease losses	$665,000	2,442
Total noninterest income	$438,000	3,469
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$186,000	3,295
Trading account gains and fees	$0	152
Additional Noninterest Income	$252,000	3,116
Total noninterest expense	$3,239,000	2,913
Salaries and employee benefits	$1,698,000	2,810
Premises and equipment expense	$231,000	4,483
Additional noninterest expense	$1,310,000	2,518
Pre-tax net operating income	$354,000	4,157
Securities gains (losses)	$0	3,184
Applicable income taxes	$39,000	3,440
Income before extraordinary items	$315,000	4,211
Extraordinary gains, net	$0	19
Net income	$315,000	4,210
Minority interest net income	$0	105
Net income of bank and minority interests.	$315,000	4,210
Net charge-offs	$411,000	2,674
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$315,000	4,078
2010-03-31 (YTD Data)		Rank
Total interest income	$3,284,000	2,425
Total interest expense	$1,342,000	1,755
Net interest income	$1,942,000	2,856
Provision for loan and lease losses	$365,000	2,177
Total noninterest income	$213,000	3,512
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$101,000	3,126
Trading account gains and fees	$0	175
Additional Noninterest Income	$112,000	3,298
Total noninterest expense	$1,605,000	2,966
Salaries and employee benefits	$841,000	2,883
Premises and equipment expense	$121,000	4,447
Additional noninterest expense	$643,000	2,550
Pre-tax net operating income	$185,000	4,220
Securities gains (losses)	$0	2,284
Applicable income taxes	$23,000	3,365
Income before extraordinary items	$162,000	4,237
Extraordinary gains, net	$0	16
Net income	$162,000	4,238
Minority interest net income	$0	91
Net income of bank and minority interests.	$162,000	4,236
Net charge-offs	$102,000	3,082
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$162,000	4,138
2009-12-31 (YTD Data)		Rank
Total interest income	$14,826,000	2,246
Total interest expense	$7,096,000	1,668
Net interest income	$7,730,000	2,809
Provision for loan and lease losses	$1,687,000	2,706
Total noninterest income	$1,314,000	2,799
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$424,000	3,222
Trading account gains and fees	$0	211
Additional Noninterest Income	$890,000	2,304
Total noninterest expense	$6,752,000	2,877
Salaries and employee benefits	$3,741,000	2,603
Premises and equipment expense	$503,000	4,360
Additional noninterest expense	$2,508,000	2,729
Pre-tax net operating income	$605,000	3,759
Securities gains (losses)	$194,000	1,580
Applicable income taxes	$116,000	2,783
Income before extraordinary items	$683,000	3,399
Extraordinary gains, net	$0	34
Net income	$683,000	3,398
Minority interest net income	$0	115
Net income of bank and minority interests.	$683,000	3,398
Net charge-offs	$1,832,000	2,139
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$518,100	3,765
2009-09-30 (YTD Data)		Rank
Total interest income	$11,255,000	2,256
Total interest expense	$5,524,000	1,679
Net interest income	$5,731,000	2,845
Provision for loan and lease losses	$620,000	3,481
Total noninterest income	$1,019,000	2,779
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$318,000	3,230
Trading account gains and fees	$0	212
Additional Noninterest Income	$701,000	2,290
Total noninterest expense	$4,986,000	2,924
Salaries and employee benefits	$2,837,000	2,591
Premises and equipment expense	$385,000	4,351
Additional noninterest expense	$1,764,000	2,857
Pre-tax net operating income	$1,144,000	2,501
Securities gains (losses)	$0	3,497
Applicable income taxes	$287,000	1,966
Income before extraordinary items	$857,000	2,744
Extraordinary gains, net	$0	27
Net income	$857,000	2,741
Minority interest net income	$0	118
Net income of bank and minority interests.	$857,000	2,744
Net charge-offs	$454,000	3,172
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$857,000	2,695
2009-06-30 (YTD Data)		Rank
Total interest income	$7,585,000	2,269
Total interest expense	$3,797,000	1,703
Net interest income	$3,788,000	2,860
Provision for loan and lease losses	$348,000	3,501
Total noninterest income	$695,000	2,760
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$206,000	3,264
Trading account gains and fees	$0	193
Additional Noninterest Income	$489,000	2,259
Total noninterest expense	$3,374,000	2,907
Salaries and employee benefits	$1,931,000	2,579
Premises and equipment expense	$260,000	4,352
Additional noninterest expense	$1,183,000	2,869
Pre-tax net operating income	$761,000	2,598
Securities gains (losses)	$0	3,136
Applicable income taxes	$190,000	2,016
Income before extraordinary items	$571,000	2,853
Extraordinary gains, net	$0	21
Net income	$571,000	2,850
Minority interest net income	$0	112
Net income of bank and minority interests.	$571,000	2,853
Net charge-offs	$441,000	2,485
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$571,000	2,744
2009-03-31 (YTD Data)		Rank
Total interest income	$3,841,000	2,278
Total interest expense	$1,957,000	1,730
Net interest income	$1,884,000	2,858
Provision for loan and lease losses	$129,000	3,512
Total noninterest income	$314,000	2,936
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$96,000	3,335
Trading account gains and fees	$0	171
Additional Noninterest Income	$218,000	2,392
Total noninterest expense	$1,653,000	2,888
Salaries and employee benefits	$975,000	2,598
Premises and equipment expense	$133,000	4,317
Additional noninterest expense	$545,000	2,801
Pre-tax net operating income	$416,000	2,723
Securities gains (losses)	$0	2,434
Applicable income taxes	$108,000	2,110
Income before extraordinary items	$308,000	3,086
Extraordinary gains, net	$0	15
Net income	$308,000	3,087
Minority interest net income	$0	102
Net income of bank and minority interests.	$308,000	3,087
Net charge-offs	$18,000	4,403
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$308,000	2,933
2008-12-31 (YTD Data)		Rank
Total interest income	$17,411,000	2,180
Total interest expense	$8,669,000	1,839
Net interest income	$8,742,000	2,488
Provision for loan and lease losses	$772,000	3,103
Total noninterest income	$1,270,000	2,947
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$496,000	3,029
Trading account gains and fees	$0	154
Additional Noninterest Income	$774,000	2,488
Total noninterest expense	$6,248,000	2,957
Salaries and employee benefits	$3,996,000	2,509
Premises and equipment expense	$544,000	4,240
Additional noninterest expense	$1,708,000	3,286
Pre-tax net operating income	$2,992,000	1,802
Securities gains (losses)	$-6,555,000	8,122
Applicable income taxes	$-1,643,000	7,869
Income before extraordinary items	$-1,920,000	7,360
Extraordinary gains, net	$0	39
Net income	$-1,920,000	7,358
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$638,000	2,477
Cash dividends	$1,634,000	1,601
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,275,200	1,876
2008-09-30 (YTD Data)		Rank
Total interest income	$13,445,000	2,172
Total interest expense	$6,556,000	1,885
Net interest income	$6,889,000	2,395
Provision for loan and lease losses	$234,000	3,949
Total noninterest income	$1,027,000	2,858
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$388,000	2,960
Trading account gains and fees	$0	148
Additional Noninterest Income	$639,000	2,447
Total noninterest expense	$4,839,000	2,849
Salaries and employee benefits	$3,141,000	2,431
Premises and equipment expense	$411,000	4,225
Additional noninterest expense	$1,287,000	3,186
Pre-tax net operating income	$2,843,000	1,707
Securities gains (losses)	$-6,038,000	8,238
Applicable income taxes	$833,000	1,330
Income before extraordinary items	$-4,028,000	8,089
Extraordinary gains, net	$0	31
Net income	$-4,028,000	8,087
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	4,182
Cash dividends	$134,000	4,207
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,010,000	1,865
2008-06-30 (YTD Data)		Rank
Total interest income	$9,129,000	2,159
Total interest expense	$4,436,000	1,942
Net interest income	$4,693,000	2,338
Provision for loan and lease losses	$156,000	3,542
Total noninterest income	$701,000	2,841
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$256,000	2,944
Trading account gains and fees	$0	149
Additional Noninterest Income	$445,000	2,423
Total noninterest expense	$3,267,000	2,823
Salaries and employee benefits	$2,138,000	2,415
Premises and equipment expense	$277,000	4,209
Additional noninterest expense	$852,000	3,165
Pre-tax net operating income	$1,971,000	1,709
Securities gains (losses)	$5,000	2,725
Applicable income taxes	$562,000	1,471
Income before extraordinary items	$1,414,000	1,899
Extraordinary gains, net	$0	21
Net income	$1,414,000	1,901
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	3,765
Cash dividends	$134,000	3,859
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,410,400	1,875
2008-03-31 (YTD Data)		Rank
Total interest income	$4,651,000	2,169
Total interest expense	$2,260,000	2,040
Net interest income	$2,391,000	2,298
Provision for loan and lease losses	$78,000	3,090
Total noninterest income	$364,000	2,775
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$124,000	2,985
Trading account gains and fees	$0	158
Additional Noninterest Income	$240,000	2,288
Total noninterest expense	$1,671,000	2,777
Salaries and employee benefits	$1,107,000	2,364
Premises and equipment expense	$139,000	4,224
Additional noninterest expense	$425,000	3,125
Pre-tax net operating income	$1,006,000	1,776
Securities gains (losses)	$0	2,688
Applicable income taxes	$323,000	1,403
Income before extraordinary items	$683,000	2,076
Extraordinary gains, net	$0	15
Net income	$683,000	2,079
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,488
Cash dividends	$81,000	3,092
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$683,000	2,009
2007-12-31 (YTD Data)		Rank
Total interest income	$19,509,000	2,124
Total interest expense	$9,295,000	2,059
Net interest income	$10,214,000	2,205
Provision for loan and lease losses	$553,000	2,183
Total noninterest income	$1,694,000	2,496
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$559,000	2,822
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,135,000	2,047
Total noninterest expense	$6,457,000	2,765
Salaries and employee benefits	$4,392,000	2,295
Premises and equipment expense	$558,000	4,048
Additional noninterest expense	$1,507,000	3,404
Pre-tax net operating income	$4,898,000	1,673
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,611,000	1,340
Income before extraordinary items	$3,287,000	1,892
Extraordinary gains, net	$0	39
Net income	$3,287,000	1,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	4,490
Cash dividends	$1,589,000	1,928
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$3,287,000	1,878
2007-09-30 (YTD Data)		Rank
Total interest income	$14,624,000	2,138
Total interest expense	$6,924,000	2,067
Net interest income	$7,700,000	2,212
Provision for loan and lease losses	$239,000	2,694
Total noninterest income	$1,280,000	2,482
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$433,000	2,740
Trading account gains and fees	$0	184
Additional Noninterest Income	$847,000	2,048
Total noninterest expense	$4,933,000	2,706
Salaries and employee benefits	$3,338,000	2,256
Premises and equipment expense	$423,000	4,001
Additional noninterest expense	$1,172,000	3,251
Pre-tax net operating income	$3,808,000	1,742
Securities gains (losses)	$0	1,655
Applicable income taxes	$1,258,000	1,397
Income before extraordinary items	$2,550,000	1,970
Extraordinary gains, net	$0	33
Net income	$2,550,000	1,968
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	3,780
Cash dividends	$257,000	3,823
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,550,000	1,958
2007-06-30 (YTD Data)		Rank
Total interest income	$9,612,000	2,177
Total interest expense	$4,538,000	2,097
Net interest income	$5,074,000	2,264
Provision for loan and lease losses	$159,000	2,515
Total noninterest income	$834,000	2,528
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$290,000	2,724
Trading account gains and fees	$0	168
Additional Noninterest Income	$544,000	2,123
Total noninterest expense	$3,316,000	2,722
Salaries and employee benefits	$2,268,000	2,260
Premises and equipment expense	$284,000	3,995
Additional noninterest expense	$764,000	3,320
Pre-tax net operating income	$2,433,000	1,850
Securities gains (losses)	$0	1,444
Applicable income taxes	$798,000	1,494
Income before extraordinary items	$1,635,000	2,082
Extraordinary gains, net	$0	29
Net income	$1,635,000	2,081
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	3,070
Cash dividends	$171,000	3,822
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,635,000	2,065
2007-03-31 (YTD Data)		Rank
Total interest income	$4,719,000	2,208
Total interest expense	$2,234,000	2,119
Net interest income	$2,485,000	2,308
Provision for loan and lease losses	$78,000	2,375
Total noninterest income	$421,000	2,466
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$148,000	2,628
Trading account gains and fees	$0	195
Additional Noninterest Income	$273,000	2,093
Total noninterest expense	$1,645,000	2,750
Salaries and employee benefits	$1,135,000	2,268
Premises and equipment expense	$143,000	3,992
Additional noninterest expense	$367,000	3,397
Pre-tax net operating income	$1,183,000	1,888
Securities gains (losses)	$0	1,187
Applicable income taxes	$386,000	1,564
Income before extraordinary items	$797,000	2,070
Extraordinary gains, net	$0	22
Net income	$797,000	2,070
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	3,116
Cash dividends	$85,000	3,272
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$797,000	2,061
2006-12-31 (YTD Data)		Rank
Total interest income	$16,953,000	2,310
Total interest expense	$7,319,000	2,202
Net interest income	$9,634,000	2,371
Provision for loan and lease losses	$312,000	2,695
Total noninterest income	$1,671,000	2,508
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$450,000	3,284
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,221,000	1,938
Total noninterest expense	$6,273,000	2,773
Salaries and employee benefits	$4,334,000	2,253
Premises and equipment expense	$588,000	3,828
Additional noninterest expense	$1,351,000	3,586
Pre-tax net operating income	$4,720,000	1,987
Securities gains (losses)	$0	1,687
Applicable income taxes	$1,541,000	1,621
Income before extraordinary items	$3,179,000	2,174
Extraordinary gains, net	$0	51
Net income	$3,179,000	2,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	4,393
Cash dividends	$789,000	3,006
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$3,179,000	2,165
2006-09-30 (YTD Data)		Rank
Total interest income	$12,222,000	2,373
Total interest expense	$5,124,000	2,270
Net interest income	$7,098,000	2,430
Provision for loan and lease losses	$234,000	2,549
Total noninterest income	$1,229,000	2,561
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$340,000	3,286
Trading account gains and fees	$0	126
Additional Noninterest Income	$889,000	1,995
Total noninterest expense	$4,613,000	2,808
Salaries and employee benefits	$3,173,000	2,315
Premises and equipment expense	$443,000	3,827
Additional noninterest expense	$997,000	3,623
Pre-tax net operating income	$3,480,000	2,075
Securities gains (losses)	$0	1,388
Applicable income taxes	$1,131,000	1,728
Income before extraordinary items	$2,349,000	2,262
Extraordinary gains, net	$0	45
Net income	$2,349,000	2,265
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	3,378
Cash dividends	$203,000	4,127
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,349,000	2,251
2006-06-30 (YTD Data)		Rank
Total interest income	$7,726,000	2,443
Total interest expense	$3,149,000	2,326
Net interest income	$4,577,000	2,498
Provision for loan and lease losses	$156,000	2,517
Total noninterest income	$781,000	2,634
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$234,000	3,197
Trading account gains and fees	$0	126
Additional Noninterest Income	$547,000	2,098
Total noninterest expense	$3,008,000	2,874
Salaries and employee benefits	$2,070,000	2,373
Premises and equipment expense	$294,000	3,830
Additional noninterest expense	$644,000	3,703
Pre-tax net operating income	$2,194,000	2,160
Securities gains (losses)	$0	1,185
Applicable income taxes	$709,000	1,836
Income before extraordinary items	$1,485,000	2,361
Extraordinary gains, net	$0	39
Net income	$1,485,000	2,364
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	3,393
Cash dividends	$117,000	4,227
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,485,000	2,343
2006-03-31 (YTD Data)		Rank
Total interest income	$3,658,000	2,519
Total interest expense	$1,466,000	2,371
Net interest income	$2,192,000	2,583
Provision for loan and lease losses	$78,000	2,364
Total noninterest income	$353,000	2,765
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$110,000	3,276
Trading account gains and fees	$0	115
Additional Noninterest Income	$243,000	2,229
Total noninterest expense	$1,445,000	2,975
Salaries and employee benefits	$997,000	2,448
Premises and equipment expense	$146,000	3,863
Additional noninterest expense	$302,000	3,867
Pre-tax net operating income	$1,022,000	2,241
Securities gains (losses)	$0	955
Applicable income taxes	$324,000	1,921
Income before extraordinary items	$698,000	2,446
Extraordinary gains, net	$0	21
Net income	$698,000	2,448
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	2,550
Cash dividends	$36,000	3,694
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$698,000	2,425
2005-12-31 (YTD Data)		Rank
Total interest income	$12,643,000	2,591
Total interest expense	$4,653,000	2,356
Net interest income	$7,990,000	2,703
Provision for loan and lease losses	$324,000	2,678
Total noninterest income	$1,421,000	2,789
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$472,000	3,170
Trading account gains and fees	$0	138
Additional Noninterest Income	$949,000	2,286
Total noninterest expense	$5,594,000	2,928
Salaries and employee benefits	$3,675,000	2,490
Premises and equipment expense	$579,000	3,758
Additional noninterest expense	$1,340,000	3,532
Pre-tax net operating income	$3,493,000	2,456
Securities gains (losses)	$0	2,296
Applicable income taxes	$1,115,000	2,114
Income before extraordinary items	$2,378,000	2,698
Extraordinary gains, net	$0	46
Net income	$2,378,000	2,698
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	4,259
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,378,000	2,665
2005-09-30 (YTD Data)		Rank
Total interest income	$9,148,000	2,620
Total interest expense	$3,293,000	2,369
Net interest income	$5,855,000	2,752
Provision for loan and lease losses	$258,000	2,485
Total noninterest income	$1,015,000	2,879
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$356,000	3,167
Trading account gains and fees	$0	126
Additional Noninterest Income	$659,000	2,405
Total noninterest expense	$4,067,000	2,980
Salaries and employee benefits	$2,662,000	2,526
Premises and equipment expense	$415,000	3,864
Additional noninterest expense	$990,000	3,526
Pre-tax net operating income	$2,545,000	2,541
Securities gains (losses)	$0	2,317
Applicable income taxes	$809,000	2,186
Income before extraordinary items	$1,736,000	2,768
Extraordinary gains, net	$0	35
Net income	$1,736,000	2,769
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	4,195
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,736,000	2,740
2005-06-30 (YTD Data)		Rank
Total interest income	$5,834,000	2,664
Total interest expense	$2,070,000	2,367
Net interest income	$3,764,000	2,796
Provision for loan and lease losses	$192,000	2,222
Total noninterest income	$646,000	2,938
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$232,000	3,190
Trading account gains and fees	$0	116
Additional Noninterest Income	$414,000	2,483
Total noninterest expense	$2,648,000	3,034
Salaries and employee benefits	$1,728,000	2,575
Premises and equipment expense	$280,000	3,815
Additional noninterest expense	$640,000	3,616
Pre-tax net operating income	$1,570,000	2,663
Securities gains (losses)	$0	2,146
Applicable income taxes	$502,000	2,273
Income before extraordinary items	$1,068,000	2,940
Extraordinary gains, net	$0	30
Net income	$1,068,000	2,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	3,453
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,068,000	2,902
2005-03-31 (YTD Data)		Rank
Total interest income	$2,804,000	2,727
Total interest expense	$962,000	2,416
Net interest income	$1,842,000	2,860
Provision for loan and lease losses	$81,000	2,384
Total noninterest income	$264,000	3,345
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$105,000	3,325
Trading account gains and fees	$0	115
Additional Noninterest Income	$159,000	2,872
Total noninterest expense	$1,292,000	3,108
Salaries and employee benefits	$825,000	2,705
Premises and equipment expense	$141,000	3,820
Additional noninterest expense	$326,000	3,557
Pre-tax net operating income	$733,000	2,754
Securities gains (losses)	$0	1,685
Applicable income taxes	$238,000	2,337
Income before extraordinary items	$495,000	3,072
Extraordinary gains, net	$0	24
Net income	$495,000	3,073
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	2,584
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$495,000	3,030
2004-12-31 (YTD Data)		Rank
Total interest income	$9,928,000	2,853
Total interest expense	$3,187,000	2,487
Net interest income	$6,741,000	2,991
Provision for loan and lease losses	$310,000	2,840
Total noninterest income	$1,029,000	3,470
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$405,000	3,617
Trading account gains and fees	$0	138
Additional Noninterest Income	$624,000	2,913
Total noninterest expense	$4,944,000	3,151
Salaries and employee benefits	$3,139,000	2,725
Premises and equipment expense	$552,000	3,789
Additional noninterest expense	$1,253,000	3,621
Pre-tax net operating income	$2,516,000	2,993
Securities gains (losses)	$0	3,819
Applicable income taxes	$743,000	2,646
Income before extraordinary items	$1,773,000	3,220
Extraordinary gains, net	$0	34
Net income	$1,773,000	3,219
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$254,000	2,226
Cash dividends	$978,000	2,393
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,773,000	3,161
2004-09-30 (YTD Data)		Rank
Total interest income	$7,278,000	2,877
Total interest expense	$2,322,000	2,518
Net interest income	$4,956,000	3,025
Provision for loan and lease losses	$135,000	3,719
Total noninterest income	$750,000	3,567
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$295,000	3,706
Trading account gains and fees	$0	134
Additional Noninterest Income	$455,000	2,966
Total noninterest expense	$3,741,000	3,087
Salaries and employee benefits	$2,386,000	2,675
Premises and equipment expense	$414,000	3,778
Additional noninterest expense	$941,000	3,589
Pre-tax net operating income	$1,830,000	3,105
Securities gains (losses)	$0	3,710
Applicable income taxes	$545,000	2,760
Income before extraordinary items	$1,285,000	3,373
Extraordinary gains, net	$0	26
Net income	$1,285,000	3,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$184,000	2,010
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,285,000	3,288
2004-06-30 (YTD Data)		Rank
Total interest income	$4,761,000	2,918
Total interest expense	$1,508,000	2,558
Net interest income	$3,253,000	3,061
Provision for loan and lease losses	$90,000	3,641
Total noninterest income	$504,000	3,558
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$195,000	3,713
Trading account gains and fees	$0	130
Additional Noninterest Income	$309,000	2,937
Total noninterest expense	$2,507,000	3,080
Salaries and employee benefits	$1,597,000	2,675
Premises and equipment expense	$281,000	3,738
Additional noninterest expense	$629,000	3,607
Pre-tax net operating income	$1,160,000	3,192
Securities gains (losses)	$0	3,413
Applicable income taxes	$344,000	2,835
Income before extraordinary items	$816,000	3,476
Extraordinary gains, net	$0	21
Net income	$816,000	3,476
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	4,214
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$816,000	3,394
2004-03-31 (YTD Data)		Rank
Total interest income	$2,337,000	2,978
Total interest expense	$736,000	2,644
Net interest income	$1,601,000	3,090
Provision for loan and lease losses	$45,000	3,437
Total noninterest income	$227,000	3,744
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$91,000	3,798
Trading account gains and fees	$0	121
Additional Noninterest Income	$136,000	3,110
Total noninterest expense	$1,253,000	3,089
Salaries and employee benefits	$796,000	2,694
Premises and equipment expense	$145,000	3,675
Additional noninterest expense	$312,000	3,628
Pre-tax net operating income	$530,000	3,379
Securities gains (losses)	$0	2,934
Applicable income taxes	$165,000	2,911
Income before extraordinary items	$365,000	3,752
Extraordinary gains, net	$0	16
Net income	$365,000	3,751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	2,675
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$365,000	3,631
2003-12-31 (YTD Data)		Rank
Total interest income	$9,868,000	2,857
Total interest expense	$3,104,000	2,777
Net interest income	$6,764,000	2,837
Provision for loan and lease losses	$280,000	3,324
Total noninterest income	$1,146,000	3,405
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$418,000	3,554
Trading account gains and fees	$0	160
Additional Noninterest Income	$728,000	2,891
Total noninterest expense	$4,754,000	3,178
Salaries and employee benefits	$2,966,000	2,795
Premises and equipment expense	$576,000	3,645
Additional noninterest expense	$1,212,000	3,702
Pre-tax net operating income	$2,876,000	2,596
Securities gains (losses)	$0	4,500
Applicable income taxes	$919,000	2,295
Income before extraordinary items	$1,957,000	2,912
Extraordinary gains, net	$0	54
Net income	$1,957,000	2,912
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$186,000	3,001
Cash dividends	$804,000	2,667
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,957,000	2,784
2003-09-30 (YTD Data)		Rank
Total interest income	$7,438,000	2,884
Total interest expense	$2,380,000	2,817
Net interest income	$5,058,000	2,864
Provision for loan and lease losses	$135,000	4,077
Total noninterest income	$888,000	3,410
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$309,000	3,598
Trading account gains and fees	$0	153
Additional Noninterest Income	$579,000	2,877
Total noninterest expense	$3,476,000	3,254
Salaries and employee benefits	$2,178,000	2,854
Premises and equipment expense	$434,000	3,620
Additional noninterest expense	$864,000	3,834
Pre-tax net operating income	$2,335,000	2,526
Securities gains (losses)	$0	4,204
Applicable income taxes	$753,000	2,286
Income before extraordinary items	$1,582,000	2,850
Extraordinary gains, net	$0	40
Net income	$1,582,000	2,850
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,000	3,279
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,582,000	2,709
2003-06-30 (YTD Data)		Rank
Total interest income	$4,867,000	2,971
Total interest expense	$1,637,000	2,813
Net interest income	$3,230,000	2,968
Provision for loan and lease losses	$90,000	4,018
Total noninterest income	$540,000	3,584
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$216,000	3,438
Trading account gains and fees	$0	150
Additional Noninterest Income	$324,000	3,145
Total noninterest expense	$2,296,000	3,284
Salaries and employee benefits	$1,430,000	2,909
Premises and equipment expense	$294,000	3,559
Additional noninterest expense	$572,000	3,843
Pre-tax net operating income	$1,384,000	2,771
Securities gains (losses)	$0	3,782
Applicable income taxes	$436,000	2,520
Income before extraordinary items	$948,000	3,085
Extraordinary gains, net	$0	30
Net income	$948,000	3,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	3,501
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$948,000	2,924
2003-03-31 (YTD Data)		Rank
Total interest income	$2,363,000	3,058
Total interest expense	$834,000	2,832
Net interest income	$1,529,000	3,125
Provision for loan and lease losses	$45,000	3,818
Total noninterest income	$203,000	4,124
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$109,000	3,332
Trading account gains and fees	$0	134
Additional Noninterest Income	$94,000	4,045
Total noninterest expense	$1,132,000	3,305
Salaries and employee benefits	$685,000	3,013
Premises and equipment expense	$153,000	3,437
Additional noninterest expense	$294,000	3,706
Pre-tax net operating income	$555,000	3,264
Securities gains (losses)	$0	2,891
Applicable income taxes	$169,000	3,000
Income before extraordinary items	$386,000	3,557
Extraordinary gains, net	$0	21
Net income	$386,000	3,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	2,925
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$386,000	3,372
2002-12-31 (YTD Data)		Rank
Total interest income	$10,141,000	2,981
Total interest expense	$3,949,000	2,779
Net interest income	$6,192,000	3,061
Provision for loan and lease losses	$260,000	3,766
Total noninterest income	$707,000	4,311
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$400,000	3,542
Trading account gains and fees	$0	153
Additional Noninterest Income	$307,000	4,208
Total noninterest expense	$4,266,000	3,379
Salaries and employee benefits	$2,508,000	3,114
Premises and equipment expense	$630,000	3,264
Additional noninterest expense	$1,128,000	3,788
Pre-tax net operating income	$2,373,000	3,002
Securities gains (losses)	$0	4,537
Applicable income taxes	$766,000	2,674
Income before extraordinary items	$1,607,000	3,324
Extraordinary gains, net	$0	70
Net income	$1,607,000	3,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$418,000	1,876
Cash dividends	$699,000	2,915
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,607,000	3,226
2001-12-31 (YTD Data)		Rank
Total interest income	$12,175,000	2,781
Total interest expense	$6,696,000	2,393
Net interest income	$5,479,000	3,188
Provision for loan and lease losses	$350,000	2,901
Total noninterest income	$917,000	3,538
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$409,000	3,324
Trading account gains and fees	$0	177
Additional Noninterest Income	$508,000	3,108
Total noninterest expense	$3,983,000	3,444
Salaries and employee benefits	$2,275,000	3,222
Premises and equipment expense	$539,000	3,665
Additional noninterest expense	$1,169,000	3,591
Pre-tax net operating income	$2,063,000	3,109
Securities gains (losses)	$6,000	3,836
Applicable income taxes	$670,000	2,760
Income before extraordinary items	$1,399,000	3,402
Extraordinary gains, net	$0	105
Net income	$1,399,000	3,407
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$584,000	1,396
Cash dividends	$414,000	3,793
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,394,920	3,312
2000-12-31 (YTD Data)		Rank
Total interest income	$12,073,000	2,888
Total interest expense	$6,728,000	2,496
Net interest income	$5,345,000	3,277
Provision for loan and lease losses	$1,159,000	946
Total noninterest income	$632,000	4,274
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$347,000	3,621
Trading account gains and fees	$0	180
Additional Noninterest Income	$285,000	4,034
Total noninterest expense	$3,677,000	3,561
Salaries and employee benefits	$2,065,000	3,376
Premises and equipment expense	$542,000	3,559
Additional noninterest expense	$1,070,000	3,784
Pre-tax net operating income	$1,141,000	4,870
Securities gains (losses)	$0	1,956
Applicable income taxes	$313,000	4,507
Income before extraordinary items	$828,000	4,954
Extraordinary gains, net	$0	38
Net income	$828,000	4,953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$489,000	1,267
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$828,000	4,945
1999-12-31 (YTD Data)		Rank
Total interest income	$9,623,000	3,334
Total interest expense	$4,881,000	2,992
Net interest income	$4,742,000	3,620
Provision for loan and lease losses	$280,000	2,822
Total noninterest income	$731,000	3,862
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$289,000	4,087
Trading account gains and fees	NA	NA
Additional Noninterest Income	$442,000	3,199
Total noninterest expense	$3,152,000	4,049
Salaries and employee benefits	$1,801,000	3,745
Premises and equipment expense	$447,000	4,152
Additional noninterest expense	$904,000	4,367
Pre-tax net operating income	$2,041,000	3,298
Securities gains (losses)	$0	3,155
Applicable income taxes	$687,000	2,940
Income before extraordinary items	$1,354,000	3,515
Extraordinary gains, net	$0	35
Net income	$1,354,000	3,515
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,395
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,354,000	3,481
1998-12-31 (YTD Data)		Rank
Total interest income	$8,068,000	3,910
Total interest expense	$4,031,000	3,660
Net interest income	$4,037,000	4,090
Provision for loan and lease losses	$150,000	4,136
Total noninterest income	$502,000	4,918
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$227,000	4,781
Trading account gains and fees	NA	NA
Additional Noninterest Income	$275,000	4,203
Total noninterest expense	$2,563,000	4,687
Salaries and employee benefits	$1,472,000	4,302
Premises and equipment expense	$355,000	4,829
Additional noninterest expense	$736,000	4,966
Pre-tax net operating income	$1,826,000	3,589
Securities gains (losses)	$0	4,449
Applicable income taxes	$606,000	3,381
Income before extraordinary items	$1,220,000	3,880
Extraordinary gains, net	$0	32
Net income	$1,220,000	3,878
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,392
Cash dividends	$533,000	3,374
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,220,000	3,786
1997-12-31 (YTD Data)		Rank
Total interest income	$6,781,000	4,614
Total interest expense	$3,171,000	4,485
Net interest income	$3,610,000	4,625
Provision for loan and lease losses	$110,000	4,963
Total noninterest income	$413,000	5,621
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$231,000	4,903
Trading account gains and fees	NA	NA
Additional Noninterest Income	$182,000	5,189
Total noninterest expense	$2,291,000	5,117
Salaries and employee benefits	$1,233,000	4,973
Premises and equipment expense	$342,000	4,983
Additional noninterest expense	$716,000	5,127
Pre-tax net operating income	$1,622,000	4,189
Securities gains (losses)	$0	3,944
Applicable income taxes	$556,000	3,901
Income before extraordinary items	$1,066,000	4,463
Extraordinary gains, net	$0	44
Net income	$1,066,000	4,464
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,735
Cash dividends	$458,000	3,666
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,066,000	4,404
1996-12-31 (YTD Data)		Rank
Total interest income	$6,003,000	5,183
Total interest expense	$2,831,000	5,025
Net interest income	$3,172,000	5,221
Provision for loan and lease losses	$85,000	5,471
Total noninterest income	$418,000	5,803
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$228,000	5,126
Trading account gains and fees	NA	NA
Additional Noninterest Income	$190,000	5,320
Total noninterest expense	$2,106,000	5,728
Salaries and employee benefits	$1,088,000	5,627
Premises and equipment expense	$302,000	5,569
Additional noninterest expense	$716,000	5,649
Pre-tax net operating income	$1,399,000	4,580
Securities gains (losses)	$0	4,148
Applicable income taxes	$482,000	4,263
Income before extraordinary items	$917,000	4,805
Extraordinary gains, net	$0	53
Net income	$917,000	4,806
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	6,017
Cash dividends	$475,000	3,536
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$917,000	4,750
1995-12-31 (YTD Data)		Rank
Total interest income	$5,501,000	5,589
Total interest expense	$2,552,000	5,470
Net interest income	$2,949,000	5,574
Provision for loan and lease losses	$50,000	6,165
Total noninterest income	$452,000	5,532
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$228,000	5,216
Trading account gains and fees	NA	NA
Additional Noninterest Income	$224,000	4,795
Total noninterest expense	$1,904,000	6,220
Salaries and employee benefits	$1,072,000	5,718
Premises and equipment expense	$281,000	5,914
Additional noninterest expense	$551,000	6,862
Pre-tax net operating income	$1,447,000	4,591
Securities gains (losses)	$0	3,831
Applicable income taxes	$496,000	4,219
Income before extraordinary items	$951,000	4,786
Extraordinary gains, net	$0	65
Net income	$951,000	4,785
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,181
Cash dividends	$420,000	3,731
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$951,000	4,781
1994-12-31 (YTD Data)		Rank
Total interest income	$4,227,000	6,447
Total interest expense	$1,652,000	6,466
Net interest income	$2,575,000	6,315
Provision for loan and lease losses	$25,000	7,401
Total noninterest income	$377,000	6,369
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$229,000	5,365
Trading account gains and fees	NA	NA
Additional Noninterest Income	$148,000	6,243
Total noninterest expense	$1,694,000	7,012
Salaries and employee benefits	$888,000	6,717
Premises and equipment expense	$248,000	6,554
Additional noninterest expense	$558,000	7,362
Pre-tax net operating income	$1,233,000	5,139
Securities gains (losses)	$0	3,600
Applicable income taxes	$393,000	4,825
Income before extraordinary items	$840,000	5,168
Extraordinary gains, net	$0	249
Net income	$840,000	5,176
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,066
Cash dividends	$329,000	4,230
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$840,000	5,228
1993-12-31 (YTD Data)		Rank
Total interest income	$3,747,000	7,202
Total interest expense	$1,512,000	7,169
Net interest income	$2,235,000	7,079
Provision for loan and lease losses	$60,000	6,949
Total noninterest income	$326,000	7,319
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$208,000	5,829
Trading account gains and fees	NA	NA
Additional Noninterest Income	$118,000	7,354
Total noninterest expense	$1,598,000	7,508
Salaries and employee benefits	$809,000	7,265
Premises and equipment expense	$245,000	6,787
Additional noninterest expense	$544,000	7,823
Pre-tax net operating income	$903,000	6,337
Securities gains (losses)	$3,000	6,505
Applicable income taxes	$248,000	6,836
Income before extraordinary items	$658,000	6,372
Extraordinary gains, net	$0	3,149
Net income	$658,000	6,537
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	9,413
Cash dividends	$1,100,000	1,606
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$655,810	6,151
1992-12-31 (YTD Data)		Rank
Total interest income	$4,080,000	7,409
Total interest expense	$1,919,000	7,306
Net interest income	$2,161,000	7,344
Provision for loan and lease losses	$120,000	6,707
Total noninterest income	$287,000	7,903
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$184,000	6,304
Trading account gains and fees	NA	NA
Additional Noninterest Income	$103,000	7,958
Total noninterest expense	$1,528,000	7,810
Salaries and employee benefits	$750,000	7,603
Premises and equipment expense	$197,000	7,902
Additional noninterest expense	$581,000	7,681
Pre-tax net operating income	$800,000	6,563
Securities gains (losses)	$6,000	6,913
Applicable income taxes	$202,000	7,524
Income before extraordinary items	$604,000	6,547
Extraordinary gains, net	$0	1,422
Net income	$604,000	6,628
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	9,274
Cash dividends	$285,000	4,167
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$599,500	6,214

* 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.