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Reliance Savings Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$26,372,000	1,549
Total interest expense	$9,348,000	1,358
Net interest income	$17,024,000	1,640
Provision for loan and lease losses	$1,056,000	809
Total noninterest income	$3,140,000	1,586
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$577,000	1,499
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,563,000	1,397
Total noninterest expense	$15,266,000	1,505
Salaries and employee benefits	$7,664,000	1,658
Premises and equipment expense	$1,624,000	1,442
Additional noninterest expense	$2,563,000	1,397
Pre-tax net operating income	$3,842,000	2,218
Securities gains (losses)	$-17,000	3,456
Applicable income taxes	$789,000	1,590
Income before extraordinary items	$3,036,000	2,322
Extraordinary gains, net	$0	54
Net income	$3,036,000	2,346
Minority interest net income	$0	88
Net income of bank and minority interests.	$3,036,000	2,325
Net charge-offs	$182,000	1,214
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$3,049,430	2,333
2023-09-30 (YTD Data)		Rank
Total interest income	$19,214,000	1,551
Total interest expense	$6,275,000	1,366
Net interest income	$12,939,000	1,639
Provision for loan and lease losses	$642,000	863
Total noninterest income	$2,249,000	1,627
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$432,000	1,501
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,817,000	1,437
Total noninterest expense	$11,588,000	1,477
Salaries and employee benefits	$5,990,000	1,606
Premises and equipment expense	$1,149,000	1,510
Additional noninterest expense	$1,817,000	1,437
Pre-tax net operating income	$2,958,000	2,246
Securities gains (losses)	$-16,000	3,589
Applicable income taxes	$800,000	1,435
Income before extraordinary items	$2,142,000	2,436
Extraordinary gains, net	$0	52
Net income	$2,142,000	2,460
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,142,000	2,438
Net charge-offs	$69,000	1,347
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$2,154,640	2,455
2023-06-30 (YTD Data)		Rank
Total interest income	$12,623,000	1,540
Total interest expense	$3,861,000	1,336
Net interest income	$8,762,000	1,631
Provision for loan and lease losses	$403,000	879
Total noninterest income	$1,447,000	1,592
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$285,000	1,501
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,162,000	1,400
Total noninterest expense	$7,784,000	1,456
Salaries and employee benefits	$4,089,000	1,580
Premises and equipment expense	$734,000	1,562
Additional noninterest expense	$1,162,000	1,399
Pre-tax net operating income	$2,022,000	2,240
Securities gains (losses)	$-5,000	3,709
Applicable income taxes	$571,000	1,397
Income before extraordinary items	$1,446,000	2,437
Extraordinary gains, net	$0	51
Net income	$1,446,000	2,466
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,446,000	2,437
Net charge-offs	$8,000	1,884
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$1,449,950	2,454
2023-03-31 (YTD Data)		Rank
Total interest income	$6,135,000	1,547
Total interest expense	$1,785,000	1,287
Net interest income	$4,350,000	1,649
Provision for loan and lease losses	$2,000	2,559
Total noninterest income	$708,000	1,605
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$142,000	1,522
Trading account gains and fees	NA	NA
Additional Noninterest Income	$566,000	1,417
Total noninterest expense	$3,911,000	1,469
Salaries and employee benefits	$2,084,000	1,577
Premises and equipment expense	$364,000	1,595
Additional noninterest expense	$566,000	1,417
Pre-tax net operating income	$1,145,000	2,136
Securities gains (losses)	$0	950
Applicable income taxes	$316,000	1,343
Income before extraordinary items	$829,000	2,331
Extraordinary gains, net	$0	4
Net income	$829,000	2,331
Minority interest net income	$0	48
Net income of bank and minority interests.	$829,000	2,331
Net charge-offs	$-42,000	4,410
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$829,000	2,354
2022-12-31 (YTD Data)		Rank
Total interest income	$20,478,000	1,539
Total interest expense	$2,951,000	1,199
Net interest income	$17,527,000	1,597
Provision for loan and lease losses	$-475,000	4,520
Total noninterest income	$3,383,000	1,520
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$587,000	1,516
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,796,000	1,317
Total noninterest expense	$15,020,000	1,478
Salaries and employee benefits	$8,047,000	1,559
Premises and equipment expense	$1,337,000	1,669
Additional noninterest expense	$2,796,000	1,317
Pre-tax net operating income	$6,365,000	1,757
Securities gains (losses)	$-1,000	3,144
Applicable income taxes	$1,250,000	1,395
Income before extraordinary items	$5,114,000	1,790
Extraordinary gains, net	$0	5
Net income	$5,114,000	1,788
Minority interest net income	$0	63
Net income of bank and minority interests.	$5,114,000	1,789
Net charge-offs	$166,000	1,013
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$5,114,800	1,825
2022-09-30 (YTD Data)		Rank
Total interest income	$14,438,000	1,576
Total interest expense	$1,846,000	1,089
Net interest income	$12,592,000	1,632
Provision for loan and lease losses	$-475,000	4,581
Total noninterest income	$2,614,000	1,513
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$440,000	1,532
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,174,000	1,317
Total noninterest expense	$11,436,000	1,458
Salaries and employee benefits	$6,228,000	1,528
Premises and equipment expense	$954,000	1,748
Additional noninterest expense	$2,174,000	1,317
Pre-tax net operating income	$4,245,000	1,863
Securities gains (losses)	$-1,000	3,505
Applicable income taxes	$794,000	1,510
Income before extraordinary items	$3,450,000	1,911
Extraordinary gains, net	$0	4
Net income	$3,450,000	1,910
Minority interest net income	$0	57
Net income of bank and minority interests.	$3,450,000	1,910
Net charge-offs	$4,000	2,057
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$3,450,810	1,944
2022-06-30 (YTD Data)		Rank
Total interest income	$9,170,000	1,587
Total interest expense	$1,123,000	1,026
Net interest income	$8,047,000	1,660
Provision for loan and lease losses	$0	2,599
Total noninterest income	$1,906,000	1,425
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$285,000	1,549
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,621,000	1,247
Total noninterest expense	$7,711,000	1,431
Salaries and employee benefits	$4,182,000	1,517
Premises and equipment expense	$660,000	1,706
Additional noninterest expense	$2,869,000	1,206
Pre-tax net operating income	$2,242,000	2,058
Securities gains (losses)	$0	687
Applicable income taxes	$417,000	1,612
Income before extraordinary items	$1,825,000	2,105
Extraordinary gains, net	$0	4
Net income	$1,825,000	2,106
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,825,000	2,105
Net charge-offs	$-28,000	3,994
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,825,000	2,144
2022-03-31 (YTD Data)		Rank
Total interest income	$4,446,000	1,584
Total interest expense	$574,000	968
Net interest income	$3,872,000	1,664
Provision for loan and lease losses	$0	2,285
Total noninterest income	$854,000	1,522
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$140,000	1,560
Trading account gains and fees	NA	NA
Additional Noninterest Income	$714,000	1,360
Total noninterest expense	$3,804,000	1,437
Salaries and employee benefits	$2,134,000	1,493
Premises and equipment expense	$333,000	1,713
Additional noninterest expense	$1,337,000	1,261
Pre-tax net operating income	$922,000	2,203
Securities gains (losses)	$0	623
Applicable income taxes	$169,000	1,720
Income before extraordinary items	$753,000	2,266
Extraordinary gains, net	$0	4
Net income	$753,000	2,265
Minority interest net income	$0	50
Net income of bank and minority interests.	$753,000	2,266
Net charge-offs	$1,000	1,671
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$753,000	2,290
2021-12-31 (YTD Data)		Rank
Total interest income	$19,427,000	1,516
Total interest expense	$2,837,000	966
Net interest income	$16,590,000	1,594
Provision for loan and lease losses	$-300,000	4,359
Total noninterest income	$6,029,000	1,164
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$488,000	1,633
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,541,000	990
Total noninterest expense	$15,543,000	1,406
Salaries and employee benefits	$8,463,000	1,497
Premises and equipment expense	$1,306,000	1,704
Additional noninterest expense	$5,774,000	1,171
Pre-tax net operating income	$7,376,000	1,571
Securities gains (losses)	$-1,000	4,253
Applicable income taxes	$1,579,000	1,271
Income before extraordinary items	$5,796,000	1,701
Extraordinary gains, net	$0	10
Net income	$5,796,000	1,700
Minority interest net income	$0	74
Net income of bank and minority interests.	$5,796,000	1,701
Net charge-offs	$211,000	1,004
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$5,796,790	1,671
2021-09-30 (YTD Data)		Rank
Total interest income	$14,586,000	1,542
Total interest expense	$2,181,000	990
Net interest income	$12,405,000	1,624
Provision for loan and lease losses	$200,000	1,464
Total noninterest income	$4,899,000	1,132
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$353,000	1,662
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,546,000	955
Total noninterest expense	$11,290,000	1,460
Salaries and employee benefits	$6,352,000	1,494
Premises and equipment expense	$911,000	1,826
Additional noninterest expense	$4,027,000	1,249
Pre-tax net operating income	$5,814,000	1,590
Securities gains (losses)	$0	2,015
Applicable income taxes	$1,189,000	1,339
Income before extraordinary items	$4,625,000	1,697
Extraordinary gains, net	$0	8
Net income	$4,625,000	1,696
Minority interest net income	$0	69
Net income of bank and minority interests.	$4,625,000	1,697
Net charge-offs	$237,000	728
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$4,625,000	1,672
2021-06-30 (YTD Data)		Rank
Total interest income	$9,671,000	1,544
Total interest expense	$1,478,000	1,021
Net interest income	$8,193,000	1,620
Provision for loan and lease losses	$200,000	1,183
Total noninterest income	$3,560,000	1,066
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$224,000	1,659
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,336,000	896
Total noninterest expense	$7,488,000	1,455
Salaries and employee benefits	$4,233,000	1,486
Premises and equipment expense	$630,000	1,784
Additional noninterest expense	$2,625,000	1,258
Pre-tax net operating income	$4,065,000	1,505
Securities gains (losses)	$0	1,818
Applicable income taxes	$809,000	1,312
Income before extraordinary items	$3,256,000	1,618
Extraordinary gains, net	$0	6
Net income	$3,256,000	1,618
Minority interest net income	$0	67
Net income of bank and minority interests.	$3,256,000	1,618
Net charge-offs	$186,000	674
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$3,256,000	1,591
2021-03-31 (YTD Data)		Rank
Total interest income	$4,876,000	1,542
Total interest expense	$766,000	1,036
Net interest income	$4,110,000	1,610
Provision for loan and lease losses	$100,000	1,234
Total noninterest income	$2,107,000	966
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$113,000	1,648
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,994,000	822
Total noninterest expense	$3,827,000	1,422
Salaries and employee benefits	$2,224,000	1,420
Premises and equipment expense	$320,000	1,757
Additional noninterest expense	$1,283,000	1,268
Pre-tax net operating income	$2,290,000	1,381
Securities gains (losses)	$0	1,392
Applicable income taxes	$470,000	1,181
Income before extraordinary items	$1,820,000	1,491
Extraordinary gains, net	$0	3
Net income	$1,820,000	1,491
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,820,000	1,491
Net charge-offs	$112,000	587
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,820,000	1,454
2020-12-31 (YTD Data)		Rank
Total interest income	$20,407,000	1,472
Total interest expense	$4,648,000	1,019
Net interest income	$15,759,000	1,588
Provision for loan and lease losses	$1,689,000	1,170
Total noninterest income	$7,390,000	989
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$454,000	1,720
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,936,000	818
Total noninterest expense	$15,353,000	1,383
Salaries and employee benefits	$8,910,000	1,385
Premises and equipment expense	$1,153,000	1,848
Additional noninterest expense	$5,290,000	1,212
Pre-tax net operating income	$6,107,000	1,540
Securities gains (losses)	$473,000	623
Applicable income taxes	$1,371,000	1,204
Income before extraordinary items	$5,209,000	1,584
Extraordinary gains, net	$0	4
Net income	$5,209,000	1,584
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,209,000	1,584
Net charge-offs	$100,000	2,002
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$4,835,330	1,632
2020-09-30 (YTD Data)		Rank
Total interest income	$15,386,000	1,470
Total interest expense	$3,692,000	1,030
Net interest income	$11,694,000	1,585
Provision for loan and lease losses	$1,389,000	1,127
Total noninterest income	$5,320,000	989
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$329,000	1,760
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,991,000	813
Total noninterest expense	$11,026,000	1,411
Salaries and employee benefits	$6,553,000	1,390
Premises and equipment expense	$787,000	1,961
Additional noninterest expense	$3,686,000	1,276
Pre-tax net operating income	$4,599,000	1,503
Securities gains (losses)	$511,000	484
Applicable income taxes	$961,000	1,213
Income before extraordinary items	$4,149,000	1,471
Extraordinary gains, net	$0	4
Net income	$4,149,000	1,472
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,149,000	1,472
Net charge-offs	$99,000	1,674
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$3,735,090	1,558
2020-06-30 (YTD Data)		Rank
Total interest income	$10,420,000	1,467
Total interest expense	$2,585,000	1,053
Net interest income	$7,835,000	1,576
Provision for loan and lease losses	$1,089,000	1,033
Total noninterest income	$2,565,000	1,151
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$210,000	1,845
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,355,000	957
Total noninterest expense	$7,018,000	1,456
Salaries and employee benefits	$4,178,000	1,434
Premises and equipment expense	$484,000	2,069
Additional noninterest expense	$2,356,000	1,313
Pre-tax net operating income	$2,293,000	1,813
Securities gains (losses)	$494,000	371
Applicable income taxes	$517,000	1,319
Income before extraordinary items	$2,270,000	1,657
Extraordinary gains, net	$0	4
Net income	$2,270,000	1,658
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,270,000	1,658
Net charge-offs	$85,000	1,443
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,869,860	1,892
2020-03-31 (YTD Data)		Rank
Total interest income	$5,266,000	1,446
Total interest expense	$1,379,000	1,095
Net interest income	$3,887,000	1,537
Provision for loan and lease losses	$373,000	1,065
Total noninterest income	$962,000	1,322
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$134,000	1,756
Trading account gains and fees	NA	NA
Additional Noninterest Income	$828,000	1,111
Total noninterest expense	$3,571,000	1,451
Salaries and employee benefits	$2,143,000	1,420
Premises and equipment expense	$239,000	2,107
Additional noninterest expense	$1,189,000	1,317
Pre-tax net operating income	$905,000	1,982
Securities gains (losses)	$293,000	291
Applicable income taxes	$234,000	1,266
Income before extraordinary items	$964,000	1,716
Extraordinary gains, net	$0	4
Net income	$964,000	1,717
Minority interest net income	$0	56
Net income of bank and minority interests.	$964,000	1,717
Net charge-offs	$43,000	1,266
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$729,600	2,076
2019-12-31 (YTD Data)		Rank
Total interest income	$21,938,000	1,408
Total interest expense	$6,376,000	1,006
Net interest income	$15,562,000	1,540
Provision for loan and lease losses	$1,186,000	810
Total noninterest income	$3,775,000	1,369
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$579,000	1,717
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,196,000	1,151
Total noninterest expense	$13,863,000	1,445
Salaries and employee benefits	$7,926,000	1,463
Premises and equipment expense	$973,000	2,073
Additional noninterest expense	$4,964,000	1,255
Pre-tax net operating income	$4,288,000	1,959
Securities gains (losses)	$120,000	835
Applicable income taxes	$828,000	1,574
Income before extraordinary items	$3,580,000	2,049
Extraordinary gains, net	$0	11
Net income	$3,580,000	2,051
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,580,000	2,051
Net charge-offs	$2,002,000	418
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,482,800	2,054
2019-09-30 (YTD Data)		Rank
Total interest income	$16,440,000	1,414
Total interest expense	$4,721,000	1,022
Net interest income	$11,719,000	1,551
Provision for loan and lease losses	$1,039,000	669
Total noninterest income	$2,774,000	1,380
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$429,000	1,737
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,345,000	1,163
Total noninterest expense	$10,605,000	1,441
Salaries and employee benefits	$6,270,000	1,414
Premises and equipment expense	$719,000	2,106
Additional noninterest expense	$3,616,000	1,287
Pre-tax net operating income	$2,849,000	2,178
Securities gains (losses)	$116,000	728
Applicable income taxes	$519,000	1,762
Income before extraordinary items	$2,446,000	2,233
Extraordinary gains, net	$0	11
Net income	$2,446,000	2,233
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,446,000	2,234
Net charge-offs	$2,011,000	308
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,350,880	2,246
2019-06-30 (YTD Data)		Rank
Total interest income	$10,947,000	1,414
Total interest expense	$3,093,000	1,014
Net interest income	$7,854,000	1,554
Provision for loan and lease losses	$744,000	631
Total noninterest income	$1,717,000	1,424
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$279,000	1,754
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,438,000	1,196
Total noninterest expense	$7,091,000	1,439
Salaries and employee benefits	$4,190,000	1,409
Premises and equipment expense	$482,000	2,113
Additional noninterest expense	$2,419,000	1,301
Pre-tax net operating income	$1,736,000	2,278
Securities gains (losses)	$26,000	950
Applicable income taxes	$297,000	1,871
Income before extraordinary items	$1,465,000	2,360
Extraordinary gains, net	$0	11
Net income	$1,465,000	2,360
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,465,000	2,360
Net charge-offs	$2,028,000	228
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,443,420	2,352
2019-03-31 (YTD Data)		Rank
Total interest income	$5,438,000	1,419
Total interest expense	$1,500,000	1,020
Net interest income	$3,938,000	1,557
Provision for loan and lease losses	$344,000	620
Total noninterest income	$714,000	1,544
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$138,000	1,757
Trading account gains and fees	NA	NA
Additional Noninterest Income	$576,000	1,318
Total noninterest expense	$3,566,000	1,441
Salaries and employee benefits	$2,127,000	1,386
Premises and equipment expense	$244,000	2,114
Additional noninterest expense	$1,195,000	1,300
Pre-tax net operating income	$742,000	2,489
Securities gains (losses)	$1,000	1,020
Applicable income taxes	$118,000	2,032
Income before extraordinary items	$625,000	2,555
Extraordinary gains, net	$0	5
Net income	$625,000	2,554
Minority interest net income	$0	52
Net income of bank and minority interests.	$625,000	2,554
Net charge-offs	$58,000	1,135
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$624,160	2,545
2018-12-31 (YTD Data)		Rank
Total interest income	$19,006,000	1,513
Total interest expense	$4,338,000	1,057
Net interest income	$14,668,000	1,639
Provision for loan and lease losses	$900,000	959
Total noninterest income	$3,476,000	1,394
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$589,000	1,757
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,887,000	1,169
Total noninterest expense	$13,686,000	1,453
Salaries and employee benefits	$8,069,000	1,412
Premises and equipment expense	$1,011,000	2,042
Additional noninterest expense	$4,606,000	1,337
Pre-tax net operating income	$3,558,000	2,258
Securities gains (losses)	$24,000	542
Applicable income taxes	$778,000	1,606
Income before extraordinary items	$2,804,000	2,420
Extraordinary gains, net	$0	6
Net income	$2,804,000	2,418
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,804,000	2,419
Net charge-offs	$71,000	2,395
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,785,040	2,428
2018-09-30 (YTD Data)		Rank
Total interest income	$13,707,000	1,550
Total interest expense	$2,993,000	1,069
Net interest income	$10,714,000	1,678
Provision for loan and lease losses	$625,000	956
Total noninterest income	$2,499,000	1,449
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$439,000	1,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,060,000	1,235
Total noninterest expense	$10,266,000	1,457
Salaries and employee benefits	$6,005,000	1,414
Premises and equipment expense	$762,000	2,033
Additional noninterest expense	$3,499,000	1,324
Pre-tax net operating income	$2,322,000	2,495
Securities gains (losses)	$0	1,118
Applicable income taxes	$389,000	2,004
Income before extraordinary items	$1,933,000	2,578
Extraordinary gains, net	$0	5
Net income	$1,933,000	2,578
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,933,000	2,577
Net charge-offs	$68,000	2,001
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,933,000	2,564
2018-06-30 (YTD Data)		Rank
Total interest income	$8,794,000	1,586
Total interest expense	$1,810,000	1,100
Net interest income	$6,984,000	1,710
Provision for loan and lease losses	$310,000	1,142
Total noninterest income	$1,627,000	1,477
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$287,000	1,809
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,340,000	1,254
Total noninterest expense	$6,967,000	1,449
Salaries and employee benefits	$4,101,000	1,393
Premises and equipment expense	$523,000	2,009
Additional noninterest expense	$2,343,000	1,327
Pre-tax net operating income	$1,334,000	2,708
Securities gains (losses)	$0	961
Applicable income taxes	$215,000	2,158
Income before extraordinary items	$1,119,000	2,787
Extraordinary gains, net	$0	6
Net income	$1,119,000	2,786
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,119,000	2,786
Net charge-offs	$66,000	1,576
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,119,000	2,776
2018-03-31 (YTD Data)		Rank
Total interest income	$4,233,000	1,631
Total interest expense	$812,000	1,159
Net interest income	$3,421,000	1,740
Provision for loan and lease losses	$126,000	1,279
Total noninterest income	$789,000	1,496
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$143,000	1,812
Trading account gains and fees	NA	NA
Additional Noninterest Income	$646,000	1,273
Total noninterest expense	$3,691,000	1,386
Salaries and employee benefits	$2,272,000	1,289
Premises and equipment expense	$266,000	2,023
Additional noninterest expense	$1,153,000	1,331
Pre-tax net operating income	$393,000	3,460
Securities gains (losses)	$0	735
Applicable income taxes	$51,000	2,678
Income before extraordinary items	$342,000	3,495
Extraordinary gains, net	$0	7
Net income	$342,000	3,494
Minority interest net income	$0	52
Net income of bank and minority interests.	$342,000	3,495
Net charge-offs	$50,000	1,196
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$342,000	3,494
2017-12-31 (YTD Data)		Rank
Total interest income	$15,781,000	1,677
Total interest expense	$2,665,000	1,213
Net interest income	$13,116,000	1,763
Provision for loan and lease losses	$600,000	1,276
Total noninterest income	$3,503,000	1,412
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$550,000	1,896
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,953,000	1,172
Total noninterest expense	$12,593,000	1,563
Salaries and employee benefits	$7,253,000	1,528
Premises and equipment expense	$922,000	2,231
Additional noninterest expense	$4,418,000	1,388
Pre-tax net operating income	$3,426,000	2,271
Securities gains (losses)	$31,000	1,125
Applicable income taxes	$2,444,000	1,130
Income before extraordinary items	$1,013,000	3,700
Extraordinary gains, net	$0	9
Net income	$1,013,000	3,699
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,013,000	3,700
Net charge-offs	$260,000	1,598
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$993,160	3,716
2017-09-30 (YTD Data)		Rank
Total interest income	$11,656,000	1,698
Total interest expense	$1,938,000	1,227
Net interest income	$9,718,000	1,786
Provision for loan and lease losses	$450,000	1,230
Total noninterest income	$2,722,000	1,390
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$405,000	1,933
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,317,000	1,153
Total noninterest expense	$9,482,000	1,568
Salaries and employee benefits	$5,330,000	1,565
Premises and equipment expense	$702,000	2,213
Additional noninterest expense	$3,450,000	1,328
Pre-tax net operating income	$2,508,000	2,361
Securities gains (losses)	$25,000	1,221
Applicable income taxes	$709,000	1,774
Income before extraordinary items	$1,824,000	2,551
Extraordinary gains, net	$0	9
Net income	$1,824,000	2,551
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,824,000	2,551
Net charge-offs	$276,000	1,171
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,806,000	2,560
2017-06-30 (YTD Data)		Rank
Total interest income	$7,676,000	1,703
Total interest expense	$1,238,000	1,235
Net interest income	$6,438,000	1,786
Provision for loan and lease losses	$300,000	1,177
Total noninterest income	$1,734,000	1,445
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$241,000	2,087
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,493,000	1,196
Total noninterest expense	$6,294,000	1,568
Salaries and employee benefits	$3,500,000	1,601
Premises and equipment expense	$501,000	2,124
Additional noninterest expense	$2,293,000	1,329
Pre-tax net operating income	$1,578,000	2,408
Securities gains (losses)	$21,000	972
Applicable income taxes	$422,000	1,848
Income before extraordinary items	$1,177,000	2,564
Extraordinary gains, net	$0	11
Net income	$1,177,000	2,563
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,177,000	2,564
Net charge-offs	$214,000	1,013
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,161,460	2,563
2017-03-31 (YTD Data)		Rank
Total interest income	$3,814,000	1,706
Total interest expense	$600,000	1,239
Net interest income	$3,214,000	1,785
Provision for loan and lease losses	$125,000	1,284
Total noninterest income	$772,000	1,559
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$111,000	2,234
Trading account gains and fees	$0	142
Additional Noninterest Income	$661,000	1,273
Total noninterest expense	$3,135,000	1,589
Salaries and employee benefits	$1,813,000	1,554
Premises and equipment expense	$231,000	2,268
Additional noninterest expense	$1,091,000	1,386
Pre-tax net operating income	$726,000	2,474
Securities gains (losses)	$15,000	575
Applicable income taxes	$182,000	1,954
Income before extraordinary items	$559,000	2,583
Extraordinary gains, net	$0	8
Net income	$559,000	2,583
Minority interest net income	$0	55
Net income of bank and minority interests.	$559,000	2,583
Net charge-offs	$193,000	622
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$547,750	2,595
2016-12-31 (YTD Data)		Rank
Total interest income	$15,017,000	1,678
Total interest expense	$2,348,000	1,233
Net interest income	$12,669,000	1,772
Provision for loan and lease losses	$250,000	2,175
Total noninterest income	$3,821,000	1,383
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$479,000	2,153
Trading account gains and fees	$0	170
Additional Noninterest Income	$3,342,000	1,122
Total noninterest expense	$13,276,000	1,480
Salaries and employee benefits	$7,086,000	1,528
Premises and equipment expense	$993,000	2,159
Additional noninterest expense	$5,197,000	1,219
Pre-tax net operating income	$2,964,000	2,417
Securities gains (losses)	$120,000	1,214
Applicable income taxes	$808,000	1,830
Income before extraordinary items	$2,276,000	2,565
Extraordinary gains, net	$0	5
Net income	$2,276,000	2,563
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,276,000	2,564
Net charge-offs	$130,000	2,358
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,187,200	2,577
2016-09-30 (YTD Data)		Rank
Total interest income	$11,278,000	1,679
Total interest expense	$1,663,000	1,289
Net interest income	$9,615,000	1,755
Provision for loan and lease losses	$188,000	2,103
Total noninterest income	$2,709,000	1,438
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$357,000	2,175
Trading account gains and fees	$0	169
Additional Noninterest Income	$2,352,000	1,178
Total noninterest expense	$9,412,000	1,549
Salaries and employee benefits	$5,160,000	1,571
Premises and equipment expense	$708,000	2,238
Additional noninterest expense	$3,544,000	1,324
Pre-tax net operating income	$2,724,000	2,104
Securities gains (losses)	$119,000	1,142
Applicable income taxes	$775,000	1,653
Income before extraordinary items	$2,068,000	2,288
Extraordinary gains, net	$0	5
Net income	$2,068,000	2,287
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,068,000	2,288
Net charge-offs	$72,000	2,331
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,981,130	2,300
2016-06-30 (YTD Data)		Rank
Total interest income	$7,458,000	1,705
Total interest expense	$1,095,000	1,304
Net interest income	$6,363,000	1,765
Provision for loan and lease losses	$188,000	1,690
Total noninterest income	$1,636,000	1,522
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$233,000	2,188
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,403,000	1,240
Total noninterest expense	$6,269,000	1,555
Salaries and employee benefits	$3,422,000	1,587
Premises and equipment expense	$469,000	2,250
Additional noninterest expense	$2,378,000	1,325
Pre-tax net operating income	$1,542,000	2,357
Securities gains (losses)	$86,000	1,061
Applicable income taxes	$419,000	1,840
Income before extraordinary items	$1,209,000	2,479
Extraordinary gains, net	$0	16
Net income	$1,209,000	2,478
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,209,000	2,478
Net charge-offs	$60,000	2,015
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,145,360	2,495
2016-03-31 (YTD Data)		Rank
Total interest income	$3,758,000	1,687
Total interest expense	$541,000	1,313
Net interest income	$3,217,000	1,748
Provision for loan and lease losses	$113,000	1,420
Total noninterest income	$743,000	1,605
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$112,000	2,246
Trading account gains and fees	$0	142
Additional Noninterest Income	$631,000	1,309
Total noninterest expense	$3,142,000	1,551
Salaries and employee benefits	$1,772,000	1,541
Premises and equipment expense	$234,000	2,271
Additional noninterest expense	$1,136,000	1,362
Pre-tax net operating income	$705,000	2,473
Securities gains (losses)	$18,000	1,277
Applicable income taxes	$177,000	1,945
Income before extraordinary items	$546,000	2,607
Extraordinary gains, net	$0	12
Net income	$546,000	2,607
Minority interest net income	$0	62
Net income of bank and minority interests.	$546,000	2,607
Net charge-offs	$2,000	2,815
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$532,320	2,597
2015-12-31 (YTD Data)		Rank
Total interest income	$14,614,000	1,692
Total interest expense	$1,998,000	1,397
Net interest income	$12,616,000	1,738
Provision for loan and lease losses	$450,000	1,461
Total noninterest income	$3,575,000	1,406
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$463,000	2,267
Trading account gains and fees	$0	159
Additional Noninterest Income	$3,112,000	1,136
Total noninterest expense	$12,804,000	1,512
Salaries and employee benefits	$7,224,000	1,476
Premises and equipment expense	$939,000	2,277
Additional noninterest expense	$4,641,000	1,353
Pre-tax net operating income	$2,937,000	2,358
Securities gains (losses)	$56,000	1,567
Applicable income taxes	$764,000	1,846
Income before extraordinary items	$2,229,000	2,530
Extraordinary gains, net	$0	23
Net income	$2,229,000	2,532
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,229,000	2,532
Net charge-offs	$411,000	1,333
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,187,560	2,517
2015-09-30 (YTD Data)		Rank
Total interest income	$10,892,000	1,714
Total interest expense	$1,478,000	1,417
Net interest income	$9,414,000	1,761
Provision for loan and lease losses	$375,000	1,308
Total noninterest income	$2,684,000	1,421
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$341,000	2,310
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,343,000	1,150
Total noninterest expense	$9,446,000	1,543
Salaries and employee benefits	$5,249,000	1,524
Premises and equipment expense	$721,000	2,271
Additional noninterest expense	$3,476,000	1,354
Pre-tax net operating income	$2,277,000	2,338
Securities gains (losses)	$46,000	1,525
Applicable income taxes	$620,000	1,820
Income before extraordinary items	$1,703,000	2,551
Extraordinary gains, net	$0	21
Net income	$1,703,000	2,552
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,703,000	2,552
Net charge-offs	$291,000	1,223
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,669,420	2,533
2015-06-30 (YTD Data)		Rank
Total interest income	$7,168,000	1,742
Total interest expense	$972,000	1,442
Net interest income	$6,196,000	1,788
Provision for loan and lease losses	$225,000	1,382
Total noninterest income	$1,814,000	1,416
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$221,000	2,329
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,593,000	1,135
Total noninterest expense	$6,277,000	1,554
Salaries and employee benefits	$3,507,000	1,529
Premises and equipment expense	$481,000	2,279
Additional noninterest expense	$2,289,000	1,367
Pre-tax net operating income	$1,508,000	2,332
Securities gains (losses)	$23,000	1,643
Applicable income taxes	$421,000	1,802
Income before extraordinary items	$1,110,000	2,566
Extraordinary gains, net	$0	22
Net income	$1,110,000	2,568
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,110,000	2,568
Net charge-offs	$105,000	1,688
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,093,210	2,538
2015-03-31 (YTD Data)		Rank
Total interest income	$3,616,000	1,726
Total interest expense	$478,000	1,457
Net interest income	$3,138,000	1,749
Provision for loan and lease losses	$163,000	1,019
Total noninterest income	$950,000	1,345
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$105,000	2,396
Trading account gains and fees	$0	152
Additional Noninterest Income	$845,000	1,054
Total noninterest expense	$3,062,000	1,583
Salaries and employee benefits	$1,724,000	1,560
Premises and equipment expense	$244,000	2,288
Additional noninterest expense	$1,094,000	1,410
Pre-tax net operating income	$863,000	2,091
Securities gains (losses)	$21,000	1,218
Applicable income taxes	$268,000	1,558
Income before extraordinary items	$616,000	2,347
Extraordinary gains, net	$0	13
Net income	$616,000	2,348
Minority interest net income	$0	64
Net income of bank and minority interests.	$616,000	2,348
Net charge-offs	$108,000	1,059
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$601,300	2,317
2014-12-31 (YTD Data)		Rank
Total interest income	$14,208,000	1,772
Total interest expense	$1,935,000	1,532
Net interest income	$12,273,000	1,788
Provision for loan and lease losses	$350,000	1,826
Total noninterest income	$3,068,000	1,549
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$503,000	2,276
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,565,000	1,227
Total noninterest expense	$12,124,000	1,583
Salaries and employee benefits	$6,907,000	1,508
Premises and equipment expense	$926,000	2,383
Additional noninterest expense	$4,291,000	1,467
Pre-tax net operating income	$2,867,000	2,341
Securities gains (losses)	$141,000	1,018
Applicable income taxes	$803,000	1,758
Income before extraordinary items	$2,205,000	2,516
Extraordinary gains, net	$0	17
Net income	$2,205,000	2,516
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,205,000	2,516
Net charge-offs	$180,000	2,581
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,102,070	2,568
2014-09-30 (YTD Data)		Rank
Total interest income	$10,644,000	1,786
Total interest expense	$1,457,000	1,542
Net interest income	$9,187,000	1,798
Provision for loan and lease losses	$300,000	1,622
Total noninterest income	$2,283,000	1,555
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$376,000	2,296
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,907,000	1,241
Total noninterest expense	$9,142,000	1,575
Salaries and employee benefits	$5,147,000	1,515
Premises and equipment expense	$706,000	2,381
Additional noninterest expense	$3,289,000	1,448
Pre-tax net operating income	$2,028,000	2,483
Securities gains (losses)	$88,000	1,079
Applicable income taxes	$555,000	1,891
Income before extraordinary items	$1,561,000	2,662
Extraordinary gains, net	$0	15
Net income	$1,561,000	2,662
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,561,000	2,662
Net charge-offs	$148,000	2,304
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,495,880	2,689
2014-06-30 (YTD Data)		Rank
Total interest income	$7,070,000	1,777
Total interest expense	$972,000	1,552
Net interest income	$6,098,000	1,795
Provision for loan and lease losses	$234,000	1,518
Total noninterest income	$1,446,000	1,587
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$248,000	2,280
Trading account gains and fees	$0	172
Additional Noninterest Income	$1,198,000	1,288
Total noninterest expense	$6,135,000	1,556
Salaries and employee benefits	$3,443,000	1,512
Premises and equipment expense	$492,000	2,309
Additional noninterest expense	$2,200,000	1,442
Pre-tax net operating income	$1,175,000	2,689
Securities gains (losses)	$29,000	1,459
Applicable income taxes	$298,000	2,039
Income before extraordinary items	$906,000	2,839
Extraordinary gains, net	$0	20
Net income	$906,000	2,844
Minority interest net income	$0	80
Net income of bank and minority interests.	$906,000	2,844
Net charge-offs	$121,000	2,019
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$884,250	2,834
2014-03-31 (YTD Data)		Rank
Total interest income	$3,507,000	1,779
Total interest expense	$487,000	1,572
Net interest income	$3,020,000	1,804
Provision for loan and lease losses	$100,000	1,586
Total noninterest income	$705,000	1,584
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$117,000	2,365
Trading account gains and fees	$0	147
Additional Noninterest Income	$588,000	1,264
Total noninterest expense	$3,037,000	1,584
Salaries and employee benefits	$1,750,000	1,499
Premises and equipment expense	$269,000	2,163
Additional noninterest expense	$1,018,000	1,535
Pre-tax net operating income	$588,000	2,605
Securities gains (losses)	$9,000	1,195
Applicable income taxes	$146,000	2,031
Income before extraordinary items	$451,000	2,773
Extraordinary gains, net	$0	16
Net income	$451,000	2,776
Minority interest net income	$0	66
Net income of bank and minority interests.	$451,000	2,776
Net charge-offs	$39,000	2,040
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$444,160	2,759
2013-12-31 (YTD Data)		Rank
Total interest income	$13,975,000	1,785
Total interest expense	$2,106,000	1,626
Net interest income	$11,869,000	1,809
Provision for loan and lease losses	$400,000	2,105
Total noninterest income	$4,142,000	1,292
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$494,000	2,399
Trading account gains and fees	$0	184
Additional Noninterest Income	$3,648,000	1,018
Total noninterest expense	$12,385,000	1,563
Salaries and employee benefits	$6,947,000	1,493
Premises and equipment expense	$889,000	2,499
Additional noninterest expense	$4,549,000	1,459
Pre-tax net operating income	$3,226,000	2,055
Securities gains (losses)	$74,000	1,532
Applicable income taxes	$853,000	1,620
Income before extraordinary items	$2,447,000	2,231
Extraordinary gains, net	$0	29
Net income	$2,447,000	2,234
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,447,000	2,234
Net charge-offs	$176,000	3,165
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,392,240	2,225
2013-09-30 (YTD Data)		Rank
Total interest income	$10,415,000	1,809
Total interest expense	$1,599,000	1,645
Net interest income	$8,816,000	1,826
Provision for loan and lease losses	$325,000	1,984
Total noninterest income	$3,396,000	1,239
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$366,000	2,441
Trading account gains and fees	$0	180
Additional Noninterest Income	$3,030,000	965
Total noninterest expense	$9,196,000	1,574
Salaries and employee benefits	$5,088,000	1,526
Premises and equipment expense	$690,000	2,435
Additional noninterest expense	$3,418,000	1,446
Pre-tax net operating income	$2,691,000	1,922
Securities gains (losses)	$64,000	1,494
Applicable income taxes	$753,000	1,513
Income before extraordinary items	$2,002,000	2,132
Extraordinary gains, net	$0	25
Net income	$2,002,000	2,139
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,002,000	2,139
Net charge-offs	$129,000	3,021
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,955,280	2,110
2013-06-30 (YTD Data)		Rank
Total interest income	$6,907,000	1,809
Total interest expense	$1,074,000	1,667
Net interest income	$5,833,000	1,824
Provision for loan and lease losses	$275,000	1,759
Total noninterest income	$2,536,000	1,147
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$238,000	2,457
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,298,000	885
Total noninterest expense	$6,139,000	1,574
Salaries and employee benefits	$3,381,000	1,537
Premises and equipment expense	$458,000	2,453
Additional noninterest expense	$2,300,000	1,425
Pre-tax net operating income	$1,955,000	1,759
Securities gains (losses)	$61,000	1,397
Applicable income taxes	$565,000	1,408
Income before extraordinary items	$1,451,000	1,976
Extraordinary gains, net	$0	22
Net income	$1,451,000	1,982
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,451,000	1,982
Net charge-offs	$99,000	2,766
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,407,080	1,958
2013-03-31 (YTD Data)		Rank
Total interest income	$3,460,000	1,826
Total interest expense	$560,000	1,654
Net interest income	$2,900,000	1,844
Provision for loan and lease losses	$125,000	1,855
Total noninterest income	$1,299,000	1,120
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$117,000	2,482
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,182,000	875
Total noninterest expense	$3,093,000	1,579
Salaries and employee benefits	$1,713,000	1,537
Premises and equipment expense	$230,000	2,467
Additional noninterest expense	$1,150,000	1,416
Pre-tax net operating income	$981,000	1,745
Securities gains (losses)	$16,000	1,343
Applicable income taxes	$268,000	1,447
Income before extraordinary items	$729,000	1,942
Extraordinary gains, net	$0	10
Net income	$729,000	1,943
Minority interest net income	$0	76
Net income of bank and minority interests.	$729,000	1,944
Net charge-offs	$6,000	3,622
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$717,320	1,881
2012-12-31 (YTD Data)		Rank
Total interest income	$14,559,000	1,808
Total interest expense	$2,918,000	1,519
Net interest income	$11,641,000	1,880
Provision for loan and lease losses	$600,000	2,443
Total noninterest income	$5,196,000	1,126
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$544,000	2,321
Trading account gains and fees	$0	166
Additional Noninterest Income	$4,652,000	857
Total noninterest expense	$12,207,000	1,583
Salaries and employee benefits	$6,953,000	1,470
Premises and equipment expense	$903,000	2,477
Additional noninterest expense	$4,351,000	1,548
Pre-tax net operating income	$4,030,000	1,652
Securities gains (losses)	$328,000	1,288
Applicable income taxes	$1,254,000	1,251
Income before extraordinary items	$3,104,000	1,799
Extraordinary gains, net	$0	29
Net income	$3,104,000	1,798
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,104,000	1,799
Net charge-offs	$462,000	2,754
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,871,120	1,833
2012-09-30 (YTD Data)		Rank
Total interest income	$10,942,000	1,836
Total interest expense	$2,269,000	1,539
Net interest income	$8,673,000	1,923
Provision for loan and lease losses	$382,000	2,649
Total noninterest income	$3,600,000	1,171
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$405,000	2,367
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,195,000	902
Total noninterest expense	$8,633,000	1,682
Salaries and employee benefits	$4,734,000	1,600
Premises and equipment expense	$680,000	2,495
Additional noninterest expense	$3,219,000	1,556
Pre-tax net operating income	$3,258,000	1,587
Securities gains (losses)	$313,000	1,077
Applicable income taxes	$1,063,000	1,180
Income before extraordinary items	$2,508,000	1,741
Extraordinary gains, net	$0	20
Net income	$2,508,000	1,740
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,508,000	1,742
Net charge-offs	$279,000	2,919
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,288,900	1,776
2012-06-30 (YTD Data)		Rank
Total interest income	$7,351,000	1,832
Total interest expense	$1,581,000	1,532
Net interest income	$5,770,000	1,916
Provision for loan and lease losses	$235,000	2,788
Total noninterest income	$2,297,000	1,198
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$266,000	2,372
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,031,000	905
Total noninterest expense	$5,760,000	1,686
Salaries and employee benefits	$3,180,000	1,594
Premises and equipment expense	$461,000	2,470
Additional noninterest expense	$2,119,000	1,591
Pre-tax net operating income	$2,072,000	1,643
Securities gains (losses)	$227,000	1,021
Applicable income taxes	$671,000	1,215
Income before extraordinary items	$1,628,000	1,763
Extraordinary gains, net	$0	19
Net income	$1,628,000	1,761
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,628,000	1,763
Net charge-offs	$213,000	2,682
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,466,830	1,833
2012-03-31 (YTD Data)		Rank
Total interest income	$3,731,000	1,827
Total interest expense	$826,000	1,526
Net interest income	$2,905,000	1,909
Provision for loan and lease losses	$50,000	3,648
Total noninterest income	$1,323,000	1,071
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$135,000	2,328
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,188,000	801
Total noninterest expense	$2,845,000	1,689
Salaries and employee benefits	$1,593,000	1,588
Premises and equipment expense	$231,000	2,477
Additional noninterest expense	$1,021,000	1,621
Pre-tax net operating income	$1,333,000	1,315
Securities gains (losses)	$33,000	1,408
Applicable income taxes	$439,000	992
Income before extraordinary items	$927,000	1,577
Extraordinary gains, net	$0	19
Net income	$927,000	1,578
Minority interest net income	$0	78
Net income of bank and minority interests.	$927,000	1,578
Net charge-offs	$16,000	3,803
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$904,560	1,504
2011-12-31 (YTD Data)		Rank
Total interest income	$15,499,000	1,820
Total interest expense	$4,005,000	1,518
Net interest income	$11,494,000	1,912
Provision for loan and lease losses	$475,000	3,530
Total noninterest income	$3,065,000	1,472
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$633,000	2,147
Trading account gains and fees	$0	146
Additional Noninterest Income	$2,432,000	1,195
Total noninterest expense	$11,203,000	1,736
Salaries and employee benefits	$6,181,000	1,586
Premises and equipment expense	$1,031,000	2,361
Additional noninterest expense	$3,991,000	1,705
Pre-tax net operating income	$2,881,000	1,914
Securities gains (losses)	$188,000	1,510
Applicable income taxes	$786,000	1,576
Income before extraordinary items	$2,283,000	2,027
Extraordinary gains, net	$0	29
Net income	$2,283,000	2,028
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,283,000	2,028
Net charge-offs	$906,000	2,471
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,143,880	2,055
2011-09-30 (YTD Data)		Rank
Total interest income	$11,664,000	1,831
Total interest expense	$3,079,000	1,532
Net interest income	$8,585,000	1,927
Provision for loan and lease losses	$302,000	3,592
Total noninterest income	$2,306,000	1,454
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$474,000	2,167
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,832,000	1,189
Total noninterest expense	$8,477,000	1,710
Salaries and employee benefits	$4,656,000	1,585
Premises and equipment expense	$821,000	2,238
Additional noninterest expense	$3,000,000	1,696
Pre-tax net operating income	$2,112,000	1,999
Securities gains (losses)	$180,000	1,284
Applicable income taxes	$605,000	1,568
Income before extraordinary items	$1,687,000	2,106
Extraordinary gains, net	$0	21
Net income	$1,687,000	2,106
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,687,000	2,107
Net charge-offs	$812,000	2,123
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,553,800	2,159
2011-06-30 (YTD Data)		Rank
Total interest income	$7,771,000	1,844
Total interest expense	$2,091,000	1,560
Net interest income	$5,680,000	1,938
Provision for loan and lease losses	$75,000	4,696
Total noninterest income	$1,704,000	1,364
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$313,000	2,165
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,391,000	1,075
Total noninterest expense	$5,645,000	1,730
Salaries and employee benefits	$3,107,000	1,592
Premises and equipment expense	$560,000	2,224
Additional noninterest expense	$1,978,000	1,733
Pre-tax net operating income	$1,664,000	1,715
Securities gains (losses)	$51,000	1,585
Applicable income taxes	$445,000	1,434
Income before extraordinary items	$1,270,000	1,861
Extraordinary gains, net	$0	15
Net income	$1,270,000	1,861
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,270,000	1,861
Net charge-offs	$199,000	3,125
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,232,260	1,843
2011-03-31 (YTD Data)		Rank
Total interest income	$3,852,000	1,868
Total interest expense	$1,064,000	1,594
Net interest income	$2,788,000	1,970
Provision for loan and lease losses	$0	5,840
Total noninterest income	$970,000	1,241
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$153,000	2,167
Trading account gains and fees	$0	158
Additional Noninterest Income	$817,000	949
Total noninterest expense	$2,812,000	1,753
Salaries and employee benefits	$1,554,000	1,606
Premises and equipment expense	$302,000	2,123
Additional noninterest expense	$956,000	1,771
Pre-tax net operating income	$946,000	1,528
Securities gains (losses)	$0	1,772
Applicable income taxes	$248,000	1,284
Income before extraordinary items	$698,000	1,682
Extraordinary gains, net	$0	9
Net income	$698,000	1,682
Minority interest net income	$0	86
Net income of bank and minority interests.	$698,000	1,682
Net charge-offs	$147,000	2,379
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$698,000	1,634
2010-12-31 (YTD Data)		Rank
Total interest income	$15,947,000	1,896
Total interest expense	$4,894,000	1,685
Net interest income	$11,053,000	1,967
Provision for loan and lease losses	$380,000	4,516
Total noninterest income	$3,912,000	1,291
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$704,000	2,031
Trading account gains and fees	$0	175
Additional Noninterest Income	$3,208,000	1,009
Total noninterest expense	$11,504,000	1,716
Salaries and employee benefits	$6,167,000	1,581
Premises and equipment expense	$1,056,000	2,368
Additional noninterest expense	$4,281,000	1,675
Pre-tax net operating income	$3,081,000	1,591
Securities gains (losses)	$263,000	1,372
Applicable income taxes	$790,000	1,447
Income before extraordinary items	$2,554,000	1,611
Extraordinary gains, net	$0	29
Net income	$2,554,000	1,611
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,554,000	1,613
Net charge-offs	$123,000	5,245
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,354,120	1,678
2010-09-30 (YTD Data)		Rank
Total interest income	$11,986,000	1,932
Total interest expense	$3,756,000	1,704
Net interest income	$8,230,000	2,010
Provision for loan and lease losses	$380,000	3,974
Total noninterest income	$2,504,000	1,428
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$536,000	2,068
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,968,000	1,109
Total noninterest expense	$7,775,000	1,886
Salaries and employee benefits	$3,892,000	1,872
Premises and equipment expense	$784,000	2,421
Additional noninterest expense	$3,099,000	1,714
Pre-tax net operating income	$2,579,000	1,530
Securities gains (losses)	$270,000	1,158
Applicable income taxes	$802,000	1,200
Income before extraordinary items	$2,047,000	1,610
Extraordinary gains, net	$0	23
Net income	$2,047,000	1,613
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,047,000	1,613
Net charge-offs	$71,000	5,240
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,852,600	1,689
2010-06-30 (YTD Data)		Rank
Total interest income	$8,012,000	1,954
Total interest expense	$2,528,000	1,754
Net interest income	$5,484,000	2,021
Provision for loan and lease losses	$360,000	3,339
Total noninterest income	$1,515,000	1,501
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$358,000	2,061
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,157,000	1,176
Total noninterest expense	$5,088,000	1,933
Salaries and employee benefits	$2,584,000	1,894
Premises and equipment expense	$517,000	2,462
Additional noninterest expense	$1,987,000	1,771
Pre-tax net operating income	$1,551,000	1,680
Securities gains (losses)	$210,000	931
Applicable income taxes	$516,000	1,187
Income before extraordinary items	$1,245,000	1,748
Extraordinary gains, net	$0	19
Net income	$1,245,000	1,747
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,245,000	1,748
Net charge-offs	$64,000	4,667
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,095,900	1,862
2010-03-31 (YTD Data)		Rank
Total interest income	$3,993,000	2,003
Total interest expense	$1,293,000	1,795
Net interest income	$2,700,000	2,066
Provision for loan and lease losses	$180,000	3,129
Total noninterest income	$788,000	1,459
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$176,000	2,083
Trading account gains and fees	$0	175
Additional Noninterest Income	$612,000	1,110
Total noninterest expense	$2,606,000	1,902
Salaries and employee benefits	$1,308,000	1,908
Premises and equipment expense	$266,000	2,459
Additional noninterest expense	$1,032,000	1,701
Pre-tax net operating income	$702,000	1,822
Securities gains (losses)	$190,000	536
Applicable income taxes	$268,000	1,140
Income before extraordinary items	$624,000	1,767
Extraordinary gains, net	$0	16
Net income	$624,000	1,766
Minority interest net income	$0	91
Net income of bank and minority interests.	$624,000	1,768
Net charge-offs	$21,000	4,393
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$491,000	2,084
2009-12-31 (YTD Data)		Rank
Total interest income	$16,733,000	2,034
Total interest expense	$6,008,000	1,920
Net interest income	$10,725,000	2,038
Provision for loan and lease losses	$1,250,000	3,151
Total noninterest income	$4,227,000	1,249
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$776,000	2,093
Trading account gains and fees	$0	211
Additional Noninterest Income	$3,451,000	952
Total noninterest expense	$12,228,000	1,669
Salaries and employee benefits	$6,613,000	1,514
Premises and equipment expense	$1,069,000	2,445
Additional noninterest expense	$4,546,000	1,632
Pre-tax net operating income	$1,474,000	2,369
Securities gains (losses)	$20,000	3,038
Applicable income taxes	$261,000	2,155
Income before extraordinary items	$1,233,000	2,430
Extraordinary gains, net	$0	34
Net income	$1,233,000	2,428
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,233,000	2,429
Net charge-offs	$335,000	4,347
Cash dividends	$20,000	4,581
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,216,400	2,410
2009-09-30 (YTD Data)		Rank
Total interest income	$12,608,000	2,056
Total interest expense	$4,618,000	1,960
Net interest income	$7,990,000	2,062
Provision for loan and lease losses	$890,000	2,955
Total noninterest income	$3,332,000	1,219
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$570,000	2,127
Trading account gains and fees	$0	212
Additional Noninterest Income	$2,762,000	915
Total noninterest expense	$8,841,000	1,708
Salaries and employee benefits	$4,280,000	1,755
Premises and equipment expense	$868,000	2,306
Additional noninterest expense	$3,693,000	1,464
Pre-tax net operating income	$1,591,000	1,952
Securities gains (losses)	$36,000	2,456
Applicable income taxes	$383,000	1,674
Income before extraordinary items	$1,244,000	2,112
Extraordinary gains, net	$0	27
Net income	$1,244,000	2,110
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,244,000	2,112
Net charge-offs	$261,000	3,909
Cash dividends	$20,000	4,088
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,216,640	2,103
2009-06-30 (YTD Data)		Rank
Total interest income	$8,496,000	2,070
Total interest expense	$3,186,000	1,989
Net interest income	$5,310,000	2,067
Provision for loan and lease losses	$550,000	2,834
Total noninterest income	$2,636,000	1,066
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$369,000	2,151
Trading account gains and fees	$0	193
Additional Noninterest Income	$2,267,000	795
Total noninterest expense	$5,969,000	1,724
Salaries and employee benefits	$2,833,000	1,800
Premises and equipment expense	$554,000	2,422
Additional noninterest expense	$2,582,000	1,438
Pre-tax net operating income	$1,427,000	1,585
Securities gains (losses)	$20,000	2,324
Applicable income taxes	$389,000	1,291
Income before extraordinary items	$1,058,000	1,763
Extraordinary gains, net	$0	21
Net income	$1,058,000	1,760
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,058,000	1,762
Net charge-offs	$242,000	3,204
Cash dividends	$20,000	3,861
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,043,400	1,731
2009-03-31 (YTD Data)		Rank
Total interest income	$4,289,000	2,072
Total interest expense	$1,653,000	1,998
Net interest income	$2,636,000	2,074
Provision for loan and lease losses	$115,000	3,686
Total noninterest income	$1,020,000	1,262
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$175,000	2,191
Trading account gains and fees	$0	171
Additional Noninterest Income	$845,000	963
Total noninterest expense	$2,748,000	1,805
Salaries and employee benefits	$1,168,000	2,184
Premises and equipment expense	$283,000	2,421
Additional noninterest expense	$1,297,000	1,271
Pre-tax net operating income	$793,000	1,620
Securities gains (losses)	$0	2,434
Applicable income taxes	$214,000	1,383
Income before extraordinary items	$579,000	1,859
Extraordinary gains, net	$0	15
Net income	$579,000	1,861
Minority interest net income	$0	102
Net income of bank and minority interests.	$579,000	1,861
Net charge-offs	$154,000	2,388
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$579,000	1,750
2008-12-31 (YTD Data)		Rank
Total interest income	$18,490,000	2,064
Total interest expense	$8,052,000	1,962
Net interest income	$10,438,000	2,127
Provision for loan and lease losses	$435,000	4,013
Total noninterest income	$2,253,000	1,957
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$843,000	2,032
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,410,000	1,668
Total noninterest expense	$10,338,000	1,870
Salaries and employee benefits	$5,254,000	1,924
Premises and equipment expense	$1,092,000	2,430
Additional noninterest expense	$3,992,000	1,549
Pre-tax net operating income	$1,918,000	2,535
Securities gains (losses)	$-113,000	7,261
Applicable income taxes	$383,000	2,127
Income before extraordinary items	$1,422,000	2,609
Extraordinary gains, net	$0	39
Net income	$1,422,000	2,608
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$326,000	3,415
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,511,270	2,648
2008-09-30 (YTD Data)		Rank
Total interest income	$13,978,000	2,096
Total interest expense	$6,173,000	2,005
Net interest income	$7,805,000	2,150
Provision for loan and lease losses	$435,000	2,956
Total noninterest income	$1,803,000	1,915
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$631,000	2,042
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,172,000	1,626
Total noninterest expense	$7,147,000	2,007
Salaries and employee benefits	$3,389,000	2,272
Premises and equipment expense	$855,000	2,355
Additional noninterest expense	$2,903,000	1,540
Pre-tax net operating income	$2,026,000	2,294
Securities gains (losses)	$99,000	971
Applicable income taxes	$643,000	1,615
Income before extraordinary items	$1,482,000	2,348
Extraordinary gains, net	$0	31
Net income	$1,482,000	2,346
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$277,000	2,655
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,412,700	2,553
2008-06-30 (YTD Data)		Rank
Total interest income	$9,361,000	2,108
Total interest expense	$4,242,000	2,035
Net interest income	$5,119,000	2,169
Provision for loan and lease losses	$360,000	2,284
Total noninterest income	$1,213,000	1,935
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$408,000	2,072
Trading account gains and fees	$0	149
Additional Noninterest Income	$805,000	1,635
Total noninterest expense	$4,732,000	2,024
Salaries and employee benefits	$2,254,000	2,301
Premises and equipment expense	$567,000	2,376
Additional noninterest expense	$1,911,000	1,539
Pre-tax net operating income	$1,240,000	2,533
Securities gains (losses)	$73,000	1,178
Applicable income taxes	$453,000	1,720
Income before extraordinary items	$860,000	2,904
Extraordinary gains, net	$0	21
Net income	$860,000	2,904
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$269,000	1,904
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$812,550	2,967
2008-03-31 (YTD Data)		Rank
Total interest income	$4,762,000	2,129
Total interest expense	$2,281,000	2,020
Net interest income	$2,481,000	2,229
Provision for loan and lease losses	$75,000	3,123
Total noninterest income	$576,000	2,027
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$200,000	2,084
Trading account gains and fees	$0	158
Additional Noninterest Income	$376,000	1,701
Total noninterest expense	$2,362,000	2,031
Salaries and employee benefits	$1,153,000	2,281
Premises and equipment expense	$281,000	2,399
Additional noninterest expense	$928,000	1,545
Pre-tax net operating income	$620,000	2,638
Securities gains (losses)	$42,000	1,172
Applicable income taxes	$231,000	1,776
Income before extraordinary items	$431,000	3,021
Extraordinary gains, net	$0	15
Net income	$431,000	3,023
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	1,826
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$403,700	3,101
2007-12-31 (YTD Data)		Rank
Total interest income	$19,124,000	2,153
Total interest expense	$10,179,000	1,925
Net interest income	$8,945,000	2,459
Provision for loan and lease losses	$285,000	3,288
Total noninterest income	$2,557,000	1,854
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$847,000	2,038
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,710,000	1,520
Total noninterest expense	$9,788,000	1,888
Salaries and employee benefits	$5,201,000	1,936
Premises and equipment expense	$1,091,000	2,380
Additional noninterest expense	$3,496,000	1,585
Pre-tax net operating income	$1,429,000	3,988
Securities gains (losses)	$-330,000	8,318
Applicable income taxes	$223,000	3,736
Income before extraordinary items	$876,000	4,600
Extraordinary gains, net	$0	39
Net income	$876,000	4,600
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$204,000	2,834
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,140,000	4,032
2007-09-30 (YTD Data)		Rank
Total interest income	$14,170,000	2,185
Total interest expense	$7,646,000	1,922
Net interest income	$6,524,000	2,549
Provision for loan and lease losses	$275,000	2,431
Total noninterest income	$1,652,000	2,067
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$625,000	2,035
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,027,000	1,799
Total noninterest expense	$6,667,000	2,049
Salaries and employee benefits	$3,493,000	2,158
Premises and equipment expense	$812,000	2,379
Additional noninterest expense	$2,362,000	1,717
Pre-tax net operating income	$1,234,000	3,878
Securities gains (losses)	$-563,000	8,466
Applicable income taxes	$237,000	3,485
Income before extraordinary items	$434,000	5,655
Extraordinary gains, net	$0	33
Net income	$434,000	5,652
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$146,000	2,343
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$799,950	4,344
2007-06-30 (YTD Data)		Rank
Total interest income	$9,338,000	2,229
Total interest expense	$5,163,000	1,909
Net interest income	$4,175,000	2,658
Provision for loan and lease losses	$195,000	2,206
Total noninterest income	$1,082,000	2,113
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$407,000	2,081
Trading account gains and fees	$0	168
Additional Noninterest Income	$675,000	1,827
Total noninterest expense	$4,426,000	2,077
Salaries and employee benefits	$2,328,000	2,204
Premises and equipment expense	$540,000	2,392
Additional noninterest expense	$1,558,000	1,748
Pre-tax net operating income	$636,000	4,517
Securities gains (losses)	$-563,000	8,538
Applicable income taxes	$28,000	5,160
Income before extraordinary items	$45,000	7,521
Extraordinary gains, net	$0	29
Net income	$45,000	7,520
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	1,934
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$405,320	5,044
2007-03-31 (YTD Data)		Rank
Total interest income	$4,591,000	2,263
Total interest expense	$2,323,000	2,056
Net interest income	$2,268,000	2,484
Provision for loan and lease losses	$110,000	1,886
Total noninterest income	$507,000	2,194
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$191,000	2,128
Trading account gains and fees	$0	195
Additional Noninterest Income	$316,000	1,879
Total noninterest expense	$2,159,000	2,144
Salaries and employee benefits	$1,166,000	2,210
Premises and equipment expense	$265,000	2,455
Additional noninterest expense	$728,000	1,841
Pre-tax net operating income	$506,000	3,503
Securities gains (losses)	$0	1,187
Applicable income taxes	$203,000	2,380
Income before extraordinary items	$303,000	4,146
Extraordinary gains, net	$0	22
Net income	$303,000	4,147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	1,813
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$303,000	4,125
2006-12-31 (YTD Data)		Rank
Total interest income	$17,418,000	2,243
Total interest expense	$8,542,000	1,932
Net interest income	$8,876,000	2,541
Provision for loan and lease losses	$312,000	2,695
Total noninterest income	$2,145,000	2,118
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$660,000	2,490
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,485,000	1,680
Total noninterest expense	$8,849,000	1,991
Salaries and employee benefits	$4,653,000	2,100
Premises and equipment expense	$1,117,000	2,227
Additional noninterest expense	$3,079,000	1,719
Pre-tax net operating income	$1,860,000	3,809
Securities gains (losses)	$0	1,687
Applicable income taxes	$532,000	3,074
Income before extraordinary items	$1,328,000	4,046
Extraordinary gains, net	$0	51
Net income	$1,328,000	4,046
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	3,131
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,328,000	4,023
2006-09-30 (YTD Data)		Rank
Total interest income	$12,819,000	2,272
Total interest expense	$6,185,000	1,936
Net interest income	$6,634,000	2,578
Provision for loan and lease losses	$277,000	2,288
Total noninterest income	$1,568,000	2,161
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$473,000	2,593
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,095,000	1,698
Total noninterest expense	$6,151,000	2,158
Salaries and employee benefits	$3,105,000	2,373
Premises and equipment expense	$765,000	2,430
Additional noninterest expense	$2,281,000	1,720
Pre-tax net operating income	$1,774,000	3,378
Securities gains (losses)	$0	1,388
Applicable income taxes	$575,000	2,661
Income before extraordinary items	$1,199,000	3,748
Extraordinary gains, net	$0	45
Net income	$1,199,000	3,750
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	2,609
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,199,000	3,725
2006-06-30 (YTD Data)		Rank
Total interest income	$8,394,000	2,269
Total interest expense	$3,985,000	1,915
Net interest income	$4,409,000	2,592
Provision for loan and lease losses	$213,000	2,003
Total noninterest income	$988,000	2,245
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$296,000	2,688
Trading account gains and fees	$0	126
Additional Noninterest Income	$692,000	1,779
Total noninterest expense	$4,177,000	2,115
Salaries and employee benefits	$2,101,000	2,341
Premises and equipment expense	$509,000	2,428
Additional noninterest expense	$1,567,000	1,688
Pre-tax net operating income	$1,007,000	3,784
Securities gains (losses)	$0	1,185
Applicable income taxes	$315,000	2,975
Income before extraordinary items	$692,000	4,103
Extraordinary gains, net	$0	39
Net income	$692,000	4,107
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	2,198
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$692,000	4,088
2006-03-31 (YTD Data)		Rank
Total interest income	$4,055,000	2,294
Total interest expense	$1,888,000	1,923
Net interest income	$2,167,000	2,610
Provision for loan and lease losses	$87,000	2,254
Total noninterest income	$430,000	2,433
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$140,000	2,745
Trading account gains and fees	$0	115
Additional Noninterest Income	$290,000	1,995
Total noninterest expense	$1,971,000	2,254
Salaries and employee benefits	$1,063,000	2,315
Premises and equipment expense	$263,000	2,370
Additional noninterest expense	$645,000	2,020
Pre-tax net operating income	$539,000	3,571
Securities gains (losses)	$0	955
Applicable income taxes	$188,000	2,696
Income before extraordinary items	$351,000	4,015
Extraordinary gains, net	$0	21
Net income	$351,000	4,015
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	2,876
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$351,000	3,998
2005-12-31 (YTD Data)		Rank
Total interest income	$15,199,000	2,187
Total interest expense	$6,181,000	1,837
Net interest income	$9,018,000	2,434
Provision for loan and lease losses	$668,000	1,495
Total noninterest income	$1,856,000	2,337
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$545,000	2,872
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,311,000	1,836
Total noninterest expense	$8,883,000	1,899
Salaries and employee benefits	$5,064,000	1,836
Premises and equipment expense	$1,018,000	2,328
Additional noninterest expense	$2,801,000	1,802
Pre-tax net operating income	$1,323,000	4,678
Securities gains (losses)	$0	2,296
Applicable income taxes	$389,000	3,738
Income before extraordinary items	$934,000	4,990
Extraordinary gains, net	$0	46
Net income	$934,000	4,992
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,114,000	618
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$934,000	4,962
2005-09-30 (YTD Data)		Rank
Total interest income	$11,155,000	2,175
Total interest expense	$4,379,000	1,828
Net interest income	$6,776,000	2,416
Provision for loan and lease losses	$408,000	1,693
Total noninterest income	$1,365,000	2,363
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$402,000	2,904
Trading account gains and fees	$0	126
Additional Noninterest Income	$963,000	1,871
Total noninterest expense	$6,607,000	1,902
Salaries and employee benefits	$3,762,000	1,841
Premises and equipment expense	$770,000	2,299
Additional noninterest expense	$2,075,000	1,801
Pre-tax net operating income	$1,126,000	4,481
Securities gains (losses)	$0	2,317
Applicable income taxes	$387,000	3,383
Income before extraordinary items	$739,000	4,952
Extraordinary gains, net	$0	35
Net income	$739,000	4,953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$619,000	705
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$739,000	4,909
2005-06-30 (YTD Data)		Rank
Total interest income	$7,325,000	2,151
Total interest expense	$2,798,000	1,799
Net interest income	$4,527,000	2,386
Provision for loan and lease losses	$380,000	1,233
Total noninterest income	$853,000	2,437
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$248,000	3,024
Trading account gains and fees	$0	116
Additional Noninterest Income	$605,000	1,916
Total noninterest expense	$3,903,000	2,097
Salaries and employee benefits	$2,022,000	2,235
Premises and equipment expense	$513,000	2,281
Additional noninterest expense	$1,368,000	1,808
Pre-tax net operating income	$1,097,000	3,475
Securities gains (losses)	$0	2,146
Applicable income taxes	$371,000	2,730
Income before extraordinary items	$726,000	3,888
Extraordinary gains, net	$0	30
Net income	$726,000	3,890
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$580,000	534
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$726,000	3,830
2005-03-31 (YTD Data)		Rank
Total interest income	$3,583,000	2,164
Total interest expense	$1,333,000	1,791
Net interest income	$2,250,000	2,386
Provision for loan and lease losses	$188,000	1,182
Total noninterest income	$373,000	2,626
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$115,000	3,135
Trading account gains and fees	$0	115
Additional Noninterest Income	$258,000	2,107
Total noninterest expense	$1,907,000	2,167
Salaries and employee benefits	$1,060,000	2,150
Premises and equipment expense	$250,000	2,355
Additional noninterest expense	$597,000	2,059
Pre-tax net operating income	$528,000	3,527
Securities gains (losses)	$0	1,685
Applicable income taxes	$175,000	2,812
Income before extraordinary items	$353,000	3,939
Extraordinary gains, net	$0	24
Net income	$353,000	3,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	1,543
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$353,000	3,891
2004-12-31 (YTD Data)		Rank
Total interest income	$13,620,000	2,100
Total interest expense	$4,980,000	1,645
Net interest income	$8,640,000	2,367
Provision for loan and lease losses	$141,000	4,364
Total noninterest income	$1,709,000	2,456
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$372,000	3,803
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,337,000	1,773
Total noninterest expense	$8,035,000	2,001
Salaries and employee benefits	$4,583,000	1,907
Premises and equipment expense	$886,000	2,556
Additional noninterest expense	$2,566,000	1,895
Pre-tax net operating income	$2,170,000	3,333
Securities gains (losses)	$46,000	1,813
Applicable income taxes	$702,000	2,756
Income before extraordinary items	$1,517,000	3,605
Extraordinary gains, net	$0	34
Net income	$1,517,000	3,606
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,000	3,385
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,485,720	3,608
2004-09-30 (YTD Data)		Rank
Total interest income	$10,064,000	2,104
Total interest expense	$3,667,000	1,644
Net interest income	$6,397,000	2,365
Provision for loan and lease losses	$100,000	4,260
Total noninterest income	$1,348,000	2,376
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$271,000	3,905
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,077,000	1,680
Total noninterest expense	$5,602,000	2,130
Salaries and employee benefits	$3,096,000	2,107
Premises and equipment expense	$704,000	2,407
Additional noninterest expense	$1,802,000	1,997
Pre-tax net operating income	$2,043,000	2,823
Securities gains (losses)	$46,000	1,731
Applicable income taxes	$720,000	2,261
Income before extraordinary items	$1,369,000	3,206
Extraordinary gains, net	$0	26
Net income	$1,369,000	3,207
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,000	2,568
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,338,640	3,178
2004-06-30 (YTD Data)		Rank
Total interest income	$6,633,000	2,110
Total interest expense	$2,414,000	1,647
Net interest income	$4,219,000	2,369
Provision for loan and lease losses	$93,000	3,603
Total noninterest income	$872,000	2,439
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$179,000	3,927
Trading account gains and fees	$0	130
Additional Noninterest Income	$693,000	1,730
Total noninterest expense	$3,753,000	2,129
Salaries and employee benefits	$2,089,000	2,095
Premises and equipment expense	$478,000	2,378
Additional noninterest expense	$1,186,000	2,023
Pre-tax net operating income	$1,245,000	3,022
Securities gains (losses)	$25,000	1,902
Applicable income taxes	$428,000	2,442
Income before extraordinary items	$842,000	3,395
Extraordinary gains, net	$0	21
Net income	$842,000	3,395
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	2,235
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$825,500	3,357
2004-03-31 (YTD Data)		Rank
Total interest income	$3,251,000	2,150
Total interest expense	$1,167,000	1,725
Net interest income	$2,084,000	2,396
Provision for loan and lease losses	$23,000	4,653
Total noninterest income	$442,000	2,377
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$86,000	3,952
Trading account gains and fees	$0	121
Additional Noninterest Income	$356,000	1,666
Total noninterest expense	$1,899,000	2,106
Salaries and employee benefits	$1,090,000	2,020
Premises and equipment expense	$241,000	2,392
Additional noninterest expense	$568,000	2,085
Pre-tax net operating income	$604,000	3,068
Securities gains (losses)	$31,000	1,473
Applicable income taxes	$205,000	2,536
Income before extraordinary items	$430,000	3,316
Extraordinary gains, net	$0	16
Net income	$430,000	3,315
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	2,425
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$408,920	3,335
2003-12-31 (YTD Data)		Rank
Total interest income	$13,009,000	2,192
Total interest expense	$4,997,000	1,790
Net interest income	$8,012,000	2,428
Provision for loan and lease losses	$601,000	1,834
Total noninterest income	$2,765,000	1,797
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$342,000	4,011
Trading account gains and fees	$0	160
Additional Noninterest Income	$2,423,000	1,259
Total noninterest expense	$7,914,000	1,998
Salaries and employee benefits	$3,888,000	2,188
Premises and equipment expense	$790,000	2,796
Additional noninterest expense	$3,236,000	1,526
Pre-tax net operating income	$2,262,000	3,105
Securities gains (losses)	$11,000	3,560
Applicable income taxes	$882,000	2,356
Income before extraordinary items	$1,391,000	3,746
Extraordinary gains, net	$0	54
Net income	$1,391,000	3,746
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$163,000	3,209
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,383,960	3,607
2003-09-30 (YTD Data)		Rank
Total interest income	$9,750,000	2,237
Total interest expense	$3,806,000	1,835
Net interest income	$5,944,000	2,461
Provision for loan and lease losses	$493,000	1,687
Total noninterest income	$2,417,000	1,632
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$248,000	4,112
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,169,000	1,167
Total noninterest expense	$5,329,000	2,209
Salaries and employee benefits	$2,715,000	2,334
Premises and equipment expense	$591,000	2,818
Additional noninterest expense	$2,023,000	1,788
Pre-tax net operating income	$2,539,000	2,353
Securities gains (losses)	$0	4,204
Applicable income taxes	$955,000	1,926
Income before extraordinary items	$1,584,000	2,845
Extraordinary gains, net	$0	40
Net income	$1,584,000	2,845
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$134,000	2,780
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,584,000	2,703
2003-06-30 (YTD Data)		Rank
Total interest income	$6,592,000	2,215
Total interest expense	$2,659,000	1,809
Net interest income	$3,933,000	2,473
Provision for loan and lease losses	$325,000	1,685
Total noninterest income	$1,806,000	1,483
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$155,000	4,203
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,651,000	1,051
Total noninterest expense	$3,577,000	2,199
Salaries and employee benefits	$1,877,000	2,255
Premises and equipment expense	$385,000	2,865
Additional noninterest expense	$1,315,000	1,837
Pre-tax net operating income	$1,837,000	2,194
Securities gains (losses)	$0	3,782
Applicable income taxes	$668,000	1,885
Income before extraordinary items	$1,169,000	2,638
Extraordinary gains, net	$0	30
Net income	$1,169,000	2,636
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	2,386
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,169,000	2,489
2003-03-31 (YTD Data)		Rank
Total interest income	$3,328,000	2,204
Total interest expense	$1,398,000	1,779
Net interest income	$1,930,000	2,515
Provision for loan and lease losses	$190,000	1,428
Total noninterest income	$785,000	1,607
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$70,000	4,383
Trading account gains and fees	$0	134
Additional Noninterest Income	$715,000	1,148
Total noninterest expense	$1,673,000	2,325
Salaries and employee benefits	$934,000	2,250
Premises and equipment expense	$194,000	2,827
Additional noninterest expense	$545,000	2,156
Pre-tax net operating income	$852,000	2,342
Securities gains (losses)	$0	2,891
Applicable income taxes	$323,000	1,950
Income before extraordinary items	$529,000	2,828
Extraordinary gains, net	$0	21
Net income	$529,000	2,826
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	2,229
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$529,000	2,684
2002-12-31 (YTD Data)		Rank
Total interest income	$14,216,000	2,162
Total interest expense	$6,702,000	1,706
Net interest income	$7,514,000	2,546
Provision for loan and lease losses	$369,000	3,008
Total noninterest income	$2,360,000	1,874
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$264,000	4,558
Trading account gains and fees	$35,000	120
Additional Noninterest Income	$2,061,000	1,279
Total noninterest expense	$6,899,000	2,175
Salaries and employee benefits	$3,786,000	2,108
Premises and equipment expense	$748,000	2,834
Additional noninterest expense	$2,365,000	1,962
Pre-tax net operating income	$2,606,000	2,802
Securities gains (losses)	$61,000	2,221
Applicable income taxes	$926,000	2,340
Income before extraordinary items	$1,741,000	3,115
Extraordinary gains, net	$0	70
Net income	$1,741,000	3,114
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	4,694
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,701,350	3,072
2001-12-31 (YTD Data)		Rank
Total interest income	$16,925,000	2,024
Total interest expense	$9,556,000	1,703
Net interest income	$7,369,000	2,431
Provision for loan and lease losses	$745,000	1,589
Total noninterest income	$3,624,000	1,276
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$204,000	5,117
Trading account gains and fees	$0	177
Additional Noninterest Income	$3,420,000	858
Total noninterest expense	$6,384,000	2,242
Salaries and employee benefits	$3,499,000	2,148
Premises and equipment expense	$534,000	3,687
Additional noninterest expense	$2,351,000	1,915
Pre-tax net operating income	$3,864,000	1,821
Securities gains (losses)	$149,000	1,415
Applicable income taxes	$1,387,000	1,613
Income before extraordinary items	$2,626,000	1,996
Extraordinary gains, net	$0	105
Net income	$2,626,000	1,999
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,000	3,134
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,529,150	1,990
2000-12-31 (YTD Data)		Rank
Total interest income	$17,453,000	2,019
Total interest expense	$10,443,000	1,644
Net interest income	$7,010,000	2,540
Provision for loan and lease losses	$388,000	2,334
Total noninterest income	$908,000	3,370
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$124,000	6,161
Trading account gains and fees	$42,000	145
Additional Noninterest Income	$742,000	2,259
Total noninterest expense	$5,855,000	2,331
Salaries and employee benefits	$2,945,000	2,433
Premises and equipment expense	$488,000	3,862
Additional noninterest expense	$2,422,000	1,825
Pre-tax net operating income	$1,675,000	3,762
Securities gains (losses)	$299,000	344
Applicable income taxes	$433,000	3,818
Income before extraordinary items	$1,541,000	3,183
Extraordinary gains, net	$0	38
Net income	$1,541,000	3,181
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,380
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,307,780	3,604
1999-12-31 (YTD Data)		Rank
Total interest income	$15,499,000	2,102
Total interest expense	$8,815,000	1,697
Net interest income	$6,684,000	2,622
Provision for loan and lease losses	$108,000	5,075
Total noninterest income	$697,000	4,012
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$104,000	6,628
Trading account gains and fees	$-301,000	4,547
Additional Noninterest Income	$894,000	2,010
Total noninterest expense	$7,129,000	1,922
Salaries and employee benefits	$2,774,000	2,530
Premises and equipment expense	$674,000	2,955
Additional noninterest expense	$3,681,000	1,252
Pre-tax net operating income	$144,000	8,835
Securities gains (losses)	$150,000	612
Applicable income taxes	$109,000	6,807
Income before extraordinary items	$185,000	8,399
Extraordinary gains, net	$0	35
Net income	$185,000	8,399
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,000	3,068
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$89,000	9,005
1998-12-31 (YTD Data)		Rank
Total interest income	$14,822,000	2,206
Total interest expense	$8,501,000	1,795
Net interest income	$6,321,000	2,715
Provision for loan and lease losses	$36,000	7,078
Total noninterest income	$1,509,000	2,256
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$84,000	7,177
Trading account gains and fees	$889,000	98
Additional Noninterest Income	$536,000	2,856
Total noninterest expense	$5,081,000	2,560
Salaries and employee benefits	$2,688,000	2,513
Premises and equipment expense	$612,000	3,109
Additional noninterest expense	$1,781,000	2,347
Pre-tax net operating income	$2,713,000	2,597
Securities gains (losses)	$704,000	463
Applicable income taxes	$1,214,000	1,975
Income before extraordinary items	$2,203,000	2,342
Extraordinary gains, net	$0	32
Net income	$2,203,000	2,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	3,781
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,752,440	2,769
1997-12-31 (YTD Data)		Rank
Total interest income	$13,742,000	2,376
Total interest expense	$7,629,000	2,014
Net interest income	$6,113,000	2,851
Provision for loan and lease losses	$36,000	7,137
Total noninterest income	$442,000	5,391
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$62,000	8,090
Trading account gains and fees	$0	239
Additional Noninterest Income	$380,000	3,400
Total noninterest expense	$4,526,000	2,801
Salaries and employee benefits	$2,539,000	2,603
Premises and equipment expense	$529,000	3,526
Additional noninterest expense	$1,458,000	2,803
Pre-tax net operating income	$1,993,000	3,545
Securities gains (losses)	$548,000	409
Applicable income taxes	$842,000	2,816
Income before extraordinary items	$1,699,000	2,998
Extraordinary gains, net	$0	44
Net income	$1,699,000	2,997
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	4,696
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,331,840	3,644
1996-12-31 (YTD Data)		Rank
Total interest income	$11,436,000	2,891
Total interest expense	$6,428,000	2,400
Net interest income	$5,008,000	3,528
Provision for loan and lease losses	$0	9,041
Total noninterest income	$311,000	6,812
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$48,000	8,902
Trading account gains and fees	$0	262
Additional Noninterest Income	$263,000	4,407
Total noninterest expense	$5,051,000	2,713
Salaries and employee benefits	$2,198,000	3,041
Premises and equipment expense	$486,000	3,863
Additional noninterest expense	$2,367,000	2,109
Pre-tax net operating income	$268,000	9,348
Securities gains (losses)	$555,000	395
Applicable income taxes	$251,000	6,439
Income before extraordinary items	$572,000	6,446
Extraordinary gains, net	$0	53
Net income	$572,000	6,449
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	4,297
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$183,500	9,405
1995-12-31 (YTD Data)		Rank
Total interest income	$10,266,000	3,216
Total interest expense	$5,877,000	2,609
Net interest income	$4,389,000	3,995
Provision for loan and lease losses	$0	8,958
Total noninterest income	$290,000	7,186
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$41,000	9,495
Trading account gains and fees	$0	522
Additional Noninterest Income	$249,000	4,490
Total noninterest expense	$3,734,000	3,529
Salaries and employee benefits	$1,881,000	3,508
Premises and equipment expense	$370,000	4,828
Additional noninterest expense	$1,483,000	3,114
Pre-tax net operating income	$945,000	6,216
Securities gains (losses)	$264,000	563
Applicable income taxes	$356,000	5,372
Income before extraordinary items	$853,000	5,206
Extraordinary gains, net	$0	65
Net income	$853,000	5,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	3,529
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$665,560	6,184
1994-12-31 (YTD Data)		Rank
Total interest income	$9,223,000	3,269
Total interest expense	$4,950,000	2,484
Net interest income	$4,273,000	4,114
Provision for loan and lease losses	$27,000	7,330
Total noninterest income	$124,000	10,218
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$29,000	10,344
Trading account gains and fees	$0	475
Additional Noninterest Income	$95,000	7,669
Total noninterest expense	$3,588,000	3,766
Salaries and employee benefits	$1,873,000	3,482
Premises and equipment expense	$417,000	4,424
Additional noninterest expense	$1,298,000	3,773
Pre-tax net operating income	$782,000	6,962
Securities gains (losses)	$296,000	389
Applicable income taxes	$311,000	5,743
Income before extraordinary items	$767,000	5,516
Extraordinary gains, net	$0	249
Net income	$767,000	5,532
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$556,840	6,908
1993-12-31 (YTD Data)		Rank
Total interest income	$10,045,000	3,073
Total interest expense	$5,348,000	2,419
Net interest income	$4,697,000	3,784
Provision for loan and lease losses	$43,000	7,841
Total noninterest income	$137,000	10,480
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$23,000	10,936
Trading account gains and fees	$0	532
Additional Noninterest Income	$114,000	7,477
Total noninterest expense	$3,360,000	4,064
Salaries and employee benefits	$1,787,000	3,630
Premises and equipment expense	$312,000	5,663
Additional noninterest expense	$1,261,000	4,015
Pre-tax net operating income	$1,431,000	4,505
Securities gains (losses)	$140,000	2,061
Applicable income taxes	$519,000	4,053
Income before extraordinary items	$1,052,000	4,501
Extraordinary gains, net	$0	3,149
Net income	$1,052,000	4,626
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	8,917
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$958,200	4,613
1992-12-31 (YTD Data)		Rank
Total interest income	$11,569,000	3,042
Total interest expense	$6,580,000	2,566
Net interest income	$4,989,000	3,641
Provision for loan and lease losses	$527,000	2,886
Total noninterest income	$150,000	10,494
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$16,000	11,465
Trading account gains and fees	$0	504
Additional Noninterest Income	$134,000	7,060
Total noninterest expense	$3,322,000	4,135
Salaries and employee benefits	$1,703,000	3,763
Premises and equipment expense	$362,000	5,215
Additional noninterest expense	$1,257,000	4,163
Pre-tax net operating income	$1,290,000	4,638
Securities gains (losses)	$283,000	1,591
Applicable income taxes	$796,000	2,632
Income before extraordinary items	$777,000	5,477
Extraordinary gains, net	$0	1,422
Net income	$777,000	5,540
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$595,880	6,251

* 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.