Home > Athens Federal Community Bank > Income and Expense

Athens Federal Community Bank, Income and Expense

2018-09-30 (YTD Data)		Rank
Total interest income	$16,146,000	1,337
Total interest expense	$1,439,000	1,922
Net interest income	$14,707,000	1,264
Provision for loan and lease losses	$146,000	2,298
Total noninterest income	$4,489,000	984
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,899,000	504
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,590,000	1,039
Total noninterest expense	$15,874,000	1,017
Salaries and employee benefits	$10,237,000	911
Premises and equipment expense	$1,245,000	1,376
Additional noninterest expense	$4,392,000	1,097
Pre-tax net operating income	$3,176,000	2,043
Securities gains (losses)	$0	1,118
Applicable income taxes	$740,000	1,445
Income before extraordinary items	$2,436,000	2,214
Extraordinary gains, net	$0	5
Net income	$2,436,000	2,212
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,436,000	2,213
Net charge-offs	$68,000	2,001
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,436,000	2,213
2018-06-30 (YTD Data)		Rank
Total interest income	$10,683,000	1,339
Total interest expense	$945,000	1,856
Net interest income	$9,738,000	1,274
Provision for loan and lease losses	$90,000	2,265
Total noninterest income	$2,888,000	1,003
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$1,235,000	518
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,653,000	1,076
Total noninterest expense	$7,987,000	1,269
Salaries and employee benefits	$4,056,000	1,406
Premises and equipment expense	$809,000	1,420
Additional noninterest expense	$3,122,000	1,045
Pre-tax net operating income	$4,549,000	1,104
Securities gains (losses)	$0	961
Applicable income taxes	$1,076,000	839
Income before extraordinary items	$3,473,000	1,192
Extraordinary gains, net	$0	6
Net income	$3,473,000	1,191
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,473,000	1,191
Net charge-offs	$32,000	2,002
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$3,473,000	1,188
2018-03-31 (YTD Data)		Rank
Total interest income	$5,139,000	1,361
Total interest expense	$459,000	1,824
Net interest income	$4,680,000	1,303
Provision for loan and lease losses	$26,000	2,649
Total noninterest income	$1,379,000	1,024
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$593,000	535
Trading account gains and fees	NA	NA
Additional Noninterest Income	$786,000	1,101
Total noninterest expense	$3,911,000	1,296
Salaries and employee benefits	$2,020,000	1,417
Premises and equipment expense	$388,000	1,492
Additional noninterest expense	$1,503,000	1,077
Pre-tax net operating income	$2,122,000	1,145
Securities gains (losses)	$0	735
Applicable income taxes	$499,000	872
Income before extraordinary items	$1,623,000	1,248
Extraordinary gains, net	$0	7
Net income	$1,623,000	1,248
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,623,000	1,248
Net charge-offs	$15,000	1,795
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,623,000	1,236
2017-12-31 (YTD Data)		Rank
Total interest income	$18,692,000	1,435
Total interest expense	$1,804,000	1,665
Net interest income	$16,888,000	1,389
Provision for loan and lease losses	$18,000	3,984
Total noninterest income	$5,885,000	996
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$2,346,000	550
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,539,000	1,038
Total noninterest expense	$15,684,000	1,266
Salaries and employee benefits	$8,577,000	1,315
Premises and equipment expense	$1,556,000	1,472
Additional noninterest expense	$5,551,000	1,145
Pre-tax net operating income	$7,071,000	1,304
Securities gains (losses)	$0	2,243
Applicable income taxes	$2,661,000	1,051
Income before extraordinary items	$4,410,000	1,491
Extraordinary gains, net	$0	9
Net income	$4,410,000	1,491
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,410,000	1,491
Net charge-offs	$206,000	1,804
Cash dividends	$7,530,000	468
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$4,410,000	1,481
2017-09-30 (YTD Data)		Rank
Total interest income	$13,721,000	1,458
Total interest expense	$1,340,000	1,657
Net interest income	$12,381,000	1,417
Provision for loan and lease losses	$327,000	1,536
Total noninterest income	$4,477,000	997
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$1,772,000	545
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,705,000	1,053
Total noninterest expense	$11,402,000	1,302
Salaries and employee benefits	$5,766,000	1,457
Premises and equipment expense	$1,165,000	1,479
Additional noninterest expense	$4,471,000	1,082
Pre-tax net operating income	$5,129,000	1,346
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,770,000	1,002
Income before extraordinary items	$3,359,000	1,576
Extraordinary gains, net	$0	9
Net income	$3,359,000	1,575
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,359,000	1,576
Net charge-offs	$144,000	1,641
Cash dividends	$3,607,000	662
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,359,000	1,554
2017-06-30 (YTD Data)		Rank
Total interest income	$8,962,000	1,477
Total interest expense	$886,000	1,628
Net interest income	$8,076,000	1,437
Provision for loan and lease losses	$276,000	1,288
Total noninterest income	$3,070,000	969
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$1,164,000	547
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,906,000	1,005
Total noninterest expense	$7,546,000	1,317
Salaries and employee benefits	$3,843,000	1,463
Premises and equipment expense	$783,000	1,467
Additional noninterest expense	$2,920,000	1,109
Pre-tax net operating income	$3,324,000	1,353
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,167,000	994
Income before extraordinary items	$2,157,000	1,599
Extraordinary gains, net	$0	11
Net income	$2,157,000	1,599
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,157,000	1,599
Net charge-offs	$101,000	1,510
Cash dividends	$3,607,000	469
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,157,000	1,578
2017-03-31 (YTD Data)		Rank
Total interest income	$4,344,000	1,503
Total interest expense	$437,000	1,627
Net interest income	$3,907,000	1,482
Provision for loan and lease losses	$181,000	994
Total noninterest income	$1,771,000	877
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$558,000	567
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,213,000	832
Total noninterest expense	$3,762,000	1,331
Salaries and employee benefits	$1,915,000	1,488
Premises and equipment expense	$393,000	1,490
Additional noninterest expense	$1,454,000	1,098
Pre-tax net operating income	$1,735,000	1,311
Securities gains (losses)	$0	1,153
Applicable income taxes	$617,000	941
Income before extraordinary items	$1,118,000	1,539
Extraordinary gains, net	$0	8
Net income	$1,118,000	1,539
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,118,000	1,539
Net charge-offs	$47,000	1,374
Cash dividends	$3,607,000	251
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,118,000	1,522
2016-12-31 (YTD Data)		Rank
Total interest income	$17,118,000	1,487
Total interest expense	$1,634,000	1,681
Net interest income	$15,484,000	1,456
Provision for loan and lease losses	$312,000	1,950
Total noninterest income	$5,503,000	1,071
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$2,167,000	600
Trading account gains and fees	$0	170
Additional Noninterest Income	$3,336,000	1,124
Total noninterest expense	$15,491,000	1,297
Salaries and employee benefits	$8,169,000	1,347
Premises and equipment expense	$1,508,000	1,513
Additional noninterest expense	$5,814,000	1,125
Pre-tax net operating income	$5,184,000	1,580
Securities gains (losses)	$0	3,212
Applicable income taxes	$1,785,000	1,136
Income before extraordinary items	$3,399,000	1,896
Extraordinary gains, net	$0	5
Net income	$3,399,000	1,895
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,399,000	1,895
Net charge-offs	$140,000	2,294
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,399,000	1,850
2016-09-30 (YTD Data)		Rank
Total interest income	$12,477,000	1,523
Total interest expense	$1,193,000	1,722
Net interest income	$11,284,000	1,490
Provision for loan and lease losses	$273,000	1,724
Total noninterest income	$4,016,000	1,093
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,614,000	607
Trading account gains and fees	$0	169
Additional Noninterest Income	$2,402,000	1,156
Total noninterest expense	$11,072,000	1,336
Salaries and employee benefits	$5,475,000	1,486
Premises and equipment expense	$1,019,000	1,669
Additional noninterest expense	$4,578,000	1,079
Pre-tax net operating income	$3,955,000	1,570
Securities gains (losses)	$0	3,160
Applicable income taxes	$1,373,000	1,152
Income before extraordinary items	$2,582,000	1,893
Extraordinary gains, net	$0	5
Net income	$2,582,000	1,893
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,582,000	1,893
Net charge-offs	$114,000	1,957
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,582,000	1,841
2016-06-30 (YTD Data)		Rank
Total interest income	$8,040,000	1,576
Total interest expense	$757,000	1,801
Net interest income	$7,283,000	1,540
Provision for loan and lease losses	$180,000	1,722
Total noninterest income	$2,610,000	1,096
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$1,055,000	604
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,555,000	1,159
Total noninterest expense	$7,439,000	1,340
Salaries and employee benefits	$3,615,000	1,511
Premises and equipment expense	$625,000	1,793
Additional noninterest expense	$3,199,000	1,023
Pre-tax net operating income	$2,274,000	1,767
Securities gains (losses)	$0	2,835
Applicable income taxes	$771,000	1,274
Income before extraordinary items	$1,503,000	2,117
Extraordinary gains, net	$0	16
Net income	$1,503,000	2,117
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,503,000	2,117
Net charge-offs	$241,000	1,008
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,503,000	2,054
2016-03-31 (YTD Data)		Rank
Total interest income	$3,812,000	1,663
Total interest expense	$331,000	1,988
Net interest income	$3,481,000	1,617
Provision for loan and lease losses	$21,000	2,849
Total noninterest income	$1,183,000	1,153
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$482,000	659
Trading account gains and fees	$0	142
Additional Noninterest Income	$701,000	1,210
Total noninterest expense	$3,407,000	1,440
Salaries and employee benefits	$1,723,000	1,584
Premises and equipment expense	$288,000	1,940
Additional noninterest expense	$1,396,000	1,153
Pre-tax net operating income	$1,236,000	1,628
Securities gains (losses)	$0	2,077
Applicable income taxes	$424,000	1,191
Income before extraordinary items	$812,000	1,969
Extraordinary gains, net	$0	12
Net income	$812,000	1,969
Minority interest net income	$0	62
Net income of bank and minority interests.	$812,000	1,969
Net charge-offs	$21,000	1,949
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$812,000	1,915
2015-12-31 (YTD Data)		Rank
Total interest income	$14,635,000	1,690
Total interest expense	$1,467,000	1,811
Net interest income	$13,168,000	1,661
Provision for loan and lease losses	$304,000	1,881
Total noninterest income	$4,797,000	1,153
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$2,017,000	650
Trading account gains and fees	$0	159
Additional Noninterest Income	$2,780,000	1,220
Total noninterest expense	$12,937,000	1,504
Salaries and employee benefits	$7,477,000	1,432
Premises and equipment expense	$1,190,000	1,908
Additional noninterest expense	$4,270,000	1,446
Pre-tax net operating income	$4,724,000	1,642
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,606,000	1,183
Income before extraordinary items	$3,118,000	1,987
Extraordinary gains, net	$0	23
Net income	$3,118,000	1,988
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,118,000	1,989
Net charge-offs	$242,000	1,810
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,118,000	1,940
2015-09-30 (YTD Data)		Rank
Total interest income	$10,873,000	1,719
Total interest expense	$1,136,000	1,778
Net interest income	$9,737,000	1,701
Provision for loan and lease losses	$250,000	1,694
Total noninterest income	$3,596,000	1,166
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$1,507,000	654
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,089,000	1,245
Total noninterest expense	$9,505,000	1,536
Salaries and employee benefits	$5,267,000	1,519
Premises and equipment expense	$866,000	1,976
Additional noninterest expense	$3,372,000	1,386
Pre-tax net operating income	$3,578,000	1,656
Securities gains (losses)	$0	3,031
Applicable income taxes	$1,209,000	1,210
Income before extraordinary items	$2,369,000	1,977
Extraordinary gains, net	$0	21
Net income	$2,369,000	1,979
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,369,000	1,979
Net charge-offs	$278,000	1,263
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,369,000	1,941
2015-06-30 (YTD Data)		Rank
Total interest income	$7,204,000	1,730
Total interest expense	$810,000	1,698
Net interest income	$6,394,000	1,726
Provision for loan and lease losses	$202,000	1,479
Total noninterest income	$2,336,000	1,200
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$992,000	642
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,344,000	1,277
Total noninterest expense	$6,336,000	1,542
Salaries and employee benefits	$3,525,000	1,518
Premises and equipment expense	$570,000	1,997
Additional noninterest expense	$2,241,000	1,400
Pre-tax net operating income	$2,192,000	1,772
Securities gains (losses)	$0	2,636
Applicable income taxes	$736,000	1,296
Income before extraordinary items	$1,456,000	2,096
Extraordinary gains, net	$0	22
Net income	$1,456,000	2,098
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,456,000	2,098
Net charge-offs	$229,000	1,097
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,456,000	2,050
2015-03-31 (YTD Data)		Rank
Total interest income	$3,570,000	1,746
Total interest expense	$422,000	1,638
Net interest income	$3,148,000	1,744
Provision for loan and lease losses	$106,000	1,376
Total noninterest income	$1,091,000	1,211
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$472,000	660
Trading account gains and fees	$0	152
Additional Noninterest Income	$619,000	1,300
Total noninterest expense	$3,166,000	1,533
Salaries and employee benefits	$1,771,000	1,521
Premises and equipment expense	$285,000	2,027
Additional noninterest expense	$1,110,000	1,391
Pre-tax net operating income	$967,000	1,909
Securities gains (losses)	$0	2,027
Applicable income taxes	$315,000	1,395
Income before extraordinary items	$652,000	2,258
Extraordinary gains, net	$0	13
Net income	$652,000	2,259
Minority interest net income	$0	64
Net income of bank and minority interests.	$652,000	2,259
Net charge-offs	$226,000	664
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$652,000	2,194
2014-12-31 (YTD Data)		Rank
Total interest income	$14,372,000	1,747
Total interest expense	$1,855,000	1,586
Net interest income	$12,517,000	1,752
Provision for loan and lease losses	$110,000	3,095
Total noninterest income	$4,465,000	1,185
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,958,000	694
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,507,000	1,247
Total noninterest expense	$12,446,000	1,533
Salaries and employee benefits	$7,030,000	1,482
Premises and equipment expense	$1,242,000	1,862
Additional noninterest expense	$4,174,000	1,501
Pre-tax net operating income	$4,426,000	1,702
Securities gains (losses)	$0	3,259
Applicable income taxes	$1,557,000	1,170
Income before extraordinary items	$2,869,000	2,089
Extraordinary gains, net	$0	17
Net income	$2,869,000	2,089
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,869,000	2,088
Net charge-offs	$627,000	1,256
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,869,000	2,044
2014-09-30 (YTD Data)		Rank
Total interest income	$10,736,000	1,764
Total interest expense	$1,415,000	1,578
Net interest income	$9,321,000	1,773
Provision for loan and lease losses	$85,000	3,003
Total noninterest income	$3,381,000	1,173
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$1,467,000	689
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,914,000	1,238
Total noninterest expense	$9,194,000	1,560
Salaries and employee benefits	$5,003,000	1,561
Premises and equipment expense	$943,000	1,854
Additional noninterest expense	$3,248,000	1,465
Pre-tax net operating income	$3,423,000	1,659
Securities gains (losses)	$0	2,980
Applicable income taxes	$1,229,000	1,134
Income before extraordinary items	$2,194,000	2,063
Extraordinary gains, net	$0	15
Net income	$2,194,000	2,062
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,194,000	2,061
Net charge-offs	$554,000	1,067
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,194,000	2,020
2014-06-30 (YTD Data)		Rank
Total interest income	$7,136,000	1,758
Total interest expense	$966,000	1,558
Net interest income	$6,170,000	1,773
Provision for loan and lease losses	$53,000	2,964
Total noninterest income	$2,184,000	1,203
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$956,000	692
Trading account gains and fees	$0	172
Additional Noninterest Income	$1,228,000	1,263
Total noninterest expense	$6,080,000	1,572
Salaries and employee benefits	$3,336,000	1,564
Premises and equipment expense	$635,000	1,850
Additional noninterest expense	$2,109,000	1,488
Pre-tax net operating income	$2,221,000	1,666
Securities gains (losses)	$0	2,580
Applicable income taxes	$802,000	1,126
Income before extraordinary items	$1,419,000	2,077
Extraordinary gains, net	$0	20
Net income	$1,419,000	2,081
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,419,000	2,080
Net charge-offs	$532,000	827
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,419,000	2,013
2014-03-31 (YTD Data)		Rank
Total interest income	$3,566,000	1,749
Total interest expense	$493,000	1,550
Net interest income	$3,073,000	1,769
Provision for loan and lease losses	$26,000	2,789
Total noninterest income	$1,073,000	1,177
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$465,000	699
Trading account gains and fees	$0	147
Additional Noninterest Income	$608,000	1,230
Total noninterest expense	$3,034,000	1,588
Salaries and employee benefits	$1,681,000	1,562
Premises and equipment expense	$324,000	1,854
Additional noninterest expense	$1,029,000	1,517
Pre-tax net operating income	$1,086,000	1,647
Securities gains (losses)	$0	1,715
Applicable income taxes	$370,000	1,141
Income before extraordinary items	$716,000	1,967
Extraordinary gains, net	$0	16
Net income	$716,000	1,970
Minority interest net income	$0	66
Net income of bank and minority interests.	$716,000	1,970
Net charge-offs	$68,000	1,622
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$716,000	1,925
2013-12-31 (YTD Data)		Rank
Total interest income	$14,269,000	1,748
Total interest expense	$2,212,000	1,541
Net interest income	$12,057,000	1,790
Provision for loan and lease losses	$316,000	2,379
Total noninterest income	$4,526,000	1,219
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,911,000	731
Trading account gains and fees	$0	184
Additional Noninterest Income	$2,615,000	1,258
Total noninterest expense	$12,580,000	1,536
Salaries and employee benefits	$7,023,000	1,480
Premises and equipment expense	$1,251,000	1,844
Additional noninterest expense	$4,306,000	1,534
Pre-tax net operating income	$3,687,000	1,832
Securities gains (losses)	$0	3,182
Applicable income taxes	$1,185,000	1,313
Income before extraordinary items	$2,502,000	2,192
Extraordinary gains, net	$0	29
Net income	$2,502,000	2,197
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,502,000	2,196
Net charge-offs	$359,000	2,369
Cash dividends	$10,000,000	328
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,502,000	2,141
2013-09-30 (YTD Data)		Rank
Total interest income	$10,706,000	1,756
Total interest expense	$1,688,000	1,557
Net interest income	$9,018,000	1,794
Provision for loan and lease losses	$282,000	2,151
Total noninterest income	$3,401,000	1,237
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$1,437,000	736
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,964,000	1,291
Total noninterest expense	$9,400,000	1,542
Salaries and employee benefits	$4,985,000	1,570
Premises and equipment expense	$887,000	1,953
Additional noninterest expense	$3,528,000	1,411
Pre-tax net operating income	$2,737,000	1,897
Securities gains (losses)	$0	3,040
Applicable income taxes	$881,000	1,363
Income before extraordinary items	$1,856,000	2,269
Extraordinary gains, net	$0	25
Net income	$1,856,000	2,274
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,856,000	2,274
Net charge-offs	$281,000	2,184
Cash dividends	$10,000,000	238
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,856,000	2,200
2013-06-30 (YTD Data)		Rank
Total interest income	$7,185,000	1,739
Total interest expense	$1,148,000	1,555
Net interest income	$6,037,000	1,773
Provision for loan and lease losses	$208,000	2,066
Total noninterest income	$2,330,000	1,223
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$940,000	734
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,390,000	1,258
Total noninterest expense	$6,201,000	1,554
Salaries and employee benefits	$3,356,000	1,548
Premises and equipment expense	$573,000	2,012
Additional noninterest expense	$2,272,000	1,439
Pre-tax net operating income	$1,958,000	1,755
Securities gains (losses)	$0	2,791
Applicable income taxes	$648,000	1,268
Income before extraordinary items	$1,310,000	2,149
Extraordinary gains, net	$0	22
Net income	$1,310,000	2,157
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,310,000	2,155
Net charge-offs	$166,000	2,281
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,310,000	2,066
2013-03-31 (YTD Data)		Rank
Total interest income	$3,659,000	1,728
Total interest expense	$589,000	1,565
Net interest income	$3,070,000	1,753
Provision for loan and lease losses	$135,000	1,793
Total noninterest income	$1,102,000	1,270
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$448,000	766
Trading account gains and fees	$0	148
Additional Noninterest Income	$654,000	1,310
Total noninterest expense	$3,112,000	1,570
Salaries and employee benefits	$1,692,000	1,551
Premises and equipment expense	$274,000	2,136
Additional noninterest expense	$1,146,000	1,422
Pre-tax net operating income	$925,000	1,828
Securities gains (losses)	$0	1,966
Applicable income taxes	$325,000	1,259
Income before extraordinary items	$600,000	2,264
Extraordinary gains, net	$0	10
Net income	$600,000	2,266
Minority interest net income	$0	76
Net income of bank and minority interests.	$600,000	2,266
Net charge-offs	$60,000	2,289
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$600,000	2,177
2012-12-31 (YTD Data)		Rank
Total interest income	$15,084,000	1,756
Total interest expense	$2,729,000	1,626
Net interest income	$12,355,000	1,778
Provision for loan and lease losses	$1,080,000	1,691
Total noninterest income	$4,753,000	1,193
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$1,938,000	737
Trading account gains and fees	$0	166
Additional Noninterest Income	$2,815,000	1,217
Total noninterest expense	$11,460,000	1,684
Salaries and employee benefits	$6,512,000	1,552
Premises and equipment expense	$1,069,000	2,144
Additional noninterest expense	$3,879,000	1,716
Pre-tax net operating income	$4,568,000	1,487
Securities gains (losses)	$0	3,810
Applicable income taxes	$1,725,000	978
Income before extraordinary items	$2,843,000	1,950
Extraordinary gains, net	$0	29
Net income	$2,843,000	1,949
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,843,000	1,951
Net charge-offs	$771,000	2,100
Cash dividends	$4,000,000	690
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,843,000	1,844
2012-09-30 (YTD Data)		Rank
Total interest income	$11,265,000	1,786
Total interest expense	$2,086,000	1,661
Net interest income	$9,179,000	1,816
Provision for loan and lease losses	$606,000	2,023
Total noninterest income	$3,449,000	1,215
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$1,428,000	754
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,021,000	1,251
Total noninterest expense	$8,419,000	1,720
Salaries and employee benefits	$4,634,000	1,634
Premises and equipment expense	$792,000	2,200
Additional noninterest expense	$2,993,000	1,680
Pre-tax net operating income	$3,603,000	1,462
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,402,000	958
Income before extraordinary items	$2,201,000	1,935
Extraordinary gains, net	$0	20
Net income	$2,201,000	1,934
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,201,000	1,936
Net charge-offs	$285,000	2,891
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,201,000	1,822
2012-06-30 (YTD Data)		Rank
Total interest income	$7,480,000	1,804
Total interest expense	$1,417,000	1,696
Net interest income	$6,063,000	1,829
Provision for loan and lease losses	$206,000	2,941
Total noninterest income	$2,163,000	1,262
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$922,000	768
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,241,000	1,307
Total noninterest expense	$5,586,000	1,737
Salaries and employee benefits	$3,065,000	1,644
Premises and equipment expense	$519,000	2,217
Additional noninterest expense	$2,002,000	1,671
Pre-tax net operating income	$2,434,000	1,428
Securities gains (losses)	$0	3,178
Applicable income taxes	$1,026,000	866
Income before extraordinary items	$1,408,000	1,994
Extraordinary gains, net	$0	19
Net income	$1,408,000	1,992
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,408,000	1,994
Net charge-offs	$153,000	3,014
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,408,000	1,890
2012-03-31 (YTD Data)		Rank
Total interest income	$3,753,000	1,811
Total interest expense	$725,000	1,722
Net interest income	$3,028,000	1,842
Provision for loan and lease losses	$86,000	3,085
Total noninterest income	$1,068,000	1,265
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$456,000	770
Trading account gains and fees	$0	148
Additional Noninterest Income	$612,000	1,309
Total noninterest expense	$2,824,000	1,705
Salaries and employee benefits	$1,559,000	1,625
Premises and equipment expense	$253,000	2,281
Additional noninterest expense	$1,012,000	1,634
Pre-tax net operating income	$1,186,000	1,463
Securities gains (losses)	$0	2,210
Applicable income taxes	$571,000	789
Income before extraordinary items	$615,000	2,208
Extraordinary gains, net	$0	19
Net income	$615,000	2,210
Minority interest net income	$0	78
Net income of bank and minority interests.	$615,000	2,211
Net charge-offs	$184,000	1,925
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$615,000	2,107
2011-12-31 (YTD Data)		Rank
Total interest income	$15,142,000	1,860
Total interest expense	$3,562,000	1,673
Net interest income	$11,580,000	1,900
Provision for loan and lease losses	$1,841,000	1,657
Total noninterest income	$4,337,000	1,174
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,201,000	1,231
Trading account gains and fees	$0	146
Additional Noninterest Income	$3,136,000	1,007
Total noninterest expense	$11,127,000	1,744
Salaries and employee benefits	$6,557,000	1,508
Premises and equipment expense	$1,546,000	1,603
Additional noninterest expense	$3,024,000	2,191
Pre-tax net operating income	$2,949,000	1,862
Securities gains (losses)	$2,000	3,652
Applicable income taxes	$864,000	1,488
Income before extraordinary items	$2,087,000	2,180
Extraordinary gains, net	$0	29
Net income	$2,087,000	2,181
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,087,000	2,181
Net charge-offs	$21,000	5,893
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,085,580	2,111
2011-09-30 (YTD Data)		Rank
Total interest income	$11,343,000	1,878
Total interest expense	$2,705,000	1,727
Net interest income	$8,638,000	1,912
Provision for loan and lease losses	$1,476,000	1,523
Total noninterest income	$3,132,000	1,202
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$827,000	1,353
Trading account gains and fees	$0	145
Additional Noninterest Income	$2,305,000	1,013
Total noninterest expense	$8,325,000	1,743
Salaries and employee benefits	$4,820,000	1,538
Premises and equipment expense	$1,122,000	1,682
Additional noninterest expense	$2,383,000	2,095
Pre-tax net operating income	$1,969,000	2,111
Securities gains (losses)	$2,000	3,369
Applicable income taxes	$639,000	1,512
Income before extraordinary items	$1,332,000	2,534
Extraordinary gains, net	$0	21
Net income	$1,332,000	2,536
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,332,000	2,536
Net charge-offs	$1,293,000	1,649
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,330,640	2,442
2011-06-30 (YTD Data)		Rank
Total interest income	$7,551,000	1,894
Total interest expense	$1,807,000	1,770
Net interest income	$5,744,000	1,921
Provision for loan and lease losses	$957,000	1,529
Total noninterest income	$1,981,000	1,240
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$456,000	1,579
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,525,000	1,006
Total noninterest expense	$5,541,000	1,759
Salaries and employee benefits	$3,190,000	1,565
Premises and equipment expense	$744,000	1,702
Additional noninterest expense	$1,607,000	2,105
Pre-tax net operating income	$1,227,000	2,191
Securities gains (losses)	$0	2,914
Applicable income taxes	$401,000	1,519
Income before extraordinary items	$826,000	2,616
Extraordinary gains, net	$0	15
Net income	$826,000	2,616
Minority interest net income	$0	89
Net income of bank and minority interests.	$826,000	2,616
Net charge-offs	$1,052,000	1,430
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$826,000	2,532
2011-03-31 (YTD Data)		Rank
Total interest income	$3,787,000	1,898
Total interest expense	$911,000	1,813
Net interest income	$2,876,000	1,918
Provision for loan and lease losses	$200,000	2,421
Total noninterest income	$931,000	1,276
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$107,000	2,839
Trading account gains and fees	$0	158
Additional Noninterest Income	$824,000	941
Total noninterest expense	$2,682,000	1,836
Salaries and employee benefits	$1,547,000	1,613
Premises and equipment expense	$361,000	1,798
Additional noninterest expense	$774,000	2,170
Pre-tax net operating income	$925,000	1,555
Securities gains (losses)	$0	1,772
Applicable income taxes	$329,000	1,034
Income before extraordinary items	$596,000	1,922
Extraordinary gains, net	$0	9
Net income	$596,000	1,921
Minority interest net income	$0	86
Net income of bank and minority interests.	$596,000	1,922
Net charge-offs	$282,000	1,812
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$596,000	1,878
2010-12-31 (YTD Data)		Rank
Total interest income	$15,050,000	2,007
Total interest expense	$4,531,000	1,787
Net interest income	$10,519,000	2,075
Provision for loan and lease losses	$1,592,000	2,382
Total noninterest income	$3,925,000	1,289
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$3,925,000	885
Total noninterest expense	$10,742,000	1,831
Salaries and employee benefits	$5,997,000	1,623
Premises and equipment expense	$1,551,000	1,660
Additional noninterest expense	$3,194,000	2,173
Pre-tax net operating income	$2,110,000	2,148
Securities gains (losses)	$63,000	2,510
Applicable income taxes	$515,000	1,856
Income before extraordinary items	$1,658,000	2,349
Extraordinary gains, net	$0	29
Net income	$1,658,000	2,347
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,658,000	2,350
Net charge-offs	$1,881,000	1,934
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$12,754,000	68
Net operating income	$1,610,120	2,285
2010-09-30 (YTD Data)		Rank
Total interest income	$11,202,000	2,063
Total interest expense	$3,537,000	1,798
Net interest income	$7,665,000	2,162
Provision for loan and lease losses	$990,000	2,524
Total noninterest income	$2,849,000	1,296
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	165
Additional Noninterest Income	$2,849,000	854
Total noninterest expense	$8,121,000	1,808
Salaries and employee benefits	$4,456,000	1,640
Premises and equipment expense	$1,159,000	1,695
Additional noninterest expense	$2,506,000	2,058
Pre-tax net operating income	$1,403,000	2,504
Securities gains (losses)	$63,000	2,289
Applicable income taxes	$432,000	1,805
Income before extraordinary items	$1,034,000	2,832
Extraordinary gains, net	$0	23
Net income	$1,034,000	2,826
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,034,000	2,831
Net charge-offs	$1,273,000	1,937
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$12,754,000	56
Net operating income	$989,270	2,771
2010-06-30 (YTD Data)		Rank
Total interest income	$7,417,000	2,100
Total interest expense	$2,405,000	1,833
Net interest income	$5,012,000	2,211
Provision for loan and lease losses	$630,000	2,503
Total noninterest income	$1,902,000	1,274
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,902,000	837
Total noninterest expense	$5,415,000	1,817
Salaries and employee benefits	$2,999,000	1,643
Premises and equipment expense	$780,000	1,688
Additional noninterest expense	$1,636,000	2,095
Pre-tax net operating income	$869,000	2,643
Securities gains (losses)	$29,000	2,194
Applicable income taxes	$264,000	1,862
Income before extraordinary items	$634,000	2,959
Extraordinary gains, net	$0	19
Net income	$634,000	2,953
Minority interest net income	$0	105
Net income of bank and minority interests.	$634,000	2,958
Net charge-offs	$891,000	1,846
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$12,754,000	38
Net operating income	$613,410	2,913
2010-03-31 (YTD Data)		Rank
Total interest income	$3,674,000	2,168
Total interest expense	$1,215,000	1,886
Net interest income	$2,459,000	2,284
Provision for loan and lease losses	$198,000	3,027
Total noninterest income	$828,000	1,412
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$828,000	914
Total noninterest expense	$2,699,000	1,842
Salaries and employee benefits	$1,494,000	1,669
Premises and equipment expense	$384,000	1,769
Additional noninterest expense	$821,000	2,068
Pre-tax net operating income	$390,000	2,881
Securities gains (losses)	$14,000	1,636
Applicable income taxes	$116,000	1,983
Income before extraordinary items	$288,000	3,211
Extraordinary gains, net	$0	16
Net income	$288,000	3,207
Minority interest net income	$0	91
Net income of bank and minority interests.	$288,000	3,211
Net charge-offs	$318,000	1,977
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$12,754,000	28
Net operating income	$278,060	3,171
2009-12-31 (YTD Data)		Rank
Total interest income	$15,399,000	2,185
Total interest expense	$5,679,000	2,015
Net interest income	$9,720,000	2,245
Provision for loan and lease losses	$915,000	3,632
Total noninterest income	$3,802,000	1,351
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	211
Additional Noninterest Income	$3,802,000	886
Total noninterest expense	$10,738,000	1,898
Salaries and employee benefits	$5,915,000	1,680
Premises and equipment expense	$1,646,000	1,644
Additional noninterest expense	$3,177,000	2,233
Pre-tax net operating income	$1,869,000	2,018
Securities gains (losses)	$121,000	1,968
Applicable income taxes	$644,000	1,312
Income before extraordinary items	$1,346,000	2,288
Extraordinary gains, net	$0	34
Net income	$1,346,000	2,284
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,346,000	2,286
Net charge-offs	$1,693,000	2,236
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,263,720	2,349
2009-09-30 (YTD Data)		Rank
Total interest income	$11,730,000	2,191
Total interest expense	$4,387,000	2,047
Net interest income	$7,343,000	2,232
Provision for loan and lease losses	$464,000	3,922
Total noninterest income	$2,852,000	1,379
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	212
Additional Noninterest Income	$2,852,000	887
Total noninterest expense	$8,069,000	1,877
Salaries and employee benefits	$4,407,000	1,708
Premises and equipment expense	$1,244,000	1,637
Additional noninterest expense	$2,418,000	2,176
Pre-tax net operating income	$1,662,000	1,875
Securities gains (losses)	$89,000	1,925
Applicable income taxes	$458,000	1,492
Income before extraordinary items	$1,293,000	2,050
Extraordinary gains, net	$0	27
Net income	$1,293,000	2,049
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,293,000	2,050
Net charge-offs	$516,000	3,000
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,227,140	2,089
2009-06-30 (YTD Data)		Rank
Total interest income	$7,982,000	2,192
Total interest expense	$3,013,000	2,088
Net interest income	$4,969,000	2,212
Provision for loan and lease losses	$76,000	5,619
Total noninterest income	$1,925,000	1,374
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,925,000	914
Total noninterest expense	$5,403,000	1,904
Salaries and employee benefits	$2,909,000	1,752
Premises and equipment expense	$830,000	1,672
Additional noninterest expense	$1,664,000	2,132
Pre-tax net operating income	$1,415,000	1,597
Securities gains (losses)	$76,000	1,654
Applicable income taxes	$406,000	1,253
Income before extraordinary items	$1,085,000	1,719
Extraordinary gains, net	$0	21
Net income	$1,085,000	1,716
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,085,000	1,718
Net charge-offs	$446,000	2,471
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,029,520	1,756
2009-03-31 (YTD Data)		Rank
Total interest income	$4,050,000	2,188
Total interest expense	$1,558,000	2,098
Net interest income	$2,492,000	2,208
Provision for loan and lease losses	$56,000	4,791
Total noninterest income	$915,000	1,388
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	171
Additional Noninterest Income	$915,000	908
Total noninterest expense	$2,599,000	1,907
Salaries and employee benefits	$1,506,000	1,720
Premises and equipment expense	$424,000	1,672
Additional noninterest expense	$669,000	2,324
Pre-tax net operating income	$752,000	1,702
Securities gains (losses)	$39,000	1,402
Applicable income taxes	$288,000	1,092
Income before extraordinary items	$503,000	2,124
Extraordinary gains, net	$0	15
Net income	$503,000	2,123
Minority interest net income	$0	102
Net income of bank and minority interests.	$503,000	2,125
Net charge-offs	$363,000	1,626
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$478,040	2,085
2008-12-31 (YTD Data)		Rank
Total interest income	$16,080,000	2,324
Total interest expense	$7,173,000	2,155
Net interest income	$8,907,000	2,444
Provision for loan and lease losses	$686,000	3,280
Total noninterest income	$3,722,000	1,341
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	154
Additional Noninterest Income	$3,722,000	817
Total noninterest expense	$10,368,000	1,863
Salaries and employee benefits	$5,658,000	1,806
Premises and equipment expense	$1,838,000	1,508
Additional noninterest expense	$2,872,000	2,085
Pre-tax net operating income	$1,575,000	2,929
Securities gains (losses)	$8,000	2,595
Applicable income taxes	$475,000	1,901
Income before extraordinary items	$1,108,000	3,093
Extraordinary gains, net	$0	39
Net income	$1,108,000	3,092
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$234,000	3,883
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,102,400	3,250
2008-09-30 (YTD Data)		Rank
Total interest income	$12,091,000	2,366
Total interest expense	$5,449,000	2,221
Net interest income	$6,642,000	2,483
Provision for loan and lease losses	$547,000	2,607
Total noninterest income	$2,835,000	1,362
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$2,835,000	853
Total noninterest expense	$8,150,000	1,776
Salaries and employee benefits	$4,638,000	1,676
Premises and equipment expense	$1,388,000	1,502
Additional noninterest expense	$2,124,000	2,048
Pre-tax net operating income	$780,000	4,145
Securities gains (losses)	$0	3,106
Applicable income taxes	$172,000	3,075
Income before extraordinary items	$608,000	4,103
Extraordinary gains, net	$0	31
Net income	$608,000	4,100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	3,540
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$608,000	4,250
2008-06-30 (YTD Data)		Rank
Total interest income	$8,111,000	2,392
Total interest expense	$3,695,000	2,257
Net interest income	$4,416,000	2,483
Provision for loan and lease losses	$273,000	2,690
Total noninterest income	$1,928,000	1,369
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,928,000	865
Total noninterest expense	$5,465,000	1,765
Salaries and employee benefits	$3,114,000	1,677
Premises and equipment expense	$930,000	1,498
Additional noninterest expense	$1,421,000	2,025
Pre-tax net operating income	$606,000	3,997
Securities gains (losses)	$0	3,233
Applicable income taxes	$143,000	3,080
Income before extraordinary items	$463,000	4,169
Extraordinary gains, net	$0	21
Net income	$463,000	4,170
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	3,417
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$463,000	4,112
2008-03-31 (YTD Data)		Rank
Total interest income	$4,099,000	2,426
Total interest expense	$1,905,000	2,337
Net interest income	$2,194,000	2,489
Provision for loan and lease losses	$50,000	3,776
Total noninterest income	$915,000	1,426
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$915,000	909
Total noninterest expense	$2,747,000	1,754
Salaries and employee benefits	$1,579,000	1,664
Premises and equipment expense	$466,000	1,494
Additional noninterest expense	$702,000	2,006
Pre-tax net operating income	$312,000	4,061
Securities gains (losses)	$0	2,688
Applicable income taxes	$71,000	3,202
Income before extraordinary items	$241,000	4,268
Extraordinary gains, net	$0	15
Net income	$241,000	4,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	3,413
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$241,000	4,165
2007-12-31 (YTD Data)		Rank
Total interest income	$15,968,000	2,546
Total interest expense	$7,144,000	2,569
Net interest income	$8,824,000	2,501
Provision for loan and lease losses	$363,000	2,852
Total noninterest income	$2,817,000	1,715
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$2,817,000	1,064
Total noninterest expense	$9,712,000	1,908
Salaries and employee benefits	$5,438,000	1,854
Premises and equipment expense	$1,750,000	1,526
Additional noninterest expense	$2,524,000	2,164
Pre-tax net operating income	$1,566,000	3,829
Securities gains (losses)	$0	2,146
Applicable income taxes	$444,000	2,887
Income before extraordinary items	$1,122,000	4,059
Extraordinary gains, net	$0	39
Net income	$1,122,000	4,061
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-207,000	8,447
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,122,000	4,058
2007-09-30 (YTD Data)		Rank
Total interest income	$11,826,000	2,565
Total interest expense	$5,271,000	2,605
Net interest income	$6,555,000	2,536
Provision for loan and lease losses	$350,000	2,081
Total noninterest income	$1,926,000	1,840
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,926,000	1,154
Total noninterest expense	$7,031,000	1,955
Salaries and employee benefits	$3,918,000	1,924
Premises and equipment expense	$1,263,000	1,579
Additional noninterest expense	$1,850,000	2,160
Pre-tax net operating income	$1,100,000	4,145
Securities gains (losses)	$0	1,655
Applicable income taxes	$374,000	2,896
Income before extraordinary items	$726,000	4,561
Extraordinary gains, net	$0	33
Net income	$726,000	4,561
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$208,000	1,921
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$726,000	4,559
2007-06-30 (YTD Data)		Rank
Total interest income	$7,695,000	2,639
Total interest expense	$3,417,000	2,676
Net interest income	$4,278,000	2,612
Provision for loan and lease losses	$279,000	1,653
Total noninterest income	$1,265,000	1,878
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$1,265,000	1,186
Total noninterest expense	$4,657,000	1,982
Salaries and employee benefits	$2,570,000	1,978
Premises and equipment expense	$792,000	1,682
Additional noninterest expense	$1,295,000	2,074
Pre-tax net operating income	$607,000	4,635
Securities gains (losses)	$0	1,444
Applicable income taxes	$199,000	3,277
Income before extraordinary items	$408,000	5,024
Extraordinary gains, net	$0	29
Net income	$408,000	5,024
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$148,000	1,635
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$408,000	5,016
2007-03-31 (YTD Data)		Rank
Total interest income	$3,707,000	2,723
Total interest expense	$1,619,000	2,791
Net interest income	$2,088,000	2,665
Provision for loan and lease losses	$154,000	1,405
Total noninterest income	$565,000	2,038
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$565,000	1,248
Total noninterest expense	$2,303,000	2,008
Salaries and employee benefits	$1,267,000	2,030
Premises and equipment expense	$428,000	1,568
Additional noninterest expense	$608,000	2,165
Pre-tax net operating income	$196,000	5,569
Securities gains (losses)	$0	1,187
Applicable income taxes	$63,000	3,846
Income before extraordinary items	$133,000	5,890
Extraordinary gains, net	$0	22
Net income	$133,000	5,889
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	2,284
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$133,000	5,868
2006-12-31 (YTD Data)		Rank
Total interest income	$13,062,000	2,876
Total interest expense	$5,319,000	2,868
Net interest income	$7,743,000	2,838
Provision for loan and lease losses	$630,000	1,547
Total noninterest income	$2,347,000	1,974
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$2,347,000	1,196
Total noninterest expense	$8,198,000	2,160
Salaries and employee benefits	$4,348,000	2,246
Premises and equipment expense	$1,473,000	1,721
Additional noninterest expense	$2,377,000	2,197
Pre-tax net operating income	$1,262,000	4,684
Securities gains (losses)	$-93,000	8,179
Applicable income taxes	$286,000	3,874
Income before extraordinary items	$883,000	4,987
Extraordinary gains, net	$0	51
Net income	$883,000	4,989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$849,000	796
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$953,680	4,802
2006-09-30 (YTD Data)		Rank
Total interest income	$9,561,000	2,915
Total interest expense	$3,829,000	2,892
Net interest income	$5,732,000	2,894
Provision for loan and lease losses	$328,000	1,999
Total noninterest income	$1,707,000	2,032
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,707,000	1,240
Total noninterest expense	$5,812,000	2,273
Salaries and employee benefits	$3,152,000	2,337
Premises and equipment expense	$1,003,000	1,887
Additional noninterest expense	$1,657,000	2,337
Pre-tax net operating income	$1,299,000	4,106
Securities gains (losses)	$18,000	773
Applicable income taxes	$451,000	3,009
Income before extraordinary items	$866,000	4,513
Extraordinary gains, net	$0	45
Net income	$866,000	4,517
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,000	1,911
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$854,120	4,537
2006-06-30 (YTD Data)		Rank
Total interest income	$6,178,000	2,956
Total interest expense	$2,434,000	2,881
Net interest income	$3,744,000	2,962
Provision for loan and lease losses	$166,000	2,434
Total noninterest income	$1,108,000	2,061
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,108,000	1,266
Total noninterest expense	$3,754,000	2,350
Salaries and employee benefits	$2,009,000	2,438
Premises and equipment expense	$661,000	1,905
Additional noninterest expense	$1,084,000	2,382
Pre-tax net operating income	$932,000	3,960
Securities gains (losses)	$18,000	623
Applicable income taxes	$324,000	2,936
Income before extraordinary items	$626,000	4,332
Extraordinary gains, net	$0	39
Net income	$626,000	4,336
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	1,738
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$614,120	4,375
2006-03-31 (YTD Data)		Rank
Total interest income	$2,986,000	2,979
Total interest expense	$1,170,000	2,863
Net interest income	$1,816,000	3,031
Provision for loan and lease losses	$88,000	2,247
Total noninterest income	$526,000	2,114
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$526,000	1,296
Total noninterest expense	$1,832,000	2,413
Salaries and employee benefits	$955,000	2,548
Premises and equipment expense	$328,000	1,934
Additional noninterest expense	$549,000	2,337
Pre-tax net operating income	$422,000	4,159
Securities gains (losses)	$0	955
Applicable income taxes	$146,000	3,076
Income before extraordinary items	$276,000	4,616
Extraordinary gains, net	$0	21
Net income	$276,000	4,616
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	1,457
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$276,000	4,602
2005-12-31 (YTD Data)		Rank
Total interest income	$10,778,000	2,950
Total interest expense	$4,018,000	2,646
Net interest income	$6,760,000	3,127
Provision for loan and lease losses	$291,000	2,922
Total noninterest income	$1,932,000	2,274
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,932,000	1,394
Total noninterest expense	$6,841,000	2,433
Salaries and employee benefits	$3,504,000	2,598
Premises and equipment expense	$1,205,000	1,986
Additional noninterest expense	$2,132,000	2,347
Pre-tax net operating income	$1,560,000	4,274
Securities gains (losses)	$138,000	603
Applicable income taxes	$497,000	3,376
Income before extraordinary items	$1,201,000	4,346
Extraordinary gains, net	$0	46
Net income	$1,201,000	4,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$157,000	2,657
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,103,020	4,513
2005-09-30 (YTD Data)		Rank
Total interest income	$7,926,000	2,948
Total interest expense	$2,927,000	2,589
Net interest income	$4,999,000	3,146
Provision for loan and lease losses	$151,000	3,457
Total noninterest income	$1,431,000	2,287
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,431,000	1,409
Total noninterest expense	$4,576,000	2,673
Salaries and employee benefits	$2,283,000	2,895
Premises and equipment expense	$882,000	2,017
Additional noninterest expense	$1,411,000	2,608
Pre-tax net operating income	$1,703,000	3,451
Securities gains (losses)	$138,000	566
Applicable income taxes	$649,000	2,514
Income before extraordinary items	$1,192,000	3,673
Extraordinary gains, net	$0	35
Net income	$1,192,000	3,674
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	3,163
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,102,300	3,854
2005-06-30 (YTD Data)		Rank
Total interest income	$5,177,000	2,943
Total interest expense	$1,892,000	2,526
Net interest income	$3,285,000	3,160
Provision for loan and lease losses	$39,000	4,905
Total noninterest income	$941,000	2,279
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$941,000	1,411
Total noninterest expense	$3,020,000	2,678
Salaries and employee benefits	$1,520,000	2,893
Premises and equipment expense	$587,000	2,015
Additional noninterest expense	$913,000	2,660
Pre-tax net operating income	$1,167,000	3,317
Securities gains (losses)	$-207,000	8,769
Applicable income taxes	$326,000	2,955
Income before extraordinary items	$634,000	4,274
Extraordinary gains, net	$0	30
Net income	$634,000	4,276
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	3,414
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$770,620	3,678
2005-03-31 (YTD Data)		Rank
Total interest income	$2,525,000	2,973
Total interest expense	$931,000	2,477
Net interest income	$1,594,000	3,236
Provision for loan and lease losses	$0	6,226
Total noninterest income	$448,000	2,318
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$448,000	1,433
Total noninterest expense	$1,495,000	2,722
Salaries and employee benefits	$743,000	2,955
Premises and equipment expense	$299,000	2,004
Additional noninterest expense	$453,000	2,675
Pre-tax net operating income	$547,000	3,442
Securities gains (losses)	$0	1,685
Applicable income taxes	$191,000	2,676
Income before extraordinary items	$356,000	3,922
Extraordinary gains, net	$0	24
Net income	$356,000	3,924
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	3,869
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$356,000	3,871
2004-12-31 (YTD Data)		Rank
Total interest income	$9,911,000	2,858
Total interest expense	$3,790,000	2,147
Net interest income	$6,121,000	3,244
Provision for loan and lease losses	$228,000	3,473
Total noninterest income	$1,764,000	2,397
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,764,000	1,455
Total noninterest expense	$5,745,000	2,762
Salaries and employee benefits	$3,225,000	2,668
Premises and equipment expense	$1,067,000	2,144
Additional noninterest expense	$1,453,000	3,202
Pre-tax net operating income	$1,912,000	3,605
Securities gains (losses)	$11,000	2,784
Applicable income taxes	$559,000	3,151
Income before extraordinary items	$1,364,000	3,864
Extraordinary gains, net	$0	34
Net income	$1,364,000	3,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$201,000	2,574
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,356,190	3,825
2004-09-30 (YTD Data)		Rank
Total interest income	$7,366,000	2,843
Total interest expense	$2,831,000	2,118
Net interest income	$4,535,000	3,259
Provision for loan and lease losses	$206,000	2,939
Total noninterest income	$1,238,000	2,523
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,238,000	1,528
Total noninterest expense	$4,010,000	2,903
Salaries and employee benefits	$2,200,000	2,875
Premises and equipment expense	$783,000	2,192
Additional noninterest expense	$1,027,000	3,351
Pre-tax net operating income	$1,557,000	3,488
Securities gains (losses)	$11,000	2,659
Applicable income taxes	$580,000	2,632
Income before extraordinary items	$988,000	4,038
Extraordinary gains, net	$0	26
Net income	$988,000	4,038
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$151,000	2,251
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$980,960	3,988
2004-06-30 (YTD Data)		Rank
Total interest income	$4,857,000	2,861
Total interest expense	$1,881,000	2,103
Net interest income	$2,976,000	3,293
Provision for loan and lease losses	$149,000	2,830
Total noninterest income	$815,000	2,561
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$815,000	1,532
Total noninterest expense	$2,671,000	2,914
Salaries and employee benefits	$1,443,000	2,934
Premises and equipment expense	$525,000	2,175
Additional noninterest expense	$703,000	3,293
Pre-tax net operating income	$971,000	3,604
Securities gains (losses)	$11,000	2,367
Applicable income taxes	$355,000	2,778
Income before extraordinary items	$627,000	4,124
Extraordinary gains, net	$0	21
Net income	$627,000	4,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$135,000	1,800
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$619,960	4,073
2004-03-31 (YTD Data)		Rank
Total interest income	$2,443,000	2,857
Total interest expense	$943,000	2,121
Net interest income	$1,500,000	3,258
Provision for loan and lease losses	$50,000	3,283
Total noninterest income	$409,000	2,502
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$409,000	1,515
Total noninterest expense	$1,322,000	2,939
Salaries and employee benefits	$729,000	2,908
Premises and equipment expense	$261,000	2,200
Additional noninterest expense	$332,000	3,451
Pre-tax net operating income	$537,000	3,344
Securities gains (losses)	$11,000	2,005
Applicable income taxes	$201,000	2,572
Income before extraordinary items	$347,000	3,870
Extraordinary gains, net	$0	16
Net income	$347,000	3,869
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	2,007
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$339,960	3,805
2003-12-31 (YTD Data)		Rank
Total interest income	$10,201,000	2,777
Total interest expense	$4,147,000	2,146
Net interest income	$6,054,000	3,158
Provision for loan and lease losses	$680,000	1,655
Total noninterest income	$1,760,000	2,538
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,760,000	1,608
Total noninterest expense	$5,576,000	2,786
Salaries and employee benefits	$3,153,000	2,665
Premises and equipment expense	$1,281,000	1,775
Additional noninterest expense	$1,142,000	3,879
Pre-tax net operating income	$1,558,000	4,025
Securities gains (losses)	$174,000	1,437
Applicable income taxes	$594,000	3,080
Income before extraordinary items	$1,138,000	4,272
Extraordinary gains, net	$0	54
Net income	$1,138,000	4,273
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$482,000	1,652
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,023,160	4,410
2003-09-30 (YTD Data)		Rank
Total interest income	$7,667,000	2,810
Total interest expense	$3,157,000	2,194
Net interest income	$4,510,000	3,192
Provision for loan and lease losses	$614,000	1,379
Total noninterest income	$1,321,000	2,587
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,321,000	1,687
Total noninterest expense	$4,027,000	2,887
Salaries and employee benefits	$2,207,000	2,828
Premises and equipment expense	$970,000	1,764
Additional noninterest expense	$850,000	3,895
Pre-tax net operating income	$1,190,000	4,099
Securities gains (losses)	$174,000	1,318
Applicable income taxes	$495,000	3,052
Income before extraordinary items	$869,000	4,393
Extraordinary gains, net	$0	40
Net income	$869,000	4,393
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$480,000	1,207
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$757,640	4,570
2003-06-30 (YTD Data)		Rank
Total interest income	$5,150,000	2,804
Total interest expense	$2,135,000	2,229
Net interest income	$3,015,000	3,173
Provision for loan and lease losses	$456,000	1,242
Total noninterest income	$848,000	2,640
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$848,000	1,708
Total noninterest expense	$2,634,000	2,933
Salaries and employee benefits	$1,423,000	2,923
Premises and equipment expense	$631,000	1,798
Additional noninterest expense	$580,000	3,803
Pre-tax net operating income	$773,000	4,142
Securities gains (losses)	$140,000	1,274
Applicable income taxes	$335,000	3,034
Income before extraordinary items	$578,000	4,398
Extraordinary gains, net	$0	30
Net income	$578,000	4,397
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,000	1,750
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$488,400	4,646
2003-03-31 (YTD Data)		Rank
Total interest income	$2,586,000	2,822
Total interest expense	$1,076,000	2,259
Net interest income	$1,510,000	3,154
Provision for loan and lease losses	$147,000	1,834
Total noninterest income	$407,000	2,634
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$407,000	1,717
Total noninterest expense	$1,305,000	2,934
Salaries and employee benefits	$720,000	2,887
Premises and equipment expense	$305,000	1,870
Additional noninterest expense	$280,000	3,863
Pre-tax net operating income	$465,000	3,677
Securities gains (losses)	$53,000	1,355
Applicable income taxes	$195,000	2,740
Income before extraordinary items	$323,000	4,036
Extraordinary gains, net	$0	21
Net income	$323,000	4,034
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	2,164
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$289,080	4,157
2002-12-31 (YTD Data)		Rank
Total interest income	$10,821,000	2,818
Total interest expense	$4,518,000	2,462
Net interest income	$6,303,000	3,009
Provision for loan and lease losses	$916,000	1,454
Total noninterest income	$1,634,000	2,477
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,634,000	1,543
Total noninterest expense	$4,945,000	2,954
Salaries and employee benefits	$3,006,000	2,623
Premises and equipment expense	$973,000	2,243
Additional noninterest expense	$966,000	4,295
Pre-tax net operating income	$2,076,000	3,339
Securities gains (losses)	$67,000	2,139
Applicable income taxes	$708,000	2,817
Income before extraordinary items	$1,435,000	3,611
Extraordinary gains, net	$0	70
Net income	$1,435,000	3,611
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$295,000	2,400
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,390,110	3,596
2001-12-31 (YTD Data)		Rank
Total interest income	$11,564,000	2,931
Total interest expense	$5,826,000	2,746
Net interest income	$5,738,000	3,069
Provision for loan and lease losses	$488,000	2,250
Total noninterest income	$1,390,000	2,659
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,390,000	1,632
Total noninterest expense	$4,578,000	3,041
Salaries and employee benefits	$2,828,000	2,655
Premises and equipment expense	$939,000	2,272
Additional noninterest expense	$811,000	4,735
Pre-tax net operating income	$2,062,000	3,110
Securities gains (losses)	$-75,000	9,478
Applicable income taxes	$678,000	2,731
Income before extraordinary items	$1,309,000	3,568
Extraordinary gains, net	$0	105
Net income	$1,309,000	3,569
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$241,000	2,553
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,358,500	3,378
2000-12-31 (YTD Data)		Rank
Total interest income	$10,799,000	3,183
Total interest expense	$5,891,000	2,834
Net interest income	$4,908,000	3,535
Provision for loan and lease losses	$299,000	2,903
Total noninterest income	$1,233,000	2,702
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,233,000	1,625
Total noninterest expense	$4,470,000	3,015
Salaries and employee benefits	$2,898,000	2,461
Premises and equipment expense	$832,000	2,484
Additional noninterest expense	$740,000	4,988
Pre-tax net operating income	$1,372,000	4,340
Securities gains (losses)	$64,000	663
Applicable income taxes	$487,000	3,542
Income before extraordinary items	$949,000	4,535
Extraordinary gains, net	$0	38
Net income	$949,000	4,536
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$188,000	2,489
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$906,760	4,660
1999-12-31 (YTD Data)		Rank
Total interest income	$10,090,000	3,195
Total interest expense	$5,793,000	2,537
Net interest income	$4,297,000	3,929
Provision for loan and lease losses	$275,000	2,860
Total noninterest income	$1,017,000	3,051
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,017,000	1,842
Total noninterest expense	$3,870,000	3,413
Salaries and employee benefits	$2,428,000	2,884
Premises and equipment expense	$655,000	3,040
Additional noninterest expense	$787,000	4,850
Pre-tax net operating income	$1,169,000	4,841
Securities gains (losses)	$4,000	2,267
Applicable income taxes	$374,000	4,332
Income before extraordinary items	$799,000	5,105
Extraordinary gains, net	$0	35
Net income	$799,000	5,104
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$275,000	1,936
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$796,280	5,070
1998-12-31 (YTD Data)		Rank
Total interest income	$10,799,000	2,989
Total interest expense	$6,515,000	2,313
Net interest income	$4,284,000	3,900
Provision for loan and lease losses	$261,000	2,916
Total noninterest income	$1,018,000	3,034
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,018,000	1,831
Total noninterest expense	$3,321,000	3,773
Salaries and employee benefits	$2,070,000	3,224
Premises and equipment expense	$589,000	3,227
Additional noninterest expense	$662,000	5,380
Pre-tax net operating income	$1,720,000	3,772
Securities gains (losses)	$104,000	1,246
Applicable income taxes	$695,000	3,044
Income before extraordinary items	$1,129,000	4,106
Extraordinary gains, net	$0	32
Net income	$1,129,000	4,105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$322,000	1,769
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,062,440	4,202
1997-12-31 (YTD Data)		Rank
Total interest income	$10,901,000	2,982
Total interest expense	$6,436,000	2,334
Net interest income	$4,465,000	3,840
Provision for loan and lease losses	$578,000	1,597
Total noninterest income	$1,009,000	3,023
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,009,000	1,722
Total noninterest expense	$3,132,000	3,955
Salaries and employee benefits	$1,880,000	3,487
Premises and equipment expense	$558,000	3,376
Additional noninterest expense	$694,000	5,253
Pre-tax net operating income	$1,764,000	3,918
Securities gains (losses)	$6,000	2,665
Applicable income taxes	$706,000	3,216
Income before extraordinary items	$1,064,000	4,470
Extraordinary gains, net	$-152,000	10,916
Net income	$912,000	5,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$544,000	1,263
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,060,160	4,427
1996-12-31 (YTD Data)		Rank
Total interest income	$10,288,000	3,193
Total interest expense	$6,358,000	2,424
Net interest income	$3,930,000	4,398
Provision for loan and lease losses	$174,000	3,783
Total noninterest income	$1,001,000	3,120
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,001,000	1,817
Total noninterest expense	$4,041,000	3,320
Salaries and employee benefits	$1,690,000	3,873
Premises and equipment expense	$554,000	3,461
Additional noninterest expense	$1,797,000	2,695
Pre-tax net operating income	$716,000	6,860
Securities gains (losses)	$730,000	331
Applicable income taxes	$600,000	3,586
Income before extraordinary items	$846,000	5,092
Extraordinary gains, net	$0	53
Net income	$846,000	5,092
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	4,212
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$378,800	7,742
1995-12-31 (YTD Data)		Rank
Total interest income	$9,417,000	3,475
Total interest expense	$6,099,000	2,512
Net interest income	$3,318,000	5,083
Provision for loan and lease losses	$57,000	5,968
Total noninterest income	$679,000	4,180
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$679,000	2,338
Total noninterest expense	$3,075,000	4,196
Salaries and employee benefits	$1,538,000	4,196
Premises and equipment expense	$538,000	3,527
Additional noninterest expense	$999,000	4,354
Pre-tax net operating income	$865,000	6,573
Securities gains (losses)	$6,000	2,714
Applicable income taxes	$353,000	5,401
Income before extraordinary items	$518,000	7,120
Extraordinary gains, net	$0	65
Net income	$518,000	7,119
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	4,742
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$514,160	7,115
1994-12-31 (YTD Data)		Rank
Total interest income	$8,478,000	3,534
Total interest expense	$5,027,000	2,447
Net interest income	$3,451,000	4,998
Provision for loan and lease losses	$58,000	5,854
Total noninterest income	$591,000	4,709
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$591,000	2,615
Total noninterest expense	$2,812,000	4,661
Salaries and employee benefits	$1,485,000	4,310
Premises and equipment expense	$476,000	3,957
Additional noninterest expense	$851,000	5,417
Pre-tax net operating income	$1,172,000	5,327
Securities gains (losses)	$0	3,600
Applicable income taxes	$326,000	5,558
Income before extraordinary items	$846,000	5,138
Extraordinary gains, net	$0	249
Net income	$846,000	5,146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,873
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$846,000	5,188
1993-12-31 (YTD Data)		Rank
Total interest income	$9,362,000	3,308
Total interest expense	$5,732,000	2,265
Net interest income	$3,630,000	4,798
Provision for loan and lease losses	$90,000	6,008
Total noninterest income	$565,000	5,161
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$565,000	3,001
Total noninterest expense	$2,863,000	4,699
Salaries and employee benefits	$1,468,000	4,359
Premises and equipment expense	$438,000	4,355
Additional noninterest expense	$957,000	5,119
Pre-tax net operating income	$1,242,000	5,053
Securities gains (losses)	$22,000	4,534
Applicable income taxes	$512,000	4,100
Income before extraordinary items	$752,000	5,817
Extraordinary gains, net	$-114,000	12,946
Net income	$638,000	6,668
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	6,769
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$737,920	5,638
1992-12-31 (YTD Data)		Rank
Total interest income	$10,942,000	3,208
Total interest expense	$7,379,000	2,296
Net interest income	$3,563,000	4,929
Provision for loan and lease losses	$213,000	5,062
Total noninterest income	$731,000	4,265
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$731,000	2,446
Total noninterest expense	$2,583,000	5,157
Salaries and employee benefits	$1,255,000	4,963
Premises and equipment expense	$412,000	4,693
Additional noninterest expense	$916,000	5,439
Pre-tax net operating income	$1,498,000	4,049
Securities gains (losses)	$0	8,369
Applicable income taxes	$595,000	3,456
Income before extraordinary items	$903,000	4,919
Extraordinary gains, net	$0	1,422
Net income	$903,000	4,968
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	8,127
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$903,000	4,604

* 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.