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Athol Savings Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$21,318,000	1,806
Total interest expense	$7,083,000	1,631
Net interest income	$14,235,000	1,889
Provision for loan and lease losses	$75,000	2,605
Total noninterest income	$4,453,000	1,275
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,857,000	599
Trading account gains and fees	$0	123
Additional Noninterest Income	$2,596,000	1,387
Total noninterest expense	$15,525,000	1,480
Salaries and employee benefits	$8,279,000	1,556
Premises and equipment expense	$1,967,000	1,236
Additional noninterest expense	$2,596,000	1,387
Pre-tax net operating income	$3,088,000	2,481
Securities gains (losses)	$2,022,000	46
Applicable income taxes	$1,107,000	1,377
Income before extraordinary items	$4,003,000	1,992
Extraordinary gains, net	$0	54
Net income	$4,003,000	2,016
Minority interest net income	$0	88
Net income of bank and minority interests.	$4,003,000	1,995
Net charge-offs	$95,000	1,532
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$2,405,620	2,609
2023-09-30 (YTD Data)		Rank
Total interest income	$15,621,000	1,798
Total interest expense	$4,750,000	1,635
Net interest income	$10,871,000	1,876
Provision for loan and lease losses	$0	3,085
Total noninterest income	$3,079,000	1,321
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$1,363,000	605
Trading account gains and fees	$0	125
Additional Noninterest Income	$1,716,000	1,484
Total noninterest expense	$11,665,000	1,469
Salaries and employee benefits	$6,239,000	1,555
Premises and equipment expense	$1,456,000	1,254
Additional noninterest expense	$1,716,000	1,484
Pre-tax net operating income	$2,285,000	2,542
Securities gains (losses)	$-71,000	3,913
Applicable income taxes	$377,000	1,957
Income before extraordinary items	$1,837,000	2,605
Extraordinary gains, net	$0	52
Net income	$1,837,000	2,634
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,837,000	2,606
Net charge-offs	$60,000	1,403
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$1,895,930	2,597
2023-06-30 (YTD Data)		Rank
Total interest income	$10,194,000	1,802
Total interest expense	$2,867,000	1,605
Net interest income	$7,327,000	1,867
Provision for loan and lease losses	$0	2,940
Total noninterest income	$2,004,000	1,299
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$877,000	622
Trading account gains and fees	$0	112
Additional Noninterest Income	$1,127,000	1,424
Total noninterest expense	$7,878,000	1,439
Salaries and employee benefits	$4,202,000	1,534
Premises and equipment expense	$997,000	1,214
Additional noninterest expense	$1,127,000	1,423
Pre-tax net operating income	$1,453,000	2,620
Securities gains (losses)	$856,000	54
Applicable income taxes	$488,000	1,512
Income before extraordinary items	$1,821,000	2,170
Extraordinary gains, net	$0	51
Net income	$1,821,000	2,196
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,821,000	2,170
Net charge-offs	$38,000	1,281
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$1,144,760	2,723
2023-03-31 (YTD Data)		Rank
Total interest income	$4,994,000	1,814
Total interest expense	$1,304,000	1,559
Net interest income	$3,690,000	1,860
Provision for loan and lease losses	$0	2,612
Total noninterest income	$983,000	1,308
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$426,000	645
Trading account gains and fees	$0	97
Additional Noninterest Income	$557,000	1,431
Total noninterest expense	$3,946,000	1,459
Salaries and employee benefits	$2,107,000	1,563
Premises and equipment expense	$536,000	1,171
Additional noninterest expense	$557,000	1,431
Pre-tax net operating income	$727,000	2,661
Securities gains (losses)	$-104,000	4,353
Applicable income taxes	$95,000	2,174
Income before extraordinary items	$528,000	2,845
Extraordinary gains, net	$0	4
Net income	$528,000	2,844
Minority interest net income	$0	48
Net income of bank and minority interests.	$528,000	2,845
Net charge-offs	$13,000	1,282
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$616,400	2,707
2022-12-31 (YTD Data)		Rank
Total interest income	$16,902,000	1,784
Total interest expense	$1,510,000	1,906
Net interest income	$15,392,000	1,755
Provision for loan and lease losses	$45,000	2,586
Total noninterest income	$3,945,000	1,383
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$1,758,000	646
Trading account gains and fees	$0	116
Additional Noninterest Income	$2,187,000	1,543
Total noninterest expense	$14,906,000	1,491
Salaries and employee benefits	$8,041,000	1,562
Premises and equipment expense	$1,849,000	1,304
Additional noninterest expense	$2,187,000	1,543
Pre-tax net operating income	$4,386,000	2,183
Securities gains (losses)	$-3,095,000	4,598
Applicable income taxes	$55,000	3,225
Income before extraordinary items	$1,236,000	3,466
Extraordinary gains, net	$0	5
Net income	$1,236,000	3,464
Minority interest net income	$0	63
Net income of bank and minority interests.	$1,236,000	3,465
Net charge-offs	$62,000	1,436
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$4,207,200	2,063
2022-09-30 (YTD Data)		Rank
Total interest income	$12,108,000	1,793
Total interest expense	$866,000	1,948
Net interest income	$11,242,000	1,769
Provision for loan and lease losses	$45,000	2,281
Total noninterest income	$2,938,000	1,405
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$1,300,000	659
Trading account gains and fees	$0	111
Additional Noninterest Income	$1,638,000	1,556
Total noninterest expense	$10,936,000	1,516
Salaries and employee benefits	$5,884,000	1,602
Premises and equipment expense	$1,349,000	1,334
Additional noninterest expense	$1,638,000	1,556
Pre-tax net operating income	$3,199,000	2,220
Securities gains (losses)	$-5,775,000	4,690
Applicable income taxes	$-949,000	4,721
Income before extraordinary items	$-1,627,000	4,696
Extraordinary gains, net	$0	4
Net income	$-1,627,000	4,696
Minority interest net income	$0	57
Net income of bank and minority interests.	$-1,627,000	4,696
Net charge-offs	$57,000	1,157
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,935,250	2,141
2022-06-30 (YTD Data)		Rank
Total interest income	$7,729,000	1,803
Total interest expense	$510,000	1,931
Net interest income	$7,219,000	1,784
Provision for loan and lease losses	$45,000	1,959
Total noninterest income	$1,933,000	1,410
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$846,000	671
Trading account gains and fees	$0	108
Additional Noninterest Income	$1,087,000	1,591
Total noninterest expense	$7,183,000	1,516
Salaries and employee benefits	$3,832,000	1,613
Premises and equipment expense	$931,000	1,296
Additional noninterest expense	$2,420,000	1,384
Pre-tax net operating income	$1,924,000	2,248
Securities gains (losses)	$-4,129,000	4,710
Applicable income taxes	$-769,000	4,740
Income before extraordinary items	$-1,436,000	4,721
Extraordinary gains, net	$0	4
Net income	$-1,436,000	4,721
Minority interest net income	$0	60
Net income of bank and minority interests.	$-1,436,000	4,721
Net charge-offs	$52,000	944
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,825,910	2,143
2022-03-31 (YTD Data)		Rank
Total interest income	$3,729,000	1,808
Total interest expense	$255,000	1,895
Net interest income	$3,474,000	1,796
Provision for loan and lease losses	$45,000	1,393
Total noninterest income	$951,000	1,416
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$421,000	671
Trading account gains and fees	$0	103
Additional Noninterest Income	$530,000	1,612
Total noninterest expense	$3,562,000	1,512
Salaries and employee benefits	$1,913,000	1,623
Premises and equipment expense	$499,000	1,221
Additional noninterest expense	$1,150,000	1,419
Pre-tax net operating income	$818,000	2,358
Securities gains (losses)	$-1,338,000	4,729
Applicable income taxes	$-221,000	4,748
Income before extraordinary items	$-299,000	4,721
Extraordinary gains, net	$0	4
Net income	$-299,000	4,720
Minority interest net income	$0	50
Net income of bank and minority interests.	$-299,000	4,721
Net charge-offs	$4,000	1,408
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$758,020	2,284
2021-12-31 (YTD Data)		Rank
Total interest income	$14,293,000	1,940
Total interest expense	$1,391,000	1,770
Net interest income	$12,902,000	1,939
Provision for loan and lease losses	$825,000	709
Total noninterest income	$3,944,000	1,533
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$1,620,000	639
Trading account gains and fees	$0	132
Additional Noninterest Income	$2,324,000	1,769
Total noninterest expense	$13,795,000	1,557
Salaries and employee benefits	$7,435,000	1,643
Premises and equipment expense	$1,694,000	1,387
Additional noninterest expense	$4,666,000	1,403
Pre-tax net operating income	$2,226,000	3,011
Securities gains (losses)	$5,281,000	79
Applicable income taxes	$1,796,000	1,166
Income before extraordinary items	$5,711,000	1,717
Extraordinary gains, net	$0	10
Net income	$5,711,000	1,717
Minority interest net income	$0	74
Net income of bank and minority interests.	$5,711,000	1,718
Net charge-offs	$54,000	1,618
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$1,539,010	3,299
2021-09-30 (YTD Data)		Rank
Total interest income	$10,729,000	1,974
Total interest expense	$1,118,000	1,754
Net interest income	$9,611,000	1,972
Provision for loan and lease losses	$750,000	580
Total noninterest income	$2,918,000	1,584
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$1,167,000	654
Trading account gains and fees	$0	132
Additional Noninterest Income	$1,751,000	1,812
Total noninterest expense	$10,092,000	1,583
Salaries and employee benefits	$5,370,000	1,693
Premises and equipment expense	$1,273,000	1,414
Additional noninterest expense	$3,449,000	1,418
Pre-tax net operating income	$1,687,000	3,118
Securities gains (losses)	$2,574,000	98
Applicable income taxes	$967,000	1,483
Income before extraordinary items	$3,294,000	2,125
Extraordinary gains, net	$0	8
Net income	$3,294,000	2,126
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,294,000	2,126
Net charge-offs	$37,000	1,488
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$1,260,540	3,314
2021-06-30 (YTD Data)		Rank
Total interest income	$7,024,000	1,996
Total interest expense	$814,000	1,704
Net interest income	$6,210,000	1,995
Provision for loan and lease losses	$600,000	497
Total noninterest income	$1,921,000	1,560
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$752,000	653
Trading account gains and fees	$0	133
Additional Noninterest Income	$1,169,000	1,758
Total noninterest expense	$6,829,000	1,563
Salaries and employee benefits	$3,654,000	1,667
Premises and equipment expense	$877,000	1,367
Additional noninterest expense	$2,298,000	1,415
Pre-tax net operating income	$702,000	3,658
Securities gains (losses)	$2,857,000	80
Applicable income taxes	$845,000	1,272
Income before extraordinary items	$2,714,000	1,823
Extraordinary gains, net	$0	6
Net income	$2,714,000	1,824
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,714,000	1,823
Net charge-offs	$19,000	1,524
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$456,970	3,942
2021-03-31 (YTD Data)		Rank
Total interest income	$3,489,000	1,985
Total interest expense	$445,000	1,651
Net interest income	$3,044,000	2,010
Provision for loan and lease losses	$300,000	548
Total noninterest income	$949,000	1,561
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$373,000	648
Trading account gains and fees	$0	127
Additional Noninterest Income	$576,000	1,768
Total noninterest expense	$3,346,000	1,579
Salaries and employee benefits	$1,790,000	1,677
Premises and equipment expense	$454,000	1,344
Additional noninterest expense	$1,102,000	1,421
Pre-tax net operating income	$347,000	3,651
Securities gains (losses)	$1,549,000	79
Applicable income taxes	$455,000	1,202
Income before extraordinary items	$1,441,000	1,772
Extraordinary gains, net	$0	3
Net income	$1,441,000	1,772
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,441,000	1,772
Net charge-offs	$19,000	1,167
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$217,290	3,953
2020-12-31 (YTD Data)		Rank
Total interest income	$14,679,000	1,927
Total interest expense	$2,866,000	1,543
Net interest income	$11,813,000	1,976
Provision for loan and lease losses	$1,025,000	1,571
Total noninterest income	$3,737,000	1,529
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$1,628,000	620
Trading account gains and fees	$0	133
Additional Noninterest Income	$2,109,000	1,739
Total noninterest expense	$13,196,000	1,569
Salaries and employee benefits	$7,020,000	1,678
Premises and equipment expense	$1,705,000	1,382
Additional noninterest expense	$4,471,000	1,402
Pre-tax net operating income	$1,329,000	3,408
Securities gains (losses)	$973,000	379
Applicable income taxes	$301,000	2,301
Income before extraordinary items	$2,001,000	2,834
Extraordinary gains, net	$0	4
Net income	$2,001,000	2,833
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,001,000	2,834
Net charge-offs	$78,000	2,156
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$1,154,490	3,454
2020-09-30 (YTD Data)		Rank
Total interest income	$11,134,000	1,919
Total interest expense	$2,307,000	1,536
Net interest income	$8,827,000	1,984
Provision for loan and lease losses	$725,000	1,637
Total noninterest income	$2,745,000	1,503
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,179,000	631
Trading account gains and fees	$0	125
Additional Noninterest Income	$1,566,000	1,699
Total noninterest expense	$9,866,000	1,554
Salaries and employee benefits	$5,292,000	1,661
Premises and equipment expense	$1,277,000	1,370
Additional noninterest expense	$3,297,000	1,398
Pre-tax net operating income	$981,000	3,476
Securities gains (losses)	$-1,294,000	5,009
Applicable income taxes	$-385,000	4,972
Income before extraordinary items	$72,000	4,690
Extraordinary gains, net	$0	4
Net income	$72,000	4,690
Minority interest net income	$0	65
Net income of bank and minority interests.	$72,000	4,690
Net charge-offs	$55,000	2,008
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,094,260	3,180
2020-06-30 (YTD Data)		Rank
Total interest income	$7,427,000	1,936
Total interest expense	$1,598,000	1,575
Net interest income	$5,829,000	2,013
Provision for loan and lease losses	$425,000	1,749
Total noninterest income	$1,798,000	1,450
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$800,000	631
Trading account gains and fees	$0	123
Additional Noninterest Income	$998,000	1,675
Total noninterest expense	$6,544,000	1,547
Salaries and employee benefits	$3,523,000	1,654
Premises and equipment expense	$873,000	1,334
Additional noninterest expense	$2,148,000	1,416
Pre-tax net operating income	$658,000	3,456
Securities gains (losses)	$-2,082,000	5,036
Applicable income taxes	$-580,000	5,001
Income before extraordinary items	$-844,000	4,963
Extraordinary gains, net	$0	4
Net income	$-844,000	4,963
Minority interest net income	$0	65
Net income of bank and minority interests.	$-844,000	4,963
Net charge-offs	$48,000	1,753
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$800,780	3,062
2020-03-31 (YTD Data)		Rank
Total interest income	$3,757,000	1,907
Total interest expense	$836,000	1,646
Net interest income	$2,921,000	1,960
Provision for loan and lease losses	$175,000	1,537
Total noninterest income	$972,000	1,313
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$494,000	613
Trading account gains and fees	$0	106
Additional Noninterest Income	$478,000	1,563
Total noninterest expense	$3,367,000	1,523
Salaries and employee benefits	$1,848,000	1,602
Premises and equipment expense	$474,000	1,239
Additional noninterest expense	$1,045,000	1,464
Pre-tax net operating income	$351,000	3,226
Securities gains (losses)	$-4,433,000	5,085
Applicable income taxes	$-1,233,000	5,057
Income before extraordinary items	$-2,849,000	5,055
Extraordinary gains, net	$0	4
Net income	$-2,849,000	5,055
Minority interest net income	$0	56
Net income of bank and minority interests.	$-2,849,000	5,055
Net charge-offs	$23,000	1,537
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$653,070	2,249
2019-12-31 (YTD Data)		Rank
Total interest income	$15,252,000	1,891
Total interest expense	$3,584,000	1,609
Net interest income	$11,668,000	1,966
Provision for loan and lease losses	$600,000	1,331
Total noninterest income	$4,077,000	1,298
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$2,101,000	602
Trading account gains and fees	$0	135
Additional Noninterest Income	$1,976,000	1,550
Total noninterest expense	$13,194,000	1,518
Salaries and employee benefits	$7,420,000	1,553
Premises and equipment expense	$1,657,000	1,383
Additional noninterest expense	$4,117,000	1,471
Pre-tax net operating income	$1,951,000	3,060
Securities gains (losses)	$1,857,000	157
Applicable income taxes	$704,000	1,705
Income before extraordinary items	$3,104,000	2,235
Extraordinary gains, net	$0	11
Net income	$3,104,000	2,237
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,104,000	2,237
Net charge-offs	$116,000	2,108
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,581,260	3,175
2019-09-30 (YTD Data)		Rank
Total interest income	$11,537,000	1,903
Total interest expense	$2,700,000	1,609
Net interest income	$8,837,000	1,974
Provision for loan and lease losses	$450,000	1,249
Total noninterest income	$2,989,000	1,302
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$1,545,000	607
Trading account gains and fees	$0	129
Additional Noninterest Income	$1,444,000	1,568
Total noninterest expense	$9,817,000	1,529
Salaries and employee benefits	$5,490,000	1,573
Premises and equipment expense	$1,215,000	1,422
Additional noninterest expense	$3,112,000	1,471
Pre-tax net operating income	$1,559,000	3,053
Securities gains (losses)	$728,000	246
Applicable income taxes	$367,000	2,071
Income before extraordinary items	$1,920,000	2,598
Extraordinary gains, net	$0	11
Net income	$1,920,000	2,599
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,920,000	2,599
Net charge-offs	$99,000	1,772
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,308,480	3,104
2019-06-30 (YTD Data)		Rank
Total interest income	$7,656,000	1,910
Total interest expense	$1,783,000	1,594
Net interest income	$5,873,000	1,979
Provision for loan and lease losses	$300,000	1,195
Total noninterest income	$1,951,000	1,301
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$1,003,000	620
Trading account gains and fees	$0	131
Additional Noninterest Income	$948,000	1,544
Total noninterest expense	$6,628,000	1,511
Salaries and employee benefits	$3,671,000	1,579
Premises and equipment expense	$837,000	1,371
Additional noninterest expense	$2,120,000	1,459
Pre-tax net operating income	$896,000	3,246
Securities gains (losses)	$471,000	232
Applicable income taxes	$199,000	2,215
Income before extraordinary items	$1,168,000	2,710
Extraordinary gains, net	$0	11
Net income	$1,168,000	2,710
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,168,000	2,709
Net charge-offs	$67,000	1,636
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$767,650	3,289
2019-03-31 (YTD Data)		Rank
Total interest income	$3,774,000	1,929
Total interest expense	$848,000	1,608
Net interest income	$2,926,000	1,994
Provision for loan and lease losses	$150,000	1,133
Total noninterest income	$957,000	1,270
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$496,000	622
Trading account gains and fees	$0	126
Additional Noninterest Income	$461,000	1,525
Total noninterest expense	$3,285,000	1,538
Salaries and employee benefits	$1,818,000	1,600
Premises and equipment expense	$441,000	1,333
Additional noninterest expense	$1,026,000	1,491
Pre-tax net operating income	$448,000	3,226
Securities gains (losses)	$107,000	270
Applicable income taxes	$64,000	2,475
Income before extraordinary items	$491,000	2,917
Extraordinary gains, net	$0	5
Net income	$491,000	2,915
Minority interest net income	$0	52
Net income of bank and minority interests.	$491,000	2,916
Net charge-offs	$36,000	1,390
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$396,840	3,220
2018-12-31 (YTD Data)		Rank
Total interest income	$14,216,000	1,932
Total interest expense	$2,532,000	1,633
Net interest income	$11,684,000	1,987
Provision for loan and lease losses	$495,000	1,472
Total noninterest income	$3,924,000	1,286
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$2,063,000	616
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,861,000	1,569
Total noninterest expense	$12,298,000	1,573
Salaries and employee benefits	$6,939,000	1,618
Premises and equipment expense	$1,426,000	1,574
Additional noninterest expense	$3,933,000	1,523
Pre-tax net operating income	$2,815,000	2,605
Securities gains (losses)	$390,000	151
Applicable income taxes	$504,000	1,973
Income before extraordinary items	$2,701,000	2,476
Extraordinary gains, net	$0	6
Net income	$2,701,000	2,474
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,701,000	2,475
Net charge-offs	$84,000	2,271
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,373,400	2,662
2018-09-30 (YTD Data)		Rank
Total interest income	$10,472,000	1,953
Total interest expense	$1,746,000	1,658
Net interest income	$8,726,000	1,996
Provision for loan and lease losses	$360,000	1,414
Total noninterest income	$2,873,000	1,317
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,491,000	636
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,382,000	1,593
Total noninterest expense	$9,272,000	1,567
Salaries and employee benefits	$5,184,000	1,619
Premises and equipment expense	$1,108,000	1,538
Additional noninterest expense	$2,980,000	1,521
Pre-tax net operating income	$1,967,000	2,766
Securities gains (losses)	$326,000	158
Applicable income taxes	$347,000	2,111
Income before extraordinary items	$1,946,000	2,569
Extraordinary gains, net	$0	5
Net income	$1,946,000	2,568
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,946,000	2,568
Net charge-offs	$40,000	2,342
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,668,900	2,817
2018-06-30 (YTD Data)		Rank
Total interest income	$6,785,000	1,986
Total interest expense	$1,069,000	1,694
Net interest income	$5,716,000	2,026
Provision for loan and lease losses	$240,000	1,369
Total noninterest income	$1,885,000	1,340
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$969,000	648
Trading account gains and fees	$0	130
Additional Noninterest Income	$916,000	1,610
Total noninterest expense	$6,235,000	1,570
Salaries and employee benefits	$3,452,000	1,640
Premises and equipment expense	$773,000	1,480
Additional noninterest expense	$2,010,000	1,496
Pre-tax net operating income	$1,126,000	2,977
Securities gains (losses)	$214,000	166
Applicable income taxes	$179,000	2,310
Income before extraordinary items	$1,161,000	2,709
Extraordinary gains, net	$0	6
Net income	$1,161,000	2,708
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,161,000	2,708
Net charge-offs	$47,000	1,808
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$974,820	2,994
2018-03-31 (YTD Data)		Rank
Total interest income	$3,312,000	2,014
Total interest expense	$501,000	1,711
Net interest income	$2,811,000	2,047
Provision for loan and lease losses	$120,000	1,317
Total noninterest income	$915,000	1,346
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$471,000	668
Trading account gains and fees	$0	123
Additional Noninterest Income	$444,000	1,602
Total noninterest expense	$3,085,000	1,593
Salaries and employee benefits	$1,696,000	1,681
Premises and equipment expense	$419,000	1,395
Additional noninterest expense	$970,000	1,550
Pre-tax net operating income	$521,000	3,040
Securities gains (losses)	$134,000	144
Applicable income taxes	$87,000	2,275
Income before extraordinary items	$568,000	2,701
Extraordinary gains, net	$0	7
Net income	$568,000	2,701
Minority interest net income	$0	52
Net income of bank and minority interests.	$568,000	2,701
Net charge-offs	$2,000	2,440
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$451,420	3,055
2017-12-31 (YTD Data)		Rank
Total interest income	$12,769,000	2,014
Total interest expense	$1,848,000	1,629
Net interest income	$10,921,000	2,077
Provision for loan and lease losses	$480,000	1,487
Total noninterest income	$3,858,000	1,320
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$2,046,000	620
Trading account gains and fees	$0	151
Additional Noninterest Income	$1,812,000	1,626
Total noninterest expense	$11,865,000	1,633
Salaries and employee benefits	$6,570,000	1,683
Premises and equipment expense	$1,449,000	1,564
Additional noninterest expense	$3,846,000	1,574
Pre-tax net operating income	$2,434,000	2,790
Securities gains (losses)	$343,000	281
Applicable income taxes	$535,000	2,369
Income before extraordinary items	$2,242,000	2,498
Extraordinary gains, net	$0	9
Net income	$2,242,000	2,498
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,242,000	2,498
Net charge-offs	$231,000	1,709
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,964,170	2,711
2017-09-30 (YTD Data)		Rank
Total interest income	$9,515,000	2,029
Total interest expense	$1,355,000	1,642
Net interest income	$8,160,000	2,094
Provision for loan and lease losses	$360,000	1,438
Total noninterest income	$2,865,000	1,350
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$1,504,000	636
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,361,000	1,641
Total noninterest expense	$8,883,000	1,648
Salaries and employee benefits	$4,934,000	1,684
Premises and equipment expense	$1,088,000	1,562
Additional noninterest expense	$2,861,000	1,574
Pre-tax net operating income	$1,782,000	2,886
Securities gains (losses)	$343,000	267
Applicable income taxes	$470,000	2,124
Income before extraordinary items	$1,655,000	2,696
Extraordinary gains, net	$0	9
Net income	$1,655,000	2,695
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,655,000	2,696
Net charge-offs	$87,000	2,046
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,387,460	2,956
2017-06-30 (YTD Data)		Rank
Total interest income	$6,286,000	2,028
Total interest expense	$879,000	1,637
Net interest income	$5,407,000	2,085
Provision for loan and lease losses	$240,000	1,411
Total noninterest income	$1,883,000	1,362
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$986,000	636
Trading account gains and fees	$0	139
Additional Noninterest Income	$897,000	1,648
Total noninterest expense	$5,945,000	1,650
Salaries and employee benefits	$3,282,000	1,692
Premises and equipment expense	$755,000	1,521
Additional noninterest expense	$1,908,000	1,573
Pre-tax net operating income	$1,105,000	2,961
Securities gains (losses)	$265,000	236
Applicable income taxes	$307,000	2,126
Income before extraordinary items	$1,063,000	2,722
Extraordinary gains, net	$0	11
Net income	$1,063,000	2,722
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,063,000	2,722
Net charge-offs	$67,000	1,787
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$856,300	3,044
2017-03-31 (YTD Data)		Rank
Total interest income	$3,111,000	2,044
Total interest expense	$432,000	1,643
Net interest income	$2,679,000	2,088
Provision for loan and lease losses	$120,000	1,315
Total noninterest income	$859,000	1,437
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$466,000	675
Trading account gains and fees	$0	142
Additional Noninterest Income	$393,000	1,772
Total noninterest expense	$2,973,000	1,665
Salaries and employee benefits	$1,651,000	1,701
Premises and equipment expense	$394,000	1,481
Additional noninterest expense	$928,000	1,611
Pre-tax net operating income	$445,000	3,272
Securities gains (losses)	$265,000	135
Applicable income taxes	$152,000	2,100
Income before extraordinary items	$558,000	2,588
Extraordinary gains, net	$0	8
Net income	$558,000	2,588
Minority interest net income	$0	55
Net income of bank and minority interests.	$558,000	2,588
Net charge-offs	$28,000	1,693
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$348,650	3,353
2016-12-31 (YTD Data)		Rank
Total interest income	$11,663,000	2,122
Total interest expense	$1,600,000	1,714
Net interest income	$10,063,000	2,175
Provision for loan and lease losses	$480,000	1,515
Total noninterest income	$3,893,000	1,371
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$2,022,000	636
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,871,000	1,655
Total noninterest expense	$11,497,000	1,683
Salaries and employee benefits	$6,402,000	1,683
Premises and equipment expense	$1,344,000	1,682
Additional noninterest expense	$3,751,000	1,628
Pre-tax net operating income	$1,979,000	3,078
Securities gains (losses)	$327,000	618
Applicable income taxes	$320,000	2,606
Income before extraordinary items	$1,986,000	2,809
Extraordinary gains, net	$0	5
Net income	$1,986,000	2,807
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,986,000	2,808
Net charge-offs	$331,000	1,437
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,704,780	3,006
2016-09-30 (YTD Data)		Rank
Total interest income	$8,685,000	2,137
Total interest expense	$1,183,000	1,735
Net interest income	$7,502,000	2,181
Provision for loan and lease losses	$360,000	1,445
Total noninterest income	$2,885,000	1,377
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,480,000	659
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,405,000	1,652
Total noninterest expense	$8,669,000	1,674
Salaries and employee benefits	$4,838,000	1,673
Premises and equipment expense	$990,000	1,721
Additional noninterest expense	$2,841,000	1,612
Pre-tax net operating income	$1,358,000	3,268
Securities gains (losses)	$279,000	632
Applicable income taxes	$187,000	2,848
Income before extraordinary items	$1,450,000	2,875
Extraordinary gains, net	$0	5
Net income	$1,450,000	2,875
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,450,000	2,875
Net charge-offs	$254,000	1,280
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,201,690	3,144
2016-06-30 (YTD Data)		Rank
Total interest income	$5,735,000	2,163
Total interest expense	$776,000	1,757
Net interest income	$4,959,000	2,197
Provision for loan and lease losses	$240,000	1,451
Total noninterest income	$1,927,000	1,354
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$959,000	671
Trading account gains and fees	$0	157
Additional Noninterest Income	$968,000	1,587
Total noninterest expense	$5,731,000	1,683
Salaries and employee benefits	$3,179,000	1,694
Premises and equipment expense	$667,000	1,693
Additional noninterest expense	$1,885,000	1,619
Pre-tax net operating income	$915,000	3,233
Securities gains (losses)	$244,000	504
Applicable income taxes	$127,000	2,842
Income before extraordinary items	$1,032,000	2,743
Extraordinary gains, net	$0	16
Net income	$1,032,000	2,741
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,032,000	2,742
Net charge-offs	$114,000	1,510
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$814,840	3,093
2016-03-31 (YTD Data)		Rank
Total interest income	$2,839,000	2,173
Total interest expense	$376,000	1,801
Net interest income	$2,463,000	2,199
Provision for loan and lease losses	$120,000	1,367
Total noninterest income	$1,046,000	1,264
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$467,000	675
Trading account gains and fees	$0	142
Additional Noninterest Income	$579,000	1,377
Total noninterest expense	$2,879,000	1,683
Salaries and employee benefits	$1,584,000	1,714
Premises and equipment expense	$353,000	1,612
Additional noninterest expense	$942,000	1,611
Pre-tax net operating income	$510,000	3,011
Securities gains (losses)	$77,000	637
Applicable income taxes	$35,000	3,188
Income before extraordinary items	$552,000	2,584
Extraordinary gains, net	$0	12
Net income	$552,000	2,584
Minority interest net income	$0	62
Net income of bank and minority interests.	$552,000	2,584
Net charge-offs	$31,000	1,731
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$479,620	2,773
2015-12-31 (YTD Data)		Rank
Total interest income	$11,126,000	2,162
Total interest expense	$1,434,000	1,838
Net interest income	$9,692,000	2,207
Provision for loan and lease losses	$350,000	1,745
Total noninterest income	$3,526,000	1,422
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$1,976,000	667
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,550,000	1,815
Total noninterest expense	$10,906,000	1,743
Salaries and employee benefits	$5,977,000	1,748
Premises and equipment expense	$1,324,000	1,726
Additional noninterest expense	$3,605,000	1,682
Pre-tax net operating income	$1,962,000	3,042
Securities gains (losses)	$331,000	507
Applicable income taxes	$499,000	2,222
Income before extraordinary items	$1,794,000	2,915
Extraordinary gains, net	$0	23
Net income	$1,794,000	2,917
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,794,000	2,917
Net charge-offs	$276,000	1,687
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,535,820	3,136
2015-09-30 (YTD Data)		Rank
Total interest income	$8,310,000	2,184
Total interest expense	$1,061,000	1,878
Net interest income	$7,249,000	2,227
Provision for loan and lease losses	$225,000	1,803
Total noninterest income	$2,529,000	1,492
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$1,444,000	681
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,085,000	1,917
Total noninterest expense	$8,102,000	1,764
Salaries and employee benefits	$4,489,000	1,754
Premises and equipment expense	$991,000	1,742
Additional noninterest expense	$2,622,000	1,728
Pre-tax net operating income	$1,451,000	3,134
Securities gains (losses)	$296,000	484
Applicable income taxes	$356,000	2,317
Income before extraordinary items	$1,391,000	2,911
Extraordinary gains, net	$0	21
Net income	$1,391,000	2,910
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,391,000	2,912
Net charge-offs	$221,000	1,458
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,154,200	3,203
2015-06-30 (YTD Data)		Rank
Total interest income	$5,490,000	2,202
Total interest expense	$700,000	1,898
Net interest income	$4,790,000	2,237
Provision for loan and lease losses	$150,000	1,756
Total noninterest income	$1,637,000	1,519
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$950,000	675
Trading account gains and fees	$0	157
Additional Noninterest Income	$687,000	1,990
Total noninterest expense	$5,353,000	1,791
Salaries and employee benefits	$2,949,000	1,788
Premises and equipment expense	$682,000	1,704
Additional noninterest expense	$1,722,000	1,759
Pre-tax net operating income	$924,000	3,212
Securities gains (losses)	$296,000	382
Applicable income taxes	$301,000	2,123
Income before extraordinary items	$919,000	2,906
Extraordinary gains, net	$0	22
Net income	$919,000	2,906
Minority interest net income	$0	75
Net income of bank and minority interests.	$919,000	2,908
Net charge-offs	$61,000	2,167
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$697,000	3,359
2015-03-31 (YTD Data)		Rank
Total interest income	$2,728,000	2,205
Total interest expense	$344,000	1,946
Net interest income	$2,384,000	2,239
Provision for loan and lease losses	$75,000	1,675
Total noninterest income	$771,000	1,552
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$456,000	687
Trading account gains and fees	$0	152
Additional Noninterest Income	$315,000	2,057
Total noninterest expense	$2,721,000	1,760
Salaries and employee benefits	$1,491,000	1,781
Premises and equipment expense	$378,000	1,563
Additional noninterest expense	$852,000	1,764
Pre-tax net operating income	$359,000	3,578
Securities gains (losses)	$131,000	490
Applicable income taxes	$105,000	2,398
Income before extraordinary items	$385,000	3,195
Extraordinary gains, net	$0	13
Net income	$385,000	3,198
Minority interest net income	$0	64
Net income of bank and minority interests.	$385,000	3,198
Net charge-offs	$-9,000	5,373
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$281,510	3,674
2014-12-31 (YTD Data)		Rank
Total interest income	$10,332,000	2,328
Total interest expense	$1,190,000	2,279
Net interest income	$9,142,000	2,327
Provision for loan and lease losses	$175,000	2,634
Total noninterest income	$3,448,000	1,413
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,955,000	697
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,493,000	1,779
Total noninterest expense	$10,660,000	1,790
Salaries and employee benefits	$5,710,000	1,804
Premises and equipment expense	$1,414,000	1,655
Additional noninterest expense	$3,536,000	1,758
Pre-tax net operating income	$1,755,000	3,210
Securities gains (losses)	$310,000	593
Applicable income taxes	$494,000	2,221
Income before extraordinary items	$1,571,000	3,163
Extraordinary gains, net	$0	17
Net income	$1,571,000	3,163
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,571,000	3,164
Net charge-offs	$297,000	2,027
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,335,400	3,389
2014-09-30 (YTD Data)		Rank
Total interest income	$7,680,000	2,364
Total interest expense	$875,000	2,359
Net interest income	$6,805,000	2,350
Provision for loan and lease losses	$175,000	2,247
Total noninterest income	$2,594,000	1,420
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$1,448,000	705
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,146,000	1,778
Total noninterest expense	$7,986,000	1,791
Salaries and employee benefits	$4,253,000	1,823
Premises and equipment expense	$1,071,000	1,652
Additional noninterest expense	$2,662,000	1,733
Pre-tax net operating income	$1,238,000	3,375
Securities gains (losses)	$294,000	484
Applicable income taxes	$370,000	2,267
Income before extraordinary items	$1,162,000	3,211
Extraordinary gains, net	$0	15
Net income	$1,162,000	3,211
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,162,000	3,212
Net charge-offs	$193,000	2,035
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$938,560	3,568
2014-06-30 (YTD Data)		Rank
Total interest income	$5,041,000	2,390
Total interest expense	$578,000	2,390
Net interest income	$4,463,000	2,376
Provision for loan and lease losses	$175,000	1,769
Total noninterest income	$1,668,000	1,440
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$965,000	687
Trading account gains and fees	$0	172
Additional Noninterest Income	$703,000	1,846
Total noninterest expense	$5,267,000	1,805
Salaries and employee benefits	$2,839,000	1,817
Premises and equipment expense	$715,000	1,652
Additional noninterest expense	$1,713,000	1,789
Pre-tax net operating income	$689,000	3,613
Securities gains (losses)	$231,000	439
Applicable income taxes	$205,000	2,390
Income before extraordinary items	$715,000	3,297
Extraordinary gains, net	$0	20
Net income	$715,000	3,302
Minority interest net income	$0	80
Net income of bank and minority interests.	$715,000	3,302
Net charge-offs	$196,000	1,596
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$534,820	3,781
2014-03-31 (YTD Data)		Rank
Total interest income	$2,514,000	2,395
Total interest expense	$288,000	2,431
Net interest income	$2,226,000	2,364
Provision for loan and lease losses	$105,000	1,539
Total noninterest income	$816,000	1,435
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$471,000	688
Trading account gains and fees	$0	147
Additional Noninterest Income	$345,000	1,834
Total noninterest expense	$2,674,000	1,775
Salaries and employee benefits	$1,437,000	1,804
Premises and equipment expense	$380,000	1,587
Additional noninterest expense	$857,000	1,772
Pre-tax net operating income	$263,000	4,028
Securities gains (losses)	$91,000	474
Applicable income taxes	$64,000	2,756
Income before extraordinary items	$290,000	3,605
Extraordinary gains, net	$0	16
Net income	$290,000	3,608
Minority interest net income	$0	66
Net income of bank and minority interests.	$290,000	3,608
Net charge-offs	$45,000	1,951
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$215,380	4,077
2013-12-31 (YTD Data)		Rank
Total interest income	$10,286,000	2,361
Total interest expense	$1,274,000	2,453
Net interest income	$9,012,000	2,342
Provision for loan and lease losses	$480,000	1,898
Total noninterest income	$3,538,000	1,439
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$2,104,000	657
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,434,000	1,907
Total noninterest expense	$10,070,000	1,885
Salaries and employee benefits	$5,538,000	1,842
Premises and equipment expense	$1,222,000	1,889
Additional noninterest expense	$3,310,000	1,913
Pre-tax net operating income	$2,000,000	2,856
Securities gains (losses)	$447,000	500
Applicable income taxes	$740,000	1,764
Income before extraordinary items	$1,707,000	2,899
Extraordinary gains, net	$0	29
Net income	$1,707,000	2,901
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,707,000	2,902
Net charge-offs	$245,000	2,787
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,394,100	3,236
2013-09-30 (YTD Data)		Rank
Total interest income	$7,714,000	2,367
Total interest expense	$967,000	2,505
Net interest income	$6,747,000	2,339
Provision for loan and lease losses	$360,000	1,890
Total noninterest income	$2,671,000	1,457
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$1,563,000	662
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,108,000	1,911
Total noninterest expense	$7,571,000	1,884
Salaries and employee benefits	$4,160,000	1,848
Premises and equipment expense	$899,000	1,931
Additional noninterest expense	$2,512,000	1,881
Pre-tax net operating income	$1,487,000	2,934
Securities gains (losses)	$367,000	543
Applicable income taxes	$575,000	1,779
Income before extraordinary items	$1,279,000	2,950
Extraordinary gains, net	$0	25
Net income	$1,279,000	2,954
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,279,000	2,954
Net charge-offs	$204,000	2,537
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,025,770	3,305
2013-06-30 (YTD Data)		Rank
Total interest income	$5,164,000	2,358
Total interest expense	$654,000	2,532
Net interest income	$4,510,000	2,311
Provision for loan and lease losses	$240,000	1,905
Total noninterest income	$1,712,000	1,512
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$1,027,000	657
Trading account gains and fees	$0	157
Additional Noninterest Income	$685,000	2,056
Total noninterest expense	$5,067,000	1,880
Salaries and employee benefits	$2,801,000	1,840
Premises and equipment expense	$618,000	1,877
Additional noninterest expense	$1,648,000	1,905
Pre-tax net operating income	$915,000	3,060
Securities gains (losses)	$295,000	568
Applicable income taxes	$375,000	1,804
Income before extraordinary items	$835,000	2,974
Extraordinary gains, net	$0	22
Net income	$835,000	2,976
Minority interest net income	$0	82
Net income of bank and minority interests.	$835,000	2,977
Net charge-offs	$73,000	3,042
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$631,450	3,418
2013-03-31 (YTD Data)		Rank
Total interest income	$2,589,000	2,383
Total interest expense	$327,000	2,592
Net interest income	$2,262,000	2,319
Provision for loan and lease losses	$120,000	1,891
Total noninterest income	$826,000	1,533
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$511,000	649
Trading account gains and fees	$0	148
Additional Noninterest Income	$315,000	2,156
Total noninterest expense	$2,525,000	1,905
Salaries and employee benefits	$1,383,000	1,876
Premises and equipment expense	$336,000	1,771
Additional noninterest expense	$806,000	1,947
Pre-tax net operating income	$443,000	3,110
Securities gains (losses)	$70,000	793
Applicable income taxes	$152,000	1,978
Income before extraordinary items	$361,000	3,210
Extraordinary gains, net	$0	10
Net income	$361,000	3,210
Minority interest net income	$0	76
Net income of bank and minority interests.	$361,000	3,212
Net charge-offs	$59,000	2,298
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$312,000	3,411
2012-12-31 (YTD Data)		Rank
Total interest income	$11,613,000	2,244
Total interest expense	$1,623,000	2,557
Net interest income	$9,990,000	2,154
Provision for loan and lease losses	$480,000	2,767
Total noninterest income	$3,471,000	1,475
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$2,127,000	664
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,344,000	1,986
Total noninterest expense	$10,048,000	1,899
Salaries and employee benefits	$5,376,000	1,878
Premises and equipment expense	$1,170,000	1,995
Additional noninterest expense	$3,502,000	1,876
Pre-tax net operating income	$2,933,000	2,127
Securities gains (losses)	$53,000	2,698
Applicable income taxes	$960,000	1,513
Income before extraordinary items	$2,026,000	2,565
Extraordinary gains, net	$0	29
Net income	$2,026,000	2,567
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,026,000	2,566
Net charge-offs	$266,000	3,450
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,989,960	2,473
2012-09-30 (YTD Data)		Rank
Total interest income	$8,829,000	2,264
Total interest expense	$1,272,000	2,572
Net interest income	$7,557,000	2,171
Provision for loan and lease losses	$360,000	2,719
Total noninterest income	$2,535,000	1,500
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$1,549,000	692
Trading account gains and fees	$0	157
Additional Noninterest Income	$986,000	2,011
Total noninterest expense	$7,575,000	1,893
Salaries and employee benefits	$4,034,000	1,868
Premises and equipment expense	$871,000	2,026
Additional noninterest expense	$2,670,000	1,863
Pre-tax net operating income	$2,157,000	2,212
Securities gains (losses)	$53,000	2,416
Applicable income taxes	$711,000	1,560
Income before extraordinary items	$1,499,000	2,649
Extraordinary gains, net	$0	20
Net income	$1,499,000	2,650
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,499,000	2,650
Net charge-offs	$237,000	3,101
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,462,960	2,556
2012-06-30 (YTD Data)		Rank
Total interest income	$5,938,000	2,255
Total interest expense	$904,000	2,514
Net interest income	$5,034,000	2,174
Provision for loan and lease losses	$240,000	2,731
Total noninterest income	$1,682,000	1,492
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$1,014,000	694
Trading account gains and fees	$0	153
Additional Noninterest Income	$668,000	1,971
Total noninterest expense	$5,143,000	1,864
Salaries and employee benefits	$2,688,000	1,858
Premises and equipment expense	$607,000	1,945
Additional noninterest expense	$1,848,000	1,800
Pre-tax net operating income	$1,333,000	2,333
Securities gains (losses)	$40,000	2,188
Applicable income taxes	$433,000	1,643
Income before extraordinary items	$940,000	2,724
Extraordinary gains, net	$0	19
Net income	$940,000	2,725
Minority interest net income	$0	84
Net income of bank and minority interests.	$940,000	2,725
Net charge-offs	$216,000	2,661
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$912,800	2,644
2012-03-31 (YTD Data)		Rank
Total interest income	$2,975,000	2,272
Total interest expense	$464,000	2,546
Net interest income	$2,511,000	2,187
Provision for loan and lease losses	$120,000	2,650
Total noninterest income	$800,000	1,526
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$498,000	704
Trading account gains and fees	$0	148
Additional Noninterest Income	$302,000	2,092
Total noninterest expense	$2,535,000	1,882
Salaries and employee benefits	$1,317,000	1,912
Premises and equipment expense	$322,000	1,847
Additional noninterest expense	$896,000	1,850
Pre-tax net operating income	$656,000	2,375
Securities gains (losses)	$30,000	1,442
Applicable income taxes	$217,000	1,638
Income before extraordinary items	$469,000	2,743
Extraordinary gains, net	$0	19
Net income	$469,000	2,745
Minority interest net income	$0	78
Net income of bank and minority interests.	$469,000	2,746
Net charge-offs	$57,000	2,915
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$448,600	2,703
2011-12-31 (YTD Data)		Rank
Total interest income	$11,955,000	2,331
Total interest expense	$2,145,000	2,624
Net interest income	$9,810,000	2,233
Provision for loan and lease losses	$315,000	4,034
Total noninterest income	$3,287,000	1,395
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$1,990,000	735
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,297,000	1,803
Total noninterest expense	$10,126,000	1,893
Salaries and employee benefits	$5,338,000	1,832
Premises and equipment expense	$1,247,000	1,985
Additional noninterest expense	$3,541,000	1,902
Pre-tax net operating income	$2,656,000	2,039
Securities gains (losses)	$76,000	2,269
Applicable income taxes	$855,000	1,495
Income before extraordinary items	$1,877,000	2,383
Extraordinary gains, net	$0	29
Net income	$1,877,000	2,383
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,877,000	2,384
Net charge-offs	$630,000	2,897
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,824,560	2,348
2011-09-30 (YTD Data)		Rank
Total interest income	$8,994,000	2,349
Total interest expense	$1,659,000	2,651
Net interest income	$7,335,000	2,249
Provision for loan and lease losses	$225,000	3,970
Total noninterest income	$2,428,000	1,401
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$1,433,000	762
Trading account gains and fees	$0	145
Additional Noninterest Income	$995,000	1,769
Total noninterest expense	$7,552,000	1,903
Salaries and employee benefits	$4,002,000	1,830
Premises and equipment expense	$942,000	1,995
Additional noninterest expense	$2,608,000	1,940
Pre-tax net operating income	$1,986,000	2,099
Securities gains (losses)	$76,000	2,017
Applicable income taxes	$643,000	1,504
Income before extraordinary items	$1,419,000	2,429
Extraordinary gains, net	$0	21
Net income	$1,419,000	2,431
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,419,000	2,431
Net charge-offs	$241,000	3,496
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,366,560	2,389
2011-06-30 (YTD Data)		Rank
Total interest income	$6,038,000	2,355
Total interest expense	$1,141,000	2,670
Net interest income	$4,897,000	2,242
Provision for loan and lease losses	$150,000	3,873
Total noninterest income	$1,614,000	1,400
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$927,000	787
Trading account gains and fees	$0	153
Additional Noninterest Income	$687,000	1,729
Total noninterest expense	$5,081,000	1,899
Salaries and employee benefits	$2,660,000	1,850
Premises and equipment expense	$669,000	1,895
Additional noninterest expense	$1,752,000	1,947
Pre-tax net operating income	$1,280,000	2,126
Securities gains (losses)	$53,000	1,564
Applicable income taxes	$407,000	1,503
Income before extraordinary items	$926,000	2,417
Extraordinary gains, net	$0	15
Net income	$926,000	2,417
Minority interest net income	$0	89
Net income of bank and minority interests.	$926,000	2,417
Net charge-offs	$206,000	3,083
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$889,430	2,398
2011-03-31 (YTD Data)		Rank
Total interest income	$3,032,000	2,363
Total interest expense	$581,000	2,701
Net interest income	$2,451,000	2,232
Provision for loan and lease losses	$75,000	3,668
Total noninterest income	$762,000	1,470
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$448,000	802
Trading account gains and fees	$0	158
Additional Noninterest Income	$314,000	1,860
Total noninterest expense	$2,558,000	1,904
Salaries and employee benefits	$1,329,000	1,870
Premises and equipment expense	$371,000	1,738
Additional noninterest expense	$858,000	1,972
Pre-tax net operating income	$580,000	2,286
Securities gains (losses)	$-13,000	7,198
Applicable income taxes	$156,000	1,761
Income before extraordinary items	$411,000	2,607
Extraordinary gains, net	$0	9
Net income	$411,000	2,606
Minority interest net income	$0	86
Net income of bank and minority interests.	$411,000	2,607
Net charge-offs	$191,000	2,156
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$420,360	2,506
2010-12-31 (YTD Data)		Rank
Total interest income	$12,963,000	2,315
Total interest expense	$3,220,000	2,440
Net interest income	$9,743,000	2,252
Provision for loan and lease losses	$300,000	4,839
Total noninterest income	$3,206,000	1,475
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$2,039,000	742
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,167,000	1,987
Total noninterest expense	$9,724,000	1,997
Salaries and employee benefits	$5,164,000	1,884
Premises and equipment expense	$1,261,000	2,011
Additional noninterest expense	$3,299,000	2,110
Pre-tax net operating income	$2,925,000	1,658
Securities gains (losses)	$51,000	2,642
Applicable income taxes	$957,000	1,265
Income before extraordinary items	$2,019,000	2,008
Extraordinary gains, net	$0	29
Net income	$2,019,000	2,008
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,019,000	2,009
Net charge-offs	$764,000	3,055
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,984,320	1,964
2010-09-30 (YTD Data)		Rank
Total interest income	$9,880,000	2,336
Total interest expense	$2,537,000	2,437
Net interest income	$7,343,000	2,290
Provision for loan and lease losses	$225,000	4,711
Total noninterest income	$2,380,000	1,484
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$1,510,000	766
Trading account gains and fees	$0	165
Additional Noninterest Income	$870,000	1,975
Total noninterest expense	$7,252,000	1,999
Salaries and employee benefits	$3,895,000	1,870
Premises and equipment expense	$945,000	2,039
Additional noninterest expense	$2,412,000	2,128
Pre-tax net operating income	$2,246,000	1,745
Securities gains (losses)	$51,000	2,392
Applicable income taxes	$758,000	1,258
Income before extraordinary items	$1,539,000	2,099
Extraordinary gains, net	$0	23
Net income	$1,539,000	2,100
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,539,000	2,101
Net charge-offs	$580,000	2,874
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,504,830	2,041
2010-06-30 (YTD Data)		Rank
Total interest income	$6,712,000	2,324
Total interest expense	$1,765,000	2,434
Net interest income	$4,947,000	2,248
Provision for loan and lease losses	$150,000	4,587
Total noninterest income	$1,539,000	1,486
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$956,000	810
Trading account gains and fees	$0	152
Additional Noninterest Income	$583,000	1,897
Total noninterest expense	$4,821,000	2,028
Salaries and employee benefits	$2,553,000	1,911
Premises and equipment expense	$649,000	2,000
Additional noninterest expense	$1,619,000	2,110
Pre-tax net operating income	$1,515,000	1,712
Securities gains (losses)	$51,000	1,869
Applicable income taxes	$526,000	1,173
Income before extraordinary items	$1,040,000	2,044
Extraordinary gains, net	$0	19
Net income	$1,040,000	2,042
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,040,000	2,044
Net charge-offs	$564,000	2,309
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,006,340	2,034
2010-03-31 (YTD Data)		Rank
Total interest income	$3,396,000	2,358
Total interest expense	$904,000	2,485
Net interest income	$2,492,000	2,245
Provision for loan and lease losses	$75,000	4,293
Total noninterest income	$728,000	1,544
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$457,000	857
Trading account gains and fees	$0	175
Additional Noninterest Income	$271,000	1,971
Total noninterest expense	$2,430,000	2,024
Salaries and employee benefits	$1,291,000	1,926
Premises and equipment expense	$344,000	1,957
Additional noninterest expense	$795,000	2,134
Pre-tax net operating income	$715,000	1,791
Securities gains (losses)	$42,000	1,216
Applicable income taxes	$260,000	1,170
Income before extraordinary items	$497,000	2,151
Extraordinary gains, net	$0	16
Net income	$497,000	2,150
Minority interest net income	$0	91
Net income of bank and minority interests.	$497,000	2,151
Net charge-offs	$507,000	1,568
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$469,280	2,166
2009-12-31 (YTD Data)		Rank
Total interest income	$14,363,000	2,332
Total interest expense	$4,985,000	2,267
Net interest income	$9,378,000	2,328
Provision for loan and lease losses	$255,000	5,487
Total noninterest income	$3,184,000	1,543
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,956,000	880
Trading account gains and fees	$0	211
Additional Noninterest Income	$1,228,000	1,883
Total noninterest expense	$9,997,000	2,024
Salaries and employee benefits	$5,073,000	1,943
Premises and equipment expense	$1,366,000	1,968
Additional noninterest expense	$3,558,000	2,034
Pre-tax net operating income	$2,310,000	1,687
Securities gains (losses)	$-14,000	7,034
Applicable income taxes	$723,000	1,216
Income before extraordinary items	$1,573,000	2,037
Extraordinary gains, net	$0	34
Net income	$1,573,000	2,033
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,573,000	2,035
Net charge-offs	$101,000	5,684
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,582,660	1,994
2009-09-30 (YTD Data)		Rank
Total interest income	$10,862,000	2,338
Total interest expense	$3,896,000	2,269
Net interest income	$6,966,000	2,340
Provision for loan and lease losses	$180,000	5,277
Total noninterest income	$2,351,000	1,582
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$1,415,000	914
Trading account gains and fees	$0	212
Additional Noninterest Income	$936,000	1,913
Total noninterest expense	$7,499,000	2,013
Salaries and employee benefits	$3,804,000	1,951
Premises and equipment expense	$1,039,000	1,959
Additional noninterest expense	$2,656,000	1,990
Pre-tax net operating income	$1,638,000	1,896
Securities gains (losses)	$-23,000	7,297
Applicable income taxes	$506,000	1,391
Income before extraordinary items	$1,109,000	2,297
Extraordinary gains, net	$0	27
Net income	$1,109,000	2,295
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,109,000	2,298
Net charge-offs	$86,000	5,202
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,124,870	2,239
2009-06-30 (YTD Data)		Rank
Total interest income	$7,364,000	2,339
Total interest expense	$2,652,000	2,313
Net interest income	$4,712,000	2,320
Provision for loan and lease losses	$105,000	5,253
Total noninterest income	$1,524,000	1,628
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$900,000	946
Trading account gains and fees	$0	193
Additional Noninterest Income	$624,000	1,945
Total noninterest expense	$5,062,000	2,009
Salaries and employee benefits	$2,501,000	2,015
Premises and equipment expense	$714,000	1,930
Additional noninterest expense	$1,847,000	1,933
Pre-tax net operating income	$1,069,000	2,002
Securities gains (losses)	$-31,000	7,560
Applicable income taxes	$322,000	1,464
Income before extraordinary items	$716,000	2,438
Extraordinary gains, net	$0	21
Net income	$716,000	2,436
Minority interest net income	$0	112
Net income of bank and minority interests.	$716,000	2,438
Net charge-offs	$65,000	4,675
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$737,390	2,303
2009-03-31 (YTD Data)		Rank
Total interest income	$3,662,000	2,374
Total interest expense	$1,315,000	2,415
Net interest income	$2,347,000	2,319
Provision for loan and lease losses	$45,000	4,992
Total noninterest income	$721,000	1,666
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$429,000	963
Trading account gains and fees	$0	171
Additional Noninterest Income	$292,000	1,998
Total noninterest expense	$2,427,000	2,036
Salaries and employee benefits	$1,267,000	2,025
Premises and equipment expense	$392,000	1,804
Additional noninterest expense	$768,000	2,060
Pre-tax net operating income	$596,000	2,064
Securities gains (losses)	$0	2,434
Applicable income taxes	$188,000	1,524
Income before extraordinary items	$408,000	2,532
Extraordinary gains, net	$0	15
Net income	$408,000	2,532
Minority interest net income	$0	102
Net income of bank and minority interests.	$408,000	2,534
Net charge-offs	$15,000	4,515
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$408,000	2,389
2008-12-31 (YTD Data)		Rank
Total interest income	$14,747,000	2,504
Total interest expense	$5,462,000	2,746
Net interest income	$9,285,000	2,356
Provision for loan and lease losses	$120,000	5,805
Total noninterest income	$2,841,000	1,649
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,870,000	961
Trading account gains and fees	$0	154
Additional Noninterest Income	$971,000	2,161
Total noninterest expense	$9,145,000	2,102
Salaries and employee benefits	$4,689,000	2,166
Premises and equipment expense	$1,516,000	1,800
Additional noninterest expense	$2,940,000	2,039
Pre-tax net operating income	$2,861,000	1,880
Securities gains (losses)	$-1,085,000	7,766
Applicable income taxes	$512,000	1,834
Income before extraordinary items	$1,264,000	2,817
Extraordinary gains, net	$0	39
Net income	$1,264,000	2,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	5,490
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,034,350	2,080
2008-09-30 (YTD Data)		Rank
Total interest income	$10,992,000	2,573
Total interest expense	$4,128,000	2,831
Net interest income	$6,864,000	2,405
Provision for loan and lease losses	$75,000	5,494
Total noninterest income	$2,105,000	1,707
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$1,368,000	988
Trading account gains and fees	$0	148
Additional Noninterest Income	$737,000	2,231
Total noninterest expense	$6,863,000	2,098
Salaries and employee benefits	$3,559,000	2,171
Premises and equipment expense	$1,139,000	1,798
Additional noninterest expense	$2,165,000	2,010
Pre-tax net operating income	$2,031,000	2,289
Securities gains (losses)	$-1,137,000	7,957
Applicable income taxes	$207,000	2,875
Income before extraordinary items	$687,000	3,852
Extraordinary gains, net	$0	31
Net income	$687,000	3,851
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	4,860
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,562,490	2,365
2008-06-30 (YTD Data)		Rank
Total interest income	$7,221,000	2,642
Total interest expense	$2,875,000	2,813
Net interest income	$4,346,000	2,517
Provision for loan and lease losses	$30,000	5,577
Total noninterest income	$1,392,000	1,743
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$897,000	986
Trading account gains and fees	$0	149
Additional Noninterest Income	$495,000	2,267
Total noninterest expense	$4,590,000	2,097
Salaries and employee benefits	$2,371,000	2,192
Premises and equipment expense	$774,000	1,771
Additional noninterest expense	$1,445,000	1,993
Pre-tax net operating income	$1,118,000	2,725
Securities gains (losses)	$94,000	1,021
Applicable income taxes	$332,000	2,084
Income before extraordinary items	$880,000	2,852
Extraordinary gains, net	$0	21
Net income	$880,000	2,852
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	4,369
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$811,380	2,974
2008-03-31 (YTD Data)		Rank
Total interest income	$3,550,000	2,756
Total interest expense	$1,490,000	2,903
Net interest income	$2,060,000	2,646
Provision for loan and lease losses	$15,000	5,068
Total noninterest income	$685,000	1,777
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$450,000	957
Trading account gains and fees	$0	158
Additional Noninterest Income	$235,000	2,319
Total noninterest expense	$2,341,000	2,045
Salaries and employee benefits	$1,206,000	2,178
Premises and equipment expense	$413,000	1,676
Additional noninterest expense	$722,000	1,948
Pre-tax net operating income	$389,000	3,603
Securities gains (losses)	$137,000	576
Applicable income taxes	$135,000	2,445
Income before extraordinary items	$391,000	3,240
Extraordinary gains, net	$0	15
Net income	$391,000	3,242
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	3,215
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$289,620	3,798
2007-12-31 (YTD Data)		Rank
Total interest income	$14,132,000	2,835
Total interest expense	$5,655,000	3,157
Net interest income	$8,477,000	2,584
Provision for loan and lease losses	$15,000	6,431
Total noninterest income	$2,621,000	1,811
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,765,000	1,015
Trading account gains and fees	$0	178
Additional Noninterest Income	$856,000	2,461
Total noninterest expense	$9,164,000	2,009
Salaries and employee benefits	$4,695,000	2,147
Premises and equipment expense	$1,513,000	1,735
Additional noninterest expense	$2,956,000	1,866
Pre-tax net operating income	$1,919,000	3,400
Securities gains (losses)	$335,000	332
Applicable income taxes	$647,000	2,407
Income before extraordinary items	$1,607,000	3,284
Extraordinary gains, net	$0	39
Net income	$1,607,000	3,283
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	7,873
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,369,150	3,617
2007-09-30 (YTD Data)		Rank
Total interest income	$10,555,000	2,851
Total interest expense	$4,233,000	3,161
Net interest income	$6,322,000	2,613
Provision for loan and lease losses	$15,000	5,999
Total noninterest income	$1,887,000	1,870
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$1,269,000	1,037
Trading account gains and fees	$0	184
Additional Noninterest Income	$618,000	2,517
Total noninterest expense	$6,882,000	1,992
Salaries and employee benefits	$3,573,000	2,117
Premises and equipment expense	$1,119,000	1,758
Additional noninterest expense	$2,190,000	1,844
Pre-tax net operating income	$1,312,000	3,760
Securities gains (losses)	$336,000	290
Applicable income taxes	$469,000	2,611
Income before extraordinary items	$1,179,000	3,510
Extraordinary gains, net	$0	33
Net income	$1,179,000	3,509
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	7,769
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$937,080	4,000
2007-06-30 (YTD Data)		Rank
Total interest income	$7,005,000	2,879
Total interest expense	$2,785,000	3,188
Net interest income	$4,220,000	2,639
Provision for loan and lease losses	$15,000	5,502
Total noninterest income	$1,207,000	1,957
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$801,000	1,102
Trading account gains and fees	$0	168
Additional Noninterest Income	$406,000	2,546
Total noninterest expense	$4,604,000	2,011
Salaries and employee benefits	$2,404,000	2,128
Premises and equipment expense	$757,000	1,754
Additional noninterest expense	$1,443,000	1,877
Pre-tax net operating income	$808,000	4,001
Securities gains (losses)	$315,000	248
Applicable income taxes	$319,000	2,661
Income before extraordinary items	$804,000	3,510
Extraordinary gains, net	$0	29
Net income	$804,000	3,510
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	8,022
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$577,200	4,236
2007-03-31 (YTD Data)		Rank
Total interest income	$3,512,000	2,856
Total interest expense	$1,395,000	3,174
Net interest income	$2,117,000	2,629
Provision for loan and lease losses	$15,000	4,592
Total noninterest income	$560,000	2,052
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$365,000	1,183
Trading account gains and fees	$0	195
Additional Noninterest Income	$195,000	2,586
Total noninterest expense	$2,291,000	2,024
Salaries and employee benefits	$1,226,000	2,091
Premises and equipment expense	$390,000	1,711
Additional noninterest expense	$675,000	1,958
Pre-tax net operating income	$371,000	4,178
Securities gains (losses)	$115,000	283
Applicable income taxes	$128,000	2,948
Income before extraordinary items	$358,000	3,762
Extraordinary gains, net	$0	22
Net income	$358,000	3,763
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-28,000	8,247
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$272,900	4,359
2006-12-31 (YTD Data)		Rank
Total interest income	$13,826,000	2,727
Total interest expense	$4,639,000	3,222
Net interest income	$9,187,000	2,471
Provision for loan and lease losses	$30,000	6,013
Total noninterest income	$2,369,000	1,960
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,603,000	1,101
Trading account gains and fees	$0	130
Additional Noninterest Income	$766,000	2,643
Total noninterest expense	$8,695,000	2,026
Salaries and employee benefits	$4,705,000	2,078
Premises and equipment expense	$1,382,000	1,821
Additional noninterest expense	$2,608,000	2,037
Pre-tax net operating income	$2,831,000	2,882
Securities gains (losses)	$13,000	1,022
Applicable income taxes	$897,000	2,335
Income before extraordinary items	$1,947,000	3,159
Extraordinary gains, net	$0	51
Net income	$1,947,000	3,158
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	4,644
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,938,160	3,154
2006-09-30 (YTD Data)		Rank
Total interest income	$10,260,000	2,735
Total interest expense	$3,307,000	3,247
Net interest income	$6,953,000	2,469
Provision for loan and lease losses	$15,000	6,184
Total noninterest income	$1,716,000	2,022
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$1,130,000	1,187
Trading account gains and fees	$0	126
Additional Noninterest Income	$586,000	2,612
Total noninterest expense	$6,452,000	2,043
Salaries and employee benefits	$3,533,000	2,073
Premises and equipment expense	$1,020,000	1,855
Additional noninterest expense	$1,899,000	2,071
Pre-tax net operating income	$2,202,000	2,923
Securities gains (losses)	$-7,000	7,492
Applicable income taxes	$701,000	2,383
Income before extraordinary items	$1,494,000	3,217
Extraordinary gains, net	$0	45
Net income	$1,494,000	3,218
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	4,313
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,498,760	3,204
2006-06-30 (YTD Data)		Rank
Total interest income	$6,740,000	2,734
Total interest expense	$2,061,000	3,298
Net interest income	$4,679,000	2,448
Provision for loan and lease losses	$0	6,419
Total noninterest income	$1,028,000	2,174
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$649,000	1,361
Trading account gains and fees	$0	126
Additional Noninterest Income	$379,000	2,640
Total noninterest expense	$4,263,000	2,065
Salaries and employee benefits	$2,352,000	2,079
Premises and equipment expense	$682,000	1,852
Additional noninterest expense	$1,229,000	2,126
Pre-tax net operating income	$1,444,000	2,956
Securities gains (losses)	$73,000	389
Applicable income taxes	$480,000	2,376
Income before extraordinary items	$1,037,000	3,133
Extraordinary gains, net	$0	39
Net income	$1,037,000	3,135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,558
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$987,360	3,238
2006-03-31 (YTD Data)		Rank
Total interest income	$3,316,000	2,726
Total interest expense	$947,000	3,392
Net interest income	$2,369,000	2,425
Provision for loan and lease losses	$0	6,013
Total noninterest income	$359,000	2,726
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$176,000	2,265
Trading account gains and fees	$1,000	111
Additional Noninterest Income	$182,000	2,657
Total noninterest expense	$2,131,000	2,075
Salaries and employee benefits	$1,193,000	2,060
Premises and equipment expense	$350,000	1,806
Additional noninterest expense	$588,000	2,198
Pre-tax net operating income	$597,000	3,324
Securities gains (losses)	$75,000	288
Applicable income taxes	$217,000	2,494
Income before extraordinary items	$455,000	3,390
Extraordinary gains, net	$0	21
Net income	$455,000	3,389
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,786
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$404,000	3,674
2005-12-31 (YTD Data)		Rank
Total interest income	$12,532,000	2,614
Total interest expense	$3,276,000	3,102
Net interest income	$9,256,000	2,390
Provision for loan and lease losses	$45,000	5,862
Total noninterest income	$1,393,000	2,826
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$739,000	2,251
Trading account gains and fees	$0	138
Additional Noninterest Income	$654,000	2,899
Total noninterest expense	$8,418,000	1,983
Salaries and employee benefits	$4,712,000	1,960
Premises and equipment expense	$1,364,000	1,773
Additional noninterest expense	$2,342,000	2,134
Pre-tax net operating income	$2,186,000	3,471
Securities gains (losses)	$264,000	439
Applicable income taxes	$741,000	2,723
Income before extraordinary items	$1,709,000	3,486
Extraordinary gains, net	$0	46
Net income	$1,709,000	3,487
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,618
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,524,200	3,712
2005-09-30 (YTD Data)		Rank
Total interest income	$9,234,000	2,602
Total interest expense	$2,364,000	3,066
Net interest income	$6,870,000	2,384
Provision for loan and lease losses	$45,000	5,313
Total noninterest income	$1,033,000	2,840
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$548,000	2,267
Trading account gains and fees	$0	126
Additional Noninterest Income	$485,000	2,943
Total noninterest expense	$6,380,000	1,951
Salaries and employee benefits	$3,563,000	1,925
Premises and equipment expense	$1,030,000	1,756
Additional noninterest expense	$1,787,000	2,083
Pre-tax net operating income	$1,478,000	3,791
Securities gains (losses)	$264,000	413
Applicable income taxes	$517,000	2,885
Income before extraordinary items	$1,225,000	3,612
Extraordinary gains, net	$0	35
Net income	$1,225,000	3,613
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,687
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,040,200	4,019
2005-06-30 (YTD Data)		Rank
Total interest income	$6,055,000	2,583
Total interest expense	$1,519,000	3,013
Net interest income	$4,536,000	2,379
Provision for loan and lease losses	$30,000	5,130
Total noninterest income	$669,000	2,866
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$356,000	2,276
Trading account gains and fees	$0	116
Additional Noninterest Income	$313,000	2,985
Total noninterest expense	$4,295,000	1,929
Salaries and employee benefits	$2,396,000	1,903
Premises and equipment expense	$703,000	1,709
Additional noninterest expense	$1,196,000	2,057
Pre-tax net operating income	$880,000	4,050
Securities gains (losses)	$264,000	351
Applicable income taxes	$338,000	2,888
Income before extraordinary items	$806,000	3,621
Extraordinary gains, net	$0	30
Net income	$806,000	3,623
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,238
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$621,200	4,271
2005-03-31 (YTD Data)		Rank
Total interest income	$2,967,000	2,593
Total interest expense	$737,000	2,995
Net interest income	$2,230,000	2,403
Provision for loan and lease losses	$15,000	4,875
Total noninterest income	$332,000	2,831
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$178,000	2,221
Trading account gains and fees	$0	115
Additional Noninterest Income	$154,000	2,929
Total noninterest expense	$2,162,000	1,920
Salaries and employee benefits	$1,205,000	1,901
Premises and equipment expense	$367,000	1,653
Additional noninterest expense	$590,000	2,078
Pre-tax net operating income	$385,000	4,372
Securities gains (losses)	$100,000	366
Applicable income taxes	$133,000	3,303
Income before extraordinary items	$352,000	3,943
Extraordinary gains, net	$0	24
Net income	$352,000	3,945
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,095
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$279,000	4,530
2004-12-31 (YTD Data)		Rank
Total interest income	$12,040,000	2,382
Total interest expense	$2,975,000	2,650
Net interest income	$9,065,000	2,255
Provision for loan and lease losses	$60,000	5,645
Total noninterest income	$1,346,000	2,890
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$688,000	2,407
Trading account gains and fees	$0	138
Additional Noninterest Income	$658,000	2,823
Total noninterest expense	$8,036,000	2,000
Salaries and employee benefits	$4,627,000	1,889
Premises and equipment expense	$1,164,000	1,978
Additional noninterest expense	$2,245,000	2,174
Pre-tax net operating income	$2,315,000	3,190
Securities gains (losses)	$268,000	693
Applicable income taxes	$773,000	2,587
Income before extraordinary items	$1,810,000	3,174
Extraordinary gains, net	$0	34
Net income	$1,810,000	3,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,855
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,622,400	3,363
2004-09-30 (YTD Data)		Rank
Total interest income	$9,028,000	2,352
Total interest expense	$2,250,000	2,593
Net interest income	$6,778,000	2,231
Provision for loan and lease losses	$45,000	5,471
Total noninterest income	$1,003,000	2,920
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$504,000	2,483
Trading account gains and fees	$0	134
Additional Noninterest Income	$499,000	2,810
Total noninterest expense	$6,014,000	1,993
Salaries and employee benefits	$3,466,000	1,889
Premises and equipment expense	$873,000	1,984
Additional noninterest expense	$1,675,000	2,154
Pre-tax net operating income	$1,722,000	3,255
Securities gains (losses)	$268,000	645
Applicable income taxes	$602,000	2,568
Income before extraordinary items	$1,388,000	3,167
Extraordinary gains, net	$0	26
Net income	$1,388,000	3,168
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,579
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,200,400	3,465
2004-06-30 (YTD Data)		Rank
Total interest income	$6,042,000	2,336
Total interest expense	$1,522,000	2,545
Net interest income	$4,520,000	2,210
Provision for loan and lease losses	$30,000	5,293
Total noninterest income	$639,000	3,034
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$332,000	2,505
Trading account gains and fees	$0	130
Additional Noninterest Income	$307,000	2,947
Total noninterest expense	$4,000,000	1,993
Salaries and employee benefits	$2,302,000	1,887
Premises and equipment expense	$599,000	1,908
Additional noninterest expense	$1,099,000	2,207
Pre-tax net operating income	$1,129,000	3,265
Securities gains (losses)	$248,000	559
Applicable income taxes	$417,000	2,492
Income before extraordinary items	$960,000	3,034
Extraordinary gains, net	$0	21
Net income	$960,000	3,034
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$786,400	3,474
2004-03-31 (YTD Data)		Rank
Total interest income	$3,056,000	2,297
Total interest expense	$772,000	2,532
Net interest income	$2,284,000	2,192
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$306,000	3,062
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$160,000	2,535
Trading account gains and fees	$0	121
Additional Noninterest Income	$146,000	2,993
Total noninterest expense	$2,001,000	1,999
Salaries and employee benefits	$1,154,000	1,905
Premises and equipment expense	$303,000	1,915
Additional noninterest expense	$544,000	2,182
Pre-tax net operating income	$574,000	3,195
Securities gains (losses)	$9,000	2,096
Applicable income taxes	$165,000	2,911
Income before extraordinary items	$418,000	3,390
Extraordinary gains, net	$0	16
Net income	$418,000	3,389
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,358
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$411,520	3,318
2003-12-31 (YTD Data)		Rank
Total interest income	$12,312,000	2,340
Total interest expense	$3,497,000	2,505
Net interest income	$8,815,000	2,200
Provision for loan and lease losses	$90,000	5,469
Total noninterest income	$1,424,000	2,951
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$804,000	2,115
Trading account gains and fees	$0	160
Additional Noninterest Income	$620,000	3,189
Total noninterest expense	$8,133,000	1,959
Salaries and employee benefits	$4,403,000	1,952
Premises and equipment expense	$1,142,000	1,995
Additional noninterest expense	$2,588,000	1,865
Pre-tax net operating income	$2,016,000	3,381
Securities gains (losses)	$392,000	892
Applicable income taxes	$699,000	2,805
Income before extraordinary items	$1,709,000	3,224
Extraordinary gains, net	$0	54
Net income	$1,709,000	3,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	8,260
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,430,680	3,516
2003-09-30 (YTD Data)		Rank
Total interest income	$9,215,000	2,379
Total interest expense	$2,681,000	2,536
Net interest income	$6,534,000	2,238
Provision for loan and lease losses	$75,000	5,202
Total noninterest income	$1,065,000	3,001
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$590,000	2,165
Trading account gains and fees	$0	153
Additional Noninterest Income	$475,000	3,219
Total noninterest expense	$6,026,000	1,977
Salaries and employee benefits	$3,251,000	1,983
Premises and equipment expense	$856,000	2,005
Additional noninterest expense	$1,919,000	1,869
Pre-tax net operating income	$1,498,000	3,516
Securities gains (losses)	$332,000	901
Applicable income taxes	$536,000	2,910
Income before extraordinary items	$1,294,000	3,300
Extraordinary gains, net	$0	40
Net income	$1,294,000	3,299
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	4,125
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,058,280	3,689
2003-06-30 (YTD Data)		Rank
Total interest income	$6,138,000	2,389
Total interest expense	$1,850,000	2,544
Net interest income	$4,288,000	2,272
Provision for loan and lease losses	$60,000	4,687
Total noninterest income	$705,000	3,001
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$390,000	2,143
Trading account gains and fees	$0	150
Additional Noninterest Income	$315,000	3,201
Total noninterest expense	$3,967,000	1,990
Salaries and employee benefits	$2,131,000	1,999
Premises and equipment expense	$579,000	1,968
Additional noninterest expense	$1,257,000	1,910
Pre-tax net operating income	$966,000	3,607
Securities gains (losses)	$244,000	931
Applicable income taxes	$349,000	2,953
Income before extraordinary items	$861,000	3,321
Extraordinary gains, net	$0	30
Net income	$861,000	3,321
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	3,562
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$687,760	3,731
2003-03-31 (YTD Data)		Rank
Total interest income	$3,062,000	2,407
Total interest expense	$953,000	2,538
Net interest income	$2,109,000	2,310
Provision for loan and lease losses	$60,000	3,248
Total noninterest income	$321,000	3,096
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$186,000	2,154
Trading account gains and fees	$0	134
Additional Noninterest Income	$135,000	3,397
Total noninterest expense	$1,993,000	1,965
Salaries and employee benefits	$1,068,000	1,984
Premises and equipment expense	$302,000	1,896
Additional noninterest expense	$623,000	1,878
Pre-tax net operating income	$377,000	4,190
Securities gains (losses)	$0	2,891
Applicable income taxes	$84,000	4,263
Income before extraordinary items	$293,000	4,308
Extraordinary gains, net	$0	21
Net income	$293,000	4,306
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$293,000	4,117
2002-12-31 (YTD Data)		Rank
Total interest income	$12,923,000	2,382
Total interest expense	$4,482,000	2,480
Net interest income	$8,441,000	2,298
Provision for loan and lease losses	$240,000	3,935
Total noninterest income	$1,203,000	3,075
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$658,000	2,372
Trading account gains and fees	$0	153
Additional Noninterest Income	$545,000	3,133
Total noninterest expense	$7,162,000	2,097
Salaries and employee benefits	$3,867,000	2,070
Premises and equipment expense	$960,000	2,276
Additional noninterest expense	$2,335,000	1,984
Pre-tax net operating income	$2,242,000	3,141
Securities gains (losses)	$168,000	1,286
Applicable income taxes	$645,000	2,998
Income before extraordinary items	$1,765,000	3,086
Extraordinary gains, net	$0	70
Net income	$1,765,000	3,085
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	6,985
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,642,360	3,168
2001-12-31 (YTD Data)		Rank
Total interest income	$13,096,000	2,604
Total interest expense	$5,663,000	2,816
Net interest income	$7,433,000	2,414
Provision for loan and lease losses	$240,000	3,705
Total noninterest income	$919,000	3,535
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$568,000	2,549
Trading account gains and fees	$0	177
Additional Noninterest Income	$351,000	3,816
Total noninterest expense	$6,414,000	2,233
Salaries and employee benefits	$3,346,000	2,238
Premises and equipment expense	$978,000	2,185
Additional noninterest expense	$2,090,000	2,148
Pre-tax net operating income	$1,698,000	3,555
Securities gains (losses)	$418,000	682
Applicable income taxes	$600,000	2,969
Income before extraordinary items	$1,516,000	3,194
Extraordinary gains, net	$0	105
Net income	$1,516,000	3,199
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	9,026
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,215,040	3,655
2000-12-31 (YTD Data)		Rank
Total interest income	$13,201,000	2,633
Total interest expense	$5,385,000	3,101
Net interest income	$7,816,000	2,273
Provision for loan and lease losses	$240,000	3,322
Total noninterest income	$568,000	4,553
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$336,000	3,717
Trading account gains and fees	$0	180
Additional Noninterest Income	$232,000	4,449
Total noninterest expense	$5,816,000	2,355
Salaries and employee benefits	$2,964,000	2,419
Premises and equipment expense	$851,000	2,429
Additional noninterest expense	$2,001,000	2,154
Pre-tax net operating income	$2,328,000	2,943
Securities gains (losses)	$272,000	358
Applicable income taxes	$861,000	2,390
Income before extraordinary items	$1,739,000	2,874
Extraordinary gains, net	$0	38
Net income	$1,739,000	2,873
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,352
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,556,760	3,158
1999-12-31 (YTD Data)		Rank
Total interest income	$12,191,000	2,669
Total interest expense	$5,028,000	2,906
Net interest income	$7,163,000	2,463
Provision for loan and lease losses	$240,000	3,119
Total noninterest income	$477,000	5,096
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$289,000	4,087
Trading account gains and fees	$0	173
Additional Noninterest Income	$188,000	5,076
Total noninterest expense	$5,236,000	2,583
Salaries and employee benefits	$2,661,000	2,660
Premises and equipment expense	$896,000	2,268
Additional noninterest expense	$1,679,000	2,565
Pre-tax net operating income	$2,164,000	3,140
Securities gains (losses)	$225,000	519
Applicable income taxes	$848,000	2,509
Income before extraordinary items	$1,541,000	3,170
Extraordinary gains, net	$0	35
Net income	$1,541,000	3,171
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	9,667
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,394,750	3,396
1998-12-31 (YTD Data)		Rank
Total interest income	$11,582,000	2,788
Total interest expense	$5,059,000	2,968
Net interest income	$6,523,000	2,617
Provision for loan and lease losses	$340,000	2,360
Total noninterest income	$431,000	5,382
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$289,000	4,035
Trading account gains and fees	$0	224
Additional Noninterest Income	$142,000	5,826
Total noninterest expense	$5,475,000	2,396
Salaries and employee benefits	$2,427,000	2,803
Premises and equipment expense	$881,000	2,210
Additional noninterest expense	$2,167,000	1,950
Pre-tax net operating income	$1,139,000	5,045
Securities gains (losses)	$249,000	813
Applicable income taxes	$490,000	3,894
Income before extraordinary items	$898,000	4,837
Extraordinary gains, net	$0	32
Net income	$898,000	4,836
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$316,000	1,793
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$736,150	5,352
1997-12-31 (YTD Data)		Rank
Total interest income	$11,450,000	2,858
Total interest expense	$5,063,000	2,947
Net interest income	$6,387,000	2,725
Provision for loan and lease losses	$240,000	3,015
Total noninterest income	$443,000	5,384
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$316,000	3,910
Trading account gains and fees	$0	239
Additional Noninterest Income	$127,000	6,130
Total noninterest expense	$4,623,000	2,754
Salaries and employee benefits	$2,348,000	2,816
Premises and equipment expense	$636,000	2,991
Additional noninterest expense	$1,639,000	2,509
Pre-tax net operating income	$1,967,000	3,590
Securities gains (losses)	$339,000	531
Applicable income taxes	$911,000	2,632
Income before extraordinary items	$1,395,000	3,583
Extraordinary gains, net	$0	44
Net income	$1,395,000	3,584
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,000	3,729
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,178,040	4,059
1996-12-31 (YTD Data)		Rank
Total interest income	$10,904,000	3,013
Total interest expense	$5,093,000	2,949
Net interest income	$5,811,000	3,046
Provision for loan and lease losses	$418,000	2,024
Total noninterest income	$459,000	5,466
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$316,000	4,069
Trading account gains and fees	$0	262
Additional Noninterest Income	$143,000	6,112
Total noninterest expense	$4,216,000	3,182
Salaries and employee benefits	$1,992,000	3,344
Premises and equipment expense	$633,000	3,041
Additional noninterest expense	$1,591,000	2,983
Pre-tax net operating income	$1,636,000	4,055
Securities gains (losses)	$582,000	379
Applicable income taxes	$918,000	2,531
Income before extraordinary items	$1,300,000	3,631
Extraordinary gains, net	$0	53
Net income	$1,300,000	3,630
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$247,000	2,358
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$927,520	4,721
1995-12-31 (YTD Data)		Rank
Total interest income	$10,333,000	3,204
Total interest expense	$5,060,000	2,990
Net interest income	$5,273,000	3,362
Provision for loan and lease losses	$346,000	2,076
Total noninterest income	$434,000	5,674
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$280,000	4,535
Trading account gains and fees	$0	522
Additional Noninterest Income	$154,000	5,906
Total noninterest expense	$3,676,000	3,580
Salaries and employee benefits	$1,813,000	3,619
Premises and equipment expense	$463,000	4,021
Additional noninterest expense	$1,400,000	3,265
Pre-tax net operating income	$1,685,000	4,047
Securities gains (losses)	$192,000	687
Applicable income taxes	$725,000	3,141
Income before extraordinary items	$1,152,000	4,086
Extraordinary gains, net	$0	65
Net income	$1,152,000	4,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$209,000	2,420
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,029,120	4,473
1994-12-31 (YTD Data)		Rank
Total interest income	$9,813,000	3,084
Total interest expense	$4,428,000	2,770
Net interest income	$5,385,000	3,331
Provision for loan and lease losses	$304,000	2,222
Total noninterest income	$457,000	5,630
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$294,000	4,437
Trading account gains and fees	$0	475
Additional Noninterest Income	$163,000	5,950
Total noninterest expense	$3,636,000	3,726
Salaries and employee benefits	$1,803,000	3,609
Premises and equipment expense	$408,000	4,514
Additional noninterest expense	$1,425,000	3,476
Pre-tax net operating income	$1,902,000	3,583
Securities gains (losses)	$14,000	2,006
Applicable income taxes	$713,000	3,046
Income before extraordinary items	$1,203,000	3,854
Extraordinary gains, net	$0	249
Net income	$1,203,000	3,859
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$504,000	1,368
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,194,040	3,907
1993-12-31 (YTD Data)		Rank
Total interest income	$10,296,000	3,005
Total interest expense	$4,680,000	2,753
Net interest income	$5,616,000	3,221
Provision for loan and lease losses	$148,000	4,714
Total noninterest income	$481,000	5,748
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$300,000	4,426
Trading account gains and fees	$0	532
Additional Noninterest Income	$181,000	5,974
Total noninterest expense	$3,522,000	3,887
Salaries and employee benefits	$1,566,000	4,118
Premises and equipment expense	$450,000	4,270
Additional noninterest expense	$1,506,000	3,493
Pre-tax net operating income	$2,427,000	2,782
Securities gains (losses)	$52,000	3,344
Applicable income taxes	$1,094,000	2,080
Income before extraordinary items	$1,385,000	3,489
Extraordinary gains, net	$153,000	1,210
Net income	$1,538,000	3,260
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$247,000	2,762
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,351,720	3,379
1992-12-31 (YTD Data)		Rank
Total interest income	$7,898,000	4,333
Total interest expense	$4,253,000	3,851
Net interest income	$3,645,000	4,831
Provision for loan and lease losses	$237,000	4,779
Total noninterest income	$246,000	8,561
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$181,000	6,372
Trading account gains and fees	$0	504
Additional Noninterest Income	$65,000	9,539
Total noninterest expense	$2,289,000	5,708
Salaries and employee benefits	$902,000	6,612
Premises and equipment expense	$255,000	6,685
Additional noninterest expense	$1,132,000	4,574
Pre-tax net operating income	$1,365,000	4,417
Securities gains (losses)	$-47,000	13,665
Applicable income taxes	$603,000	3,421
Income before extraordinary items	$715,000	5,826
Extraordinary gains, net	$0	1,422
Net income	$715,000	5,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	4,732
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$745,080	5,319

* 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.