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Ballston Spa National Bank, Income and Expense

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2025-03-31 (YTD Data)		Rank
Total interest income	$10,377,000	1,226
Total interest expense	$3,842,000	1,206
Net interest income	$6,535,000	1,261
Provision for loan and lease losses	$150,000	1,175
Total noninterest income	$850,000	1,437
Gross Fiduciary activities income	$300,000	533
Service charges on deposit accounts	$162,000	1,372
Trading account gains and fees	NA	NA
Additional Noninterest Income	$388,000	1,733
Total noninterest expense	$5,514,000	1,178
Salaries and employee benefits	$3,436,000	1,093
Premises and equipment expense	$589,000	1,107
Additional noninterest expense	$388,000	1,733
Pre-tax net operating income	$1,721,000	1,598
Securities gains (losses)	$0	665
Applicable income taxes	$305,000	1,332
Income before extraordinary items	$1,416,000	1,637
Extraordinary gains, net	$0	47
Net income	$1,416,000	1,656
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,416,000	1,637
Net charge-offs	$61,000	954
Cash dividends	$0	2,364
Sale, conversion, retirement of capital stock, net	$0	467
Net operating income	$1,416,000	1,648
2024-12-31 (YTD Data)		Rank
Total interest income	$39,899,000	1,247
Total interest expense	$15,715,000	1,227
Net interest income	$24,184,000	1,264
Provision for loan and lease losses	$600,000	1,238
Total noninterest income	$4,025,000	1,336
Gross Fiduciary activities income	$1,267,000	513
Service charges on deposit accounts	$672,000	1,380
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,086,000	1,531
Total noninterest expense	$21,249,000	1,184
Salaries and employee benefits	$12,592,000	1,150
Premises and equipment expense	$2,007,000	1,226
Additional noninterest expense	$2,086,000	1,531
Pre-tax net operating income	$6,360,000	1,590
Securities gains (losses)	$0	940
Applicable income taxes	$1,234,000	1,251
Income before extraordinary items	$5,126,000	1,671
Extraordinary gains, net	$0	53
Net income	$5,126,000	1,689
Minority interest net income	$0	90
Net income of bank and minority interests.	$5,126,000	1,671
Net charge-offs	$130,000	1,597
Cash dividends	$1,069,000	2,173
Sale, conversion, retirement of capital stock, net	$0	564
Net operating income	$5,126,000	1,683
2024-09-30 (YTD Data)		Rank
Total interest income	$29,481,000	1,251
Total interest expense	$11,480,000	1,240
Net interest income	$18,001,000	1,263
Provision for loan and lease losses	$480,000	1,114
Total noninterest income	$2,980,000	1,348
Gross Fiduciary activities income	$923,000	521
Service charges on deposit accounts	$500,000	1,380
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,557,000	1,532
Total noninterest expense	$15,765,000	1,183
Salaries and employee benefits	$9,512,000	1,124
Premises and equipment expense	$1,502,000	1,231
Additional noninterest expense	$1,557,000	1,532
Pre-tax net operating income	$4,736,000	1,577
Securities gains (losses)	$0	930
Applicable income taxes	$931,000	1,257
Income before extraordinary items	$3,805,000	1,659
Extraordinary gains, net	$0	51
Net income	$3,805,000	1,677
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,805,000	1,661
Net charge-offs	$43,000	1,797
Cash dividends	$713,000	2,017
Sale, conversion, retirement of capital stock, net	$0	527
Net operating income	$3,805,000	1,664
2024-06-30 (YTD Data)		Rank
Total interest income	$19,324,000	1,257
Total interest expense	$7,357,000	1,252
Net interest income	$11,967,000	1,261
Provision for loan and lease losses	$360,000	987
Total noninterest income	$1,992,000	1,339
Gross Fiduciary activities income	$589,000	524
Service charges on deposit accounts	$324,000	1,392
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,079,000	1,484
Total noninterest expense	$10,609,000	1,174
Salaries and employee benefits	$6,445,000	1,110
Premises and equipment expense	$989,000	1,244
Additional noninterest expense	$1,079,000	1,484
Pre-tax net operating income	$2,990,000	1,610
Securities gains (losses)	$0	628
Applicable income taxes	$588,000	1,293
Income before extraordinary items	$2,402,000	1,702
Extraordinary gains, net	$0	52
Net income	$2,402,000	1,727
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,402,000	1,704
Net charge-offs	$20,000	1,778
Cash dividends	$357,000	2,238
Sale, conversion, retirement of capital stock, net	$0	496
Net operating income	$2,402,000	1,704
2024-03-31 (YTD Data)		Rank
Total interest income	$9,448,000	1,273
Total interest expense	$3,495,000	1,280
Net interest income	$5,953,000	1,265
Provision for loan and lease losses	$180,000	890
Total noninterest income	$1,051,000	1,278
Gross Fiduciary activities income	$308,000	491
Service charges on deposit accounts	$164,000	1,372
Trading account gains and fees	NA	NA
Additional Noninterest Income	$579,000	1,389
Total noninterest expense	$5,335,000	1,173
Salaries and employee benefits	$3,256,000	1,113
Premises and equipment expense	$508,000	1,228
Additional noninterest expense	$579,000	1,389
Pre-tax net operating income	$1,489,000	1,575
Securities gains (losses)	$0	689
Applicable income taxes	$290,000	1,275
Income before extraordinary items	$1,199,000	1,673
Extraordinary gains, net	$0	51
Net income	$1,199,000	1,693
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,199,000	1,673
Net charge-offs	$11,000	1,501
Cash dividends	$357,000	1,481
Sale, conversion, retirement of capital stock, net	$0	434
Net operating income	$1,199,000	1,672
2023-12-31 (YTD Data)		Rank
Total interest income	$34,185,000	1,258
Total interest expense	$10,203,000	1,272
Net interest income	$23,982,000	1,249
Provision for loan and lease losses	$480,000	1,311
Total noninterest income	$3,394,000	1,507
Gross Fiduciary activities income	$1,021,000	502
Service charges on deposit accounts	$612,000	1,450
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,761,000	1,728
Total noninterest expense	$19,800,000	1,223
Salaries and employee benefits	$11,639,000	1,190
Premises and equipment expense	$1,904,000	1,280
Additional noninterest expense	$1,761,000	1,728
Pre-tax net operating income	$7,096,000	1,520
Securities gains (losses)	$-1,358,000	4,345
Applicable income taxes	$881,000	1,512
Income before extraordinary items	$4,857,000	1,763
Extraordinary gains, net	$0	54
Net income	$4,857,000	1,784
Minority interest net income	$0	88
Net income of bank and minority interests.	$4,857,000	1,766
Net charge-offs	$67,000	1,687
Cash dividends	$6,100,000	689
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$6,011,300	1,548
2023-09-30 (YTD Data)		Rank
Total interest income	$24,322,000	1,287
Total interest expense	$6,485,000	1,336
Net interest income	$17,837,000	1,256
Provision for loan and lease losses	$360,000	1,209
Total noninterest income	$2,414,000	1,562
Gross Fiduciary activities income	$749,000	503
Service charges on deposit accounts	$454,000	1,459
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,211,000	1,807
Total noninterest expense	$14,711,000	1,222
Salaries and employee benefits	$8,832,000	1,183
Premises and equipment expense	$1,391,000	1,306
Additional noninterest expense	$1,211,000	1,807
Pre-tax net operating income	$5,180,000	1,617
Securities gains (losses)	$-55,000	3,859
Applicable income taxes	$1,007,000	1,286
Income before extraordinary items	$4,118,000	1,680
Extraordinary gains, net	$0	52
Net income	$4,118,000	1,693
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,118,000	1,680
Net charge-offs	$70,000	1,339
Cash dividends	$5,854,000	552
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$4,162,000	1,686
2023-06-30 (YTD Data)		Rank
Total interest income	$15,569,000	1,301
Total interest expense	$3,604,000	1,388
Net interest income	$11,965,000	1,260
Provision for loan and lease losses	$240,000	1,213
Total noninterest income	$1,646,000	1,472
Gross Fiduciary activities income	$492,000	497
Service charges on deposit accounts	$306,000	1,440
Trading account gains and fees	NA	NA
Additional Noninterest Income	$848,000	1,695
Total noninterest expense	$9,808,000	1,212
Salaries and employee benefits	$6,024,000	1,146
Premises and equipment expense	$917,000	1,311
Additional noninterest expense	$848,000	1,693
Pre-tax net operating income	$3,563,000	1,573
Securities gains (losses)	$-43,000	4,044
Applicable income taxes	$699,000	1,262
Income before extraordinary items	$2,821,000	1,629
Extraordinary gains, net	$0	51
Net income	$2,821,000	1,648
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,821,000	1,628
Net charge-offs	$50,000	1,171
Cash dividends	$5,609,000	409
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,855,400	1,634
2023-03-31 (YTD Data)		Rank
Total interest income	$7,566,000	1,312
Total interest expense	$1,468,000	1,448
Net interest income	$6,098,000	1,246
Provision for loan and lease losses	$120,000	1,169
Total noninterest income	$784,000	1,509
Gross Fiduciary activities income	$233,000	522
Service charges on deposit accounts	$153,000	1,457
Trading account gains and fees	NA	NA
Additional Noninterest Income	$398,000	1,735
Total noninterest expense	$4,914,000	1,224
Salaries and employee benefits	$3,075,000	1,150
Premises and equipment expense	$462,000	1,327
Additional noninterest expense	$398,000	1,735
Pre-tax net operating income	$1,848,000	1,557
Securities gains (losses)	$-43,000	4,227
Applicable income taxes	$355,000	1,256
Income before extraordinary items	$1,450,000	1,640
Extraordinary gains, net	$0	4
Net income	$1,450,000	1,640
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,450,000	1,640
Net charge-offs	$25,000	1,032
Cash dividends	$454,000	1,304
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,484,400	1,631
2022-12-31 (YTD Data)		Rank
Total interest income	$25,594,000	1,291
Total interest expense	$2,005,000	1,594
Net interest income	$23,589,000	1,259
Provision for loan and lease losses	$360,000	1,410
Total noninterest income	$3,811,000	1,419
Gross Fiduciary activities income	$912,000	534
Service charges on deposit accounts	$676,000	1,380
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,223,000	1,533
Total noninterest expense	$18,410,000	1,268
Salaries and employee benefits	$10,706,000	1,261
Premises and equipment expense	$1,801,000	1,328
Additional noninterest expense	$2,223,000	1,533
Pre-tax net operating income	$8,630,000	1,416
Securities gains (losses)	$-1,132,000	4,473
Applicable income taxes	$1,162,000	1,440
Income before extraordinary items	$6,336,000	1,563
Extraordinary gains, net	$0	5
Net income	$6,336,000	1,560
Minority interest net income	$0	63
Net income of bank and minority interests.	$6,336,000	1,562
Net charge-offs	$94,000	1,256
Cash dividends	$1,196,000	1,992
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$7,298,200	1,421
2022-09-30 (YTD Data)		Rank
Total interest income	$18,131,000	1,300
Total interest expense	$917,000	1,881
Net interest income	$17,214,000	1,261
Provision for loan and lease losses	$360,000	1,136
Total noninterest income	$3,449,000	1,282
Gross Fiduciary activities income	$695,000	529
Service charges on deposit accounts	$516,000	1,376
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,238,000	1,288
Total noninterest expense	$13,273,000	1,294
Salaries and employee benefits	$8,022,000	1,257
Premises and equipment expense	$1,348,000	1,335
Additional noninterest expense	$2,238,000	1,288
Pre-tax net operating income	$7,030,000	1,318
Securities gains (losses)	$-1,132,000	4,574
Applicable income taxes	$1,074,000	1,295
Income before extraordinary items	$4,824,000	1,536
Extraordinary gains, net	$0	4
Net income	$4,824,000	1,535
Minority interest net income	$0	57
Net income of bank and minority interests.	$4,824,000	1,536
Net charge-offs	$32,000	1,407
Cash dividends	$755,000	1,885
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$5,752,240	1,358
2022-06-30 (YTD Data)		Rank
Total interest income	$11,654,000	1,304
Total interest expense	$542,000	1,855
Net interest income	$11,112,000	1,259
Provision for loan and lease losses	$240,000	1,056
Total noninterest income	$2,251,000	1,281
Gross Fiduciary activities income	$469,000	489
Service charges on deposit accounts	$351,000	1,329
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,431,000	1,359
Total noninterest expense	$8,758,000	1,300
Salaries and employee benefits	$5,301,000	1,254
Premises and equipment expense	$920,000	1,308
Additional noninterest expense	$2,537,000	1,327
Pre-tax net operating income	$4,365,000	1,322
Securities gains (losses)	$-707,000	4,598
Applicable income taxes	$672,000	1,269
Income before extraordinary items	$2,986,000	1,527
Extraordinary gains, net	$0	4
Net income	$2,986,000	1,526
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,986,000	1,527
Net charge-offs	$36,000	1,102
Cash dividends	$398,000	2,077
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$3,565,740	1,370
2022-03-31 (YTD Data)		Rank
Total interest income	$5,538,000	1,314
Total interest expense	$287,000	1,739
Net interest income	$5,251,000	1,287
Provision for loan and lease losses	$120,000	887
Total noninterest income	$748,000	1,649
Gross Fiduciary activities income	$245,000	489
Service charges on deposit accounts	$177,000	1,305
Trading account gains and fees	NA	NA
Additional Noninterest Income	$326,000	2,091
Total noninterest expense	$4,287,000	1,319
Salaries and employee benefits	$2,660,000	1,243
Premises and equipment expense	$461,000	1,312
Additional noninterest expense	$1,166,000	1,401
Pre-tax net operating income	$1,592,000	1,577
Securities gains (losses)	$0	623
Applicable income taxes	$317,000	1,263
Income before extraordinary items	$1,275,000	1,630
Extraordinary gains, net	$0	4
Net income	$1,275,000	1,629
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,275,000	1,630
Net charge-offs	$15,000	1,053
Cash dividends	$398,000	1,339
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,275,000	1,651
2021-12-31 (YTD Data)		Rank
Total interest income	$22,888,000	1,318
Total interest expense	$1,262,000	1,880
Net interest income	$21,626,000	1,274
Provision for loan and lease losses	$756,000	756
Total noninterest income	$4,448,000	1,416
Gross Fiduciary activities income	$988,000	481
Service charges on deposit accounts	$664,000	1,301
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,796,000	1,551
Total noninterest expense	$18,687,000	1,225
Salaries and employee benefits	$11,363,000	1,180
Premises and equipment expense	$1,712,000	1,371
Additional noninterest expense	$5,612,000	1,197
Pre-tax net operating income	$6,631,000	1,702
Securities gains (losses)	$0	2,062
Applicable income taxes	$1,557,000	1,287
Income before extraordinary items	$5,074,000	1,877
Extraordinary gains, net	$0	10
Net income	$5,074,000	1,877
Minority interest net income	$0	74
Net income of bank and minority interests.	$5,074,000	1,878
Net charge-offs	$50,000	1,657
Cash dividends	$1,399,000	1,887
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$5,074,000	1,847
2021-09-30 (YTD Data)		Rank
Total interest income	$17,273,000	1,345
Total interest expense	$959,000	1,951
Net interest income	$16,314,000	1,292
Provision for loan and lease losses	$606,000	692
Total noninterest income	$3,536,000	1,391
Gross Fiduciary activities income	$711,000	481
Service charges on deposit accounts	$483,000	1,330
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,342,000	1,504
Total noninterest expense	$13,831,000	1,236
Salaries and employee benefits	$8,461,000	1,181
Premises and equipment expense	$1,220,000	1,448
Additional noninterest expense	$4,150,000	1,213
Pre-tax net operating income	$5,413,000	1,667
Securities gains (losses)	$0	2,015
Applicable income taxes	$1,407,000	1,203
Income before extraordinary items	$4,006,000	1,875
Extraordinary gains, net	$0	8
Net income	$4,006,000	1,874
Minority interest net income	$0	69
Net income of bank and minority interests.	$4,006,000	1,875
Net charge-offs	$53,000	1,332
Cash dividends	$1,042,000	1,696
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$4,006,000	1,848
2021-06-30 (YTD Data)		Rank
Total interest income	$11,468,000	1,340
Total interest expense	$673,000	1,951
Net interest income	$10,795,000	1,278
Provision for loan and lease losses	$426,000	698
Total noninterest income	$1,738,000	1,655
Gross Fiduciary activities income	$471,000	481
Service charges on deposit accounts	$298,000	1,365
Trading account gains and fees	NA	NA
Additional Noninterest Income	$969,000	1,947
Total noninterest expense	$9,081,000	1,242
Salaries and employee benefits	$5,656,000	1,179
Premises and equipment expense	$825,000	1,438
Additional noninterest expense	$2,600,000	1,273
Pre-tax net operating income	$3,026,000	1,879
Securities gains (losses)	$0	1,818
Applicable income taxes	$669,000	1,452
Income before extraordinary items	$2,357,000	2,031
Extraordinary gains, net	$0	6
Net income	$2,357,000	2,031
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,357,000	2,031
Net charge-offs	$28,000	1,365
Cash dividends	$644,000	1,736
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,357,000	1,995
2021-03-31 (YTD Data)		Rank
Total interest income	$5,707,000	1,344
Total interest expense	$339,000	2,006
Net interest income	$5,368,000	1,279
Provision for loan and lease losses	$213,000	771
Total noninterest income	$897,000	1,636
Gross Fiduciary activities income	$225,000	488
Service charges on deposit accounts	$143,000	1,390
Trading account gains and fees	NA	NA
Additional Noninterest Income	$529,000	1,865
Total noninterest expense	$4,573,000	1,221
Salaries and employee benefits	$2,944,000	1,132
Premises and equipment expense	$419,000	1,437
Additional noninterest expense	$1,210,000	1,321
Pre-tax net operating income	$1,479,000	1,892
Securities gains (losses)	$0	1,392
Applicable income taxes	$288,000	1,535
Income before extraordinary items	$1,191,000	2,001
Extraordinary gains, net	$0	3
Net income	$1,191,000	2,001
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,191,000	2,001
Net charge-offs	$23,000	1,099
Cash dividends	$399,000	1,384
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,191,000	1,969
2020-12-31 (YTD Data)		Rank
Total interest income	$23,053,000	1,316
Total interest expense	$2,295,000	1,805
Net interest income	$20,758,000	1,243
Provision for loan and lease losses	$1,167,000	1,462
Total noninterest income	$4,401,000	1,368
Gross Fiduciary activities income	$785,000	503
Service charges on deposit accounts	$643,000	1,327
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,973,000	1,441
Total noninterest expense	$17,967,000	1,204
Salaries and employee benefits	$10,992,000	1,159
Premises and equipment expense	$1,706,000	1,378
Additional noninterest expense	$5,269,000	1,218
Pre-tax net operating income	$6,025,000	1,557
Securities gains (losses)	$1,000	2,609
Applicable income taxes	$1,044,000	1,401
Income before extraordinary items	$4,982,000	1,642
Extraordinary gains, net	$0	4
Net income	$4,982,000	1,642
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,982,000	1,642
Net charge-offs	$-3,000	4,049
Cash dividends	$974,000	2,255
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$4,981,170	1,595
2020-09-30 (YTD Data)		Rank
Total interest income	$17,132,000	1,334
Total interest expense	$1,904,000	1,760
Net interest income	$15,228,000	1,245
Provision for loan and lease losses	$825,000	1,523
Total noninterest income	$3,066,000	1,395
Gross Fiduciary activities income	$564,000	504
Service charges on deposit accounts	$484,000	1,310
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,018,000	1,487
Total noninterest expense	$12,971,000	1,228
Salaries and employee benefits	$8,046,000	1,169
Premises and equipment expense	$1,253,000	1,393
Additional noninterest expense	$3,672,000	1,282
Pre-tax net operating income	$4,498,000	1,528
Securities gains (losses)	$1,000	2,423
Applicable income taxes	$846,000	1,314
Income before extraordinary items	$3,653,000	1,640
Extraordinary gains, net	$0	4
Net income	$3,653,000	1,641
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,653,000	1,641
Net charge-offs	$30,000	2,322
Cash dividends	$575,000	2,200
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$3,652,190	1,587
2020-06-30 (YTD Data)		Rank
Total interest income	$11,454,000	1,343
Total interest expense	$1,490,000	1,647
Net interest income	$9,964,000	1,271
Provision for loan and lease losses	$483,000	1,640
Total noninterest income	$1,826,000	1,441
Gross Fiduciary activities income	$359,000	516
Service charges on deposit accounts	$330,000	1,299
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,137,000	1,546
Total noninterest expense	$8,359,000	1,254
Salaries and employee benefits	$5,163,000	1,200
Premises and equipment expense	$849,000	1,370
Additional noninterest expense	$2,347,000	1,318
Pre-tax net operating income	$2,948,000	1,472
Securities gains (losses)	$0	2,249
Applicable income taxes	$551,000	1,262
Income before extraordinary items	$2,397,000	1,583
Extraordinary gains, net	$0	4
Net income	$2,397,000	1,584
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,397,000	1,584
Net charge-offs	$28,000	2,029
Cash dividends	$422,000	2,116
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,397,000	1,541
2020-03-31 (YTD Data)		Rank
Total interest income	$5,791,000	1,322
Total interest expense	$911,000	1,525
Net interest income	$4,880,000	1,287
Provision for loan and lease losses	$141,000	1,719
Total noninterest income	$742,000	1,538
Gross Fiduciary activities income	$170,000	530
Service charges on deposit accounts	$183,000	1,393
Trading account gains and fees	NA	NA
Additional Noninterest Income	$389,000	1,763
Total noninterest expense	$4,070,000	1,306
Salaries and employee benefits	$2,581,000	1,206
Premises and equipment expense	$428,000	1,362
Additional noninterest expense	$1,061,000	1,440
Pre-tax net operating income	$1,411,000	1,386
Securities gains (losses)	$0	1,705
Applicable income taxes	$237,000	1,256
Income before extraordinary items	$1,174,000	1,453
Extraordinary gains, net	$0	4
Net income	$1,174,000	1,450
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,174,000	1,453
Net charge-offs	$0	2,581
Cash dividends	$421,000	1,413
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,174,000	1,433
2019-12-31 (YTD Data)		Rank
Total interest income	$22,398,000	1,385
Total interest expense	$3,398,000	1,666
Net interest income	$19,000,000	1,310
Provision for loan and lease losses	$725,000	1,162
Total noninterest income	$3,353,000	1,465
Gross Fiduciary activities income	$821,000	491
Service charges on deposit accounts	$769,000	1,384
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,763,000	1,654
Total noninterest expense	$16,842,000	1,230
Salaries and employee benefits	$10,524,000	1,157
Premises and equipment expense	$1,502,000	1,498
Additional noninterest expense	$4,816,000	1,291
Pre-tax net operating income	$4,786,000	1,819
Securities gains (losses)	$0	2,379
Applicable income taxes	$855,000	1,553
Income before extraordinary items	$3,931,000	1,908
Extraordinary gains, net	$0	11
Net income	$3,931,000	1,909
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,931,000	1,910
Net charge-offs	$172,000	1,806
Cash dividends	$735,000	2,655
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,931,000	1,876
2019-09-30 (YTD Data)		Rank
Total interest income	$16,699,000	1,395
Total interest expense	$2,417,000	1,728
Net interest income	$14,282,000	1,315
Provision for loan and lease losses	$540,000	1,091
Total noninterest income	$2,437,000	1,498
Gross Fiduciary activities income	$588,000	500
Service charges on deposit accounts	$573,000	1,395
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,276,000	1,672
Total noninterest expense	$12,378,000	1,254
Salaries and employee benefits	$7,698,000	1,185
Premises and equipment expense	$1,121,000	1,515
Additional noninterest expense	$3,559,000	1,308
Pre-tax net operating income	$3,801,000	1,789
Securities gains (losses)	$0	2,167
Applicable income taxes	$720,000	1,506
Income before extraordinary items	$3,081,000	1,898
Extraordinary gains, net	$0	11
Net income	$3,081,000	1,897
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,081,000	1,899
Net charge-offs	$164,000	1,426
Cash dividends	$490,000	2,508
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,081,000	1,867
2019-06-30 (YTD Data)		Rank
Total interest income	$11,001,000	1,407
Total interest expense	$1,465,000	1,826
Net interest income	$9,536,000	1,314
Provision for loan and lease losses	$360,000	1,067
Total noninterest income	$1,617,000	1,473
Gross Fiduciary activities income	$395,000	501
Service charges on deposit accounts	$376,000	1,396
Trading account gains and fees	NA	NA
Additional Noninterest Income	$846,000	1,656
Total noninterest expense	$8,108,000	1,282
Salaries and employee benefits	$5,050,000	1,198
Premises and equipment expense	$742,000	1,534
Additional noninterest expense	$2,316,000	1,352
Pre-tax net operating income	$2,685,000	1,683
Securities gains (losses)	$0	1,702
Applicable income taxes	$487,000	1,466
Income before extraordinary items	$2,198,000	1,776
Extraordinary gains, net	$0	11
Net income	$2,198,000	1,775
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,198,000	1,776
Net charge-offs	$50,000	1,826
Cash dividends	$245,000	2,747
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,198,000	1,743
2019-03-31 (YTD Data)		Rank
Total interest income	$5,444,000	1,415
Total interest expense	$668,000	1,904
Net interest income	$4,776,000	1,316
Provision for loan and lease losses	$180,000	1,010
Total noninterest income	$792,000	1,444
Gross Fiduciary activities income	$198,000	499
Service charges on deposit accounts	$187,000	1,399
Trading account gains and fees	NA	NA
Additional Noninterest Income	$407,000	1,645
Total noninterest expense	$3,989,000	1,299
Salaries and employee benefits	$2,477,000	1,215
Premises and equipment expense	$390,000	1,490
Additional noninterest expense	$1,122,000	1,377
Pre-tax net operating income	$1,399,000	1,610
Securities gains (losses)	$0	1,087
Applicable income taxes	$241,000	1,433
Income before extraordinary items	$1,158,000	1,673
Extraordinary gains, net	$0	5
Net income	$1,158,000	1,671
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,158,000	1,672
Net charge-offs	$59,000	1,128
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,158,000	1,648
2018-12-31 (YTD Data)		Rank
Total interest income	$20,315,000	1,430
Total interest expense	$1,632,000	2,220
Net interest income	$18,683,000	1,311
Provision for loan and lease losses	$803,000	1,049
Total noninterest income	$3,650,000	1,349
Gross Fiduciary activities income	$886,000	485
Service charges on deposit accounts	$734,000	1,473
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,030,000	1,483
Total noninterest expense	$15,892,000	1,277
Salaries and employee benefits	$9,596,000	1,205
Premises and equipment expense	$1,546,000	1,459
Additional noninterest expense	$4,750,000	1,303
Pre-tax net operating income	$5,638,000	1,616
Securities gains (losses)	$0	1,125
Applicable income taxes	$1,084,000	1,317
Income before extraordinary items	$4,554,000	1,701
Extraordinary gains, net	$0	6
Net income	$4,554,000	1,700
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,554,000	1,700
Net charge-offs	$-10,000	4,523
Cash dividends	$1,416,000	1,819
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,554,000	1,695
2018-09-30 (YTD Data)		Rank
Total interest income	$15,049,000	1,428
Total interest expense	$1,165,000	2,209
Net interest income	$13,884,000	1,320
Provision for loan and lease losses	$483,000	1,153
Total noninterest income	$2,898,000	1,308
Gross Fiduciary activities income	$674,000	477
Service charges on deposit accounts	$535,000	1,513
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,689,000	1,404
Total noninterest expense	$11,666,000	1,295
Salaries and employee benefits	$7,055,000	1,227
Premises and equipment expense	$1,159,000	1,466
Additional noninterest expense	$3,452,000	1,345
Pre-tax net operating income	$4,633,000	1,500
Securities gains (losses)	$0	1,118
Applicable income taxes	$941,000	1,219
Income before extraordinary items	$3,692,000	1,617
Extraordinary gains, net	$0	5
Net income	$3,692,000	1,616
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,692,000	1,616
Net charge-offs	$-4,000	4,251
Cash dividends	$890,000	1,793
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,692,000	1,604
2018-06-30 (YTD Data)		Rank
Total interest income	$9,886,000	1,427
Total interest expense	$706,000	2,275
Net interest income	$9,180,000	1,322
Provision for loan and lease losses	$312,000	1,136
Total noninterest income	$2,092,000	1,235
Gross Fiduciary activities income	$444,000	480
Service charges on deposit accounts	$344,000	1,543
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,304,000	1,280
Total noninterest expense	$7,806,000	1,293
Salaries and employee benefits	$4,722,000	1,225
Premises and equipment expense	$794,000	1,441
Additional noninterest expense	$2,290,000	1,347
Pre-tax net operating income	$3,154,000	1,469
Securities gains (losses)	$0	961
Applicable income taxes	$606,000	1,239
Income before extraordinary items	$2,548,000	1,553
Extraordinary gains, net	$0	6
Net income	$2,548,000	1,552
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,548,000	1,552
Net charge-offs	$-7,000	4,412
Cash dividends	$574,000	1,842
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,548,000	1,537
2018-03-31 (YTD Data)		Rank
Total interest income	$4,961,000	1,406
Total interest expense	$331,000	2,294
Net interest income	$4,630,000	1,319
Provision for loan and lease losses	$156,000	1,085
Total noninterest income	$906,000	1,360
Gross Fiduciary activities income	$229,000	482
Service charges on deposit accounts	$167,000	1,592
Trading account gains and fees	NA	NA
Additional Noninterest Income	$510,000	1,465
Total noninterest expense	$3,971,000	1,280
Salaries and employee benefits	$2,395,000	1,218
Premises and equipment expense	$422,000	1,384
Additional noninterest expense	$1,154,000	1,330
Pre-tax net operating income	$1,409,000	1,557
Securities gains (losses)	$0	735
Applicable income taxes	$277,000	1,290
Income before extraordinary items	$1,132,000	1,662
Extraordinary gains, net	$0	7
Net income	$1,132,000	1,662
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,132,000	1,662
Net charge-offs	$-6,000	4,537
Cash dividends	$245,000	1,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,132,000	1,648
2017-12-31 (YTD Data)		Rank
Total interest income	$17,298,000	1,547
Total interest expense	$853,000	2,827
Net interest income	$16,445,000	1,421
Provision for loan and lease losses	$799,000	1,055
Total noninterest income	$2,815,000	1,660
Gross Fiduciary activities income	$816,000	492
Service charges on deposit accounts	$623,000	1,720
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,376,000	1,918
Total noninterest expense	$14,940,000	1,328
Salaries and employee benefits	$8,776,000	1,288
Premises and equipment expense	$1,558,000	1,468
Additional noninterest expense	$4,606,000	1,332
Pre-tax net operating income	$3,521,000	2,232
Securities gains (losses)	$2,000	1,996
Applicable income taxes	$674,000	2,193
Income before extraordinary items	$2,849,000	2,139
Extraordinary gains, net	$0	9
Net income	$2,849,000	2,140
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,849,000	2,140
Net charge-offs	$0	4,128
Cash dividends	$1,140,000	2,047
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,847,380	2,121
2017-09-30 (YTD Data)		Rank
Total interest income	$12,740,000	1,575
Total interest expense	$598,000	2,914
Net interest income	$12,142,000	1,443
Provision for loan and lease losses	$469,000	1,201
Total noninterest income	$1,990,000	1,727
Gross Fiduciary activities income	$597,000	499
Service charges on deposit accounts	$455,000	1,768
Trading account gains and fees	NA	NA
Additional Noninterest Income	$938,000	2,051
Total noninterest expense	$10,956,000	1,350
Salaries and employee benefits	$6,429,000	1,320
Premises and equipment expense	$1,128,000	1,525
Additional noninterest expense	$3,399,000	1,350
Pre-tax net operating income	$2,707,000	2,228
Securities gains (losses)	$2,000	2,024
Applicable income taxes	$708,000	1,776
Income before extraordinary items	$2,001,000	2,408
Extraordinary gains, net	$0	9
Net income	$2,001,000	2,407
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,001,000	2,408
Net charge-offs	$4,000	3,505
Cash dividends	$853,000	1,869
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,999,520	2,386
2017-06-30 (YTD Data)		Rank
Total interest income	$8,378,000	1,566
Total interest expense	$305,000	3,333
Net interest income	$8,073,000	1,438
Provision for loan and lease losses	$208,000	1,526
Total noninterest income	$1,274,000	1,769
Gross Fiduciary activities income	$393,000	500
Service charges on deposit accounts	$290,000	1,825
Trading account gains and fees	NA	NA
Additional Noninterest Income	$591,000	2,128
Total noninterest expense	$7,131,000	1,395
Salaries and employee benefits	$4,157,000	1,364
Premises and equipment expense	$718,000	1,583
Additional noninterest expense	$2,256,000	1,353
Pre-tax net operating income	$2,008,000	2,021
Securities gains (losses)	$0	1,906
Applicable income taxes	$514,000	1,669
Income before extraordinary items	$1,494,000	2,163
Extraordinary gains, net	$0	11
Net income	$1,494,000	2,163
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,494,000	2,164
Net charge-offs	$-6,000	4,624
Cash dividends	$567,000	1,866
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,494,000	2,128
2017-03-31 (YTD Data)		Rank
Total interest income	$3,892,000	1,676
Total interest expense	$131,000	3,583
Net interest income	$3,761,000	1,531
Provision for loan and lease losses	$75,000	1,685
Total noninterest income	$626,000	1,772
Gross Fiduciary activities income	$197,000	507
Service charges on deposit accounts	$138,000	1,894
Trading account gains and fees	NA	NA
Additional Noninterest Income	$291,000	2,133
Total noninterest expense	$3,456,000	1,454
Salaries and employee benefits	$2,083,000	1,378
Premises and equipment expense	$339,000	1,693
Additional noninterest expense	$1,034,000	1,453
Pre-tax net operating income	$856,000	2,175
Securities gains (losses)	$0	1,153
Applicable income taxes	$186,000	1,940
Income before extraordinary items	$670,000	2,269
Extraordinary gains, net	$0	8
Net income	$670,000	2,268
Minority interest net income	$0	55
Net income of bank and minority interests.	$670,000	2,269
Net charge-offs	$-40,000	5,432
Cash dividends	$283,000	1,700
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$670,000	2,238
2016-12-31 (YTD Data)		Rank
Total interest income	$14,989,000	1,682
Total interest expense	$716,000	3,001
Net interest income	$14,273,000	1,561
Provision for loan and lease losses	$180,000	2,550
Total noninterest income	$1,818,000	2,233
Gross Fiduciary activities income	$757,000	505
Service charges on deposit accounts	$447,000	2,272
Trading account gains and fees	$0	170
Additional Noninterest Income	$614,000	2,992
Total noninterest expense	$12,667,000	1,537
Salaries and employee benefits	$7,764,000	1,403
Premises and equipment expense	$1,276,000	1,762
Additional noninterest expense	$3,627,000	1,687
Pre-tax net operating income	$3,244,000	2,268
Securities gains (losses)	$59,000	1,722
Applicable income taxes	$761,000	1,891
Income before extraordinary items	$2,542,000	2,381
Extraordinary gains, net	$0	5
Net income	$2,542,000	2,378
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,542,000	2,380
Net charge-offs	$328,000	1,446
Cash dividends	$1,445,000	1,743
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,496,570	2,361
2016-09-30 (YTD Data)		Rank
Total interest income	$11,064,000	1,721
Total interest expense	$584,000	2,866
Net interest income	$10,480,000	1,603
Provision for loan and lease losses	$120,000	2,560
Total noninterest income	$1,144,000	2,471
Gross Fiduciary activities income	$571,000	504
Service charges on deposit accounts	$307,000	2,427
Trading account gains and fees	$0	169
Additional Noninterest Income	$266,000	3,743
Total noninterest expense	$9,331,000	1,558
Salaries and employee benefits	$5,863,000	1,391
Premises and equipment expense	$942,000	1,797
Additional noninterest expense	$2,526,000	1,779
Pre-tax net operating income	$2,173,000	2,489
Securities gains (losses)	$59,000	1,643
Applicable income taxes	$530,000	2,011
Income before extraordinary items	$1,702,000	2,600
Extraordinary gains, net	$0	5
Net income	$1,702,000	2,601
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,702,000	2,601
Net charge-offs	$327,000	1,069
Cash dividends	$813,000	1,864
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,657,160	2,590
2016-06-30 (YTD Data)		Rank
Total interest income	$7,258,000	1,757
Total interest expense	$435,000	2,672
Net interest income	$6,823,000	1,647
Provision for loan and lease losses	$60,000	2,701
Total noninterest income	$1,152,000	1,926
Gross Fiduciary activities income	$389,000	500
Service charges on deposit accounts	$203,000	2,417
Trading account gains and fees	$0	157
Additional Noninterest Income	$560,000	2,239
Total noninterest expense	$6,199,000	1,569
Salaries and employee benefits	$3,903,000	1,403
Premises and equipment expense	$639,000	1,755
Additional noninterest expense	$1,657,000	1,814
Pre-tax net operating income	$1,716,000	2,179
Securities gains (losses)	$7,000	2,354
Applicable income taxes	$413,000	1,856
Income before extraordinary items	$1,310,000	2,345
Extraordinary gains, net	$0	16
Net income	$1,310,000	2,344
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,310,000	2,344
Net charge-offs	$293,000	881
Cash dividends	$535,000	1,896
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,304,680	2,294
2016-03-31 (YTD Data)		Rank
Total interest income	$3,618,000	1,761
Total interest expense	$219,000	2,670
Net interest income	$3,399,000	1,657
Provision for loan and lease losses	$30,000	2,510
Total noninterest income	$565,000	1,914
Gross Fiduciary activities income	$183,000	517
Service charges on deposit accounts	$102,000	2,396
Trading account gains and fees	$0	142
Additional Noninterest Income	$280,000	2,177
Total noninterest expense	$3,114,000	1,568
Salaries and employee benefits	$1,952,000	1,404
Premises and equipment expense	$330,000	1,732
Additional noninterest expense	$832,000	1,780
Pre-tax net operating income	$820,000	2,228
Securities gains (losses)	$0	2,077
Applicable income taxes	$202,000	1,832
Income before extraordinary items	$618,000	2,400
Extraordinary gains, net	$0	12
Net income	$618,000	2,400
Minority interest net income	$0	62
Net income of bank and minority interests.	$618,000	2,400
Net charge-offs	$136,000	836
Cash dividends	$257,000	1,734
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$618,000	2,350
2015-12-31 (YTD Data)		Rank
Total interest income	$13,892,000	1,779
Total interest expense	$1,070,000	2,308
Net interest income	$12,822,000	1,708
Provision for loan and lease losses	$90,000	3,155
Total noninterest income	$2,378,000	1,882
Gross Fiduciary activities income	$785,000	512
Service charges on deposit accounts	$411,000	2,472
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,182,000	2,165
Total noninterest expense	$12,238,000	1,573
Salaries and employee benefits	$7,505,000	1,429
Premises and equipment expense	$1,307,000	1,742
Additional noninterest expense	$3,426,000	1,776
Pre-tax net operating income	$2,872,000	2,391
Securities gains (losses)	$0	3,216
Applicable income taxes	$600,000	2,063
Income before extraordinary items	$2,272,000	2,502
Extraordinary gains, net	$0	23
Net income	$2,272,000	2,504
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,272,000	2,504
Net charge-offs	$95,000	2,697
Cash dividends	$1,060,000	2,053
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,272,000	2,453
2015-09-30 (YTD Data)		Rank
Total interest income	$10,285,000	1,822
Total interest expense	$843,000	2,250
Net interest income	$9,442,000	1,755
Provision for loan and lease losses	$90,000	2,744
Total noninterest income	$1,769,000	1,917
Gross Fiduciary activities income	$594,000	510
Service charges on deposit accounts	$307,000	2,482
Trading account gains and fees	$0	153
Additional Noninterest Income	$868,000	2,202
Total noninterest expense	$8,965,000	1,619
Salaries and employee benefits	$5,577,000	1,443
Premises and equipment expense	$973,000	1,777
Additional noninterest expense	$2,415,000	1,866
Pre-tax net operating income	$2,156,000	2,429
Securities gains (losses)	$0	3,031
Applicable income taxes	$460,000	2,079
Income before extraordinary items	$1,696,000	2,558
Extraordinary gains, net	$0	21
Net income	$1,696,000	2,559
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,696,000	2,559
Net charge-offs	$55,000	2,702
Cash dividends	$800,000	1,824
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,696,000	2,506
2015-06-30 (YTD Data)		Rank
Total interest income	$6,819,000	1,833
Total interest expense	$620,000	2,099
Net interest income	$6,199,000	1,787
Provision for loan and lease losses	$60,000	2,661
Total noninterest income	$1,205,000	1,902
Gross Fiduciary activities income	$411,000	506
Service charges on deposit accounts	$204,000	2,462
Trading account gains and fees	$0	157
Additional Noninterest Income	$590,000	2,211
Total noninterest expense	$5,918,000	1,637
Salaries and employee benefits	$3,672,000	1,465
Premises and equipment expense	$656,000	1,760
Additional noninterest expense	$1,590,000	1,900
Pre-tax net operating income	$1,426,000	2,432
Securities gains (losses)	$0	2,636
Applicable income taxes	$284,000	2,169
Income before extraordinary items	$1,142,000	2,518
Extraordinary gains, net	$0	22
Net income	$1,142,000	2,520
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,142,000	2,520
Net charge-offs	$84,000	1,879
Cash dividends	$526,000	1,859
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,142,000	2,462
2015-03-31 (YTD Data)		Rank
Total interest income	$3,383,000	1,847
Total interest expense	$313,000	2,097
Net interest income	$3,070,000	1,801
Provision for loan and lease losses	$30,000	2,461
Total noninterest income	$625,000	1,827
Gross Fiduciary activities income	$229,000	493
Service charges on deposit accounts	$102,000	2,439
Trading account gains and fees	$0	152
Additional Noninterest Income	$294,000	2,155
Total noninterest expense	$3,013,000	1,619
Salaries and employee benefits	$1,840,000	1,466
Premises and equipment expense	$353,000	1,675
Additional noninterest expense	$820,000	1,831
Pre-tax net operating income	$652,000	2,548
Securities gains (losses)	$0	2,027
Applicable income taxes	$132,000	2,223
Income before extraordinary items	$520,000	2,635
Extraordinary gains, net	$0	13
Net income	$520,000	2,638
Minority interest net income	$0	64
Net income of bank and minority interests.	$520,000	2,638
Net charge-offs	$42,000	1,682
Cash dividends	$273,000	1,623
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$520,000	2,563
2014-12-31 (YTD Data)		Rank
Total interest income	$13,835,000	1,811
Total interest expense	$1,427,000	1,977
Net interest income	$12,408,000	1,765
Provision for loan and lease losses	$120,000	2,961
Total noninterest income	$2,600,000	1,747
Gross Fiduciary activities income	$828,000	509
Service charges on deposit accounts	$448,000	2,473
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,324,000	1,932
Total noninterest expense	$11,527,000	1,658
Salaries and employee benefits	$6,933,000	1,502
Premises and equipment expense	$1,275,000	1,815
Additional noninterest expense	$3,319,000	1,856
Pre-tax net operating income	$3,361,000	2,090
Securities gains (losses)	$0	3,259
Applicable income taxes	$798,000	1,765
Income before extraordinary items	$2,563,000	2,263
Extraordinary gains, net	$0	17
Net income	$2,563,000	2,263
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,563,000	2,263
Net charge-offs	$202,000	2,446
Cash dividends	$1,071,000	1,956
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,563,000	2,214
2014-09-30 (YTD Data)		Rank
Total interest income	$10,399,000	1,822
Total interest expense	$1,103,000	1,947
Net interest income	$9,296,000	1,779
Provision for loan and lease losses	$90,000	2,885
Total noninterest income	$1,946,000	1,742
Gross Fiduciary activities income	$629,000	507
Service charges on deposit accounts	$335,000	2,496
Trading account gains and fees	$0	174
Additional Noninterest Income	$982,000	1,953
Total noninterest expense	$8,452,000	1,699
Salaries and employee benefits	$5,145,000	1,518
Premises and equipment expense	$941,000	1,857
Additional noninterest expense	$2,366,000	1,946
Pre-tax net operating income	$2,700,000	2,018
Securities gains (losses)	$0	2,980
Applicable income taxes	$642,000	1,744
Income before extraordinary items	$2,058,000	2,179
Extraordinary gains, net	$0	15
Net income	$2,058,000	2,179
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,058,000	2,178
Net charge-offs	$185,000	2,079
Cash dividends	$798,000	1,747
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,058,000	2,130
2014-06-30 (YTD Data)		Rank
Total interest income	$6,996,000	1,798
Total interest expense	$793,000	1,853
Net interest income	$6,203,000	1,767
Provision for loan and lease losses	$60,000	2,755
Total noninterest income	$1,371,000	1,649
Gross Fiduciary activities income	$433,000	494
Service charges on deposit accounts	$225,000	2,452
Trading account gains and fees	$0	172
Additional Noninterest Income	$713,000	1,833
Total noninterest expense	$5,659,000	1,687
Salaries and employee benefits	$3,429,000	1,521
Premises and equipment expense	$648,000	1,825
Additional noninterest expense	$1,582,000	1,934
Pre-tax net operating income	$1,855,000	1,931
Securities gains (losses)	$0	2,580
Applicable income taxes	$459,000	1,620
Income before extraordinary items	$1,396,000	2,106
Extraordinary gains, net	$0	20
Net income	$1,396,000	2,110
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,396,000	2,109
Net charge-offs	$191,000	1,623
Cash dividends	$545,000	1,735
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,396,000	2,039
2014-03-31 (YTD Data)		Rank
Total interest income	$3,519,000	1,773
Total interest expense	$398,000	1,870
Net interest income	$3,121,000	1,747
Provision for loan and lease losses	$30,000	2,577
Total noninterest income	$713,000	1,569
Gross Fiduciary activities income	$216,000	501
Service charges on deposit accounts	$111,000	2,454
Trading account gains and fees	$0	147
Additional Noninterest Income	$386,000	1,703
Total noninterest expense	$2,848,000	1,681
Salaries and employee benefits	$1,702,000	1,544
Premises and equipment expense	$360,000	1,668
Additional noninterest expense	$786,000	1,913
Pre-tax net operating income	$956,000	1,839
Securities gains (losses)	$0	1,715
Applicable income taxes	$232,000	1,574
Income before extraordinary items	$724,000	1,955
Extraordinary gains, net	$0	16
Net income	$724,000	1,958
Minority interest net income	$0	66
Net income of bank and minority interests.	$724,000	1,958
Net charge-offs	$10,000	2,841
Cash dividends	$272,000	1,526
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$724,000	1,910
2013-12-31 (YTD Data)		Rank
Total interest income	$14,225,000	1,755
Total interest expense	$1,844,000	1,830
Net interest income	$12,381,000	1,740
Provision for loan and lease losses	$120,000	3,475
Total noninterest income	$3,109,000	1,571
Gross Fiduciary activities income	$681,000	541
Service charges on deposit accounts	$486,000	2,434
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,942,000	1,545
Total noninterest expense	$11,759,000	1,634
Salaries and employee benefits	$7,073,000	1,470
Premises and equipment expense	$1,368,000	1,709
Additional noninterest expense	$3,318,000	1,910
Pre-tax net operating income	$3,611,000	1,855
Securities gains (losses)	$0	3,182
Applicable income taxes	$850,000	1,626
Income before extraordinary items	$2,761,000	2,020
Extraordinary gains, net	$0	29
Net income	$2,761,000	2,023
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,761,000	2,024
Net charge-offs	$139,000	3,405
Cash dividends	$1,060,000	1,853
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,761,000	1,973
2013-09-30 (YTD Data)		Rank
Total interest income	$10,707,000	1,755
Total interest expense	$1,404,000	1,851
Net interest income	$9,303,000	1,735
Provision for loan and lease losses	$90,000	3,447
Total noninterest income	$2,499,000	1,527
Gross Fiduciary activities income	$500,000	544
Service charges on deposit accounts	$367,000	2,434
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,632,000	1,457
Total noninterest expense	$8,498,000	1,706
Salaries and employee benefits	$5,156,000	1,513
Premises and equipment expense	$1,026,000	1,728
Additional noninterest expense	$2,316,000	2,020
Pre-tax net operating income	$3,214,000	1,640
Securities gains (losses)	$0	3,040
Applicable income taxes	$804,000	1,444
Income before extraordinary items	$2,410,000	1,824
Extraordinary gains, net	$0	25
Net income	$2,410,000	1,828
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,410,000	1,829
Net charge-offs	$11,000	4,675
Cash dividends	$787,000	1,685
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,410,000	1,778
2013-06-30 (YTD Data)		Rank
Total interest income	$7,049,000	1,778
Total interest expense	$968,000	1,834
Net interest income	$6,081,000	1,763
Provision for loan and lease losses	$60,000	3,384
Total noninterest income	$1,850,000	1,424
Gross Fiduciary activities income	$331,000	553
Service charges on deposit accounts	$241,000	2,432
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,278,000	1,329
Total noninterest expense	$5,640,000	1,713
Salaries and employee benefits	$3,386,000	1,534
Premises and equipment expense	$708,000	1,672
Additional noninterest expense	$1,546,000	2,017
Pre-tax net operating income	$2,231,000	1,574
Securities gains (losses)	$0	2,791
Applicable income taxes	$585,000	1,380
Income before extraordinary items	$1,646,000	1,774
Extraordinary gains, net	$0	22
Net income	$1,646,000	1,779
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,646,000	1,780
Net charge-offs	$-6,000	6,001
Cash dividends	$549,000	1,616
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,646,000	1,716
2013-03-31 (YTD Data)		Rank
Total interest income	$3,592,000	1,753
Total interest expense	$522,000	1,765
Net interest income	$3,070,000	1,753
Provision for loan and lease losses	$30,000	3,174
Total noninterest income	$1,223,000	1,166
Gross Fiduciary activities income	$164,000	559
Service charges on deposit accounts	$120,000	2,433
Trading account gains and fees	$0	148
Additional Noninterest Income	$939,000	1,040
Total noninterest expense	$2,886,000	1,678
Salaries and employee benefits	$1,681,000	1,565
Premises and equipment expense	$412,000	1,477
Additional noninterest expense	$793,000	1,972
Pre-tax net operating income	$1,377,000	1,313
Securities gains (losses)	$0	1,966
Applicable income taxes	$348,000	1,193
Income before extraordinary items	$1,029,000	1,434
Extraordinary gains, net	$0	10
Net income	$1,029,000	1,436
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,029,000	1,436
Net charge-offs	$-173,000	6,895
Cash dividends	$274,000	1,406
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$1,029,000	1,380
2012-12-31 (YTD Data)		Rank
Total interest income	$14,559,000	1,808
Total interest expense	$2,437,000	1,794
Net interest income	$12,122,000	1,807
Provision for loan and lease losses	$400,000	3,016
Total noninterest income	$2,797,000	1,728
Gross Fiduciary activities income	$630,000	549
Service charges on deposit accounts	$499,000	2,492
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,668,000	1,732
Total noninterest expense	$11,480,000	1,679
Salaries and employee benefits	$6,955,000	1,469
Premises and equipment expense	$1,319,000	1,795
Additional noninterest expense	$3,206,000	2,028
Pre-tax net operating income	$3,039,000	2,068
Securities gains (losses)	$0	3,810
Applicable income taxes	$684,000	1,864
Income before extraordinary items	$2,355,000	2,283
Extraordinary gains, net	$0	29
Net income	$2,355,000	2,283
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,355,000	2,285
Net charge-offs	$8,000	5,657
Cash dividends	$1,074,000	1,867
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,355,000	2,159
2012-09-30 (YTD Data)		Rank
Total interest income	$10,919,000	1,840
Total interest expense	$1,856,000	1,835
Net interest income	$9,063,000	1,836
Provision for loan and lease losses	$270,000	3,108
Total noninterest income	$2,190,000	1,668
Gross Fiduciary activities income	$473,000	552
Service charges on deposit accounts	$365,000	2,571
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,352,000	1,633
Total noninterest expense	$8,308,000	1,735
Salaries and employee benefits	$5,045,000	1,504
Premises and equipment expense	$925,000	1,924
Additional noninterest expense	$2,338,000	2,086
Pre-tax net operating income	$2,675,000	1,843
Securities gains (losses)	$0	3,575
Applicable income taxes	$636,000	1,684
Income before extraordinary items	$2,039,000	2,071
Extraordinary gains, net	$0	20
Net income	$2,039,000	2,069
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,039,000	2,072
Net charge-offs	$-144,000	7,073
Cash dividends	$798,000	1,547
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,039,000	1,953
2012-06-30 (YTD Data)		Rank
Total interest income	$7,265,000	1,855
Total interest expense	$1,264,000	1,858
Net interest income	$6,001,000	1,843
Provision for loan and lease losses	$240,000	2,731
Total noninterest income	$1,417,000	1,694
Gross Fiduciary activities income	$315,000	565
Service charges on deposit accounts	$238,000	2,594
Trading account gains and fees	$0	153
Additional Noninterest Income	$864,000	1,675
Total noninterest expense	$5,581,000	1,740
Salaries and employee benefits	$3,379,000	1,498
Premises and equipment expense	$633,000	1,874
Additional noninterest expense	$1,569,000	2,079
Pre-tax net operating income	$1,597,000	2,036
Securities gains (losses)	$0	3,178
Applicable income taxes	$364,000	1,829
Income before extraordinary items	$1,233,000	2,217
Extraordinary gains, net	$0	19
Net income	$1,233,000	2,217
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,233,000	2,217
Net charge-offs	$-88,000	7,072
Cash dividends	$522,000	1,552
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,233,000	2,098
2012-03-31 (YTD Data)		Rank
Total interest income	$3,625,000	1,872
Total interest expense	$650,000	1,876
Net interest income	$2,975,000	1,869
Provision for loan and lease losses	$150,000	2,302
Total noninterest income	$710,000	1,687
Gross Fiduciary activities income	$159,000	563
Service charges on deposit accounts	$119,000	2,560
Trading account gains and fees	$0	148
Additional Noninterest Income	$432,000	1,664
Total noninterest expense	$2,823,000	1,707
Salaries and employee benefits	$1,682,000	1,514
Premises and equipment expense	$332,000	1,779
Additional noninterest expense	$809,000	2,009
Pre-tax net operating income	$712,000	2,248
Securities gains (losses)	$0	2,210
Applicable income taxes	$146,000	2,070
Income before extraordinary items	$566,000	2,361
Extraordinary gains, net	$0	19
Net income	$566,000	2,363
Minority interest net income	$0	78
Net income of bank and minority interests.	$566,000	2,364
Net charge-offs	$-80,000	7,150
Cash dividends	$277,000	1,345
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$566,000	2,250
2011-12-31 (YTD Data)		Rank
Total interest income	$15,527,000	1,815
Total interest expense	$3,092,000	1,908
Net interest income	$12,435,000	1,797
Provision for loan and lease losses	$682,000	2,981
Total noninterest income	$2,210,000	1,863
Gross Fiduciary activities income	$680,000	501
Service charges on deposit accounts	$546,000	2,396
Trading account gains and fees	$0	146
Additional Noninterest Income	$984,000	2,160
Total noninterest expense	$11,070,000	1,752
Salaries and employee benefits	$6,687,000	1,475
Premises and equipment expense	$1,123,000	2,169
Additional noninterest expense	$3,260,000	2,048
Pre-tax net operating income	$2,893,000	1,902
Securities gains (losses)	$92,000	2,140
Applicable income taxes	$669,000	1,729
Income before extraordinary items	$2,316,000	1,995
Extraordinary gains, net	$0	29
Net income	$2,316,000	1,996
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,316,000	1,996
Net charge-offs	$1,375,000	1,998
Cash dividends	$1,059,000	1,552
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,244,240	1,964
2011-09-30 (YTD Data)		Rank
Total interest income	$11,855,000	1,794
Total interest expense	$2,373,000	1,942
Net interest income	$9,482,000	1,781
Provision for loan and lease losses	$300,000	3,601
Total noninterest income	$1,596,000	1,918
Gross Fiduciary activities income	$523,000	485
Service charges on deposit accounts	$409,000	2,413
Trading account gains and fees	$0	145
Additional Noninterest Income	$664,000	2,290
Total noninterest expense	$8,216,000	1,767
Salaries and employee benefits	$4,991,000	1,488
Premises and equipment expense	$779,000	2,360
Additional noninterest expense	$2,446,000	2,049
Pre-tax net operating income	$2,562,000	1,697
Securities gains (losses)	$0	3,555
Applicable income taxes	$641,000	1,508
Income before extraordinary items	$1,921,000	1,902
Extraordinary gains, net	$0	21
Net income	$1,921,000	1,901
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,921,000	1,902
Net charge-offs	$502,000	2,659
Cash dividends	$784,000	1,378
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,921,000	1,806
2011-06-30 (YTD Data)		Rank
Total interest income	$7,981,000	1,796
Total interest expense	$1,629,000	1,957
Net interest income	$6,352,000	1,762
Provision for loan and lease losses	$180,000	3,659
Total noninterest income	$1,055,000	1,916
Gross Fiduciary activities income	$368,000	479
Service charges on deposit accounts	$268,000	2,425
Trading account gains and fees	$0	153
Additional Noninterest Income	$419,000	2,372
Total noninterest expense	$5,521,000	1,766
Salaries and employee benefits	$3,290,000	1,526
Premises and equipment expense	$506,000	2,420
Additional noninterest expense	$1,725,000	1,984
Pre-tax net operating income	$1,706,000	1,662
Securities gains (losses)	$0	2,914
Applicable income taxes	$430,000	1,464
Income before extraordinary items	$1,276,000	1,855
Extraordinary gains, net	$0	15
Net income	$1,276,000	1,855
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,276,000	1,855
Net charge-offs	$317,000	2,630
Cash dividends	$511,000	1,384
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,276,000	1,788
2011-03-31 (YTD Data)		Rank
Total interest income	$4,011,000	1,799
Total interest expense	$831,000	1,990
Net interest income	$3,180,000	1,758
Provision for loan and lease losses	$90,000	3,467
Total noninterest income	$486,000	2,032
Gross Fiduciary activities income	$155,000	525
Service charges on deposit accounts	$135,000	2,385
Trading account gains and fees	$0	158
Additional Noninterest Income	$196,000	2,493
Total noninterest expense	$2,713,000	1,814
Salaries and employee benefits	$1,632,000	1,544
Premises and equipment expense	$276,000	2,286
Additional noninterest expense	$805,000	2,096
Pre-tax net operating income	$863,000	1,660
Securities gains (losses)	$0	1,772
Applicable income taxes	$218,000	1,421
Income before extraordinary items	$645,000	1,801
Extraordinary gains, net	$0	9
Net income	$645,000	1,800
Minority interest net income	$0	86
Net income of bank and minority interests.	$645,000	1,801
Net charge-offs	$44,000	3,462
Cash dividends	$238,000	1,298
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$645,000	1,749
2010-12-31 (YTD Data)		Rank
Total interest income	$16,766,000	1,806
Total interest expense	$3,913,000	2,035
Net interest income	$12,853,000	1,725
Provision for loan and lease losses	$655,000	3,704
Total noninterest income	$2,392,000	1,822
Gross Fiduciary activities income	$613,000	511
Service charges on deposit accounts	$594,000	2,306
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,185,000	1,970
Total noninterest expense	$11,003,000	1,790
Salaries and employee benefits	$6,561,000	1,505
Premises and equipment expense	$1,063,000	2,347
Additional noninterest expense	$3,379,000	2,062
Pre-tax net operating income	$3,587,000	1,384
Securities gains (losses)	$0	3,793
Applicable income taxes	$1,073,000	1,161
Income before extraordinary items	$2,514,000	1,641
Extraordinary gains, net	$0	29
Net income	$2,514,000	1,641
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,514,000	1,643
Net charge-offs	$408,000	3,913
Cash dividends	$1,053,000	1,410
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,514,000	1,581
2010-09-30 (YTD Data)		Rank
Total interest income	$12,666,000	1,829
Total interest expense	$3,017,000	2,064
Net interest income	$9,649,000	1,741
Provision for loan and lease losses	$445,000	3,754
Total noninterest income	$1,603,000	1,996
Gross Fiduciary activities income	$453,000	514
Service charges on deposit accounts	$448,000	2,357
Trading account gains and fees	$0	165
Additional Noninterest Income	$702,000	2,257
Total noninterest expense	$7,977,000	1,836
Salaries and employee benefits	$4,868,000	1,517
Premises and equipment expense	$771,000	2,466
Additional noninterest expense	$2,338,000	2,198
Pre-tax net operating income	$2,830,000	1,387
Securities gains (losses)	$0	3,651
Applicable income taxes	$822,000	1,172
Income before extraordinary items	$2,008,000	1,647
Extraordinary gains, net	$0	23
Net income	$2,008,000	1,650
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,008,000	1,650
Net charge-offs	$289,000	3,777
Cash dividends	$779,000	1,291
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,008,000	1,574
2010-06-30 (YTD Data)		Rank
Total interest income	$8,495,000	1,841
Total interest expense	$2,115,000	2,045
Net interest income	$6,380,000	1,751
Provision for loan and lease losses	$230,000	4,028
Total noninterest income	$960,000	2,115
Gross Fiduciary activities income	$293,000	528
Service charges on deposit accounts	$303,000	2,341
Trading account gains and fees	$0	152
Additional Noninterest Income	$364,000	2,547
Total noninterest expense	$5,223,000	1,876
Salaries and employee benefits	$3,175,000	1,559
Premises and equipment expense	$525,000	2,427
Additional noninterest expense	$1,523,000	2,228
Pre-tax net operating income	$1,887,000	1,371
Securities gains (losses)	$0	3,184
Applicable income taxes	$538,000	1,151
Income before extraordinary items	$1,349,000	1,623
Extraordinary gains, net	$0	19
Net income	$1,349,000	1,622
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,349,000	1,623
Net charge-offs	$81,000	4,465
Cash dividends	$503,000	1,310
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,349,000	1,550
2010-03-31 (YTD Data)		Rank
Total interest income	$4,313,000	1,858
Total interest expense	$1,081,000	2,107
Net interest income	$3,232,000	1,758
Provision for loan and lease losses	$140,000	3,543
Total noninterest income	$491,000	2,061
Gross Fiduciary activities income	$152,000	526
Service charges on deposit accounts	$154,000	2,292
Trading account gains and fees	$0	175
Additional Noninterest Income	$185,000	2,513
Total noninterest expense	$2,662,000	1,867
Salaries and employee benefits	$1,581,000	1,581
Premises and equipment expense	$283,000	2,324
Additional noninterest expense	$798,000	2,129
Pre-tax net operating income	$921,000	1,416
Securities gains (losses)	$0	2,284
Applicable income taxes	$258,000	1,173
Income before extraordinary items	$663,000	1,643
Extraordinary gains, net	$0	16
Net income	$663,000	1,644
Minority interest net income	$0	91
Net income of bank and minority interests.	$663,000	1,645
Net charge-offs	$62,000	3,547
Cash dividends	$230,000	1,284
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$663,000	1,582
2009-12-31 (YTD Data)		Rank
Total interest income	$18,375,000	1,846
Total interest expense	$4,750,000	2,376
Net interest income	$13,625,000	1,650
Provision for loan and lease losses	$900,000	3,660
Total noninterest income	$2,027,000	2,110
Gross Fiduciary activities income	$591,000	511
Service charges on deposit accounts	$636,000	2,436
Trading account gains and fees	$0	211
Additional Noninterest Income	$800,000	2,455
Total noninterest expense	$11,339,000	1,801
Salaries and employee benefits	$6,587,000	1,520
Premises and equipment expense	$1,066,000	2,448
Additional noninterest expense	$3,686,000	1,986
Pre-tax net operating income	$3,413,000	1,191
Securities gains (losses)	$-15,000	7,039
Applicable income taxes	$885,000	1,054
Income before extraordinary items	$2,513,000	1,332
Extraordinary gains, net	$0	34
Net income	$2,513,000	1,330
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,513,000	1,331
Net charge-offs	$318,000	4,417
Cash dividends	$930,000	1,723
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,524,100	1,305
2009-09-30 (YTD Data)		Rank
Total interest income	$13,851,000	1,875
Total interest expense	$3,596,000	2,448
Net interest income	$10,255,000	1,647
Provision for loan and lease losses	$675,000	3,339
Total noninterest income	$1,526,000	2,144
Gross Fiduciary activities income	$433,000	513
Service charges on deposit accounts	$473,000	2,471
Trading account gains and fees	$0	212
Additional Noninterest Income	$620,000	2,467
Total noninterest expense	$8,488,000	1,783
Salaries and employee benefits	$4,824,000	1,562
Premises and equipment expense	$787,000	2,507
Additional noninterest expense	$2,877,000	1,855
Pre-tax net operating income	$2,618,000	1,235
Securities gains (losses)	$-15,000	7,265
Applicable income taxes	$702,000	1,091
Income before extraordinary items	$1,901,000	1,403
Extraordinary gains, net	$0	27
Net income	$1,901,000	1,402
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,901,000	1,404
Net charge-offs	$239,000	4,031
Cash dividends	$650,000	1,695
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,911,950	1,371
2009-06-30 (YTD Data)		Rank
Total interest income	$9,358,000	1,888
Total interest expense	$2,466,000	2,488
Net interest income	$6,892,000	1,640
Provision for loan and lease losses	$525,000	2,906
Total noninterest income	$1,025,000	2,148
Gross Fiduciary activities income	$296,000	509
Service charges on deposit accounts	$314,000	2,451
Trading account gains and fees	$0	193
Additional Noninterest Income	$415,000	2,500
Total noninterest expense	$5,647,000	1,817
Salaries and employee benefits	$3,200,000	1,603
Premises and equipment expense	$549,000	2,452
Additional noninterest expense	$1,898,000	1,887
Pre-tax net operating income	$1,745,000	1,317
Securities gains (losses)	$-15,000	7,507
Applicable income taxes	$466,000	1,144
Income before extraordinary items	$1,264,000	1,475
Extraordinary gains, net	$0	21
Net income	$1,264,000	1,473
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,264,000	1,474
Net charge-offs	$123,000	4,015
Cash dividends	$377,000	1,960
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,274,950	1,436
2009-03-31 (YTD Data)		Rank
Total interest income	$4,778,000	1,873
Total interest expense	$1,275,000	2,493
Net interest income	$3,503,000	1,598
Provision for loan and lease losses	$300,000	2,285
Total noninterest income	$519,000	2,076
Gross Fiduciary activities income	$153,000	505
Service charges on deposit accounts	$157,000	2,370
Trading account gains and fees	$0	171
Additional Noninterest Income	$209,000	2,450
Total noninterest expense	$2,826,000	1,748
Salaries and employee benefits	$1,587,000	1,637
Premises and equipment expense	$301,000	2,294
Additional noninterest expense	$938,000	1,725
Pre-tax net operating income	$896,000	1,440
Securities gains (losses)	$-19,000	7,867
Applicable income taxes	$230,000	1,301
Income before extraordinary items	$647,000	1,668
Extraordinary gains, net	$0	15
Net income	$647,000	1,669
Minority interest net income	$0	102
Net income of bank and minority interests.	$647,000	1,670
Net charge-offs	$31,000	3,989
Cash dividends	$105,000	2,198
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$661,060	1,550
2008-12-31 (YTD Data)		Rank
Total interest income	$19,773,000	1,940
Total interest expense	$6,179,000	2,447
Net interest income	$13,594,000	1,636
Provision for loan and lease losses	$1,270,000	2,379
Total noninterest income	$1,962,000	2,178
Gross Fiduciary activities income	$631,000	515
Service charges on deposit accounts	$690,000	2,369
Trading account gains and fees	$0	154
Additional Noninterest Income	$641,000	2,790
Total noninterest expense	$10,375,000	1,862
Salaries and employee benefits	$6,038,000	1,691
Premises and equipment expense	$1,224,000	2,203
Additional noninterest expense	$3,113,000	1,947
Pre-tax net operating income	$3,911,000	1,396
Securities gains (losses)	$-450,000	7,512
Applicable income taxes	$975,000	1,220
Income before extraordinary items	$2,486,000	1,624
Extraordinary gains, net	$0	39
Net income	$2,486,000	1,625
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$440,000	2,982
Cash dividends	$1,181,000	2,086
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,810,000	1,554
2008-09-30 (YTD Data)		Rank
Total interest income	$14,666,000	1,991
Total interest expense	$4,767,000	2,482
Net interest income	$9,899,000	1,695
Provision for loan and lease losses	$845,000	2,025
Total noninterest income	$1,505,000	2,209
Gross Fiduciary activities income	$498,000	511
Service charges on deposit accounts	$516,000	2,393
Trading account gains and fees	$0	148
Additional Noninterest Income	$491,000	2,852
Total noninterest expense	$7,399,000	1,941
Salaries and employee benefits	$4,445,000	1,743
Premises and equipment expense	$898,000	2,264
Additional noninterest expense	$2,056,000	2,113
Pre-tax net operating income	$3,160,000	1,548
Securities gains (losses)	$51,000	1,403
Applicable income taxes	$981,000	1,171
Income before extraordinary items	$2,230,000	1,624
Extraordinary gains, net	$0	31
Net income	$2,230,000	1,624
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$342,000	2,404
Cash dividends	$874,000	2,004
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,194,810	1,739
2008-06-30 (YTD Data)		Rank
Total interest income	$9,727,000	2,035
Total interest expense	$3,315,000	2,479
Net interest income	$6,412,000	1,741
Provision for loan and lease losses	$330,000	2,398
Total noninterest income	$983,000	2,259
Gross Fiduciary activities income	$348,000	510
Service charges on deposit accounts	$343,000	2,382
Trading account gains and fees	$0	149
Additional Noninterest Income	$292,000	3,071
Total noninterest expense	$4,911,000	1,950
Salaries and employee benefits	$2,916,000	1,785
Premises and equipment expense	$620,000	2,179
Additional noninterest expense	$1,375,000	2,069
Pre-tax net operating income	$2,154,000	1,581
Securities gains (losses)	$51,000	1,432
Applicable income taxes	$704,000	1,227
Income before extraordinary items	$1,501,000	1,807
Extraordinary gains, net	$0	21
Net income	$1,501,000	1,809
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	3,249
Cash dividends	$591,000	2,080
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,466,320	1,810
2008-03-31 (YTD Data)		Rank
Total interest income	$4,839,000	2,098
Total interest expense	$1,780,000	2,466
Net interest income	$3,059,000	1,829
Provision for loan and lease losses	$135,000	2,308
Total noninterest income	$501,000	2,234
Gross Fiduciary activities income	$209,000	472
Service charges on deposit accounts	$170,000	2,369
Trading account gains and fees	$0	158
Additional Noninterest Income	$122,000	3,415
Total noninterest expense	$2,448,000	1,955
Salaries and employee benefits	$1,467,000	1,796
Premises and equipment expense	$329,000	2,058
Additional noninterest expense	$652,000	2,147
Pre-tax net operating income	$977,000	1,826
Securities gains (losses)	$51,000	1,072
Applicable income taxes	$325,000	1,393
Income before extraordinary items	$703,000	2,025
Extraordinary gains, net	$0	15
Net income	$703,000	2,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	2,218
Cash dividends	$310,000	1,829
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$668,320	2,046
2007-12-31 (YTD Data)		Rank
Total interest income	$18,586,000	2,217
Total interest expense	$7,194,000	2,556
Net interest income	$11,392,000	1,991
Provision for loan and lease losses	$500,000	2,315
Total noninterest income	$1,972,000	2,235
Gross Fiduciary activities income	$675,000	523
Service charges on deposit accounts	$701,000	2,368
Trading account gains and fees	$0	178
Additional Noninterest Income	$596,000	3,009
Total noninterest expense	$9,482,000	1,953
Salaries and employee benefits	$5,486,000	1,838
Premises and equipment expense	$1,179,000	2,203
Additional noninterest expense	$2,817,000	1,960
Pre-tax net operating income	$3,382,000	2,249
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,006,000	1,858
Income before extraordinary items	$2,376,000	2,483
Extraordinary gains, net	$0	39
Net income	$2,376,000	2,482
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$191,000	2,922
Cash dividends	$952,000	2,717
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,376,000	2,475
2007-09-30 (YTD Data)		Rank
Total interest income	$13,660,000	2,272
Total interest expense	$5,283,000	2,599
Net interest income	$8,377,000	2,051
Provision for loan and lease losses	$295,000	2,341
Total noninterest income	$1,491,000	2,226
Gross Fiduciary activities income	$516,000	521
Service charges on deposit accounts	$513,000	2,391
Trading account gains and fees	$0	184
Additional Noninterest Income	$462,000	2,973
Total noninterest expense	$7,001,000	1,965
Salaries and employee benefits	$4,031,000	1,863
Premises and equipment expense	$866,000	2,238
Additional noninterest expense	$2,104,000	1,918
Pre-tax net operating income	$2,572,000	2,385
Securities gains (losses)	$0	1,655
Applicable income taxes	$769,000	1,951
Income before extraordinary items	$1,803,000	2,586
Extraordinary gains, net	$0	33
Net income	$1,803,000	2,584
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$192,000	2,023
Cash dividends	$659,000	2,556
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,803,000	2,567
2007-06-30 (YTD Data)		Rank
Total interest income	$8,931,000	2,330
Total interest expense	$3,352,000	2,720
Net interest income	$5,579,000	2,084
Provision for loan and lease losses	$210,000	2,072
Total noninterest income	$1,006,000	2,242
Gross Fiduciary activities income	$357,000	520
Service charges on deposit accounts	$338,000	2,412
Trading account gains and fees	$0	168
Additional Noninterest Income	$311,000	2,953
Total noninterest expense	$4,605,000	2,010
Salaries and employee benefits	$2,659,000	1,920
Premises and equipment expense	$594,000	2,178
Additional noninterest expense	$1,352,000	1,995
Pre-tax net operating income	$1,770,000	2,367
Securities gains (losses)	$0	1,444
Applicable income taxes	$553,000	1,936
Income before extraordinary items	$1,217,000	2,608
Extraordinary gains, net	$0	29
Net income	$1,217,000	2,607
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$140,000	1,695
Cash dividends	$386,000	2,829
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,217,000	2,590
2007-03-31 (YTD Data)		Rank
Total interest income	$4,435,000	2,345
Total interest expense	$1,661,000	2,729
Net interest income	$2,774,000	2,095
Provision for loan and lease losses	$105,000	1,929
Total noninterest income	$502,000	2,211
Gross Fiduciary activities income	$176,000	518
Service charges on deposit accounts	$165,000	2,422
Trading account gains and fees	$0	195
Additional Noninterest Income	$161,000	2,888
Total noninterest expense	$2,307,000	2,004
Salaries and employee benefits	$1,324,000	1,939
Premises and equipment expense	$313,000	2,079
Additional noninterest expense	$670,000	1,972
Pre-tax net operating income	$864,000	2,420
Securities gains (losses)	$0	1,187
Applicable income taxes	$240,000	2,145
Income before extraordinary items	$624,000	2,552
Extraordinary gains, net	$0	22
Net income	$624,000	2,554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	1,312
Cash dividends	$193,000	2,507
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$624,000	2,528
2006-12-31 (YTD Data)		Rank
Total interest income	$17,493,000	2,229
Total interest expense	$6,484,000	2,425
Net interest income	$11,009,000	2,102
Provision for loan and lease losses	$310,000	2,704
Total noninterest income	$1,854,000	2,349
Gross Fiduciary activities income	$575,000	554
Service charges on deposit accounts	$695,000	2,384
Trading account gains and fees	$0	130
Additional Noninterest Income	$584,000	3,067
Total noninterest expense	$9,810,000	1,815
Salaries and employee benefits	$5,566,000	1,757
Premises and equipment expense	$1,210,000	2,065
Additional noninterest expense	$3,034,000	1,741
Pre-tax net operating income	$2,743,000	2,947
Securities gains (losses)	$3,000	1,365
Applicable income taxes	$763,000	2,545
Income before extraordinary items	$1,983,000	3,119
Extraordinary gains, net	$0	51
Net income	$1,983,000	3,118
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	5,595
Cash dividends	$1,065,000	2,464
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,980,840	3,112
2006-09-30 (YTD Data)		Rank
Total interest income	$12,902,000	2,256
Total interest expense	$4,767,000	2,414
Net interest income	$8,135,000	2,153
Provision for loan and lease losses	$150,000	3,386
Total noninterest income	$1,359,000	2,392
Gross Fiduciary activities income	$422,000	555
Service charges on deposit accounts	$517,000	2,412
Trading account gains and fees	$0	126
Additional Noninterest Income	$420,000	3,139
Total noninterest expense	$7,346,000	1,814
Salaries and employee benefits	$4,194,000	1,746
Premises and equipment expense	$912,000	2,063
Additional noninterest expense	$2,240,000	1,742
Pre-tax net operating income	$1,998,000	3,108
Securities gains (losses)	$3,000	1,123
Applicable income taxes	$550,000	2,729
Income before extraordinary items	$1,451,000	3,272
Extraordinary gains, net	$0	45
Net income	$1,451,000	3,274
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	3,744
Cash dividends	$762,000	2,308
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,448,810	3,273
2006-06-30 (YTD Data)		Rank
Total interest income	$8,427,000	2,262
Total interest expense	$2,956,000	2,466
Net interest income	$5,471,000	2,138
Provision for loan and lease losses	$90,000	3,463
Total noninterest income	$903,000	2,391
Gross Fiduciary activities income	$277,000	567
Service charges on deposit accounts	$343,000	2,396
Trading account gains and fees	$0	126
Additional Noninterest Income	$283,000	3,118
Total noninterest expense	$4,994,000	1,782
Salaries and employee benefits	$2,827,000	1,737
Premises and equipment expense	$634,000	1,995
Additional noninterest expense	$1,533,000	1,724
Pre-tax net operating income	$1,290,000	3,199
Securities gains (losses)	$3,000	925
Applicable income taxes	$342,000	2,863
Income before extraordinary items	$951,000	3,329
Extraordinary gains, net	$0	39
Net income	$951,000	3,331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	2,380
Cash dividends	$467,000	2,492
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$948,780	3,328
2006-03-31 (YTD Data)		Rank
Total interest income	$4,108,000	2,270
Total interest expense	$1,339,000	2,574
Net interest income	$2,769,000	2,095
Provision for loan and lease losses	$45,000	3,261
Total noninterest income	$434,000	2,419
Gross Fiduciary activities income	$137,000	576
Service charges on deposit accounts	$168,000	2,369
Trading account gains and fees	$0	115
Additional Noninterest Income	$129,000	3,249
Total noninterest expense	$2,558,000	1,746
Salaries and employee benefits	$1,416,000	1,732
Premises and equipment expense	$341,000	1,853
Additional noninterest expense	$801,000	1,627
Pre-tax net operating income	$600,000	3,311
Securities gains (losses)	$0	955
Applicable income taxes	$122,000	3,320
Income before extraordinary items	$478,000	3,284
Extraordinary gains, net	$0	21
Net income	$478,000	3,283
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,205
Cash dividends	$281,000	2,041
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$478,000	3,257
2005-12-31 (YTD Data)		Rank
Total interest income	$15,043,000	2,212
Total interest expense	$4,132,000	2,578
Net interest income	$10,911,000	2,029
Provision for loan and lease losses	$150,000	4,107
Total noninterest income	$1,794,000	2,381
Gross Fiduciary activities income	$542,000	566
Service charges on deposit accounts	$588,000	2,705
Trading account gains and fees	$0	138
Additional Noninterest Income	$664,000	2,859
Total noninterest expense	$10,670,000	1,607
Salaries and employee benefits	$5,665,000	1,656
Premises and equipment expense	$1,402,000	1,732
Additional noninterest expense	$3,603,000	1,421
Pre-tax net operating income	$1,885,000	3,824
Securities gains (losses)	$-133,000	8,503
Applicable income taxes	$345,000	3,925
Income before extraordinary items	$1,407,000	3,944
Extraordinary gains, net	$0	46
Net income	$1,407,000	3,944
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	4,615
Cash dividends	$1,046,000	2,358
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,513,400	3,736
2005-09-30 (YTD Data)		Rank
Total interest income	$11,005,000	2,209
Total interest expense	$2,950,000	2,573
Net interest income	$8,055,000	2,050
Provision for loan and lease losses	$75,000	4,689
Total noninterest income	$1,350,000	2,384
Gross Fiduciary activities income	$403,000	558
Service charges on deposit accounts	$410,000	2,862
Trading account gains and fees	$0	126
Additional Noninterest Income	$537,000	2,742
Total noninterest expense	$7,741,000	1,633
Salaries and employee benefits	$4,222,000	1,639
Premises and equipment expense	$1,055,000	1,727
Additional noninterest expense	$2,464,000	1,524
Pre-tax net operating income	$1,589,000	3,601
Securities gains (losses)	$-133,000	8,676
Applicable income taxes	$309,000	3,758
Income before extraordinary items	$1,147,000	3,793
Extraordinary gains, net	$0	35
Net income	$1,147,000	3,794
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	4,089
Cash dividends	$771,000	2,168
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,252,070	3,527
2005-06-30 (YTD Data)		Rank
Total interest income	$7,235,000	2,178
Total interest expense	$1,896,000	2,521
Net interest income	$5,339,000	2,043
Provision for loan and lease losses	$0	6,626
Total noninterest income	$872,000	2,405
Gross Fiduciary activities income	$262,000	569
Service charges on deposit accounts	$265,000	2,879
Trading account gains and fees	$0	116
Additional Noninterest Income	$345,000	2,804
Total noninterest expense	$5,013,000	1,669
Salaries and employee benefits	$2,686,000	1,715
Premises and equipment expense	$714,000	1,678
Additional noninterest expense	$1,613,000	1,543
Pre-tax net operating income	$1,198,000	3,252
Securities gains (losses)	$-133,000	8,735
Applicable income taxes	$227,000	3,571
Income before extraordinary items	$838,000	3,526
Extraordinary gains, net	$0	30
Net income	$838,000	3,528
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	3,094
Cash dividends	$508,000	2,155
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$943,070	3,190
2005-03-31 (YTD Data)		Rank
Total interest income	$3,500,000	2,210
Total interest expense	$875,000	2,598
Net interest income	$2,625,000	2,055
Provision for loan and lease losses	$0	6,226
Total noninterest income	$417,000	2,428
Gross Fiduciary activities income	$131,000	584
Service charges on deposit accounts	$128,000	2,879
Trading account gains and fees	$0	115
Additional Noninterest Income	$158,000	2,881
Total noninterest expense	$2,479,000	1,698
Salaries and employee benefits	$1,346,000	1,714
Premises and equipment expense	$358,000	1,684
Additional noninterest expense	$775,000	1,593
Pre-tax net operating income	$563,000	3,375
Securities gains (losses)	$-154,000	8,855
Applicable income taxes	$56,000	4,620
Income before extraordinary items	$353,000	3,939
Extraordinary gains, net	$0	24
Net income	$353,000	3,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	2,179
Cash dividends	$251,000	1,939
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$485,440	3,082
2004-12-31 (YTD Data)		Rank
Total interest income	$13,199,000	2,180
Total interest expense	$2,959,000	2,663
Net interest income	$10,240,000	1,982
Provision for loan and lease losses	$0	7,314
Total noninterest income	$1,728,000	2,437
Gross Fiduciary activities income	$536,000	552
Service charges on deposit accounts	$603,000	2,691
Trading account gains and fees	$0	138
Additional Noninterest Income	$589,000	3,021
Total noninterest expense	$11,132,000	1,463
Salaries and employee benefits	$5,767,000	1,538
Premises and equipment expense	$1,373,000	1,696
Additional noninterest expense	$3,992,000	1,238
Pre-tax net operating income	$836,000	5,683
Securities gains (losses)	$33,000	2,039
Applicable income taxes	$14,000	6,668
Income before extraordinary items	$855,000	5,105
Extraordinary gains, net	$0	34
Net income	$855,000	5,106
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	5,319
Cash dividends	$952,000	2,435
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$822,660	5,130
2004-09-30 (YTD Data)		Rank
Total interest income	$9,722,000	2,191
Total interest expense	$2,167,000	2,672
Net interest income	$7,555,000	1,994
Provision for loan and lease losses	$0	7,100
Total noninterest income	$1,255,000	2,501
Gross Fiduciary activities income	$381,000	570
Service charges on deposit accounts	$451,000	2,714
Trading account gains and fees	$0	134
Additional Noninterest Income	$423,000	3,098
Total noninterest expense	$7,810,000	1,556
Salaries and employee benefits	$4,322,000	1,534
Premises and equipment expense	$1,009,000	1,723
Additional noninterest expense	$2,479,000	1,478
Pre-tax net operating income	$1,000,000	4,608
Securities gains (losses)	$33,000	1,968
Applicable income taxes	$260,000	4,011
Income before extraordinary items	$773,000	4,713
Extraordinary gains, net	$0	26
Net income	$773,000	4,713
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	4,073
Cash dividends	$707,000	2,183
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$748,250	4,703
2004-06-30 (YTD Data)		Rank
Total interest income	$6,470,000	2,167
Total interest expense	$1,441,000	2,656
Net interest income	$5,029,000	1,980
Provision for loan and lease losses	$0	6,885
Total noninterest income	$862,000	2,461
Gross Fiduciary activities income	$254,000	571
Service charges on deposit accounts	$309,000	2,649
Trading account gains and fees	$0	130
Additional Noninterest Income	$299,000	2,992
Total noninterest expense	$5,218,000	1,551
Salaries and employee benefits	$2,882,000	1,532
Premises and equipment expense	$699,000	1,653
Additional noninterest expense	$1,637,000	1,477
Pre-tax net operating income	$673,000	4,544
Securities gains (losses)	$39,000	1,614
Applicable income taxes	$147,000	4,284
Income before extraordinary items	$565,000	4,401
Extraordinary gains, net	$0	21
Net income	$565,000	4,403
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	4,586
Cash dividends	$468,000	2,239
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$534,190	4,480
2004-03-31 (YTD Data)		Rank
Total interest income	$3,175,000	2,205
Total interest expense	$725,000	2,675
Net interest income	$2,450,000	2,044
Provision for loan and lease losses	$0	6,501
Total noninterest income	$415,000	2,477
Gross Fiduciary activities income	$126,000	574
Service charges on deposit accounts	$159,000	2,549
Trading account gains and fees	$0	121
Additional Noninterest Income	$130,000	3,191
Total noninterest expense	$2,578,000	1,580
Salaries and employee benefits	$1,422,000	1,576
Premises and equipment expense	$368,000	1,599
Additional noninterest expense	$788,000	1,526
Pre-tax net operating income	$287,000	4,913
Securities gains (losses)	$29,000	1,519
Applicable income taxes	$79,000	4,163
Income before extraordinary items	$237,000	4,891
Extraordinary gains, net	$0	16
Net income	$237,000	4,890
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	3,677
Cash dividends	$234,000	2,016
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$215,250	5,027
2003-12-31 (YTD Data)		Rank
Total interest income	$13,485,000	2,113
Total interest expense	$3,373,000	2,584
Net interest income	$10,112,000	1,931
Provision for loan and lease losses	$450,000	2,353
Total noninterest income	$2,084,000	2,260
Gross Fiduciary activities income	$453,000	601
Service charges on deposit accounts	$667,000	2,464
Trading account gains and fees	$0	160
Additional Noninterest Income	$964,000	2,447
Total noninterest expense	$10,317,000	1,542
Salaries and employee benefits	$5,628,000	1,524
Premises and equipment expense	$1,304,000	1,742
Additional noninterest expense	$3,385,000	1,451
Pre-tax net operating income	$1,429,000	4,247
Securities gains (losses)	$512,000	734
Applicable income taxes	$515,000	3,324
Income before extraordinary items	$1,426,000	3,681
Extraordinary gains, net	$0	54
Net income	$1,426,000	3,679
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$263,000	2,436
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,052,240	4,329
2003-09-30 (YTD Data)		Rank
Total interest income	$10,211,000	2,122
Total interest expense	$2,597,000	2,603
Net interest income	$7,614,000	1,928
Provision for loan and lease losses	$450,000	1,799
Total noninterest income	$1,606,000	2,246
Gross Fiduciary activities income	$336,000	600
Service charges on deposit accounts	$505,000	2,453
Trading account gains and fees	$0	153
Additional Noninterest Income	$765,000	2,435
Total noninterest expense	$7,540,000	1,607
Salaries and employee benefits	$4,172,000	1,558
Premises and equipment expense	$973,000	1,761
Additional noninterest expense	$2,395,000	1,542
Pre-tax net operating income	$1,230,000	4,000
Securities gains (losses)	$406,000	785
Applicable income taxes	$549,000	2,855
Income before extraordinary items	$1,087,000	3,784
Extraordinary gains, net	$0	40
Net income	$1,087,000	3,783
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-134,000	9,126
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$819,040	4,360
2003-06-30 (YTD Data)		Rank
Total interest income	$6,888,000	2,111
Total interest expense	$1,798,000	2,594
Net interest income	$5,090,000	1,923
Provision for loan and lease losses	$450,000	1,255
Total noninterest income	$992,000	2,372
Gross Fiduciary activities income	$223,000	607
Service charges on deposit accounts	$342,000	2,387
Trading account gains and fees	$0	150
Additional Noninterest Income	$427,000	2,686
Total noninterest expense	$4,971,000	1,618
Salaries and employee benefits	$2,731,000	1,576
Premises and equipment expense	$670,000	1,697
Additional noninterest expense	$1,570,000	1,546
Pre-tax net operating income	$661,000	4,584
Securities gains (losses)	$406,000	659
Applicable income taxes	$382,000	2,783
Income before extraordinary items	$685,000	3,926
Extraordinary gains, net	$0	30
Net income	$685,000	3,926
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-74,000	9,069
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$425,160	5,048
2003-03-31 (YTD Data)		Rank
Total interest income	$3,501,000	2,100
Total interest expense	$950,000	2,546
Net interest income	$2,551,000	1,910
Provision for loan and lease losses	$75,000	2,805
Total noninterest income	$433,000	2,533
Gross Fiduciary activities income	$108,000	621
Service charges on deposit accounts	$178,000	2,247
Trading account gains and fees	$0	134
Additional Noninterest Income	$147,000	3,254
Total noninterest expense	$2,463,000	1,626
Salaries and employee benefits	$1,332,000	1,597
Premises and equipment expense	$331,000	1,720
Additional noninterest expense	$800,000	1,481
Pre-tax net operating income	$446,000	3,777
Securities gains (losses)	$84,000	1,095
Applicable income taxes	$325,000	1,941
Income before extraordinary items	$205,000	5,271
Extraordinary gains, net	$0	21
Net income	$205,000	5,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-23,000	8,905
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$151,240	5,822
2002-12-31 (YTD Data)		Rank
Total interest income	$15,168,000	2,029
Total interest expense	$4,735,000	2,355
Net interest income	$10,433,000	1,870
Provision for loan and lease losses	$2,317,000	660
Total noninterest income	$1,628,000	2,485
Gross Fiduciary activities income	$495,000	574
Service charges on deposit accounts	$663,000	2,352
Trading account gains and fees	$0	153
Additional Noninterest Income	$470,000	3,398
Total noninterest expense	$9,804,000	1,569
Salaries and employee benefits	$5,098,000	1,586
Premises and equipment expense	$1,357,000	1,621
Additional noninterest expense	$3,349,000	1,415
Pre-tax net operating income	$-60,000	8,721
Securities gains (losses)	$195,000	1,193
Applicable income taxes	$-375,000	9,216
Income before extraordinary items	$510,000	6,352
Extraordinary gains, net	$0	70
Net income	$510,000	6,351
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,379,000	510
Cash dividends	$571,000	3,251
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$315,000	7,143
2001-12-31 (YTD Data)		Rank
Total interest income	$16,859,000	2,035
Total interest expense	$6,994,000	2,295
Net interest income	$9,865,000	1,809
Provision for loan and lease losses	$1,635,000	837
Total noninterest income	$1,709,000	2,282
Gross Fiduciary activities income	$546,000	569
Service charges on deposit accounts	$697,000	2,150
Trading account gains and fees	$0	177
Additional Noninterest Income	$466,000	3,253
Total noninterest expense	$9,303,000	1,571
Salaries and employee benefits	$4,762,000	1,586
Premises and equipment expense	$1,269,000	1,706
Additional noninterest expense	$3,272,000	1,432
Pre-tax net operating income	$636,000	6,042
Securities gains (losses)	$66,000	2,098
Applicable income taxes	$-84,000	9,229
Income before extraordinary items	$786,000	4,917
Extraordinary gains, net	$0	105
Net income	$786,000	4,920
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$798,000	1,102
Cash dividends	$1,551,000	1,613
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$720,000	5,042
2000-12-31 (YTD Data)		Rank
Total interest income	$17,572,000	2,006
Total interest expense	$7,770,000	2,187
Net interest income	$9,802,000	1,791
Provision for loan and lease losses	$2,376,000	543
Total noninterest income	$1,760,000	2,056
Gross Fiduciary activities income	$522,000	588
Service charges on deposit accounts	$774,000	1,795
Trading account gains and fees	$0	180
Additional Noninterest Income	$464,000	3,075
Total noninterest expense	$8,494,000	1,642
Salaries and employee benefits	$4,243,000	1,686
Premises and equipment expense	$1,216,000	1,714
Additional noninterest expense	$3,035,000	1,483
Pre-tax net operating income	$692,000	6,252
Securities gains (losses)	$-40,000	9,095
Applicable income taxes	$-27,000	9,405
Income before extraordinary items	$679,000	5,492
Extraordinary gains, net	$0	38
Net income	$679,000	5,491
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,165,000	457
Cash dividends	$624,000	3,127
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$719,000	5,348
1999-12-31 (YTD Data)		Rank
Total interest income	$16,042,000	2,016
Total interest expense	$6,579,000	2,244
Net interest income	$9,463,000	1,845
Provision for loan and lease losses	$420,000	2,015
Total noninterest income	$1,566,000	2,234
Gross Fiduciary activities income	$429,000	687
Service charges on deposit accounts	$758,000	1,750
Trading account gains and fees	$0	173
Additional Noninterest Income	$379,000	3,547
Total noninterest expense	$7,801,000	1,765
Salaries and employee benefits	$3,929,000	1,760
Premises and equipment expense	$1,094,000	1,867
Additional noninterest expense	$2,778,000	1,602
Pre-tax net operating income	$2,808,000	2,541
Securities gains (losses)	$5,000	2,145
Applicable income taxes	$691,000	2,929
Income before extraordinary items	$2,122,000	2,447
Extraordinary gains, net	$0	35
Net income	$2,122,000	2,447
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$267,000	1,985
Cash dividends	$579,000	3,241
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,118,250	2,414
1998-12-31 (YTD Data)		Rank
Total interest income	$15,147,000	2,154
Total interest expense	$6,217,000	2,429
Net interest income	$8,930,000	1,918
Provision for loan and lease losses	$240,000	3,065
Total noninterest income	$1,454,000	2,320
Gross Fiduciary activities income	$344,000	748
Service charges on deposit accounts	$757,000	1,677
Trading account gains and fees	$0	224
Additional Noninterest Income	$353,000	3,682
Total noninterest expense	$7,376,000	1,769
Salaries and employee benefits	$3,626,000	1,846
Premises and equipment expense	$1,005,000	1,958
Additional noninterest expense	$2,745,000	1,567
Pre-tax net operating income	$2,768,000	2,561
Securities gains (losses)	$-32,000	10,333
Applicable income taxes	$759,000	2,854
Income before extraordinary items	$1,977,000	2,579
Extraordinary gains, net	$0	32
Net income	$1,977,000	2,580
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	4,276
Cash dividends	$473,000	3,661
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$2,000,040	2,475
1997-12-31 (YTD Data)		Rank
Total interest income	$12,320,000	2,655
Total interest expense	$4,896,000	3,041
Net interest income	$7,424,000	2,354
Provision for loan and lease losses	$180,000	3,648
Total noninterest income	$1,227,000	2,582
Gross Fiduciary activities income	$260,000	839
Service charges on deposit accounts	$673,000	1,942
Trading account gains and fees	$0	239
Additional Noninterest Income	$294,000	3,982
Total noninterest expense	$6,330,000	2,043
Salaries and employee benefits	$3,165,000	2,084
Premises and equipment expense	$924,000	2,132
Additional noninterest expense	$2,241,000	1,897
Pre-tax net operating income	$2,141,000	3,322
Securities gains (losses)	$-86,000	10,746
Applicable income taxes	$548,000	3,949
Income before extraordinary items	$1,507,000	3,339
Extraordinary gains, net	$0	44
Net income	$1,507,000	3,339
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	4,510
Cash dividends	$407,000	3,905
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,569,780	3,159
1996-12-31 (YTD Data)		Rank
Total interest income	$10,534,000	3,115
Total interest expense	$3,916,000	3,789
Net interest income	$6,618,000	2,675
Provision for loan and lease losses	$100,000	5,070
Total noninterest income	$1,055,000	2,999
Gross Fiduciary activities income	$200,000	968
Service charges on deposit accounts	$587,000	2,317
Trading account gains and fees	$0	262
Additional Noninterest Income	$268,000	4,349
Total noninterest expense	$5,607,000	2,452
Salaries and employee benefits	$2,816,000	2,358
Premises and equipment expense	$881,000	2,252
Additional noninterest expense	$1,910,000	2,566
Pre-tax net operating income	$1,966,000	3,460
Securities gains (losses)	$-4,000	9,823
Applicable income taxes	$506,000	4,109
Income before extraordinary items	$1,456,000	3,286
Extraordinary gains, net	$0	53
Net income	$1,456,000	3,285
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	4,581
Cash dividends	$364,000	4,104
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,458,960	3,242
1995-12-31 (YTD Data)		Rank
Total interest income	$9,843,000	3,328
Total interest expense	$3,556,000	4,099
Net interest income	$6,287,000	2,840
Provision for loan and lease losses	$144,000	3,734
Total noninterest income	$1,015,000	3,069
Gross Fiduciary activities income	$137,000	1,092
Service charges on deposit accounts	$588,000	2,306
Trading account gains and fees	$0	522
Additional Noninterest Income	$290,000	4,083
Total noninterest expense	$5,132,000	2,644
Salaries and employee benefits	$2,579,000	2,597
Premises and equipment expense	$855,000	2,339
Additional noninterest expense	$1,698,000	2,753
Pre-tax net operating income	$2,026,000	3,454
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$621,000	3,581
Income before extraordinary items	$1,406,000	3,443
Extraordinary gains, net	$0	65
Net income	$1,406,000	3,441
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,236
Cash dividends	$327,000	4,324
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,405,310	3,415
1994-12-31 (YTD Data)		Rank
Total interest income	$9,366,000	3,227
Total interest expense	$2,812,000	4,193
Net interest income	$6,554,000	2,765
Provision for loan and lease losses	$186,000	3,156
Total noninterest income	$640,000	4,424
Gross Fiduciary activities income	$129,000	1,122
Service charges on deposit accounts	$264,000	4,831
Trading account gains and fees	$0	475
Additional Noninterest Income	$247,000	4,636
Total noninterest expense	$4,984,000	2,785
Salaries and employee benefits	$2,492,000	2,673
Premises and equipment expense	$766,000	2,625
Additional noninterest expense	$1,726,000	2,931
Pre-tax net operating income	$2,024,000	3,391
Securities gains (losses)	$0	3,600
Applicable income taxes	$685,000	3,143
Income before extraordinary items	$1,339,000	3,505
Extraordinary gains, net	$0	249
Net income	$1,339,000	3,511
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$232,000	2,255
Cash dividends	$296,000	4,578
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,339,000	3,535
1993-12-31 (YTD Data)		Rank
Total interest income	$9,135,000	3,371
Total interest expense	$3,095,000	4,011
Net interest income	$6,040,000	3,010
Provision for loan and lease losses	$190,000	4,040
Total noninterest income	$431,000	6,171
Gross Fiduciary activities income	$84,000	1,245
Service charges on deposit accounts	$132,000	7,532
Trading account gains and fees	$0	532
Additional Noninterest Income	$215,000	5,444
Total noninterest expense	$4,850,000	2,932
Salaries and employee benefits	$2,484,000	2,662
Premises and equipment expense	$682,000	2,954
Additional noninterest expense	$1,684,000	3,169
Pre-tax net operating income	$1,431,000	4,505
Securities gains (losses)	$2,000	6,773
Applicable income taxes	$402,000	4,986
Income before extraordinary items	$1,031,000	4,581
Extraordinary gains, net	$73,000	1,877
Net income	$1,104,000	4,434
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$324,000	2,340
Cash dividends	$272,000	4,660
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,029,560	4,348
1992-12-31 (YTD Data)		Rank
Total interest income	$9,693,000	3,600
Total interest expense	$3,836,000	4,218
Net interest income	$5,857,000	3,130
Provision for loan and lease losses	$240,000	4,686
Total noninterest income	$467,000	5,917
Gross Fiduciary activities income	$62,000	1,337
Service charges on deposit accounts	$81,000	9,135
Trading account gains and fees	$0	504
Additional Noninterest Income	$324,000	4,222
Total noninterest expense	$4,408,000	3,221
Salaries and employee benefits	$2,365,000	2,742
Premises and equipment expense	$571,000	3,528
Additional noninterest expense	$1,472,000	3,659
Pre-tax net operating income	$1,676,000	3,663
Securities gains (losses)	$8,000	6,653
Applicable income taxes	$397,000	4,820
Income before extraordinary items	$1,287,000	3,570
Extraordinary gains, net	$0	1,422
Net income	$1,287,000	3,613
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,000	5,426
Cash dividends	$240,000	4,583
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,280,920	3,321

* 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.