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Bank of Edmonson County, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$13,079,000	2,479
Total interest expense	$3,928,000	2,297
Net interest income	$9,151,000	2,502
Provision for loan and lease losses	$100,000	2,434
Total noninterest income	$1,091,000	2,640
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$261,000	2,369
Trading account gains and fees	NA	NA
Additional Noninterest Income	$830,000	2,475
Total noninterest expense	$5,846,000	2,818
Salaries and employee benefits	$3,236,000	2,838
Premises and equipment expense	$607,000	2,693
Additional noninterest expense	$830,000	2,475
Pre-tax net operating income	$4,296,000	2,096
Securities gains (losses)	$-394,000	4,132
Applicable income taxes	$165,000	2,544
Income before extraordinary items	$3,737,000	2,067
Extraordinary gains, net	$0	54
Net income	$3,737,000	2,092
Minority interest net income	$0	88
Net income of bank and minority interests.	$3,737,000	2,070
Net charge-offs	$112,000	1,440
Cash dividends	$3,120,000	1,152
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$4,115,240	1,996
2023-09-30 (YTD Data)		Rank
Total interest income	$9,554,000	2,487
Total interest expense	$2,777,000	2,248
Net interest income	$6,777,000	2,536
Provision for loan and lease losses	$70,000	2,326
Total noninterest income	$808,000	2,654
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$198,000	2,364
Trading account gains and fees	NA	NA
Additional Noninterest Income	$610,000	2,475
Total noninterest expense	$4,380,000	2,814
Salaries and employee benefits	$2,433,000	2,823
Premises and equipment expense	$451,000	2,710
Additional noninterest expense	$610,000	2,474
Pre-tax net operating income	$3,135,000	2,176
Securities gains (losses)	$-394,000	4,332
Applicable income taxes	$75,000	2,855
Income before extraordinary items	$2,666,000	2,188
Extraordinary gains, net	$0	52
Net income	$2,666,000	2,209
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,666,000	2,190
Net charge-offs	$113,000	1,132
Cash dividends	$1,920,000	1,200
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$3,048,180	2,060
2023-06-30 (YTD Data)		Rank
Total interest income	$6,123,000	2,507
Total interest expense	$1,687,000	2,206
Net interest income	$4,436,000	2,576
Provision for loan and lease losses	$55,000	2,192
Total noninterest income	$536,000	2,620
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$131,000	2,357
Trading account gains and fees	NA	NA
Additional Noninterest Income	$405,000	2,438
Total noninterest expense	$2,864,000	2,836
Salaries and employee benefits	$1,591,000	2,848
Premises and equipment expense	$302,000	2,706
Additional noninterest expense	$405,000	2,434
Pre-tax net operating income	$2,053,000	2,221
Securities gains (losses)	$-394,000	4,453
Applicable income taxes	$30,000	3,045
Income before extraordinary items	$1,629,000	2,306
Extraordinary gains, net	$0	51
Net income	$1,629,000	2,333
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,629,000	2,306
Net charge-offs	$119,000	860
Cash dividends	$1,200,000	1,249
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,015,120	2,073
2023-03-31 (YTD Data)		Rank
Total interest income	$2,985,000	2,528
Total interest expense	$746,000	2,168
Net interest income	$2,239,000	2,579
Provision for loan and lease losses	$0	2,612
Total noninterest income	$261,000	2,636
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$70,000	2,299
Trading account gains and fees	NA	NA
Additional Noninterest Income	$191,000	2,488
Total noninterest expense	$1,463,000	2,840
Salaries and employee benefits	$843,000	2,801
Premises and equipment expense	$150,000	2,756
Additional noninterest expense	$191,000	2,488
Pre-tax net operating income	$1,037,000	2,254
Securities gains (losses)	$-394,000	4,530
Applicable income taxes	$0	3,388
Income before extraordinary items	$643,000	2,634
Extraordinary gains, net	$0	4
Net income	$643,000	2,635
Minority interest net income	$0	48
Net income of bank and minority interests.	$643,000	2,634
Net charge-offs	$122,000	547
Cash dividends	$600,000	1,112
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,037,000	2,072
2022-12-31 (YTD Data)		Rank
Total interest income	$10,308,000	2,478
Total interest expense	$1,669,000	1,795
Net interest income	$8,639,000	2,563
Provision for loan and lease losses	$185,000	1,843
Total noninterest income	$1,182,000	2,615
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$258,000	2,440
Trading account gains and fees	NA	NA
Additional Noninterest Income	$924,000	2,407
Total noninterest expense	$5,633,000	2,848
Salaries and employee benefits	$3,131,000	2,878
Premises and equipment expense	$634,000	2,637
Additional noninterest expense	$924,000	2,407
Pre-tax net operating income	$4,003,000	2,310
Securities gains (losses)	$0	691
Applicable income taxes	$0	3,596
Income before extraordinary items	$4,003,000	2,105
Extraordinary gains, net	$0	5
Net income	$4,003,000	2,104
Minority interest net income	$0	63
Net income of bank and minority interests.	$4,003,000	2,104
Net charge-offs	$13,000	2,062
Cash dividends	$3,240,000	1,081
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$4,003,000	2,136
2022-09-30 (YTD Data)		Rank
Total interest income	$7,442,000	2,484
Total interest expense	$1,187,000	1,575
Net interest income	$6,255,000	2,591
Provision for loan and lease losses	$130,000	1,734
Total noninterest income	$864,000	2,667
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$191,000	2,470
Trading account gains and fees	NA	NA
Additional Noninterest Income	$673,000	2,473
Total noninterest expense	$4,197,000	2,850
Salaries and employee benefits	$2,322,000	2,878
Premises and equipment expense	$478,000	2,632
Additional noninterest expense	$673,000	2,473
Pre-tax net operating income	$2,792,000	2,373
Securities gains (losses)	$0	740
Applicable income taxes	$0	3,603
Income before extraordinary items	$2,792,000	2,163
Extraordinary gains, net	$0	4
Net income	$2,792,000	2,162
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,792,000	2,162
Net charge-offs	$26,000	1,502
Cash dividends	$2,040,000	1,113
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,792,000	2,197
2022-06-30 (YTD Data)		Rank
Total interest income	$4,823,000	2,492
Total interest expense	$801,000	1,362
Net interest income	$4,022,000	2,616
Provision for loan and lease losses	$110,000	1,482
Total noninterest income	$571,000	2,678
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$121,000	2,532
Trading account gains and fees	NA	NA
Additional Noninterest Income	$450,000	2,498
Total noninterest expense	$2,707,000	2,896
Salaries and employee benefits	$1,498,000	2,936
Premises and equipment expense	$321,000	2,623
Additional noninterest expense	$888,000	2,810
Pre-tax net operating income	$1,776,000	2,354
Securities gains (losses)	$0	687
Applicable income taxes	$0	3,564
Income before extraordinary items	$1,776,000	2,135
Extraordinary gains, net	$0	4
Net income	$1,776,000	2,135
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,776,000	2,135
Net charge-offs	$52,000	944
Cash dividends	$1,320,000	1,146
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,776,000	2,176
2022-03-31 (YTD Data)		Rank
Total interest income	$2,343,000	2,484
Total interest expense	$406,000	1,301
Net interest income	$1,937,000	2,630
Provision for loan and lease losses	$15,000	1,841
Total noninterest income	$274,000	2,697
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$58,000	2,560
Trading account gains and fees	NA	NA
Additional Noninterest Income	$216,000	2,494
Total noninterest expense	$1,287,000	2,972
Salaries and employee benefits	$694,000	3,053
Premises and equipment expense	$144,000	2,808
Additional noninterest expense	$449,000	2,785
Pre-tax net operating income	$909,000	2,228
Securities gains (losses)	$0	623
Applicable income taxes	$0	3,450
Income before extraordinary items	$909,000	2,038
Extraordinary gains, net	$0	4
Net income	$909,000	2,037
Minority interest net income	$0	50
Net income of bank and minority interests.	$909,000	2,038
Net charge-offs	$64,000	605
Cash dividends	$660,000	1,002
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$909,000	2,055
2021-12-31 (YTD Data)		Rank
Total interest income	$9,288,000	2,567
Total interest expense	$1,821,000	1,425
Net interest income	$7,467,000	2,753
Provision for loan and lease losses	$51,000	2,543
Total noninterest income	$1,474,000	2,559
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$224,000	2,537
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,250,000	2,408
Total noninterest expense	$5,395,000	2,895
Salaries and employee benefits	$2,964,000	2,954
Premises and equipment expense	$574,000	2,810
Additional noninterest expense	$1,857,000	2,730
Pre-tax net operating income	$3,495,000	2,501
Securities gains (losses)	$0	2,062
Applicable income taxes	$0	3,710
Income before extraordinary items	$3,495,000	2,354
Extraordinary gains, net	$0	10
Net income	$3,495,000	2,354
Minority interest net income	$0	74
Net income of bank and minority interests.	$3,495,000	2,355
Net charge-offs	$-45,000	4,090
Cash dividends	$3,000,000	1,157
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$3,495,000	2,324
2021-09-30 (YTD Data)		Rank
Total interest income	$6,996,000	2,610
Total interest expense	$1,380,000	1,499
Net interest income	$5,616,000	2,798
Provision for loan and lease losses	$51,000	2,336
Total noninterest income	$1,134,000	2,570
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$168,000	2,535
Trading account gains and fees	NA	NA
Additional Noninterest Income	$966,000	2,427
Total noninterest expense	$4,020,000	2,921
Salaries and employee benefits	$2,133,000	3,024
Premises and equipment expense	$441,000	2,787
Additional noninterest expense	$1,446,000	2,664
Pre-tax net operating income	$2,679,000	2,583
Securities gains (losses)	$0	2,015
Applicable income taxes	$0	3,719
Income before extraordinary items	$2,679,000	2,419
Extraordinary gains, net	$0	8
Net income	$2,679,000	2,419
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,679,000	2,419
Net charge-offs	$-27,000	3,997
Cash dividends	$2,040,000	1,139
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$2,679,000	2,387
2021-06-30 (YTD Data)		Rank
Total interest income	$4,580,000	2,650
Total interest expense	$927,000	1,546
Net interest income	$3,653,000	2,836
Provision for loan and lease losses	$20,000	2,537
Total noninterest income	$852,000	2,409
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$111,000	2,494
Trading account gains and fees	NA	NA
Additional Noninterest Income	$741,000	2,237
Total noninterest expense	$2,698,000	2,905
Salaries and employee benefits	$1,445,000	3,001
Premises and equipment expense	$293,000	2,790
Additional noninterest expense	$960,000	2,659
Pre-tax net operating income	$1,787,000	2,555
Securities gains (losses)	$0	1,818
Applicable income taxes	$0	3,702
Income before extraordinary items	$1,787,000	2,379
Extraordinary gains, net	$0	6
Net income	$1,787,000	2,379
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,787,000	2,379
Net charge-offs	$-26,000	4,150
Cash dividends	$1,200,000	1,224
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,787,000	2,344
2021-03-31 (YTD Data)		Rank
Total interest income	$2,262,000	2,652
Total interest expense	$467,000	1,599
Net interest income	$1,795,000	2,838
Provision for loan and lease losses	$0	2,741
Total noninterest income	$439,000	2,379
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$57,000	2,465
Trading account gains and fees	NA	NA
Additional Noninterest Income	$382,000	2,200
Total noninterest expense	$1,338,000	2,917
Salaries and employee benefits	$697,000	3,044
Premises and equipment expense	$150,000	2,772
Additional noninterest expense	$491,000	2,569
Pre-tax net operating income	$896,000	2,524
Securities gains (losses)	$0	1,392
Applicable income taxes	$0	3,613
Income before extraordinary items	$896,000	2,363
Extraordinary gains, net	$0	3
Net income	$896,000	2,361
Minority interest net income	$0	55
Net income of bank and minority interests.	$896,000	2,363
Net charge-offs	$-20,000	4,337
Cash dividends	$600,000	1,054
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$896,000	2,314
2020-12-31 (YTD Data)		Rank
Total interest income	$9,553,000	2,589
Total interest expense	$2,213,000	1,848
Net interest income	$7,340,000	2,751
Provision for loan and lease losses	$100,000	3,523
Total noninterest income	$1,111,000	2,761
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$248,000	2,473
Trading account gains and fees	NA	NA
Additional Noninterest Income	$863,000	2,617
Total noninterest expense	$5,633,000	2,804
Salaries and employee benefits	$3,044,000	2,921
Premises and equipment expense	$618,000	2,711
Additional noninterest expense	$1,971,000	2,559
Pre-tax net operating income	$2,718,000	2,551
Securities gains (losses)	$0	2,675
Applicable income taxes	$0	3,697
Income before extraordinary items	$2,718,000	2,429
Extraordinary gains, net	$0	4
Net income	$2,718,000	2,429
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,718,000	2,429
Net charge-offs	$126,000	1,846
Cash dividends	$2,400,000	1,331
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$2,718,000	2,377
2020-09-30 (YTD Data)		Rank
Total interest income	$7,121,000	2,619
Total interest expense	$1,697,000	1,901
Net interest income	$5,424,000	2,773
Provision for loan and lease losses	$100,000	3,277
Total noninterest income	$811,000	2,756
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$189,000	2,456
Trading account gains and fees	NA	NA
Additional Noninterest Income	$622,000	2,621
Total noninterest expense	$4,148,000	2,813
Salaries and employee benefits	$2,164,000	2,984
Premises and equipment expense	$459,000	2,729
Additional noninterest expense	$1,525,000	2,476
Pre-tax net operating income	$1,987,000	2,592
Securities gains (losses)	$0	2,494
Applicable income taxes	$0	3,696
Income before extraordinary items	$1,987,000	2,466
Extraordinary gains, net	$0	4
Net income	$1,987,000	2,466
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,987,000	2,466
Net charge-offs	$122,000	1,541
Cash dividends	$1,680,000	1,253
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,987,000	2,412
2020-06-30 (YTD Data)		Rank
Total interest income	$4,813,000	2,620
Total interest expense	$1,157,000	1,968
Net interest income	$3,656,000	2,780
Provision for loan and lease losses	$0	4,134
Total noninterest income	$508,000	2,785
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$129,000	2,470
Trading account gains and fees	NA	NA
Additional Noninterest Income	$379,000	2,663
Total noninterest expense	$2,779,000	2,815
Salaries and employee benefits	$1,476,000	2,963
Premises and equipment expense	$317,000	2,669
Additional noninterest expense	$986,000	2,535
Pre-tax net operating income	$1,385,000	2,509
Securities gains (losses)	$0	2,249
Applicable income taxes	$0	3,655
Income before extraordinary items	$1,385,000	2,343
Extraordinary gains, net	$0	4
Net income	$1,385,000	2,343
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,385,000	2,343
Net charge-offs	$-28,000	4,609
Cash dividends	$1,170,000	1,180
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,385,000	2,309
2020-03-31 (YTD Data)		Rank
Total interest income	$2,482,000	2,563
Total interest expense	$591,000	2,073
Net interest income	$1,891,000	2,696
Provision for loan and lease losses	$0	3,711
Total noninterest income	$219,000	2,914
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$75,000	2,515
Trading account gains and fees	NA	NA
Additional Noninterest Income	$144,000	2,808
Total noninterest expense	$1,367,000	2,863
Salaries and employee benefits	$690,000	3,088
Premises and equipment expense	$158,000	2,692
Additional noninterest expense	$519,000	2,483
Pre-tax net operating income	$743,000	2,258
Securities gains (losses)	$0	1,705
Applicable income taxes	$0	3,513
Income before extraordinary items	$743,000	2,085
Extraordinary gains, net	$0	4
Net income	$743,000	2,084
Minority interest net income	$0	56
Net income of bank and minority interests.	$743,000	2,085
Net charge-offs	$0	2,581
Cash dividends	$660,000	1,071
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$743,000	2,047
2019-12-31 (YTD Data)		Rank
Total interest income	$10,370,000	2,537
Total interest expense	$2,252,000	2,179
Net interest income	$8,118,000	2,601
Provision for loan and lease losses	$475,000	1,537
Total noninterest income	$1,080,000	2,715
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$332,000	2,450
Trading account gains and fees	NA	NA
Additional Noninterest Income	$748,000	2,572
Total noninterest expense	$5,581,000	2,817
Salaries and employee benefits	$2,940,000	2,975
Premises and equipment expense	$669,000	2,613
Additional noninterest expense	$1,972,000	2,582
Pre-tax net operating income	$3,142,000	2,387
Securities gains (losses)	$0	2,379
Applicable income taxes	$0	3,859
Income before extraordinary items	$3,142,000	2,226
Extraordinary gains, net	$0	11
Net income	$3,142,000	2,228
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,142,000	2,228
Net charge-offs	$518,000	1,009
Cash dividends	$2,760,000	1,261
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,142,000	2,191
2019-09-30 (YTD Data)		Rank
Total interest income	$7,582,000	2,608
Total interest expense	$1,651,000	2,217
Net interest income	$5,931,000	2,677
Provision for loan and lease losses	$200,000	1,960
Total noninterest income	$818,000	2,714
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$249,000	2,480
Trading account gains and fees	NA	NA
Additional Noninterest Income	$569,000	2,576
Total noninterest expense	$4,124,000	2,849
Salaries and employee benefits	$2,118,000	3,058
Premises and equipment expense	$497,000	2,659
Additional noninterest expense	$1,509,000	2,558
Pre-tax net operating income	$2,425,000	2,415
Securities gains (losses)	$0	2,167
Applicable income taxes	$0	3,902
Income before extraordinary items	$2,425,000	2,248
Extraordinary gains, net	$0	11
Net income	$2,425,000	2,248
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,425,000	2,249
Net charge-offs	$-19,000	4,594
Cash dividends	$1,980,000	1,219
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,425,000	2,208
2019-06-30 (YTD Data)		Rank
Total interest income	$5,064,000	2,601
Total interest expense	$1,065,000	2,250
Net interest income	$3,999,000	2,661
Provision for loan and lease losses	$50,000	2,768
Total noninterest income	$556,000	2,666
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$163,000	2,484
Trading account gains and fees	NA	NA
Additional Noninterest Income	$393,000	2,503
Total noninterest expense	$2,778,000	2,850
Salaries and employee benefits	$1,443,000	3,036
Premises and equipment expense	$317,000	2,734
Additional noninterest expense	$1,018,000	2,546
Pre-tax net operating income	$1,727,000	2,290
Securities gains (losses)	$0	1,702
Applicable income taxes	$0	3,901
Income before extraordinary items	$1,727,000	2,134
Extraordinary gains, net	$0	11
Net income	$1,727,000	2,132
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,727,000	2,134
Net charge-offs	$-19,000	4,657
Cash dividends	$1,320,000	1,196
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,727,000	2,108
2019-03-31 (YTD Data)		Rank
Total interest income	$2,512,000	2,618
Total interest expense	$511,000	2,269
Net interest income	$2,001,000	2,677
Provision for loan and lease losses	$0	3,406
Total noninterest income	$246,000	2,776
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$80,000	2,519
Trading account gains and fees	NA	NA
Additional Noninterest Income	$166,000	2,640
Total noninterest expense	$1,344,000	2,920
Salaries and employee benefits	$676,000	3,173
Premises and equipment expense	$163,000	2,704
Additional noninterest expense	$505,000	2,563
Pre-tax net operating income	$903,000	2,188
Securities gains (losses)	$0	1,087
Applicable income taxes	$0	3,800
Income before extraordinary items	$903,000	2,016
Extraordinary gains, net	$0	5
Net income	$903,000	2,014
Minority interest net income	$0	52
Net income of bank and minority interests.	$903,000	2,015
Net charge-offs	$-1,000	3,818
Cash dividends	$660,000	1,110
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$903,000	1,999
2018-12-31 (YTD Data)		Rank
Total interest income	$9,708,000	2,577
Total interest expense	$1,598,000	2,250
Net interest income	$8,110,000	2,634
Provision for loan and lease losses	$113,000	2,971
Total noninterest income	$984,000	2,878
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$344,000	2,519
Trading account gains and fees	NA	NA
Additional Noninterest Income	$640,000	2,765
Total noninterest expense	$5,658,000	2,819
Salaries and employee benefits	$2,822,000	3,066
Premises and equipment expense	$673,000	2,641
Additional noninterest expense	$2,163,000	2,465
Pre-tax net operating income	$3,323,000	2,358
Securities gains (losses)	$-2,000	4,086
Applicable income taxes	$0	3,978
Income before extraordinary items	$3,321,000	2,172
Extraordinary gains, net	$0	6
Net income	$3,321,000	2,170
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,321,000	2,171
Net charge-offs	$109,000	2,087
Cash dividends	$3,000,000	1,074
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,323,000	2,165
2018-09-30 (YTD Data)		Rank
Total interest income	$7,194,000	2,595
Total interest expense	$1,142,000	2,244
Net interest income	$6,052,000	2,643
Provision for loan and lease losses	$0	3,948
Total noninterest income	$755,000	2,877
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$261,000	2,513
Trading account gains and fees	NA	NA
Additional Noninterest Income	$494,000	2,770
Total noninterest expense	$4,148,000	2,872
Salaries and employee benefits	$2,038,000	3,130
Premises and equipment expense	$510,000	2,644
Additional noninterest expense	$1,600,000	2,490
Pre-tax net operating income	$2,659,000	2,293
Securities gains (losses)	$-2,000	4,476
Applicable income taxes	$0	4,032
Income before extraordinary items	$2,657,000	2,079
Extraordinary gains, net	$0	5
Net income	$2,657,000	2,077
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,657,000	2,078
Net charge-offs	$20,000	2,705
Cash dividends	$2,040,000	1,055
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,659,000	2,081
2018-06-30 (YTD Data)		Rank
Total interest income	$4,710,000	2,618
Total interest expense	$730,000	2,216
Net interest income	$3,980,000	2,663
Provision for loan and lease losses	$0	3,782
Total noninterest income	$502,000	2,886
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$172,000	2,526
Trading account gains and fees	NA	NA
Additional Noninterest Income	$330,000	2,778
Total noninterest expense	$2,702,000	2,941
Salaries and employee benefits	$1,379,000	3,117
Premises and equipment expense	$330,000	2,706
Additional noninterest expense	$993,000	2,632
Pre-tax net operating income	$1,780,000	2,262
Securities gains (losses)	$-2,000	4,720
Applicable income taxes	$0	4,018
Income before extraordinary items	$1,778,000	2,056
Extraordinary gains, net	$0	6
Net income	$1,778,000	2,054
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,778,000	2,055
Net charge-offs	$-8,000	4,455
Cash dividends	$1,200,000	1,153
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,780,000	2,044
2018-03-31 (YTD Data)		Rank
Total interest income	$2,335,000	2,625
Total interest expense	$314,000	2,388
Net interest income	$2,021,000	2,639
Provision for loan and lease losses	$0	3,508
Total noninterest income	$240,000	2,919
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$82,000	2,626
Trading account gains and fees	NA	NA
Additional Noninterest Income	$158,000	2,776
Total noninterest expense	$1,312,000	3,019
Salaries and employee benefits	$641,000	3,286
Premises and equipment expense	$173,000	2,678
Additional noninterest expense	$498,000	2,631
Pre-tax net operating income	$949,000	2,115
Securities gains (losses)	$-2,000	5,038
Applicable income taxes	$0	3,948
Income before extraordinary items	$947,000	1,912
Extraordinary gains, net	$0	7
Net income	$947,000	1,910
Minority interest net income	$0	52
Net income of bank and minority interests.	$947,000	1,912
Net charge-offs	$-2,000	4,048
Cash dividends	$600,000	1,040
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$949,000	1,899
2017-12-31 (YTD Data)		Rank
Total interest income	$9,488,000	2,553
Total interest expense	$1,300,000	2,137
Net interest income	$8,188,000	2,591
Provision for loan and lease losses	$80,000	3,246
Total noninterest income	$960,000	3,011
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$357,000	2,552
Trading account gains and fees	NA	NA
Additional Noninterest Income	$603,000	2,925
Total noninterest expense	$5,547,000	2,919
Salaries and employee benefits	$2,769,000	3,139
Premises and equipment expense	$692,000	2,680
Additional noninterest expense	$2,086,000	2,577
Pre-tax net operating income	$3,521,000	2,232
Securities gains (losses)	$-1,000	4,786
Applicable income taxes	$0	4,135
Income before extraordinary items	$3,520,000	1,798
Extraordinary gains, net	$0	9
Net income	$3,520,000	1,798
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,520,000	1,799
Net charge-offs	$50,000	2,967
Cash dividends	$2,880,000	1,065
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,521,000	1,778
2017-09-30 (YTD Data)		Rank
Total interest income	$7,098,000	2,568
Total interest expense	$976,000	2,118
Net interest income	$6,122,000	2,616
Provision for loan and lease losses	$80,000	2,896
Total noninterest income	$704,000	3,059
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$269,000	2,568
Trading account gains and fees	NA	NA
Additional Noninterest Income	$435,000	2,992
Total noninterest expense	$4,142,000	2,952
Salaries and employee benefits	$1,958,000	3,262
Premises and equipment expense	$527,000	2,669
Additional noninterest expense	$1,657,000	2,487
Pre-tax net operating income	$2,604,000	2,299
Securities gains (losses)	$0	2,274
Applicable income taxes	$0	4,172
Income before extraordinary items	$2,604,000	1,963
Extraordinary gains, net	$0	9
Net income	$2,604,000	1,963
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,604,000	1,963
Net charge-offs	$54,000	2,411
Cash dividends	$1,860,000	1,127
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,604,000	1,939
2017-06-30 (YTD Data)		Rank
Total interest income	$4,490,000	2,653
Total interest expense	$645,000	2,093
Net interest income	$3,845,000	2,724
Provision for loan and lease losses	$80,000	2,426
Total noninterest income	$480,000	3,026
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$175,000	2,609
Trading account gains and fees	NA	NA
Additional Noninterest Income	$305,000	2,916
Total noninterest expense	$2,707,000	2,999
Salaries and employee benefits	$1,327,000	3,245
Premises and equipment expense	$336,000	2,762
Additional noninterest expense	$1,044,000	2,588
Pre-tax net operating income	$1,538,000	2,454
Securities gains (losses)	$0	1,906
Applicable income taxes	$0	4,189
Income before extraordinary items	$1,538,000	2,113
Extraordinary gains, net	$0	11
Net income	$1,538,000	2,114
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,538,000	2,114
Net charge-offs	$156,000	1,214
Cash dividends	$1,140,000	1,193
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,538,000	2,085
2017-03-31 (YTD Data)		Rank
Total interest income	$2,225,000	2,656
Total interest expense	$321,000	2,065
Net interest income	$1,904,000	2,738
Provision for loan and lease losses	$0	3,537
Total noninterest income	$238,000	3,046
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$88,000	2,602
Trading account gains and fees	NA	NA
Additional Noninterest Income	$150,000	2,938
Total noninterest expense	$1,321,000	3,068
Salaries and employee benefits	$615,000	3,440
Premises and equipment expense	$181,000	2,671
Additional noninterest expense	$525,000	2,578
Pre-tax net operating income	$821,000	2,244
Securities gains (losses)	$0	1,153
Applicable income taxes	$0	4,086
Income before extraordinary items	$821,000	1,941
Extraordinary gains, net	$0	8
Net income	$821,000	1,941
Minority interest net income	$0	55
Net income of bank and minority interests.	$821,000	1,941
Net charge-offs	$101,000	922
Cash dividends	$570,000	1,101
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$821,000	1,915
2016-12-31 (YTD Data)		Rank
Total interest income	$9,032,000	2,620
Total interest expense	$1,339,000	1,960
Net interest income	$7,693,000	2,701
Provision for loan and lease losses	$0	4,332
Total noninterest income	$1,092,000	2,899
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$377,000	2,560
Trading account gains and fees	$0	170
Additional Noninterest Income	$715,000	2,804
Total noninterest expense	$5,527,000	2,992
Salaries and employee benefits	$2,691,000	3,260
Premises and equipment expense	$749,000	2,605
Additional noninterest expense	$2,087,000	2,674
Pre-tax net operating income	$3,258,000	2,258
Securities gains (losses)	$0	3,212
Applicable income taxes	$0	4,278
Income before extraordinary items	$3,258,000	1,954
Extraordinary gains, net	$0	5
Net income	$3,258,000	1,953
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,258,000	1,953
Net charge-offs	$100,000	2,604
Cash dividends	$2,640,000	1,129
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,258,000	1,910
2016-09-30 (YTD Data)		Rank
Total interest income	$6,745,000	2,634
Total interest expense	$1,004,000	1,964
Net interest income	$5,741,000	2,715
Provision for loan and lease losses	$0	4,186
Total noninterest income	$723,000	3,102
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$283,000	2,566
Trading account gains and fees	$0	169
Additional Noninterest Income	$440,000	3,049
Total noninterest expense	$4,044,000	3,038
Salaries and employee benefits	$1,908,000	3,370
Premises and equipment expense	$498,000	2,846
Additional noninterest expense	$1,638,000	2,598
Pre-tax net operating income	$2,420,000	2,303
Securities gains (losses)	$0	3,160
Applicable income taxes	$0	4,325
Income before extraordinary items	$2,420,000	1,993
Extraordinary gains, net	$0	5
Net income	$2,420,000	1,993
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,420,000	1,993
Net charge-offs	$53,000	2,550
Cash dividends	$1,800,000	1,127
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,420,000	1,940
2016-06-30 (YTD Data)		Rank
Total interest income	$4,513,000	2,630
Total interest expense	$663,000	1,987
Net interest income	$3,850,000	2,708
Provision for loan and lease losses	$0	4,017
Total noninterest income	$472,000	3,132
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$181,000	2,608
Trading account gains and fees	$0	157
Additional Noninterest Income	$291,000	3,069
Total noninterest expense	$2,650,000	3,089
Salaries and employee benefits	$1,218,000	3,474
Premises and equipment expense	$343,000	2,796
Additional noninterest expense	$1,089,000	2,611
Pre-tax net operating income	$1,672,000	2,219
Securities gains (losses)	$0	2,835
Applicable income taxes	$0	4,338
Income before extraordinary items	$1,672,000	1,924
Extraordinary gains, net	$0	16
Net income	$1,672,000	1,923
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,672,000	1,923
Net charge-offs	$38,000	2,355
Cash dividends	$1,080,000	1,242
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,672,000	1,875
2016-03-31 (YTD Data)		Rank
Total interest income	$2,247,000	2,642
Total interest expense	$339,000	1,954
Net interest income	$1,908,000	2,719
Provision for loan and lease losses	$0	3,656
Total noninterest income	$224,000	3,185
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$86,000	2,674
Trading account gains and fees	$0	142
Additional Noninterest Income	$138,000	3,085
Total noninterest expense	$1,309,000	3,134
Salaries and employee benefits	$600,000	3,524
Premises and equipment expense	$163,000	2,912
Additional noninterest expense	$546,000	2,588
Pre-tax net operating income	$823,000	2,221
Securities gains (losses)	$0	2,077
Applicable income taxes	$0	4,259
Income before extraordinary items	$823,000	1,944
Extraordinary gains, net	$0	12
Net income	$823,000	1,944
Minority interest net income	$0	62
Net income of bank and minority interests.	$823,000	1,944
Net charge-offs	$40,000	1,582
Cash dividends	$540,000	1,142
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$823,000	1,891
2015-12-31 (YTD Data)		Rank
Total interest income	$8,896,000	2,624
Total interest expense	$1,241,000	2,060
Net interest income	$7,655,000	2,688
Provision for loan and lease losses	$90,000	3,155
Total noninterest income	$917,000	3,227
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$370,000	2,667
Trading account gains and fees	$0	159
Additional Noninterest Income	$547,000	3,166
Total noninterest expense	$5,254,000	3,111
Salaries and employee benefits	$2,562,000	3,357
Premises and equipment expense	$612,000	3,062
Additional noninterest expense	$2,080,000	2,726
Pre-tax net operating income	$3,228,000	2,204
Securities gains (losses)	$16,000	2,359
Applicable income taxes	$0	4,402
Income before extraordinary items	$3,244,000	1,920
Extraordinary gains, net	$0	23
Net income	$3,244,000	1,921
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,244,000	1,922
Net charge-offs	$19,000	3,792
Cash dividends	$2,640,000	1,093
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,228,000	1,894
2015-09-30 (YTD Data)		Rank
Total interest income	$6,638,000	2,648
Total interest expense	$926,000	2,096
Net interest income	$5,712,000	2,718
Provision for loan and lease losses	$90,000	2,744
Total noninterest income	$668,000	3,286
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$277,000	2,692
Trading account gains and fees	$0	153
Additional Noninterest Income	$391,000	3,254
Total noninterest expense	$3,891,000	3,159
Salaries and employee benefits	$1,929,000	3,353
Premises and equipment expense	$426,000	3,261
Additional noninterest expense	$1,536,000	2,742
Pre-tax net operating income	$2,399,000	2,255
Securities gains (losses)	$16,000	2,128
Applicable income taxes	$0	4,489
Income before extraordinary items	$2,415,000	1,943
Extraordinary gains, net	$0	21
Net income	$2,415,000	1,945
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,415,000	1,945
Net charge-offs	$-29,000	5,446
Cash dividends	$1,680,000	1,128
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,399,000	1,921
2015-06-30 (YTD Data)		Rank
Total interest income	$4,406,000	2,660
Total interest expense	$621,000	2,095
Net interest income	$3,785,000	2,729
Provision for loan and lease losses	$90,000	2,323
Total noninterest income	$437,000	3,317
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$184,000	2,659
Trading account gains and fees	$0	157
Additional Noninterest Income	$253,000	3,290
Total noninterest expense	$2,569,000	3,207
Salaries and employee benefits	$1,279,000	3,397
Premises and equipment expense	$288,000	3,255
Additional noninterest expense	$1,002,000	2,803
Pre-tax net operating income	$1,563,000	2,272
Securities gains (losses)	$16,000	1,815
Applicable income taxes	$0	4,497
Income before extraordinary items	$1,579,000	1,956
Extraordinary gains, net	$0	22
Net income	$1,579,000	1,958
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,579,000	1,958
Net charge-offs	$-15,000	5,380
Cash dividends	$960,000	1,284
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,563,000	1,927
2015-03-31 (YTD Data)		Rank
Total interest income	$2,205,000	2,664
Total interest expense	$316,000	2,074
Net interest income	$1,889,000	2,727
Provision for loan and lease losses	$45,000	2,176
Total noninterest income	$216,000	3,307
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$90,000	2,678
Trading account gains and fees	$0	152
Additional Noninterest Income	$126,000	3,271
Total noninterest expense	$1,357,000	3,112
Salaries and employee benefits	$690,000	3,266
Premises and equipment expense	$158,000	3,085
Additional noninterest expense	$509,000	2,750
Pre-tax net operating income	$703,000	2,411
Securities gains (losses)	$5,000	1,653
Applicable income taxes	$0	4,400
Income before extraordinary items	$708,000	2,119
Extraordinary gains, net	$0	13
Net income	$708,000	2,120
Minority interest net income	$0	64
Net income of bank and minority interests.	$708,000	2,120
Net charge-offs	$-3,000	4,874
Cash dividends	$480,000	1,162
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$703,000	2,063
2014-12-31 (YTD Data)		Rank
Total interest income	$8,876,000	2,674
Total interest expense	$1,449,000	1,949
Net interest income	$7,427,000	2,777
Provision for loan and lease losses	$220,000	2,372
Total noninterest income	$788,000	3,508
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$395,000	2,712
Trading account gains and fees	$0	180
Additional Noninterest Income	$393,000	3,630
Total noninterest expense	$5,002,000	3,308
Salaries and employee benefits	$2,342,000	3,647
Premises and equipment expense	$573,000	3,331
Additional noninterest expense	$2,087,000	2,789
Pre-tax net operating income	$2,993,000	2,279
Securities gains (losses)	$15,000	2,467
Applicable income taxes	$0	4,531
Income before extraordinary items	$3,008,000	2,015
Extraordinary gains, net	$0	17
Net income	$3,008,000	2,014
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,008,000	2,014
Net charge-offs	$36,000	3,998
Cash dividends	$2,400,000	1,111
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,993,000	1,981
2014-09-30 (YTD Data)		Rank
Total interest income	$6,648,000	2,697
Total interest expense	$1,111,000	1,936
Net interest income	$5,537,000	2,813
Provision for loan and lease losses	$180,000	2,177
Total noninterest income	$644,000	3,408
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$297,000	2,734
Trading account gains and fees	$0	174
Additional Noninterest Income	$347,000	3,410
Total noninterest expense	$3,733,000	3,341
Salaries and employee benefits	$1,749,000	3,661
Premises and equipment expense	$428,000	3,386
Additional noninterest expense	$1,556,000	2,803
Pre-tax net operating income	$2,268,000	2,302
Securities gains (losses)	$0	2,980
Applicable income taxes	$0	4,583
Income before extraordinary items	$2,268,000	2,009
Extraordinary gains, net	$0	15
Net income	$2,268,000	2,009
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,268,000	2,008
Net charge-offs	$32,000	3,574
Cash dividends	$1,440,000	1,193
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,268,000	1,960
2014-06-30 (YTD Data)		Rank
Total interest income	$4,384,000	2,719
Total interest expense	$754,000	1,930
Net interest income	$3,630,000	2,844
Provision for loan and lease losses	$120,000	2,134
Total noninterest income	$420,000	3,419
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$195,000	2,748
Trading account gains and fees	$0	172
Additional Noninterest Income	$225,000	3,452
Total noninterest expense	$2,466,000	3,383
Salaries and employee benefits	$1,136,000	3,750
Premises and equipment expense	$288,000	3,381
Additional noninterest expense	$1,042,000	2,790
Pre-tax net operating income	$1,464,000	2,316
Securities gains (losses)	$0	2,580
Applicable income taxes	$0	4,568
Income before extraordinary items	$1,464,000	2,028
Extraordinary gains, net	$0	20
Net income	$1,464,000	2,031
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,464,000	2,030
Net charge-offs	$47,000	2,837
Cash dividends	$840,000	1,328
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,464,000	1,973
2014-03-31 (YTD Data)		Rank
Total interest income	$2,159,000	2,750
Total interest expense	$385,000	1,930
Net interest income	$1,774,000	2,896
Provision for loan and lease losses	$60,000	2,013
Total noninterest income	$203,000	3,443
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$96,000	2,751
Trading account gains and fees	$0	147
Additional Noninterest Income	$107,000	3,470
Total noninterest expense	$1,262,000	3,349
Salaries and employee benefits	$594,000	3,669
Premises and equipment expense	$155,000	3,267
Additional noninterest expense	$513,000	2,827
Pre-tax net operating income	$655,000	2,429
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$655,000	2,116
Extraordinary gains, net	$0	16
Net income	$655,000	2,118
Minority interest net income	$0	66
Net income of bank and minority interests.	$655,000	2,118
Net charge-offs	$26,000	2,321
Cash dividends	$420,000	1,174
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$655,000	2,073
2013-12-31 (YTD Data)		Rank
Total interest income	$9,056,000	2,657
Total interest expense	$1,763,000	1,911
Net interest income	$7,293,000	2,821
Provision for loan and lease losses	$140,000	3,337
Total noninterest income	$861,000	3,488
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$440,000	2,626
Trading account gains and fees	$0	184
Additional Noninterest Income	$421,000	3,586
Total noninterest expense	$5,028,000	3,389
Salaries and employee benefits	$2,365,000	3,673
Premises and equipment expense	$588,000	3,363
Additional noninterest expense	$2,075,000	2,886
Pre-tax net operating income	$2,986,000	2,170
Securities gains (losses)	$21,000	2,321
Applicable income taxes	$0	4,631
Income before extraordinary items	$3,007,000	1,896
Extraordinary gains, net	$0	29
Net income	$3,007,000	1,899
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,007,000	1,898
Net charge-offs	$111,000	3,639
Cash dividends	$1,920,000	1,251
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,986,000	1,877
2013-09-30 (YTD Data)		Rank
Total interest income	$6,804,000	2,670
Total interest expense	$1,354,000	1,934
Net interest income	$5,450,000	2,841
Provision for loan and lease losses	$90,000	3,447
Total noninterest income	$650,000	3,537
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$328,000	2,658
Trading account gains and fees	$0	180
Additional Noninterest Income	$322,000	3,634
Total noninterest expense	$3,791,000	3,388
Salaries and employee benefits	$1,791,000	3,675
Premises and equipment expense	$441,000	3,390
Additional noninterest expense	$1,559,000	2,888
Pre-tax net operating income	$2,219,000	2,249
Securities gains (losses)	$21,000	2,191
Applicable income taxes	$0	4,713
Income before extraordinary items	$2,240,000	1,939
Extraordinary gains, net	$0	25
Net income	$2,240,000	1,946
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,240,000	1,945
Net charge-offs	$28,000	4,232
Cash dividends	$1,080,000	1,363
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,219,000	1,900
2013-06-30 (YTD Data)		Rank
Total interest income	$4,488,000	2,693
Total interest expense	$922,000	1,917
Net interest income	$3,566,000	2,875
Provision for loan and lease losses	$60,000	3,384
Total noninterest income	$435,000	3,556
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$215,000	2,656
Trading account gains and fees	$0	157
Additional Noninterest Income	$220,000	3,646
Total noninterest expense	$2,493,000	3,427
Salaries and employee benefits	$1,171,000	3,731
Premises and equipment expense	$291,000	3,437
Additional noninterest expense	$1,031,000	2,899
Pre-tax net operating income	$1,448,000	2,260
Securities gains (losses)	$1,000	2,688
Applicable income taxes	$0	4,679
Income before extraordinary items	$1,449,000	1,982
Extraordinary gains, net	$0	22
Net income	$1,449,000	1,988
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,449,000	1,988
Net charge-offs	$3,000	4,643
Cash dividends	$720,000	1,391
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,448,000	1,903
2013-03-31 (YTD Data)		Rank
Total interest income	$2,236,000	2,722
Total interest expense	$471,000	1,930
Net interest income	$1,765,000	2,900
Provision for loan and lease losses	$30,000	3,174
Total noninterest income	$207,000	3,598
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$103,000	2,736
Trading account gains and fees	$0	148
Additional Noninterest Income	$104,000	3,700
Total noninterest expense	$1,291,000	3,366
Salaries and employee benefits	$625,000	3,616
Premises and equipment expense	$157,000	3,279
Additional noninterest expense	$509,000	2,945
Pre-tax net operating income	$651,000	2,403
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$651,000	2,114
Extraordinary gains, net	$0	10
Net income	$651,000	2,117
Minority interest net income	$0	76
Net income of bank and minority interests.	$651,000	2,116
Net charge-offs	$5,000	3,681
Cash dividends	$360,000	1,189
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$651,000	2,032
2012-12-31 (YTD Data)		Rank
Total interest income	$9,222,000	2,767
Total interest expense	$2,246,000	1,943
Net interest income	$6,976,000	2,986
Provision for loan and lease losses	$446,000	2,877
Total noninterest income	$525,000	4,416
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$473,000	2,603
Trading account gains and fees	$0	166
Additional Noninterest Income	$52,000	5,836
Total noninterest expense	$5,015,000	3,456
Salaries and employee benefits	$2,335,000	3,733
Premises and equipment expense	$591,000	3,423
Additional noninterest expense	$2,089,000	2,999
Pre-tax net operating income	$2,040,000	2,776
Securities gains (losses)	$0	3,810
Applicable income taxes	$0	4,751
Income before extraordinary items	$2,040,000	2,551
Extraordinary gains, net	$0	29
Net income	$2,040,000	2,553
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,040,000	2,552
Net charge-offs	$480,000	2,713
Cash dividends	$1,320,000	1,624
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,040,000	2,427
2012-09-30 (YTD Data)		Rank
Total interest income	$6,868,000	2,849
Total interest expense	$1,732,000	1,974
Net interest income	$5,136,000	3,083
Provision for loan and lease losses	$416,000	2,532
Total noninterest income	$438,000	4,261
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$352,000	2,638
Trading account gains and fees	$0	157
Additional Noninterest Income	$86,000	5,284
Total noninterest expense	$3,873,000	3,410
Salaries and employee benefits	$1,787,000	3,698
Premises and equipment expense	$454,000	3,409
Additional noninterest expense	$1,632,000	2,897
Pre-tax net operating income	$1,285,000	3,168
Securities gains (losses)	$0	3,575
Applicable income taxes	$0	4,802
Income before extraordinary items	$1,285,000	2,933
Extraordinary gains, net	$0	20
Net income	$1,285,000	2,933
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,285,000	2,932
Net charge-offs	$437,000	2,354
Cash dividends	$900,000	1,426
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,285,000	2,789
2012-06-30 (YTD Data)		Rank
Total interest income	$4,576,000	2,868
Total interest expense	$1,190,000	1,984
Net interest income	$3,386,000	3,126
Provision for loan and lease losses	$318,000	2,332
Total noninterest income	$392,000	3,691
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$232,000	2,652
Trading account gains and fees	$0	153
Additional Noninterest Income	$160,000	3,973
Total noninterest expense	$2,510,000	3,489
Salaries and employee benefits	$1,168,000	3,768
Premises and equipment expense	$297,000	3,458
Additional noninterest expense	$1,045,000	3,008
Pre-tax net operating income	$950,000	2,953
Securities gains (losses)	$0	3,178
Applicable income taxes	$0	4,770
Income before extraordinary items	$950,000	2,701
Extraordinary gains, net	$0	19
Net income	$950,000	2,701
Minority interest net income	$0	84
Net income of bank and minority interests.	$950,000	2,701
Net charge-offs	$320,000	2,245
Cash dividends	$600,000	1,414
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$950,000	2,576
2012-03-31 (YTD Data)		Rank
Total interest income	$2,271,000	2,923
Total interest expense	$621,000	1,977
Net interest income	$1,650,000	3,201
Provision for loan and lease losses	$58,000	3,579
Total noninterest income	$216,000	3,503
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$111,000	2,704
Trading account gains and fees	$0	148
Additional Noninterest Income	$105,000	3,629
Total noninterest expense	$1,330,000	3,377
Salaries and employee benefits	$619,000	3,651
Premises and equipment expense	$142,000	3,600
Additional noninterest expense	$569,000	2,778
Pre-tax net operating income	$478,000	2,961
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$478,000	2,699
Extraordinary gains, net	$0	19
Net income	$478,000	2,701
Minority interest net income	$0	78
Net income of bank and minority interests.	$478,000	2,702
Net charge-offs	$72,000	2,737
Cash dividends	$300,000	1,259
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$478,000	2,569
2011-12-31 (YTD Data)		Rank
Total interest income	$9,606,000	2,854
Total interest expense	$2,821,000	2,067
Net interest income	$6,785,000	3,155
Provision for loan and lease losses	$376,000	3,826
Total noninterest income	$781,000	3,570
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$499,000	2,573
Trading account gains and fees	$0	146
Additional Noninterest Income	$282,000	3,965
Total noninterest expense	$5,176,000	3,441
Salaries and employee benefits	$2,282,000	3,814
Premises and equipment expense	$626,000	3,472
Additional noninterest expense	$2,268,000	2,795
Pre-tax net operating income	$2,014,000	2,498
Securities gains (losses)	$1,000	3,733
Applicable income taxes	$0	4,719
Income before extraordinary items	$2,015,000	2,253
Extraordinary gains, net	$0	29
Net income	$2,015,000	2,254
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,015,000	2,254
Net charge-offs	$478,000	3,232
Cash dividends	$1,260,000	1,384
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,014,000	2,180
2011-09-30 (YTD Data)		Rank
Total interest income	$7,233,000	2,880
Total interest expense	$2,144,000	2,119
Net interest income	$5,089,000	3,170
Provision for loan and lease losses	$321,000	3,514
Total noninterest income	$554,000	3,699
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$371,000	2,606
Trading account gains and fees	$0	145
Additional Noninterest Income	$183,000	4,227
Total noninterest expense	$3,975,000	3,387
Salaries and employee benefits	$1,730,000	3,791
Premises and equipment expense	$467,000	3,518
Additional noninterest expense	$1,778,000	2,699
Pre-tax net operating income	$1,347,000	2,780
Securities gains (losses)	$0	3,555
Applicable income taxes	$0	4,740
Income before extraordinary items	$1,347,000	2,516
Extraordinary gains, net	$0	21
Net income	$1,347,000	2,518
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,347,000	2,518
Net charge-offs	$504,000	2,655
Cash dividends	$720,000	1,456
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,347,000	2,419
2011-06-30 (YTD Data)		Rank
Total interest income	$4,843,000	2,886
Total interest expense	$1,449,000	2,168
Net interest income	$3,394,000	3,180
Provision for loan and lease losses	$200,000	3,519
Total noninterest income	$377,000	3,679
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$241,000	2,647
Trading account gains and fees	$0	153
Additional Noninterest Income	$136,000	4,116
Total noninterest expense	$2,638,000	3,448
Salaries and employee benefits	$1,109,000	3,934
Premises and equipment expense	$315,000	3,528
Additional noninterest expense	$1,214,000	2,723
Pre-tax net operating income	$933,000	2,662
Securities gains (losses)	$0	2,914
Applicable income taxes	$0	4,697
Income before extraordinary items	$933,000	2,400
Extraordinary gains, net	$0	15
Net income	$933,000	2,400
Minority interest net income	$0	89
Net income of bank and minority interests.	$933,000	2,400
Net charge-offs	$282,000	2,757
Cash dividends	$480,000	1,457
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$933,000	2,315
2011-03-31 (YTD Data)		Rank
Total interest income	$2,414,000	2,911
Total interest expense	$734,000	2,216
Net interest income	$1,680,000	3,193
Provision for loan and lease losses	$105,000	3,279
Total noninterest income	$168,000	3,935
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$124,000	2,555
Trading account gains and fees	$0	158
Additional Noninterest Income	$44,000	4,863
Total noninterest expense	$1,303,000	3,465
Salaries and employee benefits	$520,000	4,121
Premises and equipment expense	$154,000	3,623
Additional noninterest expense	$629,000	2,626
Pre-tax net operating income	$440,000	2,788
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$440,000	2,480
Extraordinary gains, net	$0	9
Net income	$440,000	2,479
Minority interest net income	$0	86
Net income of bank and minority interests.	$440,000	2,480
Net charge-offs	$124,000	2,534
Cash dividends	$240,000	1,292
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$440,000	2,430
2010-12-31 (YTD Data)		Rank
Total interest income	$10,324,000	2,881
Total interest expense	$3,824,000	2,078
Net interest income	$6,500,000	3,264
Provision for loan and lease losses	$725,000	3,544
Total noninterest income	$896,000	3,423
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$589,000	2,319
Trading account gains and fees	$0	175
Additional Noninterest Income	$307,000	3,919
Total noninterest expense	$5,201,000	3,498
Salaries and employee benefits	$2,239,000	3,910
Premises and equipment expense	$618,000	3,641
Additional noninterest expense	$2,344,000	2,819
Pre-tax net operating income	$1,470,000	2,755
Securities gains (losses)	$0	3,793
Applicable income taxes	$0	4,655
Income before extraordinary items	$1,470,000	2,547
Extraordinary gains, net	$0	29
Net income	$1,470,000	2,544
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,470,000	2,549
Net charge-offs	$618,000	3,357
Cash dividends	$840,000	1,697
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,470,000	2,449
2010-09-30 (YTD Data)		Rank
Total interest income	$7,853,000	2,890
Total interest expense	$3,003,000	2,072
Net interest income	$4,850,000	3,327
Provision for loan and lease losses	$565,000	3,336
Total noninterest income	$659,000	3,513
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$456,000	2,327
Trading account gains and fees	$0	165
Additional Noninterest Income	$203,000	4,158
Total noninterest expense	$3,952,000	3,456
Salaries and employee benefits	$1,669,000	3,961
Premises and equipment expense	$489,000	3,543
Additional noninterest expense	$1,794,000	2,734
Pre-tax net operating income	$992,000	3,108
Securities gains (losses)	$0	3,651
Applicable income taxes	$0	4,726
Income before extraordinary items	$992,000	2,897
Extraordinary gains, net	$0	23
Net income	$992,000	2,892
Minority interest net income	$0	110
Net income of bank and minority interests.	$992,000	2,896
Net charge-offs	$417,000	3,308
Cash dividends	$240,000	2,554
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$992,000	2,760
2010-06-30 (YTD Data)		Rank
Total interest income	$5,318,000	2,881
Total interest expense	$2,099,000	2,060
Net interest income	$3,219,000	3,340
Provision for loan and lease losses	$320,000	3,503
Total noninterest income	$419,000	3,547
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$306,000	2,322
Trading account gains and fees	$0	152
Additional Noninterest Income	$113,000	4,429
Total noninterest expense	$2,739,000	3,349
Salaries and employee benefits	$1,165,000	3,848
Premises and equipment expense	$351,000	3,368
Additional noninterest expense	$1,223,000	2,673
Pre-tax net operating income	$579,000	3,363
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$579,000	3,133
Extraordinary gains, net	$0	19
Net income	$579,000	3,128
Minority interest net income	$0	105
Net income of bank and minority interests.	$579,000	3,131
Net charge-offs	$138,000	3,915
Cash dividends	$120,000	2,699
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$579,000	3,029
2010-03-31 (YTD Data)		Rank
Total interest income	$2,653,000	2,941
Total interest expense	$1,076,000	2,114
Net interest income	$1,577,000	3,420
Provision for loan and lease losses	$290,000	2,508
Total noninterest income	$227,000	3,396
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$149,000	2,354
Trading account gains and fees	$0	175
Additional Noninterest Income	$78,000	3,960
Total noninterest expense	$1,370,000	3,392
Salaries and employee benefits	$539,000	4,130
Premises and equipment expense	$214,000	2,965
Additional noninterest expense	$617,000	2,643
Pre-tax net operating income	$144,000	4,610
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$144,000	4,446
Extraordinary gains, net	$0	16
Net income	$144,000	4,447
Minority interest net income	$0	91
Net income of bank and minority interests.	$144,000	4,445
Net charge-offs	$100,000	3,104
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$144,000	4,332
2009-12-31 (YTD Data)		Rank
Total interest income	$11,349,000	2,894
Total interest expense	$5,093,000	2,217
Net interest income	$6,256,000	3,348
Provision for loan and lease losses	$1,196,000	3,221
Total noninterest income	$978,000	3,382
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$673,000	2,322
Trading account gains and fees	$0	211
Additional Noninterest Income	$305,000	3,954
Total noninterest expense	$5,078,000	3,642
Salaries and employee benefits	$2,145,000	4,141
Premises and equipment expense	$602,000	3,862
Additional noninterest expense	$2,331,000	2,917
Pre-tax net operating income	$960,000	3,054
Securities gains (losses)	$0	3,754
Applicable income taxes	$-6,000	6,210
Income before extraordinary items	$966,000	2,831
Extraordinary gains, net	$0	34
Net income	$966,000	2,830
Minority interest net income	$0	115
Net income of bank and minority interests.	$966,000	2,831
Net charge-offs	$1,274,000	2,567
Cash dividends	$960,000	1,699
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$966,000	2,771
2009-09-30 (YTD Data)		Rank
Total interest income	$8,574,000	2,918
Total interest expense	$3,907,000	2,260
Net interest income	$4,667,000	3,358
Provision for loan and lease losses	$958,000	2,848
Total noninterest income	$722,000	3,472
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$504,000	2,339
Trading account gains and fees	$0	212
Additional Noninterest Income	$218,000	4,145
Total noninterest expense	$3,790,000	3,653
Salaries and employee benefits	$1,595,000	4,199
Premises and equipment expense	$424,000	4,092
Additional noninterest expense	$1,771,000	2,844
Pre-tax net operating income	$641,000	3,477
Securities gains (losses)	$0	3,497
Applicable income taxes	$-6,000	6,629
Income before extraordinary items	$647,000	3,258
Extraordinary gains, net	$0	27
Net income	$647,000	3,256
Minority interest net income	$0	118
Net income of bank and minority interests.	$647,000	3,258
Net charge-offs	$667,000	2,685
Cash dividends	$720,000	1,609
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$647,000	3,171
2009-06-30 (YTD Data)		Rank
Total interest income	$5,771,000	2,929
Total interest expense	$2,656,000	2,311
Net interest income	$3,115,000	3,344
Provision for loan and lease losses	$958,000	2,121
Total noninterest income	$463,000	3,572
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$321,000	2,403
Trading account gains and fees	$0	193
Additional Noninterest Income	$142,000	4,222
Total noninterest expense	$2,504,000	3,716
Salaries and employee benefits	$1,084,000	4,182
Premises and equipment expense	$261,000	4,340
Additional noninterest expense	$1,159,000	2,917
Pre-tax net operating income	$116,000	5,117
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$116,000	5,083
Extraordinary gains, net	$0	21
Net income	$116,000	5,081
Minority interest net income	$0	112
Net income of bank and minority interests.	$116,000	5,082
Net charge-offs	$489,000	2,377
Cash dividends	$480,000	1,677
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$116,000	4,993
2009-03-31 (YTD Data)		Rank
Total interest income	$2,887,000	2,955
Total interest expense	$1,352,000	2,356
Net interest income	$1,535,000	3,386
Provision for loan and lease losses	$958,000	1,226
Total noninterest income	$212,000	3,693
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$152,000	2,437
Trading account gains and fees	$0	171
Additional Noninterest Income	$60,000	4,510
Total noninterest expense	$1,169,000	3,848
Salaries and employee benefits	$506,000	4,427
Premises and equipment expense	$140,000	4,182
Additional noninterest expense	$523,000	2,887
Pre-tax net operating income	$-380,000	7,174
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$-380,000	7,308
Extraordinary gains, net	$0	15
Net income	$-380,000	7,309
Minority interest net income	$0	102
Net income of bank and minority interests.	$-380,000	7,309
Net charge-offs	$425,000	1,484
Cash dividends	$240,000	1,568
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-380,000	7,271
2008-12-31 (YTD Data)		Rank
Total interest income	$12,688,000	2,880
Total interest expense	$6,478,000	2,350
Net interest income	$6,210,000	3,380
Provision for loan and lease losses	$250,000	4,899
Total noninterest income	$928,000	3,575
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$784,000	2,163
Trading account gains and fees	$0	154
Additional Noninterest Income	$144,000	5,385
Total noninterest expense	$4,761,000	3,711
Salaries and employee benefits	$2,173,000	4,185
Premises and equipment expense	$575,000	4,069
Additional noninterest expense	$2,013,000	2,857
Pre-tax net operating income	$2,127,000	2,333
Securities gains (losses)	$11,000	2,474
Applicable income taxes	$48,000	3,874
Income before extraordinary items	$2,090,000	1,908
Extraordinary gains, net	$0	39
Net income	$2,090,000	1,910
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$338,000	3,361
Cash dividends	$1,680,000	1,571
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,079,220	2,038
2008-09-30 (YTD Data)		Rank
Total interest income	$9,642,000	2,909
Total interest expense	$4,987,000	2,382
Net interest income	$4,655,000	3,400
Provision for loan and lease losses	$225,000	4,003
Total noninterest income	$781,000	3,395
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$592,000	2,174
Trading account gains and fees	$0	148
Additional Noninterest Income	$189,000	4,529
Total noninterest expense	$3,513,000	3,743
Salaries and employee benefits	$1,591,000	4,281
Premises and equipment expense	$410,000	4,238
Additional noninterest expense	$1,512,000	2,758
Pre-tax net operating income	$1,698,000	2,586
Securities gains (losses)	$0	3,106
Applicable income taxes	$48,000	4,123
Income before extraordinary items	$1,650,000	2,136
Extraordinary gains, net	$0	31
Net income	$1,650,000	2,134
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$211,000	2,991
Cash dividends	$1,260,000	1,534
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,650,000	2,239
2008-06-30 (YTD Data)		Rank
Total interest income	$6,555,000	2,899
Total interest expense	$3,445,000	2,405
Net interest income	$3,110,000	3,395
Provision for loan and lease losses	$150,000	3,592
Total noninterest income	$510,000	3,455
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$386,000	2,198
Trading account gains and fees	$0	149
Additional Noninterest Income	$124,000	4,654
Total noninterest expense	$2,335,000	3,775
Salaries and employee benefits	$1,077,000	4,273
Premises and equipment expense	$273,000	4,266
Additional noninterest expense	$985,000	2,787
Pre-tax net operating income	$1,135,000	2,698
Securities gains (losses)	$0	3,233
Applicable income taxes	$48,000	4,100
Income before extraordinary items	$1,087,000	2,404
Extraordinary gains, net	$0	21
Net income	$1,087,000	2,404
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	3,637
Cash dividends	$840,000	1,632
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,087,000	2,354
2008-03-31 (YTD Data)		Rank
Total interest income	$3,371,000	2,898
Total interest expense	$1,776,000	2,471
Net interest income	$1,595,000	3,335
Provision for loan and lease losses	$75,000	3,123
Total noninterest income	$278,000	3,286
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$179,000	2,275
Trading account gains and fees	$0	158
Additional Noninterest Income	$99,000	3,788
Total noninterest expense	$1,128,000	3,887
Salaries and employee benefits	$502,000	4,540
Premises and equipment expense	$132,000	4,369
Additional noninterest expense	$494,000	2,753
Pre-tax net operating income	$670,000	2,503
Securities gains (losses)	$0	2,688
Applicable income taxes	$58,000	3,403
Income before extraordinary items	$612,000	2,276
Extraordinary gains, net	$0	15
Net income	$612,000	2,279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	3,665
Cash dividends	$420,000	1,534
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$612,000	2,202
2007-12-31 (YTD Data)		Rank
Total interest income	$13,109,000	3,048
Total interest expense	$6,939,000	2,654
Net interest income	$6,170,000	3,437
Provision for loan and lease losses	$300,000	3,174
Total noninterest income	$1,154,000	3,212
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$770,000	2,208
Trading account gains and fees	$0	178
Additional Noninterest Income	$384,000	3,807
Total noninterest expense	$4,584,000	3,705
Salaries and employee benefits	$2,115,000	4,202
Premises and equipment expense	$547,000	4,102
Additional noninterest expense	$1,922,000	2,760
Pre-tax net operating income	$2,440,000	2,881
Securities gains (losses)	$0	2,146
Applicable income taxes	$120,000	4,330
Income before extraordinary items	$2,320,000	2,525
Extraordinary gains, net	$0	39
Net income	$2,320,000	2,524
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	3,798
Cash dividends	$1,680,000	1,847
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,320,000	2,516
2007-09-30 (YTD Data)		Rank
Total interest income	$9,795,000	3,037
Total interest expense	$5,110,000	2,699
Net interest income	$4,685,000	3,404
Provision for loan and lease losses	$225,000	2,782
Total noninterest income	$868,000	3,213
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$568,000	2,212
Trading account gains and fees	$0	184
Additional Noninterest Income	$300,000	3,738
Total noninterest expense	$3,375,000	3,737
Salaries and employee benefits	$1,571,000	4,228
Premises and equipment expense	$397,000	4,184
Additional noninterest expense	$1,407,000	2,763
Pre-tax net operating income	$1,953,000	2,894
Securities gains (losses)	$0	1,655
Applicable income taxes	$118,000	4,282
Income before extraordinary items	$1,835,000	2,556
Extraordinary gains, net	$0	33
Net income	$1,835,000	2,554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	3,253
Cash dividends	$1,260,000	1,719
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,835,000	2,529
2007-06-30 (YTD Data)		Rank
Total interest income	$6,454,000	3,078
Total interest expense	$3,308,000	2,752
Net interest income	$3,146,000	3,416
Provision for loan and lease losses	$150,000	2,579
Total noninterest income	$581,000	3,224
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$371,000	2,249
Trading account gains and fees	$0	168
Additional Noninterest Income	$210,000	3,688
Total noninterest expense	$2,347,000	3,634
Salaries and employee benefits	$1,111,000	4,074
Premises and equipment expense	$269,000	4,161
Additional noninterest expense	$967,000	2,703
Pre-tax net operating income	$1,230,000	3,065
Securities gains (losses)	$0	1,444
Applicable income taxes	$100,000	4,128
Income before extraordinary items	$1,130,000	2,775
Extraordinary gains, net	$0	29
Net income	$1,130,000	2,774
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	2,895
Cash dividends	$840,000	1,761
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,130,000	2,757
2007-03-31 (YTD Data)		Rank
Total interest income	$3,171,000	3,120
Total interest expense	$1,625,000	2,779
Net interest income	$1,546,000	3,460
Provision for loan and lease losses	$75,000	2,404
Total noninterest income	$263,000	3,402
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$174,000	2,309
Trading account gains and fees	$0	195
Additional Noninterest Income	$89,000	3,989
Total noninterest expense	$1,075,000	3,913
Salaries and employee benefits	$489,000	4,510
Premises and equipment expense	$124,000	4,417
Additional noninterest expense	$462,000	2,782
Pre-tax net operating income	$659,000	2,927
Securities gains (losses)	$0	1,187
Applicable income taxes	$100,000	3,266
Income before extraordinary items	$559,000	2,787
Extraordinary gains, net	$0	22
Net income	$559,000	2,788
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	3,041
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$559,000	2,777
2006-12-31 (YTD Data)		Rank
Total interest income	$11,900,000	3,118
Total interest expense	$5,747,000	2,685
Net interest income	$6,153,000	3,459
Provision for loan and lease losses	$325,000	2,629
Total noninterest income	$990,000	3,571
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$679,000	2,441
Trading account gains and fees	$0	130
Additional Noninterest Income	$311,000	4,233
Total noninterest expense	$4,208,000	3,837
Salaries and employee benefits	$1,961,000	4,341
Premises and equipment expense	$505,000	4,236
Additional noninterest expense	$1,742,000	2,903
Pre-tax net operating income	$2,610,000	3,032
Securities gains (losses)	$0	1,687
Applicable income taxes	$577,000	2,940
Income before extraordinary items	$2,033,000	3,062
Extraordinary gains, net	$0	51
Net income	$2,033,000	3,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$173,000	2,391
Cash dividends	$1,080,000	2,439
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,033,000	3,055
2006-09-30 (YTD Data)		Rank
Total interest income	$8,754,000	3,140
Total interest expense	$4,168,000	2,681
Net interest income	$4,586,000	3,492
Provision for loan and lease losses	$250,000	2,440
Total noninterest income	$739,000	3,590
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$510,000	2,437
Trading account gains and fees	$0	126
Additional Noninterest Income	$229,000	4,254
Total noninterest expense	$3,092,000	3,892
Salaries and employee benefits	$1,418,000	4,433
Premises and equipment expense	$379,000	4,237
Additional noninterest expense	$1,295,000	2,914
Pre-tax net operating income	$1,983,000	3,129
Securities gains (losses)	$0	1,388
Applicable income taxes	$431,000	3,068
Income before extraordinary items	$1,552,000	3,133
Extraordinary gains, net	$0	45
Net income	$1,552,000	3,134
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$150,000	1,826
Cash dividends	$480,000	3,003
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,552,000	3,121
2006-06-30 (YTD Data)		Rank
Total interest income	$5,673,000	3,181
Total interest expense	$2,678,000	2,665
Net interest income	$2,995,000	3,551
Provision for loan and lease losses	$175,000	2,349
Total noninterest income	$455,000	3,741
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$325,000	2,501
Trading account gains and fees	$0	126
Additional Noninterest Income	$130,000	4,581
Total noninterest expense	$2,100,000	3,852
Salaries and employee benefits	$960,000	4,391
Premises and equipment expense	$265,000	4,128
Additional noninterest expense	$875,000	2,895
Pre-tax net operating income	$1,175,000	3,406
Securities gains (losses)	$0	1,185
Applicable income taxes	$260,000	3,238
Income before extraordinary items	$915,000	3,414
Extraordinary gains, net	$0	39
Net income	$915,000	3,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$115,000	1,577
Cash dividends	$480,000	2,456
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$915,000	3,404
2006-03-31 (YTD Data)		Rank
Total interest income	$2,822,000	3,138
Total interest expense	$1,286,000	2,658
Net interest income	$1,536,000	3,479
Provision for loan and lease losses	$125,000	1,687
Total noninterest income	$198,000	4,012
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$149,000	2,615
Trading account gains and fees	$0	115
Additional Noninterest Income	$49,000	5,161
Total noninterest expense	$992,000	4,038
Salaries and employee benefits	$452,000	4,621
Premises and equipment expense	$137,000	4,043
Additional noninterest expense	$403,000	3,092
Pre-tax net operating income	$617,000	3,243
Securities gains (losses)	$0	955
Applicable income taxes	$137,000	3,170
Income before extraordinary items	$480,000	3,274
Extraordinary gains, net	$0	21
Net income	$480,000	3,273
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	1,771
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$480,000	3,248
2005-12-31 (YTD Data)		Rank
Total interest income	$9,995,000	3,156
Total interest expense	$4,502,000	2,410
Net interest income	$5,493,000	3,687
Provision for loan and lease losses	$260,000	3,084
Total noninterest income	$956,000	3,672
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$694,000	2,366
Trading account gains and fees	$0	138
Additional Noninterest Income	$262,000	4,628
Total noninterest expense	$3,925,000	3,917
Salaries and employee benefits	$1,822,000	4,436
Premises and equipment expense	$444,000	4,542
Additional noninterest expense	$1,659,000	2,986
Pre-tax net operating income	$2,264,000	3,395
Securities gains (losses)	$0	2,296
Applicable income taxes	$379,000	3,786
Income before extraordinary items	$1,885,000	3,237
Extraordinary gains, net	$0	46
Net income	$1,885,000	3,239
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$311,000	1,679
Cash dividends	$960,000	2,551
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,885,000	3,210
2005-09-30 (YTD Data)		Rank
Total interest income	$7,331,000	3,160
Total interest expense	$3,278,000	2,379
Net interest income	$4,053,000	3,725
Provision for loan and lease losses	$180,000	3,127
Total noninterest income	$716,000	3,684
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$527,000	2,335
Trading account gains and fees	$0	126
Additional Noninterest Income	$189,000	4,726
Total noninterest expense	$2,917,000	3,914
Salaries and employee benefits	$1,336,000	4,479
Premises and equipment expense	$324,000	4,593
Additional noninterest expense	$1,257,000	2,925
Pre-tax net operating income	$1,672,000	3,482
Securities gains (losses)	$0	2,317
Applicable income taxes	$278,000	3,923
Income before extraordinary items	$1,394,000	3,318
Extraordinary gains, net	$0	35
Net income	$1,394,000	3,320
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$148,000	2,033
Cash dividends	$420,000	3,074
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,394,000	3,278
2005-06-30 (YTD Data)		Rank
Total interest income	$4,750,000	3,173
Total interest expense	$2,111,000	2,320
Net interest income	$2,639,000	3,760
Provision for loan and lease losses	$120,000	3,004
Total noninterest income	$474,000	3,654
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$349,000	2,315
Trading account gains and fees	$0	116
Additional Noninterest Income	$125,000	4,710
Total noninterest expense	$1,938,000	3,905
Salaries and employee benefits	$860,000	4,570
Premises and equipment expense	$213,000	4,605
Additional noninterest expense	$865,000	2,815
Pre-tax net operating income	$1,055,000	3,577
Securities gains (losses)	$0	2,146
Applicable income taxes	$187,000	3,899
Income before extraordinary items	$868,000	3,437
Extraordinary gains, net	$0	30
Net income	$868,000	3,439
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$113,000	1,769
Cash dividends	$420,000	2,456
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$868,000	3,392
2005-03-31 (YTD Data)		Rank
Total interest income	$2,323,000	3,197
Total interest expense	$1,026,000	2,287
Net interest income	$1,297,000	3,805
Provision for loan and lease losses	$60,000	2,830
Total noninterest income	$212,000	3,830
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$161,000	2,413
Trading account gains and fees	$0	115
Additional Noninterest Income	$51,000	5,145
Total noninterest expense	$1,005,000	3,834
Salaries and employee benefits	$436,000	4,540
Premises and equipment expense	$111,000	4,520
Additional noninterest expense	$458,000	2,643
Pre-tax net operating income	$444,000	4,003
Securities gains (losses)	$0	1,685
Applicable income taxes	$90,000	3,936
Income before extraordinary items	$354,000	3,931
Extraordinary gains, net	$0	24
Net income	$354,000	3,933
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	1,841
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$354,000	3,884
2004-12-31 (YTD Data)		Rank
Total interest income	$9,209,000	3,046
Total interest expense	$3,949,000	2,062
Net interest income	$5,260,000	3,662
Provision for loan and lease losses	$240,000	3,319
Total noninterest income	$843,000	3,922
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$681,000	2,435
Trading account gains and fees	$0	138
Additional Noninterest Income	$162,000	5,528
Total noninterest expense	$3,564,000	4,115
Salaries and employee benefits	$1,640,000	4,653
Premises and equipment expense	$405,000	4,717
Additional noninterest expense	$1,519,000	3,097
Pre-tax net operating income	$2,299,000	3,202
Securities gains (losses)	$0	3,819
Applicable income taxes	$502,000	3,346
Income before extraordinary items	$1,797,000	3,194
Extraordinary gains, net	$0	34
Net income	$1,797,000	3,192
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	3,878
Cash dividends	$1,560,000	1,672
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,797,000	3,131
2004-09-30 (YTD Data)		Rank
Total interest income	$6,897,000	3,015
Total interest expense	$2,939,000	2,033
Net interest income	$3,958,000	3,626
Provision for loan and lease losses	$180,000	3,152
Total noninterest income	$600,000	4,087
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$495,000	2,521
Trading account gains and fees	$0	134
Additional Noninterest Income	$105,000	5,832
Total noninterest expense	$2,453,000	4,365
Salaries and employee benefits	$1,116,000	4,930
Premises and equipment expense	$238,000	5,500
Additional noninterest expense	$1,099,000	3,158
Pre-tax net operating income	$1,925,000	2,981
Securities gains (losses)	$0	3,710
Applicable income taxes	$420,000	3,219
Income before extraordinary items	$1,505,000	2,948
Extraordinary gains, net	$0	26
Net income	$1,505,000	2,949
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	3,382
Cash dividends	$360,000	3,173
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,505,000	2,867
2004-06-30 (YTD Data)		Rank
Total interest income	$4,626,000	2,990
Total interest expense	$1,958,000	2,015
Net interest income	$2,668,000	3,586
Provision for loan and lease losses	$120,000	3,090
Total noninterest income	$452,000	3,799
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$333,000	2,497
Trading account gains and fees	$0	130
Additional Noninterest Income	$119,000	4,804
Total noninterest expense	$1,651,000	4,353
Salaries and employee benefits	$756,000	4,898
Premises and equipment expense	$154,000	5,586
Additional noninterest expense	$741,000	3,153
Pre-tax net operating income	$1,349,000	2,815
Securities gains (losses)	$0	3,413
Applicable income taxes	$282,000	3,185
Income before extraordinary items	$1,067,000	2,782
Extraordinary gains, net	$0	21
Net income	$1,067,000	2,783
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	4,214
Cash dividends	$360,000	2,613
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,067,000	2,706
2004-03-31 (YTD Data)		Rank
Total interest income	$2,342,000	2,973
Total interest expense	$982,000	2,020
Net interest income	$1,360,000	3,525
Provision for loan and lease losses	$60,000	2,918
Total noninterest income	$214,000	3,898
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$157,000	2,581
Trading account gains and fees	$0	121
Additional Noninterest Income	$57,000	4,851
Total noninterest expense	$842,000	4,326
Salaries and employee benefits	$367,000	5,017
Premises and equipment expense	$71,000	5,842
Additional noninterest expense	$404,000	2,883
Pre-tax net operating income	$672,000	2,790
Securities gains (losses)	$0	2,934
Applicable income taxes	$138,000	3,239
Income before extraordinary items	$534,000	2,781
Extraordinary gains, net	$0	16
Net income	$534,000	2,781
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,873
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$534,000	2,685
2003-12-31 (YTD Data)		Rank
Total interest income	$9,455,000	2,983
Total interest expense	$4,208,000	2,115
Net interest income	$5,247,000	3,562
Provision for loan and lease losses	$300,000	3,140
Total noninterest income	$846,000	4,097
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$641,000	2,553
Trading account gains and fees	$0	160
Additional Noninterest Income	$205,000	5,229
Total noninterest expense	$3,250,000	4,365
Salaries and employee benefits	$1,465,000	4,922
Premises and equipment expense	$280,000	5,874
Additional noninterest expense	$1,505,000	3,072
Pre-tax net operating income	$2,543,000	2,839
Securities gains (losses)	$0	4,500
Applicable income taxes	$519,000	3,308
Income before extraordinary items	$2,024,000	2,841
Extraordinary gains, net	$0	54
Net income	$2,024,000	2,842
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$128,000	3,638
Cash dividends	$720,000	2,899
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,024,000	2,714
2003-09-30 (YTD Data)		Rank
Total interest income	$7,150,000	3,007
Total interest expense	$3,209,000	2,164
Net interest income	$3,941,000	3,568
Provision for loan and lease losses	$225,000	3,052
Total noninterest income	$650,000	4,091
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$485,000	2,543
Trading account gains and fees	$0	153
Additional Noninterest Income	$165,000	5,155
Total noninterest expense	$2,372,000	4,438
Salaries and employee benefits	$1,089,000	4,946
Premises and equipment expense	$204,000	5,957
Additional noninterest expense	$1,079,000	3,182
Pre-tax net operating income	$1,994,000	2,862
Securities gains (losses)	$0	4,204
Applicable income taxes	$466,000	3,151
Income before extraordinary items	$1,528,000	2,925
Extraordinary gains, net	$0	40
Net income	$1,528,000	2,925
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$110,000	3,091
Cash dividends	$360,000	3,194
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,528,000	2,778
2003-06-30 (YTD Data)		Rank
Total interest income	$4,819,000	2,995
Total interest expense	$2,186,000	2,186
Net interest income	$2,633,000	3,555
Provision for loan and lease losses	$150,000	3,000
Total noninterest income	$438,000	4,042
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$323,000	2,506
Trading account gains and fees	$0	150
Additional Noninterest Income	$115,000	5,080
Total noninterest expense	$1,597,000	4,392
Salaries and employee benefits	$730,000	4,927
Premises and equipment expense	$136,000	5,946
Additional noninterest expense	$731,000	3,113
Pre-tax net operating income	$1,324,000	2,865
Securities gains (losses)	$0	3,782
Applicable income taxes	$250,000	3,552
Income before extraordinary items	$1,074,000	2,828
Extraordinary gains, net	$0	30
Net income	$1,074,000	2,827
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	3,031
Cash dividends	$360,000	2,611
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,074,000	2,659
2003-03-31 (YTD Data)		Rank
Total interest income	$2,393,000	3,023
Total interest expense	$1,110,000	2,197
Net interest income	$1,283,000	3,623
Provision for loan and lease losses	$75,000	2,805
Total noninterest income	$197,000	4,200
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$152,000	2,558
Trading account gains and fees	$0	134
Additional Noninterest Income	$45,000	5,466
Total noninterest expense	$808,000	4,341
Salaries and employee benefits	$357,000	5,005
Premises and equipment expense	$69,000	5,897
Additional noninterest expense	$382,000	2,971
Pre-tax net operating income	$597,000	3,092
Securities gains (losses)	$0	2,891
Applicable income taxes	$113,000	3,736
Income before extraordinary items	$484,000	3,024
Extraordinary gains, net	$0	21
Net income	$484,000	3,022
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	2,229
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$484,000	2,879
2002-12-31 (YTD Data)		Rank
Total interest income	$10,063,000	3,007
Total interest expense	$5,068,000	2,213
Net interest income	$4,995,000	3,677
Provision for loan and lease losses	$375,000	2,962
Total noninterest income	$832,000	3,891
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$664,000	2,346
Trading account gains and fees	$0	153
Additional Noninterest Income	$168,000	5,360
Total noninterest expense	$3,099,000	4,352
Salaries and employee benefits	$1,413,000	4,906
Premises and equipment expense	$299,000	5,596
Additional noninterest expense	$1,387,000	3,165
Pre-tax net operating income	$2,353,000	3,023
Securities gains (losses)	$0	4,537
Applicable income taxes	$517,000	3,381
Income before extraordinary items	$1,836,000	2,979
Extraordinary gains, net	$0	70
Net income	$1,836,000	2,978
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$203,000	2,992
Cash dividends	$660,000	2,984
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,836,000	2,895
2001-12-31 (YTD Data)		Rank
Total interest income	$10,787,000	3,108
Total interest expense	$6,258,000	2,557
Net interest income	$4,529,000	3,740
Provision for loan and lease losses	$300,000	3,194
Total noninterest income	$769,000	3,959
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$559,000	2,592
Trading account gains and fees	$0	177
Additional Noninterest Income	$210,000	4,823
Total noninterest expense	$2,910,000	4,433
Salaries and employee benefits	$1,276,000	5,097
Premises and equipment expense	$222,000	6,469
Additional noninterest expense	$1,412,000	3,033
Pre-tax net operating income	$2,088,000	3,079
Securities gains (losses)	$0	4,612
Applicable income taxes	$420,000	3,637
Income before extraordinary items	$1,668,000	2,975
Extraordinary gains, net	$0	105
Net income	$1,668,000	2,978
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$244,000	2,537
Cash dividends	$540,000	3,334
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,668,000	2,876
2000-12-31 (YTD Data)		Rank
Total interest income	$9,974,000	3,400
Total interest expense	$5,709,000	2,914
Net interest income	$4,265,000	3,963
Provision for loan and lease losses	$120,000	4,828
Total noninterest income	$727,000	3,895
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$513,000	2,639
Trading account gains and fees	$0	180
Additional Noninterest Income	$214,000	4,646
Total noninterest expense	$2,676,000	4,620
Salaries and employee benefits	$1,213,000	5,181
Premises and equipment expense	$188,000	6,945
Additional noninterest expense	$1,275,000	3,232
Pre-tax net operating income	$2,196,000	3,087
Securities gains (losses)	$1,000	1,732
Applicable income taxes	$450,000	3,734
Income before extraordinary items	$1,747,000	2,864
Extraordinary gains, net	$0	38
Net income	$1,747,000	2,863
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$249,000	2,055
Cash dividends	$510,000	3,496
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,746,200	2,862
1999-12-31 (YTD Data)		Rank
Total interest income	$9,360,000	3,419
Total interest expense	$5,280,000	2,769
Net interest income	$4,080,000	4,111
Provision for loan and lease losses	$120,000	4,720
Total noninterest income	$716,000	3,931
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$500,000	2,634
Trading account gains and fees	$0	173
Additional Noninterest Income	$216,000	4,765
Total noninterest expense	$2,524,000	4,848
Salaries and employee benefits	$1,169,000	5,261
Premises and equipment expense	$175,000	7,220
Additional noninterest expense	$1,180,000	3,484
Pre-tax net operating income	$2,152,000	3,151
Securities gains (losses)	$7,000	1,949
Applicable income taxes	$459,000	3,807
Income before extraordinary items	$1,700,000	2,935
Extraordinary gains, net	$0	35
Net income	$1,700,000	2,936
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$114,000	3,343
Cash dividends	$480,000	3,607
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,694,470	2,915
1998-12-31 (YTD Data)		Rank
Total interest income	$8,738,000	3,630
Total interest expense	$5,030,000	2,987
Net interest income	$3,708,000	4,382
Provision for loan and lease losses	$525,000	1,654
Total noninterest income	$654,000	4,150
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$441,000	2,874
Trading account gains and fees	NA	NA
Additional Noninterest Income	$213,000	4,806
Total noninterest expense	$2,180,000	5,260
Salaries and employee benefits	$1,026,000	5,681
Premises and equipment expense	$178,000	7,088
Additional noninterest expense	$976,000	4,035
Pre-tax net operating income	$1,657,000	3,883
Securities gains (losses)	$13,000	2,771
Applicable income taxes	$142,000	6,951
Income before extraordinary items	$1,528,000	3,207
Extraordinary gains, net	$0	32
Net income	$1,528,000	3,208
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$280,000	1,958
Cash dividends	$480,000	3,628
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,516,170	3,138
1997-12-31 (YTD Data)		Rank
Total interest income	$7,996,000	3,970
Total interest expense	$4,540,000	3,270
Net interest income	$3,456,000	4,780
Provision for loan and lease losses	$175,000	3,795
Total noninterest income	$622,000	4,307
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$433,000	3,010
Trading account gains and fees	NA	NA
Additional Noninterest Income	$189,000	5,092
Total noninterest expense	$2,093,000	5,475
Salaries and employee benefits	$944,000	6,088
Premises and equipment expense	$233,000	6,305
Additional noninterest expense	$916,000	4,241
Pre-tax net operating income	$1,810,000	3,840
Securities gains (losses)	$0	3,944
Applicable income taxes	$531,000	4,040
Income before extraordinary items	$1,279,000	3,852
Extraordinary gains, net	$0	44
Net income	$1,279,000	3,851
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,000	3,386
Cash dividends	$420,000	3,841
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,279,000	3,783
1996-12-31 (YTD Data)		Rank
Total interest income	$7,452,000	4,314
Total interest expense	$4,230,000	3,524
Net interest income	$3,222,000	5,168
Provision for loan and lease losses	$150,000	4,046
Total noninterest income	$563,000	4,757
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$379,000	3,495
Trading account gains and fees	NA	NA
Additional Noninterest Income	$184,000	5,411
Total noninterest expense	$1,846,000	6,278
Salaries and employee benefits	$860,000	6,655
Premises and equipment expense	$247,000	6,293
Additional noninterest expense	$739,000	5,521
Pre-tax net operating income	$1,789,000	3,750
Securities gains (losses)	$2,000	3,501
Applicable income taxes	$475,000	4,313
Income before extraordinary items	$1,316,000	3,595
Extraordinary gains, net	$0	53
Net income	$1,316,000	3,595
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	4,536
Cash dividends	$420,000	3,770
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,314,540	3,550
1995-12-31 (YTD Data)		Rank
Total interest income	$6,535,000	4,837
Total interest expense	$3,746,000	3,905
Net interest income	$2,789,000	5,828
Provision for loan and lease losses	$100,000	4,579
Total noninterest income	$478,000	5,346
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$336,000	3,909
Trading account gains and fees	NA	NA
Additional Noninterest Income	$142,000	6,145
Total noninterest expense	$1,743,000	6,612
Salaries and employee benefits	$774,000	7,250
Premises and equipment expense	$209,000	7,021
Additional noninterest expense	$760,000	5,465
Pre-tax net operating income	$1,424,000	4,637
Securities gains (losses)	$-25,000	10,717
Applicable income taxes	$329,000	5,674
Income before extraordinary items	$1,070,000	4,346
Extraordinary gains, net	$0	65
Net income	$1,070,000	4,343
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,295
Cash dividends	$240,000	5,079
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,089,000	4,275
1994-12-31 (YTD Data)		Rank
Total interest income	$5,363,000	5,348
Total interest expense	$2,646,000	4,414
Net interest income	$2,717,000	6,072
Provision for loan and lease losses	$50,000	6,087
Total noninterest income	$419,000	5,966
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$327,000	4,069
Trading account gains and fees	NA	NA
Additional Noninterest Income	$92,000	7,774
Total noninterest expense	$1,650,000	7,135
Salaries and employee benefits	$722,000	7,719
Premises and equipment expense	$207,000	7,274
Additional noninterest expense	$721,000	6,179
Pre-tax net operating income	$1,436,000	4,579
Securities gains (losses)	$-50,000	11,027
Applicable income taxes	$352,000	5,249
Income before extraordinary items	$1,034,000	4,410
Extraordinary gains, net	$0	249
Net income	$1,034,000	4,410
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	5,618
Cash dividends	$275,000	4,709
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,071,500	4,324
1993-12-31 (YTD Data)		Rank
Total interest income	$4,932,000	5,853
Total interest expense	$2,256,000	5,259
Net interest income	$2,676,000	6,209
Provision for loan and lease losses	$50,000	7,415
Total noninterest income	$398,000	6,493
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$291,000	4,531
Trading account gains and fees	NA	NA
Additional Noninterest Income	$107,000	7,658
Total noninterest expense	$1,610,000	7,473
Salaries and employee benefits	$669,000	8,233
Premises and equipment expense	$217,000	7,346
Additional noninterest expense	$724,000	6,398
Pre-tax net operating income	$1,414,000	4,561
Securities gains (losses)	$-36,000	13,040
Applicable income taxes	$336,000	5,656
Income before extraordinary items	$1,042,000	4,546
Extraordinary gains, net	$0	3,149
Net income	$1,042,000	4,671
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	7,819
Cash dividends	$280,000	4,592
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,069,360	4,203
1992-12-31 (YTD Data)		Rank
Total interest income	$4,924,000	6,465
Total interest expense	$2,533,000	5,929
Net interest income	$2,391,000	6,809
Provision for loan and lease losses	$75,000	8,067
Total noninterest income	$347,000	7,155
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$248,000	5,171
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	8,102
Total noninterest expense	$1,475,000	8,013
Salaries and employee benefits	$626,000	8,586
Premises and equipment expense	$201,000	7,807
Additional noninterest expense	$648,000	7,119
Pre-tax net operating income	$1,188,000	4,954
Securities gains (losses)	$-5,000	13,085
Applicable income taxes	$297,000	5,965
Income before extraordinary items	$886,000	4,987
Extraordinary gains, net	$0	1,422
Net income	$886,000	5,037
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	7,548
Cash dividends	$240,000	4,583
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$889,750	4,672

* 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.