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Bank of Hays, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$13,474,000	2,436
Total interest expense	$4,978,000	2,017
Net interest income	$8,496,000	2,588
Provision for loan and lease losses	$0	3,275
Total noninterest income	$811,000	2,976
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$181,000	2,799
Trading account gains and fees	NA	NA
Additional Noninterest Income	$630,000	2,745
Total noninterest expense	$5,728,000	2,851
Salaries and employee benefits	$3,250,000	2,828
Premises and equipment expense	$500,000	2,959
Additional noninterest expense	$630,000	2,745
Pre-tax net operating income	$3,579,000	2,301
Securities gains (losses)	$86,000	281
Applicable income taxes	$776,000	1,600
Income before extraordinary items	$2,889,000	2,381
Extraordinary gains, net	$0	54
Net income	$2,889,000	2,405
Minority interest net income	$0	88
Net income of bank and minority interests.	$2,889,000	2,384
Net charge-offs	$5,000	2,589
Cash dividends	$2,067,000	1,496
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$2,821,060	2,420
2023-09-30 (YTD Data)		Rank
Total interest income	$9,751,000	2,464
Total interest expense	$3,491,000	1,981
Net interest income	$6,260,000	2,654
Provision for loan and lease losses	$0	3,085
Total noninterest income	$593,000	2,996
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$134,000	2,821
Trading account gains and fees	NA	NA
Additional Noninterest Income	$459,000	2,769
Total noninterest expense	$4,247,000	2,860
Salaries and employee benefits	$2,408,000	2,834
Premises and equipment expense	$372,000	2,973
Additional noninterest expense	$459,000	2,768
Pre-tax net operating income	$2,606,000	2,394
Securities gains (losses)	$86,000	176
Applicable income taxes	$560,000	1,677
Income before extraordinary items	$2,132,000	2,441
Extraordinary gains, net	$0	52
Net income	$2,132,000	2,465
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,132,000	2,443
Net charge-offs	$-1,000	3,402
Cash dividends	$2,067,000	1,145
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$2,064,060	2,499
2023-06-30 (YTD Data)		Rank
Total interest income	$6,226,000	2,484
Total interest expense	$2,064,000	1,985
Net interest income	$4,162,000	2,675
Provision for loan and lease losses	$0	2,940
Total noninterest income	$381,000	3,012
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$85,000	2,855
Trading account gains and fees	NA	NA
Additional Noninterest Income	$296,000	2,778
Total noninterest expense	$2,809,000	2,868
Salaries and employee benefits	$1,617,000	2,824
Premises and equipment expense	$241,000	3,016
Additional noninterest expense	$296,000	2,772
Pre-tax net operating income	$1,734,000	2,422
Securities gains (losses)	$86,000	192
Applicable income taxes	$365,000	1,710
Income before extraordinary items	$1,455,000	2,430
Extraordinary gains, net	$0	51
Net income	$1,455,000	2,459
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,455,000	2,430
Net charge-offs	$0	2,431
Cash dividends	$2,067,000	854
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$1,386,200	2,500
2023-03-31 (YTD Data)		Rank
Total interest income	$3,040,000	2,515
Total interest expense	$911,000	1,944
Net interest income	$2,129,000	2,652
Provision for loan and lease losses	$0	2,612
Total noninterest income	$196,000	2,971
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$41,000	2,918
Trading account gains and fees	NA	NA
Additional Noninterest Income	$155,000	2,715
Total noninterest expense	$1,423,000	2,883
Salaries and employee benefits	$842,000	2,804
Premises and equipment expense	$119,000	3,069
Additional noninterest expense	$155,000	2,715
Pre-tax net operating income	$902,000	2,428
Securities gains (losses)	$86,000	184
Applicable income taxes	$179,000	1,749
Income before extraordinary items	$809,000	2,361
Extraordinary gains, net	$0	4
Net income	$809,000	2,360
Minority interest net income	$0	48
Net income of bank and minority interests.	$809,000	2,361
Net charge-offs	$0	2,062
Cash dividends	$2,067,000	470
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$738,480	2,489
2022-12-31 (YTD Data)		Rank
Total interest income	$10,567,000	2,446
Total interest expense	$1,528,000	1,890
Net interest income	$9,039,000	2,505
Provision for loan and lease losses	$0	3,012
Total noninterest income	$804,000	3,043
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$170,000	2,936
Trading account gains and fees	NA	NA
Additional Noninterest Income	$634,000	2,813
Total noninterest expense	$5,631,000	2,850
Salaries and employee benefits	$3,251,000	2,816
Premises and equipment expense	$504,000	2,978
Additional noninterest expense	$634,000	2,813
Pre-tax net operating income	$4,212,000	2,236
Securities gains (losses)	$80,000	186
Applicable income taxes	$889,000	1,652
Income before extraordinary items	$3,403,000	2,296
Extraordinary gains, net	$0	5
Net income	$3,403,000	2,295
Minority interest net income	$0	63
Net income of bank and minority interests.	$3,403,000	2,295
Net charge-offs	$14,000	2,040
Cash dividends	$2,145,000	1,426
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$3,339,800	2,357
2022-09-30 (YTD Data)		Rank
Total interest income	$7,630,000	2,451
Total interest expense	$807,000	2,031
Net interest income	$6,823,000	2,468
Provision for loan and lease losses	$0	2,835
Total noninterest income	$591,000	3,112
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$128,000	2,953
Trading account gains and fees	NA	NA
Additional Noninterest Income	$463,000	2,885
Total noninterest expense	$4,183,000	2,858
Salaries and employee benefits	$2,443,000	2,803
Premises and equipment expense	$368,000	3,018
Additional noninterest expense	$463,000	2,885
Pre-tax net operating income	$3,231,000	2,205
Securities gains (losses)	$80,000	179
Applicable income taxes	$675,000	1,633
Income before extraordinary items	$2,636,000	2,240
Extraordinary gains, net	$0	4
Net income	$2,636,000	2,239
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,636,000	2,239
Net charge-offs	$15,000	1,701
Cash dividends	$2,145,000	1,079
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,572,000	2,310
2022-06-30 (YTD Data)		Rank
Total interest income	$4,804,000	2,496
Total interest expense	$408,000	2,230
Net interest income	$4,396,000	2,500
Provision for loan and lease losses	$0	2,599
Total noninterest income	$398,000	3,083
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$83,000	2,994
Trading account gains and fees	NA	NA
Additional Noninterest Income	$315,000	2,895
Total noninterest expense	$2,789,000	2,848
Salaries and employee benefits	$1,634,000	2,801
Premises and equipment expense	$242,000	3,059
Additional noninterest expense	$913,000	2,768
Pre-tax net operating income	$2,005,000	2,194
Securities gains (losses)	$79,000	162
Applicable income taxes	$411,000	1,631
Income before extraordinary items	$1,673,000	2,209
Extraordinary gains, net	$0	4
Net income	$1,673,000	2,209
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,673,000	2,209
Net charge-offs	$-1,000	2,999
Cash dividends	$2,145,000	797
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,609,800	2,289
2022-03-31 (YTD Data)		Rank
Total interest income	$2,479,000	2,410
Total interest expense	$178,000	2,389
Net interest income	$2,301,000	2,387
Provision for loan and lease losses	$0	2,285
Total noninterest income	$209,000	2,997
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$39,000	3,030
Trading account gains and fees	NA	NA
Additional Noninterest Income	$170,000	2,749
Total noninterest expense	$1,430,000	2,798
Salaries and employee benefits	$857,000	2,732
Premises and equipment expense	$117,000	3,110
Additional noninterest expense	$456,000	2,759
Pre-tax net operating income	$1,080,000	2,011
Securities gains (losses)	$79,000	156
Applicable income taxes	$219,000	1,545
Income before extraordinary items	$940,000	1,992
Extraordinary gains, net	$0	4
Net income	$940,000	1,991
Minority interest net income	$0	50
Net income of bank and minority interests.	$940,000	1,992
Net charge-offs	$0	1,838
Cash dividends	$2,145,000	439
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$876,010	2,100
2021-12-31 (YTD Data)		Rank
Total interest income	$11,481,000	2,262
Total interest expense	$910,000	2,352
Net interest income	$10,571,000	2,245
Provision for loan and lease losses	$268,000	1,502
Total noninterest income	$960,000	3,026
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$151,000	3,001
Trading account gains and fees	NA	NA
Additional Noninterest Income	$809,000	2,823
Total noninterest expense	$5,487,000	2,858
Salaries and employee benefits	$3,338,000	2,786
Premises and equipment expense	$503,000	3,025
Additional noninterest expense	$1,646,000	2,936
Pre-tax net operating income	$5,776,000	1,872
Securities gains (losses)	$103,000	850
Applicable income taxes	$1,287,000	1,436
Income before extraordinary items	$4,592,000	1,993
Extraordinary gains, net	$0	10
Net income	$4,592,000	1,993
Minority interest net income	$0	74
Net income of bank and minority interests.	$4,592,000	1,994
Net charge-offs	$59,000	1,577
Cash dividends	$1,950,000	1,575
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$4,510,630	1,992
2021-09-30 (YTD Data)		Rank
Total interest income	$9,162,000	2,216
Total interest expense	$723,000	2,359
Net interest income	$8,439,000	2,172
Provision for loan and lease losses	$268,000	1,254
Total noninterest income	$744,000	3,010
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$109,000	3,050
Trading account gains and fees	NA	NA
Additional Noninterest Income	$635,000	2,811
Total noninterest expense	$4,113,000	2,882
Salaries and employee benefits	$2,551,000	2,767
Premises and equipment expense	$381,000	3,024
Additional noninterest expense	$1,181,000	3,038
Pre-tax net operating income	$4,802,000	1,817
Securities gains (losses)	$102,000	799
Applicable income taxes	$1,085,000	1,403
Income before extraordinary items	$3,819,000	1,936
Extraordinary gains, net	$0	8
Net income	$3,819,000	1,935
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,819,000	1,936
Net charge-offs	$-7,000	3,541
Cash dividends	$1,950,000	1,190
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$3,738,420	1,941
2021-06-30 (YTD Data)		Rank
Total interest income	$5,700,000	2,317
Total interest expense	$511,000	2,345
Net interest income	$5,189,000	2,296
Provision for loan and lease losses	$268,000	987
Total noninterest income	$421,000	3,193
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$71,000	3,041
Trading account gains and fees	NA	NA
Additional Noninterest Income	$350,000	2,997
Total noninterest expense	$2,657,000	2,935
Salaries and employee benefits	$1,647,000	2,813
Premises and equipment expense	$248,000	3,059
Additional noninterest expense	$762,000	3,073
Pre-tax net operating income	$2,685,000	2,019
Securities gains (losses)	$100,000	662
Applicable income taxes	$601,000	1,526
Income before extraordinary items	$2,184,000	2,122
Extraordinary gains, net	$0	6
Net income	$2,184,000	2,122
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,184,000	2,122
Net charge-offs	$-8,000	3,728
Cash dividends	$1,950,000	890
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,105,000	2,122
2021-03-31 (YTD Data)		Rank
Total interest income	$2,675,000	2,409
Total interest expense	$266,000	2,346
Net interest income	$2,409,000	2,401
Provision for loan and lease losses	$196,000	837
Total noninterest income	$197,000	3,244
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$35,000	3,054
Trading account gains and fees	NA	NA
Additional Noninterest Income	$162,000	3,055
Total noninterest expense	$1,331,000	2,924
Salaries and employee benefits	$803,000	2,846
Premises and equipment expense	$125,000	3,065
Additional noninterest expense	$403,000	2,923
Pre-tax net operating income	$1,079,000	2,271
Securities gains (losses)	$99,000	485
Applicable income taxes	$240,000	1,673
Income before extraordinary items	$938,000	2,304
Extraordinary gains, net	$0	3
Net income	$938,000	2,303
Minority interest net income	$0	55
Net income of bank and minority interests.	$938,000	2,304
Net charge-offs	$-8,000	3,977
Cash dividends	$1,950,000	479
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$858,800	2,373
2020-12-31 (YTD Data)		Rank
Total interest income	$11,249,000	2,342
Total interest expense	$1,412,000	2,480
Net interest income	$9,837,000	2,278
Provision for loan and lease losses	$1,192,000	1,451
Total noninterest income	$732,000	3,219
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$170,000	2,962
Trading account gains and fees	$0	133
Additional Noninterest Income	$562,000	3,037
Total noninterest expense	$5,221,000	2,924
Salaries and employee benefits	$3,072,000	2,909
Premises and equipment expense	$492,000	3,089
Additional noninterest expense	$1,657,000	2,860
Pre-tax net operating income	$4,156,000	2,018
Securities gains (losses)	$51,000	1,718
Applicable income taxes	$891,000	1,519
Income before extraordinary items	$3,316,000	2,157
Extraordinary gains, net	$0	4
Net income	$3,316,000	2,157
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,316,000	2,157
Net charge-offs	$-5,000	4,126
Cash dividends	$1,950,000	1,567
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$3,275,710	2,130
2020-09-30 (YTD Data)		Rank
Total interest income	$8,352,000	2,366
Total interest expense	$1,121,000	2,488
Net interest income	$7,231,000	2,322
Provision for loan and lease losses	$702,000	1,662
Total noninterest income	$533,000	3,240
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$125,000	3,001
Trading account gains and fees	$0	125
Additional Noninterest Income	$408,000	3,034
Total noninterest expense	$3,924,000	2,904
Salaries and employee benefits	$2,322,000	2,875
Premises and equipment expense	$373,000	3,078
Additional noninterest expense	$1,229,000	2,868
Pre-tax net operating income	$3,138,000	1,990
Securities gains (losses)	$52,000	1,520
Applicable income taxes	$667,000	1,504
Income before extraordinary items	$2,523,000	2,135
Extraordinary gains, net	$0	4
Net income	$2,523,000	2,135
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,523,000	2,135
Net charge-offs	$-11,000	4,273
Cash dividends	$1,950,000	1,137
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,481,920	2,099
2020-06-30 (YTD Data)		Rank
Total interest income	$5,192,000	2,502
Total interest expense	$796,000	2,505
Net interest income	$4,396,000	2,476
Provision for loan and lease losses	$360,000	1,871
Total noninterest income	$331,000	3,281
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$85,000	3,014
Trading account gains and fees	$0	123
Additional Noninterest Income	$246,000	3,105
Total noninterest expense	$2,729,000	2,840
Salaries and employee benefits	$1,528,000	2,910
Premises and equipment expense	$238,000	3,150
Additional noninterest expense	$963,000	2,582
Pre-tax net operating income	$1,638,000	2,277
Securities gains (losses)	$52,000	1,282
Applicable income taxes	$259,000	1,854
Income before extraordinary items	$1,431,000	2,296
Extraordinary gains, net	$0	4
Net income	$1,431,000	2,295
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,431,000	2,296
Net charge-offs	$-13,000	4,396
Cash dividends	$1,950,000	834
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,386,800	2,306
2020-03-31 (YTD Data)		Rank
Total interest income	$2,686,000	2,440
Total interest expense	$424,000	2,547
Net interest income	$2,262,000	2,389
Provision for loan and lease losses	$180,000	1,515
Total noninterest income	$152,000	3,369
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$46,000	3,145
Trading account gains and fees	$0	106
Additional Noninterest Income	$106,000	3,110
Total noninterest expense	$1,315,000	2,931
Salaries and employee benefits	$772,000	2,914
Premises and equipment expense	$116,000	3,202
Additional noninterest expense	$427,000	2,817
Pre-tax net operating income	$919,000	1,955
Securities gains (losses)	$52,000	830
Applicable income taxes	$185,000	1,458
Income before extraordinary items	$786,000	2,005
Extraordinary gains, net	$0	4
Net income	$786,000	2,005
Minority interest net income	$0	56
Net income of bank and minority interests.	$786,000	2,005
Net charge-offs	$0	2,581
Cash dividends	$1,950,000	533
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$743,880	2,044
2019-12-31 (YTD Data)		Rank
Total interest income	$10,324,000	2,543
Total interest expense	$1,962,000	2,367
Net interest income	$8,362,000	2,545
Provision for loan and lease losses	$780,000	1,098
Total noninterest income	$592,000	3,471
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$197,000	3,184
Trading account gains and fees	$0	135
Additional Noninterest Income	$395,000	3,286
Total noninterest expense	$4,942,000	3,030
Salaries and employee benefits	$2,882,000	3,006
Premises and equipment expense	$449,000	3,279
Additional noninterest expense	$1,611,000	2,945
Pre-tax net operating income	$3,232,000	2,347
Securities gains (losses)	$64,000	1,139
Applicable income taxes	$604,000	1,837
Income before extraordinary items	$2,692,000	2,461
Extraordinary gains, net	$0	11
Net income	$2,692,000	2,462
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,692,000	2,463
Net charge-offs	$1,591,000	491
Cash dividends	$1,560,000	1,836
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,639,520	2,463
2019-09-30 (YTD Data)		Rank
Total interest income	$7,755,000	2,572
Total interest expense	$1,492,000	2,360
Net interest income	$6,263,000	2,577
Provision for loan and lease losses	$460,000	1,226
Total noninterest income	$444,000	3,488
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$146,000	3,226
Trading account gains and fees	$0	129
Additional Noninterest Income	$298,000	3,300
Total noninterest expense	$3,694,000	3,057
Salaries and employee benefits	$2,178,000	3,006
Premises and equipment expense	$349,000	3,237
Additional noninterest expense	$1,167,000	3,022
Pre-tax net operating income	$2,553,000	2,340
Securities gains (losses)	$64,000	975
Applicable income taxes	$510,000	1,780
Income before extraordinary items	$2,107,000	2,444
Extraordinary gains, net	$0	11
Net income	$2,107,000	2,445
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,107,000	2,445
Net charge-offs	$66,000	2,036
Cash dividends	$1,560,000	1,417
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,055,160	2,454
2019-06-30 (YTD Data)		Rank
Total interest income	$5,072,000	2,597
Total interest expense	$953,000	2,406
Net interest income	$4,119,000	2,607
Provision for loan and lease losses	$280,000	1,297
Total noninterest income	$291,000	3,487
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$94,000	3,273
Trading account gains and fees	$0	131
Additional Noninterest Income	$197,000	3,285
Total noninterest expense	$2,489,000	3,056
Salaries and employee benefits	$1,461,000	3,013
Premises and equipment expense	$230,000	3,281
Additional noninterest expense	$798,000	3,011
Pre-tax net operating income	$1,641,000	2,359
Securities gains (losses)	$64,000	666
Applicable income taxes	$329,000	1,778
Income before extraordinary items	$1,376,000	2,448
Extraordinary gains, net	$0	11
Net income	$1,376,000	2,448
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,376,000	2,448
Net charge-offs	$67,000	1,636
Cash dividends	$1,560,000	1,067
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,324,160	2,474
2019-03-31 (YTD Data)		Rank
Total interest income	$2,473,000	2,648
Total interest expense	$438,000	2,495
Net interest income	$2,035,000	2,642
Provision for loan and lease losses	$90,000	1,533
Total noninterest income	$144,000	3,490
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$45,000	3,322
Trading account gains and fees	$0	126
Additional Noninterest Income	$99,000	3,236
Total noninterest expense	$1,285,000	3,017
Salaries and employee benefits	$752,000	2,978
Premises and equipment expense	$116,000	3,295
Additional noninterest expense	$417,000	2,918
Pre-tax net operating income	$804,000	2,353
Securities gains (losses)	$64,000	347
Applicable income taxes	$165,000	1,752
Income before extraordinary items	$703,000	2,360
Extraordinary gains, net	$0	5
Net income	$703,000	2,358
Minority interest net income	$0	52
Net income of bank and minority interests.	$703,000	2,359
Net charge-offs	$91,000	928
Cash dividends	$1,560,000	604
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$651,160	2,456
2018-12-31 (YTD Data)		Rank
Total interest income	$9,940,000	2,536
Total interest expense	$1,320,000	2,527
Net interest income	$8,620,000	2,521
Provision for loan and lease losses	$360,000	1,765
Total noninterest income	$581,000	3,598
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$194,000	3,348
Trading account gains and fees	$0	126
Additional Noninterest Income	$387,000	3,388
Total noninterest expense	$5,118,000	3,005
Salaries and employee benefits	$2,915,000	3,022
Premises and equipment expense	$435,000	3,386
Additional noninterest expense	$1,768,000	2,829
Pre-tax net operating income	$3,723,000	2,195
Securities gains (losses)	$637,000	106
Applicable income taxes	$887,000	1,486
Income before extraordinary items	$3,473,000	2,100
Extraordinary gains, net	$0	6
Net income	$3,473,000	2,098
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,473,000	2,099
Net charge-offs	$117,000	2,039
Cash dividends	$1,872,000	1,522
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,963,400	2,335
2018-09-30 (YTD Data)		Rank
Total interest income	$7,602,000	2,502
Total interest expense	$952,000	2,513
Net interest income	$6,650,000	2,484
Provision for loan and lease losses	$270,000	1,667
Total noninterest income	$444,000	3,590
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$140,000	3,420
Trading account gains and fees	$0	138
Additional Noninterest Income	$304,000	3,362
Total noninterest expense	$3,816,000	3,030
Salaries and employee benefits	$2,192,000	3,017
Premises and equipment expense	$329,000	3,427
Additional noninterest expense	$1,295,000	2,869
Pre-tax net operating income	$3,008,000	2,123
Securities gains (losses)	$637,000	110
Applicable income taxes	$754,000	1,431
Income before extraordinary items	$2,891,000	1,959
Extraordinary gains, net	$0	5
Net income	$2,891,000	1,956
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,891,000	1,958
Net charge-offs	$-9,000	4,451
Cash dividends	$1,872,000	1,146
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,387,770	2,243
2018-06-30 (YTD Data)		Rank
Total interest income	$5,024,000	2,494
Total interest expense	$609,000	2,499
Net interest income	$4,415,000	2,492
Provision for loan and lease losses	$180,000	1,601
Total noninterest income	$293,000	3,622
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$91,000	3,461
Trading account gains and fees	$0	130
Additional Noninterest Income	$202,000	3,384
Total noninterest expense	$2,582,000	3,027
Salaries and employee benefits	$1,493,000	3,001
Premises and equipment expense	$216,000	3,469
Additional noninterest expense	$873,000	2,869
Pre-tax net operating income	$1,946,000	2,140
Securities gains (losses)	$640,000	91
Applicable income taxes	$536,000	1,353
Income before extraordinary items	$2,050,000	1,849
Extraordinary gains, net	$0	6
Net income	$2,050,000	1,847
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,050,000	1,848
Net charge-offs	$-1,000	3,891
Cash dividends	$1,872,000	820
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,544,400	2,258
2018-03-31 (YTD Data)		Rank
Total interest income	$2,485,000	2,513
Total interest expense	$287,000	2,533
Net interest income	$2,198,000	2,494
Provision for loan and lease losses	$90,000	1,532
Total noninterest income	$148,000	3,594
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$42,000	3,576
Trading account gains and fees	$0	123
Additional Noninterest Income	$106,000	3,266
Total noninterest expense	$1,249,000	3,107
Salaries and employee benefits	$723,000	3,071
Premises and equipment expense	$108,000	3,514
Additional noninterest expense	$418,000	2,976
Pre-tax net operating income	$1,007,000	2,038
Securities gains (losses)	$0	735
Applicable income taxes	$193,000	1,603
Income before extraordinary items	$814,000	2,151
Extraordinary gains, net	$0	7
Net income	$814,000	2,150
Minority interest net income	$0	52
Net income of bank and minority interests.	$814,000	2,151
Net charge-offs	$-1,000	3,770
Cash dividends	$1,872,000	455
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$814,000	2,138
2017-12-31 (YTD Data)		Rank
Total interest income	$9,967,000	2,454
Total interest expense	$1,120,000	2,361
Net interest income	$8,847,000	2,442
Provision for loan and lease losses	$360,000	1,763
Total noninterest income	$578,000	3,751
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$179,000	3,605
Trading account gains and fees	$0	151
Additional Noninterest Income	$399,000	3,457
Total noninterest expense	$4,898,000	3,126
Salaries and employee benefits	$2,707,000	3,186
Premises and equipment expense	$434,000	3,514
Additional noninterest expense	$1,757,000	2,895
Pre-tax net operating income	$4,167,000	1,984
Securities gains (losses)	$2,000	1,996
Applicable income taxes	$1,363,000	1,609
Income before extraordinary items	$2,806,000	2,164
Extraordinary gains, net	$0	9
Net income	$2,806,000	2,162
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,806,000	2,164
Net charge-offs	$1,113,000	637
Cash dividends	$1,170,000	2,021
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,804,660	2,147
2017-09-30 (YTD Data)		Rank
Total interest income	$7,450,000	2,473
Total interest expense	$846,000	2,318
Net interest income	$6,604,000	2,465
Provision for loan and lease losses	$270,000	1,724
Total noninterest income	$436,000	3,761
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$135,000	3,630
Trading account gains and fees	$0	145
Additional Noninterest Income	$301,000	3,472
Total noninterest expense	$3,632,000	3,167
Salaries and employee benefits	$2,045,000	3,186
Premises and equipment expense	$332,000	3,510
Additional noninterest expense	$1,255,000	3,000
Pre-tax net operating income	$3,138,000	1,994
Securities gains (losses)	$2,000	2,024
Applicable income taxes	$927,000	1,526
Income before extraordinary items	$2,213,000	2,219
Extraordinary gains, net	$0	9
Net income	$2,213,000	2,219
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,213,000	2,219
Net charge-offs	$4,000	3,505
Cash dividends	$1,170,000	1,554
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,211,600	2,198
2017-06-30 (YTD Data)		Rank
Total interest income	$4,908,000	2,471
Total interest expense	$552,000	2,312
Net interest income	$4,356,000	2,465
Provision for loan and lease losses	$180,000	1,642
Total noninterest income	$304,000	3,709
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$91,000	3,601
Trading account gains and fees	$0	139
Additional Noninterest Income	$213,000	3,397
Total noninterest expense	$2,440,000	3,174
Salaries and employee benefits	$1,382,000	3,177
Premises and equipment expense	$223,000	3,519
Additional noninterest expense	$835,000	3,013
Pre-tax net operating income	$2,040,000	1,994
Securities gains (losses)	$2,000	1,641
Applicable income taxes	$585,000	1,557
Income before extraordinary items	$1,457,000	2,203
Extraordinary gains, net	$0	11
Net income	$1,457,000	2,204
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,457,000	2,204
Net charge-offs	$3,000	3,240
Cash dividends	$1,170,000	1,178
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,455,580	2,177
2017-03-31 (YTD Data)		Rank
Total interest income	$2,411,000	2,504
Total interest expense	$268,000	2,345
Net interest income	$2,143,000	2,504
Provision for loan and lease losses	$90,000	1,522
Total noninterest income	$176,000	3,480
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$45,000	3,646
Trading account gains and fees	$0	142
Additional Noninterest Income	$131,000	3,109
Total noninterest expense	$1,245,000	3,173
Salaries and employee benefits	$706,000	3,184
Premises and equipment expense	$113,000	3,535
Additional noninterest expense	$426,000	2,993
Pre-tax net operating income	$984,000	1,983
Securities gains (losses)	$2,000	951
Applicable income taxes	$258,000	1,632
Income before extraordinary items	$728,000	2,134
Extraordinary gains, net	$0	8
Net income	$728,000	2,135
Minority interest net income	$0	55
Net income of bank and minority interests.	$728,000	2,135
Net charge-offs	$0	2,943
Cash dividends	$1,170,000	647
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$726,520	2,107
2016-12-31 (YTD Data)		Rank
Total interest income	$9,495,000	2,512
Total interest expense	$942,000	2,522
Net interest income	$8,553,000	2,488
Provision for loan and lease losses	$720,000	1,167
Total noninterest income	$573,000	3,882
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$201,000	3,569
Trading account gains and fees	$0	170
Additional Noninterest Income	$372,000	3,670
Total noninterest expense	$4,771,000	3,278
Salaries and employee benefits	$2,705,000	3,249
Premises and equipment expense	$427,000	3,667
Additional noninterest expense	$1,639,000	3,145
Pre-tax net operating income	$3,635,000	2,068
Securities gains (losses)	$84,000	1,473
Applicable income taxes	$1,022,000	1,623
Income before extraordinary items	$2,697,000	2,288
Extraordinary gains, net	$0	5
Net income	$2,697,000	2,285
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,697,000	2,287
Net charge-offs	$7,000	3,950
Cash dividends	$897,000	2,350
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,635,680	2,273
2016-09-30 (YTD Data)		Rank
Total interest income	$7,064,000	2,531
Total interest expense	$693,000	2,547
Net interest income	$6,371,000	2,507
Provision for loan and lease losses	$270,000	1,728
Total noninterest income	$448,000	3,864
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$154,000	3,555
Trading account gains and fees	$0	169
Additional Noninterest Income	$294,000	3,600
Total noninterest expense	$3,621,000	3,249
Salaries and employee benefits	$2,052,000	3,221
Premises and equipment expense	$335,000	3,595
Additional noninterest expense	$1,234,000	3,160
Pre-tax net operating income	$2,928,000	1,995
Securities gains (losses)	$84,000	1,388
Applicable income taxes	$886,000	1,529
Income before extraordinary items	$2,126,000	2,238
Extraordinary gains, net	$0	5
Net income	$2,126,000	2,237
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,126,000	2,238
Net charge-offs	$-2,000	4,547
Cash dividends	$897,000	1,785
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,066,360	2,225
2016-06-30 (YTD Data)		Rank
Total interest income	$4,639,000	2,573
Total interest expense	$447,000	2,626
Net interest income	$4,192,000	2,537
Provision for loan and lease losses	$180,000	1,722
Total noninterest income	$302,000	3,827
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$103,000	3,564
Trading account gains and fees	$0	157
Additional Noninterest Income	$199,000	3,608
Total noninterest expense	$2,432,000	3,263
Salaries and employee benefits	$1,389,000	3,202
Premises and equipment expense	$224,000	3,625
Additional noninterest expense	$819,000	3,175
Pre-tax net operating income	$1,882,000	2,042
Securities gains (losses)	$58,000	1,320
Applicable income taxes	$556,000	1,561
Income before extraordinary items	$1,384,000	2,259
Extraordinary gains, net	$0	16
Net income	$1,384,000	2,258
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,384,000	2,258
Net charge-offs	$-2,000	4,474
Cash dividends	$897,000	1,422
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,342,820	2,240
2016-03-31 (YTD Data)		Rank
Total interest income	$2,322,000	2,566
Total interest expense	$214,000	2,718
Net interest income	$2,108,000	2,526
Provision for loan and lease losses	$90,000	1,597
Total noninterest income	$153,000	3,791
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$50,000	3,593
Trading account gains and fees	$0	142
Additional Noninterest Income	$103,000	3,517
Total noninterest expense	$1,230,000	3,263
Salaries and employee benefits	$722,000	3,140
Premises and equipment expense	$112,000	3,646
Additional noninterest expense	$396,000	3,257
Pre-tax net operating income	$941,000	2,014
Securities gains (losses)	$49,000	842
Applicable income taxes	$272,000	1,567
Income before extraordinary items	$718,000	2,164
Extraordinary gains, net	$0	12
Net income	$718,000	2,164
Minority interest net income	$0	62
Net income of bank and minority interests.	$718,000	2,164
Net charge-offs	$-2,000	4,420
Cash dividends	$897,000	818
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$682,230	2,181
2015-12-31 (YTD Data)		Rank
Total interest income	$8,853,000	2,634
Total interest expense	$818,000	2,783
Net interest income	$8,035,000	2,588
Provision for loan and lease losses	$360,000	1,703
Total noninterest income	$526,000	4,105
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$181,000	3,849
Trading account gains and fees	$0	159
Additional Noninterest Income	$345,000	3,790
Total noninterest expense	$4,653,000	3,387
Salaries and employee benefits	$2,633,000	3,290
Premises and equipment expense	$427,000	3,787
Additional noninterest expense	$1,593,000	3,282
Pre-tax net operating income	$3,548,000	2,050
Securities gains (losses)	$79,000	1,306
Applicable income taxes	$1,050,000	1,555
Income before extraordinary items	$2,577,000	2,286
Extraordinary gains, net	$0	23
Net income	$2,577,000	2,286
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,577,000	2,287
Net charge-offs	$300,000	1,605
Cash dividends	$1,150,000	1,962
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,520,910	2,288
2015-09-30 (YTD Data)		Rank
Total interest income	$6,635,000	2,651
Total interest expense	$624,000	2,785
Net interest income	$6,011,000	2,606
Provision for loan and lease losses	$270,000	1,610
Total noninterest income	$392,000	4,139
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$133,000	3,921
Trading account gains and fees	$0	153
Additional Noninterest Income	$259,000	3,820
Total noninterest expense	$3,451,000	3,432
Salaries and employee benefits	$1,943,000	3,335
Premises and equipment expense	$322,000	3,812
Additional noninterest expense	$1,186,000	3,304
Pre-tax net operating income	$2,682,000	2,089
Securities gains (losses)	$68,000	1,275
Applicable income taxes	$787,000	1,603
Income before extraordinary items	$1,963,000	2,304
Extraordinary gains, net	$0	21
Net income	$1,963,000	2,305
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,963,000	2,305
Net charge-offs	$252,000	1,335
Cash dividends	$253,000	2,944
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,914,720	2,302
2015-06-30 (YTD Data)		Rank
Total interest income	$4,432,000	2,645
Total interest expense	$428,000	2,735
Net interest income	$4,004,000	2,611
Provision for loan and lease losses	$180,000	1,603
Total noninterest income	$256,000	4,193
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$85,000	3,973
Trading account gains and fees	$0	157
Additional Noninterest Income	$171,000	3,864
Total noninterest expense	$2,305,000	3,456
Salaries and employee benefits	$1,294,000	3,373
Premises and equipment expense	$211,000	3,873
Additional noninterest expense	$800,000	3,309
Pre-tax net operating income	$1,775,000	2,072
Securities gains (losses)	$61,000	1,125
Applicable income taxes	$513,000	1,600
Income before extraordinary items	$1,323,000	2,258
Extraordinary gains, net	$0	22
Net income	$1,323,000	2,260
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,323,000	2,260
Net charge-offs	$248,000	1,050
Cash dividends	$253,000	2,571
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,279,080	2,274
2015-03-31 (YTD Data)		Rank
Total interest income	$2,207,000	2,660
Total interest expense	$227,000	2,652
Net interest income	$1,980,000	2,637
Provision for loan and lease losses	$90,000	1,532
Total noninterest income	$117,000	4,312
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$40,000	4,052
Trading account gains and fees	$0	152
Additional Noninterest Income	$77,000	3,964
Total noninterest expense	$1,165,000	3,449
Salaries and employee benefits	$642,000	3,421
Premises and equipment expense	$105,000	3,925
Additional noninterest expense	$418,000	3,206
Pre-tax net operating income	$842,000	2,129
Securities gains (losses)	$43,000	908
Applicable income taxes	$227,000	1,693
Income before extraordinary items	$658,000	2,244
Extraordinary gains, net	$0	13
Net income	$658,000	2,245
Minority interest net income	$0	64
Net income of bank and minority interests.	$658,000	2,245
Net charge-offs	$-1,000	4,352
Cash dividends	$253,000	1,661
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$626,180	2,251
2014-12-31 (YTD Data)		Rank
Total interest income	$8,525,000	2,752
Total interest expense	$917,000	2,747
Net interest income	$7,608,000	2,735
Provision for loan and lease losses	$360,000	1,793
Total noninterest income	$473,000	4,364
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$189,000	4,001
Trading account gains and fees	$0	180
Additional Noninterest Income	$284,000	4,080
Total noninterest expense	$4,372,000	3,622
Salaries and employee benefits	$2,537,000	3,445
Premises and equipment expense	$410,000	4,042
Additional noninterest expense	$1,425,000	3,650
Pre-tax net operating income	$3,349,000	2,096
Securities gains (losses)	$24,000	2,223
Applicable income taxes	$953,000	1,599
Income before extraordinary items	$2,420,000	2,362
Extraordinary gains, net	$0	17
Net income	$2,420,000	2,362
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,420,000	2,362
Net charge-offs	$7,000	4,671
Cash dividends	$754,000	2,374
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,402,720	2,333
2014-09-30 (YTD Data)		Rank
Total interest income	$6,307,000	2,800
Total interest expense	$682,000	2,817
Net interest income	$5,625,000	2,780
Provision for loan and lease losses	$270,000	1,734
Total noninterest income	$358,000	4,378
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$147,000	3,981
Trading account gains and fees	$0	174
Additional Noninterest Income	$211,000	4,136
Total noninterest expense	$3,253,000	3,650
Salaries and employee benefits	$1,886,000	3,479
Premises and equipment expense	$313,000	4,051
Additional noninterest expense	$1,054,000	3,715
Pre-tax net operating income	$2,460,000	2,172
Securities gains (losses)	$24,000	1,926
Applicable income taxes	$692,000	1,658
Income before extraordinary items	$1,792,000	2,403
Extraordinary gains, net	$0	15
Net income	$1,792,000	2,404
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,792,000	2,403
Net charge-offs	$8,000	4,232
Cash dividends	$254,000	2,885
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,774,720	2,377
2014-06-30 (YTD Data)		Rank
Total interest income	$4,092,000	2,874
Total interest expense	$451,000	2,862
Net interest income	$3,641,000	2,838
Provision for loan and lease losses	$180,000	1,726
Total noninterest income	$234,000	4,426
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$100,000	3,941
Trading account gains and fees	$0	172
Additional Noninterest Income	$134,000	4,187
Total noninterest expense	$2,165,000	3,667
Salaries and employee benefits	$1,258,000	3,498
Premises and equipment expense	$209,000	4,084
Additional noninterest expense	$698,000	3,746
Pre-tax net operating income	$1,530,000	2,241
Securities gains (losses)	$24,000	1,570
Applicable income taxes	$412,000	1,734
Income before extraordinary items	$1,142,000	2,417
Extraordinary gains, net	$0	20
Net income	$1,142,000	2,421
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,142,000	2,421
Net charge-offs	$-2,000	5,209
Cash dividends	$254,000	2,502
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,124,480	2,400
2014-03-31 (YTD Data)		Rank
Total interest income	$2,021,000	2,904
Total interest expense	$223,000	2,916
Net interest income	$1,798,000	2,866
Provision for loan and lease losses	$90,000	1,672
Total noninterest income	$116,000	4,402
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$50,000	3,922
Trading account gains and fees	$0	147
Additional Noninterest Income	$66,000	4,189
Total noninterest expense	$1,096,000	3,675
Salaries and employee benefits	$639,000	3,493
Premises and equipment expense	$105,000	4,105
Additional noninterest expense	$352,000	3,706
Pre-tax net operating income	$728,000	2,260
Securities gains (losses)	$0	1,715
Applicable income taxes	$169,000	1,887
Income before extraordinary items	$559,000	2,383
Extraordinary gains, net	$0	16
Net income	$559,000	2,384
Minority interest net income	$0	66
Net income of bank and minority interests.	$559,000	2,385
Net charge-offs	$7,000	2,989
Cash dividends	$254,000	1,564
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$559,000	2,340
2013-12-31 (YTD Data)		Rank
Total interest income	$7,973,000	2,955
Total interest expense	$962,000	3,033
Net interest income	$7,011,000	2,903
Provision for loan and lease losses	$240,000	2,739
Total noninterest income	$440,000	4,607
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$194,000	4,152
Trading account gains and fees	$0	184
Additional Noninterest Income	$246,000	4,342
Total noninterest expense	$4,315,000	3,739
Salaries and employee benefits	$2,461,000	3,582
Premises and equipment expense	$415,000	4,132
Additional noninterest expense	$1,439,000	3,755
Pre-tax net operating income	$2,896,000	2,215
Securities gains (losses)	$33,000	2,070
Applicable income taxes	$738,000	1,768
Income before extraordinary items	$2,191,000	2,438
Extraordinary gains, net	$0	29
Net income	$2,191,000	2,442
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,191,000	2,441
Net charge-offs	$56,000	4,265
Cash dividends	$1,253,000	1,647
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,166,250	2,399
2013-09-30 (YTD Data)		Rank
Total interest income	$5,923,000	2,991
Total interest expense	$732,000	3,077
Net interest income	$5,191,000	2,945
Provision for loan and lease losses	$180,000	2,702
Total noninterest income	$307,000	4,782
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$139,000	4,253
Trading account gains and fees	$0	180
Additional Noninterest Income	$168,000	4,551
Total noninterest expense	$3,232,000	3,765
Salaries and employee benefits	$1,821,000	3,641
Premises and equipment expense	$322,000	4,108
Additional noninterest expense	$1,089,000	3,731
Pre-tax net operating income	$2,086,000	2,346
Securities gains (losses)	$25,000	2,108
Applicable income taxes	$498,000	1,914
Income before extraordinary items	$1,613,000	2,511
Extraordinary gains, net	$0	25
Net income	$1,613,000	2,516
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,613,000	2,516
Net charge-offs	$61,000	3,704
Cash dividends	$253,000	2,760
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,594,000	2,457
2013-06-30 (YTD Data)		Rank
Total interest income	$3,912,000	3,012
Total interest expense	$498,000	3,081
Net interest income	$3,414,000	2,974
Provision for loan and lease losses	$120,000	2,706
Total noninterest income	$200,000	4,835
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$84,000	4,418
Trading account gains and fees	$0	157
Additional Noninterest Income	$116,000	4,552
Total noninterest expense	$2,171,000	3,764
Salaries and employee benefits	$1,217,000	3,644
Premises and equipment expense	$216,000	4,120
Additional noninterest expense	$738,000	3,690
Pre-tax net operating income	$1,323,000	2,418
Securities gains (losses)	$18,000	2,064
Applicable income taxes	$277,000	2,098
Income before extraordinary items	$1,064,000	2,509
Extraordinary gains, net	$0	22
Net income	$1,064,000	2,516
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,064,000	2,515
Net charge-offs	$65,000	3,136
Cash dividends	$253,000	2,363
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,049,780	2,436
2013-03-31 (YTD Data)		Rank
Total interest income	$1,959,000	3,041
Total interest expense	$256,000	3,099
Net interest income	$1,703,000	2,989
Provision for loan and lease losses	$60,000	2,589
Total noninterest income	$104,000	4,789
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$40,000	4,477
Trading account gains and fees	$0	148
Additional Noninterest Income	$64,000	4,392
Total noninterest expense	$1,122,000	3,725
Salaries and employee benefits	$625,000	3,616
Premises and equipment expense	$105,000	4,201
Additional noninterest expense	$392,000	3,559
Pre-tax net operating income	$625,000	2,485
Securities gains (losses)	$13,000	1,412
Applicable income taxes	$97,000	2,438
Income before extraordinary items	$541,000	2,442
Extraordinary gains, net	$0	10
Net income	$541,000	2,444
Minority interest net income	$0	76
Net income of bank and minority interests.	$541,000	2,444
Net charge-offs	$-4,000	5,794
Cash dividends	$253,000	1,451
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$529,950	2,392
2012-12-31 (YTD Data)		Rank
Total interest income	$7,563,000	3,258
Total interest expense	$1,132,000	3,317
Net interest income	$6,431,000	3,201
Provision for loan and lease losses	$240,000	3,678
Total noninterest income	$550,000	4,331
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$142,000	4,864
Trading account gains and fees	$0	166
Additional Noninterest Income	$408,000	3,612
Total noninterest expense	$3,798,000	4,178
Salaries and employee benefits	$2,158,000	3,949
Premises and equipment expense	$370,000	4,481
Additional noninterest expense	$1,270,000	4,215
Pre-tax net operating income	$2,943,000	2,121
Securities gains (losses)	$22,000	3,143
Applicable income taxes	$774,000	1,733
Income before extraordinary items	$2,191,000	2,424
Extraordinary gains, net	$0	29
Net income	$2,191,000	2,425
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,191,000	2,425
Net charge-offs	$199,000	3,770
Cash dividends	$306,000	3,265
Sale, conversion, retirement of capital stock, net	$1,428,000	182
Net operating income	$2,174,720	2,306
2012-09-30 (YTD Data)		Rank
Total interest income	$5,672,000	3,324
Total interest expense	$869,000	3,378
Net interest income	$4,803,000	3,255
Provision for loan and lease losses	$180,000	3,637
Total noninterest income	$289,000	4,923
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$104,000	4,981
Trading account gains and fees	$0	157
Additional Noninterest Income	$185,000	4,363
Total noninterest expense	$2,796,000	4,246
Salaries and employee benefits	$1,588,000	4,010
Premises and equipment expense	$286,000	4,466
Additional noninterest expense	$922,000	4,315
Pre-tax net operating income	$2,116,000	2,248
Securities gains (losses)	$22,000	2,837
Applicable income taxes	$575,000	1,787
Income before extraordinary items	$1,563,000	2,567
Extraordinary gains, net	$0	20
Net income	$1,563,000	2,567
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,563,000	2,568
Net charge-offs	$50,000	4,507
Cash dividends	$306,000	2,533
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,546,940	2,455
2012-06-30 (YTD Data)		Rank
Total interest income	$3,755,000	3,361
Total interest expense	$596,000	3,417
Net interest income	$3,159,000	3,294
Provision for loan and lease losses	$120,000	3,606
Total noninterest income	$196,000	4,895
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$66,000	5,076
Trading account gains and fees	$0	153
Additional Noninterest Income	$130,000	4,289
Total noninterest expense	$1,864,000	4,258
Salaries and employee benefits	$1,049,000	4,055
Premises and equipment expense	$191,000	4,479
Additional noninterest expense	$624,000	4,293
Pre-tax net operating income	$1,371,000	2,290
Securities gains (losses)	$18,000	2,529
Applicable income taxes	$351,000	1,875
Income before extraordinary items	$1,038,000	2,558
Extraordinary gains, net	$0	19
Net income	$1,038,000	2,558
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,038,000	2,558
Net charge-offs	$51,000	4,016
Cash dividends	$306,000	2,117
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,024,500	2,443
2012-03-31 (YTD Data)		Rank
Total interest income	$1,856,000	3,411
Total interest expense	$312,000	3,437
Net interest income	$1,544,000	3,379
Provision for loan and lease losses	$60,000	3,447
Total noninterest income	$95,000	5,010
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$29,000	5,280
Trading account gains and fees	$0	148
Additional Noninterest Income	$66,000	4,315
Total noninterest expense	$937,000	4,266
Salaries and employee benefits	$518,000	4,111
Premises and equipment expense	$89,000	4,667
Additional noninterest expense	$330,000	4,145
Pre-tax net operating income	$642,000	2,408
Securities gains (losses)	$0	2,210
Applicable income taxes	$128,000	2,196
Income before extraordinary items	$514,000	2,539
Extraordinary gains, net	$0	19
Net income	$514,000	2,541
Minority interest net income	$0	78
Net income of bank and minority interests.	$514,000	2,542
Net charge-offs	$49,000	3,033
Cash dividends	$306,000	1,248
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$514,000	2,424
2011-12-31 (YTD Data)		Rank
Total interest income	$7,431,000	3,529
Total interest expense	$1,486,000	3,472
Net interest income	$5,945,000	3,486
Provision for loan and lease losses	$240,000	4,406
Total noninterest income	$345,000	4,998
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$150,000	4,891
Trading account gains and fees	$0	146
Additional Noninterest Income	$195,000	4,493
Total noninterest expense	$3,577,000	4,437
Salaries and employee benefits	$2,021,000	4,152
Premises and equipment expense	$361,000	4,795
Additional noninterest expense	$1,195,000	4,458
Pre-tax net operating income	$2,473,000	2,153
Securities gains (losses)	$31,000	2,879
Applicable income taxes	$669,000	1,729
Income before extraordinary items	$1,835,000	2,417
Extraordinary gains, net	$0	29
Net income	$1,835,000	2,417
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,835,000	2,418
Net charge-offs	$-4,000	6,925
Cash dividends	$533,000	2,359
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,812,370	2,360
2011-09-30 (YTD Data)		Rank
Total interest income	$5,575,000	3,565
Total interest expense	$1,156,000	3,506
Net interest income	$4,419,000	3,529
Provision for loan and lease losses	$180,000	4,271
Total noninterest income	$255,000	5,082
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$115,000	4,875
Trading account gains and fees	$0	145
Additional Noninterest Income	$140,000	4,627
Total noninterest expense	$2,686,000	4,434
Salaries and employee benefits	$1,502,000	4,176
Premises and equipment expense	$279,000	4,787
Additional noninterest expense	$905,000	4,438
Pre-tax net operating income	$1,808,000	2,257
Securities gains (losses)	$31,000	2,625
Applicable income taxes	$482,000	1,764
Income before extraordinary items	$1,357,000	2,501
Extraordinary gains, net	$0	21
Net income	$1,357,000	2,503
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,357,000	2,503
Net charge-offs	$-1,000	6,695
Cash dividends	$234,000	2,584
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,334,060	2,432
2011-06-30 (YTD Data)		Rank
Total interest income	$3,707,000	3,606
Total interest expense	$786,000	3,553
Net interest income	$2,921,000	3,547
Provision for loan and lease losses	$120,000	4,174
Total noninterest income	$165,000	5,154
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$74,000	4,935
Trading account gains and fees	$0	153
Additional Noninterest Income	$91,000	4,690
Total noninterest expense	$1,827,000	4,416
Salaries and employee benefits	$1,007,000	4,187
Premises and equipment expense	$183,000	4,861
Additional noninterest expense	$637,000	4,362
Pre-tax net operating income	$1,139,000	2,323
Securities gains (losses)	$-3,000	6,961
Applicable income taxes	$276,000	1,889
Income before extraordinary items	$860,000	2,551
Extraordinary gains, net	$0	15
Net income	$860,000	2,551
Minority interest net income	$0	89
Net income of bank and minority interests.	$860,000	2,551
Net charge-offs	$-2,000	6,677
Cash dividends	$234,000	2,170
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$862,280	2,460
2011-03-31 (YTD Data)		Rank
Total interest income	$1,813,000	3,668
Total interest expense	$399,000	3,615
Net interest income	$1,414,000	3,631
Provision for loan and lease losses	$60,000	3,936
Total noninterest income	$75,000	5,379
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$35,000	4,978
Trading account gains and fees	$0	158
Additional Noninterest Income	$40,000	4,994
Total noninterest expense	$929,000	4,399
Salaries and employee benefits	$502,000	4,222
Premises and equipment expense	$91,000	4,936
Additional noninterest expense	$336,000	4,212
Pre-tax net operating income	$500,000	2,558
Securities gains (losses)	$0	1,772
Applicable income taxes	$94,000	2,246
Income before extraordinary items	$406,000	2,629
Extraordinary gains, net	$0	9
Net income	$406,000	2,628
Minority interest net income	$0	86
Net income of bank and minority interests.	$406,000	2,629
Net charge-offs	$-1,000	6,209
Cash dividends	$234,000	1,307
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$406,000	2,575
2010-12-31 (YTD Data)		Rank
Total interest income	$6,911,000	3,939
Total interest expense	$1,818,000	3,799
Net interest income	$5,093,000	3,911
Provision for loan and lease losses	$290,000	4,906
Total noninterest income	$358,000	5,124
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$155,000	4,852
Trading account gains and fees	$0	175
Additional Noninterest Income	$203,000	4,570
Total noninterest expense	$3,409,000	4,668
Salaries and employee benefits	$1,959,000	4,293
Premises and equipment expense	$356,000	5,031
Additional noninterest expense	$1,094,000	4,854
Pre-tax net operating income	$1,752,000	2,474
Securities gains (losses)	$17,000	3,166
Applicable income taxes	$430,000	2,032
Income before extraordinary items	$1,339,000	2,693
Extraordinary gains, net	$0	29
Net income	$1,339,000	2,689
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,339,000	2,694
Net charge-offs	$97,000	5,435
Cash dividends	$256,000	3,052
Sale, conversion, retirement of capital stock, net	$1,479,000	320
Net operating income	$1,326,080	2,616
2010-09-30 (YTD Data)		Rank
Total interest income	$5,154,000	4,032
Total interest expense	$1,394,000	3,886
Net interest income	$3,760,000	4,005
Provision for loan and lease losses	$180,000	5,003
Total noninterest income	$227,000	5,474
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$117,000	4,912
Trading account gains and fees	$0	165
Additional Noninterest Income	$110,000	5,088
Total noninterest expense	$2,540,000	4,699
Salaries and employee benefits	$1,475,000	4,316
Premises and equipment expense	$275,000	5,035
Additional noninterest expense	$790,000	4,955
Pre-tax net operating income	$1,267,000	2,677
Securities gains (losses)	$17,000	2,949
Applicable income taxes	$306,000	2,125
Income before extraordinary items	$978,000	2,934
Extraordinary gains, net	$0	23
Net income	$978,000	2,930
Minority interest net income	$0	110
Net income of bank and minority interests.	$978,000	2,933
Net charge-offs	$89,000	5,024
Cash dividends	$256,000	2,482
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$965,080	2,816
2010-06-30 (YTD Data)		Rank
Total interest income	$3,392,000	4,099
Total interest expense	$936,000	3,975
Net interest income	$2,456,000	4,063
Provision for loan and lease losses	$120,000	4,894
Total noninterest income	$139,000	5,619
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$75,000	4,997
Trading account gains and fees	$0	152
Additional Noninterest Income	$64,000	5,284
Total noninterest expense	$1,664,000	4,745
Salaries and employee benefits	$972,000	4,366
Premises and equipment expense	$181,000	5,091
Additional noninterest expense	$511,000	5,033
Pre-tax net operating income	$811,000	2,771
Securities gains (losses)	$17,000	2,422
Applicable income taxes	$189,000	2,184
Income before extraordinary items	$639,000	2,942
Extraordinary gains, net	$0	19
Net income	$639,000	2,936
Minority interest net income	$0	105
Net income of bank and minority interests.	$639,000	2,941
Net charge-offs	$27,000	5,335
Cash dividends	$256,000	2,073
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$625,910	2,870
2010-03-31 (YTD Data)		Rank
Total interest income	$1,696,000	4,163
Total interest expense	$474,000	4,071
Net interest income	$1,222,000	4,101
Provision for loan and lease losses	$60,000	4,570
Total noninterest income	$62,000	5,824
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$33,000	5,208
Trading account gains and fees	$0	175
Additional Noninterest Income	$29,000	5,481
Total noninterest expense	$816,000	4,856
Salaries and employee benefits	$481,000	4,459
Premises and equipment expense	$91,000	5,158
Additional noninterest expense	$244,000	5,183
Pre-tax net operating income	$408,000	2,802
Securities gains (losses)	$0	2,284
Applicable income taxes	$86,000	2,262
Income before extraordinary items	$322,000	3,005
Extraordinary gains, net	$0	16
Net income	$322,000	3,001
Minority interest net income	$0	91
Net income of bank and minority interests.	$322,000	3,005
Net charge-offs	$-1,000	6,806
Cash dividends	$256,000	1,189
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$322,000	2,896
2009-12-31 (YTD Data)		Rank
Total interest income	$6,784,000	4,266
Total interest expense	$2,070,000	4,342
Net interest income	$4,714,000	4,092
Provision for loan and lease losses	$265,000	5,454
Total noninterest income	$341,000	5,406
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$153,000	5,126
Trading account gains and fees	$0	211
Additional Noninterest Income	$188,000	4,730
Total noninterest expense	$3,258,000	4,939
Salaries and employee benefits	$1,852,000	4,600
Premises and equipment expense	$354,000	5,301
Additional noninterest expense	$1,052,000	5,112
Pre-tax net operating income	$1,532,000	2,323
Securities gains (losses)	$26,000	2,943
Applicable income taxes	$348,000	1,892
Income before extraordinary items	$1,210,000	2,470
Extraordinary gains, net	$0	34
Net income	$1,210,000	2,468
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,210,000	2,469
Net charge-offs	$115,000	5,568
Cash dividends	$640,000	2,229
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,189,720	2,444
2009-09-30 (YTD Data)		Rank
Total interest income	$5,047,000	4,335
Total interest expense	$1,572,000	4,457
Net interest income	$3,475,000	4,144
Provision for loan and lease losses	$180,000	5,277
Total noninterest income	$260,000	5,447
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$114,000	5,168
Trading account gains and fees	$0	212
Additional Noninterest Income	$146,000	4,828
Total noninterest expense	$2,419,000	4,976
Salaries and employee benefits	$1,355,000	4,692
Premises and equipment expense	$261,000	5,374
Additional noninterest expense	$803,000	5,049
Pre-tax net operating income	$1,136,000	2,517
Securities gains (losses)	$26,000	2,633
Applicable income taxes	$258,000	2,075
Income before extraordinary items	$904,000	2,638
Extraordinary gains, net	$0	27
Net income	$904,000	2,634
Minority interest net income	$0	118
Net income of bank and minority interests.	$904,000	2,638
Net charge-offs	$109,000	4,982
Cash dividends	$240,000	2,892
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$883,720	2,644
2009-06-30 (YTD Data)		Rank
Total interest income	$3,352,000	4,390
Total interest expense	$1,071,000	4,531
Net interest income	$2,281,000	4,177
Provision for loan and lease losses	$120,000	5,054
Total noninterest income	$152,000	5,693
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$73,000	5,233
Trading account gains and fees	$0	193
Additional Noninterest Income	$79,000	5,184
Total noninterest expense	$1,604,000	5,044
Salaries and employee benefits	$889,000	4,783
Premises and equipment expense	$172,000	5,451
Additional noninterest expense	$543,000	5,009
Pre-tax net operating income	$709,000	2,737
Securities gains (losses)	$14,000	2,468
Applicable income taxes	$147,000	2,292
Income before extraordinary items	$576,000	2,839
Extraordinary gains, net	$0	21
Net income	$576,000	2,837
Minority interest net income	$0	112
Net income of bank and minority interests.	$576,000	2,839
Net charge-offs	$105,000	4,192
Cash dividends	$240,000	2,484
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$564,800	2,760
2009-03-31 (YTD Data)		Rank
Total interest income	$1,690,000	4,404
Total interest expense	$550,000	4,576
Net interest income	$1,140,000	4,167
Provision for loan and lease losses	$60,000	4,614
Total noninterest income	$70,000	5,827
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$31,000	5,453
Trading account gains and fees	$0	171
Additional Noninterest Income	$39,000	5,236
Total noninterest expense	$802,000	4,945
Salaries and employee benefits	$441,000	4,860
Premises and equipment expense	$86,000	5,495
Additional noninterest expense	$275,000	4,676
Pre-tax net operating income	$348,000	3,083
Securities gains (losses)	$15,000	1,797
Applicable income taxes	$64,000	2,663
Income before extraordinary items	$299,000	3,146
Extraordinary gains, net	$0	15
Net income	$299,000	3,146
Minority interest net income	$0	102
Net income of bank and minority interests.	$299,000	3,146
Net charge-offs	$20,000	4,311
Cash dividends	$240,000	1,568
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$286,700	3,062
2008-12-31 (YTD Data)		Rank
Total interest income	$6,832,000	4,554
Total interest expense	$2,836,000	4,405
Net interest income	$3,996,000	4,578
Provision for loan and lease losses	$270,000	4,804
Total noninterest income	$296,000	5,841
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$148,000	5,350
Trading account gains and fees	$0	154
Additional Noninterest Income	$148,000	5,337
Total noninterest expense	$2,803,000	5,333
Salaries and employee benefits	$1,662,000	5,020
Premises and equipment expense	$336,000	5,523
Additional noninterest expense	$805,000	5,455
Pre-tax net operating income	$1,219,000	3,390
Securities gains (losses)	$51,000	1,583
Applicable income taxes	$310,000	2,356
Income before extraordinary items	$960,000	3,360
Extraordinary gains, net	$0	39
Net income	$960,000	3,360
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,000	4,773
Cash dividends	$249,000	4,310
Sale, conversion, retirement of capital stock, net	$1,016,000	425
Net operating income	$921,240	3,584
2008-09-30 (YTD Data)		Rank
Total interest income	$5,132,000	4,628
Total interest expense	$2,221,000	4,420
Net interest income	$2,911,000	4,702
Provision for loan and lease losses	$75,000	5,494
Total noninterest income	$230,000	5,860
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$112,000	5,359
Trading account gains and fees	$0	148
Additional Noninterest Income	$118,000	5,326
Total noninterest expense	$2,073,000	5,355
Salaries and employee benefits	$1,218,000	5,112
Premises and equipment expense	$253,000	5,547
Additional noninterest expense	$602,000	5,417
Pre-tax net operating income	$993,000	3,691
Securities gains (losses)	$0	3,106
Applicable income taxes	$257,000	2,632
Income before extraordinary items	$736,000	3,725
Extraordinary gains, net	$0	31
Net income	$736,000	3,724
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,679
Cash dividends	$249,000	3,657
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$736,000	3,864
2008-06-30 (YTD Data)		Rank
Total interest income	$3,464,000	4,656
Total interest expense	$1,566,000	4,396
Net interest income	$1,898,000	4,787
Provision for loan and lease losses	$45,000	5,277
Total noninterest income	$174,000	5,720
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$73,000	5,418
Trading account gains and fees	$0	149
Additional Noninterest Income	$101,000	5,037
Total noninterest expense	$1,390,000	5,368
Salaries and employee benefits	$812,000	5,161
Premises and equipment expense	$167,000	5,612
Additional noninterest expense	$411,000	5,337
Pre-tax net operating income	$637,000	3,886
Securities gains (losses)	$0	3,233
Applicable income taxes	$164,000	2,914
Income before extraordinary items	$473,000	4,127
Extraordinary gains, net	$0	21
Net income	$473,000	4,128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,297
Cash dividends	$249,000	3,210
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$473,000	4,067
2008-03-31 (YTD Data)		Rank
Total interest income	$1,783,000	4,665
Total interest expense	$826,000	4,422
Net interest income	$957,000	4,765
Provision for loan and lease losses	$30,000	4,346
Total noninterest income	$65,000	6,240
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$35,000	5,454
Trading account gains and fees	$0	158
Additional Noninterest Income	$30,000	5,904
Total noninterest expense	$701,000	5,364
Salaries and employee benefits	$396,000	5,268
Premises and equipment expense	$84,000	5,611
Additional noninterest expense	$221,000	5,061
Pre-tax net operating income	$291,000	4,221
Securities gains (losses)	$0	2,688
Applicable income taxes	$72,000	3,180
Income before extraordinary items	$219,000	4,485
Extraordinary gains, net	$0	15
Net income	$219,000	4,487
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,920
Cash dividends	$245,000	2,124
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$219,000	4,380
2007-12-31 (YTD Data)		Rank
Total interest income	$6,308,000	5,052
Total interest expense	$3,169,000	4,633
Net interest income	$3,139,000	5,380
Provision for loan and lease losses	$75,000	5,254
Total noninterest income	$227,000	6,552
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$148,000	5,446
Trading account gains and fees	$0	178
Additional Noninterest Income	$79,000	6,539
Total noninterest expense	$2,433,000	5,685
Salaries and employee benefits	$1,432,000	5,450
Premises and equipment expense	$312,000	5,686
Additional noninterest expense	$689,000	5,781
Pre-tax net operating income	$858,000	5,052
Securities gains (losses)	$0	2,146
Applicable income taxes	$228,000	3,709
Income before extraordinary items	$630,000	5,248
Extraordinary gains, net	$0	39
Net income	$630,000	5,250
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,600
Cash dividends	$245,000	4,690
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$630,000	5,236
2007-09-30 (YTD Data)		Rank
Total interest income	$4,556,000	5,204
Total interest expense	$2,256,000	4,798
Net interest income	$2,300,000	5,473
Provision for loan and lease losses	$60,000	4,834
Total noninterest income	$173,000	6,567
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$113,000	5,433
Trading account gains and fees	$0	184
Additional Noninterest Income	$60,000	6,545
Total noninterest expense	$1,796,000	5,705
Salaries and employee benefits	$1,050,000	5,493
Premises and equipment expense	$238,000	5,633
Additional noninterest expense	$508,000	5,771
Pre-tax net operating income	$617,000	5,391
Securities gains (losses)	$0	1,655
Applicable income taxes	$165,000	3,944
Income before extraordinary items	$452,000	5,572
Extraordinary gains, net	$0	33
Net income	$452,000	5,570
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,809
Cash dividends	$245,000	3,891
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$452,000	5,559
2007-06-30 (YTD Data)		Rank
Total interest income	$2,867,000	5,403
Total interest expense	$1,370,000	5,050
Net interest income	$1,497,000	5,560
Provision for loan and lease losses	$30,000	4,873
Total noninterest income	$114,000	6,611
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$74,000	5,482
Trading account gains and fees	$0	168
Additional Noninterest Income	$40,000	6,612
Total noninterest expense	$1,167,000	5,811
Salaries and employee benefits	$687,000	5,612
Premises and equipment expense	$155,000	5,723
Additional noninterest expense	$325,000	5,894
Pre-tax net operating income	$414,000	5,439
Securities gains (losses)	$0	1,444
Applicable income taxes	$110,000	4,019
Income before extraordinary items	$304,000	5,626
Extraordinary gains, net	$0	29
Net income	$304,000	5,625
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,139
Cash dividends	$245,000	3,400
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$304,000	5,603
2007-03-31 (YTD Data)		Rank
Total interest income	$1,355,000	5,554
Total interest expense	$643,000	5,190
Net interest income	$712,000	5,718
Provision for loan and lease losses	$15,000	4,592
Total noninterest income	$58,000	6,588
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$35,000	5,544
Trading account gains and fees	$0	195
Additional Noninterest Income	$23,000	6,395
Total noninterest expense	$598,000	5,761
Salaries and employee benefits	$341,000	5,673
Premises and equipment expense	$75,000	5,852
Additional noninterest expense	$182,000	5,562
Pre-tax net operating income	$157,000	5,984
Securities gains (losses)	$0	1,187
Applicable income taxes	$30,000	4,619
Income before extraordinary items	$127,000	5,974
Extraordinary gains, net	$0	22
Net income	$127,000	5,973
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	3,890
Cash dividends	$245,000	2,217
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$127,000	5,959
2006-12-31 (YTD Data)		Rank
Total interest income	$4,365,000	5,905
Total interest expense	$1,810,000	5,678
Net interest income	$2,555,000	5,965
Provision for loan and lease losses	$120,000	4,374
Total noninterest income	$163,000	7,205
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$134,000	5,719
Trading account gains and fees	$0	130
Additional Noninterest Income	$29,000	7,722
Total noninterest expense	$1,978,000	6,197
Salaries and employee benefits	$1,212,000	5,878
Premises and equipment expense	$221,000	6,502
Additional noninterest expense	$545,000	6,331
Pre-tax net operating income	$620,000	6,129
Securities gains (losses)	$0	1,687
Applicable income taxes	$175,000	4,445
Income before extraordinary items	$445,000	6,343
Extraordinary gains, net	$0	51
Net income	$445,000	6,345
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,486
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$445,000	6,343
2006-09-30 (YTD Data)		Rank
Total interest income	$3,092,000	6,054
Total interest expense	$1,237,000	5,846
Net interest income	$1,855,000	6,118
Provision for loan and lease losses	$90,000	4,225
Total noninterest income	$121,000	7,277
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$97,000	5,844
Trading account gains and fees	$0	126
Additional Noninterest Income	$24,000	7,706
Total noninterest expense	$1,418,000	6,315
Salaries and employee benefits	$856,000	6,040
Premises and equipment expense	$171,000	6,459
Additional noninterest expense	$391,000	6,451
Pre-tax net operating income	$468,000	6,360
Securities gains (losses)	$0	1,388
Applicable income taxes	$128,000	4,673
Income before extraordinary items	$340,000	6,502
Extraordinary gains, net	$0	45
Net income	$340,000	6,503
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$340,000	6,509
2006-06-30 (YTD Data)		Rank
Total interest income	$1,950,000	6,182
Total interest expense	$750,000	5,974
Net interest income	$1,200,000	6,223
Provision for loan and lease losses	$60,000	4,062
Total noninterest income	$81,000	7,313
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$66,000	5,810
Trading account gains and fees	$0	126
Additional Noninterest Income	$15,000	7,801
Total noninterest expense	$940,000	6,347
Salaries and employee benefits	$566,000	6,077
Premises and equipment expense	$119,000	6,367
Additional noninterest expense	$255,000	6,520
Pre-tax net operating income	$281,000	6,581
Securities gains (losses)	$0	1,185
Applicable income taxes	$64,000	5,006
Income before extraordinary items	$217,000	6,617
Extraordinary gains, net	$0	39
Net income	$217,000	6,618
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$217,000	6,611
2006-03-31 (YTD Data)		Rank
Total interest income	$917,000	6,306
Total interest expense	$345,000	6,069
Net interest income	$572,000	6,353
Provision for loan and lease losses	$30,000	3,822
Total noninterest income	$44,000	7,159
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$34,000	5,706
Trading account gains and fees	$0	115
Additional Noninterest Income	$10,000	7,545
Total noninterest expense	$456,000	6,435
Salaries and employee benefits	$282,000	6,121
Premises and equipment expense	$59,000	6,404
Additional noninterest expense	$115,000	6,747
Pre-tax net operating income	$130,000	6,676
Securities gains (losses)	$0	955
Applicable income taxes	$21,000	5,307
Income before extraordinary items	$109,000	6,582
Extraordinary gains, net	$0	21
Net income	$109,000	6,582
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$109,000	6,578
2005-12-31 (YTD Data)		Rank
Total interest income	$2,528,000	6,988
Total interest expense	$746,000	6,915
Net interest income	$1,782,000	6,917
Provision for loan and lease losses	$180,000	3,751
Total noninterest income	$88,000	8,055
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$128,000	5,896
Trading account gains and fees	$0	138
Additional Noninterest Income	$-40,000	8,818
Total noninterest expense	$1,773,000	6,432
Salaries and employee benefits	$1,022,000	6,290
Premises and equipment expense	$244,000	6,277
Additional noninterest expense	$507,000	6,530
Pre-tax net operating income	$-83,000	8,326
Securities gains (losses)	$10,000	1,476
Applicable income taxes	$-32,000	8,527
Income before extraordinary items	$-41,000	8,326
Extraordinary gains, net	$0	46
Net income	$-41,000	8,326
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	5,564
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$745,000	509
Net operating income	$-47,400	8,306
2005-09-30 (YTD Data)		Rank
Total interest income	$1,757,000	7,155
Total interest expense	$487,000	7,130
Net interest income	$1,270,000	7,072
Provision for loan and lease losses	$120,000	3,874
Total noninterest income	$108,000	7,578
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$93,000	5,984
Trading account gains and fees	$0	126
Additional Noninterest Income	$15,000	8,169
Total noninterest expense	$1,331,000	6,445
Salaries and employee benefits	$761,000	6,308
Premises and equipment expense	$191,000	6,149
Additional noninterest expense	$379,000	6,518
Pre-tax net operating income	$-73,000	8,410
Securities gains (losses)	$10,000	1,474
Applicable income taxes	$-28,000	8,652
Income before extraordinary items	$-35,000	8,390
Extraordinary gains, net	$0	35
Net income	$-35,000	8,391
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,516
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$745,000	370
Net operating income	$-41,400	8,374
2005-06-30 (YTD Data)		Rank
Total interest income	$1,097,000	7,254
Total interest expense	$280,000	7,316
Net interest income	$817,000	7,145
Provision for loan and lease losses	$60,000	4,115
Total noninterest income	$71,000	7,596
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$60,000	6,007
Trading account gains and fees	$0	116
Additional Noninterest Income	$11,000	8,096
Total noninterest expense	$905,000	6,383
Salaries and employee benefits	$504,000	6,316
Premises and equipment expense	$131,000	6,080
Additional noninterest expense	$270,000	6,311
Pre-tax net operating income	$-77,000	8,459
Securities gains (losses)	$10,000	1,355
Applicable income taxes	$-26,000	8,674
Income before extraordinary items	$-41,000	8,455
Extraordinary gains, net	$0	30
Net income	$-41,000	8,455
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,447
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$745,000	259
Net operating income	$-47,400	8,431
2005-03-31 (YTD Data)		Rank
Total interest income	$508,000	7,454
Total interest expense	$125,000	7,496
Net interest income	$383,000	7,350
Provision for loan and lease losses	$0	6,226
Total noninterest income	$33,000	7,681
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$27,000	6,147
Trading account gains and fees	$0	115
Additional Noninterest Income	$6,000	8,110
Total noninterest expense	$460,000	6,369
Salaries and employee benefits	$246,000	6,433
Premises and equipment expense	$64,000	6,186
Additional noninterest expense	$150,000	6,007
Pre-tax net operating income	$-44,000	8,564
Securities gains (losses)	$0	1,685
Applicable income taxes	$-10,000	8,703
Income before extraordinary items	$-34,000	8,560
Extraordinary gains, net	$0	24
Net income	$-34,000	8,560
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,435
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$745,000	138
Net operating income	$-34,000	8,534
2004-12-31 (YTD Data)		Rank
Total interest income	$1,578,000	7,803
Total interest expense	$368,000	7,812
Net interest income	$1,210,000	7,728
Provision for loan and lease losses	$30,000	6,416
Total noninterest income	$138,000	7,720
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$134,000	5,995
Trading account gains and fees	$0	138
Additional Noninterest Income	$4,000	8,722
Total noninterest expense	$1,144,000	7,539
Salaries and employee benefits	$655,000	7,456
Premises and equipment expense	$145,000	7,385
Additional noninterest expense	$344,000	7,443
Pre-tax net operating income	$174,000	7,864
Securities gains (losses)	$17,000	2,506
Applicable income taxes	$38,000	6,208
Income before extraordinary items	$153,000	7,863
Extraordinary gains, net	$0	34
Net income	$153,000	7,862
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	5,501
Cash dividends	$137,000	5,252
Sale, conversion, retirement of capital stock, net	$4,322,000	245
Net operating income	$139,400	7,881
2004-09-30 (YTD Data)		Rank
Total interest income	$1,167,000	7,854
Total interest expense	$267,000	7,888
Net interest income	$900,000	7,778
Provision for loan and lease losses	$30,000	5,981
Total noninterest income	$102,000	7,777
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$99,000	6,071
Trading account gains and fees	$0	134
Additional Noninterest Income	$3,000	8,783
Total noninterest expense	$778,000	7,711
Salaries and employee benefits	$424,000	7,740
Premises and equipment expense	$96,000	7,602
Additional noninterest expense	$258,000	7,432
Pre-tax net operating income	$194,000	7,725
Securities gains (losses)	$3,000	3,253
Applicable income taxes	$52,000	5,934
Income before extraordinary items	$145,000	7,807
Extraordinary gains, net	$0	26
Net income	$145,000	7,810
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	4,599
Cash dividends	$75,000	4,794
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$142,780	7,783
2004-06-30 (YTD Data)		Rank
Total interest income	$778,000	7,904
Total interest expense	$178,000	7,956
Net interest income	$600,000	7,819
Provision for loan and lease losses	$0	6,885
Total noninterest income	$64,000	7,891
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$61,000	6,212
Trading account gains and fees	$0	130
Additional Noninterest Income	$3,000	8,756
Total noninterest expense	$529,000	7,712
Salaries and employee benefits	$282,000	7,805
Premises and equipment expense	$61,000	7,711
Additional noninterest expense	$186,000	7,303
Pre-tax net operating income	$135,000	7,659
Securities gains (losses)	$2,000	3,048
Applicable income taxes	$33,000	5,966
Income before extraordinary items	$104,000	7,736
Extraordinary gains, net	$0	21
Net income	$104,000	7,738
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,680
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$102,480	7,684
2004-03-31 (YTD Data)		Rank
Total interest income	$383,000	7,976
Total interest expense	$92,000	7,971
Net interest income	$291,000	7,899
Provision for loan and lease losses	$0	6,501
Total noninterest income	$28,000	8,048
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$28,000	6,308
Trading account gains and fees	$0	121
Additional Noninterest Income	$0	8,950
Total noninterest expense	$276,000	7,667
Salaries and employee benefits	$138,000	7,872
Premises and equipment expense	$24,000	8,053
Additional noninterest expense	$114,000	6,822
Pre-tax net operating income	$43,000	8,009
Securities gains (losses)	$7,000	2,210
Applicable income taxes	$8,000	6,367
Income before extraordinary items	$42,000	7,936
Extraordinary gains, net	$0	16
Net income	$42,000	7,937
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,591
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$36,120	7,984
2003-12-31 (YTD Data)		Rank
Total interest income	$1,574,000	7,997
Total interest expense	$432,000	8,007
Net interest income	$1,142,000	7,898
Provision for loan and lease losses	$5,000	7,519
Total noninterest income	$132,000	7,984
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$129,000	6,157
Trading account gains and fees	$0	160
Additional Noninterest Income	$3,000	8,956
Total noninterest expense	$997,000	7,887
Salaries and employee benefits	$565,000	7,843
Premises and equipment expense	$117,000	7,844
Additional noninterest expense	$315,000	7,663
Pre-tax net operating income	$272,000	7,544
Securities gains (losses)	$37,000	2,758
Applicable income taxes	$70,000	6,038
Income before extraordinary items	$239,000	7,576
Extraordinary gains, net	$0	54
Net income	$239,000	7,580
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	5,943
Cash dividends	$160,000	5,143
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$210,510	7,581
2003-09-30 (YTD Data)		Rank
Total interest income	$1,200,000	8,067
Total interest expense	$339,000	8,070
Net interest income	$861,000	7,954
Provision for loan and lease losses	$5,000	7,333
Total noninterest income	$104,000	7,971
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$101,000	6,107
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,000	9,005
Total noninterest expense	$722,000	7,957
Salaries and employee benefits	$402,000	7,922
Premises and equipment expense	$80,000	7,996
Additional noninterest expense	$240,000	7,654
Pre-tax net operating income	$238,000	7,508
Securities gains (losses)	$3,000	3,777
Applicable income taxes	$66,000	5,975
Income before extraordinary items	$175,000	7,750
Extraordinary gains, net	$0	40
Net income	$175,000	7,751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	5,282
Cash dividends	$80,000	4,885
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$172,810	7,625
2003-06-30 (YTD Data)		Rank
Total interest income	$812,000	8,097
Total interest expense	$239,000	8,080
Net interest income	$573,000	7,984
Provision for loan and lease losses	$5,000	7,119
Total noninterest income	$71,000	7,950
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$68,000	6,077
Trading account gains and fees	$0	150
Additional Noninterest Income	$3,000	8,960
Total noninterest expense	$479,000	7,980
Salaries and employee benefits	$265,000	7,966
Premises and equipment expense	$52,000	8,045
Additional noninterest expense	$162,000	7,614
Pre-tax net operating income	$160,000	7,528
Securities gains (losses)	$3,000	3,367
Applicable income taxes	$50,000	5,908
Income before extraordinary items	$113,000	7,816
Extraordinary gains, net	$0	30
Net income	$113,000	7,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	4,485
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$110,930	7,674
2003-03-31 (YTD Data)		Rank
Total interest income	$420,000	8,088
Total interest expense	$127,000	8,085
Net interest income	$293,000	7,972
Provision for loan and lease losses	$0	6,934
Total noninterest income	$36,000	7,906
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$33,000	6,078
Trading account gains and fees	$0	134
Additional Noninterest Income	$3,000	8,754
Total noninterest expense	$253,000	7,901
Salaries and employee benefits	$138,000	7,922
Premises and equipment expense	$25,000	8,112
Additional noninterest expense	$90,000	7,412
Pre-tax net operating income	$76,000	7,593
Securities gains (losses)	$0	2,891
Applicable income taxes	$23,000	5,966
Income before extraordinary items	$53,000	7,823
Extraordinary gains, net	$0	21
Net income	$53,000	7,823
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	8,385
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$53,000	7,678
2002-12-31 (YTD Data)		Rank
Total interest income	$1,789,000	8,086
Total interest expense	$648,000	7,960
Net interest income	$1,141,000	8,044
Provision for loan and lease losses	$72,000	6,236
Total noninterest income	$146,000	7,879
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$136,000	6,022
Trading account gains and fees	$0	153
Additional Noninterest Income	$10,000	8,905
Total noninterest expense	$992,000	7,952
Salaries and employee benefits	$573,000	7,830
Premises and equipment expense	$127,000	7,789
Additional noninterest expense	$292,000	7,864
Pre-tax net operating income	$223,000	7,849
Securities gains (losses)	$30,000	2,835
Applicable income taxes	$55,000	6,468
Income before extraordinary items	$198,000	7,848
Extraordinary gains, net	$0	70
Net income	$198,000	7,849
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,433
Cash dividends	$125,000	5,366
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$174,600	7,857
2001-12-31 (YTD Data)		Rank
Total interest income	$1,900,000	8,320
Total interest expense	$934,000	8,150
Net interest income	$966,000	8,361
Provision for loan and lease losses	$32,000	7,179
Total noninterest income	$138,000	7,999
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$119,000	6,263
Trading account gains and fees	$0	177
Additional Noninterest Income	$19,000	8,776
Total noninterest expense	$972,000	8,030
Salaries and employee benefits	$538,000	7,988
Premises and equipment expense	$111,000	8,127
Additional noninterest expense	$323,000	7,685
Pre-tax net operating income	$100,000	8,329
Securities gains (losses)	$0	4,612
Applicable income taxes	$4,000	7,767
Income before extraordinary items	$96,000	8,359
Extraordinary gains, net	$0	105
Net income	$96,000	8,357
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,555
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$96,000	8,255
2000-12-31 (YTD Data)		Rank
Total interest income	$1,541,000	8,901
Total interest expense	$742,000	8,770
Net interest income	$799,000	8,903
Provision for loan and lease losses	$0	8,337
Total noninterest income	$98,000	8,618
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$91,000	6,741
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	9,569
Total noninterest expense	$577,000	9,169
Salaries and employee benefits	$323,000	9,151
Premises and equipment expense	$63,000	9,117
Additional noninterest expense	$191,000	8,868
Pre-tax net operating income	$320,000	7,818
Securities gains (losses)	$-2,000	7,578
Applicable income taxes	$80,000	6,791
Income before extraordinary items	$238,000	7,855
Extraordinary gains, net	$0	38
Net income	$238,000	7,855
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,551
Cash dividends	$170,000	5,352
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$239,500	7,848
1999-12-31 (YTD Data)		Rank
Total interest income	$1,440,000	9,149
Total interest expense	$661,000	9,042
Net interest income	$779,000	9,106
Provision for loan and lease losses	$15,000	7,855
Total noninterest income	$93,000	8,937
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	7,125
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	9,578
Total noninterest expense	$550,000	9,463
Salaries and employee benefits	$321,000	9,349
Premises and equipment expense	$54,000	9,557
Additional noninterest expense	$175,000	9,281
Pre-tax net operating income	$307,000	8,055
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$71,000	7,326
Income before extraordinary items	$237,000	8,026
Extraordinary gains, net	$0	35
Net income	$237,000	8,025
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	6,573
Cash dividends	$200,000	5,191
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$236,230	8,010
1998-12-31 (YTD Data)		Rank
Total interest income	$1,397,000	9,421
Total interest expense	$643,000	9,359
Net interest income	$754,000	9,368
Provision for loan and lease losses	$0	8,652
Total noninterest income	$128,000	8,572
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$92,000	7,021
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	8,704
Total noninterest expense	$550,000	9,611
Salaries and employee benefits	$325,000	9,464
Premises and equipment expense	$46,000	9,908
Additional noninterest expense	$179,000	9,353
Pre-tax net operating income	$332,000	8,216
Securities gains (losses)	$0	4,449
Applicable income taxes	$84,000	7,768
Income before extraordinary items	$248,000	8,260
Extraordinary gains, net	$0	32
Net income	$248,000	8,259
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	5,812
Cash dividends	$200,000	5,324
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$248,000	8,187
1997-12-31 (YTD Data)		Rank
Total interest income	$1,410,000	9,795
Total interest expense	$638,000	9,720
Net interest income	$772,000	9,743
Provision for loan and lease losses	$-25,000	10,653
Total noninterest income	$98,000	9,463
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$86,000	7,514
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	10,305
Total noninterest expense	$543,000	9,965
Salaries and employee benefits	$326,000	9,772
Premises and equipment expense	$48,000	10,248
Additional noninterest expense	$169,000	9,788
Pre-tax net operating income	$352,000	8,726
Securities gains (losses)	$0	3,944
Applicable income taxes	$88,000	8,602
Income before extraordinary items	$264,000	8,642
Extraordinary gains, net	$0	44
Net income	$264,000	8,645
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,408
Cash dividends	$205,000	5,315
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$264,000	8,609
1996-12-31 (YTD Data)		Rank
Total interest income	$1,413,000	10,234
Total interest expense	$616,000	10,232
Net interest income	$797,000	10,123
Provision for loan and lease losses	$-50,000	11,188
Total noninterest income	$99,000	9,912
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	8,049
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	10,346
Total noninterest expense	$527,000	10,475
Salaries and employee benefits	$312,000	10,259
Premises and equipment expense	$50,000	10,636
Additional noninterest expense	$165,000	10,368
Pre-tax net operating income	$419,000	8,401
Securities gains (losses)	$-3,000	9,684
Applicable income taxes	$124,000	8,333
Income before extraordinary items	$292,000	8,495
Extraordinary gains, net	$0	53
Net income	$292,000	8,492
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,914
Cash dividends	$235,000	5,116
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$294,100	8,416
1995-12-31 (YTD Data)		Rank
Total interest income	$1,339,000	10,776
Total interest expense	$551,000	10,853
Net interest income	$788,000	10,564
Provision for loan and lease losses	$0	8,958
Total noninterest income	$96,000	10,362
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$82,000	8,261
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	11,268
Total noninterest expense	$530,000	10,886
Salaries and employee benefits	$308,000	10,676
Premises and equipment expense	$45,000	11,233
Additional noninterest expense	$177,000	10,728
Pre-tax net operating income	$354,000	9,361
Securities gains (losses)	$-3,000	9,402
Applicable income taxes	$83,000	9,520
Income before extraordinary items	$268,000	9,245
Extraordinary gains, net	$0	65
Net income	$268,000	9,250
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-33,000	11,271
Cash dividends	$175,000	5,792
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$270,280	9,198
1994-12-31 (YTD Data)		Rank
Total interest income	$1,152,000	11,438
Total interest expense	$467,000	11,243
Net interest income	$685,000	11,428
Provision for loan and lease losses	$0	9,146
Total noninterest income	$107,000	10,582
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	8,368
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	11,641
Total noninterest expense	$554,000	11,334
Salaries and employee benefits	$311,000	11,105
Premises and equipment expense	$47,000	11,731
Additional noninterest expense	$196,000	11,198
Pre-tax net operating income	$238,000	10,592
Securities gains (losses)	$-10,000	9,836
Applicable income taxes	$44,000	10,609
Income before extraordinary items	$184,000	10,450
Extraordinary gains, net	$0	249
Net income	$184,000	10,456
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-46,000	11,837
Cash dividends	$150,000	6,052
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$192,100	10,418
1993-12-31 (YTD Data)		Rank
Total interest income	$1,199,000	11,888
Total interest expense	$464,000	11,864
Net interest income	$735,000	11,740
Provision for loan and lease losses	$14,000	9,467
Total noninterest income	$104,000	11,221
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$85,000	8,849
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	12,117
Total noninterest expense	$529,000	12,007
Salaries and employee benefits	$302,000	11,628
Premises and equipment expense	$44,000	12,403
Additional noninterest expense	$183,000	11,973
Pre-tax net operating income	$296,000	10,272
Securities gains (losses)	$0	7,477
Applicable income taxes	$43,000	11,097
Income before extraordinary items	$253,000	10,004
Extraordinary gains, net	$0	3,149
Net income	$253,000	10,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	11,387
Cash dividends	$200,000	5,372
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$253,000	9,755
1992-12-31 (YTD Data)		Rank
Total interest income	$1,281,000	12,441
Total interest expense	$566,000	12,457
Net interest income	$715,000	12,261
Provision for loan and lease losses	$47,000	9,237
Total noninterest income	$97,000	11,805
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	9,331
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	12,470
Total noninterest expense	$511,000	12,578
Salaries and employee benefits	$284,000	12,196
Premises and equipment expense	$51,000	12,648
Additional noninterest expense	$176,000	12,586
Pre-tax net operating income	$254,000	10,568
Securities gains (losses)	$7,000	6,774
Applicable income taxes	$46,000	11,363
Income before extraordinary items	$215,000	10,395
Extraordinary gains, net	$0	1,422
Net income	$215,000	10,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	6,549
Cash dividends	$150,000	5,711
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$209,260	10,127

* 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.